Hedgehog Car Insurance Review
Hedgehog provides digital-only car insurance with competitive pricing and straightforward coverage. Their streamlined approach focuses on essential coverage without unnecessary complexities.
Company & Policy Details
Company Information
Established
2018
Underwritten by
Berkshire Hathaway International Insurance Limited
Market Position
Customer Service Hours
Mon–Fri: 9am–5pm
Ratings & Performance
Claims Satisfaction
Financial Strength
AA
Mobile App
Policy Features
No Claims Discount Protection
Up to 0 years
Telematics Option
Not available
Multi-Car Discount
Not available
New for Old Replacement
Vehicles up to 0 years old
Uninsured Driver Promise
Not included
Paperless Discount
Available
Key Benefits
- Competitive online pricing
- Quick quote process
- Simple policy management
Available Features
Customer Service
Premium Range
From
£230.00
Average
£316.67
Cover Types
- Comprehensive
- Third Party Fire & Theft
- Third Party Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
33.3%
Frequently Asked Questions
Why digital-only insurance?
Digital-only operation keeps our costs low, allowing us to offer competitive premiums.
What can I do online?
Everything from quotes to claims can be managed through our online platform.
How quick are quotes?
Most quotes take less than 2 minutes with instant policy documents.
What if I need help?
Our online help center covers most queries, with email support for complex issues.
In-Depth Provider Analysis
Expert Analysis: Hedgehog Car Insurance
Hedgehog is a fully online, budget-friendly UK car insurance provider focused on digital efficiency. It offers highly competitive premiums by cutting out call centres and automating quote and policy management. With direct integration into comparison sites and streamlined servicing, Hedgehog appeals to cost-conscious drivers who don’t mind managing everything online.
Professional Editorial Review
Hedgehog strips insurance to its essentials – great prices, clean processes, and zero fluff. Not for everyone, but perfect for the price-led crowd.
Market Position
Online-only provider focused on cost and simplicity.
Pricing Strategy
Budget – One of the cheapest online-based insurers for standard cover.
Who Should Consider Hedgehog? A Detailed Analysis
Budget-focused drivers who prefer self-service insurance through web portals and email.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Very cheap quotes for clean-driving profiles
Simple purchase and renewal journey
Integrates with major aggregators
Fast turnaround on email-based service
Strong presence among digital-first providers
Important Considerations
No phone support – email only
Limited flexibility for custom or non-standard needs
Claims process relies on third-party networks
No mobile app or chat feature yet
What Makes Hedgehog Stand Out
Online-only policy management – no call centres
Low overheads = lower premiums
Email support and digital document handling
Competitive pricing for standard risks
Good for comparison site shoppers
Claims Process Analysis
Claims are managed via an online portal and processed by partner handlers. Timelines are average but clearly communicated.
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
Support is email-only and responds within standard business hours. Service is polite and professional but not personalised.
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 Hedgehog 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 Hedgehog'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 Hedgehog'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: 7/4/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Hedgehog
How does Hedgehog compare to other budget insurers in terms of value for money?
Hedgehog 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 Hedgehog's claims process?
Claims are managed via an online portal and processed by partner handlers. Timelines are average but clearly communicated. 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 Hedgehog suitable for young or inexperienced drivers?
Hedgehog 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 Hedgehog for long-term coverage?
Hedgehog 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 Hedgehog work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofHedgehog's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Hedgehog 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 Hedgehog
How to Get Coverage
- Visit Hedgehog'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 Hedgehog directly for the most accurate and up-to-date quotes for your specific situation.