Performance direct Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

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

4 Safe overall rating for Performance direct

Our ratingOur opinion
Customer service & satisfaction

High customer satisfaction rate on Trust Pilot and reviews.co.uk
Live chat feature
Online application process and quote generation
24/7 claims line
Customer serives available 7 days a week
Policy documents not available on website

Cover provided

Performance Direct is an insurance broker and offers a wide range of insurance policy such as Classic Car, Multi Car, Convicted Driver Insurance, Temporary Car Insurance, etc that is underwritten by top UK insurers such as Ageas, Aviva, KGM, Liverpool Victoria, Highway, etc
All 3 main levels of cover available: Comprehensive, FT&TP and Third Party Only
Foreign use available as standard
Black Box Insurance available
Lack of wide range of optional covers

Value for money

Reasonably priced premiums
Availability of No Claims Bonus
No renewal fee
High cancellation fee of £25

Financial strength for pay out

Performance Direct is underwritten by a panel of leading insurance companies in the UK such as Ageas, Aviva, KGM, Liverpool Victoria, Highway, MarkerStudy, Zurich, Zenith, etc which gives the company a high capability to pay out claims.

Technology

User friendly website
Availability of live chat feature
Online application process
Availability of customer portal
No telematics insurance offered

Safe rating for Performance direct

Expert and customer reviews on Performance direct

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

Review organisationConsumer satisfaction rates for Performance direct
TrustPilot4,3/5 based on more than 7700 opinions
Consumer satisfaction rates on reviews for Performance direct

To check if Performance direct 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 Performance direct car insurance policy

Performance Direct is an insurance broker that offers a wide range of insurance policy such as Classic Car, Multi Car, Convicted Driver Insurance, Temporary Car Insurance, etc that is underwritten by top UK insurers such as Ageas, Aviva, KGM, Liverpool Victoria, Highway, etc.

Unfortunately, there are no policy documents available on the website and since their covers are offered by several other insurers, it is important to note that the figures to do with the limits and excesses may vary.

We would still recommend this insurance company given its high customer satisfaction rate and the types of coverage they offer. However, we would advise you to request for policy documents before you sign up with them so that you can get a better idea of what to expect.

What does Performance direct car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Performance direct?

Car insurance policyAvailable at Performance directCoverage 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 Performance direct

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

Main guarantees at Performance direct explained in details

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

Breakdown cover at Performance direct

Performance Direct offers 4 levels of Breakdown Cover:
UK Roadside Assistance: this cover comes with the following benefits:

  • Roadside assistance if your vehicle breaks down more than 1/4 mile from your home or your regular garage
  • If vehicle cannot be fixed on the roadside, it will be transported to the nearest repairer garage as long as it is within 10 miles from the breakdown site
    UK Roadside Recovery: in addition to the benefits that come with the UK Roadside Assistance, this cover provides the following:
  • If you breakdown more than 1/4 mile from your home and your vehicle cannot be fixed on the roadside on the same day, you, the vehicle and passengers will be transported to any destination of your choice as long as it is within the UK.
  • If you happen to be ill and cannot drive, a replacement driver will provided for you.
    Homestart Assistance: in addition to the benefits that come with the UK Roadside Recovery cover, this cover provides the following:
  • Breakdown assistance if your vehicle breaks down at your home address or anywhere within a 1/4 mile from you home address
  • Onward transport of either a 48 hour hire car or fare for alternative transport
  • Overnight accommodation if the vehicle cannot be fixed on the same day and you’re willing to wait a day for it to be fixed.

Keycare cover at Performance direct

  • Keycare Cover may be available as standard if you take a comprehensive level policy depending on the insurer.
  • The limit of the cover may also vary from insurer to insurer.

Windscreen cover at Performance direct

  • Windscreen cover is available as standard if you take a comprehensive level of cover although this may depend on the underwriter
  • Performance Direct can offer Windscreen Cover at an additional charge if the underwriter does not include it as a standard in their comprehensive cover.

Motor legal protection at Performance direct

Up to £100,000 of legal costs in case you are involved in an accident that is not your fault.

Personal policy injury available at Performance direct

  • Personal Injury Policy is not available as an upgrade at Performance Direct but it is available as standard if you take a Comprehensive Level of cover.
  • It covers up to £10,000 in case of permanent loss of limbs or loss of eyesight in one or both eyes, or death in the event of an accident.

Coverage abroad at Performance direct

The level and duration of cover varies from underwriter to underwriter.
Performance Direct advises you to contact them and let them know about your travel plans in advance so that they can sort you out accordingly.

No-Claim Bonus (NCB) at Performance direct

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. NCD protection is available at an extra fee.

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 Performance Direct is able to recover all costs from the responsible party.
Claims on Windscreen Cover will not affect your No Claims Bonus.

At Performance direct, 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. 

Performance direct car insurance terms and conditions

How much does Performance direct car insurance cost?

