What Is The Best Car Insurance?

The best car insurance is a necessity that will help to protect drivers from financial burdens caused by damaged cars, damaging another driver’s vehicle, injuring someone while driving and so much more. When deciding on a car to purchase the main question asked by drivers is ‘What insurance should they get’

There are so many car insurance providers to choose from across the UK, it is no wonder why drivers become overwhelmed. Although used car ni insurance can be expensive, it doesn’t mean that drivers have to lose out on great cover in order to get a cheaper price. To help car buyers to make the best choice for their insurance, the team at Carlover have made a list of insurance providers in 2021.

What Type of Car Insurance Is Available In The UK?

Within the UK there are three levels of car insurance available. These include:

Third Party Insurance:

This car insurance only covers car damages or injuries to third parties. This insurance won’t cover theft or damage to your car that has been caused by collision, fire, theft or attempted theft. This insurance is the minimum level of insurance coverage that is required by law.

Third Party, Fire and Theft Insurance: 

This is the mid level of car insurance available within the UK. It provides coverage that is offered by the minimum third party policy, alongside cover for damages to your car or losing your car due to theft or fire. However this insurance won’t cover you if your car has been damaged in an accident.

Comprehensive Car Insurance Insurance:

This is the car insurance that you can buy in the UK. It covers everything offered within the Third Party, Fire and Theft policy alongside damages that have been caused due to an at-fault collision to your car, even if the car is a complete write off.

Best Car Insurance Companies In UK

The team at Carlover have created a list of the top 5 insurance providers across the UK to help you choose a policy that will offer you more than just a competitive price.

  1. Direct Line

Direct Line is well known for its outstanding customer service and great reputation amongst drivers. They offer third party only, third party fire and theft, and comprehensive insurance, with solutions that are affordable compared to other insurance providers and are high in quality. Direct Line also offers a number of extras that drivers may find useful, including Onward Travel Service. This is where they will organise a taxi to take drivers, their passengers, pets and belongings to your desired destination if your journey has been affected by an accident.

  1. Admiral

Admiral is an insurance provider based in the UK who specialise in car insurance. Admiral’s car insurance coverage is split into three different levels. These include third party only, third party fire and theft, and comprehensive. If you decide that Admiral is the insurance is the best provider, we recommend an option for comprehensive cover and this will offer you the most coverage. 

  1. Hastings

Hastings is one of the UKs top general insurance providers. They offer three different policy options to choose from. This includes their Direct and Premier policies and if you are looking for something more basic there is an Essential policy available. Hastings also offers optional extras that you can add to your policy, including key protection, breakdown, motor legal expenses and enhanced personal accident cover.

  1. Churchill

Churchill was founded in 1989 and is recognised as one of the first car insurance providers in the UK. They offer drivers a 24 hour helpline, a courtesy car, new vandalism promise and guaranteed repairs for five years if the car owner uses the Chuchill-approved repairers. Churchill also allows their customers to choose either a replacement car, an upgrade or money if their car is written off. This insurance provider is popular amongst young drivers as it offers an affordable DriveSure telematics policy that is designed to get young drivers on the road safely at a low price.

  1. Age Co

Age Co is well known for offering financial products and services to customers over the age of 50. They offer car insurance, home insurance, funeral plans and independent living solutions. The Age Co car insurance policies are split into insurance for the over 60s, the over 70s and the over 80s. Drivers can choose between third party only, third party fire and theft, and comprehensive coverage. 

Age Co has a number of benefits for its policyholders, including a message relay service that will allow drivers to contact a friend or family after an accident, coverage to permanently fit audio equipment, a ‘Get You Home’ service, unlimited windscreen cover, breakdown cover, and European cover for up to 180 days of the year.

They also offer a number of optional extras, including key protection, excess protection, and motor legal protection coverage. Knowing what insurance provider to go with can be confusing as there is a range to choose from across the UK.

If you would like to discuss more in depth about the insurance providers we mentioned above and which company would suit you the best, get in touch with a member of the Carlover team today. Alternatively you can drop into one of our dealerships that are located across Northern Ireland.