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Car breakdown cover

With competitive pricing and efficient service, to help keep you on the move!

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Key features of Lifesure’s car insurance

Damaged And Stolen Car Cover

Cover if the car is damaged or stolen

Personal Belongings Insurance

Personal belongings cover up to £500

Sun Roof Repair Car Insurance

Repairs to windscreens and windows

Transport Repair Car Insurance

Cover to transport your vehicle for repairs

Replacement Keys Car Insurance

Replacement keys if yours are lost or stolen

Courtesy Car Insurance

Courtesy car provided following an accident

Why choose Lifesure for car insurance?

As a family-owned, UK based insurance broker, we believe in putting our customers at the heart of all we do and have been for more than 50 years!

Many of our customers tell us our car insurance offers everything they need, with competitive prices and our excellent customer service being just what they were looking for. In fact, that’s why we received the Feefo Platinum Trusted Service Award for the fourth year running!

Our award-winning team of advisors are always happy to help and can be contacted on 01480 402 460 to provide a new quotation or assist with any changes to an existing policy. And we also offer MyLifesure, an online customer portal providing instant access to your policy details and documents. From here you can send us secure messages. It’s a simple tool that makes a huge difference to our customers.

What does Lifesure’s car insurance cover?

Take a look at how we could protect your car with our handy summary below. Remember that no policy protects you against every scenario and it’s best to also read our policy documents to understand the conditions and exclusions that apply. For other insurer policies, we recommend you read their policy documents to clarify what is and is not included in the cover.

What's covered

  • Your vehicle is covered if damaged, stolen or taken without your permission
  • Up to £500 for personal belongings in your car
  • Replacement keys should yours be lost or stolen
  • A small courtesy car will be provided following an accident
  • Cover for any one event of damage to your windscreen, windows or sun roof
  • If you need emergency accommodation following an accident we will pay up to £500 for your reasonable and necessary accommodation expenses
  • We will not reduce your No Claims Discount if you make a claim for vandalism away from your usual place of residence or work (exclusive to our own product)
  • Like-for-like cover provided for up to 90 days while travelling in the EU (exclusive to our own product)

What's not covered

  • Cover for imported cars – we have imported policies should your car fall into one of these groups. Find out more
  • 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
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

  • Key cover Provides cover for the costs to repair or replace keys 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 recovery and at home assistance in the UK provided by the RAC.

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

Learn more about policy enhancements

Our Key Cover policy enables you to get back on the road with ease. See what's in the locksmith's van and how quickly you could be on the move!

You can also add Motor Legal Expenses and Substitute Vehicle cover to your existing motor insurance policy.

Full car policy information

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Motor insurance (renewal on/after 01.01.23)
PDF 483.01 KB
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Motor Insurance (renewal on/after 01.01.22)
PDF 457.67 KB
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Key cover insurance (renewal on/after 01.01.24)
PDF 317 KB
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Key cover insurance (renewal on/before 31.12.23)
PDF 222.18 KB
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Accidental death and personal accident insurance (renewal on/after 01.01.24)
PDF 427.61 KB
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Accidental death and personal accident insurance (renewal on/before 31.12.23)
PDF 427.6 KB
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Vehicle excess reimbursement insurance (renewal on/after 01.01.24)
PDF 744.26 KB
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Vehicle excess reimbursement insurance (renewal on/before 31.12.23)
PDF 374.49 KB
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Substitute vehicle and motor legal policy insurance (renewal on/after 01.01.24)
PDF 228.39 KB
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Substitute vehicle and motor legal policy insurance (renewal on/before 31.12.23)
PDF 197.7 KB
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Lifesure RAC car breakdown policy
PDF 767.58 KB

Your payment options

We believe in making insurance straight forward and easy for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments, debit card, credit card, BACS or bank transfer.

We advise our customers to prioritise the right level of protection for their car over price. Spreading the cost of your insurance can help make the cost more manageable, which is why we partner with Close Brothers Premium Finance to enable you to pay in regular instalments.

If you decide to pay by premium finance, the set-up process couldn't be easier as we arrange all of this while processing your policy. The credit agreement will be between yourself and Close Brothers Premium Finance and you will make regular instalments by Direct Debit to them to repay the cost of your insurance premium, plus interest and any charges, which we’ll let you know about in advance.

Flexible payment dates, online account management and simple credit agreement renewal make it easy to have the best protection possible.

Ways to pay

Find other insurances

Did you know that we offer a whole host of everyday and leisure insurances, all under one roof? From home insurance to breakdown cover, we’ve brought together a collection of feature packed policies, so shopping around for what you need is that little bit easier.

Our experienced advisors will be able to talk to you about all of your policies in one conversation, so you can spend your time doing more of the things you really enjoy! Take a look at the other insurance covers we can provide.

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