Autonet Car Insurance Review

James Rodriguez James Rodriguez updated on October 6, 2020

This is the ultimate review to guide you through Autonet car insurance.

You might already know that Autonet offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Autonet the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Autonet car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Autonet

Our ratingOur opinion
Customer service & satisfaction

Immediate cover can be gotten via the online option
4.4/5 based 6,137 opinions on TrustPilot
Autonet has won awards for the services rendered by them

Cover provided

Short term insurance is provided even for vans
£2,000 to £10,000 worth of cover is provided for the tool cover option
There are a range of optional extras to pick from such as breakdown cover, windscreen cover, motor legal protection

Value for money

Cashback vouchers are available for new customers
There is the option of increasing the voluntary excess to £700
Cancellation fee of £79.95+ Amount charged by insurer

Financial strength for pay out

Autonet Insurance is an Insurance Broker established in 1998 and has since grown to become one of the UK’s largest insurance brokers with a turnover in excess of £130 million. This facilitates the fact that their ability to pay out claims is very high.


Good user experience on the website
Policies can be taken out and changed online
A live chat option is available
Use of technological advancements like the Black box via partnership with Charles Hurst

Safe rating for Autonet

Expert and customer reviews on Autonet

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Autonet's reputation.

Review organisationConsumer satisfaction rates for Autonet
Defaqto expert rating for Autonet defaqto 3 stars 1
TrustPilot4,4/5 based 6,137 opinions
Consumer satisfaction rates on reviews for Autonet

To check if Autonet is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
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Our review on Autonet car insurance policy

Autonet was established in 1998, and since then, it has grown to become the UKs largest independent van insurance broker and specialise in van, car and business insurance. In 2016, it was named as one of the top 50 UK brokers in by the Insurance Post. It also won the Personal Lines Broker of the Year award and the Independent Broker of the Year award at the Insurance Times Award in 2014. They offer the three levels of cover: Comprehensive cover, TPFT cover and the Third Party cover. Also, different ranges of services like Temporary cover, Telematics insurance and Insurance for Learning drivers, Motor Legal Protection cover, Windscreen cover, Breakdown cover, Van insurance cover are provided.

Autonet has a good review of 4.4/5 on TrustPilot and a 3 star rating on Defaqto. They are known for their excellent customer services, albeit mostly online and also a stress-free car insurance experience. The iinsurance company is recommended for drivers looking for top-notch services and drivers who do not mind online communication with customer care agents.

What does Autonet car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Autonet?

Car insurance policyAvailable at AutonetCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Autonet

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Autonet explained in details

Let's find out what does Autonet covers in its car insurance policy.

Breakdown cover at Autonet

Autonet provides Breakdown cover in collaboration with AXA. The breakdown cover is provided at a starting cost of £50.99 per year and it comes with different levels of cover which in turn offers different services. They are:

  • Roadside assistance in the event that your car broke down at a distance not too far from your home. One hour of free labour and misfuelling cover is provided. It costs £50.99
  • Roadside assistance and Recovery this level of cover provides £250 worth of alternative sources of transportation for the driver and passengers if repair cannot be done immediately on the vehicle, one night accommodation and a 24 hour hire service. It costs £59.99.
  • Roadside assistance and Homestart breakdown services are provided in the case that the car does not start or work from the driver’s house. One hour of free labour is provided, if the car does not work after then, it is towed tot he nearest garage. It costs £65.95
  • European Breakdown Cover this includes all the services provided in the Road assistance cover and also provides breakdown cover in European countries. It costs £89.95

Keycare cover at Autonet

In this case, Liverpool Victoria which is one of the insurers is chosen. New locks and keys are provided by Liverpool Victoria in the the case that the driver’s keys has either been misplaced or damaged.

Windscreen cover at Autonet

Windscreen cover is provided by Autonet for £35.95 per year. This is offered as an additional extra in the case that one of the insurers do not offer windscreen services. This insurance cover provides a sum of £300 which covers the cost of repairs for the breakage of windows or windscreen glass (does not include sunroof or paranomic glass) provided the damage to the windscreen would be sufficient to cause the vehicle to fail an M.O.T. test. A claim cannot be made within the first 30 days of taking out the insurance policy.

Motor legal protection at Autonet

Autonet’s Motor Legal Protection is offered as an additional extra and it offers the following:

  • £100,000 worth of legal expenses
  • Uninsured loss and recovery.

