Top 10 Car Insurance Companies in the UK with Quotes

A comparison of auto insurance providers is required to identify which is the best. Customer service, coverage alternatives, financial soundness, the claims processing procedure, price, customer reviews, and data on customer satisfaction and complaints are all important factors to consider. Individual demands, such as budget, vehicle type, amount of coverage, and geographical area, must also be considered. Websites of car insurance companies, customer reviews and complaints, and news stories on car insurance providers may all be used to assess the quality of a vehicle insurance business and make an educated choice about the best one for individual requirements. Direct insurers, price comparison websites, brokers, temporary car insurance companies, specialist car insurance companies, pay-per-mile insurance companies, telematics (black box) based insurance companies, and insurance companies that are part of a larger group are all examples of car insurance companies. Finally, selecting the finest vehicle insurance provider necessitates an assessment of the aforementioned factors as well as research into the various products accessible.

The sort of automobile insurance you choose will be determined by your specific demands and circumstances. There are several forms of automobile insurance available, including liability, comprehensive, and third-party insurance. The finest auto insurance company for you will be the one that offers the most comprehensive coverage at the most affordable price. Aviva, Direct Line, Admiral, and LV= are some of the best vehicle insurance providers in the UK. Aviva is one of the biggest and most recognized vehicle insurers in the United Kingdom, offering comprehensive coverage at affordable prices. Direct Line provides optional extras including breakdown protection and a courtesy vehicle service, as well as adaptable plans with varying levels of coverage. Admiral offers a number of coverage alternatives as well as cheap pricing. They also provide incentives such as a no-claims bonus and a discount for purchasing several vehicles. LV= is a well-known vehicle insurance that provides low prices and a variety of coverage alternatives. Saga is an over-50s-only auto insurance that offers comprehensive coverage at affordable prices. Tempcover is a temporary automobile insurance specialist, that provides flexible and cheap cover for short-term usage. Hastings Direct is a vehicle insurance specialist for young drivers, providing low prices and a variety of coverage choices. When shopping for vehicle insurance, it is important to compare several providers and plans in order to locate the finest coverage at the most affordable price. Cost, coverage, customer service, and discounts are all important considerations. Furthermore, ensure that the organization is dependable and has a strong reputation.

It might be challenging to choose the finest vehicle insurance provider. Investigate several firms, compare their plans and coverage, and seek out the best bargain. Consider the total cost of the insurance, the sort of coverage you need, and the company’s customer service. Examine the company’s financial health and BBB rating to ensure it is credible and trustworthy. To minimize the cost of your insurance, consider looking around for the best offers, boosting your deductibles, cutting coverage for older cars, and taking advantage of discounts. Different forms of insurance must also be evaluated, including liability, uninsured motorist, collision and comprehensive, personal injury protection, and gap insurance. To obtain the greatest coverage and pricing for your requirements, compare plans and providers.

The finest vehicle insurance companies in the UK differ according to the kind of insurance needed. Admiral, Direct Line, and Aviva, for example, are all well-ranked in terms of value for money. Aviva, Allianz, and others are suggested for consumers seeking complete coverage. Tempcover is an excellent alternative for people seeking temporary auto insurance. Churchill is the greatest option for a black box cover. Swinton is highly recommended for convicted drivers. Finally, Saga is the greatest option for anyone over the age of 50. It is important to compare plans from many providers to ensure that you are obtaining the greatest coverage for your requirements.

This article gives a comprehensive assessment of the top ten vehicle insurance providers in the United Kingdom, analyzing elements to consider when selecting a carrier. It discusses the elements that influence the cost of vehicle insurance quotes, how to pick the best car insurance company, and the best car insurance companies per insurance type. The article also compares the best car insurance companies based on driving profile, liability, uninsured motorist coverage, collision and comprehensive insurance, personal injury protection, accident forgiveness, gap insurance, new car replacement, temporary car insurance, pay-per-mile insurance, SR-22 insurance, vanishing deductibles, usage-based insurance, and discounts. The article also discusses customer reviews and complaints, websites, news, the many sorts of vehicle insurance companies, and how to choose the best car insurance providers. It also examines customer service, discounts, and websites to assist you in determining which firm is ideal for you.

