Autosaint Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

You might already know that Autosaint 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 Autosaint 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 Autosaint car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Autosaint

Our ratingOur opinion
Customer service & satisfaction

Quick and efficient application process
24/7 Claims line available
Low customer satisfaction rate on Trust Pilot and reviews.co.uk
No live chat feature available

Cover provided

Autosaint works with several top UK insurers to provide telematics insurance such as Ageas, Aviva, Covea, Highway, MarkerStudy and Sabre therefore, the policy may vary depending on the insurer you choose
Does not impose mileage restrictions or curfews
Telematics car insurance for provisional drivers and young drivers
Wide range of optional extra covers depending due to several choices to pick from
Offer telematics insurance only

Value for money

NCB availalble
High renewal fee of £60
High cancellation fee of £55 – £75

Financial strength for pay out

Autosaint works with major UK insurers offering telematics insurance which increases its ability to pay out claims.

Technology

Online application process
Well organized and user friendly website
Black box insurance available
The black box can track your vehicle in cases of theft

Safe rating for Autosaint

Expert and customer reviews on Autosaint

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

Review organisationConsumer satisfaction rates for Autosaint
TrustPilot1,4/5 based on more than 110 opinions
Consumer satisfaction rates on reviews for Autosaint

To check if Autosaint 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.

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Our review on Autosaint car insurance policy

Autosaint Insurance is a trading name of Fresh Insurance Services Group.

Autosaint is a specialist insurance company offering telematics insurance to provisional drivers and young drivers.

The company offers telematics (black box) insurance as their main product alongside Temporary Insurance for those looking to add another driver for a short period of time.

The insurance policies offered by Autosaint is underwritten by some of the leading insurance companies in the UK such as Ageas, Sabre, MakerStudy, etc. This causes the offers and levels of cover to differ since some of them offer all of the 3 main levels of cover while others offer comprehensive only. We recommend that you go through your policy document carefully so as to be aware of what exactly you’re covered for.

Even though being underwritten by several leading insurance companies may have a benefit, due to the low customer satisfaction rate on review sites, we recommend you go for a company that has higher satisfaction rates such as Wise Driving Insurance or Acorn Insurance.

What does Autosaint car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Autosaint?

Car insurance policyAvailable at AutosaintCoverage 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
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Autosaint

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

Main guarantees at Autosaint explained in details

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

Breakdown cover at Autosaint

Autosaint has partnered with SilverKnight Rescue (An automotive repair service company) to provide breakdown cover for their customers. The Breakdown Cover comes with the following benefits:

  • Roadside assistance whenever your vehicle breaks down
  • Repair assistance within one mile radius from your home address or at your home
  • Up to 2 telephone message relays to family members and friends to inform them of your incident
  • Recovery of vehicle if the repair cannot be complete by the working day
  • Onward travel cover to hire a vehicle for up to £100, or cost of public transport
  • Overnight accommodation of up to £60 for a lone driver of £40 for each person or a maximum of £320 in a group that is made up of up to 7 passengers
  • In case you’re hospitalized in a hospital far away from your home address, they will offer transport either car or ambulance to transport you to a hospital that is near your home.

Keycare cover at Autosaint

Up to £1500 for replacement of locks or keys in case of loss or theft of keys.

Windscreen cover at Autosaint

  • Windscreen cover is usually already included as a standard if you take out a comprehensive level of cover.
  • In some cases, it might not be available as standard but you can get it as an extra add-on
  • Autosaint offers an optional Windscreen Cover add-on that is provided by MarkerStudy
  • The cover has a limit of £500 and is subject to an excess of £75.

Motor legal protection at Autosaint

Up to £50,000 to cover for legal costs and expenses when pursuing for compensation after an incident that wasn’t your fault.

Personal policy injury available at Autosaint

Autosaint does not offer a personal injury additional cover but most of the policies come with cover of up to £5000 in case you or your spouse is injured in an accident as a standard.

Coverage abroad at Autosaint

The coverage for abroad insurance may vary from one underwriter to the other.

The covers will vary between 30 to 90 days with some covering the same level of cover you have in the UK while others providing only the minimum (Third Party Only) Cover while traveling abroad.

