O2 Drive Car Insurance Review: How Does it Compare?

O2 Drive Car Insurance Review: How Does it Compare?

Difficult to find product information online, but you might get a good deal if you're an existing O2 customer.

Good for

  • O2 customers might get a lower price
  • Includes most "must have" features

Bad for

  • Keys not covered for theft
  • No courtesy car for write off or theft
  • Not a robust website; little information available online
  • Higher cancellation fees, including during first 14 days
  • Calls to customer service are chargeable

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.

O2 Car Insurance News and Update

O2 stopped selling car insurance policies in 2020. Customers report on TrustPilot that Budget Insurance has taken over renewals for existing customers. Read our review of Budget Insurance here. If you want to compare quotes, including from Budget Insurance, click here to fill out a quote form and get quotes from up to 100 providers.

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Note: The following review is being kept for historical purposes only. The product is no longer available.

O2 are commonly known as mobile phone providers however they also offer car insurance too, under the name of O2 Drive. But with so many car insurers on the market, do O2 Drive offer value for money? Let’s take a look at what O2 Drive has to offer. To compare an O2 quote to other brands in the car insurance market, click the blue "Get Quotes" button below to see how much you can save.

Compare Cheap Car Insurance Quotes From 100+ Brands in Under 2 Minutes

^51% of consumers could save £264 on their car insurance

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^The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on QuoteZone/Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.

In This Review

O2 Drive Car Insurance Overall Review

There are many good features included in the O2 Drive comprehensive car insurance policy. This includes windscreen repair or replacement, cover for belongings and a courtesy car if you car is being repaired after an insured accident. However, there are more exclusions than you'll find on competing policies. For example, keys are covered—but only for theft not damage or loss, and if it can be established that the identity or the risk address of the car is likely to be known to any person in receipt of the keys.

Optional breakdown cover is provided by the RAC, and you’ll also receive up to 60 days cover when driving in the EU.

If you are an existing O2 customer you may be offered a lower deal, as they will work on your existing repayment history. At the time of writing, anyone who takes out a car insurance policy with O2 will also receive a free gift up to the value of £99 (a £25 Amazon.co.uk Gift Card, a pair of JBL Tune 110BT Wireless Earphones or a night in a hotel for two people)—subject to conditions, of course.

One interesting feature that’s available with O2 car insurance is their drive box, which monitors your driving and then sends the data back to O2. The aim is that it will not only make drivers safer but will also help reduce payments. Customers can access their scores via the O2 Drive app, along with tips to improve as well as to protect their no claims discount. So, if you know you are a careful driver and are looking for the lowest car insurance price, the O2 Drive box may work out as a great option.

Pay Monthly customers can buy O2 Drive car insurance in-store or over the phone; alternatively O2 Drive may be available from comparison sites such as Moneysupermarket.

O2 Drive car insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. Here is a high-level summary of O2 comprehensive cover features according to this specimen policy—remember, these features are always subject to conditions and exclusions and you should check your policy document and features before you buy in case they differ from this sample document.

How Good is O2 Car Insurance?A Good Policy IncludesDoes O2 Deliver?O2 Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
Included if use approved repairer

thumbs up

question mark
Included up to £500, for theft only and provided the identity or the risk address of the car is likely to be known to any person in receipt of such items
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up
If you buy the add on
Car recovery after accidentIncluded
thumbs up
Courtesy car (repairs)Minimum 14 days
thumbs up
Included while car being repaired
Repairs guaranteed12-month guarantee
thumbs up
Included (up to 3 years)
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old
thumbs up
Stereo and satellite navMarket value for manufactur fitted
thumbs up
Unlimited for equipment fitted as original equipment by the manufacturer or £500 for equipment permanently fitted to the car
Alternative transport & Hotel after accident£250+
question mark
Included £150 per person/£500 per group of 8 whichever is less
24-hour emergency helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
red x
Not included
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
Included (Max 60 days)
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
thumbs up
Up to £150
Larger/premium courtesy carStandard or add-on extra
thumbs up add on
If you buy the add on
Uninsured driver NCD protectionStandard
thumbs up
Included (you won't lose your NCD if an accident wasn't your fault and the other driver was uninsured)
Cancellation feeNo more than £50
red x

O2 Drive Car Insurance Customer Service Reviews and Ratings

It’s a mixed bag on the review front for O2 car insurance. Smart Money People rate O2 Drive at just 1.7 out of a possible 5 stars. Keep in mind that at just 48 contributions the sample is quite small, and most people are more likely to leave a review when they’ve had a bad experience, rather than a good one. But they fare better on Trustpilot.

