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
• FAQs

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.

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.

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 manufacturer's current list price)
Stereo and satellite nav	Market value for manufacturer 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, some of which are among the largest car insurance companies in the UK:

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 reviews.io 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.

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 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.

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:

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.

Policy Documents

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

FAQs

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: