www.which.co.uk Open in urlscan Pro
143.204.215.89  Public Scan

Submitted URL: http://click.mail.which.co.uk/?qs=9af60061dec5849347d637938251e32e42f76ee5bfd50554db9df0af4547c1b385a8c9bc65a6d084f06d14dbca72...
Effective URL: https://www.which.co.uk/money/insurance/car-insurance/car-insurance/best-and-worst-car-insurance-a3PuA5f3sB6q?utm_medium...
Submission: On March 13 via manual from GB — Scanned from GB

Form analysis 2 forms found in the DOM

https://search.which.co.uk/search

<form class="b_hm" action="https://search.which.co.uk/search" data-which-id="gn-search-menu-form"><input type="hidden" name="asug"> <input type="hidden" name="mainresult" value="mainresult:yes"> <input type="hidden" name="intcmp" value="GNH-Search">
  <input class="b_hw" type="search" name="w" data-provide="rac" autocomplete="off" id="sli_search_1" placeholder="Search all of Which? for product reviews, consumer services and expert advice" data-which-id="gn-search-menu-search-input"> <button
    class="b_hy" type="submit" data-which-id="gn-search-menu-search-button">Search</button></form>

<form>
  <div class="NewsletterSignUpForm_newsletterFormName__1DS_w">
    <div class="FormField__formField--3eozv NewsletterSignUpForm_firstName__gb-Qx">
      <div class="FormField__formFieldWrapper--3NdtV">
        <div class="FormField__formFieldLabelWrapper--1Cnws"><label class="sbui-1wr78g2 FormField__formFieldLabel--2wJHL" for="firstName" aria-label="First name (required)">First name (required)</label></div>
        <div class="Input__wrapper--2QFFv"><input class="sbui-1w8mrwc NewsletterSignUpForm_firstName-input__3n62D" data-testid="input-firstName" id="firstName" name="firstName" placeholder="" type="text" aria-invalid="false" value=""></div>
      </div>
    </div>
    <div class="FormField__formField--3eozv NewsletterSignUpForm_lastName__3-v6p">
      <div class="FormField__formFieldWrapper--3NdtV">
        <div class="FormField__formFieldLabelWrapper--1Cnws"><label class="sbui-1wr78g2 FormField__formFieldLabel--2wJHL" for="lastName" aria-label="Last name (required)">Last name (required)</label></div>
        <div class="Input__wrapper--2QFFv"><input class="sbui-1w8mrwc NewsletterSignUpForm_lastName-input__1E64s" data-testid="input-lastName" id="lastName" name="lastName" placeholder="" type="text" aria-invalid="false" value=""></div>
      </div>
    </div>
  </div>
  <div class="FormField__formField--3eozv NewsletterSignUpForm_email__2NK0t">
    <div class="FormField__formFieldWrapper--3NdtV">
      <div class="FormField__formFieldLabelWrapper--1Cnws"><label class="sbui-1wr78g2 FormField__formFieldLabel--2wJHL" for="email" aria-label="Email address (required)">Email address (required)</label></div>
      <div class="Input__wrapper--2QFFv"><input class="sbui-1w8mrwc NewsletterSignUpForm_email-input__Vmk_9" data-testid="input-email" id="email" name="email" placeholder="" type="email" aria-invalid="false" value=""></div>
    </div>
  </div>
  <div class="FormField__formField--3eozv NewsletterSignUpForm_postcode__1JU5R">
    <div class="FormField__formFieldWrapper--3NdtV">
      <div class="FormField__formFieldLabelWrapper--1Cnws"><label class="sbui-1wr78g2 FormField__formFieldLabel--2wJHL" for="postcode" aria-label="Postcode (optional)">Postcode (optional)</label><span data-testid="main-container"
          class="TooltipWithButton__mainContainer--ntwDV FormField__tooltip--1hL87"><button data-testid="info-button" class="TooltipWithButton__infoContainer--3jmsu" aria-label="More about tooltip"><svg aria-hidden="true"
              class="sbui-iw5qy1 TooltipWithButton__info--3qWKc" data-testid="info-icon" focusable="false" height="13" tabindex="-1" viewBox="0 0 5 13" width="5" xmlns="http://www.w3.org/2000/svg">
              <g data-testid="icon-info" fill="none" fill-rule="evenodd" stroke="none" stroke-width="1">
                <path d="M0 4.5h3.5v6h1v2H0v-2h1v-4H0z" fill="#0050b3" fill-rule="nonzero"></path>
                <path d="M0.5 1.5a1.5 1.5 0 1 0 3 0a1.5 1.5 0 1 0 -3 0" fill="#0050b3" fill-rule="nonzero"></path>
              </g>
            </svg></button></span></div>
      <div class="Input__wrapper--2QFFv"><input class="sbui-1w8mrwc NewsletterSignUpForm_postcode-input__f8MuQ" data-testid="input-postcode" id="postcode" name="postcode" placeholder="" type="text" aria-invalid="false" value=""></div>
    </div>
  </div><button class="sbui-i1amuc-primary-button-disabled NewsletterSignUpForm_signUpButton__3rnh1" type="submit" data-testid="sign-up-button">Get the newsletter</button>
</form>

Text Content

 * Skip to main content
 * Skip to search

Go to Which? homepage
 * Go to Which? homepage
 * Cost of living help
   
   
   COST OF LIVING HELP
   
    * News and advice
      
      
      NEWS AND ADVICE
      
       * * Energy saving and bills
           
           ENERGY SAVING AND BILLS
           
            * How to save on energy bills
            * Government energy help explained
         
         * Mortgages and rent
           
           MORTGAGES AND RENT
           
            * What to do if you can't pay your mortgage
            * What to do if you can't pay your rent
         
         * Money-saving tips
           
           MONEY-SAVING TIPS
           
            * 10 ways to save on mobile bills
            * 10 ways to save on broadband and TV bills
            * 17 ways to save on bills and living costs
       * * Save on essentials
           
           SAVE ON ESSENTIALS
           
            * Cheapest supermarkets
            * Spend less at the supermarket
            * Save on fuel
         
         * Price comparison services
           
           PRICE COMPARISON SERVICES
           
            * Compare gas and electricity suppliers
            * Compare broadband packages
            * Compare mobile phone contracts
            * Compare car insurance
            * Compare home insurance
            * Compare credit card offers
            * Compare loan deals
       * * Personalised money-saving tips - free tool
           
           PERSONALISED MONEY-SAVING TIPS - FREE TOOL
         
         * Our cost of living campaign
           
           OUR COST OF LIVING CAMPAIGN
         
         * All cost of living news and advice
           
           ALL COST OF LIVING NEWS AND ADVICE
      
      
       * GET THINGS DONE
         
          * Money newsletter
            
            Be more money savvy – get a firmer grip on your finances with our
            expert tips - free weekly.
         
          * Which? Money podcast
            
            A weekly round up of the latest money news, tips and advice to help
            protect your pocket.
         
          * My Money Health Check
            
            Answer a few simple questions about your personal spending habits
            and our free tool will show you where you can cut your costs.

 * Technology
   
   
   TECHNOLOGY
   
    * TV & home entertainment
      
      
      TV & HOME ENTERTAINMENT
      
       * * Televisions
         * Soundbars
         * PVRs & set-top boxes
         * Aerials
         * Blu-ray DVD players
         * TV streamers
         * TV providers
      
      
       * GET THINGS DONE
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.
         
          * Know your rights - shopping
            
            Find out where you stand with Which? Consumer Rights.
   
