Top UK Car Insurers

uk car insurers

If you have a vehicle, you must have motor insurance to legally drive on UK roads. The UK government requires third-party insurance as the legal minimum, which means that you have to have coverage should you get into into an accident causing injury or damage to any other person, animal, vehicle or property. There are other types of motor insurance, but first you should look for an insurance company that can provide the best premium at the best value.

Here are the top UK car insurers based on customer feedback on various motoring websites. These companies were chosen according to product knowledge, ease of communication, speed of order delivery, clarity of terms and conditions, value for money, staff helpfulness and friendliness as well as overall customer experience. If you’re looking for a car insurance provider that can be trusted, consider the following companies.

IAM Surety

IAM Surety provides insurance for members of the Institute of Advanced Motorists. In 2015 the firm was voted best provider of car insurance in the UK by readers of Auto Express magazine. Customers cited the company’s value for money, keeping customers informed as well as the friendliness and helpfulness of staff.


Coming in at second place in the Auto Express survey is Co-operative, which customers said have helpful staff who keep clients informed about claims. The terms and conditions are brief and easy to understand, plus the premiums offer good value for money as well.

NFU Mutual

Friendly and communicative staff, along with policies that offer good value for money, is enough to put NFU Mutual among the top car insurers in the UK. Customers agree that the policies are absolutely worth it. Local offices make transactions easy and convenient.


Swinton is another car insurance company that has local branches, enabling policyholders to talk to staff personally. Swinton doesn’t only offer cheap deals with a price match or better quote; the company also makes sure policyholders are kept informed during a claim.

Royal & Sun Alliance

For motorists in a hurry, Royal & Sun Alliance is your best bet, with customers saying its organisation of coverage is the fastest by far. In addition, the firm’s staff are known to be exceptionally knowledgeable about policies.


Churchill’s customers commend the company’s competitive prices, saying the firm even matched a better quote elsewhere. Negotiations are welcome and Churchill will even match a comparison-site price upon request.


Ageas is another top-rated car insurance provider in the UK, with customers saying how delighted they were with how much information they were given during a claim. A strong company reputation, competitive quotes alongside clear documentation make Ageas a company to consider when you’re shopping around for insurance for your vehicle.


Saga is unique in that it specialises in cover for drivers over the age of 50. The firm has received the highest rating from Defaqto, an independent financial research company, for its Comprehensive cover. This guarantees a winning product with a wide range of benefits for policyholders. Friendly and helpful staff make sure customers get what they need, when they need it.

Other top UK car insurers to consider include Direct Line, More Than, Marks and Spencer, Lloyds, AXA, Tesco, LV and Elephant. Get your insurance cover today!