Premium Choice is an insurance broker, arranging motor vehicle cover on behalf of more than 20 insurance underwriters. Several of these underwriters offer policies for the more expensive, speciality end of the car insurance market.
Defaqto rating: n/a
As a broker, Premium Choice is not rated by expert ratings websites such as Defaqto.
Trustpilot rating: 3.2/5 stars
Trustpilot gave Premium Choice a 3.2 star rating based on 48 reviews.
Premium Choice offers the usual range of policies and benefits and plenty of optional extras, and also provides expert guidance for niche products such as classic car insurance and cover for high-performance vehicles.
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Established in 1999 by Mark Woods and Richard Dornan – both directors at Express Insurance – Premium Choice developed its strategy based on specialising in niche insurance products.
Starting out with just Woods and Dornan and a copy of the Yellow Pages, the company has now sold more than a million insurance policies and has grown into a company with 180 staff at its Wolverhampton headquarters.
The company will insure almost any vehicle. As well as the standard car insurance market, the company will cover vans, motorbikes, custom modified vehicles, classic cars, supercars – it has even provided cover for fire engines and military vehicles. Indeed, it insured the tanks in the 2014 Brad Pitt war movie Fury.
The company has built its reputation on the provision of insurance cover to the more niche areas of the market. Although it provides competitively priced standard comprehensive plans for drivers of modest vehicles, it stands out for its coverage of the more flamboyant, specialist vehicle sector.
It has been widely praised on review websites for its customer service, and it prides itself on the wealth of experience of its experts in the specialist vehicle insurance unit, who are on hand to advise customers over the phone.
The Financial Ombudsman Service received fewer than 10 car insurance complaints about Premium Choice (that could have been a single complaint). To put that in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.