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
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Review summary
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What people talk about most
Reviews shaping this summary
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
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
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
- #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 quoteContact info
United Kingdom
- www.mojainsurance.co.uk
4.3
Excellent
5k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
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Reply from Moja Insurance
Hello Graeme,
Thanks for taking the time to leave us a review.
It's great to hear you found everything easy and straightforward.
Have a great day!
Nicola
Moja Customer Service Team
It was easy and very quick to do and…
It was easy and very quick to do and very efficient I am very impressed
15 May 2026
Reply from Moja Insurance
Hello Jeffery,
Thanks for taking the time to leave us a review.
We're happy to hear you found our service easy, quick, and efficient.
Take care.
Nicola
Moja Customer Service Team
Reply from Moja Insurance
Hello Melvin,
Thanks for taking the time to leave us a review.
It's great to hear you found everything easy when changing your insurance details.
Have a great day!
Nicola
Moja Customer Service Team
Reply from Moja Insurance
Hello Ann
We love to see feedback like yours - thanks for taking the time!
I'm really pleased to know that it was an easy process and we were able to offer such an excellent quote!
Hope you have a fab day!
Katie
The Moja Team
Reply from Moja Insurance
Hello Bogdan
Thanks so much for leaving such a brilliant review and it's great to hear that it was an easy process!
Hope you have a great day!
Katie
The Moja Team
Excellent service
I found the whole process from start to finish easy to follow. The price was competitive and you could pick your cover to suit your needs. The response with your documents was prompt and everything else efficient
10 May 2026
Reply from Moja Insurance
Hello Karen,
We're happy to hear that you found the process easy to follow. We love to see feedback like yours - thanks for letting us know.
Kennedy,
The Moja Team 🚘
Very easy to navigate through…
Very easy to navigate through everything ! All sorted , quick response to everything , all paid and set up within a matter of minutes, thank you so much for a delightful experience! Easy and straightforward!
8 May 2026
Reply from Moja Insurance
Hello,
Thanks for taking the time to leave us a review. I'm happy to hear you found the process easy to navigate and set up a policy with us!
Kennedy,
The Moja Team 🚘
Just was so straight forward.
7 May 2026
Reply from Moja Insurance
Hello Nicholas,
Thanks for taking the time to leave us a review. I'm glad to hear you found the process straight forward.
Kennedy,
The Moja Team 🚘
very poor experience would not use…
very poor experience would not use again. PLEASE NOTE THEY DO A HARD CREDIT CHECK ON YOUR CREDIT PROFILE WHICH WILL AFFECT YOUR CREDIT SCORE. This is rare and not needed as most providers just proceed with a soft subject. There get out of jail excuse is in their terms in small writing about 10 pages in or so it advises they may proceed to do one. Long waits when awaiting replies from emails. Issues with being mis advised. The portal used to find documents is not friendly and does not contain everything you need. Please avoid.- A hard credit search is not required to assess eligibility for monthly insurance instalments.
Across the industry, insurers and premium‑finance providers use soft searches, which provide the same affordability and credit‑risk information without damaging the customer’s credit profile. Soft searches still verify identity, assess risk, and support responsible lending — so the claim that a hard search “safeguards and protects customers” is not accurate or evidence‑based.
Your disclosure is also not presented clearly during the quote journey. The reference to a possible hard search appears buried deep within lengthy policy terms, not in a prominent or timely location where a customer can make an informed decision before proceeding. FCA guidance requires firms to communicate key information in a way that is clear, fair, and not misleading. Hiding material information in pages of small print does not meet that standard.
Customers should not have to risk a negative mark on their credit file simply to obtain car insurance — especially when a soft search would achieve the same purpose without harm.
My concerns about long response times, inconsistent advice, and an incomplete document portal also remain. For these reasons, my original review stands.
28 May 2025
Unprompted review
Reply from Moja Insurance
Hello,
Thanks for leaving us your feedback and I'm sorry to hear you're unhappy with our policy purchasing process.
A credit search is completed if a quote is purchased on a monthly Direct Debit installment basis. These checks have been implemented in order to better safeguard and protect our customers from financial harm, and are advised of during the quote process before you proceed.
I'm sorry to hear you've experienced long wait times and issues with being misadvised, also.
I've requested more information from you so that we can look into this properly and raise your concerns.
