Civil Car Coverage Insurance: Reviews, Ratings and Key Policies

Civil car coverage insurance provides auto policies tailored to civil servants, retired civil employees and their families. This not-for-profit organization has been around for over 130 years and offers competitive rates along with quality service. But how do real customers rate their experience with Civil car coverage? Here is an overview of online Civil auto insurance reviews, key coverages offered, and factors to consider when choosing this insurer.

Overview of Civil Car Coverage Insurance

Civil car coverage insurance is provided by the Civil Service Insurance Society (CSIS), which was founded in 1890. They offer the following policies:

• Auto insurance – Coverage options for civil servants, retired civil employees and their families. Policies include liability, collision, comprehensive and more.

• Home insurance – Homeowners and renters policies available with options like liability, dwelling, personal property, loss of use and more.

• Travel insurance – Annual and single trip travel medical and emergency coverage options.

As a not-for-profit, any profits made by CSIS are donated to civil service charities. They focus on providing great value insurance products with quality service.

Online Reviews and Ratings for Civil Car Coverage

Here are excerpts from recent customer reviews of Civil car coverage insurance posted on Trustpilot:

• ⭐⭐⭐⭐⭐ – “Easy to use site for travel insurance. Seems to be a competitive price for Worldwide travel insurance. Cheaper than comparison sites and looks to offer the same benefits.”

• ⭐⭐⭐⭐⭐ – “Straightforward on line process to take out insurance policy and prompt response when I rang to ask a question. I cannot comment on heir claims service as I have not needed to make a claim.”

• ⭐⭐⭐⭐ – “Taking out the insurance was easy and the price was competitive. I can’t comment on the claims procedure as have only just taken out the policy.”

• ⭐⭐ – “Unexpected renewal sought after just 4 months. Yes i should have read small print saying all policies start 1 March but I think that is unfair and is not truly ‘annual’ if you get less time cover.”

On Trustpilot, Civil car coverage insurance currently has an average rating of 4.6 out of 5 stars based on 566 reviews. The majority of reviews are positive, with customers praising the easy application process, competitive pricing, and good customer service.

Key Auto Insurance Coverages from Civil

Civil car coverage insurance provides all the standard auto policy options drivers expect, including:

• Liability Coverage: Bodily injury and property damage liability pays for injuries or damage you cause to others in an accident when you’re at fault. Required by law.

• Collision: Pays to repair or replace your vehicle after an accident with another car or object, regardless of fault.

• Comprehensive: Covers damage to your vehicle from non-collision incidents like fire, flooding, vandalism, wind, glass breakage and more.

• Uninsured/Underinsured Motorist: Protects you if you’re hit by a driver with no or insufficient insurance.

• Medical Payments: Covers medical bills for you and passengers injured in your vehicle.

• Rental Reimbursement: Pays for a rental car while your vehicle is repaired after a covered loss.

• Roadside Assistance: Provides towing and assistance for lockouts, flat tires, dead battery, etc.

You can customize your civil auto policy with add-ons like rental car damage coverage, rideshare coverage and accident forgiveness.

What to Consider When Choosing Civil Car Insurance

Here are some key factors to weigh when considering Civil car coverage insurance for your policy:

• Rates and Discounts: Get quotes to compare Civil’s premium pricing to other insurers. Ask about discounts for civil employees, good driving record, bundling home/auto, and paying annually.

• Level of Coverage: Review policy limits, deductibles and exclusions to ensure your desired coverages and coverage amounts.

• Ease of Doing Business: Look at reviews for application process, billing, and how responsive the insurer is for inquiries and claims.

• Financial Strength: Choose an established insurer that is financially stable. Civil car coverage insurance has strong financial ratings.

• Local Agent Support: Consider availability of local agents to provide guidance when needed versus direct insurers with limited personalized service.

The Benefits of Choosing Civil Car Coverage

Here are some of the touted benefits of insuring your vehicle through Civil car coverage insurance:

• Specialized for Civil Servants – Caters to civil service employees, retirees and their families with tailored coverages.

• Competitive Rates – As a not-for-profit, focuses on value pricing versus profit margins.

• Policy Discounts – Offers exclusive discounts for civil service workers that can lower premiums.

• Strong Customer Service – Many positive reviews praise the quality service and claims handling.

• Simple Claims Process – Streamlined claims process helps resolve cases promptly.

• Giving Back – As a mutual insurer, excess profits are donated to civil service charities.

• Experience – Has provided insurance specifically for civil servants for over 130 years.

For civil employees or retirees wanting quality coverage at reasonable rates, Civil car insurance is worth considering. Be sure to shop around and compare quotes to find the best value. Check online reviews and talk to an agent to get answers to any questions.

How to Get a Free Quote

If you work in the civil service and want to get a free quote for car insurance from Civil, here are a few options:

• Go to CivilServiceInsurance.co.uk and use the quote tool. You’ll need details about your vehicle(s) and driving history.

• Call 01622 766990 to speak with a Civil service insurance agent who can provide customized quote options.

• Email the Civil sales team at [email protected] with your contact details and request for an auto insurance quote.

• Check with your civil service employee association or union to see if they have arranged special pricing through Civil.

Be sure to compare quotes from Civil and other top insurers to find the best rate. Consider all costs, coverages and policy benefits when choosing an insurance provider.