NCI Insurance Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

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

4 Safe overall rating for NCI Insurance

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
Insufficient policy documents on website

Cover provided

Wide range of breakdown covers available
Up to 60 days of European travel as standard
Windscreen cover as standard for Comprehensive Cover only
Lack of covers

Value for money

Up to 70% NCD
Renewal fee charge of £10
High cancellation fee of £55 – £75

Financial strength for pay out

NCI Insurance Group has over 20 years experience in the insurance industry which plays a role in their high ability to pay out claims.

Technology

Online application process
Well organized and user friendly website
Don’t offer black box insurance

Safe rating for NCI Insurance

Expert and customer reviews on NCI Insurance

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

Review organisationConsumer satisfaction rates for NCI Insurance
Defaqto expert rating for NCI Insurance defaqto 3 stars 1
TrustPilot4/5 based on more than 1700 opinions
Consumer satisfaction rates on reviews for NCI Insurance

To check if NCI Insurance 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 NCI Insurance car insurance policy

NCI Insurance started by providing Breakdown Covers only and the proceeded to provide Car Insurance as well as Pet Insurance across all 3 levels of cover: Comprehensive, FT&TP and Third Party Only.

NCI Insurance works with several leading insurers in the UK to provide their products. Some of them are ABC Insurance, Ageas Insurance Limited, Alwyn Insurance Company, ARAG plc, Astrenska Insurance Ltd, Aviva Insurance, AXA Insurance, Coplus, Covea Insurance, Calpe Insurance Company, etc.

The also operate the RescueMyCar.com website which specialises in Breakdown Cover.

Since they’re mostly experienced in Breakdown Covers we would recommend this company to people looking to have Breakdown Cover as optional extras.

What does NCI Insurance car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at NCI Insurance?

Car insurance policyAvailable at NCI InsuranceCoverage 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 NCI Insurance

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

Main guarantees at NCI Insurance explained in details

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

Breakdown cover at NCI Insurance

NCI Insurance has partnered with Rescue My Car (An automotive service company that provides breakdown assistance) to provide you with 4 levels of Breakdown Cover:
Road Assistance with Local Recovery: this includes up to an hour of roadside assistance more than a 1/4 mile away from your home address in the event of a vehicle breakdown. If the vehicle cannot be repaired temporarily, then the vehicle, driver and up to 7 passengers will transported to a destination that is within a 10 mile radius from the breakdown site.
National Recovery: in addition to the benefits that come with Road Assistance with Local Recovery Breakdown Cover, you get the following benefits with this level:

  • Transport of the vehicle, the driver and up to 7 passengers to your home address or original destination
  • Alternative transport to your home address or original destination
  • Emergency alternative accommodation
    Home Assistance: this is an extention level of breakdown that you can add to any of the other 3 levels of breakdown covers. It includes the breakdown assistance of your vehicle at your home address or anywhere within 1/4 mile from your home.
    European Recovery: this cover includes all the benefits you get with the National Recovery Breakdown Cover plus the provision of roadside assistance for up to 30 days for a single trip and not more than 90 days per year.

Keycare cover at NCI Insurance

You get the following benefits per insured event:

  • Up to £100 for broken key or key locked in vehicle
  • Up to £40 per day for vehicle hire
  • Up to £100 for onward transport or overnight accommodation.

Windscreen cover at NCI Insurance

  • Windscreen cover is available as a standard and not available as an optional addition.
  • It is subject to a £100 excess if it’s replaced but there is no excess if it is repaired.

Motor legal protection at NCI Insurance

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 NCI Insurance

You’ll receive compensation in the event you or your family member is involved in car accident that caused an injury or death.

Coverage abroad at NCI Insurance

Free cover of up to 60 days for European travel is available. You’ll need to refer to your policy schedule for more information due to the difference of levels of covers from the several underwriters providing their products.

Courtesy car at NCI Insurance

A Hire Vehicle Policy Upgrade is available and it involves the provision of a hire car if the vehicle is deemed un-repairable due to an accident, fire, theft, attempted theft or malicious damage.

No-Claim Bonus (NCB) at NCI Insurance

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.

It can get as high as 70% of your premium. You can opt to protect your NCB during the registration of your policy or during renewals.

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

Claims on incidents caused by uninsured drivers will not affect your NCB.

At NCI Insurance, 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.

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. 

NCI Insurance car insurance terms and conditions

How much does NCI Insurance car insurance cost?

You'll find below indicative car insurance quotes at NCI Insurance:

Drivers'ageMonthly premium
18 years old£106,67
40 years old £43,99
60 years old£32,44
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of NCI Insurance 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 NCI Insurance?

There is no specific discount apart from the No-Claim Bonus available at NCI Insurance.

Discount typesComment
Discounts- Discount premiums if you had other vehicles.
- NCI Insurance offer free Breakdown Covers to their employees among other benefits.
Discounts and cashbacks available at NCI 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!

NCI Insurance car insurance policy summarized

Guarantees

At NCI Insurance
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Not stated
Limit- Not stated
Personal belongingsNot stated
Audio equipment

Not stated

Medical expenses

Not stated

Liability limit for property damageNot stated
Legal expenseNot stated
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

60 days

Guarantees at NCI Insurance

Excess

At NCI Insurance
Fire excessExcess- Not stated
Limit - Not stated
Theft excessExcess- Not stated
Limit - Not stated
Accidental damage excessNot stated
Windscreen replacement excessExcess- £100
Limit- Not stated
Young driver excess

Not Stated

Excess at NCI Insurance

Admin fees

At NCI Insurance
Interest charged by payment installments

Not Stated

Renewal fees

£10

Cancellation fees

Cancellation fees during cooling off period : £55
Cancellation fees outside cooling off period : £75

Modification fees

Mid-Term Adjustment fee: £15 – £35

Admin fees at NCI Insurance

Other car insurance policies available at NCI Insurance

NCI Insurance multi-car insurance

Unfortunately, NCI doesn’t offer Multi Car Cover but they do offer a discounted premium if you decide to take another cover for a second car.

NCI Insurance business car insurance

NCI Insurance has not stated anywhere if you could use your vehicle for business use. We would advise you to contact them directly and enquire about this before taking out an insurance policy with them if you’re looking to use your vehicle to go to and from work or for business purposes.

How to contact NCI Insurance auto insurance?

NCI Insurance phone numbers 

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

Contact numberOpening hours

Customer Service

01423 504 689

Monday to Friday: 9am to 6:30pm
Saturday: 9am to 1pm

Breakdown

01423 535 795

Not stated

Claims

01423 535 795

Available 24/7

Contact numbers at NCI Insurance

NCI Insurance other contact details

You'll find below NCI Insurance main contact details:

Contact details of NCI Insurance
Email address

[email protected]

Customer account with NCI Insurance login

My account

Social mediaTwitter
ChatbotNo
Contact details at NCI Insurance

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

NCI Insurance Services Ltd
4th Floor, Clarendon House
Victoria Avenue
Harrogate
North Yorkshire
HG1 1JD

How to cancel your car insurance at NCI Insurance?

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

NCI Insurance 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’.