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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, and up to 40 points each week.

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.

And don’t worry too much if you had to perform an emergency braking manoeuvre to avoid the neighbour’s cat, one off driving events don’t have much impact on your overall score. Repeated patterns over time will impact your score, which is where you’ll find the app a useful tool to help improve in these areas.

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.

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.
We're aware of an issue affecting some members updating to iOS 15, where trips aren't being recorded. Please follow the steps below:
  1. Launch the Vitality Member app from your phone's home screen. Trips should then be recorded automatically.
  2. If that doesn’t resolve the issue, please restart your phone, and once switched back on launch the app from the phone’s home screen.
  3. Lastly, check location services for the member app and ensure that it is set to ‘Always’ and that ‘Precise Location’ is turned on.
If you continue to experience an issue, speak to our team, we'll be happy to assist.
Whether you've upgraded to the latest handset, or had to replace your phone for another reason, to enable trip recording on you new phone follow these steps:
  1. Download the Vitality Member app on your new phone.
  2. Once installed, login to the Vitality Member app.
  3. On the home screen, select the link to enable permission settings, and follow the instructions.
  4. As a final check. Select the ‘more’ button at the bottom of the screen. Then select 'Connections'. Here you’ll see your car listed in the menu, and under 'Sensor details' the Status will say Linked.
You don't need to do anything else, when you next take a trip the sensor will automatically connect with your new phone.

If you need more help with switching phone, speak to our team, we'll be happy to assist.
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 and 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, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

You no longer need to carry a Green Card to drive in any of the countries listed above.

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.

You can check your auto renewal status in Member Zone. This can be changed online up to 25 days before your renewal date, or you can call us.
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 and app by adding their contact details on the Named driver page, if you added other people to your plan.
  • check and change your auto renewal status.
We have a guide to setting up the Good Driving sensor.

We also have a helpful guide to help if you run into any difficulties setting up the sensor and app.
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 Notice.

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

Read full member offer terms and conditions.

Not received your gift card?

For eligible members we send your voucher code to the email you provided us with when you took out the plan, no later than 30 days after your Vitality car insurance cover has started.

This can drop into your Junk or Spam folder so please make sure you check for it here.

If you've still not received the email get in touch and we'll look into this for you (

Not sure we've sent you the correct amount?

Your voucher amount is determined by your Vitality Healthy Living status at the time you took out your Vitality car insurance plan.

We send you £50 for Bronze status, £60 for Silver status, £70 for Gold status and £75 for Platinum status. We don’t change the amount if your status changed after the purchase of your Vitality car insurance plan.

See the Member offer terms and conditions for more details.

If you still believe you've been sent the incorrect amount, get in touch and we'll look into this for you (
Planholders can see a calculation of total miles offset in the app or in Member Zone. This total is calculated using miles driven and carbon offset earned for driving well:
  • Six points a day – 100%
  • Five points a day – 70%
  • Four points a day – 50%
  • Three points a day – 30%
  • Two points a day – 10%
  • Below two points a day – we won’t offset any of your emissions on these days.
Trips recorded will update and display in the calculator the following day.

If we’ve manually adjusted your driving score for any reason, please be aware that it’s not currently possible for us to update the data displayed in the carbon offset calculator to include adjusted miles driven or points earned.
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.