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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.

 

A new generation of car insurance

 

Already a Vitality Healthy Living member?

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.

Why you should choose Vitality car insurance

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

  • Weekly rewards

    Rewards icon

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

  • Reduced costs

    Save icon

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

    Earn a No Increase Guarantee at renewal.

  • Greener future

    Green icon

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


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

Comprehensive cover

Here's what our 5 Star Defaqto rated car insurance plan covers:

Accidents
✓ Use of a courtesy car when you use an approved car repairer
✓ Cover for travel or overnight accommodation after an accident
✓ Cover for replacement locks if you lose or have your keys stolen
Repairs
✓ Cover for windscreen repair or replacement
✓ Lifetime guarantee on car repairs when you use an approved repairer  
Other drivers
✓ Uninsured driver protection

With no mid-term adjustment fees

If you need to make changes to your plan during the year, you won't pay an admin fee. Your premium may go up or down depending on the changes you make.


Car insurance cover options

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


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.

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

What car insurance documents do you provide?

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:

  • 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.

How can I reduce my car insurance excess?

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.

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

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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