Finally, the article describes how the finest vehicle insurance companies are chosen, as well as information on their credit score ratings. This article gives an overview of the top ten vehicle insurance providers in the United Kingdom, as well as rates for each. The main firms in the UK include SAGA, CSIS, Direct Line, Admiral Group, NFU Mutual, By Miles, Veygo, LV=, Tempcover, and Age Co, with each offering distinct benefits and rates. SAGA, for example, provides a variety of discounts, while CSIS provides a variety of flexible policies. For teenage drivers, Direct Line is the most popular supplier, while Admiral Group offers discounts on automobile safety equipment. NFU Mutual provides reasonable rates as well as personalized service, whilst By Miles caters to low-mileage drivers. Veygo provides short-term insurance, while LV= offers a variety of perks to handicapped drivers. Tempcover provides a variety of coverage for infrequent drivers, while Age Co gives a variety of discounts for elderly drivers.

1. Saga

Saga is a British insurance firm that was established in 1951. The headquarters of Saga are in Kent, England. Saga Insurance offers a variety of insurance products, such as travel, house, auto, pet, and life insurance. Saga Insurance is a subsidiary of the Saga Group, a FTSE 250 firm. Saga is best recognized for its vehicle insurance coverage for senior drivers, and it is a specialty insurer for the Over 50s demographic. Saga offers three types of coverage: Saga Standard Coverage, Saga Select Coverage, and Saga Plus Coverage. Each successive insurance category provides higher benefits than the previous one. These insurance are particularly tailored for adults over the age of 50, with low prices to match.

Saga has an overall average insurance rate, with varying average insurance premiums across various groups. The average insurance premium varies depending on whether the driver is excellent, average, or new. In the first quarter of 2022, the average cost of comprehensive automobile insurance in the UK was £416.

Saga is a top-rated vehicle insurance provider in the United Kingdom. From 2013 through 2022, Saga has a defaqto rating of five stars. They evolved into a Which? Saga triumphed in all five auto insurance categories at the 2022 Consumer Intelligence Awards, including customer trust and claims satisfaction, in February 2022. These scores are based on consumer intelligence, claims satisfaction, and overall customer contentment, with an overall customer satisfaction rating of 9 out of 10.

Saga is obligated to disclose a summary of complaints received since they are regulated by the Financial Conduct Authority. Saga received 9616 complaints between February 2022 and July 2022, amounting to 5.7 complaints per 1000 policies in effect, or a complaints rate of 0.57%, with the most prevalent issues being to general administration and customer service.

Benefits of Saga auto insurance:

  • Customers will save money on both upfront and continuing expenditures linked with their accounts if there are no administrative fees.
  • No Claim Discount (NCD): NCDs (No Claim Discounts) may help you save money on your insurance rates. The larger the discount, the longer you go without filing a claim.
  • If you are involved in an accident with an uninsured motorist, your No Claims Discount will be unaffected.
  • The following are the disadvantages of Saga auto insurance:
  • Different Insurance Tiers: Different insurance tiers, such as Saga Plus, provide varying degrees of benefits and services, with corresponding costs.
  • Customer base is limited: Many clients may not be eligible for specialist insurance for those over 50.
  • Pricing: Due to the number of benefits and services available, Saga Insurance Company may not have the most competitive prices and discounts.

Review of Saga Insurance: Pros and Cons

Due to affordable prices, a large selection of coverage options, and additional perks such as discounts on vehicle rental and breakdown protection, Saga may be regarded as the finest auto insurance company. Furthermore, Saga provides a range of customer care alternatives, including a live chat tool, making it simple to contact a representative for assistance with inquiries or disputes. Saga offers three types of coverage: complete, third-party fire and theft, and third-party only. Comprehensive auto insurance provides the most comprehensive coverage for your vehicle, including accidental damage, theft, fire, and other disasters. It also covers other people’s and property damage, as well as legal and medical expenses.

The following table contains information on Saga:

CompanyAverage Annual RateComplaint LevelHandling ClaimsCustomer Loyalty Advantages
Saga Insurance£416 Comprehensive0.57%GoodUninsured Driver Promise

2. CSIS

CSIS (Civil Service Insurance Society) is a vehicle insurance business situated in Maidstone, England that was formed in 1889. CSIS Insurance is a prominent supplier of commercial and personal insurance solutions. Property and casualty insurance, life insurance, health and disability insurance, financial goods, and employee perks are among the services provided by the organization. CSIS is a non-profit organization and a registered charity in the United Kingdom. As a non-profit organization, all revenues are reinvested in civil and public service philanthropic organizations.