    * Computing
      
      
      COMPUTING
      
       * * Laptops
         * Tablets
         * Printers
         * Computer monitors
         * Antivirus software packages
         * Wi-fi routers and extenders
         * Desktop PCs
         * VPN software
         * Best broadband providers
         * Broadband providers
         * Ebook readers
         * Shredders
         * Office chairs
         * Gaming equipment
         * Which? Tech Support
      
      
       * GET THINGS DONE
         
          * Which? Tech Support
            
            Contact the helpline for jargon-free technical support.
         
          * Trouble shooting tips
            
            Simple tutorials on our tech advice website.
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.
   
    * Cameras
      
      
      CAMERAS
      
       * * Digital cameras
         * DSLR cameras
         * Mirrorless cameras
         * Bridge cameras
      
      
       * GET THINGS DONE
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.
         
          * Know your rights - shopping
            
            Find out where you stand with Which? Consumer Rights.
   
    * Audio
      
      
      AUDIO
      
       * * Radios
         * Headphones
         * Mini hi-fi systems
         * Wireless, smart & Bluetooth speakers
         * Record players and turntables
         * Music streaming
      
      
       * GET THINGS DONE
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.
         
          * Know your rights - shopping
            
            Find out where you stand with Which? Consumer Rights.
   
    * Phones
      
      
      PHONES
      
       * * Mobile phones
         * Cordless phones
         * Simple mobile phones
         * Mobile phone providers
         * Portable power bank chargers
      
      
       * GET THINGS DONE
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.
         
          * Know your rights - broadband, phone & TV
            
            Find out where you stand with Which? Consumer Rights.
   
    * Car technology
      
      
      CAR TECHNOLOGY
      
       * * Sat navs
         * Dash cams
      
      
       * GET THINGS DONE
         
          * Know your rights - cars
            
            Find out where you stand with Which? Consumer Rights.
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.
   
    * Wearable technology
      
      
      WEARABLE TECHNOLOGY
      
       * * Smartwatches
         * Fitness trackers
      
      
       * GET THINGS DONE
         
          * Know your rights - shopping
            
            Find out where you stand with Which? Consumer Rights.
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.
   
    * Broadband, mobile & TV services
      
      
      BROADBAND, MOBILE & TV SERVICES
      
       * * Broadband providers
         * Best broadband providers
         * Broadband speed test
         * Broadband deals
         * Mobile phone providers
         * TV providers
         * How to switch broadband provider
         * Compare and choose mobile contract
      
      
       * GET THINGS DONE
         
          * Solve your tech problems
            
            Contact the Which? Tech Support Helpline for jargon-free technical
            support
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.
         
          * Know your rights - broadband, phone & TV services
            
            Find out where you stand with Which? Consumer Rights.
   
    * Smart homes and gadgets
      
      
      SMART HOMES AND GADGETS
      
       * * Burglar alarms and smart security systems
         * Wireless security cameras
         * Smart speakers and smart displays
         * Smart thermostats
         * Smart radiator valves
         * Smart video doorbells
         * Smart plugs
      
      
       * GET THINGS DONE
         
          * Switch energy company
            
            It's easy to compare and switch suppliers with Which? Switch.
         
          * Know your rights - energy
            
            Find out where you stand with Which? Consumer Rights.
         
          * Technology newsletter
            
            Get our free monthly Tech newsletter for expert advice, news, deals
            and stuff the manuals don’t tell you.

 * Home & garden
   
   
   HOME & GARDEN
   
    * Kitchen
      
      
      KITCHEN
      
       * * Refrigeration appliances
           
           REFRIGERATION APPLIANCES
           
            * Fridge freezers
            * Fridges
            * Freezers
            * Wine coolers
         
         * Cookers & ovens
           
           COOKERS & OVENS
           
            * Built-in ovens
            * Freestanding cookers
            * Range cookers
            * Hobs
            * Venting hobs
            * Cooker hoods
            * Microwaves
         
         * Dishwashing
           
           DISHWASHING
           
            * Dishwashers
            * Dishwasher tablets
       * * Kettles & coffee makers
           
           KETTLES & COFFEE MAKERS
           
            * Coffee machines
            * Kettles
            * Hot water taps
            * Coffee grinders
            * Milk frothers
            * Coffee pods
         
         * Mixers, blenders & juicers
           
           MIXERS, BLENDERS & JUICERS
           
            * Food processors
            * Stand mixers
            * Blenders
            * Hand blenders
            * Juicers
       * * Small kitchen appliances
           
           SMALL KITCHEN APPLIANCES
           
            * Toasters
            * Bread makers
            * Air fryers
            * Slow cookers
            * Pressure cookers
            * Soup makers
            * Rice cookers
            * Toastie makers
            * Ice cream makers
            * Waffle makers
            * Electric grills
            * Deep-fat fryers
         
         * Kitchen accessories & storage
           
           KITCHEN ACCESSORIES & STORAGE
           
            * Steam cleaners
            * Food and drink storage
            * Cookware
            * Kitchen knives
            * Kitchen utensils
      
      
       * GET THINGS DONE
         
          * Find the right trader
            
            Get the job done with a choice of thousands of endorsed Which?
            Trusted Traders.
         
          * Compare gas and electricity suppliers
            
            It's easy to compare and switch suppliers with Which? Switch.
         
          * Know your rights - Home appliances
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly
   
    * Bedroom
      
      
      BEDROOM
      
       * * Adjustable beds
         * Mattress toppers
         * Pillows
         * Duvets
         * Mattresses
         * Electric blankets and heated throws
      
      
       * GET THINGS DONE
         
          * Know your rights - Shopping
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly
   
    * Bathroom
      
      
      BATHROOM
      
       * * Planning a bathroom
         * Bathroom brands
         * Electric showers
         * Water-saving shower heads
         * Electric toothbrushes
         * Electric shavers
         * Bathroom scales
      
      
       * GET THINGS DONE
         
          * Find the right trader
            
            Get the job done with a choice of thousands of endorsed Which?
            Trusted Traders.
         
          * Know your rights - Shopping
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly
   
    * Garden & outdoors
      
      
      GARDEN & OUTDOORS
      
       * * Gardening tools
           
           GARDENING TOOLS
           
            * Lawn mowers
            * Robot lawn mowers
            * Grass trimmers and strimmers
            * Hedge trimmers
            * Chainsaws
            * Pressure washers
            * Leaf blowers
            * Garden shredders
         
         * Help to grow
           
           HELP TO GROW
           
            * Compost
            * Controlled release fertilisers
            * Greenhouses
            * Sheds
            * Cat repellents
            * Gardening for wildlife
            * Garden equipment
       * * What to grow
           
           WHAT TO GROW
           
            * Gardening through the year
            * Grow your own
            * Plants
         
         * Outdoor living
           
           OUTDOOR LIVING
           
            * Barbecues
            * Pizza ovens
            * Artificial grass
            * Hot tubs
            * Fire pits
            * Garden furniture
         
         * Outdoor activities
           
           OUTDOOR ACTIVITIES
           
            * Outdoor clothing
            * Outdoor accessories
            * Binoculars
      
      
       * GET THINGS DONE
         
          * Gardening newsletter
            
            Our free monthly newsletter shows you what to do to make more of
            your garden.
         
          * Try Which? Gardening
            
            Make the most of your garden for only £4.99 a month.
         
          * Gardening Helpdesk
            
            Find simple solutions to your gardening questions.
   
