Insure the box Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Insure the box car insurance.

You might already know that Insure the box 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 the box 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 the box car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Insure the box

Our ratingOur opinion
Customer service & satisfaction

Quick and effortless quote generation process done online
Availability of live chat feature
Accessible policy documents on the website
Low customer satisfaction rate on Trust Pilot and reviews.co.uk
Long and tedious claim process
According to customer reviews, their customer service personnel are rude and unprofessional

Cover provided

Offer black box insurance
They don’t impose curfews or fines for driving at night
Windscreen cover and legal cost cover of up to £100,000 available as standard
Minimum cover for up to 90 days for travel to across Europe
Level of cover available is comprehensive only
No wide range of covers to choose from and limited number of additional options (black box only)

Value for money

Cheap premium price
No renewal fee
No-Claim Discount available
Discount on premium based on your driving skills
High cancellation fees of £30 – £80

Financial strength for pay out

Insure the Box is a member of the Financial Services Compensation Scheme (FSCS). FSCS is will step in should Insure the Box fail to compensate you accordingly.

Technology

User friendly website
Live chat feature available
Black box insurance
Black box can track your vehicle in case of theft
Black box can sense strong impact on the vehicle in case of an accident and would send an accident alert message to the insurance company
Information on the customer portal take long to be updated

Safe rating for Insure the box

Expert and customer reviews on Insure the box

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

Review organisationConsumer satisfaction rates for Insure the box
Defaqto expert rating for Insure the box defaqto 3 stars 1
TrustPilot1,7/5 based on more than 210 opinions
Consumer satisfaction rates on reviews for Insure the box

To check if Insure the box 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 the box car insurance policy

Insure the Box offers a comprehensive level of cover for Black Box Insurance which is the only insurance product that they offer.

We would advise you to go through the policy documents and T&C’s document carefully so as to understand what you’re covered for and what you’re not covered for in order to avoid disappointment future.

What does Insure the box car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Insure the box?

Car insurance policyAvailable at Insure the boxCoverage 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 the box

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

Main guarantees at Insure the box explained in details

Let's find out what does Insure the box covers in its car insurance policy.

Breakdown cover at Insure the box

Insure the Box offers 3 levels of Breakdown Cover:
Level 1- National Cover: this breakdown cover comes with the following benefits:

  • Up to an hour of assistance on the roadside in case of a breakdown
  • If the vehicle cannot be repaired on the same day, transportation of you and your vehicle to a destination of your choice within the UK will be issued or up to £100 for a hire car for 24 hours or up to £100 for an overnight accommodation at a Bed & Breakfast.
    Level 2- National Cover & Doorstep Assistance: in addition to the benefits that come with the Level 1 cover, this covers breakdown assistance at your home.
    Level 3- National, Doorstep Assistance and European Cover: in addition to the benefits that come with Level 1 and Level 2 covers, this covers the following in case you break down while in Europe:
  • Up to £750 to pay for a hire car provided your vehicle broke down 7 days or less prior to your departure
  • Up to £250 to cover for roadside assistance
  • Up to £750 for alternative transport such if your vehicle cannot be repaired anytime soon
  • Emergency repairs or replacement of parts in case of a break in for up to £175.

Keycare cover at Insure the box

Up to £1500 for replacement of locks or keys in case of loss or theft of keys within a period of insurance.

Windscreen cover at Insure the box

Windscreen Cover as a policy upgrade is not available. It is included as a standard that comes with the insurance policy. It covers the repair or replacement of your windscreen, sunroof and windows as well as the repair of bodywork that may have been damaged by the broken glass.

Motor legal protection at Insure the box

Up to £100,000 of legal costs in case you are involved in an accident that is not your fault is included as a standard.

Personal policy injury available at Insure the box

Personal Injury Policy is available as a standard and covers up to £7500 if you, your spouse or civil partner is injured, lost a limb above the wrist or ankle, or total sight in one or both eyes.

Coverage abroad at Insure the box

Up to 90 days of coverage when traveling abroad is available as a standard. However, it is important to note that the cover is Third Party Only and not the same level of cover that you get while in the UK. To get the same level of insurance as your policy, you’re going to have to get an Extended European Cover.

Abroad cover is available for the following countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, The Channel Islands and The Isle of Man.

Since Brexit, the country is currently at a transitional period. So far, you don’t need a Green Card to travel to EU countries but it is important to always check with your insurer in cases there have been any changes.

