Car insurance

We believe in providing car insurance that meets your driving needs. That's why we offer two levels of cover: Comprehensive and Third Party Fire and Theft.


  • Guaranteed courtesy car when using one of our approved repairers.
  • Receive an additional discount when you buy online.
  • Cover in Europe (up to 90 days).
  • Optional extras including legal cover, No Claim Discount protection and breakdown cover.
  • Repair guarantee.
  • The policy doesn't cover loss or damage caused by wear and tear or loss of value.
  • Cover in Europe applies only if your main permanent home is in the UK.
  • Optional extras are available at an additional cost.
  • Full details of policy exclusions can be found in the policy booklet.

Types of Prudential car insurance

Find out about the different levels of car insurance cover we offer.


This provides you with full liability cover against accidental damage to the insured vehicle, including malicious damage, fire, theft and windscreen damage.

In addition, if you have an accident you'll receive a courtesy car and a five-year guarantee on repairs when using one of our approved repairers.

This covers:

  • Accidental damage to your vehicle
  • Malicious damage to your vehicle
  • Personal accident benefits
  • Medical expenses
  • Loss of or damage to clothing and personal belongings carried in your vehicle
Third party fire and theft

This protects your liability towards any third party involved in an accident. This could include your passengers, pedestrians, other drivers involved in the accident or damage caused to the other parties' vehicle. It also includes fire and theft cover.

This covers:

  • Liability for injuring other people (including passengers)
  • Liability for damage to property (not your own)
  • Liability for your vehicle being stolen or damaged due to theft or attempted theft
  • Liability for your vehicle owing to damage caused by fire

Optional extras

To complement our car insurance policies, we also offer a range of optional extras that can be added to your policy at an additional cost.

Breakdown cover

We have a range of breakdown packages to choose from, with cover provided by Green Flag.

Green Flag's key benefits include:

  • Unlimited call-outs (excluding Personal/Family cover)
  • In the unlikely event that they do not reach you within one hour, you can claim £10 cash back
  • Prioritisation for vulnerable drivers

Breakdown cover can be purchased with, or added to, your Prudential car insurance policy. View our summary table on the level of cover section.

If you've already bought Prudential car insurance and wish to add breakdown cover to your policy, phone 0345 605 9260.

Please note that Green Flag is underwritten by U K Insurance Limited.

No Claim Discount (NCD) protection

If you have a minimum of 4 years no claim discount, with no more than one fault claim within the past three years for all drivers combined, then you will be eligible to purchase No Claim Discount Protection.

Having No Claim Discount Protection means that your No Claim Discount (NCD) will not be affected by:

  • One claim made during the current period of cover, or by
  • Two claims arising in the three preceding years of insurance.

You will cease to be eligible for the benefit if claims exceed the above number. However your premium may still increase following a claim.

  No Claim Discount at next renewal date without NCD protection No Claim Discount at next renewal date with NCD protection
Current number of years NCD 1 claim in next 12 months 2 claims in next 12 months 3 claims in next 12 months 1 claim in next 12 months 2 claims in next 12 months 3 claims in next 12 months
Four years NCD Two years Nil Nil Four years Two years Nil
Five years
Three years One year Nil Five years Three years One year
Six years
Three years One year Nil Six
Three years One year
Seven years NCD Three years One year Nil Seven years Three years One year
Eight years NCD Three years One year Nil Eight years Three years One year
Nine years NCD Three years One year Nil Nine years Three years One year
What does Claims Legal Assistance Service give you that car insurance doesn't?

Claims Legal Assistance Service is there for you to help you recover losses you are not covered for by other insurance cover you may have.

Examples of what you may claim for include compensation for personal injury, loss of earnings and accident repair costs if you don't have comprehensive cover.

Claims Legal Assistance Service could help you claim for... Examples of claims
Injury to you or a passenger If you or your passenger are injured in an accident, Claims Legal Assistance Service could help you claim compensation for those injuries.
Loss of earnings  If you're injured in an accident that isn't your fault and are unable to work, Claims Legal Assistance Service could help you recover loss of earnings.
Medical expenses If you're injured in an accident and need treatment, Claims Legal Assistance Service could help you recover the medical costs.
Loss of possessions If your personal possessions are damaged as a result of an accident, Claims Legal Assistance Service could help you claim back the cost of these items, if they're not covered elsewhere
Damage to your car (Third Party Fire and Theft Only) If you do not have comprehensive insurance cover and your car is damaged by no fault of your own, Claims Legal Assistance Service could help you recover repair costs.

Our uninsured driver promise for comprehensive policyholders only

No-one likes to be punished for other people's mistakes, which is why we've developed our 'uninsured driver promise'. That means that if you are a Comprehensive policyholder, we'll ensure you won't lose your No Claim Discount an you won't pay the policy excess for an accident that was caused by an uninsured driver.

You'll just need to provide:

  • The vehicle registration number and make and model of the uninsured car
  • The driver's details, if possible

It also helps us to confirm who is at fault if you can get the names and addresses of any independent witnesses.

Bear in mind that when you claim, you may still have to pay your excess. Also, if investigations are taking place when your renewal is due, you may temporarily lose your No Claim Discount. However once we confirm that the accident was the fault of the uninsured driver, we will repay your excess, restore your No Claim Discount and refund any extra premium you have paid.

