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Quote Me Happy home insurance review

Quote Me Happy offers two Best Buy policies
Dean SobersSenior researcher & writer

Dean is an award winning personal finance writer who's spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

Quote me happy

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In this article

As well as providing home insurance, Quote Me Happy also offers car insurance and life insurance

We've reviewed three home insurance policies – Essentials, Essentials Plus and Premier. All three are underwritten by Aviva Insurance Ltd. 

You can buy directly from Quote Me Happy and the policies are also all on comparison websites.

Please note that this article is for information purposes only and doesn't constitute advice.

Does Quote Me Happy offer the best home insurance?

Here's how Quote Me Happy scored in our last survey.

  • Two Best Buys for buildings cover in both its Essentials Plus and Premier policies.
  • 77% buildings score on its standard policy Essentials Plus, 4th out of the 35 policies compared.
  • 66% contents score, 20th out of the 35 standard providers reviewed.
  • We didn't get enough responses to our claimants' survey to rate Quote Me Happy's customer and claims service.

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

What does Quote Me Happy home insurance cover?

We reviewed three Quote Me Happy policies. Select a policy from our table to see what it offers and what we scored it.

Quote Me Happy Premier

Buildings - Alternative accommodationUnlimited
Buildings - Burst pipesAs standard
Buildings - Escape of water excess£500
Home emergency cover limit£1,000
Home emergency - Central heating/boiler repair£1,000
Buildings - Groundwater floodingNot covered0 out of 5
Subsidence excess£1,000

Table last updated in September 2025. Next update in September 2026. We recommend checking policies before buying.

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‘Impressive buildings cover all round'

Dean Sobers, Which? home insurance expert, says:

Dean Sobers

Quote Me Happy’s mid-range Essentials Plus policy was a buildings Best Buy, achieving a laudable 77% policy score for its buildings cover, placing it in the top fifth of policies analysed. 

It did decently enough with its contents cover, scoring 66%, which is close to the 68% average.

It’s one of a few policies that offers no-claims discount protection as an add-on, which means that if you make a claim, your premium won’t go up as steeply as it otherwise would. And unlike many policies, it doesn’t cap the amount it will pay (within the total amount the policy can pay – your sum insured) for putting you in temporary accommodation if you’re unable to live at home during a claim. 

We were less keen on a comparatively low claims limit per item of contents, at £1,500. Its contents cover also doesn’t cover credit cards or digital downloads, which lost it some points in our analysis. 

Trying it on for size

If you decide to part company with your insurer within the policy’s cooling-off period, you may still face an early cancellation fee reflecting the insurer’s admin costs of setting up the policy. 

This isn’t the case with Quote Me Happy, which won’t charge for leaving if you decide it isn’t for you in the first 14 days. However, if you leave following the cooling-off period, a £34 charge will apply.

Essentials and Premier

Quote Me Happy’s pared-back Essentials cover predictably did less well than Essentials Plus when we assessed its cover levels. Nonetheless, its buildings cover still got a better-than-average score of 73% (the average was 71%). However, its contents cover was near the bottom of our table with a score of 55%.

Its Premier policy got 79% for its buildings cover – among the top five policies rated – and 71% for its contents cover (in the top half of scorers).

Like Essentials Plus, it was a buildings Best Buy. A poorer-than-average acceptance rate for contents claims meant we couldn’t give it similar recognition for its contents cover.

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

Quote Me Happy's Essentials, Essentials Plus and Premier policies can all be bought from the following price comparison websites:

  • Compare The Market
  • Confused.com
  • Go.Compare
  • MoneySuperMarket

Want to pay monthly? Quote Me Happy charges interest (at a variable rate), so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide.

How does Quote Me Happy compare with other providers?

Quote Me Happy's buildings cover for its standard Essentials Plus policy scored 77%. Which? Recommended Provider NFU Mutual and Nationwide Building Society both scored a little better – their standard policies got 78%.

As for contents insurance, Quote Me Happy's standard policy scored 66%. Direct Line, Santander and Nationwide all scored 67% for their standard policies.

How can I claim?

If you need to make a claim with Quote Me Happy home insurance, call 0345 030 6902. You can also call this number if you need help in an emergency.

Alternatively, you can make a claim online.

Should you buy Quote Me Happy home insurance?

Yes, if you're considering the Essentials Plus or Premier policies and the price is reasonable.

These policies are both Best Buys, unlike Quote Me Happy's less impressive Essentials policy.

How we rate home insurance

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About Us

Which? Limited is registered in England and Wales to 2 Marylebone Road, London NW1 4DF, company number 00677665  and is an Introducer Appointed Representative (FRN 610689) of the following:


1. Inspop.com Ltd for the introduction of non-investment motor, home and travel insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, and travel insurance products (FRN310635). Inspop.com Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to provide advice and arrange non-investment motor, home, travel insurance products (FRN310635) and is registered in England and Wales to Greyfriars House, Greyfriars Road, Cardiff, South Wales, CF10 3AL, company number 03857130. Confused.com is a trading name of Inspop.com Ltd. 


2. LifeSearch Partners Limited (FRN656479), for the introduction of Pure Protection Contracts and Private Health Insurance, who are authorised and regulated by the FCA to provide advice and arrange Pure Protection Contracts and Private Health Insurance Contracts.  LifeSearch Partners Ltd is registered in England and Wales to 3000a Parkway, Whiteley, Hampshire, PO15 7FX, company number 03412386.


3. HUB Financial Solutions, for the introduction of equity release advice and an annuity comparison service, who are authorised and regulated by the Financial Conduct Authority (‘FCA’) to provide advice and guidance on financial products for those who have retired or are approaching retirement (FCA Firm Reference Number: 455713). HUB Financial Solutions is registered in England and Wales to Enterprise House, Bancroft Road, Reigate, Surrey RH12 7RP, company number 05125701.


4. Alan Boswell Insurance Brokers Ltd (FRN 301), for the introduction of non-investment landlord insurances, who are authorised and regulated by the Financial Conduct Authority to provide advice and arrange insurance contracts. Alan Boswell insurance brokers Ltd is registered in England at Prospect House, Rouen Rd, Norwich NR1 1RE, company number 02591252.


5.Stickee Technology Limited for the introduction of non-investment pet insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to arrange non-investment pet insurance products (FRN916665). Stickee Technology Ltd is authorised and regulated by the Financial Conduct Authority (FCA)  in England and Wales; 3rd floor, 1 Ashley Road, Altrincham, Cheshire, UK WA14 2DT Registered company number 06711740


6. Travel Insurance Facilities Plc (FRN306537), for the introduction of travel insurance, who are authorised and regulated by the Financial Conduct Authority (FCA) to arrange non-investment insurance contracts. Registered in England under company number 3220410 at Suite 12, 20 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU.

 

Other financial services:


Mortgage service provided by London & Country Mortgages (L&C), Unit 26 (2.06), Newark Works, 2 Foundry Lane, Bath BA2 3GZ. London & Country are authorised and regulated by the Financial Conduct Authority (registered number: 143002). The FCA does not regulate most Buy to Let mortgages. Your home or property may be repossessed if you do not keep up repayments on your mortgage.


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