    * Laundry & floorcare
      
      
      LAUNDRY & FLOORCARE
      
       * * Laundry
           
           LAUNDRY
           
            * Washing machines
            * Washer dryers
            * Washing powder and laundry detergent
            * Tumble dryers
            * Steam irons
            * Clothes steamers
            * Sewing machines
            * Clothes airers
         
         * Vacuums & floorcare
           
           VACUUMS & FLOORCARE
           
            * Vacuum cleaners
            * Cordless vacuums
            * Handheld vacuums
            * Robot vacuums
            * Carpet cleaners
            * Steam cleaners
      
      
       * GET THINGS DONE
         
          * Find the right trader
            
            Get the job done with a choice of thousands of endorsed Which?
            Trusted Traders.
         
          * Switch energy company
            
            It's easy to compare and switch suppliers with Which? Switch.
         
          * Know your rights - Home appliances
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly
   
    * Heating, energy & air treatment
      
      
      HEATING, ENERGY & AIR TREATMENT
      
       * * Heating
           
           HEATING
           
            * Boilers
            * Boiler cover
            * Smart thermostats
            * Carbon monoxide detectors
            * Electric blankets and heated throws
            * Electric fans
            * Electric heaters
            * Gas and electric fires and stoves
            * Wood burning stoves
            * Home heating systems
            * Underfloor heating systems
            * Heating oil
         
         * Air treatment
           
           AIR TREATMENT
           
            * Dehumidifiers
            * Humidifiers
            * Air conditioners
            * Air purifiers
       * * Energy bills
           
           ENERGY BILLS
           
            * Energy companies
            * Saving money on your energy bills
            * Smart meters
            * Feed-in tariffs explained
            * Home grants
         
         * Generating your own energy
           
           GENERATING YOUR OWN ENERGY
           
            * Solar panels
            * Generators
            * Ground and air source heat pumps
      
      
       * GET THINGS DONE
         
          * Find the right trader
            
            Get the job done with a choice of thousands of endorsed Which?
            Trusted Traders.
         
          * Compare gas and electricity suppliers
            
            It's easy to compare and switch suppliers with Which? Switch.
         
          * Know your rights - home appliances
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly
   
    * Household essentials
      
      
      HOUSEHOLD ESSENTIALS
      
       * * Batteries
         * Rechargeable batteries
         * Light bulbs
         * Dishwasher tablets
         * Laundry detergent
         * Drain unblockers
      
      
       * GET THINGS DONE
         
          * Know your rights - Shopping
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly
   
    * Shopping, food & drink
      
      
      SHOPPING, FOOD & DRINK
      
       * * Shopping
           
           SHOPPING
           
            * Online shopping
            * Best and worst shops
            * Supermarkets
            * Pets
            * Black Friday
            * Shopping sustainably
            * Boxing Day sales
            * January sales
            * Christmas
         
         * Food and drink
           
           FOOD AND DRINK
           
            * Best food and drink
            * Coffee pods
      
      
       * GET THINGS DONE
         
          * Know your rights - Shopping
            
            Find out where you stand with Which? Consumer Rights.
         
          * Food & Health newsletter
            
            Our free monthly Food & Health newsletter can help you shop savvy,
            eat well and stay healthy.
   
    * Home improvements
      
      
      HOME IMPROVEMENTS
      
       * * Renovating your home
           
           RENOVATING YOUR HOME
           
            * Fitted kitchens
            * Bathrooms
            * Loft conversions
            * Extensions
            * Conservatories
            * Insulation
            * Double glazing
            * Home grants
            * Wood burning stoves
            * Underfloor heating systems
            * Gas and electric fires and stoves
         
         * Furniture and fittings
           
           FURNITURE AND FITTINGS
           
            * Sofas
            * Wood flooring
            * Fitted bedroom furniture
            * Carpets
            * Working from home
            * Office chairs
       * * DIY and home maintenance
           
           DIY AND HOME MAINTENANCE
           
            * Decorating and DIY
            * Best DIY shops
            * Damp
            * Finding a tradesperson
      
      
       * GET THINGS DONE
         
          * Find the right trader
            
            Get the job done with a choice of thousands of endorsed Which?
            Trusted Traders.
         
          * Switch energy supplier
            
            Save some money or get a better service with Which? Switch.
         
          * Know your rights - Home & property
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly
   
    * Home security & safety
      
      
      HOME SECURITY & SAFETY
      
       * * Burglar alarms and smart security systems
         * Smoke alarms
         * Carbon monoxide detectors
         * Wireless security cameras
         * Baby monitors
         * Stair gates
      
      
       * GET THINGS DONE
         
          * Find the right trader
            
            Get the job done with a choice of thousands of endorsed Which?
            Trusted Traders.
         
          * Know your rights - Home & property
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly
   
    * Health & personal care
      
      
      HEALTH & PERSONAL CARE
      
       * * Healthcare products
           
           HEALTHCARE PRODUCTS
           
            * Pulse oximeters
            * Face masks and coverings
            * Sun creams
            * Blood pressure monitors
            * Hearing aids advice
            * Painkillers
            * Hand sanitisers
            * Vitamin D
         
         * Health services and care
           
           HEALTH SERVICES AND CARE
           
            * Covid health services
            * Dentists
            * Opticians stores
            * Laser eye surgery
            * Later life care
       * * Personal care
           
           PERSONAL CARE
           
            * Beauty
            * Electric toothbrushes
            * Electric shavers
            * Hair dryers
            * Bathroom scales
            * Period products
         
         * Fitness and wellbeing
           
           FITNESS AND WELLBEING
           
            * Exercise equipment
            * Exercise bikes
            * Fitness trackers
            * Nutrition and supplements
      
      
       * GET THINGS DONE
         
          * Know your rights - Shopping
            
            Find out where you stand with Which? Consumer Rights.
         
          * Food & Health newsletter
            
            Our free monthly Food & Health newsletter can help you shop savvy,
            eat well and stay healthy.
   
    * Mobility & disability aids
      
      
      MOBILITY & DISABILITY AIDS
      
       * * Mobility scooters
         * Riser recliner chairs
         * Stairlifts
         * Adjustable beds
         * Hearing aids advice
         * Staying independent at home
         * Assistive technology
         * Mobility equipment
      
      
       * GET THINGS DONE
         
          * Learn about later life care
            
            Get free, practical guidance on care choices and how to finance them
            with Which? Later Life Care.
         
          * Know your rights - Shopping
            
            Find out where you stand with Which? Consumer Rights.
         
          * Home newsletter
            
            Inspiring tips for improving the place you live in. Get our Home
            newsletter – it's free monthly

 * Money
   
   
   MONEY
   
    * Mortgages & property
      
      
      MORTGAGES & PROPERTY
      
       * * First-time buyers
         * Home movers
         * Mortgages
         * Buy-to-let
         * Renting a home
         * New-build homes
         * Mortgage calculators
      
      
       * GET THINGS DONE
         
          * Compare estate agents
            
            Find the best high-street estate agents by comparing their past
            performance and fees.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Tax
      
      
      TAX
      
       * * Income tax
         * Saving on tax
         * National insurance
         * Capital gains tax
         * Inheritance tax
         * Tax credits & benefits
         * Council tax
         * Small business tax
         * Tax calculator
      
      
       * GET THINGS DONE
         
          * Get help with money matters
            
            Expert, unbiased information and guidance to help make the best
            financial decisions.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Savings & Isas
      
      
      SAVINGS & ISAS
      
       * * Saving your money
           
           SAVING YOUR MONEY
           
            * Savings accounts explained
            * Isas explained
      
      
       * GET THINGS DONE
         
          * Get help with money matters
            
            Expert, unbiased information and guidance to help make the best
            financial decisions.
         
