Sunlife Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

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

You might already know that Sunlife 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
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Sunlife 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 Sunlife car policy terms and conditions and given our own ratings based on different criteria.

4 Safe overall rating for Sunlife

Our ratingOur opinion
Customer service & satisfaction

High customer satisfaction rate on Trust Pilot
Online customer portal for existing customers
24/7 Claims line available
No live chat feature
No policy documents available on website

Cover provided

Sunlife is a specialist insurance company focused on drivers over the age of 50 and works with a panel of insurers to offer the best priced insurance covers to their customers
All 3 levels of cover are available: Comprehensive, FT&TP and Third Party Only
Uninsured Drivers Promise, Medical Expenses and Car Contents Cover are included as standard in the Comprehensive Level of Cover
No wide range of options available

Value for money

Fairly priced premiums
Availability of No Claims Discount

Financial strength for pay out

SunLife’s Car Insurance is underwritten by BISL Limited, one of the leading insurance companies in the UK which gives the company a high ability to pay out claims.

Technology

User friendly website
Online customer portal
No live chat feature

Safe rating for Sunlife

Expert and customer reviews on Sunlife

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

Review organisationConsumer satisfaction rates for Sunlife
TrustPilot4,7/5 based on more than 1350 opinions
Consumer satisfaction rates on reviews for Sunlife

To check if Sunlife 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.

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Our review on Sunlife car insurance policy

Sunlife is a specialist insurance company focused on drivers over the age of 50 and works with a panel of insurers such as BISL Limited to offer the best priced insurance covers to their customers.

Their car insurance is available across all 3 levels of cover: Comprehensive, FT&TP and Third Party Only. In addition to the main levels of cover, there are optional extras to choose from such as Breakdown Cover, No Claims Protection Cover, Replacement Vehicle Cover, Legal Expense Cover and Keycare Cover.

Unfortunately, Sunlife has not disclosed adequate information about their car insurance covers on their website or provided any policy documents. Therefore, we would advise you to request for policy documents during the application process so as to be aware what you’re covered for.

We would recommend this company to drivers over the age of 50 who might find it hard to get insurance covers for their cars.

What does Sunlife car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Sunlife?

Car insurance policyAvailable at SunlifeCoverage 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 Sunlife

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

Main guarantees at Sunlife explained in details

Let's find out what does Sunlife covers in its car insurance policy.

Breakdown cover at Sunlife

Available but details not stated.

Keycare cover at Sunlife

Available but details not stated.

Windscreen cover at Sunlife

Available but details not stated.

Motor legal protection at Sunlife

Available but details not stated.

Personal policy injury available at Sunlife

No details stated.

Coverage abroad at Sunlife

Abroad coverage is available although the details have not been disclosed on their website. We would advise you to contact Sunlife directly to enquire about this.

Courtesy car at Sunlife

Available but details not stated.

No-Claim Bonus (NCB) at Sunlife

Your NCB will keep increasing every year provided you don’t get yourself involved in any incident that may require you to file for a claim or have a claim filed against you. NCD protection is available at an extra fee.

If the incident caused was not your fault and Sunlife was able to recover all costs from the responsible party, your NCB will not be affected. However, if they’re not able to recover the costs of the incident, your NCB will be affected.

At Sunlife, 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.

Details not stated.

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. 

Sunlife car insurance terms and conditions

How much does Sunlife car insurance cost?

You'll find below indicative car insurance quotes at Sunlife:

Drivers'ageMonthly premium
18 years old£106,26
40 years old £43,82
60 years old£32,31
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Sunlife 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 Sunlife?

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.

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

Sunlife car insurance policy summarized

Guarantees

At Sunlife
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Not stated
Limit- Not stated
Personal belongingsExcess- Not stated
Limit- Not stated
Audio equipment

Excess- Not stated
Limit- Not stated

Medical expenses

Excess- Not stated
Limit- Not stated

Liability limit for property damageNot Stated
Legal expenseNot Stated
Courtesy car benefit

Not Stated

Courtesy car cover

Not Stated

Coverage abroad

Not Stated

Guarantees at Sunlife

Excess

At Sunlife
Fire excessExcess- Not stated
Limit- Not stated
Theft excessExcess- Not stated
Limit- Not stated
Accidental damage excessNot Stated
Windscreen replacement excessExcess- Not stated
Limit- Not stated
Young driver excess

no

Excess at Sunlife

Admin fees

At Sunlife
Interest charged by payment installments

Not Stated

Renewal fees

Not Stated

Cancellation fees

Not Stated

Modification fees

Not Stated

Admin fees at Sunlife

Other car insurance policies available at Sunlife

How to contact Sunlife auto insurance?

Sunlife phone numbers 

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

Contact numberOpening hours

Customer Service

0330 018 2886
0330 018 2059.

Monday to Friday: 8am to 9pm
Saturday: 9am to 5pm
Sunday: 10am to 4pm
Public Holidays: 9am to 5pm

Claims

0330 018 4139

Available 24/7

Contact numbers at Sunlife

Sunlife other contact details

You'll find below Sunlife main contact details:

Contact details of Sunlife
Email address
Customer account with Sunlife login

[My account(https://sunlife.insure-systems.co.uk/SelfService)

Social mediaFacebook, Twitter, Instagram
ChatbotNo
Contact details at Sunlife

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

SunLife
Redcliff Quay, 120 Redcliff Street
Bristol
BS1 6HU

How to claim at Sunlife?

You can make a claim by calling the claims department at Sunlife.

ServiceCar claim
Claim by phone

0330 018 4139

Claim process at Sunlife

How to cancel your car insurance at Sunlife?

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, Sunlife as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Sunlife 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:

Sunlife 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’.