Sky insurance Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

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

4 Safe overall rating for Sky insurance

Our ratingOur opinion
Customer service & satisfaction

Choice to either apply online or contact customer support
Fast and effortless registration process
Professional and friendly customer support according to reviews
High customer satisfaction rate on Trust Pilot
Claim process is quick and easy with the availability of a 24 hotline for claims
Does not have a live chat feature

Cover provided

Wide range of covers available such as Temporary Car Insurance, Fleet Insurance, Young and Learner Drivers, Business Insurance, etc
Offer covers for modified cars
Offer black box insurance cover for young drivers
Lack of a wide range of optional extra covers

Value for money

Fairly priced premiums
NCB discount available
High cancellation fee of £50
High renewal policy fee £60

Financial strength for pay out

Sky Insurance has the ability to pay out claims due to the vast experience they’ve gained while being in the car insurance industry for 35 years. They are also regulated by the Financial Conduct Authority.


Feature to generate quotes online
Use of telematics (black box) technology
The website design could use a facelift

Safe rating for Sky insurance

Expert and customer reviews on Sky insurance

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

Review organisationConsumer satisfaction rates for Sky insurance
TrustPilot4,5/5 based on more than 600 opinions
Consumer satisfaction rates on reviews for Sky insurance

To check if Sky insurance 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 Sky insurance car insurance policy

Sky Insurance issues a wide range of covers such as standard car insurance, black box insurance, classic car insurance, fleet insurance, etc.

They are underwritten by a panel of some of the leading insurers in the UK which creates several options to choose from. Unfortunately, policy documents on the several covers offered are not readily available on their website so you’ll have to contact them for more information regarding what it is you’re looking for.

This insurance company would be suitable for people who have a lot of vehicles that are different and have different insurance needs since it’s basically a one-stop shop for everything related to car insurance.

What does Sky insurance car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Sky insurance?

Car insurance policyAvailable at Sky insuranceCoverage 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 Sky insurance

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

Main guarantees at Sky insurance explained in details

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

Breakdown cover at Sky insurance

Sky Insurance has partenered with Call Assist (A Breakdown service company) to provide 6 levels of breakdown covers:
Level 1 – Roadside/Local Recovery: This covers breakdown assistance within the UK more than 1 mile away from your home address. In the event that your vehicle cannot be fixed on the roadside, they will arrange for the vehicle and driver’s transport to the nearest repair garage, home address or any destination of choice within a 10 mile radius. Other benefits that come with this cover are:

  • Alternative travel cover for Up to £250 (£750 in case you’re in Europe) to pay for vehicle hire or return tickets. It also cover a payment of £100 for the expense of whoever is going to pick the car up after repair
  • Emergency overnight accommodation at a break and breakfast is also available in case the vehicle cannot be repaired on the same day. This consists of £150 for a lone traveller, or £75 per person in case there’s a group as long as the it doesn’t exceed £500
  • Replacement driver in case you’re medically unfit to drive the car
  • Recovery of caravans and trailers up to the maximum length of 7 metres
  • Call-out and mileage back to recovery operator’s base in case you have an issue with your keys. All other expenses related to the keys will be covered by you.
    Level 2 – Roadside, Local Recovery and Home Assist: In addition to the benefits that come with Level 1, you’ll be covered for breakdown assistance at your home address or anywhere a one mile radius from your home.
    Level 3 – Raodside and National Recovery: In addition to the benefits that come with Level 1, you’ll be covered to recovery to any destination within the UK.
    Level 4 – Raodside, National Recovery and Home Assist: In addition to Level 3 benefits, you’ll be covered for breakdown assistance at your home address or anywhere a one mile radius from your home.
    Level 5 – Raodside, National Recovery and Europe: In addition to the benefits you get from Level 3, you’ll be covered for breakdown assistance in EU countries as well as Turkey and Morocco.
    Level 6 – Raodside, National Recovery, Home Assist and Europe: In addition to the benefits that come with Level 5, you’ll be covered for breakdown assistance at your home address or anywhere a one mile radius from your home.

Keycare cover at Sky insurance

Not stated

Windscreen cover at Sky insurance

  • Windscreen cover is available and level of cover varies from policy to policy depending on the underwriter.
  • Excess and Limit amount will be stated in your schedule depending on the cover you purchase.

Motor legal protection at Sky insurance

Up to £50,000 of legal costs and expenses for claims arising in one accident.

Personal policy injury available at Sky insurance

Personal injury compensation is covered but amount is not disclosed. The amount would vary from policy to policy.

Coverage abroad at Sky insurance

Sky Insurance may offer cover for abroad travel with the maximum number of days varying depending on which insurer from the panel is underwriting the policy.

Countries and territories covered are: Albania, Andorra, Balearics, Belarus, Belgium, Bosnia and Herzegovna, Bulgaria, Canary Isles, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Montenegro, Monaco, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Sicily, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey (West of Boshporus) and the Vatican City.

No-Claim Bonus (NCB) at Sky insurance

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. You can also opt for an NCB protection cover at an additional charge.

If the incident caused was not your fault and Sky Insurance was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.

At Sky insurance, 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.

Depends on insurance company that is underwriting the policy.

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. 

Sky insurance car insurance terms and conditions

How much does Sky insurance car insurance cost?

