Complete car cover Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

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

4 Safe overall rating for Complete car cover

Our ratingOur opinion
Customer service & satisfaction

Fast and easy quote generation process
24/7 Available Claims Line
Live chat feature (Monday to Friday: 9am – 5pm)
High customer satisfaction rate on

Cover provided

Wide range of covers such as Car, Van, Uber and Travel Insurance
Offer specialist covers for drivers with motoring convictions, modified cars, imported cars, drivers with previously cancelled or voided policies, drivers with hard to cover occupation, drivers who are foreigners or returning expats, etc
Wide range of optional additional covers such as Excess Recovery, Tools in Transit and Replacement Car Cover
Does not offer black box insurance

Value for money

NCB Available
High cancellation fee of £50 – £125
High renewal fee of £90

Financial strength for pay out

Complete Cover Group insurance in underwritten by some of the leading UK insurers such as Aviva, AXA, Cover, Broker Direct, Equity RedStar, Dual Starting, Oak Underwriting, Pukka and many more which gives it its high ability to pay out claims.


Quotes can be generated online
Well organized and user friendly website
Live chat feature
No telematics insurance
Lack of availability of a customer online portal

Safe rating for Complete car cover

Expert and customer reviews on Complete car cover

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

Review organisationConsumer satisfaction rates for Complete car cover
TrustPilot3,6/5 based on more than 350 opinions
Consumer satisfaction rates on reviews for Complete car cover

To check if Complete car cover 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 Complete car cover car insurance policy

Complete Cover Group Insurance is a specialist insurance brokers that works with a number of some of the leading UK insurance companies to provide insurance covers to drivers who are considered high risk whether they have Zero No Claims Bonus, previous motor convictions, own modified or imported cars, etc.

Some of the underwriting insurance companies available under Complete Cover are Aviva, AXA, Cover, Broker Direct, Equity RedStar, Dual Starting, Oak Underwriting, Pukka, etc.

We would recommend this company to drivers with previous motor convictions who find it hard to find affordable insurance premiums and covers.

What does Complete car cover car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Complete car cover?

Car insurance policyAvailable at Complete car coverCoverage 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 Complete car cover

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

Main guarantees at Complete car cover explained in details

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

Breakdown cover at Complete car cover

Insure Your Motor’s Breakdown cover is provided by Mulsanne Insurance Company Ltd. They have 3 levels of breakdown cover:
UK Roadside Assistance Cover: this covers roadside assistance within the UK. If your vehicle cannot be fixed on the same day, you and your vehicle will be transported to a destination of your choice as long as it is within a 10 mile radius from the breakdown site. It also cover misfueling issues and would pay to get your tank flushed and refilled with the right type of fluid for Up to 10 litres
Motor Assistance UK: in addition to the benefits that come with the UK Roadside Assistance Cover, this cover includes the following benefits:

  • Breakdown assistance and recovery in your home address
  • Alternative travel in case you car cannot be fixed on the same day. This may include car hire or overnight accommodation
  • In the event you’re involved in a road accident that is more than 50 miles away from home, they will cover the cost of transporting your family members to visit you at the hospital
  • An alternative driver can be offered if you’re declared medically unfit to drive and are far away from home
  • Misfueling cover
    Motor Assistance UK & EU: in addition to all the benefits that come with Motor Assistance UK, this level of cover applies to breakdown incidents while traveling in the EU.

Keycare cover at Complete car cover

Up to £1500 for replacement of locks, locksmith charges, keys and immobilisers in the events of theft or loss.

Windscreen cover at Complete car cover

  • Up to £300 – £500 for replacement or repair of windscreen is available as a policy upgrade.
  • It covers glass windows and windscreen
  • Subject to excess of £50 if a replacement is done at an approved repairer and £100 if replacement is done at an unapproved repairer.

Motor legal protection at Complete car cover

Up to £100,000 to cover for legal costs and expenses when pursuing for compensation after an incident that wasn’t your fault.

Personal policy injury available at Complete car cover

Up to £30,000 each for policy holder, named drivers or any passengers in the vehicle that was seriously injured or killed due to a car accident regardless of whether the accident was your fault or not.

Coverage abroad at Complete car cover

Complete Cover Insurance offers cover for abroad travel with the maximum number of days and level of cover will vary depending on which insurer from the panel is underwriting the policy.

Courtesy car at Complete car cover

Hire vehicle for up to 21 days or money to cover transport regardless of whether the incident was your fault or not.

No-Claim Bonus (NCB) at Complete car cover

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. Complete Cover offers insurance policy to drivers who might have zero No Claims Bonus.

If the incident caused was not your fault and Complete Cover 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 Complete car cover, 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. 

Complete car cover car insurance terms and conditions

How much does Complete car cover car insurance cost?

You'll find below indicative car insurance quotes at Complete car cover:

Drivers'ageMonthly premium
18 years old£107,50
40 years old £44,33
60 years old£32,69
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Complete car cover 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 Complete car cover?

There is no specific discount apart from the No-Claim Bonus available at Complete Cover Insurance.

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!

Complete car cover car insurance policy summarized


At Complete car cover
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Varies
Limit- £500 - £1000
Personal belongings£100 - £2500
Audio equipment

Excess- Not stated
Limit - £300 - £1000

Medical expenses

£100 - £250

Liability limit for property damage£20,000,000 - £25,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

30 days to 90 days depending on insurer.

Guarantees at Complete car cover


At Complete car cover
Fire excessExcess- Varies
Limit- Not stated
Theft excessExcess- Varies
Limit- Not stated
Accidental damage excessNot stated
Windscreen replacement excessExcess- Not stated
Limit- Unlimited when using approved repairer, limit varies depending on the insurer if you're using unapproved repairer.
Young driver excess


Excess at Complete car cover

Admin fees

At Complete car cover
Interest charged by payment installments

Not Stated

Renewal fees


Cancellation fees

Cancellation fees during cooling off period : £50
Cancellation fees outside cooling off period : £125

Modification fees

Mid-Term Adjustment fee: £50

Admin fees at Complete car cover

Other car insurance policies available at Complete car cover

Complete car cover business car insurance

Cover for business car may be available provided you inform your insurer of your business use plans. In case of any change such as using your once personal car for business, you’re supposed to let them know as soon as possible.

Provided that your Certificate of Motor Insurance shows that you have the appropriate business use cover, your insurer will cover any cost or expenses your employer or business partner is legally liable for.

Complete car cover van insurance

Complete Cover Insurance works with their panel of leading insurers in the UK to provide van drivers with best possible van insurance covers.

They offer specialist van insurance such for the following:

  • Modified Vans
  • Imported Vans
  • New and Young Van Drivers
  • Self-Employed Van Drivers
  • Short-term Impounded Vans
  • Fleets and Multi Vans.

The levels of cover available would depend on the insurer that you choose. In addition to the main insurance cover, you can also choose to add any of the following for extra protection:

  • Motor Legal Cover
  • Breakdown Cover
  • Van Replacement Cover
  • Windscreen Cover
  • Tools in Transit Cover
  • Key Cover
  • Personal Accident
  • Excess Recovery.

How to contact Complete car cover auto insurance?

Complete car cover phone numbers 

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

Contact numberOpening hours

Customer Service

0344 557 0006

Monday to Friday: 9am to 10:30pm
Saturday: 9am to 6pm
Sunday: Closed
Bank Holidays: 10am to 4pm


0800 440 2482

Monday to Friday: 8:30am to 5pm

Claims (Car & Van)

0800 221 8627

Available 24/7

Claims (Private Hire)

0333 4000395

Available 24/7


01663 308 941

Available 24/7


033 34 009 245

Available 24/7

Contact numbers at Complete car cover

Complete car cover other contact details

You'll find below Complete car cover main contact details:

Contact details of Complete car cover
Email address

[email protected]

Customer account with Complete car cover login


Social mediaFacebook, Twitter
Contact details at Complete car cover

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

Elmbrook House
18-19 Station Road
TW16 6SU

How to cancel your car insurance at Complete car cover?

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

Complete car cover 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’.