MyPolicy Car Insurance Review: Cover at the Right Price?

MyPolicy Car Insurance Review: Cover at the Right Price?

Good features and generally happy customers for a telematics plan, but be aware that damage repairs are not guaranteed

Good for

  • Solid customer reviews
  • Good set of features

Bad for

  • No guarantee on damage repairs
  • Higher cancellation fees
  • Customer service closed Sundays

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.

Cheap Car Insurance in Your Area

Quickly compare over 15 UK insurance providers.

{"applyCallToAction":"Get Quotes","defaultSelectedItem":"car","description":"Quickly compare over 15 UK insurance providers.","formType":"Insurance","onCurrent":true,"options":[{"label":"Car Insurance","url":"https:\/\/\/car-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"car"},{"label":"Home Insurance","url":"https:\/\/\/home-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"home"},{"label":"Motorbike Insurance","url":"https:\/\/\/bike-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"motorbike"},{"label":"Pet Insurance","url":"https:\/\/\/pet-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"pet"},{"label":"Travel Insurance","url":"https:\/\/\/travel-insurance?id=76f4ecd6e1ca7c2f442633593566fdaa","value":"travel"}],"title":"Cheap Car Insurance in Your Area"}

How do MyPolicy car insurance offerings compare? To help decide if their car insurance might be suitable for you, find out how MyPolicy features compare and how existing policyholders review their customer service.

In This Review

MyPolicy Car Insurance Overall Review

MyPolicy offers telematics car insurance to help keep prices low for safe, young drivers. Customer reviews are solid and so is the set of standard features.

In addition to tracking safe driving through telematics, MyPolicy also prioritises mileage when pricing their plans. This can be beneficial if you don't drive a lot, but either way if you take out MyPolicy car insurance be sure that your actual mileage lines up with what you've declared to MyPolicy or your policy could be canceled.

MyPolicy can cancel a car insurance policy for exceeding the declared mileage. This means it's important to try to accurately estimate your annual mileage correctly when you take out the policy—and if your driving patterns change after you've taken out the policy then it's best to proactively tell MyPolicy to increase the expected mileage. You may need to pay an additional premium. Here are some examples that my trigger cancellation due to excess mileage.

Your policy will be automatically canceled if, for instance:

  • 25% of the amount declared is consumed within the first 2 months of taking out a policy
  • 90% of the amount declared is consumed within the first 3 months of taking out a policy
  • 100% of the amount declared is consumed

Anyone taking out MyPolicy car insurance also needs to be extra careful not to speed or their insurance might be canceled. Exceeding the speed limit by 50% or exceeding 100mph triggers an automatic policy cancellation.

Your policy will be automatically canceled if:

  • 30+ mph is recorded in a 20 mph zone
  • +45 mph is recorded in a 30 mph zone
  • +60 mph is recorded in a 40 mph zone
  • +75 mph is recorded in a 50 mph zone
  • +90 mph is recorded in a 60 mph zone
  • Speed in excess of 100 mph is recorded

We took a look through the policy documentation on the MyPolicy website to see what've covered by a plan underwritten by AXA to see how it stacks up against what you'd ideally get from a good policy. Keep in mind that half a dozen companies underwrite MyPolicy car insurance, and features may vary depending on your plan.

How Good is MyPolicy Car Insurance?A Good Policy IncludesDoes MyPolicy Deliver?MyPolicy Comprehensive Coverage (AXA)
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
thumbs up
Up to £300
thumbs up
Up to £1,000 (must report loss to police within 24 hours)
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on and have at least 5 years built up
Car recovery after accidentIncluded
thumbs up
Courtesy car (repairs)Minimum 14 days
thumbs up
Included whilst your car is undergoing insured repairs with approved repairer
Repairs guaranteed (if use approved repairer)12-month guarantee
red x
No guarantee
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old; first owner
thumbs up
Included (if damaged, repairs more than 60% of manufacturer's current list price)
Stereo and satellite navMarket value for manufacturer fitted
thumbs up
Unlimited cover for original, standard spec equipment; up to £500 for other permanently fitted equipment
Alternative transport & Hotel after accident£250+
thumbs up
Up to £250
24-hour emergency helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
red x
Not available
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
thumbs up
Up to 93 days
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
thumbs up
Up to £300
Larger/premium courtesy carStandard or add-on extra
red x
Not available
No fault NCD protectionStandard
red x
Not available
Uninsured driver NCD protectionStandard
thumbs up
Cancellation feeNo more than £50
red x
£30 during cooling-off period; £75 after cooling-off period

Who Underwrites MyPolicy Car Insurance?

MyPolicy car insurance is underwritten by a panel of companies, some of which are among the largest car insurance companies in the UK:

  • AXA
  • Highway (LV)
  • Mulsanne

MyPolicy Car Insurance Customer Service Reviews and Ratings

Over 10,000 customers have rated MyPolicy with 4.6 out of 5 stars on Trustpilot, which is high for the insurance market. Their rating on is not nearly as good (only 1.4 out of 5), but is only based on a few dozen customers so we wouldn't say that score is a reliable indicator compared to the 10,000+ who've left reviews on Trustpilot.

