Darwin Car Insurance Review

antoine fruchard Antoine Fruchard  updated on September 10, 2020

This is the ultimate review to guide you through Darwin car insurance.

You might already know that Darwin 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.

Is Darwin 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.

We’ve studied in detail Darwin car policy terms and conditions and given our own ratings based on different criteria.

4,0 Safe overall rating for Darwin

Our ratingOur opinion
Customer service & satisfaction

5 star rating on Defaqto
Comprehensive FAQs section
2,6/5 on Trustpilot

Cover provided

New car replacement is offered
A Courtesy Car is provided for the duration of repair
Availability of extra optional covers such as Guaranteed Hire Car Plus
90 days of minimum cover is provided for use in foreign countries
Only the Comprehensive cover option is offered

Value for money

No Claims Discount available and can be transferred to other users
Policy cancellation after 14 days costs £50

Financial strength for pay out

Darwin insurance is regulated by FCA and PRA
Policy underwritten by U K Insurance Ltd

Technology

The website is user friendly and can be easily navigated
Quotes can be generated and updated online
Policy documents can be accessed and uploaded online
No live chat feature is offered
No black box insurance offered
No claim portal or form online

Safe rating for Darwin

Expert and customer reviews on Darwin

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Darwin’s reputation.

Review organisationConsumer satisfaction rates for Darwin
Defaqto expert rating for Darwin defaqto 5 stars
TrustPilot2,6/5
Consumer satisfaction rates on reviews for Darwin

To check if Darwin is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

Finally, compare best car insurance in less than 20 secs without giving your email.
No spamming, promise.

Compare

Our review on Darwin car insurance policy

Darwin car insurance aims to offer comprehensive car insurance policy (only) in a simple and smart way as the slogan emphasizes on. The website is simple and organized with accessible information.
The company is regulated by the FCA and the Prudential Regulation Authority and its policies are underwritten by U K Insurance Limited which means the financial strength is good. The company is rated 5 stars by Defaqto expert. However, Trustpilot reviews for Darwin are only average (2,9/5), mainly mentioning that the online portal experience is quite poor. On the other hand, the company has 24/7 helplines to help customers.

In overall, the car insurance company offers comprehensive cover with keycare cover, windscreen cover, personal accident cover, medical expenses cover, audio equipment cover as standard. But you will need to consult your policy schedule to exactly know what is covered.

Optional extras like Motor legal protection, Breakdown cover, Guaranteed Hire Car Plus are available to tailor your comprehensive policy depending on what you need. We always recommend to add those extras to your comprehensive offer as roadside assistance for instance will always be needed once in a lifetime.

In overall, the company offers comprehensive policy with average level of cover. With Darwin, you can get up to 9 years NCB and NCB protection optional extra is available allowing you to make 2 claims in 3 years. However, no discounts or cashbacks apart from NCB are available and you will get to pay admin charges for cancellation for instance.

What does Darwin car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Darwin?

Car insurance policyAvailable at DarwinCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Darwin

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Darwin explained in details

Let’s find out what does Darwin covers in its car insurance policy.

Breakdown cover at Darwin

This is provided as an optional extra and two levels of covers are provided:
Rescue – this level of cover includes the following:

  • Roadside help: 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. The car would also be 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 to drive, 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

With Darwin car insurance, you can choose to either opt for a repair or a 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

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

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.

Personal policy injury available at Darwin

Darwin insurance provides Personal accident cover in the case of:

  • death
  • total irrecoverable loss of sight in one or both eyes (three months after the accident)
  • loss of any limb.
    The amount provided is listed on the policy schedule available only to the policyholder.

Coverage abroad at Darwin

Abroad coverage is available and 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).

Courtesy car at Darwin

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 .

No-Claim Bonus (NCB) at Darwin

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.

Claims made for windscreen repairs would not affect your No Claims Bonus.

At Darwin, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 2 claim in 3 years.

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. 

Darwin car insurance terms and conditions

How much does Darwin car insurance cost?

You’ll find below indicative car insurance quotes at Darwin:

Drivers’ageMonthly premium
18 years old£102,98
40 years old £42,47
60 years old£31,31
Quotes above are for a comprehensive car insurance – eco car, clean record driver, Liverpool

Costs of Darwin 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.

Is there any promo codes or discounts available at Darwin?

Apart from the No Claims Discount, no other type of discount is offered at Darwin.

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.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Darwin car insurance policy summarized

Guarantees

At Darwin
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysMarket value
Personal belongingsAmount is only shown in the schedule
Audio equipment

Amount is only shown in the schedule

Medical expenses

Amount is only shown in the schedule

Liability limit for property damage£20,000,000
Legal expense£100,000
Courtesy car benefit

As standard

Courtesy car cover

Duration of repair

Coverage abroad

90 days

Guarantees at Darwin

Excess

At Darwin
Fire excessPolicy schedule
Theft excessPolicy schedule
Accidental damage excessPolicy schedule
Windscreen replacement excessAmount is only shown in the schedule
Young driver excess

Policy schedule

Excess at Darwin

Admin fees

At Darwin
Interest charged by payment installments

Not Stated

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period: £25
Cancellation fees outside cooling off period: £50

Modification fees

Adjustment fee: £0 online/£25 by phone

Admin fees at Darwin

Other car insurance policies available at Darwin

Darwin 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.

How to contact Darwin auto insurance?

Darwin phone numbers 

You will find all important phone numbers to contact Darwin car insurance:

Contact numberOpening hours

Customer Service

0345 246 2083

Not Stated

Policy renewal

0345 246 2083

Not Stated

Claims

0345 246 2089

Available 24/7

Complaints for claims

0345 246 2089

Not Stated

Breakdown

0800 400 600

Available 24/7

24 hour glass hotline

0800 328 9150

Available 24/7

Contact numbers at Darwin

Darwin other contact details

You’ll find below Darwin main contact details:

Contact details of Darwin
Email address

[email protected]

Customer account with Darwin login

My account

Social mediano
ChatbotNo
Contact details at Darwin

You can also contact them by mail by writing to Darwin car insurance:

Darwin Insurance
iGO4 Limited
iGO4 House
Staniland Way
Peterborough
PE4 6JT

How to claim at Darwin?

If you need to make a claim at Darwin, you will need to contact the helpline at the number: 0345 246 2089.
If you want to report a windscreen or a window claim, you can directly contact Darwin Autoglass partner at: 0800 328 9150.

ServiceCar claim
Claim process at Darwin

How to cancel your car insurance at Darwin?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract’s anniversary date.

Since car insurance is a legal requirement, Darwin as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Darwin has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days – the cooling off period – to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

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 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’.