U drive Car Insurance Review

James Rodriguez James Rodriguez updated on October 6, 2020

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

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

3 Safe overall rating for U drive

Our ratingOur opinion
Customer service & satisfaction

Policy documents for the insurer companies can be easily accessed on the website
Different number of insurers are working with U drive. This means that there is variety as regards the insurance company to be chosen. Some of the insurers are ABC, Aviva, Haven, ERS, Edrige, Highway.
Little or no information about the services provided by U drive
No 24/7 claims helpline

Cover provided

Insurance is provided for convicted drivers
U drive provides insurance for high performance and modified cars

Value for money

Policy renewal attracts a fee of £75
Policy adjustments attract a fee of £30
No information about the discount offered for the No Claims Bonus

Financial strength for pay out

U drive works with a panel of insurers which includes ABC, Ageas, Aqua, Aviva, AXA, Eridge, ERS, Haven, Highway, Markerstudy, Octane, Sabre, Southern Rock, Tansar, Towergate, XS Direct and Zenith. Also, they are authorised and regulated by the Financial Conduct Authority. This proves that they have an high ability to pay out claims.


No live chat option is available
Policies cannot be taken out and changed online
Absence of the use of technological advancements like the Black box

Safe rating for U drive

Expert and customer reviews on U drive

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

Review organisationConsumer satisfaction rates for U drive
TrustPilot3,6/5 based on 476 opinions
Consumer satisfaction rates on reviews for U drive

To check if U 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 U drive car insurance policy

U-Drive was established in 2014 and its focus is on providing special insurance services for young drivers, convicted drivers, drivers of high performance vehicles and also ex-company car drivers. Three levels of cover alongside optional extras like Breakdown cover, excess protection, keycare cover, legal cover, windscreen cover, car hire are provided.

The standard cover benefits offered on all three levels of covers are liability to others, fire and theft cover while the accidental damage is only available for the comprehensive cover level. U-drive works in collaboration with other insurers and as such, the other cover benefits associated with car insurance services would be determined by the insurance company in charge of the driver’s insurance.
Overall, this insurance company is recommended, especially for high risk drivers who are looking for quality insurance.

What does U drive car insurance policy cover?

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

Car insurance policyAvailable at U 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 U drive

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

Main guarantees at U drive explained in details

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

Breakdown cover at U drive

Ageas provides breakdown cover as an optional extra for U drive and it comes in four levels:

  • Roadside assistance which includes 24/7 roadside repair and assistance
  • Roadside Plus which includes roadside assistance, onward travel, local and UK vehicle recovery
  • Full UK Recovery which includes roadside assistance, onward travel, local and UK vehicle recovery and home assistance
  • Full UK & European Recovery which includes roadside assistance, onward travel, local and UK vehicle recovery, home assistance and roadside assistance in Europe.

Keycare cover at U drive

This cover option is provided by U drive insurers which is Crusader Assistance. The protection comes with £1,500 limit of cover, including VAT and other services such as:

  • theft or loss of keys
  • broken in or damaged keys
  • £75 a day for alternative means of transportation for 3 days in the case that you are stranded as a result of a stolen or damaged key.

Windscreen cover at U drive

Crusader Assistance is in charge of windscreen cover for U drive and it provides cover to:

  • replace broken windows or windscreen glass in the insured vehicle
  • repair damage to the windscreen.

Motor legal protection at U drive

U drive provides Motor Legal Protection services which

  • £100,000 to provide for uninsured loss recovery
  • Provision of replacement vehicle and cover for cost of vehicle repair
  • Provision of cover for legal expenses
  • 24/7 Motor Legal Helpline.

Personal policy injury available at U drive

Ageas which is one of the insurers of U drive offers the following as part of their Personal Accident Cover:

  • £30,000 for bodily injuries as a result of an accident in the insured vehicle
  • £5,000 in the case than insured person aged 16 or under dies as a result of an accident in the insured vehicle
  • cover for permanent total body disablement as a result of an accident in the vehicle
  • cover to loss of sight in both eyes as a result of an accident in the vehicle.

Coverage abroad at U drive

This cover is undertaken by Ages and their abroad 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 U drive

Crusader Assistance provides a car hire option and a replacement vehicle with an engine capacity of not more than 1,200cc, will be provided for a specific time frame which would be communicated to the driver on his/her policy schedule.

No-Claim Bonus (NCB) at U drive

The NCB will keep increasing every year provided the driver does not file a claim. No percentage is provided.

The no claims discount will not be affected if the only claims made are for a broken windscreen, window or sunroof glass or for replacement locks or keys.

At U 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. 

How much does U drive car insurance cost?

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

Drivers'ageMonthly premium
18 years old£102,36
40 years old £42,21
60 years old£31,13
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of U 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 U drive?

No discount or cashback vouchers are provided. Information as regards the ncb is not provided.

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!

U drive car insurance policy summarized


At U drive
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keys£1,500
Personal belongings£300
Audio equipment


Medical expenses


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

As standard

Courtesy car cover

14 days

Coverage abroad

90 days

Guarantees at U drive


At U drive
Fire excess£500
Theft excess£500
Accidental damage excess£500
Windscreen replacement excessNo excess amount is required to make up for the unlimited services
Young driver excess

not stated

Excess at U drive

Admin fees

At U drive
Interest charged by payment installments


Renewal fees


Cancellation fees

Cancellation fees during cooling off period : £75+ amount charged by insurer
Cancellation fees outside cooling off period : £75+ amount charged by insurer

Modification fees

Adjustment fee: £25

Admin fees at U drive

Other car insurance policies available at U drive

U drive black-box insurance

U drive provides insurance services for young drivers. More information on this can be gotten from the policy documents or customer care representatives.

U drive classic car insurance

Insurance is not provided for classic cars but U drive offers insurance for high performance and modified cars. However, little or no information is provided as pertaining this and the cover policy document is not readily available.

U drive van insurance

U drive provides van insurance. However, information on this is only provided for people who take out the insurance with the company.

How to contact U drive auto insurance?

U drive phone numbers 

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

Contact numberOpening hours

Customer Service

0333 400 1060

Monday – Friday 8.30am to 7.00pm
Saturday 9.00am to 1.00pm

New Quotes

0333 400 1062

Monday – Friday 8.30am to 7.00pm
Saturday 9.00am to 1.00pm

Existing customers

0333 400 1061

Monday – Friday 8.30am to 7.00pm
Saturday 9.00am to 1.00pm


0208 487 0569

24 hours a day, 7 days a week

Contact numbers at U drive

U drive other contact details

You'll find below U drive main contact details:

Contact details of U drive
Email address

[email protected]

Customer account with U drive login


Social mediaFacebook, Twitter
Contact details at U drive

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

U drive car insurance
Grosvenor House,
4/7 Station Road,
TW16 6SB

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

U 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’.