nutshell Insure Reviews 1,822

TrustScore 3.5 out of 5

3.5

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Review summary

Created with AI, based on recent reviews

Considering 1,156 reviews, most reviewers were somewhat happy with their experience overall. Customers generally found the website and user interface to be very easy to use and navigate, making the process of obtaining car insurance straightforward and quick. Many also appreciated the competitive pricing and value for money offered, often finding policies that were significantly cheaper than their previous providers. However, some people were dissatisfied with the customer service, reporting difficulties with online-only support and issues with policy changes or cancellations. There were also mentions of unexpected fees and problems with accessing account information or making changes through the website.

What people talk about most

Price

Customers consistently note ambiguous experiences with price. Many reviewers found the pricing competitive... See more

Website

Reviewers mention ambiguous feedback about the website. While some customers found the online portal easy to... See more

User experience

Customers had positive experiences with user experience, finding the online portal and application process... See more

Customer service

Users describe negative interactions with customer service. Many customers report that the service is... See more

Service

Clients share ambiguous opinions on service. Many customers express extreme dissatisfaction, citing shocking,... See more

Reviews shaping this summary

Rated 4 out of 5 stars

It was a competitive result using Confused.Com. It was self-explanatory of what your needs are and how to complete. The frustrating and repetitive process of paying was infuriating over 2 days. I c... See more

Company replied

Rated 4 out of 5 stars

I’m only giving 4 stars because going through the on line forms when you get to payments it kept on taking me to virtual advisor this happened 5 or 6 times. Eventually I cancelled everything and start... See more

Company replied

Rated 3 out of 5 stars

Unable to contact this company despite being in chats with wait times of 10min and 5 mins, over 1 hour and no response whatsoever. I need to cancel my policy as I have sold my car, Would not use again... See more

Company replied

Rated 4 out of 5 stars

Easy to set up cover at a very reasonable cost. The noted Defacto 5 stars added confidence to the decision to go with nutshell. Trust Pilot rating however doesn't match that at 3.6 Somewhat concerne... See more

Company replied


Company details

  1. Insurance Agency
  2. Auto Insurance Agency

Written by the company

At nutshell, we’ve got car insurance cracked. Quite frankly, it’s been too complicated for too long. So, in a nutshell we are changing insurance for the better. We all know that sometimes, nutty things can happen. If you’ve had a bump, been hit by an uninsured driver, or even put in the wrong kind of fuel, we’ve got your back. Our claims team will help keep you moving and make the process as pain-free as possible, by treating people… well like… people. Car insurance is confusing enough, so to take out the hassle, we’ve included Motor Legal Protection in your cover for free. Not only that, but if you need to make a change, we won’t charge you admin fees. It’s all about the little wins in life, right?! We get that sitting on the phone for hours on end trying to sort out your motor insurance is far from ideal. That’s why we offer fuss-free, online servicing that allows you to view your policy documents 24/7. We have set out right from the start to make our experience as smooth as possible, so you can get on with doing the things that are important to you. That’s what we’re all about… insurance in a nutshell. Find out more at nutshell-insure.co.uk


Contact info

3.5

Average

TrustScore 3.5 out of 5

2K reviews

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Rated 5 out of 5 stars

Easy to buy and very clear online…

Easy to buy and very clear online account.
I raised with nutshell that the year when my licence issued was pulled through incorrectly from a comparison site and I wasn't able to change it before buying the policy. Although they advised I didn't need to update this, I used their live chat feature to get the year updated and actually received a £5 refund (held licence for year longer than it had pulled through).
Very happy with the customer service they provided so updated review to a 5/5!

3 May 2026
nutshell Insure logo

Reply from nutshell Insure

Hey Jessica,
Thanks for your feedback, and we’re glad you found the buying process easy and the online account clear.

Hey Jessica,
We’re sorry to hear about the issue with the driving license start date not being captured during the comparison site journey. We understand how frustrating it is to need a correction after purchase, especially when the option wasn’t available upfront.

We can confirm that the license start date is automatically generated based on the information provided during the quote process and doesn’t need to be changed. If you have any other questions, feel free to get in touch—we’re happy to help.
Rachel

Rated 1 out of 5 stars

Cheap price, cheap service

Cheap price, cheap service. Claim I didn't declare all claims as the date I put was the accident date and the date held was a day later when I made the claim. Can't email or phone them only use live chat. Only problem is I cant log in to their website as the page won't recognise my details or let me reset my password. Absolutely useless. Now they want to cancel my insurance.

2 May 2026
Unprompted review
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Reply from nutshell Insure

Hi Russ,

We’re sorry to hear about your experience — that sounds incredibly frustrating. Issues with logging in, combined with concerns about declared claims, can make an already stressful situation much harder.
Unfortunately if the date you have given does not match the date recorded on Claims Underwriting Exchange, it can look like you've had two claims.

