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Over 50 and going places

Simple, straightforward 5 Star cover for your car

Defaqto 5 star rated

Get a free quote for SunLife Car Insurance Retrieve a quote

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

a car driving along a country road surrounded by grass

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 by monthly Direct Debit
  • 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 If you have a vehicle that is less than 12 months old 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 your claim, you will receive a replacement car of the same make, model and specification.

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

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?
How do I make changes to my policy?
How can I make a claim?
Can I insure two cars at the same time?
Am I insured to drive someone else’s car using this 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?

AXA Wealth Ltd 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. AXA Wealth Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, No. 01225468). AXA Wealth Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Wealth Ltd is entered on the Financial Services Register (registration no. 119201).

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). 

‘SunLife’ (comprising of the companies AXA Wealth Services Limited, AXA Wealth Limited and AXA Sun Life Direct Limited) has been acquired by Pearl Life Holdings Limited (and now forms part of the Phoenix Group – www.thephoenixgroup.com). ‘AXA’ is a trademark that is owned by AXA SA and will be used for a short period under a licence granted by AXA SA to the Phoenix Group.

Pearl Life Holdings Limited is registered in England (4560778) at 1 Wythall Green Way, Wythall, Birmingham B47 6WG. As part of the Phoenix Group, AXA Wealth Limited will continue to be authorised by the Prudential Regulation Authority and regulated by Prudential Regulation Authority and Financial Conduct Authority. AXA Wealth Services Limited will continue to be regulated by the Financial Conduct Authority.

You can contact us by post at SunLife, PO Box 7054, Willenhall, WV1 9ZH or by phone on 0800 008 6060. As part of our commitment to quality service and security, calls may be recorded.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by AXA Wealth Ltd, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

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 Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

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.