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Car breakdown cover

With competitive pricing and efficient service, to help keep you on the move!

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Key features of Lifesure’s car insurance

Damaged And Stolen Car Cover

Cover if the car is damaged or stolen

Personal Belongings Insurance

Personal belongings cover up to £500

Sun Roof Repair Car Insurance

Repairs to windscreens and windows

Transport Repair Car Insurance

Cover to transport your vehicle for repairs

Replacement Keys Car Insurance

Replacement keys if yours are lost or stolen

Courtesy Car Insurance

Courtesy car provided following an accident

Why choose Lifesure for car insurance?

As a UK based specialist insurance broker, we believe in putting our customers at the heart of all we do and have been for more than 50 years!

Many of our customers tell us our car insurance offers everything they need, at a price that fits their budget and our excellent customer service is just what they were looking for. In fact, we’re proud to say that we’ve received the Feefo Platinum Trusted Service Award for the fourth year running!

Our award-winning team of agents are always happy to help and can be contacted on 01480 402 460 to provide a new quotation or assist with any changes to an existing policy. And we also offer MyLifesure, an online customer portal providing instant access to your policy details and documents. From here you can send us secure messages. It’s a simple tool that makes a huge difference to our customers.

What does Lifesure’s car insurance cover?

Take a look at how we could protect your car with our handy summary below. Remember that no policy protects you against every scenario and it’s best to also read our policy documents to understand the conditions and exclusions that apply. For other insurer policies, we recommend you read their policy documents to clarify what is and is not included in the cover.

What's covered

  • Your vehicle is covered if damaged, stolen or taken without your permission
  • Up to £500 for personal belongings in your car
  • Replacement keys should yours be lost or stolen
  • A small courtesy car will be provided following an accident
  • Cover for any one event of damage to your windscreen, windows or sun roof
  • If you need emergency accommodation following an accident we will pay up to £500 for your reasonable and necessary accommodation expenses
  • We will not reduce your No Claims Discount if you make a claim for vandalism away from your usual place of residence or work (exclusive to our own product)
  • Like-for-like cover provided for up to 90 days while travelling in the EU (exclusive to our own product)

What's not covered

  • Cover for imported cars – we have imported policies should your car fall into one of these groups. Find out more
  • If you use your car for hire or reward
  • Loss or damage to any caravans or trailers
  • Damage to tyres from braking or road punctures
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

  • Key cover Provides cover for the costs to repair or replace keys in the event of damage, theft or loss
  • Accidental death & personal accident Provides a benefit payment for death or certain bodily injuries while driving or travelling in the insured vehicle
  • Vehicle excess protection We will reimburse you for the excess on your vehicle insurance policy following a claim on your vehicle insurance
  • Substitute vehicle and legal expenses Provides cover for the recovery of uninsured losses and motoring prosecution defence. If your insured vehicle is undriveable or has been written off as a result of an incident which is insured by your motor insurance policy, we will arrange to supply you a substitute vehicle
  • Motor breakdown (UK) Roadside recovery and at home assistance in the UK provided by the RAC.

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

Full car policy information

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Motor insurance (renewal on/after 01.01.23)
PDF 507.04 KB
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Key cover insurance (renewal on/after 01.01.24)
PDF 244.71 KB
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Key cover insurance (renewal on/before 31.12.23)
PDF 222.41 KB
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Accidental death and personal accident insurance (renewal on/after 01.01.24)
PDF 424.59 KB
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Accidental death and personal accident insurance (renewal on/before 31.12.23)
PDF 427.11 KB
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Vehicle excess reimbursement insurance (renewal on/after 01.01.24)
PDF 364.03 KB
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Vehicle excess reimbursement insurance (renewal on/before 31.12.23)
PDF 506.59 KB
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Substitute vehicle and motor legal policy insurance (renewal on/after 01.01.24)
PDF 225.02 KB
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Substitute vehicle and motor legal policy insurance (renewal on/before 31.12.23)
PDF 198.05 KB
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Lifesure RAC car breakdown policy
PDF 8.44 MB

Your payment options

We believe in making insurance as straight forward and as easy as possible for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments by direct debit, debit card, credit card, BACS or bank transfer.

Spreading the cost of your insurance can help make the cost more manageable, which is why we work with Close Brothers Premium Finance to enable you to pay in regular instalments*.

Flexible payment dates, online account management and credit agreement renewal can make it easier to have appropriate protection in place.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment.


Ways to pay

Find other insurances

Did you know that we offer a whole host of everyday and leisure insurances, all under one roof? From home insurance to breakdown cover, we’ve brought together a collection of feature packed policies, so shopping around for what you need is that little bit easier.

Our experienced agents will be able to talk to you about all of your policies in one conversation, so you can spend your time doing more of the things you really enjoy! Take a look at the other insurance covers we can provide.

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