CSIS is well known for its automobile insurance coverage, and they are a specialty insurer for Civil and Public Servants. Comprehensive and third-party fire and theft coverage are common CSIS coverage choices. CSIS seeks to provide specialized insurance policies for Civil and Public Servants by delivering a variety of high-quality products at reasonable pricing.

CSIS has an overall average insurance rate, with varying average insurance premiums across various groups. The average insurance rate for good drivers, intermediate drivers, and novice drivers varies. In the first quarter of 2022, the average cost of comprehensive automobile insurance in the UK was £416.

CSIS is a top-rated vehicle insurance company in the United Kingdom. CSIS has a Trustpilot rating of 4.7. Trustpilot evaluations are based on customers’ interactions with a particular company, product, or service. Customers who have used the product or service generally give reviews, which may include ratings, comments, images, or other material. CSIS was named the best-trusted supplier of auto, house, and travel insurance at the Moneywise Magazine Annual Awards.

Advantages of CSIS vehicle insurance:

  • Customers will save money on both upfront and recurring expenditures linked with their account if there are no admin fees.
  • Voluntary excess: By agreeing to pay a higher amount toward any claim you make, you minimize the insurer’s risk and, as a result, your premium.
  • Optional motor legal and breakdown cover: Protection in the case of an accident is included.

Cons of CSIS automobile insurance:

  • Premiums may be greater than those charged by other insurers.
  • Specialist provider: The insurance provided by CSIS is tailored to Civil Servants and associated professions and may not be suitable for everyone.
  • Due to their specialized nature, CSIS offers fewer coverage alternatives than other carriers.

Because of its customer service alternatives, multi-policy and loyalty discounts, and charity contributions, CSIS might be regarded as the top vehicle insurance company. CSIS coverage options include medical aid and repatriation, with the major benefits being the variety of alternatives accessible to the insured person.

The following table contains information regarding CSIS:

CompanyAverage Annual RateCustomer ServicesHandling ClaimsCustomer Loyalty Advantages
Civil Service Insurance Society (CSIS)£416 ComprehensiveLegal Expenses IncludedGoodFree 24-hour motor legal advice

3. Direct Line

Direct Line is an automobile insurance firm headquartered in Bromley, England. Direct Line was established in 1985. Direct Line became a subsidiary of Direct Line Insurance Group in 2012 and is a FTSE 250 firm.

Direct Line is well-recognized for auto insurance and is a direct car insurance expert. The first direct vehicle insurance firm was Direct Line. Direct Line’s most common coverage choices are vehicle insurance and house insurance, but they also provide a broad variety of general insurance products. As of August 2022, Direct Line has an overall average insurance premium of £554 for a comprehensive policy, with variable average insurance costs across various groups. The average insurance rate for good drivers, intermediate drivers, and novice drivers varies.

Direct Line is a top-rated vehicle insurance provider in the United Kingdom. Direct Line has a Trustpilot rating of 4.0. The reviews on Trustpilot are based on customer interactions with a business, product, or service. Customers who have willingly offered their opinion and described their experience with the firm write reviews.

Advantages of Direct Line vehicle insurance:

  • Direct: Good prices may be obtained by avoiding price comparison websites, avoiding commission, and bypassing the intermediary.
  • Fair Claim Commitment: When filing a claim for conditions such as being struck while parked or being damaged by a pothole, the No Claims Discount (NCD) is unaffected.
  • Courtesy automobiles are used as a courtesy to assist clients travel about while their own car is being fixed, and are often driven for short distances and for short periods of time.

Cons of Direct Line auto insurance:

  • Customer complaints: Direct Line gets more Financial Ombudsman Service (FOS) complaints than some other insurance companies. FOS is an independent organisation that offers free, unbiased, and independent dispute resolution services to customers who are dissatisfied with financial services providers such as banks and insurance firms. A greater percentage of FOS consumer complaints is undesirable since it suggests that customers are dissatisfied with the services they are getting and that the firm is not satisfying their demands. This might lead to a reduction in consumer loyalty and harm the company’s image.
  • Low vehicle key insurance coverage: This may be a severe problem since replacing car keys can be quite costly, and not having adequate insurance coverage can put a person on the hook for the whole cost of replacement.
  • Direct: Being absent from price comparison websites makes it difficult to compare costs with other insurance companies.

Direct Line is the greatest vehicle insurance company because of their reduced insurance prices, direct service, and customer benefits. Direct Line offers third-party, fire and theft, comprehensive, and comprehensive plus coverage, with the major benefits being cost and simplicity.

