Hedgehog Car Insurance, UK

Who are Hedgehog car insurance?

Hedgehog car insurance is an online only insurance firm that has been open for operations since 2018 and is based out of Cardiff, Wales. Their policies are underwritten by Berkshire Hathaway International Insurance Limited group. Their aim is to provide reasonably priced cover for high risk drivers who have points and or conviction on their driving record.

Hedgehog Car Insurance Customer Service and Helplines

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Customer Services	Online Chat or Email
Opening Times : Monday to Friday 9am to 5:30 pm, excluding bank holidays
Claims	claims@hedgehoginsurance.com
Customer Services	help@hedgehoginsurance.com

How does Hedgehog keep their policy costs down?

Hedgehog is an online only company, so the staff numbers are smaller than in other typical insurance firms. There are no personnel assigned to social media, and customer service is only accessible via email or live online chat on their website. The operating hours are from 9 am to 5:30 pm during the work week.

Hedgehog invest in technology to improve their ability to analyse data and generate quotes based on innovative approaches to evaluating the risk posed. This as mentioned reduces staff costs and these saving can be passed on to the customer as in the form of cheaper quotes. 

The owner of the policy also manages their own account online. No high-pressure salesperson is trying to sell you anything you do not need or want.

How much does Hedgehog Car Insurance cost?

The cost of a hedgehog insurance policy will vary as like other insurance providers they will take into account detail about the driver and the car to be insured. If you have a history of making claims, expect to pay more than a driver with a better history. If the car is a high insurance category, again you will pay more than for a car in lower insurance racket. The difference with Hedgehog insurance is that will let you install a black box to help lower any future premiums should that data show you to be low risk than 

Does Hedgehog car insurance renew automatically

Hedgehog will send a renewal notice 28 days prior to the policy end date. Within the customer portal, an option is provided to set auto renewals using payment card details that are held on file. To cancel this, you must cancel this at lease 3 days before the auto renewal date.

Is Hedgehog Insurance a telematics provider?

No, although Hedgehog Insurance approach is to be competitive based on the use of technology-focused car insurance provider, it doesn’t offer black box policies for young drivers. If you are a safe or a reformed driver and wish to prove this to your insurance provider, in order to benefit from a reduced premium, look at providers similar to carrot car insurance that offer a safe driver policy.

Hedgehog Car Rental Policy Documents

For full details of what is included and excluded, please download or read the policy details here.

What does Hedgehog offer in terms of cover?

The two main types of cover for social, domestic and pleasure cover are available through this insurance firm. This includes;

• Third Party Fire and Theft is minimal cover required by law, along with repairs and compensation if your vehicle is damaged by fire or is stolen.
• Full comprehensive includes payouts for accentual damage, windscreen cover, new car replacement, medical expenses, personal belongings and courtesy car for up to 14 days.

Both types of policies include £20M for liability cover, cover for travel in the EU for up to 90 days annually and uninsured driver promise.

Who provides Hedgehog Car Insurance

Hedgehog does not directly provide the insurance polices, they are an insurance broker similar to for example Goshorty in the short term insurance niche. They like Goshorty can offer polices from a panel of insurance providers, matching your requirements to one of these provider based on your risk profile and requirements. These providers currently include 

• Covea
• MARKSTUDY
• ERS
• Sabre
• Eridge

Does Hedgehog offer any discounts?

There is an offer of up to 50% off the premium price for those who purchase a policy 3 weeks or more before they need it activated.

Other ways of saving money are to pay your premium in full annually, make no claims and receive a no claims discount along with insuring multiple vehicles.

Are there any administration fees?

Yes, several fees add to the cost of the insurance policy.

• There is a £10 fee when you need to make a change to the policy including your occupation, name or marital status.
• There is a £10 fee when you renew your policy or take out a new one.
• There is a £50 fee when you cancel your policy prematurely.

Hedgehog car insurance does have a 5-star rating from Defaqto. This rating is for the features of the policy, not interaction with the customer service centre. This online only insurance company will issue a policy for anyone who pays for one. The business model is made for as little interaction between staff and their customers that some people prefer today.

Hedgehog is different from most other providers of personal line insurance in their focus on employing digital technologies to improve the risk assessment, customer service and policy management process instead. The process is similar to artificial intelligence in that hey train their systems to generate quotes based on risk and use the feedback to constantly adjust the artificial decision-making neurons until it can quote better than humans and of course so much faster.   

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