Private Car

Insurance that protects individuals and their cars against loss, damage and legal liability

Our car insurance protects individuals and their cars against loss and damage whilst also protecting their legal liability for death, injury and damage to other people’s property.

The latest version of the product literature is available to download below, which contains full details of the benefits, exclusions and limitations of the cover. If you need a version prior to those shown please contact your broker.

To view the Target Market Statements and Product approval Process, please click here 


  • Sat Nav and Audio cover unlimited if manufacturer fitted
  • Personal effects cover up to £250
  • Personal accident cover up to £5,000
  • Foreign use providing full cover up to 90 days
  • Windscreen replacement and repair
  • Replacement locks cover up to £1,000
  • Replacement child car seat cover up to £100 per seat
  • Overnight accommodation cover up to £100 per person, £500 in total
  • Medical expenses cover up to £300
  • Driving other cars extension (subject to terms and conditions)
  • Uninsured driver protection
  • Please note the above features are for comprehensive cover only.


  • Competitive premiums
  • Up to 9 years' NCD, with protection available
  • Introductory bonuses available
  • Repairs by an approved repairer guaranteed for as long as you own the car
  • Courtesy car is provided when using an approved repairer to keep you on the road
  • New car replacement for cars up to one year old
  • Dedicated motor claims helpline operated 24 hours a day, 365 days a year, by staff trained in managing motor claims