MyPolicy Car Insurance Review
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What people have to say about us
First insurance I obtained. Good quotes and easy to distinguish which policy might be best for me ie with or without black box etc
Basildon, United Kingdom
Thank you this is best one
London, United Kingdom
4.75/5 from 2915 customer reviews
MyPolicy Car Insurance Review
MyPolicy Car Insurance
MyPolicy is a UK based insurance company that specialises in brokering insurance for young drivers along with other low mileage drivers. The approach MyPolicy has taken toward it’s insurance coverage essentially involves implementing telematics in order to monitor driving behaviour and adjust your premiums accordingly. This can be very useful for responsible young drivers looking to shave off some of the cost on their premiums. If your car is stolen, a telematics insurance policy can also be very useful as it will allow MyPolicy to track your cars location if the box is still intact. MyPolicy has been well received with an average rating near 5 stars on Trustpilot.
MyPolicy has a good level of coverage options as well as very positive reviews. The draw backs when compared to other insurers however include higher cancellation fees along with no guaranteed damage repairs.
Mileage with MyPolicy
MyPolicy prioritises mileage in their pricing plans. This means if you don’t drive a lot then this will be taken into consideration and can save you money as you won’t be paying for coverage you don’t actually need. It’s important to note however that you should give a realistic estimate of your mileage as your coverage may be cancelled if your driving dramatically exceeds this. Here is a breakdown of MyPolicy’s limits for mileage estimates.
Your policy will be automatically cancelled if you hit one of the following
- Use 25% of the amount declared within the first 2 months of taking out a policy
- Use 90% of the amount declared within the first 3 months of taking out a policy
- Use 100% of the amount declared
Your speed may also cancel your coverage if you exceed the following restrictions
- 30+ mph in a 20 mph zone
- +45 mph in a 30 mph zone
- +60 mph in 40 mph zone
- +75 mph in a 50 mph zone
- +90 mph in a 60 mph zone
- Speed in excess of 100 mph is recorded
Who underwrites MyPolicy car insurance?
- Highway (LV)
MyPolicy has received many positive reviews from Trustpilot. The praise directed at MyPolicy largely focuses on the customer service provided to policy holders as well as the ease of the insurance process. Slight criticisms where included mainly focusing on the higher cancellation fee.
“My daughter phoned to confirm details of the policy and got through to Kim, a very helpful operator. Going through the details we had inputed on line we had made two minor mistakes. Kim corrected them and informed us that we had paid too much and will be refunded the difference back into the account within 5 days. We also had lots of questions regarding the insurance and the fitting of the box, to which Kim was very knowledgable and answered all in full. It’s never cheap for first time drivers but this was the cheapest we came across and to get money back, amazing.”
Trustpilot Review: 12 July 2023
First experience went well
“The call was obviously scripted but the advisor was very good and made the call flow naturally, and it means I got all the key information I needed whilst validating.
I can’t remember her name but I think it may be Abigail, so thank you”
Trustpilot Review: 12 July 2023
“The man who i spoke to regarding my renewal was extremely helpful and answered all questions that i had, even added another driver onto my insurance policy with no issue and discussed possible changes to my insurance in order to bring the price down. Would definitely recommend.”
Trustpilot Review: 11 July 2023
I was dealt by a lady named Tracy, was very friendly, helped solve my problem fast and efficiently the company ‘my policy’ are great with affordable prices for
quotes, overall great service and I will be sticking to this company for my insurance.
Trustpilot Review: 06 July 2023
Fees associated with MyPolicy coverage
|Admin fee (changes made during the year)||£25|
|Change of vehicle||£150|
|Black box removal||£50|
|Cancellation fee within 30 days (Professionally Installed Devices)||£247 (or £75 without black box )|
|Cancellation fee after 30 days||£75.00|
A renewed policies can have a lower cancellation fee
MyPolicy Comprehensive Coverage (AXA)
- Belongings up to £300
- Keys Up to £1,000 (must report loss to police within 24 hours)
- Car recovery after accident
- Courtesy car (repairs)
- New car replacement if damaged, repairs more than 60% of manufacturer’s current list price
- Stereo and satellite nav
- Alternative transport & Hotel after accident
- 24-hour emergency helpline
- Same cover in EU
- Child car seat replacement after accident, theft, fire up to £300
- Uninsured driver NCD protection
This is a strong offering for a comprehensive car insurance policy and is one of the main benefits of choosing MyPolicy, but are they the best option for you?
Comparing car insurance quotes
If you’re keen on taking out a MyPolicy insurance plan, it helps to have other quotes to compare them against.
The reason you should always compare multiple insurers is because whilst one provider may be able to offer one person the best deal on their car insurance, this may not be the case for somebody else. This is because each driver has their own unique risk profile that directly impacts the premiums you’ll be charged, and different insurers may be better suited for certain drivers.
By comparing multiple quotes from differing providers you can effectively increase your chances of finding the best insurance coverage for you – That’s where we can help.
At Quotezone we’ve compiled a large panel of over 110 insurance providers to let you easily compare quotes from across the UK insurance market. Find the best coverage for you fast with our quick details form and start saving on your insurance today.
*51% of consumers could save £490.26 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.