          * Know your rights - money
            
            Find out where you stand with Which? Consumer Rights.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Credit cards & loans
      
      
      CREDIT CARDS & LOANS
      
       * * Borrowing money
           
           BORROWING MONEY
           
            * Credit cards explained
            * Loans
            * Credit reports
            * How to deal with debt
            * Compare credit card offers
            * Compare loan deals
      
      
       * GET THINGS DONE
         
          * Get help with money matters
            
            Call the Which? Money Helpline for guidance on everything from tax
            to travel insurance.
         
          * Know your rights - money
            
            Find out where you stand with Which? Consumer Rights.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Insurance
      
      
      INSURANCE
      
       * * Car insurance
         * Home & mobile insurance
         * Travel insurance
         * Pet insurance
         * Life insurance
         * Health insurance
         * Dental insurance
         * Funeral plans
         * Wedding insurance
         * Legal expenses insurance
      
      
       * GET THINGS DONE
         
          * Get help with money matters
            
            Call the Which? Money Helpline for guidance on everything from tax
            to travel insurance.
         
          * Smart protection, tailored to you.
            
            Get the right life insurance, income protection or critical illness
            policy from Which? Insurance Advisers
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Pensions & retirement
      
      
      PENSIONS & RETIREMENT
      
       * * Starting to plan your retirement
         * State pension
         * Company pensions
         * Personal pensions
         * Options for cashing in your pensions
         * You're retired: working on, benefits, equity release
         * Retiring abroad
         * Financing later life care
      
      
       * GET THINGS DONE
         
          * Get help with money matters
            
            Expert, unbiased information and guidance to help make the best
            financial decisions.
         
          * Know your rights - pensions
            
            Find out where you stand with Which? Consumer Rights.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Banking
      
      
      BANKING
      
       * * Current accounts
         * Student and graduate bank accounts
         * Switching your bank
         * Best bank accounts
         * Banking security and payment methods
      
      
       * GET THINGS DONE
         
          * Get help with money matters
            
            Call the Which? Money Helpline for guidance on everything from tax
            to travel insurance.
         
          * Know your rights - money
            
            Find out where you stand with Which? Consumer Rights.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Money-saving tips
      
      
      MONEY-SAVING TIPS
      
       * * How to budget
         * Save money
         * Getting a great deal
         * How to make money
         * Broadband deals
         * Saving money on your energy bills
         * Feed-in tariffs explained
         * Renewable heat incentive
         * Home grants
      
      
       * GET THINGS DONE
         
          * Switch energy company
            
            Save some money or get a better service with Which? Switch.
         
          * Get help with money matters
            
            Call the Which? Money Helpline for guidance on everything from tax
            to travel insurance.
         
          * Know your rights - money
            
            Find out where you stand with Which? Consumer Rights.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Investing
      
      
      INVESTING
      
       * * Learn how investing works
         * Stock and shares Isas
         * Types of investment
         * Financial advice
      
      
       * GET THINGS DONE
         
          * Get help with money matters
            
            Expert, unbiased information and guidance to help make the best
            financial decisions.
         
          * Know your rights - money
            
            Find out where you stand with Which? Consumer Rights.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * Wills & probate
      
      
      WILLS & PROBATE
      
       * * Power of attorney
         * Probate
         * Wills
         * End of life
      
      
       * GET THINGS DONE
         
          * Write your will online
            
            Make your will online with Which? Wills - it's quick, easy, and
            affordable.
         
          * Get help with money matters
            
            Call the Which? Money Helpline for guidance on everything from tax
            to travel insurance.
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * University and student finance
      
      
      UNIVERSITY AND STUDENT FINANCE
      
       * * Student finance
         * Student money and budgeting
      
      
       * COST OF LIVING
         
          * Free help and advice
            
            Navigate rising costs with our free money saving tips
   
    * More from Which? Money
      
      
      MORE FROM WHICH? MONEY
      
       * * Which? Money membership
         * Sign up for our free money newsletter
         * Listen to The Which? Money Podcast

 * Baby & child
   
   
   BABY & CHILD
   
    * Baby transport
      
      
      BABY TRANSPORT
      
       * * Child car seats
         * Pushchairs
         * Baby carriers and baby slings
      
      
       * GET THINGS DONE
         
          * Know your rights - parenting
            
            Find out where you stand with Which? Consumer Rights.
   
    * Nursery & feeding
      
      
      NURSERY & FEEDING
      
       * * Feeding and changing
           
           FEEDING AND CHANGING
           
            * High chairs
            * Breast pumps
            * Formula milk
            * Baby feeding products
            * Nappies
       * * Nursery and bedtime
           
           NURSERY AND BEDTIME
           
            * Cot beds
            * Travel cots
            * Cot mattresses
      
      
       * GET THINGS DONE
         
          * Know your rights - parenting
            
            Find out where you stand with Which? Consumer Rights.
   
    * Baby and child safety
      
      
      BABY AND CHILD SAFETY
      
       * * Baby monitors
         * Stair gates
         * Digital thermometers
         * First aid
         * Calpol and pain relief
         * Head lice and nits
      
      
       * GET THINGS DONE
         
          * Know your rights - parenting
            
            Find out where you stand with Which? Consumer Rights.
   
    * Shopping & family finances
      
      
      SHOPPING & FAMILY FINANCES
      
       * * Shopping for your baby or child
           
           SHOPPING FOR YOUR BABY OR CHILD
           
            * Toys
            * Baby products you need
            * Baby feeding products
         
         * Family finances
           
           FAMILY FINANCES
           
            * Tax credits & benefits
            * Life insurance
      
      
       * GET THINGS DONE
         
          * Get help with money matters
            
            Call the Which? Money Helpline for guidance on everything from tax
            to travel insurance.
         
          * Know your rights - parenting
            
            Find out where you stand with Which? Consumer Rights.
   
    * Pregnancy & birth
      
      
      PREGNANCY & BIRTH
      
       * * Birthing options
         * Scans, appointments & classes
      
      
       * GET THINGS DONE
         
          * Know your rights - parenting
            
            Find out where you stand with Which? Consumer Rights.

 * Consumer Rights & Campaigns
   
   
   CONSUMER RIGHTS & CAMPAIGNS
   
    * Consumer Rights
      
      
      CONSUMER RIGHTS
      
       * * Broadband, Phone & TV
         * Cars
         * Education
         * Energy
         * Health
         * Home & Property
         * Insurance
         * Legal
         * Leisure & events
         * Mobile Phones
         * Money
         * Mortgages
         * Scams
         * Shopping
         * Travel
         * Regulations
         * Personal Data
      
      
       * GET THINGS DONE
         
          * Template letters
            
            Our legal experts have created scores of template complaint letters
            to help you get results.
         
          * Regulations
            
            Guides to key consumer legislation to help you get results if things
            go wrong.
   
    * Campaigns
      
      
      CAMPAIGNS
      
       * * Affordable food for all
           
           We need to see action from the big supermarkets - including clear
           pricing, better access to budget ranges that enable healthy choices
           and more offers for those in need.
         
         * Stamp out scams
           
           Scammers are stealing hundreds of £millions from innocent victims
           every year, bombarding us with fraudulent texts, emails and calls.
           And not all banks are reimbursing innocent victims of scams – we’re
           demanding the government make it compulsory.
      
