By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.

22 Jan 2026

Quote Me Happy car insurance review

Two of Quote Me Happy's policies really caught our eye

Dean SobersSenior researcher & writer

Compare car insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

Get a quote

In this article

Does Quote Me Happy offer the best car insurance?
What does Quote Me Happy car insurance cover?
'Two of Quote Me Happy's policies were standouts in our analysis'
How good is Quote Me Happy at handling claims?
How can you save money on Quote Me Happy car insurance?
How does Quote Me Happy compare with other providers?
Quote Me Happy: how can I claim?
Should you buy Quote Me Happy car insurance?

Quote Me Happy is part of the Aviva group and offers various car insurance policies as well as also home insurance. You can purchase its policies direct or through comparison websites.

We've reviewed five car insurance policies from Quote Me Happy: its standard Plus cover, three premium policies – Premier, Plus with Legal and Plus with Roadside – and a more basic Essentials policy. We didn't receive feedback from enough customers to rate its levels of service.

All five policies cover drivers aged between 18 and 75.

Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does Quote Me Happy offer the best car insurance?

Quote Me Happy

Both Quote me Happy's Premier and Plus with Legal policies were Best Buys; the difference is that Premier also includes breakdown cover

Get a quote

Policies

best buy
Premier66%
best buy
Plus with Legal66%
Plus62%
Plus with Roadside62%

See how this compares with the best car insurance, or read more about how we rate car insurance.

What does Quote Me Happy car insurance cover?

We reviewed five of Quote Me Happy's policies. Select a policy from our table to see what it offers and how it scored.

Select a policy:

Premier

Search this table

		Compare insurance providers
Fire excess	No excess	Check you're getting a great deal on car insurance using the service provided by Confused Compare car insurance deals
Theft excess	No excess
Accidental damage excess	No excess
Windscreen replacement excess (approved repairer)	£150
Is the policyholder's NCD affected if car is hit while parked	Yes - can be reinstated
Is the policyholder's NCD affected by vandalism	Yes
Windscreen damage - limit per claim (approved repairer/non-approved repairer)	Market value/£50
Window damage - limit per claim (approved repairer/non-approved repairer)	Market value/£50
Cancellation fee after cooling-off period	£56
Repairs guarantee period	Lifetime
Total loss courtesy car	Optional extra
Replacement car provided during repairs following an accident	Included
Replacement car - guaranteed availability	Yes
Misfuelling cover - what's covered	Included - engine damage only
Onward travel limit	Unlimited
Driving other cars - level of cover	Third party

'Two of Quote Me Happy's policies were standouts in our analysis'

Dean Sobers, Which? car insurance expert, says:

Quote Me Happy’s Premier and Plus with Legal policies were both Best Buys, with scores of 66%.

The difference between the two is that Premier includes Roadside Assistance breakdown cover (provided by RAC), which Plus with Legal doesn’t.

For most drivers (but not those under 25), there’s no compulsory excess for fire, theft and accidental damage claims.

Both policies also include a lifetime guarantee on repairs that Quote Me Happy arranges.

These policies didn’t do brilliantly across the board, however. They include £150 of cover for personal belongings - less than is provided by other policies we examined. They also don't include cover for medical expenses.

Misfuelling

Premier and Plus with Legal include cover for accidentally filling your tank with the wrong type of fuel. They’ll pay both for the costs of draining the wrong fuel from the car and any damage to the engine.

Plus with Roadside, Plus and Essentials

We rated three other Quote Me Happy policies. The Plus with Roadside policy and the Plus policy both scored 62%. They weren’t Best Buys, but sat in the middle of our tables. As the name suggests, the main difference is that Roadside bundles in breakdown cover, which wasn’t factored into our score of the car insurance.

Essentials, which removes various features such as windscreen damage, and adds a £200 compulsory excess for fire, theft and accidental damage claims, managed a score of 52%. This placed it in the bottom fifth of our table.

How good is Quote Me Happy at handling claims?

Quote Me Happy’s underwriter Aviva Insurance Limited accepted 95-100% of car insurance claims in 2024. This was around the average (98.8%) for the market.

Of customers who claimed, 0-5% made a complaint, which is below the average (6.9%).

How can you save money on Quote Me Happy car insurance?

You can buy Quote Me Happy policies directly from its website, or from the following comparison websites:

Compare the Market
Confused.com
GoCompare
MoneySuperMarket
Mustard

In general, car insurance policies are cheaper to buy through comparison websites than directly online, and are priciest when bought over the phone. It's always worth comparing any quotes.

Quote Me Happy offers a discount of £20 if you insure more than one car at the same address.

The above information is correct as of December 2025.

How does Quote Me Happy compare with other providers?

Quote Me Happy's two top-scoring policies – Premier and Plus with Legal – scored 66%, not far behind the Allianz Silver policy, Direct Line's Comprehensive and Premium Online cover, and the standard policy from Moja. They all earned 67%.

Its Plus and Plus with Roadside cover both earned a policy score of 62%, and sit in our table behind standard cover from the AA, Admiral and Churchill, as well as Admiral's Littlebox policy (all 63%).

Quote Me Happy's Essentials policy scored 52%, behind Essentials cover from Direct Line, Moja and Esure.

Quote Me Happy: how can I claim?

If you need to make a claim with Quote Me Happy car insurance, start a claim online. For help, call 0345 030 6902.

Find out more: is it worth claiming on your car insurance?

Should you buy Quote Me Happy car insurance?

Yes, if you're happy with the price quoted. We think its Premier and Plus with Legal policies are well worth considering.

How we rate car insurance

We review a lot of policies, and our Best Buy recommendation recognises the individual products that stood out as being the most comprehensive in our analysis.

It doesn't reflect customer service. However, providers can't be Best Buys if there's evidence – either from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Policies named as Best Buys must have a minimum policy score of 65%.

We also look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated.

Lastly, all Best Buy policies must provide the following levels of cover as a minimum, either as standard or as an option:

comprehensive cover (meaning it covers third-party claims, fire, theft and accidental damage to your car)
a temporary courtesy car if yours is under repair or has been stolen or written off
a repairs guarantee period of at least three years
cover for damage to your windows or windscreen
legal expenses cover
liability cover of £20m or more
personal accident cover.

Find out more: how we rate policies.

We analyse and rate 94 key elements of car insurance policies to come up with the overall policy score.

Initially, we score all the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers.

We assess how important different policy elements are to drivers when choosing and using car insurance, and weight different areas of cover accordingly.

Find out how Quote Me Happy rates for other products

Quote Me Happy home insurance review