Skip advert
Advertisement

Outrage at 37,000 word car insurance policy

Car insurance policy with more words that Orwell's 'Animal Farm' criticised for being too confusing

The average car insurance policy runs to nearly 18,000 words, with drivers needing to put aside more than an hour of their time to read it all.

Research by Fairer Finance found that Endsleigh was guilty of the most weighty paperwork at 37,674 words – more than George Orwell’s classic novel Animal Farm. Sheila’s Wheels was next on 32,860 words, just above Esure at 32,631. LV ranked lowest with 6,901 words, some way ahead of the next best, Nationwide on 9,302.

Advertisement - Article continues below

Best car insurance companies 2013 to 2014

The 17,896 average word count was calculated from the 40 major insurers analysed by Fairer Finance as part of its campaign to axe unnecessary small print. And it seems reams of paper are being wasted, as the study revealed 73 per cent of people don’t read all of their policy documents. Only 17 per cent of people admitted to understanding it all.

James Daley, founder and managing director of Fairer Finance, said: “If next to no one is reading terms and conditions then what exactly is the point of these documents?” And he added: “If one company can do the job in less than 7,000 words, there’s no excuse for insurers who are producing documents that are five times as long.”

Steve Jenner, a spokesman for the Plain English Campaign, told Auto Express: “The revelation that the ‘small print’ contains more words than a major novel is a disgrace. It is difficult to see this as anything other than a cynical ploy, designed to confuse 
and frustrate the customer.”

Auto Express opinion: another blow for an unloved industry 

The average reading speed for a normal adult is 250 words per minute. That means absorbing Endsleigh’s insurance policy will occupy around two-and-a-half hours of your life.

We would be absolutely amazed if there is a single policyholder in Britain who has made it to the end of this epic document. But should we really be surprised? Sky-high premiums, delayed payouts and incomprehensible terms and conditions mean the reputation of insurers has never been lower.

This latest research from Fairer Finance does nothing to dispel the notion that the industry, far from being on the side of drivers, has a healthy interest in tripping them up.

Have you been caught out by an overly wordy insurance policy? Tell us your experience in the comments section below...

Skip advert
Advertisement
Skip advert
Advertisement

Most Popular

Skoda sneaks long-range Enyaq under EV grant barrier
Skoda Enyaq SE L 85 - front 3/4

Skoda sneaks long-range Enyaq under EV grant barrier

Skoda's latest Enyaq SE L 85 delivers a 359-mile range and qualifies for the £1,500 government electric car discount.
News
30 Sep 2025
BYD, Skoda and Renault are giving premium car brands a run for their money
Opinion - premium car brands, header image

BYD, Skoda and Renault are giving premium car brands a run for their money

Mike Rutherford thinks traditional premium car brands are beyond the reach of most car buyers, and the competition is now closing the gap
Opinion
28 Sep 2025
Audi Q3 review
Audi Q3 - front

Audi Q3 review

The Audi Q3 doesn’t rewrite the rulebook, but it does significantly improve on most key metrics; the PHEV is particularly compelling
In-depth reviews
29 Sep 2025