Most of the insurers will cover for EU and any country that meets the EC Directive 2009/103/EC requirements.

No-Claim Bonus (NCB) at Autosaint

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. No NCB rate is stated in the website or policy documents. You can also opt for an NCB protection cover at an additional charge.

If the incident caused was not your fault and Autosaint was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.

Claims on the following will not affect your NCB:

  • Windscreen cover
  • Medical emergency cover
  • Incidents caused by an uninsured driver.

At Autosaint, 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.

NCB protection claims (number per year): 2 claim in 3 years or
NCB protection claims (number per year): 2 claim in 5 years.

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. 

Autosaint car insurance terms and conditions

How much does Autosaint car insurance cost?

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

Drivers'ageMonthly premium
18 years old£107,08
40 years old £44,16
60 years old£32,56
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Autosaint 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 Autosaint?

Apart from the No-Claims discount, there's a potential to get a discounted premium based on your driving performance that is recorded and reported by the black box that is installed in your car.

Discount typesComment
DiscountsDiscount on renewal premium depending on your telematics reports.
Discounts and cashbacks available at Autosaint

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!

Autosaint car insurance policy summarized

Guarantees

At Autosaint
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- £100
Limit- £500 - £1000
Personal belongings£100 - £250
Audio equipment

Excess- Not stated
Limit - £300 - £1000

Medical expenses

£100 - £150

Liability limit for property damage£20,000,000
Legal expenseNot Stated
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

30 days to 90 days

Guarantees at Autosaint

Excess

At Autosaint
Fire excessExcess- £100
Limit- £300 - £1000
Theft excessExcess- £100
Limit- £300 - £1000
Accidental damage excessNot stated
Windscreen replacement excessExcess- Not stated
Limit- Unlimited when using approved repairer, £100 limit if using unapproved repairer
Young driver excess

£300 - £350

Excess at Autosaint

Admin fees

At Autosaint
Interest charged by payment installments

Not Stated

Renewal fees

£60

Cancellation fees

Cancellation fees during cooling off period : £55
Cancellation fees outside cooling off period : £75

Modification fees

Mid-Term Adjustment fee: £65

Admin fees at Autosaint

Other car insurance policies available at Autosaint

Autosaint black-box insurance

Autosaint Insurance is a specialist car insurance company that focuses on providing telematics car insurance that involves the installation of a black box in your vehicle.

How it works:

  • You need to have the black box installed in your car within 14 days after taking out your policy
  • The cost of installation is already included in your premium price
  • The black box tracks and records details such speeding, accelerating, cornering and braking and provides you with information on how to improve your driving
  • Your premium would be tailored according to the reports your black box generates
  • The black box can also be used to track you car in case it is stolen.

Autosaint short term cover

Autosaint offers temporary car insurance in case you already have a telematics insurance for your car and are looking to get a temporary car insurance for someone else who is going to be driving your car.

The company has partnered with DayInsure (A car insurance company) to provide you with temporary car insurance for Provisional Licence Holders and Full Licence Holders.

It is important to note that the telematics device will keep recording your driving skills regardless of whether it is you who is driving or the person you took the temporary insurance for.

Autosaint business car insurance

Cover for business partner or employer will only be available if your Certificate of Insurance clearly states that you can use your vehicle for business use.

How to contact Autosaint auto insurance?

Autosaint phone numbers 

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

Contact numberOpening hours

Customer Service

01527 758 169

Monday to Friday: 9am to 5:30pm
Saturday: 9am to 4pm
Sunday: 10am to 4pm

Existing Customers

01527 758 169

Monday to Friday: 9am to 5:30pm
Saturday: 9am to 4pm
Sunday: 10am to 4pm

Claims

01527 758352

Available 24/7

Breakdown

01904 231194

Available 24/7

Contact numbers at Autosaint

Autosaint other contact details

You'll find below Autosaint main contact details:

Contact details of Autosaint
Email address

[email protected]

Customer account with Autosaint login

My account

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Autosaint

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

Fresh Insurance Services Group Ltd.,
Burnt Meadow Road,
North Moons Moat,
Redditch, B98 9PA

How to cancel your car insurance at Autosaint?

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, Autosaint as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Autosaint 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.

Autosaint 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’.