Unable to contact or get reply when they sent out incorrect NCB details (sent before end of policy as such useless) as such my new insurer cant accept and they wont reissue or reply to requests..... See more
Company replied
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See what reviewers are saying
Just changed my car on my insurance policy with Peppercorn. Usually this would fill me of dread, on hold with insurance people for ever, sent to 5 different departments and then eventually get it sor... See more
Company replied
I had my concerns about using a fully online insurance company, but those were soon gone. It's very VERY easy to make simple changes to your policy, get quotes for new cars or add drivers - adding a d... See more
Company replied
Really good service from them at a competitive price last year. Sadly they weren't able to offer a renewal for me this year but they emailed me right at the start of April to let me know, so I had ple... See more
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Company details
About Peppercorn
Written by the company
Hi, we're Peppercorn! We’re an Insurtech startup on an exciting new journey. Forget queues. Skip the forms. We’re using cutting-edge conversational AI to change your whole car insurance experience.
With our super smart Peppercorn AI-powered Conversational Assistant, customers are in control. It’s intuitive, user-friendly and on-demand 24/7. It’s time to close the book on boring, long-winded forms and waiting on hold. The future is all about instant tailored conversations, more informed decisions and proactive help.
There’s nothing more convenient than a smart assistant in your pocket, responding in an instant. So, throw out what you know about chatbots and FAQs, our Peppercorn AI-based conversational platform is the next level.
We believe in being proactive and helping our customers. The market is full of reactive solutions that wait for customers to get in touch. We’re looking out for the customer and putting you at the heart of what we do instead.
Consideration of our environment is an important area for us. We’re sustainable, eco-conscious and fair at our core. And we have a clear strategy to make a positive social contribution focused on being a business for good - good for our customers, each other, and good to the planet.
Peppercorn are proud to be B-Corp certified. Come and try our Peppercorn Car Insurance Conversational Assistant.Contact info
1st Floor, Wellington House, W2 Offices, Wellington St, CF11 9BE, Cardiff, United Kingdom
- help@peppercorninsurance.com
- peppercorninsurance.com
Excellent service. Highly recommend.
I can't thank Ricky at Peppercorn Law enough for navigating what was a challenging freehold purchase within a very tight deadline and managing to keep all parties involved happy in the process. Peppercorn Law stood out for me due to their transparency and specialist knowledge. I wouldn't hesitate to recommend them.
10 October 2025
Unprompted review
Kia Sportage listed as write off ld19 byk
Still waiting for solution to car mistakingly being listed as write off.
Shocking customer service.lack of communication is . Don’t know how they are still in business if this is how they treat customers
25 July 2024
Unprompted review
Unable to contact - resolved thanks
Unable to contact or get reply when they sent out incorrect NCB details (sent before end of policy as such useless) as such my new insurer cant accept and they wont reissue or reply to requests.. absolutely shambolic.. im not sure they know the basics.. chased multiple times , complained etc and never even an acknowledgement.. (all queries to the same email account ehich is ignored)
update: emails sent by peppercorn but marked as spam for whatever reason.. (thank you )
ncb received .. appreciated
3 February 2025
Unprompted review
Reply from Peppercorn
Thanks Ken for your feedback. I can assure you that your requests are not being ignored but I can understand your frustration if you aren't receiving our replies. I can see that we have sent your certificate as requested 3 times this month, the most recent being yesterday in response to your latest email. Please check your spam and junk folder if you are not receiving these. In the meantime I have gone ahead and arranged for a copy of your certificate to be posted to your address on record.
Easy to arrange with good coms and…
Easy to arrange with good coms and relevant info
18 December 2024
Unprompted review
Reply from Peppercorn
Thank you for your 5-star review of Peppercorn 🌟
We appreciate your support 😊
Was fast process but dishonest on the service
Fast and great process to get car insurance and better options. They mentioned that an assistant helped me but that was a lie. Don't get a peppercorn insurance, they take your money and then when they ask to supply the NCB and you actually do that 3 times and still they reject it; they then cancel your insurance and take half of the money as an excuse of policy cancellation which was not done by you. The only way to communicate is via email, strangely enough so you have to wait for them to reply and I| do believe it to be a one man band.I will report them to the Ombudsman as I read through the reviews and they seem to make a habit of it.
