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What Is Right Choice Car Insurance?

Right Choice is a popular car insurance provider in the UK. It serves many kinds of drivers. The company is based in Romford, Essex. It has a strong reputation as a reliable insurance company. Right Choice focuses on giving customised car insurance policies. Under Right Choice Insurance Brokers (RCIB), it offers several coverage options. This means customers can find the best car insurance deal that suits their needs.

Levels of Cover: Comprehensive, Third Party, Fire & Theft, and Third Party Only

Right Choice offers three main levels of cover:

  1. Comprehensive: This type offers the best protection. It looks after your vehicle from theft, damage, and accidents. It also covers damages to other people’s vehicles. This policy gives you peace of mind with extras like breakdown cover and safeguards you from uninsured drivers.
  2. Third Party, Fire & Theft: This policy helps when other vehicles or property are damaged. It protects you if your car is stolen or catches fire. However, it does not cover any damage to your own vehicle in an accident.
  3. Third Party Only: This is the basic level you need to drive in the UK. It covers damage you cause to other people’s vehicles and property. But, it does not cover any damage to your own vehicle.
Coverage Comparison of Right Choice Car Insurance

Key Features of Right Choice Car Insurance

Right Choice is special because it has extra features like:

  • Uninsured Driver Promise: If you crash with a driver who has no insurance, this promise ensures you are still protected. It helps you feel secure while driving.
  • Breakdown Cover: Right Choice teams up with Euro Rescue and Autonational to provide great support for breakdowns. This way, you won't feel stuck on the road. The help includes roadside assistance and taking you to your chosen location, making it easier when your vehicle stops working suddenly.
  • No Claims Bonus (NCB): Drivers can save money on their costs by having a good driving history. The NCB increases each year without a claim, helping you pay less as time goes on.

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Right Choice Car Insurance Policy Summary

Key Guarantees

  • No Claims Bonus (NCB) Benefit: You can enjoy a No Claims Bonus. This bonus increases for each year you do not make a claim.
  • Uninsured Driver NCB Protection: Your NCB stays safe. It is protected even if you have an accident with a driver who does not have insurance.
  • Key Loss or Theft: You are protected if your keys are lost or stolen. However, details about excess and limits are not provided.
  • Personal Belongings: Your personal items inside the vehicle are covered, but there are no details about excess or limits.
  • Audio Equipment Protection: Your car’s audio equipment is safe. Still, information on excess and limits is missing.
  • Medical Expenses: If you get injured in an accident, your medical costs are covered, though the excess and limits are unclear.
  • Liability for Property Damage: You are covered for damaging other people's property. However, excesses and limits are not specified.
  • Legal Expenses: Legal fees for your claims are included. Details about excess or limits are not listed.
  • Courtesy Car: A courtesy car will be provided. This keeps you mobile while your car is in repair.
  • Coverage for Travel Abroad: You are covered for up to 60 days when driving in Europe.

Excess Details

  • Fire Excess: There is no information about the extra cost for fire incidents.
  • Theft Excess: The policy does not mention the extra cost for theft.
  • Accidental Damage Excess: There is no info about the extra cost for accidental damage.
  • Windscreen Replacement Excess: There is no information regarding the extra cost for replacing windscreens.
  • Young Driver Excess: There are no details about the extra cost for young drivers.

Additional Fees

  • Renewal Fee: You need to pay a renewal fee of £75.
  • Cancellation Fees: If you cancel within 14 days of buying the policy, you will pay a cancellation fee of £60. This is during the cooling-off period.
    • If you cancel after 14 days, you will owe £60 plus a part of the premium that depends on how long you had the cover.
  • Modification Fees: If you change anything during the term, the fees will be between £35 and £40.25.

This summary shows the key features of Right Choice Car Insurance. It explains important points like guarantees, excess details, and costs. This information helps customers make smart decisions.

How Much Does Right Choice Car Insurance Cost?

