Endsleigh Car Insurance Review

We asked a large team of people to visit the Endsleigh Car Insurance website and report back to us about how easy it was to use and whether the website offered all the car insurance services and covers they required.
The Car Insurance review team consisted of a cross section of UK demographics, car types , occupations and ages; the only common factor was that none of the team had bought car insurance online before.
The object of the review was to rate the ease of use, online information, cover options and services of the website; not just to compare car insurance quotes and covers.

CAR INSURANCE COMPANY: Endsleigh Car Insurance
Website: http://www.endsleigh.co.uk
Insurance Website Type : Car Insurance Brokers offering comparative backend quoting system

REVIEW

Q. Are Endsleigh car insurance offering any special discounts or offers?
A. There were no offers displayed.

Q. Is there a discount if you purchase online?
A. My quote claimed that an online discount had been applied but I was not made aware there was one!

Q. Is telephone help readily available from the webpage?
A. There is a link to a contact page with many numbers and email addresses.

Q. Is there a claims section readily accessible?
A. Yes, and easy to use with options for online claims as well.

Q. Was it easy to find the quote page?
A. Yes, very and straightforward.

Q. Was there an option to recall a previous quote?
A. Yes, you could save quotes to recall later.






About Cover and Policy Restrictions.

Q. Are there any restrictions to getting a quote?
A. There were none immediately obvious in getting a quote - they came across as accepting of all types of drivers.

Q. What are the minimum and maximum ages?
A. They had a separate section for drivers over 50.

Q. Do they cover all professions?
A. Yes

Q. Are Kit Cars, Q plates and modified vehicles covered?
A. Yes but need they all need declaring.

Q. Do they cover Northern Ireland (NI)?
A. They cover the U.K but were unclear about NI.

Q. Are drivers with convictions covered?
A. Yes motoring Convictions, but they need to know how many you have had in the last three years.

Q. How many claims in the last three years are allowed?
A. They did not ask about previous claims, or give a maximum claims allowed.

Getting A Quote

Q. How many pages are there before you get a quote?
A. 1.

Q. Does the application find your address easily from the postcode?
A. Yes.

Q. What is the maximum number of NCD years allowed?
A. 9 years.

Q. Can you protect NCD?
A. Yes, for an extra premium.

Q. Does the car details come automatically from the DVLA when the registration number is entered?
A. Yes or you can enter manually.

Q. What are the maximum and minimum Voluntary Excess Amounts?
A. GBP 0 to GBP 2000

General Thoughts

Q. Was it easy to understand what the questions wanted and were there help boxes?
A. There were help boxes on all the necessary questions.

Q. Were all the questions necessary?
A. Yes and less intrusive than usual.

Q. Could you change things like voluntary excess to get a requote.
A. Yes.

Q. How long did it take to get a quote?
A. Less than 5 mins.

Q. How many quotes were returned?
A. 1.

Q. Do the quotes offered have different levels of cover?
A. You chose the cover as you made the quote.

Q. Can you go back and requote?
A. Yes, by amending your details on the same page.

Q. Did you understand the levels of cover you were getting?
A. Yes, the help boxes were very clear and informative.

Q. What additional covers options were offered?
A. The site offered many covers such as road rage, repair guarantee, legal, wind screen cover but most were an optional extra unless comprehensive.

Q. Were these covers included or do you have to pay extra?
A. They were included for comprehensive cover.

Q. Could you remove covers to make the quote cheaper?
A. You are originally quoted with no extras attached and then you add what extras you want and your quote builds up.

Q. Can you save the quote to return to this site later?
A. Yes.

Q. Are you offered the policy documents and keyfacts documents to read before you purchase?
A. Yes but you cannot find them anywhere until you get to the final stages of a quote.

Q. Was this easy or discouraged from viewing these documents before purchasing?
A. It was encouraged.

Q. What payment methods are available?
A. All methods including monthly premiums.

Q. Were you asked for more personal or car details before you could purchase? If yes what?
A. I could not proceed without the registration number.

Overall Opinions of the Website

Q. How did you find the navigation? Was it easy to move around?
A. The site was simple to navigate.

Q. Did you like or dislike this site? Why?
A. Ok - The site seemed good at first but when explored didnt feel very informative as you couldn't view policy documents until the system had decided the insurance company.
Very good competitive premiums for students and young drivers generally.

