O2 Drive Car Insurance Reviews

Ratings based on 56 reviews Last review 3 weeks ago

You might know them as a mobile phone company, but did you know O2 can offer you insurance for your car? By using your mobile phone as a telematics device, O2 can monitor your safe driving via so called black box insurance. Wondering if this type of...

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You might know them as a mobile phone company, but did you know O2 can offer you insurance for your car? By using your mobile phone as a telematics device, O2 can monitor your safe driving via so called black box insurance. Wondering if this type of insurance is right for you? Read our O2 drive reviews to find out. Already singed up with O2? Please share your own 2 Drive review to help others decide if telematics from O2 is the right insurance policy for them!

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Your Car Insurance Reviews (56)

3rd September 2020

Avoid O2 car insurance due to rip offs and incompitency

I have very nasty experience when I insured with O2. I cancelled the insurance in June 2020 when I sold the car and latter receive a letter demanding £120.00 plus £50 plus totaling £181.38. I was not with my credit card or debit card at the time she ag...

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I have very nasty experience when I insured with O2. I cancelled the insurance in June 2020 when I sold the car and latter receive a letter demanding £120.00 plus £50 plus totaling £181.38. I was not with my credit card or debit card at the time she agreed to take the £181.38 from the agreed account at the end of August 2020.
To my greatest surprise, I receive a letter dated 25/8/20 demanding £200.98. When I call to query the letter, I asked for the summary of my last discussion and what was agreed on. The customer service agent Daisy, responded that she don’t have it at hand and what was in the system was to collect £200.38 and will be happy to put a complain in for me.
Pls keep away from O2 not to experience my ordeal or worst situation. Thanks for adherence.

22nd May 2020

I wish I had read these reviews first

For whatever reason o2 drive didn't take out my fist monthly payment, I had money in this account so I found it strange. They then sent me basically a threatening letter with a notice of default sums. They Also charged me an extra £20 for failed ...

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For whatever reason o2 drive didn't take out my fist monthly payment, I had money in this account so I found it strange. They then sent me basically a threatening letter with a notice of default sums. They Also charged me an extra £20 for failed payment, and threatened to cancel my policy and charge me £60 as well as having to pay any outstanding premiums. I rushed to pay the late fee and the months payment. I used a different bank account to pay this and it said on the screen that this will be my future payment details. Once it came around to pay my next payment o2 drive took the payment from my original account, which gets me thinking that it was their fault not taking the first payment but charged me £20 anyway. If you set a date for your direct debit to come out, just be careful as it just comes out whenever they want. I phoned and spoke to a bit of an irritated customer service advisor today about all my issues. I might have well spoken to 'Alexa' for all the answers I got. Totally useless. I wouldn't recommend o2 drive at all and the more people know the better.

20th March 2020

ZERO STARS Fire insurance doesn't cover you for fires!

Fully comprehensive insurance on my car. Go to start it and a fire starts in the engine bay. Car collected by insurance co, I chase for 4 weeks as clearly the phones in their office cant make outgoing calls to finally be told the damage isnt covered...

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Fully comprehensive insurance on my car. Go to start it and a fire starts in the engine bay. Car collected by insurance co, I chase for 4 weeks as clearly the phones in their office cant make outgoing calls to finally be told the damage isnt covered as it was an electrical or mechanical fault. I asked what else could cause fire damage, they said they only pay for malicious damage. Car now a total loss and finance to settle. Avoid at all costs.

11th February 2020

Extremely Poor

I phoned to potentially make a claim due to someone driving into me and was told they culdn't deal with any of it (after Id told them all about it) had to go through it all again only to be told I'd have to pay then personally chase the other company...

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I phoned to potentially make a claim due to someone driving into me and was told they culdn't deal with any of it (after Id told them all about it) had to go through it all again only to be told I'd have to pay then personally chase the other company to get my money back. I stopped the claim right there and was assured it was closed and not put through. My renewal came through at over double my previous quote, when questioned they said I had made a claim hence the increase. I then told the person it hadn't been a claim and what a surprise she couldn't help me at all and basically said tough. Shockingly bad, along with having to listen to a whole load of pre recorded fluff at the start of every call which has nothing to do with anything you need. DO NOT USE THEM

1st January 2020

Awful

So went along with a quote on 31st December and told me I was covered from the 1st January 2020. Tried to complete my registration and won't send me no emails to do this. So today (1st Jan) I find out that they haven't done my insurance, so I am not...

