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Your Moja car insurance

Where does my money go?

  • Claims costs. 60-90%1 of your premium covers accidents or losses, which means your insurance will be there when you need it most. If you claim this year, your price may be higher next year. Between October and December 2025, insurers paid out £2.9 billion in claims2. All insurers pay a levy to the Motor Insurers Bureau (MIB) to cover uninsured driver claims, which went up 53%3.
  • Risk-based pricing. Our calculations consider factors like your car’s value and your driving experience.
  • Taxes and operating costs. 12% of your premium goes to government-set Insurance Premium Tax (IPT). Other costs include paying our lovely employees, admin, and overheads, like office space.

1 Data relates to personal motor insurance claims underwritten by AXA Insurance UK plc from to

2 From the ABI (Association of British Insurers)

3 Motor Insurance Claims Analysis - Financial Conduct Authority (FCA)

Why do prices go up?

  • Raised inflation in the UK4 has increased the costs of parts and labour5. This means the money we have set aside for claims must go even further.
  • Rising repair costs. From January to March 2025, repair costs rose by £100 million6. Inflation affects garages that repair your car after an accident, too.
  • Accidents and crime. Even if you’re the best driver, there’s always the risk of someone crashing into or stealing your car. Insurance prices consider local crime and accident rates – so if either go up or down, your price could too.

4 UK inflation hits highest rate for almost a year and a half - BBC News .

5 Your car repair costs are set to soar even HIGHER in 2025, motoring experts warn - This is Money.

6 Motor claims hit record £11.7 billion in 2024 - The Association of British Insurers.

Which policy changes can affect my price?

There are lots of things that can change your price (even changing your job), but here are the most common ones:

  • Changing your car: Upgrading to a slick new model? You may pay more for insurance. We’ll consider how likely the car is to be stolen, the size of the engine, and potential repair costs, too.
  • Changing your address: If you move home, the area your new digs are in could affect your price. If there’s an average higher number of claims in your postcode area, your policy cost could go up. Some things we’d consider are:
    • The number of accidents in the area
    • How much traffic is typically on nearby roads
    • The number of local whiplash or personal injury claims
    • The amount of crime and vandalism reported nearby
  • Convictions: You need to let us know if you’ve had any convictions when you take out your insurance. If you don’t, your insurance could be invalid, which means we may not pay for any claims. We’ll also need to be told as soon as possible if you’ve got a new non-motoring conviction or driving ban. A motoring offence could increase your policy cost, but only until it’s spent. We don’t need to know about spent convictions.

What do I get from my Moja car insurance?

  • Simplicity: no fuss and no faff. And jargon? Jog on! We want insurance that’s easy to understand, thanks.
  • Fairness. We’re haggle-free – you’ll get our best renewal price, first time, every time – easy! Plus, there’s no admin fees for online changes.
  • Help on your mobile. Do what you need online and we’re here when you need us with a 24/7 emergency claims line.
  • Comprehensive cover, including a courtesy car and our uninsured driver promise.