Peoples Choice Car Insurance Review
Peoples Choice Insurance offers straightforward, value-focused car insurance designed to be accessible to all drivers. Their policies combine essential coverage with competitive pricing.
Company & Policy Details
Company Information
Established
2010
Underwritten by
Hastings Insurance Services Limited
Market Position
Customer Service Hours
Mon–Fri: 9am–5pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A–
Mobile App
Policy Features
No Claims Discount Protection
Up to 3 years
Telematics Option
Not available
Multi-Car Discount
Not available
New for Old Replacement
Vehicles up to 0 years old
Uninsured Driver Promise
Not included
Paperless Discount
Available
Key Benefits
- Value-focused coverage options
- Simple, clear policy terms
- Accessible to all driver types
Available Features
Customer Service
Premium Range
From
£240.00
Average
£326.67
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
What makes Peoples Choice different?
We focus on providing clear, straightforward insurance that offers good value without unnecessary extras.
How do you keep premiums affordable?
We keep our processes efficient and offer essential coverage without expensive add-ons, passing savings to customers.
What cover levels are available?
We offer three levels of cover: Comprehensive, Third Party Fire & Theft, and Third Party Only.
Do you accept all types of drivers?
Yes, we consider all drivers and aim to provide competitive quotes regardless of driving history.
In-Depth Provider Analysis
Expert Analysis: Peoples Choice Car Insurance
Peoples Choice is a budget-focused car insurance broker targeting drivers who want low-cost cover via price comparison sites. It works with a panel of underwriters to match customers with affordable policies that meet legal and basic protection needs. While it lacks advanced digital tools or loyalty perks, Peoples Choice is effective at delivering stripped-down car insurance at rock-bottom prices.
Professional Editorial Review
Peoples Choice is ideal for those who want to insure a car legally and affordably, with no added extras or expectations. It does what it says on the tin — cheaply.
Market Position
A volume-based player in the aggregator-driven price war segment.
Pricing Strategy
Budget – Ultra-low-cost options prioritising affordability over experience.
Who Should Consider Peoples Choice? A Detailed Analysis
Young drivers, students, and low-mileage users seeking basic legal cover at the lowest possible cost.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
One of the most affordable entry-level options
Quick policy setup and purchase journey
Easy access via comparison platforms
Multiple underwriters improve eligibility odds
Optional extras available during quote stage
Important Considerations
Limited customer service and live support options
Inconsistent service due to underwriter variation
Few added-value features or loyalty incentives
No app or mobile claims tracking
What Makes Peoples Choice Stand Out
Aggressive pricing through price comparison channels
Simple policy structures
No-frills coverage for low-risk drivers
Wide underwriting panel for more quote variety
Online policy documents and renewals
Claims Process Analysis
Claims are processed by the underwriter named on the policy. Peoples Choice facilitates documentation, but timelines and support depend entirely on the insurer.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Customer service is limited, with most functions online. Phone support exists but can be slower due to broker-overseen structures.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Peoples Choice fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Peoples Choice's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
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
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
These market statistics help put Peoples Choice's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 7/8/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Peoples Choice
How does Peoples Choice compare to other budget insurers in terms of value for money?
Peoples Choice positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Peoples Choice's claims process?
Claims are processed by the underwriter named on the policy. Peoples Choice facilitates documentation, but timelines and support depend entirely on the insurer. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Peoples Choice suitable for young or inexperienced drivers?
Peoples Choice can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Peoples Choice for long-term coverage?
Peoples Choice has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Peoples Choice work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofPeoples Choice's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Peoples Choice for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Peoples Choice
How to Get Coverage
- Visit Peoples Choice's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Peoples Choice directly for the most accurate and up-to-date quotes for your specific situation.