My Policy Car Insurance Review
This is the ultimate review to guide you through My Policy car insurance.
You might already know that My Policy 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 My Policy 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 My Policy car policy terms and conditions and given our own ratings based on different criteria.
3 Safe overall rating for My Policy
|Our rating||Our opinion|
|Customer service & satisfaction|
24/7 Claims helpline
The insurance company specifically provides cover for young drivers
|Value for money|
Rewards like discounts on renewal is given for safe driving
|Financial strength for pay out|
My Policy works with a panel of insurance companies such as Aviva, AXA, Markerstudy, Equity Red Star Telematics Car, Highway (LV) and Zurich Commercial Vehicle and as such, they have a strong financial capability to pay out claims.
User experience on the website is well thought as the website can be easily navigated
Expert and customer reviews on My Policy
We compiled expert and customer reviews from independent institutions, to give you an overall idea of My Policy's reputation.
|Review organisation||Consumer satisfaction rates for My Policy|
|TrustPilot||4,5/5 based on 5,496 opinions|
To check if My Policy 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 My Policy car insurance policy
My Policy car insurance was established in 1995 and it focuses majorly on telematics technology. The insurance company provides the black box for its customers and it comes as a standard with the covers provided.
My Policy focuses on providing insurance services for young, low-mileage drivers and commercial vehicle drivers. Three levels of cover are provided the comprehensive cover particularly is inclusive of the vandalism cover and accidental damage cover. My Policy works with a different insurance companies such as Aviva, AXA, Markerstudy, Equity Red Star Telematics Car, Highway (LV) and Zurich Commercial Vehicle and the services provided for each customer is dependent on the insurance company chosen. Aviva was chosen in this case as the reviewed car insurance provider. MyPolicy has a high TrustPilot recommendation of 4.5/5. The insurance policy is recommended for young drivers, and high risk drivers.
What does My Policy car insurance policy cover?
Are TPO, TPFT and Comprehensive covers available at My Policy?
|Car insurance policy||Available at My Policy||Coverage in a nutshell|
|Third-Party Fire and Theft|
Keep in mind that you can always add optional extras to your policy.
Main guarantees at My Policy explained in details
Let's find out what does My Policy covers in its car insurance policy.
Breakdown cover at My Policy
My Policy provides breakdown cover and they can be easily reached in the case of accident. No additional information is provided on the website about this.
Keycare cover at My Policy
The Keycare cover provided is undertaken by any of the insurers listed on the website. Aviva is selected in this case and they provide cover for replacement locks in the case that the ignition keys are either misplaces or stolen provided that it is certain the person who took it can gain access to the car. The cover provides the following:
- cost of replacing the affected lockslock transmitter and central locking interface
- cost of replacing the affected parts of the alarm and/or immobiliser.
Windscreen cover at My Policy
My Policy with Aviva as the insurer offers the following as a part of its windscreen cover:
- Payment for the replacement or repair of the glass in your car’s windscreen, sunroof or windows
- Payment for the repair of the body of the car in the case that it is scratched.
Motor legal protection at My Policy
My Policy provides motor legal protection cover however, no additional information is provided on the website about this. A customer care agent would have to be reached for more information.
Personal policy injury available at My Policy
The Personal accident by Aviva cover offers financial compensation of up to £2500 for a range of injuries to help the driver or passengers recover. The cover is only offered if within 3 months, the injuries sustained result in:
- permanent loss of sight in one or both eyes
- permanent loss of limb.
Coverage abroad at My Policy
Abroad coverage is available under the cover policies provided and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Republic of Ireland, Northern Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
Courtesy car at My Policy
There is no cover provided for hiring vehicles. However, a courtsey car option is provided. The courtsey car cover option is handled by Aviva and in the event of an accident, a replacement car hire which can be used till the problem is rectified would be provided. The approved repairer will provide the driver with a five door car, with an engine capacity of 1.6 litres that can accommodate up to five people for the duration of the repairs.
No-Claim Bonus (NCB) at My Policy
The NCB will keep increasing every year provided the driver does not file a claim. No percentage is provided.
Payments for emergency medical treatment do not affect or reduce the No Claims Discount
At My Policy, 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) : 1 claim in 1 year.
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.
My Policy car insurance terms and conditions
How much does My Policy car insurance cost?
You'll find below indicative car insurance quotes at My Policy:
|18 years old||£117,66|
|40 years old||£48,52|
|60 years old||£35,78|
Costs of My Policy 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 My Policy?
A cashback voucher is offered at My Policy. Apart from this, a reward is given to young drivers who use the smart box device and drive safely.
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!
My Policy car insurance policy summarized
|At My Policy|
|Uninsured driver NCB benefit||Yes|
|Loss or theft of keys||Full replacement89|
|Liability limit for property damage||£20 000 000|
|Courtesy car benefit|
|Courtesy car cover|
Duration of repair
|At My Policy|
|Accidental damage excess||£350|
|Windscreen replacement excess||£75|
|Young driver excess|
|At My Policy|
|Interest charged by payment installments|
Cancellation fees during cooling off period : £25
Adjustment fee: £25
Other car insurance policies available at My Policy
My Policy black-box insurance
My Policy offers telematics insurance for young drivers. It is called the MyPolicy Telematics Smart Box and the smart box monitors the driving performance of the driver. The aim is to encourage safe driving. The following are offered alongside the telematics insurance:
- Reward for safe driving- Online dashboard to monitor driving performance
- 24 hours claims line
- No imposed curfews.
My Policy van insurance
My Policy provides van insurance and the following are offered or included as a part of the policy option:
- Smart box installation
- Online dashboard for monitoring driving performance
- Free theft tracking
- No curfew attached to the smart box installed.
No detailed information provided. The available information is centered around the telematics insurance service.
How to contact My Policy auto insurance?
My Policy phone numbers
You will find all important phone numbers to contact My Policy car insurance:
|Contact number||Opening hours|
0330 100 2337
Monday to Friday 8:30am – 6:00pm
Claims for Aviva
0800 678 999
24 hours a day
Claims for Ageas
0345 122 3018
24 hours a day
Claims for Axa
0345 608 0230
24 hours a day
Claims for Markerstudy
03448 738 183
24 hours a day
Claims for Highway (LV)
0800 028 9655
24 hours a day
My Policy other contact details
You'll find below My Policy main contact details:
|Contact details of My Policy|
|Customer account with My Policy login|
|Social media||Facebook, Twitter, Instagram|
You can also contact them by mail by writing to My Policy car insurance:
My Policy Limited
How to cancel your car insurance at My Policy?
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, My Policy as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, My Policy 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.
My Policy 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’.