nutshell Insure Reviews 1,300

TrustScore 3.5 out of 5

3.6

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Review summary

Based on reviews, created with AI

Most reviewers were somewhat happy with their experience overall. People appreciate the user-friendly website and the ease with which they can set up their policies. Consumers often highlight the competitive prices, with some noting they found better deals compared to other insurance providers. The straightforward process of managing the account and making changes online is also well-received. However, some reviewers express concerns about the lack of direct telephone support, with all contact being done online. Some customers have experienced difficulties reaching customer service and express their frustration with the chatbot. A few reviewers also mention issues with policy changes or cancellations, sometimes incurring fees.

Based on these reviews

Rated 4 out of 5 stars

Nutshell offered a much more favourable quotation on a newer vehicle, than my previous insurance company. Whom I had been insured with for some seventeen years. So I hope to be with Nutshell now fo... See more

Company replied

Rated 4 out of 5 stars

I had no problems at all using this firm , the quote I got was the best across all the comparison sites , very happy with it , and easy to follow form , right up to payment .

Company replied

Rated 4 out of 5 stars

Car insurance is competitive. Other than for making a claim, the only way to contact this business is via a chatbot. Like most chatbots, this one opens with a few set questions which do not suit t... See more

Company replied

Rated 4 out of 5 stars
Invited

Took out a policy and was emailed instructions to register for an acvount. However i was unable to fo this as it didn't recognise my details. Tried emailing company but no response at first so had... See more

Company replied

Rated 2 out of 5 stars
Invited

Just insured my car with them now and created an account as unfortunately everything’s done online. Clicked on the ‘Chat Now’ button as I have a query and the page just refreshes. Each time I click... See more

Company replied

Rated 5 out of 5 stars

Fantastic price on go compare 4 years no clams made a lot cheaper. Nutshell came best price & gave best price for same level of car insurance. Key cover included what normal extra very happy with p... See more

Company replied

Rated 5 out of 5 stars

Can’t complain. Straight forward process, was easy to set up account and turn off auto renewal once you were in your account. Cheapest price that offered non insured driver compared to my previous ins... See more

Company replied

Rated 5 out of 5 stars

I received a compare the market email reminding me about my insurance. I though I was going to stay with current provider and let it auto renew as the price seemed okay, however when I double checked... See more

Company replied

Rated 5 out of 5 stars

Nutshell was one of the companies suggested to me by one of the search engines. I’ve looked at several. This one was the best for me and included everything I had requested. There was also an option... See more

Company replied

Rated 5 out of 5 stars

Really pleased with the service from nutshell. I drive a high performance car and previous insurance quotes have been very expensive. Nutshell was much cheaper, so was happy to take out a policy with... See more

Company replied

Rated 2 out of 5 stars

Dreadful experience. All done via web chat. Using a very slow and useless portal to communicate. No support centre to call whatsoever. Very very frustrating. Cancelled policy before started as found i... See more

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Rated 5 out of 5 stars

Nutshell offered a competitive price, more so that our existing Swinton renewal would have been. It was simple to set up and get the policy etc. Obviously, the proof of a good insurance is when you... See more

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Rated 5 out of 5 stars

Quote application was the best, easy and extremely quick and only asking for the required information and not your bra size!! ...Excellent competive prices. Very impressed..Thank you..Karen

Company replied

Rated 2 out of 5 stars

Competitive pricing and ok service but i wanted to change the car which was being insured. The new car none of the underwriters could insure, so the policy had to be cancelled and i had to pay the can... See more

Company replied

Rated 5 out of 5 stars

The price was a lot cheaper than my existing policy and once all the extras were included, Nutshell was actually more expensive than my renewal quote but this was only after I spoke to my insurance co... See more

Company replied

Rated 5 out of 5 stars
Invited

Easy accessible website to use. Great policy cover with extras included. And most importantly a very good price compared to lots of bigger Insurance companies who promise cheap comparable policies.... See more

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Rated 5 out of 5 stars
Invited

Setting up the insurance was very easy. Was a bit concerned about the lack of telephone support - however having read the reviews on here it would appear that issues in this respect have been resolved... See more

