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Car insurance policies compared

We rate car insurers' policies, from windscreen damage to courtesy car guarantees and whether insurers guarantee repairs.

In this article
Finding the best car insurance policy What makes a good car insurance policy? What makes a Which? Recommended Provider?
Car insurance companies: whose policy tops the table? How we analyse car insurance policies

Finding the best car insurance policy

Finding the best car insurance policy can be tough - the cheapest deal may not always provide the cover you need should the worst happen and you're forced to make a claim. 

To help you cut through the jargon, Which? experts have scrutinised the smallprint of dozens of policies to pick out the best.

You can find our ratings below, along with some tips on the key parts of a policy you should look at before buying.

 

What makes a good car insurance policy?

The level of cover you need will probably vary according to your circumstances. For example, a courtesy car could prove essential if you have only one set of wheels - but merely a perk if there's more than one car in your household.

When we award a policy a 'policy score', however, we weight certain features of cover or costs (fees and excesses) based on the impact we think they generally make.

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.

What makes a Which? Recommended Provider?

To qualify as a Which? Recommended Provider, car insurance companies must:

  • Be regulated by the Financial Conduct Authority
  • Be available to the general public
  • Have received responses from 30 or more customers who've had to claim in our customer survey
  • Must achieve a high score in our Customer Satisfaction survey.
  • Must also achieve an average or above Policy Score

We weren't able to find the requisite number of customers to generate a customer score for all the insurers that have a policy scores.

This page lists all the insurers rated by our experts and shows only their policy scores. If you'd rather see only those insurers with customer scores, click here for our Best and Worst Car Insurance guide.

Car insurance companies: whose policy tops the table?

Click on the insurer names to go to our dedicated reviews pages.

This table, ranked by policy scores, includes policies from insurers both with and without a customer score.

To see which insurers received the highest customer scores, see our guide to the best and worst car insurance companies.

Which? members can log in to see the results of our analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

Policy Policy Score Windscreen damage Courtesy car guarantee Repairs guarantee
Logged out detail 81%

5 out of 5

5 out of 5

5 out of 5

Logged out detail 77%

5 out of 5

3 out of 5

5 out of 5

Logged out detail 76%

4 out of 5

5 out of 5

2 out of 5

Logged out detail 75%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 74%

5 out of 5

5 out of 5

5 out of 5

Logged out detail 74%

5 out of 5

5 out of 5

2 out of 5

Logged out detail 73%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 73%

3 out of 5

5 out of 5

5 out of 5

Logged out detail 71%

3 out of 5

5 out of 5

5 out of 5

Logged out detail 70%

3 out of 5

5 out of 5

5 out of 5

Logged out detail 70%

3 out of 5

5 out of 5

5 out of 5

Logged out detail 70%

5 out of 5

5 out of 5

3 out of 5

Logged out detail 70%

5 out of 5

5 out of 5

3 out of 5

Logged out detail 69%

3 out of 5

1 out of 5

3 out of 5

Logged out detail 69%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 68%

3 out of 5

1 out of 5

5 out of 5

Logged out detail 67%

2 out of 5

5 out of 5

2 out of 5

Logged out detail 67%

3 out of 5

5 out of 5

5 out of 5

Logged out detail 66%

3 out of 5

1 out of 5

3 out of 5

Logged out detail 66%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 66%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 66%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 66%

3 out of 5

1 out of 5

3 out of 5

Logged out detail 65%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 65%

3 out of 5

1 out of 5

3 out of 5

Logged out detail 64%

3 out of 5

5 out of 5

2 out of 5

Logged out detail 64%

3 out of 5

5 out of 5

5 out of 5

Logged out detail 60%

2 out of 5

5 out of 5

5 out of 5

Logged out detail 60%

2 out of 5

5 out of 5

5 out of 5

Logged out detail 60%

2 out of 5

5 out of 5

5 out of 5

Logged out detail 60%

3 out of 5

5 out of 5

2 out of 5

Logged out detail 60%

3 out of 5

1 out of 5

2 out of 5

Logged out detail 57%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 56%

4 out of 5

1 out of 5

2 out of 5

Logged out detail 55%

3 out of 5

3 out of 5

2 out of 5

Logged out detail 54%

3 out of 5

1 out of 5

2 out of 5

Logged out detail 52%

4 out of 5

1 out of 5

2 out of 5

Logged out detail 48%

0 out of 5

5 out of 5

3 out of 5

Logged out detail 44%

1 out of 5

5 out of 5

3 out of 5

How we analyse car insurance policies

We analyse and rate 73 key elements of car insurance policies to come up with the overall policy score.

We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance or reduce their impact in the overall product score.

 

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