5-star Defaqto rated cover from £129* per year

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Car Insurance

Never heard of us? We are actually one of the fastest growing brokers in the UK.

What does this mean for you?

This means that you can choose GoSkippy with confidence. Our user-friendly website makes it easy for you to get cheap car insurance quotes online. Over 280,000 people already trust us with their car insurance because we are both affordable and reliable. We also bring you excellent customer service and a large choice of optional extras.

GoSkippy offers car insurance with a number of policy options to suit a variety of customers and budgets. We offer comprehensive and third party, fire and theft cover. Compare car insurance quotes with GoSkippy today, or to find out what cover will suit you best, click here to read more.

5* Expert Ratings!

Our products have been designed to blend both affordability and product excellence. As a result we are proud to confirm that our Southern Rock and Watford car insurance policies are 5-star Defaqto rated.

Why choose GoSkippy Car Insurance?

Low priced
GoSkippy provides you with cheap car insurance in addition to giving you the choice to personalise your cover.

Optional extras
We have a large selection of Insurance Add ons such as RAC breakdown cover and legal protection, so we can build the complete package for your requirements.

24/7 policy access
Take control of your insurance, visit GoSkippy website and log into your Online Customer Portal, which can be accessed 24/7. Here you can make changes to your cover, request and send documents and have peace of mind that your cover is up to date.

Self-help service
If you are short for time, we have a excellent ‘self-help’ service where you can find answers to your questions without having to pick up the phone.

Online customer service
Find help through our social media sites, we have a team of our customer service agents who are ready and waiting to help you with your policy.

Competitive rates
Take out your Car Insurance quote today from as little as £128.08 per year*

What Do I Need To Get A Car Insurance Quote?

We understand that getting a car insurance quote can sometimes be quite stressful, however here at GoSkippy we have made it quick and easy for you to get a quote. You can receive a quote direct online, alternatively you can give us a call.

To help you prepare for purchasing your insurance, we have listed the information you will need to hand when you start your insurance quote:

1.Your Car details

We will need to know some information about your car. If you know your registration then our system will automatically fill in the majority of the car details for you. Do not panic if you do not know your car registration, just select ‘I don’t know my registration number’ and you will just need to enter the make, model and the year it was made manually and we will do the rest for you.

2. Driver information

As well as your car details, we will request some personal information about all drivers on the policy, including names, date of birth and driving licence details. We will also need to be aware of any motoring claims or penalty points you or your name drivers may have. We will ask for details of any claims or motoring within the last 3 years and motoring convictions within the last 5 years.

3. Your no claims discount

We want to help you reduce the cost of your car insurance, so be sure to enter your correct amount of no claims discount you have earned. Your no claims discount is based on the amount of years have been driving with zero claims. The higher your no claims discount is, the better premium you will receive. You should be able to find this on your previous insurers policy documents.

4. Your policy start date

It is important that we know when you would like your policy to start. Please have this in mind when starting your quote. An incorrect start date may affect your premium.

Our Happy Customers

Don’t just take our word for it

Frequently asked questions

What is car insurance?

Car insurance is a legal requirement. Depending on your level of cover, car insurance can pay out if you are involved in a motor accident, your vehicle is damaged or stolen. Third Party Insurance is the legal minimum level of cover.

What is a car insurance excess?

An excess is the amount you are required to pay towards any claims you make on your policy. Usually this is made up of two parts; compulsory and voluntary excess. If the accident is determined as non-fault, you may receive the excess back. We offer excess protection cover which you can add to your policy, read more here.

What is a NCD?

Your No Claims Bonus/Discount is the number of years in which you have had insurance cover and have not made a claim on your policy. The more years NCD you have the bigger the discount you will receive from your insurance premium. We also offer NCD protection which you can choose to add on to your policy, which means that if there was a claim made on your policy, you may not lose any of your years NCD.

Will GoSkippy match competitors price?

We try to provide our customers with the best possible prices which means our best price is always displayed online so hopefully we don’t need to price match.

Can I drive other cars whilst on third party only cover?

Only if you have Driving Other Cars cover, this will be clearly stated on your certificate of insurance and you should check first to ensure you don’t drive without insurance. This cover is not available with our commercial vehicle insurance policies.

Do I have to tell you about previous conviction(s) and offence(s)?

Yes. It is important to let your insurer know of any convictions when taking out or renewing a policy to ensure you are paying a premium based on the correct details. If we don’t hold the correct information you may have problems at claim stage, for example your policy may be declared void or you may be paid less for a claim to make up for the fact you were not paying the correct premium. You can do this easily by contacting our customer services team.

Do you accept foreign licences?

It is your responsibility to ensure that you hold the correct entitlement to drive the insured car. We do not accept international or any other type of foreign licences. Tip: If in doubt, please check with the DVLA and/or equivalent organisation from the country of origin.

What should I do in the event of an accident?

You can report you claim online quickly and easily or contact our Claims Team on 0344 840 9503
Remain calm
Don’t accept liability
Exchange details with the other party (including names, phone numbers and address, make, model and registration number of the vehicle, and details of their insurance company).
Take down details of any witnesses or police officers that attended the scene
Take photos if you can
Send us any documentation you receive to do with the accident

Do I have to inform you if I am going to Europe on holiday, do I need a green card? Also, do I need to pay for cover abroad?

It’s best to contact us if you plan on travel abroad so we can confirm that you have the correct cover for the countries you are visiting. If you are travelling in the EU you currently do not need a Green Card to travel as listed in the EU Motor Insurance Directive.

Have more questions about car insurance? Visit our FAQ’s

Car Insurance Optional Extras (Add Ons)

GoSkippy make is easy for you to upgrade your Car insurance with a range of add ons including Legal Expenses, RAC breakdown cover, Misfuelling, Windscreen cover, Key cover, Excess Protection and Replacement Vehicle cover.

Legal Expenses

Protect yourself from any unexpected legal costs… For as little as £25.99 per annum you will be covered for up to £100,000 for a panel of solicitors to assist you in recovering any money you’ve paid out following a car accident where the other driver is at fault. This will provide for Legal Costs to pursue damages where another driver has caused you injury or death, or you’ve had to pay your policy excess or any other expenses. Legal costs to defend against prosecution where you have committed an offence while using your vehicle (where there is a reasonable chance of a successful outcome). Legal costs to protect you where your vehicle’s identity has been cloned by someone else without your permission. 24-hour legal advice helpline so you can talk to one of our experts at any time about any legal concerns you have. Standard policy exclusions apply, full details are available in the policy documents.

Replacement Vehicle Cover

Making sure you don’t have to fall back to public transport…. For £33.99 per annum you will be provided with a replacement vehicle for up to 14 days. You will be covered whether your vehicle is un-drivable or written off, excluding when your vehicle has broken down. A hire vehicle will be provided if your vehicle is stolen, or damaged or deemed un-drivable after an accident with another vehicle. Replacement vehicle provided if your vehicle is stolen or immobilised as a result of an attempted theft, vandalism, or criminal damage. 24-hour helpline, so you can speak to us day or night. Standard policy exclusions apply, full details are available in the policy documents.

Breakdown Cover

Don’t leave yourself stranded at the roadside… With GoSkippy breakdown cover you will receive RAC roadside assistance 24 hours a day 365 days a year. RAC breakdown patrols fix four out of five vehicles at the roadside, within an average of 30 minutes. And their patrols carry over 500 parts and tools, including a universal spare wheel, to get you moving again. RAC Roadside & Recovery – £58.99 per annum Free vehicle repair at the roadside and if they can’t fix your vehicle it will be recovered to a destination of your choice, providing you are more than ¼ of a mile from your home. No Call out charges. Roadside assistance if the vehicle has broken down in the UK, Guernsey, Jersey or the Isle of Man. RAC Full UK Breakdown – £92.99 per annum Free vehicle repair at the roadside and if they can’t fix your vehicle it will be recovered to a destination of your choice. No Call out charges. Roadside assistance if the vehicle has broken down in the UK, Guernsey, Jersey or the Isle of Man. Replacement car hire, alternative transport costs or hotel accommodation will be provided if your vehicle cannot be repaired at the roadside. RAC Full UK & EU Breakdown – £118.99 per annum Assistance at the roadside by a local breakdown company or garage. If the vehicle cannot be repaired at the roadside it will be recovered to the nearest garage. Up to 14 day hire car (£125 per day and max £1500) If broken-down in Europe. Vehicle transported back to the UK, prodicing the repatriation cost is less than the market value of the vehicle. Standard policy exclusions apply, full details are available in the policy documents.

