About Asda Car Insurance

Choose between Defaqto 5 Star rated Car Insurance and Asda Value Car Insurance.

Asda Value Car Insurance can provide essential cover that looks after your pocket as much as your car. Or, if you need even more reassurance, you can choose our superior level of cover rated 5 Star by Defaqto.


Defaqto 5 Star rated Car Insurance includes:

  • Defaqto 5 Star rated car insurance

    Since 1994, Defaqto has been independently helping people like you find the right financial product with their 5 Star Rating system. It ranks products by comparing the range of benefits you’ll get. So the more comprehensive the cover, the more stars a product gets.  And because Defaqto is 100% independent, you know with Asda’s 5 Star Rating, you’re getting car insurance that’s not only industry recognised as amongst the best in the market, but is great value too. 


  • Easy to get the right cover for you

    Whether you choose comprehensive car insurance or third party car insurance, you’ll be on the road, safely and legally, knowing you’ve got the cover you need at a price you want. 

  • Up to £100,000 legal expenses cover as standard

    Some companies will charge extra for car insurance legal cover. With Asda 5 Star Car Insurance you'll get up to £100,000 to cover hire, repair and legal expenses - all included at no extra charge. And that's whether you choose comprehensive or third party fire and theft cover.

  • Inclusive breakdown cover and recovery worth £62 for a year*

    Other UK motorcar insurance companies may charge extra for breakdown^ services with their policies. With Asda's Defaqto 5 Star rated cover, you get both included - worth £62*.

    Breakdown cover is included as standard in all Asda 5 Star comprehensive policies where vehicles are no older than 12 years of age. It can be purchased as an optional extra on all other policies.

    *based on the approximate cost of breakdown as an optional extra.


  • 24 hour claims helpline

    Because accidents and mishaps don’t happen nine-to-five, you can call upon the Asda 5 Star Car Insurance 24 hour claims helpline any time, day or night. You’ll be helped back on the road with the minimum of fuss. Asda 5 Star Car Insurance can also assist with other matters such as your No Claims Discounts or claiming back your excess. For claims helpline contact numbers please visit the claims section of our contact us page.

  • 365 days European car insurance as standard

    No need to pay extra for European driving cover. With Asda's Defaqto 5 Star rated cover, it's included as standard, whether you take out comprehensive car insurance or third party car insurance. And that’s all year round too – so wherever you’re going, whatever the season, you’re covered, just as you would be in the UK. Just check your policy details to see which countries are covered and remember, if you want cover for breakdowns on the continent, you’ll still need to take out European Breakdown Cover.

  • A courtesy car – just when you need it

    We know it's essential for you to stay on the road, that's why we'll give you a courtesy car as standard. Unlike many insurance companies we won't ask for an extra penny! **

    **Available on comprehensive Asda 5 Star Car Insurance, provided you use an approved repairer, subject to availability. It may be available on some Asda Value Car Insurance policies, please check your policy documents.

  • Unlimited UK windscreen cover°

    You’ll have unlimited cover for windscreen repairs or replacements when you use an approved repairer°. For windscreen claims contact numbers please visit the windscreen or glass claims section of our contact us page.

    ° For comprehensive policies using an approved repairer. Please check your policy documents as an excess may apply for replacements.

  • Personal belongings cover up to £150^

    With comprehensive 5 Star Car Insurance you can protect your personal belongings when your car is stolen or involved in an accident.

    ^ Exclusions may apply.

Optional 5 Star Car Insurance add-ons

  • No Claims Discount protection

    Naturally, when you’ve built up your No Claims Discount, you don’t want to lose it - even if you make a claim. And if you’ve already built up 4 years No Claims or more, you can choose to protect it - whether you take out comprehensive or third party car insurance.

  • Key Cover option up to £1,500

    Get comprehensive protection for your keys. You can cover all your keys attached to your fob. 

    This includes replacement keys, locks and immobilizer fobs. We'll also cover the cost of a hire car and onward transport costs. We'll even encourage finders by giving them a £10 reward.

    Unlike other claims, even if you don't have your NCD protection, a key cover claim won't affect it.

    Your claims helpline is available 24 hours 365 days.