Autosaint Car Insurance Review
This is the ultimate review to guide you through Autosaint car insurance.
You might already know that Autosaint 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 Autosaint 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 Autosaint car policy terms and conditions and given our own ratings based on different criteria.
3 Safe overall rating for Autosaint
|Our rating||Our opinion|
|Customer service & satisfaction|
Quick and efficient application process
Autosaint works with several top UK insurers to provide telematics insurance such as Ageas, Aviva, Covea, Highway, MarkerStudy and Sabre therefore, the policy may vary depending on the insurer you choose
|Value for money|
|Financial strength for pay out|
Autosaint works with major UK insurers offering telematics insurance which increases its ability to pay out claims.
Online application process
Expert and customer reviews on Autosaint
We compiled expert and customer reviews from independent institutions, to give you an overall idea of Autosaint's reputation.
|Review organisation||Consumer satisfaction rates for Autosaint|
|TrustPilot||1,4/5 based on more than 110 opinions|
To check if Autosaint 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.
Our review on Autosaint car insurance policy
Autosaint Insurance is a trading name of Fresh Insurance Services Group.
Autosaint is a specialist insurance company offering telematics insurance to provisional drivers and young drivers.
The company offers telematics (black box) insurance as their main product alongside Temporary Insurance for those looking to add another driver for a short period of time.
The insurance policies offered by Autosaint is underwritten by some of the leading insurance companies in the UK such as Ageas, Sabre, MakerStudy, etc. This causes the offers and levels of cover to differ since some of them offer all of the 3 main levels of cover while others offer comprehensive only. We recommend that you go through your policy document carefully so as to be aware of what exactly you’re covered for.
Even though being underwritten by several leading insurance companies may have a benefit, due to the low customer satisfaction rate on review sites, we recommend you go for a company that has higher satisfaction rates such as Wise Driving Insurance or Acorn Insurance.
What does Autosaint car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at Autosaint?
|Car insurance policy||Available at Autosaint||Coverage in a nutshell|
|Third-Party Fire and Theft|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at Autosaint explained in details
Let's find out what does Autosaint covers in its car insurance policy.
Breakdown cover at Autosaint
Autosaint has partnered with SilverKnight Rescue (An automotive repair service company) to provide breakdown cover for their customers. The Breakdown Cover comes with the following benefits:
- Roadside assistance whenever your vehicle breaks down
- Repair assistance within one mile radius from your home address or at your home
- Up to 2 telephone message relays to family members and friends to inform them of your incident
- Recovery of vehicle if the repair cannot be complete by the working day
- Onward travel cover to hire a vehicle for up to £100, or cost of public transport
- Overnight accommodation of up to £60 for a lone driver of £40 for each person or a maximum of £320 in a group that is made up of up to 7 passengers
- In case you’re hospitalized in a hospital far away from your home address, they will offer transport either car or ambulance to transport you to a hospital that is near your home.
Keycare cover at Autosaint
Up to £1500 for replacement of locks or keys in case of loss or theft of keys.
Windscreen cover at Autosaint
- Windscreen cover is usually already included as a standard if you take out a comprehensive level of cover.
- In some cases, it might not be available as standard but you can get it as an extra add-on
- Autosaint offers an optional Windscreen Cover add-on that is provided by MarkerStudy
- The cover has a limit of £500 and is subject to an excess of £75.
Motor legal protection at Autosaint
Up to £50,000 to cover for legal costs and expenses when pursuing for compensation after an incident that wasn’t your fault.
Personal policy injury available at Autosaint
Autosaint does not offer a personal injury additional cover but most of the policies come with cover of up to £5000 in case you or your spouse is injured in an accident as a standard.
Coverage abroad at Autosaint
The coverage for abroad insurance may vary from one underwriter to the other.
The covers will vary between 30 to 90 days with some covering the same level of cover you have in the UK while others providing only the minimum (Third Party Only) Cover while traveling abroad.