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

Drivers'ageMonthly premium
18 years old£115,20
40 years old £47,51
60 years old£35,03
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Sky insurance 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 Sky insurance?

The only discount currently available at Sky insurance is the NCD.

Discount typesComment
DiscountsThere is a discount of up to 20% of the standard premium offered to Car Club members who are mostly car enthusiasts.
Discounts and cashbacks available at Sky insurance

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!

Sky insurance car insurance policy summarized


At Sky insurance
NCB benefitYes
Uninsured driver NCB benefitno
Loss or theft of keysNot Stated
Personal belongingsExcess- Not stated
Limit- Not stated
Audio equipment

Not included as standard

Medical expenses

Excess- Not stated
Limit- Not stated

Liability limit for property damageNot Stated
Legal expense£50,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair of your car.

Coverage abroad


Guarantees at Sky insurance


At Sky insurance
Fire excessExcess- Not stated
Limit- Not stated
Theft excessExcess- Not stated
Limit- Not stated
Accidental damage excessExcess- Not stated
Limit- Not stated
Windscreen replacement excessNot Stated
Young driver excess

Not Stated

Excess at Sky insurance

Admin fees

At Sky insurance
Interest charged by payment installments

Not Stated

Renewal fees


Cancellation fees

Cancellation fee: £50

Modification fees

Mid-Term Adjustment fee: £25

Admin fees at Sky insurance

Other car insurance policies available at Sky insurance

Sky insurance multi-car insurance

Although Sky Insurance does not offer multi car polices for private cars, they do however offer fleet insurance options such as Motor Fleet Insurance, Mini Fleet Insurance, and Van Fleet Insurance. The following are some of the benefits you can expect with Sky Insurance:

  • Dedicated fleet correspondent
  • One renewal date
  • Panel of leading insurers such as Aviva, Allianz and AXA
  • Different types of vehicles can be covered within the same policy
  • Competitive prices on policies tailored to suit your needs.

Sky insurance black-box insurance

Sky Insurance offers black box insurance for young drivers aged 17 to 25. The black box is quickly fitted to your car without any additional charge. The black box is a device that uses telematics to track speed, acceleration, braking and cornering and creates an analyzed report that reflects your driving skills and score.

Your premium price is tailored according to your driving score. The better your score, the lower the premium you’ll be charged.

Sky insurance classic car insurance

Sky Insurance offers a Classic Car Insurance policy. You can expect the following benefits when taking out a Classic Car Insurance with Sky:

  • Modified cars are accepted
  • Free accident management cover
  • Breakdown cover for classic cars
  • Knowledgeable staff
  • Agreed values available.

For more information, Call Sky Insurance at 03303 331 251.

Sky insurance short term cover

Sky Insurance offers temporary car insurance cover to people aged 19 to 75 provided that they hold a full and valid UK, EU, EEA or another Commonwealth licence, which has been held for at least 12 months.

The duration of the cover is flexible (1 to 28 days) and is available at a comprehensive level only. Standard benefits that come with this cover are: Accidental damage, Theft and Fire damage, Legal Liability and Third Party EU Cover.

You can opt to add extra protection such as Comprehensive EU Cover and Excess Protection.

Sky insurance learner driver car insurance

Sky Insurance caters to learner drivers by offering Temporary Learner Driver Insurance with which the learner can learn how to drive using someone else’s car. This does not affect the NCB of the car owner’s insurance policy.

Sky insurance business car insurance

Cover for business car may be available provided you inform them. In case of any change such as using your once personal car for business, you’re supposed to let them know as soon as possible.

Provided that your Certificate of Motor Insurance shows that you have the appropriate business use cover, Sky Insurance will cover any cost or expenses your employer or business partner is legally liable for.

Sky insurance van insurance

Sky Insurance offers a wide range of van insurance. You can expect to be covered whether you have a single van or a fleet of vans that may need a multi cover.

The following are some of the points about Sky’s Van Insurance:

  • Business Use covered
  • Reasonably priced premiums
  • Courier Cover available
  • Goods in Transit Cover available
  • Multi Van Insurance available
  • Van Insurance for any driver
  • Introductory discounts
  • Special offers for the self-employed

A factor that would be considered when creating a premium price for your van is the size. The premium price would vary according to size of the van. That way, you won’t have to pay a higher price if your van is small.

How to contact Sky insurance auto insurance?

Sky insurance phone numbers 

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

Contact numberOpening hours

Customer service

03303 331 251

Monday to Friday: 9am to 5pm
Saturday: 9am to 4pm
Sunday: Closed


020 7327 5693

Monday to Friday: 9am to 5pm
Saturday: 9am to 4pm
Sunday: Closed

Accident Hotline

0343 506 5793

Available 24/7


0800 999 8000

Not Stated


0333 320 2324

Available 24/7

Contact numbers at Sky insurance

Sky insurance other contact details

You'll find below Sky insurance main contact details:

Contact details of Sky insurance
Email address

[email protected]

Customer account with Sky insurance login

My account

Social mediaFacebook, Twitter, YouTube, Instagram
Contact details at Sky insurance

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

Sky Insurance Services Group Ltd
Sky House
28 Station Close
Potters Bar

How to cancel your car insurance at Sky insurance?

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

Sky insurance 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’.