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What Is Quote Detective Car Insurance?

Quote Detective provides several motor insurance policies. These policies fit various driving situations. You can find coverage for young drivers, drivers with convictions, and for modified or non-standard cars. The insurance company collaborates with different insurers. This helps find the best deal for each driver. This way, you get full protection without paying too much.

Policies Offered by Quote Detective:

  • Comprehensive cover: This type protects you from theft, fire, damage to your car, and injuries to others.
  • Third-party, fire, and theft cover: This covers any damage you might cause to other people. It also helps with issues related to fire or theft.
  • Third-party only cover: This is the minimum required by law. It only covers damage to other people's property.

These easy-to-use policies support drivers with varying levels of driving experience. They can discover the right and affordable insurance that meets their needs.

Policy Choose by Quote Detactive Customers

Quote Detective Car Insurance Policy Overview

Quote Detective car insurance provides several benefits and options for full coverage. Here’s a simple breakdown of the key features in their policies. This will help you see what you can get.

Key Features and Benefits

Feature At Quote Detective
No Claims Bonus (NCB) Available, increases each year without a claim.
Uninsured driver NCB protection Yes, protects NCB if hit by an uninsured driver.
Loss or theft of keys Covered under certain policies.
Personal belongings cover Not included.
Audio equipment cover Not included.
Medical expenses Not covered.
Liability limit for property damage Included, standard limits apply.
Legal expenses cover Available as an optional extra.
Courtesy car Provided as standard for 14 days in case of repair.
Coverage abroad Not included as standard, but can be added.
Excess Fees Breakdown for Quote Detactive Policies

Excess Details

Quote Detective shows several added fees based on the type of incident.

Type of Excess At Quote Detective
Fire excess Standard fire excess applies.
Theft excess Standard theft excess applies.
Accidental damage excess Standard accidental damage excess applies.
Windscreen replacement excess Covered, excess varies depending on repair type.
Young driver excess No additional young driver excess.

Administrative Fees

Quote Detective has simple admin fees. This helps people with policies know their responsibilities clearly.

Admin Fee Type At Quote Detective
Interest on payment installments Variable interest based on policy terms.
Renewal fees No additional renewal fees.
Cancellation fees (cooling off) £100 within the cooling-off period.
Cancellation fees (outside cooling off) £50 after the cooling-off period.
Modification fees £35 adjustment fee for policy changes.

This summary helps you understand Quote Detective's car insurance policy. It provides details about coverage, extra fees, and admin costs.

How to Get a Quote Detective Car Insurance Quote

Getting a Quote

Getting a car insurance quote from Quote Detective is easy. It doesn't matter if you are a young driver, have a conviction, or own a modified car. Just follow these steps to get your personalised quote quickly:

  • Provide Vehicle Details: Share some basic information about your vehicle. This includes the make, model, and year.
  • Driving History: Talk about your driving experience. Make sure to mention any past tickets or claims you have.
  • Select Coverage Options: Choose the type of coverage you need. You can choose from comprehensive, third-party, or third-party fire and theft.
  • Add Optional Extras: Pick extra coverage for things like windscreen repairs, a courtesy car, and legal fees.
  • Review and Compare: After you send your information, Quote Detective will check options from their insurers. They will help you find the best deal.

Quote Detective is now working with Next Risk Solutions. This partnership allows you to get quotes that are tailored just for you. This is true even if other insurance companies see you as high-risk.

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What Are the Benefits of Quote Detective for Young Drivers?

Young drivers usually have to pay more for insurance. This is mainly due to their lack of driving experience. However, Quote Detective is here to help. They offer special options for young drivers. A good option is their black box insurance, which can help reduce costs for them.

Benefits for Young Drivers:

  • Black box insurance: This type of insurance checks how you drive. If you drive safely, you may pay less for your insurance premium.
  • No claims discount (NCD): Young drivers can save money in the future. As long as they keep a good driving record, they can benefit from an NCD.
  • Flexible payment options: Quote Detective makes it simple to pay your insurance premium. You can choose to pay in installments.

These policies aim to reduce the cost of insurance.

They also encourage safe driving habits.

Quote Detective Car Insurance Discounts

Quote Detective helps you save money on car insurance. Here are some tips to lower your coverage cost:

Discount Who qualifies?
No Claims Discount Each year you don't make a claim, your No Claims Discount will increase, reducing your premium.
Pay upfront Pay your full premium at the start of the policy to save on interest costs (variable APR applies).
Buy your policy early Purchasing your policy a few weeks before the start date can often lead to savings.

These easy steps can help you save on your insurance costs. You can still get good coverage with Quote Detective.

Optional Extras with Quote Detective Car Insurance

Quote Detective has several optional extras for your car insurance. You can customise your insurance policy to match your specific needs.

Optional Extras Include:

  • Windscreen cover: This can help you save money when you need to fix or replace your windscreen. It won't change your no claims discount.
  • Courtesy car: This gives you a temporary car while yours is getting fixed after an accident.
  • Legal expenses cover: This helps you pay for legal costs if there’s a claim or problem after an accident.
  • Breakdown cover: This offers extra support for issues on the road and towing your car.

