Quotemehappy is an online only insurance company, owned by UK insurance giant Aviva who were founded in 2000 and are based in London.
The subsidiary brand focuses on providing low cost car and home insurance.
It offers a limited range of insurance products in the car and home insurance markets, these policies are arranged by Aviva.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Car insurance
6 products reviewed
Electric Car Insurance
3 products reviewed
Quotemehappy
Car Insurance Plus
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£300.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£150.00
|
| Cover limit for stolen keys |
£300.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Quotemehappy
Car Insurance Premier
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£300.00
|
| 24hr helpline available | Yes |
| New car replacement | Yes |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
£25.00
|
| Windscreen replacement excess |
£150.00
|
| Cover limit for stolen keys |
£300.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Quotemehappy
Car Insurance Essentials
| Feature | Value |
|---|---|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for lost keys |
£100.00
|
| 24hr helpline available | Yes |
| New car replacement | No |
| Courtesy car provided if stolen / total loss | No |
| Windscreen repair excess |
Windscreen repair not covered
|
| Windscreen replacement excess |
Windscreen replace not covered
|
| Cover limit for stolen keys |
£100.00
|
| Cover for replacing original audio/visual equipment |
Unlimited
|
| Repairs guarantee (years) |
Lifetime
|
| Vandalism | Yes |
Telematics Car Insurance
3 products reviewed
Quotemehappy
Connect Premier
| Feature | Value |
|---|---|
| Cover limit for lost keys |
£300.00
|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for Legal Liability Cover for property damage |
£20,000,000.00
|
| Underwriter |
Aviva
|
| Cover limit for stolen keys |
£300.00
|
| Storage after accident | Yes |
| Cover for replacing original audio/visual equipment |
Unlimited
|
| New car replacement | Yes |
| Legal cover for manslaughter defence |
Unlimited
|
| Vermin & insects | Yes |
| Misfuelling | No |
| Cancellation fee (within 14 days, box not installed) |
£25.00
|
| 24hr helpline available | Yes |
| Self-installed or engineer-installed box? |
Self install
|
| Is device removal mandatory at the end of the contract? | No |
| Is there an excessive speeding restriction? | Yes |
| Can your insurance be cancelled due to a poor driving score? | Yes |
| Can premiums increase due to driving score? |
On renewal
|
| Curfew | No |
| Digital capability | Yes |
| Are children's car seats covered? | No |
| Cover limit for personal belongings inside car |
£150.00
|
| Cancellation fee (within 14 days) box installed |
£42.00
|
| Speed restrictions scenario |
Pass
|
Quotemehappy
Connect Plus
| Feature | Value |
|---|---|
| Cover limit for lost keys |
£300.00
|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for Legal Liability Cover for property damage |
£20,000,000.00
|
| Underwriter |
Aviva
|
| Cover limit for stolen keys |
£300.00
|
| Storage after accident | Yes |
| Cover for replacing original audio/visual equipment |
Unlimited
|
| New car replacement | Yes |
| Legal cover for manslaughter defence |
Unlimited
|
| Vermin & insects | Yes |
| Misfuelling | No |
| Cancellation fee (within 14 days, box not installed) |
£25.00
|
| 24hr helpline available | Yes |
| Self-installed or engineer-installed box? |
Self install
|
| Is device removal mandatory at the end of the contract? | No |
| Is there an excessive speeding restriction? | Yes |
| Can your insurance be cancelled due to a poor driving score? | Yes |
| Can premiums increase due to driving score? |
On renewal
|
| Curfew | No |
| Digital capability | Yes |
| Are children's car seats covered? | No |
| Cover limit for personal belongings inside car |
£150.00
|
| Cancellation fee (within 14 days) box installed |
£42.00
|
| Speed restrictions scenario |
Pass
|
Quotemehappy
Connect Essentials
| Feature | Value |
|---|---|
| Cover limit for lost keys |
£100.00
|
| Courtesy car for duration of repair | Yes |
| Uninsured driver promise | Yes |
| Cover limit for Legal Liability Cover for property damage |
£20,000,000.00
|
| Underwriter |
Aviva
|
| Cover limit for stolen keys |
£100.00
|
| Storage after accident | Yes |
| Cover for replacing original audio/visual equipment |
Unlmited
|
| New car replacement | No |
| Legal cover for manslaughter defence |
Unlimited
|
| Vermin & insects | Yes |
| Misfuelling | No |
| Cancellation fee (within 14 days, box not installed) |
£25.00
|
| 24hr helpline available | Yes |
| Self-installed or engineer-installed box? |
Self install
|
| Is device removal mandatory at the end of the contract? | No |
| Is there an excessive speeding restriction? | Yes |
| Can your insurance be cancelled due to a poor driving score? | Yes |
| Can premiums increase due to driving score? |
On renewal
|
| Curfew | No |
| Digital capability | Yes |
| Are children's car seats covered? | No |
| Cover limit for personal belongings inside car |
£0.00
|
| Cancellation fee (within 14 days) box installed |
£42.00
|
| Speed restrictions scenario |
Pass
|
Courtesy Car (Add-on)
1 product reviewed
Quotemehappy
Hire car - optional cover
Critical Illness Cover
2 products reviewed
Quotemehappy
Critical Illness
| Feature | Value |
|---|---|
| Maximum age to cover |
75
|
| Maximum level of cover |
£500,000.00
|
| Additional condition cover limit (as a % of cover) |
25%
|
| Additional condition cover limit (£) |
£25,000.00
|
| Children's critical illness cover | Yes |
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | No |
| Index-linked increasing cover | No |
