What's included in our car insurance cover
Personal accident cover
Personal belongings cover
Child car seat replacement
Wrong fuel cover
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.
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.
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:
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.
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.
Want low mileage, multi-car or young driver insurance?
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 and MORE THAN LOW MILER
Getting a quote couldn’t be easier
You’ll need some information about:
- Your car registration. Once we have this, we can find the make and model
- A rough idea of your mileage
- 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
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…
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.
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
Find out more about car insurance
*Excludes a write off. Must use a MORE THAN recommended repairer.
**5 star Defaqto rated 2020. Excludes optional extras. Based on 50% of new customers who purchased annual comprehensive cover.