This is the ultimate review to guide you through Darwin insurance car insurance.
You might already know that Darwin insurance offers several car insurance policy options.
Some are great, others not so much.
So if you want to get better value for money for your car insurance, indicative quotes and tips to lower your insurance premium, then you might love the following article.
Let’s dive right in.
Table of Contents
Is Darwin insurance the best car insurance provider?
Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.
At Safe, we’ve studied in detail Darwin insurance car policy terms and conditions and given our own ratings based on different criteria:
3,4 Safe overall rating for Darwin insurance
|Safe rating||Our opinion|
|Customer service & satisfaction|
5 star rating on Defaqto
New car replacement is offered
|Value for money|
No Claims Discount available and can be transferred to other users
|Financial strength for pay out|
Darwin insurance is regulated by Financial Conduct Authority and the Prudential Regulation Authority and some of its insurance policies are underwritten by iGO4 insurance.
The website is user friendly and can be easily navigated
Customer satisfaction rates based on consumers reviews
We compiled customer satisfaction rates from independent institutions, to give you an overall idea of Darwin insurance’s reputation.
|Review organisation||Consumer satisfaction rates for Darwin insurance|
To check if Darwin insurance is the right car insurance for you, you can use our free car insurance insurance comparison platform and get quotes from main insurance companies in a few seconds only without having to give any personal information.
Do we recommend Darwin insurance car insurance policy?
Darwin car insurance is regulated by Financial Conduct Authority and the Prudential Regulation Authority and some of its insurance policies are underwritten by iGO4 insurance.
The car insurance company only offers the Comprehensive cover policy and options like the Keycare cover, Windscreen cover, Personal accident cover, medical expenses cover, audio equipment cover are provided as a standard with this policy.
Other cover options like Motor legal protection, Breakdown cover, Guaranteed Hire Car Plus are provided as optional extras. It is recommended to add these cover options to the comprehensive cover. Darwin car insurance has a five star rating from Defaqto and overall, the insurance company is recommended especially for drivers looking for reliable insurance.
What does Darwin insurance car insurance policy include?
Darwin insurance proposes different types of policies, let’s look at the features of each insurance policy.
Is Third-party only, third-party fire and theft and comprehensive cover available at Darwin insurance?
Below you’ll find the different levels of cover available (or not) at Darwin insurance for a standard single car insurance.
In general, car insurance falls into three main levels of cover :
|Car insurance policy||Available at Darwin insurance||Coverage in a nutshell|
|Third-Party Fire and Theft|
Keep in mind that you can always take one of those policies and add selected upgrades on top of your basic contract.
What are the extras available at Darwin insurance?
At Darwin insurance, you can choose among different policy upgrades, either already included in your car insurance policy or added as upgrades.
You will find each offer detailed in the below section.
Breakdown cover at Darwin insurance
This is provided as an optional extra and two levels of covers are provided:
Rescue: this level of cover includes the following:
- Roadside help: provisions are made for roadside assistance in the case that the driver’s car breaks down
- Local recovery: alternative sources of transportation are provided for the driver and the passengers. Also, the car is taken to an approve repairer in the case that it cannot be repaired immediately
- Next-day collection: in the case that the repairer is not available at the time of the breakdown, the car can be collected and taken to the repairer the next day
- Pass-a-message: messages are passed acrossed to the driver’s family in the case of a breakdown.
Recovery Plus: this level of cover includes:the benefits of the Rescue cover and in addition:
- Home breakdown: rescue or recovery services are provided even if the driver breakdown close to his/her home
- Emergency driver: in the case that the driver is sick and is not capable of driver, a driver is provided by Darwin car insurance
- Misfuelling: cover is provided in the case of a misfuelling incident. In this case, the driver can pick any of the following options: alternate transportation (in the case that the car cannot be repaired immediately, the driver and passengers are provided transportation to their destination) / temporary hire car (a temporaty vehicle which would be as similar to the driver’s faulty car. The temporary vehicle would come with a maximum engine size of 1600cc) / overnight stay (accommodation is provided for the driver and passengers with a limit of £150 for each passenger).
Keycare cover at Darwin insurance
Darwin car insurance can choose to either opt for a repair or outright replacement of the damaged keys and this includes the costs of locksmith fees.
In the case that the key was stolen, the driver would pay the theft excess which is available in the quotes schedule. If your keys are lost or damaged, the driver would have to pay the accidental damage excess.
Windscreen cover at Darwin insurance
The windscreen cover provides protection in the case that there is a need to either replace or repair broken glass in the windscreen, sunroof or windows of the vehicle and also, in the case that damage has been done to the body of the vehicle as a result of the broken glass. It also covers the cost for the roof and windscreen replacement. The No Claim Discount is not affected.
Motor legal protection at Darwin insurance
In the case of an accident which was not the fault of the driver, a sum of £100,000 to cover for legal costs and expenses and also uninsured losses.
Hire vehicle cover at Darwin insurance
Darwin insurance provides the Hire Vehicle Option and it offers the following:
- Up to 21 days provision of a temporary car that is similar to your car if yours is written off or has been stolen or is undergoing repairs
- In case that a hire car could not be provided, a sum of 50 a day and up to a maximum of £500 for the next 21 days is provided to cover the travel costs .
