Go Girl Car Insurance Review

antoine fruchard Antoine Fruchard  updated on July 31, 2020

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

You might already know that Go Girl 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;

and tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Go Girl 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 Go Girl car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Go Girl

Our ratingOur opinion
Customer service & satisfaction

Customer service available 24/7 for claims, in an event of a mis-fuel and for RAC breakdown (Automotive Services Company selected by Go Girl to offer road side assistance to its clients)
No live chat feature available
Hidden fees that are not declared upfront when signing up for a policy

Cover provided

Go Girl’s services have been specifically designed to benefit women (insurance covering things such child car seats and handbags). Another good thing about it is that it can also be used by men.
Several optional extra coverages available in addition to the three main covers
Covers for driving abroad in EU countries and non EU countries provided
Motor legal protection as standard

Value for money

Competitive prices for good covers
High cancellation fee
Hidden fees that are not declared upfront when signing up for a policy

Financial strength for pay out

Go Girl is one of the three insurers that belong to Sabre Insurance that has been selling insurance since 1982 therefore, their ability to pay out claims is very high.

Technology

User friendly website
Exceptional online portal and easy access to all of your documents
Fast and effective online application and registration
No use of telematics system in any of their covers

Safe rating for Go Girl

Expert and customer reviews on Go Girl

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

Review organisationConsumer satisfaction rates for Go Girl
Defaqto expert rating for Go Girl defaqto 3 stars 1
TrustPilot3,5/5 based on 497 opinions
Consumer satisfaction rates on reviews for Go Girl

To check if Go Girl 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 Go Girl car insurance policy

Go Girl Insurance offer good insurance policies at competitive prices. The company has gone a step further by providing other benefits such as a free child car seat, and handbag cover for their female drivers.

This company might be suitable for new drivers who are looking for insurance companies that don’t need you to have a telematics system installed in your car. It is also extremely suitable for female drivers due to the various benefits they offer as standard.

An important thing to keep in mind, is to always ask for every fee upfront before signing with them so as to avoid disappointments later on.

What does Go Girl car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Go Girl?

Car insurance policyAvailable at Go GirlCoverage 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 Go Girl

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

Main guarantees at Go Girl explained in details

Let’s find out what does Go Girl covers in its car insurance policy.

Breakdown cover at Go Girl

Go Girl has partnered with RAC (Automotive Services Company selected by Go Girl to offer road side assistance to its clients) to offer the following levels of Breakdown Cover:

  • RAC Roadside: this covers roadside assistance that is 1/4 mile or more away from your home address and includes towing services of 10 miles away from the breakdown to your home or to an approved garage in case the car cannot be fixed on the roadside.
  • Home Start: this covers breakdown assistance at your home address or at the roadside and also includes towing services of up to 10 miles from the breakdown to an approved garage or to your home in case the car cannot be fixed on the roadside.
  • Recovery: this covers breakdown assistance either at your home or at the roadside. It includes recovery of 8 people including the driver and the vehicle to any destination in the UK if the vehicle cannot be fixed. It also has a towing service of up to 10 miles.
  • Onward Travel: apart from breakdown assistance at your home or at the roadside, recovery of 8 people including the driver and the vehicle to any destination in the UK if the vehicle cannot be fixed and a towing service of up to 10 miles from breakdown, you are also offered the following in case your car cannot be fixed at the roadside:
    • Replacement car for hire for 2 consecutive days while your car is being fixed (This applies to people over the age of 21 only)
    • Reimbursement of other means of transport taken such as rail, air, or any other public transport (Up to £150 per person or a total of £500 per group)
    • A night’s accommodation at a Bed&Breakfast for upto 8 people including the driver
    • Medical assistance if a member of the group is taken to hospital 20 miles from home.

Europe: This included all the benefits that come with RAC Roadside Cover, Homestart Cover, Recovery Cover and Onward Travel Cover. In addition to that, it also comes with the following:

  • Temporary car replacement
  • Additional expenses for accommodation
  • Return home or continuation of journey
  • Replacement driver in case you’re ill or injured and are unfit to drive
  • Loss of tent of accidental damage
  • Urgent message service
  • Customs claims indemnity.

On return home, you’re covered with the following:

  • Collection of car that was left abroad to be repaired
  • Replacement car (Covering up to £250 per claim)
  • Cover of legal costs of up to £50,000
  • Loss of NCD

Number of call-outs:

  • Limited number of callouts: 3 call-outs per policy year
  • One call-out per journey which is limited to a maximum of 90 days if its European with an overall limit of £2500 per call-out.

Keycare cover at Go Girl

  • Up to £1500 cover per policy period that covers home, office, vehicle keys and locks that may be lost, damaged, stolen or if you are accidentally locked inside your home, office or vehicle.
  • Reprogramming of immobilisers, alarms and office safe keys also included.
  • If you’re stranded away from home, the policy covers up to £75 per day for 3 days for vehicle hire or other means of transportation.

Windscreen cover at Go Girl

  • Windscreen cover is available as part of the Comprehensive Policy only.
  • It covers repair or replacement of windscreen and windows only including costs and repair of scratches that may be caused during body work.
  • Claim on windscreen will not affect your No-Claim Bonus.

Motor legal protection at Go Girl

Up to £100,000 of legal costs in case you are involved in an accident that is not your fault.

