Moja Insurance Reviews 4,332

TrustScore 4.5 out of 5

4.3

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the excellent pricing, often finding policies significantly cheaper than competitors while still offering comprehensive coverage. Many people praise the user-friendly website and online portal, noting its ease of navigation and the straightforward process for setting up or modifying policies. The service is consistently described as fast, efficient, and hassle-free, with many appreciating the ability to manage their insurance needs online without complications. However, some customers also noted issues with customer service, particularly when trying to resolve problems or make changes that couldn't be handled through the online portal. A few people experienced difficulties accessing their accounts due to website glitches, and some were dissatisfied with how certain claims or policy changes were handled, leading to frustration and unexpected costs.

What people talk about most

Price

Reviewers highlight positive aspects of price, with many finding competitive rates and good coverage.... See more

User experience

Consumers generally express satisfaction with the user experience, highlighting its ease and efficiency. Many... See more

Service

Customers consistently note positive experiences with service. Many reviewers praise the hassle-free... See more

Website

Clients share positive opinions on the website, often finding it easy to use and navigate for tasks like... See more

Customer service

Customers had ambiguous experiences with customer service. Many reviewers reported significant... See more

Based on these reviews

Rated 4 out of 5 stars

I had a problem editing my policy, and requested a call . Customer Services called within the 24hrs and was able to immediately carry out the editing required. Very happy with the service.

Company replied

Rated 4 out of 5 stars

Found it on Confused.com. I liked the fact that it was an easy procedure and customising the add-ons on my policy. I also liked how easy it is to navigate the website. However I think it must have a d... See more

Company replied

Rated 5 out of 5 stars

great value car insurance. plus we had international breakdown cover, which unfortunately we used as the car broke down just getting off the ferry in france. no quibbles with getting the car towed to... See more

Company replied

Rated 5 out of 5 stars

Just the best insurance in the UK. No admin fees for policy changes and quotes not increase massively like other insurance providers then you changing the car.(sometimes even decreasing depending on t... See more

Company replied

Rated 5 out of 5 stars

I only came across this product a few days ago, so it’s still early days and I don’t yet have enough long-term experience to give a fully informed rating. That said, I wanted to leave a prelimin... See more

Company replied

Rated 5 out of 5 stars

I removed one driver and then added another. It was all very easily done. I had everything including payment completed in 5 minutes. And it was a bank holiday!

Company replied

Rated 5 out of 5 stars

Faultless experience. Very professional. Called them up about a flat tyre. Waited a while but that's only because we live in a remote area. All dealt with without any problems.

Company replied

Rated 5 out of 5 stars

So easy to swap my insurance from one car to another, and Something I've never ever experienced £2.07 refund. Wow I honestly expected to pay between £25 to £35 for this change in policy. Thanks M... See more

Company replied

Rated 5 out of 5 stars

Easy to navigate web site and motor cover was cheaper than many other quotes obtained for the same type of cover...only had cover a short while so don't know how the company performs when needed but f... See more

Company replied

Rated 5 out of 5 stars

The proffessinalism with which my query was handled and the ease of concluding the acquiring of the policy is what impressed me most. A simple and straightforward process that makes one feel valued.

Company replied

Rated 5 out of 5 stars

Since I have been a customer with Moja I have not had any problems. So easy to access my information on the dashboard, not complicated in the slightest. Fast and easy. Reminders for my renewal come th... See more

Company replied

Rated 5 out of 5 stars

i was searching for a good insurance 3 years ago everyone was coming up really expensive but moja gave me a good price of just under £500. last year they came up again with a good price of £487.99 so... See more

Company replied

Rated 5 out of 5 stars

We chose Moja as it was the cheapest car insurance for our needs as pensioners. We found the experience of starting up new car insurance with this company, remarkably easy. All sorted within a matter... See more

Company replied

Rated 3 out of 5 stars

Moja have covered both of my cars since last year and renewal is up this year. They renewed one car(I accepted as no issues and cheaper price) but then wouldn't renew 2nd car. Nothing changed, no cl... See more

Company replied

Rated 5 out of 5 stars

I have now edited my review because they have dealt with my complaint to a satisfactory level and dealt with it in professional manner at all times It's a sign of a good company if they deal with th... See more

Company replied

Rated 5 out of 5 stars

I was easily able to compare prices and services that Moja offered and happily chose one of your car insurance quotes. It was a good experience and I will recommend you to my friends.

Company replied

Rated 5 out of 5 stars

The step by step instructions are as simple and easy to understand as it's possible to be....I don't need complicated form-filling. Thanks for your concise presentation.

