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Car insurance, reinvented for safe drivers.

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Download the app, take the test drive, see how much you can save.
appstore playstore

App Store

4.6

Based on 3969 reviews

Play Store

4.0

Based on 1393 reviews

shield

FCA approved
& regulated

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We never share/sell
your data.

With Rooster you could save up to 40% - Sounds crazy but it's not. We don’t just base prices on crude demographics like age, marital status etc. Instead, we give you a price primarily based on how you actually drive. By not insuring bad drivers, we are able to reward safe drivers with huge savings. (Currently available for drivers aged 19 to 70)

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Car insurance for safe drivers
How it works.

Just download the Rooster app and drive around for a few weeks, then if you are a safe driver you will
get a personalised quote based on how you actually drive, not who you are...

how-it-work

1

Download our app

No long forms, just take a photo of your
driving licence or enter the details in
yourself. Get started in less
than a minute.

how-it-work

2

Take the test drive

We use the sensors in your phone to build a profile of
your driving behaviour for about 3 weeks (depending
on how much you drive). Then we use AI to determine
how safe a driver you are. Data collected is
strictly used to build your driving profile.
It is NEVER shared or sold.

how-it-work

3

Get a quote & save £'S

Customise your fully comprehensive cover and
pay for your policy all in the app. Test
drives are valid for 18 months, quotes for 30
days.

unfair-broken

We believe the traditional way of
pricing car insurance is
fundamentally unfair & broken.

People who drive well are less likely to have an accident, & therefore should pay less for their
car insurance regardless of their age, marital status and occupation etc.

The price you are currently paying is based primarily on demographics, & relies on a broken
system where both good & bad drivers are pooled together. Essentially if you are a safe driver
you are subsidising the cost of bad drivers’ accidents.

Rooster is different because we
test how well you drive, before
offering safe drivers a fairer quote.

Your driving behaviour is the primary factor in determining the price you pay. By simply not
insuring bad drivers (the 30% of drivers who make up almost 50% of all claims), we pay out
fewer claims than traditional insurers & pass those savings on to our community of
safe drivers.

By not insuring bad drivers, safe drivers save
up to 40%.

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With Rooster you get the highest level of cover

Car Damage
Uninsured Driver Promise
30 Days EU Cover
Injury
Windscreen Repair (No Excess!)
No Claims Discount Protection
Courtesy Car
Audio/Entertainment/Navigation fitted equipment (upto £500)
Car Damage

We’ll cover the cost of fixing/replacing your car should an unfortunate accident happen or your vehicle is vandalised.

Uninsured Driver Promise

If you have an accident with an uninsured driver, we will refund the your excess and protect your No Claims Discount.

30 Days EU Cover

Ever fancied a roadtrip in France or Italy? Contact us before your trip and get 30 days 3rd party cover anywhere in the EU.

Injury

If you're at fault in an accident that causes injury or death to others, all compensation payouts will be taken care of. If you're harmed, we can contribute up to £5,000 in personals accident benefit, depending on your injuries.

Windscreen Repair

If you’re windscreen gets damaged, we’ll repair it for you with no excess. A small excess will be applied to a full windscreen replacement.

NCD Protection

We can protect your No Claims Discount for one year with no limit on number of claims under bonus protection (optional extra).

Courtesy Car

Should your vehicle need a trip to the doctor, we will provide a courtesy car free-of-charge if the vehicle is repaired by one of our approved repairers (subject to availability).

Entertainment Equipment

We’ve got your tech covered too! We provide unlimited cover on any manufacturer Audio/Entertainment/Navigation fitted equipment and up to £500 on non-Manufacturer fitted equipment

Everything car, all in one app

We’re on a mission to lower the overall cost and hassle of car ownership. With Rooster's FREE car care platfrom you can Insure, maintain, manage and save on all your motoring expenses.

Everything car, all in one app

We’re on a mission to lower the overall cost and hassle of car ownership. With Rooster's FREE car care platfrom you can Insure, maintain, manage and save on all your motoring expenses.

Never miss a date

Know when your tax, Mot & insurance is due. Never miss a deadline

Everything car, all in one app

We’re on a mission to lower the overall cost and hassle of car ownership. With Rooster's FREE car care platfrom you can Insure, maintain, manage and save on all your motoring expenses.

