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Quote Detective car insurance review

Find out exactly what you get with the car insurance offered through Quote Detective in our review of its policies.

Quote Detective is a specialist car insurance broker that offers cover to high-risk drivers such as young drivers and convicted drivers. It also offers policies to modified cars and high-performance cars as well as multi-vehicle insurance. Through its panel of insurers, the broker claims to be devoted to driving down the price of insurance. Here’s what else we think you should know.

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What is Quote Detective?

Quote Detective is an insurance broker that offers motor insurance. Its car insurance is available to a wide range of high-risk drivers, such as young drivers and convicted drivers, as well as a range of cars including modified and high-performance cars.

What are Quote Detective’s levels of cover?

Third party.
Drivers in the UK are legally required to have at least third party cover, and this is the minimum level of cover that Quote Detective offers. If you’ve caused an accident, you’ll be covered for damage to third-party vehicles or property. But it won’t cover any damage to your own car.
Third party, fire and theft (TPFT).
This will give you the same level of cover as third party but will also offer protection against any fire damage to your car or theft of your car.
Comprehensive.
This is the highest level of cover available. It offers the same protection as the other cover levels, but you’ll also be insured against accidental damage and any vandalism to your car. It can occasionally be cheaper than third party or TPFT, so it’s always worth checking.

What are Quote Detective’s different policies?

  • High-performance car insurance
  • Convicted drivers car insurance
  • Multi-vehicle insurance
  • Modified vehicles car insurance
  • Young drivers car insurance

What is covered under my policy?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people and property
Fire and theft
Accidental damage

Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Quote Detective.

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

Optional extras

Quote Detective can also provide additional protection to bolt onto your policy, including the following:

  • Breakdown cover
  • Key cover
  • Vehicle replacement cover
  • Excess protection

What policy exclusions are there?

Your cover through Quote Detective is likely to become invalid if any of the following arises:

  • You fail to pay your premium.
  • 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.
  • 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 are paid to carry passengers.

The insurer that offers you the policy through Quote Detective may also have its own set of exclusions. Check your policy for further details to confirm your cover is valid at all times.

How do I make a claim?

You should call the Quote Detective claims line on 0208 487 0642.

You’ll need to provide your details and all the facts about the incident. You will also need to provide any photographic evidence you have.

And it’s important 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.

What is my excess?

Your insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess.

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.

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.

Quote Detective pros and cons

Pros

  • Specialist broker for high-risk drivers and non-standard cars
  • Multi-vehicle insurance available

Cons

  • Limited information about car insurance on the Quote Detective website
  • Claims line is not open 24/7
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*51% of consumers could save £200. To get this figure, aggregator Seopa selected quotes from popular providers and others, weighting according to market share, and compared the cheapest with the cheapest on its system. Your savings will depend on your own circumstances.
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