Boom Car Insurance Review
Boom delivers modern, app-based car insurance with innovative features and transparent pricing. Their digital-first approach combines technology with comprehensive coverage.
Company & Policy Details
Company Information
Established
2019
Underwritten by
Complete Cover Group Limited
Market Position
Customer Service Hours
Mon–Fri: 9am–5pm
Ratings & Performance
Claims Satisfaction
Financial Strength
A
Mobile App
Policy Features
No Claims Discount Protection
Up to 3 years
Telematics Option
Not available
Multi-Car Discount
Not available
New for Old Replacement
Vehicles up to 1 year old
Uninsured Driver Promise
Not included
Paperless Discount
Available
Key Benefits
- Smart pricing technology
- Instant policy changes via app
- No hidden fees promise
Available Features
Customer Service
Premium Range
From
£240.00
Average
£326.67
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
How does the app work?
Our app provides full policy management, instant documents, and real-time support.
What makes pricing smart?
We use advanced data analytics to offer fair pricing based on actual risk factors.
Can I change my policy instantly?
Yes, most policy changes can be made instantly through the app with no admin fees.
What if I need to speak to someone?
While were digital-first, our support team is available via chat and phone when needed.
In-Depth Provider Analysis
Expert Analysis: Boom Car Insurance
Boom is a modern digital insurance brand offering temporary car insurance via mobile app. Designed for users who need short-term cover — from hourly to monthly — Boom targets drivers borrowing cars or needing gap coverage. With fast verification, instant quotes, and flexible durations, Boom is ideal for gig workers, test drivers, and visitors needing quick access to the road.
Professional Editorial Review
Boom suits drivers who treat cars like rideshares – temporarily, flexibly, and without fuss. Perfect for quick coverage on the go.
Market Position
App-first micro-insurance brand targeting flexibility.
Pricing Strategy
Budget – Designed for short bursts of coverage, not full policies.
Who Should Consider Boom? A Detailed Analysis
Short-term drivers, car borrowers, and gig economy users needing fast, flexible temporary insurance.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Fast setup and user-friendly mobile interface
Covers most UK vehicles with basic eligibility
Instant documentation and ID check
No impact on owner’s no-claims bonus
Transparent pricing and cover duration
Important Considerations
Limited to short-term use – not suitable for full policies
Relatively high hourly rates for long usage
No phone support – app and chat only
Restricted to standard-use vehicles
What Makes Boom Stand Out
Pay-by-hour or daily coverage
Instant mobile quotes and activation
Great for borrowing or test-driving a car
No long-term contracts or commitments
Targeted toward younger and flexible drivers
Claims Process Analysis
Claims are initiated through the app with verification steps handled quickly. Partner underwriters manage claim progress, and users can upload supporting evidence instantly.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Boom operates app-only support with in-app chat as the primary communication channel. Feedback is generally positive, especially for speed.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Boom fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Boom's approach aligns with your needs.
Average Claim Settlement Time
15 days
Source: Financial Conduct Authority
Young Driver Premium Increase
+127%
Source: Confused.com Price Index
Percentage of Drivers Switching Insurers in 2024
39%
Source: GoCompare Switching Trends Survey
UK Car Insurance Market Size
31 million policies
Source: Statista UK Insurance Report
Average UK Car Insurance Premium 2024
£694
Source: Association of British Insurers
Average Cost of Car Insurance Fraud Per Case
£1,150
Source: Insurance Fraud Bureau, 2024
Customer Satisfaction Average
72%
Source: Consumer Intelligence
Black Box Policy Uptake Among Drivers Under 25
51%
Source: Compare the Market, 2024 Telematics Report
These market statistics help put Boom's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a qualified insurance professional with over 8 years of experience in the UK insurance market. She specializes in motor insurance analysis and consumer advocacy.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 10/15/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Boom
How does Boom compare to other budget insurers in terms of value for money?
Boom positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Boom's claims process?
Claims are initiated through the app with verification steps handled quickly. Partner underwriters manage claim progress, and users can upload supporting evidence instantly. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Boom suitable for young or inexperienced drivers?
Boom can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Boom for long-term coverage?
Boom has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Boom work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofBoom's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Boom for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Boom
How to Get Coverage
- Visit Boom's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Boom directly for the most accurate and up-to-date quotes for your specific situation.