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We sell a policy every two minutes ^

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Protecting customers with insurance since 2001

Updates: Coronavirus help and support and changes to our business products.

Car insurance

Award-winning car insurance

Consumer Intelligence Award for Claims Satisfaction 2021*

  • 5 Star Defaqto rated Comprehensive cover from £375 a year**
  • Submit a claim online 24/7

** 5 Star Defaqto rated 2021. Excludes optional extras. Based on 50% of new customers who purchased annual Comprehensive cover.

What's included in our car insurance cover

Comprehensive insurance

Personal accident cover

Our Personal Accident Cover provides a lump sum of £5,000 should you or your partner be involved in a life changing accident giving you or your loved ones breathing space to adjust.

Personal belongings cover

It’s all too easy to leave your valuables in the car when you’re in a rush or simply forgetful. We’ve been there and come a cropper which is why we’ll give you up to £250 to replace personal items such as your mobile phone, sat nav or a favourite jacket that have been damaged or stolen because they were left in your car.

Child car seat replacement

We know that your car is vital for getting your family out and about. That’s why we’ll replace your car seat if you've been in an accident, even if it doesn't look damaged, giving you complete peace of mind.

Wrong fuel cover

If you put the wrong fuel in your car, you’re covered. We’ll provide assistance to drain your vehicle, sort the problem and get you back on the road. Even if your engine is damaged as a result of turning on your ignition, you will be covered. Excess applies.
24/7 emergency assistance

We won’t leave you stranded after an accident. Our cover includes a 24/7 freephone helpline.

Uninsured driver promise

If you're involved in an accident with an identified uninsured driver that wasn't your fault, and you're able to provide the registration and description of the other vehicle, you'll keep your no claim bonus and you won't pay an excess.

Windscreen repair

Whether it’s an annoying chip or a worrying crack, we will repair or replace your windscreen at the side of the road or at your home address. With our windscreen cover insurance, you’ll pay just £10 towards a repair and £75 for a complete replacement.

Courtesy car
Available as standard when you use one of our recommended repairers. Excludes a write-off.

When you need cover, we keep things simple.

We offer two levels of car insurance:

Comprehensive cover

If an accident is your fault or someone else’s fault or we don't know whose fault it is. You'll be covered (exclusions and restrictions may apply). That’s cover for damage to another person’s car and your own.

Third party, fire and theft

You’re covered for damage or injury you cause to another car or person. You're also covered if your car is stolen, broken into or suffers fire or theft damage (exclusions and restrictions may apply). You’re not covered for damage to your own vehicle.

Defaqto car insurance logo

Class-leading car insurance rated by experts

Defaqto liked our fully comprehensive policy so much they gave it 5 Stars!
Start a quote

Need additional cover?

You can add to your car insurance policy by selecting extra cover options to suit your needs

Legal assistance plan

Take the worry out of unexpected legal issues. Add our plan which includes up to £100,000 legal expenses and representation cover.

    No Claim Bonus protection

    Unlike some insurers, with our optional No Claim Bonus protection we will not reduce your No Claim Bonus regardless how many claims you make! Subject to eligibility. 

    RAC Breakdown cover

    Breakdowns are stressful. They come at the worst times – leaving you stranded, and late for your day. So when your vehicle lets you down, it’s great to know you have breakdown cover which you can rely on.

    Family getting into car.

    Want low mileage, multi-car or young driver insurance?

    SMART WHEELS young driver's insurance

    Join our smart drivers earning rewards. SMART WHEELS is purpose-built for young drivers who want affordable car insurance.

    Multi-car discount insurance

    Do you have more than one car in your household that you would like to insure while saving money?

    LOW MILER low mileage insurance

    If you drive less than 7,000 miles per year our LOW MILER car insurance might be for you

    15% off for existing customers only

    Discount applied automatically. Standard conditions and minimum premiums apply. New policies only. Revoked if first policy cancelled. We may withdraw or replace offers at any time. Excludes MORE THAN SMART WHEELS and LOW MILER.

    Ready to get a quote for car insurance

    Rewards to help pay towards your next renewal

    Purchase car insurance today and you could join our exciting loyalty programme MORE THAN REWARDS. Earn cash rewards on everyday spending with brands you love - there’s no limit to how much you could save to help pay toward your next renewal!


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    Find out more

    Getting a quote couldn’t be easier

    You’ll need some information about:

    Man driving car with dog and luggage.

    Your car

    • Your car registration. Once we have this, we can find the make and model
    • A rough idea of your mileage

    About you

    • Your driving history – meaning previous claims or convictions

    Car insurance groups and how they work

    Higher performance cars with larger engines are generally considered a greater risk to insure than cars with smaller engines and therefore are placed in a higher group. There are 50 groups in total ranging from: group 1 e.g. Skoda Citigo SE – cheaper to insure, up to group 50 e.g. Bentley Flying Spur – more expensive to insure. Your car’s insurance group is not limited to but determined by:

    • The cost of your car when new
    • The cost of replacement parts, time and labour costs for your car
    • Its performance, meaning 0-60mph acceleration and top speed
    • Its safety features, e.g. test crash rating
    • Its security features, e.g. alarms, immobilisers

    Find out more about insurance groups and how they work

    Insurance costs explained

    We’ll always try to keep you in the know, particularly when it comes to rising car insurance costs. Be aware of these factors…

    Your age

    As a rule of thumb, the younger you are the less experienced you are at driving. As you get older, you become more experienced and generally your premiums go down. However, as you get much older, the chance of you being involved in an accident rises, so your premiums may rise again.

    Your car

    This is one aspect where size really does matter. Larger cars are more expensive to insure than smaller run-arounds. They can potentially cause more damage in an accident. They’re usually more attractive to thieves, and have more complicated parts that are also more costly to repair.

    Your driving history

    Every year that you drive without having an accident the policyholder will earn you a year’s no claim bonus. You’re seen as a careful driver and this helps to keep your premiums low. Plus, the holder of a clean licence is regarded as less of a risk than a person with six points for speeding.

    Cost of repairs 

    Often manufactured abroad, the price of sourcing car parts can vary due to currency fluctuations. Plus, as cars become more technological, replacing parts such as a wing mirror (now fitted with blind-spot monitoring and indicator inserts) is more costly.

    Ways to save money

    Some factors to consider…

    • Third party is not necessarily cheaper than comprehensive
    • Black box insurance is a great way for young drivers to improve their driving while earning rewards
    • A higher excess fee could help to lower your premium
    • Paying your premium annually rather than monthly can save money
    • Try to reduce your average annual mileage to reduce your level of risk
    • Consider multi-car insurance for your household
    • Don’t modify your car unless strictly necessarily

    Important information

    *Consumer Intelligence Award Winner 2021 for Claims Satisfaction. Motor insurance category. Recommended by customers. 81% of motor customers scored us 8 out of 10 or higher for Claims Service. 

    **MORE THAN data 01 Jun - 31 Dec 2020.