Peoples Choice Car Insurance Review: Coverage and Features
When it comes to people’s choice car insurance here, Peoples Choice stands out as people’s choice car insurance, for its prices and service. Many customers like the affordable premiums and coverage options. As part of Hastings a well known insurer Peoples people’s Choice car insurance offers a range of policies to suit different people’s choice car insurance needs.
Reading reviews you will find many people have found Peoples Choice to be the cheapest for their car insurance. Their online platforms make it easy to both compare quotes and policies and find the one for you. The positive feedback on their claims process and support will give you peace of mind.
Read more about what customers are saying about Peoples Choice Car Insurance. Whether you want basic or full coverage understanding these will help you make a decision.
Company Info
Peoples Choice Car Insurance is a UK insurer that offers a range of cover. The insurance company however has mixed reviews from customers.
History of Peoples Choice
Peoples Choice Car Insurance was founded to offer flexible car insurance for UK drivers. The company has had periods of growth and stability. The insurer started with basic cover and then expanded to full cover.
Their company history shows they are a company willing to adapt to changing market conditions. Despite some bad customer reviews the past century the company has survived in a competitive market.
Market Position and Reputation
Peoples Choice Car Insurance has a tough position in the market. With a Trustpilot rating of 1.4 out of 5 they struggle with customer satisfaction. Reviews mention unexpected fees and big price increases at renewal.
Some customers are loyal but many are unhappy saying the service doesn’t justify the cost. This is impacting their market position and they are less of a preferred option compared to other insurers. But they still offer 24/7 claims service to attract and retain customers.
Policy Options
Peoples Choice offers 3 simple car insurance policies. These are comprehensive, third party fire and theft and third party only. Each policy is for different levels of cover and needs.
Comprehensive
Comprehensive is the most extensive policy Peoples Choice offers. It covers you for damage to your car and others and also theft and fire.
This covers:
Accidental damage to your car
Theft or fire damage
Damage to other vehicles or property
Personal belongings in the car
Windscreen replacement
Medical expenses for injuries
Comprehensive is great if you want peace of mind. It will cover any incident whether it be people’s choice in your car or another people’s choice to.
Third Party, Fire and Theft
For those who want a balance of cost and cover third party fire and theft is an option. This covers damage to other people’s choice of vehicles or property and theft and third party fire.
Includes:
Damage to other vehicles or property in an accident
Theft protection
Fire damage protection
Legal expenses
This does not cover accidental damage to your car. If your car is stolen or damaged by fire you will be covered but you’ll have to pay to repair if you’re an injured person involved in an accident that’s your fault.
Third Party Only
Third party only is the cheapest policy Peoples Choice insurance offers. It meets the minimum requirements to drive in the UK.
This covers:
Damage to other vehicles or property in an accident
Injuries to other people caused by your car
Does not cover your insurance for own vehicle. This insurance is best if you have an old or cheap car and you just need van insurance for compliance without extra cost.
Each policy has different levels of cover and cost so you can choose according to your needs and budget.
Customer Experience
Peoples Choice Car Insurance customers have mixed feedback about their customer service. Below are the support channels and customer reviews.
Support Channels
Peoples Choice Car Insurance has multiple support channels. You can contact them by phone, email or through their website. For urgent matters like a claim their 24/7 claims line is available 7 days a week on 0333 321 9800.
The phone line is for immediate issues. Email is for less urgent matters and their website has a FAQ section. Unfortunately some customers report long wait times and difficulty getting a response.
Accessibility is a problem especially for those who need quick answers clear communication.
Customer Reviews
Customer reviews on Trustpilot are shocking. Many customers are unhappy with extra fees they weren’t expecting, like a £30 admin fee or a huge increase in renewal costs from previous years. Some have even called it a scam and warned others to avoid it.
Several negative reviews mention poor communication. Long term customers felt unsupported and misled. Trustpilot rating of 1.4 out of 5.
But not all is negative; some find the price competitive at first. But service issues seem to outweigh the good so many are looking to switch.
Claims Process
Understanding the claims process for Peoples Choice Car Insurance is important to make informed decisions. This includes how to start a claim and how long it takes to resolve.
Starting a Claim
To start a claim with Peoples Choice Car Insurance you need to call the claims line on 0333 321 9800 which is open 24/7. This dedicated line is for immediate support whenever an incident happens. You will need to provide:
Date, time and location of the incident
Names and contact details of all parties involved
These are important to process your claim quickly. Keep any related documents handy so it’s smooth and quick to start a claim. They don’t have online claim form so phone contact is required.
Claim Resolution Time
Many users find the claim resolution process with Peoples Choice slow and tedious. The fault claim and process takes longer than other insurers and communication is not transparent.
Customers are not updated on claim status. Despite the cheap initial price, the delay in processing claims can be a big minus. Be prepared for delays and follow up regularly to get updates on your claim.
Costs and Premiums
Your car insurance with Peoples Choice will cost depends on your driving history and the type of cover you choose. There are also discounts and offers that can reduce your premiums.
