City insurance Car Insurance Review
verified information
Information verified by Adeline Harmant
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyThis is the ultimate review to guide you through City insurance car insurance.
You might already know that City insurance offers several car insurance policy options.
Some are great, others not so much.
So if you want to get:
- Better value for money for your car insurance
- Indicative quotes
- Tips to lower your insurance premium, then you might love the following article.
Let’s dive right in.
Is City insurance the best car insurance provider?
Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.
We’ve studied in detail City insurance car policy terms and conditions and given our own ratings based on different criteria.
3 Safe overall rating for City insurance
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
24/7 Claims helpline | |
| Cover provided |
Cover is provided for learning drivers | |
| Value for money |
Monthly instalments are allowed for 29.90% APR | |
| Financial strength for pay out | City insurance was established in 1989 and offers a wide range of services and products from over 30 leading insurers, so their ability to pay out claims is high. | |
| Technology |
Information regarding the services offered by City Insurance is not hard to come by on the website |
Expert and customer reviews on City insurance
We compiled expert and customer reviews from independent institutions, to give you an overall idea of City insurance's reputation.
| Review organisation | Consumer satisfaction rates for City insurance |
|---|---|
| TrustPilot | 3,7/5 based on 30 opinions |
To check if City insurance is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.
Our review on City insurance car insurance policy
City Insurance Group was founded in 1989 and they offer two levels of cover which are the Comprehensive and Third Party Fire and Theft. The insurance company offers car insurance, van insurance, insurance for young drivers, insurance for lady drivers, high performance vehicles, and also short term cover. There are many policy benefits attached to the services provided, however, a detailed account of the covers would have to be gotten from the policy document after the insurance policy has been bought.
City insurance has an average rating of 3.7/5 on TrustPilot and the services provided are also cheap and affordable. As it offers a wide range of services, the insurance company is recommended especially for drivers looking for affordable insurance.
What does City insurance car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at City insurance?
| Car insurance policy | Available at City insurance | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at City insurance explained in details
Let's find out what does City insurance covers in its car insurance policy.
Breakdown cover at City insurance
City insurance offers breakdown cover and it includes the following:
- UK this cover option costs £44.95 and provides at least one hour of road assistance, onward travel, accommodation, unlimited callouts
- UK & Home the cover option costs £54.95 and it provides all the covers listed above and in addition, home cover
- UK & Home & EU this costs £84.95 and it provides all the services rendered in both the UK and Home cover. In addition to this is the European cover it offers.
Keycare cover at City insurance
This cover option is provided by City Insurance insurers. In this case Ageas is selected. The protection comes with £1,500 of cover, including VAT and other services such as:
- one replacement and duplicate key for each key covered under a valid claim
- 24/7 assistance
- £75 a day for alternative means of transportation in the case that you are stranded as a result of a stolen or damaged key.
Windscreen cover at City insurance
The windscreen cover provided by City Insurance is covered by Ageas and it provides unlimited windscreen cover which covers any amount incurred in the repair or replacement of a windscreen or sunroof in the case that an Ageas approved repairer is used. Also, the cost of repair to any damage done by the broken glass is covered. If an approved repairer is not used, a sum of £100 would be provided to cover the costs of repairs.
Motor legal protection at City insurance
City Insurance provides Legal Cover and this affords the customer about £100,000 with which to pursue compensation claims for. The optional extra cost about £24.95 and it provides the following:
- Personal Injury compensation
- Vehicle Repair Costs
- Vehicle Hire costs
- Damage To Personal Effects.
Personal policy injury available at City insurance
One of the insurers for City Insurance is AXA and for the Personal Accident cover, AXA provides a sum of £100,000 for the driver if he sustains an injury as a result of the accident – even if the accident was his/her fault.
Coverage abroad at City insurance
Abroad coverage is available under the cover policies provided and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Republic of Ireland, Northern Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
Courtesy car at City insurance
With Ageas as the insurer, the following are offered:
- a hire car with a similar engine size of up to 2,000cc, for 14 days
- a hire car if the accident was the fault of the driver.
Any claim reported 14 days after the accident is not attended to.
No-Claim Bonus (NCB) at City insurance
The No Claims Bonus provided by City Insurance offers for every year of No Claims are as followed:
- 1 year no claims: 30% discount
- 2 years no claims: 40% discount
- 3 years no claims bonus: 50% discount
- 4 years no claims bonus: 60% discount
- 5 years/above no claims bonus: 65-75%
The no claims discount will not be affected if the only claims made are for a broken windscreen, window or sunroof glass or for replacement locks or keys.
At City insurance, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.
NCB protection claims (number per year): 2 claim in 3 years.
Good to know
A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.
City insurance car insurance terms and conditions
How much does City insurance car insurance cost?
