Having a car insurance is essential and it is mandatory.
It is not always easy to find your way around because there is a large offer in the UK. That’s why we have put together a ranking of the 8 main players. You will discover who offers the best coverage at a reasonable price, an excellent level of customer service or an efficient claims process?
John Lewis Finance
John Lewis Finance has taken the top spot among the best car insurance companies in the UK, thanks to its excellent customer service and efficient claims handling.
John Lewis Finance has been providing quality financial solutions at competitive prices for over 150 years. Its car insurance offers fuel exhaustion cover, uninsured motorist protection, friendly surveyor services, courtesy car and travel cover among others. It also allows customers to modify their policies with optional extras such as legal protection, car breakdowns and a protected no-claims discount.
LV = Car insurance
Ranked 2nd for excellent customer service and offering – with unlimited coverage for windows, windshields, sunroofs and lost keys. Similar to John Lewis Finance, LV = also has a no claims discount.
LV = is one of the largest insurance companies in the UK with over 176 years of experience in the industry.
Aviva
Aviva is a multinational insurance company serving over 33 million customers. Its auto insurance coverage levels include comprehensive, liability, fire and theft.
Comprehensive insurance covers loss or damage to the owner’s vehicle, liability, uninsured drivers, vehicle recovery, driving other cars, legal expenses, auto injury and comes with an individual no-claims discount.
Direct Line
Direct Line has won awards for its excellent customer service, individual multi-car discounts and comprehensive coverages, especially business auto insurance.
Direct Line Group has multiple brands, products and distribution channels to offer customers various options to protect their cars, homes, pets, businesses and travel plans. Its auto insurance solutions aim to provide affordable yet high-quality policies by offering benefits such as a guaranteed rental car, onward travel and a fair claims commitment.
Saga
Saga was ranked in the top five because it was considered one of the best car insurance companies for the over 50s in the UK.
Its car insurance policies offer high levels of cover at a competitive price, including uninsured motorist cover, legal protection and a no-claims discount.
Churchill Insurance
Churchill Insurance is considered to be one of the best multi-car and especially business insurance companies in the UK.
Its car insurance includes a 24-hour emergency hotline, guaranteed repairs for five years if the customer uses Churchill-approved repairers and a courtesy car as standard.
Churchill is also well known for DriveSure telematics, designed to help young people drive safely and reduce their premiums.
Tesco
Tesco Bank, has been providing banking and insurance products since 1997. The company manages over 5.6 million customer accounts.
Tesco’s car insurance is underwritten by well-known insurance companies such as Tesco Underwriting Ltd, AXA UK plc, Aviva Insurance Ltd, Saber Insurance Company Ltd and Zenith Insurance plc. Tesco offers a wide range of products and benefits and allows policyholders to customize their coverage.
One of Tesco’s best known products is “box insurance” for drivers aged 17 to 35.
Age Co
Similar to Saga, Age Co is also known for providing financial products and services to people over 50. It offers car and home insurance, as well as financial services.
Available benefits of Age Co’s auto insurance policies include a message relay service that allows policyholders to contact a friend or family after an accident, permanently installed audio equipment coverage, Get You Home service, unlimited windshield coverage, engine failure coverage and European coverage for up to 180 days per year. It also has optional key protection, supplemental protection and engine legal protection coverage.