Car Insurance

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.

Defaqto

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.

Who are Defaqto?

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.

How is a Defaqto Rating achieved?

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.

Why are Defaqto Ratings important

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.