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Car insurance companies

Car insurance company reviews

By Dean Sobers

Article 1 of 15

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Few insurers are good enough to be Which? Recommended Providers - they have to combine good cover with great customer service.

Which? experts scrutinised 31 car insurers’ standard car insurance policies, and we surveyed thousands of 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.

We reviewed some of the biggest insurers in the market including: Axa, Direct Line, Aviva, Saga, Admiral, Esure, the AA, Tesco Bank and More Than.

To qualify as a Which? Recommended Provider, an insurer 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

This review reveals which insurers came out best for cover and customer service, and which scored the worst. To access this review and thousands of others, sign up for a £1 trial. Or if you're already a member, log in to see our reviews.

Best and worst car insurance
Provider Min-Max age Dealing with queries Dealing with complaints Transparency of charges Value for money Customer score Policy score Total
Subscriber only content 17-80 81% 85% 83%
Subscriber only content 17-99 77% 78% 78%
Subscriber only content 17-No limit - 71% 80% 76%
Subscriber only content 17-No limit 69% 82% 75%
Subscriber only content 17-No limit 69% 80% 74%
Subscriber only content 17-No limit - - - 63% 80% 71%
Subscriber only content 17-99 67% 74% 70%
Subscriber only content 50-No limit 62% 78% 70%
Subscriber only content 16-96 66% 73% 69%
Subscriber only content  21-90 67% 70% 69%
Subscriber only content 25-No limit 62% 74% 68%
Subscriber only content 17-84 64% 70% 67%
Subscriber only content 18-No limit 63% 71% 67%
Subscriber only content 16-96 59% 72% 66%
Subscriber only content  17-115 - - 63% 70% c 66%
Subscriber only content 16-96 - 63% 69% 66%
Subscriber only content 18-No limit 60% 69% 65%
Subscriber only content 16-96 - 59% 70% 65%
Subscriber only content 18-96 - 61% 69% 65%
Subscriber only content 17-99 58% 70% 64%
Subscriber only content Underwriter dependent - 64% 65% 64%
Subscriber only content 21-99 60% 69% 64%
Subscriber only content 21-90 58% 69% 63%
Subscriber only content 21-75 - - 61% 65% 63%
Subscriber only content 17-99 61% 65% 63%
Subscriber only content 25-85 61% 65% 63%
Subscriber only content Underwriter dependent - 63% 61% 62%
Subscriber only content Underwriter dependent 60% 59% 60%
Subscriber only content 17-90 60% 56% 58%
Subscriber only content Underwriter dependent - 59% 57% 58%
Subscriber only content 17-90 58% 57% 57%
Subscriber only content 17-90 53% 57% 55%
Average - - - - - 63% 70% 66%
Table notes: Customer score data based on a survey of 6244 policyholders in May 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.

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Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.