Do you want to know if Hedgehog Insurance is a good insurer? Hedgehog Limited is an insurance intermediary registered with the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority (FCA) under registration number 845706.
When it comes to finding the best car insurance deal, it is not all about the price. Indeed, focusing solely on getting the cheapest deal may be a poor decision when it comes to receiving a fair payout in the event of an accident.
We thoroughly examined Hedgehog car policy terms and conditions and bring our reviews based on various criteria.
Continue reading this article to see if Hedgehog is the right car insurance for you.
What is hedgehog insurance?
Hedgehog is an online car insurance company whose policies are underwritten by Berkshire Hathaway International Insurance Limited, one of the world’s largest companies by revenue.
This strengthens the insurance company’s financial position.
Hedgehog provides car insurance services at low and reasonable rates. Third-Party Fire and Theft and Comprehensive are the two levels of car insurance policies offered by the company.
The comprehensive level of cover includes many features such as courtesy car, key cover, windscreen repair, personal injury cover, new car benefit, stereo cover, and European cover.
For an additional fee, features such as motor legal protection, breakdown, or premium hire car cover (a premium courtesy car, including if yours is stolen or written off after an incident) can be added.
Who owns hedgehog insurance?
It is a subsidiary of Berkshire Hathaway International Insurance Limited.
Berkshire Hathaway, based in the United States, is one of the world’s largest companies by revenue and is frequently ranked among the top ten global corporations.
Hedgehog is an online-only insurance company that can pass on any savings to customers in the form of lower car insurance premiums.
Is hedgehog insurance any good?
Hedgehog Insurance debuted in 2018 as an all-online auto insurance provider. Its founders, Pete Storey and Ben Gower wanted to target drivers who might be considered higher-risk and thus face higher premiums, such as those with points on their license or a driving conviction. Berkshire Hathaway International underwrites Hedgehog car insurance policies, and they strive to meet their customers’ needs at a reasonable price. Their headquarters are in Cardiff, Wales.
Third-party, fire and theft, and comprehensive car insurance policies are available to drivers. Third-party, fire, and theft policies cover injury or damage to third-party individuals and property, as well as damage or loss to your own vehicle caused by fire or theft.
These policies may also include car seat coverage, fitted audio and navigation equipment coverage, and coverage for driving abroad. Hedgehog’s comprehensive car insurance includes these levels of protection, as well as accidental damage cover, misfuel cover, new car replacement, windscreen cover, personal accident, medical expenses, personal belongings, and lock replacement cover.
Hedgehog also provides policyholders with the option of purchasing a number of optional extras if they require additional protection. Drivers, for example, could add breakdown cover, legal care, replacement car, windscreen cover, enhanced key cover, and enhanced personal accident cover to their policy. If they decide to add breakdown cover, they can select from basic, national, home assistance, or European coverage.
If certain criteria are met, Hedgehog comprehensive insurance policyholders may also be insured to drive other cars.
Hedgehog car insurance quote compare
These online car insurance company, allows customers to manage their policies online, which allows them to offer lower prices than you might find elsewhere.
Hedgehog car insurance cost?
It’s difficult to give an average cost for a Hedgehog car insurance policy because, like most insurers, this provider will consider a wide range of variables when calculating a premium, many of which are unique to the policyholder.
For example, whether you’re a provisional driver, a newly qualified driver, or a seasoned pro will affect the cost of your Hedgehog car insurance, as will your location, occupation, driving record, and annual mileage.
The insurance group of the vehicle will also be an important consideration in calculating the insurance premium.
With that in mind, the only way to get an accurate idea of the type of car insurance premium Hedgehog may be able to offer you is to request a quote from them.
Furthermore, get a hedgehog insurance quote here.
Hedgehog insurance no claims bonus
It should come as no surprise that Hedgehog Insurance, as an entirely online car insurance provider, allows customers to provide proof of no claims via the company’s own website. However, policyholders can access their Hedgehog account and upload the scanned documentation from their previous insurance provider proving their no claims discount.
Is it worth losing no claims bonus
It is up to you to decide whether it is worthwhile to protect your no-claims discount.
If you have a no-claims bonus of five years, it will significantly reduce the cost of your car insurance.
The opportunity to protect that reduction may appear to be a no-brainer at first glance. By protecting it, you’ll be locking in your no-claims discount. Even if you have an accident, you will continue to pay less for your insurance. However, if you have multiple accidents in a single year, you may lose your discount.
The downside is that you’ll have to pay an extra fee for the protection. It can be difficult to determine whether purchasing protection makes you better off.
If you purchase protection for your no-claims bonus, it will increase the cost of your premium. However, if you are in an accident and do not have no-claims protection, you will lose your discount and end up paying more in the future.
Is hedgehog insurance black box
No, despite being a technology-focused car insurance provider, Hedgehog Insurance does not use telematics (or black box policies, as they are more commonly known).
Instead, Hedgehog focuses on using digital technologies to improve risk assessment, customer service, and policy management.
Hedgehog car insurance cover
Breakdown cover
There are four levels of coverage available:
Basic recovery: This level of coverage includes roadside assistance, alternate modes of transportation, and overnight accommodations as needed.
National recovery: This cover level includes everything listed in the basic recovery cover level, plus nationwide recovery services.
Home assistance: This cover level includes everything listed in the basic recovery cover level, as well as home assistance in the event of a breakdown.
European: This cover level includes everything listed in the home assistance cover option, plus the Pre-Departure Cover option, which covers foreign travel.
Windscreen cover
Hedgehog provides windscreen cover as well as a sum of £500 to cover the cost of repairs for broken windows or windscreen glass (excluding sunroof or paranormal glass) if the damage to the windscreen is severe enough to cause the vehicle to fail an M.O.T. test.
Furthermore, if you need to report glass damage, you can call Hedgehog’s partner Autoglass directly or visit their website.
Motor legal protection
Hedgehog only provides motor legal insurance when there is a greater than 50% chance of winning the case and obtaining a favourable outcome. If this is feasible, a sum of £100,000 would be offered to cover the following expenses:
- 24/7 Legal Advice
- Insurance to cover for legal costs to address some types of disputes.
How do i contact my hedgehog auto insurance
Because Hedgehog auto insurance is only available online, there is no direct phone number to call to reach customer service.
There is an online chat function with a helping robot available 24 hours a day, seven days a week, and their customer service team is available via chat Monday through Friday from 9 a.m. to 5.30 p.m.
Also, customers can reach out to customer service via email at help@hedgehoginsurance.com.
Hedgehog insurance cancellation fee
Hedgehog charges a variety of cancellations and other administrative fees. If you plan to cancel your policy (for example, if you plan to sell your car), you should be aware of these fees. However, click here for a complete list of their fees and charges, but here are a few of the more common ones:
| Hedgehog insurance policy fees | Fees |
|---|---|
| New policy or renewal fee | £10 |
| Customer cancels policy | £50 |
| Change of data | £10 |
Conclusion
Hedgehog auto insurance is a good brand to consider if you’re looking for a good price on a policy with a solid set of features.
FAQs about Hedgehog insurance
It’s difficult to provide an average cost for a Hedgehog car insurance policy because, like most insurers, this provider will consider a wide range of variables when calculating a premium, many of which are unique to the policyholder.
Hedgehog received a 5-star rating from defaqto for their car insurance, which is based on the features offered rather than customer service.
The company is an online car insurance company whose policies are underwritten by Berkshire Hathaway International Insurance Limited, one of the world’s largest companies by revenue.
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