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Principal car insurance

Principal is an independent motor insurance broker that looks to appeal to people whose car may well be just that little bit different.

How good is Principal car insurance?

Trustpilot: 3.6/5 stars

Trustpilot users have given Principal car insurance a rating of 3.6 out of five based on 468 reviews.

Reviews.co.uk: 4.1/5 stars

Principal car insurance is rated 4.12 out of five by the 330 people who have left a review on reviews.co.uk


About Principal insurance

Although it does offer insurance for mass market cars, it specialises in finding cover for more unusual vehicles such as classic cars, kit cars and motorhomes.

And if you should fancy taking your car on a track day, thrashing it round a rally course or using it to get people to the church on time, Principal can find insurance for that as well. 

Founded in 2011, the broker is a relative newcomer to the insurance field but now has more than 45,000 policyholders.

As it was set up by a former director of bike insurance specialist Carole Nash, Principal also offers a range of motorbike insurance, including for trikes and quad bikes.

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Principal car insurance policies

Principal standard car insurance

Principal car insurance optional extras

What is Principal car insurance best for?

Principal is probably most worth a look if your car is not the same as half the cars on your street. 

While it will insure Golfs and Astras, Principal markets itself as offering insurance for “a wider spectrum of specialist vehicles and their owners than any other broker or intermediary”.

Vehicles it offers insurance for include:

  • classic cars

  • prestige cars

  • kit cars

  • high performance cars

  • specialist vehicles

Complaints data

The Financial Ombudsman Service received fewer than 10 complaints about Principal motor insurance in the first half of 2020. 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.

Get a car insurance quote

See a range of car insurance quotes in just a few minutes when you compare with Uswitch