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Rated 5 out of 5 stars

Just signed up and (as insurance application forms go) the UI is well designed, nicely written text prompts and the process is all fairly painless. It was especially handy not having to upload my NCD... See more

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Rated 3 out of 5 stars

I went with Nutshell as they were the cheapest quote. However you cannot speak to someone about policy. Everything is done online which doesn't suit everyone. I changed my car after having the polic... See more

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Rated 4 out of 5 stars

Nutshell provided a quote that I was happy with. The cover is nearly identical to my current one but I paid a lot less than my renewal quote. Should I have any accidents I do hope the process of sorti... See more

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Rated 5 out of 5 stars

Took out a policy as they were competitive and also Defaqto 5* which often brings some added reassurance. Their website and online account is clear and not cluttered. Obviously I can only base my revi... See more

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Rated 5 out of 5 stars

Quick and easy to setup a new policy. Policy included a number of extras as part of the policy that are normally extras like key care. Website is easy to navigate and obtain the information you need.... See more

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Rated 5 out of 5 stars

I was with aviva £34 a month, my latest renewal was almost £40 a month, did a quick check on go compare and found nutshell £13.00 per month for exactly the same cover. I've never claimed, thankfully,... See more

Company replied

Rated 5 out of 5 stars

After 5 years with Admiral who declined my direct debit due to 2 missed payments which was because of a change over of a bank account but still did pay eventually which was very disappointing for bein... See more

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Rated 3 out of 5 stars
Invited

I wanted to cancel the policy with half an hour of taking it out and I was charged £25! Luckily i received a call from a customer services representative to discuss my review and the fee was waived as... See more

Company replied

Rated 5 out of 5 stars

I can only rate my experience with taking out insurance for the first time with Nutshell. Excellent quote and I did a lot of comparisons to find it. Overall, the process was easy and their site was... See more

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Rated 5 out of 5 stars

Had to swap registration plate numbers over (private plate ). Did it on line in literally a couple of minutes and at no charge. Confirmation received within minutes also. Very easy to do , great web... See more

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Rated 2 out of 5 stars
Invited

I’ve been trying to access my policy for the last four days, requested a change of password email but not received any response whatsoever. How am I supposed to see my cover documents if you’re websit... See more

Company replied

Rated 2 out of 5 stars

Thinking of changeing car policy to nutshell but wanted to clarify a couple of points before I comitted. Couldn't get on live chat, assume they want policy details before you get access as just kept... See more

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Rated 5 out of 5 stars

5 star so far as it was the easiest online car insurance renewal I have ever done. The price is very competitive compared to other providers. I can't comment further as I have had no need to contact... See more

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Rated 5 out of 5 stars

This is the first time we have used Nutshell but hopefully won't be the last. It was easy to navigate through the process providing you are happy to use a internet only insurance. The price was compet... See more

Company replied

Rated 5 out of 5 stars
Invited

Great price and so easy to set up vehicle policy. I found the website easy to understand and I was able to create my account and set up my banking details etc in minutes. I was shown the site via "Con... See more

Company replied

Rated 5 out of 5 stars

Easy to sort my car insurance out, competitively priced and clear instructions on how to manage your account. I haven’t needed to use the Chatbox communication as yet.

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Rated 3 out of 5 stars

Took out a policy which isn’t due to start for another 3 weeks and decided the next day to stay with my previous insurer. You can only use the on line chat so couldn’t speak to anyone and was told... See more

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Rated 5 out of 5 stars

Totally hassle free and easy to use website. Insurance at a fair price. Well recommended.

Company replied

Rated 5 out of 5 stars

Good prices & simple to contact , hopefully won’t have to claim but if u do hopefully will be same good customer service 😊

Company replied

Rated 5 out of 5 stars
Invited

I have make my updated about uploading no claims discount coz I had the call from insurance explaining me to no need to do anything because everything is done automatically otherwise insurance will re... See more

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Rated 5 out of 5 stars

Nutshell provided a cover that was identical to my renewal notice but £40 cheaper. Web site was straightforward and easy to use.

