Grove and Dean Car Insurance Review
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This is the ultimate review to guide you through Grove and Dean car insurance.
You might already know that Grove and Dean 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 Grove and Dean 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 Grove and Dean car policy terms and conditions and given our own ratings based on different criteria.
4 Safe overall rating for Grove and Dean
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
High customer care review of 4.5/5 based on 6,859 opinions on TrustPilot | |
| Cover provided |
Insurance is provided for classic cars | |
| Value for money |
Discounts are offered for ex company car drivers | |
| Financial strength for pay out | Grove & Dean was established in 1974 and is a leading, family run financial services organisation which gives the company a high capability to pay out claims. | |
| Technology |
Live chat option available |
Expert and customer reviews on Grove and Dean
We compiled expert and customer reviews from independent institutions, to give you an overall idea of Grove and Dean's reputation.
| Review organisation | Consumer satisfaction rates for Grove and Dean |
|---|---|
| TrustPilot | 4,5/5 based on 6,859 reviews |
To check if Grove and Dean 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 Grove and Dean car insurance policy
Grove & Dean was established in 1974, and since then, it has become one of the UK’s largest independent insurance brokers, the insurance company works with other insurers to provide top notch and reliable insurance services.
Apart from car insurance, Grove and Dean also provides temporary car insurance, insurance for classic cars, vans, motorcycles and homes, provide related cover such as warranty insurance, classic car, and motorcycle insurance. It also offers learner driver, new driver, and student driver insurance. All policies come with a range of standard and additional benefits.
There is a live chat option and the insurance company has good reviews on both Reviews.co.uk and TrustPilot. Customer care service is good and quotes can also be taken out online.
The insurance company is recommended for drivers looking for high quality insurance and also new and learning drivers.
What does Grove and Dean car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at Grove and Dean?
| Car insurance policy | Available at Grove and Dean | 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 Grove and Dean explained in details
Let's find out what does Grove and Dean covers in its car insurance policy.
Breakdown cover at Grove and Dean
The Breakdown cover provided by Grove and Dean is underwritten by AXA and it offers the follwoing:
Roadside Recovery This is offered as a standard on the Grove and Dean policy. In the event of a breakdown, roadside assitance is provided for one hour. Also, an alternative source of transportation is provided for the driver and his passengers within 20 miles of the breakdown location
Nationwide Recovery in the UK This is also offered as a staandard. In the case that the vehicle can be repaired immediately, any of the following can be provided:
- Nationwide recovery
- Overnight accommodation- A sum of £80 is provided for each person and for all passengers, a total of £500 is provided to cover overnight accommodation
- 24 hour UK Car hire- A sum of £100 is provided to cover this
Homestart in the UK Recovery services are provided in the case that the vehicle breaks down close to the driver’s home
Misfuelling cover A maximum value of £250 and only two misfuelling vlaims are attended to every year
European recovery Breakdown cover is provided in foreign countries. Unlike the others, this breakdown cover is not provided as a standard.
Keycare cover at Grove and Dean
The Keycare cover provided is underwritten by any of the insurers and this includes Aviva, Highway, Marker Study, Zenith, Sabre and AXA. Aviva is selected in this case and they provide cover for replacement locks in the case that the ignition keys are either misplaces or stolen provided that it is certain the person who took it can gain access to the car. The cover provides the following:
- cost of replacing the affected lockslock transmitter and central locking interface
- cost of replacing the affected parts of the alarm and/or immobiliser.
Windscreen cover at Grove and Dean
Grove and Dean with Aviva as the insurer offers the following as a part of its windscreen cover:
- Payment for the replacement or repair of the glass in your car’s windscreen, sunroof or windows
- Payment for the repair of the body of the car in the case that it has been damaged by the broken glass.
Motor legal protection at Grove and Dean
Grove & Dean Legal Cover strives to recover all of the uninsured losses in the case that the driver is not at fault and the third party can be identified. A sum of £100,000 is provided to cover legal expenses.
Personal policy injury available at Grove and Dean
Grove and Dean provides Personal Accident cover and it is only available on the Comprehensive policy option. No other information was provided on the website as regards this and the policy documents are also not available.
