Coverbox Car Insurance Review

This is the ultimate review to guide you through Coverbox car insurance.

You might already know that Coverbox offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

• Better value for money for your car insurance
• Indicative quotes
• Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Coverbox the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Coverbox car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Coverbox

	Our rating	Our opinion
Customer service & satisfaction		Fast and easy process of generating quotes online No live chat feature available Low customer satisfaction rate on Trust Pilot Slow and tedious claim process Bad reviews on black box insurance
Cover provided		Their cover includes a black box that uses telematics system to record and analyze the driver’s skills Up to 90 days European travel cover Windscreen cover included as standard Courtesy car available as standard Level of cover available is Comprehensive only No wide range of covers available
Value for money		Slighly cheaper premiums than other telematics insurance companies High cancellation fee of £65 Unjustified hidden fees High renewal fees of £95
Financial strength for pay out		Coverbox is underwritten by a panel of some of the leading insurers in UK which gives it its high ability to pay out claims. Coverbox now goes by the name of Be Wiser Insurance after its administration was taken over.
Technology		User friendly website Protection against theft due to tracking technology in the black box Online portal tends to crash a lot Black box is prone to error

Expert and customer reviews on Coverbox

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Coverbox's reputation.

Review organisation	Consumer satisfaction rates for Coverbox
TrustPilot	2/5 based on more than 30 opinions

To check if Coverbox is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Our review on Coverbox car insurance policy

Coverbox Insurance is now a part of Be Wiser Insurance offering comprehensive telematics insurance covers.

Due to their low customer satisfaction rate, we would recommend whoever is looking to get a comprehensive telematics car insurance to consider Acorn Insurance due to their high customer satisfaction rate and reliability.

What does Coverbox car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Coverbox?

Car insurance policy	Available at Coverbox	Coverage in a nutshell
Third-Party Only		Passengers and third party covered Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft		Replacement of your car if stolen Damages caused due to theft or fire
Comprehensive		Cover third-party fire and theft Covers injuries to you and damages to your car

Main guarantees at Coverbox explained in details

Let's find out what does Coverbox covers in its car insurance policy.

Breakdown cover at Coverbox

Coverbox offers 3 levels of breakdown covers through their partners, RAC:
Roadside Assistance: this covers comes included as a basic breakdown cover in the telematics insurance policy offered by Coverbox. It covers roadside assistance if you face a breakdown 1/4 mile away from your home address. If they can’t repair your vehicle on the roadside, they’ll transport you, your vehicle and the passengers onboard to any destination of your choice provided it is within a 10 mile radius from the breakdown site. It also cover mis-fuelling by cleaning and flushing your tank and fill it with 10 litres of the correct fuel.
RAC Roadside, Recovery, Home & Onward Travel (Optional Extra): this covers the benefits that come with Roadside Assistance Breakdown Cover as well as Breakdown assistance if your car breaks down at your home address or within 1/4 miles from your home address. It also covers alternative transport or overnight accommodation in case your vehicle could not be repaired right there and then.
RAC European Motoring Assistance (Optional Extra): this covers all the benefits that come with the RAC Roadside, Recovery, Home and Onward Travel in the UK and Europe.

Keycare cover at Coverbox

£400 – £1,500 for replacements of keys and locks in the event of loss or theft as well as locksmith charges (amount of limit depends on insurance company that covers you).

Windscreen cover at Coverbox

• Windscreen cover may vary from policy to policy offered.
• Cover offered for windscreen repair or replacement is unlimited unless you opt to get it fixed at a repairer they don’t approve of. In that case, they’ll only cover for up to a maximum of £100 – £150.
• The windscreen cover is available as a standard in the telematics insurance that they offer.

Motor legal protection at Coverbox

Up to £100,000 to cover for legal costs and expenses when pursuing for compensation after an incident that wasn’t your fault.

Coverage abroad at Coverbox

Coverbox offers Third Party cover when traveling abroad up to a maximum of 90 days.

The cover applies to traveling in EU countries and other European countries that the Commission of the European Union approves as meeting the requirements of Article 8 of the European Union Directive on Insurance and Civil Liabilities arising from the use of motor vehicles (No.2009/103/EC).