MyPolicy Ratings & Customer Reviews
Trustpilot customer service rating4.6 out of 5

We read hundreds of reviews to see what customers really say about their experiences with My Policy car insurance. While the vast majority of comments were very positive, the complaints seemed to center around long wait time when trying to contact customer service and issues related to the mileage.

"The member of staff I spoke with was ever so friendly and helpful he spoke me through my policy and helped me understand as im a new driver and this is my first time insuring my car since passing my test."

"Very helpful, first time we have used a telematics box but MyPolicy we’re really reassuring and made everything very clear."

"If you need to contact them for anything then be prepared to wait at least 2 hours on hold! They ask you to call to validate your insurance which is an OVER 2 HOUR WAIT!"

"We bought a package with 4000 preset miles, they have constantly sent emails over the first month of being with them threatening to cancel my policy unless I buy extra miles, we had already told them we were not going to use all the miles anyway because we were planning to cancel the policy after 2 months of use. Yet they still keep trying to cancel our policy unless we ring them and buy more miles, so every week I have to wait on hold for hours to explain the same thing over and over again."

"By far the best insurance company I have ever used and would highly recommend to any one looking for first time insurance, were extremely helpful regarding a claim extremely fair and understanding and were extremely helpful in the of purchasing top up miles—and offer competitive prices!"

"I was really stuck with my miles and she completely sorted them for me all in 5 minutes. No stress at all! "

What are the most common negative reviews? It seems that some of the most common complaints relate to difficulties with the website and reaching customer service staff to resolve issues. Here is a sample of customer reviews from Trustpilot:

"Wouldn’t let me change direct debit date, told me if I want to change you need to cancel your policy and start again. "

"Web site & systems don't work. Impossible to speak to someone about problems, even the online chat does not work."

Customers only rate MyPolicy with 1.7 stars on, with many complaints again about being charged extra for going over mileage—but it's worth noting this score only reflects 37 customer reviews at the time of writing which is not statistically significant.

Cancellation Fees

MyPolicy fees are quite high. Be aware that you'll be charged a cancellation fee should you choose to cancel during the 14-day cooling-off period:

MyPolicy Fees
Policy arrangement fee£350
Admin fee (changes made during the year)£25
Renewal fee£75
Change of vehicle£150
Black box removal£50
Cancellation fee within 30 days (Professionally Installed Devices)£247 (or £75 if the black box hasn't been fitted yet or it's a self-install device)
Cancellation fee after 30 days£75.00

Renewed policies may have lower cancellation fees (e.g. £0 during cooling off period).

Important MyPolicy Car Insurance Phone Numbers

MyPolicy customer service is open 5 days a week, with customer service lines open Monday to Friday from 9am to 5:30pm. Claims numbers vary depending on which company has underwritten your policy.

MyPolicy Car Insurance Contact Numbers
Customer Services0330 100 2337
Claims0333 220 2039 (Aviva)
0344 873 8183 (Markerstudy)
0345 608 0230 (AXA)
0800 028 9655 (Highway/LV)
03451 2230 1824 (Ageas)
Glass Repair Helpline03456023378 (Equity Red Star)
08006781010 (Highway/LV)

Policy Documents

Learn more about what is specifically covered or excluded in the policy documents, which vary by underwriter.


MyPolicy is a car insurance broker who works with AXA, Highway Insurance (Part of LV) and Mulsanne to provide young driver, low mileage and commercial vehicle insurance.
MyPolicy low mileage and young driver plans should include windshield replacement, but check your policy documents to be sure.
The MyPolicy Telematic Smart Box measures acceleration, braking, speed, cornering, time of use, mileage, vehicle location and types of roads used (e.g., city, motorways, country lanes). Each journey is scored between -10 and 10. A score of +1 to +10 is a good journey score. A score of -5 to 0 indicates a below average journey, which will trigger an email or sms notification to you to improve your driving. A score of -10 to -6 is a high risk journey, which also triggers notification. In addition, accumulating 2 or more "high risk" scores means action may be taken, such as requiring an additional premium or cancellation. Learn more.
There are no curfews with MyPolicy black box policies. However, driving at higher risk times like late at night may impact your driver score. Here's how the MyPolicy score works.
Policyholders are insured to drive as soon as their policy begins. However the black box must be fitted within seven days of the start of the policy. For more information read this review of MyPolicy black box car insurance.
You should be able to change your car with MyPolicy but you may be asked to pay a higher premium and a change fee. For example, the reinstallation charge for black box plans is £150 if you change your vehicle.
To access MyPolicy insurance documentation you can either log in to the customer dashboard.

Other Telematics Car Insurance Reviews

If you'd like to compare MyPolicy to other car insurance companies with black box telematics policies, see some of our other black box car insurance reviews below:

Erin Yurday

Erin Yurday is the 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.

Car Insurance

  • You could save up to £530*
  • 4.8 out of 5 stars**
  • Quotes from 100+ providers

Motor Insurance Reviews

NimbleFins Newsletter

Get deals, tips, news, and more!