We are very proud to have achieved the highest Defaqto Rating of 5 Stars on our Hughes Insurance Car insurance product*.
Explore the features of each option below.
The Hughes Insurance comprehensive policy covers loss or damage to your vehicle due to accident, fire or theft. It also covers any damage to third party vehicles and property as well as injury to your passengers, other drivers, their passengers and pedestrians, in the event of an accident.
The Hughes Insurance Third Party, Fire and Theft policies cover your vehicle for loss or damage due to fire or theft. It also covers damage to third party vehicles and property as well as injury to other drivers, passengers and pedestrians in the event of an accident.
The Hughes Insurance Third Party policy only provides cover for third party vehicles and property as well as injury to other drivers, passengers, and pedestrians, in the event of an accident.
5 Star Defaqto Rated
UK & Ireland breakdown assistance
Puncture assistance
Fuel shortages
Lost keys assistance
Cover for use abroad
Audio, telecom & sat nav protection
New car replacement
Windscreen cover
Courtesy Car including Total Loss Courtesy Car
Uninsured driver promise
Child car seat cover
Replacement locks cover
Medical expenses
Personal belongings cover
5 Star Defaqto Rated
UK & Ireland breakdown assistance
Puncture assistance
Fuel shortages
Lost keys assistance
Cover for use abroad
Audio, telecom & sat nav protection
New car replacement**
(Depending on insurer)
Personal belongings cover
(Depending on insurer)
5 Star Defaqto Rated
UK & Ireland breakdown assistance
Puncture assistance
Fuel shortages
Lost keys assistance
Cover for use abroad
** We would not recommend that a brand-new vehicle be covered Third Party, Fire and Theft
An excess is the amount of money you pay towards a claim under your policy. The two main types of excess are:
Compulsory excess – this must be paid and relates to claims for accidental or malicious damage, accidental damage, vandalism, fire and theft.
Voluntary excess – this is paid on top of a compulsory excess. You can select a voluntary excess when setting up your policy, which may help to reduce the premium.
Our Help Centre contains lots of useful and practical support when it comes to car insurance - including what to do in the event of an accident or a breakdown.
Our phone line opening times are:
Monday to Friday
09:00 - 19:00
Saturday
09:00 - 13:00
Sunday
Closed
Please note: If your call is in connection with a quotation or the purchase of a new insurance policy with Hughes Insurance, our motor new business line does not open until 9am.
We are very proud to have achieved the highest Defaqto Rating of 5 Stars on our Hughes Insurance Car insurance product*. It is important to us that our customers have one of the highest quality offerings on the market giving you peace of mind, confidence and trust in your purchase with us.
Defaqto is a leading UK independent financial information business, specialising in analysing, comparing and rating the market so consumers can make better informed decisions.
Defaqto’s experts monitor the market to provide accurate, factual and up to date information to all layers of the financial services sector including banks, insurers, advisors, comparison websites, regulatory agencies and consumers.
Defaqto Ratings are based on an analysis of the features and benefits of a policy. Products can receive a rating of 1 to 5, depending on the quality and comprehensiveness of the features it offers. A 1 Star Rating indicates a basic product or proposition, with a low level of features and benefits, while a 5 Star Rating indicates that a product or proposition is one of the most comprehensive on the market.
The Star Rating we achieved for our Car insurance product provides you with the confidence that you have selected one of the highest quality products in the market.
As a leading broker within Northern Ireland, it is important to us that our customers have confidence and peace of mind when insuring through Hughes. A Defaqto Rating reflects the level of cover that is offered within the product and helps you as a consumer make a better informed decision about your purchase.
We care about protecting what matters, which is why we are confident that our 5 Star rated product will give you the peace of mind that you need when insuring your motor.
ϮFeatures and benefits vary depending on the level of cover selected. As with all insurance policies, terms, limits and exclusions apply.
*Hughes Insurance offers a number of car insurance products from various insurers. The 5 Star Defaqto rating applies only to our Hughes Insurance Car Insurance product and not all car insurance products we offer.
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