Right choice Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Right choice car insurance.

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

4 Safe overall rating for Right choice

Our ratingOur opinion
Customer service & satisfaction

Online application process
High customer satisfaction rate on Trust Pilot
Long and tedious claim process
No live chat feature available
Lack of policy documents available on website

Cover provided

Wide range of covers available
Specialist car insurer offering covers for convicted driveres, imported cars and high performance covers
Limited information on coverage due to lack of policy documents on the website

Value for money

Affordable premiums
NCB available
High renewal fee of £75
[x[ High cancellation fee of £60

Financial strength for pay out

Right Choice Insurance Brokers have over 20 years experience in the insurance industry.


User friendly website
Online portal
No black box insurance cover available

Safe rating for Right choice

Expert and customer reviews on Right choice

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

Review organisationConsumer satisfaction rates for Right choice
TrustPilot4/5 based on more 4500 opinions
Consumer satisfaction rates on reviews for Right choice

To check if Right choice 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.


Our review on Right choice car insurance policy

Right Choice Insurance Brokers offers a variety of covers such as car insurance, van insurance, home insurance and motorbike insurance.

Their car insurance cover is available in the 3 levels: Comprehensive, Third Party, Fire & Theft and Third Party Only.

Unfortunately, Right Choice Insurance Brokers do not disclose detailed information regarding their insurance covers on their website. It is important that you request for detailed policy documents before signing up with them.

What does Right choice car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Right choice?

Car insurance policyAvailable at Right choiceCoverage 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
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Right choice

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

Main guarantees at Right choice explained in details

Let's find out what does Right choice covers in its car insurance policy.

Breakdown cover at Right choice

Right Choice Insurance offers breakdown covers from 3 Breakdown companies that offer different types of breakdown service. Below are some details on what the covers entail:
AutoAid Breakdown: this covers roadside assistance and recovery in the UK. The recovery includes the driver, up to 5 passengers, the vehicle and any caravans attached to your vehicle to any destination of your choice.
Autonational Roadside Cover:this covers the car and not the driver making it suitable for families who share the car. You can expect the following benefits with this cover:

  • Recovery of vehicle and passengers to a destination of your choice within a 10 miles radius from the breakdown site
  • Emergency message service where they can send messages to your family or work to inform them about your breakdown incident
  • Assistance in cases involving loss of keys
  • Can offer assistance in cases of accidents, theft or vandalism
  • You’ll be eligible for a 50% discount for a second car.
    Euro Rescue: this covers breakdown and recovery services in case your vehicle breaksdown in an European country that is not the UK.

Keycare cover at Right choice

Key Cover is available

Windscreen cover at Right choice

Windscreen cover is available as a standard if you take out a Comprehensive Policy.

Motor legal protection at Right choice

Legal Cover is available as standard in the Comprehensive level of cover.

Personal policy injury available at Right choice

Personal injury compensation is covered but amount is not disclosed.

Coverage abroad at Right choice

European travel is covered by Right Choice Insurance. It covers up to 60 days of travel within an insurance period provided that the days don’t exceed 30 per travel.

No-Claim Bonus (NCB) at Right choice

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.

In the event of 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 Right Choice Insurance Brokers manages to recover the cost from the responsible party.

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

At Right choice, 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.

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. 

Right choice car insurance terms and conditions

How much does Right choice car insurance cost?

You'll find below indicative car insurance quotes at Right choice:

Drivers'ageMonthly premium
18 years old£116,84
40 years old £48,18
60 years old£35,53
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Right choice 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 Right choice?

The only discount currently available at Right Choice is the NCD.

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!

Right choice car insurance policy summarized


At Right choice
NCB benefitYes
Uninsured driver NCB benefitYes
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 damageExcess- Not stated
Limit- Not stated
Legal expenseExcess- Not stated
Limit- Not stated
Courtesy car benefit

As standard with Comprehensive Policy

Courtesy car cover

Duration of repair of your car.

Coverage abroad

60 days

Guarantees at Right choice


At Right choice
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 Right choice

Admin fees

At Right choice
Interest charged by payment installments

Not Stated

Renewal fees


Cancellation fees

Cancellation fee within 14 days after purchase of policy (Cooling off Period): £60
Cancellation fee beyond 14 days (Cooling off Period): £60 plus percentage of premium based on the period of cover

Modification fees

Mid-Term Adjustment fee: £35 – £40.25

Admin fees at Right choice

Other car insurance policies available at Right choice

Right choice short term cover

Right Choice Insurance Brokers offers temporary car insurance ranging from 1 day to 28 days. You can get your temporary car insurance quote generated in a matter of minutes and you can get instant cover.

Right choice van insurance

Right Choice Insurance Brokers provide a number of van insurance cover such as personal van insurance, courier vans, delivery vans, and camper vans.

They also offer short term van insurance that can range from 1 to 28 days.

How to contact Right choice auto insurance?

Right choice phone numbers 

You will find all important phone numbers to contact Right choice car insurance:

Contact numberOpening hours

Customer service

0345 555 0666

Monday to Friday: 8am to 8pm
Saturday: 9am to 7pm
Sunday: 11am to 4pm


01708 200 639 (Alwyn Insurance)
0800 240 4998 (Pukka Insurance)
0345 241 0519 (All Other Motor Insurers)

Available 24/7


0345 600 6443 (Autoaid)
01277 720 720 (Auto National)
44 (0)1206 785945 (Euro Rescue)

Available 24/7


01708 336 518

Monday to Friday: 8am to 8pm
Saturday: 9am to 7pm
Sunday: 11am to 4pm


01708 336 519

Monday to Friday: 8am to 8pm
Saturday: 9am to 5pm
Sunday: Closed

Contact numbers at Right choice

Right choice other contact details

You'll find below Right choice main contact details:

Contact details of Right choice
Email address

[email protected]

Customer account with Right choice login

My account

Social mediaFacebook
Contact details at Right choice

You can also contact them by mail by writing to Right choice car insurance:

St James House,
27-43 Eastern Rd,
Romford RM1 3NH,
United Kingdom

How to cancel your car insurance at Right choice?

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

Right choice 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’.