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

New Fiat Grande Panda goes on sale with tiny price and big ambition
Fiat Grande Panda La Prima - front cornering

New Fiat Grande Panda goes on sale with tiny price and big ambition

The newly crowned Auto Express Supermini of the Year is available in hybrid or pure-electric form, with the EV offering 199 miles of range
News
1 Sep 2025
Skoda Elroq and Enyaq get Electric Car Grant approval
Skoda Elroq - front cornering

Skoda Elroq and Enyaq get Electric Car Grant approval

Despite some models costing over the £37,000 threshold, Skoda has secured the government grant on its mid-size electric SUVs
News
2 Sep 2025
Car Deal of the Day: Enjoy Scandinavian style with the Volvo XC40 for just £296 a month
Volvo XC40 - front full width

Car Deal of the Day: Enjoy Scandinavian style with the Volvo XC40 for just £296 a month

Swedish company’s popular compact SUV is still effortlessly cool, and great value with our Deal of the Day for 31 August
News
31 Aug 2025