People’s Choice car insurance review
Our analysis of the car insurance on offer through People's Choice will help you decide if it's the right fit for you.
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Are you searching for the right car insurance at a discount price? You’ll find all the usual levels of car cover through People’s Choice. And this broker, which has been given a 5-star Defaqto rating for its car insurance, promises to find you comprehensive cover at a great price. But what exactly does it offer?
People’s Choice is an insurance broker that works with a panel of insurance providers to offer car, van, motorbike and home insurance.
People’s Choice is in the Hastings Insurance Group, along with Hastings Premier, Hastings Direct, Hastings Essential and Insure Pink.
People’s Choice Third Party Cover
Third party cover is the minimum level of cover that is offered by People’s Choice. All drivers in the UK are legally required to have at least this level of car insurance. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. Though it won’t cover any damage to your own car.
People’s Choice Third Party Fire and Theft Cover
You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
People’s Choice Comprehensive Cover
This is the highest level of cover on offer and will give the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.
Cover benefits | Third party | Third party, fire and theft | Comprehensive |
---|---|---|---|
Liability to other people | ✓ | ✓ | ✓ |
90-day European cover to match cover level in UK | ✓ | ✓ | ✓ |
Fire and theft | ✓ | ✓ | |
Accidental damage | ✓ | ||
Courtesy car | ✓ | ||
Medical expenses | ✓ | ||
Personal accident cover | ✓ | ||
Personal belongings cover | ✓ | ||
Windscreen cover | ✓ |
In addition to the standard levels of cover, People’s Choice can also provide a range of additional protection to bolt onto your policy, including:
Any cover arranged through People’s Choice is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
You should call the People’s Choice claims line on 0333 321 9800 to register a claim. This is a 24-hour claim line open seven days a week. You’ll need to provide the following when making a claim:
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
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