Achoice Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Achoice car insurance.

You might already know that Achoice offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Achoice the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Achoice car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Achoice

Our ratingOur opinion
Customer service & satisfaction

24/7 Claims line available
High customer satisfaction rate on Trust Pilot
Online generation of quotes
Availability of live chat feature
Policy documents are not available on their website

Cover provided

Wide range of covers available
Specialist insurance broker focused on providing insurance policies to drivers considered to be high-risk such as learners, young drivers and drivers with motor convictions
Offer all 3 levels of cover: Comprehensive, FT&TP and Third Party Only
No black box insurance

Value for money

Competitive prices
Availabilty of No Claims Bonus
High cancellation fee of £50

Financial strength for pay out

A Choice Insurance works with a panel of top UK insurers such as Ageas, Mulsanne, Covea, Eridge, AXA, GEO Underwriting, Kitsune, etc to provide insurance policies to their customers which gives the company a high ability to pay out claims.


User friendly website
Online application process
Live chat feature
No black box insurance offered
No customer portal

Safe rating for Achoice

Expert and customer reviews on Achoice

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Achoice's reputation.

Review organisationConsumer satisfaction rates for Achoice
TrustPilot4,2/5 based on more than 950 opinions
Consumer satisfaction rates on reviews for Achoice

To check if Achoice is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
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Our review on Achoice car insurance policy

A Choice Insurance is a specialist insurance broker that is underwritten by top UK insurers such as Covea, Ageas, AXA, Midas, Eridge, Granite, Highway, Kitsune, etc to offer insurance policies to drivers who are deemed to be high risk such as learner drivers, young drivers and drivers with previous motor convictions.

They offer all three main levels of cover: Comprehensive, FT&TP and Third Party Only although this may vary depending on the type of insurance you’re looking for.

Unfortunately, A Choice has not included policy documents on their website so it is not easy to acquire all the necessary information about the insurance policies being offered. We would advise you to contact them and request the policy documents of any insurance policy that you may be interested in before you sign up with them.

Overall, the high rate of customer satisfaction on Trust Pilot and the wide range of covers they offer makes A Choice an insurance company to consider when shopping for insurance.

What does Achoice car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Achoice?

Car insurance policyAvailable at AchoiceCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Achoice

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Achoice explained in details

Let's find out what does Achoice covers in its car insurance policy.

Breakdown cover at Achoice

A Choice Insurance offers 2 levels of comprehensive breakdown cover:
UK Breakdown: this cover comes with the following benefits:

  • Roadside assistance as well as home assistance in the event your vehicle breaks down on the road or at home
  • If the vehicle cannot be fixed on the breakdown site, it will be transported to the nearest repairer
  • They will call any of your contacts to let them know what happened
  • Lost keys and misfuelling is also included
  • If the vehicle cannot be fixed on the same day and you are 50 miles away from your home, you will be entitled to a vehicle hire, alternative travel or overnight accommodation.
    European Cover: with this level of cover, you will get all the benefits that come with the UK level cover in UK and Europe.

Keycare cover at Achoice

Up to £1500 for repair or replacements of locks, keys, and locksmiths, as well as onward transport costs.

Windscreen cover at Achoice

  • Windscreen cover will cover repair and replacement of windscreen and glass windows
  • The windscreen cover is limited to £300 and is subject to excess that ranges between £60 and £75
  • If you choose to get your windscreen or windows fixed at an unapproved repairer then the limit will be £100
  • Claims on windscreen will not affect your No Claims Bonus

Motor legal protection at Achoice

Up to £50,000 of legal costs in case you are involved in an accident that is not your fault.

Personal policy injury available at Achoice

Details not stated.

Coverage abroad at Achoice

Courtesy car at Achoice

A Choice Insurance offers a Replacment Vehicle for 14 to 28 days if your car or van is stolen, damaged by attempted theft, arson or an accident with another vehicle or if it is deemed a total loss.

No-Claim Bonus (NCB) at Achoice

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you.

You can transfer your NCD from your previous insurer to A Choice Insurance provided you send the proof of No Claims Bonus to them within 14 days after purchase of the insurance policy.