Company replied

Rated 5 out of 5 stars

Fast and easy and a great price. My former insurers couldn't supply a quite due to the vehicle type. Found Nutshell on line. Thought let's give it a go. Not the cheapest. But very competitive and ver... See more

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Rated 5 out of 5 stars

The website is very easy to navigate and any changes easy to make. very user friendly, I wouldn't hesitate to recommend.

Company replied

Rated 5 out of 5 stars

breath of freshair all quotes were correct and nothing changed apon checking all details

Company replied

Rated 5 out of 5 stars
Invited

Very comparable prices, the operation was easier than almost all other insurance providers and I will certainly recommend to family, friends and colleagues. Thank you

Company replied

Rated 5 out of 5 stars

Nutshell were the cheapest quote and had no hidden charges. The process was quick and completed in less than 10 minutes.

Company replied

Rated 4 out of 5 stars

Website easy to use and the simplicity of being able to access your documents I would strongly recommend this insurer

Company replied

Rated 5 out of 5 stars
Invited

easy to use link from comparison site. Documents are easy to understand

Company replied

Rated 3 out of 5 stars
Invited

Purchased insurance in full on 18/11/25 and I'm still waiting for it to show on my account, No direct customer contact phone number, paper certificate of insurance would be better for when renewing

Company replied

Rated 5 out of 5 stars

10 out of 10 simple and straightforward would definitely recommend. Great price 👍

Company replied

Rated 5 out of 5 stars
Invited

every thing is explained and easy to follow very pleased with the service

Company replied

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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

3.6

Average

TrustScore 3.5 out of 5

1K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 100% of negative reviews

Typically replies within 48 hours


Rated 4 out of 5 stars

Stay true to the cause

I hope that Nutshell stay true to the cause, I have been with so many start up insurance companies in my life time, and you find once they become known they sell the company on, and everything goes out of the window , at this point I'm pleased with my quote.

8 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Mac,

Thanks so much for sharing your thoughts with us — and for giving Nutshell a chance!

We completely understand where you're coming from. The insurance world can change quickly, but our mission stays the same: keep things simple, fair, and customer-first.

We’re genuinely thrilled to hear you’re happy with your quote, and we’re here to make sure that feeling lasts. No matter how much we grow, staying true to our values isn’t just a promise.

Welcome to the Nutshell family!

Thanks Laura

Rated 3 out of 5 stars
Invited

Easy enough do online

Easy enough do online, but no support for those with special needs. Not everyone is ok using a computer. The live chat is also not great

8 December 2025
nutshell Insure logo

Reply from nutshell Insure

Hi Candice,

Thank you for your feedback. We’re sorry to hear you’ve had difficulty accessing support, and we understand not everyone is comfortable online. We’ll be in touch to see how we can assist you further and improve your experience.

Kirsty

Rated 5 out of 5 stars

Very competitive car insurance

Not only the best quote I've had for my vehicle , but a very easy process to fill out the necessary forms online. Recommended!!

8 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Stephen,

Thanks for your 5 star review! It's fantastic to hear you would recommend us to others!

Kirsty

Rated 1 out of 5 stars

Avoid at all costs

Impossible to work with. No contact numbers and live chat doesn’t work. Avoid at all costs

8 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Phil,

Thank you for taking the time to reach out and leave us your feedback!

Please send your policy details to me at reviews@nutshell-insure.co.uk and I will be happy to help with your query or change.

Vicky

Rated 4 out of 5 stars

Very competitive priced car insurance

Very competitive priced car insurance. I am happy with the overall online service.

8 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Mr Goli,

I'm pleased to hear you found the premium competitive!

Kirsty

Rated 4 out of 5 stars

I had no problems at all using this…

I had no problems at all using this firm , the quote I got was the best across all the comparison sites , very happy with it , and easy to follow form , right up to payment .

6 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hiya Roseanne,

Thanks so much for the fantastic review — we love hearing this!

We’re thrilled that you found our quote the best across the comparison sites and that everything was smooth and easy right through to payment. That’s exactly the kind of experience we want our customers to have.

