Quote Me Happy Car Insurance Review: Online cover from Aviva

Quote Me Happy Car Insurance Review: Online cover from Aviva

A "budget" brand from Aviva, but beware a few missing features and lack of a customer service call centre.

Good for

  • More affordable cover from Aviva
  • Recovery and transportation after an accident
  • 3-year repair guarantee
  • Motor legal

Bad for

  • No customer service call centre
  • Cancellation fees even during the cooling-off period
  • Key cover is extra
  • No cover for child seats

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.

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QuoteMeHappy.com is an online car insurance brand from Aviva. They're an online brand which means you might find a cheaper quote from them, but does QuoteMeHappy offer good value for money? And what is missing on QuoteMeHappy policies? Let’s take a look at what QuoteMeHappy has to offer and what customers have to say.

In This Review

QuoteMeHappy Car Insurance Overall Review

QuoteMeHappy car insurance offers a 4-star defaqto rating, failing to get a top mark due to some missing features, and the email-only customer service and claims are a problem for some people; but despite this the company rates well by existing customer on Trustpilot achieving 4.6 out of 5 stars.

QuoteMeHappy is an "online" company, a business model with pros and cons. On the plus side, prices are often lower because they don't need to maintain an expensive call centre. On the negative side, customer service can be very frustrating to reach. Instead of picking up the phone and calling to sort out a question or problem, you'll need to reach out via social media or email and wait to be called or emailed back.

5 Things to Know About QuoteMeHappy

  1. As an online company, to reach QuoteMeHappy customer service you need to use EMAIL (not a phone)
  2. QuoteMeHappy is UNABLE to change the payment dates if you prefer a different direct debit day
  3. Child car seats are NOT covered for replacement after an accident
  4. Keys are NOT covered as standard like on many policies (but key cover can be bought as an add on)
  5. QuoteMeHappy is part of Aviva, one of the biggest UK car insurance companies

Consumers can buy QuoteMeHappy car insurance from their website or from comparison sites such as Moneysupermarket. They are not part of our partner's panel, where you can get quotes from over 100 providers here.


In terms of features, QuoteMeHappy comprehensive car insurance policies offer some good features such as windscreen repair or replacement, rescue after an accident, motor legal as standard and a courtesy car if your car is being repaired by their team after an insured accident.

However, there are a few missing features. For example, keys are not covered unless you buy the add on—however, with the add on you get up to £1,000 for a dongle and claims won't affect your car insurance no claims discount. Breakdown cover is also an optional extra (costing around £30) and is provided by the RAC.

Parents beware: Child car seats are not covered after an accident with QuoteMeHappy. The Royal Society for the Prevention of Accidents recommends not buying a second-hand car seat because it could have damage that is not visible—as a result many parents like to have their car seats replaced for safety reasons if they've been in an accident. Given the high cost of car seats, many parents look for this feature in a car insurance policy.
Those heading off on a road trip can enjoy up to 90 days cover when driving in the EU (included as standard and longer than you might find elsewhere).

QuoteMeHappy car insurance is underwritten and administered by Aviva Insurance Limited. Here is a high-level summary of QuoteMeHappy 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 QuoteMeHappy Car Insurance?A Good Policy IncludesDoes QuoteMeHappy Deliver?QuoteMeHappy Comprehensive Coverage
"Must Have" Features
WindscreenFull repair or replacement
thumbs up
Included (use their repairers)
question mark
Included but just up to £150
thumbs up add on
If you buy the add on
Protected NCD2 times in 3 years (standard or optional extra)
thumbs up add on
If you buy the add on (terms differ for 3, 4 or 5+ years of NCD)
Car recovery after accidentIncluded
question mark
Included, if you have never been in an accident
Courtesy car (repairs)Minimum 14 days
thumbs up
Repairs guaranteed (if use approved repairer)12-month guarantee
thumbs up
3 years (or remainder of warranty if car more than 3 years old)
"Should Have" Features
New car replacementTheft or damage at least 60% of list price; cars up to 12 months old; first owner
thumbs up
If damage repair will cost more than 60% of the list price when you bought it
Stereo and satellite navMarket value for manufactur fitted
question mark
Either up to £500 or £1,000 depending on the policy
Alternative transport & Hotel after accident£250+
question mark
Transport for you and your passengers home or for the completion of your journey (but no mention of accommodation if necessary).
24-hour emergency helplineStandard
thumbs up
Courtesy car (total loss or theft)Standard or add-on extra
thumbs up add on
Up to 21 days, minimum of 5
Motor legal expensesStandard or add-on extra
thumbs up
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 90 days
Child car seat replacement after accident, theft, fireIdeally replaced even if no visible damage
red x
Not covered
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
If you buy the add on
Cancellation feeNo more than £50
thumbs up
£25 within the 14-day cooling off period; £50 after

QuoteMeHappy Car Insurance Customer Service Reviews and Ratings

QuoteMeHappy Ratings & Customer Reviews
Defaqto4 star ratings
Trustpilot4.6 stars

Is QuoteMeHappy car insurance any good? QuoteMeHappy car insurance gets 4 out of 5 stars from Defaqto, which is an indication of the features provided. While we agree that QuoteMeHappy car insurance includes some good-to-have features but is missing others, their customer reviews are generally quite good—especially considering that customer service operates online. In fact, most people would recommend QuoteMeHappy despite difficulties reaching customer service, which can be an issue for some people. We've scoured reviews left by customers online; here's what we found.

