Apricot Insurance: most-reported complaints
Automated analysis of 283 public Trustpilot reviews published 2024-03-23 to 2026-09-18. TrustScore 4.9 from 1,177 total reviews — see the Trustpilot page. Quick answer: is Apricot Insurance legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that Apricot Insurance’s support is unhelpful or unreachable, with 4 and 2 reports respectively. Overcharging is another frequent concern, cited in 3 reviews. Other issues mentioned include general dissatisfaction and accusations of fraudulent practices. Trends for these issues cannot be established due to the low number of reviews.
How to reach Apricot Insurance
These are the contact details Apricot Insurance publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 02890 616 718, email [email protected], address Blackstaff Studios, Belfast, BT2 7GS, GB.
The company claimed its Trustpilot profile on 2024-05-20 and uses Trustpilot’s paid features. Trustpilot ranks it 41 of 167 in Insurance Broker. We last checked this profile on 2026-09-24 and found 7 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Forum footprint: 0 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count.
Elsewhere: 3.7★ on Google (82 reviews) — a 1.2-star gap between its Trustpilot and Google scores.
TrustScore over time
4.9 → 4.9 across 15 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-12 (0%, 0.0d) · 2026-08-15 (0%, 0.0d) · 2026-08-18 (0%, 0.0d) · 2026-08-21 (0%, 0.0d) · 2026-08-24 (0%, 0.0d) · 2026-08-27 (0%, 0.0d) · 2026-08-31 (0%, 0.0d) · 2026-09-03 (0%, 0.0d) · 2026-09-08 (0%, 0.0d) · 2026-09-12 (0%, 0.0d) · 2026-09-15 (0%, 0.0d) · 2026-09-18 (0%, 0.0d) · 2026-09-21 (0%, 0.0d) · 2026-09-24 (0%, 0.0d).
Ombudsman outcomes
The Financial Ombudsman Service has published 1 decisions naming this firm (too few to quote an upheld rate).
Covers decisions dated 2016-05-27 to 2016-05-27, by the acceptance-deadline date the Ombudsman publishes — not the date the complaint was decided.
Official published outcomes from the Financial Ombudsman Service, not our analysis. Uphold rates reflect the cases that reached the ombudsman, not all complaints. source.
What their policy promises
delivery promise: email
“When you obtain (or request) a quote with us, you will automatically be sent a confirmation of your quote (or confirmation of your quote request when using our offline insurance broker service) by email”
delivery promise: post, email, phone and/or SMS
“As part of our service, if you purchase a policy from us we will send you your policy documentation and/or contact you by post, email, phone and/or SMS.”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-13.
Policy-page monitoring
We monitor this company’s published policy page for changes. No changes have been detected since we started watching on 2026-09-01.
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Review provenance: 233 company-invited reviews in the recent window average 4.96★, while 47 organic (uninvited) reviews average 4.81★.
24% of its 268 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 31% of this company’s complaints vs a 28% median across 148 ranked companies in its sector.
Review velocity: 338 of this company’s 1,177 Trustpilot reviews (29%) were written in the last 12 months.
Not enough reviews to establish a trend.
What are the most common complaints about Apricot Insurance?
Support unhelpful
4 reports · 31% of complaints“They constantly hit you with charges, even if you are ahead of your payments.”
The company replied on 2024-06-21: “Hello Mr Gray. We have been trying to contact you regarding this matter. Apricot have never applied any additional charges to your policy. The letter you published in your other review was from…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“They messed up my new policy on purpose by apparently cancelling it when I specifically asked not to cancel it”
“Kept getting my address postcode wrong at least 4 phone calls to them about this very stressful.”
Overcharging
3 reports · 23% of complaints“insurance jumped from approx £750 to £4500”
“renewal price sent out was over £120 more expensive than the renewal price from a comparison website”
“I had to chase them repeatedly for my refund”
Other
2 reports · 15% of complaints“This company is a scam company most insurance companies are the biggest fraud companies”
The company replied on 2024-12-11: “Hello. We are sorry to hear that you have had a negative experience. Unfortunately I cant locate a policy for you, can you please call us on 02890 616 718 and we can investigate this matter urgently.…”
Our classifier read this reply as a template response.
“Spent 20 mins filling out form for vehicle insurance.only to be told no quotes available.complete waste my time”
Support unreachable
2 reports · 15% of complaints“I had to make 8 calls before I eventually got connected.”
The company replied on 2024-08-14: “Hello. Thank you for your feedback and please accept our apologies for the quality of the phone line. We shall have this tested today. Have we been able to resolve your reason for the call? If not…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“Absolutely impossible to get through to on the phone lines.”
Billing errors
2 reports · 15% of complaints“They constantly hit you with charges, even if you are ahead of your payments.”
The company replied on 2024-06-21: “Hello Mr Gray. We have been trying to contact you regarding this matter. Apricot have never applied any additional charges to your policy. The letter you published in your other review was from…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“They messed up my new policy on purpose by apparently cancelling it when I specifically asked not to cancel it”
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-18.