Sounds crazy but it's not. We don’t base prices on crude demographics like age, instead we give you a price based on how you actually drive. By not insuring bad drivers, we reward good drivers with huge savings.
24 hour &
Just download the Rooster app and drive around for a few weeks, then if you are a
good driver you will
get a personalised quote based on how you actually drive, not who you are...
No long forms, just take a photo of your
driving licence. Get started in less than a
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 good a driver
Customise your fully comprehensive cover and
pay for your policy all in the app. Test
drives are valid for 18 months, quotes for 60
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 good driver
you are subsidising the cost of bad drivers’ accidents.
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
Simple, we don’t insure bad drivers, the 30% who make almost 50% of all claims. So our community of good 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.
You won’t know until you complete the test drive - it depends on your driving skills and habits. Good drivers can save up to 40% off their previous price, so it's definitely worth giving the test drive a go and finding out how much you could save.
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.
We don't insure bad drivers, the 30% who make up 50% of all accidents. This means good 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 good drivers.
No. We simply take a snapshot of your driving behaviour before offering a quote.
You need to be over 20, 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.
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.
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.
The simple answer is that we are new to the market. Having founded Rooster Insurance in January 2019 we have been working flat out to deliver the most innovative car insurance pricing on the market, which we were able to finally launch in July 2020.
We are FCA approved & regulated. Our insurance is underwritten by a forward thinking underwriter Mulsanne Insurance, then the premium is re-insured by global re-insurance giants Munich Re & Trans Re.
If you would like to know more about our story, please feel free to ask us anything via live messaging during office hours :)
We don't pay price comparison sites for customers. Instead, we rely on our community
of good drivers to spread the word & pay them £30 for each good driver referred!