Carole Nash Insurance Review: Are They Any Good?

Carole Nash Insurance Review: Are They Any Good?

A very popular motorcycle insurance provider with excellent customer reviews, expert knowledge and a long history.

Good for

  • Motorcycle specialist broker
  • Classic, off road, touring, etc.
  • £100,000 free Legal cover cover
  • Competitive prices
  • Breakdown cover

Bad for

  • No app
  • No short-term cover

Editor's Rating

4.5/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Carole Nash is a UK-based insurance broker which specialises in motorcycles and cars (including classic cars). But are they any good? Read our review to learn more.

Carole Nash: Solid Reviews and Specialist Policies

Carole Nash is a specialist insurance provider that we've ranked as one of the best UK bike insurance brands. In addition to insuring some of the most popular bikes on the road today, Carole Nash understands bikes and can insure motorbikes with modifications, custom bikes or classic bikes.

Plus, they speciliase in insuring classic cars—and recently have been making a push to increase their presence in the regular car insurance market.

Carole Nash work with a panel of top insurers, including Ageas, ERS, Highway Insurance Company, Aviva, Axa, Markerstudy, Zenith and Allianz. Their comprehensive motorbike policies include breakdown cover, legal expenses and DNA+ theft protection marking as standard. As for car insurance policies, they offer three tiers of cover (Essentials, Classic and Premier) with various types of features across these different levels.

Carole Nash prides itself on offering more benefits than its competitors—as a result Carole Nash might not be the cheapest policy you find but you may prefer to be insured with company offering an excellent set of features and a good reputation for a bit extra money. For example, Carole Nash motorcycle insurance policies include EU driving, breakdown (in both the UK and EU), driving other bikes and legal protection as standard.

Carole Nash no longer offers free DNA+ forensic protection for free with policies, but they've made some great improvements that benefit their customers in recent years. For starters, their cancellation fees have dropped a lot and are now in line with the market (or even lower). Also, the cost of their add-ons like helmet & leathers has dropped significantly as well, making Carole Nash even more affordable.

Carole Nash Customer Reviews, Complaints and Ratings

Carole Nash receives a solid 4.4 out of 5 stars (a "Great" rating) from over 19,000 customers on Trustpilot, with 70% rating their experience as "Excellent". There are relatively few complaints, but it's useful to know what they are. For instance, there used to be more complaints related to their admin charges but they've since brought their cancellation fees down. (Also, it's worth noting that change and cancellation fees are not unique to Carole Nash—it is industry standard to charge a fee).

Here are some real customer reviews so you can see for yourself what people like or find problematic:

"Excellent communication and very knowledgeable, the price is good"

"I always get a great deal from Carol Nash. Excellent service"

"Actually spoke to someone who knows what he was talking about!"

"Want to charge £47 to cancel, I had already paid another £20 to change address."

"After cancelling they assured me they would send me proof of my no claims discount, after numerous requests I still haven’t received it."

Carole Nash Car Insurance

With Carole Nash, you can choose between three different tiers of car insurance: Essentials, Classic and Premier. Note, 'Classic' is not only for classic cars!

Essentials is the lowest tier—this does not include cover for breakdown or legal expenses, but will cover the basic elements of fundamental car insurance. Classic is a tier higher, and this includes £100,000 of legal cover. The top tier is Premier, with which you get breakdown cover (4 levels of this are available).

Carole Nash Car Insurance FeaturesEssentialsClassicPremier
Breakdown cover (four levels of cover available)
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Legal cover up to £100,000 included
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Courtesy car - while yours is being repaired
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Key cover
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Audio and Sat Nav cover
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Windscreen cover 
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Manage your policy online
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24 hour claims service 
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Carole Nash Motorcycle Insurance Features

  • Are you covered for driving in Europe with Carole Nash? Yes! You're covered in the EU with the same cover at home for up to 90 days, depending on your policy.
  • Are you covered for driving other bikes with Carole Nash? Yes, providing the bike you're using is covered by its own comprehensive policy (some terms and conditions apply).
  • Is breakdown included or extra with Carole Nash? Accident and breakdown recovery are included for the UK and the EU (call 0044 1737 826 112) as standard.
  • Is legal protection included? Yes! Policies include up to £100,000 to cover a policy excess, loss of earnings, hire of another vehicle and compensation for any injury you suffer as a result of an accident which is not your fault.
  • Am I covered for uninsured drivers? Comprehensive policies include cover for uninsured drivers (that is, they will refund the amount of excess you have had to pay and restore your no claim discount).
  • Do I get a new vehicle replacement if mine is stolen or damaged beyond repair? Included on comprehensive cover if bike is less than six months old and the cost involved in the repair will be
  • more than 70% of the manufacturer’s UK list price (including vehicle tax and VAT), subject to underwriting conditions.
  • Are accessories covered? Yes!

