Autosaint

Autosaint: telematics car insurance for young and learner drivers

Autosaint is a car insurance brand aimed at provisional licence holders, newly qualified drivers and young motorists across the UK. It operates as a trading name of Right Choice Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority under reference number 475620. The brand was launched in 2010 with policies built around black box telematics technology installed in the driver's car.

The company presents itself as one of the early adopters of telematics in this segment. Working with a technology partner and a panel of insurers, it developed policies with low upfront premiums and an online dashboard intended to help policyholders improve their driving style.

How the telematics cover works

The core of the offer is a telematics box that records driving data. Through the Autosaint dashboard, policyholders receive feedback on their driving with the stated aim of helping them become safer drivers. The same device can also function as a theft tracker, which the company says can help guide police to a stolen car's location.

Autosaint highlights that it does not impose a curfew, so the telematics policy does not restrict night driving. The brand also states that its cover can be up to 40% cheaper than standard car insurance, a figure it presents as a saving of up to 40% on standard car insurance.

Options for provisional licence holders

For learners, Autosaint offers annual policies in the driver's own name on their own car, with cover described as starting from as little as £350 for a provisional licence holder. The company argues that insuring through a parent's policy is not always the cheaper route.

• Choice between installing the telematics box immediately or later.
• Practice in the learner's own car, which the company links to reducing the number of costly driving lessons.
• Building an individual no claims bonus, with a first-year NCB that can be worth up to 35%.
• Options that may mean no additional premium when the driver passes the test, unlike some other insurers.

Products beyond private car cover

Alongside its core telematics car insurance, Autosaint lists home insurance and van insurance for customers who need cover for other vehicles or property. The site also references breakdown cover organised around personal-based cover, vehicle-based cover, short break cover and European cover.

According to the company, feedback from policyholders showed demand for a wider product range, including a claims management service, breakdown cover, excess protection and key cover. Autosaint states that it worked with insurers such as Aviva, Markerstudy and Covea to offer these policies at exclusive rates.

The broker behind the brand

Autosaint belongs to Right Choice Insurance Brokers Ltd, described on the site as a multi-award winning broker and one of the largest privately-owned personal lines insurance brokers in the UK, positioned among the top 50 UK brokers. RCIB has more than 160 staff members based in Romford, Essex, and, as part of the Lucida Group, administers over 400,000 customers. Members of Autosaint are also given access to Club RCIB, the group's wider customer programme.

The registered office is St James House, 27-43 Eastern Road, Romford, Essex, RM1 3NH, and the company is registered in England & Wales under number 6423401.