{"id":327991,"date":"2020-08-19T09:56:12","date_gmt":"2020-08-19T08:56:12","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=327991"},"modified":"2025-04-15T09:44:55","modified_gmt":"2025-04-15T08:44:55","slug":"quotemehappy","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/quotemehappy","title":{"rendered":"QuoteMeHappy car insurance review"},"content":{"rendered":"<style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/car-insurance\/confusedcom-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22805c27b2-ee23-4190-9db7-d974ab8163b8%22%2C%22product_name%22%3A%22Confused.com%2Bcar%2Binsurance%22%2C%22offer_id%22%3A%2224894%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFCI%22%2C%22post_id%22%3A%22327991%22%2C%22post_path%22%3A%22car-insurance%252Fquotemehappy%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/6862b42d97679.png\" alt=\"Confused.com car insurance\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6862b42d97679.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6862b42d97679.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6862b42d97679.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Get a car quote with Confused.com<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>Save up to \u00a3483 on your car insurance*.<\/li>\r\n\r\n<li>Compare over 160 car insurance providers.<\/li>\r\n\r\n<li>Enjoy Confused.com rewards.<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/car-insurance\/confusedcom-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22805c27b2-ee23-4190-9db7-d974ab8163b8%22%2C%22product_name%22%3A%22Confused.com%2Bcar%2Binsurance%22%2C%22offer_id%22%3A%2224894%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFCI%22%2C%22post_id%22%3A%22327991%22%2C%22post_path%22%3A%22car-insurance%252Fquotemehappy%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Compare Quotes<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><h3>Who is QuoteMeHappy car insurance?<\/h3><p>QuoteMeHappy offers self serve insurance policies, meaning you manage your policy online. This allows the company to offer low cost premiums and no administration fees for making changes to your policy.<\/p><p>The flip side of this is that QuoteMeHappy has no phone line for customer service, though a claims line is available (you can email customer service if you have a query). As well as annual car insurance, the company also offers <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance\/dayinsure\">short-term cover<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/multi-car-insurance\">multi-car policies<\/a> and home insurance cover.<\/p><h3>Who underwrites QuoteMeHappy car insurance?<\/h3><p>QuoteMeHappy car insurance policies are underwritten by Aviva Insurance Limited.<\/p><p>Aviva Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.<\/p><h3>Why choose QuoteMeHappy car insurance?<\/h3><p>QuoteMeHappy declares itself to be \u201cnot for everybody\u201d, and it\u2019s not wrong \u2013 the acceptance criteria is quite strict.<\/p><p>To qualify for cover from QuoteMeHappy, you must meet the following:<\/p><ul class=\"list-10\"><li>Be aged between 21 and 75 years and a resident of Great Britain (not including Northern Ireland, the Isle of Man or the Channel Islands).<\/li><li>Hold a UK or EU licence.<\/li><li>Drive a car that is 17 years or younger, worth \u00a370,000 or less and without significant modifications (some exclusions apply).<\/li><li>Keep your car at the registered address of the policyholder.<\/li><li>Have no more than one claim (excluding windscreen claims) and no more than two minor convictions in the last five years.<\/li><\/ul><p>For those who do fit into the description above (and can pay for their cover upfront), QuoteMeHappy is likely to provide a competitive quote. The company\u2019s comprehensive policy offers good coverage and<a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-optional-extras\"> optional extras<\/a> are available to further tailor the cover to your needs.<\/p><p>If you\u2019re comfortable obtaining and managing your policy online or through the app, QuoteMeHappy might be a good option for you.<\/p><h3>What level of cover is available?<\/h3><p>QuoteMeHappy only offers comprehensive car insurance cover. The policy includes the following features:<\/p><div data-category=\"\" data-niche=\"UKFCI\" data-fieldset=\"coverbenefits\" class=\"UKFCI coverbenefits \">\n        <table class=\"i_infobox product_infobox\">\n        <tbody><tr><th>Product Name<\/th><td class=\"i_infobox_data product_infobox_data\">QuoteMeHappy comprehensive<\/td><\/tr><tr><th>Damage to your car<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Damaged windscreen and window glass<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Fire and theft<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Personal accident cover<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Medical expenses<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Personal belongings<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Liabilities to third parties<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Using the car abroad<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Alternative travel costs<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>No-claims discount<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Replacement locks<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr><tr><th>Permanently fitted audio equipment<\/th><td class=\"i_infobox_data product_infobox_data\">\u2713<\/td><\/tr>\n        <\/tbody>\n        <\/table><\/div><p><b>Optional extras available through QuoteMeHappy:<\/b><\/p><ul class=\"list-10\"><li><b>Hire car.