Best and worst car insurance companies

Although car insurance can come at a high cost، you need not compromise on quality coverage just to secure a cheaper price. At Which?، we can assist you in locating the most exceptional car insurance providers and policies. We evaluate 78 aspects of a car insurance policy، and we also survey numerous actual customers who have made claims to gauge their views on their insurer، including well-known names like LV، Direct Line، and Churchill. Our surveys delve deeply into the most crucial aspects of obtaining a car insurance policy، including customer service، cost، excess، and ease of filing a claim.

Aside from utilizing our reviews، you can also cut expenses on your car insurance policy by employing a few straightforward techniques:

Best and worst UK car insurance companies

We utilize our customer surveys and policy analysis to create rankings of car insurance providers. The highest-scoring providers can earn the distinction of being a Which? Recommended Provider (WRP) if they meet specific requirements، including being regulated by the Financial Conduct Authority (FCA)، being available to the general public، receiving feedback from at least 30 customers in our survey، achieving high scores in our customer satisfaction survey، and attaining an average or above policy score. Additionally، we do not grant our WRP endorsement to a provider with a below-average claims score.

Our first list compares solely those car insurers that we were able to rate for both policies and customer experience، and it is arranged by total score. The second list compares car insurance policies، and an insurer may provide more than one policy.

Car insurers with policy and customer scores

Raising your car insurance excess is a popular method to reduce your premium، but this effectively means that you’re lowering your coverage. It’s essential to verify that the excess amount you’ve chosen is something you can manage to pay in the event of a claim.

Furthermore، it’s prudent to examine the administration fees associated with your policy. These charges may be levied if you modify any information on your policy or cancel it.

Additional features، such as personal accident coverage، European coverage، and key cover، are highly lucrative for insurers، but may not be as valuable to you. If you terminate your policy early، cancellation fees may also be applied.