GoSkippy Car Insurance Reviews: Real Customer Opinions and Ratings

When looking for car insurance GoSkippy is a name that comes up. If you’re considering GoSkippy car insurance, what other customers say can help you make a decision. With so many customer reviews online it’s important to weigh up the good and the bad before you commit.

Many customers like the competitive pricing with GoSkippy so it’s a good option for budget drivers. Some reviews mention high cancellation and brokerage fees which can be a big problem for some policy holders.

From the application process to the claims process GoSkippy car insurance customers have had very different experiences. Whether you’re after low rates or good service, read these reviews to get a better idea of what to expect.

GoSkippy Car Insurance Review

GoSkippy Car Insurance offers a range of insurance options with a focus on price and customer service. Here’s a quick summary of the history and the types of insurance.

GoSkippy was set up to offer car insurance services to UK drivers. Since then it’s aimed to simplify the insurance process. The company quickly grew in popularity due to its simple policies and low rates and got many positive reviews from customers.

Over the years GoSkippy have built a reputation for excellent customer service as seen in many Trustpilot reviews where users often praise the company for fast and efficient service. Despite some bad experiences many users recommend GoSkippy because of the price.

Types of Policies

GoSkippy offers several types of car insurance policies:

• Third Party Only: This basic cover protects others and their property.

• Third Party, Fire and Theft: Third party cover plus fire and theft cover for your car.

• Comprehensive: Third party, fire and theft plus damage to your car, medical expenses and personal belongings.

These policies are flexible so you can choose to purchase the level of cover that suits you. Many customers like the options and find them easy to buy.

Cover Options

GoSkippy offers several car insurance cover options, each to suit different levels of cover and budget. You can choose from comprehensive, third party, fire and theft and third party only cover.

Comprehensive Cover

Comprehensive is the highest level of cover available from GoSkippy. It covers not only other people’s property and injuries but also your own vehicle. It covers theft, fire, vandalism and accidental damage.

You can add extra benefits like windscreen cover, personal accident cover and a courtesy car if your vehicle is being repaired. It often has options to tailor your policy further like breakdown cover, repair cover and legal assistance.

Third Party, Fire and Theft

Third party, fire and theft cover is the middle ground. It covers any damage you may cause to other people’s property or injuries to other people like third party only cover. It also covers your car in case of theft and fire damage.

This type of cover is good if you want insurance provider to cover the common risks without the cost of comprehensive cover. You may also have options for personal belongings cover to make your policy more flexible.

Third Party Only Cover

Third party only cover is the minimum legal requirement for car insurance in the UK. It covers any damage you may cause to other people, their vehicles or their property. This type of cover does not cover your own vehicle for theft, fire or damage from an accident.

This cover is often chosen for older vehicles where the value doesn’t justify the cost of comprehensive cover. It’s the cheapest option but offers the best value with the least amount of cover compared to the other cover options.

Customer Service Experience

Good customer service is important when choosing a car insurance provider. the insurer GoSkippy gets mixed reviews for their support channels and service hours.

Support Channels

GoSkippy has several support channels for their customers. You can contact them by phone, email and online chat. Many customers mention helpful and friendly staff in their reviews. Some customers have had good experiences when renewing insurance or getting questions answered quickly.

But others have had challenges and had to wait long time on the phone. Reviews say it can be hard to get through to a person. A few customers had bad experiences which may affect ratings and your overall experience.

Service Hours

GoSkippy has service hours during standard business hours. This includes weekdays and weekends but weekend hours may be limited. According to Trustpilot reviews, some customers like that they can manage their policy online without having to speak to an advisor.

But there are complaints about the service availability. Some customers mention that it’s hard to get a response on time especially during peak hours. This may be a problem if you need immediate assistance with your policy.

In summary, GoSkippy’s customer service experience is mixed. While many customers have good experience, there are also complaints about wait times and service quality.

Claims Process

Filing a claim with the provider GoSkippy involves a few steps and they are good at resolving claims. This section explains how to file a claim and GoSkippy’s process in handling and resolving claims.

Claim Filing Procedure

To file a claim with GoSkippy, you can start by contacting their customer service. You will need your policy number and details of the incident. Gather any necessary documents like photos and reports before contacting them.

When you call, they will guide you through the process. You may need to send in supporting documents via email or post. Remember to ask for timelines on when you can expect follow-ups or resolution.

This step by step process ensures nothing is missed and all information is recorded correctly. Always keep copies of all communication and documents for your records.

Claims Resolution

GoSkippy is known for their competitive rates and simple insurance application process. But customer feedback on claims resolution is mixed. Some customers praised the promptness and efficiency, got their claims processed quickly and hassle free.