If you’re involved in an accident that was your fault, your NCB will be affected. If the accident wasn’t your fault, your NCB will not be affected provided that A Choice is able to recover all costs from the responsible party.

Claims on Windscreen Cover will not affect your No Claims Bonus.

At Achoice, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

Details not stated.

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Achoice car insurance terms and conditions

How much does Achoice car insurance cost?

You'll find below indicative car insurance quotes at Achoice:

Drivers'ageMonthly premium
18 years old£100,92
40 years old £41,62
60 years old£30,69
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Achoice insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Achoice?

There is no specific discount apart from the No-Claim Bonus available at A Choice Insurance.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Achoice car insurance policy summarized


At Achoice
NCB benefitYes
Uninsured driver NCB benefitNot Stated
Loss or theft of keysExcess- Not stated
Limit- Not stated
Personal belongingsExcess- Not stated
Limit- Not stated
Audio equipment

Excess- Not stated
Limit- Not stated

Medical expenses

Excess- Not stated
Limit- Not stated

Liability limit for property damageExcess- Not stated
Limit- Not stated
Legal expenseNot Stated
Courtesy car benefit

Not Stated

Courtesy car cover

Not Stated

Coverage abroad

Not Stated

Guarantees at Achoice


At Achoice
Fire excessExcess- Not stated
Limit- Not stated
Theft excessExcess- Not stated
Limit- Not stated
Accidental damage excessExcess- Not stated
Limit- Not stated
Windscreen replacement excessExcess- Not stated
Limit- Not stated
Young driver excess

Not Stated

Excess at Achoice

Admin fees

At Achoice
Interest charged by payment installments

Not stated

Renewal fees


Cancellation fees

Cancellation fee – £50

Modification fees

Mid-Term Adjustment fee: £20 to £45

Admin fees at Achoice

Other car insurance policies available at Achoice

Achoice learner driver car insurance

A Choice Insurance offers annual Learner Driver Insurance Policy provided that the driver has a provisional licence, uses their own car and is supervised by a parent or guardian who holds a full UK driving licence. Features are as follows:

  • No curfews or milleage restriction is imposed on the learner driver.
  • The learner driver can start earning No Claims Bonus under this policy
  • Available in 2 levels of cover: Comprehensive and Fire, Theft & Third Party.

Achoice business car insurance

Your car will be covered for business use provided that you let the company know about your plans for the car and what you’re going to use it for.

Achoice van insurance

A Choice Insurance offers Van Insurance for all types of Vans including trucks and pick-ups across all the levels of cover: Comprehensive, FT&TP and Third Party Only.

They also offer covers for skilled tradesmen such as:

  • Delivery Fleets
  • Courier Vans
  • Plumbers
  • Electricians
  • Builders, etc.

How to contact Achoice auto insurance?

Achoice phone numbers 

You will find all important phone numbers to contact Achoice car insurance:

Contact numberOpening hours

Customer Service

0330 127 4500

Monday to Tuesday: 9am to 7pm
Wednesday to Friday: 9am to 6:30pm
Saturday: 9am to 3pm


0330 127 4501

Available 24/7


01277 725559 (Vehicles under 16 years old)
01604 640 976 (Vehicles over 16 years old)

Available 24/7


0330 127 4500

Monday to Friday: 9am to 8pm
Saturday: 9am to 3pm


0330 127 4500

Monday to Friday: 9am to 8pm
Saturday: 9am to 3pm


0330 127 4500

Monday to Tuesday: 9am to 7pm
Wednesday to Friday: 9am to 6:30pm
Saturday: 9am to 3pm

Contact numbers at Achoice

Achoice other contact details

You'll find below Achoice main contact details:

Contact details of Achoice
Email address


Customer account with Achoice login


Social mediaTwitter
Contact details at Achoice

You can also contact them by mail by writing to Achoice car insurance:

A Choice Head Office
Pendeford House
Pendeford Business Park

How to cancel your car insurance at Achoice?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Achoice as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Achoice has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Achoice could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.