Personal policy injury available at Autonet

As this level of cover is not provided by Autonet, the Personal accident would be covered by Aviva and it offers financial compensation of up to £2500 to help the driver or passengers recover. The cover is only valid if within 3 months, the injuries sustained from the accident results in:

  • death
  • permanent loss of sight in one or both eyes
  • permanent loss of limb.

Coverage abroad at Autonet

Abroad coverage is available under the cover policies provided and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Republic of Ireland, Northern Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).

Courtesy car at Autonet

A guraranteed hire vehicle service is provided by Autonet as an additional extra and it is applicable for both vans and cars. The car provided as a temporary replacement would be of the same size and type as the driver’s former car and if that is not available, a larger car would be provided. This insurance option is only valid for 14-28 days and costs about £30.95 for 14 days and £40.95 for 28 days.

No-Claim Bonus (NCB) at Autonet

The NCB will keep increasing every year provided the driver does not file a claim. No percentage is provided.

The only way a no claims bonus can be kept in the event of a claim is if you were not at fault and there is a third party to claim from.

At Autonet, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

Not stated

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

How much does Autonet car insurance cost?

You'll find below indicative car insurance quotes at Autonet:

Drivers'ageMonthly premium
18 years old£105,03
40 years old £43,31
60 years old£31,94
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Autonet insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Autonet?

Cashbacks are offered for new drivers. No other discounts or NCB are available for customers.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Autonet car insurance policy summarized


At Autonet
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysFull replacement
Personal belongings£150
Audio equipment

Not Stated

Medical expenses


Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit


Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Autonet


At Autonet
Fire excess£350
Theft excess£350
Accidental damage excess£350
Windscreen replacement excess£75
Young driver excess


Excess at Autonet

Admin fees

At Autonet
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period : £50 + amount charged by insurer
Cancellation fees outside cooling off period : £79.95 + amount charged by insurer

Modification fees

Adjustment fee: £37.50

Admin fees at Autonet

Other car insurance policies available at Autonet

Autonet black-box insurance

Autonet in partnership with Charles Hurst offeres telematic services. A telematic box is installed in the car and this monitors the driver’s car performance by tracking the car’s location, the distance travelled per time, acceleration, braking, cornering, lane changes, speed and time spent not moving. The information gotten can then be monitored on a dashboard by the driver. No specific name is given to this insurance service and the telematics insurance service is valid for foreign use.

Autonet short term cover

Autonet provides temporary insurance services for drivers who need flexible and short car insurance for a short time. The insurance cover lasts for 28 days. The following are provided:

  • Immediate drive away cover: cover is provided in the case that the driver wants to buy the car and drive it immediately
  • Temporary additional drivers: other drivers can be added temporarily to an existing insurance policy.
  • Vehicle demonstration or test drive: insurance can be provided in the case that a driver needs to do a test drive before purchasing a vehicle.

Autonet learner driver car insurance

Autonet Car Insurance provides learning driver insurance and this service is provided in collaboration with Day Insure and Aviva. It is usually taken out in the name of the learning driver. At all learning times, the driver must be accompanied by another driver who has held a UK licence for 3 years and is above the age of 25. The temporary cover is underwrittwn under the comprehensive policy. It offers the following also:

  • A one month’s cover costs £86.32
  • £250 excess is provided
  • An accident does not affect the NCB of the main policy.

Autonet van insurance

The van insurance that Autonet provides is very detailed and it provides services such as:

  • £2,000 to £10,000 worth of tool cover
  • 28 days van hire insurance
  • 4 levels of breakdown cover
  • Fleet insurance cover for vans
  • Excess protection
  • Goods in transit cover.

How to contact Autonet auto insurance?

Autonet phone numbers 

You will find all important phone numbers to contact Autonet car insurance:

Contact numberOpening hours

Customer Service

03303 438 628

Monday to Friday – 8.00am – 7.00pm
Saturday – 9.00am – 5.30pm
Sunday – Closed

Policy Renewal

03303 438 481

Monday to Friday – 8.00am – 8.00pm
Saturday – 9.00am – 5.30pm
Sunday – Closed


0800 9 537 537

24 hours a day, 7 days a week

Contact numbers at Autonet

Autonet other contact details

You'll find below Autonet main contact details:

Contact details of Autonet
Email address

[email protected]

Customer account with Autonet login

My account

Social mediaFacebook, Twitter
Contact details at Autonet

You can also contact them by mail by writing to Autonet car insurance:

Autonet Car Insurance
Nile Street
Stoke on Trent

How to cancel your car insurance at Autonet?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Autonet as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Autonet has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Autonet could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.