Carole Nash Bike Insurance Extra Coverages

While Carole Nash includes more benefits than some of the competition as standard (e.g., breakdown and legal), not everything is covered in a Carole Nash policy. For example, if you want extras like helmet & leathers, key cover and personal accident you'll need to buy those as extra.

When we last Carole Nash's helmet & leather cover costs just £29.99 per year (down from £40.99) and covers your helmet, leathers and boots if they’re damaged beyond economical repair as a result of a motorcycle accident. Their personal accident cover is cheaper now as well. Details of other Carole Nash optional extras are in the table below.

Carole Nash Extra CoveragesDescriptionEstimated Premium
Excess ProtectionReimbursement up to £500 if you're required to pay an excess following the successful settlement of any physical damage claim for your vehicle£36.99
Helmet & LeathersUp to £1,000 in cover for your helmet (including helmet camera), leathers and boots if they’re damaged beyond economical repair following a motorcycle accident£29.99
Key CoverUp to £1,500 for locksmiths charges, new locks and keys (including home, work, bike, car keys attached together that are lost or stolen), car hire or onward travel costsCost n/a (used to be £20.99)
Personal AccidentUp to £21,000 worth of cover for accidental bodily injury following a motorcycle accident£22.99
Protection PlusHelmet & Leathers plus Personal Accident£47.98

Getting a quote

While you can call in to speak with an agent 0333 005 3355, they recommend getting a quote online for the cheapest price.

Carole Nash Bike Insurance Discounts

The discounts that Carole Nash offers are pretty standard across the motorcycle insurance industry, with most related to safe driving history and bike security. For instance, storing your bike in a secured garage instead of on a public road can save you up to 20% or more on comprehensive cover, depending on your particular details. Below are details on a few Carole Nash motorcycle insurance discounts.

Carole Nash Bike Insurance DiscountsHow Do You Earn It?
Where You ParkKeeping your bike garaged while it's not being ridden will often reduce the premium
Driving RecordIf you're a good driver, don't speed and don't have any motoring convictions, you should get a lower price
No ClaimsIf you don't have any claims, your motorcycle quote should be lower
Bike SecurityIf you use Thatcham or insurance-approved security devices on your bike, get a discount of up to 10% on your insurance premium
6 wheel discountDiscounts for insuring your car and bike together at Carole Nash
Multi-bike policySavings when insuring more than one motorbike

Carole Nash Motorcycle Insurance Prices

According to thebikeinsurer.co.uk, Carole Nash offers good value for money with a 4.4 out of 5 star rating for value. When in doubt, compare prices because motorcycle insurance tends to be one of the largest recurring costs associated with motorcycle ownership.

We've been unable to run our usual price comp analysis for Carole Nash, but you may find it helpful to refer to our in-depth study on the cost of motorcycle insurance, to get an idea of what minimum price you should expect to pay for a motorcycle insurance policy. Compare your Carole Nash quote to other UK motorbike insurance providers using the quote form below.

Cheap Motorcycle Insurance Quotes in Your Area

Bike comparison panel powered by QuoteZone and includes over 25 UK insurance providers.

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Be sure to take note of the excess (the amount you pay towards a claim) as some cheaper policies from other companies have a significantly higher excess which could end up costing you more in the end should you need to claim.

Admin and Cancellation Fees and Charges

It's quite common in the industry to charge a fee when policyholders make a change to their policy or have a payment issue. So you're not surprised by the fees if you need to make a change, here they are:

Carole Nash Charges and Fees
Arranging your new policy£35.00
Reduced to £25 if you cancel your policy before it starts or within 14 days of receipt of your documents
Arranging your policy renewal£35.00
Reduced to £25 if you cancel your policy before it starts or within 14 days of receipt of your documents
Amendments to your policy£30
Amendments to correct your information£14.95
Refund issued to you by credit/debit card£0
Refunds issued to you by cheque£20
Sending Correspondence Special Delivery£6.50
Dishonoured Cheque£19.50
Cancellation prior to policy start date£25
Cancellation after 14 days£40
Cancellation within 14 days due to failure of identification process or failure to disclose claims£40

For more information on what's covered and not covered, you may want to read through the policy wording directly.

FAQs

Devitt insurance is open Monday to Friday from 9am - 6pm and Saturday from 9am - 5pm. They're closed on Sundays.
Carole Nash has good customer reviews and decent prices; they aren't likely to be the cheapest, but their plans offer good value for money.
Carole Nash is an insurance broker that works with a list of big UK motorcycle insurance underwriters including Ageas, ERS, Highway Insurance Company, Aviva, Axa, Markerstudy, Zenith and Allianz.
Yes, Carole Nash sells Six Wheel policies to cover a car and motorbike. You'll need to call 0333 005 3218.
Yes, Carole Nash is a broker. They work with a range of large underwriters including Ageas, ERS, Highway Insurance Company, Aviva, Axa, Markerstudy, Zenith and Allianz.

Cheap Motorcycle Insurance Quotes in Your Area

Bike comparison panel powered by QuoteZone and includes over 25 UK insurance providers.

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Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

Comments

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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