Geoffrey Car Insurance Review: Summary and Ratings
Looking for good, great value, and cheap car insurance? Geoffrey Car Insurance could be the one for you. Geoffrey Car Insurance is cheap and easy online. Customers say it’s quick and easy and often the cheapest.
Trustpilot rate Geoffrey Car Insurance 4.6/5 from over 12,000 reviews. Many say the sign up is simple and hassle free and the information is transparent before you buy.
Whether you have years of no claims or are new to car insurance, Geoffrey Car Insurance’s good service and cheap prices makes it worth a look. For reviews compare quotes, and more info check out Geoffrey Insurance Reviews.
Company
Geoffrey Insurance is a UK motor insurance provider. They offer car and pet insurance policies.
Founded as Chaucer Direct, Geoffrey Insurance has a reputation for cheap insurance. Customers say it’s simple and hassle free.
They score highly for customer service. Geoffrey Insurance respond to 99% of negative reviews within 24 hours. That’s fast.
The website is cheap and easy to use, customers can get quotes and buy policies in minutes. Many find the prices are lower than the big boys.
Here’s the details:
Cheap: Often the cheapest.
Easy to use: Simple and quick.
Good Support: Responds to feedback and queries.
Geoffrey Insurance also offer additional features with their car insurance policies so you can get more comprehensive car insurance. Customers say the price and service is good.
For more info visit the Geoffrey Insurance website.
Policy Options
Geoffrey Car Insurance offer a range of covers to suit different needs. These include comprehensive, third party, fire and theft, third party only breakdown cover. Each policy has its own benefits and limitations to suit different drivers.
Comprehensive
Comprehensive is the most comprehensive policy. It covers damage to your own vehicle and third party liabilities. Benefits include accidental damage, fire and theft. Policies often come with a courtesy car, uninsured driver promise and lost keys cover. This is the most expensive option but gives you the most protection.
Features:
Accidental damage
Fire and theft
Third party liability
Courtesy car
Uninsured driver promise
Lost keys
If you want to cover all risks and not pay out of pocket if your car is damaged or stolen.
Third Party, Fire and Theft
This policy covers third party liabilities, fire damage and theft of your vehicle. Unlike comprehensive it doesn’t cover accidental damage to your own car. A good middle of the road option if you want some extra protection without the higher premium of a comprehensive cover.
Features:
Third party liability
Fire damage
Theft
This is suitable if you drive an older car or want cheaper cover and still want to cover big risks like fire or theft.
Third Party Only
Third party only is the minimum required by law in the UK. It only covers damage to other people’s property and injuries to others. This is the cheapest option but the worst insurance company and least protection for your own vehicle.
Features:
Damage to other vehicles
Injuries to others
This is the cheapest option if you want safer car, the most cost effective solution or if you drive a very low value vehicle. Be aware though if you damage your own new car it won’t be covered.
Pricing and Payment
Geoffrey Car Insurance offers competitive pricing for different cover needs. Many customers have found their quotes were cheaper by up to £100.
You can pay your premium annually or by monthly payment. Annual payments are cheaper as they don’t incur extra fees.
If you pay monthly be aware of the high APR. The interest rate for financing your car insurance monthly is 26.9% APR which adds to the overall cost of the car insurance policy.
Key Points
Cheap: Many customers find Geoffrey’s quotes cheaper.
Annual: Often cheaper.
Monthly: 26.9% APR
Geoffrey also has a simple online process for getting quotes and buying insurance. Many users have praised the quick and easy online experience.
Some policies come with 3 days EU cover as an added bonus.
Consider these when choosing your payment option to get the best deal for your budget and needs.
Claims
Claims handling is key for any insurer. Here’s how Geoffrey Insurance handles the process, how to make a claim and what to expect during the claim.
Making a Claim
Making a claim with Geoffrey Insurance is easy. Contact their customer service which is available 7 days a week. You can call or use their online portal. Make sure you have all the necessary information to hand such as your policy number, details of the incident and any supporting documents like photos or police reports.
