Acorn Car Insurance Review: High Risk or Learner Cover for You?

Acorn Car Insurance Review: High Risk or Learner Cover for You?

Good for

  • Specialist insurer that considers drivers with previous convictions or points on their licence

Editor's Rating


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Read about Acorn to see if their car insurance for learners or high risk drivers might be suitable for you. Find out how Acorn features compare and how existing policyholders rate Acorn's customer service.

In This Review

Acorn Car Insurance Overall Review

Acorn specialises in cover for learners and those with points on their licence or previous convictions, who might have trouble getting cover elsewhere. Customers give Acorn high marks for their customer service, which should give some peace of mind to those considering sign up for an Acorn policy.

Potential customers should be aware that Acorn policies are quite basic and don't include a lot of features you might find on other policies. For example, Acorn doesn't include a guarantee on repairs to damage after an accident, accommodation and onwards travel after an accident or a new car replacement. However, this can help keep their prices lower. So if you don't need these features then Acorn might be a good option for you, especially if you have points or convictions.

Acorn policies purchased online (e.g., through their website or a price comparison site) are provided by Haven Insurance Company Ltd. Add on products may be provided by other companies; for instance, for keycare cover they deal with Ageas Insurance, one of the biggest UK car insurance companies.


While Acorn offers three types of polices (Comprehensive, Third Party Fire & Theft and Third Party Only), we'll discuss the features of their comprehensive Private Car plan from their website. As you'll see in the features table below, Acorn comprehensive Private Car plans are relatively stripped back, missing a few "must have" features as recommended by the Money Advice Service. If these aren't important to you then Acorn might still be a great option for you.

This is a high-level summary for policies bought direct from Acorn through their website—remember, these are always subject to conditions and exclusions, which you can read about in the policy documents.

How Good is Acorn Car Insurance?A Good Policy IncludesDoes Acorn Deliver?Acorn Comprehensive Black Box Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up add on
Some policies/if you buy the add on
red x
Up to £100
thumbs up add on
If you buy the add on
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the option, protected up to 1 fault claim within the period of one policy year.
Car recovery after accidentIncluded
thumbs up add on
Courtesy car (repairs)Minimum 14 days
question mark
If you use their repairer; for drivers over 21 years old
Repairs guaranteed12-month guarantee
red x
Not included
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
red x
Not included
Stereo and satellite navMarket value for manufactur fitted
question mark
Up to £250
Alternative transport & Hotel after accident£250+
red x
Not included
24-hour emergency helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
question mark
Included, up to 7 days
Motor legal expensesStandard or add-on extra
thumbs up
Breakdown coverStandard or add-on extra
thumbs up add on
If you buy the add on
"Could Have" Features
Same cover in EUStandard or add-on extra
thumbs up add on
Up to 28 days if they agree and you pay an extra premium
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
red x
Not included
Larger/premium courtesy carStandard or add-on extra
red x
Not available
No fault NCD protectionStandard
thumbs up
Fault or Split Liability claims will affect your No Claims Discount
Uninsured driver NCD protectionStandard
red x
Not convered
Cancellation feeNo more than £50
red x
Range of fees from £0 to £100, in addition to cancellation fees from insurance provider

Acorn Car Insurance Customer Service Reviews and Ratings

Acorn customers are generally quite happy with the company, as evidenced by solid customer reviews. Acorn insurance has 4.4 out of 5 stars on Trustpilot—although from less than 200 customers. Perhaps more reliable, over 1,500 customers have rated Acorn with 4.88 stars out of 5 at The negative reviews were an ad hoc mix of complaints (e.g., closed on Sunday, someone charged a cancellation fee, renewal price higher, etc.), with no unusual problems jumping out to us.

Acorn Ratings & Customer Reviews
Trustpilot customer service rating4.4 out of 5 out of 5

Acorn Car Insurance Discounts

Acorn offers a typical set of car insurance discounts, such as savings for good driving records, no claims discounts and paying in full at the start of each policy year.

DiscountWho qualifies?
No Claims DiscountEach year you don't make a claim should increase your NCD up to 5 years of no claims discount
Pay upfrontPay your full premium at the start of the policy to save money on interest charges
Buy your policy earlyBuying your policy a few weeks ahead of the start date can generally save you money
Safe drivingEstablishing a safe driving record can help you save money on renewal

Cancellation & Administration Fees

Acorn cancellation fees range from £0 to £100, depending on when you cancel your policy. In addition, you may need to pay a fee to the insurance provider (e.g., Haven Insurance). To make another admin change (e.g., add a driver or change your address), expect to pay £25 each time. You'll also pay a new policy set up fee and renewal fees, which you can read about in their terms of service.

Cancellation Fees
Cancel within 14 days
  • Insurer charge: Minimum of £25 + Insurance Premium Tax
  • Acorn charge: £0
Cancel 15 - 30 days
  • Insurer charge: Minimum of £25 + Insurance Premium Tax
  • Acorn charge: £50
Cancel after 30 days
  • Insurer charge: Minimum of £25 + Insurance Premium Tax
  • Acorn charge: £100
Admin fees for amendments£25

Important Acorn Car Insurance Phone Numbers

Customers can reach Acorn customer service 6 days a week—not on Sundays. Except, of course, customers can use the 24-hour helpline if they have an accident and need help. During normal working hours customers can get in touch with Acorn through their online live chat feature and phone customer service lines, which are open Mon through Fri: 9.00am-9.00pm and Sat: 9.30am-5.30pm.

Acorn Car Insurance Contact Numbers
Customer Services01704 272 727
To make changes to your policy01704 339 000 (option 2)
24 Hour Helplines
Claims0345 092 0700 or text “CLAIM” to 83118

Policy Documents

To find out more about the conditions and exclusions, read the Acorn policy documents.

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Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.