Quotemehappy
Life Insurance
| Feature | Value |
|---|---|
| Maximum age to cover |
75
|
| Maximum level of cover |
£500,000.00
|
| Additional condition cover limit (as a % of cover) |
25%
|
| Additional condition cover limit (£) |
£25,000.00
|
| Children's critical illness cover | Yes |
| Level cover | Yes |
| Decreasing cover | Yes |
| Fixed increasing cover | No |
| Index-linked increasing cover | No |
Home emergency cover
2 products reviewed
Boiler Breakdown Cover
2 products reviewed
Quotemehappy
Home Emergency Cover
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£4.58
|
| No claims period (Boiler) |
0.00
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
0.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£500.00
|
| Getting access and reinstatement |
Sum Insured
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£4.58
|
| Underwriter |
Aviva Insurance Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
They will deliver two electrical heaters to your property
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
0.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£500.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£4.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£1,000.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-17
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Quotemehappy
Home Emergency Cover (Premier)
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£4.58
|
| No claims period (Boiler) |
0.00
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
0.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£500.00
|
| Getting access and reinstatement |
Sum Insured
|
| Type of pricing |
Static
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£4.58
|
| Underwriter |
Aviva Insurance Limited
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
They will deliver two electrical heaters to your property
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
0.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£500.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£4.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
£1,000.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-17
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Home insurance (building and contents)
7 products reviewed
Buildings insurance
3 products reviewed
Quotemehappy
Home Policy Premier
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£500.00
|
| Matching sets (Buildings) | Yes |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Quotemehappy
Home Policy Essentials
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£500.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£0.00
|
| Underground pipes, cables and tanks |
Optional
|
Quotemehappy
Home Policy Essentials Plus
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£500.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Contents insurance
3 products reviewed
Quotemehappy
Home Policy Premier
| Feature | Value |
|---|---|
| Matching sets (contents) | Yes |
| Theft from outbuildings |
£5,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£1,000.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£500.00
|
Quotemehappy
Home Policy Essentials Plus
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£3,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£750.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£500.00
|
Quotemehappy
Home Policy Essentials
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£1,500.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£250.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£500.00
|
Home Legal Cover
1 product reviewed
Quotemehappy
Legal Services
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
Limit shown on your policy schedule
|
| Employment - employee | Yes |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
£100.00
|
| Employment - excess |
£0.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
N/A
|
Life insurance
1 product reviewed
Quotemehappy
Life Insurance
| Feature | Value |
|---|---|
| Maximum age at end of term |
90
|
| Highest payout limit (level cover) |
£750,000.00
|
Motor Key Cover
1 product reviewed
Quotemehappy
Keycare
| Feature | Value |
|---|---|
| Cover limit for broken keys (or keys broken inside a lock) |
£50.00
|
| Annual policy limit |
£1,500.00
|
| Days before you can make a claim |
0 days
|
| Lost key waiting period |
2 days
|
| Onward transport cover |
£100.00
|
| Additional Keys covered | Yes |
| Cover if duplicate keys are easily available | Yes |
Motor Legal Cover
1 product reviewed
Quotemehappy
Motor Legal
| Feature | Value |
|---|---|
| Uninsured loss recovery Limit |
£100,000.00
|
| Personal Injury limit |
£100,000.00
|
| Motor Prosecution defence Limit |
£10,000.00
|
| Uninsured driver benefit | No |
| Consumer Disputes Limit |
£0.00
|
| Database Disputes Limit |
£0.00
|
| Vehicle Cloning Limit |
£0.00
|
| Uninsured driver benefit (Minimum pay out) |
£0.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Car insurance
Ranked 21st of 49 providers reviewed
| Customer happiness score | 63.06% |
|---|---|
| Customer trust score | 50.36% |
| Complaints performance | 67.03% |
| Transparency rating | 75.53% |
|
Fairer Finance Score Reviewed Autumn 2026 |
63.99% |
Home insurance (building and contents)
Ranked 32nd of 47 providers reviewed
| Customer happiness score | 52.76% |
|---|---|
| Customer trust score | 40.83% |
| Complaints performance | 67.42% |
| Transparency rating | 82.6% |
|
Fairer Finance Score Reviewed Autumn 2026 |
60.90% |
Life insurance
Ranked 18th of 21 providers reviewed
| Claims score | 88.85% |
|---|---|
| Complaints performance | 90.85% |
| Transparency rating | 46.27% |
|
Fairer Finance Score Reviewed Autumn 2026 |
75.32% |