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

Budget

Customer Service Hours

Mon–Fri: 9am–5pm

Ratings & Performance

Claims Satisfaction

4.1

Financial Strength

A–

Mobile App

3.8

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

Courtesy Car
Windscreen Cover
Legal Protection

Customer Service

Online Claims Service
24/7 Claims Helpline
UK Call Centres

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

Drivers with low mileage and good driving history
Students or young drivers on tight budgets
Customers who understand what basic insurance entails

May Not Be Suitable For

Policyholders wanting telematics or smart tools
Drivers of valuable vehicles or needing enhanced protection
Anyone expecting concierge-style claims support

Key Strengths & Advantages

1

One of the most affordable entry-level options

2

Quick policy setup and purchase journey

3

Easy access via comparison platforms

4

Multiple underwriters improve eligibility odds

5

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

Claims

Young Driver Premium Increase

+127%

Source: Confused.com Price Index

Demographics

Percentage of Drivers Switching Insurers in 2024

39%

Source: GoCompare Switching Trends Survey

Market

UK Car Insurance Market Size

31 million policies

Source: Statista UK Insurance Report

Market

Average UK Car Insurance Premium 2024

£694

Source: Association of British Insurers

Pricing

Average Cost of Car Insurance Fraud Per Case

£1,150

Source: Insurance Fraud Bureau, 2024

Risk

Customer Satisfaction Average

72%

Source: Consumer Intelligence

Service

Black Box Policy Uptake Among Drivers Under 25

51%

Source: Compare the Market, 2024 Telematics Report

Uptakes

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.

Sarah Mitchell - Insurance Expert

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:

Motor Insurance
Claims Analysis
Consumer Rights

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.