Moja car insurance reviews- From A to Z Everything You Need to Know

When we buy a car, it will always be important to our hearts. A car is always helpful in our garage or parking lot, but it is different from the location where she belongs. Right? I’m referring to the roads and highways where our car belongs.

And these places sometimes have accidents; unfortunately, our car can be involved. Have you thought about how to keep your vehicle safe?

According to figures from Reported Road Casualties Great Britain (RRCGB), over 75,000 people are involved in car accidents, resulting in over 137,000 total casualties.

Yes, car insurance can help us get back on track again. In the UK, car insurance is essential for financial protection against accidents, theft, and liability claims. It provides Coverage for vehicle repairs, medical bills, legal fees, and payments to third parties.

In addition to being a legal requirement, auto insurance provides drivers peace of mind by ensuring they can pay unforeseen expenses and legal obligations.

Today, we have Moja vehicle insurance for you. This is our complete Moja car insurance reviews guide, where we have explored their coverage options, discounts, pros and disadvantages, and much more to help you make an informed decision regarding Moja insurance.

Introduction to Moja Car Insurance

Moja is AXA Retail’s first in-house brand, with the tagline’simpler, fairer, and always there. Moja, AXA Retail’s new insurance brand, has launched for vehicle insurance clients. It offers a digital-only option for those who buy products or use services on their smartphone or tablet.

Customers can tailor their Coverage to their specific needs and budgets with Defaqto 5 Star and 3 Star ratings and various alternatives, including Coverage for personal belongings such as satnavs or audio equipment and children’s car seats.

Customers can monitor their policies and file claims online 24 hours a day, seven days a week, using the Moja insurance app.

Moja Car Insurance provides comprehensive Coverage geared to match the diverse demands of the UK. Moja focuses on client pleasure and offers dependable protection against accidents, theft, and liability.

Whether drivers want simple Coverage or extensive insurance, Moja provides peace of mind. Moja Car Insurance, with a reputation for dependability and efficiency, is a recognized alternative for motorists seeking reliable protection and assistance in navigating the uncertainties of driving.

Moja Insurance’s key features

Moja Insurance stands apart from other suppliers with several essential features:

1. Customizable Coverage: Moja provides customized insurance solutions, allowing clients to personalize their plans to their unique needs and budgets.
2. Transparent Pricing: Moja’s pricing structure is open, ensuring clients understand precisely what they are paying for and removing hidden fees or surprises. There are no administrative fees for online modifications. At renewal, you will not pay more than a new customer.
3. Responsive Customer Service: Moja values client happiness and offers rapid and effective customer assistance via Moja-it from your mobile device and a 24/7 emergency claims line to promptly handle any issues or complaints.
4. Comprehensive Protection: Moja’s insurance plans provide complete Coverage, including protection against accidents, theft, and liability, as well as additional perks like vehicle repairs, medical expenditures, and legal assistance.
5. Plant-powered Insurance: If you enjoy nature and care about trees, you’ll be pleased to learn that Moja plants two trees for each customer.
6. No-claim discount: If you do not file a claim with Moja, you will be eligible for the no-claim discount option, saving you money when you renew your auto insurance.

Moja Insurance distinguishes itself from other insurance companies by focusing on customer care, customizable options, transparent pricing, and complete protection.

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Moja Comprehensive Coverage Option

Moja provides comprehensive car insurance coverage, which provides significant protection to UK drivers. This option covers many scenarios, including accidents, theft, vandalism, and natural disaster damage from storms or floods.

In addition, if you file a claim and your vehicle is no longer operable, you will be provided with a courtesy car. Moja insurance will make things right if an uninsured driver damages your vehicle.

This comprehensive plan gives motorists peace of mind by covering them against various road risks, making it a good choice for anyone seeking extensive insurance coverage.

Aside from that, Moja offers additional add-ons that you can add to your insurance policy to expand your coverage options.

