First Alternative Car Insurance: Everything You Need to Know

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First Alternative Car Insurance is a well-liked option in the UK. It is part of Esure Insurance Limited. This company offers several car insurance plans to meet different needs. If you want to know more about First Alternative, its offerings, and how to get the best car insurance deal through Free Price Compare, you are in the right place.

What Is First Alternative Car Insurance?

First Alternative Car Insurance is a part of Esure. Esure is an insurance company based in the UK. They sell home and travel insurance too. First Alternative is known for offering complete car insurance policies. They want to provide good prices and helpful customer service. However, reviews from customers are mixed. Some people like their low prices. On the other hand, others have issues with their claims process and the customer service department.

How Does First Alternative's Customer Service Work?

Customer service is important for every insurance company. First Alternative Car Insurance has a special customer service department. They are ready to help you with any questions or problems you have. You can contact First Alternative's customer service team by calling their call centre or emailing them. The staff at the call centre can assist you with things like questions about policy documents, fixing issues with claims, and providing breakdown assistance.

How to Contact First Alternative

  • Call Centre: First Alternative has a customer service line in the UK. Have your policy number ready when you call.
  • Email Address: You can email First Alternative for customer queries. Response times may vary based on your question.

Is First Alternative Part of Esure?

Yes, First Alternative is a part of Esure Insurance Limited. This company began in 2000 and is well-known in the UK for providing insurance services. They offer several types of insurance, including car insurance. First Alternative operates with the help and expertise of Esure.

First Alternative Part of Esure

What Are the Benefits of a First Alternative Car Insurance Policy?

There are several great reasons to choose a First Alternative car insurance policy:

  • Comprehensive Cover: First Alternative, like many car insurance companies, gives you comprehensive cover. This means it protects your car from damage and helps with claims from other people.
  • Third-Party, Fire, and Theft Cover: This option is cheaper if you don't want full coverage. It protects against theft, fire damage, and damage to other people's property.
  • Breakdown Assistance: You can add breakdown assistance to your policy with First Alternative. This helps you feel safe if your car breaks down on UK roads.
  • Hire Car: If your car is stolen or damaged, First Alternative can help you get a hire car. This lets you get around while your car is being repaired or replaced.

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What Are the Downsides of First Alternative Car Insurance?

Some customers have had bad experiences with First Alternative Car Insurance, even though it offers benefits. Here are some common complaints:

  • Customer Service Issues: Some people call First Alternative an "awful company." They feel this way because of long wait times at the call centre. There are also slow responses to email queries.
  • Cancellation Fees: If you cancel your policy before the renewal date, a cancellation fee may apply. Some customers feel this fee is too high.
  • Claims Process: Many customers are not happy with the claims process. This is mostly true for theft or damage claims. Some face slow processing times and have trouble getting refunds.

Can You Get a Refund from First Alternative?

If you’re not satisfied with your insurance policy, you can usually request a refund. How much you get back often depends on when you decide to cancel. If you cancel within the cooling-off period, usually 14 days, you might receive a full or partial refund. If you cancel later, there may be cancellation fees. These fees could reduce the amount of your refund.

Claim Process Time of First Alternative vs Industry Average

How Does First Alternative Handle Car Insurance Claims?

First Alternative has a clear process for car insurance claims. If your car is in an accident or gets stolen, contact their customer service department right away. They will need important documents from you. This includes proof of what happened and your insurance policy documents to start your claim. However, some customers have faced delays in getting their payouts or repairs. This delay has left them unhappy.

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What Are Customers Saying About First Alternative?

Customer reviews for First Alternative are mixed. Some customers are happy with the low prices and their first year. Yet, others feel let down by the service when renewing or filing a claim. Many reviews mention common issues.

  • "Awful company": Many people use this term when they feel upset with customer service or how their claims are handled.
  • "Esure": A lot of customers think there is a link between First Alternative and Esure. This can change how they choose their policies.
  • "Breakdown assistance": Customers often like the optional breakdown cover. Still, it does not come standard with every policy.
  • "Renewal date": A number of complaints arise around policy renewals, mainly when prices increase without notice.
Customer Satisfaction with First Alternative Car Insurance

How to Get a First Alternative Car Insurance Quote

Getting a quote for First Alternative Car Insurance with Free Price Compare is fast and simple. You can check several car insurance choices. This helps you find the best policy for your needs. You can look for third-party insurance, third-party fire and theft, or full cover. Here’s how to begin:

  • Visit Free Price Compare: Fill out the simple quote form with your details. Include your vehicle information, the miles you drive each year, and your location, such as Glasgow or any UK area.
  • Compare Quotes: Free Price Compare will give you quotes from First Alternative and several other car insurance companies.
  • Choose Your Policy: Select the policy that fits your needs best. You may want to look at price, customer service, or features like hire car cover or breakdown assistance.
  • Complete Your Purchase: After making your choice, buy your car insurance policy online or talk to an advisor to finish the details.

FAQs About First Alternative Car Insurance

Yes, you can cancel. But, you may have to pay a cancellation fee. It's important to read your policy documents for the specific rules.

You can reach their customer service in UK by calling their call centre or sending an email. It is good to have your policy number ready. This will help you get faster service.

Yes, you can choose breakdown assistance as an optional extra. A lot of people like this add-on. It provides more complete coverage.

You need to file a claim with First Alternative. They will ask for documents such as police reports or repair estimates. However, some customers say they have faced problems during the claims process.

First Alternative works with Esure Insurance Limited. They offer similar insurance plans and services for support.

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Page last updated on: 28/11/2024

Page reviewed by: Shay Ramani

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