Quote Detective Review: Are They Any Good?

Quote Detective Review: Are They Any Good?

A broker specialising in high-risk car insurance for convictions, cancelled insurance, young drivers, modified cars and high performance cars.

Good for

  • Multicar discounts available
  • Specialist for high-risk drivers
  • Modified and high performance cars

Bad for

  • Claims line only open during business hours
  • Web site has limited information
  • Potentially high cancellation fees

Editor's Rating

3.0/5.0

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.

Quote Detective is a broker that specialises in non-standard cover. But do they offer value for money and how do their customer reviews compare? Read our review to find out. If you're ready to compare Quote Detective prices against other brands in the car insurance market, click the blue "Get Quotes" button below to see how much you can save.

Cheap Car Insurance in Your Area

Quickly compare over 100 UK insurance providers, including Quote Detective.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare over 100 UK insurance providers, including Quote Detective.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fcar%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fhome%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fbike%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dpet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dtravel","value":"travel"}],"title":"Cheap Car Insurance in Your Area"}

In This Review

Quote Detective Car Insurance Overall Review

Quote Detective car insurance is broker that specialises in higher-risk situations like young drivers, those with cancelled insurance or convictions and modified and high performance cars. Those looking for cheap car insurance for these types of situations might benefit from getting a quote from Quote Detective to see how they compare. Here are some of the different types of cover they offer:

  • High performance car insurance
  • Convicted driver car insurance
  • Multi-car insurance
  • Modified car insurance
  • Young driver car insurance

Features

Quote Detective features may vary depending upon the underwriter and what optional extras you add on to your policy. Unfortunately there's no sample policy wording document on their website so we cannot review the features that are included as standard.

What "must have" features should you look for in a policy? We like plans that include a courtesy car for a minimum of 14 days while your car is in an approved repair shop for damage related to a claim, windscreen cover, personal belongings, keys (loss and theft), car recovery after an accident, and a repair guarantee—at a minimum.

Quote Detective Car Insurance Customer Service Reviews, Complaints and Ratings

Quote Detective Ratings & Customer Reviews
Review Centre4.5/5

Quote Detective was rated with 4.5 out of 5 stars by 174 customers on Review Centre—these reviews mostly relate to a good buying and renewal process. Unfortunately, we didn't see comments related to the claims process, which is always handy to read.

We scoured the online reviews to curate a selection of customer comments—both positive and negative—to give you an idea of the typical customer experience. Here's what we found:

Positive customer reviews of Quote Detective

Most positive reviews are related to the buying process, from the ease of getting a quote to good prices to helpful staff—getting customers with "non-standard" situations like cancelled insurance get back on the road.

"... a young driver with cancelled insurance. He has helped me find the best deal for myself to make it affordable for myself! ... Have taken out the policy, and now onwards and upwards for myself to try and get my premium down and build my no claims."

"... always found the staff to be professional compassionate and give a high standard of customer care and excellent value for money..."

"Great service got it sorted practically straight away on a high performance car."

"The person I dealt with was very helpful and returned my call as promised..."

Negative customer reviews of Quote Detective

On the negative side, we saw numerous reports of people being turned down for credit (this is supplied by Premium Credit) after the policy was purchased—only to then find out the owe money for the cancellation.

"They have just cancelled my car insurance despite sending them everything they requested of me and because its the weekend I can't even contact them to discuss it because they don't work at the weekend."

"I have done my quote over the phone and they guy took 2 hours nearly after done all check and took 600 pounds initial amount from me and then after two days I got surprise call n email that I can't be offered for credit and then I decided to cancel and they charged me 114 pounds for 2 days its totally unfair."

"Was told if I wasn’t accepted for credit would have a full refund this is not this case"

Quote Detective Car Insurance Quote Comparison

A great way to see if Quote Detective can find you cheap car insurance is by comparing them against the market. Quote Detective is included in our car insurance partner's panel, so getting a quote with QuoteZone can save you time, as well as money, and let you see how prices compare against the average cost of car insurance.

