| Metric | Admiral Littlebox | Hastings Direct YouDrive |
|---|---|---|
| Coverage | Comprehensive (Listed below the table) | Comprehensive (Listed below the table) |
| Cost | Competitive for young drivers | Competitive |
| Rewards for Good Driving | Possible lower premiums at renewal | Discounts based on driving behavior |
| Feedback and Reporting | Detailed driving dashboard | App with driving feedback (YouDrive) |
| Customer Service | Generally positive reviews | Mixed reviews (mostly negative) |
| Installation of Device | Professional, costs may be covered | Professional, cost varies |
Comparing Coverage for LittleBox vs YouDrive:
Admiral Littlebox Comprehensive Insurance:
- Damage to Your Car: Covers the cost of repairs or replacement if your car is damaged or destroyed in an accident, even if it’s your fault.
- Fire and Theft: Provides cover if your car is stolen or damaged by fire.
- Windscreen Repair: Covers the cost of windscreen repairs and replacements.
- Personal Belongings: Provides cover for personal belongings in your car that are damaged or stolen.
- Liability: Covers damage you cause to other people’s property or compensation for injuries.
- Uninsured Driver Promise: Your no-claims bonus won’t be affected, and you’ll get a refund on any excess if you’re hit by an uninsured driver.
Hastings Direct YouDrive Comprehensive Insurance:
- Damage to Your Car: Covers the cost of repairs or replacement if your car is damaged or destroyed in an accident, even if you are at fault.
- Fire and Theft: Provides cover if your car is stolen or damaged by fire.
- Windscreen Cover: Repairs or replacement of windscreen is covered.
- Personal Belongings: Cover for personal belongings in your car that are damaged or stolen.
- Liability: Covers damage you cause to other people’s property or compensation for injuries.
- Uninsured drivers: Your no-claims discount is protected and you won’t have to pay your excess if an uninsured driver hits you.
Comparing the Costs:
Insurance premiums vary greatly depending on a wide range of factors including:
- The age and experience of the driver
- The type, age, and value of the vehicle
- The driver’s claims history
- The driver’s location
- The level of coverage chosen
- The driver’s credit score (in some areas)
- Other risk factors such as whether the car is kept in a garage overnight
As a result, the cost of insurance policies can range widely. For example, a young, inexperienced driver with a sports car will likely pay more for their insurance than an older driver with a modest, safe vehicle and a clean driving history.
Both Admiral Littlebox and Hastings Direct YouDrive aim to offer competitive prices, especially for young and inexperienced drivers who might struggle to find affordable insurance elsewhere. With telematics policies, good driving behavior can lead to lower premiums at renewal, which can offer further savings.
| Admiral Littlebox | Hastings Direct YouDrive | |
|---|---|---|
| Installation Costs | Included in the insurance premium | Free |
| Maintenance Costs | No cost for the policyholder, maintained by Admiral | No cost for the policyholder, maintained by Hastings Direct |
| Replacement Costs (if faulty) | Typically no cost for the policyholder, replaced by Admiral | Typically no cost for the policyholder, replaced by Hastings Direct |
| Replacement Costs (if damaged due to negligence or tampering) | £35 | £20 |
Comparing Reporting Systems and Mobile Applications:
Admiral Littlebox:
Admiral Littlebox uses a “Driving Dashboard,” an online tool where policyholders can view their driving data and receive feedback on their driving habits. The Dashboard grades drivers on different aspects of their driving, such as speed, cornering, and braking, and offers tips for improvement.
Admiral also has a mobile app, but the app’s functionality is mainly focused on policy management rather than telematics data feedback.
Hastings Direct YouDrive:
Hastings Direct YouDrive utilizes a smartphone app to provide driving feedback. Drivers can check their scores, view their journeys, and get insights into their driving habits directly from their phones. The app scores driving on various parameters, including speed, acceleration, braking, and time of day. It offers an intuitive user interface, making it user-friendly for most drivers.
In terms of ease of use, feedback tends to be subjective and based on personal experience. However, both systems aim to present driving data in a clear and understandable way, with scores and feedback on different driving aspects.
| Admiral Littlebox | Hastings Direct YouDrive | |
|---|---|---|
| Reporting System | Driving Dashboard online tool | Mobile app |
| Ease of Use | Varies by the user, aimed to be user-friendly | Generally user-friendly |
Comparing Cancellations and Refunds:
Admiral Littlebox:
Admiral has a 14-day cooling-off period, during which customers can cancel their policy without facing any significant charges, although a small administrative fee might apply. If customers choose to cancel after the 14-day period, they might face a cancellation fee in addition to the time they were covered.
- Within 14 days of purchase: £25
- After 14 days of purchase: £155
Hastings Direct YouDrive:
Similar to Admiral, Hastings Direct also offers a 14-day cooling-off period. If a policyholder cancels within this period, they will receive a refund for the portion of the premium not yet used, though some administration charges may apply. If the policy is canceled after the 14-day cooling-off period, a cancellation fee may apply.
- Within 14 days of purchase: No fee
- After 14 days of purchase: £45