Best car insurance companies 2017 auto express learning articles


Most of us spend days and weeks searching for the right car, then simply buy the cheapest insurance policy possible. This is understandable, especially when premiums have now reached record levels; but price is just one part of the story.

If you ever have to make a claim, you may regret not having gone with a company that ultimately delivers more expertise and looks after you better for a slightly higher price.

To help you find the right policy for you, we’ve rated the UK’s best 39 insurers, and list the top 25 across seven categories usd to inr converter. Everything from ease of purchase via the Internet or over the telephone to how easily claims were settled was ranked.

Along the way we asked how friendly and helpful staff were when you ordered your policy, if they knew the terms and conditions inside and out, and whether they knew what to do when you needed to make a claim.

We also rated whether the insurer reached a settlement quickly, if it kept you up to date on the progress of the claim and whether you found it good value in the end.

The only question remaining is which insurer is right for you. But before we run down our top 25 providers, we’ve listed some industry stats that may prove helpful when shopping around for a policy. How much is your premium?

Price is key for many drivers when buying insurance. With costs at record levels after the recent Insurance Premium Tax hike, plus rising repair bills, this is likely to matter even more in the future. Still, it’s good to see that the majority of drivers surveyed this year paid less than £300 for a year’s insurance, with most others not spending more than £500. But as our next chart shows, this may not all have been down to the initial quote on the insurer’s website or relayed over the phone yen to usd conversion. If you asked for a discount, how much did you negotiate?

It never hurts to ask, and this especially applies when negotiating your insurance premium. As our results show, out of the drivers who asked their provider to come up with a lower offer, nearly 60 per cent got almost 10 per cent off.

Equally impressive is the fact that nearly a third of drivers managed to get between 11 and 20 per cent reduced from their policy. Some persistent shoppers even managed to achieve a discount of more than 50 per cent, showing there’s plenty of wiggle room in premiums – all you have to do is keep asking for it. How long did it take to settle a claim?

When you steal first place in every major category in a customer satisfaction survey, how do you improve? Well, with 96 per cent of customers expressing an intention to renew, NFU Mutual is probably best off not changing a thing 100 eur usd. Dig into the results, and there is one area where it could do more. The process of getting a quote online is a bit awkward and long-winded compared with the web specialists dow futures market. But stick to the phone – or one of 300 local offices – and the experience is peerless. From helpfulness and staff product knowledge to informing you about claim progress and ultimate settlement, customer satisfaction is second to none.

Zurich takes third place thanks to blistering performances from its telephone staff. They ranked inside the top 10 in all areas, and scored an impressive fourth for product knowledge. Zurich really goes into overdrive for claims handling, though, coming second for speed of settling, third for helpfulness and fourth for keeping claimants informed. Throw in a third overall for value for money, and you quickly start to wonder how well the brand might have done if only it could sort its website, which drivers voted a poor 32nd for ease of navigation and 33rd for speed, bringing the ease of purchase score down to 12th place.

The retail sister company of Ageas insurance, RIAS sells directly to customers. They tell us it’s doing it well, with none of the web-related categories – ease of navigation, speed of completion and information provision – attracting a ranking lower than fourth mxn to usd. This excellent approach to Internet commerce is not quite mirrored for callers; although RIAS scores well it only makes 26th in the league table for phone ordering. It’s back on track if you need to make a claim, with second places for the phone experience here, another second for helpfulness and a third for keeping customers informed of progress.

For an insurer called Quote Me Happy, 22nd place for value for money may not be the most fitting result, but the company does redeem itself elsewhere. For online process, speed to complete orders and useful info links, it’s ranked first overall binary translation. The praise continues over to the phone lines, with another first place for speed of processing orders, and a second for politeness and friendliness of staff. When it came time to making a claim, drivers told us they were kept well informed during the process, and although settlements could have been reached sooner, seventh place for overall claims satisfaction is impressive.

The insurer with the big red telephone lives up to its promise with very high ratings for keeping drivers informed when claims are being processed, along with friendliness and helpfulness on the other end of the line. Speed to settle was another area where Direct Line ranked in the top 10, and as it achieved seventh place for value for money, drivers seem happy with the settlement figures as well as the cost of the policy stock symbol for oil futures. But where the brand needs to improve is in the way it sells its policies, with the ‘overall process’ slipping to 20th place for telephone callers. Product knowledge could be better, too.

Another specialist insurer, this time offering policies for the over-fifties. Saga can take pride in employing very capable staff who were said to be helpful across the board; it got good scores for helpfulness when making a claim, keeping drivers informed and speediness to settle. When it came to purchasing policies, you were most impressed with the ease of navigation on Saga’s website, ranking it third, while speed, availability of information and the overall ordering process online were all rated inside the top 10 stock market future 2016. Ordering by phone didn’t score so well, with processing speed and product knowledge ranked just outside the top 10.

Allianz is the world’s third largest financial services company, but despite its size and wealth, you tell us it needs to improve its website. Drivers criticise ease of navigation, the speed of online transactions and the information the website provides. This is a pity, because while the telephone scores aren’t exactly stunning, they’re far more indicative of the well run insurance business you’d expect a firm like Allianz to be. It scored much better for handling and settling claims, ranking 10th for speed to settle, plus owners told us they were kept up to date during claims dollar exchange rate. Value for money could have been better, though.

It’s a mixed bag of results for charity Age UK, a specialist insurer known for tailoring policies to drivers aged over 50. This older audience reports the website is hard to navigate, but scores it high when ordering by phone; it’s third best here. However, the halo slips somewhat if you subsequently need to ring up to make a claim, with the telephone experience ranked a low 27th. Friendliness and helpfulness also take a toll during claims, with drivers scoring Age UK 35th, while the speed it takes to settle claims is ranked only 30th against rival insurers. The value for money offered is in the top 10, though.

Sir Peter Wood first helped to change the face of car insurance when he launched Direct Line way back in the eighties. He did it again by launching Esure as an online insurance platform in 2000. As befits an outfit created for the Internet, Esure scores very well in our survey for ease of website navigation and speed of ordering online, but those who took to the telephones had a far less happy experience. When making a claim, owners told us the insurer needs to be more friendly and helpful, giving Esure its lowest score, although the company was ranked better for speed to settle and value for money.

Welsh-based insurer Elephant has been around since 2000, and claims to be the first UK company created to sell car cover online pound dollar exchange rate live. That may be true, but Driver Power respondents rank it only mid-table, awarding the brand its lowest scores for value and ease of purchase. The claim process doesn’t seem that friendly or helpful, either, and while satisfaction with the website is reasonable, our feedback shows clear room for improvement on call handling. Elephant is better at keeping you up to date when processing claims, and while it’s not the fastest, other insurers will keep you waiting longer to settle claims.