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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
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This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.
We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.
In this article
We've reviewed three home insurance policies – Essentials, Essentials Plus and Premier.
You can buy directly from Quote Me Happy and the policies are also all on comparison websites. All three are underwritten by Aviva Insurance Ltd.
As well as providing home insurance, Quote Me Happy also offers car insurance and life insurance.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
Two of Quote Me Happy’s policies boast Best Buy buildings cover.
Policies
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed three Quote Me Happy policies. Select a policy from our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | £70,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £500 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Included | |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £1,500 | |
| Contents - Alternative accommodation | £20,000 | |
| Contents - Accidental damage | Optional extra with some cover included as standard | |
| Contents - Guests' belongings | £2,000 | |
| Contents - Theft of contents in the open | £1,500 | |
| Contents - Damage to contents in the open | £1,500 | |
| Contents - Theft from outbuilding | £5,000 | |
| Contents - Damage to contents in an outbuilding | Up to sum insured | |
| Contents - Personal possessions cover single item limit | £1,500 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
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Dean Sobers, Which? home insurance expert, says:
Quote Me Happy’s Premier buildings policy was in the top fifth of those we examined – scoring 75%. It’s one of our Best Buys.
It didn’t quite pull off the same feat with its contents cover, though. It scored a more-than-respectable 70%, but we didn't make it a Best Buy due to its cover limit for valuables and its underwriter's claims acceptance rate.
It’s one of the few policies that offer 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. It also covers guests’ and carers’ belongings for up to £2,000.
We were less keen on a comparatively low £1,500 claims limit per item. Its contents cover also doesn’t cover credit cards or digital downloads, which lost it some points in our analysis.
If you decide to part company with your insurer within the 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 if you decide it isn’t for you and leave in the first 14 days. However, if you leave following the cooling-off period, a £34 charge will apply.
The alternatives to Quote Me Happy’s Premier cover are Essentials and Essentials Plus. Essentials Plus – with buildings and contents scores of 74% and 68% – is also a Best Buy for buildings cover.
Essentials wasn’t, but still earned a middling buildings score of 71%. Its contents cover was in the bottom fifth of policies we looked at with 59%.
Quote Me Happy's underwriter Aviva Insurance Limited accepted 65-70% of claims on buildings-only policies – slightly above the industry average of 62%. Some 5-10% of claimants on these policies lodged a complaint, which is below average (13%).
Meanwhile, the underwriter accepted 60-65% of claims on contents-only policies – slightly below the average of 71%. Some 5-10% of claimants complained, which is in line with the 7% average.
When it came to claims on combined policies, the underwriter accepted 70-75% of claims – in line with the 71% average. Some 10-15% of claimants complained, which is also in line with the 12% industry average.
Quote Me Happy's Essentials, Essentials Plus and Premier policies can all be bought from the following price comparison websites:
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 2026. For more ways to save money when buying insurance, see our guide.
While we did not have enough customer feedback to calculate an overall satisfaction score for Quote Me Happy, its Essentials Plus buildings policy scored 74% and ranks joint 4th in our standard buildings cover table. Standard policies from Bank of Scotland, Lloyds Bank, Nationwide and others matched its score.
As for contents insurance, its standard Essentials Plus policy scored 68% and sits in 13th place among standard policies. This positions it just below Nationwide and John Lewis (both with 69%) and slightly ahead of Churchill, Lemonade and LV - which all scored 67%.
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.
Find out more: Is it worth claiming on your home insurance?
Yes, for buildings insurance. Two of its policies were Best Buys for buildings cover, making it well worth considering if the price is in your budget.
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