The following table contains information regarding Direct Line:

CompanyAverage Annual RateComplaint LevelCustomer ServicesCustomer Loyalty Advantages
Direct Line £554 ComprehensiveHighMulti-car insurance discountsTelematics for Younger Drivers

4. Admiral Group

Admiral Group plc is a financial services firm situated in Cardiff, Wales. Admiral Group began as a branch of Brockbank Group in 1991. Admiral Group is a FTSE100 company that provides financial services. A financial services firm is a corporation that offers financial services to people, companies, and governments, such as banking, insurance, investments, loans, and asset management. Financial services firms may be comprised of a single business or a collection of related firms.

Admiral Insurance is part of the Admiral Group and offers coverage such as motor, home, travel, and pet insurance. Admiral Insurance was founded in 1993 as a specialized vehicle insurance company. Admiral Group’s most common coverage choices are Comprehensive, Third Party, Fire and Theft, and Third Party Only.

Admiral’s total average insurance rate is comparable to the UK average. In December 2022, the average yearly premium cost for automobile insurance in the United Kingdom was £773.74, with variable average insurance prices across various groups. The typical insurance rate for good drivers, intermediate drivers, and novice drivers varies, and insurance prices vary by area. The average insurance premium in England for the same month of December 2022 was £790.82, while the average insurance cost in Scotland was £669.77. Greater London has the highest average rate on the continent, at £1006.98.

Admiral is a top-rated vehicle insurance company in the United Kingdom. Which one? Admiral has a 68% customer satisfaction rating. This ranking is based on the convenience of policy administration, the application procedure, and the fair treatment of long-term clients. Admiral Group gets an average amount of complaints, with the most prevalent being concern about the customer support method. The corporate rating reflects this.

Advantages of Admiral Group auto insurance

  • Stolen and Lost Key Coverage: Covers the expense of replacing locks and keys in the event of theft or loss.
  • Motor Legal Protection: Coverage for legal expenditures incurred as a result of an accident.
  • Dash cam discounts: Insurance premium reductions for having a dash cam installed and working in a vehicle.

The disadvantages of Admiral Group auto insurance business

  • No coverage for misfueling: If you unintentionally fill your vehicle with the incorrect kind of fuel (Petrol / Diesel), you will be responsible for the repairs.
  • Windshield Replacement Excess: £115 non-optional windshield replacement excess.
  • Poor Claims Procedure Reviews: There have been several negative reviews on sites like Trustpilot complaining about the claims reporting procedure and customer service concerns.

Admiral is a wonderful auto insurance company since they provide low prices and extensive coverage. They also offer a Claims Guarantee. Admiral also provides savings for numerous vehicles, no-claims bonus protection, breakdown insurance, and other benefits.

The table below contains information on Admiral Group:

Company NameAverage Annual RateComplaint LevelHandling ClaimsCustomer Services
 Admiral £773 High PoorNo Claims Discounts (NCD) match

5. NFU MUTUAL

NFU Mutual is a UK-based car insurance company formed in 1910 in Stratford-upon-Avon, England. Because NFU Mutual is a UK insurance composite, its officers and directors are directly responsible to policyholders and consumers for the company’s operations. Because NFUM is a mutual fund, there are no shareholders to hold it responsible. The organization’s full name is National Farmers’ Union Mutual Insurance Society Limited.

NFU Mutual is well-recognized for its house insurance, landlord insurance, and automobile insurance. NFU Mutual’s most common coverage choices are comprehensive and third-party, fire and theft. Although NFU Mutual provides automobile insurance to the general public, its plans do not cover all postcodes, especially those in big cities, or risk profiles.

NFU Mutual is a top-rated vehicle insurance provider in the United Kingdom. Which will be the case in 2022? NFU Mutual was chosen as their insurance provider of the year. NFU Mutual’s vehicle insurance received an exceptional 90% customer satisfaction rating from Which? NFU Mutual was ranked #1 out of 49 insurance providers examined, with an overall score of 81%.

An investigation undertaken by the Financial Times in 2017 indicated that NFU Mutual is the most accommodating insurance based on complaints data from the financial ombudsman agency. NFU Mutual received just 17% of all complaints between April and September 2017, making it the insurer with the fewest complaints accepted.