You'll find below indicative car insurance quotes at Performance direct:

Drivers'ageMonthly premium
18 years old£105,44
40 years old £43,48
60 years old£32,06
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Performance direct 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 Performance direct?

Apart from No Claims Discount, Performance Direct also offers Car Club Members discount and Multi Car Discounts.

Discount typesComment
DiscountsDiscounts are available for Car Club Memberships and Multi Car Policy although the amount of percentage has not been disclosed on the website.
Discounts and cashbacks available at Performance direct

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!

Performance direct car insurance policy summarized

Guarantees

At Performance direct
NCB benefitYes
Uninsured driver NCB benefitNot Stated
Loss or theft of keysExcess- Not stated
Limit- £200
Personal belongingsExcess- Not stated
Limit- £200
Audio equipment

Excess- Not stated
Limit- £250 if not fitted by manufacturer and unlimited if fitted by manufacturer.

Medical expenses

Excess- Not stated
Limit- £250

Liability limit for property damage£20,000,000
Legal expenseNot Stated
Courtesy car benefit

Not Stated

Courtesy car cover

Not Stated

Coverage abroad

Varies

Guarantees at Performance direct

Excess

At Performance direct
Fire excessExcess- Not stated
Limit- Not stated
Theft excessExcess- Not stated
Limit- Not stated
Accidental damage excessNot Stated
Windscreen replacement excessExcess- Not stated
Limit- £250
Young driver excess

Not Stated

Excess at Performance direct

Admin fees

At Performance direct
Interest charged by payment installments

Not Stated

Renewal fees

£0

Cancellation fees

Cancellation fees outside cooling off period: £25 plus percentage of premium for the days you were covered.

Modification fees

Mid-Term Adjustment: £10 + Insurance Premium Tax

Admin fees at Performance direct

Other car insurance policies available at Performance direct

Performance direct multi-car insurance

  • Performance Direct offers Multi Car cover for more than 3 cars or vehicles provided that they are registered at the same home address.
  • The cover can be used for 3 or more cars or 3 or more mixture of vehicles such as car, bikes, and vans.

Performance direct classic car insurance

Performance Direct offers Classic Car Insurance that is tailored to meet your needs. In addition to the benefits that come with standard car insurance, they also offer Agreed Valuation and have vast experience in all Classic Car Makes and Models.

The following are some of the type of classic car insurance available:

  • Laid Up Insurance
  • Limited Mileage Insurance Cover
  • Collectors Multi Vehicle Insurance
  • Wedding Car Insurance

Performance direct short term cover

Performance Direct offers Temporary Car Insurance for 1 day to up to 1 month. The cover is flexible and is available in all levels of cover such as Comprehensive, FT&TP and Third Party Only.

Performance direct learner driver car insurance

Learner Driver Insurance is available at Performance Direct. It comes with the following features:

  • The duration of the cover is flexible and you can choose to get covered for 30 days, 60 days or 90 days with the possibility to renew your policy as often as you want.
  • A perk that comes with purchasing Performance Direct’s Learner Driver Insurance is the discounted premium you get once you pass your driving test and are ready to acquire a Standard Car Insurance.

Performance direct business car insurance

Performance Direct does not mention anything regarding Business Use anywhere in their website but we would advise you to contact them and enquire about this before you sign up for an insurance policy.

Performance direct van insurance

The following types of Van Insurance are available at Performance Direct:

  • Personal Van Insurance (For private Use)
  • Fleet Van Insurance (For Commercial Use)

The following are some of the benefits that come with the Van Insurance:

  • Cover for up to 90 days to use the Van in foreign countries
  • Optional extras available such as Breakdown, Motor Legal Cover, Excess Protection and Tools in Transit Cover
  • Wide range of coverage available
  • Access to a team of Van experts.

How to contact Performance direct auto insurance?

Performance direct phone numbers 

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

Contact numberOpening hours

Customer Service

01708 925 054

Monday to Friday: 8:30am to 7:30pm
Saturday: 9am to 5pm
Sunday: 10am to 4pm
Bank Holidays: 10am to 4pm

Claims

01708 925 057

Available 24/7

Breakdown

0800 681 6269

Available 24/7

Motor Legal

01708 925 057

Available 24/7

Request for Quote

01708 564 143

Monday to Friday: 8:30am to 7:30pm
Saturday: 9am to 5pm
Sunday: 10am to 4pm
Bank Holidays: 10am to 4pm

Goods in Transit Claim

0161 235 3800

Available 24/7

Contact numbers at Performance direct

Performance direct other contact details

You'll find below Performance direct main contact details:

Contact details of Performance direct
Email address

[email protected]

Customer account with Performance direct login

[My account](https://myportal.performancedirect.co.uk/account/login?ReturnUrl=%2Fcustomer%2Findex

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Performance direct

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

Performance Direct
Tollgate House
96 Market Place
Romford
Essex
RM1 3ER

How to cancel your car insurance at Performance direct?

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

Performance direct 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’.