Go Girl vs Peoples Choice
Comprehensive comparison of Go Girl and Peoples Choice car insurance. Our expert analysis examines pricing, coverage, customer service, and claims handling to help you choose the right provider for your needs.
Key Comparison Insights
Overall Recommendation
Choose Go Girl for tailored young driver features. Go with Peoples Choice if youre bundling multiple vehicles or drivers.
Pricing Analysis
Both are low-cost options, but Go Girl tends to be 5–10% cheaper for young female drivers with clean records. Peoples Choice sometimes edges out on mu...
UK Market Context
UK average car insurance premium is £694(Association of British Insurers). See how Go Girl and Peoples Choicecompare to this benchmark in our detailed analysis below.
Company Information Comparison
| Feature | Go Girl | Peoples Choice |
|---|---|---|
| Established | 2015 | 2010 |
| Underwriter | Sabre Insurance Group PLC | Hastings Insurance Services Limited |
| Market Position | Budget | Budget |
| Customer Service Hours | 365 days: 9am–9pm | Mon–Fri: 9am–5pm |
| Claims Satisfaction | 4.0 | 4.1 |
| Financial Strength | A | A– |
| Mobile App Rating | 4.0 | 3.8 |
Policy Features Comparison
| Feature | Go Girl | Peoples Choice |
|---|---|---|
No Claims Discount Years protected | Up to 1 years | Up to 3 years |
Telematics Option | ||
| Multi-Car Discount | ||
New for Old Replacement Vehicle age limit | Up to 0 years | Up to 0 years |
Uninsured Driver Promise | ||
| Paperless Discount |
Starting Premium
£320.00
Go Girl
£240.00
Peoples Choice
Maximum Cover
£5,000,000
Go Girl
£5,000,000
Peoples Choice
Total Policies
3
Go Girl
3
Peoples Choice
Comprehensive Cover
Full Coverage
Go Girl
Full Coverage
Peoples Choice
Premium Analysis
Features Comparison
Policy Type Distribution
Go Girl
Comprehensive
1
Third Party Fire & Theft
1
Peoples Choice
Comprehensive
1
Third Party Fire & Theft
1
In-Depth Comparison Analysis
Expert Comparison Analysis: Go Girl vs Peoples Choice
Our comprehensive analysis compares Go Girl and Peoples Choiceacross multiple dimensions including pricing, coverage options, customer service quality, and claims handling. This detailed comparison is based on real policy data, customer feedback, and market research to help you make an informed decision about your car insurance.
Overall Verdict
Choose Go Girl for tailored young driver features. Go with Peoples Choice if youre bundling multiple vehicles or drivers.
Detailed Head-to-Head Analysis
Pricing & Value Analysis
Both are low-cost options, but Go Girl tends to be 5–10% cheaper for young female drivers with clean records. Peoples Choice sometimes edges out on multi-driver quotes.
Go Girl
Average: £420.00
Peoples Choice
Average: £326.67
Coverage & Benefits Comparison
Go Girl includes handbag cover and child seat replacement as standard, appealing to young mothers. Peoples Choice offers more generic coverage but with slightly higher third-party limits.
Customer Service Comparison
Go Girl’s online platform is fast and clear, but customer service is only available during office hours. Peoples Choice uses outsourced agents with variable satisfaction levels.
Claims Process Analysis
Go Girl generally settles smaller claims quickly, within 5 days. Peoples Choice has slower average times but handles complex cases well.
Key Differentiators
Go Girl targets young female drivers specifically
Peoples Choice offers broader family and joint driver discounts
Go Girl includes lifestyle-focused benefits like handbag cover
Peoples Choice focuses on generic, low-cost third-party plans
Go Girl has better claims reputation for fast turnarounds
Which Should You Choose? Real-World Scenarios
New Driver (Age 18-25)
First-time driver looking for affordable coverage with good support
Based on pricing for young drivers, available discounts, and customer support quality
Family with Multiple Cars
Two adults with 2-3 vehicles needing comprehensive coverage
Considering multi-car discounts, family-friendly features, and overall value
Senior Driver (65+)
Experienced driver seeking reliable coverage with excellent customer service
Based on senior-specific benefits, claims handling, and service quality
Business Vehicle
Commercial use requiring business insurance coverage
Evaluating business coverage options, commercial claims handling, and fleet discounts
UK Car Insurance Market Context
Understanding how Go Girl and Peoples Choice fit within the broader UK car insurance market helps contextualize this comparison. The following statistics provide insight into current market conditions.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Detailed Real-World Analysis
A 25-year-old mother in Reading might get £320 from Go Girl with child seat protection included, versus £345 from Peoples Choice without those extras.
Our Final Recommendation
After analyzing pricing, coverage, customer service, and claims handling, here's our recommendation for different customer profiles:
Choose Go Girl if:
- You prioritize comprehensive service and support
- You value additional benefits and coverage options
- You don't mind paying extra for premium service
Choose Peoples Choice if:
- You're focused on getting the best value for money
- You're comfortable with essential coverage levels
- You prefer straightforward, no-frills insurance
Important: The best choice depends on your individual circumstances, driving history, vehicle type, and personal preferences. We recommend getting quotes from both providers to compare actual prices for your specific situation.
Comparison Methodology
This comparison is based on comprehensive analysis of policy documents, customer reviews, claims data, pricing information, and independent research. We maintain editorial independence and regularly update our analysis to reflect market changes. Last updated: 7/25/2025
Making Your Decision
When comparing Go Girl and Peoples Choice, consider how each provider's strengths align with your specific vehicle and driving needs. Go Girl's average premium of £420.00compared to Peoples Choice's £326.67 should be weighed against the coverage and benefits each provider offers.
Key Differences:
- Premium range and pricing structure
- Coverage limits and exclusions
- Available policy types
- Claims process and service features
Next Steps:
- Review detailed policy documents
- Check for vehicle-specific coverage
- Consider your no claims bonus
- Compare excess options and limits
Remember that the best choice depends on your individual circumstances, including your vehicle's age, make, model, your driving history, and your budget. Consider getting quotes from both providers to make a fully informed decision.