People’s Choice Car Insurance Reviews
Discover why People’s Choice Car Insurance might be right for you. Explore genuine customer feedback, detailing service, claims, and renewals.
Learn how costs vary based on car type and driving history. See the pros and cons, from competitive initial rates to potential service issues. Understand the specific policy features offered, ensuring you choose the best level of coverage for your needs.
This concise overview aims to arm you with the knowledge to make an informed decision about People’s Choice Car Insurance. Read on for an honest examination of their services, costs, and customer experiences to guide your choice.
People’s Choice Car Insurance Customer Reviews on Trustpilot
Reading through customer reviews on Trustpilot offers a clear view of the struggles and frustrations many have with Peoples Choice car insurance. A significant number of these reviews highlight problems with service, especially when trying to make a claim or cancel a policy. Often, customers find themselves on the phone for extended periods. The phone process itself is described as tedious, with long hold times and frequent transfers.
Many reviewers express disappointment over the car insurance renewal process. For instance, Peoples Choice tends to automatically renew policies, sometimes leading to higher fees without clear communication.
This has caught many by surprise, as some customers only discover the auto-renewal after receiving a significant charge. Such practices have led to a broader discussion about transparency and customer service in the insurance industry, especially with companies like Peoples Choice and its parent company, Hastings Direct.
Cancellations are another major issue faced by customers. The company charges admin fees even during the 14-day cooling-off period, which is legally supposed to allow customers to cancel without penalty. This has caused distress among policyholders, who feel trapped and unfairly treated. Many reviews use phrases like “terrible company” and describe the insurance group as difficult to communicate with when issues arise.
Despite these challenges, there are occasional positive remarks about the low initial quotes offered by Peoples Choice. However, these are often overshadowed by the negative experiences related to service quality and policy management. The contrast between the enticing initial offers and the subsequent service experience points to a significant discrepancy that Peoples Choice needs to address.
In conclusion, while Peoples Choice car insurance may attract customers with competitive initial rates, the overall customer sentiment is overwhelmingly negative. Issues like poor communication, problematic renewal practices, and difficult cancellation processes dominate customer feedback.
Prospective customers should read these reviews carefully and consider all factors before choosing Peoples Choice as their insurer. As always, comparing car insurance quotes and reading the terms and conditions carefully can help avoid unwanted surprises and ensure better service.
Pros of People’s Choice Car Insurance Provider
- Cost-Effective Initial Rates:
- People’s Choice often offers competitive initial rates.
- They are attractive for budget-conscious customers.
- Online Functionality:
- Provides options to manage policies online.
- This feature adds convenience for tech-savvy users.
- Part of a Larger Group:
- Being part of Hastings Direct can be reassuring.
- It implies stable backing and established procedures.
- Automatic Renewal:
- Policies auto-renew, ensuring continuous coverage.
- This prevents accidental lapses in insurance.
- Coverage Options:
- Offers a range of coverage that may suit various needs.
- Includes options like windscreen cover.
Cons of People’s Choice Car Insurance Provider
- Customer Service Issues:
- Many users report poor customer service experiences.
- Difficulties with phone support are common.
- Cancellation and Admin Fees:
- Cancelling a policy can be costly.
- Admin fees apply, even during the 14-day cooling-off period.
- Renewal Price Hikes:
- Renewal quotes often increase significantly.
- This practice frustrates many customers.
- Claims Processing:
- Users find making a claim challenging and slow.
- The process can be more cumbersome than with other insurers.
- Transparency and Communication:
- Lack of clear communication about changes and terms.
- This can lead to unexpected charges and dissatisfaction.
In summary, while People’s Choice Car Insurance offers some attractive initial rates and features, potential customers should weigh these against the significant issues with service and transparency. Reading reviews and understanding the terms of your insurance policy carefully are essential steps before committing to this insurance company.
Top of Form
Bottom of Form
How much is People’s Choice Car Insurance for My Car?
The cost of People’s Choice Insurance for your car depends on various factors. These include the type of car you drive, your driving history, and where you live. Getting a personalized quote is the best way to find out how much you would pay. This ensures the price reflects your specific situation. When you apply for a quote, you provide details that help determine the cost. These details help the insurance company assess how much risk is involved in insuring you and your vehicle.
People’s Choice offers several extras that can be added to your policy. These extras provide additional protection and peace of mind. For example, you might choose to add windscreen cover or breakdown cover. Each extra will increase the overall cost of your policy. However, they can be very valuable if you need to make a claim. It’s important to consider what extras you might need before getting your quote.
This way, you can ensure that your insurance policy covers all your needs. Remember, the price of insurance and the benefits you get can vary greatly. Always check the details when you receive your quote.
People’s Choice Car Insurance Policy Features
Here is a detailed table of the policy features for People’s Choice Car Insurance:
| Feature | Included in Third Party | Included in Third Party, Fire & Theft | Included in Comprehensive |
| Liability to Third Parties | Yes | Yes | Yes |
| Fire Damage | No | Yes | Yes |
| Theft of Vehicle | No | Yes | Yes |
| Accidental Damage to Your Car | No | No | Yes |
| Windscreen Cover | No | No | Yes |
| Personal Accident Cover | No | No | Up to £5,000 |
| Medical Expenses | No | No | Up to £500 per injured person |
| Personal Belongings Cover | No | No | Up to £300 |
| Courtesy Car | No | Yes (if car is being repaired) | Yes (if car is being repaired) |
| Driving Other Cars | Yes (Third party cover) | Yes (Third party cover) | Yes (Third party cover) |
| Uninsured Driver Promise | No | No | Yes |
| Vandalism Promise | No | No | Yes |
| Driving in Europe | Yes | Yes | Yes |
| Replacement Keys and Locks | No | Up to £500 | Up to £500 |
| 24hr Helpline | No | Yes | Yes |
| Child Car Seat Cover | No | Up to £300 | Up to £300 |
This table highlights the different levels of coverage across the three policy types offered by People’s Choice, from basic third-party coverage to comprehensive plans that include a wide range of additional benefits and protections. When considering this insurance, review each level to determine which best fits your needs and always check for any updates directly from the insurer.
Conclusion
Choosing the right car insurance requires careful consideration. People’s Choice Car Insurance offers attractive initial rates and diverse coverage options. However, customer reviews frequently highlight issues. These include poor service, frustrating renewal practices, and costly cancellations.
Before deciding, weigh the pros and cons. Read customer feedback thoroughly. Understand the policy details clearly. Ensure it meets your needs without surprises.
In summary, while People’s Choice may suit budget-conscious drivers initially, potential challenges with service and transparency should not be overlooked. Always compare options to find the best insurance for your car.
Frequently Asked Question
Who Owns People’s Choice Car Insurance?
People’s Choice Car Insurance is owned by Answer Financial, a subsidiary of Allstate Corporation. Answer Financial operates as an independent insurance agency, offering a range of insurance products from various carriers, including Allstate. This setup allows for a diverse selection of insurance options for customers.
- One Click Car Insurance Reviews | Ratings & User Feedback - 9 December 2024
- People’s Choice Car Insurance Reviews | Ratings & User Feedback - 9 December 2024
- Churchill Car Insurance Reviews | DriveSure Telematics - 7 December 2024