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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.
Both Quote me Happy's Premier and Plus with Legal policies were Best Buys; the difference is that Premier also includes breakdown cover
Policies
See how this compares with the best car insurance, or read more about how we rate car insurance.
We reviewed five of Quote Me Happy's policies. Select a policy from our table to see what it offers and how it scored.
| Compare insurance providers | |||
|---|---|---|---|
| Fire excess | No excess | Check you're getting a great deal on car insurance using the service provided by Confused | |
| 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 |
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.
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.
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.
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%).
You can buy Quote Me Happy policies directly from its website, or from the following comparison websites:
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.
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.
If you need to make a claim with Quote Me Happy car insurance, start a claim online. For help, call 0345 030 6902.
Yes, if you're happy with the price quoted. We think its Premier and Plus with Legal policies are well worth considering.
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