Darwin car insurance review

Find out more about Darwin car insurance, including what's covered under its comprehensive policy and how to make a claim.

Who is Darwin?

Darwin insurance is an innovative UK-based insurance company that forms part of the Direct Line Group. The company is fully regulated by the FCA and the Prudential Regulation Authority.

Who underwrites Darwin’s car insurance?

Darwin’s car insurance policy is underwritten by UK Insurance Limited, which owns several well known brands, including Direct Line, Churchill, Privilege and Green Flag.

What is covered under my policy?

Darwin only offers a comprehensive car insurance policy, which includes the following benefits:

  • Uninsured driver promise
  • Courtesy car up to 21 days (or £50 per day up to a maximum of £500 for 21 days for travel costs)
  • New car replacement benefit (conditions apply)
  • Repairs guaranteed for five years (if done by approved repairers)
  • Personal accident
  • Windscreen cover
  • No claims discount bonus (if applicable)
  • Personal belongings
  • Audio equipment and satellite navigation
  • Liability cover up to £20 million
  • Coverage abroad up to 90 days

Optional extras

For an extra premium, you can add the following benefits to your policy:

  • Motor legal protection
  • Protected no claim discount
  • Guaranteed hire car plus
  • Breakdown cover

How do I contact Darwin?

If you need to manage your policy, the best way to do this is through your online account. Changing your details this way is free, but you will be charged £25 to make changes over the phone.

You can also email Darwin insurance on contact@darwin-insurance.com.

If you do wish to contact customer service over the phone, you can call 0345 246 2083. Lines open Monday to Friday 8am-9pm, Saturday 9am-5pm, Sunday 10am-5pm and Bank Holidays 9am-5pm.

For breakdown assistance, call Green Flag on 0800400600.

To discuss your monthly instalments, call Close Brothers Premium Finance on 0333 321 8566.

What is the claims process for Darwin?

To make a claim on your Darwin car insurance, call 0345 246 2089. Lines are open 24/7.

In case of an emergency, you can call the 24-hour emergency helpline on 0800 051 9958.

For windscreen claims, call Darwin’s windscreen partner Autoglass on 0800 328 9150.

When you call to make a claim, you will need the following information to hand:

  • Your details
  • What happened and what the damage is to your car
  • Whether your car is driveable
  • Where you are
  • Details of any witnesses or third parties who were involved in the incident
  • Details of any passengers in your or the third party’s car
  • Whether the police were involved and any crime reference number

Darwin car insurance customer reviews

On customer reviews platform Trustpilot, Darwin insurance has 4.6 out of 5 stars, giving it a rating of “Excellent”. This is based on more than 9,000 reviews.

Customers praise the ease of use, good value cover and helpful staff, but a few report a less than satisfactory customer service experience.

Darwin car insurance pros and cons


  • Uninsured driver promise included as standard
  • Repairs guaranteed for five years (when you use approved repairers)
  • No administration fee for making changes to the policy online
  • 24/7 claims line available


  • Cancellation fees apply
  • High administration fees for making changes to the policy over the phone
  • Only comprehensive cover available


If you’re looking for a comprehensive policy, Darwin’s offer is a good option. It includes a courtesy car and uninsured driver promise as standard, and has some useful optional extras available.

Darwin is best suited to people who are comfortable managing their policy entirely online, as there is a high administration charge for making changes over the phone. That said, the customer service phone line operates seven days a week with generous opening hours, and it’s even open on bank holidays.

Get started by visiting Darwin’s website and sign up for a policy. If you have read this review and decided that Darwin car insurance is not for you, you can also compare other car insurance policies on the market.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (Mar ’24). 51% of car insurance customers could save £539.54

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