O2 Car Insurance Reviews Trustpilot

O2 Drive has been rated with a trust score of 3.4 by Trustpilot. However, this score is based on just one customer review so should be taken lightly. That said, there is certainly some value to this review—the customer noted that while the O2 Drive quote was the cheapest they found, the O2 Drive website had been down for days for maintenance.

O2 Drive Ratings & Customer Reviews
Smart Money People1.7/5

Here is a selection of reviews that highlight some of the experiences and issues customers have had with O2 Drive:

"Simply great insurance and customer service! I had a claim and had to speak to they customer service department loads, they couldn't have been more helpful and happy."

"I have a black box, whenever checking my score my awareness and acceleration are well below 50/100 when my speed and time of driving are 98/100... I live in a hilly area, it’s like I’m expected to drive around without being allowed to touch the breaks or drive up a hill."

"Increased my insurance by £60 a year because of an accident that wasn't my fault."

O2 Drive Car Insurance Quote Comparison

We did a quick comparison check to see how competitive O2 Drive really is, based on the driver being a 30-year-old man driving a 2017 Ford Fiesta.

While prices will vary significantly depending on factors such as your age, how long you’ve been driving and your postcode, we found that O2 prices were somewhere mid market. However, this doesn’t take into account being an existing O2 customer, or the discounts that would arise from using the box, which needs to be installed in order to qualify for the discounts.

O2 Drive Car Insurance Deals

It does appear than existing O2 customers get the best deals when it comes to O2 Drive, as they work on your history with the company to find you the best deal.

Anyone who signs up for O2 Drive can either choose a £30 Amazon gift card, a second generation Amazon Echo Dot or a RAC 107 Dashcam.

It’s well worth signing up to the box which will help secure lower payments. The box is secured to your battery by O2 and will transmit data about your driving style, which if responsible will lower payments. You may also find cheaper deals depending on how you use your car and where you park it overnight such as on the street versus in a secure garage.

Cancellation fees

O2 Drive charges a £60 fee if you cancel your policy after the 14-day cooling off period (plus, of course, the cost for the period of cover you've had to date). And if a claim has been made then you'll need to pay all premiums that are due. For other changes, there's a £20 amendment fee.

Important O2 Drive Car Insurance Numbers

O2 Drive Car Insurance Contact Numbers
Customer Services, cancellations and general queries0330 018 0802
Get a quote0330 018 3302
RAC breakdown assistance0330 159 0717
Windscreen replacement/repairs0330 018 1152
Quotes for friends0330 018 3002
24-hour accident helpline & claims0330 018 8802


Yes, O2 does car insurance. It's called O2 Drive.
You can get an O2 Drive quote directly from O2 via the O2 website O2.co.uk or over the telephone via O2 telesales; alternatively, you can find O2 on comparison sites like www.comparethemarket.com and www.moneysupermarket.com.
O2 Drive car insurance is arranged and administered by BISL Limited, which is an independent intermediary, and is underwritten by a panel of insurers.
O2 doesn't charge a cancellation fee during the 14-day cooling off period, but after this point there's a £60 cancellation fee. (Plus premiums may be due for the period you were covered, or if you've made a claim.)
See this list of O2 Drive car insurance contact phone numbers to reach sales, customer service, claims, renewals and cancellations.

Policy Documents

To access your policy details log into the O2 Drive portal.

Other Car Insurance Reviews

If you'd like to compare O2 to other car insurance companies, see our other car insurance reviews below:


Our team of writers has expertise in business, car, travel, home and pet insurance as well as personal finance issues.


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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