Car insurance Which? Recommended Providers

Recommended Provider Icon CI

To be a Which? Recommended Provider a car insurer must have a high quality product with above average customer service. We combine our latest customer satisfaction results along with our assessment of each provider's standard car insurance policy to select the best car insurers on the market.

Which? Recommended Provider must:

  • be highly rated by the general public
  • have an average or above policy score and a good customer score (70% or more)
  • meet our minimum standards for inclusion and be regulated by the Financial Conduct Authority
  • be directly available to the general public
  • To create a valid customer score for a provider, we must receive responses from thirty or more of their customers in our customer survey.

Click on the WRP concerned to see full details of its customer score and policy elements

Which? Recommended car insurers
InsurerWhich? Recommended ProviderNew customer maximum ageCustomer scoreWhich? policy scoreTotal score
NFU MutualaWhich? Recommendation badge8077%84%80%
LV=Which? Recommendation badgeNo limit73%79%76%
John Lewis InsurancebWhich? Recommendation badge9973%79%76%
Nationwide BSbWhich? Recommendation badgeNo limit70%80%75%
Age UK No limit69%77%73%
SagacWhich? Recommendation badgeNo limit70%74%72%
RIASb No limit68%72%70%
The Co-operative InsuranceWhich? Recommendation badge7570%70%70%
Aviva 8465%74%69%
Chaucer Direct 8066%73%69%
Churchill No limit69%70%69%
Marks & Spencer Bankb 8568%69%68%
The Post Officeb No limit66%69%67%
Lloyds Bank Underwriter dependent67%67%67%
Endsleigh Insuranceb 9965%69%67%
Hastings Directb 9960%74%67%
RSA No limit71%61%d66%
More Th>n No limit62%70%66%
The AAb No limit59%73%66%
Zurich 8662%70%


Sheilas' Wheels 8065%66%66%
Prudential No limit66%65%66%
Allianz 8555%74%64%
Direct Line No limit64%64%64%
Sainsbury's Bank No limit67%61%64%
Tesco Bankb 9962%65%63%
Axa Insurance No limit60%66%63%
Esure 8059%66%63%
RACb No limit66%58%62%
Privilege No limit57%65%61%
Halifax Underwriter dependent56%65%60%
Swiftcover No limit60%59%60%
Kwik Fitb No limit59%60%59%
Admiral No limit55%58%57%
Elephant No limit54%58%56%
Average  63%69%67%

Table notes

Customer score data based on a survey of 3,017 policyholders in November 2013. Policy scores are based on the provider's standard policy. All policies are available to the general public. 

  1. Policies only available via direct sales forces and local agents and may not cover all risks or postcodes (particularly in major cities).  Check on 0800 3164661.
  2. Policy is underwritten by a partner insurer or panel of partner insurers.
  3. Customer must be over 50
  4. Score based on 'RSA Echoice' policy.