Advantages of NFU Mutual Automobile Insurance Company

  • A 0% APR on monthly payments is advantageous since it implies there are no interest charges or other expenses connected with the payment. This enables you to pay your insurance payments in full each month without incurring any additional charges.
  • No Admin Fees: Customers benefit from no admin fees on monthly insurance payments since it helps them to save money on their insurance payments.
  • Motor Legal Protection is included as standard, and it may aid you with any legal bills or expenditures incurred as a consequence of an accident, as well as offering access to a 24-hour legal hotline for guidance and support. Having this protection as a standard will guarantee that you are adequately insured in the case of a motoring dispute and can provide you with peace of mind that you will not be saddled with a huge fee if anything goes wrong.

The disadvantages of NFU Mutual auto insurance business

  • No lost key coverage: No lost key coverage is negative for automobile insurance since it implies the insured is liable for the expense of replacing their keys if they lose them. This might be a large expenditure, which the insured would have to pay out of pocket if not covered. Furthermore, if the insured does not have coverage, they will be unable to drive their automobile until the keys are replaced, which might create severe interruption and annoyance.
  • NFU Mutual’s No Claims Discount (NCD) insurance is limited to two claims per year for the next five years.
  • Complete loss courtesy vehicle duration is just 14 days: The complete loss courtesy car time is only 14 days. A brief complete loss courtesy vehicle term is undesirable since it restricts the length of time you may utilize the courtesy automobile. This implies that if your vehicle is out of commission for a lengthy period of time, you may need to locate other transportation. The limited time frame also restricts the convenience of a courtesy vehicle and might add stress and annoyance.

Because of its exceptional customer service and satisfaction ratings, broad coverage choices, and low premium costs, NFU Mutual might be regarded as the finest vehicle insurance company.

The table below contains information on NFU Mutual.

Company NameComplaint LevelHandling ClaimsCustomer ServicesCustomer Loyalty Advantages
NFU Mutual InsuranceLowGoodRAC Mutual Assist Breakdown Cover‘Mutual Bonus’ to reward customers on renewal

6. By Miles

By Miles is a vehicle insurance business headquartered in the United Kingdom that was launched in 2016. By Miles is most known for its vehicle insurance coverage, but it also serves as a specialized insurer for telematics-based insurance. The most common coverage choices available via By Miles are set yearly costs for parked automobiles, with monthly payments increasing according to how often the car is used. The insurance premium is determined per mile using a personalized per-mile rate.

Pay-per-mile insurance is a kind of telematics, sometimes known as “black box” automobile insurance. You will get a telematics device to place in your vehicle, which will track your miles. The gadget may also be connected to an app on your phone, enabling you to monitor your kilometers and the cost of each journey. These insurance normally have two components: an annual price to protect your car while it is not in use, and a charge per mile rate depending on your risk factors and the number of miles you travel each year.

This type of car insurance was created for those who drive the least amount of time, such as for infrequent, short trips (e.g., shopping, school runs), students who may only use their vehicles for occasional trips home or during holidays, young people who only use their cars for leisure and find annual insurance too expensive, and retired people who no longer need their vehicles for commuting to work. This form of auto insurance, on the other hand, may not be appropriate for individuals who use their cars often, such as for daily commuting between towns or cities to work, continental driving vacations, or business trips.

Because the price fluctuates dependent on individual use, calculating an average cost for By Miles is tricky, with various average insurance premiums across different groups. Several risk variables are evaluated when determining the cost of your premium, including your age and driving experience, where you live and park your vehicle, the brand and model of your automobile, your employment, and your car insurance claims history.

By Miles’ quote calculator suggested an annual standing cost of £172 and a driving charge of 3.2p per mile, regardless of predicted mileage, for a middle-aged man living in an East Midlands town with a 20-year no-claims bonus and a seven-year-old 1.4 liter estate vehicle. This would incur the following expenses:

  • 100 miles – £175.20
  • 1,000 kilometers – £204
  • 6,000 kilometers – £364

By Miles is a top-rated vehicle insurance company in the United Kingdom. The Trustpilot rating for By Miles is 4.3. Over 7000 independent reviews contributed to this grade.

Benefits of By Miles auto insurance:

  • Benefits of personal use scenarios: Pay-per-mile vehicle insurance is an excellent choice for persons who do not drive much, such as retirees, students, or people who work from home.
  • Flexibility: It may also be more flexible since you just pay for the kilometres you travel.
  • Affordability: Because it is based on real miles rather than an estimate of how much you drive, it may be less expensive than standard auto insurance.

