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Sky Insurance car insurance review

Find out whether Sky Insurance’s bespoke car cover works for you.

Are you looking for the best car insurance for your high-performance car? Sky Insurance says it doesn’t believe in “one size fits all” when it comes to insurance. Instead, this specialist insurance broker promises to tailor each policy to the individual.

Who is Sky Insurance?

Sky Insurance has been going for more than 30 years and is a specialist insurance broker offering a wide range of products including car, van, household and business insurance, along with temporary cover, and protection for learner and young drivers. It also offers specialist car insurance for imported, modified and performance cars.

Sky Insurance is the trading name of Sky Insurance Services Group Ltd.

Who underwrites the car insurance from Sky Insurance?

Sky Insurance works with a panel of insurers, including Marker Study, Ageas, AXA, Aviva and Highway in order to provide bespoke car insurance products. Sky Insurance Services Group Ltd is authorised and regulated by the Financial Conduct Authority.

What are Sky Insurance’s levels of cover?

Sky Insurance’s Third Party cover

Third party cover is the minimum level of cover that is offered by Sky Insurance. All drivers in the UK are legally obliged to have at least this car insurance. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property. Though it won’t cover any damage to your own car.

Sky Insurance’s Third Party Fire and Theft cover

You’ll get the same level of cover as third party and also provide protection against any fire damage or theft of your car.

Sky Insurance’s Comprehensive cover

You’ll get the same level of cover as third party and also provide protection against any fire damage or theft of your car.

What types of car insurance are available?

  • Temporary car insurance
  • Learner and young driver car insurance
  • Modified car insurance
  • Performance car insurance
  • Imported car insurance
  • Car club insurance schemes
  • Track day car insurance

What is covered under my policy?

Your specific insurance benefits will vary depending on the level of cover you choose and the insurer that is able to provide the cover through Sky Insurance. Check your policy details to ensure you have the cover you need.

Optional extras

Sky Insurance can provide additional protection to add to your policy, including:

  • Breakdown cover
  • Excess protection

General exclusions

Your cover is likely to become invalid if any of the following arises:

    • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
    • Your car is used for rallies, races or competitions.
    • You are paid to carry passengers.
    • You fail to pay for your premium.
    • You change your car during the policy term to a car that the insurer cannot cover.
    • You do not provide the correct documents to support your application.

    Check your policy for further details to confirm your cover is valid.

    How to save on your car insurance policy through Sky Insurance

    • Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
    • Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
    • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
    • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
    • Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium.

    What is my excess?

    Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

    A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

    A compulsory excess amount might vary depending on the age of your car and your driving experience.

    You’ll find details about any compulsory or voluntary excesses in your policy document.

    What is the claims process for Sky Insurance?

    You should call the Sky Insurance Accident hotline on 0343 506 5793. This is a 24-hour claim line open 7 days a week. You’ll need to provide all relevant details about the incident when making a claim.

    It’s also vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

    Frequently asked questions

    *Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

    The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

    *51% of consumers could save £200. Quote aggregator Seopa split the insurers on its comparison systems into different categories. It then selected quotes from the most popular providers as well as quotes from other providers which returned a price. It then selected providers, weighting them according to UK insurance market share (data from the Association of British Insurers), choosing the cheapest of either the most popular providers or other providers ("the cheapest selected quote"). Seopa then compared the cheapest quote on its system against this "cheapest selected" quote. The company then took the savings figure which 51% or over could have saved, using that formula. The savings you could achieve will depend on your individual circumstances and how you selected your current insurance supplier.
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