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Car insurance company reviews

Few insurers are good enough to be Which? Recommended Providers - they have to combine good cover with great customer service. Read our car insurance companies reviews to find the top car insurers. 

In this article
To qualify as a Which? Recommended Provider, car insurance companies must: Car insurance companies: who tops the table? How we calculate customer and policy scores

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. 

Which? experts scrutinise 31 car insurers’ standard car insurance policies, and survey thousands of car insurance policyholders. We've rated each policy on its key aspects to produce a Which? policy score, and our customer score is based on how the insurers were rated by their customers.

Our overall score tells you the best car insurance companies for both the quality of their policy, and the customer service they give. 

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 in our customer survey
  • Have received an average or above policy score (see table for current average score) and a customer score of 70% or above

Click on the car insurance companies in the table below to see full details of its customer score and policy elements. The latest scores were published in January 2018. Car insurance companies will be rated again in July 2018. 

Of course, buying a policy is one thing. But how a car insurance company responds to a claim is the acid test of any insurer. Find out how we've rated car insurance companies for handling claims in our car insurance claims satisfaction tables.

Members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Car insurance companies: who tops the table?

Best and worst car insurance
Provider Min-Max age Dealing with queries Clarity of Policy Transparency of charges Value for money Customer score Policy score Total
Subscriber only content 17-80 - 81% 87% 84%
Subscriber only content 17-No limit - - 74% 83% 78%
Subscriber only content 17-99 - 72% 78% 75%
Subscriber only content 17-No limit 68% 80% 74%
Subscriber only content 50-No limit 66% 78% 72%
Subscriber only content 16-96 67% 73% 70%
Subscriber only content 17-99 64% 75% 69%
Subscriber only content  21-90 65% 70% 68%
Subscriber only content 17-75 65% 69% 67%
Subscriber only content 17-84 61% 71% 66%
Subscriber only content 16-96 61% 72% 66%
Subscriber only content 25-No limit - - 57% 76% 66%
Subscriber only content 18-No limit - - - - 62% 68% 65%
Subscriber only content  17-115 - - - - 61% 69%c 65%
Subscriber only content Underwriter dependent - 65% 62% 64%
Subscriber only content 21-75 - 64% 64% 64%
Subscriber only content 21-99 60% 69% 64%
Subscriber only content 17-99 56% 72% 64%
Subscriber only content 18-No limit 56% 71% 64%
Subscriber only content 17-90 56% 72% 64%
Subscriber only content 21-90 56% 71% 63%
Subscriber only content 16-96 - - - - 57% 70% 63%
Subscriber only content 18-No limit - - - 56% 70% 63%
Subscriber only content 25-85 - - 59% 66% 63%
Subscriber only content 17-90 - 53% 72% 63%
Subscriber only content 16-96 54% 70% 62%
Subscriber only content 17-99 - 56% 65% 61%
Subscriber only content 17-90 - - - - 50% 72% 61%
Subscriber only content Underwriter dependent - 52% 67% 60%
Subscriber only content 17-99 - - - 60% 59% 59%
Subscriber only content 17-99 - - 56% 57% 56%
Average - - - - - 61% 71% 66%
Table notes: Customer score data based on a survey of 6,074 policyholders in November 2017. Policy scores are based on the provider's standard policy. All policies are available to the general public. Customer score is calculated using a combination of overall satisfaction and how likelihood to recommend the provider to a friend. '-' represents where we have insufficient sample size (less than 30) to generate a star rating. Insurers must have a minimum sample size of 30 for inclusion in the table.

How we calculate customer and policy scores

We calculated the customer scores and claims satisfaction scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.

We calculated the policy scores by rating the most important elements of the policy including personal belongings limit, renewal fees and interest charged on payment by instalments.

The total score combines both the customer score and policy score.

  • Last updated: January 2018
  • Updated by: Joe Sharp