Car insurance that rewards you

Earn up to 25% cashback every month, when you drive well or have car-free days*

Comprehensive cover you can trust

  • Defaqto expert rated car
  • servicemark
  • WhatCar?

Why it pays to drive well with Vitality

You're a good driver. It's time to get something back from your car insurance.

*Based on a member earning the full 25% Cashback Reward each month, calculated using the average Vitality Car core insurance premium (excluding optional extras and interest charges) for policies sold between 1 June 2021 to 31 May 2022.  **10% of customers paid £193 or less between 1 March to 31 May 2022. Excludes optional extras.

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.

car rear angle

1 Download our app

Download the app, link it to your driving sensor and attach the sensor to your windscreen.

car rear angle

2 Drive well or have a car-free day

We’ll reward you for your good driving on the days you do drive PLUS reward you on the days you don’t drive.


3 Get your rewards

Earn rewards including up to 25% cashback every month, money off your excess and more.

What's in our 5 Star cover?

You get fully comprehensive insurance with Vitality, with no mid-term adjustment fees.

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.

Windscreen cover

We'll repair or replace any damaged windscreens or windows. 

Replacement keys

If your keys are lost or stolen, we will provide 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.

Travel costs

If you get stuck, you'll get up to £500 towards travel or hotel costs to finish your journey.

hand holding car keys

What else we cover

  • Child car seat replacement
  • Cover for your belongings
  • Legal liability to others
  • New car replacement cover
  • Medical expenses
  • Unlimited cover for audio and sat nav equipment
4x4 car

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

Want to know more about our car insurance?

Check out our quick guides.