Pros and Cons of Inclusive Insurance on Subscriptions

Share Article:
Man in yellow hoodie sat deep in thought in front of his yellow Range Rover

When it comes to choosing a Car Subscription in the UK, one of the key decisions subscribers must make is whether or not to opt for bundled or inclusive insurance with an alternative being to arrange insurance for your car subscription yourself.

Like with any financial decision, it comes with its own set of advantages and disadvantages. In this article we will explore the pros and cons of inclusive insurance.

Bearded man deep in though, thinking about his insurance, sat in front of his Yellow Range Rover

Pros of Inclusive Insurance

Here are the advantages of inclusive insurance:


One of the most significant advantages of taking a car subscription with insurance is the convenience it offers. Subscribers can avoid the time-consuming process of shopping and comparing insurance policies from various providers and brokers. Instead, they can simply select a subscription provider who offers insurance with their vehicles, streamlining the entire process.


With inclusive insurance, subscribers will usually have a single point of contact for both their car and insurance needs. This can simplify administration tasks, such as policy management, billing and claims. It makes it easier to keep track of everything related to their car subscription.

Predictable Costs

Inclusive insurance typically includes a fixed insurance premium as part of the subscription package. This can help subscribers budget more effectively, as they know exactly how much they will pay each month for both the vehicle and insurance.

Cons of Inclusive Insurance

Here are the disadvantages of inclusve insurance:

Limited Control over Insurance Coverage

One of the primary drawbacks of inclusive insurance is the limited control subscribers have over their coverage. The insurance policy is often pre-determined by the subscription provider and subscribers may not be able to customise it to their specific needs.

Higher Excess Amounts

Inclusive insurance policies may come with higher excess amounts, which are out-of-pocket expenses that subscribers must pay in the event of a claim. These excess amounts can be higher than what subscribers might choose if they were purchasing insurance independently.

Higher Monthly Payments

While insurance inclusive subscriptions may be convenienet, it may not be the most cost-effective option. Some subscribers could secure cheaper insurance premiums by shopping around and comparing car subscription insurance quotes.

No-Claims Bonus Accumulation

Another potencial downside is that inclusive insurance may not give you the ability to build up a no-claims bonus. In the UK, a no-claims bonus is a discount on insurance premiums earned each year of driving without making a claim. Subscribers who choose inclusive insurance may miss the opportunity to reduce their future premiums or loose their accumilated no-claims discount altogether.

What about fleet or business users?

If you run vehicles for your business, opting for car subscriptions is an ideal way to manage a fleet without the committment of a car lease or the hassles of purchasing a vehicle.

When it comes to insurance, you may already have a fleet policy in place so a car subscription with inclusvie insurance may not be the best approach.

In this case it might be worth looking at a car subscription provider that specialises in business car subscriptions or those that do not bundle insurance with their subscription service.


In the UK, car subscriptions with insurance included can be a convenient option for car subscription subscribers who value simplicity and predictability. It offers an all-in-one solution for both the vehicle and insurance needs. However, it’s important for subscribers to carefully consider the trade-offs, such as limited control of the insurance policy, higher excess amounts and the in-ability to build up a no-claims bonus.

Before committing to any car subscription with insurance, subscribers should assess their specific insurance needs and compare costs against the providers that do not bundle insurance with their service.

Of course, all of the above relies on a subscribers priorities and circumstances and every person has different needs and requirements.

Compare Insurance Costs for Car Subscriptions

We’ve partnered with QuoteZone to allow you to compare car insurance for your subscription vehicle with over 110 different providers, enabling you to save time and hopefully money when it comes to choosing the right policy for your needs and requirements.

See the link below for more information.

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: October 4, 2023
Post Last Updated: November 15, 2023
Article Categories: ,
Read Time: 4 minute(s)