Comprehensive cover you can trust
Why it pays to drive well with Vitality car insurance
You're a good driver. It's time to get something back from your car insurance.
Up to 25% cashback every month
Get money back by driving well or having a car-free day. Get started with our special offer.
5 Star Defaqto-rated cover
Get comprehensive cover from £188*
Up to £250 off your excess
By driving well you can reduce the excess you pay when you make a claim, by up to £250.
*10% of customers paid £188 or less between 1 January and 22 March 2022. Excludes optional extras.
Members get more - don't miss out
Already a Vitality Healthy Living member? Get your exclusive offer when you purchase a car insurance plan:
✓ We guarantee to beat your renewal quote
✓ Plus you'll get an Amazon.co.uk Gift Card worth at least £50*
How to earn rewards for good driving
Our app and sensor work like a smartwatch for your car. Use them to earn rewards in 3 easy steps.
Download the app and attach our driving sensor to your windscreen
Drive well or have a car-free day
Earn great rewards including up to 25% cashback, money off your excess and more.
Sound good to you? Find out more about our rewards.
What's in our 5 Star cover?
You get fully comprehensive insurance with Vitality. Whatever's around the corner, we've got you covered.
Repairs are guaranteed
Our approved repairer will guarantee their work for as long as you own your car.
Uninsured driver protection
If you’re involved in an accident that’s not your fault and the person responsible for the accident is not insured, your NCD won’t be affected, and you won't have to pay your excess.
We'll repair or replace any damaged windscreens or windows.
If you're keys are lost or stolen, you'll get cover up to £1,000 to replace them.
90 days EU cover
Comprehensive insurance cover for up to 90 days when driving your car abroad in the EU.
If you get stuck, you'll get up to £500 towards travel or hotel costs to finish your journey.
See what else we cover
✓ Cover for your belongings
✓ Legal liability to others
✓ New car replacement cover
✓ Medical expenses
✓ Unlimited cover for audio and sat nav equipment
Add extras to your cover
Need a few more things that work for you?
Drive well. Save money. Help the planet.
When you drive well, we'll offset up to 100% of your carbon emissions. Plus, we'll also reward you for car-free days.
Car insurance FAQs
Who is Vitality car insurance for?
Our car insurance is for car drivers who want comprehensive cover.
You can insure yourself and up to three other named drivers if you're:
- aged between 18 and 85 years old from the cover start date;
- are a permanent UK resident;
- keep your car at your home address overnight, and
- have a full UK, provisional or EU driving licence. This includes restricted licenses.
We don't offer multi-car insurance, but we can insure each car from the same household on a separate plan.
We cannot cover drivers who live in Northern Ireland. We also don't offer third party or third party, fire and theft cover.
What car insurance documents do you provide?
- Car insurance plan document (PDF, 322KB)
- Car insurance plan IPID (PDF, 395KB)
- About our insurance services (PDF, 75KB)
- Motor Legal Protection Cover (PDF, 128KB)
- Motor Legal Protection Cover IPID (PDF, 329KB)
- Breakdown Cover (PDF, 220KB)
- Breakdown Cover IPID - Roadside (PDF, 326KB)
- Breakdown Cover IPID - Roadside & Recovery (PDF, 329KB)
- Breakdown Cover IPID - Roadside, Recovery & At Home (PDF, 329KB)
- Breakdown Cover IPID - Roadside, Recovery, At Home & European Motoring Assistance (PDF, 395KB)
- Replacement Car Cover (PDF, 103KB)
- Replacement Car Cover IPID (PDF, 322KB)
How will you measure and reward my driving?
When you buy a car insurance plan, we'll send you a Good Driving sensor. Once linked to the Vitality Member app, you'll be able to measure your driving behaviour for:
- Distracted Driving, and
The sensor also has an Impact Alert so we know if you've been in an accident. Find out more about how we take care of your driving data in our Privacy Notice.
How can I get cashback on my premium?
Until 30 June 2022 you can get 25% cashback guaranteed.
After this date, you can earn up to 25% cashback on your monthly premium, when you drive well.
How can I reduce my car insurance excess?
You can reduce your excess by up to £250 if you make a claim.
When you buy a car insurance plan, we'll send you a sensor. Once linked to the Vitality Member app, you'll be able to measure your driving behaviour.
When you drive well, you earn points. More points = more money off your excess.
How can I get rewarded for greener choices?
When you drive well, or leave the car at home, you can offset up to 100% of your carbon emissions.
Learn how you can help offset your carbon emissions and earn rewards.
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