Moja Additional Coverage: Enhancing Your Protection

Moja provides extra coverage alternatives to supplement the protection offered by its insurance programs. These supplementary coverages address specific needs and conditions, allowing consumers to tailor their plans accordingly.

Moja provides some popular supplementary coverage choices, which include:

1. Courtesy car upgrade: When your car is not in working order, Moja car insurance can supply you with a courtesy car. With Moja, you can upgrade your courtesy car, which means you will receive a vehicle similar to yours for up to 21 days or up to £25 a day for alternative travel costs if we can’t provide you with a courtesy car when you claim.
2. Breakdown Cover: If your automobile breaks down at any time, Moja offers four distinct levels of breakdown coverage.
3. Child car seat cover: Moja provides kid seat coverage up to £300 per seat after a valid claim, allowing you to replace them with brand new ones.
4. Overnight accommodation & onward travel cover: Moja offers up to £500 to help cover your costs if you cannot drive your car due to damage or theft.
5. Personal things cover: Moja provides shelter for those little odds and ends. They provide Coverage for your possessions, in-car radio, and satellite navigation devices all in one place.
6. Personal Injury Protection & Rehab cover: Moja provides up to £100,000 in Coverage for injuries sustained in an accident and up to £5,000 for rehabilitation to help you get back on track.
7. Legal Cover: If you need to claim for uninsured damages, such as missed earnings from an accident that wasn’t your fault, Moja has you covered with up to £100,000 in legal fees.
8. Driving abroad cover: Moja provides 90 days of Coverage for you to drive in over 35 countries, giving you Coverage equivalent to what you have in the UK.

Customers can improve their safety and personalize their insurance plans to meet their specific needs and preferences by adding these additional coverage options to their policies, ensuring comprehensive Coverage and peace of mind on the road.

Moja car insurance cost

Moja auto insurance costs depend on several criteria, including the driver’s age, driving history, location, vehicle type, coverage options chosen, and any applicable discounts.

A clean driving record, low mileage, and anti-theft equipment can assist lower premiums. However, a history of accidents or traffic offences might raise expenses.

Individuals should check quotes from multiple insurance companies to get the best value for their coverage needs.

How to get moja car insurance for yourself

To obtain Moja vehicle insurance for yourself, take these steps:

1. First of all, go to the Moja insurance website.
2. Then click the Get a Quote button in the top right corner. It will open a new window where you need to enter your car registration number. Then it will fetch your car information.
3. Then they will ask about your car, like any modifications you made, the estimated price today, when you will buy it, and more.
4. Then they will ask you about driver information like title, name, date of birth, marital status, job status, home address, and more.
5. Then, they will ask you about cover options like premium payment.
6. After that, you will get an estimated insurance quote from Moja.

By following these steps, you can obtain Moja auto insurance and have peace of mind knowing that you are safe on the road.

Moja Insurance Claim Process and Support 

Moja Insurance offers a simple and helpful claims process to assist consumers in the case of an accident or other insured incident. Here’s an outline of the typical claims process and the resources available:

• To file an insurance claim, go to Moja’s website and click the make a claim button.
• If you need help on the roadside, you can call 0330 094 5225 for your claim.
• Then, choose your claim type, such as broken glass, accident, flood damage, wrong fuel, or any other claim.
• After choosing your claim type, click on Make a claim online. It will open in a new tab.
• Then, you need to log in to your account.
• Moja will assist you with the documentation process, which may include giving images of the damage, obtaining a police report if necessary, and filling out any claim forms required by the insurer.
• Moja’s claims staff will examine the degree of the damage or loss and decide on Coverage according to the terms of your policy. They may also work with third parties, such as repair shops or medical providers, to streamline the claims process.
• Once the claim has been examined and authorized, Moja will attempt to resolve it as quickly as possible. This may include arranging for vehicle repairs, reimbursing you for covered expenses, or providing other types of help as specified in your policy.

Moja wants to make the claims process as simple and stress-free as possible for its customers, providing individual support and guidance at every stage. If you ever need to file a claim, do not hesitate to contact Moja’s claims department for assistance and advice.