The disadvantages of By Miles auto insurance business

  • Management: Pay-per-mile vehicle insurance might be tough to handle if your driving habits are inconsistent.
  • Estimates: Because distance is difficult to monitor, it may be difficult to get an exact estimate.
  • Availability: By Miles is not available to all drivers, including those under the age of 25.

By Miles is the finest vehicle insurance company since it provides flexible pay-as-you-drive car insurance depending on how much you drive. This implies that by just paying for the kilometres driven, drivers may save up to £500 per year on their auto insurance prices. By Miles also provides a variety of coverage alternatives, including Comprehensive, Third-Party Fire and Theft, and Third-Party Only plans. They also provide a variety of extras, such as European coverage and a courtesy vehicle in the case of a non-fault claim. The key benefits of By Miles are that it gives drivers with a flexible and cost-effective approach to insure their vehicles, as well as extensive coverage alternatives.

The following table contains information on By Miles:

Company NameAverage Annual RateComplaint LevelHandling ClaimsCustomer ServicesCustomer Loyalty Advantages
By MilesYearly Standing Rate from £170, per-mile rates starting from 3pLowGoodTelematics with app monitoring Reduced premiums for safe drivers

7. Veygo

Veygo is an automobile insurance firm headquartered in Cardiff, Wales. Admiral Group owns Veygo, which was launched in 2016. Veygo is best known for their auto insurance coverage, and they are a specialty insurer for short-term car insurance. Veygo’s most common coverage choices are flexible insurance, temporary insurance, and novice driver insurance. The duration of short-term and temporary insurance coverage may vary from one hour to one month.

Estimated rates for temporary insurance via Veygo vary from £2 per hour to £7.30 per hour, or roughly £22 for a full day’s coverage. This price drops to roughly £15 per day for two days of insurance and around £9 per day for a seven-day coverage.

Veygo is a top-rated vehicle insurance provider in the United Kingdom. Veygo has a rating of 4.7 on Trustpilot. A Trustpilot rating of 4.7 out of 5 stars means that the product or service has received overwhelmingly good feedback from consumers. It indicates that the majority of consumers had a favorable experience and would suggest the product or service. The ratings on Trustpilot are based on consumer feedback. Customers may rate and evaluate a business, product, or service based on their own experiences. These reviews are then used to determine the company’s overall Trustpilot rating.

Veygo, as a Financial Conduct Authority (FCA) registered firm, makes data on their complaints record public. Veygo had 69 complaints open from 01/01/2022 to 30/06/2022, with 62 of them closed. 50% were closed within three days, and 45% were closed after three days but within eight weeks. 58% of the complaints were upheld. The most common reason for complaints was general administration/customer service issues.

Benefits of Veygo auto insurance

  • Needs-tailored plans: Veygo provides short-term insurance policies that may be customised to your specific requirements, allowing you to acquire the coverage you need for the time you are driving.
  • Drivers who pay for their coverage in full up ahead get a 10% discount from Veygo.
  • Customer support: Veygo provides customer service 24 hours a day, seven days a week.

The disadvantages of Veygo vehicle insurance business

  • Veygo is only accessible in the United Kingdom, so overseas clients will have to search elsewhere for vehicle insurance.
  • No Breakdown Coverage: Veygo does not provide breakdown coverage, thus you must get it from another supplier.
  • Cost: Short-term insurance plans are more costly than yearly policies, however this is offset by the fact that they are taken out for a shorter period of time.

Veygo is the finest vehicle insurance company because they understand how people’s lives are changing and provide them personalized control over their own trips. They provide temporary auto insurance and learner driver insurance and are looking into further methods to assist in the future years. They are part of the Admiral Group and have sold over one million policies. Admiral, named Best UK Car policy Provider six years in a row by The Personal Finance Awards, underwrites its comprehensive policy.

The table below contains information on Veygo.

Company NameComplaint LevelHandling ClaimsCustomer Services
VeygoLowGood24/7 support

8. LV=

Liverpool Victoria, doing business as LV= since May 2007, is a car insurance firm based in Liverpool, England. London Victoria was established in 1843. LV= is now headquartered in Bournemouth, England. LV= provides a variety of insurance and retirement options. LV= Car Insurance is well recognized for providing motorists with specialized insurance coverage. They are a specialized insurer for drivers who could not previously get insurance, such as young drivers and those with criminal histories. Comprehensive coverage, third party, fire and theft, and third party only are all common possibilities. They also provide extras like breakdown protection, personal accident protection, and legal protection. Electric Car Insurance, Learner Driver Insurance, and multi-car coverage are some of the more specialized insurance products offered by LV=.

