Insure 2 drive Car Insurance Review
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This is the ultimate review to guide you through Insure 2 drive car insurance.
You might already know that Insure 2 drive 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 Insure 2 drive 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 Insure 2 drive car policy terms and conditions and given our own ratings based on different criteria.
4 Safe overall rating for Insure 2 drive
| Our rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
Fast and easy process of generating a quote online | |
| Cover provided |
3 levels of cover available: Comprehensive, Fire, Theft & Third Party and Third Party | |
| Value for money |
Reasonably priced premiums | |
| Financial strength for pay out |
Insure 2 Drive is one of the brands that belong to Sabre Insurance Company Limited that has been providing car and van insurance since 1982. | |
| Technology |
Easily accessible policy documents |
Expert and customer reviews on Insure 2 drive
We compiled expert and customer reviews from independent institutions, to give you an overall idea of Insure 2 drive's reputation.
| Review organisation | Consumer satisfaction rates for Insure 2 drive |
|---|---|
| Defaqto expert rating for Insure 2 drive |  |
| TrustPilot | 3,5/5 based on more than 130 opinions |
To check if Insure 2 drive 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 Insure 2 drive car insurance policy
This insurance company is suitable for people looking for simple single car or single van insurance covers that offer several benefits as standards.
Known for their reasonable prices, and excellent customer online portal as well as friendly and professional customer support, a stress-free car insurance experience is a guarantee.
As an important reminder, we would like to encourage you to always go through the policy documents and the T&C’s before you apply or register for any insurance policy in order to avoid high cancellation fees once you realize that you signed up for something you weren’t looking for.
What does Insure 2 drive car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at Insure 2 drive?
| Car insurance policy | Available at Insure 2 drive | 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 Insure 2 drive explained in details
Let's find out what does Insure 2 drive covers in its car insurance policy.
Breakdown cover at Insure 2 drive
Insure 2 Drive offers 5 levels of Breakdown Cover that is provided by RAC (An automative repair service that they’ve partnered with to carry out their Breakdown Services to clients):
- Roadside Cover: this covers breakdown services within the UK more than 1/4 mile from your home address. They don’t charge you any call-out fee.
- Roadside and Recovery Cover: this inlcudes roadside breakdown services within the UK a 1/4 mile from your home address, and local recovery of the vehicle and 8 passengers including the driver to a single destination.
- Roadside, Recovery and At Home Cover: this covers the benefits you get with Roadside and Recover Cover along with Breakdown assistance if your car breaks down at your home address or within 1/4 miles from your home address.
- Roaside, Recovery, At Home and Onward Travel: this covers all of the benefits that come with the Roadside, Recovery and At Home Cover as well as alternative transport or overnight accomodation should they not be able to repair your vehicle at the roadside.
Roadside, Recovery, At Home, Onward Travel and Europe: this cover consists of the benefits you get with the Roadside Recovery At Home and Onward Travel as well as breakdown assistance while traveling in Europe.
Keycare cover at Insure 2 drive
Up to £1500 (inclusive of VAT) for replacement and repair of keys and locks in case of loss of theft of keys.
Windscreen cover at Insure 2 drive
- Windscreen cover is included as standard in the Comprehensive policy.
- Also available as an optional extra cover
- Unlimited cover unless you get it repaired at a repairer that is not approved by the insurer. In that case, you’ll get a cover limited to £150
- Cover will be subject to excess as follows: £85 for replacement, £20 for repair.
Motor legal protection at Insure 2 drive
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 Insure 2 drive
Up to £25,000 per person and £175,000 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 Insure 2 drive
You’re expected to inform Insure 2 Drive about your travel plans in advance. After their consent, they’ll cover the minimum protection required by law. Once you’ve been consented to travel, you can visit any EU country and other European countries based 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) for a period of Up to 90 days.
No-Claim Bonus (NCB) at Insure 2 drive
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.
At an additional charge, you can choose to protect your NCB by taking out an NCB protection cover.
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 Insure Pink manages to recover the cost from the responsible party.
Claims on the following will not affect your NCB:
- 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.
- Incidents caused by an uninsured driver.
At Insure 2 drive, 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
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.
Insure 2 drive car insurance terms and conditions
How much does Insure 2 drive car insurance cost?
You'll find below indicative car insurance quotes at Insure 2 drive:
| Drivers'age | Monthly premium |
|---|---|
| 18 years old | £117,25 |
| 40 years old | £48,35 |
| 60 years old | £35,65 |
Costs of Insure 2 drive 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 Insure 2 drive?
The only discount currently available at Insure2drive is the NCD.
