Direct Choice car insurance

Direct Choice is part of the Saga group and it boasts almost 2 million customers throughout the UK. It offers competitively priced car insurance, with a range of optional extras to give you a tailor-made policy.

Should you need to make a claim they have a UK call centre which you can contact on 0800 096 3609, no matter what time of the day or night, as they are open 24 hours.

Terms and conditions will apply to the benefits you’re offered, so it’s important to check the policy wording before you purchase.

Direct Choice car insurance


Benefits you can enjoy with Direct Choice comprehensive car cover:

  • Windscreen cover including sunroofs
  • Personal belongings
  • Keys and locks 
  • Audio and navigation equipment
  • Travel in Europe for up to 90 days with the same cover you have in the UK
  • Courtesy car – If your car is repaired with an approved repairer
  • Child car seat
  • Alternative accommodation or onward travel
  • Five years guarantee on repairs – If your car is repaired with an approved repairer 
  • New car cover
  • Protected no claims discount for drivers who already have 4 years no claims
  • Personal accident cover – A sum paid out to you or your spouse or legal partner as a result of death, or grave injury such as the loss of a limb

Direct Choice Car Insurance also offer the following options you can add to your policy:

Legal expenses cover
If you have an accident and you need to claim against the person responsible, Direct Choice will cover you for the costs of claiming for a personal injury claim, car hire expenses, loss of earnings and other out of pocket expenses including the reimbursement of your policy excess. The cover also includes help and advice if you are prosecuted for a motoring offence, which you want to defend.

Increased personal accident cover
A higher limit paid out than is covered already under your policy.

Breakdown Cover
Direct Choice offers you breakdown cover with the AA, which is the UK’s largest motoring organisation. There are five levels to choose from, so you can pick the one that suits you best. Choose:

  • Essential - Roadside Assistance - Your car will be fixed at the roadside or recovered to a destination of your choice within 10 miles of breakdown.
  • Home Call -Roadside Assistance and Cover at home – You’ll be covered even if your car doesn’t start whilst its parked at home
  • National Recovery - Roadside and National Rescue – Your car and up to 5 passengers will be taken to your destination or to the nearest garage
  • Comprehensive – Includes roadside, Home Call and National Recovery
  • Premier - All the Comprehensive level benefits plus cover in the EU

Car insurance with Direct Choice will also cover you on a Third Party Fire and Theft basis which means you’ll get:

  • Cover against fire or theft
  • Cover for a claim against you if you have an accident that’s your fault including personal injury suffered by your passengers or any other third party
  • Damage to property 
  • Audio and navigation equipment
  • Protected no claims discount for drivers who already have 4 years no claims
  • Travel in Europe for up to 90 days with the same cover as you have in the UK

Third Party cover only gives you cover if you are responsible for an accident and you have a claim against you for a damaged car, personal injuries or damage to property. Your own car won’t be covered. However, you will also get:

  • Cover to drive abroad for up to 90 days with the same cover you have in the UK
  • Protected no claims bonus as long as you already have four or more years no claims

Direct Choice also offer van and motorbike insurance with a good range of benefits and optional extras. If you want to see just how much money you can save, get a Direct Choice car insurance quote today.

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