Two great cover levels, Asda Value

Choose between Defaqto 5 Star rated Car Insurance and Defaqto 3 Star rated Value Car Insurance.

  • 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, 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 car insurance or third party car insurance. So if you’re looking for cheap car insurance, remember we’re also looking for other ways of saving you money.

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

    Other UK motorcar insurance companies may charge extra for breakdown^ or recovery 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 cost of breakdown as an optional policy add on.


  • 24 hour claims helpline

    Because accidents and mishaps don’t happen nine-to-five, you can call upon the Asda 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 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 existing customer 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

    Unlike many other UK car insurance companies, we don’t expect you to pay a penny extra for a car to use, if yours is being repaired. We’ll give you a FREE courtesy car for any event covered by your policy**.

     **Subject to availability for drivers aged 25 years and over

  • 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 existing customer page.

  • Personal belongings cover up to £150

    Take out comprehensive car insurance with Asda, and your bits and pieces inside the car will be covered for up to £150.

Optional add-ons

  • Optional 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

    You can choose to cover any keys attached to your fob. The cover will pay for the replacement of keys, locks and immobiliser fobs.

  • Cover that keeps you on the move

    This cover will get you to your destination following an accident, theft or attempted theft of your car, or any fire or vandalism that leaves it un-driveable. It will also provide cover for Motoring Prosecution Defence and the loss of your licence.