No-Claim Bonus (NCB) at Coverbox

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. You can also opt for an NCB protection cover at an additional charge.

quick presentation of the black box insurance offered by the car insurance company

At Coverbox, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year) : 2 claims in 3 years

How much does Coverbox car insurance cost?

You'll find below indicative car insurance quotes at Coverbox:

Drivers'age	Monthly premium
18 years old	£115,61
40 years old	£47,67
60 years old	£35,15

Costs of Coverbox insurance car policies vary widely based on different factors such as:

• The driver’s age
• The date on which they received their driving licence
• The type of car
• Expected repair costs if the car is damaged
• The performance, safety and security of the car
• The driver’s address and how busy the streets in the neighbourhood are
• Who drives the car (any additional driver on the policy)
• The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.)
• Insurance taxes.

Is there any promo codes or discounts available at Coverbox?

Apart from NCD, you can also get more discounts on your premium based on your driving skills that will be recorded and analysed by the telematics black box. The better your driving score, the higher the discount you'll be entitled to.

Discount types	Comment
Discounts	Coverbox offers employee discounts. Amounts are not stated.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Coverbox car insurance policy summarized

Guarantees

	At Coverbox
NCB benefit	Yes
Uninsured driver NCB benefit	Yes
Loss or theft of keys	Excess- Not stated Limit- £400 - £500 as standard
Personal belongings	£100
Audio equipment	Excess- Not stated Limit- £500
Medical expenses	Excess- Not stated Limit- £100 - £200
Liability limit for property damage	£20,000,000
Legal expense	£100,000
Courtesy car benefit	As standard
Courtesy car cover	Duration of repair of your car.
Coverage abroad	90 days

Excess

	At Coverbox
Fire excess	Excess- Not stated Limit- £250 for child car seat
Theft excess	Excess- Not stated Limit- £250 for child car seat
Accidental damage excess	Excess- Not stated Limit- Not stated
Windscreen replacement excess	Excess - £10 - £60 Limit- £100 if you used a non-approved repairer
Young driver excess	£150 - £250

Admin fees

	At Coverbox
Interest charged by payment installments	Not Stated
Renewal fees	£95
Cancellation fees	Cancellation fee within 14 days after purchase of policy (Cooling off Period): £65 Cancellation fee beyond 14 days (Cooling off Period): £65
Modification fees	Mid-Term Adjustment fee: £35

Other car insurance policies available at Coverbox

Coverbox black-box insurance

Coverbox’s insurance policy is a comprehensive Black Box Cover. The black box uses telematics to analyze driving habits such as speed, braking, cornering and acceleration and creates a report which determines the price of the premium you’ll be charged during renewals. The better your driving score is, the lower prices you’ll get on your premium.

In addition to its ability to track driving habits, the black box also has a GPS technology allowing it to track the vehicle. This acts as extra protection against theft.

Coverbox business car insurance

Cover for business car may be available provided you inform them. In case of any change such as using your once personal car for business (which may mean commuting to and from work) , you’re supposed to let them know as soon as possible.

How to contact Coverbox auto insurance?

Coverbox phone numbers

You will find all important phone numbers to contact Coverbox car insurance:

	Contact number	Opening hours
Customer service	0800 990 3133	Monday to Friday: 8am to 6:30pm
Complaints	0800 990 3131	Monday to Friday: 8am to 6:30pm
Renewals	0800 990 3131	Monday to Friday: 8am to 6:30pm
Breakdown	0800 887 766	Available 24/7
Windscreen	0800 174764 (Ageas Glass Line)	Available 24/7
Breakdown	0333 999 0833	Not Stated

Coverbox other contact details

You'll find below Coverbox main contact details:

	Contact details of Coverbox
Email address	[email protected]
Customer account with Coverbox login	My account
Social media	Facebook, Twitter
Chatbot	No

You can also contact them by mail by writing to Coverbox car insurance:

Drive Wiser
Be Wiser Insurance Services Ltd
Barrett House
Savoy Close
Andover
Hampshire
SP10 2HZ

How to cancel your car insurance at Coverbox?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Coverbox as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Coverbox has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

You would need to have various documents ready such as:

• your policy number (right hand corner of your documents);
• your bank details; and
• your payment method in case there are cancellation fees.