Company replied

Rated 1 out of 5 stars

DO NOT USE THIS COMPANY!!! They have taken 2x payments of my mother’s annual insurance, you cannot call them!!! She has used the online messaging service that states they will respond within 24 hours... See more

Company replied

Rated 5 out of 5 stars

I recently purchased car insurance from Moja Insurance Company, and it was a fantastic experience! The quote process was straightforward and user-friendly, making it easy to compare options. The polic... See more

Company replied

Rated 5 out of 5 stars

Very Easy straight forward Insurance online. For me it was cheapest while covering all basic cover that i required. Happy so far.

Company replied

Rated 5 out of 5 stars

I am a new customer to moja insurance but I have to say so I'm impressed good pricing structure with a policy that suits my needs only time will tell 👍

Company replied

Rated 5 out of 5 stars

I was initially a bit reluctant to sign up to an on-line only company but on having to change vehicle details I found the whole experience really easy. Would definitely recommend.

Company replied

Rated 5 out of 5 stars

Changed to new car was charged extra for new car but not excessive.then a few days later changed to private number plate with no charge all done online and quickly so happy with service.

Company replied

Rated 5 out of 5 stars

Although it is nice to speak to someone, being older and hard of hearing it is not easy to understand someone who has an accent so being able to complete everything on line was better and very easy

Company replied

Rated 5 out of 5 stars

You offered what I wanted, what more can I ask for... I'm covered for the next 12 months with piece of mind with comprehensive insurance at a reasonable price

Company replied

Rated 5 out of 5 stars

everything that I wanted was done exactly as requested without any fuss or bother. I would definitely recommend Moja insurance to anyone ,

Company replied

Rated 5 out of 5 stars

Had to change address due to a house move and it was a pain free experience with no added charges. I've been stung before with admin fees etc for a lot less. Very pleased with Moja five stars!

Company replied

Rated 5 out of 5 stars

Excellent service. It was fast and efficient. I was so pleased that I had to explain my situation only once and they resolved it to my complete satisfaction.

Company replied

Rated 5 out of 5 stars

Go.compare to check comparison with other providers cheapest quote and benefits are equal and more than some others 👍

Company replied

Rated 5 out of 5 stars

Great quote included more than other companies for less cost, and really easy to take car insurance out with.

Company replied

Rated 5 out of 5 stars

Just insured my car with them. Got rather competitive price so I am now hoping for smooth and easy collaboration :)

Company replied

Rated 5 out of 5 stars

Had to change some details on my insurance, the website is an absolute doddle to use, and no surcharge...brilliant 5☆

Company replied

Rated 5 out of 5 stars

Very easy to set up the policy and was by far the best price I had been quoted. Setting up and paying for the policy was very simple and easy. It was set up in a matter of minutes. The online portal i... See more

Company replied

Rated 5 out of 5 stars

So easy to use online very reasonable rates and so easy to change policy requirements total thumbs up.

Company replied

Rated 4 out of 5 stars

Straight forward process but would prefer to hsve a hard copy of my insurance rather than a online copy just me being old fashioned

Company replied

Rated 1 out of 5 stars

Horrendous do not use had a no fault claim absolutely no help what so ever that had my car given away to copart and offered a 3rd of its value with no other option wasn't even allowed to keep the viec... See more

Company replied

Rated 5 out of 5 stars

Very easy and straightforward to alter cover from my current car to my new one, without the hassle of phone calls Very impressed

Company replied

Rated 1 out of 5 stars

Awful company, online only yet I have been unable to access my account 3 to 4 days as I keep getting the ‘We're sorry! There's a glitch in our matrix and we can't display this page’ error message.... See more

Company replied

Rated 5 out of 5 stars

Easy to use website. Straight forward to compare with quote from my previous company. Good value.

Company replied

Rated 5 out of 5 stars

I rang the insurance and explained that someone had driven into my car while I was shopping 🛍️ and they instantly said that it will be fixed , very professional service

Company replied

Rated 5 out of 5 stars

Great choose and very good customer service and very helpful thank you very much and I’m really very happy with Moja .

Company replied

Rated 1 out of 5 stars

I can’t log into my account because the website keeps crashing (There’s a glitch in our matrix and we can’t display this page). There is no phone number to phone so I sent a message and have had no... See more

Company replied

Rated 5 out of 5 stars

Very good company , beautiful service Highly recommend to everyone! Thank you Moja !