Personal policy injury available at Go Girl

Up to £25,000 per person and £125,000 per incident that covers you, your partner, and any other passengers that were injured or died in the event of an accident.

Coverage abroad at Go Girl

Go Girl Insurance offers cover for travel in EU countries provided you let them know of your travel plans in advance.

Due to Brexit, it is important to note that you’re required to have a Green Card as well as a Certificate of Motor Insurance when traveling. You’ll have to carry the original copy of your Green Card-photocopies are not allowed.

No-Claim Bonus (NCB) at Go Girl

You can use an existing NCB from a previous insurer when signing up for a new Go Girl Policy provided that you send them a copy of proof from your previous insurer 14 days before your Go Girl Policy is active. The NCB must have been earned on a private or commercial vehicle policy in an EU country within the last 2 years. It is also important to note that the NCB should not be in use in any other policy.

For every year you drive without making any claims, your NCB rate is increased which lower your renewal premium payment.

If you’re involved in an accident that was your fault, your NCB will be affected. If the accident wasn’t your fault, your NCB will not be affected provided that Go Girl manages to recover the cost from the responsible party.

Claims on the following will not affect your NCB:

  • If you or your named driver is involved in an accident with an uninsured driver
  • Windscreen cover repair or replacement. (Note: Does not involve sunroofs or glassroofs)
  • Emergency treatment fees on road side in case of injury during an accident.

At Go Girl, 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 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. 

Go Girl car insurance terms and conditions

How much does Go Girl car insurance cost?

You’ll find below indicative car insurance quotes at Go Girl:

Drivers’ageMonthly premium
18 years old£109,86
40 years old £45,30
60 years old£33,41
Quotes above are for a comprehensive car insurance – eco car, clean record driver, Liverpool

Costs of Go Girl 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 Go Girl?

There is no specific discount apart from the No-Claim Bonus available at Go Girl.

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!

Go Girl car insurance policy summarized

Guarantees

At Go Girl
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1500 as a standard
Personal belongings£150 – £200 for comprehensive cover
Audio equipment

Excess- Not stated
Limit- Not stated

Medical expenses

Excess- Not Stated
Limit-£100

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

As standard as long as your vehicle is not a van

Courtesy car cover

Duration of number of days it takes for your vehicle to be repaired. If you incurred a total loss of your vehicle, you will not be elligible for a courtesy car.

Coverage abroad

90 days

Guarantees at Go Girl

Excess

At Go Girl
Fire excessExcess- Not Stated
Limit- £100 (child car seat)
Theft excessExcess- Not stated
Limit- £100(child car seat)
Accidental damage excessNot stated
Windscreen replacement excess£20 – £85
Young driver excess

£50 – £200

Excess at Go Girl

Admin fees

At Go Girl
Interest charged by payment installments

APR of 24.9%

Renewal fees

£0

Cancellation fees

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

  • They will deduct £45 plus the number of days the policy covered from the premium before refunding it to you provided you did not have any claims during that period
  • Any additional products purchased such as Breakdown Cover will be fully refunded provided you did not have any claims.

Cancellation fee beyond 14 days (Cooling off Period):

  • They will deduct a percentage of fee from your premium depending on the number of days they covered. The percentages are as follows:
    Up to 1 month: 20%
    Up to 2 months: 28%
    Up to 3 months: 36%
    Up to 4 months: 44%
    Up to 5 months: 52%
    Up to 6 months: 60%
    Up to 7 months: 68%
    Up to 8 months: 76%
    Up to 9 months: 84%
    Up to 10 months: 92%
    Above 10 months: 100%
  • If the premium was paid fully by either debit or credit, an additional fee of £25 will be deducted.
Modification fees

Amending policy: £25

Admin fees at Go Girl

Other car insurance policies available at Go Girl

Go Girl business car insurance

Go Girl can add Business Use on your policy if you or an additional driver has changed their occupation to business provided you let them know.

Go Girl van insurance

Go Girl offers insurance for small vans.

In case of an incident, you will not get a courtesy car even if you have a comprehensive policy if your vehicle is a van. They also will not replace your van in case of total loss or damage.

How to contact Go Girl auto insurance?

Go Girl phone numbers 

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

Contact numberOpening hours

Customer service

0330 024 4747

Monday to Saturday: 8am-8pm
Sunday: 11am-4pm

Make a claim

0330 024 8050
44 1306 747 509 (Making claim from Abroad)

Available 24/7

Breakdown Assistance

0333 202 1867

Available 24/7

Motor Legal Expenses Insurance

0208 487 0597

Monday to Friday: 8am-8pm
Saturday: 9am-4pm
Sunday: 10am-4pm

Key Cover

0330 123 2094 (Claims Notification)
0330 102 8684 (Claims reimbursement
queries)

Available 24/7

Enhanced Personal Accident Cover

0330 102 8685

Monday to Friday: 9am-5pm

Contact numbers at Go Girl

Go Girl other contact details

You’ll find below Go Girl main contact details:

Contact details of Go Girl
Email address

[email protected]

Customer account with Go Girl login

[My Account](https://gogirl.opencustomerportal.co.uk/view/index.jsp”;”Go Girl Online Customer Portal)

Social mediaTwitter, Facebook, Instagram
ChatbotNo
Contact details at Go Girl

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

Go Girl
St James House, 27-43 Eastern Rd,
Romford RM1 3NH,
United Kingdom

How to cancel your car insurance at Go Girl?

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

Go Girl 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’.