Private Car

Long-established cover

Private Car is our main car insurance product. It’s a mass-market policy with a range of features and benefits.

Approved repairer network

Includes accident recovery to one of our approved repairers, and a lifetime guarantee on repairs

Great benefits as standard

Uninsured-driver promise, loaned vehicle cover, and replacement locks are all provided as standard

Sophisticated pricing

And excellent cover - you can trade through Fast Trade or via your software house

Product details

Why Private Car?

Private car covers standard and non-standard risks. Benefits include:

  • Approved repairer network - we’ll book the car into an approved repairer, provide a courtesy car for the duration of the repair, and give your client a lifetime guarantee on repairs
  • Uninsured driver promise - if an accident proves to be the fault of an uninsured driver, we’ll refund any excess and your client’s no-claim discount won’t be affected. This is subject to us being provided with the details of the other vehicle and driver.
  • Loaned vehicle cover - we’ll cover any motor vehicle loaned to your client by a garage, motor engineer, or vehicle repairer for up to seven days, while their own vehicle is being serviced, repaired, or having an MOT test
  • Breakdown cover - cover throughout the EU is standard


We recognise the impact a claim can have on your clients, and aim to get things back to normal as quickly as possible.

You can find out more about our claims process by visiting Our Claims Service page.

The Competition and Markets Authority (CMA)

To assist with your submission to the CMA, below are our 2021 average no claims discounts:

Number of years No Claim Discount Average NCD discount in 2021
1 year 21%
2 years 25%
3 years 26%
4 years 28%
5 years or more 30%

Quote and buy

Get a quote and buy Personal Lines, including Private Car, on Fast Trade

This product should also be available through your usual Software House.

Visit Fast Trade

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