Our 5 Star Defaqto Rated comprehensive car insurance not only covers any damage done to a third party in an accident that was your fault, but any damage to your car and other drivers as well. It will also protect you in a situation where fault cannot be proven, e.g. your car is hit in a car park and the other driver has left the scene. Fire and theft is also covered and we can keep you moving after an accident with a courtesy car while your car is with one of our recommended repairers (excludes a write-off).
Why choose our cover?
You can expect the following as standard:
24/7 emergency assistance
We won’t leave you stranded after an accident. Our comprehensive cover includes a 24/7 freephone helpline.
Courtesy car
Available with our comprehensive cover as standard when you use one of our recommended repairers. Excludes a write-off.
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.
Comprehensive cover only.
5 star Defaqto rated comprehensive cover
Our 5 Star Defaqto Rated comprehensive car insurance covers accidental damage caused to your car. It also covers any damage you cause to other vehicles and injury to drivers involved in the accident. Fire or theft is also covered.
What level of cover do I need?
Here are the differences between our car insurance cover levels...
Comprehensive car insurance
Third Party, Fire & Theft car insurance
Third Party, Fire & theft car insurance covers you for any damage made to a third party due to an accident, as well as damage caused by a fire or theft.
With our Third Party, Fire & Theft car insurance you'll be covered for damage or injury you cause to another vehicle and/or its driver. Loss of or damage to your car through fire or theft is also covered. But it doesn't cover your own vehicle if it's damaged in an accident.
Rewards that reduce your 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 for your next renewal!
Excludes MORE THAN SMART WHEELS.
Find out more
What's included in my car insurance cover?
Here are some of the benefits you can expect with our comprehensive car 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.
In-car entertainment
From music and phones, to sat navs and DVD players, we’ll cover the in-car entertainment you’ve added to your car post purchase (limits apply).
Windscreen repair
Whether it’s an annoying chip or a worrying crack, we’ll repair or replace your windscreen at the side of the road or at your home address, whichever is more convenient for you. You’ll pay just £10 towards a repair and £75 for a complete replacement.
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.
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.
Emergency care benefit
We’ll contribute up to £200 for medical expenses and £1000 for replacement locks. We'll also contribute towards emergency accommodation (amount dependent on your policy), providing some much needed reassurance in an emergency situation.
Looking for multi-car discounts?
As an existing customer, we'll give 15% off any additional cars you or anyone in your household insure with us. Find out more about the benefits available to existing MORE THAN customers.
(Excludes MORE THAN SMART WHEELS and price for protected NCB. Standard conditions and minimum premiums apply. Discount applies to new policies. We may withdraw or replace offers at any time. Discount revoked if first policy cancelled).
What is car insurance?
Why do I need it?
Our car insurance keeps you on the road – whether you need comprehensive cover, third party, fire and theft or have multiple cars you need to insure, we can help. Comprehensive car insurance gives you complete peace of mind, covering you whether an accident is your fault or not. You can add to your policy by selecting extra cover such as breakdown and legal assistance. Have a teenager looking to learn how to drive? We can help with that too with SMART WHEELS, our black box technology car insurance for new drivers.
Wondering how much car insurance costs? Unlike other insurance, it is a legal requirement to take out car insurance and the price can vary significantly depending on your circumstances. Factors such as the level of cover you choose, your claims history and how frequently you use your car are all taken into account. To get an accurate price and the cover you need, complete an online quote now.
Need additional cover?
You can add to your car insurance policy by selecting extra cover options to suit your needs:
Guaranteed No Claim Bonus
Although we make it as easy as possible, making a claim can still be stressful, especially if you’re concerned about losing your No Claim Bonus. We’re determined to take the worry out of claiming which is why you have the option to protect your No Claim Bonus. Not only that, we won’t reduce it even if you make multiple claims.
Legal Assistance Plan
If you’ve been injured in an accident, you don’t need the worry of court costs added to your plate. Our Legal Assistance plan provides up to £100,000 towards legal expenses to assist with the recovery of any uninsured losses if, for example, you’re unable to work due to injury. We’ll also give you access to a whole library of legal document templates, plus you can speak to our legal team 24/7 for advice and guidance.
Breakdown cover
We have four levels of breakdown cover to choose from, with all levels including assistance for keys, fuel or battery problems and breakdown assistance. Other levels include UK and Europe breakdown cover, garage recovery (within 10 miles) and cover if you breakdown at home.
Looking for something else?
Manage your policy, make a claim and find out more about the discounts and benefits available to our existing customers:
Existing customers
Manage your account online
Cancel my policy
Find out how here
Customer benefits
Find out more
Need to check your policy details?
Your policy number will begin with either RSAP or MCAR. Choose the right option below to manage your policy and download the policy wording or insurance product information document’:
Need help?
Changes & updates
Changing your personal or policy details, including changing your car.
Claims
Making or tracking a car insurance claim.
SM>RT WHEELS
Our telematics insurance for young drivers.
Payments
Paying for your car insurance, changing your payment type or amending your payment date.
Policies & cover
Your cover options, exclusions and excess limits.
Policy documents & No Claim Bonus
Your policy documents and how to access them, including your proof of No Claim Bonus (NCB).
Renewals and cancellations
The renewals process, and how to cancel your policy.
Useful contacts
How to contact us and where to send your documents.