Please read the car insurance policy booklet and breakdown policy booklet to be aware of the full benefits, exclusions and limitations of this policy.

Details of how to make a claim can be found within the FAQ section.

Summary of our car insurance cover

Car Insurance Cover Level of cover  Comprehensive  Third Party Fire and Theft 
Guaranteed courtesy car provided while your car is with one of our approved repairers Included Y Y
Five year guarantee on all work carried out by our approved repairers  5 years  Y Y
24 hour Accident Recovery Helpline to get your car to a repairer quickly  Included  Y X
No Claim Discount  Up to 9 years No Claim Discount  Y Y
Replacement windscreen and glass cover if you use one of our approved repairers. Claims under this section will not affect your No Claim Discount. Included (subject to excess)  Y X
Cover for permanently fitted in-car audio or visual equipment  Up to £1,000 or unlimited for manufacturer fitted  Y Y
Cover automatically extended for trips in Europe up to 90 days Included  Y Y
New for old replacement for cars up to 12 months old (if policyholder is the first and only registered owner of the car)  Included  Y X
Cover for loss or damage to clothing and personal belongings while they're in your car Up to £250  Y X
Medical expenses for each person injured, if the insured car is involved in an accident  Up to £200  Y X
Personal accident cover - if, for example, you or your partner are accidentally injured while travelling in a car  Up to £5,000  Y X
Emergency accommodation costs for one overnight stay, for you and your passengers, if your car cannot be driven home after an accident  Up to £40 (driver only) Up to £80 (in total for driver and passengers)  Y X
Optional extras for all types of car insurance cover
Protection for your No Claim Discount so that you can make up to two fault claims in three years without losing your No Claim Discount. (If you have four or more years No Claim Discount).  Optional
If you have an accident where you're not to blame, Claims Legal Assistance Service will provide up to £100,000 of legal costs to help you claim from the person responsible, as long as there is a better than 50% chance your claim will succeed. 


Examples of what you may claim for include compensation for personal injury, loss of earnings and accident repair costs if you don't have comprehensive cover. 

Green Flag breakdown cover with a range of cover levels including £10 cashback in the unlikely event that we don't get to you within an hour.  Optional


Summary of our breakdown cover

Included Prudential Breakdown Service Prudential Homecall Service Prudential Rescue Service Prudential Homecall & Rescue Service Prudential Advanced Rescue Service
Roadside assistance Y Y Y Y Y
Recovery to nearest suitable garage Y Y Y Y Y
No call out charges  Y Y Y Y Y
Cover as soon as you are 1/4 mile from your home Y Y Y Y Y
Message relay service to friends and family  Y Y Y Y Y
Cover at your home address  X Y X Y Y
Vehicle and passengers recovered to preferred destination in the UK  Y Y Y
Choice of hire car / cost of alternative transport / overnight accommodation  X X X Y Y
Cost of a single standard rail fare to collect your car X X Y Y
European cover (for vehicles less than 16 years old)  X X Y

To register a new claim or follow up a claim call 0345 605 9267.

Lines are open 8am to 8pm Monday to Friday, 9am to 5pm on Saturday and 10am to 5pm on Sunday.

To help us log your claim please have the following information to hand:

  • Police reference number.
  • Car insurance policy number
  • Details of the accident
  • Details of any other drivers involved
  • Details of any witnesses to the accident.

If your windscreen is damaged please call 0800 328 9150.

Lines are open 24 hours a days, 365 days a year.

For 24-hour accident recovery please call 0800 032 4161.

Lines are open 24 hours a days, 365 days a year.

For legal advice call 0345 246 3565.

Lines are open 24 hours a days, 365 days a year.

Tell us of your Legal Assistance Service claim when you report your accident to our motor claims department. Your details will then be passed to our specialist Motor Legal claims department who will get your claim moving as quickly as possible.

What happens next?

Our Motor Legal claims department will review the details of your accident and check you have a valid claim under Claims Legal Assistance Service cover. If you have a valid claim, we will confirm that your policy will cover legal costs charged by a solicitor, as long as you follow the solicitor's advice and there is more than a 50% chance your claim will succeed. A solicitor will then be instructed to act on your behalf to pursue recovery of your losses from the driver responsible. We will cover all the legal costs of this claim in accordance with the policy terms and conditions.

Finalising your claim

Most cases are resolved through negotiation, but a minority go to Court. How quickly the claim is settled will depend on the circumstances of the accident, whether the other driver accepts responsibility for the accident and the extent of the injuries or losses being claimed for.

The amount you have to pay towards each claim. If you are over 21 years of age you can select a voluntary excess, in return for a reduction in premium.

Any claim where the insurer can't recover their full costs from another party. This would include things like theft, vandalism, hit and run or accidents involving only one vehicle. It's not a comment on who's to blame for an incident.

A non-fault claim is where the insurer can make a full recovery of their costs. It's not a comment on who's to blame for an incident.

Important information

We are not recommending one option over another.

Prudential insurance is underwritten by U K Insurance Limited. Registered Office: The Wharf, Neville Street, Leeds, LS1 4AZ, Registered in England and Wales, No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Note the Prudential insurance section contain links to pages outside the Prudential financial services website, which will be outside the scope of Prudential's regulatory protections. Prudential accepts no responsibility whatsoever, whether directly or indirectly, for any information contained in pages that may be accessed from this website. Prudential reserves the right to extend or withdraw any offers without notice and at any time.