Right choice Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
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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 rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Online application process | |
| Cover provided |
Wide range of covers available | |
| Value for money |
Affordable premiums | |
| Financial strength for pay out | Right Choice Insurance Brokers have over 20 years experience in the insurance industry. | |
| Technology |
User friendly website |
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 organisation | Consumer satisfaction rates for Right choice |
|---|---|
| TrustPilot | 4/5 based on more 4500 opinions |
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.
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 policy | Available at Right choice | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
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.
Good to know
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'age | Monthly premium |
|---|---|
| 18 years old | £116,84 |
| 40 years old | £48,18 |
| 60 years old | £35,53 |
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.
Good to know
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
Guarantees
| At Right choice | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | Excess- Not stated Limit- Not stated |
| Personal belongings | Excess- Not stated
Limit- Not stated |
| Audio equipment | Excess- Not stated |
| Medical expenses | Excess- Not stated |
| Liability limit for property damage | Excess- Not stated
Limit- Not stated |
| Legal expense | Excess- 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 |
Excess
| At Right choice | |
|---|---|
| Fire excess | Excess- Not stated Limit- Not stated |
| Theft excess | Excess- Not stated
Limit- Not stated |
| Accidental damage excess | Excess- Not stated
Limit- Not stated |
| Windscreen replacement excess | Excess- Not stated Limit- Not stated |
| Young driver excess | Not Stated |
Admin fees
| At Right choice | |
|---|---|
| Interest charged by payment installments | Not Stated |
| Renewal fees | £75 |
| Cancellation fees | Cancellation fee within 14 days after purchase of policy (Cooling off Period): £60 |
| Modification fees | Mid-Term Adjustment fee: £35 – £40.25 |
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 number | Opening hours | |
|---|---|---|
Customer service | 0345 555 0666 | Monday to Friday: 8am to 8pm |
Claims | 01708 200 639 (Alwyn Insurance) | Available 24/7 |
Breakdown | 0345 600 6443 (Autoaid) | Available 24/7 |
Renewals | 01708 336 518 | Monday to Friday: 8am to 8pm |
Mid-Adjustment/Cancellation | 01708 336 519 | Monday to Friday: 8am to 8pm |
Right choice other contact details
You'll find below Right choice main contact details:
| Contact details of Right choice | |
|---|---|
| Email address | |
| Customer account with Right choice login | |
| Social media | |
| Chatbot | No |
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.
Watch out!
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’.
