Insurance

Our website compares the top UK insurance providers and their features. When buying insurance, it is important to consider the reputation of the company, as well as the cost of the cover.

Car insurance

NFU Mutual is a highly recommended car insurance provider. There are no set-up, cancellation or adjustment fees, and a courtesy car is provided as standard during repairs.
Mercedes-Benz Motor Insurance, which is available to all drivers, is also recommended. One of the policy highlights is unlimited cover for Sat Navs and audio equipment.
Another recommended provider is LV=. They offer unlimited cover on sunroofs, windows and windscreens, as well as providing a courtesy car as standard.

Cooperative Insurance is also highly rated. Features include a pro rata refund if the policy is cancelled during year one or year two, as well as unlimited cover on Sat Navs.

Personal belongings limit Courtesy car as standard APR on instalments
NFU Mutual £200.00 - £499.00 Yes From 0% to 5%
Mercedes-Benz £500.00 - £999.00 Yes From 10.1% to 30%
LV= £200.00 - £499.00 Yes From 10.1% to 30%
Cooperative Insurance £200.00 - £499.00 Yes From 10.1% to 30%

Home Insurance

One of the most highly rated home insurance providers is Hiscox. Their policies include home emergency cover as standard, as well as accidental damage cover.
The home insurance policies from NFU Mutual are also recommended. They offer a high single article limit and mobile phone cover as standard.

Ecclesiastical are another recommended home insurance provider. They were established to cover churches and church buildings, but they now offer home insurance. One of the policy highlights is the inclusion of full pipe and sewer pipe cover.

LV= are also recommended. They also offer full pipe and sewer pipe cover, as well as a high personal possessions in car limit.

Free emergency helpline Home emergency cover as standard APR on instalments
Yes Yes From 10% to 14.9%
Yes Yes From 0.1% to 9.9%
Yes Yes From 15% to 19.9%
Yes No From 20% to 29%

Pet insurance

Direct Line offer various types of policy, including essentials cover and advanced cover.More Than also offer a wide variety of policies. These include basic cover, accident only cover and premier cover.Petplan offer lifetime cover policies, which means that continual cover will be provided for ongoing conditions, providing that the policy is renewed each year.

Another pet insurance provider that offers a wide range of cover is Animal Friends. The policies range from basic to prestige, which offers a higher maximum limit.

Maximum vets fees Multipet discount Online discount
Direct Line Up to £6,000.00 15% Varies
More Than Up to £12,000.00 20% 10%
Petplan Up to £12,000.00 No 10%
Animal Friends Up to £40,000.00 10% on certain policies 0%

Travel insurance

LV= are a recommended travel insurance provider. They offer additional extras, such as winter sports cover and personal belongings cover.First Direct are also a highly rated provider. Their cover includes 24 hour emergency assistance.

If a policy with no upper age limit is required, cover can be provided by Age UK. They also cover pre-existing medical conditions, where possible.
Marks and Spencer Bank also offer travel insurance. They offer the option to include cover for winter sports, travel disruption and baggage.

Upper age limit on single trip Upper age limit on multi trip Online discount
LV= No 79 15%
First Direct 79 74 15%
Age UK No No No
Marks and Spencer Bank No (exclusions apply) No (exclusions apply) 15%

Breakdown cover

There are various levels of breakdown cover available, including roadside, home service and European travel. Some policies cover the person, while others cover the vehicle.Greenflag and AA both cover the person or the vehicle, including caravans and trailers. Cover is also provided for punctures and running out of fuel.Driver 24-7 offer cover for the vehicle only, which includes homestart, getting to your destination and hotel accommodation.

GEM Motoring Assist provide cover for the person only. Their cover includes alternative travel and a free mobile app.

Home Service European Travel Vehicle recovery
Greenflag Yes Yes Yes
AA Yes No Yes
Driver 24-7 Yes Yes Yes
GEM Motoring Assist Yes No Yes

AA also offer European travel cover for the vehicle only.When choosing an insurance provider you should consider:

  • Price
  • Customer satisfaction
  • Provider reputation