They pride themselves on their quick service. Once you’ve made a claim a representative will get in touch to confirm the details. They will guide you through policy details, the next steps and let you know if any further information is required. Geoffrey Insurance will keep you informed throughout the process to minimize stress and uncertainty.
Claim Outcome
Geoffrey Insurance has a good reputation for settling claims quickly. Many customers have praised the company for their fast handling and clear communication. The process involves reviewing the documents submitted, assessing the damage and paying out according to your policy terms.
While most claims are straight forward, some may require further investigation. In these cases Geoffrey Insurance will keep you updated on the progress. Although some customers have reported difficulty with claims, most feedback is positive and reflects the insurer’s commitment to customer service. For customer reviews see here.
By settling claims quickly and transparently Geoffrey Insurance is building trust with their customers. See their Trustpilot review for more customer reviews.
Customer Experience
When you buy Geoffrey Car Insurance your customer experience is fast and clear.
Many customers say the whole process was easy and stress free. From getting a quote to getting documents by email each step is simple.
Several reviews mention they keep to their word like calling back when they say they will. This is a big plus compared to other insurers.
They respond quickly. 99% of negative reviews are replied to within 24 hours.
Here are some of the things you’ll like:
Quick Responses: Instant answers to your questions and concerns.
Clear Documents: Documents sent by email.
User Friendly Website: Easy to navigate and simple information.
Customers also found the website easy to use and made the whole insurance renewal process easier.
In short they want to make it easy and stress free for you, taking payments, responding quickly and providing clear and helpful information throughout.
Discounts and Savings
To save on your car insurance Geoffrey Insurance has several good prices and discounts.
No Claims Discount
One of the biggest savings is the No Claims Discount. If you haven’t made a claim for a certain period you can get a discount on your premium. This can add up to big savings over time.
Multi Car Discount
If you have more than one car you can get the Multi Car Discount. You can insure multiple cars under the one policy, it’s convenient and cost effective.
Family Discount
Geoffrey Insurance also has a Family Discount. If you add family members to your policy you can get a discount. It’s a great way to save money if you have multiple drivers in your household.
Online Discount
For those who like to do things online there is an Online Discount. Buying your policy online saves you money compared to traditional methods. Plus you can manage your policy from anywhere.
Limited Mileage Discount
If you don’t drive much you can get a Limited Mileage Discount. By committing to drive fewer miles you can reduce your premium. Perfect for drivers who don’t use their car often.
Discounts Table
Discount Type Benefit No Claims Discount Lower premium for no claims history Multi Car Discount Savings for insuring multiple vehicles Family Discount Discount for adding family members to your policy Online Discount Reduced cost for online policy purchases Limited Mileage Discount Reduced premium for low mileage drivers
You have multiple ways to save. Choose the discounts that apply to you and save!
Cover Limits and Exclusions
When you buy Geoffrey Car Insurance you need to be aware of the cover limits and exclusions.
Limits
Lost Keys: The policy has a reasonable limit for lost keys but may not cover all costs of replacement and locksmith fees.
Courtesy Car: You’ll get a courtesy car during repairs after an accident but this may be limited to a certain number of days.
European Union Cover: The policy has 3 days of EU cover which may not be enough for longer trips.
Exclusions
Uninsured Drivers: While there’s an uninsured driver promise read the fine print to understand what is and isn’t covered in this scenario.
Non-Monthly Payments: Monthly instalments are available but with a 26.9% APR charge. Not the most cost effective if you plan to pay gradually.
More Exclusions
Pre-existing Damage: Damage or issues that existed before the policy start won’t be covered.
Custom Modifications: Non-standard modifications to your car may not be covered under standard policy.
Usage Types: Certain types of vehicle usage, like commercial use, may not be included in the standard policy.
Read the policy terms carefully to understand what you’re covered for. More info on Trustpilot or NimbleFins.