Cheap Car Insurance in Your Area

Quickly compare over 100 UK insurance providers, including Quote Detective.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare over 100 UK insurance providers, including Quote Detective.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fcar%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fhome%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=http%3A%2F%2Fnimblefins.quotezone.co.uk%2Fbike%2Findex.php%3Fid%3D76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dpet","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/www.nimblefins.co.uk\/redirect?link=https%3A%2F%2Fwww.comparecover.com%2Fxml%2Faffiliate.cfm%3Faffiliate%3Dnimblefins%26affiliatenumber%3D223%26type%3Dtravel","value":"travel"}],"title":"Cheap Car Insurance in Your Area"}

Quote Detective Car Insurance Discounts

To save a few quid on your car insurance, here are some ideas might reduce the cost of cover with Quote Detective:

DiscountWho qualifies?
No Claims DiscountEach year you don't make a claim should increase your No CLaim Discount
Pay upfrontPay your full premium at the start of the policy to save money (variable APR)
Buy your policy earlyBuying your policy a few weeks in advance of the start date can save you money

Admin and Cancellation Fees

There's no mention in Quote Detective's terms of business about cancellation fees if you cancel during the 14-day cooling off period; however, cancelling after this time there's a fee of £40 plus a commission on any premium that was refunded to you by the underwriter (this is 10% for private vehicles and more for business, as you can see in the table below).

Quote Detective Administration Fees
Policy Arrangement Fees
  • Up to £100 for insurer premiums less than £1,000
  • Up to 10% of insurer premiums over £1,000
Making a change to a policy£35
Duplicate documentation£25
Cancelling Before Cover Starts£50 plus any insurer administration fee
Cancelling Within The Cooling Off Period£100 plus any insurer administration fee
Cancelling After The Cooling Off Period£50 plus any insurer administration fee

In addition to cancellation "fees" as listed in the table above, there are other costs of cancelling your insurance with Quote Detective. For example, cancelling during the cooling off period after cover has started you'll also pay a pro-rata charge for the time your policy was on cover, including any optional add on products (and if you've used these you won't get a refund on them).

Cancelling after the cooling off period means an even higher cost to cancel, because you'll pay:

  • A charge for the time your policy was on cover plus any insurers administration fee (not pro-rata but using the scale below)
  • The full cost of any optional additional products (whether used or not)
  • The policy arrangement fee
  • A cancellation charge of £50.00 (as listed above)
  • A charge equal to the amount lost to us in commission reclaimed by the insurer

Calculating the premium charged for time on cover

Cancel during the cooling off period and you'll pay a "pro-rata" amount of your premium to make up for the time on cover. But cancel after the cooling off period and the calculation changes from "pro rata" to a scale—this means you'll end up paying a larger amount for the time on cover than you'd expect. It also means that you won't get any refund if you cancel in the last four months of your policy if you've paid upfront, or that you'll still need to keep paying monthly until your policy ends if you pay in installments—even if you're not using the cover anymore.

Period on cover up to (months)Insurer Premium Refundable
170%
260%
350%
440%
530%
620%
710%
8Nil

Important Quote Detective Car Insurance Phone Numbers

Quote Detective customer service is open Monday – Friday: 9:00am – 7:00pm, Saturday: 9:00am – 2:00pm and Sunday and Bank Holidays: Closed.

Quote Detective Car Insurance Contact Numbers
Customer Services0333 222 4005
Claims0208 487 0642

FAQs

While it depends on the insurer, in most cases Quote Detective will accrue NCD up to a maximum of 5 years. This is lower than we've seen elsewhere.
No, there's no online portal for uploading documents for a Quote Detective policy. Instead, they recommend you take a photo using your smart phone or digital camera and email the photo to [email protected]
Quote Detective is underwritten by a panel of insurers including Equity and Markerstudy.
Quote Detective tends to offer pretty low car insurance prices and is includes underwriters such as Aviva and LV in their panel, some of the biggest UK car insurance companies, but check the customer reviews.
To get a Quote Detective quote you can either go directly to their website, call or use a comparison site like our partner QuoteZone
Policyholders will be charged a £40 cancellation fee to Quote Detective, plus there are other cancellation costs to consider.

Other Car Insurance Reviews

If you'd like to compare DNA to other car insurance brokers, see a sample of other car insurance reviews below:

Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in the case writing team at Stanford University's Graduate School of Business.

Comments