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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
- Customer Reviews and Ratings
- Cost Comparison and Discounts
- Cancellation fees, phone numbers and policy documents
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:
- +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 Includes||Does MyPolicy Deliver?||MyPolicy Comprehensive Coverage (AXA)|
|"Must Have" Features|
|Windscreen||Full repair or replacement||Included|
|Belongings||£200+||Up to £300|
|Keys||£300+||Up to £1,000 (must report loss to police within 24 hours)|
|Protected NCD||2 times in 3 years (standard or optional extra)||If you buy the add on and have at least 5 years built up|
|Car recovery after accident||Included||Included|
|Courtesy car (repairs)||Minimum 14 days||Included whilst your car is undergoing insured repairs with approved repairer|
|Repairs guaranteed (if use approved repairer)||12-month guarantee||No guarantee|
|"Should Have" Features|
|New car replacement||Theft or damage at least 60% of list price; cars up to 12 months old; first owner||Included (if damaged, repairs more than 60% of manufacturers current list price)|
|Stereo and satellite nav||Market value for manufactur fitted||Unlimited cover for original, standard spec equipment; up to £500 for other permanently fitted equipment|
|Alternative transport & Hotel after accident||£250+||Up to £250|
|24-hour emergency helpline||Standard||Included|
|Courtesy car (total loss or theft)||Standard or add-on extra||Not available|
|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 93 days|
|Child car seat replacement after accident, theft, fire||Ideally replaced even if no visible damage||Up to £300|
|Larger/premium courtesy car||Standard or add-on extra||Not available|
|No fault NCD protection||Standard||Not available|
|Uninsured driver NCD protection||Standard||Included|
|Cancellation fee||No more than £50||£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, most of which are among the largest car insurance companies in the UK:
- Highway (LV)
- Equity Red Star
MyPolicy Car Insurance Customer Service Reviews and Ratings
Over 8,000 customers have rated MyPolicy with 4.6 out of 5 stars on Trustpilot, which is high for the insurance market.
|MyPolicy Ratings & Customer Reviews|
|Trustpilot customer service rating||4.6 out of 5|
We read hundreds of reviews to see what customers really say about their experiences with My Policy car insurance.
"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 Reviews.co.uk, 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.
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:
|Policy arrangement fee||£350|
|Change of vehicle||£150|
|Black box removal||£50|
|Cancellation fee within 30 days||£247 (or £75 if the black box hasn't been fitted yet)|
|Cancellation fee after 30 days||£75.00|
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 Services||0330 100 2337|
|Claims||0333 220 2039 (Aviva)|
|0344 873 8183 (Markerstudy)|
|0345 608 0230 (AXA)|
|0800 028 9655 (Highway/LV)|
|03451 2230 1824 (Ageas)|
|Glass Repair Helpline||03456023378 (Equity Red Star)|
Learn more about what is specifically covered or excluded in the policy documents, which vary by underwriter.
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: