Coverbox Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

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

3 Safe overall rating for Coverbox

Our ratingOur opinion
Customer service & satisfaction

Fast and easy process of generating quotes online
No live chat feature available
Low customer satisfaction rate on Trust Pilot
Slow and tedious claim process
Bad reviews on black box insurance

Cover provided

Their cover includes a black box that uses telematics system to record and analyze the driver’s skills
Up to 90 days European travel cover
Windscreen cover included as standard
Courtesy car available as standard
Level of cover available is Comprehensive only
No wide range of covers available

Value for money

Slighly cheaper premiums than other telematics insurance companies
High cancellation fee of £65
Unjustified hidden fees
High renewal fees of £95

Financial strength for pay out

Coverbox is underwritten by a panel of some of the leading insurers in UK which gives it its high ability to pay out claims. Coverbox now goes by the name of Be Wiser Insurance after its administration was taken over.

Technology

User friendly website
Protection against theft due to tracking technology in the black box
Online portal tends to crash a lot
Black box is prone to error

Safe rating for Coverbox

Expert and customer reviews on Coverbox

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

Review organisationConsumer satisfaction rates for Coverbox
TrustPilot2/5 based on more than 30 opinions
Consumer satisfaction rates on reviews for Coverbox

To check if Coverbox 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 Coverbox car insurance policy

Coverbox Insurance is now a part of Be Wiser Insurance offering comprehensive telematics insurance covers.

Due to their low customer satisfaction rate, we would recommend whoever is looking to get a comprehensive telematics car insurance to consider Acorn Insurance due to their high customer satisfaction rate and reliability.

What does Coverbox car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Coverbox?

Car insurance policyAvailable at CoverboxCoverage 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 Coverbox

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

Main guarantees at Coverbox explained in details

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

Breakdown cover at Coverbox

Coverbox offers 3 levels of breakdown covers through their partners, RAC:
Roadside Assistance: this covers comes included as a basic breakdown cover in the telematics insurance policy offered by Coverbox. It covers roadside assistance if you face a breakdown 1/4 mile away from your home address. If they can’t repair your vehicle on the roadside, they’ll transport you, your vehicle and the passengers onboard to any destination of your choice provided it is within a 10 mile radius from the breakdown site. It also cover mis-fuelling by cleaning and flushing your tank and fill it with 10 litres of the correct fuel.
RAC Roadside, Recovery, Home & Onward Travel (Optional Extra): this covers the benefits that come with Roadside Assistance Breakdown Cover as well as Breakdown assistance if your car breaks down at your home address or within 1/4 miles from your home address. It also covers alternative transport or overnight accommodation in case your vehicle could not be repaired right there and then.
RAC European Motoring Assistance (Optional Extra): this covers all the benefits that come with the RAC Roadside, Recovery, Home and Onward Travel in the UK and Europe.

Keycare cover at Coverbox

£400 – £1,500 for replacements of keys and locks in the event of loss or theft as well as locksmith charges (amount of limit depends on insurance company that covers you).

Windscreen cover at Coverbox

  • Windscreen cover may vary from policy to policy offered.
  • Cover offered for windscreen repair or replacement is unlimited unless you opt to get it fixed at a repairer they don’t approve of. In that case, they’ll only cover for up to a maximum of £100 – £150.
  • The windscreen cover is available as a standard in the telematics insurance that they offer.

Motor legal protection at Coverbox

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 Coverbox

£2,500 to £15,000 per person if you or your spouse were involved in an accident that resulted in death, permanent loss of a limb or loss of sight in one of both eyes (the value of this cover varies according to the insurer).

Coverage abroad at Coverbox

Coverbox offers Third Party cover when traveling abroad up to a maximum of 90 days.

The cover applies to traveling in EU countries and other European countries that the Commission of the European Union approves as meeting the requirements of Article 8 of the European Union Directive on Insurance and Civil Liabilities arising from the use of motor vehicles (No.2009/103/EC).

No-Claim Bonus (NCB) at Coverbox

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. You can also opt for an NCB protection cover at an additional charge.

quick presentation of the black box insurance offered by the car insurance company

At Coverbox, 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 claims in 3 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. 

Coverbox car insurance terms and conditions

How much does Coverbox car insurance cost?

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

Drivers'ageMonthly premium
18 years old£115,61
40 years old £47,67
60 years old£35,15
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Coverbox 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 Coverbox?

Apart from NCD, you can also get more discounts on your premium based on your driving skills that will be recorded and analysed by the telematics black box. The better your driving score, the higher the discount you'll be entitled to.

Discount typesComment
DiscountsCoverbox offers employee discounts. Amounts are not stated.
Discounts and cashbacks available at Coverbox

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!

Coverbox car insurance policy summarized

Guarantees

At Coverbox
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Not stated
Limit- £400 - £500 as standard
Personal belongings£100
Audio equipment

Excess- Not stated
Limit- £500

Medical expenses

Excess- Not stated
Limit- £100 - £200

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

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

90 days

Guarantees at Coverbox

Excess

At Coverbox
Fire excessExcess- Not stated
Limit- £250 for child car seat
Theft excessExcess- Not stated
Limit- £250 for child car seat
Accidental damage excessExcess- Not stated
Limit- Not stated
Windscreen replacement excessExcess - £10 - £60
Limit- £100 if you used a non-approved repairer
Young driver excess

£150 - £250

Excess at Coverbox

Admin fees

At Coverbox
Interest charged by payment installments

Not Stated

Renewal fees

£95

Cancellation fees

Cancellation fee within 14 days after purchase of policy (Cooling off Period): £65
Cancellation fee beyond 14 days (Cooling off Period): £65

Modification fees

Mid-Term Adjustment fee: £35

Admin fees at Coverbox

Other car insurance policies available at Coverbox

Coverbox multi-car insurance

no

Coverbox black-box insurance

Coverbox’s insurance policy is a comprehensive Black Box Cover. The black box uses telematics to analyze driving habits such as speed, braking, cornering and acceleration and creates a report which determines the price of the premium you’ll be charged during renewals. The better your driving score is, the lower prices you’ll get on your premium.

In addition to its ability to track driving habits, the black box also has a GPS technology allowing it to track the vehicle. This acts as extra protection against theft.

Coverbox business car insurance

Cover for business car may be available provided you inform them. In case of any change such as using your once personal car for business (which may mean commuting to and from work) , you’re supposed to let them know as soon as possible.

How to contact Coverbox auto insurance?

Coverbox phone numbers 

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

Contact numberOpening hours

Customer service

0800 990 3133

Monday to Friday: 8am to 6:30pm

Complaints

0800 990 3131

Monday to Friday: 8am to 6:30pm

Renewals

0800 990 3131

Monday to Friday: 8am to 6:30pm

Breakdown

0800 887 766

Available 24/7

Windscreen

0800 174764 (Ageas Glass Line)

Available 24/7

Breakdown

0333 999 0833

Not Stated

Contact numbers at Coverbox

Coverbox other contact details

You'll find below Coverbox main contact details:

Contact details of Coverbox
Email address

[email protected]

Customer account with Coverbox login

My account

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Coverbox

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

Drive Wiser
Be Wiser Insurance Services Ltd
Barrett House
Savoy Close
Andover
Hampshire
SP10 2HZ

How to cancel your car insurance at Coverbox?

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

Coverbox 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’.