Quotemehappy Car Insurance Review

James Rodriguez James Rodriguez updated on July 30, 2020

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

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

4 Safe overall rating for Quotemehappy

Our ratingOur opinion
Customer service & satisfaction

Website is customer friendly and can be easily navigated by potential customers
Good reviews from TrustPilot
Customer care availability is low

Cover provided

A wide range of cover is provided
Courtesy car is provided
Personal belongings cover is provided
Cover is provided for audio equipments
Vans are not covered by the insurance policy

Value for money

Insurance costs are low and very much affordable
No admin fee required
Cancellation fees are charged

Financial strength for pay out

Relatively high financial capability to pay out claim

Technology

User experience was given a considerable thought as the website is user friendly
Online app available to access account
Insufficient phone numbers attached to the services provided by the company
No life chat option is provided
20% online availability

Safe rating for Quotemehappy

Expert and customer reviews on Quotemehappy

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

Review organisationConsumer satisfaction rates for Quotemehappy
Defaqto expert rating for Quotemehappy defaqto 4 stars 1
TrustPilot4,5/5 based on 18,849 opinions,
Consumer satisfaction rates on reviews for Quotemehappy

To check if Quotemehappy 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 Quotemehappy car insurance policy

On a general scale, Quote me happy seems to be an insurance company that is customer friendly. It covers many range of services it generally has good online reviews. The downside of Quote me happy is that the price range of these services are not disclosed and the customer care service which is majorly only via email is not encouraging. The insurance company is however, highly recommended.

What does Quotemehappy car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Quotemehappy?

Car insurance policyAvailable at QuotemehappyCoverage 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 Quotemehappy

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

Main guarantees at Quotemehappy explained in details

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

Breakdown cover at Quotemehappy

In the case of a breakdown by the roadside, assistance would be provided and if the car cannot be repaired immediately, it would be towed to the nearest garage for you.
There is the option of provisional transportation during a breakdown. In the case of a breakdown, Quote me happy can provide an alternative source of transportation for you and other occupants of your car.
A hire car that you can use for one day while your car is being fixed is provided.
Overnight accommodation or an alternative form of transport is provided if the hire car is not suitable enough.
Breakdown assistance is provided in Europe for trips of up to 90 days.

Keycare cover at Quotemehappy

Quote me happy covers not only the key to your car but every key on your key fob so you don’t have to worry about getting stranded. In the case that you have misplaced your keys, the services provided by Quote me happy are:

  • Key recovery and locksmith services
  • Transportation costs to your home
  • Up to £1,000 keycare cover per fob, every year
  • Emergency UK-based 24-hour helpline
  • If the keys are found with the Keycare fob, a £10 reward will be issued to the finder.

Windscreen cover at Quotemehappy

  • If you have a damaged window, windscreen or sunroof Quote me happy will repair it at a £10 extra cost or replace it for £75
  • If an approved repairer from Quote me happy is used, the company will pay the market value of your car at the time of the loss
  • However, if a personal repairer is used, the claim will be limited to £50.

Motor legal protection at Quotemehappy

  • A provision of up to £100,000 in legal costs is provided if the customer was involved in an accident of which he/she is not at fault.
  • If the claim is not successful, the legal costs would be covered by Quote me happy.
  • Provision of £10,000 in legal costs for a lawyer if a customer is prosecuted for a motoring offence.
  • 24 hour UK legal helpline in the case of emergencies.

Personal policy injury available at Quotemehappy

For Personal Policy injury, a standard cover worth £5,000 is provided annually, with £2,500 maximum per claim. In the case where the customer or his/her partner suffers accidental bodily injury in an accident involving your car, Quote me happy will pay up to £40,000 for loss of limb, or loss of sight or death.

Coverage abroad at Quotemehappy

A fully comprehensive cover is provided by Quote me happy when a customer travels abroad to any of the following European countries if the trip is less than 90 days. The list of countries where you can drive being covered is:

Republic of 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, Switzerland (including Liechtenstein).

Courtesy car at Quotemehappy

In the case of theft or car damage, Quote me happy provides a hire car until the problem can be rectified. The Hire Car option entitles you to a replacement car provided by one of the company’s approved repairers. Some features attached to the hire car option are:

  • The car provided will be a three door hatchback car with an engine capacity of 1 litre
  • The hire car can be used for a maximum of 21 days during which the claim is looked into
  • A standard courtesy car cover is also provided.

