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Read about Hedgehog car insurance to see if it offers a good set of features and to learn about how existing policyholders rate Hedgehog's customer service.
In This Review
- Hedgehog Car Insurance: Overall Review
- Customer Reviews and Ratings
- Cost Comparison and Discounts
- Phone numbers and policy documents
Hedgehog Car Insurance Overall Review
If you're looking for a good price on a policy with a solid set of features, Hedgehog would be a good brand to consider. Customers rate the company very highly, for accessibility and price, and defaqto awarded Hedgehog with 5 stars for their features. Berkshire Hathaway International Insurance Limited underwrites Hedgehog policies. While they're not one of the largest UK car insurance companies, it is the world's 10th-largest company by revenue.
We checked the Hedgehog policy wording on their website and found policies are loaded with some great features, including a courtesy car, key cover, windscreen repair, personal injury cover, stereo cover and cover in Europe. Those looking for motor legal protection, breakdown or premium hire car cover (a premium courtesy car, including if yours is stolen or written off after an incident) can add these features for an additional premium.
|How Good is Hedgehog Car Insurance?||A Good Policy Includes||Does Hedgehog Deliver?||Hedgehog Comprehensive Coverage|
|"Must Have" Features|
|Windscreen||Full repair or replacement||Included|
|Belongings||£200+||Up to £250|
|Keys||£300+||Up to £500 for loss or theft|
|Protected NCD||2 times in 3 years (standard or optional extra)||If you buy the add on|
|Car recovery after accident||Included||Included|
|Courtesy car (repairs)||Minimum 14 days||Included|
|Repairs guaranteed||12-month guarantee||Included, 5 year guarantee|
|"Should Have" Features|
|New car replacement||Theft or damage at least 60% of list price; cars up to 12 months old||Included (when cost of repairing the damage is more than 59% of the manufacturer’s list price)|
|Stereo and satellite nav||Market value for manufactur fitted||Up to 15% of the value of your car up to a maximum of £1000, for equipment permanently fitted to car.|
|Alternative transport & Hotel after accident||£250+||Up to £300 per event (max £50 per person in car for hotel for one night and £100 for travel expenses)|
|24-hour emergency helpline||Standard||Included|
|Courtesy car (total loss or theft)||Standard or add-on extra||If you buy the add on (up to 21 days)|
|Motor legal expenses||Standard or add-on extra||If you buy the add on|
|Breakdown cover||Standard or add-on extra||If you buy the add on|
|"Could Have" Features|
|Same cover in EU||Standard or add-on extra||Up to 90 days|
|Child car seat replacement after accident, theft, fire||Ideally replaced even if no visible damage||Up to £300 per accident for theft or damage in fire or accident, but only if there's impact damage to the child car seat(s)|
|Larger/premium courtesy car||Standard or add-on extra||If you buy the add on|
|No fault NCD protection||Standard||Not available|
|Uninsured driver NCD protection||Standard||Included|
|Cancellation fee||No more than £50||£50 cancellation fee|
Hedgehog Car Insurance Customer Service Reviews and Ratings
Hedgehog customers report a very good customer experience, with nearly 1,500 customers ranking the company with 4.7 out of 5 stars on Reviews.io. Reading the reviews, customers have pointd out that even though Hedgehog customer service is only available online, that customer service is quick to respond, via both email and live chat. Customers also remark on good prices and value for money.
Hedgehog received a 5-star rating for their car insurance from defaqto, which is a measure of the features on offer not customer service.
|Elephant Ratings & Customer Reviews|
|Reviews.io customer service rating||4.7 out of 5|
Hedgehog Car Insurance Quote Comparison
As an online car insurance company, Hedgehog has customers manage their policies online—as a result they're able to offer lower prices than you might find elsewhere. Hedgehog is available on comparison sites, so it's easy enough to compare prices against comparable policies.
Hedgehog Car Insurance Discounts
There are a number of ways to save money on Hedgehog car insurance, such as lower prices for a safe driving history, no claims discounts and paying in full every year.
|No Claims Discount||Each year you don't make a claim should increase your no claims discount|
|Pay upfront||Pay your full premium at the start of the policy to save money (variable APR)|
|Buy your policy early||Try to buy your policy around 3 weeks ahead of the start date to save up to 50%|
|Multi-Vehicle policies||Save money by insuring more than one car together|
Hedgehog has quite a few different cancellation and other administration fees. If you anticipate canceling your policy (e.g., if you're planning to sell your car) then you might want to keep these fees in mind. For a full list of their fees and charges click here, but here are a few of the more common charges:
|Hedgehog administration fees|
|New policy or renewal fee||£10|
|Customer cancels policy||£50|
|Change of occupation, name or marital status||£10|
How Accessible are Hedgehog Car Insurance Customer Service and Helplines?
As an online company, there isn't a phone number to call to talk to customer service. In order to reach Hedgehog customer service there's an online chat function that has a Help Robot available 24/7, and their customer service team is available via the chat on Monday to Friday 9am - 5.30pm. (In our experience, the help robots are not usually very helpful, however). Customers can also email customer service at [email protected]
|Hedgehog Car Insurance Contact Numbers|
|Customer Services||not available (online chat or email only)|
|24 Hour Helplines|
|Claims||0330 058 7330|
|Autoglass||0344 248 2164|
|Breakdown service (if you bought the add on cover)||0333 043 8665|
You can read about the nuances of Hedgehog cover in their policy documents.
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