Prima Car Insurance Review: Full Cover and Good Service
Looking for good and cheap car insurance? Prima Car Insurance has been trusted by 2.6 million drivers across Europe for their full cover policies. Founded in Italy in 2015 Prima makes the insurance process simple and easy to understand.
Customers have rated Prima for good experience, competitive prices and good service. With a London based support team and 24/7 claims line you can get help when you need it. Check out their Trustpilot reviews for more.
If you want to read customer reviews many have mentioned quick response to queries and helpful staff. Prima’s growing popularity in the UK and Europe says it all about the service and reliability. Check out their Trustpilot page.
About the Company
Prima has been insuring cars since 2015. Founded in Italy it has quickly become a household name across Europe.
They offer the best experience with simple and easy to understand policies. They promise great value and have gained the trust of over 2.6 million drivers.
Prima has a London based support team and 24/7 claims line. Whether you need help with your policy or have a claim to make assistance is always available.
Key Facts:
Founded: 2015
Origin: Italy
Drivers: 2.6 million+
Prima is known for its good customer service. This includes a professional and helpful support team to answer any questions or queries.
Check out their website for more.
Policies
Prima Car Insurance offers various policies to suit different needs. These include Full Cover, Third Party, Fire and Theft, Third Party Only. Each policy has its own features to cover your car and your wallet.
Full Cover
Full Cover is Prima’s most comprehensive policy. It covers damage to your car in an accident and non-accident incidents such as theft, fire or natural disasters. It also covers vandalism.
Key features:
Accident damage: Repairs or replacement.
Fire and theft: Covers these risks.
Vandalism: Intentional damage.
Courtesy car: A car while yours is being repaired.
This also covers your personal items in the car and medical expenses in case of an accident.
Third Party, Fire and Theft
This policy goes beyond third party insurance by adding fire and theft cover. It doesn’t cover all damage to your own car but is one step up from the basic policy.
Under this policy third party liabilities such as injuries or damages you cause to others are covered. It also provides financial protection if your car is stolen or damaged by fire.
Key features:
Liability cover: For injuries or damages you cause.
Fire damage cover: Car fires.
Theft cover: If your car is stolen.
This is if you want more than the basics but not full cover.
Third Party Only
Third Party Only is the most basic and cheapest policy offered by Prima. It covers you for liabilities if you damage someone else’s property or injure someone in an accident.
It doesn’t cover damage to your own vehicle but meets the minimum car insurance requirements in the UK.
Key features:
Legal liability cover: For damages or injuries to others.
Cheapest option: Typically the lowest price.
This is if you want bare bones cover to meet the minimum requirements without extra benefits.
Pricing and Value for Money
Prima Car Insurance offers competitive prices and various discounts to make cover available to many drivers. This section will help you see how Prima’s pricing compares to others and the deals you may be eligible for.
Price Comparison
Prima’s car insurance is cheap, from £200 a year. Compared to others, Prima is one of the cheapest.
Not only is Prima cheap, Prima is also backed by well known financial institutions like Goldman Sachs and Blackstone which adds to the credibility. The policy has comprehensive cover which gives you peace of mind without burning a hole in your pocket.
When you compare Prima to other big UK car insurers you’ll find many don’t offer the same level of comprehensive cover at the same price. This makes Prima a good option if budget is a big consideration for you.
Discounts and Offers
Prima has various discounts that can reduce your premium even more. These include no-claims discounts, multi-car discounts and other offers that can add up to big savings.
No-claims discounts reward you for being claim free. The longer you go without making a claim the bigger the discount gets. Multi-car discounts are for families or households with more than one vehicle, to insure multiple cars under one policy at a lower rate.
Plus Prima sometimes has promotional deals for new customers so it’s always worth checking if there are any current offers or deals available to get you more savings.
Customer Experience
Prime Car Insurance puts efficient claims handling, multiple contact channels and excellent customer service and feedback at the top of the list.
Claims
Prima Car Insurance aims to make the claims process smooth and hassle free. Many customers have said their claims were processed quickly and without any fuss. Clear communication and guidance throughout the claim process.
For example a customer on Trustpilot said they renewed with Prima because of the simple claims process. They liked the quick response and prompt call resolution so they have confidence in Prima’s service.
