Grove and Dean Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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 ratingOur opinion
Customer service & satisfaction

High customer care review of 4.5/5 based on 6,859 opinions on TrustPilot
High customer care review on Reviews.co.uk
Customer queries are resolved quickly
Live chat option is available
Friendly and helpful customer care service
Only one telephone number is provided on the website

Cover provided

Insurance is provided for classic cars
Multi-car insurance is provided
90 days foreign use cover is offered
Insurance is provided for learning drivers, student drivers and new drivers
Telematics insurance is not offered

Value for money

Discounts are offered for ex company car drivers
Cashback vouchers are available for both van and car insurance
Payments in monthly installments is allowed

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
Insurance policies can be taken out and modified online
User friendly website
Policy documents are not available on the website
No use of technological advancements like Mobile apps, Black box

Safe rating for Grove and Dean

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 organisationConsumer satisfaction rates for Grove and Dean
TrustPilot4,5/5 based on 6,859 reviews
Consumer satisfaction rates on reviews for Grove and Dean

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.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.

Compare

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 policyAvailable at Grove and DeanCoverage 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 Grove and Dean

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.

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'ageMonthly premium
18 years old£104,21
40 years old £42,98
60 years old£31,69
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

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.

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 typesComment
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.
Discounts and cashbacks available at Grove and Dean

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 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 damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Grove and Dean

Excess

At Grove and Dean
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 Grove and Dean

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

Admin fees at Grove and Dean

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 numberOpening hours

Customer Service

01708 925059

Mon to Fri 8:30am to 7:30pm
Saturday 9:00am to 5:00pm
Sunday & Bank Holidays 10:00am to 4:00pm

Breakdown cover for AXA

0330 123 5441

Available 24/7

Contact numbers at Grove and Dean

Grove and Dean other contact details

You'll find below Grove and Dean main contact details:

Contact details of Grove and Dean
Email address

[email protected]

Customer account with Grove and Dean login

My account

Social mediaFacebook, Twitter
ChatbotAvailable
Contact details at Grove and Dean

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.

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’.