Courtesy car at Insure the box

Insure the Box offers a hire vehicle cover option called Courtesy Car Cover Plus. This cover comes with the following benefits:

  • A courtesy car for up to 21 days following a total loss of your car due to an accident that was your fault or caused by fire, theft, lightning, vandalims, flooding, explosion or attempted theft.
  • Up to £50,000 to cover for legal costs in you’re charged with a motoring offence, a victim of a vehicle registration cloning or identity theft
  • Availability of a 24/7 helpline.

No-Claim Bonus (NCB) at Insure the box

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. You can also opt for an NCB protection cover at an additional charge.

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 the Box is able to recover all costs from the responsible party.

Claims on the following will not affect your NCB:

  • Windscreen cover repair or replacement
  • Incident caused by an uninsured driver
  • Emergency treatment fees on road side in case of injury during an accident
  • Vandalism.

At Insure the box, 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. 

Insure the box car insurance terms and conditions

How much does Insure the box car insurance cost?

You'll find below indicative car insurance quotes at Insure the box:

Drivers'ageMonthly premium
18 years old£99,69
40 years old £41,11
60 years old£30,31
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Insure the box 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 the box?

Apart from the availability of a No-Claims Discount, there is potential to get a discount on your premium during renewal. The discount rate could be as high as 37%.

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 the box car insurance policy summarized

Guarantees

At Insure the box
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysKey Cover not included as standard.
Personal belongings£150
Audio equipment

Excess- Not stated
Limit - Unlimited if fitted in car by manufacture, limit of £250 for any other equipment.

Medical expenses

£200

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

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad

90 days

Guarantees at Insure the box

Excess

At Insure the box
Fire excessExcess- Not stated
Limit- £150 for personal belongings
Theft excessExcess- Not stated
Limit- £150 for personal belongings
Accidental damage excessNot stated
Windscreen replacement excessExcess- Not stated
Limit- Unlimited if using approved glass repair, limit of £200 for replacement and £50 for repair if using an unapproved glass repairer.
Young driver excess

Not Stated

Excess at Insure the box

Admin fees

At Insure the box
Interest charged by payment installments

Not stated

Renewal fees

£0

Cancellation fees

Cancellation fee before installation of black box: £30
Cancellation fee after installation of black box: £80

Modification fees

Change of car that had a black box already installed in it fee: £90 through Service Center, £85 Self Service using Portal.

Admin fees at Insure the box

Other car insurance policies available at Insure the box

Insure the box black-box insurance

The only insurance policy that Insure the Box is offering is the black box insurance.

The black box uses telematics to analyse driving habits such as speed, braking, cornering and acceleration and creates a report which determines the price of the premium you’ll be charged during renewals. The better your driving score is, the lower prices you’ll get on your premium.

In addition to its ability to track driving habits, the black box also has a GPS technology allowing it to track the vehicle. This acts as extra protection against theft. It can also sense a the strong impact on your vehicle in case of accident and will send an Accident Alert message to your insurer who will call you to make sure you’re okay.

Insure the box business car insurance

Cover for business car may be available provided you inform them. In case of any change such as using your once personal car for business, you’re supposed to let them know as soon as possible.

Provided that your Certificate of Motor Insurance shows that you have the appropriate business use cover, Insure the Box will cover any cost or expenses your employer or business partner is legally liable for.

How to contact Insure the box auto insurance?

Insure the box phone numbers 

You will find all important phone numbers to contact Insure the box car insurance:

Contact numberOpening hours

Customer Service

0333 103 0000

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

New Claim

0333 103 0030

Available 24/7

Existing Claim

0333 103 0030

Monday to Friday: 9am – 5pm

Windscreen Damage

0330 022 9449

Not Stated

Breakdown

0120 681 2784

Available 24/7

Black Box Installation

0121 332 1220

Not Stated

Contact numbers at Insure the box

Insure the box other contact details

You'll find below Insure the box main contact details:

Contact details of Insure the box
Email address

[email protected]

Customer account with Insure the box login

My account

Social mediaFacebook, Twitter
ChatbotNo
Contact details at Insure the box

You can also contact them by mail by writing to Insure the box car insurance:

88 Leadenhall Street
London,
London EC3A 3BP, GB

How to cancel your car insurance at Insure the box?

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 the box 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 the box 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 the box 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’.