Why choose SunLife Car Insurance?
5 Star Defaqto rating
means quality cover
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
- 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.
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
*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
Alternatively you can call SunLife Car Insurance on 0330 018 2886 for any query regarding your policy.
Frequently asked questions
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.
An excess is the amount that you have to pay if you make a claim. There are two types of excess:
- Compulsory excess This is a fixed amount which you'll have to pay if you make a claim.
- 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.
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.
If you would like to make a claim, please call 0330 018 4139. Lines are open 24hrs a day.
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.
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.