What Affects the Rate
Driving History: Your driving record counts. If you have a clean driving history you will get a lower premium. Accidents and traffic violations will increase your rate.
Vehicle: The make, model and age of your car affects your premium. Newer and more expensive cars cost more to insure. Cars with advanced safety features may get discounts.
Usage: How often and what you use your car for can affect your premium. Cars used for commuting or business will cost more than those used occasionally for personal trips.
Location: Where you live and park your car can impact your premium. Areas with high crime or traffic accidents will have higher premiums.
Cover Levels: The type comprehensive cover and amount of breakdown cover that you choose will affect your price. Comprehensive and collision cover cost more than basic liability personal accident cover.
Discounts and Offers
Peoples Choice have various discounts to reduce your premium.
No Claims Bonus: If you haven’t made any claims in a certain two weeks, period you can get a big discount on your premium.
Multi Car Discount: Insuring more than one car with Peoples Choice can get you a discount on several cars.
Security Features: Installing security devices like alarms, immobilisers and tracking systems in your car can reduce your premium.
Policy Bundling: Bundling your car insurance with other types of insurance from the same provider can get you a discount.
Advanced Purchase: Buying your policy in advance rather than last minute can sometimes get them pay you more money at a lower price.
These discounts may vary so check with Peoples Choice for the latest offers and eligibility.
Cover Options
Peoples Choice Car Insurance has various cover options including standard covers and several add-ons. It’s also good to know what’s not covered by other cars under their policy.
Add-ons and Extras
Peoples Choice Car Insurance have several add-ons to top up your policy. One of optional extras is breakdown cover which helps you if your car breaks down and needs roadside assistance.
Another is legal expenses cover which helps with the cost of legal claims after an accident.
You can also opt for no-claims discount (NCD) protection. This allows you to make a few claims without affecting your discount. They also have personal belongings cover to protect the personal belongings and items inside your car.
Some policies have windscreen cover for repairs or replacement without affecting your NCD. If you travel frequently to Europe, European cover can be a useful add-on which covers you while driving in Europe.
What’s Not Covered
Peoples Choice Car Insurance have several exclusions. For example the policy doesn’t cover wear and tear which means any expenses related to the normal aging or deterioration of your car is not included.
Customisation usually isn’t covered unless you declare it upfront.
Uninsured driving or driving without a valid licence is another common exclusion.
Damage from intentional acts or negligence like leaving your car unlocked won’t be covered.
Injuries or damage from participating in motorsports or using your car for hire van insurance or reward purposes are excluded from the policy.
Do you want to know any more detail about any of these?
Policy Management and Online Access
Managing your policy with Peoples Choice Car Insurance is through their online portal and mobile app and policy amendment and automatic renewal of process.
Online Portal and Mobile App
Peoples Choice have an online portal where you can manage your car insurance policy. The portal is easy to use and gives you easy access to your insurance policy and car details online, billing information and claims tracking. You can also update your personal details and view documents like your insurance certificate.
For those who prefer mobile access, the Peoples Choice mobile app has similar functionality. The app is available on iOS and Android. You can access your policy on the go, make payments and get help with claims directly from your phone. The app is user friendly so you can manage your insurance anywhere.
Policy Amendments and Renewals
Amending your Peoples Choice car insurance policy is easy but there are fees involved. For example changing car details like updating your vehicle or adding a driver will incur a £30 administration fee. Make sure to provide accurate information promptly to avoid extra charges or policy or cancellation fee.
Renewing auto renew of your policy is part of the management process. You will receive a renewal notice a few weeks in advance. Make sure you read this notice carefully as it will outline any unexpected charges, changes to the terms or cost. If you don’t renew, not informing them may incur extra costs. To avoid this, make sure you communicate your intentions clearly and promptly either through the online portal or customer service.
For more info read customer reviews about their service and policy management.
Comparison
To help you decide on Peoples Choice car insurance let’s compare it to competitors and compare quotes to industry benchmarks.
Competitor Comparison
Peoples Choice car insurance has a Trustpilot rating of 1.4 out of 5 which is very poor. LV car insurance has five star rating with a policy score of 78% and high customer satisfaction.
Pricing is good for the first year but many customers have issues with auto renewal and the cost is much higher. You also have to pay to call in to cancel auto renewal which is cheaper cover not as convenient as others who have online management.
Compare this is high compared to Direct Line who have more online services and more consistent pricing.
Industry Benchmarks
According to industry standards a good car insurance company should have high customer satisfaction across metrics like claims processing, customer service and policy flexibility. Peoples Choice is lacking in most of these areas.
LV guarantee repairs for life of the vehicle, Peoples Choice doesn’t so that might be a concern for some people’s choice for some.
The average Trustpilot score for top car insurance providers is above 4.0 so Peoples. Choice insurance the average rating of 1.4 is very low which means there are many service related issues and general dissatisfaction.
When it comes to 24 hour claim lines Peoples Choice meets this industry standard, they have 24/7 support which is important for emergency situations.