These extras provide you with extra protection. They help keep you safe in a variety of situations.

Optional Extras with Quote Detective Car Insurance

How Does Quote Detective Handle Policy Cancellations?

Cancelling your Quote Detective car insurance policy is simple. First, you should know about the cancellation fees. These fees are often higher than what other insurance companies charge. To prevent any surprises, read the Terms & Conditions before you move forward.

Key Points to Know:

  • Cooling-off period: You can cancel within 14 days and may get some money back. However, you will lose any admin fees.
  • After the cooling-off period: If you cancel after 14 days, you will need to pay standard fees. You might also need to cover any unpaid premiums for the time you had coverage.
  • Non-refundable fees: Some fees, like policy arrangement fees, cannot be refunded, even if you cancel during the cooling-off period.

Steps to Cancel Your Policy:

  1. Get in touch with customer service: You can start the cancellation by reaching out to Quote Detective’s customer service by phone or email.
  2. Understand the cancellation fees: Find out about the fees that may apply, especially if you cancel after the cooling-off period.
  3. Receive your refund: Any refund you may get will be processed after deducting the cancellation and admin fees.

If you have questions or worries about your policy or how to cancel it, you can contact Quote Detective’s customer service team. They are here to help you.

Admin and Cancellation Fees for Quote Detective

The table below shows the fees for managing and canceling Quote Detective policies. These fees can change based on the details of your policy. You may also have extra fees from the insurer.

Fee Type Fee Amount Details
Policy Arrangement Fees £125 This fee is non-refundable in case of cancellation, even during the cooling-off period.
Making a Change to a Policy £45 Applied if you need to update details or make any adjustments to your policy.
Duplicate Documentation £25 Charged for issuing duplicate copies of your insurance documents.
Cancellation Fee £75 + insurer fee This fee applies if you choose to cancel after the cooling-off period. Insurer fees may also apply.

These fees show how important it is to check your policy details. You should look for any extra costs before you choose to change or cancel your policy.

If you want to know more, Quote Detective shares all the details about the fees in their Terms & Conditions. You can see this information at the bottom of their website. It is smart to reach out to customer service if you have questions about your policy or cancellation.

How to Make a Claim with Quote Detective Car Insurance

Filing a claim with Quote Detective is easy and simple. If you want to claim for theft, damage, or an accident, Quote Detective can help. They work with many insurance companies. This helps to get your claim processed quickly.

How to File a Claim:

  1. Report the incident: Call or email Quote Detective to tell them about your claim.
  2. Provide documentation: Send any documents that back your claim. This can include photos, police reports, and witness statements.
  3. Work with the insurer: After your claim is processed, Quote Detective will work with the insurer to manage repairs or refunds.

Having windscreen cover or a courtesy car can make things easier while your claim is being worked on.

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Why Choose Quote Detective for High-Risk Drivers?

Quote Detective is useful for drivers with higher risks who need insurance. If you have a conviction, are a young driver, or own a unique vehicle, Quote Detective can help you. They make sure you get the right motor insurance for your needs.

Why High-Risk Drivers Should Consider Quote Detective:

  • Special policies: There are choices for drivers with convictions, modified cars, or special needs.
  • NCD protection: Drivers with higher risks can start to build their No Claims Discount over time.
  • Flexible coverage: You can pick from comprehensive, third-party, or third-party fire and theft policies. You can add extra options like breakdown help and windscreen protection.

Quote Detective is partnering with Next Risk Solutions Limited to offer insurance policies. This collaboration makes Quote Detective a reliable option for people seeking special insurance coverage.

What Types of Insurance Does Quote Detective Offer?

Quote Detective doesn’t only offer car insurance. They provide several other products. These can help protect different vehicles and various situations.

Types of Insurance Available:

  • Van insurance: This type covers vans with both basic and full options. You can also add extra features like breakdown cover.
  • Classic car insurance: This is made for old and collectible cars that require special care.
  • Modified car insurance: This type is for cars that have changes or upgrades. These changes often aren't included in standard insurance plans.

These choices help all drivers, no matter what kind of vehicle they own. They can find insurance that meets their needs.

Quote Detactive Trustpilot Reviews Breakdown

Quote Detective Car Insurance Reviews

Quote Detective has a TrustScore of 4.2 out of 5 based on 1,131 reviews on Trustpilot. Most customers like the service. In fact, 72% of the reviewers gave it 5 stars. A smaller group, around 20%, gave it only 1 star. Despite this, many people appreciate Quote Detective for its helpful service and customised insurance plans.

FAQs About Quote Detective Car Insurance

If you want to change your Quote Detective car insurance policy, you need to pay a fee of £35. This fee is for any updates to your personal details or changes to your vehicle. It is used to update your policy with the new information.

Legal expenses are not part of Quote Detective car insurance. However, you can choose to add this option. It can help you cover costs if you have legal problems after an accident.

Yes, Quote Detective policies offer a courtesy car cover. If your car is in the shop after an accident, you can use a courtesy car. This service is available for up to 14 days. With this, you won’t have too much disruption in your daily life.

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Page last updated on: 05/12/2024

Page reviewed by: Shay Ramani

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