Got you covered Car Insurance Review
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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
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This is the ultimate review to guide you through Got you covered car insurance.
You might already know that Got you covered 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 Got you covered 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 Got you covered car policy terms and conditions and given our own ratings based on different criteria.
3 Safe overall rating for Got you covered
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
4.1/5 based on 190 reviews on Trustpilot | |
| Cover provided |
Insurance is provided for modified, imported and high-performance cars | |
| Value for money |
Affordable cover is offered to high risk drivers | |
| Financial strength for pay out | Got You Covered works with a panel of more than 15 of the UK’s leading insurers, including Ageas, AXA, ERS, LV-ABC, LV-Highway, Markerstudy, Octane, Tansar, Sabre and Zenith. It is also authorised and regulated by the Financial Conduct Authority. This gives it a high ability to pay out claims. | |
| Technology |
Availability of policy documents from other insurers |
Expert and customer reviews on Got you covered
We compiled expert and customer reviews from independent institutions, to give you an overall idea of Got you covered's reputation.
| Review organisation | Consumer satisfaction rates for Got you covered |
|---|---|
| TrustPilot | 4,1/5 based on 190 reviews |
To check if Got you covered 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.
Our review on Got you covered car insurance policy
Got you covered is a specialist insurance company that offers car, specialist car, van, motorbike, home and business insurance.
It caters to a range of non-standard drivers, such as young or convicted drivers as well as drivers with modified or imported cars. Got You Covered works with a panel of more than 15 of the UK’s leading insurers, some of which includes Ageas, AXA, ERS, LV-ABC, LV-Highway, Markerstudy, Octane, Tansar, Sabre and Zenith.
Three levels of covers are offered; Comprehensice, TPFT and Third Party only. Legal expenses, Personal accident cover and liability to others are offered on all three levels of cover. Optional extras like Breakdown cover, Enhanced personal accident cover, Motor excess protection, Guaranteed vehicle cover and Key cover are offered. Got you covered has a high review of 4.1 on TrustPilot.
The insurance company is recommended for customers who are in need of special insurance services.
What does Got you covered car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at Got you covered?
| Car insurance policy | Available at Got you covered | Coverage in a nutshell |
|---|---|---|
| Third-Party Only |
| |
| Third-Party Fire and Theft |
| |
| Comprehensive |
|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at Got you covered explained in details
Let's find out what does Got you covered covers in its car insurance policy.
Breakdown cover at Got you covered
The Breakdown cover provided by Got you covered is underwritten and administered by Strategic Insurance services and four levels of covers are offered. One of them comes as a standard while the other three can be added to an insurance policy at an additional cost. The cover levels are:
- Cover level A Roadside/Recovery up to 10 miles in the case of a breakdown, roadside recovery, alternative modes of transportation, overnight accommodation, message and call out services are offered
- Cover Level B Roadside/Recovery in addition to the benefits listed above, the driver’s vehicle can be delivered to his/her home after a breakdown
- Cover Level C Roadside/Recovery/Home in the case of a breakdown, the car can be recovered from the driver’s home
- Cover Level D Roadside/Recovery/Home/Europe breakdown services are provided in foreign countries also.
Keycare cover at Got you covered
The Keycare cover is covered by one of the insurers; Markerstudy and it is only available on the Comprehensive cover option.This cover is offered when the key is stolen and it is proven that the location of the car is known by the person who has the keys. The following is offered:
- Up to £300 to cover the costs of replacing the keys and locks.
Windscreen cover at Got you covered
This cover is underwritten by Markerstudy which is one of the insurers Got you covered works with. The cover option is only available on the Comprehensive cover and the following are offered:
- The cost of repair or replacement of broken glass windscreens or glass windows if the repair or replacement is carried out by an approved repairer.
- If an approved repairer is not used, the amount provided is limited to £75.
Motor legal protection at Got you covered
Got you covered offers Motor legal services and it offered on all three cover levels available. The cover option is underwritten and administered by Kindertons Accident Management and the sum of £50,000 is provided to cover the following:
- Personal Injury
- Uninsured Losses Recovery
- Motoring Criminal Prosecution
- Legal Helpline
Personal policy injury available at Got you covered
Markerstudy underwrites this cover option and the Personal accident cover is provided in the case that three months after the accident, the inuries sustained results in:
- death
- total irrecoverable loss of sight in one or both eyes
- loss of any limb.
