Choosing car insurance is like finding the right pair of jeans—it needs to fit your budget and lifestyle perfectly.
Go Skippy, a UK-based insurance broker, has gained attention in the market, but is it worth your time and money?
Let’s dive into this review and find out everything you need to make an informed decision (with a sprinkle of humour to keep you awake).
Who is Go Skippy?
Go Skippy isn’t your traditional insurance company.
It acts as a broker, meaning they work with multiple insurers to provide a variety of quotes.
Think of them as the middleman in your car insurance journey.
Their branding leans towards affordability and accessibility—ideal for budget-conscious drivers.
Types of Cover Available
Go Skippy offers the usual suspects when it comes to car insurance:
| Cover Type | What It Includes |
|---|---|
| Third-Party Only | Covers damage to other vehicles or property. The bare minimum required by law in the UK. |
| Third-Party, Fire & Theft | Adds protection for your car against fire and theft. |
| Comprehensive | Covers you, your car, and others. This is the all-singing, all-dancing policy. |
Pro Tip: If you’re driving a shiny new car, comprehensive might save you future headaches (and heartaches).
Key Features
Here’s what you’ll get with Go Skippy policies:
- 24/7 Claims Helpline: Handy if you’re a night owl or have a knack for attracting accidents at odd hours.
- Legal Cover: Included in many policies, which helps with legal expenses following an accident.
- Breakdown Cover: Optional add-on, but worth considering if your car occasionally acts like a rebellious teenager.
- No Claims Discount (NCD) Protection: Safeguards your hard-earned discount if you make a claim.
- Windscreen Cover: Available as an optional extra for comprehensive policies.
What’s Missing?
- No courtesy car as standard with some policies. Check the small print.
- EU driving cover may require an additional fee.
Pricing
Go Skippy positions itself as a budget-friendly provider.
However, the final cost depends on factors like your age, driving history, and where you park your car at night (the difference between a locked garage and a questionable alley is real!).
| Factor | Impact on Price |
| Young drivers (<25) | Expect higher premiums. (Sorry, it’s not personal—it’s statistics.) |
| No Claims Discount | The more years you have, the lower your premium. |
| Vehicle Make/Model | Sports car? Your wallet might cry. |
Tip: Always compare quotes on comparison websites. Loyalty to one insurer rarely pays off.
Customer Experience
The reviews for Go Skippy are a mixed bag:
- Pros:
- Competitive pricing for young drivers and first-time insurers.
- Straightforward online purchase process.
- Flexible policy options.
- Cons:
- Customer service can be slow, especially during peak times.
- Charges for mid-term adjustments (like changing your address or car details).
- Policy cancellations often come with hefty fees.
What People Are Saying:
- “Affordable and easy to set up, but don’t expect hand-holding.”
- “They’ll charge you for breathing near your policy.”
Practical Use Cases
| Scenario | Is Go Skippy a Good Fit? |
| New Driver | Yes, competitive premiums but check the fine print for additional charges. |
| Experienced Driver with NCD | Possibly, but shop around to ensure you’re getting the best value. |
| Frequent European Traveller | Consider other providers that include EU cover as standard. |
| Car Mod Enthusiast | Check if modifications are covered before signing up. |
Why did the car insurance policy break up with its holder? Because they kept taking it for granted! (Sorry, we had to.)
The Verdict
Go Skippy is a solid option if you’re prioritising affordability and straightforward coverage. However, be prepared to deal with potential fees for changes and cancellations. Their policies are best suited for those who:
- Are budget-conscious.
- Don’t need extensive extras like EU cover or courtesy cars.
- Are comfortable managing their policy online.
If customer service and flexibility are high on your priority list, you might want to explore other providers.
Final Tip: Always read the policy details. Skipping this step might cost you more than a fancy dinner date in the long run.
