People’s Choice Car Insurance

People’s Choice is part of Hastings Insurance Services and they have a 5-star Defaqto rating, which means their products and benefits are excellent.

They work with some of the UK’s leading insurance providers to get you quotes for your car insurance. Their UK based claims line is open seven days a week, 24 hours a day on 0844 8000 722

People’s Choice car insurance includes a vandalism promise, so if your car is damaged by vandals and you need to make a claim, you won’t lose your no claims bonus.

Terms and conditions will apply to the benefits, so it’s important to check your policy wording before you buy.



People's Choice car insurance

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Comprehensive car insurance with People’s Choice includes:

  • New for old car – if your car’s badly damaged and is less than 12 months old, it will be replaced by a car of the same make, model and specification.
  • Windscreen cover.
  • Audio and navigation equipment.
  • Personal possessions.
  • Medical cover.
  • Personal accident compensation – an amount payable if you are seriously injured or killed as a result of a motor accident.
  • Child car seat replacement.
  • Theft of keys cover – if your keys are stolen, you’ll get new locks and keys.
  • Alternative accommodation – if you have an accident and can’t drive your car, you’ll be covered for all or part of the cost of travelling home by an alternative form of transport, or staying overnight in a hotel.
  • European travel – travel in Europe for up to 90 days.
  • Courtesy car – whilst your own car is being repaired.
  • 5 year guarantee on repairs.
  • Uninsured driver promise – if you have an accident that’s not your fault, but you can’t claim because the other driver isn’t insured; you won’t pay your policy excess or lose your no claims bonus when you claim off your own insurance. 

You can also add the following options:

  • Legal protection – help to recover uninsured losses if you have an accident that’s not your fault. Uninsured losses are personal injury claims, loss of earnings, car hire charges, reimbursement of your policy excess and any other out of pocket expenses.
  • Enhanced personal accident compensation – a higher level of cover than the standard amount.
  • Key protection – covers any replacement locks or keys, and will help if you are stranded because the key can’t be replaced immediately. You’ll also get up to 3 days’ car hire.  
  • Substitute vehicle –gives you access to another vehicle if your car is in for repair. This covers you if your car is stolen and not recovered, or it is written-off in an accident.

If you want complete peace of mind, another useful addition to your policy is breakdown cover.  People’s Choice offer a wide range of options:

  • Roadside – repair at the roadside or a tow to the nearest garage if the car cannot be fixed.
  • Roadside and Recovery – includes all of the benefits of Roadside cover, plus cover for you and your passengers to be transported to a destination of your choice, hire of another vehicle, or an overnight stay in bed and breakfast accommodation.
  • Roadside, Recovery and Home – all of the above, plus help at home or within one mile of where you live
  • European Cover – Roadside, Recovery and Home, plus alternative travel arrangements or a hire car.
  • Mis-fuelling – if you put the wrong fuel in your car, you’ll be covered for the tank to be drained and the parts cleaned and refuelled with a limited amount of the correct fuel.

People’s Choice is ideal for if you want to pick and choose a level of cover that suits you. If you need car insurance, get a People’s Choice car insurance quote today and see how much you could save. 

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