Please send your policy details to me at reviews@nutshell-insure.co.uk so that I can get in touch and help with this.

Vicky

Rated 5 out of 5 stars

Easy application from start to…

Easy application from start to finish.easy forms to fill in.so simple
100% happy customer

1 May 2026
Unprompted review
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Reply from nutshell Insure

Hi Mr Tyler,
Thank you for your lovely feedback! We’re really glad you found the application simple from start to finish and easy to complete. Great to hear you’re a 100% happy customer!
Rachel

Rated 5 out of 5 stars

Better prices and features.

Got a quote from a comparison site and Nutshell came out on top for both price and policy features. The whole process was simple to do and payment was straightforward, no complaints so far, thank you Nutshell.

30 April 2026
Unprompted review
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Reply from nutshell Insure

Hey Caroline,
Great to hear you had such a positive experience! It’s always reassuring when everything, from comparing quotes to making the payment, goes smoothly. Sounds like you found a solid deal with good coverage too. Thanks for sharing!
Rachel

Rated 4 out of 5 stars

Competitive and 5 star Defaqto rating …

It was a competitive result using Confused.Com. It was self-explanatory of what your needs are and how to complete. The frustrating and repetitive process of paying was infuriating over 2 days. I cleaned my cache on my device and resolved it eventually, that now my insurance is live. I read a variety of positive and negative reviews on Trust Pilot but took the chance. I hope it is a good company to be with and will review again next year.

1 May 2026
Unprompted review
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Reply from nutshell Insure

Hi Kay,

Thank you for your feedback.

I’m pleased you found the quote competitive and were able to set up your policy. I’m sorry for the frustration you experienced with the payment process, and I appreciate you taking the time to resolve it.

Vicky

Rated 5 out of 5 stars

Excellent website with clear instructions

I found the whole process of renewing my insurance with Nutshell extremely easy and have saved £200.00 a year compared to my current insurer's renewal quote for exactly the same cover. I was very happy with the price and the website was clear and user-friendly.

30 April 2026
Unprompted review
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Reply from nutshell Insure

Hi Tracy,

Thank you so much for taking the time to both leave us your five-star review and for choosing Nutshell Insurance for another year!

Vicky

Rated 5 out of 5 stars

Stress free process

Very simple and easy process to follow

1 May 2026
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Reply from nutshell Insure

Hi Ann,

Thank you for your 5 star review and feedback. It's great to hear you were able to purchase your policy with ease.

Leanne

Rated 5 out of 5 stars

The process from quote to purchasing my…

The process from quote to purchasing my car insurance was very straight forward, with step by step instructions. Recieved a good price too.

28 April 2026
Unprompted review
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Reply from nutshell Insure

Hi,

Thank you for your 5 star review and feedback. It's great to hear you're happy with our prices and it was easy for you to purchase your policy.

Leanne

Rated 3 out of 5 stars

Unable to contact this company despite…

Unable to contact this company despite being in chats with wait times of 10min and 5 mins, over 1 hour and no response whatsoever. I need to cancel my policy as I have sold my car, Would not use again. Update: was contacted the next day and advisor sorted out the cancellation to my satisfaction so rating improved accordingly.

30 April 2026
Unprompted review
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Reply from nutshell Insure

Hi James,

We’re sorry to hear about the difficulty you’ve had getting in touch and the delay you experienced on chat. That’s certainly not the level of service we aim to provide.

We’d like to help get this resolved for you as quickly as possible. Please email your policy details to reviews@nutshell-insure.co.uk and we’ll get in touch to help you.

Leanne

Rated 1 out of 5 stars

I changed my car was charged a 180…

I changed my car was charged a 180 pounds more then when I swapped my number plates they charge me 80 pounds again I read on the internet that nutshell did not charge for number plate change absolutely robbery it's nearly the same price as car insurance again thanks for nothing nutshell won't ever get insurance with you again

29 April 2026
Unprompted review
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Reply from nutshell Insure

Hi janet,

Thank you for your review.

You are correct in what you have read — we do not charge for a number plate change. The additional cost you experienced when updating your registration was due to a system error, which has now been identified and rectified.

I understand how frustrating this must have been, especially alongside the earlier charge for changing your vehicle. I will be in touch with you directly to discuss this further and ensure this is resolved for you.

Vicky

Rated 5 out of 5 stars

Never heard of Nutshell before

Never heard of Nutshell before, but searched online for car insurance, Nutshell insure popped up, gave it a try for a quote. Very competitive in price so went through the purchase process. Very simple to complete the application and breezed through the payment section.

28 April 2026
Unprompted review
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Reply from nutshell Insure

Hi Douglas,

Thanks for your 5 star review and feedback! It's great to hear you found our premium competitive!