How to contact the Moja Insurance customer support team

You can contact Moja Insurance’s customer service team via the following methods:

1. Phone: You can reach Moja’s customer support team by calling Moja car insurance at 0330 094 5225.
2. FAQ: Moja has a separate FAQ section where you can find answers to many queries.
3. Contact Form: Moja may have a contact form on their website where you can submit your inquiry or request for assistance. Fill out the form with your details and message; a representative will reply.
4. Social Media: Some insurance companies provide customer support through social media platforms like Twitter or Facebook. You can send a direct message or comment on their posts to reach out for assistance.

When contacting Moja’s customer support team, include as much information as possible about your concern or problem to ensure a timely and helpful answer.

Pros and Cons of moja car insurance

Pros of Moja Car Insurance:

1. Moja offers customizable Coverage
2. Rehab cover
3. Roadside claim assistance
4. Comprehensive Protection
5. Responsive Customer Service
6. Moja insurance app available

Cons of Moja Car Insurance:

1. Pricing Factors: Premiums with Moja, like any other insurance provider, can be determined by driving history and geography, potentially resulting in more extraordinary expenses for some individuals.
2. online-only cover
3. No Rental Car Reimbursement and Roadside Assistance
4. No Accident Forgiveness
5. MultiCar discount isn’t available.
6. It only covers old vehicles.

Moja Car Insurance provides various benefits, including personalized Coverage, transparent pricing, and prompt customer support.

Customers should, however, be aware of any potential limits or circumstances that may impact their experience with the organization.

Moja car insurance reviews on other platforms.

Many third-party websites, such as Trustpilot, provide accurate Moja car insurance ratings and reviews. Moja Insurance has almost 2,000 reviews, 4.4 stars, and an excellent rating on Trustpilot.

Fairer Finance has received four-star reviews for Moja Insurance. Moja has also received a 5-star rating from Defaqto.

Best alternative insurance providers to consider 

Several respectable insurance firms in the UK give competitive auto insurance alternatives comparable to Moja. Here are some options to consider:

1. Admiral: Admiral is well-known for its multi-car insurance discounts and numerous coverage options. It offers customizable policies that are suited to individual needs.
2. Direct Line: Direct Line provides straightforward auto insurance with benefits such as uninsured driver coverage and guaranteed repairs.
3. Aviva: Aviva offers comprehensive Coverage with optional extras like breakdown assistance and courtesy car services.
4. LV: LV provides a variety of automobile insurance choices, including multi-car discounts and benefits such as new car replacement coverage.
5. Saga: Saga specializes in insurance for elderly drivers and provides benefits such as increased breakdown coverage and Coverage for driving in the EU.
6. Churchill: Churchill offers customizable automobile insurance policies with perks like vandalism coverage and a 24-hour emergency service.
7. Hastings Direct: Hastings Direct charges affordable premiums and includes features like uninsured driver protection and optional extras like legal fee coverage.
8. Tesco Bank: Tesco Bank offers economical automobile insurance with benefits such as a guaranteed discount for Tesco Clubcard customers and optional breakdown coverage.

Before selecting an alternative insurance company, compare pricing, policy options, and customer reviews to determine the best fit for your needs and budget. Consider aspects such as customer service reputation, claims procedure efficiency, and any discounts or perks each insurer provides.

Conclusion: Is Moja Right for You?

Moja Car Insurance is based on your priorities. If you appreciate personalized Coverage, straightforward pricing, and responsive customer service, Moja could be a good fit. Its comprehensive Coverage and extra features provide peace of mind on the road.

However, consider availability, pricing competitiveness, and claim processing efficiency. Compare estimates and study policy specifics to ensure Moja meets your requirements and budget.

Finally, if Moja’s benefits outweigh any potential drawbacks, it may be the best insurance provider for protecting your vehicle and ensuring a smooth driving experience in the UK.