Car Subscription

How Does Insurance Work for a Wagonex Car Subscription?

Simplifying Insurance for Subscription Vehicles with Wagonex

It’s important to know there is no automatic insurance included with your subscription vehicle. At Wagonex, we believe in providing our customers with choice and control over your subscription and insurance. This ensures that customers have complete transparency regarding the cost of a subscription.

Subscription vehicles have gained popularity by offering a flexible and convenient alternative to traditional car ownership, with a lot of the maintenance and repairs taken care of. But getting suitable insurance coverage for these subscription vehicles can often be a challenge, as many insurance companies are still adjusting to this emerging market and a lot of subscription companies use fleet based policies. In this blog post, we will explore how Wagonex, in collaboration with Veygo (part of the Admiral Group) provides tailored insurance solutions for subscription vehicles, ensuring peace of mind for our customers. 

Tailored Insurance Coverage

One of the main advantages of getting insurance with Wagonex is that it’s suitable for subscription vehicles, which recognises that these aren’t owned by the policy holder. Unlike some other insurance providers, Wagonex offers coverage specifically designed for subscription vehicles, allowing customers to enjoy the benefits without worrying about insurance compatibility issues. We also don’t charge any cancellation or administrative fees, providing the flexibility you need to make changes to your policy easily.

Flexibility and Convenience

Compared to traditional annual insurance, your policy length can last for the duration of your chosen subscription if it’s within 1-12 months, with the option to extend for a longer subscription. You can also amend or cancel your coverage as required with no additional fees. This flexibility aligns with the nature of subscription services, allowing subscribers to tailor your insurance to your specific needs and durations of use.

Dedicated Support

Wagonex understands that insurance-related queries may arise and we have a dedicated team on hand to help. Whether you have questions about policy details, changes, or any other insurance-related matters, the Wagonex support team is readily available to provide the necessary guidance and support.

Personalised Pricing

We strive to offer competitive pricing for short-term or flexible insurance versus the market. While other subscription services often include fleet insurance, Wagonex recognises the importance of personalisation, meaning you’re able to use your existing no claims bonus and receive pricing based on your individual driving history. This approach gives you full control over your insurance policy and a transparent view of the associated costs, enabling you to make informed decisions about your coverage. Our insurance by Veygo offers a fully comprehensive policy which includes:

  • Third-party injury Vehicle damage
  • Personal injuries Audio equipment & locks
  • Windscreen and window damage
  • Child equipment

For detailed information on coverage, our customers are encouraged to review the Monthly Insurance Subscription Guide and Insurance Product Information Document here.

What do we need from you?

As insurance is a legal requirement, you must arrange suitable coverage for your subscription vehicle. When choosing to get a quote with us, the Wagonex team will take care of providing the necessary insurance certificate to the vehicle supplier. This streamlined process ensures that our customers meet the insurance requirements without any hassle. During the checkout process, you will have the option to request an insurance quote. The estimated quote lets you assess the affordability and suitability of the coverage. If the quoted price changes for any reason, the Wagonex team will let you know before the policy is live. Once the vehicle supplier confirms your subscription request, Wagonex will set up the insurance as part of the subscription agreement. Your policy documents outlining the coverage details will be emailed to you and a copy of the insurance certificate is shared with the vehicle supplier.

Adding Insurance Later

If you want to explore alternative insurance options, you have the flexibility to do so. If you initially opt out of continuing with insurance on, you can still add it later by contacting our dedicated team at This option allows you to compare prices and select the insurance coverage that best suits your needs.

Separate Payment for Insurance

To ensure clarity and simplicity, Wagonex separates the insurance payment from the subscription fee. Subscribers will be notified about the first payment, which is processed once the vehicle is delivered. This separation of payments allows subscribers to better understand the breakdown of costs associated with your subscription.


So to recap, Wagonex works with Admiral to offer a tailored insurance solution for subscription vehicles, providing our customers with peace of mind and flexibility - but it’s not automatically included in your subscription cost. By focusing on the unique requirements of subscription-based car usage, we hope our customers can enjoy their vehicles without the worry of insurance compatibility or extra admin. With competitive pricing, personalised coverage, and a dedicated support team, Wagonex simplifies the insurance process for subscribers, making the transition to subscription vehicles a seamless experience.

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