What our car insurance covers


We know how frustrating it is to be without a car.

That’s why our insurance is designed to keep you moving if things go wrong.
defaqto five star car insurance 2017

Comprehensive cover

Our 5 Star Defaqto Rated 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. We can also keep you moving after an accident with a courtesy car while your car is repaired by one of our recommended repairers (excludes a write-off).

person with screwdriver breaking into car

Third Party, Fire & 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.

We also offer the following benefits for our customers:
24/7 emergency assistance

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

Courtesy car

Available with our comprehensive cover as standard when you use one of our recommended repairers.

Uninsured driver promise

If you're involved in an accident that wasn't your fault with an identified uninsured driver, you won't lose your no claims bonus and won't pay an excess. 

An award-winning claims service

Customers voted us a Best Claims 2016 Winner, awarded by Consumer Intelligence.

5 Star Defaqto Rated cover from £178 a year

Excludes optional extras. Based on 10% of new customers. Includes applicable discounts. MORE TH>N data April 16 - September 16.

With our car insurance you can also get:
three cars parked on driveway

A discount for more cars

As an existing customer, we'll give 15% off any additional cars you or anyone in your household insure with us. (Excludes MORE TH>N SM>RT 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.)

silver car parked on the street

Recommended repairer network

When you use our network of recommended repairers our comprehensive cover will include a courtesy car as standard and you'll benefit from a lifetime guarantee on all repairs (excludes a write-off).

What other cover options are available?

For added peace of mind when you're out and about, you can add extra cover to your policy.
white car on a country road

Breakdown cover

You can add breakdown cover to your car insurance which is provided by the RAC. They've been helping drivers across the UK for over 100 years. There are 4 cover levels to choose from.

car stuck on hill in icy conditions

Legal assistance plan

You have the option to add our legal assistance plan with our car insurance. It provides up to £100,000 of legal expenses, legal representation and access to over 150 legal documents such as wills and tenancy agreements - all of which will be reviewed by a solicitor. Take the worry out of the unexpected.

Need to check your policy details?

You can download the policy wording and summary documents below:

Frequently asked questions

Looking for another car insurance page?

BUILD: MASTER