Geoffrey Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

You might already know that Geoffrey 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 Geoffrey 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 Geoffrey car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Geoffrey

Our ratingOur opinion
Customer service & satisfaction

Quick and easy application process done online
High customer satisfaction rate on Trust Pilot
24/7 claims line available
No live chat feature available

Cover provided

Wide range of covers available such as car insurance, van insurance, learner driver insurance
Wide range of optional extras available such as Legal Expenses Cover, Keycare Cover, Breakdown Cover, Guaranteed Car Replacement, No Claims Discount Protection and Increased Personal Accident Benefits
Geoffrey is part of MarkersStudy Direct Limited, an insurance company that works with over 1000 UK insurance brokers to provide a wide range of covers to their customers
Child car seat cover is available as standard
Basic key care cover is available as standard
Up to 90 days cover for abroad travel available

Value for money

No renewal fees
NCD available
Cancellation fee available of £25 to £45

Financial strength for pay out

Geoffrey is part of MarkerStudy, an insurance company that works with over 1000 UK brokers and has vast experience in the insurance industry which gives it its high ability to pay out claims.

Technology

User friendly website that is organized
Functional online portal for customers
No black box insurance cover available

Safe rating for Geoffrey

Expert and customer reviews on Geoffrey

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

Review organisationConsumer satisfaction rates for Geoffrey
Defaqto expert rating for Geoffrey defaqto 5 stars
TrustPilot4,9/5 based on more than 7000 opinions
Consumer satisfaction rates on reviews for Geoffrey

To check if Geoffrey 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.

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Our review on Geoffrey car insurance policy

Geoffrey Insurance offers car insurance, van insurance, learner insurance across 2 levels of cover: Comprehensive and Third Party, Fire & Theft.

The company has a high satisfaction rate of 4.9 out 5 on Trust Pilot making it one of highest rated insurance companies in the UK.

All policy documents are readily available on their website and the online application process is fairly easy and fast.

What does Geoffrey car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Geoffrey?

Car insurance policyAvailable at GeoffreyCoverage 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
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Geoffrey

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

Main guarantees at Geoffrey explained in details

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

Breakdown cover at Geoffrey

Geoffrey Insurance has partnered with RAC (An automotive breakdown/repair service company) to offer their customers 3 levels of Breakdown Covers:
RAC Breakdown Roadside: this includes roadside assistance more than a 1/4 mile from your home. If the RAC cannot repair your vehicle at the roadside, they’ll help you with the transport of the vehicle, you and up to 7 passengers to a destination of your choice within the UK as long as it is within a 10 mile radius from the breakdown site.
RAC Breakdown Roadside Assistance and Recovery: this includes the benefits that come with the Roadside Assistance Cover as well as recovery of the vehicle, driver and up to 7 passengers to a destination of your choice within the UK.
RAC Breakdown Plus: in addition to all the benefits that come along with RAC Breakdown Roadside and RAC Breakdown Roadside and Recovery, this cover comes with the following benefits:

  • Vehicle repair at your home or anywhere within 1/4 mile radius from your home
  • A replacement car hire for one day, or alternative transport covering up to £150 per person or a total of £500 for up to 7 passengers to cover for onward travel in case the vehicle cannot be repaired on the spot
  • An alternative to alternative transport is overnight accommodation
  • Roadside assistance in case you break down in Europe as well as onward travel in Europe if the vehicle cannot be repaired within 12 hours.

Keycare cover at Geoffrey

Up to £1500 for replacement of locks or keys in case of loss or theft of keys.

Windscreen cover at Geoffrey

Windscreen cover is available as a standard and not available as an optional addition.

  • Windscreen cover is available as a standard in the comprehensive level of insurance and not available as an optional addition.
  • It covers windows, windscreen, sunroof and any glass part of a convertible car’s roof
  • Cover is unlimited subject to excess (amount disclosed in your schedule) unless you opt to get it repaired or replaced at an unapproved repairer, in that case, the limit will be £250 less any excess.

Motor legal protection at Geoffrey

Up to £100,000 to cover for legal costs and expenses when pursuing for compensation after an incident that wasn’t your fault.

Personal policy injury available at Geoffrey

Geoffrey’s Personal Injury Policy covers the following:

  • Up to £30,000 in the case death and permanent total disability
  • Up to £11,250 for loss of one or multiple limbs
  • Up to £50 per day for hospital up to 80 days total in case of hospitalization due to a car accident
  • Up to £22,500 in case of permanent loss of sight or hearing
  • Up to £750 for whiplash with official diagnosis
  • Up to £4000 for fractures (Up to £1000 per fracture)
  • Up to £2,000 for burns

Coverage abroad at Geoffrey

Abroad travel cover is available as a standard across the Comprehensive and TPFT levels of standards.

Up to 90 days of travel to EU countries or any countries that meet the standards as per EC Directive 2009/103/EC standard such as: Monaco, San Marino, Vatican City, Norway, Switzerland, Andorra, Iceland,Serbia, Gibraltar and Liechtenstein.

The purpose of the travel has to be for pleasure of social purposes only.

