DNA Insurance car insurance review

Here's our analysis of DNA Insurance, a broker that offers specialist car insurance for classic, high-performance or modified cars and cover for convicted drivers.


Fact checked

DNA Insurance claims to offer cheap car insurance with discounts of up to 75% to a range of drivers and specialist cars. And the broker, that also provides taxi and short term insurance says every car cover policy includes legal protection should a dispute arise following an accident. Here’s what else you should know about DNA Insurance.

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Who is DNA Insurance?

DNA Insurance is a broker that sources car insurance as well as taxi, van, minibus, travel, home, motor trade and landlord insurance.

DNA Insurance Services Ltd was established in 2003.

What are DNA’s levels of cover?

DNA Insurance’s Third party cover

Third party cover is the minimum level of cover that DNA Insurance offers. To be on UK roads, all drivers are legally required to have at least this level of car insurance. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. You won’t be protected for any damage to your own car. And don’t assume this is the cheapest option because it offers the least protection. Sometimes, this cover may work out more expensive than comprehensive. Check each cover level to see which offers the best value for you.

DNA Insurance’s Third party, fire and theft cover

You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.

DNA Insurance’s Comprehensive cover

This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.

What is covered under my DNA Insurance policy?

The specific benefits to your insurance policy will vary depending on the level of cover you choose and the insurer that can provide it through DNA Insurance.

Check your policy details to ensure you have the right cover for your needs.

Optional extras

DNA Insurance offers policy bolt-ons including:

  • Breakdown cover
  • Guaranteed vehicle cover
  • No-claims bonus protection
  • Windscreen cover
  • Excess buyback
  • Gadget insurance

General exclusions

Any cover arranged through DNA Insurance is likely to become invalid if any of the following arises:

  • You fail to pay for your premium.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your car insurance policy through DNA Insurance

  • Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
  • Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for DNA Insurance?

You should call the DNA Insurance 24-hour claims line on 0800 288 9477 to report a claim. Or you can complete a form on the DNA website to log your claim.

DNA Insurance recommends that you gather the following information:

  • Your policy number and contact details
  • Details about the incident
  • Names and contact details for everyone involved such as third parties, passengers and witnesses
  • Photographs, if available

It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

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.

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