Best vehicle insurance recommendations in the UK

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Vehicle insurance is a legal requirement in the UK, but finding the best policy for your needs can be challenging. There are many factors to consider, such as the level of cover, the price, the customer service, and the benefits. In this article, we will provide some tips and recommendations to help you compare and choose the best vehicle insurance in the UK.

What are the types of vehicle insurance in the UK?

There are three main types of vehicle insurance cover in the UK:

  • Third party: This is the minimum level of cover required by law, and it only covers the damage or injury you cause to someone else or their property. It does not cover any damage to your own vehicle or yourself.
  • Third party, fire and theft: This is similar to third party cover, but it also covers your vehicle if it is stolen or damaged by fire.
  • Fully comprehensive: This is the widest level of cover available, and it covers everything that third party, fire and theft does, plus any damage to your own vehicle or yourself, regardless of who is at fault. It may also include some extra benefits, such as breakdown cover, legal expenses, windscreen cover, or courtesy car.

The type of cover you need depends on your personal preferences, your budget, and your vehicle. Generally, fully comprehensive cover is the most expensive, but it also offers the most protection. However, it may not always be the best option, especially if your vehicle is old, low-value, or rarely used. In some cases, third party or third party, fire and theft cover may be cheaper and sufficient for your needs.

How to compare vehicle insurance quotes in the UK?

The best way to find the best vehicle insurance for you is to compare quotes from different providers. You can do this online, by using comparison websites, such as MoneySuperMarket, [Compare the Market], [Confused.com], or [GoCompare]. These websites allow you to enter your details and preferences, and then show you a range of quotes from various insurers. You can then compare the prices, the features, and the customer reviews of each policy, and choose the one that suits you best.

However, comparison websites may not always show you the cheapest or the best quotes, as some insurers may not be listed on them, or may offer exclusive deals elsewhere. Therefore, it is advisable to also check the websites of individual insurers, especially those that are known for offering good rates or benefits for your type of vehicle or driver profile. For example, some insurers may specialize in classic cars, electric cars, young drivers, or multi-car policies.

Another tip to get cheaper quotes is to shop around at the right time. According to MoneySavingExpert, the best time to search for quotes is 21 days before your renewal date, as this is when insurers tend to offer the lowest prices. However, this may vary depending on your circumstances, so it is worth checking quotes at different times to see if you can get a better deal.

What are the best vehicle insurance companies in the UK?

There is no definitive answer to this question, as the best vehicle insurance company for you may depend on your personal preferences, your vehicle, and your driving history. However, some factors that can help you evaluate the quality of a vehicle insurance company are:

  • Policy score: This is a rating of the level of cover and the features of a policy, based on a comparison of 29 different elements, such as excess, personal injury, personal belongings, new car replacement, and breakdown cover. The higher the score, the more comprehensive the policy. You can find the policy scores of different insurers on Finder.
  • Customer satisfaction: This is a rating of how happy customers are with their insurer, based on a survey of over 1,600 customers, conducted by Finder. The survey asked customers to rate their insurer on various aspects, such as customer service, claims handling, value for money, and trustworthiness. The higher the rating, the more satisfied the customers.
  • Category awards: These are awards given to insurers that excel in specific categories, such as cheaper rates, customer service, multi-car, over-50s, temporary, young drivers, or convicted drivers. These awards are based on a combination of policy score, customer satisfaction, and expert analysis. You can find the category awards of different insurers on Finder.

Based on these factors, here are some of the best vehicle insurance companies in the UK, according to Finder:

  • LV=: Best for cheaper rates. LV= offers competitive prices and a high policy score of 83%. It also has a customer satisfaction rating of 4.4 out of 5, and a 5-star rating from Defaqto, an independent financial product rating agency.
  • Admiral: Best for customer service and multi-car. Admiral has a high customer satisfaction rating of 4.5 out of 5, and a policy score of 82%. It also offers a discount for every car you add to your policy, and a range of benefits, such as windscreen repair, personal injury cover, and courtesy car.
  • Saga: Best for over-50s. Saga is a specialist insurer for drivers aged 50 and over, and offers a high policy score of 84%, and a customer satisfaction rating of 4.3 out of 5. It also offers some extra benefits, such as unlimited European cover, vandalism cover, and uninsured driver cover.
  • Tempcover: Best for temporary insurance. Tempcover is a specialist insurer for short-term cover, ranging from one hour to 28 days. It offers a policy score of 79%, and a customer satisfaction rating of 4.4 out of 5. It also offers flexible cover options, such as learner drivers, impounded cars, or test drives.
  • Hastings Direct: Best for young drivers. Hastings Direct offers competitive prices and a policy score of 78%. It also has a customer satisfaction rating of 4.1 out of 5, and a 5-star rating from Defaqto. It also offers black box cover, which can help young drivers save money by monitoring their driving habits and rewarding safe driving.
  • Swinton: Best for convicted drivers. Swinton is a specialist insurer for drivers with convictions, such as speeding, drink driving, or driving without insurance. It offers a policy score of 76%, and a customer satisfaction rating of 4.1 out of 5. It also offers flexible payment options, and a range of cover levels, from third party to fully comprehensive.

Conclusion

Vehicle insurance is a legal requirement in the UK, but it can also offer you peace of mind and financial protection in case of an accident or theft. To find the best vehicle insurance for you, you need to compare quotes from different providers, and consider the level of cover, the price, the customer service, and the benefits. You can use comparison websites, such as MoneySuperMarket, [Compare the Market], [Confused.com], or [GoCompare], to compare quotes online, but you should also check the websites of individual insurers, especially those that specialize in your type of vehicle or driver profile. You should also shop around at the right time, as prices may vary depending on when you search. Finally, you can use the policy score, the customer satisfaction rating, and the category awards of different insurers, as provided by Finder, to evaluate the quality of their policies and services. Some of the best vehicle insurance companies in the UK, according to Finder, are LV=, Admiral, Saga, Tempcover, Hastings Direct, and Swinton. However, the best vehicle insurance company for you may depend on your personal preferences, your vehicle, and your driving history. Therefore, it is important to do your own research and compare quotes before you buy.

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