Courtesy car at Geoffrey

Geoffrey Insurance offers 2 levels of Courtesy Car Covers as optional extras:
Guaranteed Replacement Car: this covers guarantees a replacement vehicle for up to 28 days while your car is undergoing repair or is deemed as a total loss after a road accident,attempted theft, fire or an at fault claim.
Guaranteed Replacement Car Plus: this covers offers a guaranteed car replacement in case you cannot drive your own vehicle due to undergoing repairs or is deemed a total loss due to an accident, attempted theft, fire or is an at fault claim for up to 60 days. In addition to that, you get the option of taking a payment of £100 in case you don’t need a car replacement.

No-Claim Bonus (NCB) at Geoffrey

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.

Your NCB has the capacity to keep increasing over the course of 9 years for up to 50% of the original premium. The following is a breakdown of the percentages of NCD you can expect:

One year NCB – 25%
Two years NCB – 32%
Three years NCB – 36%
Four years NCB – 39%
Five years NCB – 42%
Six years NCB – 44%
Seven years NCB – 46%
Eight years NCB – 48%
Nine years or more NCB – 50%

You can also opt to protect your NCB by taking out an optional NCB protection cover at an additional charge.

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 Geoffrey Insurance manages to recover the cost from the responsible party.

Claims on the following will not affect your NCB:

  • Windscreen cover repair or replacement.
  • Emergency treatment fees on road side in case of injury during an accident.
  • Incidents caused by an uninsured driver.

At Geoffrey, 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.

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. 

Geoffrey car insurance terms and conditions

How much does Geoffrey car insurance cost?

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

Drivers'ageMonthly premium
18 years old£106,26
40 years old £43,82
60 years old£32,31
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Geoffrey 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 Geoffrey?

There is no specific discount apart from the No-Claim Bonus available at Geoffrey 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!

Geoffrey car insurance policy summarized

Guarantees

At Geoffrey
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- £100
Limit- £500
Personal belongings£200
Audio equipment

Excess- Not stated
Limit - £500

Medical expenses

Excess- Not stated
Limit- £250

Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

90 days

Guarantees at Geoffrey

Excess

At Geoffrey
Fire excessExcess- Not Stated
Limit- £300 for child car seat, £200 for personal belongings
Theft excessExcess- Not Stated
Limit- £300 for child car seat, £200 for personal belongings
Accidental damage excessNot stated
Windscreen replacement excessExcess- Not stated
Limit- Unlimited when using approved repairer, £250 limit if using unapproved repairer
Young driver excess

Not Stated

Excess at Geoffrey

Admin fees

At Geoffrey
Interest charged by payment installments

APR of 26.90%
FIR of 13.51%

Renewal fees

£0

Cancellation fees
  • Cancellation fee within 14 days after purchase of policy (Cooling off Period): £25
  • Cancellation fee between 15 to 3 months after cooling off period: £45
  • Cancellation fee between 4 to 6 months after cooling off period: £40
  • Cancellation fee between7 to 9 months after cooling off period: £35
  • Cancellation fee between 10 to 12 months after cooling off period: £30
Modification fees

Mid-Term Adjustment fee: £25

Admin fees at Geoffrey

Other car insurance policies available at Geoffrey

Geoffrey learner driver car insurance

Geoffrey Insurance offers Learner Driver Car Insurance with the following features:

  • Comprehensive level of insurance for provisional licence holders
  • Short term covers available that may range between 30, 60 or 90 days while learning to drive
  • Payment for as many months as it takes to pass your test
  • The cover does not affect the car’s main insurance policy neither does it affect its no claims discount
  • You’re able to practice driving with a relative or friend in addition to any driving lessons you may be taking at the time.

Geoffrey business car insurance

You can use your car for business use, meaning using it to commute to and from your job. It is important to refer to your Certificate of Motor Insurance to ensure that business use is covered by your insurer.

Geoffrey van insurance

Unfortunately, Geoffrey discontinued their Van Insurance Policy since August 2019.

How to contact Geoffrey auto insurance?

Geoffrey phone numbers 

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

Contact numberOpening hours

Customer Service

  • 0808 196 1526 (Car Insurance)
  • 01346 416 820 (Learner Driver)

Monday to Friday: 8am to 9pm
Saturday: 9am to 5pm
Sunday: 9am to 4pm

Renewals/Adjustments

01227 284 020

Monday to Friday: 8am to 9pm
Saturday: 9am to 5pm
Sunday: 9am to 4pm

Claims for policies starting with DRCAR, DRCMV or 93XXXXXXX.XX

  • 01227 284090 (UK)
  • 00 44 1252 820161 (Outside UK)

Available 24/7

Claims for policies starting with 13XXXXXXX.XX

  • 0808 196 1549 (UK)
  • 00 44 808 196 1549 (Outside UK)

Available 24/7

Learner Insurance

  • 01227 284 848 or
  • 0800 012 1110

Monday to Friday: 8am to 9pm
Saturday: 9am to 5pm
Sunday: 9am to 4pm

Contact numbers at Geoffrey

Geoffrey other contact details

You'll find below Geoffrey main contact details:

Contact details of Geoffrey
Email address

[email protected]

Customer account with Geoffrey login

My account

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Geoffrey

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

Prospect House,
Thanet Way,
Whitstable CT5 3FD,
United Kingdom

How to cancel your car insurance at Geoffrey?

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, Geoffrey as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Geoffrey 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.

Geoffrey 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’.