Save up to 40% on MOT’s, servicing & repairs

Compare prices, availability & book from over 8,000 approved garages, booked & paid for via the rooster app

Everything car, all in one app

We’re on a mission to lower the overall cost and hassle of car ownership. With Rooster's FREE car care platfrom you can Insure, maintain, manage and save on all your motoring expenses.

Save up to £200 on Fuel

Compare the cheapest petrol & diesel near you

Everything car, all in one app

We’re on a mission to lower the overall cost and hassle of car ownership. With Rooster's FREE car care platfrom you can Insure, maintain, manage and save on all your motoring expenses.

Free car reports

See full MOT history, valuation, mileage check, previous keepers, number plate changes, engine data and more

What our customers say

App Store

4.6

Based on 3969 reviews

Play Store

4.0

Based on 1393 reviews

actual-cash-phone

What’s even better than a low
price?
Actual cash.

We don't pay price comparison sites for customers. Instead, we rely on our community
of safe drivers to spread the word. You and your friend will both earn £25 cash if they purchase a policy.

Frequently asked questions

To be a Rooster customer, you must: - Be over the age of 19 - Held a full driving licence for over a year - Have a GB driving licence (currently not NI) - Own a car which is less than 20 years old, not imported and not Cat D - Own a car worth less than £70,000 For drivers under 25 we do not cover high performance cars.

We don't insure bad drivers, the 30% who make up 50% of all accidents. This means safe drivers no longer have to be pooled with bad & essentially subsidise the costs of their claims. By not insuring bad/high risk drivers we can pass huge savings to our community of safe drivers.

Yes, currently you need to be over 19 years old & have 12 months driving experience post passing your test.

No, we do not offer insurance cover during the test drive period.
We only offer policies once the test drive is complete and you have proven you are a safe driver.
However we will be offering this soon so watch this space!

No the Rooster app does not need to be open. You give it permission to run in the background on your phone when you sign up for the test drive.

Once you download the app, we use machine learning algorithms to identify patterns in the location and motion data we receive from your phone. This enables us to build an individual DNA for each driver.These patterns are different based on whether you are driving a car or are a passenger. The patterns also change for other modes of transportation, so we can tell if you’re driving a car, riding a bike, or on the train.By only using data from when you’re driving, we are able to build your quote based on your driving habits.

Once you download the app, we use machine learning algorithms to identify patterns in the location and motion data we receive from your phone. This enables us to build an individual DNA for each driver.These patterns are different based on whether you are driving a car or are a passenger. The patterns also change for other modes of transportation, so we can tell if you’re driving a car, riding a bike, or on the train.By only using data from when you’re driving, we are able to build your quote based on your driving habits.

No, we finish monitoring your driving behaviour as soon as your test drive period is complete, which is usually after 3 weeks. By this stage we have collected enough data for our algorithms to accurately assess how safe a driver you are.

Basically, follow the rules of the road, be mindful of other drivers. Braking, speeding, times of day, miles driven and roads used all play a part of the algorithms which calculate your quote.

Simple, we don’t insure bad drivers, the 30% who make almost 50% of all claims. So our community of safe drivers don’t have to pay out these costs.
We also don’t have the high overheads of traditional insurance companies - no swanky head offices, no legacy computer systems to support & no armies of people doing manual processes. Instead we have built a new insurance company powered by modern technology to automate our processes & pass the savings back to our community.
You won’t find us spending millions on trying to grab your attention with expensive marketing campaigns or on price comparison sites - every time you buy from a comparison site it indirectly costs you £50 to £70. Instead we rely on our community to spread the word & reward them with cash when they make referrals.

Absolutely we offer fully comprehensive insurance on par with the big insurers, & the option to customise your cover to suit your individual circumstances.
We work with an innovative underwriter with huge amounts of experience. The premium is then re-insured by a global re-insurance giants Munich Re & Trans Re.

The single largest factor in calculating your quote is your driving. During the test drive we measure and analyse how, when & where you drive to build a personalised driving risk model.

We consider other factors as well – we use several traditional factors which are mathematically predictive of risk or fraud, as well as your driving history.

We are committed to eliminating as many demographic factors as we can as our technology and artificial intelligence gets smarter.

No. We simply take a snapshot of your driving behaviour before offering a quote.

You need to be 19 and over, have been driving for at least 12 months & have your driving licence to hand.

The sign up process takes less than a minute & rather than having to answer pages of questions we simply take a scan of your driving licence and collect your relevant driving history from the DVLA & other databases.