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!
Insure 2 drive car insurance policy summarized
Guarantees
| At Insure 2 drive | |
|---|---|
| NCB benefit | Yes |
| Uninsured driver NCB benefit | Yes |
| Loss or theft of keys | Not covered as standard |
| Personal belongings | £150 |
| Audio equipment | Excess- Not stated |
| Medical expenses | Excess- Not stated |
| Liability limit for property damage | £25,000,000 if your vehicle is a car £5,000,000 if your vehicle is a van |
| Legal expense | £100,000 |
| Courtesy car benefit | As standard with Comprehensive Policy not including vans. |
| Courtesy car cover | Duration of repair of your car. |
| Coverage abroad | 90 days |
Excess
| At Insure 2 drive | |
|---|---|
| Fire excess | Excess- Not Stated Limit- £250 (sign writing, advertisements, logos or specialised artwork), £1000 audio equipment, £100 child car seat, £150 personal belongings |
| Theft excess | Excess- Not Stated Limit- £250 (sign writing, advertisements, logos or specialised artwork), £1000 audio equipment, £100 child car seat, £150 personal belongings |
| Accidental damage excess | Excess- Not stated
Limit- Not stated |
| Windscreen replacement excess | Excess- Replacement £85, Repair £20 Limit- Unlimited if using approved repairer, £150 if not using approved repairer |
| Young driver excess | £50 - £200 |
Admin fees
| At Insure 2 drive | |
|---|---|
| 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):
Cancellation fee beyond 14 days (Cooling off Period):
|
| Modification fees | Amending policy: £25 |
Other car insurance policies available at Insure 2 drive
Insure 2 drive business car insurance
Business Use cover is included as standard provided you just use it for everyday commute to and from work. If you’re using your car constantly for business purposes such as driving to many places a day, you’ll be required to inform the company so that they can offer you the appropriate cover needed.
Insure 2 drive van insurance
Insure 2 Drive offers Van Insurance at 3 levels of covers:
Comprehensive Policy: The following come with this policy as standard:
- Unlimited cover for death or injury to Third Parties
- Up to £5,000,000 cover for Third Party’s damaged property or vehicles
- Up to £5,000 cover for personal accident
- Up to £100 cover for medical expenses for every passenger in the van including the driver
- Up to £150 cover for personal belongings
- Windscreen cover
- Unlimited Audio Equipment cover provided it is a standard fit. If not, then a limit of £1000 applies
- New vehicle replacement
- Courtesy car
- Uninsured driver cover
- NCB protection available.
Third Party, Fire and Theft Policy: The following come with this policy as standard:
- Unlimited cover for death or injury to Third Parties
- Up to £5,000,000 cover for Third Party’s damaged property or vehicles
- Unlimited Audio Equipment cover provided it is a standard fit. If not, then a limit of £1000 applies
- Damage caused by theft, fire or attempted theft
- NCB protection available.
Third Party Only Policy: The following come with this policy as standard:
- Unlimited cover for death or injury to Third Parties
- Up to £5,000,000 cover for Third Party’s damaged property or vehicles
- NCB protection available.
Apart from the basic covers, the following are available as extra options to add on to your insurance policy:
- RAC Breakdown
- Enhanced Personal Accident
- Key Cover
- Misfuelling
- Tool Cover (Available for vans only).
How to contact Insure 2 drive auto insurance?
Insure 2 drive phone numbers
You will find all important phone numbers to contact Insure 2 drive car insurance:
| Contact number | Opening hours | |
|---|---|---|
Customer service | 0330 024 4774 (Car Insurance) | Monday to Saturday: 8am to 8pm |
Claims | 0330 024 8048 (UK) | Available 24/7 |
Motor Legal Expense | 0208 844 8432 | Monday to Friday: 8am to 7pm |
RAC Breakdown | 0333 202 1867 | Available 24/7 |
Key Cover | 0330 123 2094 (New Key Claims) | New Claims- Available 24/7 |
Mis-Fuelling | 0330 123 2094 (New Claims) | Available 24/7 |
Insure 2 drive other contact details
You'll find below Insure 2 drive main contact details:
| Contact details of Insure 2 drive | |
|---|---|
| Email address | |
| Customer account with Insure 2 drive login | |
| Social media | no |
| Chatbot | No |
You can also contact them by mail by writing to Insure 2 drive car insurance:
Insure 2 Drive
St James House
27-43 Eastern Road
ROMFORD
RM1 3NH
How to cancel your car insurance at Insure 2 drive?
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, Insure 2 drive as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Insure 2 drive 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!
Insure 2 drive 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’.
