U-Drive Cover car insurance review
U-Drive Cover specialises in finding cover for imported cars, young drivers, and those with a driving conviction. We've analysed what it offers.
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If you own a high-performance, modified or imported car, chances are you already know it can be a pain to find the right car cover. We’ve looked into the specialist car insurance on offer through U-Drive Cover. This broker says it can help, whoever you are and whatever you drive. Here’s what you need to know.
Since 2014, U-Drive Cover has been arranging car insurance, including specialist policies for young and convicted drivers as well as ex-company car drivers. This broker also caters for drivers of a range of specialist vehicles such as modified, imported and high-performance cars.
U-Drive Cover’s Third Party cover
Third party cover is the minimum level of cover that U-Drive Cover offers. All drivers in the UK are legally obliged to have at least this insurance to be on the roads. If you are responsible for causing an accident, you’ll be covered for damage to third party vehicles or property. But it won’t cover any damage to your own car. Don’t assume this is the cheapest option because it has the least protection. Check each cover level to see which offers you the best value.
U-Drive Cover’s Third Party, Fire and Theft cover
This gives the same level of cover as third party but will also provide protection against any fire damage to your car or theft of your car.
U-Drive Cover’s Comprehensive cover
This gives the same protection as the other levels in addition to insuring your vehicle against accidental damage and vandalism. This level of cover can be cheaper than third party, or TPFT, so it’s always worth checking.
Optional extras
U-Drive Cover can provide add-ons including:
Cover benefits | Third party | Third party, fire and theft | Comprehensive |
---|---|---|---|
Liability to other people | ✓ | ✓ | ✓ |
Fire and theft | – | ✓ | ✓ |
Accidental damage | – | – | ✓ |
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover.
Check your policy details carefully to ensure you have the right cover for your needs.
Your cover through U-Drive Cover is likely to become invalid if any of the following arises:
Check your policy for further details to confirm your cover is valid.
Your car insurance excess is the amount of money you have agreed to pay towards a claim. Your insurer won’t pay out for a claim that costs less than your excess. A compulsory excess amount might vary depending on the age of your car and your driving experience.
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.
You’ll find details about any compulsory or voluntary excesses in your policy document.
Call U-Drive Cover on 0800 223 0690 to make a claim.
You’re likely to need your personal details as well as all facts about the incident such as names and contacts of third parties and passengers, photographic evidence, if available and a crime book reference number, if applicable.
Even if you’re not responsible for an accident, it’s important that you let your insurer know about it as soon as possible. If you don’t report an incident quickly, your claim could be rejected later on.
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