Dotsure Comprehensive Car Insurance Review 2026
Dotsure's comprehensive car insurance is built around a "Name Your Price™" customisation model and optional telematics-based pricing. Verified against Dotsure's own site in July 2026.
Key features
- Comprehensive cover: accidental damage, theft, hijacking, fire, and damage to others' property, plus key replacement and non-standard accessories cover.
- Limited credit shortfall cover is included at no additional charge on all vehicle policies.
- Name Your Price™: customise your cover (windscreen cover, frequent-driver discount, night/weekend driving, hail cover, single-driver option) to adjust your premium. Buying online carries a 20% lifetime discount.
- Telematics pricing: two options — the Smart Driver Tag (month-to-month, tied to your policy) or the Smart-Box (fitted via a 36-month Netstar contract — if you cancel your Dotsure policy, you must keep paying Netstar directly for the rest of that term). Both tailor your premium to your actual driving behaviour.
- Add-ons: Pothole Protect, Accident Protect (cash payout after a valid claim), Emergency Medical transport, Fines Protect, License Protect, roadside assistance, and Body Protector.
Eligibility
Driver's licence required (learner's excluded), driver aged 20–80, vehicle under 20 years old with a GVM of 3,500kg or less, and not used for courier, driving-school or security services. Final approval depends on your risk profile.
Getting a quote
Dotsure advertises an online quote process — get a quote, customise your cover, and activate your policy — in under 3 minutes.
Is it worth it?
The Smart-Box's 36-month Netstar contract is worth reading closely before signing — cancelling your Dotsure policy early doesn't end that separate contract. If you're comfortable with telematics-based pricing and want to customise cover tightly, compare Dotsure against other car insurance providers to see how the numbers work out for your driving profile.
