Our Premier Car Insurance offers fantastic cover with additional products included as standard

  • Defaqto 5 Star Rated
  • 24/7 UK claims helpline
  • RAC Breakdown Assistance
  • £100,000 Motor Legal Protection cover
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There are many great reasons to choose Dial Direct Premier for your car insurance needs. Not only has our comprehensive policy been awarded a Defaqto 5 Star Rating, but we are also proud to say that 87% of Review Centre users recommend us!

Dial Direct Premier customer’s benefit from RAC Roadside & Recovery Breakdown cover and Motor Legal Protection as standard, at no extra cost.

Dial Direct Premier 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 Insurance policy?

  • RAC Breakdown Assistance

    Roadside and Recovery included at no extra cost, with every car insurance policy.

    What is RAC Breakdown Assistance?

    RAC Breakdown Assistance aims to fix your car at the roadside, and will cover any driver who is driving the car with the policy holder’s permission. If your vehicle cannot be fixed at the roadside, RAC will get you and up to 8 passengers home or to a chosen destination. This service is available 24 hours a day, 7 days a week.

    Why would I need RAC Breakdown Assistance?

    If you use your car often, relying on it to get from A to B, then you are likely to be affected if it breaks down. RAC Breakdown Assistance can help you if this was to happen, supporting you to get back on the road as quickly as possible.

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  • Uninsured Driver Benefit

    Unfortunately there are often drivers on the road who are uninsured. If you are involved in an accident and the other party is not insured, it can cause you to suffer financially. Dial Direct offers an Uninsured Driver’s Benefit to protect you against this.

    What is Uninsured Driver Benefit?

    Cover if an accident occurs between you and an uninsured driver if the accident wasn’t your fault.

    Why would I need the Uninsured Drivers Benefit?

    Being involved in an accident with someone who isn’t insured could be costly. Dial Direct makes sure that you are covered if this were to happen.

  • Transport/Hotel Expenses Benefit

     A road traffic accident can often leave you feeling emotionally drained and a little out of sorts, that’s where Dial Direct can help. Dial Direct will support you if you’re unable to get home after an accident by covering the cost of you staying in a hotel for the night.

    What is the Transport/Hotel Expenses Benefit?

    You will be covered, as standard with your policy, for travel arrangements or one night’s accommodation if you can’t continue your journey after a road traffic accident.

    Why would I need the Transport/Hotel Expenses Benefit?

    If you’re in a road traffic accident and you can’t continue to travel, it makes it easier having somewhere to stay or replacement transport to get you home. Dial Direct can cover your expenses and relieve some of the stress from the situation.

  • Experienced Driver Discount

    Many insurers don’t allow customers to use their no claims discount on more than one car, that’s where Dial Direct is different!

    What is Experienced Driver Discount?

    Some of our insurers offer a discount if you have earned no claims discount on another vehicle.

    Why would I need Experienced Driver Discount?

    If you do own more than one vehicle, you may be able to benefit from using your no claims discount on another vehicle. Allowing you to benefit from a discounted car insurance price.

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  • Motor Legal Protection

    Dial Direct offers £100,000 of cover, as standard, should you find yourself in a motor accident that wasn’t your fault and you require legal assistance.

    What is Motor Legal Protection?

    When you have an accident that isn’t your fault, you have the right to recover the losses from 3rd parties. Motor Legal Protection helps to recover those losses for you and can appoint a solicitor to represent you should you need to take legal action.

    Why would I need Motor Legal Protection?

    Motor Legal Protection covers the legal costs involved in claiming back your uninsured losses following an accident that was not your fault, such as your policy excess or compensation for any personal injury.

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  • UK claims helpline

    As a Dial Direct customer you will benefit from our UK based claims helpline. Our dedicated helpline is open 24 hours a day, 7 days a week. To make a Car Insurance claim please call our Claims Helpline on 0344 412 2142

  • UK Contact centre

    Our award winning contact centre is open 7 days a week to help you. If you have any further questions on the cover your policy offers please contact us on our helpline 0344 412 2137.

Please refer to the policy document for full terms, exclusions and limitations.

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 a car 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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