Company replied

Rated 5 out of 5 stars

It was so easy to fill in the form to get the quote for my car insurance. The price and all that I needed for my car was very reasonable and within my price range

Company replied

Rated 5 out of 5 stars

The online service is quick and easy to use and when speaking with staff they have been friendly and very helpful

Company replied

Rated 1 out of 5 stars

Had an accident that was not my fault was shunted off the road and unfortunately this insurance company was not very communitive and tried to pass their lack to other companies involved. Left out of p... See more

Company replied

Rated 5 out of 5 stars

Very easy to change car on my insurance. Both cars had certificate until I swapped vehicles. Really easy to do

Company replied

Rated 5 out of 5 stars

Easy to access and navigate, very competetive Quick and easy from start to finish

Company replied

Rated 5 out of 5 stars

Easy to organise insurance, easy to contact when needing to make a claim. Good Web site.

Company replied

Rated 5 out of 5 stars

I am happy with MOJA insurance policy . I found this by confused.com website . This is very cheap insurance and easy to get quotes in few minutes. Thanks to MOJA .

Company replied

Rated 2 out of 5 stars

Tried for 2 days to change my car details but the online portal wouldn’t let me , just kept getting automated messages from Moja which were useless, asked for someone to call me so we could do it over... See more

Company replied

Rated 1 out of 5 stars

Garage appointed by AXA carried out fraudulent repairs. AXA only rectified this and allowed me to choose own repairer after intervention from Financial Ombudsman. Car repair could have proven fatal in... See more

Company replied

Rated 1 out of 5 stars

Awful company, online only yet I have been unable to access my account for over 5 days as I keep getting the ‘We're sorry! There's a glitch in our matrix and we can't display this page’ error message... See more

Company replied

Rated 1 out of 5 stars

Worst experience, never buy this insurance. They withdraw my insurance without informing me by email or by letter. I was caught by the police and I received 6 points + 350£ fine + car impounded and to... See more

Company replied

Rated 1 out of 5 stars

Its all very well saying we keep your costs down because we only take calls for claims. But when you are trying to renew your car insurance and you cannot access the site because their is a "glitch"... See more

Company replied


Company details

  1. Insurance Company

About Moja Insurance

Written by the company

Hey! 👋

Think insurance is a bit blah? Think again!

Moja cover is online, all the time - you can get everything you need online, so we don’t have contact numbers for the everyday stuff.

Don’t worry though – you can still call us if you need to claim. And for anything else, our Moja Team are just a message away if you need help.

We also think insurance should be easy to understand, with no boring insurance jargon and no online admin fees, so that’s exactly what we offer.

If you love it, then Moja it with us – get a quick quote now in a few clicks 👇

Get a quote

Contact info

4.3

Excellent

TrustScore 4.5 out of 5

4K reviews

5-star
4-star
3-star
2-star
1-star

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 2 out of 5 stars

Trying to make changes has been the most painful experience my life

I contact support via the chat to get support with an issue on the website not allowing me to proceed to payment. I already have a quote for changes I wished to make and all I needed to do was pay.
I am asked if it is the same car I was trying to quote for the day before, I had quoted for 2 different cars the day before so I asked if it was (Registration number). This was ignored and i was simply asked if it was the car from yesterday, I say yes because I had quoted for that car the day before. I then get a copy-Pasted message saying they cannot offer me a quote for that car. I again ask which car they are referring to as I am ready to pay for the quote I have, already on the screen. This chat does not go further due to a browser crash on my side.
I decide to contact support via the FAQ page to make the changes manually. Without any consideration of which car I am trying to quote for, I get the same copy-pasted message as a reply with no other details.
I reply to try and confirm the car I wish to change to and am palmed off to the chat on the website again.

I use the chat and get the same copy-pasted message FOR THE THIRD TIME. I then had to push AGAIN to say that I had a quote for my changes to finally get into making the changes that I needed to.
A painful experience all over being sent post to pillar with support staff that don’t even read or comprehend the messages I send them

14 April 2026
Rated 5 out of 5 stars

Great service provided

Great service provided

13 April 2026
Moja Insurance logo

Reply from Moja Insurance

Hi there,

Thanks for taking the time to leave a review, we're glad to hear that you've been happy with the service.

Have a lovely day.

Caroline
The Moja Team

Rated 1 out of 5 stars

Timewasters

Moja came up as the best quote for car insurance from MoneySupermarket.

Got the quote, jumped through all the hoops, added breakdown cover, then realised that the NCB was incorrect. I updated it, assuming this would lower the premium.

Moja then said they could not quote me. It seems they only quote for up to 2 years NCB, so don't know why they give the option to add more years than this.

