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Car subscription insurance explained: Understanding coverage and protection

October 13, 2023

Car subscription insurance explained: understanding coverage and protection

Car subscription insurance offers motorists an alternative to traditional car insurance. It comes as part of a defined subscription package that often includes access to a vehicle, maintenance and service costs, and a range of other benefits. Car subscription insurance lasts for the duration of the subscription period, often making it far more flexible than traditional car insurance, and can be extremely beneficial in managing costs for motorists.

Inflation and associated rises in general costs have sent insurance prices soaring across the board, up by almost 50% in the past year. Certain groups, such as millennials and older drivers, have taken the biggest hits. With this in mind, perhaps it’s time to consider an alternative approach.

Car subscription insurance vs. traditional car insurance

Car subscription insurance has a number of distinct advantages over traditional car insurance:

  1. First, your insurance is included as part of your subscription package which makes it extremely convenient and hassle-free.  
  1. You can also rest assured that we negotiate insurance premiums for our entire fleet, meaning that you’ll likely reap the benefit of the significant pricing power we hold with insurance companies. This can drastically reduce your insurance costs compared to traditional car insurance.  
  1. You also don’t have to go through the ordeal of consulting and comparing numerous providers - we take care of all that work for you!
  1. If you need to change vehicles on a monthly basis, a car subscription allows for that.  
  1. Our costs are always completely transparent, and can often save you a significant amount due to the bundled nature of our offering - you get your insurance, maintenance, servicing, and so much more all as part of one simple package.

Types of car subscription insurance

Car subscription services can offer a variety of different types of insurance, so it’s important to understand what they are and how they differ.

Liability coverage

Liability coverage protects you if you’re financially responsible for causing an accident that causes damage or harm. It will cover costs such as legal fees, medical expenses, or car repair/replacement for the injured party.  

An example would be if you were to crash into the back of another vehicle while driving under a car subscription, causing minor injuries to the driver and damaging their car. Liability coverage would allow you to cover any cost involved in repairing their car while also paying for any medical expenses they require.

Collision coverage

Collision coverage pays for any damage to your car caused by a collision, no matter which party is at fault. It allows you to repair or replace your own vehicle following an accident.

A scenario where collision coverage would come into effect would be if you crashed your car into a tree while trying to park. If any damage occurred, it would cover any repair costs despite the fact that you may have caused the incident.

Comprehensive coverage

Comprehensive coverage includes the benefits of the previous two coverages but also protects you from any damage or loss caused outside of collisions, including theft or vandalism.

An example would be if your car's windows were broken while parked on the street at night. Comprehensive coverage would cover the repair of your windows and any other damage that may have occurred.

It’s worth noting that all of our car subscriptions come with fully comprehensive insurance as standard, giving you total peace of mind while using your car.

Coverage levels and benefits

Car subscription insurance is often separated into various levels, each offering a specific set of benefits and protection.

Basic coverage

This is typically the most affordable package, and will often only provide the necessary liability cover as dictated by the law. It offers people a way to get on the road for quite a low cost, but the limited coverage can prove costly in the event of an accident.

Standard coverage

Often one of the most popular packages, standard coverage typically offers a more comprehensive slate of protection for the subscribed vehicle. It will cost more than a basic package, but it offers significantly more peace of mind and will likely include higher liability limits that can be well worth it should an accident happen.

Premium coverage

Premium is the most expensive level of coverage, and also the level that offers the most protection to your subscription. Comprehensive protection is the standard here, and you’ll likely also receive additional features such as roadside assistance to offset the higher cost. Premium packages offer supreme peace of mind for subscribers and allow for the lowest level of financial exposure in the event of an accident.

Drive Fuze’s fully comprehensive insurance — coupled with our standard benefits package including things like servicing, maintenance, and roadside assistance — is as premium as it comes. We want you to feel safe and secure while using your subscription, so we offer this as our standard package on all car subscriptions.

How car subscription insurance works

One of our main goals is to provide you with a hassle-free and simple service aimed at getting you on the road as quickly as we can. With this in mind, we‘ve done everything possible to make the car subscription insurance process as easy as we can for you. Here’s a look at what to expect when you sign up:

1. Selecting your car

The first thing you’ll do is select your car. Consider the specs you’ll need, and make an informed choice based on your specific needs. Don’t worry though, you can change vehicles as often as you like!

2. Confirming the specifics

Next, you’ll give us your specifics. You’ll be asked to create an account and input your information. You can detail who’ll be using the car and decide on what mileage you’ll need for the month.  

3. Checking your documents

We’ll check your documentation to see if you meet all of our requirements for starting a subscription. These include things such as being 25 years of age or older and holding a UK licence for at least a year. With this complete, you’ll receive the full cost breakdown, including the fully comprehensive car insurance that comes with every one of our car subscriptions.

4. Car delivery

When we arrive, have your driver’s licence on hand so we can confirm your identity. Your first month’s subscription will also be taken on this day, which becomes your payment day for each month until the end of your subscription. Your insurance will also begin on this day.

5. Making a claim

If you are unfortunate enough to be in an accident, here are the steps you’ll need to follow to make a claim.

  • Your main priority should be your safety and that of anyone else in your vehicle. Ensure the emergency services are called if anyone is in need of them. If you can’t move your vehicle to a safe place, call the police to inform them.
  • Call our dedicated 24/7 support team and provide them with all the information you can. They’ll expertly guide you through the process and will send out recovery services if necessary.
  • Our support team will also guide you through your next steps in the claims process, handling the claim on your behalf.

Conclusion: Choose Drive Fuze for comprehensive car subscription insurance

Insurance costs are continuing to rise, with many feeling priced out of owning a car entirely. Car subscription insurance offers you a way to avoid this, while still having all the benefits of traditional auto insurance. It offers predictable and transparent costs, amazing flexibility, and incredible peace of mind.

If you want to explore the benefits of car subscription insurance and all that it has to offer, look no further than Drive Fuze. We offer fully comprehensive insurance as standard with all of our subscriptions and are here for you 24/7 to help with anything you need.

Start your subscription journey today, and let us help you get on the road. Click here to explore our range of cars and choose the perfect one for you. Don’t worry though, you can change cars as often as you like!

Frequently Asked Questions (FAQs)

How much is the insurance excess?

The excess is £750 at time of publication, for each and every loss in respect of accidental damage, fire & theft for drivers aged 25 or over. The excess for replacement windows and windscreen is £100.

What is included in the insurance that comes with the subscription?

We offer fully comprehensive insurance with every subscription. Some key areas that are not covered by this include:

  • Loss or damage caused by general wear and tear or depreciation
  • Breakdown
  • If the car is left unlocked, left with keys/key fob in or on the car, left with the engine running or left with window or roof open
  • If the car is used by someone who is not authorised to drive

How do I get in touch following an accident?

Car subscriptions offer a bespoke way to define exactly what you need from your car insurance. A Drive Fuze subscription ensures that your vehicle is fully covered in the event of an accident or a breakdown. Each vehicle is provided with a card that details the appropriate telephone numbers to call if you are unfortunate enough to be involved in an accident – 0344 573 3112.

Our dedicated support team will guide you through the process and help get you moving again as soon as possible.