Defaqto rating: 4/5 stars
Quote Me Happy’s car insurance is rated as four star by Defaqto, an independent financial research company.
Note: Not all Defaqto products with the same star ratings have the same covers and terms.
Quote Me Happy is an online insurance brand operated by UK insurance group Aviva. With Quote Me Happy pretty much everything can be done over the internet, and your insurance documents are stored electronically on a Quote Me Happy secure portal.
You can manage your policies online, making all those administrative changes that might be needed, such as changing your address or renewing your cover.
Aviva launched Quotemehappy.com in 2011 as a low-cost, online brand of car and home insurance. Quote Me Happy says it’s not for everyone and only insures careful drivers.
Avoiding more risky customers helps it keep premiums low, but that also means it will only offer car insurance to drivers aged between 21 and 75.
It says you must also be safety conscious, stipulating that only people with no more than one claim (excluding windscreen claims) and no more than two minor convictions within the past five years can be covered.
There are other exclusions to be aware of as well. Quote Me Happy will not provide cover for cars over 17 years old and cars worth over £70,000. You are ineligible for Quote Me Happy car insurance if you live in Northern Ireland, the Channel Islands or the Isle of Man.
Aside from making things a bit faster, and for many people more convenient, Quote Me Happy says doing more online also helps keep premiums down, as postage, admin and call centre costs are eliminated.
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You get 90 days cover for Europe as standard.
A courtesy car can be provided.
Audio equipment, windscreens and personal belongings are covered.
There are quite a few optional extras, including RAC breakdown cover.
Quote Me Happy can be relatively low cost, though you must meet its specific definitions of a cautious driver to be eligible, including the age restrictions.
Quotemehappy.com should appeal to people that like doing things online, but there is also 24-hour emergency support and a round-the-clock dedicated claims line.
How do you speak to someone at Quote Me Happy? Although Quote Me Happy does not offer a call centre service for customer queries, you are able to speak to one of their claims handlers if you need to make a claim on your policy. In an emergency, you can also phone Quote Me Happy if you want to report a breakdown and need vehicle recovery.
Quote Me Happy was used as an advertising slogan by Norwich Union for years, long before Aviva launched Quotemehappy.com as an insurance brand in 2011. Norwich Union was the name of Aviva’s UK insurance business until 2009.
At the launch of Quotemehappy.com, Aviva claimed it was responding to a growing number of consumers who wanted to buy and manage their insurance online.
More recently, Aviva said it was offering Quote Me Happy car insurance incentives for NHS workers in response to the Covid-19 pandemic.
The Financial Ombudsman Service received 239 motor insurance complaints about Aviva, which owns the Quote me happy brand, in the first half of 2020. While that initially sounds high, Aviva has a huge market share of nearly 13% yet its complaints represented less than 5%, suggesting it is doing a lot right. To put that in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.