No-Claim Bonus (NCB) at Quotemehappy

A driver is only eligible for an NCB if he/she has had no claims for up to 4 years. The discount accrued with this bonus reduces the effect that a future claim could have on the driver’s next renewal price.

At Quotemehappy, 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): 0 claim in 4 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. 

Quotemehappy car insurance terms and conditions

How much does Quotemehappy car insurance cost?

You'll find below indicative car insurance quotes at Quotemehappy:

Drivers'ageMonthly premium
18 years old£104,52
40 years old £43,10
60 years old£31,78
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Quotemehappy 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 Quotemehappy?

Quote me happy offers discounts mainly for multi-car policyholders.

Discount typesComment
Discounts- A discount of up to £80 is provided for Multi-car insurance and for this to take effect, two other cars apart from that of the customer's has to be registered with the same address. This discount is only put into consideration when more than one car has been insured with Quote me happy under the same address. Some details associated with this discount includes:
- A £40 discount is given on a second car's insurance premium. If both cars are renewed, a £20 off each car's renewal premium will be given
- The multi car discount only applies to two cars registered under one address
- Up to three cars can be insured, but the discount only applies to the first two cars insured.
Discounts and cashbacks available at Quotemehappy

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!

Quotemehappy car insurance policy summarized

Guarantees

At Quotemehappy
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1000 per year
Personal belongings £150
Audio equipment

No

Medical expenses

Not available

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

As standard

Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Quotemehappy

Excess

At Quotemehappy
Fire excessMarket value
Theft excessNot Available
Accidental damage excessNot Available
Windscreen replacement excess£75
Young driver excess

£200

Excess at Quotemehappy

Admin fees

At Quotemehappy
Interest charged by payment installments

Variable

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period: £0
Cancellation fees outside cooling off period: £30

Modification fees

Adjustment fee: £0

Admin fees at Quotemehappy

Other car insurance policies available at Quotemehappy

Quotemehappy multi-car insurance

Multi car cover is applicable for cars registered under the same address.
When applying for a multi-car policy with Quote me happy, a discount is available. Some details associated with this discount includes:

  • A £40 discount is given on a second car’s insurance premium
  • If both cars are renewed, a £20 off each car’s renewal premium will be given
  • The multi car discount only applies to two cars registered under one address
  • Up to three cars can be insured, but the discount only applies to the first two cars insured.

Quotemehappy short term cover

Quote me happy offers temporary car policy contract. For the temporary car offer, Quote me happy requires that:

  • Journeys must start and end in the UK
  • The car in question must not be used for hiring, the carriage of passengers or goods for payment, the carriage of goods or items not belonging to the driver or as a courier for takeaway food or fast food delivery
  • The car must not be used to carry hazardous goods
  • Also, the driver must be between 18 and 7, must have a driver license and a permanent address.

How to contact Quotemehappy auto insurance?

Quotemehappy phone numbers 

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

Contact numberOpening hours

Customer Service

0843 837 5545

Monday to Friday: 8:00 am – 8:00 pm
Saturday: 9:00 am – 5:00 pm
Sunday & bank holidays: 10:00 am – 4:00 pm

Car insurance claim

0345 030 6944

Monday to Friday: 8:00 am – 8:00 pm
Saturday: 9:00 am – 5:00 pm
Sunday & bank holidays: 10:00 am – 4:00 pm

Contact numbers at Quotemehappy

Quotemehappy other contact details

You'll find below Quotemehappy main contact details:

Contact details of Quotemehappy
Email address

[email protected]

Customer account with Quotemehappy login

My Account

Social mediaFacebook, Twitter, LinkedIn, YouTube.
ChatbotNo
Contact details at Quotemehappy

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

Quote me happy registered office
St Helen’s,
1 Undershaft,
London
EC3P 3DQ

How to claim at Quotemehappy?

You can make a claim either online or by calling the company.

ServiceCar claim
Claim online

Online claim

Claim by phone

0345 030 6944

Claim process at Quotemehappy

How to cancel your car insurance at Quotemehappy?

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, Quotemehappy as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Quotemehappy 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:

Quotemehappy 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’.