People's Choice
People's Choice's only policy managed a below-average score
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People's Choice car insurance review
People's Choice sole policy left our experts underwhelmed
Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
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In this article
- Does People's Choice offer the best car insurance?
- What does People's Choice car insurance cover?
- 'A mediocre policy with the odd highlight'
- How good is People's Choice at handling claims?
- How can you save money on People's Choice car insurance?
- How does People's Choice compare with other providers?
- People's Choice: how can I claim?
- Should you buy People's Choice car insurance?
People's Choice is part of the Hastings Direct group, which also sells Hastings Direct and Insure Pink car insurance. You can buy a People's Choice policy directly or through comparison websites.
We've reviewed the standard car insurance cover from People's Choice. We didn't receive enough feedback from customers to rate its service.
The standard policy covers drivers aged between 17 and 82.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Does People's Choice offer the best car insurance?
See how this compares with the best car insurance, or read more about how we rate car insurance.
What does People's Choice car insurance cover?
| Compare insurance providers | |||
|---|---|---|---|
| Fire excess | £45 | Check you're getting a great deal on car insurance using the service provided by MoneySuperMarket | |
| Theft excess | £45 | ||
| Accidental damage excess | £45 | ||
| Windscreen replacement excess (approved repairer) | £135 | ||
| Is the policyholder's NCD affected if car is hit while parked | Yes | ||
| Is the policyholder's NCD affected by vandalism | No | ||
| Windscreen damage - limit per claim (approved repairer/non-approved repairer) | Unlimited/£100 | ||
| Window damage - limit per claim (approved repairer/non-approved repairer) | Unlimited/£100 | ||
| Cancellation fee after cooling-off period | £45 | ||
| Repairs guarantee period | 5 years | ||
| Total loss courtesy car | Optional extra | ||
| Replacement car provided during repairs following an accident | Included | ||
| Replacement car - guaranteed availability | Yes | ||
| Misfuelling cover - what's covered | Not covered | 0 out of 5 | |
| Onward travel limit | £250 | ||
| Driving other cars - level of cover | Third party |
Table last updated January 2026. Next update January 2027. We recommend checking policies before buying.
'A mediocre policy with the odd highlight'
Dean Sobers, Which? car insurance expert, says:
People’s Choice's car insurance policy scored 60% – below the 62% average.
As with many mid-table policies, it was a bit of a mixed bag. On the plus side, it offers £5,000 of personal accident cover, which you can pay to extend up to £100,000. Personal accident cover pays out a cash lump sum if you die or suffer serious injury in a car accident.
And if you choose its hire car cover, you’ll get use of a temporary replacement vehicle for up to 28 days if yours is stolen or written off.
Areas in which it did less well included comparatively low levels of cover for personal belongings in your car - £300 (the average was £351). This also excludes items such as gadgets and phones.
The policy also doesn’t cover damage caused by accidentally using the wrong fuel in your car.
Key cover
If your keys are stolen, People's Choice includes £500 cover as standard to replace them and the locks in your car.
You can pay extra to add expanded key cover, which will pay up to £1,500 and covers costs resulting from your keys being lost, stolen or damaged.
How good is People's Choice at handling claims?
Advantage Insurance Company Limited, the underwriter of People’s Choice, accepted 95-100% of car insurance claims in 2024. This was around the average (98.8%) for the market.
Of customers who claimed, 5-10% made a complaint, which is also about average (6.9%).
How can you save money on People's Choice car insurance?
You can buy the standard People's Choice car insurance policy directly from its website, or from the following comparison websites:
- Compare the Market
- Confused.com
- Go.Compare
- MoneySuperMarket
- QuoteZone
Car insurance policies are generally cheaper to buy through comparison websites than directly online, but it's always a good idea to compare prices to see what's the best offer.
People's Choice doesn't give a discount if you buy a policy for more than one car. It may, however, be willing to offer additional discounts if you contact it at renewal to discuss what it can offer.
Want to pay monthly?
You can choose to pay your premium in one go or in monthly instalments. Paying monthly usually costs more overall. This is because paying by instalments is usually provided as a form of credit, with interest or other charges applied.
When we reviewed the People's Choice policy, its rate for paying in monthly instalments was 22.8% APR. This was more than the average rate (20.49% APR) charged among providers that told us their rates.
Instead, why not consider paying annually and spreading the cost with an interest-free purchase credit card?
The above information is correct as of December 2025.
How does People's Choice compare with other providers?
With a policy score of 60%, the standard cover from People's Choice sits behind several policies in our table – Privilege Comprehensive, Sheilas' Wheels Essentials, 1st Central Extra + Breakdown and the AA's Silver cover. They all earned 61%.
People's Choice: how can I claim?
If you need to make a claim with People's Choice car insurance, call 0333 321 9800.
- Find out more: is it worth claiming on your car insurance?
Should you buy People's Choice car insurance?
Possibly. The policy could be compelling if it’s available cheaply and you’re happy with what it offers – but we think there are more comprehensive alternatives to choose from.
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