Insure 2 drive Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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 ratingOur opinion
Customer service & satisfaction

Fast and easy process of generating a quote online
All policy wording documents readily available in the website
High customer satisfaction rate on reviews.co.uk
Lack of live chat feature

Cover provided

3 levels of cover available: Comprehensive, Fire, Theft & Third Party and Third Party
Legal cover of up to £1000 included as standard across all 3 levels of cover
Up to 90 days cover for travel abroad for car insurance and Up to 28 days of abroad traveling for van insurance included as standard across all 3 levels of cover
Wide range of optional extra covers available
Comprehensive level of cover comes with many benefits included as standard
No black box insurance

Value for money

Reasonably priced premiums
No renewal fee
NCB discount available
High cancellation fee of £45 plus percentage of premium for the days covered

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.
Company is regulated by the Financial Conduct Authority and the Prudential Regulation Authority therefore, their ability to pay out claims is very high.

Technology

Easily accessible policy documents
User friendly website with every information you need readily available
It’s an online insurance company. The entire application and registration process is done online
Functional online portal
Does not offer black box insurance

Safe rating for Insure 2 drive

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 organisationConsumer satisfaction rates for Insure 2 drive
Defaqto expert rating for Insure 2 drive defaqto 3 stars 1
TrustPilot3,5/5 based on more than 130 opinions
Consumer satisfaction rates on reviews for Insure 2 drive

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.

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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 policyAvailable at Insure 2 driveCoverage 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 Insure 2 drive

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

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'ageMonthly premium
18 years old£117,25
40 years old £48,35
60 years old£35,65
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

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.

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 benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysNot covered as standard
Personal belongings£150
Audio equipment

Excess- Not stated
Limit- £1000

Medical expenses

Excess- Not stated
Limit - £100

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

Guarantees at Insure 2 drive

Excess

At Insure 2 drive
Fire excessExcess- Not Stated
Limit- £250 (sign writing, advertisements, logos or specialised
artwork), £1000 audio equipment, £100 child car seat, £150 personal belongings
Theft excessExcess- Not Stated
Limit- £250 (sign writing, advertisements, logos or specialised
artwork), £1000 audio equipment, £100 child car seat, £150 personal belongings
Accidental damage excessExcess- Not stated
Limit- Not stated
Windscreen replacement excessExcess- Replacement £85, Repair £20
Limit- Unlimited if using approved repairer, £150 if not using approved repairer
Young driver excess

£50 - £200

Excess at Insure 2 drive

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):

  • 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 Insure 2 drive

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 numberOpening hours

Customer service

0330 024 4774 (Car Insurance)
0333 241 4343 (Van Insurance)

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

Claims

0330 024 8048 (UK)
44 1306 747 394 (Europe)

Available 24/7

Motor Legal Expense

0208 844 8432

Monday to Friday: 8am to 7pm
Saturday: 9am to 4pm
Bank Holidays: 10am to 4pm

RAC Breakdown

0333 202 1867

Available 24/7

Key Cover

0330 123 2094 (New Key Claims)
0330 102 8684 (Reimbursement Queries)

New Claims- Available 24/7
Existing Claims- 9am to 5pm

Mis-Fuelling

0330 123 2094 (New Claims)
0330 102 8684 (Existing Claims)

Available 24/7

Contact numbers at Insure 2 drive

Insure 2 drive other contact details

You'll find below Insure 2 drive main contact details:

Contact details of Insure 2 drive
Email address

[email protected]

Customer account with Insure 2 drive login

My account

Social mediano
ChatbotNo
Contact details at Insure 2 drive

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.

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’.