Experiments were carried out on the top price comparison sites to find the cheapest possible quotes for comprehensive, third party fire & theft and third party only policies. For comprehensive, OneQuote Direct (Prime) came out best for the 29 year old and OneQuote Direct (Elite) came out best for the 17 year old. For third party fire & theft, MasterQuote came out best for the 29 year old and ECar came out best for the 17 year old. Finally for third party only, Premium Choice came out best for the 29 year old and Insure2Drive came out best for the 17 year old. The majority of these top quotes were provided by Go Compare. All of the named insurance companies have been introduced in the above linked pages, but all of the quotes received were later put through again and there were of course new companies appearing for some policies.

Some of the companies remained, but some new ones popped up that haven’t yet been introduced and this posting will provide a basic introduction to them. These new companies included Direct Choice, Smart People Budget (better known as Budget Insurance) and Quotea. In regards to these companies, Quotea provided the cheapest insurance quote for the 29 year old for the comprehensive policy. Direct Choice provided the best rate again for the comprehensive policy, but this time for the 17 year old. This leaves Smart People Budget who provided the cheapest third party only quote for the 29 year old driver; all of the other best quotes were provided by companies that came out on top in the original experiments and so these companies have already been introduced here. And so, let’s move to the introductions for these quality insurance providers.

Direct Choice Insurance (£5787.12 for Age 17 Comp)
Direct Choice has been around for more than 35 years and is part of the Acromas Group that is of course well known for The AA. This is an insurance broker that searches a panel of 30 insurance providers that includes major names such as Aviva, AXA, RSA Group, Zurich and so on. Direct Choice insurance is not just dedicated to motor insurance, in fact they cater a great range of insurance types such as caravan insurance, landlord insurance, tradesman insurance and so on. Direct Choice are well suited to provide cheap car insurance for young drivers since they of course provided the cheapest quote for a 17 year old driver for a comprehensive policy. When checking their site just now, it stated in their FAQs that they do provide the options of comprehensive, third party fire & theft and third party only policies. Overall, this looks like an impressive name that has the backing of leading insurers.

Smart People Budget Insurance (Budget Insurance) (£2299.75 for Age 29 TPO)
This provider is branded as “Smart People Budget”, but they own the domain “Budget Insurance” and tend to be known under either guise. They are a trading name of BISL Ltd, which is part of the BGL Group that has been operating since 1992. Interestingly, the BGL Group created Compare the Market and they are also in charge of Bennetts who are a popular name for bike insurance today. Smart People Budget insurance came out on top for the third party only 29 year old quote (obviously via Compare the Market). They cover a range of insurance products for home insurance, pet insurance, travel insurance and so on. Smart People Budget is an insurance intermediary, but I couldn’t find any information on the specific names of the insurers that they use.

Quotea Insurance (£2008.92 for Age 29 Comp)
Quotea insurance arises from A & A Group Ltd who are responsible for a number of brands including ESInsure, My Motor Quote, Prestige and so on. This is another name that will send on their leads to direct insurance companies (no information on who). I was impressed to read that they turn over around £80 million in a year, which is impressive for a relatively small insurance broker. Quotea of course came out on top when providing the comprehensive policy for the 29 year old driver. They cater various insurance markets ranging from bike insurance, to home insurance and so on. One of their interesting markets was specialist insurance that caters high-risk insurance for convicted drivers, modified cars, new drivers and others. This high-risk insurance is certainly helping Quotea to raise their profile and you have to remember that they came out on top for the 29 year old comprehensive quote and this was a sample driver that had just passed his driving test (high-risk).