       * * Fix bad broadband
           
           Broadband is an essential part of modern life. Yet the service many
           of us get simply isn’t good enough. Are you getting the broadband
           speed you were promised? Use our tool to find out.
         
         * Make tech giants take responsibility
           
           Tech companies aren’t doing enough to protect us online from scams,
           dangerous products and fake reviews. We’re demanding strong new laws
           that make tech giants do better.
      
       * * Transform Travel
           
           We’re calling for a major overhaul of the travel industry. The
           appalling way airlines have treated passengers by repeatedly
           cancelling flights last minute and not telling them about their
           rights is unacceptable.

 * Cars & travel
   
   
   CARS & TRAVEL
   
    * Cars
      
      
      CARS
      
       * * Car reviews
           
           CAR REVIEWS
           
            * All car reviews
            * City cars
            * Small cars
            * Medium cars
            * Medium estate cars
            * Large cars
            * Large estate cars
            * Compact & small SUVs
            * Medium & large SUVs
            * MPVs
            * Sports cars
       * * Car buying advice
           
           CAR BUYING ADVICE
           
            * Best Buy cars
            * Where to buy a car
            * Most reliable cars
            * Petrol vs diesel
            * Breakdown providers
            * Electric cars
            * Hybrid cars
            * All car advice
         
         * Car tools
           
           CAR TOOLS
           
            * Petrol vs diesel calculator
            * PS, kW and bhp converter
            * BAR to PSI converter
            * Litres to gallons converter
       * * How to
           
           HOW TO
           
            * Buy a new car
            * Buy a used car
            * Sell a car
            * Get the best deal
            * Test drive a used car
            * Find a good garage
            * Pass an MOT
            * Save money on driving
            * Change a tyre
            * Remove a scratch
            * Find car insurance
      
      
       * GET THINGS DONE
         
          * Step-by-step legal guidance on cars and motoring
            
            Sign up to Which? Legal for full telephone support from our experts
            to put you on the right track.
         
          * Know your rights - cars
            
            Find out where you stand with Which? Consumer Rights.
         
          * Cars newsletter
            
            Drive smarter and cut costs using our expert advice. Get our Cars
            newsletter – it's free monthly
   
    * Travel
      
      
      TRAVEL
      
       * * Travel & transport
           
           TRAVEL & TRANSPORT
           
            * Airlines
            * Airports
            * Cruise lines
            * River cruises
            * Car hire
            * Trains
            * Motorway service stations
         
         * Travel product reviews
           
           TRAVEL PRODUCT REVIEWS
           
            * Suitcases
            * Cabin bags
            * Sun creams
            * Binoculars
            * Outdoor accessories
            * Outdoor clothing
            * Tents
       * * Destinations & hotels
           
           DESTINATIONS & HOTELS
           
            * UK destinations
            * Overseas destinations
            * UK hotel chains
            * UK hotel reviews
            * Holiday cottage company reviews
         
         * Planning your trip
           
           PLANNING YOUR TRIP
           
            * Travel agents
            * Travel money
            * Travel health
            * Travel during Covid-19
            * Travel insurance
       * * Bikes and scooters
           
           BIKES AND SCOOTERS
           
            * Electric bikes
            * Electric folding bikes
            * Bike accessories
            * Electric scooters
      
      
       * GET THINGS DONE
         
          * Step-by-step legal guidance on travel
            
            Sign up to Which? Legal for clear, step-by-step advice on problems
            big and small.
         
          * Know your rights - travel
            
            Find out where you stand with Which? Consumer Rights.
         
          * Travel newsletter
            
            Our free monthly newsletter can help you plan better holidays with
            insider advice, money-saving tips and destination inspiration.

 * Services
   
   
   SERVICES
   
    * * Consumer advice
        
        
        CONSUMER ADVICE
        
         * Which? Scam Alerts
         * Which? Trusted Traders
      
      * Price comparison services
        
        
        PRICE COMPARISON SERVICES
        
         * Compare gas and electricity suppliers
         * Compare broadband packages
         * Compare mobile phone contracts
         * Compare credit card offers
         * Compare loan deals
    * * Memberships
        
        
        MEMBERSHIPS
        
         * Which? Legal
         * Which? Money
         * Which? Tech support
         * Which? Gardening
         * Which? Travel
    * * Estate planning
        
        
        ESTATE PLANNING
        
         * Which? Wills
         * Which? Power of Attorney

 * More from Which?
   
   
   MORE FROM WHICH?
   
    * Services
      
      
      SERVICES
      
       * * Consumer advice
           
           
           CONSUMER ADVICE
           
            * Which? Scam Alerts
            * Which? Trusted Traders
         
         * Price comparison services
           
           
           PRICE COMPARISON SERVICES
           
            * Compare gas and electricity suppliers
            * Compare broadband packages
            * Compare mobile phone contracts
            * Compare credit card offers
            * Compare loan deals
       * * Memberships
           
           
           MEMBERSHIPS
           
            * Which? Legal
            * Which? Money
            * Which? Tech support
            * Which? Gardening
            * Which? Travel
       * * Estate planning
           
           
           ESTATE PLANNING
           
            * Which? Wills
            * Which? Power of Attorney
   
    * Consumer Rights
      
      
      CONSUMER RIGHTS
      
       * * Broadband, Phone & TV
         * Cars
         * Education
         * Energy
         * Health
         * Home & Property
         * Insurance
         * Legal
         * Leisure & events
         * Mobile Phones
         * Money
         * Mortgages
         * Scams
         * Shopping
         * Travel
         * Regulations
         * Personal Data
      
      
       * GET THINGS DONE
         
          * Template letters
            
            Our legal experts have created scores of template complaint letters
            to help you get results.
         
          * Regulations
            
            Guides to key consumer legislation to help you get results if things
            go wrong.
   
    * Campaigns
      
      
      CAMPAIGNS
      
       * * Affordable food for all
           
           We need to see action from the big supermarkets - including clear
           pricing, better access to budget ranges that enable healthy choices
           and more offers for those in need.
         
         * Stamp out scams
           
           Scammers are stealing hundreds of £millions from innocent victims
           every year, bombarding us with fraudulent texts, emails and calls.
           And not all banks are reimbursing innocent victims of scams – we’re
           demanding the government make it compulsory.
      
       * * Fix bad broadband
           
           Broadband is an essential part of modern life. Yet the service many
           of us get simply isn’t good enough. Are you getting the broadband
           speed you were promised? Use our tool to find out.
         
         * Make tech giants take responsibility
           
           Tech companies aren’t doing enough to protect us online from scams,
           dangerous products and fake reviews. We’re demanding strong new laws
           that make tech giants do better.
      
       * * Transform Travel
           
           We’re calling for a major overhaul of the travel industry. The
           appalling way airlines have treated passengers by repeatedly
           cancelling flights last minute and not telling them about their
           rights is unacceptable.
   
    * Cars
      
      
      CARS
      
       * * Car reviews
           
           CAR REVIEWS
           
            * All car reviews
            * City cars
            * Small cars
            * Medium cars
            * Medium estate cars
            * Large cars
            * Large estate cars
            * Compact & small SUVs
            * Medium & large SUVs
            * MPVs
            * Sports cars
       * * Car buying advice
           
           CAR BUYING ADVICE
           
            * Best Buy cars
            * Where to buy a car
            * Most reliable cars
            * Petrol vs diesel
            * Breakdown providers
            * Electric cars
            * Hybrid cars
            * All car advice
         
         * Car tools
           
           CAR TOOLS
           
            * Petrol vs diesel calculator
            * PS, kW and bhp converter
            * BAR to PSI converter
            * Litres to gallons converter
       * * How to
           
           HOW TO
           
            * Buy a new car
            * Buy a used car
            * Sell a car
            * Get the best deal
            * Test drive a used car
            * Find a good garage
            * Pass an MOT
            * Save money on driving
            * Change a tyre
            * Remove a scratch
            * Find car insurance
      
      
       * GET THINGS DONE
         
          * Step-by-step legal guidance on cars and motoring
            
            Sign up to Which? Legal for full telephone support from our experts
            to put you on the right track.
         