Insurance contracts from LV= start at £219, which 10% of their total clients paid for between May and October 2022.

LV= is a top-rated vehicle insurance company in the United Kingdom. On Trustpilot.co.uk, LV= has an 80% above average rating. LV= has a rating of 9.1/10 on the independent review site reevoo, a rating of 4.62/5 on smartmoneypeople.com, and 62% of reviews on reviews.co.uk endorse LV=. Defaqto gives LV’s vehicle insurance coverage five stars.

LV= received 1306 complaints between January and June 2022, a rate of 1.31 complaints per 1000 policies in place. LV= closed 1305 total complaints over this time period. Sixty-two percent of these closed complaints were resolved within three days, 36% within eight weeks, and 72% were upheld. The most common concerns were about general administration and customer service. The corporate rating reflects this.

LV= is dedicated to providing everyone with affordable and regulated financial advice for the emotional and financial benefits it delivers. To assist consumers in purchasing the essential goods and services, the firm collaborates with a broad variety of financial consultants. The skilled and dedicated management team strives to guarantee that the business is ‘Best Loved’ in the eyes of its brokers and that a high-value connection is developed.

Advantages of LV= vehicle insurance:

  • No Claims Bonus: Guaranteed for uninsured drivers involved in incidents that were not your fault. There is no excess to pay if the car and driver data are available.
  • Online Insurance Discount: Receive at least 5% off, excluding add-ons, when purchasing an insurance policy online.
  • Lifetime repair guarantee: Lifetime repair warranty when utilizing the suggested repairer service, Labor Only (Excluding Parts).

The following are the disadvantages of LV= vehicle insurance:

  • Motor legal costs, guaranteed rental vehicle insurance, higher personal accident protection, and breakdown cover are optional extras that may be added to policies for a fee. These are not included by default.

Because of their continual excellent client feedback and fair price on insurance premiums, LV= may be regarded the top vehicle insurance company. As a firm that has been in operation for over 175 years, LV= has a long history of providing exceptional service as an established and well-respected brand.

The table below contains information on LV=.

Company NameAverage Annual RateComplaint LevelCustomer ServicesCustomer Loyalty Advantages
Liverpool Victoria (LV=)£220+1.31 complaints per 1000 policiesOnline Insurance DiscountsLifetime Repairs Guarantee

9. TempCover

Tempcover is an automobile insurance firm headquartered in London, England. Tempcover was founded in 2009 and is currently owned by RVU (from 2022).

Tempcover is well recognized for its short-term insurance plans and is a specialized insurer in this field. Tempcover’s most common coverage choices are flexible insurance, temporary insurance, and novice driver insurance. The duration of short-term and temporary insurance coverage may vary from one hour to one month.

Estimated rates for temporary insurance via Tempcover vary from £3.50 per hour to £9.50 per hour, or roughly £27 for a full day’s coverage. This price drops to roughly £19 per day for two days of insurance and around £12 per day for a seven-day contract.

Tempcover is a top-rated vehicle insurance provider in the United Kingdom. Tempcover has a rating of 4.8 on Trustpilot. A Trustpilot rating of 4.8 out of 5 stars means that the product or service has received overwhelmingly good feedback from consumers. It indicates that the majority of consumers had a favorable experience and would suggest the product or service. The ratings on Trustpilot are based on consumer feedback. Customers may give an honest evaluation about their Tempcover experience, which assists other customers in making an educated selection.

Advantages of Tempcover vehicle insurance:

  • Flexible coverage: Tempcover allows consumers to customise their coverage to their own requirements. Customers may choose from a number of coverage levels, as well as add-ons like as breakdown and legal protection.
  • Quick and simple: Tempcover’s web system makes purchasing and managing your coverage simple.
  • Tempcover provides 24/7 customer care, making it simple to receive assistance when you need it.

Cons of Tempcover auto insurance:

  • Higher premiums: Temporary insurance might be more costly than standard policies for the same coverage.
  • There are no loyalty benefits: Many conventional insurers provide loyalty bonuses to clients who remain with them for a long time. Tempcover does not provide this service.
  • There are no discounts: Many conventional insurers give discounts for safe driving, high grades in school, or bundling numerous plans. Tempcover does not provide any of these services.

