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Car insurance policies compared

Here we rate car insurers' policies, including windscreen damage, courtesy car guarantees and whether insurers guarantee repairs.

In this article
Finding the best car insurance policy 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. 

Which? experts scrutinise 47 car insurers’ comprehensive 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.

 

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 in our customer survey
  • Must achieve a high score in our Customer Satisfaction survey.
  • Must also achieve an average or above Policy Score

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.

Car insurance companies: whose policy tops the table?

Click on the insurers to go to our dedicated reviews pages.

This table includes insurers both with and without a customer score. To only read reviews of insurers we've been able to give a customer score, go to our list of best and worst car insurance companies.

Brand Policy score Windscreen damage Courtesy car guarantee Repairs Guarantee
Logged out detail 77%

5 out of 5

5 out of 5

5 out of 5

Logged out detail 75%

5 out of 5

5 out of 5

5 out of 5

Logged out detail 75%

5 out of 5

5 out of 5

2 out of 5

Logged out detail 74%

4 out of 5

5 out of 5

2 out of 5

Logged out detail 73%

4 out of 5

5 out of 5

3 out of 5

Logged out detail 72%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 71%

5 out of 5

3 out of 5

3 out of 5

Logged out detail 70%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 70%

4 out of 5

5 out of 5

3 out of 5

Logged out detail 69%

4 out of 5

5 out of 5

5 out of 5

Logged out detail 69%

4 out of 5

5 out of 5

2 out of 5

Logged out detail 69%

5 out of 5

5 out of 5

5 out of 5

Logged out detail 69%

4 out of 5

5 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 67%

4 out of 5

5 out of 5

5 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

5 out of 5

5 out of 5

Logged out detail 66%

3 out of 5

5 out of 5

5 out of 5

Logged out detail 66%

4 out of 5

5 out of 5

3 out of 5

Logged out detail 65%

2 out of 5

5 out of 5

2 out of 5

Logged out detail 65%

4 out of 5

2 out of 5

3 out of 5

Logged out detail 64%

4 out of 5

5 out of 5

3 out of 5

Logged out detail 63%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 63%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 63%

4 out of 5

5 out of 5

2 out of 5

Logged out detail 62%

4 out of 5

5 out of 5

3 out of 5

Logged out detail 62%

4 out of 5

5 out of 5

5 out of 5

Logged out detail 62%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 61%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 61%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 61%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 61%

3 out of 5

5 out of 5

3 out of 5

Logged out detail 60%

3 out of 5

5 out of 5

5 out of 5

Logged out detail 59%

2 out of 5

2 out of 5

5 out of 5

Logged out detail 59%

2 out of 5

2 out of 5

5 out of 5

Logged out detail 59%

2 out of 5

2 out of 5

5 out of 5

Logged out detail 59%

4 out of 5

2 out of 5

2 out of 5

Logged out detail 59%

4 out of 5

5 out of 5

2 out of 5

Logged out detail 56%

4 out of 5

2 out of 5

2 out of 5

Logged out detail 56%

4 out of 5

2 out of 5

2 out of 5

Logged out detail 54%

4 out of 5

2 out of 5

2 out of 5

Logged out detail 53%

0 out of 5

5 out of 5

5 out of 5

Logged out detail 53%

4 out of 5

2 out of 5

2 out of 5

Logged out detail 52%

0 out of 5

3 out of 5

5 out of 5

Logged out detail 52%

2 out of 5

2 out of 5

2 out of 5

Logged out detail 45%

0 out of 5

5 out of 5

3 out of 5

Logged out detail 45%

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 / reduce their impact in the overall product score.

 

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