Personal policy injury available at Darwin insurance
Darwin insurance provides Personal accident cover in the case that three months after the accident, the inuries sustained results in:
- total irrecoverable loss of sight in one or both eyes
- loss of any limb.
The amount provided is listed on the policy schedule available only to the policyholder.
What are the different car insurance types available at Darwin insurance?
Besides the three level of cover mentioned above, Darwin insurance also offers different types of insurance to fit everyone’s needs.
|Multi-car or fleet insurance|
|Telematics or black-box policy|
|Classic car insurance|
|Temporary car insurance|
|Learner driver car insurance|
|Business car insurance|
|No Claim Bonus|
You want to know more about this car insurance types? check out our guides!
How much does Darwin insurance car insurance cost?
You might be aware of the fact that there are certain situations where your car insurance policy premium may be drastically high. An example of this case is if you are a young driver.
You’ll find below indicative car insurance quotes at Darwin insurance:
|18 years old||£102,98|
|40 years old||£42,47|
|60 years old||£31,31|
Costs of Darwin insurance insurance car policies vary widely based on different factors such as:
- The driver’s age
- The date on which they received their driving licence
- The type of car
- Expected repair costs if the car is damaged
- The performance, safety and security of the car
- The driver’s address and how busy the streets in the neighbourhood are
- Who drives the car (any additional driver on the policy)
- The driver’s record of accidents and claims (number of injuries, No Claim Bonus etc.)
- Insurance taxes.
The higher risk you represent, the more expensive your policy will be.
What are Darwin insurance discounts on car insurance?
You must know that different discounts are often available when you subscribe to a car insurance policy. Whether you are new to the company, a new driver, or you have been driving safely for years, you can often get discount rates to reduce your insurance premium.
Apart from the No Claims Discount, no other type of discount is offered.
If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.
It is possible to save on your car insurance, check out our 13 tops tips to cut your insurance premiums and start saving!
What are Darwin insurance auto insurance policies detailed?
Darwin insurance coverage abroad
Abroad coverage is available under the cover policies provided and this coverage allows the holders to travel through Europe for 90 days. The list of countries includes:
Republic of Ireland, Northern Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
Darwin insurance business car insurance
Darwin offers the following cover options:
- Social, Domestic and Pleasure (SDP)
- Social, Domestic, Pleasure and Commuting (SDPC)
- SDPC & Business Use.
Further details as regarding Business use can be found in the Certificate of Motor Insurance which is only available to policyholders.
Darwin insurance No-Claim Bonus (NCB)
A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium.
The NCB will keep increasing every year provided the driver does not get involved in any incident that may require having to file a claim. The driver can accumulate NCD for up to 9 years.
How does a claim affect my No-Claim Bonus?
Claims made for windscreen repairs would not affect your No Claims Bonus.
At Darwin insurance, your NCB will not be affected until a certain limit:
NCB protection claims (number per year): 2 claim in 3 years.
What are Darwin insurance car insurance policy excess and limits?
This table sums-up Darwin insurance car insurance policy excess and limits.
|At Darwin insurance|
|Interest charged by payment installments|
|Uninsured driver NCB benefit||Yes|
|Loss or theft of keys limit||Excess- Not stated|
Limit- Not stated
|Fire excess||Excess- Not stated|
Limit- Not stated
|Theft excess||Excess- Not stated|
Limit- Not stated
|Accidental damage excess||Excess- Not stated|
Limit- Not stated
|Personal belongings limit||Amount is only shown in the schedule|
|Audio equipment limit|
Amount is only shown in the schedule
|Medical expenses limit|
|Liability limit for property damage||£20,000,000|
|Legal expense limit||£100,000|
|Windscreen replacement excess||Excess- Not stated|
Limit- Not stated
|Courtesy car benefit|
|Courtesy car limit|
Duration of repair
|Driver under 21 excess|
|Coverage abroad limit|
How to contact Darwin insurance auto insurance?
Darwin insurance contact phone number
You will find all important phone numbers to contact Darwin insurance car insurance:
|Contact number||Opening hours|
0345 246 2083
0345 246 2083
0345 246 2089
Complaints for claims
0345 246 2089
0800 400 600
24 hour glass hotline
0800 328 9150
What are Darwin insurance contact details?
This contacts will allow you to contact Darwin insurance quickly and efficiently:
|Contact details of Darwin insurance|
|Customer account with Darwin insurance login|
You can also contact them by mail by writing to Darwin insurance car insurance:
How to cancel Darwin insurance car insurance?
Since car insurance is a legal requirement, Darwin insurance as well as other insurers will renew your contract automatically at the expiry date without any notification from your side.
For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately.
Before your contract comes to an end, Darwin insurance must send you a renewal notice within 14 to 21 days before the anniversary date of your contract.
After sending you the renewal notice, they will automatically renew your insurance contract. You will therefore have 14 days (what we call the cooling off period), to cancel the new contract at reduced cancellation fees.
Other fees may apply if you make some alterations to your contract or if certain events occur during your contract’s operation.
The table below provides more details on modification and cancellation fees charged at Darwin insurance:
Cancellation fees during cooling off period: £25
Adjustment fee: £0 online/£25 by phone
You would need to have various documents ready such as your policy number (right hand corner of your documents), your bank details, and your payment method in case there are cancellation fees.
Darwin insurance could also refuse to cover your car any longer if you don’t pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.