Rooster car insurance is a UK-based car insurance provider that offers usage-based policies, pricing drivers based on how they drive rather than traditional demographic information. Rooster positions itself as an alternative to more conventional insurers by offering personalised quotes after a short driving assessment.

In this article, we’ll break down how Rooster car insurance works, who it might suit, and how it compares to more traditional providers.

Who is Rooster car insurance?

Rooster is a relatively new entrant to the UK insurance market. The company operates primarily through its mobile app and uses telematics (data collected from your phone while you drive) to calculate premiums.

Rooster is a trading name of Rooster Financial Services Ltd who are authorised and regulated by the Financial Conduct Authority, registration number 954466.

Their policies are underwritten by Mulsanne Insurance.

How Does Rooster Insurance Work?

1. Complete a driving assessment
   Over a two to three-week period, the app uses your smartphone’s sensors to monitor your driving. This includes data on speed, braking, acceleration, cornering, and phone usage while driving. You give the app permission and it will run in the background.
   
   
2. Receive a quote
   After your assessment period, Rooster insurance analyses the driving data and provides a personalised insurance quote. If the app determines your driving meets their standards, you’ll be offered a policy. If not, you may be declined cover altogether.
   
   

How do I contact Rooster car insurance?

You can contact Rooster insurance using online chat on their website.

If you have a claim, you can call them on 0330 053 742

Key Features of Rooster Insurance

• App-based sign-up and driving test
  All quotes and policies are managed through the Rooster app. There’s no option to get a quote without completing the assessment.
  
  
• Telematics-driven pricing
  Premiums are based on actual driving behaviour, which can benefit safer drivers who might otherwise be penalised by traditional risk factors.
  
  
• Short-term testing period
  Unlike long-term black box telematics, Rooster’s test drive lasts just a few weeks, after which no further tracking is required.
  
  
• Comprehensive insurance
  All insurance policies with Rooster insurance are comprehensive policies.

Things to Consider

• Not everyone gets a quote
  If your driving data doesn’t meet Rooster’s standards, you won’t be offered a policy.
  
  
• Mobile tracking is required
  Drivers must keep the app running during the assessment period, which can impact battery life and may not suit those who prefer more privacy.
  
  

Managing Your Insurance with Caura

If you already have insurance — whether with Rooster or another provider — Caura makes managing your vehicle admin easier. From insurance reminders to road tax, MOTs, and city charges, Caura brings everything together in one app.

You can also use Caura to compare quotes from a range of insurers and switch policies in-app when it’s time to renew. You can download Caura here.

Final Thoughts

Rooster is one of several new insurers using mobile tech and behavioural data to change how car insurance works in the UK. By focusing on how people actually drive, it offers an alternative to more traditional models — though it won’t be the right fit for everyone.

Whether you’re exploring new insurers or just looking for an easier way to stay on top of your car admin, Caura gives you one app for it all.

Download Caura today to manage your car insurance, city charges, and more — all in one place.

‍