Kirsty

Rated 5 out of 5 stars

Nutshell car insurance

The ease of taking out my car insurance online, the price and value for money, and the response from customer service team in sending all the information and appropriate documents that I needed. I've had a few online only car insurance policies, and I feel that this was the quickest and the most simplest insurance company to deal with. I would definitely recommend nutshell car insurance. So far so good.

27 April 2026
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Reply from nutshell Insure

Hi Collin,

Thanks for the fantastic 5 star review and feedback! It's great to hear you found the policy value for money and you would recommend us to others for their car insurance needs!

Kirsty

Rated 1 out of 5 stars

I just need a person to explain my situation

I just need a person to explain my circumstances to, no chance , worst insurance I have ever experienced

29 April 2026
Unprompted review
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Reply from nutshell Insure

Hi Neil,

I am really sorry to hear that you are not happy with your online policy.

As this is an online-only policy type, it does mean that there is no telephone support; however, web chats are available online and happy to help with queries and changes.

If you would like to send your policy details to us at reviews@nutshell-insure.co.uk we will be happy to look to help you.

Vicky

Rated 1 out of 5 stars

Would not refund my payment.

Would not refund my payment after cancelling my policy the same day, no cooling off period given. Main office and company registered abroad.

8 April 2026
Unprompted review
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Reply from nutshell Insure

Hi Leslie,

I am really sorry to hear that you are not happy about the cancellation fee charged after the 14 days cooling off period had ended. We do aim to be as transparent as possible about all of our fees by disclosing them at the point of sales so that customers can make an informed choice before agreeing to purchase.

We will be in touch to discuss this further.

Vicky

Rated 5 out of 5 stars

Is a £60 fee for online cancellation reasonable?

I took out a policy in good faith, but sadly my old car (owned for over 4 years) gave up the ghost within the first month of the policy. I cancelled online (no assistance required or received) and was charged a £60 fee for the privilege. I realise it was in the small print and that this is probably industry standard, but insult to injury springs to mind - £60 for what? I would have happily suspended the policy and then re-activated it when I found another car, but that option was not on offer.

Update 28/04/26

Following my unfavourable review highlighting my dissatisfaction with the application of a £60 cancellation fee, I was contacted by Nutshell Customer Services. They have considered the circumstances of my case and kindly offered to waive the entire fee on this occasion.
I am happy to report these events and have updated my rating according.

27 April 2026
Unprompted review
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Reply from nutshell Insure

Hi Ian,

I'm sorry to hear you were unhappy with the cost to cancel your insurance policy with ourselves. We will be in touch to discuss this further with you.

Kirsty

Rated 5 out of 5 stars

Easy to understand...not the cheapest…

Easy to understand...not the cheapest quote but when reading the cover it was the better quote

27 April 2026
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Reply from nutshell Insure

Hi Amanda,

We're pleased to hear you were happy with the cover included within our insurance policies!

Kirsty

Rated 1 out of 5 stars

I would give it zero stars if I could

I would give it zero stars if I could. Apparently they do not reduce the cover of insurance down from comprehensive to laid up insurance for those people that find themselves medically unfit to drive i.e. no driver but me as the policy holder until I get my licence back. They simply said that since I now do not have a driving licence they will not provide any cover whatsoever and cancelled my policy and will charge me £60 cancellation fee, deducted from what credit I have left. The end. I have since found Laid-up car insurance elsewhere, thankfully but it was unnecessarily stressful. I have emailed 'Vicky' my policy details, who after the horse has bolted, gives the same stock reply to most people complaining on here. What's point in having virtual chat assistants that don't even know how to spell their own names, manning the only way to contact Nutshell. We take out insurance because of unexpected things happening in life. And then you find out that the insurance provider simply cancels your insurance if the situation does not fit the norm. I will not be using Nutshell ever again.

27 April 2026
Unprompted review
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Reply from nutshell Insure

Hi,

Thank you for your feedback.

I’m sorry to hear about your experience and the circumstances surrounding your policy. I understand how frustrating this must have been, particularly given your situation.

When a policyholder no longer holds a valid driving licence, the ability to continue cover is subject to the insurer’s underwriting criteria. In most cases, they will not be able to offer alternative cover types, such as laid-up insurance, and may instead require the policy to be cancelled and a new specialised insurance rather than standard insurance to be sought.

As the underwriting decision sits with the insurer, we as your intermediary (broker) are not able to change or override this. In such situations, any applicable cancellation fees are applied in line with the policy terms and conditions. I do, however, appreciate in this instance that your circumstance is extenuating, and we would like to look at this for you.

Please send your policy details to me at reviews@nutshell-insure.co.uk so that we can discuss this further.

Vicky

Rated 5 out of 5 stars

Excellent service

Excellent service and a good price thanks again keep well informed.

1 April 2026
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Reply from nutshell Insure

Hi Peter,

Thank you for taking the time to leave us your five star review!

Vicky

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