Moja Insurance
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Who Is Moja Insurance?
Moja is an online-only car insurer owned by AXA, one of the world’s largest insurance groups. It launched in the UK in 2022 and focuses on keeping costs low by operating entirely online with no phone sales.
Moja offers two policy tiers, Moja and Moja Essentials, both underwritten by AXA. The FCA regulates Moja as part of AXA Insurance UK plc.
As a digital-first brand, Moja handles quotes, policy changes, and claims through its website and app. It also pledges to plant two trees for every policy sold.
How To Compare Moja Car Insurance Quotes At SimplyQuote.co.uk
You can compare Moja alongside 130+ other UK insurers via SimplyQuote.co.uk using the car insurance comparison tool in four quick steps.
Enter your details
Provide your name, address, driving history, and vehicle registration. The form takes around five minutes.
Compare your quotes
You’ll see prices from Moja and dozens of other providers side by side. You can sort by price, cover level, or customer rating.
Check policy details
Look beyond the headline price. Compare excess levels, add-ons, and cover limits before choosing.
Buy online
Select the policy that suits you and complete the purchase online. You can choose to pay annually or in monthly instalments.
What Does Moja Car Insurance Cover?
Moja offers two policy tiers that both include an uninsured driver promise, a courtesy car, and a repairs guarantee.
Moja (standard)
The standard tier includes windscreen cover, personal belongings protection, and driving abroad for up to 90 days across 35+ countries. It’s available at comprehensive level only.
Moja Essentials
The budget tier strips out windscreen cover, personal belongings, and European driving to bring the price down. It still includes the courtesy car and uninsured driver promise.
Essentials is aimed at drivers who want the lowest possible premium and don’t need European cover or windscreen protection. It’s a good option if your car is parked at home most of the time.
| Feature | Moja | Moja Essentials |
| Courtesy car | Yes | Yes |
| Uninsured driver promise | Yes | Yes |
| Repairs guarantee | Yes | Yes |
| Windscreen cover | Yes | No |
| Personal belongings | Yes | No |
| Driving abroad (90 days) | Yes | No |
| Cancellation fee | £52.50 | £52.50 |
What Add-Ons Does Moja Offer?
Moja offers nine optional extras that you can bolt on to either policy tier for an additional cost.
Courtesy car upgrade
Both tiers include a standard courtesy car, but the upgrade gives you a larger replacement vehicle while yours is being repaired.
Breakdown cover
24/7 roadside assistance and recovery if your car breaks down. This is a paid add-on on both tiers.
No-claims discount protection
Protects your no-claims bonus even after a fault claim. You’re allowed one claim per year or two in three years without losing your discount.
Personal injury and rehab cover
Covers up to £100,000 if you’re injured in an insurable event, plus £5,000 towards rehabilitation. This is one of the more generous personal injury add-ons on the market.
Legal cover
Covers legal costs if you need to pursue compensation after an accident that wasn’t your fault. This is a common add-on across most UK insurers.
Overnight accommodation and onward travel
Up to £500 for overnight accommodation and onward travel if your car is written off or too damaged to drive.
Child car seat cover
Replaces your child’s car seat after any accident, even if there’s no visible damage. Safety experts recommend replacing seats after any collision.
Driving abroad cover
Extends your cover to 90 days across 35+ countries. This is included on the standard Moja tier but available as a paid add-on for Essentials customers.
How Much Does Moja Car Insurance Cost?
Moja’s pricing depends on your age, postcode, vehicle, driving history, and which tier you choose. As an online-only brand backed by AXA, Moja aims to undercut traditional insurers by removing phone and branch costs.
What affects your Moja quote?
The same factors that affect any car insurance quote apply: your insurance group, annual mileage, claim history, and the cover level you pick.
| Factor | How It Affects Your Premium |
| Age | Younger and older drivers pay more due to higher claim rates |
| Postcode | Urban areas with higher theft rates cost more |
| No-claims discount | More claim-free years means a bigger discount |
| Annual mileage | Lower mileage reduces your risk and your quote |
| Insurance group | Cars in groups 1-10 are cheapest to insure |
| Policy tier | Moja Essentials costs less than the standard Moja tier |
How does Moja compare on price?
Moja is competitive for drivers who want a no-frills online policy. Its online-only model cuts the overheads that traditional insurers pass on to customers.
Pricing varies by profile, so comparing across multiple insurers is the best way to check whether Moja is cheapest for you.
Is Moja Car Insurance Good Value?
Moja scores 67% in the Which? policy assessment for its standard tier and 59% for Moja Essentials, placing it slightly below the market leaders.
Industry ratings
As part of the AXA group, Moja benefits from AXA’s claims-handling infrastructure. AXA’s claims acceptance rate sits between 95% and 100%, close to the industry average of 98.8%.
Customer feedback
Moja has positive reviews on Trustpilot, with customers praising the competitive pricing and simple online process.
The main complaints relate to the limited options for speaking to someone by phone, which is a trade-off of the online-only model.
Complaint rate
AXA’s complaint rate across its brands sits higher than the industry average. This is worth noting, though Moja itself is newer and has a smaller sample size.
No admin fees for mid-term policy changes is a genuine advantage. Many traditional insurers charge £20 to £30 for each amendment.
For a full list of insurers you can compare, see our car insurance companies page.
How To Save Money On Moja Car Insurance
You can reduce your Moja premium by building your no-claims discount, adjusting your cover level, and comparing quotes at renewal.
Protect your no-claims discount
Moja offers NCD protection as an add-on, which keeps your discount safe even after a fault claim. You’re allowed one claim per year or two in three years without losing your NCD. Building a strong no-claims history is one of the most effective ways to reduce your premium over time.
Switch to Moja Essentials
If you don’t need windscreen cover, personal belongings protection, or European driving, downgrading to Essentials reduces your premium.
Increase your voluntary excess
Agreeing to pay a higher voluntary excess in the event of a claim lowers your annual premium. This works best if you have a clean driving record and rarely make claims.
Pay annually instead of monthly
Monthly instalments include interest that can add 10% to 30% to your total cost. Paying annually avoids this entirely.
Compare quotes every year
Auto-renewing without comparing almost always costs more. A quick comparison at renewal takes five minutes and can save hundreds. Even if Moja gave you the best quote last year, another insurer may beat them at renewal.
How Do You Make A Claim With Moja?
Moja handles claims online through its website and app, with no need to wait on a phone line.
Starting a claim
Log in to your Moja account and follow the prompts. You’ll be asked whether you need roadside assistance and then guided through the claim type. Claim categories include glass damage, road traffic accidents, storm or flood damage, theft, lost keys, wrong fuel, and malicious damage.
Roadside assistance
For accident-related assistance, call 0330 094 5225. If you have breakdown cover as an add-on, the separate breakdown line is 0330 024 8305, available 24/7.
Claim handling
Claims are managed by AXA’s UK claims team, not a separate Moja team. AXA’s claims acceptance rate is between 95% and 100%, close to the industry average. You can compare how other insurers like Admiral handle claims to see what suits you best.
Frequently Asked Questions
Moja is online only, so policy changes are handled through its website and app. For claims call 0330 094 5225, and for breakdown assistance call 0330 024 8305.
Yes, you can cancel through your online account. Within the 14-day cooling-off period there’s no cancellation fee beyond a charge for days covered.
After the 14-day cooling-off period, Moja charges £52.50 to cancel your policy.
Yes, Moja is a brand of AXA Insurance UK plc. Your policy is underwritten by AXA, and claims are handled by AXA’s UK claims team.
No, Moja only offers comprehensive cover. If you need third party only or third party, fire and theft, compare other providers through SimplyQuote.
No, Moja doesn’t offer telematics or black box policies. If you want a black box policy, compare options through SimplyQuote.
No, Moja doesn’t offer multi-car discounts. If you need to insure more than one vehicle, compare multi-car insurance quotes through SimplyQuote.
Moja’s online-only model and competitive pricing can work well for younger drivers. Compare young driver insurance to see if Moja is the cheapest option for your profile.
No, Moja only offers annual policies. For short-term cover, compare temporary car insurance options through SimplyQuote.
Moja covers electric vehicles on both tiers, though it doesn’t offer EV-specific add-ons like battery cover. For specialist options, compare electric car insurance through SimplyQuote.
Moja doesn’t offer specific learner driver policies. For dedicated cover, compare learner driver insurance through SimplyQuote.
