Car insurance is designed to protect you if your car is stolen, damaged, or in an accident.
You can choose from Third Party Only, Third Party Fire and Theft, and four tiers of comprehensive car insurance.
At the very least, your car insurance will cover you for the damage you may cause to someone else’s vehicle. This is the most basic level of cover which is required by law for all drivers.
Depending on the type of cover you have, you could also be entitled to features like a 24-hour emergency helpline, a courtesy car if yours is out of action, or personal injury cover if you’re in an accident.
We offer three main levels of car insurance options that cover you for accident and damage costs.
This is the highest level of insurance you can buy. It includes third party, fire & theft and covers the cost of repairing or replacing your car if it's involved in an accident or damaged maliciously. Excluding Essential tier, it comes with extra benefits like windscreen cover and extended cover for driving outside the UK.
As well as paying out to a third party if you're involved in an incident, this level of cover protects your car from damage caused by fire or theft. However, it doesn't cover the cost if your car's damaged in another way, such as a crash.
This is the most basic level of cover required by law. If you're involved in an accident, we'll pay out the other driver involved but you won't be able to claim for damage to your car.
To help you choose the right level of cover, look at how they compare below.
Motor Legal Protection |
Optional | Optional | ||
---|---|---|---|---|
Roadside Breakdown Cover |
Optional | Optional | Optional | |
Courtesy Car |
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Uninsured Driver Promise |
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£5,000 Personal Injury Cover |
||||
24hr Emergency Helpline |
||||
Replacement Lock (up to £500) |
||||
Child Car Seat |
||||
Personal Belongings |
Up to £300* |
Up to £300* |
Up to £200* |
|
Windscreen cover |
||||
New Car Replacement (Subject to criteria) |
||||
Driving Other Cars (Conditional) |
||||
European Cover for up to 90 days |
||||
Aftermarket Audio Gear |
||||
Onward Travel (Up to £150) |
Third party, Fire
|
Third Party
|
|
---|---|---|
Motor Legal Protection |
Optional | Optional |
Roadside Breakdown Cover |
Optional | Optional |
Courtesy Car |
||
Uninsured Driver Promise |
||
£5,000 Personal Injury Cover |
||
24hr Emergency Helpline |
||
Replacement Lock (up to £500) |
||
Child Car Seat |
||
Personal Belongings |
||
Windscreen cover |
Optional | Optional |
New Car Replacement (Subject to criteria) |
||
Driving Other Cars (Conditional) |
||
European Cover for up to 90 days |
||
Aftermarket Audio Gear |
||
Onward Travel (Up to £150) |
*Personal belongings cover increased to £500 for campervans
If you’re not sure what some of our car insurance terms mean, check out our car insurance jargon buster.
Unlimited UK roadside recoveries – 24/7, 365 days a year
Help when you're injured, even if you’re in someone else's car
We'll keep you on the road with a hire car if yours is written off or stolen
If you're in an accident that's not your fault, this cover will help with legal costs
Find out more about our optional add-ons designed to tailor your car insurance to you.
More about Car Insurance optional add-onsBundle your car insurance, get the best cover, and get a MultiCar discount.
MultiCar InsuranceThe smart way for drivers to get a great deal on car insurance.
LittleBox InsuranceGet the right cover for your electric car or hybrid.
To insure your car effortlessly, make sure you have the following:
Check what you're covered for, and the excess you'll need to pay
Have your policy number and details of the incident ready
Visit our make a claim page or log into MyAccount to make your claim
If you have any questions about the claims process, head to our FAQ page below.
Claims FAQsWe use multiple factors to calculate car insurance prices. We constantly check the prices we charge to offer you the best car insurance premium, but prices also fluctuate depending on the market. Here are a few factors:
We care what our customers have to say about us.