The price of Right Choice car insurance can vary greatly. It relies on several key factors. These factors include your age, your driving history, the type of car you drive, and your location. Younger drivers typically pay higher rates since they have less experience. Meanwhile, older drivers usually enjoy lower rates due to their greater experience.

When you want to find the best quote, think about these things. Make sure they fit your situation well.

Monthly Premiums for Right Choice Car Insurance

Here are some examples of monthly payments for different age groups:

  • 18 years old: £116.84 per month
  • 40 years old: £48.18 per month
  • 60 years old: £35.53 per month

These quotes show full car insurance policies. They can change for several reasons. These reasons include your driving record, your claims history, and any discounts you may receive, like a No Claims Bonus (NCB).

To get the best deal on car insurance, you should compare different choices. Use tools like Free Price Compare. These platforms let you enter your details and quickly receive quotes from several insurance companies. This way, you can find the coverage that fits your budget and needs. By taking some time to shop around, you can get good rates and save on your car insurance costs.

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Customer Reviews and Ratings of Right Choice

Right Choice is popular in the UK. They get positive feedback from their customers. On TrustPilot, they have a rating of 4.8 out of 5 from 17,822 reviews. This shows that many people are satisfied. Customers appreciate how simple it is to apply online and find good car insurance deals at a fair price. However, some reviews say that the claims process can take a long time. There is also no live chat option, so there are things the company can work on to improve.

Right Choice TrustPilot Reviews Breakdown

How to Manage and Cancel Your Right Choice Car Insurance Policy

You can manage your Right Choice policy easily using their online portal. You will receive alerts for renewals. If you wish to cancel your policy, you can do it at any time. Just remember that after the first 14 days, a cancellation fee may apply. The standard fee is £60.

Right Choice is a reliable option for drivers in the UK. They offer several plans if you need full coverage at good prices. Whether you need a regular insurance policy or something unique, Right Choice has choices that will help keep you safe while driving.

How to Contact Right Choice Car Insurance

Phone Numbers:

  • Customer Service: 0345 555 0666
  • Opening Hours:
    • Monday to Friday: 8 am - 8 pm
    • Saturday: 9 am - 7 pm
    • Sunday: 11 am - 4 pm
  • Claims Contacts:
    • 01708 200 639 (Alwyn Insurance)
    • 0800 240 4998 (Pukka Insurance)
    • 0345 241 0519 (All Other Motor Insurers)
    • Available 24/7
  • Breakdown Assistance Contacts:
    • 0345 600 6443 (Autoaid)
    • 01277 720 720 (Auto National)
    • +44 (0)1206 785945 (Euro Rescue)
    • Available 24/7
  • Renewals: 01708 336 518
  • Opening Hours:
    • Monday to Friday: 8 am - 8 pm
    • Saturday: 9 am - 7 pm
    • Sunday: 11 am - 4 pm
  • Mid-Adjustment or Cancellation: 01708 336 519
  • Opening Hours:
    • Monday to Friday: 8 am - 8 pm
    • Saturday: 9 am - 5 pm
    • Sunday: Closed

Other Contact Details:

  • Email Address: [email protected]
  • Customer Account Login: My Account
  • Social Media: Facebook
  • Chatbot: Available on the website
  • Mailing Address:
    • St James House,
    • 27-43 Eastern Rd,
    • Romford RM1 3NH,
    • UK

FAQs About Right Choice Car Insurance

Right Choice has several types of coverage. These include Comprehensive, Third Party Fire & Theft, and Third Party Only. Each policy is designed to meet different needs. Some policies cover the basic legal requirements. Others give more protection for your car and your passengers.

Yes, Right Choice lets you add extra features to your policy. You can pick from breakdown cover, legal protection, and key cover. These extras help you personalise your insurance. This way, it can fit your needs and situation better.

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Page last updated on: 02/12/2024

Page reviewed by: Shay Ramani

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