Hedgehog Car Insurance Review: A Good Set of Features?

Hedgehog Car Insurance Review: A Good Set of Features?

Hedgehog is an online car insurance company with decent prices and good features. If you're comfortable with accessing customer service via online chat instead of over the phone, then Hedgehog might be a good option to consider.

Good for

  • 5 star defaqto rating
  • Good set of features
  • Highly rated customer service

Bad for

  • No customer service telephone access

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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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

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 IncludesDoes Hedgehog Deliver?Hedgehog Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
thumbs up
Up to £250
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Up to £500 for loss or theft (excluding theft by an immediate family member)
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on
Car recovery after accidentIncluded
thumbs up
Courtesy car (repairs)Minimum 14 days
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Repairs guaranteed12-month guarantee
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Included, 5 year guarantee
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
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Included (when cost of repairing the damage is more than 59% of the manufacturer’s list price)
Stereo and satellite navMarket value for manufacturer fitted
question mark
Up to 15% of the value of your car up to a maximum of £1000, for equipment permanently fitted to your car.
Alternative transport & Hotel after accident£250+
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Up to £300 per event (max £50 per person in car for hotel for one night and £100 for travel expenses)
24-hour emergency helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up add on
If you buy the add on (up to 21 days)
Motor legal expensesStandard or add-on extra
thumbs up add on
If you buy the add on
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
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Up to 30 days
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
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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 carStandard or add-on extra
thumbs up add on
If you buy the add on
No fault NCD protectionStandard
red x
Not available
Uninsured driver NCD protectionStandard
thumbs up
Cancellation feeNo more than £50
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£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 4.67 out of 5 stars on Reviews.io.

Reading the reviews, customers have pointed 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.

One customer said:

Hedgehog thanks for making it easy definitely one of the best car insurance companies honestly I'm not just saying that but if anyone is looking to get insured and want peace of mind then hedgehog is really good and easy to set up

Another customer agreed with the ease of Hedgehog's services:

It was quick and easy to get insurance and when I needed to make a change before the policy started it was processed quickly and with no fuss

Hedgehog received a 5-star rating for their car insurance from defaqto, which is a measure of the features on offer, not customer service.

Hedgehog Ratings & Customer Reviews
Reviews.io customer service rating4.67 out of 5
Defaqto5 star

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.

DiscountWho qualifies?
No Claims DiscountEach year you don't make a claim should increase your no claims discount
Pay upfrontPay your full premium at the start of the policy to save money (variable APR)
Buy your policy earlyTry to buy your policy around 3 weeks ahead of the start date to save up to 50%
Multi-Vehicle policiesSave money by insuring more than one car together

Cancellation Fees

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 Servicesnot available (online chat or email only)
24 Hour Helplines
Claims0330 058 7330
Autoglass0344 248 2164
Breakdown service (if you bought the add on cover)0333 043 8665

Policy Documents

You can read about the nuances of Hedgehog cover in their policy documents.

Other Car Insurance Reviews

If you'd like to compare Hedgehog to other car insurance companies, see our other car insurance reviews below:

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.


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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