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Kwik Fit car insurance review

Robin Bowman

Robin Bowman
Mar 8, 2017

Kwik Fit didn't always offer car insurance.

There was a time when Kwik Fit was all about tyres. 

‘You can’t get better than a Kwik Fit fitter’ was the slogan on the TV ad. 

These days the company has branched out in other, additional directions, one of which is insurance, laucnhing Kwit Fit insurance in 1995.

Along with car insurance, Kwik Fit covers other vehicles as well as home, breakdown and pets.

This review was focus on Kwik Fit's car insurance. 

But like a lot of household-name brands, it has a larger, less well-known company behind it: Ageas.

Ageas bought Kwik Fit Insurance Services in July 2010 for £215m. Since then, it has had no connection with the garage business of that name.

Kwik Fit is a trading name of Belgian insurance giant Ageas, which is ranked among the top 20 insurance companies in Europe, with key markets in Europe and Asia, and boasts a history going back 190 years.

In the UK, Ageas provides insurance services through brokers, affinity partners and their own direct brands.

They have around seven million customers through a range of partners, including Age UK, John Lewis, Virgin Money and General Motors. Kwik Fit has around 2.5 million customers.

Ageas also own 50% of Tesco Underwriting Limited.

So, it’s a big outfit.

To compare Kwik Fit policies and see if you could save money, use our free tool


Road silhouette

Kwik Fit’s claim

The pitch is pretty straightforward – it’s mostly about price.

They say their aim is “to offer you the best car insurance possible" and that you’ll get 29% off if you buy online.

All policies have a guaranteed courtesy car, a five-day hire car if yours is stolen, 24-hour accident action line, full glass cover and £150 personal belongings cover.

They also offer a free MOT for a anyone who buys direct from their website – unwise, as you should be shopping around for the best quote rather than buying direct from any insurer.


What type of Kwik Fit policy is best?

Kwik Fit offers a variety of car insurance policies.

All polices boil down to three types of cover. It’s best to be clear what these cover.


This is the legal minimum level of insurance you must have. At this level of cover, if you are involved in an accident that is your fault, any damage or injury you cause to a third party or a third party's property is covered. 

So having Third Party Only insurance protects other road users and pedestrians from incurring costs associated with any mistakes you might make as a driver. These costs may include legal costs and the cost of repairs to their vehicle. 

If you aren't covered by at least Third Party Only insurance and you accidentally drive into the back of someone else's car you might find that you are unable to cover the costs incurred by such an accident.

Plus you will have broken the law. In cases like this there are often medical bills to pay as well as the cost of repairing the damage to the other car. The law is there to make sure the person who is not at fault doesn't end up having to pay for everything. 

Third party fire and theft

This is the next step up from Third Party only. It provides cover for damage to your car by fire and will also cover you in the event that your car is stolen. 

Despite security advancements, car theft is still a problem and it can happen to any car, anywhere, so having cover for theft makes a lot of sense. 


Comprehensive cover will protect you against most eventualities you may encounter while on the road.

The major difference is that with Comprehensive cover damage sustained to your car is covered even if the accident was deemed to have been your fault. 

So whilst it's not a legal requirement to have anything other than Third Party Only, it can make sense to go for Comprehensive, especially if you would be unable to replace your own car if it was written off in an accident you caused yourself.

See how Kwik Fit matches up for price by running a free comparison on A Spokesman Said


Beyond the basics

Like most insurers, Kwik Fit offers a range of optional extras.

When you get a quote, you'll be able to take your pick from: 

Breakdown Cover

Four types of cover are available –  Kwik Assist Roadside, Kwik Assist Roadside Plus, Kwik Assist Full UK Recovery and Kwik Assist Full UK & European Recovery. 

All include 24-hour cover available 365 days a year and an average callout time of 39 minutes. 

You can also add Personal Cover to your breakdown policy, which means you're covered in any car. 

Legal Expenses Cover

If you're involved in a claim that is not your fault, this helps you to claim back any expenses not covered by your policy.

Keep Motoring – Replacement Vehicle

This is designed to keep you on the road following a claim.

You get a hire car for up to 14 or 21 days, depending on the level of cover you choose, if your car is stolen or written off.

Personal Accident Cover

This policy provides you with personal injury cover up to £30,000 (£2,500 if any family member is under 16 years of age or in full-time education) and means you're protected in the event of a serious injury.

Vehicle Excess Protection Insurance

Vehicle Excess Protection Insurance covers the reimbursement of the excess you have paid when you have been involved in a claim.

Gadget Insurance

Gadget Insurance will cover your electric equipment up to £500 for accidental damage and theft and is covered for up to 60 days abroad within any 12 month period.

There are two levels of cover - one which covers in and one which covers in and out of the insured car.

Key Cover

Key Cover provides up to £1,500 annual cover for locksmiths’ charges, new locks, car hire and onward transportation costs, if your keys are lost, stolen or broken in your lock or ignition. 


What do customers think?

Which? undertakes extensive research into customer satisfaction in its Best and Worst Car insurance table.

Out of 31 insurers reviewed, Kwik Fit came in at a fairly unimpressive 22nd place out of 31.

It scored:

* Value for money: four out of five stars;
* Customer score: 66%;
* Policy score:  65%;
* Total: 65%.

The average total score for all insurers was 68%.

However, while these surveys are worth noting, we don’t set a huge store by them. The Kwik Fit findings were based on a survey of just 33 customers, for example.

We like Kwik Fit’s complaints undertaking. 

They commit to try and resolve a complaint by the end of the third working day and send you a summary resolution letter.

If they are unable to do this, they will write to you within 5 working days to either:

- Tell you what we have done to resolve the problem; or

- Acknowledge your complaint and let you know when you can expect a full response.

They aim to resolve a complaint within 20 working days of its receipt.

If not possible, they will tell you why and indicate when we will be able to provide you with a final response.

If Kwik Fit sounds like the one for you, compare deals now


Watch out ….

We noticed this in the small print:

“For Car Insurance & Breakdown Cover: If you are paying for your insurance by instalment plan or debit/credit card, we will normally automatically renew your policy and any optional extras 5 days in advance of the renewal date, unless you have asked us not to.”

Make sure you DO ask them not to!

Auto renewing your car insurance is a terrible idea - here's why


In the news ….

It’s obvious that parent company Ageas is adapting its business model to a new marketplace in which customers have more information and are able to make independent choices about which insurance policy they want to buy by using comparison sites.

Earlier this year, they confirmed that over 500 jobs would go at Kwik Fit Insurance Services in North Lanarkshire, Scotland.

Ageas said it had suffered the consequences of a change in the way people buy insurance.

It's been reported that from the end of March the company would not be taking on new policyholders, although Ageas has vowed to provide coverage as normal for existing customers. 


Last year 65% of customers didn't switch their car insurance to try and get a better deal.