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Over 50 and going places

Simple, straightforward 5 Star cover for your car

Get a free quote for SunLife Car Insurance Retrieve a quote

Car insurance, man leaning against a red car.

Why choose SunLife Car Insurance?

5 Star Defaqto rating

means quality cover

Competitive quotes

from a panel of carefully-selected insurers

24/7 claims line

for round-the-clock peace of mind

Uninsured driver promise

the excess amount will be refunded in the event of a claim where damage is caused by an uninsured driver

Benefits of SunLife Car Insurance

  • Protection if your vehicle is vandalised, damaged, stolen or destroyed in a fire
  • Up to £100 per person, with a maximum of £500 per incident, for emergency transport or overnight accommodation
  • Up to £200 cover per person for medical expenses
  • Up to £150 cover for the contents of your vehicle
  • A range of optional extras to suit your needs
  • SunLife Car Insurance is arranged and administered by BISL Limited, offering you quotes from a selection of insurers
  • You can choose to pay for your policy annually or monthly (subject to status)
  • Premiums are reviewed if you make a mid-term adjustment

The benefits of SunLife Car Insurance that are featured here are all included with fully comprehensive cover. Third party, fire and theft and third party only cover is also available with reduced benefits. Further policy information is available when you get a quote from us.

What's covered?

Uninsured driver promise If you make a claim because your car is damaged in an accident that is proven to be the fault of an uninsured motorist, the excess amount will be refunded. You will need to provide the vehicle registration, make and model of the 3rd party vehicle when you make the claim.

Vandalism promise If your car is damaged through vandalism, the excess amount will be refunded.

Personal accident Cover up to £10,000 per incident.

Medical expenses Cover up to £200 per person.

Car audio and entertainment equipment You’ll have unlimited cover if the equipment was originally fitted at the point of manufacture. If it was not fitted by the manufacturer, you’ll have cover up to £500.

Personal belongings Cover up to £150.

Replacement locks Cover up to £500 in the event your keys are stolen.

Travelling abroad You’ll be covered for up to 60 days travelling within the EU and selected countries, to the level you’re insured for in the UK.

Child seat cover Cover up to £300.

Emergency transport and accommodation Cover for £100 per person and up to £500 in total.

Glass damage You’ll have unlimited cover if the repairs or replacements are carried out by one of BISL Limited’s suppliers. If they are carried out by your own supplier, you’ll have cover up to £150. There is an excess of £75 for replacement, regardless of whether you’re using approved or 3rd party repairers.

New Car Benefit You could receive a replacement car of the same make, model and specification if the loss or damage happens within 12 months from the date your car was first registered, and the cost of repairs to your car is worth more than 50% of the cost of buying an identical new car at the time of the claim.

Liability to others If you are involved in an accident which causes death or bodily injury, you will have unlimited cover. If you are involved in an accident which causes damage to someone else’s property, you will have cover up to £20,000,000.

There are limitations and exclusions – please check the sample policy document when you get your quote

Tailor your cover*

You can choose from five optional extras for some additional protection...

  • Breakdown cover
  • Guaranteed replacement car
  • No Claims Discount protection
  • Motor legal protection
  • Keycare

*Additional charge applies

Your Online Self Service Centre

If you're already a SunLife Car Insurance customer, you can manage it at the Online Self Service Centre. With a simple log-in, you can:

  • access your policy online, 24/7
  • view, download and print policy documents
  • make a payment
  • change your payment details

Visit the Online Self Service Centre

Alternatively you can call SunLife Car Insurance on 0330 018 2886 for any query regarding your policy.

Frequently asked questions

What type of cover could I get?

SunLife Car Insurance offers comprehensive cover, third party only and third party, fire and theft. Comprehensive cover is the highest level of cover available in the UK. It provides cover for injuries to other people and damage to their vehicles, your vehicle being damaged, stolen or destroyed in a fire, medical expenses and accidental damage, the cost of replacing your vehicle’s contents. Third party, fire and theft covers Loss or damage to the car and its accessories caused by fire, theft or attempted theft. Third party only covers damage caused to other vehicles.

What is a policy excess?

An excess is the amount that you have to pay if you make a claim. There are two types of excess:

  1. Compulsory excess This is a fixed amount which you'll have to pay if you make a claim.
  2. Voluntary excess This is an amount that you agree to pay on top of your compulsory excess. You may pay a lower premium if you agree to pay a voluntary excess.
How do I make changes to my policy?

You can view your policy online and make changes by logging into our Online Self Service Centre. Or if you prefer, you can call on 0330 018 2886 directly. Lines are open: Monday to Friday 8am to 9pm, including public holidays. Saturday 9am to 5pm and Sunday 10am to 4pm. There will be a £20 amendment fee for any changes made and additional premiums may apply.

How can I make a claim?

If you would like to make a claim, please call 0330 018 4139. Lines are open 24hrs a day.

Can I insure two cars at the same time?

You can insure two or more cars at the same time but you would need to buy separate policies for each car as we do not offer multi-car insurance. If you have a no claims discount, you can only use it on one vehicle at a time. If it’s already in use on one vehicle, you will need to start at 0 on the other vehicle.

Am I insured to drive someone else's car using this policy?

If you are the main policyholder named on the insurance certificate, you might be able to drive someone else’s car using this policy. You’ll need to check the wording on your certificate of insurance to see if it is shown there. If it is, you will be covered for third party only and you must have the permission from the owner of the other vehicle and it must have a valid insurance policy. If it is not mentioned, this means that you are not insured to drive someone else’s car using your policy.

Get a quote for car insurance

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

Phoenix Life Limited trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. Phoenix Life Limited’s registered office is at 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 1016269). 

SunLife Limited distributes financial products and services and is a company limited by shares, registered office: 1 Wythall Green Way, Wythall, Birmingham, B47 6WG (registered in England, no. 05460862). SunLife Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 769427).

You can contact us by post at SunLife, PO Box 1395, Peterborough, PE2 2TR or by phone on 0800 008 6060.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan, Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

Who provides the Funeral Plans?

Dignity Funerals Ltd arranges and provides the funeral services, registered office: 4 King Edwards Court, Sutton Coldfield, West Midlands, B73 6AP (registered in England and Wales, No. 00041598). Dignity Funerals Ltd is a member of the National Association of Funeral Directors.

The life insurance policy that pays for your funeral will be provided by Phoenix Life Limited, trading as SunLife.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.