Car Insurance for Car Subscriptions

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In today’s fast-paced world, the way we obtain and use vehicles is evolving rapidly. Car Subscription services have emerged as a flexible and convenient alternative to traditional car ownership and leasing. These subscriptions allow individuals to enjoy the benefits of driving without the long-term commitment of purchasing or leasing a car. While car subscriptions contracts offer numerous advantages, there’s one crucial aspect that subscribers need to consider: CAR INSURANCE

Whilst car subscription services have gained immense popularity for their flexibility and the convenience they provide. They offer subscribers the opportunity to drive a fantastic range of vehicles without the responsibilities that come with traditional ownership.

However, when it comes to insurance, things can get a little tricky. Some car subscription providers such as Care by Volvo, Cocoon Vehicles, Flexigo and Evogo do not include insurance as part of their package, this can have both advantages and disadvantages, but overall gives you more control over the overall package.

In this article, we’ll explore what you can do when insurance isn’t included within your car subscription bundle and some tips on how it can actually save you money.

The Importance of Comprehensive Insurance

If your car subscription service doesn’t provide insurance as part of their package, it’s crucial to secure fully comprehensive insurance coverage for the vehicle you’ll be driving along with all those drivers who will have access to the car.

Fully comprehensive insurance provides protection against a wide range of risks including; accidents, thefts, vandalism and damage caused by natural disasters. It offers peace of mind and financial secutrity in the event of unexpected incidents on the road.

When you subscribe to a car that doesn’t include insurance, you might be tempted to cut corners and opt for third-party insurance to save money, but all providers require you to have fully comprehensive insurance in place. Without comprehensive insurance you could find yourself facing substancial out-of-pocket expenses if an accident or mishap occurs, the coverage will help mitigate that risk.

Also, it is a legal requirement to have insurance in place at all times when it comes to vehicle subscriptions.

Cost-Effective Solutions

Surprisingly, securing your own fully comprehensive insurance for a car subscription contract can often work out cheaper and more cost-effective than relying on the insurance bundled with some of the subscription providers.

By shopping around and comparing different insurance providers, you can find policies that offer excellent coverage at competitive rates. To make the process easier, we’ve partnered with who provides a vaulable tool that compares over 110 different car insurance providers, helping you find the best insurance deals available.

Whether you prefer to pay your insurance on an annual or monthly basis, you can find policies that suit your budget and needs. This flexibility allows you to manage your insurance costs efficiently, aligning them with your vehicle subscription contract’s terms. Additionally, when you obtain insurance separately, you have more control over the coverage options and excess amounts, tailoring the policy to your specific requirements.

How to Secure Insurance for a Car Subscription

Securing car insurance for your car subscription contract is a straightforward process. Here are some steps to guide you:

1. Access Your Needs

Determine the level of cover you need based on your driving habits and the value of the vehicle you’ll be using. Be truthful about your anticipated annual mileage and if you will need commuting to work on the policy.

2. Get Quotations

Use the QuoteZone tool using the link on our website to compare car insurance quotes from over 110 providers. This tool streamlines the process, saving you time and money. You don’t need to have the registration number, just the make/model and derivative of the vehicle.

3. Review Policy Details

Carefully review the policy details including excess and any additional bolt-ons such as windscreen cover or legal assistance. Ensure the policy aligns with your specific needs.

4. Purchase Your Policy

Once you’ve found the right car insurance provider and quote, purchase it through the providers website or by contacting their customer service. Annual and Monthly policies will be available and a top tip is to take a 12 month policy out for a car subscription instead of using a specialist short-term insurance provider, it can save you a lot of money even after paying cancellation charges.

5. Stay Informed

Regularly review your insurance policy to ensure it continues to meet your needs. Make adjustments as necessary, especially if your car subscription changes or your driving habits evolve.


Securing fully comprehensive car insurance for a car subscription contract is essential, especially when insurance is not included in the package. It offers financial protection and peace of mind in case of unforeseen events.

By using tools like our partners comparison tool, you can find the best insurance policies at competitive rates, potencially saving you money while ensuirng you have the required coverage.

Whether you choose to pay annually or monthly, the flexibility of securing your own insurance allows to tailor your coverage to your specific requirements, making it a wise choice for savvy subscibers in the UK.

Patty Atindehou

Patty is the content writer for and loves her cars and the automotive industry in general. She worked for large dealer groups in the United Kingdom and the USA specialising in high-end and premium vehicles. Her goal is to provide the most interesting information on the vehicle subscription industry.

Article Details

Post Published: September 8, 2023
Post Last Updated: November 15, 2023
Article Categories: ,
Read Time: 5 minute(s)