Car Insurance

Built with you in mind.

We do things a little differently, so include extras you may expect to pay for from other insurers.

  • We pay out on 99% of Car Insurance claims.

    Based on settled claims January 2018 - January 2024, excluding claims not pursued by the customer.

    We pay out on 99% of Car Insurance claims.

    Based on settled claims January 2018 - January 2024, excluding claims not pursued by the customer.

  • Our Car Insurance is rated 5 Star by Defaqto.

    Our Car Insurance is rated 5 Star by Defaqto.

  • We're a Which? Recommended Provider for Car Insurance.

    We're a Which? Recommended Provider for Car Insurance.

Insurance overview

Our Car Insurance is designed to look after you and your car.

You and your No Claims Discount are protected if you're hit by an uninsured driver, you won't pay any excess*, and any legal costs will be covered up to £100,000 thanks to Motor Legal Protection.

If your car requires repairs following an accident we’ll provide a small courtesy car in the UK while they are being carried out by our approved repairers or up to 14 days if written off or stolen.

We’re so committed to keeping you on the road that we also include Mutual Assist breakdown cover from the RAC**.

What's included:

  • New car replacement - if you purchase a UK model from new and it’s less than two years old when it’s stolen or written off. A whole year longer than many other insurers.
  • Replacement of keys if they are lost or stolen.
  • Small courtesy car in the UK for the duration of repairs carried out by our approved repairers; or up to 14 days if yours is written off or stolen.
  • No Claims Discount protected if you’re hit by an uninsured driver and no excess to pay.*
  • Mutual Assist breakdown cover provided by the RAC.**
  • Motor Legal Protection - giving you access to legal advice and covering legal costs up to £100,000.
  • Windscreen replacement, including recalibration of ADAS if needed, with no reduction in no claims discount.
  • Guarantee on repairs carried out by approved repairers.
  • Personal effects up to £250.
  • Theft or damage to child car seats.
  • The same level of cover while driving in most European countries.

What isn't included:

  • Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
  • Breakdowns outside the UK, within ¼ mile from home or recovery distance greater than 20 miles.
  • Loss of value over time, damage to tyres and wear and tear.
  • Any smartphone or mobile phone used as or host to any digital key or similar application to control the car.
  • Loss or damage caused by a cyber act, including any software failure or the vehicle computer system not functioning as designed.
  • Personal possessions not kept in a locked vehicle, boot or glove compartment.
  • Cash, tickets, stamps and cheques.

*You must advise us of the uninsured driver’s details, make, model and registration of the vehicle and details of any independent witnesses. We will deduct excesses and reduce no claims discount until satisfied the uninsured driver is at fault.

**Excludes motorhomes, campervans and any vehicle with a gross weight of 3500kg or over or a length greater than 6.4 metres.

The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. You can find further information in the Important documents section.

Compare our cover

You won't find us on price comparison websites. We believe that by talking to you about what you need we can help you to make sure you have the right level of cover in place.

You can compare our Car Insurance against other providers using Defaqto's Car Insurance Comparison Tool.

Why choose us?

Why choose us?

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

    Spread the cost

    We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

  • No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

    No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

Frequently asked questions

What's next?

Take out a new policy

Ready to buy your Car Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your Car Insurance policy.

Claims

Notify us of a new Car Insurance claim or speak to us about a claim that is in progress.