Others had delays and difficulty getting updates. Make sure to follow up if you don’t hear back from insurance company within the given time. Using their online claim tracking can also help your insurer to keep you updated.

Communication is key but experiences may vary. Report any issue as soon as possible and keep records of all interactions. This will help in smoother resolution process.

Policy Management

Policy management with GoSkippy is designed to be simple and easy. You can manage your policy through their online portal, making changes and renewals easier.

Online Portal

GoSkippy online portal has a user friendly interface for managing your car insurance policy. You can log in anytime to view policy details, pay and access documents.

You can also download your insurance certificate or policy documents from the portal. This is faster than waiting for postal delivery.

The portal has several reporting features to track your claims. This is helpful to stay updated during the claims process.

Changes and Renewals

If you need to change your policy, GoSkippy allows you to do so. You can update personal details, change coverage or add/remove drivers through their customer service.

For renewals, GoSkippy tries to offer competitive renewal rates to keep customers. You can renew online or contact their helpline for assistance.

Be aware there are fees for changes. Make sure to review the terms to know the costs involved. For those who want to cancel, be mindful of their cancellation fees which may be higher than others.

Pricing and Payment Options

GoSkippy Insurance is competitive in pricing. Many customers found their rates reasonable compared to competitive prices due to others. They have options to help you pay.

Payment Options:

• Monthly Instalments: Spread the cost over 12 months.

• Annual Payment: Pay the full amount upfront.

Fees:

• Document Upload Fees: Some users mentioned charges for uploading documents to validate insurance.

• Cancellation Fees: Cancelling your policy may incur fees of £200-£300.

Quick and Easy Application: Application process is known to be simple, you can get insured fast. You can get your documents via email in just minutes.

Customer Reviews: Many users said GoSkippy has clear and transparent pricing. They mentioned paying in instalments is a big plus.

Read more about user reviews on Trustpilot.

Discounts and Offers

When getting car insurance, finding the best deals and discounts is key. GoSkippy has several ways to help you save on your next insurance policy.

Multi-car Discount

If you insure more than one car with GoSkippy, you can get a multi-car discount. This will reduce the overall cost.

No Claims Bonus

You can get a No Claims Bonus for every year you don’t claim. This will reduce your premium over time.

New Customer Discounts

New customers may get introductory rates so it’s cheaper to switch to GoSkippy.

Safe Driver Discount

If you have a clean driving record you may get a safe driver discount. This is a reward for good driving and will help reduce your cost.

Pay in Full Discount

Paying your annual premium in one go sometimes gives you a discount compared to paying monthly.

Comparison Website Offers

When you compare quotes through sites like Confused.com or Money Expert you may get exclusive discounts not available through GoSkippy.

Top Tip: Always ask about discounts when getting your quote to make sure you get the best deal and cheapest rate.

Customer Reviews and Ratings

When reading GoSkippy car insurance reviews it’s mixed. Some customers like the competitive rates and quick application process while others are unhappy with the fees and charges.

Many users on Trustpilot like GoSkippy’s pricing. One review had no complaints for 3 years and mentioned the customer service was helpful. Others liked the option to pay in instalments which is a big plus.

But there are also negative reviews. One customer was unhappy with the cancellation fees, he paid £227 including £75 broker fee and monthly payments. This is way higher than the £25-£40 fees.

Smart Money People shows mixed reviews. GoSkippy has a rating of 1.70 out of 5 based on 210 reviews. There has been an increase in 5-star reviews and decrease in 1-star reviews recently.

In summary GoSkippy car insurance gets both good and bad reviews. Make sure you weigh the pros and cons before you decide. When reading these reviews think about what matters most to you, cost, excellent service throughout or cancellation policies. Here are the key points:

• Good: Competitive rates, quick application, flexible payment options.

• Bad: High cancellation fees, occasional extra charges.

By reading the common themes in the reviews you can make a better decision if GoSkippy is for you.

Pros and Cons

GoSkippy car insurance has its benefits and drawbacks. Here are some of the key points:

Pros:

• Competitive Rates: Many customers say GoSkippy is cheaper than other insurers.

• Good Service: Several reviews mention good service from the customer team especially for policy renewals and advice.

• Trustpilot Rating: With over 20,000 reviews GoSkippy has a rating of 4.3 out of 5 on Trustpilot.

• Improvement Trends: 100% increase in 5-star reviews and 57% decrease in 1-star reviews in the last 90 days.

Cons:

• Mixed Reviews: While there are good reviews, some customers are unhappy especially with claims.

• Suspicious Review Patterns: Some reviews look suspicious, multiple reviews in one day, how credible is that?

• Not Mainstream: GoSkippy is not as well known as bigger insurers like Direct Line and Admiral which might be a consideration for some.

Use this to make your decision if GoSkippy car insurance company is for you.