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Premium Choice car insurance review

Our analysis of the car insurance on offer through Premium Choice will help you decide if it’s right for you.

Premium Choice promises to source good quality, affordable car insurance backed by great customer service. It says it can cater to a wide range of cars and drivers, including those in higher-risk groups.

Who is Premium Choice?

Premium Choice is a broker that was established in 1999 and has sold over 1 million car, van and motorbike insurance policies.

It caters to a range of drivers, including learner and young drivers, convicted drivers and drivers in the armed forces. It can also arrange insurance for drivers of specialist vehicles such as classic, modified, imported and high-performance cars, amongst others.

What are Premium Choice’s levels of cover?

Premium Choice’s Third Party cover

Third party cover is the minimum level of cover that is offered by Premium Choice. To be on UK roads, all drivers 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. You won’t be protected for any damage to your own car. And don’t assume this is the cheapest option because it offers the least protection. Sometimes, this cover may work out more expensive than comprehensive. Check each cover level to see which offers the best value for you.

Premium Choice’s 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.

Premium Choice’s Comprehensive cover

This is the greatest level of cover on offer and will provide 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 cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.


What types of car insurance are available?

  • Provisional driver insurance. Car cover with a choice of excess and wide range of optional extras to provide learner drivers with greater protection.
  • Young driver car insurance. Tailor-made car cover that won’t insist inexperienced drivers have a black box fitted to monitor their driving and braking habits.
  • Convicted drivers car insurance. Competitive car cover for customers with a driving conviction.
  • Armed forces car insurance. For armed forces personnel who have two main addresses.
  • Specialist car insurance. Bespoke car cover for drivers of select classic, modified, imported or high-performance cars.

What is covered under my Premium Choice policy?

The specific benefits to your insurance policy will vary depending on the level of cover you choose and the insurer that is able to provide the cover through Premium Choice.

Check your policy details to ensure you have the right cover.

Optional extras

Premium Choice offers extras that include:

  • UK breakdown cover
  • UK and Europe breakdown cover
  • Legal cover
  • Vehicle replacement
  • Windscreen cover
  • Keycare cover
  • Theft protection
  • Excess reducer

General exclusions

Any cover arranged through Premium Choice is likely to become invalid if any of the following arises:

  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • Your car is used for rallies, races or competitions.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your car insurance policy through Premium Choice

  • Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
  • Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium

What is my excess?

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 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.

Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Premium Choice?

Premium Choice has a claims helpline: 0121 776 5176 which operates all day, every day. You’ll need to have your insurance policy details as well as all facts about the incident to hand.

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.

Frequently asked questions


*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

*51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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