QuoteMeHappy Trustpilot

QuoteMeHappy has earned a very respectable 4.6 star rating from close to 35,000 customers at Trustpilot, with 78% of customers rating their experience as excellent. Here are some examples of positive comments left on Trustpilot by QuoteMeHapp.com policyholders:

"Very simple web page. Quickly review all details which are standard on a comprehensive policy. Excellent cover and the price was the same as last year."

"I have been with QMH for a few years now, every year I cross check my renewal quotation and within a few pounds it is always competitive. User friendly software that allows you to change various parameters within your details to immediately see the cost effectiveness of them."

Most of the negative reviews we read relate broadly to difficulty with customer service issues. Certainly, communicating with customer service is more of a challenge when you buy from an online company, so be prepared for delays when dealing with QuoteMeHappy customer service and claims should you go with them and any issues arise. Here are a few samples to give you an idea of common complaints for QuoteMeHappy.com:

"My wife, who has had the mishap did get through to a human and was advised the claim process is online. She filed the claim and was presented with your list of local repairers, none of whom are brand authorised and the nearest s is 20 miles away."

"Only an online service, had trouble logging into the account, took them a very long time to answer my emails. Emails back with generic answer and not actually reading the questions. No way of calling them and speaking to customer services."

"My wife has just lost 4 years no claims bonus with her policy ... as they only give out 9 years maximum ..."

QuoteMeHappy Defaqto

QuoteMeHappy has received a 4 star rating from Defaqto. While we don't know the inner workings of the Defaqto grading system, we suspect this is due to QuoteMeHappy policies missing a few features as standard, including child car seat cover and key cover.

QuoteMeHappy Car Insurance Quote Comparison

We did a quick comparison check to see how competitive QuoteMeHappy really is to use, based on a sample driver who's a 30-year-old male 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, and even vary from day to day, we found that QuoteMeHappy prices were somewhere low to mid market when compared to competing "budget" offers from five of the largest auto insurance companies.

ProfileHastings Smart MilesQuotemehappy (Aviva)Admiral Little BoxBell (Admiral Group)Churchill (Direct Line Group)LV=
20 year old male, 3 years licence, 3 years no claims£767n/a£933£2,810n/an/a
25 year old male, 7 years licence, 5 years no claims£587£754£810£709£549£969
25 year old male, 2 years licence, 2 years no claims£735£995£823£2,480£834£1,510
30 year old male, 12 years licence, 5 years NCD£751555£718£648£418£770
chart showing a cost comparison of Bell, Hastings, Quotemehappy, Hastings Smart Miles, Admiral Little Box, Churchill and LV=

Please keep in mind that these are estimates for a sample profile, and you may receive quotes that are significantly more or less than these.

QuoteMeHappy Car Insurance Deals

QuoteMeHappy can offer good deals because they are an "online" car insurance company so don't have to maintain costly call centres. If you have an issue to discuss with customer service you'll need to do this over email instead of just picking up the phone.

Other ways you can save money include paying annually instead of monthly instalments (car insurance companies usually charge interest when you pay monthly because they are essentially extending credit) and being selective about the optional extras you choose to add to your policy.

QuoteMeHappy Cancellation fees

QuoteMeHappy charges a £25 fee if you cancel your policy during the 14-day cooling-off period, and £50 afterwards. Plus, of course, you may be charged Insurance Premium Tax and the cost for the period of cover you've had to date. And if a claim has been made under "Section 1. Loss of or damage to your car" then you won't get any kind of premium refund (e.g., for the remainder of the policy).

Despite QuoteMeHappy being an online company they charge £12 for changes made to your policy. If admin changes result in a "riskier" profile then, of course, your premium may also go up.

Important QuoteMeHappy Car Insurance Numbers

QuoteMeHappy Car Insurance Contact Numbers
Customer service helpQuoteMeHappy customer service
Claims0345 030 6944
To report an accident0345 030 6902

QuoteMeHappy Policy Documents

We've tried to highlight some notable features of comprehensive QuoteMeHappy policies in this review. To learn more about the full terms, exclusions and conditions please refer to the QuoteMeHappy.com policy wording.


  • Q: Does QuoteMeHappy give a discount for a second car?
  • A: QuoteMeHappy offers multicar policies but only up to 2 cars. You can insure a third car, but you won't get a further discount for this car.
  • Q: Can you call QuoteMeHappy when a customer?
  • A: You can only call QuoteMeHappy if you have an accident or a claim. QuoteMeHappy.com does not have a phone number for customer service queries. If you want to talk to customer service about another matter, you can request a call back through Facebook if you PM them your full name, contact number, overview of your query and policy/claim number.
  • Q: How do you email QuoteMeHappy customer service?
  • To reach QuoteMeHappy customer service try emailing [email protected] with your full name, policy number and details of your query.
  • Q: Do you get charged for changing your address on QuoteMeHappy?
  • A: You won't be charged an admin fee for changing your address with QuoteMeHappy (since you do it yourself through your account online), but the new address might result in a change to your premium.
  • Q: Does QuoteMeHappy include breakdown?
  • A: QuoteMeHappy doesn't include breakdown as standard but it can be purchased for £28.04 (price at Moneysupermarket).
  • Q: When will I get my renewal price from QuoteMeHappy?
  • A: Your renewal invitation will be emailed to you 28 days before your renewal date.
  • Q: What's the maximum No Claims Bonus at QuoteMeHappy?
  • A: QuoteMeHappy gives a maximum of 9+ years of No Claims Discount. Since they are not able to display more than 9+ years NCD on your documents, drivers essentially "lose" any NCD beyond this that they've built up.

Other Car Insurance Reviews

If you'd like to compare QuoteMeHappy 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.


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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