The amount given in the case that the accident leads to death is £5,000 while the amount given in other cases is £2,000
Coverage abroad at Got you covered
Abroad coverage is available under the cover policies provided and this coverage allows the holders to travel through Europe for 30 days. The cover is available for use in
any member country of the EU and also Andorra, the Channel Islands, Gibraltar, Iceland, Liechtenstein, Monaco, Norway, San Marino and Switzerland
Courtesy car at Got you covered
This cover is underwritten and administered for Got you covered by Strategic Insurance services and they provide an hire car in the case that the driver’s vehicle is undergoing repairs. It is only available for drivers above the age of 21.
No-Claim Bonus (NCB) at Got you covered
The NCB will keep increasing every year provided the driver does not get involved in any incident that may require having to file a claim. No NCB rate is stated on the website or policy documents.
The no claims discount will not be affected if the only claims made are for a broken windscreen, window or sunroof glass or for replacement locks or keys provided an approved repairer is used.
At Got you covered, 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 5 years.
Good to know
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.
Got you covered car insurance terms and conditions
How much does Got you covered car insurance cost?
You'll find below indicative car insurance quotes at Got you covered:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £103,80 |
| 40 years old | £42,81 |
| 60 years old | £31,56 |
Costs of Got you covered 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.
Good to know
The higher risk you represent, the more expensive your policy will be.
Is there any promo codes or discounts available at Got you covered?
A discount is given to drivers who pay for their insurance beforehand. Alos, NCD is available.
| Discount types | Comment |
|---|---|
| Discounts | A discount is given to drivers who pay for their insurance at least 3 weeks beforehand |
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!
Got you covered car insurance policy summarized
Guarantees
| At Got you covered | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | Excess- Not stated Limit- Not stated |
| Personal belongings | £100 |
| Audio equipment | £300-£750 |
| Medical expenses | £200 |
| Liability limit for property damage | £20,000,000 |
| Legal expense | £50,000 |
| Courtesy car benefit | As standard |
| Courtesy car cover | Duration of repair |
| Coverage abroad | 30 days |
Excess
| At Got you covered | |
|---|---|
| Fire excess | Excess- Not stated Limit- Not stated |
| Theft excess | Excess- Not stated Limit- Not stated |
| Accidental damage excess | Excess- Not stated Limit- Not stated |
| Windscreen replacement excess | £75 |
| Young driver excess | £300 |
Admin fees
| At Got you covered | |
|---|---|
| Interest charged by payment installments | Not Stated |
| Renewal fees | £50 |
| Cancellation fees | Cancellation fees during cooling off period: £50 |
| Modification fees | Adjustment fee: £37.50 |
Other car insurance policies available at Got you covered
Got you covered classic car insurance
Insurance is not provided for classic cars. However, Got you covered collaborates with other insurers to provide insurance for high performing and prestige cars. The cover options and details of the insurance policy is determinant on the insurer chosen.
Got you covered van insurance
Got you covered offers Van insurance which is underwritten by Markerstudy and three levels of covers are offered; Comprehensive, Fire, Theft & Third Party and Third Party Only. The Comprehensive cover is the most detailed in this case and the following benefits are associated with it:
- Cover for injury to other people or damage to their property of vehicles
- Provision of Courtesy van
- Personal accident cover
- Personal belonging worth £100
- Medical expense cover worth £200.
How to contact Got you covered auto insurance?
Got you covered phone numbers
You will find all important phone numbers to contact Got you covered car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer Service free phone | 0330 124 6290 | Monday – Thursday: 8:30am-7:30pm |
Customer Service local number | 0203 890 5160 | Monday – Thursday: 8:30am-7:30pm |
Direct Debit | 0333 321 8566 | Monday – Thursday: 8:30am-7:30pm |
Cancellations | 020 3890 5160 | Monday – Thursday: 8:30am-7:30pm |
Got you covered other contact details
You'll find below Got you covered main contact details:
| Contact details of Got you covered | |
|---|---|
| Email address | |
| Customer account with Got you covered login | no |
| Social media | Facebook,Twitte Instagram, LinkedIn |
| Chatbot | No |
You can also contact them by mail by writing to Got you covered car insurance:
Got You Covered Limited
94 – 102 High Street
Hampton Hill
Hampton
TW12 1NY
How to cancel your car insurance at Got you covered?
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, Got you covered as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Got you covered 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.
Watch out!
Got you covered 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’.
