Darwin car insurance

Learn more about Darwin car insurance

darwin car insurance logo
Last reviewed 12 December 2022

Why choose Darwin car insurance?

  • Guaranteed repairs
  • Uninsured driver promise
  • New car replacement

Darwin car insurance gives you fully comprehensive car insurance, using the latest digital technology to offer personalised pricing.

As well as covering you for third-party risks and accidents where you’re at fault, Darwin car insurance includes a variety of additional benefits like including guaranteed repairs, uninsured driver promise and new car replacement as standard.

You also have a choice of optional extras like breakdown cover and protected no claim discount, giving you the flexibility to add more cover to suit your needs.

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Who is Darwin?

Darwin uses the latest cutting-edge digital technology to better understand car insurance customers and offer more personalised pricing.

Owned by Direct Line Group, Darwin was set up in 2018. As a new brand of car insurance, Darwin mainly gives quotes through price comparison websites.

Among the other car insurance brands owned by the Direct Line Group are Privilege, Direct Line and Churchill. Since it was founded in 1985, Bromley-based Direct Line Group has grown rapidly. It’s listed on the London stock exchange and employs around 10,500 people.

Darwin car insurance is underwritten by UK Insurance Ltd and arranged/administered by iGO4 Ltd.

Darwin car insurance policy details

Darwin only offers comprehensive car insurance. You’ll be covered for everything you get with a third party, fire and theft policy, including injury to other people and their property. You’ll also be insured even for accidents where you’re at fault.

Darwin offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included

Here are some of the key benefits included with Darwin car insurance:

  • Guaranteed repairs
  • Uninsured driver promise
  • New car replacement
  • Courtesy car
  • Personal accident
  • Medical expenses
  • Windscreen damage
  • Child car seat cover
  • Driving abroad

If you’re in an accident, the good news is that you’ll get guaranteed repairs to your car. Darwin car insurance gives you a 5 year guarantee on repairs provided you use one of its approved repairers. And while your car is being repaired, you’ll also get a courtesy car.

If you're involved in an accident where your car is written off, Darwin’s new car replacement means you can get a replacement of the same make and model if your car was under 12 months old.

If your car is hit by an uninsured driver, then Darwin car insurance uninsured driver promise means you won’t have to pay excess on any claim you make. And your no claim discount will be protected.

You get personal accident cover as standard with Darwin car insurance, so the policy can pay out if a car accident results in death or permanent disability. You can also claim medical expenses for each person injured.

Darwin car insurance windscreen damage cover can replace or repair broken glass in the windscreen, sunroof or windows of your car. It also lets you claim to repair any scratching to bodywork caused by broken glass. When you make a claim on the windscreen cover, you won’t lose your no claim discount.

Child car seat cover comes as standard with Darwin car insurance. In the instance of an accident or damage from fire or theft, you can claim for the cost of replacing a child car seat with a new one of a similar standard.

You’re also covered for driving abroad for up to 90 days in various European countries.

Darwin car insurance optional extras

Optional extras give you the flexibility to tailor cover to your needs. Here’s what you can choose to add on with Darwin car insurance:

Darwin's protected no claim discount means your no claim discount won’t be impacted by either 1 claim made during your current policy period or by 2 claims over the 3 previous years of car insurance.

Motor legal protection lets you claim the legal costs to recover uninsured losses if you’re in an accident where someone else is to blame.

Guaranteed hire car plus means you can get a hire car while Darwin car insurance is dealing with your claim. This includes if you’re claiming for damage to your car due to accident, fire or theft, or if it’s stolen and not recovered.

With Darwin car insurance you can choose between 2 levels of breakdown cover:

Rescue breakdown cover includes:

  • Roadside help as soon as you’re ¼ mile from home
  • Recovery to the nearest suitable garage
  • Pass-a-message, so friends and family know what's going on

Recovery plus breakdown cover includes:

  • Misfuelling cover in the UK
  • Cover at your home address
  • Recovery for your car and passengers to a preferred UK destination
  • Choice of hire car/cost of alternative transport/overnight accommodation
  • Cost of single standard rail fare to collect your car

Contact Darwin

You can speak to Darwin car insurance on 01733 300017.

You can also write to them at:

Darwin Insurance
C/O iGO4 Limited
iGO4 House
Staniland Way
Peterborough
PE4 6JT

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