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Yoga car insurance review

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Yoga is a broker offering comprehensive car insurance, alongside home insurance and business insurance exclusively for yoga instructors. 

It is online-only, which means you’ll take care of any changes to your policy yourself via a customer portal. However, there is a live chat function if you do need to talk to someone about your cover.

Since Yoga is an insurance broker, it acts as an intermediary between you and the supplier you are contracted with. This means it arranges your insurance (i.e. you get a quote with Yoga, not the insurer), and then looks after your policy for the length of the premium. 

Read on for our Yoga car insurance review, including what cover it offers, how to make a claim, and what customers think of its service. 

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What car insurance cover is offered by Yoga?

There’s no messing around with Yoga car insurance. It only offers comprehensive cover, which includes the following:

  • Injuries to other people: if you injure someone in an accident, your Yoga car insurance will help cover the costs
  • Damage to other people’s property: if you damage someone’s property, including their car, in an accident, Yoga will cover costs up to £20 million
  • Fire damage: if your car is damaged in a fire, or by lightning or an explosion, you can claim up to the market value of your vehicle 
  • Theft: if your car is stolen, or damaged in an attempted theft, you can claim up to its market value
  • Accidental damage to your car: if you’re in an accident and your vehicle is damaged, you can claim up to its market value at the time of the accident
  • New car replacement: if your car is less than 12 months old, and you are the first registered keeper, you can get a like-for-like replacement if it is stolen and not recovered, or if it is damaged and the cost of repairs is more than 50 per cent of its current UK list price
  • Windscreen repair: you can claim for your windows and windscreens to be replaced or repaired if needed
  • Manufacturer-fitted in-car equipment: you can claim an unlimited amount if any in-car equipment installed when your car was made are damaged or stolen
  • Aftermarket in-car entertainment equipment: you can claim up to £300 for any in-car equipment fitted after your car was made that are damaged or stolen
  • Child safety seat: if you have a child car seat, and your vehicle is in an insured event, you can claim for a replacement car seat worth up to £300
  • Replacement of locks and keys: if your ignition device is lost or stolen, you can claim up to £1,000 for the cost of replacing your locks and keys. However, you’ll be unable to claim if your keys were left in or on your car while unattended
  • Personal belongings: you can claim up to £200 if your personal belongings are stolen or damaged due to an insured event
  • Personal accident cover: you or your partner can claim up to a maximum of £2,500 per person (and £10,000 for one accident), in the event of death (£2,000), total and permanent loss of sight in one eye (£1,500), and total and permanent loss of one hand or one foot (£1,500)
  • Courtesy car: if your car needs repairs, and you take it to an approved garage, you can get a temporary replacement vehicle. This will usually be a small hatchback under 1,200cc
  • Onward travel: if you can’t continue your journey as a result of an insured event, you can claim £100 per person (to a maximum of £500) for travel expenses or one-night of hotel accommodation
  • Driving abroad: you can drive in anywhere in the European Union (EU), alongside select other European countries, using your cover for up to 90 days
  • Uninsured driver promise: if you make a claim for an accident that was not your fault and the other driver doesn’t have insurance, you won’t have to pay your excess and your no-claims bonus won’t be affected
  • Vandalism promise: if you make a claim because your car has been vandalised, your no-claims discount won’t be affected as long as you report it to the police and send Yoga the crime reference number

Other Yoga car insurance policies

Through Yoga Safely Secured, you can get a comprehensive temporary car insurance policy lasting between one and 84 days.

Learner drivers aged between 17 and 30, meanwhile, can get cover to practise in someone else’s car for one to 140 days. 

Yoga car insurance policies at a glance

Yoga comprehensive car insurance
Age range All
Level of cover Comprehensive
Injuries to other people Yes
Damage to other people’s property Yes
Theft Yes
Fire damage Yes
Repairs to your own car following accident Yes
Motor legal protection No
Your medical expenses Personal accident cover up to £10,000 per accident (no more than £2,500 per person) Optional motor injury protection plus
Driving other cars Yes (if eligible)
Breakdown cover Optional
Courtesy car cover Yes
Hire car cover Optional
Windscreen replacement Yes
Personal belongings Up to £200
Replacement locks and keys Up to £1,000
Protected no-claims bonus Optional
Cancellation fee £0 (within 14-day cooling-off period, although you will still need to pay the £49.99 set up fee) £49.99 (after 14 days)

Yoga car insurance optional extras

On top of Yoga’s comprehensive car insurance, you can add the following optional extras:

  • Breakdown cover: provided by One Insurance, you can choose between Basic breakdown cover, Gold Breakdown, and Gold Breakdown Plus
  • Motor injury protection plus: includes physiotherapy costs for you, your partner and any named drivers after a car accident
  • Hire car cover: you can upgrade your courtesy car cover to guaranteed hire cover (where you’ll receive a temporary replacement vehicle up to 2,000cc for up to 28 days), and guaranteed hire car plus (a vehicle up to 2,000cc for up to 90 days)
  • Protected no-claims discount: if eligible, you can protect your no-claims bonus, meaning that it won’t be effected in the event you make a claim

How to claim with Yoga car insurance

If you need to make a car insurance claim through Yoga, you will need to do so through its claims management company, One Call Claims. You should complete the following steps:

  • Make sure everyone is safe: following a motor incident, you should make sure everyone involved is okay, included yourself, your passengers, and any third parties involved
  • Exchange details: if a third party is involved in the incident, you’ll need to exchange details, including your name, address, car registration, and insurance policy number
  • Take notes: you should make a note of any relevant details, such as the location of the incident, the time of day, and the weather. You may also want to take photos or videos of any damage
  • Contact your provider as soon as possible: you should contact One Call Claims on 0203 738 7386. Depending on the claim, you may then be referred to the insurer that appears on your certificate of motor insurance 
  • One Call Claims will help with the next steps: whether it’s referring your to your named insurer, or arranging for repairs, One Call Claims will help you with what happens

