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✔ We’ll help you find the right policy, at the right price
✔ No black box requirement
✔ 24/7 UK based claims service
Specialist car insurance
For over 20 years, A Choice has been committed to finding motorists competitive car insurance. As one of the UK’s largest independent insurance brokers, we compare prices from a panel of insurers, to help find you a better deal on your premiums. We do most of the legwork and shopping around for you, so that you have access to better rates.
We provide a wide range of insurance policies for learners, young motorists, drivers with convictions and those looking to insure something specialist or uncommon. When customers struggle to get car insurance at a competitive premium from other insurers, we come in.
Our standard car insurance policies cover you for 12 months on your own policy and in your own car. We can provide competitive cover on most vehicles under 16 years old.
Car insurance with no black box requirement
We understand that some drivers prefer car insurance without a black box, which is why none of our policies require you to fit one.
As an independent insurance broker, we represent both you and the insurer. We can help you find the right policy, at the right price. What’s more, when you speak to us, you are speaking to a team of underwriters, industry specialists and trained customer service providers. So, you can rest assured you’re in safe hands.
Car insurance coverage
At A Choice, we offer three levels of insurance protection which can be tailored to meet your needs.
Third party is the minimum legal requirement for insurance protection and covers you for any damage you cause to any other person, vehicle or property.
Third Party fire and theft
This cover will provide everything under Third-party only. It will also cover fire and theft damage to your own vehicle and damage to a third-party vehicle.
Fully comprehensive car insurance is the highest level of insurance protection you can take out for your vehicle. It covers you for damage to any third party, damage to your own vehicle, accidental damage to your own vehicle, loss or damage caused by fire and theft
Car insurance classes of use
The class of use is what you use your car for daily. Do you use your car for business, driving to and from work or visiting friends and weekends away? Whatever you use your car for, it is important that you are correctly covered in the event of a claim.
Social, domestic and pleasure
This covers normal day-to-day driving such as shopping, visiting friends and going on day trips. It doesn’t include commuting to a place of work.
This provides cover as above, as well as driving to and from one fixed, permanent place of work.
Business class 1
Business class 1 car insurance covers you for social, domestic and pleasure use and driving to and from your place of work. It also covers the policy holder for short business trips between different places of work.
Business class 2
As above, but the policy covers the named driver for travelling to different places of work.
Business class 3
Includes everything that business class 2 covers and covers cars used for commercial travel, such as door to door sales, or for delivering parcels.
Note: Unfortunately, our policies do not offer cover for this class of use.
Adding business use could affect the premium as generally you’ll be driving more miles during busy periods and potentially on unfamiliar roads.
If you are unsure whether you need to add business use or not, give us a call on 0330 127 4500 and we will be able to help you.
What do I need to get a car insurance quote?
To get a car insurance quote, you’ll need to provide us with a few details.
We’ll need to know some personal details, such as your full name, date of birth, occupation and where you live.
So that we can provide you with an accurate quote, we’ll need to know the registration number, make and model of the vehicle you plan to insure. We’ll also need to know how you use your vehicle, how many miles a year you drive and where you keep your vehicle at night.
Your driving history
Tell us about any accidents, insurance claims and driving convictions from the past five years. Also, let us know about details of your No Claims Bonus if you have one.
Include details of any additional drivers you want to add to the policy.
We’ll need to know about the type of insurance protection you’re after. Choose from fully comprehensive, third party fire and theft and third party.
The voluntary excess amount you are willing to pay towards a claim.
Car insurance frequently asked questions
The standard length of the policy is 12 months from the date on which the cover starts. This will be shown in your policy schedule.
To estimate your annual mileage, take a note of how many miles you drive in a week and multiply it by 52. Or, if you’ve had your car for over a year, you can compare the mileage on last year’s MOT document. If you don’t have the documents to hand, you can use the MOT checker on GOV.UK.
Some insurers on our panel may have the facility to offer this cover to your policy. Check your policy schedule and read this in conjunction with your policy booklet to see if this cover is included on your policy. Or, call our team on 0330 127 4500
Yes, we can offer policies that can be paid in full or by monthly direct debit payments.