          * Know your rights - cars
            
            Find out where you stand with Which? Consumer Rights.
         
          * Cars newsletter
            
            Drive smarter and cut costs using our expert advice. Get our Cars
            newsletter – it's free monthly
   
    * Travel
      
      
      TRAVEL
      
       * * Travel & transport
           
           TRAVEL & TRANSPORT
           
            * Airlines
            * Airports
            * Cruise lines
            * River cruises
            * Car hire
            * Trains
            * Motorway service stations
         
         * Travel product reviews
           
           TRAVEL PRODUCT REVIEWS
           
            * Suitcases
            * Cabin bags
            * Sun creams
            * Binoculars
            * Outdoor accessories
            * Outdoor clothing
            * Tents
       * * Destinations & hotels
           
           DESTINATIONS & HOTELS
           
            * UK destinations
            * Overseas destinations
            * UK hotel chains
            * UK hotel reviews
            * Holiday cottage company reviews
         
         * Planning your trip
           
           PLANNING YOUR TRIP
           
            * Travel agents
            * Travel money
            * Travel health
            * Travel during Covid-19
            * Travel insurance
       * * Bikes and scooters
           
           BIKES AND SCOOTERS
           
            * Electric bikes
            * Electric folding bikes
            * Bike accessories
            * Electric scooters
      
      
       * GET THINGS DONE
         
          * Step-by-step legal guidance on travel
            
            Sign up to Which? Legal for clear, step-by-step advice on problems
            big and small.
         
          * Know your rights - travel
            
            Find out where you stand with Which? Consumer Rights.
         
          * Travel newsletter
            
            Our free monthly newsletter can help you plan better holidays with
            insider advice, money-saving tips and destination inspiration.
   
    * Help centre
      
      
      HELP CENTRE
      
       * * FAQs
         * My account, subscriptions & billing
         * Products & services
         * Which? mobile apps
         * Terms & conditions
         * Policies & standards
         * Contact us
         * Complaints
   
    * About Which?
      
      
      ABOUT WHICH?
      
       * * Who we are
         * Products and services
         * How we're run
         * Get involved
         * Testing, research and editorial
         * Contact us
         * Endorsement logos
         * Which? Directory
   
    * Memberships
      
      
      MEMBERSHIPS
      
       * * Which? membership
         * Which? Gardening
         * Which? Money
         * Which? Tech support
         * Which? Travel
   
    * News & newsletters
      
      
      NEWS & NEWSLETTERS
      
       * * Latest news from Which?
         * All Newsletters from Which?
         * Weekly Scoop
         * Which? Money Weekly
         * Scam Alert Service
         * Sustainability newsletter
         * Home newsletter
         * Food & Health newsletter
         * Gardening newsletter
         * Travel newsletter
         * Family newsletter
         * Technology newsletter
         * Cars newsletter
   
    * Podcasts
      
      
      PODCASTS
      
       * * Which? Investigates podcast
         * Which? Money podcast
         * Which? Shorts podcast
   
    * Press office
      
      
      PRESS OFFICE
      
       * * Press office home
         * Latest releases
         * Spokespeople
         * Contacts
   
    * Policy
      
      
      POLICY
      
       * * Latest reports
         * Digitisation
         * Money
         * Consumer landscape
         * Food
         * Trade / EU exit
         * Travel
         * Utilities
         * Housing
         * Public services
   
    * Consumer insight
      
      
      CONSUMER INSIGHT
      
       * * Latest insight
         * Lived inflation indices
         * Articles and reports
   
    * Careers
      
      
      CAREERS
      
       * * See all vacancies
   
    * Which? Communities
      
      
      WHICH? COMMUNITIES
      
       * * Which? Communities
           
           WHICH? COMMUNITIES

Navigate around Which? Search Which? My account My account


MY ACCOUNT

HELLO

View account
Log out


MY ACCOUNT

Log in
Join
Search


MONEY.

 1. Insurance
 2. Car insurance
 3. Best and worst car insurance companies

Menu

When you click on a retailer link, we may earn affiliate commission, which helps
fund our not-for-profit mission. This tracks your activity using third party
cookies. By clicking a link you are consenting to this.

Updated: 7 Mar 2023


BEST AND WORST CAR INSURANCE COMPANIES

Find out the best and worst car insurance policies, as rated by our experts, and
which car insurance companies give the best customer service
DS
Dean Sobers


--------------------------------------------------------------------------------

In this article

 * How do I find the best car insurance?
 * Best and worst UK car insurance companies
 * Which car insurers are Recommended Providers?
 * How we find the best car insurers
 * Does car insurance automatically renew?
 * Can car insurance be transferred to a new car?
 * What types of car insurance are there?
 * How much is the average monthly cost of car insurance?

View more links

--------------------------------------------------------------------------------

 * 
 * 
 * 
 * 


HOW DO I FIND THE BEST CAR INSURANCE?

Car insurance can be expensive, but you don't have to sacrifice great cover just
to get the cheapest price.

Which? can help you find the best car insurance providers and policies. Not only
do we rate 78 elements of a car insurance policy, we also ask thousands of real
customers who've claimed how they rate their insurer, including names such as
LV, Direct Line and Churchill. From customer service and price to excess and
ease making a claim, our surveys ask in-depth questions on the most important
aspects of taking out a car insurance policy.

In addition to using our reviews, you can also save money on your car insurance
policy with a few simple tricks:




SHOP AROUND FOR CAR INSURANCE

Don't just renew - your existing insurer may not be the cheapest option,
especially if you haven't switched for a while.

Start with price comparison sites but bear in mind not all insurers are on them
- Direct Line and NFU Mutual are prominent exceptions. Also make sure the price
comparison site is listing your details (such as profession) correctly.

If you've got a complicated claims history you could use a broker to find cover,
through the British Insurance Brokers Association. Watch out for fraudulent
'ghost brokers', particularly on social media; these claim to offer cut price
cover but leave you with little or no insurance.


WATCH OUT FOR EXTRA CAR INSURANCE COSTS

Increasing your car insurance excess can reduce your premium - but is
effectively a reduction in your cover. Check the excess you've chosen is an
amount you'd be able to afford in a claim.

It's also worth checking which admin fees your policy comes with. These can
apply if you change any details on your policy or cancel it.

Add-ons, such as personal accident cover, European cover and key cover, are
highly profitable for insurers - but may be of less value to you. Cancellation
fees may also be added if you end your policy early.

 * Find out more:  See our guide on insurance add-ons and fees.


CAR INSURANCE FOR YOUNGER AND OVER-50S DRIVERS

Younger drivers could benefit from black box insurance, multi-car insurance and
by adjusting their policy - find our tips here.

Whilst specialist over-50s policies exist for older drivers, they may still find
that standard insurers are cheaper. Make the most of your no-claims discount,
which can be eroded by rising premiums, and if switching, check your new insurer
will recognise it.




COMPARE INSURANCE

We’ve partnered with Confused.com to help you get a great deal on your
insurance.

