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Car insurance FAQs

We've answered questions about car insurance here.

Using the Good Driving sensor and Vitality member app, planholders can earn up to six good driving points each day.

You'll need to avoid driving events such as harsh acceleration, braking, cornering, speeding or distracted driving to maximise your daily points. The fewer driving events you have on a particular day, the higher your score.

Members who have a perfect driving day, with no driving events, or a car-free day will earn maximum Good Driving points.

Find out more about how the Good Driving Programme works in Good Driving Rewards.
Did you know named drivers can help you earn points for your Good Driving rewards? When they drive well, all their points go towards your weekly rewards and Good Driving status.

The higher your status, the lower your excess in the event of a claim. Achieve enough points for Gold or Platinum status, and by remaining claim-free (you and named drivers), you'll earn a No Increase Guarantee at renewal.

Once you’re set up, just add their email, address and mobile number to Member Zone and we’ll send them an email on how to get started - add their details now.

They'll be asked to download and register on the Vitality Member app, turn on drive settings and that's it - the sensor will automatically link to their phone when they're driving.
We'll send you an email when you get a quote with us, so you can return to the price you’ve been quoted.

Click "Buy now" on the quote email. For security we’ll ask you to confirm some details and then return you to the price you were quoted, where you can either proceed to purchase or edit your cover further.

If your quote has expired because of the start date you chose, you can start a new one.
Check out our guide on how to make a car claim.

If you need to speak to us about your claim, please contact us.
Your documents will be available to view and download in the Member Zone, in PDF format. If you chose to receive your documents through the post, please allow up to 10 working days for delivery.
If you need to speak to out team, contact us.
Yes, your policy gives you 90 days comprehensive cover to drive in the countries listed below - this is the same level of cover that you'd have in the UK, and meets the legal requirements of these countries.

You are covered to drive for up to 90 days in the following countries: Andorra, Austria, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

You will also need a Green Card to drive in EU countries. Please call us at least a month before your trip so we can issue your Green Card. If you will be towing a caravan or trailer when abroad, please let us know as you will therefore need two Green Cards (one for your car, and one for the trailer or caravan).

We’ll send you a renewal invite 25 days before your renewal date, with further details on renewing.

If you need to contact us about your renewal, please give us a call on 0345 026 0010. We're open Monday to Friday 8am to 7pm and Saturday 9am to 1pm.

If you’ve chosen to automatically renew please check your details are up to date, when we email you about your renewal. We’ll renew your plan unless you tell us not to before the renewal date.
Log into Member Zone. In the Car section you can:
  • check your car plan details on the Cover summary page - to make a change you'll need to contact us.
  • upload your No Claims Discount proof on the Documents page
  • get your named drivers set-up with the Good Driving sensor by adding their contact details on the Named driver page, if you added other people to your plan.
We have a guide to setting up the Good Driving sensor.

If you have any difficulty setting up the app you can contact us.
For every year that you don't make a claim on your car insurance policy, you'll earn one year's no claims discount. The number of years you build up can affect your car insurance premium.

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 track your driving to earn points for driving well 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.

This offer is available to Vitality members and applies to Vitality car insurance only.

Read full member offer terms and conditions.
You can update your consent in the 'Marketing preferences' section of Member Zone.

If you haven't used Member Zone yet, make sure you register for an account to be able to login.