Insure your motor Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

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

4 Safe overall rating for Insure your motor

Our ratingOur opinion
Customer service & satisfaction

Friendly and professional customer service support
Effortless application and registration process that can all be done online
High customer satisfaction rate on reviews.co.uk
Claims process is fairly easy and quick
[x[ No live chat feature available

Cover provided

Offer single car insurance with 3 levels of cover: Comprehensive, Fire, Theft and Third Party and Third Party Only policies
Offer covers for commerical vehicles
Specialist car insurance offering covers for convicted drivers, drivers with claims, drivers with zero NCB, drivers living in hard-to-cover areas, drivers with non-motoring convictions and drivers who have had their insurance declined, cancelled or voided
Wide range of additional covers available
Up to 90 days of European travel cover available depending on your underwriter

Value for money

Reasonably priced premiums
NCB discount available
No renewal fees
High cancellation fee of £50 – £125

Financial strength for pay out

Insure Your Motor is underwritten by a panel of some of the leading insurers in the UK. This gives it its high ability to pay out claims.

Technology

User friendly website
Online application features
Don’t offer black box insurance

Safe rating for Insure your motor

Expert and customer reviews on Insure your motor

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

Review organisationConsumer satisfaction rates for Insure your motor
TrustPilot3,5/5 based on more than 180 opinions
Consumer satisfaction rates on reviews for Insure your motor

To check if Insure your motor 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 your motor car insurance policy

If you or someone you know has been having problems getting accepted by insurance companies or offered a fairly priced premiums because of motor and non motor related convictions, Insure Your Motor Insurance is the way to go.

They are a specialist insurance company focused on providing reasonably priced premiums to drivers who might be deemed as high risk by other insurers.

The insurance covers offered are from a panel of some of the leading UK insurers, therefore, it’s important to go through the policy document of the specific insurer that is going to cover you. Fortunately, you won’t have to go through trouble finding the policy document of your underwritter because they’re all available in the Insure Your Motor website.

What does Insure your motor car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Insure your motor?

Car insurance policyAvailable at Insure your motorCoverage 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 your motor

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

Main guarantees at Insure your motor explained in details

Let's find out what does Insure your motor covers in its car insurance policy.

Breakdown cover at Insure your motor

Insure Your Motor’s Breakdown cover is provided by Mulsanne Insurance Company Ltd. They have 3 levels of breakdown cover:
UK Roadside Assistance Cover: this covers roadside assistance within the UK. If your vehicle cannot be fixed on the same day, you and your vehicle will be transported to a destination of your choice as long as it is within a 10 mile radius from the breakdown site. It also cover misfueling issues and would pay to get your tank flushed and refilled with the right type of fluid for Up to 10 litres
Motor Assistance including Homecall: in addition to the benefits that come with the UK Roadside Assistance Cover, this cover includes the following benefits:

  • Breakdown assistance and recovery in your home address
  • Alternative travel in case you car cannot be fixed on the same day. This may include car hire or overnight accommodation
  • In the event you’re involved in a road accident that is more than 50 miles away from home, they will cover the cost of transporting your family members to visit you at the hospital
  • An alternative driver can be offered if you’re declared medically unfit to drive and are far away from home
  • Misfueling cover

Keycare cover at Insure your motor

£1,500 for replacements of keys and locks in the event of loss or theft as well as locksmith charges.

Windscreen cover at Insure your motor

  • The windscreen cover comes as a standard with the comprehensive policy.
  • It can also be added as an extra protection in case you take a non comprehensive level of cover.
  • This package includes the repair and replacement of the windscreen and the windows. It does not include sunroof.

Motor legal protection at Insure your motor

Up to £100,000.

Personal policy injury available at Insure your motor

£2000 to £5000 per person if you or your spouse were involved in an accident that resulted in death, permanent loss of a limb or loss of sight in one of both eyes (the value of this cover is subject to the underwriter)

Coverage abroad at Insure your motor

Minimum cover is available as standard when traveling across Europe. For a better protection that is as same as your current cover, you’ll need to contact your underwriter and request an extention of the cover. The following are the countries that you can travel to under this cover:
Great Britain, Northern Ireland, The Isle of Man, The Channel Islands, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City.

No-Claim Bonus (NCB) at Insure your motor

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.

In the event of 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 Your Motor 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 vandalism (provided the damage wasn’t caused by you, a family member or anyone insured by the policy)
  • Incidents caused by an uninsured driver.

At Insure your motor, 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 3 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 your motor car insurance terms and conditions

How much does Insure your motor car insurance cost?

You'll find below indicative car insurance quotes at Insure your motor:

Drivers'ageMonthly premium
18 years old£116,43
40 years old £48,01
60 years old£35,40
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Insure your motor 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 your motor?

The only discount currently available at Insure your motor 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 your motor car insurance policy summarized

Guarantees

At Insure your motor
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Not stated
Limit- £500 as standard
Personal belongings£100
Audio equipment

Excess- Not stated
Limit- £300 - £1,000 depending on level of cover

Medical expenses

Excess- Not stated
Limit - £100

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

As standard with Comprehensive Policy

Courtesy car cover

Duration of repair of your car.

Coverage abroad

90 days

Guarantees at Insure your motor

Excess

At Insure your motor
Fire excessExcess- Not stated
Limit- £100 for personal belongings
Theft excessExcess- Not stated
Limit- £100 for personal belongings
Accidental damage excessExcess- Not stated
Limit- Not stated
Windscreen replacement excessExcess - £10 - £60
Limit- Not stated
Young driver excess

£250 - £350

Excess at Insure your motor

Admin fees

At Insure your motor
Interest charged by payment installments

Not Stated

Renewal fees

£0

Cancellation fees

Cancellation fee within 14 days after purchase of policy (Cooling off Period): £50
Cancellation fee beyond 14 days (Cooling off Period): £125

Modification fees

Mid-Term Adjustment fee: £50

Admin fees at Insure your motor

Other car insurance policies available at Insure your motor

Insure your motor business car insurance

If your Certificate of Motor Insurance includes business use, Insure Your Motor will cover your employer or business partner if an accident happens while using the car for business in the event that there is no presence of any specific insurance.

How to contact Insure your motor auto insurance?

Insure your motor phone numbers 

You will find all important phone numbers to contact Insure your motor car insurance:

Contact numberOpening hours

Customer service

0344 493 7773

Monday to Friday: 8am to 8pm
Saturday: 9am to 4:30pm
Sunday: Closed

Claims

0800 221 8628

Available 24/7

Breakdown

033 34 002 295

Available 24/7

Key Care

0344 557 1329

Not Stated

Windscreen

0344 557 1329

Not Stated

Contact numbers at Insure your motor

Insure your motor other contact details

You'll find below Insure your motor main contact details:

Contact details of Insure your motor
Email address

[email protected]

Customer account with Insure your motor login

My account

Social mediaTwitter
ChatbotNo
Contact details at Insure your motor

You can also contact them by mail by writing to Insure your motor car insurance:

Insure Your Motor
Unit 5, Brecon Court,
William Brown Close,
Cwmbran
NP44 3AB

How to cancel your car insurance at Insure your motor?

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 your motor 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 your motor 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 your motor 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’.