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Car insurance that rewards you

Now you can earn up to 25% cashback every month, when you drive well*


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*The Cashback Reward for good driving is based on your core car insurance premium. Optional extras and interest charges are excluded. Terms and conditions apply.

Comprehensive cover you can trust

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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.

Car cashback
Up to 25% cashback every month

Get money back by driving well or having a car-free day. Get started with our special offer.

Discover cashback

5 Star Defaqto-rated cover

Get comprehensive cover from £188*

Find out what we cover

Car excess reduction
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.

Explore our rewards

*10% of customers paid £188 or less between 1 January and 22 March 2022. Excludes optional extras.

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 Gift Card worth at least £50*

Get a quote now
*Your Gift Card is based on your Healthy Living status when you buy a plan. Terms and conditions apply.

How cashback works

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.

1 icon  Download the app and attach our driving sensor to your windscreen

2 icon  Drive well or have a car-free day

3 icon  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.

Windscreen cover

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

Replacement keys

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.

Travel costs

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

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

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.


More on going green

Green landscape

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.

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 our 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 Notice.

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.

Find out more about how this works.

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.

Find out more about our rewards.

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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