You'll find below indicative car insurance quotes at City insurance:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £117,15 |
| 40 years old | £48,31 |
| 60 years old | £35,62 |
Costs of City insurance insurance car policies vary widely based on different factors such as:
- The driver’s age
- The date on which they received their driving licence
- The type of car
- Expected repair costs if the car is damaged
- The performance, safety and security of the car
- The driver’s address and how busy the streets in the neighbourhood are
- Who drives the car (any additional driver on the policy)
- The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
- Insurance taxes.
Good to know
The higher risk you represent, the more expensive your policy will be.
Is there any promo codes or discounts available at City insurance?
City Insurance offers discount for the accumulation of the No Claims Bonus.
If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.
Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!
City insurance car insurance policy summarized
Guarantees
| At City insurance | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | £1,500 |
| Personal belongings | £300 |
| Audio equipment | £300 |
| Medical expenses | £300 |
| Liability limit for property damage | £20 000 000 |
| Legal expense | £100,000 |
| Courtesy car benefit | As standard |
| Courtesy car cover | 14 days |
| Coverage abroad | 90 days |
Excess
| At City insurance | |
|---|---|
| Fire excess | £500 |
| Theft excess | £500 |
| Accidental damage excess | £500 |
| Windscreen replacement excess | No excess amount is required to make up for the unlimited services |
| Young driver excess | £350 |
Admin fees
| At City insurance | |
|---|---|
| Interest charged by payment installments | 29.90% |
| Renewal fees | £20 |
| Cancellation fees | Cancellation fees during cooling off period : £50+ amount charged by insurer |
| Modification fees | Adjustment fee: £35 |
Other car insurance policies available at City insurance
City insurance multi-car insurance
City insurance does not offer Multi car Insurance, however, another service known as Motor Fleet Insurance is offered and this allows the driver register different types of cars in a fleet under the same insurance policy. No futher informartion is provided on the website as regarding the details of this insurance cover.
City insurance black-box insurance
City Insurance offers cover for young drivers under the age of 21 and the black box technology is applied to monitor driving performance. This insurance cover is undertaken by Marmalade and is called the Black Box insurance. It comes with some benefits such as:
- No curfew or night restrictions
- Comprehensive cover option which allows the driver earn a No Claims Discount
- A black box that can be fitted by the driver
- Rewards for safe driving.
City insurance classic car insurance
Insurance is not provided for classic cars. However, City Insurance collaborates with other insurers to provide insurance for high performing and prestige cars. The cover options and details of the insurance policy is determinant on the insurer chosen. The insurance cover includes the following:
- Audio cover
- Windscreen cover
- New car replacement
- Protected NCB
- Abroad coverage
- Up to 70% NCB
- Immediate online cover.
City insurance short term cover
City insurance provides temporary car insurance for as low as a day with a maximum of 28 days. The consideration age for drivers is between 17 and 75, and the policy is valid for both drivers that have a conviction on their license and learning drivers. No costs or additional details are provided on the website as concerning this service.
City insurance learner driver car insurance
City insurance provides insurance for learning drivers and payments can be made monthly for this type of insurance cover. Covers are provided for drivers aged 17 and above.
City insurance van insurance
City insurance offers van insurance it include two levels of cover which are the Comprehensive and Third Party Fire & Theft cover. The following are offered in addition:
- Claims helpline
- Legal expenses cover
- Provision of courtesy van in the case of an accident
- Monthly instalment payment option.
How to contact City insurance auto insurance?
City insurance phone numbers
You will find all important phone numbers to contact City insurance car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer Service | 01962 844848 | Mon-Fri: 08:40 am – 5:30pm |
New Quotes | 0345 017 9795 | Mon-Fri: 08:40 am – 5:30pm |
New Quotes for vans | 0345 017 9792 | Mon-Fri: 08:40 am – 5:30pm |
Legal Advice Helpline | 01384 887575 | 24 hours a day, 7 days a week |
Vehicle Identity Theft Helpline | 01384 397757 | Mon-Fri: 09:00am – 5:00pm |
Claims | 0345 017 9962 | 24 hours a day, 7 days a week |
City insurance other contact details
You'll find below City insurance main contact details:
| Contact details of City insurance | |
|---|---|
| Email address | |
| Customer account with City insurance login | no |
| Social media | Facebook, Twitter |
| Chatbot | No |
You can also contact them by mail by writing to City insurance car insurance:
City Insurance Group
88-89 High St
Winchester
Hampshire
SO23 9AP
How to cancel your car insurance at City insurance?
You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.
Since car insurance is a legal requirement, City insurance as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, City insurance has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.
For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.
You would need to have various documents ready such as:
- your policy number (right hand corner of your documents);
- your bank details; and
- your payment method in case there are cancellation fees.
Watch out!
City insurance could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.
