O2 drive Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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 ratingOur 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.


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

Safe rating for O2 drive

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 organisationConsumer satisfaction rates for O2 drive
TrustPilot3,4/5 based on 1 opinion
Consumer satisfaction rates on reviews for O2 drive

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.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.


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 policyAvailable at O2 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
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at O2 drive

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

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.

Personal policy injury available at O2 drive

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.

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. 

O2 drive car insurance terms and conditions

How much does O2 drive car insurance cost?

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

Drivers'ageMonthly premium
18 years old£103,80
40 years old £42,81
60 years old£31,56
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

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.

The higher risk you represent, the more expensive your policy will be.

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 typesComment
DiscountsNew 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.
Discounts and cashbacks available at O2 drive

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!

O2 drive car insurance policy summarized


At O2 drive
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£500
Personal belongingsNot stated
Audio equipment

Not stated

Medical expenses

Not stated

Liability limit for property damageno
Legal expenseno
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair

Coverage abroad

60 days

Guarantees at O2 drive


At O2 drive
Fire excesscost of damage is covered
Theft excesscost of damage is covered
Accidental damage excesscost of damage is covered
Windscreen replacement excessNo excess amount is required to make up for the unlimited services
Young driver excess


Excess at O2 drive

Admin fees

At O2 drive
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period : £0
Cancellation fees outside cooling off period : £60

Modification fees

Adjustment fee: £20

Admin fees at O2 drive

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 numberOpening hours

Customer Service

0330 018 0802

Monday – Friday: 8am – 9pm
Saturday: 8am – 8pm
Sunday: 8am – 6pm


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

Contact numbers at O2 drive

O2 drive other contact details

You'll find below O2 drive main contact details:

Contact details of O2 drive
Email address


Customer account with O2 drive login

My account

Social mediaFacebook, Instagram, YouTube, Twitter
Contact details at O2 drive

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

O2 drive Car Insurance
260 Bath Road,

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.

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.

O2 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’.