Coverage abroad at Grove and Dean
Abroad coverage is available under the cover policies provided and this coverage allows the holders to travel through Europe for 90 days. This is only available on the Comprehensive policy. The list of countries includes:
Republic of Ireland, Northern Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
No-Claim Bonus (NCB) at Grove and Dean
The NCB will keep increasing every year provided the driver does not get involved in any incident that may require having to file a claim. No NCB rate is stated on the website or policy documents.
If the driver was involved in an accident that was his/her fault, the NCB will be affected
At Grove and Dean, 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.
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.
Grove and Dean car insurance terms and conditions
How much does Grove and Dean car insurance cost?
You'll find below indicative car insurance quotes at Grove and Dean:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £104,21 |
| 40 years old | £42,98 |
| 60 years old | £31,69 |
Costs of Grove and Dean 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 Grove and Dean?
Discounts for ex company car drivers. Cashback vouchers are available for both car and van insurance. Discounts for car club members for the classic car insurance.
| Discount types | Comment |
|---|---|
| Discounts | - Discounts are given to ex-company drivers. - For the classic car insurance, discounts are given to drivers that are members of the car club. |
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!
Grove and Dean car insurance policy summarized
Guarantees
| At Grove and Dean | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Not stated |
| Loss or theft of keys | Excess- Not stated Limit- Not stated |
| Personal belongings | Excess- Not stated Limit- Not stated |
| Audio equipment | Excess- Not stated Limit- Not stated |
| Medical expenses | Excess- Not stated |
| Liability limit for property damage | £20,000,000 |
| Legal expense | £100,000 |
| Courtesy car benefit | As standard |
| Courtesy car cover | Duration of repair |
| Coverage abroad | 90 days |
Excess
| At Grove and Dean | |
|---|---|
| Fire excess | Excess- Not stated Limit- Not stated |
| Theft excess | Excess- Not stated Limit- Not stated |
| Accidental damage excess | Excess- Not stated Limit- Not stated |
| Windscreen replacement excess | Excess- Not stated Limit- Not stated |
| Young driver excess | Not Stated |
Admin fees
| At Grove and Dean | |
|---|---|
| Interest charged by payment installments | Not Stated |
| Renewal fees | £0 |
| Cancellation fees | Details not stated |
| Modification fees | Details not stated |
Other car insurance policies available at Grove and Dean
Grove and Dean multi-car insurance
Grove and Dean offers Multi vehicle policies and offers customers discounts when more than one car is registered under the same address on the same insurance policy. No other details as regards this was provided on the website.
Grove and Dean classic car insurance
Grove and Dean provides classic car insurance and the following are offered:
- Provision of courtsey car
- Misfuelling services
- Breakdown cover
- 90 days foreign use cover
- Motor legal protection
- Personal accident cover
- 24/7 claims service.
Grove and Dean short term cover
Grove and Dean offers temporary car insurance and the following are available:
- Short term cover from i day to 1 month
- Flexible cover options
- 24/7 Claims helpline
Protection is also given in the case that the driver does not have NCB.
Grove and Dean learner driver car insurance
Grove and Dean offers insurance to learning drivers and the insurance policy is underwritten by Marmalade.
The insurance policy is valid for 30, 60 or 90 days but it can be renewed as often as it is needed.
Having a learner driver policy means that the NCB of the car owner would not be affected in the case that a claim has to be taken out.
Grove and Dean van insurance
Grove and Dean offers van insurance services and it includes the following:
- Provision for courtsey vehicle
- Misfuelling services
- Breakdown cover
- £100,000 worth of legal expenses.
How to contact Grove and Dean auto insurance?
Grove and Dean phone numbers
You will find all important phone numbers to contact Grove and Dean car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer Service | 01708 925059 | Mon to Fri 8:30am to 7:30pm |
Breakdown cover for AXA | 0330 123 5441 | Available 24/7 |
Grove and Dean other contact details
You'll find below Grove and Dean main contact details:
| Contact details of Grove and Dean | |
|---|---|
| Email address | |
| Customer account with Grove and Dean login | |
| Social media | Facebook, Twitter |
| Chatbot | Available |
You can also contact them by mail by writing to Grove and Dean car insurance:
Grove and Dean car insurance
Tollgate House,
Romford
RM1 3ER,
United Kingdom
How to cancel your car insurance at Grove and Dean?
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, Grove and Dean as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Grove and Dean 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!
Grove and Dean 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’.
