Rooster car insurance review

Rooster car insurance aims to stand out from its competitors by offering car insurance quotes based on how its customers actually drive, rather than “crude demographics” such as age, occupation or marital status.

This might intrigue younger drivers, who are traditionally charged a lot more for car insurance.

In this guide, we’ll explore whether Rooster car insurance is an insurer worth considering.

How Rooster car insurance works

To receive a quote from Rooster car insurance, you’ll need to download the Rooster app and take a photo of your driving licence.

From there, you’ll need to make sure your phone is in your car for a few weeks’ worth of journeys. The Rooster app will then measure your driving behaviour and determine how good of a driver you are. You’ll then be offered a quote based on this rating.

These quotes are valid for 60 days. You can customise your policy and pay for it all within the Rooster app.

If you’re judged to be a bad driver, Rooster will refuse to insure you altogether. This allows it to pay out less in claims and pass the savings onto good drivers.

On top of that, you’ll receive £30 for every friend you refer.

Who is eligible for Rooster car insurance?

You have to be aged at least 20 and have 12 months or more of driving experience.

What types of policy are on offer?

Rooster offers comprehensive policies only.

Claims process

Rooster prides itself on a simple claims process.

When you need to make a claim, you’re encouraged to take photos of your vehicle to support the claim.

After that, you need to call 0333 400 1328 and give a few details of the incident. Rooster’s claims team will handle everything from there.

Rooster customer reviews

At the time of writing, Rooster car insurance had attracted 15 reviews on Trustpilot, receiving an average rating of 4.5 out of 5.

Pros and cons

Our verdict

Rooster car insurance works with a reputable underwriter and offers a revolutionary method of calculating quotes. It’s worth a shot if you’re willing to wait a few weeks for the results of your Test Drive.

Frequently asked questions

• Does Rooster car insurance offer telematics insurance?

  No, telematics insurance involves the installation of a “black box” in your vehicle. Rooster only requires you to download its app and drive with your phone in your car for a few weeks.

• How long do I need to drive with the Rooster car insurance app installed?

  It depends how often you drive. Rooster estimates that most motorists will need to drive with the app for around three weeks. Once you’ve completed the Test Drive and have been offered a quote, you no longer need to drive with the app.

• What qualifies me as a good driver in the eyes of Rooster car insurance?

  The Rooster App will consider how often you drive, what time of day you drive, your speed and the harshness of your braking among other factors. If you follow the rules of the road and are mindful of other drivers, you’ll be considered a good driver.

Written by

Danny Butler

Publisher

Danny was a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

Danny's expertise

Danny has written 292 Finder guides across topics including:

• Car, home and business insurance
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