Are you searching for the right car insurance at a discount price? You’ll find all the usual levels of car cover through People’s Choice. And this broker, which has been given a 5-star Defaqto rating for its car insurance, promises to find you comprehensive cover at a great price. But what exactly does it offer?
Who is People’s Choice?
People’s Choice is an insurance broker that works with a panel of insurance providers to offer car, van, motorbike and home insurance.
People’s Choice is in the Hastings Insurance Group, along with Hastings Premier, Hastings Direct, Hastings Essential and Insure Pink.
People’s Choice is the trading name of Hastings Insurance Services Ltd and it works with a panel of different car insurers, including Covea Insurance, Sabre Insurance Co Ltd and Advantage Insurance Company Ltd, which is an associated company of Hastings Group.
Hastings Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority.
Third party cover is the minimum level of cover that is offered by People’s Choice. All drivers in the UK are legally required to have at least this level of car insurance. 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.
People’s Choice 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.
People’s Choice 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.
What is covered under my policy?
Cover benefits
Third party
Third party, fire and theft
Comprehensive
Liability to other people
✓
✓
✓
90-day European cover to match cover level in UK
✓
✓
✓
Fire and theft
✓
✓
Accidental damage
✓
Courtesy car
✓
Medical expenses
✓
Personal accident cover
✓
Personal belongings cover
✓
Windscreen cover
✓
Optional extras
In addition to the standard levels of cover, People’s Choice can also provide a range of additional protection to bolt onto your policy, including:
Any cover arranged through People’s Choice is likely to become invalid if any of the following arises:
Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
Your car is used for rallies, races or competitions.
You are paid to carry passengers.
You fail to pay for your premium.
You change your car during the policy term to a car that the insurer cannot cover.
You do not provide the correct documents to support your application.
Check your policy for further details to confirm your cover is valid.
How to save on your car insurance policy through People’s Choice
Having a secure location to park your car. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
Mileage reduction. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
Larger excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
Smaller car. Choosing to drive a small and safe car is likely to lower your premium.
What is my excess?
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 could in turn reduce your premium.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for People Choice?
You should call the People’s Choice claims line on 0333 321 9800 to register a claim. This is a 24-hour claim line open seven days a week. You’ll need to provide the following when making a claim:
Date, time and location of incident
Names and contact details of all parties involved
Vehicle registration numbers of all vehicles involved
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.
Frequently asked questions
Yes. If you wish, cover can start instantly.
A quote from People’s Choice is valid only on the day you obtain the quote.
Yes, People’s Choice offers policies that can be paid in full or by monthly direct debit payments.
Yes but only for existing customers in order to insure a second car. Temporary insurance cover can be taken out from one day up to 28 days and the level of cover will match the cover of the main car insurance policy.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
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