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We recommend looking closely at the offerings you may need and comparing quotes from both providers. Allstate excels at servicing its customers — one of Farmers' weakest areas. Allstate’s J. D. Power satisfaction scores are above the industry average, outranking Farmers by 15 points. And if you aren’t satisfied with Allstate’s claim process, the company offers a Claims Satisfaction Guarantee: You'll receive six months of premium cost credit if you’re unhappy with your auto claim.

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The Act requires that motorists either be insured, or have made a specified deposit £500,000 in 1991 and keeps the sum deposited with the Accountant General of the Supreme Court, against liability for injuries to others including passengers and for damage to other persons' property, resulting from use of a vehicle on a public road or in other public places. The registration number of the vehicle shown on the insurance policy, along with other relevant information including the effective dates of cover are transmitted electronically to the UK's Motor Insurance Database MID which exists to help reduce incidents of uninsured driving in the territory. The Police are able to spot check vehicles that pass within range of automated number plate recognition ANPR cameras, that can search the MID instantly. It should be noted, however, that proof of insurance lies entirely with the issue of a Certificate of Motor Insurance, or cover note, by an Authorised Insurer which, to be valid, must have been previously 'delivered' to the insured person in accordance with the Act, and be printed in black ink on white paper. The insurance certificate or cover note issued by the insurance company constitutes the only legal evidence that the policy to which the certificate relates satisfies the requirements of the relevant law applicable in Great Britain, Northern Ireland, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. The Act states that an authorised person, such as a police officer, may require a driver to produce an insurance certificate for inspection.


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