Car insurance

Comprehensive and flexible car insurance

car crash
Up to £10,000 personal accident cover
brief case
£250 personal effects cover
Courtesy car available from approved repairers
European cover for up to 60 days

These benefits are only available under Comprehensive cover.

Car insurance product comparison

Key benefits:

Car Solutions 2

Car Solutions 2 Plus

Car insurance 2

Comprehensive cover available

Uninsured loss recovery included

Legal expenses cover included

24-hour UK breakdown assistance and recovery

Business use considered

Optional additional breakdown covers
  • Homecall
  • European breakdown/accident assistance
  • European breakdown/accident assistance

For Car Solutions 2 and Car Solutions 2 Plus, not all benefits are included unless Comprehensive cover is taken out.


Competitions and Markets Authority – No Claims Discounts 

The Competition and Markets Authority (CMA) Private Motor Insurance Market Investigation Order 2015 aims to explain no claims discount protection and how it works in order for your customers to make an informed decision when purchasing car insurance. 

All customers receiving a quote for, or accepting an offer of no claims discount protection will receive a no claims discount schedule at quote and point of sale, which includes the following:

  • Prescribed statements explaining how no claims discount protection works
  • The number of no claims discount years that have been included in the offer/acceptance
  • The price of no claims discount protection
  • The average percentage discount offered to customers for each level of no claims discount granted 
  • Step back formula showing the effect of any claims on the customer's no claims discount level both with and without no claims discount protection           
  • We have updated our front end systems and documentation suites to ensure compliance to the order. You are expected to provide this information verbally when discussing no claims discount protection with your customers. 

In addition to the information issued to the customer, insurer’s and brokers have to issue a compliance statement to the Competition and Markets Authority (CMA) to confirm compliance with the order on an annual basis, this statement is due by 1 February 2020. The CMA will be monitoring compliance to ensure that consumers benefit fully from the order’s provisions.

In order to issue the compliance statement you are required to obtain the average discounts, which can be accessed in the below.

Car Solutions

NCD Years % Discount
0 year 0%
1 year 26%
2 years 35%
3 years 45%
4 years 47%
5 years 49%
6 years 50%
7 years 52%
8 years 53%
9+ years 54%

Need your risk details electronically?

Our Full Cycle EDI guides can help.

Still have some questions?

Perhaps our FAQs page can help.