Delighted to have you with us, welcome to the Nutshell family!

Thanks Laura

Rated 4 out of 5 stars

They increase their first quote if you revise your renewal date by even 6 days!

Feels really duplicitous. Price goes up in the quote period, even for a change of renewal date that is less than a week difference. Apparently, although the risk hasn't changed this is industry standard. However, Nutshell were proactive and I have had an excellent phone conversation with their customer services so feeling happier with the outcome and have adjusted rating.

5 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Jan,

Thank you for taking the time to leave your review and feedback with ourselves. We're sorry to hear you were unhappy with the price increase on your policy. Please can you email your policy details over to reviews@nutshell-insure.co.uk so we can look into this further for you.

Kirsty

Rated 1 out of 5 stars

Bought a new car & so no longer needed…

Bought a new car & so no longer needed this car insurance... This company charged me £60 to cancel! Disgraceful! I will never buy insurance with them again!

UPDATE: The cancellation fee works out at over 20% of the base cost of the policy & I have been told by Nutshell that they feel this is fair?

I'll leave you to decide whether you think this is fair, but I certainly do not.

3 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Leslie,

Thanks for sharing your feedback. We’re really sorry to hear you feel let down by the cancellation charge . We understand that can be frustrating, especially after buying a new car.

Cancellation fees are usually outlined in the policy terms, but we’d like to take a closer look and see if there’s anything we can do to help. We’ll be in touch with you directly to review this and discuss your options.

Thank you again for letting us know , your comments are important to us.

Leanne

Rated 5 out of 5 stars

Fantastic price nutshell …

Fantastic price on go compare 4 years no clams made a lot cheaper. Nutshell came best price & gave best price for same level of car insurance. Key cover included what normal extra very happy with price

20 November 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hey Andrew,

Thank you so much for taking the time to leave us your fab five-star feedback!

Vicky

Rated 1 out of 5 stars

Cancelled my policy for “undeclared claims” even though their own letter proved I declared them — still no refund

My experience with Nutshell has been genuinely shocking from start to finish. They cancelled my policy before it even began, claiming I “didn’t declare any of my claims.” This was completely untrue.

I declared all of my claims on the comparison website — I checked the exact quote I originally used, and the claims were definitely included. I even ran the same search again afterwards, and the claims still showed. Nutshell even appeared again on my new list of quotes offering me cover, which makes absolutely no sense if they believed I hadn’t declared anything.

Customer service insisted that my “welcome pack” showed no claims declared, but I couldn’t even access the welcome pack at all, which I repeatedly explained. Instead of investigating, the chat agents just repeated the same script and refused to escalate anything properly.

The worst part is the letter they sent me literally stated “claims declared by you that match CUE,” and then listed the claims — including a duplicated one on their system. So their own documentation confirmed I did declare my claims, yet they still blamed me and cancelled the policy based on incorrect data.

To make the experience even worse, they have still not refunded me, despite cancelling the policy before it started and providing no cover at all. I’ve had to chase repeatedly just to get my own money back.

I’ve now gone elsewhere for insurance because I cannot trust a company that mishandles basic information, cancels policies incorrectly, and then delays refunds.
Overall, a terrible experience — I strongly advise avoiding this insurer.

2 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hello Olivia,

Thank you for taking the time to leave such a detailed review!

We’re genuinely sorry to hear how frustrating this experience has been for you, and we completely understand why you’re disappointed. This isn’t the smooth, supportive journey we aim to deliver, and we appreciate you giving us the chance to look into what happened.

We never want any customer to feel unheard or stuck in a loop, so we’re especially sorry to hear that our communication didn’t give you the clarity or support you needed. Your comments about the claims information, the welcome pack access, and the refund delay are taken seriously, and we’d really like the opportunity to review this fully and put things right.

If you’re open to it, please send your policy details to reviews@nutshell-insure.co.uk so we can investigate properly, clear up any inconsistencies, and make sure everything — including your refund — is fully resolved!

