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Sure Thing! car insurance review

Read this guide for the lowdown on the car insurance offered through Sure Thing! as well as a breakdown of its cover.

Sure Thing! offers several types of car insurance including standard cover and dash cam cover. The broker claims that all the comprehensive policies it arranges are offered with a courtesy car, complete glass cover and personal accident among other benefits cover as standard.

Sure Thing! also claims to offer cover to a wide range of drivers and cars including drivers with points on their licence as well as high-performance sports cars. Check out our analysis to make your own mind up about what’s on offer from Sure Thing!.

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What is Sure Thing!?

Sure Thing! began in 2014 and offers car and van insurance through its panel of insurers. Sure Thing! is a trading name of Sure Thing Insurance Services Ltd, an appointed representative of Ambant Ltd, which is authorised and regulated by the Financial Conduct Authority.

What are the levels of cover offered by Sure Thing!?

Third party cover is the most basic form of car insurance legally accepted on UK roads; however, this is not offered through Sure Thing!

Sure Thing! does offer two levels of cover:

Third party, fire and theft (TPFT).
If you are responsible for causing an accident, you’ll be covered for damage to third-party vehicles or property. It will provide protection against any fire damage to your car or theft of your car, but it won’t cover any accidental damage.
Comprehensive.
This gives the same protection as TPFT and also insures 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 cover does Sure Thing! offer?

  • Standard car insurance. Standard car insurance
  • Max car insurance. Enhanced car insurance with £100,000 legal cover and breakdown cover with recovery and home assist
  • Dash cam car insurance. Standard car insurance with a dash cam
  • Dash cam Max car insurance. Car insurance with a dash cam and £100,000 legal cover and breakdown cover with recovery and home assist

What is covered under my policy?

Cover benefitsThird partyThird party, fire and theftComprehensive
Liability to other people and property
Fire and theft
Accidental damage
Courtesy car cover
Complete glass cover
30 days of EU travel cover
Personal accident cover of at least £2,000
Legal cover up to £100,000
Breakdown cover

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 Sure Thing!.

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

Optional extras

In addition to the standard levels of cover, Sure Thing! can also offer a range of additional protection to add to your policy, including the following:

  • Legal protection
  • Breakdown cover
  • Excess protection
  • Personal accident cover
  • Replacement car cover
  • Key cover

What policy exclusions are there?

There are a few exclusions that Sure Thing! has for its policies. Your cover is likely to become invalid if any of the following arises:

  • 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 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.

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

How do I make a claim?

Call the 24-hour Sure Thing! claims line on 0800 783 3000 to make a claim. This line is open seven days a week and is free to call.

You’ll need to provide your policy details and have the following information to hand before making a claim:

  • Names and contact details of other drivers
  • Details of all vehicles involved such as registration numbers, make and model
  • Details about when, where and how the accident occurred
  • Details about any damage or injuries
  • Names and contact details of witnesses, if available
  • Photographs of the scene of the accident and/or any damage to vehicles or property
  • Crime reference number, if available
  • CCTV or dashcam footage, if available

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.

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 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 be able to find details about any applied excess in your policy document.

Sure Thing! pros and cons

Pros

  • Cover can be personalised with optional extras
  • Standard car insurance and dash cam car insurance offered
  • Cover for a range of budgets

Cons

  • Dash cam car insurance is only available for new customers
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 we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*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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