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Darwin Insurance Reviews

Rated 4.3 based on 2018 Reviews

Riverbank House, 2 Swan Ln, London EC4 3AD

Insurance Services London

Published on
July 28, 2025
Last updated
July 28, 2025

Reviews Summary

The overall sentiment toward Darwin Insurance is predominantly negative, as evidenced by multiple reviewers detailing frustrations with the company’s claims process, customer service, and policy management. Reviewers consistently note long wait times, issues with logging in, poor communications, and challenges reaching staff—as well as frequent complaints about claims handling. While one customer mentions a helpful staff member (Ryan) and a competitive renewal quote, the majority offer accounts of dissatisfaction, including accusations of errors in claims recording, delayed payouts, and unexpected charges. Persistent issues with cancellations, refunds, and disputed charges arise in several reviews.

Frequent themes across these Darwin Insurance reviews include lack of responsiveness, complicated or opaque digital systems, inadequate support during claims, and ongoing administrative errors. Recurring topics are errors in claims status, unresolved or delayed payouts, aggressive fee policies, and claims of unhelpful or rude staff. A notable review mentions the perceived absence of adequate escalation and accountability, while another details a lengthy ombudsman complaint process, suggesting formal dispute resolution is sometimes necessary.

Overall, Darwin Insurance is regarded as a company facing serious trust and operational challenges based on recent customer feedback. The consistent reports of unhelpful support, difficulties in cancelling or adjusting policies, and dissatisfaction with claim settlements suggest reputational risk for Darwin Insurance in the UK insurance market. The limited positive feedback focuses narrowly on individual service encounters, rather than systemic strengths.
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What Customers Are Saying About Darwin Insurance?

extremely helpful throughout the whole process

Trustguide extracts key phrases from reviews about Darwin Insurance and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 10% of Darwin Insurance's customers had a positive experience.

Positive
10%
Neutral
0%
Negative
90%

Darwin Insurance Ratings

5

As of Based on 2018 revies as of Jul 28, 2025

Darwin Insurance Score

10%

As of Based on 2018 revies as of Jul 28, 2025

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Customer Reviews

As of Jul 28, 2025, 2018 customers have reviewed this business and rated it 4.3 Star out of 5. Trustguide conducted an in-depth analysis of Darwin Insurance's publicly available reviews View source

James Webb rated Darwin Insurance 1 stars
a month ago
I switched auto renewal off as always. When it came to renewal they contacted me with my renewal notice. Another insurance was much cheaper. I tried to log in to their website and confirm the insurance would be cancelled with the online account. But their system kept having an error. I tried to call but could not get through so I emailed them twice but had no reply. Then a couple of weeks after, they email me a payment demand for cancelling and a 2 weeks extra insurance saying I didn't cancel the insurance. Don't use this ridiculous insurance company!
Mohammed Sheikh rated Darwin Insurance 1 stars
3 weeks ago
Don't waste your time, they're only good at taking your money! An insurance company who are happy to take premiums and payments from customers but have a hard time settling disputes and complaints, especially when they record information inaccurately and incorrectly. I notified them of an incident that took place in a couple of years ago, which after 6 months of poor investigation and no regular updates, I was assured the information provided would be recorded as information only, as no claims had been submitted by me or any 3rd parties. As such I was categorically told that this shouldn't affect my premiums or NCB going forward. Fast forward a few months when it comes to renewal, I change insurance providers to one that offers me a cheaper quote. At least I thought so until they then contacted a few weeks later demanding an additional payment due to this 'open claim'! So either I pay the additional premium difference or have my insurance cancelled. I paid the difference and discovered that Darwin Insurance had in fact kept the claim open, which is what caused me to have to pay the additional premium, not to mention that it made me come across has having dishonestly obtained a cheaper quote, which could have had the new insurance provider cancel my policy! After logging a complaint and a couple emails forwards and backwards Darwin Insurance failed to act on my complaint within 8 weeks which then meant taking it to the ombudsman in order to resolve the matter, with a view to me claiming back the difference as well as compensation for their mistake! It seems well after 8 weeks did I finally receive their 'final response' retrospectively dated by post stating that they wouldn't be upholding my complaint! Yet when I requested this final response via email they simply said it had been sent to me but couldn't confirm when it had been sent nor could they email me a copy or summary of the response, talk about being incompetent! Not to mention only after the ombudsman involvement did they then say 'we could look into it but you've now got the ombudsman involved'! Following the ombudsman complaint even then I was being told that Darwin Insurance were being stubborn in refusing to accept liability for their mistake as well as failing to comply with the ombudsman timescales in responding to them! Finally, after receiving my amended NCB proof, was I able to claim the difference I paid in premiums back from my new provider, along with the ombudsman awarding me a further £100 in compensation for their incompetence, stubbornness, laziness and their ability in inaccurately recording information. I should have also contacted the Information Commissioner's Office regarding them holding and recording information inaccurately, which I will be doing. Oh it gets better, even the £100 compensation couldn't be paid on time either! They had 4 weeks to pay this and couldn't even do that, until the ombudsman had to remind them to pay, only then did they pay this within the next 48 hours. This entire experience has been diabolical and a shambles from the moment I first initiated my complaint to the very end. I honestly believe based on how events unfolded this was purely down to employees at Darwin Insurance being useless, incompetent and stubborn right up until the very end, to the point where they couldn't even settle on time! Yet when it's the other way around I'm sure they're quick to demand payments and premiums from customers. I suggest Dexter Short (complaints agent) and the other incompetent employees involved in my complaint had Darwin Insurance take this as a steep learning curve. I mean what were you hoping for or expecting, that I'd forget all about it so you wouldn't have to settle the complaint!? A complaint from an issue that occurred in May 2024 and they only just settled the complaint in June 2025. Absolutely disgraceful!
Nikola Krajnakova rated Darwin Insurance 5 stars
3 weeks ago
I have recently renewed my premium insurance with Darwin so significantly less than other providers offered. Ryan was extremely helpful throughout the whole process, ensuring I understood everything, clearly communicated each step and answered all of my questions without hesitation. As someone who does not enjoy resulting things over the phone with customer service in general, this was very pleasant experience and I managed to get a better deal to the one I received in email.

Frequently Asked Questions About Darwin Insurance

How does Darwin Insurance handle claims and settlements?

Several reviews highlight that the claims process with Darwin Insurance can be complex, slow, and involve multiple departments. Customers have reported challenges getting updates and that settlements may not always meet market expectations. Delays or disputes may take months to resolve.

Are there fees for policy cancellation or changes?

Yes, customers have reported unexpected cancellation fees and challenges with policy cancellation after renewal, sometimes owing to system or communication issues. It is advisable to review the contract for fee structures and contact the company early for changes.

Can I manage my Darwin Insurance policy online?

Policyholders can manage their accounts and policy details through Darwin Insurance’s online portal. However, some customers have experienced system outages or disabled features during renewal periods, requiring phone or email support for resolution.

About Darwin Insurance

Insurance Services
Darwin Insurance operates in the insurance industry, offering premium auto insurance policies to individual customers. The company’s services focus on covering vehicle-related risks, claims processing, and policy management, primarily delivered through digital channels such as online account access, supplemented by staff interactions via phone and email.

Darwin Insurance’s operational model relies on an online portal for customer account management and renewals, as well as a call center for customer support. Claims are handled through digital submission and review, involving coordination with third-party providers and internal teams. Service processes include premium quotations, policy adjustments, and dispute handling mechanisms.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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Mike, Adam and another 21,516 have joined the waitlist.