Many Thanks
Laura

Rated 4 out of 5 stars

Nutshell offered a much more favourable…

Nutshell offered a much more favourable quotation on a newer vehicle, than my previous insurance company. Whom I had been insured with for some seventeen years.
So I hope to be with Nutshell now for at least seventeen more years of motoring.

1 December 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Michael,

I'm pleased to hear you were happy with the quote given to insure your new vehicle with ourselves!

Kirsty

Rated 5 out of 5 stars

Really pleased with the service from…

Really pleased with the service from nutshell. I drive a high performance car and previous insurance quotes have been very expensive. Nutshell was much cheaper, so was happy to take out a policy with them. The process of taking out the policy was extremely easy.

30 November 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Andy,

Thanks for such a fantastic 5 star review! We're pleased to hear you were happy with the policy with ourselves and that you found the process extremely easy!

Kirsty

Rated 2 out of 5 stars
Invited

Unable to contact them!

Just insured my car with them now and created an account as unfortunately everything’s done online.
Clicked on the ‘Chat Now’ button as I have a query and the page just refreshes. Each time I click it the same thing happens. I then tried clicking on ‘Contact Us’ but exactly the same so it would appear that although they claim there’s a chat facility it doesn’t actually exist!
God help me if I ever need to make a claim!

1 December 2025
nutshell Insure logo

Reply from nutshell Insure

Hi P S,

Thank you for taking the time to leave your review with ourselves. I'm sorry to hear you have been having issues getting through to our webchat team. We will be in touch to assist you further with this.

Kirsty

Rated 1 out of 5 stars

Poor customer service

We have had car insurance through Nutshell for the last 12 months. No claims during that period. It is now renewal time and they have said because of our current details they cannot provide a quote. Nothing has changed over the last 12 months, but they won't explain what it is in our current details that leads them to this conclusion. Very frustrating and in my book pretty poor customer service

23 November 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Paul,

I am really sorry to hear that we have not been able to provide you with a quote this year, That is not an outcome that we want at all.
Our inability to provide a quote is often due to underwriting criteria changing but I would love the opportunity to take another look at this for you!

Please send your policy details to me at reviews@nutshell-insure.co.uk.

Vicky

Rated 3 out of 5 stars
Invited

Purchased insurance 18/11/25…

Purchased insurance in full on 18/11/25 and I'm still waiting for it to show on my account, No direct customer contact phone number, paper certificate of insurance would be better for when renewing

18 November 2025
nutshell Insure logo

Reply from nutshell Insure

Hi Mrs Seager,

When we issue the policy we send an email with a link that takes you to your online account for your documents. Please check your junk and spam emails and I will be intouch shortly to assist further.

Vicky

Rated 5 out of 5 stars

£60 cheaper from Nutshell with same underwriter and enhanced cover.

I received a compare the market email reminding me about my insurance. I though I was going to stay with current provider and let it auto renew as the price seemed okay, however when I double checked current provider the price had increased. Nutshell were quoting £60 cheaper and when I looked into details, it was the same underwriter, same cover plus a couple of extras so it was a no brainer. Of course the merit of an insurance provider is how they deal with a claim, so hopefully I won’t find out but if I do, I hope it goes well!

28 November 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Mrs Dickinson,

Thank you for your fab five-strar review!

Enjoy your saving and welcome to Nutshell Insurance.

Vicky

Rated 5 out of 5 stars

Can’t complain

Can’t complain. Straight forward process, was easy to set up account and turn off auto renewal once you were in your account. Cheapest price that offered non insured driver compared to my previous insurance company renewal quote.

27 November 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Yvette,

Thank you so much for taking the time to leave us your fab five-star review!

Vicky

Rated 5 out of 5 stars

Fast and easy and a great price

Fast and easy and a great price. My former insurers couldn't supply a quite due to the vehicle type. Found Nutshell on line. Thought let's give it a go. Not the cheapest. But very competitive and very easy to do. So a big thumbs up from me

28 November 2025
Unprompted review
nutshell Insure logo

Reply from nutshell Insure

Hi Max,
It's brilliant to hear that you enjoyed the process of setting up your policy. Thank you for your review.
Rachel

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