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People’s Choice car insurance
Compare People’s Choice car insurance quotes.
Complete a purchase and earn a £15 reward with super save club logo
How good is People’s Choice car insurance?
People’s Choice is an online-only car insurance brand owned by Hastings Insurance Services. People’s Choice has a poor Trustpilot rating of 1.4, although it’s part of the Hastings Direct group, which has a stronger reputation and a Trustpilot score of around 4.4.
Its fully comprehensive policy has a 5-star Defaqto rating, indicating a high level of cover on paper. Independent analysis by Which? gave People’s Choice a policy score of 60%
What is the Defaqto rating for People’s Choice car insurance?
People’s Choice Car Insurance
⭐⭐⭐⭐⭐^
Defaqto is a leading independent reviewer of financial products. People's Choice's car insurance policy received the maximum five-star Defaqto rating for features and benefits.
What will a People’s Choice comprehensive car insurance policy cover me for?
If you choose a fully comprehensive People’s Choice car insurance policy, the following is included:
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Replacement Lock Cover
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Child Car Seat
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Fire and Theft
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Driving Abroad
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Personal Accident Cover
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Injury to other people
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Driving abroad for 90 days
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Personal Accident Cover
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Damage to your car
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Uninsured driver damage
How much do People’s Choice car insurance policies cost?
These are the average prices of People’s Choice car insurance policies across a wide range of drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors, so could differ significantly
Fully comprehensive
£570^
Third party, fire & theft
£910^
What is included in People’s Choice car insurance?
People’s Choice offers a single comprehensive policy, which you can customise with optional extras depending on your needs. These include:
Protected no claims discount
Legal expense and personal accident cover
Breakdown cover
Is People’s Choice car insurance worth it?
People’s Choice may be worth considering if your priority is keeping costs low and tailoring your cover yourself. It could suit you if you want a cheaper base policy and are happy to add extras selectively, and if you are comfortable managing your policy online.
However, it may be less appealing if you prefer a more comprehensive policy with key benefits included upfront, or if customer service reputation is a major factor in your decision.
Is People’s Choice the best company to insure my car with?
Which provider is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of People’s Choice car insurance to help you make your decision:
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Pros of People’s Choice car insurance
5-star Defaqto rating for its comprehensive policy
Backed by Hastings Insurance Services, a well-established UK insurer with a solid reputation
Flexible policy structure, allowing you to add extras only where needed
Simple, online-first setup that can suit confident, self-service users
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Cons of People’s Choice car insurance
Very low Trustpilot score (1.4), suggesting consistently poor customer experience
No publicly stated claims payout rate
Many key features (like breakdown cover or courtesy car) are only available as paid extras
Customer service concerns appear frequently in reviews
How does People’s Choice car insurance compare to other providers?
These are all standard fully comprehensive car insurance policies. All providers also offer higher-tier options, which will include more features for an extra cost.
People's Choice | Hastings Direct | esure | Swiftcover Plus | |
|---|---|---|---|---|
Price | £570^ | £440^ | £506^ | £415^ |
Defaqto rating | ⭐ ⭐ ⭐ ⭐ ⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating^ | 71%^ | 77%^ | 77%^ | |
Claims payout rate | 99% | N/A | N/A | |
Uninsured driver promise^ included? | Yes | Yes | Yes | Yes |
Courtesy car included? | Yes | Yes | Yes | Yes |
Administration fees^ | Not given | £20, free for certain changes like name or contact details | Agent assisted £27, online £15 | £25 by phone, free online |
Further information | Read more |
Price data from MoneySuperMarket. Other data from provider website and correct as of March 2026.
Is People’s Choice a good car insurer for young drivers?
People’s Choice is a budget-focused insurer backed by Hastings Direct, offering a 5-star Defaqto-rated comprehensive policy. However, it is not typically the cheapest option for new drivers.
Our research shows that on average, the lowest-cost policies for drivers who have held their licence for less than a year were from Carole Nash
How do I contact People’s Choice?
💡 Top tip: If you bought your People’s Choice car insurance through MoneySuperMarket, you can see your policy information on our website. Just sign in and click on your dashboard.
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Phone
You can phone the customer service team at People's Choice on 0333 321 9678. Opening times are:
Monday–Friday: 8am-7pm
Saturday: 9am-5pm
Sunday: 9am-1pm
Bank holidays: 9am-5pm
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By Post
You can also write to the AXA Customer Relations Department at:
Customer Relations Department
People's Choice,
Conquest House,
Collington Avenue,
Bexhill-on-Sea,
East Sussex,
TN39 3LW
How do I make a claim with People’s Choice?
If you need to make a claim on your People’s Choice car insurance policy, contact the People’s Choice as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), information about any other drivers or vehicles involved and photos or evidence.
People’s Choice claims line:
0333 321 9800
Claims lines are open 24/7, and are available even if you have an Online Car Insurance policy.
Can I cancel my People’s Choice car insurance and switch providers?
🚩 You will not get any money refunded if you have already made a claim on your car insurance
You will need to cancel your car insurance with People’s Choice directly. You cannot cancel via MoneySuperMarket.
You can cancel your People’s Choice car insurance online via your account.
Can I cancel my People’s Choice car insurance at any time?
