Comprehensive car insurance

What we cover


Our Defaqto 5 Star Rated car insurance provides you with a wide range of benefits as standard including:

Our Cover
  1. Use of a courtesy car (small vehicle with manual gearbox) when using our approved repairer network
  2. Comprehensive cover for up to 90 days when you're driving in the EU
  3. Uninsured driver protection - no loss to no claims bonus and no excess to pay
  4. Windscreen repair or replacement*
  5. A lifetime guarantee on workmanship when using one of our approved repairers
  6. Cover up to £1,000 for replacement locks, if your keys are lost or stolen
  7. If your car isn't roadworthy after an accident, and you can't complete your journey, we'll reimburse up to £50 per person for onward travel or overnight accommodation.

* Excesses are applicable when making a claim.

Terms and conditions apply, as detailed in your Car Insurance Policy Document.

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Who we coverFootnote

Our car insurance is designed to cover customers who are:

  1. Looking for comprehensive car insurance
  2. Aged between 17 and 85
  3. A permanent UK resident
  4. Currently holding a full UK driving licence (including restricted licences), provisional or EU licence
  5. Keeping their car at their home address
  6. Wanting to insure themselves and no more than 3 named drivers

Footnote Terms and conditions apply, as detailed in your Car Insurance Policy Document.

Additional Products

Breakdown Cover

Provided in partnership with the RAC, our Breakdown Cover means that a breakdown doesn’t have to mean the end of your journey

Replacement Car

If your car is written off, or stolen and not recovered, Replacement Car Cover will keep you on the road for up to 21 days.

Motor Legal Protection

If you’re in an accident that wasn’t your fault, you shouldn’t be left out of pocket – Motor Legal Protection Cover helps you recover uninsured costs 

Help, I'm stuck!

Click here to see our list of FAQ’s

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Click here to see our list of FAQ’s

Or call us on: 03300 240 123

Great Cover

Our cover is rated 5 Star which means you get an excellent product with a comprehensive range of features and benefits

Great Service

ICS Servicemark

We've been awarded the ICS Service Mark for our motor claims service, which recognises our commitment to and achievement in providing great customer service

Safe and Secure


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We have a number of checks to ensure we're only offering cover to honest customers, so we can maintain low premiums

Policy documents

View our policy documents for more information about what we cover.

These documents are relevant to all policies taken out after 9th February 2016. If your policy was purchased earlier than this please visit the My Account area for your most up to date documents.