Contact Channels
Prima has multiple contact channels to ensure customers can get help whenever they need it. You can contact via phone, email or live chat. These options are flexible depending on your preference or the urgency of your query.
Real time support is great for urgent issues, email support is good for less urgent questions. A customer on Trustpilot praised Prima for their fast and helpful responses, said the support channels are efficient.
Customer Reviews
Customer reviews are generally positive about Prima’s service. On Trustpilot thousands of reviews give Prima 4 stars. But some customers have raised issues like unexpected charges so there’s room for improvement.
Prima is actively engaging with customer reviews. They respond to reviewers both positive and negative comments to show they are listening and addressing the issues and improving their service. This transparency builds trust with their customers.
Simple
Prima car insurance is simple and straightforward. From getting a quote to making a claim the process is designed to be easy and fuss free.
One of the main features is the online portal. You can manage your policy, make changes and even renew your insurance without having to speak to a person.
If you prefer to talk to someone there is a London based support team who are helpful and quick to get you the information you hope you need.
Making a claim is easy too. You can do it online and there’s a 24/7 claims line if you need help immediately. So you can get help whenever you need it.
Here are some more features that make it simple:
Clear policies: Prima has a comprehensive but easy to read policy.
Affordable: Policies from £200 per year.
Lost keys: Up to £1,500 cover limit if you lose your keys.
Courtesy car: While your own car is being repaired.
These features are to make your life easier and give you the cover you need without the hassle. Prima’s simple processes and support sets them apart from many other insurers.
Visit their website for more information.
Policy Management
Managing your Prima car insurance policy is simple and accessible. You can do many things online or on paper so it’s suitable for everyone.
Online Services
Prima has a robust online platform where you can view and update your policy details. You can download documents, check your cover and make payments. The website is user friendly so even non techy people can navigate.
Plus you have 24/7 access to information so you can manage your policy at any time. If you need help the London based support team are available to chat or email. Making changes like updating your due date, address or adding a driver can often be done in a couple of clicks.
Paperwork
For those who prefer the old fashioned way Prima also does paperwork well. Policy documents, claims forms and correspondence with previous insurer are processed quickly. You can request a physical copy of your policy so you can have a hard copy for your records.
Sending claims or updates by post is a simple and straightforward process. Prima give clear instructions on how to fill in the forms and where to send them. This is useful for those who are not comfortable with online services or need more personal document centric interactions. They will ensure all your paperwork needs are met quickly and accurately.
Financial Strength and Rating
Financial strength and stability of Prima Car Insurance is important to check. This means looking at their solvency ratio and credit rating.
Solvency Ratio
The solvency ratio is an important indicator of an insurer’s financial health. It measures the company’s ability to meet its long term liabilities and commitments. For Prima the solvency ratio means their ability to pay claims and other financial obligations.
A high solvency ratio means Prima is well equipped to handle unexpected claims and economic downturns. Having Prima maintain a robust solvency ratio gives you peace of mind confident in their stability and service.
Credit ratings give an insight into an insurer’s creditworthiness as evaluated by independent agencies. These ratings will help you understand how likely Prima is to pay their financial obligations.
Agencies like Moody’s, Standard & Poor’s and Fitch provide these ratings based on the insurer and various financial metrics. Prima has good ratings which means they are a low risk choice for customers looking for car insurance. This is backed by the support of big financial institutions like Goldman Sachs and Blackstone.
Prima’s good credit ratings means they can pay out claims and manage long term liabilities.
Extras and Features
Prima car insurance has several extras and features to make them competitive.
Courtesy Car: If your car is being repaired Prima will provide a courtesy car so you can be on the road.
24/7 Claims Line: You can call the 24/7 claims line. So you can report incidents and get help anytime.
Key Cover: The policy covers the cost of lost keys up to £1,500. Useful for those who misplace their keys often.
Customer Support: London based support team to help with any questions or issues.
Multi-Driver Policy: You can add multiple drivers to your policy. Useful if more than one person needs to drive the insured vehicle.
Affordable: Prima is known for being good value for money with prices starting from £200 per year. So it’s a cheap option for many drivers.
Trusted: Over 2.6 million drivers across Europe trust Prima since 2015.
Prima car insurance has it all. Check Prima Reviews or Prima Car Insurance.