Write a review

O2 Drive: Car Insurance reviews

Name: Car Insurance
Rating: 1.63 (59 reviews)

View other O2 Drive products

1.61

Based on 59 reviews, last reviewed 10th Jul 2022

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

14%

3 star

81%

Latest highest rating:

4

Brilliant for getting affordable car insurance! During my time using O2 Drive, I was able to afford a very easy and quick car insurance for my brand new car. When the COVID-19 Pandemic began, I was ... Read more Reviewed on: 12th October 2021

Latest lowest rating:

1

Disgusting service I was driving my vehicle when I got hit by kids racing an Audi. They hit my drivers side pushing me into a lamppost, so I had a double impact. The off... Read more Reviewed on: 10th July 2022

Read all reviews See your review

About this product

O2 is best known for mobile phones, but did you know the brand also offers car insurance? Find out what genuine customers have to say about their experiences by reading our O2 car insurance reviews.

O2 offers two types of car insurance, standard O2 Drive and Box on Board, which is a telematics policy. Policyholders get access to the O2 Drive smartphone app which allows you to view your driving score and redeem various rewards. Although O2 claims to provide everybody with the lowest quotes possible, existing mobile customers may receive even better quotes.

For some drivers, car insurance policies with additional perks can be very appealing. Find out if the O2 Drive perks are worthwhile by reading the O2 Drive car insurance reviews on Smart Money People. Perhaps your main priority is a provider with a proven customer track record? Or perhaps you are an existing O2 customer looking for the best deal on your premium? Find out what O2 Drive customers have to say about their policies.

Have you had a car insurance policy with O2? Write an honest review of your experience on Smart Money People. Did you take out a standard policy or Box on Board? Tell us if you were an existing O2 customer or not, and how reasonably priced your premium was. Did you feel that your driving was scored fairly? Did you redeem any perks from the app, and were they worthwhile? Did you have to make a claim on your policy, and if so, how well was it handed? Leave an O2 Drive car insurance review today. Together, we can help people like you make better decisions.

O2 Drive Car Insurance reviews (59)

Review of the O2 Drive, Car Insurance:

AFFORDABLE FOR ALL

GREAT AND SUITABLE FOR EVERYONE IN GETTING YOUR DRIVE SAFE AND LEGAL ON ROAD. Reviewed on: 22nd May 2018

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 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. Reviewed on: 11th December 2019

Increased my insurance

Increased my insurance by £60 a year because of a accident that wasn't my fault . Reviewed on: 22nd November 2019

When something goes wrong

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. Reviewed on: 29th October 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 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. Reviewed on: 24th September 2019

Great!

Quick and easy to set up, knowledgeable staff. Reviewed on: 14th September 2019

Rude, unhelpful, incompetent

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 Reviewed on: 25th August 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 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. Reviewed on: 22nd June 2019

Meh.

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 Reviewed on: 17th June 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 know what the others are talking about because it's fantastic! Reviewed on: 6th May 2019

Bump up the price

Price increased by £40 when entering my mobile number. Customer service team knew this but didn’t care!! Reviewed on: 23rd April 2019

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub