Apricot Insurance car insurance review
We've reviewed the car insurance on offer through Apricot Insurance, which specialises in covering young drivers.
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Apricot Insurance claims to source the best deals for a tight budget. Here’s what you need to know.
Apricot Insurance is a broker that works with a panel of insurers to offer car, van, home and landlord insurance, amongst others.
Apricot Insurance previously operated under the name Byrne Insurance, which was established in 1979. The broker changed its trading name to Apricot Insurance in 2011.
Although privately owned, Apricot Insurance Services Ltd does have ownership connections with Seopa Ltd, which operates Quotezone.co.uk and ComareNI.com.
It is authorised and regulated by the Financial Conduct Authority.
Apricot Insurance’s Third party cover
Third party cover is the minimum level of cover that is offered by Apricot Insurance. All drivers in the UK are legally required to have at least this level of car insurance to be on the road. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. Though it won’t cover any damage to your own car. Don’t assume this is the cheapest because it offers the least protection. Check each cover level to see which offers the best value.
Apricot Insurance’s Third party, fire and theft cover
You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
Apricot Insurance’s Comprehensive cover
This is the highest level of cover on offer and will give the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.
Cover benefits | Third party | Third party, fire and theft | Comprehensive |
---|---|---|---|
Liability to other people | ✓ | ✓ | ✓ |
Fire and theft | – | ✓ | ✓ |
Accidental damage | – | – | ✓ |
Courtesy car | – | – | ✓ |
Windscreen cover | – | – | ✓ |
30-day European cover | – | – | ✓ |
Check your policy details carefully to ensure you have the right cover for your needs.
Apricot Insurance does offer some optional extras to provide you with more protection in certain areas. These optional extras include:
Any cover arranged through Apricot Insurance is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your car and your driving experience.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which should in turn reduce your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
There is no central claims line for Apricot Insurance. Instead, you will need to check your policy document and call the claims line listed there. This is likely to be associated with the insurance provider of your policy.
You’ll need to have your policy details and all the facts about the incident in order to make a claim.
It’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.
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