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So went along with a quote on 31st December and told me I was covered from the 1st January 2020. Tried to complete my registration and won't send me no emails to do this. So today (1st Jan) I find out that they haven't done my insurance, so I am not covered. So I know how no car insurance £55 gone out of my account and the bloody company is not even open. This is my first ever time using this company and right now it hasn't been a good start.. So I have to rely on family members taking me to work and picking me up again. Awful company

11th December 2019

BEWARE mis-sold inflated cost policy for subsequently adding provisional driver on

Was advised that if I took out a policy when my daughter turned 17 she could be added to it a couple of months later. The policy for just myself cost twice as much as similar policies for myself to be insured on the car, however, because I wanted to...

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Was advised that if I took out a policy when my daughter turned 17 she could be added to it a couple of months later. The policy for just myself cost twice as much as similar policies for myself to be insured on the car, however, because I wanted to add my daughter subsequently went ahead with the policy. I was told I couldnt get a full quote until the day of her 17th birthday. On the day my daughter turned 17 and as a provisional driver I was told that she could not be added to the policy. I was missold an inflated price policy which was not fit for purpose. BEWARE. Complete rip off.

29th October 2019

When something goes wrong

The only time that you find out the metal of an insurance company really is when things go...

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The only time that you find out the metal of an insurance company really is when things go wrong.

I found O2 Drive on a price comparison site and bought a policy.

Unfortunately due to a cock-up somewhere along the line my vehicle was showing as uninsured on the national database (MID). I contacted them twice about this and my vehicle would appear on it within 2 weeks, also telling me not to worry because I was insured and if there was a problem just show whomsoever my policy certificate.

About a month later I got a letter from the DVLA and they asked me to give them proof of insurance.

I sent the DVLA my certificate, but this was not satisfactory apparently and they sent me a penalty to pay a fine.

O2 Drive escalated this matter in customer service and they sorted this out VERY efficiently, getting my vehicle on the MID DB and providing a document that kept the DVLA happy.

The thing that impressed, and surprised, me most about the way that this was handled by O2 Drive was the superb communication where, once the problem was escalated, I was kept informed by telephone at every turn.

They also compensated me for the fuss which was nice.

I will be renewing next year.

24th September 2019

Dodgey

Took out insurance after searching on a price comparison site. Paid the premium and was then sent an email asking for proof of no claims bonus, which I duly did. (2 YEARS) I then get another email saying that I had given them the wrong no claims (9...

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Took out insurance after searching on a price comparison site. Paid the premium and was then sent an email asking for proof of no claims bonus, which I duly did. (2 YEARS) I then get another email saying that I had given them the wrong no claims (9 years) when applying (no) and it may mean that when the policy was reviewed In 14 days that the premium may alter, or policy cancelled. Rang them up and basically they wanted another £77 so I cancelled there and then. Went back on the price comparison site and took out another policy with someone else. Then, I recieved another email confirming the cancellation, and they only went and put 9 years no claims proof for the next insurer!! What a nightmare.

25th August 2019

Rude, unhelpful, incompetent

I'm with this awful company at the moment but I'd never renew with them....

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I'm with this awful company at the moment but I'd never renew with them.
For the past 2 months they've taken my direct debit the day before my payday then charged me £20 for being late with my payments. When I phoned up they said they could change my payment day but I'd have to pay 2 instalments in 1 month. I told her that was a lot of money to pay out and she told me if I couldn't afford it I should look for insurance I could afford. ( great customer service........not )
Very rude on the phone. I would NEVER recommend this company and as soon as this year is up I'll be moving my insurance to a better company.
Dont use them

22nd June 2019

Worse Car Insurance company I have ever seen in 30 years of driving

O2 Drive came up as a reasonable car insurance comparison quote, and I picked them because of the 5-star Defaqto score. Little did I know that the Defaqto score is just for the options offered , NOT the quality or review score. O2 Drive is a new...

