To be a Rooster customer, you must: - Be over the age of 18 - 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 higher 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 18 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 18 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.