Moja Car Insurance Review
Moja Car Insurance focuses on innovative, app-based insurance solutions with usage-based pricing. Their smart technology approach rewards safe driving and offers flexible coverage.
Company & Policy Details
Company Information
Established
2022
Underwritten by
AXA Insurance UK Plc
Market Position
Customer Service Hours
365 days: 9am–9pm
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
- Usage-based insurance options
- Smart app tracking technology
- Pay-as-you-drive available
Available Features
Customer Service
Premium Range
From
£230.00
Average
£310.00
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 usage-based insurance work?
Our usage-based insurance uses smartphone technology to track your driving and adjust premiums accordingly.
What does the app track?
The app monitors speed, braking, acceleration, cornering, and time of day to build a driving profile.
How are premiums calculated?
Premiums are calculated based on both traditional factors and your actual driving behavior.
What if I drive less?
Lower mileage drivers can save significantly with our pay-as-you-drive options.
In-Depth Provider Analysis
Expert Analysis: Moja Car Insurance
Moja is a digital-first car insurance provider launched by Freedom Services Group. It positions itself as a modern, flexible alternative to traditional car insurers, allowing policyholders to control their cover and make changes instantly via their app. Moja targets younger and tech-savvy users who want to manage insurance the way they manage banking — fast, mobile-first, and transparent.
Professional Editorial Review
Moja offers simplicity, control, and speed. It’s not built for everyone — but for younger drivers who want freedom in their fingertips, it’s right on trend.
Market Position
An emerging insurtech brand built for digital natives.
Pricing Strategy
Budget to Mid – Pricing is fair for standard risks, with good transparency.
Who Should Consider Moja? A Detailed Analysis
App-native users aged 18–40 who expect digital-first insurance they can control instantly.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Highly flexible and user-controlled
Well-built mobile platform
Fast quotes and cover activation
Modern tone and customer support tools
Backed by experienced underwriters at Freedom Services
Important Considerations
Limited history compared to traditional insurers
Not ideal for older or non-tech-savvy users
Fewer coverage options for complex needs
Support only available during business hours
What Makes Moja Stand Out
Real-time app-based policy adjustments
Flexible cover and monthly plans
Transparency through clear in-app tools
Modern, minimal branding and interface
Targeted at urban and younger drivers
Claims Process Analysis
Claims can be initiated in-app or by phone. The process is mobile-friendly and designed to be as frictionless as possible, though large claims may require more direct contact with underwriters.
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
Customer service is praised for responsiveness and tone, especially via in-app chat. Support is UK-based but limited to standard business hours.
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 Moja 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 Moja'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 Moja'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 Moja
How does Moja compare to other budget insurers in terms of value for money?
Moja 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 Moja's claims process?
Claims can be initiated in-app or by phone. The process is mobile-friendly and designed to be as frictionless as possible, though large claims may require more direct contact with underwriters. 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 Moja suitable for young or inexperienced drivers?
Moja 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 Moja for long-term coverage?
Moja 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 Moja work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofMoja's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Moja 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 Moja
How to Get Coverage
- Visit Moja'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 Moja directly for the most accurate and up-to-date quotes for your specific situation.