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O2 Drive came up as a reasonable car insurance comparison quote, and I picked them because of the 5-star Defaqto score. Little did I know that the Defaqto score is just for the options offered , NOT the quality or review score. O2 Drive is a new service set up by mobile company O2, on the cheap, to cash in on the lucrative car insurance market. So while the advertising seems good, after being with them for a year, I am utterly shocked at how poor the service was, and how downright unhelpful and arrogant the majority of online staff were, when you do actually need their help. For instance, I finally has a minor accident after 7 years no-claims, but when I reported it, I found I had accidentally mistyped a letter in my registration number, but the documents I had sent over actually had the correct details. When I had to lodge a claim, O2 Drive gleefully told me that they wouldn't accept it because I had made an error, and it wasn't their responsibility to check my other documents even if they had been requested, so rejected it. They told me I would have to contact their underwriter Ageas myself. Ageas were sympathetic at first, but then later came back and told me that O2 Drive had totally bluntly refused to accept my claim, so I had to pay for the massive insurance repairs to both cars myself. When I tried talking to O2 Drive again, the handler actually laughed and made fun of me, telling me I "should be grateful the police didn't come and arrest me for driving without insurance" after mistyping my number-plate. Giving the correct details in the rest of the documents doesn't count. I wasn't happy at the vervice, and did complain, but then O2 Drive just dismissed it.
O2 Drive never bothered contacting me ever again, and I renewed car insurance with another company, then found O2 Drive had the nerve to automatically RENEW my car insurance with them without even telling me, and without my permission.
A totally incompetent, "just 9-5", bunch of minimal-wage staff, who have no idea of customer service, and just don't care.
Please avoid until they actually introduce even a little customer care.

17th June 2019

Meh.

I have just finished a year with 02 drive, which has been mediocre really. Though I wish I had read reviews...

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I have just finished a year with 02 drive, which has been mediocre really. Though I wish I had read reviews beforehand.
Pros:
- black box is not overly harsh on time of day driving (after 11)
- great discounts and o2 benefits
- was the cheapest alternative

Cons:
- customer service is shocking the less contact with them the better. Not that they correspond with you much anyway. They take about 10 minutes to put you through to someone when you call up (all of which is charged). I was working the day they planned to fit my black box so had to pay a fee to change the date
- breaking and acceleration scores are horrid, one bad drive takes about 10 good ones to get the score back out of red. Clearly they don’t want you to use your brake whatsoever as I’ve had a score of under 50 since I started. It’s ridiculous.
- Haven’t contacted me about any renewal offers etc as my insurance runs out next week but luckily ive found another company for half the price, with no black box so good riddance. Stick to selling mobiles and leave the car insurance to the professionals

6th May 2019

Great

Simply great insurance and customer service! I had a claim and had to speak to they customer service department loads, they couldn't have been more helpful and happy. I would be more than happy to spend an extra £100 a year to stay with them. I don't ...

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Simply great insurance and customer service! I had a claim and had to speak to they customer service department loads, they couldn't have been more helpful and happy. I would be more than happy to spend an extra £100 a year to stay with them. I don't know what the others are talking about because it's fantastic!

17th April 2019

Bad insurance company ever I see

Actually I have car insurance policy with this company first time in my life I see any company like this they increase my premium bcz I have non fault accident it’s gone up from £72.40 to £87.67 per month bcz I have non fault accident how is that can p...

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Actually I have car insurance policy with this company first time in my life I see any company like this they increase my premium bcz I have non fault accident it’s gone up from £72.40 to £87.67 per month bcz I have non fault accident how is that can possible and if I want cancel this policy then I have to pay £60 fee

13th April 2019

Thieves

After purchasing car insurance from O2 Drive, all seemed fine,...until I missed 1 payment. I paid the £20 fine and resumed payments as normal, that is , until I changed my payment date. They took 2 payments from my account in one month and refused to ...

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After purchasing car insurance from O2 Drive, all seemed fine,...until I missed 1 payment. I paid the £20 fine and resumed payments as normal, that is , until I changed my payment date. They took 2 payments from my account in one month and refused to refund me my money. They admitted they were at fault but still no refund. Bank wouldn't refund it as O2 Drive set it as a card payment instead of a DD. Absolutely furious that they left my account balance at £22 and knowingly advised me of incorrect information. Once my policy is done, I most certainly will not be returning and will warn anyone and everyone to avoid them as much as possible. The low Car insurance quotes are just a ruse to lure you in and take advantage.

23rd March 2019

Avoid!!!

I went with O2 drive for my first years insurance as they offered me the best deal. 10 months on I’ve had nothing but problems. I have a black box, whenever checking my score my awareness and acceleration are well below 50/100 when my speed and time o...

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I went with O2 drive for my first years insurance as they offered me the best deal. 10 months on I’ve had nothing but problems. I have a black box, whenever checking my score my awareness and acceleration are well below 50/100 when my speed and time of driving are 98/100, I happened to meet a girl who lives around 120 miles from me, who was insured by the same people and she had the exact same issue! I have since changed my car and have got a new box for the car, and the exact same thing happens (so can’t have been a fault with the box). I live in a hilly area, it’s like I’m expected to drive around without being allowed to touch the breaks or drive up a hill...