How to cancel Yoga car insurance

If you want to cancel your Yoga car insurance policy, you’ll need to do so by visiting the customer portal

When cancelling, you’ll receive a refund for the time you have left on your policy (as long as you haven’t made a claim), minus the following fees:

Cancellation period Fee
Within 14 days of your policy start date £0 (although you will still need to pay the £49.99 set up fee)
After 14 days, or if Yoga needs to cancel your policy £49.99

How to contact Yoga car insurance

Yoga is a self-service, online-only insurance broker. This means that you won’t be able to talk to someone over the phone. Instead, you’ll make any changes yourself through Yoga’s customer portal. 

However, you can talk to an agent using the broker’s live chat function. This is open from 9am to 2pm Monday to Friday, and 9am to 2pm on Saturdays.

There is also a chat bot, called Yogi, for queries outside of those live chat hours.

Yoga car insurance customer reviews

Yoga has an ‘Excellent’ Trustpilot score of 4.5 out of five, based on more than 5,700 reviews. 

It is important to note, however, that these reviews are for Yoga as a whole, and not just its car insurance services.

Of its five-star reviews that mention car insurance, Yoga is praised for the quality of its live chat customer service, and the manner in which One Call Claims deals with claims. 

However, despite the quality of the live chat service, it can still lead to frustrations. If you appreciate being able to get hold of someone over the phone, Yoga might not be for you.

“I’m totally impressed with Yoga and One Claims who handled my repairs and hire due to my car being damaged by a third party. The whole process was seamless from start to finish. All the colleagues involved, drivers/call handlers/repairs team were faultless. Please pass on my thanks. ZT3 was great in sorting my delivery back.”

“Changed over car policy to new car on the live chat facility, so easy and five stars for Dennis who answered all my queries and did it all seamlessly, thanks!!!!”

“A problem arose as my payment went through twice by mistake. I then received an email telling me that my insurance was being cancelled. I had a panic but rang the company and Dennis assured me that only one policy had been cancelled, my insurance was OK and the excess amount would be returned to me in three to five working days. However, being old and not very computer literate, I do find speaking to some ‘chat’ person not easy and I do wish we could pick up a phone and speak to a live person.”

What Defaqto rating does Yoga car insurance have?

As well as an ‘Excellent’ score on Trustpilot, Yoga also has a five-star rating on Defaqto for its comprehensive car insurance policy.

How does Yoga compare to its competitors?

Provider name Trustpilot score Defaqto score
Yoga 4.5 stars 5 stars
Direct Line 3.7 stars 5 stars (3 stars for Third party, fire and theft and Essentials)
People’s Choice 1.4 stars 5 stars (4 stars for third party, fire and theft)
Hastings Direct 4.1 stars 5 stars (4 stars for Third party, fire and theft, 3 stars for Telematics, 2 stars for Essential)
Admiral Insurance 4.4 stars 5 stars (4 stars for Telematics, 3 stars for Essential)
Aviva 4.0 stars 5 stars (3 stars for Third party, fire and theft)
AXA 4.3 stars 4 stars (5 stars for Plus)
LV= 4.5 stars 5 stars (3 stars for Third party, fire and theft)
esure 3.1 stars 5 stars (4 stars for Third party, fire and theft)
Ageas 4.1 stars 5 stars (3 stars for Essentials, and Telematics)
NFU Mutual 4.4 stars 5 stars

All scores are correct as of 11 December 2023.

Conclusion

With a better Trustpilot rating than many larger brokers and providers, and a five-star rating from Defaqto, there is plenty to recommend with Yoga car insurance. 

However, what may be appealing to some is going to be the exact reason to look elsewhere for others.

For example, the simplicity of only offering comprehensive car insurance, with a few optional extras, means it is easy to know what you’re getting with Yoga. Yet this lack of range or flexibility might not be for everyone.

Similarly, while Trustpilot is full of praise for Yoga’s live chat service, if you feel more comfortable talking to someone on the phone, it isn’t the right insurer for your needs. 

And the fact it is an intermediary means certain elements, such as making a claim, will require you to contact an outside agency.

Yoga car insurance FAQs

Aside from ringing One Call Claims when making a claim, you won’t be able to speak to anyone over the phone at Yoga car insurance. This is because it is an online-only service.

However, you can still speak to a real person using Yoga’s live chat function.

Yoga and One Call Insurance are two separate insurance companies. However, both use the same claims handling agency, One Call Claims.

Connor Campbell

Finance Writer

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet, Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror, the Daily Express and Business Insider

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian, BBC, Reuters and the Evening Standard

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.

Amy Reeves

Editor

Amy is a seasoned writer and editor with a special interest in home design, sustainable technology and green building methods.

She has interviewed hundreds of self-builders, extenders and renovators about their journeys towards individual, well-considered homes, as well as architects and industry experts during her five years working as Assistant Editor at Homebuilding & Renovating, part of Future plc.

Amy’s work covers topics ranging from home, interior and garden design to DIY step-by-steps, planning permission and build costs, and has been published in Period Living, Real Homes, and 25 Beautiful Homes, Homes and Gardens.

Now an Editor at the Independent Advisor, Amy manages homes-related content for the site, including solar panels, combi boilers, and windows.

Her passion for saving tired and inefficient homes also extends to her own life; Amy completed a renovation of a mid-century house in 2022 and is about to embark on an energy-efficient overhaul of a 1800s cottage in Somerset.