Compare car insurance



BEST AND WORST UK CAR INSURANCE COMPANIES

Our customer surveys and policy analysis is used to rank car insurance
providers. The top scoring providers can be named a Which? Recommended Provider
(WRP) if they can meet the following conditions. They must:

 * Be regulated by the Financial Conduct Authority (FCA)
 * Be available to the general public
 * Have received responses from 30 or more customers in our survey
 * Achieve high scores in our customer satisfaction survey
 * Achieve an average or above policy score.

In addition, we won't award a provider our WRP endorsement if they have a poorer
than average claims score.

The first list compares only those car insurers we were able to rate for both
policies and customer experience. It's ordered by total score.

The second list compares car insurance policies - an insurer may offer more than
one.

Select a table:
Car insurers with policy and customer scoresCar insurance policies


CAR INSURERS WITH POLICY AND CUSTOMER SCORES

BrandWhich? Customer ScorePolicy ScoreTotal ScoreMin/Max AgeClarity of
policyDealing with queriesEase of managing policy onlineValue for Money
RECOMMENDED PROVIDER
LV
79%77%78%17 / 110 years old
★★★★☆
★★★★☆
★★★★☆
★★★★☆
RECOMMENDED PROVIDER
NFU Mutual
78%76%77%17 / 80 years old
★★★★☆
--
★★★★☆
RECOMMENDED PROVIDER
Direct Line
78%68%73%16 / no max age
★★★★☆
★★★★☆
★★★★☆
★★★★☆
Saga
71%75%73%45 / no max age
★★★★☆
★★★☆☆
★★★★☆
★★★☆☆
AXA
72%71%72%18 / no max age
★★★☆☆
★★★★☆
★★★☆☆
★★★★☆
RECOMMENDED PROVIDER
Churchill
75%66%71%16/ no max age (80 through PCW's)
★★★★☆
★★★★☆
★★★☆☆
★★★★☆
RECOMMENDED PROVIDER
Aviva
74%66%70%17/ 84 years old
★★★★☆
★★★☆☆
★★★☆☆
★★★★☆





Show full table




WHERE IS AGEAS CAR INSURANCE?

You won't find Ageas in either of our tables.

The reason is that this insurer did not take part in our policy survey.

However, it received a Customer Score this year of 60%, placing it 14th out of
15 brands rated.

Table last updated in February 2023. Next update in February 2024.


WHICH CAR INSURERS ARE RECOMMENDED PROVIDERS?


LV

LV was best rated by claimants in our survey, scoring 79%, and its policy was
the highest scoring (77%) when compared against other providers' standard
policies. It's one of a minority of providers guaranteeing repairs for a
vehicle's lifetime, and one of just 11 offering the policyholder a temporary
replacement car if theirs is stolen.

It also stands out by offering protection for no-claims bonuses against an
unlimited number of claims.

Customers in our survey gave LV praise for its ability to deal with queries and
offer value for money. Some 35% of LV claimants in our survey felt they were
getting a cheaper price with it than what was on offer from other insurers - a
sentiment shared by 26% of claimants overall.


NFU MUTUAL

NFU Mutual holds the singular honour of never having lost its WRP status since
we launched the scheme more than a decade ago. It did consistently well in our
analysis this year - just behind LV both for its customer score (78%) and policy
score (76%) - achieving second place overall.

It's one of just two providers we reviewed that doesn't charge a cancellation
fee, or interest if you want to pay monthly. 

You won't find NFU Mutual on comparison sites. You can get a quote by calling
one of its 300 branches.

Unfortunately NFU Mutual may not offer a policy to customers in all postcodes,
particularly major cities.


DIRECT LINE

One of the largest insurers in the market, Direct Line retains its place as a
Which? Recommended Provider.

It achieved a customer score of 78% - joint second with NFU Mutual.

Unlike its sister brands Churchill and Privilege , Direct Line doesn't appear on
price comparison sites, but it is well worth contacting them or visiting their
website to get a quote.


CHURCHILL

Churchill  received the third-highest customer score (75%) this year. Its
standard policy had a slightly-above-average score (of 66%) in our analysis. 

Like its sister brand, Direct Line, we liked its fairer approach to customers'
no-claims discount. For example, it won't hack at the discounts of those who
have claimed because their car was vandalised.  


AVIVA

Aviva is our fifth WRP - with a strong customer score of 74% (placing it sixth
of 15 brands). Its standard policy merited a decent 66% in our analysis. 

The insurer sells slightly different variants of its cover through comparison
sites - called 'Aviva Online' (scoring 65%) and 'Aviva Premium' (66%). 

We’re working with Confused.com to help you get a great deal on your car
insurance. Search for a new policy now.




HOW WE FIND THE BEST CAR INSURERS


CUSTOMER SCORES

The customer score is based on a survey of 2,454 policyholders who have recently
made a car insurance claim. The score reflects how satisfied customers say they
are with their provider and how likely they would be to recommend it.

Providers must receive a minimum sample size of 30 to be included.

Why only talk to customers who've claimed?

You'll only know how good an insurer's customer service really is when you have
to make a claim.

That's when good insurers will show their ability to deal with problems, quickly
process your claim and get you back on the road as soon as possible.

As it can be difficult to find the requisite number of customers who've claimed
for some insurers, in some cases we're only able to provide our expert policy
scores.


POLICY SCORES

The policy score is our assessment of the quality of standard cover comparing 78
elements of a car insurance policy. We weight certain features of cover or costs
(fees and excesses) based on the impact we think they generally make, from
courtesy cars to breakdown cover.

Among the highest-weighted elements are the insurer's guarantee on repairs,
cover for glass damage, conditions of its no-claims discount, whether it'll
provide a replacement vehicle, its fire, theft and accidental damage excesses,
and interest rates charged for paying premiums in instalments.

We carry this analysis out every 12 months. The next update will be in February
2024.


TOTAL SCORE

Where customer and policy scores are available, insurance providers are ranked
by their total score. This score is made up of 50% of the customer score, and
50% of the car insurance policy score.

Getting a cheap car insurance deal can be tricky, but we’ve partnered with
Confused.com to help you compare policies and buy insurance from one of their
100+ providers.




DOES CAR INSURANCE AUTOMATICALLY RENEW?

Yes. When you take out a car insurance policy it is standard for your agreement
to auto-renew after 12 months. 

Your provider will let you know between 21 and 30 days prior that your policy is
up for renewal, and if you take no action it will auto-renew with the same
details including excess, no-claims bonus, add-ons, fees and charges. 

Some policies have a 10-month option, so it is important to double check your
agreement to see how many months until your auto-renew kicks in. Sticking with
your current policy may not be the best option for you. Find out why you
shouldn't allow your policy to auto-renew.


CAN CAR INSURANCE BE TRANSFERRED TO A NEW CAR?

Yes. Your car insurance policy can be transferred to your new car even if you
are midway through your 12-month policy. Once the transfer is complete, your new
car will be covered in the same way as your previous model. 

Some insurance providers will charge an admin fee to change your details. These
changes should include your car make, model and mileage. It is important to
remember that your new car could have an impact on your car insurance premiums.

Your insurance provider will need to know the date to switch over the policies.
The best time to contact them is once you know when you are collecting your new
car from the dealership or seller. This way, you can collect your car and drive
it home that day with your new insurance applied. 

Be more money savvy

Get a firmer grip on your finances with the expert tips in our Money newsletter
– it's free weekly.

