Freedom brokers Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
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This is the ultimate review to guide you through Freedom brokers car insurance.
You might already know that Freedom brokers 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 Freedom brokers 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 Freedom brokers car policy terms and conditions and given our own ratings based on different criteria.
3 Safe overall rating for Freedom brokers
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
UK-based call centre with 24-hour claims helpline | |
| Cover provided |
Foreign use cover is provided but details as regarding the time frame is only available on the policy document which is only given to policy holders | |
| Value for money |
No mention of any discounts provided to customers | |
| Financial strength for pay out | It is a relatively new company and as such, might not have a high capacity to take out laims. | |
| Technology |
Access the online account to make changes to your policy and view your policy documents |
Expert and customer reviews on Freedom brokers
We compiled expert and customer reviews from independent institutions, to give you an overall idea of Freedom brokers's reputation.
| Review organisation | Consumer satisfaction rates for Freedom brokers |
|---|---|
| TrustPilot | 4,5/5 based on 1,026 opinions |
To check if Freedom brokers 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 Freedom brokers car insurance policy
Freedom Brokers was founded in 2017 with the objective to offer our fantastic services directly to consumers and provide insurance service that are usually overlooked by other insurers. A prime example of this is the gap insurance. Freedom Brookers is built on the foundations of Action 365, an expert in insurance services. Services like windscreen cover, keycare cover are provided. However, little or no information is provided as regards any other service offered. Their services are not recommended. The information provided as regards some of the cover options are vague.
What does Freedom brokers car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at Freedom brokers?
| Car insurance policy | Available at Freedom brokers | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at Freedom brokers explained in details
Let's find out what does Freedom brokers covers in its car insurance policy.
Breakdown cover at Freedom brokers
Freedom broker provides Breakdown cover which can be gotten for a sum of £44.95 per year, which amounts to about 3.75 per month. Three levels of cover are provided for this and they are:
- UK Breakdown this includes only roadside assistance and it costs £44.95
- UK Breakdown and Recovery this includes roadside assistance and recovery services and it costs £54.95
- UK Total Breakdown this includes roadside assistance, recovery and homestart services. It costs £64.95.
Keycare cover at Freedom brokers
Freedom broker offers Keycare cover for the sum of £19.95 per year which amounts to £1.66 per month. The cover provides protection in the case that an insured key is accidentally lost, stolen or accidentally damaged.
Other services associated with this cover are:
- locksmith services in the case that the keys were lost, or damaged
- new or replacement locks when required
- £75 a day for alternative means of transportation for 3 days in the case that you are stranded as a result of a stolen or damaged key
- £40 for vehicle hire services for three days
- £20 reward to the person that finds the key
Windscreen cover at Freedom brokers
Freedom broker’s provide Windscreen cover £29.95 per year and about £2.50 per month. This cover option includes cover for replacement of windcreen in the case of damage.
Personal policy injury available at Freedom brokers
Coverage abroad at Freedom brokers
Freedom brokers allows for foreign use. However, as the policy documents are not available, more details about this cannot be provided.
Courtesy car at Freedom brokers
Freedom broker provides car hire service for about £34.95 per year. This service is provided in the case that the vehicle has been written off and it is provided for 14-28days depending on the preference of the driver.
Gap insurance at Freedom brokers
Freedom brokers offers Gap Insurance and this insurance covers the difference between the purchase price of the vehicle, and the amount the insurer pays in the unfortunate event of a total loss claim. Four types of Gap Insurance are offered and they are:
- Retun to invoice
- Contract Hire/Lease
- Valuation/Agreed Value
- Total Loss Protect
No-Claim Bonus (NCB) at Freedom brokers
No available information
No available information.
At Freedom brokers, 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.
No available information
Good to know
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.
Freedom brokers car insurance terms and conditions
How much does Freedom brokers car insurance cost?
You'll find below indicative car insurance quotes at Freedom brokers:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £104,62 |
| 40 years old | £43,14 |
| 60 years old | £31,81 |
Costs of Freedom brokers 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.
Good to know
The higher risk you represent, the more expensive your policy will be.
Is there any promo codes or discounts available at Freedom brokers?
No discount or cashback vouchers are available for Freedom brokers. Also, no NCB discounts are offered.
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!
Freedom brokers car insurance policy summarized
Guarantees
| At Freedom brokers | |
|---|---|
| NCB benefit | Not stated |
| Uninsured driver NCB benefit | Not stated |
| Loss or theft of keys | £1,500 |
| Personal belongings | Not stated |
| Audio equipment | Not stated |
| Medical expenses | Not stated |
| Liability limit for property damage | £20 000 000 |
| Legal expense | £100,000 |
| Courtesy car benefit | As standard |
| Courtesy car cover | 14-28 days |
| Coverage abroad | Not stated |
Excess
| At Freedom brokers | |
|---|---|
| Fire excess | cost of damage is covered |
| Theft excess | cost of damage is covered |
| Accidental damage excess | cost of damage is covered |
| Windscreen replacement excess | £75 |
| Young driver excess | no |
Admin fees
| At Freedom brokers | |
|---|---|
| Interest charged by payment installments | Not stated |
| Renewal fees | £0 |
| Cancellation fees | Cancellation fees during cooling off period : £45 |
| Modification fees | Adjustment fee: £15 online/£35 by phone |
Other car insurance policies available at Freedom brokers
Freedom brokers van insurance
Freedom brokers provides van insurance. However, no other details are provided as regards this. The information on this is only available in the policy document which can only be accessed by drivers who take out the van insurance service with the company.
How to contact Freedom brokers auto insurance?
Freedom brokers phone numbers
You will find all important phone numbers to contact Freedom brokers car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer Service | 03332 205445 | Monday to Friday 9am–5:30pm |
Sales | 03332 205 442 | Monday to Friday 9am–5:30pm |
Renewals | 03332 205446 | Monday to Friday 9am–5:30pm |
Claims Helpline | 0800 1300 442 | Monday to Friday 9am–5:30pm |
Windscreen Cover | | 24 hours a day, 7 days a week |
Key Cover | 0203 794 9309 | 24 hours a day, 7 days a week |
Freedom brokers other contact details
You'll find below Freedom brokers main contact details:
| Contact details of Freedom brokers | |
|---|---|
| Email address | |
| Customer account with Freedom brokers login | |
| Social media | Facebook, Twitter |
| Chatbot | No |
You can also contact them by mail by writing to Freedom brokers car insurance:
Freedom Brokers Car Insurance
Eden Point,
Three Acres Ln,
Cheadle Hulme,
Cheadle SK8 6RL,
United Kingdom.
How to cancel your car insurance at Freedom brokers?
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, Freedom brokers as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Freedom brokers 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.
Watch out!
Freedom brokers 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’.
