Rooster Car Insurance
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Compare car insurance quotes from a panel of UK insurers, in one quick form.
MultiQuoteTime is not affiliated with Rooster. Quotes are provided by an FCA-regulated panel of UK car insurance providers.
Get Multiple QuotesWhat Is Rooster Car Insurance?
Rooster is a tech-led insurer that prices car insurance based on how you actually drive, tracked through a mobile app, rather than traditional factors like age or occupation. It’s a genuinely different model to most UK insurers, and one worth understanding before you decide if it’s right for you.
Rooster claims safe drivers can save up to 40% by cutting out the “crude demographics” traditional insurers use to set prices. If your driving profile comes back as high-risk, Rooster will decline to insure you rather than charge a high premium, which is the trade-off for the model.
Whether that’s a better fit than a traditional panel-based policy depends on your driving habits and how comfortable you are with app-based tracking. Compare quotes from a panel of specialist UK car insurance providers we have access to and weigh Rooster’s approach against the alternatives.
How Does Rooster Car Insurance Work?
Four steps from download to driving on cover
Download the app
Take a photo of your driving licence or enter your details manually. No lengthy forms.
Complete the test drive
Drive normally with your phone in the car for 3–4 weeks. Sensors and AI assess your driving behaviour throughout. Test drives remain valid for 18 months.
Get your personalised quote
Safe drivers receive a quote based on their actual driving, valid for 60 days. If your profile reflects higher risk, Rooster may decline to offer cover.
Customise and pay in-app
Adjust your comprehensive cover and complete payment directly through the Rooster app.
Who Is Eligible for Rooster Car Insurance?
Rooster’s published eligibility for annual insurance customers, per their own app listing:
Age
18 to 85 years old.
Licence
Full mainland UK licence held for over 12 months. Northern Ireland licences not currently accepted.
Vehicle age
Under 20 years old, not imported.
Vehicle value
Under £70,000.
Claims history
No more than 2 fault claims in the last 2 years, and no policy previously cancelled or voided by an insurer.
Younger drivers: if you’re on the younger end of the eligible range, Rooster applies additional restrictions by the car’s ABI insurance group, so not every vehicle is available at every age. If you don’t meet Rooster’s criteria, compare young driver car insurance or new driver car insurance options from our panel instead.
What Does Rooster Cover Offer?
Rooster offers comprehensive cover only, there’s no third-party or TPFT option. Standard inclusions cover:
Uninsured driver promise
Protects your no-claims discount and refunds your excess if hit by an uninsured driver.
90 days EU cover
Matching your UK policy level for up to 90 days driving in the EU.
Windscreen repair
Included as part of the standard policy.
No claims discount protection
One year of NCD protection included.
Courtesy car
Provided free while your vehicle is repaired by an approved repairer.
Breakdown cover
Available as an add-on from £2.99.
Ways to Save on Car Insurance
- Improve your credit score: check it regularly and clear debt where you can, this can make you a more attractive customer to insurers and lower your premium.
- Compare quotes from different insurers: some brokers specialise in specific risk profiles, including high risk driver car insurance, and may offer better rates than a generalist.
- Keep your mileage low: less time on the road means less risk in an insurer’s eyes, which can bring your premium down. Not sure what counts as low? Check our average miles per year calculator to see how your mileage compares.
- Pay annually rather than monthly: monthly instalments usually include interest, so paying upfront is typically cheaper overall.
- Consider a higher voluntary excess: confident, careful drivers who rarely claim can lower their premium this way.
- Check your car’s insurance group: switching to a car in a lower group can meaningfully reduce your premium.
- Use telematics where it suits you: safe drivers can be rewarded with discounts through black box or app-based policies, Rooster included.
How to Compare Multiple Quotes at MultiQuoteTime.co.uk
Have the following information available to complete the online quote form.
- Enter your details: car details, personal information, and driving history
- Select coverage: choose third-party, comprehensive, or fire and theft, plus any additional options
- Get multiple quotes: compare several insurers based on your input
- Check prices: you could save £££’s
Rooster Car Insurance Reviews
Ratings correct as of publication and may have changed, check Trustpilot and the app stores directly for the current figures.
Most negative reviews centre on being declined cover after completing the test drive, which typically reflects the driving-risk assessment rather than a service issue. Positive reviews consistently mention responsive customer support during claims and policy changes.
How Do I Get in Touch with Rooster?
Rooster Car Insurance FAQs
MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs.
