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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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Elephant
4 Stars
Elephant
Major insurance company.

(av) amounts in brackets are market average.
Address:
Capital Towers, Greyfriars Road, Cardiff. CF10 3AZ.
Associated to:
• Admiral • Diamond • 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:
Confident, pushy, poor product knowledge 6/10 (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 £72.95 including home assist (£65.50) poor 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.elephant.co.uk – Reasonable site, not difficult.
Phone Number:
Freephone: 0800 052 2168.
Comments:
Salary protection £20.95 and guaranteed hire car £28.95 are not good value. Elephant have been competitive throughout 2008. Always give them a try.

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 and males with female 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