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Car insurance

✓ 5 Star Defaqto rated cover from £195*
✓ Weekly rewards and reduced costs for driving well
✓ Offset up to 100% of your carbon emissions

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*10% of customers paid £195 or less between 1 July to 21 September 2021. Excludes optional extras.

Car insurance that rewards your good driving... 

We like to celebrate and reward good driving. So, when you drive well, we give you the power to earn weekly rewards and control your costs. You can get rewarded for car-free days too.

...and creates a greener future.

By driving well you can offset up to 100% of your carbon emissions to reduce your carbon footprint.

Check out our 5 Star Defaqto Rated comprehensive cover.

Why you should choose Vitality car insurance

Drive well, or leave the car at home, to get rewarded

  • Weekly rewards

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    Earn a handcrafted drink from Caffè Nero and an on-demand movie rental from Rakuten TV.

  • Reduced costs

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    Reduce your excess by up to £250 in the event of a claim.

    Earn a No Increase Guarantee at renewal.

  • Greener future

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    Offset up to 100% of your carbon emissions and get rewarded for car-free days.

Get a quote to claim your exclusive member offer - we'll guarantee to beat your renewal quote or last year's price, whichever is lower. Plus, get an Amazon.co.uk Gift Card worth at least £50, depending on your Healthy Living status, when you buy a plan. Terms and conditions apply.

If your car cover isn't due to renew soon, log into Member Zone to park your details. We guarantee to beat your renewal quote until 30 June 2022.

If you're a car insurance member and you're looking for support, read our car insurance support guides.


How we reward your good driving

Attach the Good Driving sensor in your car and link it to the Vitality Member app to:

  1. Understand your driving
  2. Drive well, and
  3. Get rewarded.

Drive well, or have a car-free day, to earn points towards your weekly rewards and Good Driving status. The higher your status, the lower your excess in the event of a claim. Stay claims-free and achieve Gold or Platinum status and you will earn a No Increase Guarantee at renewal.

You can rest assured that your premium will never go up mid-term due to your driving.

More on Good Driving rewards

What's covered?

Here at Vitality we don't compromise on cover, that's why we only offer comprehensive car insurance that's rated 5 Star by Defaqto - the highest possible rating.


Defaqto 5-Star car rating 2021

Repairs are guaranteed

Our approved repairer will guarantee their repair work for as long as you own your car and will provide a courtesy car for the duration of repairs.

No mid-term adjustment fees

If you need to make changes to your plan during the year, we won't charge you fees. Your premium may go up or down depending on the changes you make.

Keeping you moving

We will pay you back up to £500 towards travel or hotel costs to finish your journey, if your car is not roadworthy following an accident.

90 days EU cover

Comprehensive insurance cover for up to 90 days when driving your car abroad in the EU.

Replacement keys

If your keys are lost or stolen, we will provide cover up to £1,000 to replace them

Personal accident

£5,000 if you or your spouse/partner are seriously injured in an accident.

Uninsured driver protection

If you are involved in an accident that is not your fault and the person responsible for the accident is not insured, your No Claims Discount will not be affected and you won't have to pay your excess.

Child car seat replacement

If you have a child car seat fitted in your car and your car is involved in an accident, we will pay the cost of replacing the seat.

Cover for your belongings

Up to £250 cover for personal belongings.

Legal liability to others

Cover for injury to any person and damage to property caused by you driving your car.

Windscreen cover

We will repair or replace any damaged windscreens or windows.

New car replacement cover

If your car is less than 12 months old and is written off or stolen and not recovered, we'll replace it with a new one.

Medical expenses

If you have any medical expenses to pay after an accident, we'll pay up to £100 for each injured person

Unlimited cover for audio & sat nav equipment

Repair or replacement of your factory fitted audio and sat nav equipment.


Car insurance cover options

If you want more cover you can choose one or more of the following options


Car insurance FAQs

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.

To earn Good Driving Rewards, you'll need a compatible smartphone.

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:

  • Acceleration
  • Braking
  • Cornering
  • Distracted Driving, and
  • Speeding.

Find out more about how the Good Driving Programme works in Good Driving Rewards.

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 Policy.

The better you drive, the more points you can earn towards your Good Driving status.

Improve your Good Driving status to reduce your excess by up to £250 in the event of a claim.

Find out more about how the Good Driving Programme works in Good Driving Rewards.

When you drive well, or leave the car at home, you can offset up to 100% of your carbon emissions

Find out more about how the Good Driving Programme works in Good Driving Rewards.

Find out more on how you can help to offset your carbon emissions in Greener Future.

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