Q. Was the website quick or slow?
A. Fairly quick - especially quick to get a quote.

Q. Was the site easy to use? On a scale of 1 to 5 , 1 being hard to use and 5 being very easy - how would you rate it?

A. The site was very simple to use with a fast quotes. it could have been more informative about the products. Overall score 4/5.

All our respondents were impressed at the speed of Endsleigh Car Insurance in returning quotes. The site is flexible and offers a wide range of covers, and is particularly goood for young drivers, professionals and some specialist markets.
Being an Insurance Broker, Endsleigh Car Insurance is able to offer excellent additional services such as claims and telephone assistance.

A Car Insurance Television Review 2010.

Classic Car Insurance Basics for Dummies

Classic Car Insurance - A Beginners Guide For New Classic Owners
By Dave Healey

If you've just bought your first classic car you will need to consider not just where, but also how you are going to insure it.

As a classic car owner it matters not if you drive a perfect condition Ford Capri 3 litre from 1970, a beat up old Morris Minor from the Sixties or a sleek E-type Jaguar in British racing green, it is essential that you find the best classic car insurance cover for your cherished motor, that covers your individual risks at prices that won't break the bank!

If you have not owned a classic car before it is important to realise that there are basic differences between what is known as a standard car insurance policy and the cover offered under one defined as classic, from a specialist car insurer.

The first thing to establish is whether your car is eligible for cover under a classic policy. One way you could do this is ask the previous owner whether it was covered under a classic car insurance policy and with which insurance company.

Different car insurance companies have different definitions of the age and type of vehicles that can be covered under this type of cover.

What might be easily covered with one provider may be excluded by another. Fortunately most online classic car cover providers provide this information on the first page of their websites, so it is fairly easy to surf around and check your eligibility with different insurance companies.

You should check that both the eligibility of the age of the car in question and also whether there are policy restrictions for your individual driving circumstances, such as your age that would prevent you from applying for cover.

The major variation between a standard policy and those offered by the classic car specialists is in the way that you use your classic vehicle, and in particular, how much you drive it. The large mainstream insurers and price comparison sites will offer cover for older cars but will charge an additional premium because of its age. They will also load the premium if replacement parts for the vehicle type are known to be expensive.

More importantly you will only be offered the current market value replacement if the car is covered under a mainstream policy and is deemed to be a write-off when you claim.

With a standard car insurance policy on a replacement like for like basis, the value of the car is often set by the market value at the time of a claim, typically taken from one of the car price magazines such as the UK's Glasses Guide. The amount you will be probably receive for a write-off will be at the current market value of your car which is an annual depreciating amount. Inevitably, if you own a classic car and insure it under a standard policy contract, this leads to under valuation and under insurance of the true value of the car. You will also probably not be offered the salvage and a repairable classic car may often be deemed a write-off because the cost of repair is uneconomic to the Insurer.

If you purchase a specialist classic car policy you will be offered a choice of either an agreed valuation of the classic cars worth or a policy based on market value.

An agreed valuation amount is the amount that the insurance company will pay out in the event of a claim that results in a write off. This is a major benefit of insuring classics under specialist policies because it ensures that you are not just properly covered but will also receive the specialist repair services that your classic will require should you claim. It should be noted that even agreed valuation polices can change and you should ensure that the value is guaranteed for a certain period of time to avoid fluctuations in market values.

Classic Car insurance polices are therefore tailored to the needs of cars considered to be collectable and effectively the valuation is a rating factor for the condition of the car.

The other major difference between standard and classic policies is in the way that you are allowed to use your car under the terms of the agreement. Originally this type of vehicle insurance was designed for drivers who do not use their classic cars much.

All classic car policies have a limited mileage clause which only covers the vehicle for an agreed amount of miles per year. Depending upon which specialist car insurance company you use, there will be a limit to how far you can drive your classic. Some providers will only cover a couple of thousand miles per year under the policy, but many specialist providers are now offering cover up to ten thousand miles per year. These policies reflect the fact that many drivers now use modern day classic cars as their main form of transport.



As with all car insurance it is important to compare both covers and prices when shopping around. There are many specialist classic insurance providers available online today and many specialist schemes that are targeted at particular classic owners.
Compare Classic Car Insurance premiums offered by these with those from the price comparison sites, but if you want to avoid disappointment if you need to make a claim, be sure to understand the difference in policy covers.

The Internet has made it very easy to compare specialist Classic Car Insurance that was previously only available from specialist car insurance brokers on the high street. You can find those offering special deals and bespoke schemes for your particular classic by searching for your model type classic car insurance.

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