After that, I can't go back to the quote and just use 2 of my NCB years for the policy.

As if looking for a half-decent insurance quote isn't a big enough waste of time already.

15 April 2026
Unprompted review
Moja Insurance logo

Reply from Moja Insurance

Hi there,

I'm sorry to hear that you've had trouble obtaining a quote from us. We can accept NCD up to 20 years, but you can only declare a number equal to your licence years so I do wonder if that may have prevented you from getting a quote. You're welcome to try and get another quote and if you continue to have issues, please contact us so we can look into this for you.


Regards,
Caroline
Moja Digital Team

Rated 5 out of 5 stars

A simple process for someone who is…

A simple process for someone who is online simple.

8 April 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Norman,

We're happy to hear that you found the online process simple. We appreciate you taking the time to share your positive experience with us!

Chloe
The Moja Team

Rated 1 out of 5 stars

Unjustified price increase

Unjustified price increase of approximately 50% of my previous premium irrespective of the fact that I made no claims, had no accident during the period insured. Like I’m trapped for being good.

11 April 2026
Unprompted review
Moja Insurance logo

Reply from Moja Insurance

Hello Davidson

Thank you for leaving a review and I'm very sorry that you found the price increase to be unjustified.

The decision is based on statistics which help us to calculate an accurate price. For example, there may have been an increase of claims in your postcode or towards your car make and model, which would influence the result. It's also possible that the cost to repair or price of car parts might have inflated which would have an impact too.

I hope this explanation helps.

Take care, Katie
The Moja Team

Rated 2 out of 5 stars

Pray nothing goes wrong

Odd to write a review like this as nothing went wrong. Easy to sort and was well valued. The lack of human interaction was a big problem though. I had a couple of questions and it became clear the handlers (or chatbots) weren't reading my questions just sending stock answers. I became really worried that if something went wrong or I had a problem, i'd be stuck in this loop so ultimately changed insurers. I would be wary. Or at least be aware that you can't speak to a human direct.

10 April 2026
Unprompted review
Moja Insurance logo

Reply from Moja Insurance

Hi,

Thanks for your feedback - I'm so sorry to read that it hasn't been a positive experience so far.

I've requested some more information so we can take a closer look into this for you.

Chloe
The Moja Team

Rated 5 out of 5 stars

Quick and easy to apply online.

Quick and easy to apply online.

20 March 2026
Moja Insurance logo

Reply from Moja Insurance

Hi,

We're happy to hear that the online application process was quick and easy for you. Thank you for your positive feedback!

Chloe
The Moja Team

Rated 5 out of 5 stars

Making the changes necessary to my…

Making the changes necessary to my policy was surprisingly easy, with clear and concise information at hand, making it a pleasure to use the Moja platform

10 April 2026
Moja Insurance logo

Reply from Moja Insurance

Hi,

We love to see feedback like yours - thank you. I'm really pleased to see that it was easy for you to make changes to your policy.

Chloe
The Moja Team

Rated 5 out of 5 stars

Easy

I removed one driver and then added another. It was all very easily done. I had everything including payment completed in 5 minutes. And it was a bank holiday!

5 April 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Maire,

We're happy to hear that you found it easy to manage your drivers and complete the payment process quickly, even on a bank holiday.

Thank you for your positive feedback!

Chloe
The Moja Team

Rated 5 out of 5 stars

I put my details in an insurance search…

I put my details in an insurance search engine and moja was obviously the company that beat all competition in my insurance needs my dealings with moja insurance has been straightforward easy to understand and a great price

6 April 2026
Unprompted review
Moja Insurance logo

Reply from Moja Insurance

We're happy to hear that our search engine provided you with the best insurance solution for your needs. We're glad our service was straightforward, easy to understand, and affordable.

Thank you for your positive feedback!

George
Moja Team

Rated 4 out of 5 stars

Promptness and communication!

Promptness and communication!
Affordable premiums!
Thank you

3 April 2026
Moja Insurance logo

Reply from Moja Insurance

We appreciate you taking the time to share your feedback! We're happy to hear that you were pleased with our communication and affordable rates.

Thank you!

George
Moja Team

Rated 1 out of 5 stars

Tried to cancel auto renewal on line

Tried to cancel auto renewal on line. Button clicked to cancel and nothing happens... Took 3days to contact them.

7 April 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Stephen,

I am so terribly sorry that you had this issue with your online account.

I will contact you directly regarding this and hope we can resolve the issue for you.

George
Moja Team.

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look