Go Skippy Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

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

4 Safe overall rating for Go Skippy

Our ratingOur opinion
Customer service & satisfaction

4.3/5 based on 7,535 opinions on TrustPilot
Good customer service offered
Availability of important documents needed

Cover provided

Keycare cover of up to £1000 provided as an optional extra on the comprehensive policy
14 days courtesy car is provided as a standard on the comprehensive cover
Misfuelling cover is provided as an optional extra on the comprehensive policy

Value for money

The services offered are cheap and affordable
Adjustment fees are charged before and during the policy
An admin fee of £10 is charged at the beginning of the policy

Financial strength for pay out

GoSkippy works with a panel of different car insurers, including Allianz, Aviva, AXA, Covea, Hawkwell, Octane, Southern Rock, and Watford Insurance to povide insurance services. It is also authorised by Financial Conduct Authority and this facilitates the high ability to lay out claims.

Technology

User experience on the website well thought as the website can be easily navigated
All the information can be found on the home page
Presence of live bot to answer questions
No telematics insurance cover

Safe rating for Go Skippy

Expert and customer reviews on Go Skippy

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

Review organisationConsumer satisfaction rates for Go Skippy
Defaqto expert rating for Go Skippy defaqto 5 stars
TrustPilot4,3/5 based on 7,535 opinions
Consumer satisfaction rates on reviews for Go Skippy

To check if Go Skippy 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 Skippy car insurance policy

GoSkippy Insurance is a broker that works with many insurers to offer car, van, motorbike, home and travel insurance. Its target market are young drivers and the focalpoint of the brand is to provide affordable and cheap insurance services to their customers. Go Skippy partners with different insurers like Allianz, Ageas, AXA and Equity Red Star.
The three levels of covers are offered and their customer service is very good. It has a five star rating from Defaqto and the information provided on the website is very well detailed and informative.

Their services are recommended especially for drivers looking for cheap insurance.

What does Go Skippy car insurance policy cover?

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

Car insurance policyAvailable at Go SkippyCoverage 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 Skippy

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

Main guarantees at Go Skippy explained in details

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

Breakdown cover at Go Skippy

Go Skippy provides breakdown cover as an optional extra and it comes in four levels:

  • Roadside assistance and Recovery this includes 24/7 roadside repair and recovery to a garage or anywhere the driver specifies. It costs £58.99 per annum
  • RAC Full UK Breakdown which includes roadside assistance, onward travel, local and UK vehicle recovery. Replacement vehiles are provided in the case that the car cannot be repaired. It cost £92.99 per year
  • RAC Full UK & EU Breakdown this includes roadside assistance, onward travel, local and UK vehicle recovery, home assistance and roadside assistance in Europe. It comes with a 14 day car hire service and transportation of the broken down vehickle back to the UK. It costs £118.99 every now

Keycare cover at Go Skippy

Go Skippy offers Keycare cover for just £16.99 a year, and it provides £500 worth of cover which covers the following:

  • locksmith charges
  • cost of replacement locks and keys
  • £75 per day in the case that the driver is stranded as a result of the misplaced or stolen key.

Windscreen cover at Go Skippy

Windscreen cover is provided by Go Skippy for £33.99 per year. This insurance cover is included as a standard with the comprehensive cover and 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.

Motor legal protection at Go Skippy

Go Skippy’s Motor Legal Protection cover costs £25.99 and it includes the following:

  • £100,000 to provide for uninsured loss recovery
  • Provision of cover for legal expenses
  • 24/7 Motor Legal Helpline.

Personal policy injury available at Go Skippy

Go Skippy provides Personal Accident cover and the following are offered:

  • £30,000 in the case of an accident which results to the death, permanent disablement of either the driver or his/her partner
  • £100 for each day spent in the hospital.

Coverage abroad at Go Skippy

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 Go Skippy

No car hire option is provided. However, a courtesy car cover option is provided by Go Skippy at the rate of £33.99 per year and with this cover, there will be a provision for a repalcement vehicle for 14 days. This cover is provided when the car has been stolen or written off or undergoing repairs. A 24 hours helpline is available with this cover option.

No-Claim Bonus (NCB) at Go Skippy

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

No claim discount is not given for policies running for less than twelve months.

At Go Skippy, 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): 1 claim in 1 year.

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 Skippy car insurance terms and conditions

How much does Go Skippy car insurance cost?

You'll find below indicative car insurance quotes at Go Skippy:

Drivers'ageMonthly premium
18 years old£105,85
40 years old £43,65
60 years old£32,19
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Go Skippy 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 Skippy?

No cashback vouchers are available. However, there is a No Claim Bonus available to 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!

Go Skippy car insurance policy summarized

Guarantees

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

Not Stated

Medical expenses

£100

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

Optional

Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Go Skippy

Excess

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

£300

Excess at Go Skippy

Admin fees

At Go Skippy
Interest charged by payment installments

20.50%

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period : £35
Cancellation fees outside cooling off period : £75

Modification fees

Adjustment fee: £35 for changes made online

Admin fees at Go Skippy

Other car insurance policies available at Go Skippy

Go Skippy van insurance

Go Skippy offers van insurance however, the van insurance is only available for personal use. The Comprehensive cover, TPFT and Provisional covers are provided. The Comprehensive cover includes:

  • Insurance against fire, theft, accidents
  • Legal liability to third parties
  • Vandalism cover.

Optional extras are also offered like:

  • Misfuelling cover
  • Optional tool cover.

How to contact Go Skippy auto insurance?

Go Skippy phone numbers 

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

Contact numberOpening hours

Customer Service

0344 840 6302

Monday – Thursday, 9am – 8pm,
Friday, 9am – 7pm
Saturday – Sunday, 9am – 6pm

Sales

0344 840 6300

Monday – Thursday, 9am – 8pm,
Friday, 9am – 7pm
Saturday – Sunday, 9am – 6pm

Renewal

0344 840 6301

Monday – Thursday, 9am – 8pm,
Friday, 9am – 7pm
Saturday – Sunday, 9am – 6pm

Claims

0344 840 9503

Monday – Friday 8am – 6pm
Saturday, 9am – 1pm

Van insurance

0344 776 5308

Monday – Thursday, 9am – 8pm,
Friday, 9am – 7pm
Saturday – Sunday, 9am – 6pm

Van renewal policy

0344 776 5314

Monday – Thursday, 9am – 8pm,
Friday, 9am – 7pm
Saturday 9am – 6pm
Sunday 9am – 3pm

Contact numbers at Go Skippy

Go Skippy other contact details

You'll find below Go Skippy main contact details:

Contact details of Go Skippy
Email address

[email protected]

Customer account with Go Skippy login

My account

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Go Skippy

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

Go Skippy Car Insurance
Lysander House
BS10 7TQ
Bristol
United Kingdom

How to cancel your car insurance at Go Skippy?

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 Skippy 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 Skippy 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 Skippy 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’.