Most of the insurers will cover for EU and any country that meets the EC Directive 2009/103/EC requirements.
No-Claim Bonus (NCB) at Autosaint
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. No NCB rate is stated in the website or policy documents. You can also opt for an NCB protection cover at an additional charge.
If the incident caused was not your fault and Autosaint was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.
Claims on the following will not affect your NCB:
- Windscreen cover
- Medical emergency cover
- Incidents caused by an uninsured driver.
At Autosaint, 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.
NCB protection claims (number per year): 2 claim in 3 years or
NCB protection claims (number per year): 2 claim in 5 years.
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.
Autosaint car insurance terms and conditions
How much does Autosaint car insurance cost?
You'll find below indicative car insurance quotes at Autosaint:
|18 years old||£107,08|
|40 years old||£44,16|
|60 years old||£32,56|
Costs of Autosaint 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 Autosaint?
Apart from the No-Claims discount, there's a potential to get a discounted premium based on your driving performance that is recorded and reported by the black box that is installed in your car.
|Discounts||Discount on renewal premium depending on your telematics reports.|
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!
Autosaint car insurance policy summarized
|Uninsured driver NCB benefit||Yes|
|Loss or theft of keys||Excess- £100|
Limit- £500 - £1000
|Personal belongings||£100 - £250|
Excess- Not stated
£100 - £150
|Liability limit for property damage||£20,000,000|
|Legal expense||Not Stated|
|Courtesy car benefit|
|Courtesy car cover|
Duration of repair of your car.
30 days to 90 days
|Fire excess||Excess- £100|
Limit- £300 - £1000
|Theft excess||Excess- £100|
Limit- £300 - £1000
|Accidental damage excess||Not stated|
|Windscreen replacement excess||Excess- Not stated|
Limit- Unlimited when using approved repairer, £100 limit if using unapproved repairer
|Young driver excess|
£300 - £350
|Interest charged by payment installments|
Cancellation fees during cooling off period : £55
Mid-Term Adjustment fee: £65
Other car insurance policies available at Autosaint
Autosaint black-box insurance
Autosaint Insurance is a specialist car insurance company that focuses on providing telematics car insurance that involves the installation of a black box in your vehicle.
How it works:
- You need to have the black box installed in your car within 14 days after taking out your policy
- The cost of installation is already included in your premium price
- The black box tracks and records details such speeding, accelerating, cornering and braking and provides you with information on how to improve your driving
- Your premium would be tailored according to the reports your black box generates
- The black box can also be used to track you car in case it is stolen.
Autosaint short term cover
Autosaint offers temporary car insurance in case you already have a telematics insurance for your car and are looking to get a temporary car insurance for someone else who is going to be driving your car.
The company has partnered with DayInsure (A car insurance company) to provide you with temporary car insurance for Provisional Licence Holders and Full Licence Holders.
It is important to note that the telematics device will keep recording your driving skills regardless of whether it is you who is driving or the person you took the temporary insurance for.
Autosaint business car insurance
Cover for business partner or employer will only be available if your Certificate of Insurance clearly states that you can use your vehicle for business use.
How to contact Autosaint auto insurance?
Autosaint phone numbers
You will find all important phone numbers to contact Autosaint car insurance:
|Contact number||Opening hours|
01527 758 169
Monday to Friday: 9am to 5:30pm
01527 758 169
Monday to Friday: 9am to 5:30pm
Autosaint other contact details
You'll find below Autosaint main contact details:
|Contact details of Autosaint|
|Customer account with Autosaint login|
|Social media||Facebook, Twitter|
You can also contact them by mail by writing to Autosaint car insurance:
Fresh Insurance Services Group Ltd.,
Burnt Meadow Road,
North Moons Moat,
Redditch, B98 9PA
How to cancel your car insurance at Autosaint?
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, Autosaint as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Autosaint 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.
Autosaint 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’.