Find out about People’s Choice and how it can help you source cheaper car insurance
Defaqto rating: 5/5 stars
People’s Choice car insurance is rated as 5 star by Defaqto, an independent financial research company.
Note: Not all Defaqto five-star rated products have the same covers and terms.
Trustpilot rating: 1.8/5 stars
As of July 2020, TrustPilot has given People’s Choice a rating of 1.8 out of 5 based on 36 reviews.
People's Choice is a trading name of Hastings Insurance Services which is based in Bexhill-on-Sea in East Sussex.
Hastings Insurance Services is part of the Hastings Group, which is listed on the London Stock Exchange.
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People’s Choice is a car insurance intermediary, so it works with car insurance providers rather than providing its own insurance. It is authorised by the Financial Conduct Authority to sell insurance.
This means People’s Choice works with several insurance providers, sometimes called a panel, in order to check and compare car insurance quotes.
People’s Choice is an intermediary so it can source cheaper quotes from a panel of insurance providers.
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People's Choice cannot offer quotes to drivers with criminal convictions or those who have more than 5 accidents, claims, losses, motoring convictions or endorsements in the past 5 years.
They also exclude cars that have been modified to enhance appearance or performance.
People’s Choice offers three types of car insurance:
People’s Choice does not offer short-term or temporary car insurance, except in certain circumstances to existing policyholders.
People’s Choice offers multi-car insurance which lets drivers cover between two and five cars on the same policy.
Hastings Direct, a sister company of People’s Choice, offers SmartMiles cover, telematics-based policy that monitors driving through a mobile app or online dashboard. SmartMiles offers hints and tips to improve your driver rating and lower the cost of cover.
It’s suitable if:
People’s Choice also allows drivers to customise their quote to include or exclude legal protection, personal accident cover and breakdown cover. There is also an option to protect your no claims bonus.
It's fully comprehensive policy includes:
People’s Choice say they want to reward safer drivers and encourage drivers to have a year no claims bonus before taking out a car insurance policy with them.
People’s Choice car insurance policies include the use of a courtesy car, if the insured car is being repaired by an authorised repairer. This benefit is subject to availability.
People’s Choice comprehensive car insurance cover includes cover for personal belongings up to £150 if they are lost in an accident, theft or fire.
If your car is damaged by vandals and you need to make a claim, you won’t lose your no claims bonus.
This is subject to whether:
All car insurance policies bought through People’s Choice include 90 days EU cover.
If you are in an accident that is not your fault and the driver of the vehicle that hits you is not insured, your no claims discount will not be affected, and you will not have to pay an excess as long as:
You can claim up to £100,000 to pay your legal costs, claim back your policy excess, or get compensation for you and your family if you suffer injury or loss of life in a non-fault motor accident that would not be covered by any standard car insurance policy.
People’s Choice car insurance offers four levels of breakdown cover, provided by the RAC:
If you suffer a specified injury in an accident, you will receive a benefit of £20,000. If you are a victim of road rage, this cover pays £100 for each day spent in hospital, along with other benefits.
People’s Choice’s sister company Hastings Direct has donated £50,000 for local charities as part of a local Covid-19 Community Commitment Grant Scheme
Hastings Direct made a further £50,000 available to support local charities in Bexhill and Leicester, on top of the initial £50,000 previously announced.
Hastings donated nearly £50,000 to many local charities over the past weeks from their COVID-19 Community Commitment Grant scheme.
The scheme aims to help the most vulnerable in our communities via food hamper provisions and through a community grant fund for local charities that colleagues would like Hastings to support.
In the Bexhill area, Hastings has been raising money for Dom’s Food Mission and in Leicester for Open Hands to support the work they both do for their local areas.
Collectively, colleagues and other supporters have donated over £7,300 to the charities so far, with Hastings kicking off the fundraising by donating £2,500 to each charity.
Hastings has helped many local charities via the grant scheme, including St Michael’s Hospice, Sussex 4x4 Response, and Warming Up The Homeless in the Bexhill area and Menphys, Leicester Islamic Academy and LOROS Hospice in Leicester.
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