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Toyota car insurance review

Read Which?'s expert review of Toyota car insurance. Find out how we rate Toyota's policy against 30 other providers.

In this article
Toyota car insurance overview Toyota car insurance policy: is it good or bad?
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Toyota car insurance overview

Toyota car insurance isn't restricted to Toyota owners, and online customers are covered up to age of 99. Its policies are underwritten by Aioi Nissay Dowa Insurance Company of Europe Limited.

Toyota car insurance: what you need to know

  • £1,500 theft of keys cover
  • No limit on cover for windscreens and sunroofs
  • Courtesy car as standard during repair

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Car Insurance
Toyota review
Overall Which? score
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 50% of the car insurance policy score.
Which? customer score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Policy score
Which?'s rating of the quality of this company's car insurance policy. We analysed 58 features of its cover to calculate the policy score.
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Toyota car insurance policy: is it good or bad?

We analyse and rate the 58 most important elements of standard car insurance policies to come up with the overall policy score. We assess how important each individual element is to drivers when choosing and using a car insurance policy, and weight it accordingly when calculating our total policy score. 

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall product score.

Toyota did not supply us with up-to-date data on its policy. Therefore, this analysis is based on its policy as of July 2018. We will next update our table in January 2020.

Policy element Rating Details
Interest charged on payment by instalments (APR)

3 out of 5

No fault no claims discount(NCD) benefit?

5 out of 5

Uninsured driver NCD benefit?

5 out of 5

Renewal fee Logged out stars £0
NCD protection claims(number per year) Logged out stars 2 claims in 3 years
Theft of keys limit Logged out stars £1,500
Fire excess(standard compulsory) Logged out stars £100
Theft excess(standard compulsory) Logged out stars £100
Accidental damage excess(standard compulsory) Logged out stars £100


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