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, you can sign up to a one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
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.
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.