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Insurance

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Policy Summary PDF download regarding Car Insurance (opens overlay window)
Policy Document PDF download regarding Car Insurance (opens overlay window)
Car Insurance ServicesPDF download regarding Car Insurance (opens overlay window)
25% discount Terms and ConditionsPDF download regarding Car Insurance (opens in new window)
Service guarantee Terms & Conditions PDF download regarding Car Insurance (opens in new window)

Important Notes regarding Car Insurance (opens in new window)
Flood help and advice

Car Insurance

Quote & Apply for Car Insurance (opens overlay window) Retrieve existing quote for Car Insurance (opens overlay window)

Get 25% discount and pay monthly with no extra charge.

If you have a car, finding the right insurance can be the admin equivalent of sitting in a traffic jam. So we've cleared the roads for you with a range of straightforward options and 25% discount for new customers. And if you're not happy for any reason up to three months later, you can cancel your policy, no questions asked, without a cancellation charge. It's that easy.

25% discount for new customers
service guarantee
up to 75% no claims discount
no additional cost for paying monthly by Direct Debit.

first direct Car Insurance is provided by Equity Direct Broking Limited who arrange cover with the insurer, Equity Red Star.

Subject to minimum premiums and underwriters standard terms and acceptance criteria.

first direct Car Insurance is provided by Equity Direct Broking Limited who arrange cover with the insurer, Equity Red Star. Unfortunately, we don't cover cars over £75,000, but if your vehicle does have a market value greater than that, we can recommend Marsh Ltd (opens in new window) who will be happy to help.

Want to talk?

New customers
0800 032 9401

Amend/Renew my policy
0845 603 7904

Open: Monday to Friday:
8.00am to 8.00pm
Saturday, 9.00am to 5.00pm
Sunday, 10.00am to 3.00pm

Make a claim
0844 800 1930

Open 24 hours a day.

Our cover at a glance

This table will give you a better idea of what's covered by our different policies - just choose the type of cover you want when you request a quotation. However, please make sure you read the Policy Summary PDF download regarding Car Insurance (opens overlay window) and Important Notes regarding Car Insurance (opens overlay window) in the left hand menu before obtaining a quote or applying. You'll find full details in our Policy Booklet PDF download regarding Car Insurance (opens overlay window).

Our downloads are in a PDF format. To read them you'll need to have Adobe Reader 4.0™ or above. It's free and you can get Adobe Reader here (opens in new window).

Compare our types of Car Insurance cover
Features	Types of Car Insurance cover
Standard policy	Third Party	Third Party, Fire and Theft	Comprehensive
Fire		Included	Included
Lightning		Included	Included
Car taken without your consent		Included	Included
Explosion		Included	Included
Theft		Included	Included
Attempted theft		Included	Included
Storm			Included
Flood			Included
Malicious damage			Included
Accidental damage			Included
Vandalism			Included
Excess		Refer to policy schedule	Refer to policy schedule
Courtesy car			Included
Liability for passengers	Included	Included	Included
Emergency treatment	Included	Included	Included
Foreign travel cover	Included	Included	Included
Legal costs	Included	Included	Included
Audio equipment (fitted as standard)		£Unlimited	£Unlimited
Storage and delivery after repair		Included	Included
Accessories (fitted to car/stored in garage)			Included
Windscreen cover			Included
Personal accident			Up to £5,000
Medical expenses			Up to £500
Injury or death (driver and partner)			Up to £5,000

Optional extras

+Expand all items

Show or hideAutonational Total SuperService
Includes National and EU roadside assistance, car recovery, cover at home and emergency travel and accommodation - all for just £66 per year (paid in full with initial deposit if paying monthly).
Show or hideAutonational Roadside SuperService
Covers call out fees and labour charges needed to start your vehicle and/or recovery to the nearest available garage for your vehicle, yourself and up to four passengers - all for just £30 per year (paid in full with initial deposit if paying monthly).
Show or hideLegal expenses
Covered up to £100,000 to help claim back costs you may incur that aren't covered as standard, as the result of an accident that wasn't your fault - great value at £25 per year (either paid with initial deposit or can be spread over the year).
Show or hideKey Cover
Provides up to £1,500 worth of cover for lost or stolen keys. All keys on your keychain are covered and we'll even pay for replacement keys, recoding (electronic keys) and also your onward journey should you be stranded - all for just £15 per year (either paid with initial deposit or can be spread over the year).
Show or hideSubstitute Vehicle Cover
In the event your vehicle is written off or stolen and not found, standard courtesy car cover does not apply. In these circumstances and for just £21 per year, substitute Vehicle Cover will provide a hire car of up to 2,000cc for 21 days, to keep you on the road (either paid with initial deposit or can be spread over the year).

Alternative types of cover

Third Party Fire and Theft cover - Third Party, Fire and Theft (or TPFT) covers you for liability to other people and their property, as well as damage by fire and theft of the vehicle itself. If you've got no additional drivers under the age of 25, TPFT cover could be a great budget car insurance option for you.

Third Party Only - The most basic level of cover we offer, Third Party Only includes liability for other people and their property, but nothing else.

25% discount for new customers

(25% discount when you take out a new first direct Car Insurance policy)

offer only available to customers who already hold a first direct 1st Account
discount does not apply to additional products e.g. breakdown cover
the offer is subject to minimum £150 damage, fire and theft excess
policy holders must be aged between 21 and 79 years old and named drivers between 19 and 79 years old.

Please ensure you read the full Terms and Conditions PDF download regarding Car Insurance (opens in new window) of the offer.

Service Guarantee - no Cancellation Fee

The insurer will still make a charge for the number of days which the insurer has provided cover. A refund of premium will not be available to customers who have made a claim on the policy.

This offer is only open to new first direct Car Insurance customers who already hold a first direct 1st Account. It does not apply to first direct Car Insurance policies underwritten by Equity Red Star which are due for renewal.

first direct reserves the right to remove or vary these offers at any time without prior notice. Quotes given before such removal or variation will be honoured in accordance with their Terms.

Please ensure you read the full Terms and Conditions PDF download regarding Car Insurance (opens in new window) for the offer.

first direct reserves the right to remove or vary these offers at any time without prior notice. Quotes given before such removal or variation will be honoured in accordance with their Terms.

You must read the Policy Summary, Document and Important Notes links on the left hand menu before obtaining a quote.

Quote & Apply for Car Insurance (opens overlay window) Retrieve existing quote for Car Insurance (opens overlay window)

Already a customer?

To find out more about making a claim, renewing or amending your existing policy, visit our existing customers page, where you'll also find essential contact details.

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Important notes

This link allows you to access web pages that are managed by Equity Direct Broking Limited, the Car Insurance provider for first direct.