Car Insurance

With our Car Insurance you can be confident that you are getting a premium level of cover for you and your vehicle.

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Dial Direct's Car Insurance features and benefits include:

What it covers

Things to think about

Tailor your insurance package

Dial Direct offers premium insurance products with a wide range of features and benefits, allowing you to build a truly comprehensive insurance product that fits with your needs and lifestyle. When selecting a product, please make sure that it meets your individual insurance needs.

Dial Direct Premier

Alternatively, we offer a Premier Car Insurance package that makes sure that you have the level of cover you need and includes Motor Legal Protection as standard within the purchase of your policy.

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Making a claim

Need to make a claim? Call our 24 hour claims helpline where our team of specialist representatives will be there to help you every step of the way.


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Frequently asked questions

There are many great reasons to choose Dial Direct for your car insurance needs. Choose from our standard or Premier insurance package.

Dial Direct Car Insurance benefits include:

  • RAC Breakdown Assistance included as standard

To get a car insurance quote with Dial Direct please click here.

Read our full guide regarding car insurance here

There are three basic levels of car insurance available in the UK; Third Party Only (TPO), Third Party Fire and Theft (TPFT) and Comprehensive.

Third party only

Third party only insurance (TPO) provides you with the legal minimum level of cover that you need to drive a car in the UK. This kind of policy aims to help protect other people, vehicles and property in the event of an accident that is deemed to be your fault. With ‘third party only’ insurance you will be covered for:

  • Liability for injury to others
  • Damage to others property
  • Liability for damage caused whilst towing a trailer

With third party only cover it is worth noting that you will not be covered for any damage that is done to your own vehicle or any injuries that you suffer if an accident is your fault. To be covered for these elements you will need a comprehensive insurance policy.

Third party fire and theft

As well as protecting you for the elements that third party only does, with ‘third party fire and theft you will also be covered for:

  • Damage by fire
  • The theft of your own car
  • Damage to your car caused during an act of theft

This cover for ‘damage by fire’ applies to accidental fires as well as fires caused on purpose (arson). To claim for arson you will need a crime reference number.


Comprehensive cover is the most extensive car insurance policy that is available for UK drivers and includes everything that third party fire and theft does with the following additional benefits:

  • Loss or damage to your own car
  • Windscreen cover
  • Personal effects cover
  • Accidental damage
  • Medical expenses

To get a car insurance quote with Dial Direct please click here.

Having car insurance is a legal requirement in the UK. Car insurance is there to provide financial protection, dependent upon your level of cover, for damage to vehicles, properties and injuries to yourself as well as other drivers, passengers or pedestrians.

Driving without car insurance is illegal in the UK, All motorists must be insured against their liability to other people, as stipulated in the Road Traffic Act 1988.

Driving without insurance can result in disqualification from driving, a fine or even jail time.

To get a car insurance quote with Dial Direct please click here.

To get a car insurance quote you will need to have personal information to hand such as your date of birth, address, occupation and claims history. You will also be asked questions about your vehicle; including its make, model, vehicle registration and planned usage. You will need to declare any modifications that have been made to the vehicle.

Before you commit to purchasing your car insurance policy, please make sure that all information provided is, to your knowledge, correct. If information gathered during the application process is found to be incorrect then your insurance policy and any claims that you make will be invalid and the insurance provider will not pay out.

To get a car insurance quote with Dial Direct please click here.

When calculating your car insurance quote you will be asked a series of questions that will help the insurer determine the risk that they are potentially taking and how likely you are to make a claim on your car insurance policy. There are certain factors that can affect how much you pay for your car insurance, these include:

  • Your claims history
  • Your car’s age and value
  • Any claims made by your additional drivers
  • Any driving convictions that you or your additional drivers have
  • Any modifications to your vehicle from the manufacturers normal specifications 
  • Where your car is kept overnight
  • Your postcode
  • The proposed annual mileage
  • Your occupation
  • Your vehicles use (commercial or private)
  • Security measures

You may be asked for additional information or specific proof depending on what the insurance provider is requesting.

To get a car insurance quote with Dial Direct please click here.

No, our motor insurance policy will provide, at minimum, third party liability coverage for the duration of the insurance policy. However, we encourage you to check your policy documents carefully for limits of coverage and policy exclusions. In addition, we encourage you to familiarise yourself with regulations around the cross-border transport of goods and abide by any travel advice issued by the Foreign, Commonwealth & Development Office.

No, until 11th June 2022 our commercial van customers with UK comprehensive insurance will also have comprehensive cover for any cross-border journeys taken to provide humanitarian aid within the Green Card Free Circulation Area (GCFCA) countries. Therefore, you do not need to contact us unless you require additional cover or plan to leave GCFCA countries.

The Green Card Free Circulation Area (GCFCA) comprises of all 30 European Economic Area (EEA) countries as well as UK, Andorra, Bosnia & Herzegovina, Montenegro, Serbia and Switzerland

No, cover does not include driving in the Ukraine. You should also be aware that damage or injury caused by war, conflicts or similar events is a common exclusion in motor insurance policies.

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