Quote Detective Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

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

3 Safe overall rating for Quote Detective

Our ratingOur opinion
Customer service & satisfaction

Quote Detective is customer service oriented
Average reviews on TrustPilot
Little or no information about the servicess provided in details
Policy documents are only available after the purchase of an insurance policy
No 24/7 claims helpline
3.3/5 based on 3 opinions on Trustpilot

Cover provided

Cover is offered for high risk drivers
Cover is provided for young drivers
Cover is provided for classic cars

Value for money

Discounts are offered when the customer pays in advance for the service provided
Policy changes incurs a service fee of £35
Cancelling an insurance policy within the cooling period attracts a fee of £100 including admin fee

Financial strength for pay out

Quote Detective is underwritten by a panel of insurers including Equity and Markerstudy and it was establihed in 2013 and as such have an average financial capability to pay out claims.

Technology

Inadequate provision of information as regarding the services provided by the insurance company
Absence of technological advancements like Black box
Absence of live bot

Safe rating for Quote Detective

Expert and customer reviews on Quote Detective

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

Review organisationConsumer satisfaction rates for Quote Detective
TrustPilot3,6/5 based on 4 opinions
Consumer satisfaction rates on reviews for Quote Detective

To check if Quote Detective 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 Quote Detective car insurance policy

Quote Detective was founded in 2013 and its customer care service is majorly online. This insurance company specialises in providing insurance services for high risk drivers, e.g. drivers with motoring convictions, drivers with high performance or modified vehicles, and young drivers. provides motor insurance to specialist markets such as drivers with convictions, modified vehicles, and young drivers.

Quote Detective offers three levels of cover and these covers come with different features, all of which are dependent on the customer insurance company in charge of the insurance policy. No policy document is provided for Quote Detective and as such, more information on the services provided can only be gotten from the other companies.
Also, since it is mostly an online based insurance company, there is a limited number of available contacts provided on the website.

The company is recommended, especially for high risk drivers who don’t mind online communication methods.

What does Quote Detective car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Quote Detective?

Car insurance policyAvailable at Quote DetectiveCoverage 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 Quote Detective

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

Main guarantees at Quote Detective explained in details

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

Breakdown cover at Quote Detective

As the policy document is not provided, details like this are not available.

Keycare cover at Quote Detective

It is available, however, as the policy document is not provided, details like this are not available.

Windscreen cover at Quote Detective

As the policy document is not provided, details like this are not available.

Motor legal protection at Quote Detective

As the policy document is not provided, details like this are not available.

Personal policy injury available at Quote Detective

As the policy document is not provided, details like this are not available.

Coverage abroad at Quote Detective

No information is provided as regards this on the company’s website.

Courtesy car at Quote Detective

As the policy document is not provided, details like this are not available.

No-Claim Bonus (NCB) at Quote Detective

Quote Detective will allow a driver accumulate NCD for a maximum of 5 years which translates to a 60% discount.

No information is provided as regards this on the company’s website.

At Quote Detective, 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.

No information is provided as regards this on the company's website.

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. 

Quote Detective car insurance terms and conditions

How much does Quote Detective car insurance cost?

You'll find below indicative car insurance quotes at Quote Detective:

Drivers'ageMonthly premium
18 years old£118,07
40 years old £48,69
60 years old£35,90
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Quote Detective 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 Quote Detective?

Discounts are offered for early purchase of insurance policy at Quote Detective.

Discount typesComment
DiscountsDiscount is given when the driver buys out the insurance policy few weeks in advance.
No amount however is stated.
Discounts and cashbacks available at Quote Detective

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!

Quote Detective car insurance policy summarized

Guarantees

At Quote Detective
NCB benefitno
Uninsured driver NCB benefitno
Loss or theft of keysno
Personal belongingsno
Audio equipment

No

Medical expenses

no

Liability limit for property damageno
Legal expenseno
Courtesy car benefit

As standard

Courtesy car cover

14 days

Coverage abroad

no

Guarantees at Quote Detective

Excess

At Quote Detective
Fire excessno
Theft excessno
Accidental damage excessno
Windscreen replacement excessno
Young driver excess

no

Excess at Quote Detective

Admin fees

At Quote Detective
Interest charged by payment installments

Variable

Renewal fees

no

Cancellation fees

Cancellation fees during cooling off period : £100
Cancellation fees outside cooling off period : £50

Modification fees

Adjustment fee: £35

Admin fees at Quote Detective

Other car insurance policies available at Quote Detective

Quote Detective multi-car insurance

Quote Detective offers Multi car insurance for more than one car registered at the same address. Also, different types of vehicles can be insured together under the Multi car policy. Their team of specialists can also insure a mixture of vehicle types such as cars, vans and horseboxes.

Quote Detective classic car insurance

Insurance for classic cars is not provided but Quote Detective provides car insurance for high performance and modified cars at a reasonable prices.

How to contact Quote Detective auto insurance?

Quote Detective phone numbers 

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

Contact numberOpening hours

Customer Service

0333 222 4005

Monday – Friday : 9:00am to 7:00pm
Saturday : 9:00am to 2:00pm
Sunday and Bank Holidays : Closed

Claims

0208 487 0642

Monday – Friday : 9:00am to 7:00pm
Saturday : 9:00am to 2:00pm
Sunday and Bank Holidays : Closed

Contact numbers at Quote Detective

Quote Detective other contact details

You'll find below Quote Detective main contact details:

Contact details of Quote Detective
Email address

[email protected]

Customer account with Quote Detective login

no

Social mediaFacebook, Twitter, Instagram, Linkedin
ChatbotNo
Contact details at Quote Detective

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

Quote Detectives Car Insurance
Unit 12,
Technium Springboard,
Llantarnam Park,
Cwmbran, Torfaen, Gwent,
UNITED KINGDOM, NP44 3AW.

How to cancel your car insurance at Quote Detective?

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

Quote Detective 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’.