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O2 Drive: Car Insurance reviews

Name: Car Insurance
Rating: 1.63 (59 reviews)

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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

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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

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 offender then took off. My son who was in the vehicle with me received his insurance about a year later. I had to wait two full years and received £3000 but not without fighting for it. My car was written off which cost me, then my insurance went through the roof because I was held liable for the incident because the offender drove off. I could not afford the insurance and had to find other ways to be able to drive. I had back and neck damage as well as psychological trauma. O2 were extremely unhelpful pushing my insurance up so high I had to cancel it when I was the innocent party. Waiting 2 years for a claim and having to fight for the pittance recieved was very disappointing. I have never claimed before and I do the right and legal thing by insuring my vehicle and I would of expected O2 to be more helpful. Instead they just caused even more stress in an already stressful situation. They are nothing but a money grabbing company with no care for their customers. Reviewed on: 10th July 2022

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 struggling with the insurance rates, however O2 was able to support me in that, and extended my insurance pay to allow me to build my funds backup in order for me to insure my next new car with them. Reviewed on: 12th October 2021

Let down

Car was hit while parked cctv footage captured the culprit however o2 couldn’t help as the other company didn’t answer the phone so I ran out of time absolutely disgusted by the company avoid avoid avoid Reviewed on: 20th January 2021

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 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. Reviewed on: 3rd September 2020

BAD

they put your insurance up and then make it hard to cancel when there are better deals somewhere else. Reviewed on: 28th 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 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. Reviewed on: 22nd May 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 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. Reviewed on: 20th March 2020

Avoid

thought I’d give them a go, when I called a to say I’d purchased a new car , they cancelled my existing insurance without reason. Not a professional insurance company by far. Phone network yeah they are ok ... Reviewed on: 25th 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 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 Reviewed on: 11th February 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 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 Reviewed on: 1st January 2020