Car Subscriptions are becoming an increasingly popular way to access a vehicle on a month-to-month basis without the long-term commitments. But when comparing providers, one of the most common questions we hear is?
👉 “Does a car subscription include insurance and maintenance?”
The answer is: it depends on the provider.
In this article, we’ll break down how different companies handle insurance and maintenance – an explain why Cocoon Vehicles believes in offering choice and transparency rather than bundling everything together.
Understanding Car Subscriptions
A car subscription is a flexible alternative to leasing or buying a vehicle outright. You pay a monthly fee and in return, you get access to a car that usually includes the following motoring essentials:
- Vehicle Rental
- Road Tax
- Breakdown Assistance
- Manufacturers Warranty
- Servicing & Maintenance
Some vehicle subscription providers also include insurance, but not all. And that’s where things start to differ.
Do Car Subscriptions Include Insurance?
Many car subscription companies promote “all-inclusive” packages that include insurance, but these often come with limitations or higher costs.
Here’s why:
The insurance is typically grouped under the provider’s fleet policy, which can limit driver eligibility and increase premiums.
Policies often have age restrictions (e.g. 25–70 years old).
Drivers may be penalised for minor claims or lose their personal No Claims Bonus.
Some policies come with high excess amounts or limited flexibility.
At Cocoon Vehicles, we’ve taken a different approach.
Why Cocoon Vehicles Doesn’t Include Insurance
Unlike some “all-in” subscription providers, Cocoon does not bundle insurance in our car subscription packages – and we believe this offers better value and flexibility for you.
Here’s why our customers prefer it:
- You’re in control of your cover: Use your existing fully comprehensive policy or take out a new one – Tailored to your needs.
- Transferable and Flexible: You can often transfer your insurance from a previous vehicle with minimal hassle.
- Keep your No Claims Bonus: Since you remain the policyholder, you keep building your NCB.
- Lower costs for careful drivers: Personal insurance often costs less than fleet insurance, especially for those with clean records.
At Cocoon, we focus on giving you the best value and clarity, rather than forcing you to pay for services that might not suit your circumstances.
What about Maintenance?
When it comes to vehicle maintenance, that’s where Cocoon’s subscription really shines.
We include maintenance and servicing on the majority of our subscription vehicles — meaning you don’t have to worry about unexpected repair bills.
This typically covers:
Routine servicing
Wear-and-tear items (e.g. tyres and brakes)
Mechanical repairs due to normal use
Manufacturer warranty and roadside assistance
You can learn more about what’s included in Cocoon’s maintenance offering here:
How Does Cocoon Compare to “All-Inclusive” Providers?
Feature | Cocoon Vehicles | All-Inclusive Subscription Providers |
|---|---|---|
Insurance | Use your own fully comp policy | Included (fleet insurance) |
Maintenance | Included on most vehicles | Usually included |
Flexibility | Short-term and monthly options | Typically 3–12 months |
No Claims Bonus | You retain it | Often not applicable |
Driver Eligibility | Your insurer’s criteria | Restricted by provider policy |
Costs | Transparent, customisable | Often higher due to bundled cover |
Why This Approach Works Better for Many Drivers
While an “all-inclusive” package sounds convenient, it’s not always the best financial choice.
By using your own insurance, you:
Stay in control of your premiums and policy.
Choose your insurer, excess level, and additional cover options.
Keep the flexibility to switch insurers if you find a better deal.
Cocoon’s transparent approach ensures you only pay for what you actually need, keeping monthly costs lower and ensuring you get the best cover for your situation.
More Information
When you’re comparing car subscription services, always look beyond the marketing “all-inclusive.”
At Cocoon Vehicles, we focus on value, flexibility and choice. That means:
- You can use your own fully comprehensive insurance policy – keep your No Claims Bonus and control over your cover.
- You’ll enjoy maintenance and servicing included on most of your vehicles.
- You can choose from short-term car leases or flexible car subscriptions, changing cars more often.
If you would like more information on the car subscriptions we offer here at Cocoon Vehicles, please speak to the team on 01332 290173 or use the ENQUIRY FORM to request details.
Don’t forget that we also offer a range of specialist services, including:
