O2 drive Car Insurance Review

This is the ultimate review to guide you through O2 drive car insurance.

You might already know that O2 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 O2 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 O2 drive car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for O2 drive

	Our rating	Our opinion
Customer service & satisfaction		Calls to customer service incur charges No policy documents are provided
Cover provided		Key care cover is only provided in the case of theft No courtesy car cover is only provided for cars that have been written off or stolen Optional breakdown cover is provided
Value for money		Gifts are given to new customers High cancellation fees are charged Old customers might get a lower price in the case of a renewal
Financial strength for pay out		O2 Drive car insurance is arranged and administered by BISL Limited, which is an independent intermediary, and is underwritten by a panel of insurers. However, the main focal point is on phone insurance, hence, their ability to pay out insurance claims is average.
Technology		Mobile app is available Technological advancements were also used There is little or no information provided about the car insurance services offered The website user experience is poor Bad website maintenance

Expert and customer reviews on O2 drive

We compiled expert and customer reviews from independent institutions, to give you an overall idea of O2 drive's reputation.

Review organisation	Consumer satisfaction rates for O2 drive
TrustPilot	3,4/5 based on 1 opinion

To check if O2 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 O2 drive car insurance policy

O2 is an insurance company commonly associated with the provision of insurance for mobile phones, however, they recently started offering car insurance services. LIttle or no information however is provided on their website as regards the insurance service and they have only one review on Trustpilot and none on Defaqto. Their services are recommended to customers who are okay with an online means of interaction with the customer care agents as telephone numbers are not provided.

What does O2 drive car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at O2 drive?

Car insurance policy	Available at O2 drive	Coverage 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

Main guarantees at O2 drive explained in details

Let's find out what does O2 drive covers in its car insurance policy.

Breakdown cover at O2 drive

O2 drive provides optional breakdown cover which is undertaken by RAC. The policy document cannot be accessed without buying an insurance policy from the company so information about this cannot be gotten.

Keycare cover at O2 drive

O2 drive’s Keycare cover provides up to £500 worth of cover which is only given in the case of theft and in the case that the car can be accessed by the person who took the key.

Windscreen cover at O2 drive

O2 drive would cover the costs of repairs and replacement for keys and locks in the case that an approved repairer is used.

Coverage abroad at O2 drive

No information is provided as regards this on the company’s website.

Courtesy car at O2 drive

O2 drive provides a replacement car in the case that a car has been damaged and is undergoing repairers from one of O2 drive’s approved repairers.

No-Claim Bonus (NCB) at O2 drive

No information is provided as regards this on the company’s website.

No information is provided as regards this on the company’s website.

At O2 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 claim in 3 years.

How much does O2 drive car insurance cost?

You'll find below indicative car insurance quotes at O2 drive:

Drivers'age	Monthly premium
18 years old	£103,80
40 years old	£42,81
60 years old	£31,56

Costs of O2 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.

Is there any promo codes or discounts available at O2 drive?

New customers are offered free gifts. Old customers might get cover for a lower price during policy renewal.

Discount types	Comment
Discounts	New customers would be offered a free gift up to the value of £99 (a £25 Amazon.co.uk Gift Card, a pair of JBL Tune 110BT Wireless Earphones or a night in a hotel for two people) when an insurance policy is taken out with O2 drive.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

O2 drive car insurance policy summarized

Guarantees

	At O2 drive
NCB benefit	Yes
Uninsured driver NCB benefit	Yes
Loss or theft of keys	£500
Personal belongings	Not stated
Audio equipment	Not stated
Medical expenses	Not stated
Liability limit for property damage	no
Legal expense	no
Courtesy car benefit	As standard
Courtesy car cover	Duration of repair
Coverage abroad	60 days

Excess

	At O2 drive
Fire excess	cost of damage is covered
Theft excess	cost of damage is covered
Accidental damage excess	cost of damage is covered
Windscreen replacement excess	No excess amount is required to make up for the unlimited services
Young driver excess	no

Admin fees

	At O2 drive
Interest charged by payment installments	Variable
Renewal fees	£0
Cancellation fees	Cancellation fees during cooling off period : £0 Cancellation fees outside cooling off period : £60
Modification fees	Adjustment fee: £20

Other car insurance policies available at O2 drive

O2 drive black-box insurance

O2 car insurance impelments the drive box which is called the O2 Box on Board, and this device is responsibe for monitoring the driver’s performance. The service is This is also linked the O2 drive app and via this, the driver can monitor his\her driving performance and ultimately reduce driving costs via the rewards given.

How to contact O2 drive auto insurance?

O2 drive phone numbers

You will find all important phone numbers to contact O2 drive car insurance:

	Contact number	Opening hours
Customer Service	0330 018 0802	Monday – Friday: 8am – 9pm Saturday: 8am – 8pm Sunday: 8am – 6pm
Quotes	0330 018 3302	Monday – Friday: 8am – 9pm Saturday: 8am – 8pm Sunday: 8am – 6pm
RAC breakdown assistance	0330 159 0717	24 hours a day, 7 days a week
Windscreen replacement/repairs	0330 018 1152	24 hours a day, 7 days a week
24-hour accident helpline & claims	0330 018 8802	24 hours a day, 7 days a week
Quotes for friends	0330 018 3002	Monday – Friday: 8am – 9pm Saturday: 8am – 8pm Sunday: 8am – 6pm

O2 drive other contact details

You'll find below O2 drive main contact details:

	Contact details of O2 drive
Email address	no
Customer account with O2 drive login	My account
Social media	Facebook, Instagram, YouTube, Twitter
Chatbot	No

You can also contact them by mail by writing to O2 drive car insurance:

O2 drive Car Insurance
260 Bath Road,
Slough,
Berkshire,
SL1 4DX

How to cancel your car insurance at O2 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, O2 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, O2 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.

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.