Yes, you can cancel your People’s Choice car insurance at any time, but your refund will be reduced by fees and the time you’ve been covered if your policy has already started.
Does People’s Choice charge fees for cancelling car insurance?
Yes, People’s Choice charges cancellation fees. The amount varies depending on when you cancel - your list of fees can be found in your policy documents.
You will also need to pay for all the days you were covered for.
Can I get a refund for extras I've added to my People’s Choice car insurance?
No, any payments for add-ons are non-refundable.
More car insurance providers
With MoneySuperMarket, you can quickly and easily compare People’s Choice car insurance against policies from up to 195
Is it cheaper to buy People’s Choice car insurance through a price comparison website?
Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as People’s Choice compared with going direct. There are several ways we can help you save money:
our Price Promise1 means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £15 gift card
our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 83%
^ of customers saved on their car insurance using this toolour SuperSaveClub2 rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass
We also make it quick and easy to compare People’s Choice policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.
How do I find my People’s Choice car insurance policy?
If you bought your People’s Choice car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.
Alternatively, you can find your People’s Choice car insurance policy on the People’s Choice customer portal by logging into your account.
Will I be charged if I make a change to my People’s Choice car insurance?
Yes, People’s Choice charges an administration fee for changes you make to your car insurance via your online account, such as changing your address or adding extra drivers. While the fee is not publicly shared, you should be able to find it on your policy documents.
Your premium may also go up or down depending on the change.
Can I add other drivers to my People’s Choice car insurance policy?
Yes, you can add named drivers to your People’s Choice car insurance. To add a driver to your People’s Choice car insurance policy, log into your People’s Choice online account and go to the policy overview page.
Adding extra drivers to your People’s Choice car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94
Does People’s Choice car insurance include breakdown cover?
People’s Choice car insurance does not include breakdown cover as standard, though you can take it out as an added extra - it's provided by the RAC.
You do not need to have a car insurance policy with People’s Choice to buy RAC breakdown cover through People's Choice. You can also buy breakdown cover from a different provider if you have People’s Choice car insurance.
How do I renew my People’s Choice car insurance policy?
Most People’s Choice car insurance policies are typically set up to renew automatically. This means that when your policy reaches its end date, a new one may begin using the payment details already on file, helping to avoid any gap in cover.
Auto-renewal doesn’t necessarily mean your price or level of cover will stay the same. You should be contacted before your renewal date with details of any changes, so you can decide whether to continue or switch.
If you don’t want your policy to auto-renew, you’ll need to let People’s Choice know before your policy ends, usually by managing your account online. As with any insurer, it’s a good idea to compare car insurance quotes before your renewal. Prices can change year to year, and checking other options could help ensure you’re not paying more than you need to.
Can I pay my People’s Choice car insurance in monthly instalments?
Yes, you can pay for your People’s Choice car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.
What is People’s Choice?
People’s Choice is a UK car insurance brand owned by Hastings Insurance Services, which was founded in the 1990s and now serves millions of customers. It focuses on straightforward, low-cost car insurance policies, sold primarily online as part of Hastings’ wider group of brands.
Who underwrites People’s Choice insurance?
People's Choice car insurance policies are mostly underwritten by Advantage Insurance Company Limited within the Hastings Group.
How does MoneySuperMarket create and review the content on its website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 11 May 2026
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
You might see a premium policy with a lower average sold price than the basic option. That's not because it’s cheaper overall, but because lower-risk customers are buying it. People whose individual circumstances mean they receive higher premiums often choose the most basic cover to keep costs down, while those offered cheaper premiums are more likely to upgrade to a higher-tier product.
Based on the 10th percentile of comprehensive car insurance policies sold through MoneySuperMarket in the month of March 2026.
Accurate as of 08 May 2026.
83% of users completing the car insurance Price Optimiser journey and actioning its insights on MoneySuperMarket between 12.02.26 and 16.02.26 found a cheaper quote.
Based on Car Insurance enquiries on MoneySuperMarket between 2025-01-01 and 2025-04-01 where the quote was for comprehensive covertype.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2026.
Source: Which?, 2026, Will your car insurer let you down when it matters most?,
Source: Which?, 2026, Will your car insurer let you down when it matters most?,
An 'uninsured driver promise' is a car insurance policy feature where you will not have to pay your excess and will not lose your no-claims discount if your car is hit by an uninsured driver and the accident wasn't your fault.
Administration fees are charges insurers apply when you make changes to your car insurance policy. Examples of mid-term policy changes that could incur an administration fee include: changing your address, updating your job title, adding or removing a driver, changing your vehicle.
These fees cover the cost of processing the change, rather than the insurance risk itself. They are separate from any change in your premium. For example, if you update your details, your price may go up or down based on risk, then an admin fee may be added on top.
Based on the average annual price of policies sold through carole nash on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through churchill on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the average annual price of policies sold through marmalade essentials on MoneySuperMarket between January 2026 and March 2026 and the provider sold with over 200 sales in the period, where only one driver was on the policy who had held a full uk car insurance license for at least 1 year.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in March 2026.
Defaqto is a leading independent reviewer of financial products. Five stars is for 'An excellent product with a comprehensive range of features and benefits'.
Individual insurance products from People’s Choice may have different ratings. Data from the Defaqto website. Data from March 2026.
