About the policy

Specialists in insurance since 1971, you can trust us to know the ins-and-outs of protecting your car. Offering products by leading insurers from Ageas and AXA to Zenith and Zurich1, as well as our own car policy that’s underwritten at Lloyd’s, we’re committed to finding you competitive cover that suits your needs.

We also provide specialist car insurance for grey imports, convicted drivers, vans and fleets (both commercial and family). Simply click on the links to visit those pages or give us a call to find out more.

UK motorists are required by law to have valid car insurance and third-party cover is the minimum. But for full peace of mind, comprehensive insurance covers injury to others, theft and vandalism, as well as damage to your vehicle for those bumps and scrapes.

1We aim to partner with insurers who have at least an A rating. A-rated insurers are independently assessed as financially stable with the means to pay should you have a claim.

What does our car insurance cover?

Whether you’ve one car or more, a treasured import or a sporty SUV, a sleek saloon or a family run-around, we’ll take time to find out what you need, search our panel of approved insurers for the best options, and explain the differences between the policies we recommend.

We’re not against price comparison websites but we know that price isn’t the only thing that matters when it comes to car insurance. There are other deciding factors: customer care and feedback, the claims service, the type and amount of cover, broker reputation and insurer rating, to name just a few.

When choosing a policy, it’s important to know what’s included and excluded. Our summary below provides information on our own car product, which is underwritten at Lloyd’s. No policy protects you against every scenario and it’s best to read our policy documents to understand the conditions and exclusions that apply.

What's covered

  • If you need emergency accommodation following an accident, we will pay up to £500 for your reasonable and necessary accommodation expenses
  • Like-for-like cover provided for up to 90 days while travelling in the European Union
  • Up to £500 for personal belongings in your car which increases to £1,000 around Christmas (1st December to 5th January inclusive)
  • Cover for child car seats
  • We will not reduce your No Claims Discount if you make a claim for vandalism away from your usual place of residence or work

What's not covered

  • Cover for imported cars or classic cars – we have specialist policies should your car fall into one of these groups
  • If you use your car for hire or reward
  • Loss or damage to any caravans or trailers
  • Damage to tyres from braking or road punctures

Policy enhancements

  • Key cover - provides cover for the costs to repair or replace keys attached to the fob we send you in the event of damage, theft or loss
  • Accidental death & personal accident - provides a benefit payment for death or certain bodily injuries while driving or travelling in the insured vehicle
  • Vehicle excess protection -we will reimburse you for the excess on your vehicle insurance policy following a claim on your vehicle insurance
  • Substitute vehicle and legal expenses - provides cover for the recovery of uninsured losses and motoring prosecution defence. If your insured vehicle is undriveable or has been written off as a result of an incident which is insured by your motor insurance policy, we will arrange to supply you a substitute vehicle
  • Motor breakdown (UK) - roadside assistance and recovery when your vehicle breaks down in the UK

Policy documents

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Motor insurance (purchased on/after 01.01.20)
PDF 482.59 KB
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Motor insurance (purchased on/after 01.12.19)
PDF 451.39 KB
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Motor insurance
PDF 442.64 KB
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Motor breakdown insurance
PDF 195.32 KB
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Key cover insurance (purchased on/after 01.04.20)
PDF 245.69 KB
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Key cover insurance
PDF 152.97 KB
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Substitute vehicle and motor legal policy insurance (purchased on/after 01.04.20)
PDF 197.7 KB
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Substitute vehicle and legal expenses insurance
PDF 161.19 KB
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Vehicle excess reimbursement insurance
PDF 404.77 KB
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Accidental death and personal accident (purchased 01.04.20 - 01.05.20)
PDF 389.95 KB
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Accidental death and personal accident
PDF 427.6 KB
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Specialist motor insurance
PDF 612.88 KB


Your policy documents include important information about how to make a claim. Your claim will be managed by our insurance partner who is committed to providing an outstanding service when you need it most.

As an independent, family-owned business, giving you good old-fashioned customer care is important to us. Should you experience any difficulty progressing your claim, we’ll also be on hand to help.

What are your finance options?

Choosing the right protection for your car is important. Spreading the cost of your insurance can help make it more affordable.

Premium finance options allow you to pay in regular instalments. With flexible payment dates and online account management, credit agreements are also easy to renew, ensuring you’re always protected.

Close Brothers Premium Finance, our award-winning finance partner3, has been making it easier for people across the UK and Ireland to manage their money for over 40 years.

We believe in making insurance straight-forward and easy. When it comes to pay, you can choose from several options, please click here for details.

3Insurance Choice Awards Winner 2018. Insurance vendor of the year

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