First name (required)

Last name (required)

Email address (required)

Postcode (optional)

Get the newsletter

This newsletter delivers free money-related content, along with other
information about Which? Group products and services. Unsubscribe whenever you
want. Your data will be processed in accordance with our Privacy policy


WHAT TYPES OF CAR INSURANCE ARE THERE?

The main three types of standard car insurance are third party, third party fire
and theft, and comprehensive.

Third party is the most basic level of cover and is the legal minimum. It covers
damage you cause to other drivers on the road, but not damage to your own
vehicle.

Third party, fire and theft is the next band of insurance up. This also pays out
if your car is stolen, vandalised or severely damaged. 

Comprehensive car insurance offers the widest coverage for you and your car. It
will cover both you, your car, the other driver and their car in an accident.

Within these categories there are specialist types of policy including classic
car, multi-car and learner driver car insurance. 


HOW MUCH IS THE AVERAGE MONTHLY COST OF CAR INSURANCE?

As of February 2023, the average car insurance premium paid by drivers was £470,
according to the Association of British Insurers.

This was 8% higher than in the previous quarter, with insurers blaming rising
repair costs.

The average paid for new policies was £531 and the average for renewing a policy
was £428. Bear in mind your excess, car model type and your age can increase
your car insurance premiums. 


HOW CAN I GET CHEAP CAR INSURANCE?

From haggling with your provider to using comparison sites, there are a number
of ways you can find cheap car insurance. It is important to shop around and do
your research to gain a strong understanding of what a competitive price looks
like before making a decision. 

Insurance companies are no longer allowed to offer better deals to new
customers, so it is in your best interest to find out what your current provider
is willing to offer you as well as checking out the best deals on price
comparison sites. 

It is worth noting that Direct Line car insurance is only available directly and
NFU Mutual are not online at all, you need to call them up to discuss their
policies.


GOT MORE QUESTIONS ON CAR INSURANCE? TAKE A LOOK AT OUR GUIDES:

 * How do I make a car insurance claim?
 * Car-insurance no claims bonus explained
 * Car insurance: add-ons, fees and charges explained
 * Modified car insurance explained
 * Electric car insurance explained
 * How black box car insurance works
 * Learner driver car insurance explained
 * Temporary car insurance explained
 * Multi-car insurance guide
 * Gap insurance explained
 * How to insure a classic car




COMPARE CAR INSURANCE

We’ve partnered with Confused.com to help you get a great deal on your car
insurance.

Get a quote now


CAR INSURANCE

 1.  Best and worst car insurance companies
 2.  How to find cheap car insurance
 3.  AA car insurance review
 4.  Admiral car insurance review
 5.  Aviva car insurance review
 6.  Axa car insurance review
 7.  Churchill car insurance review
 8.  Direct Line car insurance review
 9.  esure car insurance review
 10. Halifax car insurance review
 11. Hastings Direct car insurance review
 12. LV car insurance review
 13. More Than car insurance review
 14. NFU Mutual car insurance review
 15. RAC car insurance review
 16. Saga car insurance review
 17. Tesco Bank car insurance review

 * Share on Facebook
 * Share on Twitter
 * Share by email


COMPARE CAR INSURANCE

We’ve partnered with Confused.com to help you get a great deal on your car
insurance.

Get a quote now


CAR INSURANCE

 1.  Best and worst car insurance companies
 2.  How to find cheap car insurance
 3.  AA car insurance review
 4.  Admiral car insurance review
 5.  Aviva car insurance review
 6.  Axa car insurance review
 7.  Churchill car insurance review
 8.  Direct Line car insurance review
 9.  esure car insurance review
 10. Halifax car insurance review
 11. Hastings Direct car insurance review
 12. LV car insurance review
 13. More Than car insurance review
 14. NFU Mutual car insurance review
 15. RAC car insurance review
 16. Saga car insurance review
 17. Tesco Bank car insurance review



--------------------------------------------------------------------------------

About Us

Which? Limited is registered in England and Wales to 2 Marylebone Road, London
NW1 4DF, company number 00677665 and is an Introducer Appointed Representative
of the following: 1. Inspop.com Ltd for the introduction of non-investment
motor, home, travel and pet insurance products (FRN 610689). Inspop.com Ltd is
authorised and regulated by the Financial Conduct Authority (FCA) to provide
advice and arrange non-investment motor, home, travel and pet insurance products
(FRN310635) and is registered in England and Wales to Greyfriars House,
Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130.
Confused.com is a trading name of Inspop.com Ltd. 2. LifeSearch Partners Limited
(FRN 656479), for the introduction of Pure Protection Contracts, who are
authorised and regulated by the FCA to provide advice and arrange Pure
Protection Contracts. LifeSearch Partners Ltd is registered in England and Wales
to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386. We do
not make, nor do we seek to make, any recommendations on financial products or
services that are regulated by the FCA, as we’re not regulated or authorised by
the FCA to advise you in this way. In some cases, however, we have included
links to regulated brands or providers with whom we have a commercial
relationship and, if you choose to, you can buy a product from our commercial
partners. If you go ahead and buy a product using our link, we will receive a
commission to help fund our not-for-profit mission and our campaigns work as a
champion for the UK consumer.



--------------------------------------------------------------------------------

 * Like us on Facebook
 * Follow us on Twitter
 * Find us on Instagram
 * Watch us on YouTube

 * Help Centre
 * Which? Directory
 * Accessibility
 * Terms & conditions
 * Privacy
 * Cookies
 * MSA statement
 * Careers
 * About Which?

  © Which? 2023


ABOUT COOKIES AT WHICH?

This site uses cookies to store information on your device - some are essential
for making our site work, while others help us to improve the site and our
advertising, but we won't set any non-essential cookies unless you permit us to
do so.

You can make changes to your preferences at any time.

Only use essential cookies Accept cookies
Cookie Settings



PRIVACY PREFERENCE CENTER

When you visit our website, we use cookies to store or retrieve information on
your browser. This information might be about you, your preferences or your
device but does not usually directly identify you. We use this information to
make the site work as you expect it to and to provide you with the best
experience. You can choose not to allow some types of cookies: click on the
different category headings to find out more and change your settings. However,
blocking some types of cookies may impact your experience of the site and the
services we are able to offer. For more information, please visit our cookie
policy.
Accept all cookies


MANAGE CONSENT PREFERENCES

ESSENTIAL COOKIES

Always Active


Some cookies are essential for the website to function and cannot be switched
off in our systems. They let you do things like log in, move from page to page,
and use our interactive tools. You can set your browser to block or alert you
about these cookies, but some parts of the site will not then work.

Cookies Details‎

FUNCTIONAL & PERFORMANCE COOKIES

Functional & Performance Cookies


These cookies provide enhanced functionality and personalisation, and allow us
to run analytics and testing tools. They measure and improve how our website
performs, and give us feedback so that we can provide the best experience
possible.

Cookies Details‎

ADVERTISING & MARKETING COOKIES

Advertising & Marketing Cookies


These cookies are set by a range of social media services that we have added to
the site to enable you to share our content with your friends and networks. They
are capable of tracking your browser across other sites and building up a
profile of your interests. This may impact the content and messages you see on
other websites you visit. If you do not allow these cookies you may not be able
to use or see these sharing tools.

Cookies Details‎
Back Button


PERFORMANCE COOKIES



Search Icon
Filter Icon

Clear
checkbox label label
Apply Cancel
Consent Leg.Interest
checkbox label label
checkbox label label
checkbox label label

 * 
   
   View Cookies
   
    * Name
      cookie name

Confirm my choices