6 December 2024
Unprompted review
Reply from Peppercorn
Thank you for sharing.
We initially requested your No Claims Bonus Certificate via email, but did not receive a response. A follow-up cancellation notice was sent, clearly outlining that your policy would be cancelled if the required document was not provided.
Although we received two screenshots of your NCB Certificate, they were too blurry to verify. You were informed of this on 31/01/25, we did not reject them. Consequently, we requested a clear PDF version, but this was only submitted after the policy was already cancelled.
All customers agree to our cancellation terms at the time of purchase, which state that if a policy is cancelled due to missing documentation, standard fees will apply. These terms are clearly detailed in the policy documents to ensure full transparency.
Furthermore, we clearly communicate that our customer support is online-only, so customers are aware of how to contact us before proceeding with their policy.
You have the right to escalate your complaint if you choose to do so. We will fully cooperate with the Ombudsman's requests.
Good customer response over online
Good customer response over online
2 December 2024
Unprompted review
Reply from Peppercorn
Thank you for sharing your 5-star review Harshal, we appreciate your support 🌟
Changed my review from before as my…
Changed my review from before as my issue got answered after I posted it
The person helping me on chat was good and helpful, I am just frustrated that my numberplate wouldn't recognise and there no easy easy way for somebody to contact
26 November 2024
Unprompted review
Reply from Peppercorn
Thank you for your honesty, Doron. We appreciate your understanding and cooperation as we work to investigate your complaint and reach a fair resolution.
This was the cheapest on the market and…
This was the cheapest on the market and covered other areas of insurance like driving abroad. I was charged no extra and policy covered me for 30 days outside of the UK.
24 November 2024
Unprompted review
Reply from Peppercorn
Thank you for your 5-star rating and feedback Darren! 🌟
Ok so I have just seen a review on here…
Ok so I have just seen a review on here for this company where the reviewer was saying Peppercorn cannot insure them any more. Peppercorn replied saying that the email would explain why this decision has been made. I also received the same email from them and it's to do with inflation and other challenges. I have been driving for 35 years and have NEVER made an insurance claim. I've obviously paid tens of thousands for it though, of course, goes without saying. So maybe if you drive an older car or maybe if you are an older person; maybe they are making their decisions based on other factors such as these. I'm updating my 11 year old car very soon but even with my current car, I have had many good quotes from other insurers that beat them hands down. So good riddance Peppercorn, it's no loss.
21 November 2024
Unprompted review
Reply from Peppercorn
Thank you for sharing your thoughts.
Firstly, we're sorry to see you go. It's unfortunate that we’re unable to insure you at this time, but we hope to have the opportunity to do so again in the future.
As we explained in our email, this decision is not related to you personally, your driving history, or your claims record, and we can assure you it is certainly not due to your age.
To clarify, unexpected changes in our Underwriting Guidelines mean we are unable to renew certain policies. However, as we've informed you, this does not count as declined insurance, so it will not affect your future premiums.
To put this into perspective, it’s similar to entering your details on a price comparison website where not every insurer provides a quote. Each company has specific risks they can cover, but this doesn’t mean you are inherently riskier to insure than anyone else.
We hope this explanation provides reassurance.
The team is responsive and professional!
The team is responsive, professional and prompt. They offer great support and happy to help at any step of the way! Amazing company.
11 November 2024
Unprompted review
Reply from Peppercorn
Thank you for your 5-star review of Peppercorn 🌟
We appreciate your support! 😊
Not sure why they have declined to re insure me
Had a good experience over the last year, then sent an email stating they would no longer insure me, no reason why just stated the underwriters could not cover me. A 42 year old with 10 years no claims, they also stated that costs will be higher elsewhere this year. However all my quotes this year are around £200 cheaper than I paid last time for Peppercorn. Odd way of doing things, I will just move on.
5 November 2024
Unprompted review
Reply from Peppercorn
Thank you for sharing your thoughts, Scott.
