Car Insurance Quote
Find out if you can get cheaper car insurance today.
Car Insurance from Riviera Insurance
Welcome to Riviera Insurance, your trusted local insurance broker in Torbay, Devon. We understand that your car is a vital part of your daily life, and finding the right cover at the right price shouldn’t be a hassle. That’s why we’ve partnered with a large panel of the UK’s leading car insurance companies to search the market for you, delivering competitive quotes tailored to your exact driving needs.
Whether you are looking for everyday value or specialised protection, Riviera Insurance combines the market-searching power of a major broker with the personal, dedicated customer service of a local team. Not only that, but we also have access to a range of additional car insurance policies for convicted drivers, young drivers, classic car owners, wedding cars and taxi drivers, minibuses, motorhomes and more.
What Do I Need To Get A Car Insurance Quote?
Getting a car insurance quote with Riviera Insurance is quick, simple, and hassle-free. To help our specialists find the most accurate and competitive rates, you will need the following information:
Vehicle Details: The registration number, make, model, engine size, year of manufacture, and details of any modifications.
Personal & Contact Information: Your age, address, occupation, and contact details.
Driving History: Details of your driving licence type, how long you’ve held it, any past motoring convictions, and your accidents/claims history over the last 5 years.
No Claims Bonus (NCB): The number of years of No Claims Bonus you have accumulated.
Usage & Storage: How you intend to use the car (social only, commuting, or business use), estimated annual mileage, and where the vehicle is parked overnight (e.g., on a driveway, in a secure garage, or on the road).
Additional Drivers: The names, ages, and driving histories of any other individuals you wish to add to the policy
Why Get Car Insurance With Riviera Insurance?
At Riviera Insurance, we believe in providing our community with insurance that offers real value and total peace of mind. When you choose us, you benefit from:
Market-Leading Specialists: Our fully trained team does the hard work for you, comparing policies across a wide panel of top UK insurers to find the lowest possible price for the cover you need.
Specialist Vehicle Cover: Beyond standard cars, we have access to tailored schemes for young drivers, convicted drivers, classic car owners, taxi drivers, minibuses, motorhomes, and more.
24/7/365 Claims Support: Accident alerts don’t stick to 9-to-5 hours. Our dedicated claims line operates 24 hours a day, 365 days a year, so we are always here when you need us most.
Complimentary Courtesy Car: A replacement vehicle is provided free of charge on any non-fault claims to keep you moving.
Flexible Payment Options: We offer flexible payment terms to help you spread the cost of your insurance cover smoothly across the year.
Our Motto: We are big enough to save you money, but small enough to care about your individual needs.
What Type Of Car Insurance Do I Need?
We offer three primary levels of cover so you can choose as much or as little protection as your budget and lifestyle require:
- Comprehensive Cover: This provides the widest level of protection. It covers damage to your own car resulting from accidents, malicious damage, fire, or theft, alongside your legal liabilities for third-party injury and property damage.
- Third-Party, Fire, and Theft (TPFT): This option covers your legal liability to other people if you cause an accident, but will also pay out to repair or replace your own vehicle if it is stolen or damaged by fire.
- Third-Party Only (TPO): The minimum legal requirement to drive on UK roads. It covers your financial responsibility for injury to other people or damage to their property, but provides zero cover for your own vehicle.
What Factors Affect The Cost of Car Insurance?
Every insurance quote is completely unique. The price of your car insurance premium is calculated based on several core factors:
The Car’s Insurance Group: Every vehicle fits into a UK insurance group (1 to 50). Factors like engine size, repair costs, vehicle value, and performance capabilities dictate the group and influence the price.
Driver Age and Experience: Younger or newly qualified drivers typically face higher premiums due to statistically higher accident risks on the road.
Location: Your postcode helps insurers assess local risk factors, such as regional accident rates, vehicle crime statistics, and traffic density.
Vehicle Usage: Using your car solely for social and domestic trips is generally less expensive than adding commuting or commercial business mileage.
Modifications: Any changes made to the car post-manufacture that alter its performance or aesthetics can increase insurance costs.
How Can I Get Cheaper Car Insurance?
While car insurance is an essential investment, there are practical steps you can take to lower your annual premiums:
Enhance Vehicle Security: Installing approved anti-theft devices, immobilisers, or steering locks and parking in a secure garage or driveway can lower your risk profile.
Maintain a Clean Driving Record: Safe driving pays off. Keeping your record free of convictions and accidents preserves your No Claims Bonus and lowers costs.
Manage Your Mileage: If you can accurately commit to a lower annual mileage limit, insurers will often reward the reduced road risk with lower premiums.
Increase Your Voluntary Excess: Opting for a higher voluntary excess can significantly reduce your premium. Just ensure it remains an amount you can comfortably afford to pay in the event of a claim.
Pay Annually: If your budget allows, paying your premium in one annual lump sum avoids interest fees associated with monthly installment plans.
Optional Upgrades and Add-Ons
Customise your policy to create the perfect safety net with our selection of optional policy upgrades:
Breakdown & European Breakdown Cover: Round-the-clock roadside assistance to get you moving again quickly, whether you are close to home or travelling across Europe.
Legal Expenses Cover: Helps pay for legal costs to recover uninsured losses (like your excess or loss of earnings) following an accident that wasn’t your fault.
Personal Accident & Public Liability: Enhanced financial protection providing lump-sum payouts in the event of serious injury.
Windscreen Repair Cover: Protects you against the cost of repairing or replacing chipped or smashed windscreens without impacting your main No Claims Bonus.
Download our FREE app
At Riviera Insurance, we want to help you. That is why we have developed the Riviera Insurance App to help you easily upload documents, view your documents, report claims and much more.
Other products that we offer…
Big enough to save, small enough to care.
Our staff are empowered to contact insurance companies and underwriters on your behalf, providing a truly personal service across the UK – with no call centres. We take the time to understand your insurance needs to find you the most suitable policy at a competitive price.
With a range of optional extras available, you can tailor your cover to suit your needs and budget. Finding cheap insurance has never been simpler. If you are local to Torbay, you can even pop in to our high street office on Union Street in Torquay and arrange your insurance with us in person.
