{"id":479934,"date":"2023-02-24T15:50:34","date_gmt":"2023-02-24T15:50:34","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=479934"},"modified":"2026-01-05T10:46:05","modified_gmt":"2026-01-05T10:46:05","slug":"vitality-car-insurance-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/vitality-car-insurance-review","title":{"rendered":"Vitality car insurance review"},"content":{"rendered":"

Best known for its rewards-based health insurance, Vitality now also offers car insurance that aims to reward careful and\/or greener driving habits with cashback, discounts and free coffees. Read on to find out more about how it works, and whether the perks and quality of cover justify adding Vitality to your car insurance shortlist next time you renew.<\/p>

Who is Vitality?<\/h3>

You may be familiar with Vitality (previously known as PruHealth and PruProtect) as one of the UK’s biggest providers of health insurance and life insurance.<\/a> In both cases, Vitality offers rewards for living a healthier lifestyle, which entitle you to vouchers and discounts for anything from a takeaway coffee to a smart watch.<\/p>

In 2021, Vitality branched out into car insurance, in partnership with underwriter Covea. As with its health products, Vitality’s taken a similar, rewards-based approach. When you take out a car insurance plan, Vitality sends you a sensor to install in your car \u2013 a form of telematics-based insurance (though Vitality won’t increase your premium for poor driving, unlike some telematics policies<\/a>). You link this to a Vitality Member app on your smartphone. Vitality can then measure how well you drive. In exchange for safe, careful driving you can earn cashback on your premium plus points to get you further benefits.<\/p>

The sensor alerts Vitality if you’ve been in an accident, so it can more easily get help to you if required.<\/p>

You can take out Vitality car insurance without installing and using the sensor, but you won’t benefit from any cashback on your premiums or build up any rewards.<\/p>

Vitality’s parent company is Discovery Limited, a multinational financial services organisation based in South Africa.<\/p><\/div><\/div><\/div>

Who underwrites Vitality car insurance?<\/h3>

Covea Insurance plc underwrites and administer Vitality car insurance.<\/p>

Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). It’s permitted by the FCA to act as a general insurance intermediary and credit broker. You can find more details about its authorisation on the Financial Services Register<\/a>.<\/p>

What are Vitality’s car cover options?<\/h3>

Vitality only offers comprehensive car insurance \u2013 so if you’re looking for third-party<\/a> or third-party, fire and theft<\/a> cover, you’ll need to look elsewhere. Its comprehensive policy is 5-star rated by insurance analyst Defaqto, and it doesn’t charge any admin fees<\/a> for mid-term adjustments.<\/p>

Its car insurance is available to permanent UK residents aged between 18 and 85 from the cover start date. It doesn’t offer multi-car cover<\/a>, but you can add up to 3 named drivers<\/a> to your policy if you wish.<\/p>

Our table below summarises what’s included with Vitality car insurance.<\/p><\/div><\/div><\/div>

\n \n
Product Name<\/th>Vitality car insurance<\/td><\/tr>
Damage to your car<\/th>\u2713<\/td><\/tr>
Damaged windscreen and window glass<\/th>\u2713<\/td><\/tr>
Fire and theft<\/th>\u2713<\/td><\/tr>
Personal accident cover<\/th>\u2713<\/td><\/tr>
Medical expenses<\/th>\u2713<\/td><\/tr>
Personal belongings<\/th>\u2713<\/td><\/tr>
Liabilities to third parties<\/th>\u2713<\/td><\/tr>
Using the car abroad<\/th>\u2713<\/td><\/tr>
Alternative travel costs<\/th>\u2713<\/td><\/tr>
No-claims discount<\/th>\u2713<\/td><\/tr>
Replacement locks<\/th>\u2713<\/td><\/tr>
Permanently fitted audio equipment<\/th>\u2713<\/td><\/tr>\n <\/tbody>\n <\/table><\/div>

How do I earn Vitality car insurance rewards?<\/h3>

To benefit from rewards and discounts on your Vitality car insurance, you’ll need to install the free sensor it sends you in your car and link it to a Vitality Member smartphone app. Vitality will use the sensor and the app to track your driving behaviours for each trip. Aspects of your driving it measures include:<\/p>