A Choice Insurance
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Zero Stars
Zero Stars I have had an extremely disappointing experience with A Choice Insurance, and I feel it is important to share my concerns. I initially chose A Choice because their premium was significantly cheaper for insuring my Mercedes-Benz C-Class. For context, the vehicle had been parked on private property for two years. During that period, I ensured it remained road-legal by keeping its MOT and road tax up to date, and I arranged temporary cover when necessary. My everyday car at the time was a Volkswagen Golf, which I recently sold before insuring the Mercedes-Benz with A Choice. The issues began when I declared my four years of No Claims Bonus (NCB). A Choice requested evidence of this within 30 days of the policy start date. I provided my NCB certificate from VW Insurance, which covered my Volkswagen Golf. However, A Choice refused to accept it, insisting instead on proof of NCB for the Mercedes-Benz, despite my explanation that the vehicle had been off the road and the NCB was earned on the Golf I had sold. This led to repeated and, in my view, unreasonable questioning. I explained clearly that the Mercedes-Benz had been parked on private property, not on public roads, and therefore did not require continuous insurance. Despite this, the policy was cancelled. At that point, I had already paid for the first month and had just made my second payment. I expected either a refund or a clear breakdown of charges. Instead, I was informed that I owed £75 in cancellation fees, but despite several requests, no proper breakdown of these charges was ever provided. After two months of silence, I then received correspondence from a debt recovery agency, threatening legal action if I did not pay. To avoid unnecessary stress and the risk of a CCJ over a relatively small sum, I reluctantly paid—by this point, the amount had increased to £130. This experience has left me with the impression that A Choice prioritises finding loopholes to avoid honouring fair claims or refunds. I strongly advise others to consider paying a slightly higher premium with a more reputable insurer, as the stress and hidden costs of a “cheaper” option may end up costing far more in the long run. The lesson here is simple: cheaper is not always better.