Haven Car Insurance
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Finding a new car insurance policy can seem inconvenient, right? It takes time, can be confusing and is downright frustrating at times.
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Just fill in your details on the online form, adjust the filter toggles and you’re done. Easy.
You’ll never look at comparing car insurance the same when you use SimplyQuote.
What Do You Need To Get A Haven Car Insurance Quote?
To get a car insurance quote with the Haven, please provide the following details:
- Personal details – name, age, UK location, driver’s licence info
- Vehicle details – registration number, when you purchased the vehicle, replacement value, modification info, annual mileage
- Policy details – what level of cover are you interested in, optional extras
- Insurance details – claims history, no-claims discount info
Who Are Haven Car Insurance?
Haven is a specialist home and motor insurer. The company is committed to providing specialist products and solutions to customers who may have difficulty finding what they need within the general insurance market.
They are an independent, privately-owned insurance company that prides themselves on ‘staying close to our market and our customers’.
Haven was established in 2002 and was one of the first UK motor insurers in Gibraltar. The company chose Gibraltar because of the strength of its financial services industry, compliance with EU regulatory standards and easy access to the UK insurance market.
Haven Insurance is authorised and regulated by the Gibraltar Financial Services Commission and operates under European legislation concerning the regulation of insurance companies and the provision of services in the EU.
Haven is also a member and supporter of the UK’s Financial Ombudsman Service (FOS). Additionally, the insurance company is a member and supporter of the UK’s Motor Insurance Bureau (MIB), the Association of British Insurers (ABI), and the Financial Services Compensation Scheme.
Haven at a glance
- 97,000 policyholders.
- Current solvency cover ratio = over 140%.
- They are a specialist insurer offering short-term or annual cover.
- Over £350m was paid out in claims in 2023.
- 3.5/5 star Trustpilot rating (with 490 reviews).
- “My daughter was involved in a car accident which was the other driver’s fault. We claimed and were very pleased with the response from Haven.” – John, Great Britain.
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What Does Haven Car Insurance Cover?
Haven’s comprehensive policies cover the following:
- Accidental damage
- Liability disputes
- Personal injuries
- International cover (EU)
- Windscreen cover
What isn’t covered?
- General wear and tear (e.g. tyres, brake pads)
- Driving with an expired/suspended licence
- Uninsured drivers
- Any claims resulting from fraudulent activity
- Negligence claims (e.g. keys left in the ignition and the vehicle is stolen)
What Are The Types of Haven Car Insurance?
Haven provides flexible, specialist cover for a whole range of insurance products. This includes small, personal policies to large fleets of taxis and motor trade risks.
Here’s an overview of Haven’s insurance products:
Private car
Haven’s Private Car product offers flexibility and is designed to cater for those policyholders who may experience difficulty obtaining cheap car insurance cover elsewhere. The insurer offers a whole range of options including telematics, impound recovery and short-term policies.
Haven taxi insurance
Taxi policies offer flexible cover for both public and private hire (PCO) use, and are available on an annual or short-term basis.
Minibus
Minibus insurance covers minibuses with a maximum of 17 seats for both pleasure and private hire usage.
Motor trade road risk
They offer cover for various motor trade road risks, and can accommodate a wide range of motor trader requirements.
Motor fleet policies
This product is targeted at various commercial fleet risks, including taxi, credit hire and courier fleets.
Commercial vehicle
Haven’s commercial vehicle policy covers a wide range of commercial vehicle types and uses. Customers can choose from several different options.
Learner driver
They can provide cover for learner drivers, either on their own vehicle or that of a family member, whilst they (the learner) are in the process of obtaining a full licence.
What Are The Levels Of Haven Car Insurance?
Haven provides three levels of car insurance:
- Third-party only (TPO) – the most basic level of cover and a legal requirement stated by UK law. Haven provides compensation to the involved third party if you are at fault, but will not compensate you for vehicle damage or personal injuries.
- Third-party, fire and theft (TPFT) – Haven will pay out if your vehicle is damaged by fire and is stolen, but you will not be covered if you are involved in an accident.
- Comprehensive cover – is a combination of TPO and TPFT cover with the addition of liability cover, windscreen protection and EU cover. Please check their website for full details.
What Optional Extras Can You Add To Haven Car Insurance Policies?
There are a couple of add-ons you can select with a Haven car insurance policy:
- Excess reimbursement – offers an annual excess reimbursement for private car, commercial vehicle or taxi policies.
- Guaranteed taxi hire – an add-on for taxis, offering a replacement hire vehicle
- Breakdown cover – is available for national or European usage, for private and commercial vehicles as well as taxis.
How Much Does Car Insurance Cost With Haven?
The average price of car insurance in the UK is around £680 per year. Haven’s policies are influenced by many factors such as the drivers’ age, UK location and previous claims history.
What influences Haven’s car insurance prices?
- Age of the driver
- UK location
- Type of vehicle – make, model, value
- Driving habits (including driving convictions)
- Level of cover chosen
- Optional extras
- Claims history
How Can I Get Cheaper Haven Car Insurance Rates?
You can reduce your car insurance premiums in the following ways:
- Limit how much you drive
- Ensure vehicles are secure overnight (e.g. locked garage, private driveway)
- Only choose the add-ons you need
- Opt for annual payments as opposed to monthly instalments (to avoid interest rates)
- Limit/avoid modifications
- Increase voluntary excess
- Opt for telematics technology
How To Compare Haven Car Insurance Quotes With SimplyQuote?
Comparing car insurance quotes with SimplyQuote is super quick and stress-free:
- Fill in the online form – with your personal and vehicle info.
- Select the policy you want – along with any add-ons you want to include.
- Compare quotes – quickly and effortlessly to find the best deal.
- Start saving today!
Frequently Asked Questions
You can contact Haven in various ways:
- Phone: 0345 092 0704
- Email: info@haven.gi
- Website: www.haven.gi/
- Post: Haven Insurance Company Limited. No.1 Grand Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA
You can report a claim 24 hours a day, 7 days a week.
Haven’s claims team will be able to assist you with the following:
- Repair your vehicle through their managed repair network guaranteeing the quality of your repair.
- Provide a network of solicitors to help you recover uninsured losses in the event you have a non-fault accident.
- Provide replacement hire vehicle(s) in non-fault accidents, this will be subject to availability.
- Haven’s claims Inspectors act immediately to protect your policy from excessive costs.
If you are involved in an accident, Haven advises that you take the following steps:
- Get into a safe position away from traffic before you start exchanging details.
- Never admit liability at the scene of the accident.
- Exchange names, addresses and phone numbers with everyone involved.
- Exchange registration numbers, in addition to the make and model of the vehicle(s).
- Take pictures of the vehicle(s), the registration number of the vehicle(s) and any passengers.
- If it is safe, try to take pictures of the accident scene.
- If there are any witnesses, obtain their names, mobile number and their address.
- If any party is injured, notify the police and call emergency services to the scene of the accident immediately.
You must report any incident to Haven’s claims team within 24 hours.
Haven Insurance underwrites its policies as they are a privately owned entity.