Moja Insurance Reviews 

4,529
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Looking at 800 reviews, reviewers overwhelmingly had a great experience with this company. Customers often mention that the pricing is very competitive, and buying insurance online is simple and quick. People also appreciate the helpful customer service and the ability to make policy changes without unexpected admin fees. Some people were dissatisfied with the online-only setup, noting that navigating the website can occasionally be frustrating and time-consuming. A few reviewers also experienced significant delays in getting email responses, making it difficult to resolve urgent policy issues. Others noted that the lack of a phone service made sorting out account problems stressful.

What people talk about most

Price

Reviewers highlight positive aspects of price, noting that policies are very affordable and competitive... See more

User experience

Clients share positive opinions on user_experience, highlighting that the process is simple, straightforward,... See more

Service

People report positive experiences with service, highlighting efficient support and quick fund payouts within... See more

Website

Users describe ambiguous interactions with website, reflecting a high level of disagreement regarding their... See more

Customer service

Consumers find customer service to be ambiguous, reflecting a wide division in opinions. While some reviewers... See more

Reviews shaping this summary

Rated 4 out of 5 stars

The process was easy to follow through, but it would have been more reassuring to go through it with a staff member just to be very sure.

Company replied

Rated 5 out of 5 stars

I changed my car this week simply changing make model and registration with a quote first was so simple on line. Price until end of policy was excellent considering up grade in vehicle. Will stay... See more

Company replied

Rated 5 out of 5 stars

When I was shopping for car insurance, I chose Moja purely based on their price & 5 star reviews. So far, my experience has been positive. I tend to be fairly law abiding, so when I was stopped for sp... See more

Company replied

Rated 5 out of 5 stars

Great service my car was hit off another driver with. 2days was sorted unfortunately my car was wrote off but had funds within the 2 days no issues at all, everything was straight forward

Company replied


Company details

  1. #121 of 140 best companies in 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

5k reviews

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4.3

All reviews

(4,529)

786 reviews in the last 12 months

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Rated 1 out of 5 stars

Awful user experience

Trying to add an additional driver to my cover has been extremely frustrating due to a poorly designed website. After entering the additional driver’s details at least 10 times, the page repeatedly refreshes and sends me back to the top, preventing me from progressing.

On the few occasions it did move forward to the quote stage, I was met with a “Sorry, something went wrong” message. After experiencing this issue three times, I eventually gave up.

Overall, a very disappointing and frustrating user experience.

10 June 2026
Unprompted review
Moja Insurance logo

Reply from Moja Insurance

Hi Euan

We appreciate you sharing your experience with our website. We are truly sorry to hear about the extreme frustration you encountered while trying to add an additional driver.

I've requested more information from you so that we can look in to this properly and raise your concerns.

We hope to hear from you soon,

Lesley
Moja Insurance

Rated 1 out of 5 stars

Fully automated frustration

The payment card associated with my insurance was lost or stolen and therefore cancelled. Weirdly, (because the service is both expensive and poor) I would like to renew my insurance with Moja, and pay in full with my new card. I cannot find how to do it? There is no relevant help. I think it says I can send a message and receive a reply in 8 working days. All I want to do is give them nearly £400. How can I do it? No way of knowing? No one to talk to. Potential customers need to know how difficult it is interacting with fully automated Moja. In short, it is time consuming and frustrating. Can you imagine how difficult it would be to make a claim?

10 June 2026
Unprompted review
Moja Insurance logo

Reply from Moja Insurance

Hi Paul

We appreciate you taking the time to share your feedback regarding your renewal experience.

I'm sorry to see that you're unhappy with the service you've received.

I've requested more information from you so that we can look in to this properly and raise your concerns.

We hope to hear from you soon,

Lesley
Moja Insurance

Rated 1 out of 5 stars

Shocking service

Shocking service. I was given a date to pay my balance which was paid in full on time and they cancelled my insurance anyway. I spoke to someone that was actually helpful on the phone who apologised and accepted that it was Moja's fault and my insurance should not have been cancelled so I will receive a call to sort out getting a new policy and that a complaint has been logged... No call came and I have since been emailed by various different people who blatantly do not read the email threads before responding. Instead, after paying £101 for May and June's insurance, the most recent email I have is that they are going to charge me ANOTHER £6.36 and a £52.50 cancellation fee!! They let me drive to work uninsured unknowingly and then spent a very long time at work on the phone to them and responding to their uniformed emails all day. I have had to now pay again for insurance with another provider. DO NOT use this company, they are up there with the worst customer service I have ever encountered.

9 June 2026
Unprompted review
Moja Insurance logo

Reply from Moja Insurance

Hello Ben

Thank you for taking the time to leave a review and I'm very sorry to hear that this hasn't been a positive experience for you. We've requested some more details so I can take a closer look into this for you.

Thank you, Katie
The Moja Team

Rated 5 out of 5 stars

Made a change to .my insurance policy

Made a change to .my insurance policy. Very easy and straightforward via the website.

6 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Roland

We're happy to hear your policy change was easy and straightforward online. Thank you for sharing your positive experience!

Lesley
The Moja Team

Rated 5 out of 5 stars

Easy to do

Easy to do, cannot say much more. Not sure about the name, does it have a meaning ?

9 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Jim

We're happy to hear you found it easy to use! We appreciate your feedback.

There's no real meaning to the Moja name.

Lesley
The Moja Team

Rated 4 out of 5 stars

satisfied customer

Very pleased, professional & polite.

6 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hello Charles

Thank you for taking the time to leave a review and we're so happy to hear about your positive experience.

We hope you have a great day!

Katie
The Moja Team

Rated 5 out of 5 stars

Straight forward no bells or whistles…

Straight forward no bells or whistles easy procedure reliable price was very competitive and instant email to confirm felt secure with this company star rated.

