Got you covered Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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 ratingOur opinion
Customer service & satisfaction

4.1/5 based on 190 reviews on Trustpilot
24/7 Claims helpline
Got you covered works with insurers like Axa, Ageas, Zurich, Aviva, Markerstudy, Highway, Towergate insurance, Zenith, Sabre insurance
No live chat option is available

Cover provided

Insurance is provided for modified, imported and high-performance cars
There are a wide range of insurance services offered based on the insurance company selected
Got you covered works with high insurers like Zenith, Axa, Ageas and many others
Insurance is offered for convicted drivers and also drivers with little or zero No Claims Bonus
Telematics insurance is not offered
Foreign use cover is limited to 30 days

Value for money

Affordable cover is offered to high risk drivers
Got you covered allows payments in monthly installments
High admin fees of £37.50
The cancellation fee during and after the first 14 days costs £50
Policy renewal costs £50

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
No live chat option is available
No use of technological advancements like Black box, Mobile app
Little or no available information about Got me covered on the website
Online quotes are not supported

Safe rating for Got you covered

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 organisationConsumer satisfaction rates for Got you covered
TrustPilot4,1/5 based on 190 reviews
Consumer satisfaction rates on reviews for Got you covered

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.

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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 policyAvailable at Got you coveredCoverage 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 Got you covered

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.

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'ageMonthly premium
18 years old£103,80
40 years old £42,81
60 years old£31,56
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

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.

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 typesComment
DiscountsA discount is given to drivers who pay for their insurance at least 3 weeks beforehand
Discounts and cashbacks available at Got you covered

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 benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- 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

Guarantees at Got you covered

Excess

At Got you covered
Fire excessExcess- Not stated
Limit- Not stated
Theft excessExcess- Not stated
Limit- Not stated
Accidental damage excessExcess- Not stated
Limit- Not stated
Windscreen replacement excess£75
Young driver excess

£300

Excess at Got you covered

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
Cancellation fees outside cooling off period: £50

Modification fees

Adjustment fee: £37.50

Admin fees at Got you covered

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 numberOpening hours

Customer Service free phone

0330 124 6290

Monday – Thursday: 8:30am-7:30pm
Friday: 8:30am-6:30pm
Saturday: 9:00am-2:00pm
Sunday: Closed

Customer Service local number

0203 890 5160

Monday – Thursday: 8:30am-7:30pm
Friday: 8:30am-6:30pm
Saturday: 9:00am-2:00pm
Sunday: Closed

Direct Debit

0333 321 8566

Monday – Thursday: 8:30am-7:30pm
Friday: 8:30am-6:30pm
Saturday: 9:00am-2:00pm
Sunday: Closed

Cancellations

020 3890 5160

Monday – Thursday: 8:30am-7:30pm
Friday: 8:30am-6:30pm
Saturday: 9:00am-2:00pm
Sunday: Closed

Contact numbers at Got you covered

Got you covered other contact details

You'll find below Got you covered main contact details:

Contact details of Got you covered
Email address

[email protected]

Customer account with Got you covered login

no

Social mediaFacebook,Twitte Instagram, LinkedIn
ChatbotNo
Contact details at Got you covered

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.

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’.