<\/b> Entitles you to a replacement car provided by one of the company\u2019s approved repairers.<\/li><li><b>RAC breakdown cover.<\/b> Choose from six available levels.<\/li><li><b>Keycare.<\/b> Covers all the keys attached to your fob, not only your car keys.<\/li><li><b>Increased personal accident cover.<\/b> Up to \u00a340,000 for loss of limb, loss of sight or death for you and your partner.<\/li><li><b>Protected NCD.<\/b> Keep your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/no-claims-bonus\">no claims discount<\/a>, even if you have to make a claim.<\/li><\/ul><h3 itemprop=\"name\" id=\"excess\">What is the claims process?<\/h3><p>To make a claim, call QuoteMeHappy\u2019s claim line on 0345 030 6944. The line is open 24\/7.<\/p><h3 itemprop=\"name\" id=\"claims\">Am I able to manage my policy online?<\/h3><p>Yes. In fact, that\u2019s your only option. QuoteMeHappy is a self-serve insurance company, and so customers can only obtain and manage a policy by going to the company\u2019s website or downloading the app. The good news is that there are no administration fees to pay for amending your details (this excludes cancellation fees).<\/p><h3>How do I contact QuoteMeHappy?<\/h3><p>One of the ways in which QuoteMeHappy keeps its premiums low is by not having a call centre. You can contact the company\u2019s customer service team by email, but you\u2019ll need to log in to your QuoteMeHappy online account to do that.<\/p><h3>Pros and cons of QuoteMeHappy car insurance<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><div class=\"gridExample\"><h4 id=\"Pros\">Pros<\/h4><ul class=\"list-4\"><li>Low cost insurance<\/li><li>Easily manage your policy online<\/li><li>No administration fees<\/li><li>Up to \u00a380 multi-car discount available<\/li><li>Access to a 24\/7 claims line<\/li><\/ul><\/div><\/div><div class=\"u-grid__col u-1\/2@s\"><div class=\"gridExample\"><h4>Cons<\/h4><ul class=\"list-13\"><li>Very high APR on monthly car insurance payments (39.9%)<\/li><li>Strict acceptance criteria<\/li><li>Not easy to contact for customer queries<\/li><\/ul><\/div><\/div><h3 id=\"verdict\">Our verdict<\/h3><p>QuoteMeHappy\u2019s car insurance policy is a great option for cost conscious drivers, but being offered cover by the company is not guaranteed, even if you can easily obtain cover elsewhere.<\/p><p>If you are offered an insurance policy from QuoteMeHappy, make sure you can afford to pay for it upfront, as paying by instalments is likely to make the cover significantly more expensive.<\/p><p>QuoteMeHappy is really only suitable for those who are comfortable managing their policy online, without needing to talk to the company over the phone (other than to make a claim). If this applies to you, then managing your QuoteMeHappy policy should be straightforward and, you\u2019ll be glad to know, involves no administration fees.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can I get insurance that starts immediately?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, you can choose for your cover to start on the same day when you take out a quote.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I pay for my car insurance in monthly instalments? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, QuoteMeHappy offers policies that can be paid for in full with a debit or credit card, or by monthly direct debit payments. However, paying in monthly instalments will involve a very high interest fee (39.9%), so might not provide the best value for money.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Does QuoteMeHappy offer daily or temporary car insurance? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes. Short term cover is provided by Dayinsure, also a part of Aviva Insurance Ltd. You can find out all about the cover on offer in our <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance\/dayinsure\">review of Dayinsure<\/a>.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><\/div>","protected":false},"excerpt":{"rendered":"<p>We\u2019ve analysed the QuoteMeHappy car insurance options to help you decide if this digital-focused insurer, which also offers multi-car and temporary cover, can give you a good deal.<\/p>\n","protected":false},"author":845,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"en","related_url":"\/quotemehappy","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[2645],"tags":[],"asset_tag":[],"class_list":["post-327991","post","type-post","status-publish","format-standard","hentry","category-car-insurance"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quotemehappy car insurance review | Pros, cons &amp; cover options<\/title>\n<meta name=\"description\" content=\"QuoteMeHappy offers low premiums, but a very strict acceptance criteria. Find out if you qualify and what the cover includes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/car-insurance\/quotemehappy\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"QuoteMeHappy car insurance review\" \/>\n<meta property=\"og:description\" content=\"QuoteMeHappy offers low premiums, but a very strict acceptance criteria. 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