For most motorists, insurance is little more than a necessary evil. You have to stay covered by law – so the only question remaining is which provider to opt for.
Competition is fiercer than ever for those policy pounds, so it’s a potential insurance minefield; there are dozens of brands, offering different levels of cover, with myriad caveats...
But thanks to your overwhelming response to our annual Driver Power owner satisfaction survey, Auto Express have once again been able to cut through the small print to publish a definitive list of the best and worst insurers.
Position Make Overall rating
1 NFU Mutual 86.74%
2 IAM Surety 85.98%
3 Royal and Sun Alliance 84.76%
4 Frizzell 84.50%
5 Ageas 82.95%
6 RIAS 81.09%
7 Liverpool Victoria 79.61%
8 SAGA 79.47%
9 Co-operative 78.40%
10 Marks & Spencer 78.09%
How are our results calculated?
The results are based on nearly 29,000 readers' ratings out of five in a number of categories – which now includes speed to settle claims, as well as the usual scores for communication, helpfulness and attitude, value for money and overall service.
These are averaged to produce overall percentage scores for each insurer. That then determines its final ranking in this year’s top 40 league table, which you will find in our Driver Power 2012 special issue, out 22 August.