Many see car insurance as a necessary evil but there are many benefits to it as well.
Advertisements pester us to buy cheap car insurance but this is not always the best buy and you usually get what you pay for.
Shop around by all means but before committing yourself to a seemingly bargain priced policy from an insurer you are not familiar with always check for reviews on Google; you may change your mind!
Consistently getting top marks for service and reliability the National Farmer's Union Mutual Insurance Society was originally set up to benefit rural communities. However, even if you are a city dweller that shouldn't stop you from applying. They may not be the cheapest around but if your priority is quality rather than price they may be just right for you; they certainly seem to retain their customers well.
Direct Line transformed the car insurance industry when it first appeared in 1985. Backed by the Royal Bank of Scotland it pioneered the use of computers to calculate premiums and was amongst the first to sell insurance direct to motorists, eliminating broker commissions. They still have this method of operation, and refuse to let their policies be sold on price comparison sites. As well as providing policies under their own brand they also control Churchill, everyone's favourite nodding dog.
Admiral isn't just one insurance brand, but several. Their group contains Admiral, Bell, Elephant, Diamond, Veygo and they also launched the confused.com price comparison site (with those annoying Russian rodants!). Multicar policies are a speciality of theirs and younger drivers may find their premiums a little more competitive than most.
Aviva PLC is huge. It grew out of the old Norwich Union and it is now the biggest general insurer in Britain. They are seen as solid and reliable and claim to settle over 99% of car insurance claims. Their online system allows you to make changes to your policy without admin fees, and you can choose from a standard policy (comprehensive only) or a premium one with enhanced benefits.
The Liverpool Victoria Friendly Society Limited adopted their strange new name in 2007. They were formed way back in 1843 so they are solidly established and they have featured as the best insurer for customer satisfaction. Their premiums seem to be a lot cheaper than most for safe, experienced drivers but less competitive for younger or less experienced ones.
Hastings started life as a broker but they now sell vehicle and home insurance, underwritten by Sabre Insurance, Advantage Insurance Company Limited, and Covéa Insurance PLC. Apart from selling policies under the Hastings Direct Banner they also trade as SmartMiles (telematics only), People's Choice and InsurePink. They seem to concentrate on the younger end of the market. The company has substantial financial backing and as of November 2020 it has been run by a consortium which paid 1.7 billion pounds for the company.
Founded in 2000, Esure offers attractive premiums to low risk, experience motorists with long no-claims records so it may not be the best choice for young drivers. THey have a link with Sheila's Wheels who specialise on female drivers (yes they accept males too!) and they are associated with the Gocompare comparison site. As of 2008 the company has been owned by an American private investment firm called Bain Capital.
Ageas is one of the biggest car insurance companies in Britain and they claim to have settled just over 99.8% of claims in the year between November of 2019 and October of 2020. Their roots go back to 1824 so they should be around for a while longer! They are more keen on low risk customers so again perhaps not the best for young drivers.
RSA Insurance Group PLC may not be a familiar name to many people but they are an international company with more than nine million customers, they've been around for more than 300 years and here in the UK they are better known for their brand MORETH>N. They welcome applications from young drivers; they feel that their telematic (or 'black box') monitoring devices make them into better drivers. They claim to cover over 30,000 young motorists this way and they run the Motability scheme that helps disabled drivers get suitable transport.
AXA is a multinational insurance company based in France, and it was founded over 200 years ago. In the UK they own the online insurer Swiftcover. This is designed to be, as much as possible, a fully online insurer which cuts costs down considerably, and can lead to lower premiums, although this may not suit motorists who prefer to deal with a human. Whilst most of their reviews are excellent a number of their customers have compained about communication issues, although in emergencies they claim to have a 24/7 helpline. They are dashcam fans, and have been offering discounts to motorists who fit them.
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