Because of its broad coverage choices, low price, and exceptional customer service, Tempcover is the finest vehicle insurance supplier. Third Party, Fire and Theft, and Comprehensive coverage are available via Tempcover, with the major benefits being cost savings and peace of mind. Furthermore, the organization provides affordable prices as well as discounts for numerous insurance and safe driving. The customer care staff is also accessible 24 hours a day, seven days a week and is recognized for offering courteous and competent assistance. Furthermore, Tempcover provides a range of payment methods to assist consumers pick the best insurance plan for their requirements. Finally, the website is straightforward to use and gives quick access to all of the company’s services and resources.

The table below contains information regarding Tempcover.

Company NameComplaint Level Handling ClaimsCustomer ServicesCustomer Loyalty Advantages
TempcoverLowGood24/7 customer serviceNone

10. Age Co

Age Co Insurance (previously Age UK Insurance) is a London, England-based insurance firm that was created in 2001. Age Co Insurance is a specialty insurer for those over the age of 50, offering a variety of customised insurance policies to meet a variety of requirements and budgets. The firm provides a variety of products, including house insurance, automobile insurance, travel insurance, and pet insurance, as well as a variety of optional extras. Age Co Insurance is a UK registered charity and a not-for-profit organization. As a non-profit organization, all revenues are reinvested in Age UK nonprofit organizations.

Age Co Insurance is well known for their auto insurance coverage and is a specialised insurer for those over the age of 50. Comprehensive and third-party fire and theft coverage are common Age Co Insurance coverage choices. Age Co Insurance seeks to provide specialised insurance coverage for those over the age of 50 by delivering a variety of high-quality products at reasonable pricing.

Age Co Insurance has an overall average insurance rate that varies by group. The average insurance rate for good drivers, intermediate drivers, and novice drivers varies. In the first quarter of 2022, the average cost of comprehensive automobile insurance in the UK was £392.

Age Co Insurance is a top-rated vehicle insurance company in the United Kingdom, with a reputation for delivering superior coverage, affordable pricing, and exceptional customer service. Age Co Insurance is a subsidiary of Aviva, a significant supplier of insurance in the United Kingdom. Age Co got 1042 general insurance complaints in 2021, resulting in an Insurance Complaints per 1000 Policies in Force ratio of 0.92.

Advantages of Age Co vehicle insurance:

  • Discounts: Age Co provides a variety of discounts that will help you save money on your premiums. Discounts for having an excellent driving record, no claims incentive, and further discounts for people over 50 are some examples.
  • Age Co provides various payment options, enabling consumers to select how they pay their premiums. Customers may pay monthly, quarterly, or yearly, based on their specific needs.
  • Expert advice: Age Co offers a staff of skilled and qualified consultants that can assist you with auto insurance. Age Co has a dedicated customer care staff that is always available to answer any questions consumers have.

Cons of Age Co auto insurance:

  • Premiums are often higher for Age Co car insurance than for other forms of vehicle insurance. This is due to the fact that they specialize in providing coverage for elderly drivers.
  • Age Co has limited coverage alternatives, so you may not be able to receive the precise coverage that you want.
  • Lack of coverage versatility: Age Co does not provide much coverage flexibility. Once you’ve decided on a policy, you’re stuck with it. If your requirements change, you may need to locate a new insurance.

Age Co is the greatest vehicle insurance company because of its excellent customer service, extensive coverage choices, and comprehensive coverage plans. Extend on certain places. Age Co offers comprehensive and third-party insurance, with the major benefits being financial protection and comfort of mind. Furthermore, Age Co offers some of the industry’s most comprehensive coverage options, which include liability protection and accident compensation. Finally, Age Co provides among of the market’s most competitive rates, which may help consumers save money on their premiums.

The table below contains information on Age Co.

Company NameComplaint Level Handling ClaimsCustomer ServicesCustomer Loyalty Advantages
Age Co Insurance0.92 per 1000 policiesGoodClaims support, online quotesRenewal discounts

Best Car Insurance Companies in the UK and Their Rates

The table below compares the best vehicle insurance providers in the UK and their pricing. The table provides information on the firm name, their history and years of expertise, and the number of active customers, allowing you to determine which vehicle insurance is best for you.

Best Car Insurance CompaniesYears of ExperienceActive Customer Count
Saga72~2,700,000
CSIS134Unknown
Direct Line38~811,000
Admiral Group32~1,000,000
NFU Mutual113~900,000
By Miles7Unknown
Veygo7Unknown
LV=180~1,600,000
Tempcover14Unknown
Age Co22Unknown