Unfortunately, we’re unable to renew your policy due to recent changes in our Underwriting Guidelines. Please rest assured that this decision doesn’t reflect your personal driving history. It’s similar to when a price comparison website doesn’t return quotes from every insurer.
We're sorry to see you go, but we’re glad to hear that you've managed to save £200 on your insurance premium! Insurance premiums have generally risen over the past few years, so we just made you aware that you may notice higher quotes than before.
The worse insurance company i have ever…
The worse insurance company i have ever insured with! You cqnnot ring them and when you message you get a computer, and when you finally speak to someone they where no help at all! Dint insure with these idiots unless you have the patience of a saint!
1 November 2024
Unprompted review
Reply from Peppercorn
Thank you for sharing your thoughts.
We ensure that our online-only approach is clear to all customers before a policy is purchased, as we understand it may not suit everyone.
Your query related to a period when you weren’t insured with us. During the live chat, we noticed the conversation included inappropriate language, but we still followed up with an email offering to raise a complaint if needed. If you'd like to proceed with this, please reply directly to that email.
Hi My name is Gerald Francis
Hi My name is Gerald Francis. I needed some help from Peppercorn the help I received was 1st class very professional and quick, I am very impressed.
29 October 2024
Unprompted review
Reply from Peppercorn
Thank you for sharing your feedback, Gerald! We're delighted to assist you! 😊
I had my concerns...
I had my concerns about using a fully online insurance company, but those were soon gone. It's very VERY easy to make simple changes to your policy, get quotes for new cars or add drivers - adding a driver actually made my premium GO DOWN... which I was very happy about. Haven't had a claim yet so will be interested to see how it's handled, given some of the bad reviews regarding this area of the business - however, making simply changes or completing tasks which you'd normally have to call, or email or wait to do.. is very easy with Peppercorn. First class :)
14 October 2024
Unprompted review
Reply from Peppercorn
Thank you for your feedback, Jordan—we truly appreciate your honesty!
If you ever need to file a claim, rest assured that our claims team, made up of highly trained professionals, will handle it efficiently and with expertise. Please don't be concerned by previous reviews; our team successfully manages numerous claims each week that don't result in negative feedback. Remember, reviews only reflect one perspective.
We're glad to hear that you’re enjoying our Conversational Assistant and that it's helping you make updates quickly and easily!
Avoid this company
Absolutely dreadful handling of our claim. On the day of the incident the car was removed to a storage facility. There were computer difficulties in verifying our policy and despite constant chasing by me 8 days have elapsed and nothing significant has occurred. We are stranded without a car. Avoid this company.
7 October 2024
Unprompted review
Reply from Peppercorn
We appreciate your feedback Tim.
Claims may take several weeks or even months to process, but rest assured, progress is being made, and our handlers are actively working to achieve a positive outcome for you. For updates, feel free to contact our claims team.
Additionally, we have sent you an email regarding this matter and will be raising a complaint to further investigate your claim.
easy to use online chat
I had a few questions about my insurance policy when it was coming up to renewal and the online chat service answered all my questions and in detail. It was extremely easy to use.
14 October 2024
Unprompted review
Reply from Peppercorn
Thank you for your 5-star review of Peppercorn 🌟
We appreciate your support 😊
Really easy to make changes and quick…
Really easy to make changes and quick response with saving
11 October 2024
Unprompted review
Reply from Peppercorn
Thank you for your 5-star review of Peppercorn 🌟
Wrote to me to say they weren't…
Wrote to me to say they weren't renewing my insurance without explanation
9 October 2024
Unprompted review
Reply from Peppercorn
Thank you for sharing your thoughts.
The email you received provides an explanation of the specific reasons we are unable to renew your policy. If you need any further information you can email us on help@peppercorninsurance.com.
Very easy to use
Very easy to use. Good overall except for being unable to provide me with a renewal
3 October 2024
Unprompted review
Reply from Peppercorn
Thank you for your 5-star review of Peppercorn 🌟
We hope you can join us again in the future! 😊
All easy to use
All easy to use
Initially cheapest we will see what happens on renewal date
So far so good
28 September 2024
Unprompted review
Reply from Peppercorn
Thank you for your positive review 😊
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