Car Insurance.

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

  • 87% of Review Centre users recommend us
  • RAC Breakdown Assistance included as standard
  • 24/7 UK claims helpline
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With Dial Direct Car Insurance you will get truly comprehensive insurance that is supported by outstanding customer service. Visit customer review sites ‘Review Centre’ and ‘TrustPilot’ to see what our customers are saying about us and our car insurance service!

Dial Direct Car Insurance customers also benefit from RAC Roadside & Recovery Breakdown cover as standard, at no extra cost. Just another reason to choose Dial Direct for your car insurance needs.

Dial Direct Car Insurance features and benefits include:

  • Cover for loss or damage to your car that is caused by accidental or malicious damage, vandalism, fire, theft or attempted theft

  • Cover for any damage to your window screen or the damage to any window- Windscreen cover allows you to recoup the cost of any windscreen repairs, or even a full windscreen replacement if necessary

  • Should your car be involved in an accident with an uninsured driver, that wasn’t your fault, we will reimburse any excess that you will be required to pay should you make a claim

  • A contribution of up to £300 towards the cost, per claim, of replacing a child’s car seat

Remember that:

  • Loss or damage resulting from incorrect car maintenance or fuelling will not be covered

  • Cover is not provided for the theft of keys that are left in, on or near the car whilst it is left unattended

  • Driving other cars cover only applies if shown on your certificate of motor insurance

What will I get, as standard, with my Dial Direct Car Insurance policy?

RAC Breakdown Assistance included as standard

RAC Breakdown Roadside and Recovery is included with every Car Insurance policy and there’s no additional fee for this service, it’s on us!

What is RAC Breakdown Assistance?

If you have a problem at the roadside, then RAC Breakdown Assistance will aim to get it fixed straight away without the need to take your car to a garage. If the problem cannot be resolved at the roadside, the RAC will make sure get home or to your chosen destination. This service is provided 24 hours a day, 7 days a week, so they’re always on hand should you breakdown.

Why would I need RAC Breakdown Assistance?

You may need your car to get from A to B, which means you would be affected if your car was to break down. Give yourself peace of mind by knowing RAC Breakdown Assistance is there if you need it.

Why would I need RAC Breakdown Assistance?

You may need your car to get from A to B, which means you would be affected if your car was to break down. Give yourself peace of mind by knowing RAC Breakdown Assistance is there if you need it.

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Uninsured Driver Benefit

There are drivers up and down the country who drive without insurance and can often cause suffering in the event of an accident. Dial Directs Uninsured Driver’s Benefit will ensure you are protected, preventing any losses or extra costs you may incur if the accident wasn’t your fault.

What is Uninsured Driver Benefit?

Protection against the costs incurred if you have an accident involving an uninsured driver which wasn’t your fault.

Why would I need the Uninsured Driver Benefit?

The last thing you would want in an accident is to be told that the 3rd party is uninsured. Dial Direct will ensure you are protected against the financial loss incurred.

Transport/Hotel Expenses Benefit

An accident comes with many worries. So don’t let transport or hotel expenses be one of them. Dial Direct will ensure that these costs are covered should you be involved in an accident that wasn’t your fault.

What is covered under the Transport/Hotel Expenses Benefit?

Dial Direct will help you make arrangements for your onward travel to get to where you need to be, or provide one nights accommodation if you’re unable to continue travelling.

Why would I need the Transport/ Hotel Expenses Benefit?

Have you thought about what you do if you didn’t have a car to drive and had nowhere to go following an accident? It’s a worrying thought, but Dial Direct would make sure you have somewhere to go or stay.

Experienced Driver Discount

Some insurers don’t accept No Claims Discount earned on another vehicle. Dial Direct’s experienced Driver Discount offers something different.

What is Experienced Driver Discount?

Dial Direct Insurance may be able to offer you a discount on your premium if you have earned No Claims Discount on another vehicle.

Why would I need the Experienced Driver Discount benefit?

The discount could reduce your Car Insurance premium so it may be worth checking if you’re eligible for this benefit.

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UK claims helpline

Our dedicated helpline is open 24 hours a day, 7 days a week.

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UK Contact centre

Our award winning contact centre is open 7 days a week to help you.

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Your policy documents include full terms, exclusions and limitations so please refer to these if you require any further information. If you have any further questions on the cover your policy offers please contact our helpline on 0344 412 2137.

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. To find out more about Dial Direct Premier click here.

Car Insurance questions answered:

What different levels of car insurance are available?

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.

Why do I need car insurance?

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.

What information do I need to get a car insurance quote?

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 insurer will not pay out.

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

What factors could affect how much I pay for my car insurance policy?

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 medical conditions that you or your additional drivers have
  • 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.

Why should I choose Dial Direct Car Insurance?

There are many great reasons to choose Dial Direct for your car insurance needs. Not only have our comprehensive policies been awarded a five star Defaqto rating but we can offer you a policy that suits your needs. Choose from our standard or Premier insurance package.

Dial Direct Car Insurance benefits include:

  • A Defaqto 5 Star Rated product
  • RAC Breakdown Assistance included as standard
  • Motor Legal Protection included as standard

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

Read our full guide regarding car insurance here

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.

Motor Legal Protection

Claim back uninsured losses from the driver at fault after a motor accident. Included as standard with Dial Direct Premier Car Insurance

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RAC Breakdown Assistance

There to help with any mechanical or electrical breakdown faults on your car or van. Included as standard with all Dial Direct motor policies

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Personal Accident Cover

Financial support to help you and your family if you are injured in an accident.

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Guaranteed Replacement Car

If your car has been written off or stolen, Guaranteed Replacement Car is here to help

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Comprehensive cover for lost or stolen keys, as well as replacement locks for your home and vehicle

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