9 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Dei

We're so glad to hear you found our procedure easy and our pricing competitive.

We truly appreciate your positive feedback and trust in our company!

Lesley
The Moja Team

Rated 5 out of 5 stars

Simple

Simple, easy quote to understand, at an affordable price.

9 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hello Philip,

Thanks for taking the time to leave us a review.

It's great to hear you found everything easy and straightforward online.

Have a great day!

Nicola
The Moja Team

Rated 5 out of 5 stars

Moja's online system is well designed…

Moja's online system is well designed and simple to use, others could take a lesson from them

2 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hello,

Thanks for taking the time to leave us a review.

It's great to hear that you found that our online system is well-designed and simple for you to use.

Have a great day!

Nicola
The Moja Team

Rated 1 out of 5 stars

As suspected Moja left a comment on…

As suspected Moja left a comment on Trustpilot stating that they would contact me to find out more information to resolve matters (…I doubt very much they will do….) Also, a poor review two reviews down from mine was quickly superceeded by a praiseworthy review. A sad indictment of the integrity of organisations which respond to customer complaints stating they will get back to the customer to resolve an issue (….and then don’t!)

8 June 2026
Unprompted review
Moja Insurance logo

Reply from Moja Insurance

Hi Sara,

I'm really sorry about the experience you've had with Moja so far, and that you haven't been contacted regarding your initial complaint.

I have chased this up for you and your query is being dealt with - someone will be contacting you directly to discuss your concerns via email.

Thanks
Zach
Moja Team

Rated 5 out of 5 stars

Very good insurance company easy to…

Very good insurance company easy to deal with and a great price. Refreshing and modern feel

8 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hello,

We love to see feedback like yours - thanks for letting us know.

It's great to hear you found our insurance company easy to deal with and our prices great.

Have a great day!

Nicola
The Moja Team

Rated 1 out of 5 stars

Poor service after a third party hit my vehicle

A third party hit my vehicle, excepted blame. Moja recommended a local garage, my car was deemed not road worthy from the accident.
Collected and dropped back to me on a recovery vehicle. 50% of the work had not been carried out. The garage, Gemini, Bodmin damaged all of my wheels and I have been without a car. Not provided with a courtesy car for almost 3 weeks aside from the odd day Enterprise had a vehicle.

I pay an upgraded premium to receive a courtesy car so to be left in a position where I have to wait up to 80 days for a verdict on if my vehicle may be fixed and damage rectified is an absolute disgrace.

I have been hung up on after hours in the call waiting line. Disgruntled is being polite.

29 April 2026
Moja Insurance logo

Reply from Moja Insurance

Hello Rebecca,

I'm sorry to hear about the distressing experience you've had with your vehicle repairs and the issues with the courtesy car. We understand your frustration regarding the uncompleted work, the damage to your wheels, and the difficulty reaching us.

I've referred this over to our Claims Team and asked them to contact you directly to discuss your concerns, you should receive a call from our Claims Team within the next 24 hours.

Thanks,
Zach
Moja Team

Rated 3 out of 5 stars

You are not bad but

You are not bad but, the only thing you have to add is, the contact number and send the document on time. The policy document need be send after agreeing everything because police can stop you and you have nothing to show them.

3 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Ernesto,

Thank you for taking the time to leave feedback.

We don't have a contact number as we're an online based insurer at Moja and all documentation is stored in your online account which you have 24/7 access to.

Take care.

Richard

Rated 5 out of 5 stars

EASY TO ACCESS

EASY TO ACCESS
STRAIGHT FORWARD TO UNDERSTAND

2 June 2026
Moja Insurance logo

Reply from Moja Insurance

Hello Olatunji,

Thanks for taking the time to leave us a review.

It's great to hear you found everything easy to access and understand.

Have a great day!

Nicola
The Moja Team 🚘

Rated 5 out of 5 stars

Moja don't charge admin fees

Moja don't charge admin fees for online changes. This is why I chose Moja for my car insurance as I was in the process of moving house. After we moved I was able to update my address for no extra charge and have also changed the number plates, again no fee. Would 100% recommend.

21 January 2026
Moja Insurance logo

Reply from Moja Insurance

Hello Alice,

Thanks for taking the time to leave us a review.

It's great to hear that our no-fee policy for online changes has been a great benefit for you.

Have a great day!

Nicola
The Moja Team 🚘

Rated 5 out of 5 stars

Fast service

Fast service

28 May 2026
Moja Insurance logo

Reply from Moja Insurance

Hello,

Thanks for taking the time to leave us a review.

It's great to hear you received a fast service.

Hope you have a great day!

Nicola
The Moja Team 🚘

Rated 5 out of 5 stars

Plain English instructions

Plain English instructions. Easy to complete & submit application form. Hope to never have to make a claim, but guess it would be straightforward if I did. Response & communication was speedy.

28 May 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Sally.

We love to see feedback like yours - thanks for letting us know.

Lee
The Moja Team 🚘

Rated 5 out of 5 stars

Of all the insurance companies I have…

Of all the insurance companies I have used, yours is the best in terms of price and ease of arranging the policy.

31 May 2026
Moja Insurance logo

Reply from Moja Insurance

Hi Ivan.

Thanks for taking the time to leave us a review. That's really great to hear.

Lee
The Moja Team 🚘

Rated 4 out of 5 stars

Purchasing at a reasonable cost

The purchase price and process was reasonable. There was some difficulty in evidencing my NCD. I was under the impression insurance companies could validate this centrally now

29 May 2026
Moja Insurance logo

Reply from Moja Insurance

Hello.

I'm glad to hear that you were happy with the price of the policy and the ease of purchase. Unfortunately, there isn't a central database to check the NCD for policyholders.

Lee
The Moja Team 🚘

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