We hope to hear from you soon,
Rachel
The Moja Team
Mrs JB Everything is explained well and it’s…
Everything is explained well and it’s an easy to you app
11 May 2026
Reply from Moja Insurance
Hi,
We're happy to hear that it is easy to manage your policy online. We appreciate you taking the time to share your review.
Have a great day!
Keyrthigan
Moja Customer Service Team
You can't speak to anyone if you got a…
You can't speak to anyone if you got a problem been trying to change something on my policy and no help just says someone will be in touch in 24 hours
8 May 2026
Reply from Moja Insurance
Hello Ryan
Thanks for your feedback - I'm so sorry to read that it hasn't been a positive experience so far and I'd really like to help change this.
Moja is a low cost, online product. We keep our costs down by not having a Telephony Team for policy queries. I can see that we've already responded to your message but I apologise if it's not the answer you were hoping for.
I can reassure you that I've made the relevant department aware and they will be able to get this investigated for you.
If you still need help, head to our Help Hub at help.mojainsurance.co.uk. There's an option to contact us at the bottom of each page.
Take care, Katie
The Moja Team
Unprofessional
Unprofessional, not picking up the calls, ignoring my requests. Accused me of providing fraudulent document from company I was never even insured with, they have a huge mess in documents and messing different people documents in the system which only indicates that our data isn’t safe there. Refused to cancel my policy via email and now not picking up the provided phone number.
8 May 2026
Unprompted review
Reply from Moja Insurance
Hello.
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.
Lee.
Moja Customer Service Team
Easy to use online
5 May 2026
Reply from Moja Insurance
Hi John.
We're glad you found our online platform easy to use. Thank you for your positive feedback; we appreciate it.
Lee.
Moja Customer Service Team
Easy signing up process
Easy signing up process, good value for money insurance cover that comes with very relevant extras.
I look forward to the next year with peace of mind.
2 May 2026
Reply from Moja Insurance
Hi Richard.
We're happy to hear that you found the sign-up process easy and appreciate the value and extras of our insurance cover. Thank you for your positive feedback; we're glad you feel confident about the coming year.
Lee.
Moja Customer Service Team
EU claim and lack of integration
I recently submitted my first claim with Moja. The initial process was fairly straightforward, even though the accident happened in the EU and had to be handled over the phone rather than online.
The team was helpful and generally well prepared, so the overall experience was positive. However, the “online‑only” positioning doesn’t fully hold up in practice. As soon as an issue arises, you are passed between Moja customer service and AXA, and the two don’t seem fully integrated.
This lack of integration means information isn’t always seamlessly shared, which can make the process less smooth and slower than expected.
6 May 2026
Reply from Moja Insurance
Hi Emanuele.
I'm sorry you're not happy with the service you've had so far.
I've noted your dissatisfaction on your policy.
Lee.
Moja Customer Service Team.
It was relatively easy to change car…
It was relatively easy to change car details .Just changing payment card details I struggled with .but managed it .
5 May 2026
Reply from Moja Insurance
Hello.
We're happy to hear that changing your car details was easy. We appreciate your feedback regarding the payment card update and are glad you managed to complete it.
Lee.
Moja Customer Service Team
Reply from Moja Insurance
Hello Richard,
We're happy to hear that the application process was easy and clear for you. Thank you for sharing your positive experience with us!
Kim
Moja Customer Service Team
Easy to select my preferences for my…
Easy to select my preferences for my Policy. Inexpensive, showing clearly whats covered.
1 May 2026
Reply from Moja Insurance
Hi Robert,
We're happy to hear that you found it easy to manage your policy and that you appreciate the cheap premium as well. Thanks for your feedback!
Have a great day!
Keyrthigan
Moja Customer Service Team
Reply from Moja Insurance
Hi Craig,
We're happy to hear that you found it easy to setup your policy online. Thank you for your positive feedback!
Have a great day!
Keyrthigan
Moja Customer Service Team
Easy to sign up great so fat
Easy to sign up . Let’s hope it’s that easy if / when you need to claim or speak to someone.
4 May 2026
Reply from Moja Insurance
Hi Jayne,
We're happy to hear that it was easy to setup a new account with us. We appreciate your feedback.
Have a great day!
Keyrthigan
Moja Customer Service Team
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