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Price comparison companies

• Best Advice UK
• gocompare.com
• Moneysupermarket
• Tesco Compare

List of companies
(analysed by Matthews Guide)

• AA Insurance
• Admiral
• AIG Direct

• Asda
• Auto Direct
• Aviva
• Barclays Insurance
• Bell Direct
• Bradford & Bingley
• Budget
• Churchill
• CIS

• Dial Direct
• Diamond
• Direct Choice
• Direct Line
• E Car Insurance
• E Sure
• easyMoney.com
• Egg
• Elephant
• Endsleigh
• First Alternative
• Ford
• Halifax
• Hastings
• HSBC Insurance
• Insure & Go
• Insure it all
• its4me
• Kwik Fit
• Lancaster Insurance
• Liverpool Victoria
• Lloyds TSB
• Marks & Spencer
• Masterquote
• Mercedes
• More Than
• Nationwide
• NatWest
• Nissan
• Peoples Choice
• Privilege
• Prudential
• Quinn Direct
• RAC
• Rias
• Royal Bank
of Scotland

• Saga
• Sainsbury's
• Screentrade
• Sheilas Wheels
• Swiftcover.com
• Swinton
• Tesco
• The Post Office
• Toyota
• Vauxhall
• Virgin
• Volvo
• What Car Insurance
• YES Insurance
• Yorkshire Bank
• Zurich

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Diamond
4 Stars
Diamond
Major insurance company.

Awards:
• Runner-up Best for Lady Drivers.

(av) amounts in brackets are market average.
Address:
Capital Towers, Greyfriars Road, Cardiff. CF10 3AZ.
Associated to:
• Admiral • Elephant • Bell Direct.
APR on instalments:
If you pay buy instalments you lose your internet discount (10% extra).
Deposit then 11 monthly payments by
direct debit average.
Paying by instalments means that a premium of £413 via the internet becomes £516 on instalments and a premium of £1131 becomes £1768.
Cancellation charges:
Pro rata plus £45 (£42) admin fee.
Courtesy car:
£29.95 (£24) poor value.
Foreign Use:
90 days free (69 free days) good. Notify your company of any trip abroad before going.
Legal protection:
Included free (£21) good.
Maximum age for new business:
79 years-of-age.
Personal accident cover:
Up to £5,000.
For £24.95 an extra £30,000 of cover for named drivers and passengers.
Policy amendment fee:
£17.50 (£16.75) average.
Protected no claims discount:
Do not pay more than 10% extra guaranteed NCD available. Includes additional compulsory excess.
Guaranteed Bonus also available.
NB extra compulsory excess.
Staff:
Over pushy, poor product knowledge 5/10 (7/10).
Standard use of car:
Social only, extra use costs more.
Some occupations are social use only.
Stereo & personal effects cover:
Stereo up to £750.
Personal effects up to £100.
Vehicle breakdown:
Call Assist. Basic cover price £55 including home assist (£65.50) good value.
Voluntary excess available:
• £50 • £100 • £150 • £250 • £350
• £500 • £750 • £1000
Windscreen Cover:
Included free. Excess £70 (£63) poor value.
Cards Accepted:
• Major Credit/Debit cards.
Website:
www.diamond.co.uk – Reasonable site, not difficult.
Phone Number:
Freephone: 0800 36 24 36.
Comments:
Excellent prices for the girls, especially under 30. Always try. Although aimed at females Admiral can often offer better rates for the girls.

Special Offers

Motor or Home
legal protection policies...
from £9.99

Guaranteed courtesy car...
for only £16.99

Breakdown cover
including home start...
for only £42.50

Go to offers page.


Best Advice UK
www.bestadviceuk.co.uk

http://www.localmotoring.com
w
ww.localmotoring.com

Legal Cover

Company summary:

• Always competitive on drivers with less than maximum no claims discount.

• Not competitive on under twenty-one year olds at the moment. Good value on protected no claims discount although excess is increased.

• Charge extra if you have children under 16 years of age. Charge extra based on length of residency.

• Good discounts if you have additional drivers over 30 years of age with good length of driving experience without problems ie claims and points on licence.

• Better rates for females with male additional drivers.

• Charge extra if you have been involved in an accident in last 3 years, even if it is NON FAULT.

• Expensive breakdown cover.

• Good company. Sales staff can be over aggresive.

• Claims have to be declared in the last 3 years with Admiral Group (5 years is the norm).

• The Admiral Group are very slow at giving refunds to clients for cancellation of policy etc. (seems a bit unfair as they are very quick at taking clients money for new policies and renewals etc.).

• Named drivers now earn no claims bonus with the Admiral Group.

Tel: 01782 838404 • Email: info@matthewsguide.co.uk
The Matthews Guide to Motor Insurance – Independent Insurance Advice