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

  • Good set of features
  • Highly rated customer service

Bad for

  • No customer service telephone access

Editor's Rating

4.0/5.0

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 we think they have a solid set of features. Mulsanne Insurance Company Limited underwrites Hedgehog policies, along with Covea, Markerstudy, Sabre, ERS and Eridge. While these are not some of the largest UK car insurance companies, Hedgehog seems to have put together some good policies.

We checked the Hedgehog policy wording for policies underwritten by Mulsanne 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
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Included
Belongings£200+
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Up to £250
Keys£300+
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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)
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If you buy the add on
Car recovery after accidentIncluded
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Included
Courtesy car (repairs)Minimum 14 days
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Included for duration of repairs
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
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Market value for original fitted; else 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
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Included
Courtesy car (total loss or theft)Standard or add-on extra
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If you buy the add on (up to 21 days)
Motor legal expensesStandard or add-on extra
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If you buy the add on
Breakdown coverStandard or add-on extra
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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
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If you buy the add on
Uninsured driver NCD protectionStandard
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Included
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 over 3,000 customers ranking the company with 4.7 out of 5 stars on Reviews.io. Trustpilot reviews award a slightly lower star rating to Hedgehog, where it's earned 4.3 out of 5 stars, but this is still excellent for car insurance.

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"

Here are some more comments that you will hopefully find helpful:

"Very easy to obtain a quote from a well designed and friendly website. Received as very helpful confirmation email with all of the relevant details clearly set out."

"They have the best customer service team by far. Quick responses, friendly and they make sure you leave the chat with the utmost satisfaction. "

"The site is possibly the easiest one I've used from a UX perspective, I really like it."

"Was simple and easy to book and get done at auto glass centre."

"I found it very easy to purchase insurance through hedgehog. With more than 3 points on my licence I expected my policy to be sky high, but I found the prices with hedgehog to be both reasonable and affordable. They also done their own checks on my no claims bonus meaning I didn’t have to retrieve this from my previous insurance, making the move over much easier."

"Really quick to resolve. Very happy and grateful to have been able to get back on the road."

"My enquiry and quote for change was done entirely online and in less than 5 minutes with my new policy ready to view and download. Absolutely faultless."

Hedgehog Ratings & Customer Reviews
Reviews.io customer service rating4.7 out of 5
Trustpilot4.0 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 and is in our comparison panel, so it's easy enough to compare prices against comparable policies. Get started below!

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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 feeup to £30
Customer cancels policy (within 14 days)£50
Customer cancels policy (after 14 days)£60
Change vehicle or driver£30
Change of occupation, name or marital status, other£0 - £30

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.

Comments

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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