Keycover

“Where are my keys?…” With GoSkippy Key cover, for £16.99 per annum you will never have to worry about misplacing your keys again. Key cover provides a key fob, and any keys attached to the key fob will be covered such as vehicle keys (including reprogramming of immobilizers and alarms), home and office keys (including security keys and safes). If your keys are stolen, lost, or become broken, or where your keys are locked in denying access to your property, you will be reimbursed the cost of gaining access and/or reimbursement for replacement keys, repair, or replacement of the damaged locks. If you become stranded due to theft or loss of keys, away from home, you are entitled to up to £75.00 per day inclusive of VAT for vehicle hire, for up to 3 days. You will be covered for up to £500 per claim and no excess will be payable. Any claims made will not affect your No Claims Discount. Standard policy exclusions apply, full details are available in the policy documents.

Misfuelling

In case you put the wrong fuel in…. If you accidentally put the wrong fuel in, for only £16.99 per annum a specialist roadside vehicle will attend and get you back on the road. Your fuel tank will be drained and flushed at the roadside and replenished with 10 litres of the correct fuel. If required, the specialist will recover you and up to 6 passengers to the nearest repair centre to drain and flush the fuel tank and replenish with 10 litres of the correct fuel. Dedicated emergency help line. Up to a maximum value of £250 per claim and a maximum number of 3 claims per annum, per vehicle. Standard policy exclusions apply, full details are available in the policy documents.

Windscreen Cover

How much? It was only a little crack… A cracked windscreen can not only be expensive, but can also be an MOT failure. You can cover your windscreen, and the other car windows for only £33.99 per annum. Best of all, it won’t affect your no claims bonus. Repair or replacement of your Vehicle’s windows or windscreen glass due to breakage. £100 excess payable for each claim, any claims made will not affect your No Claims Discount. 24/7 Helpline. Included as standard with all our fully comprehensive policies. Standard policy exclusions apply, full details are available in the policy documents.

Excess Protection

Sleep well at night knowing you are fully protected… Having an accident can be a pain, then having to pay your excess can just add insult to injury. Our excess protection policy will enable you to claim back your compulsory excess to lessen the burden. We have two levels of cover to suit all budgets starting from £27.99 per annum. You are covered for any claim for an amount equal to your compulsory excess, providing the compulsory excess is higher than the total claim. XS protect £250 – Level of cover under this policy is up to £250 per annum. XS protect £500 – Level of cover under this policy is up to £500 per annum. Standard policy exclusions apply, full details are available in the policy documents.

Types of cover

What does Comprehensive insurance offer?

Fully Comprehensive Insurance – also known as fully comp – is the highest level of vehicle insurance cover available. With fully comp you will be covered against all of what is provided for TPFT plus accidental damage to your car for any accidents that you may have, whether it results in a fault or non-fault claim. Fully comp provides protection for yourself, your vehicle and for others. Your vehicle is even protected when unattended including any vandalism damage, theft, fire and accidental damage. Without fully comprehensive cover you are at risk of having to fork out for any repairs yourself. It gives you that added level of protection and peace of mind that you won’t have to pay for unexpected expenses. However, whether or not it is your fault, claims can result in loss of No Claims Bonus, you may have the option of protecting your No Claims Bonus, you can speak to one of our advisors for more information. Remember, an excess is payable in the event of a claim.

What does Third Party, Fire and Theft insurance offer?

Third party, fire and theft (TPFT) offers slightly more that the legal minimum level of cover for vehicles. TPFT Insurance provides cover for the cost of any damage or any injuries to a third party that are caused if your vehicle is involved in an accident. This level of cover also extends to fire damage of your car, or damage arising out of the theft or attempted theft of your car. You are not covered for damaged to your own car in the event of an accident that was your fault.

We are always here to help

Our Car insurance specialists will assist you with any insurance queries you may have.

To make it more convenient for you, you can talk to our friendly customer service team online! We have live chat on our website, so you don’t always have to pick up the phone. You can also talk to the team via our social media pages linked below:

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Prefer to find the answers yourself? Visit our Self Help service by clicking the icon to the bottom-right of this website.

Still need help? Give us a call and talk to one of our Car Insurance Experts by calling customer service on: 0344 840 6302

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*Based upon our lowest paid premiums from 31st Oct’ 16 to 31st May 17.