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Car Insurance from £190*
Get comprehensive car insurance that includes all the things that matter to you
*10% of new customers paid £190 or less (Aug '15 – Jul '16)
Nationwide car insurance is provided by Liverpool Victoria Insurance Company Limited (LV=)
For an additional premium you can also add the below optional extras to your Nationwide car insurance policy.
Whilst your premium may increase following an accident or a claim even if you were not at fault, guaranteed no claim discount allows you to keep your no claim discount however many accidents or claims you have.
Guaranteed no claim discount is charged on an individual basis, according to your personal details. If you have earned four or more years no claim discount you can choose to guarantee it for the entire life of the policy.
This means that:
You will not lose your no claim discount, no matter how many claims you make.
You will continue to benefit from your no claim discount year after year.
Whilst your no claim discount is guaranteed your premium may still increase, for example, following an accident or claim.
If you're involved in a road traffic collision that's not your fault, our motor legal expense insurance will provide cover for up to £100,000 of legal expenses in attempting to recover your uninsured losses. This option will help with:
Any claim must have a 51% or better chance of success to be considered.
If you already have Motor Legal Expenses cover elsewhere you may not need this cover on your Nationwide car insurance policy.
The standard comprehensive insurance covers you or your partner up to £10,000 if you are injured whilst travelling in, or getting in or out of the car that is being insured, which, within 12 months of the accident, results in:
With extended cover, for an additional premium of £19.90, comprehensive policy holders can choose to increase this level of cover to £100,000, allowing greater peace of mind.
Road Rescue breakdown cover offers a choice of 5 levels of cover, starting from £26 for Roadside Assist which:
Provides access to over 3,000 breakdown professionals covering the UK.
Priority rescue if you are in a vulnerable situation.
You can build upon this with other levels of cover to find the right package to suit your needs.
You can also choose to add Road Rescue Personal Cover for an extra £21, which extends the breakdown cover you have in the UK to any car you or your spouse/partner are driving or are a passenger in at the time of breakdown in the UK.
Vehicles must be kept in a roadworthy condition and where appropriate have an MOT certificate and road tax. There is no cover with 1/4 mile of your home address for Roadside Assist, Roadside & Home Assist and UK Recovery.
If you already have Breakdown cover included elsewhere you may not need this cover on your Nationwide car insurance policy.
The above optional extras can be purchased either at the same time as your Nationwide car insurance policy, or later during the policy period. These optional extras are also available as standalone covers elsewhere in the market.
Nationwide Building Society acts as an Intermediary to Liverpool Victoria Insurance Company Limited for car insurance. Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202965. Registered address: County Gates, Bournemouth, BH1 2NF. Tel: 01202 29 23 33.
Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. Credit facilities other than regulated mortgages are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. You can confirm our registration on the FCA’s website www.fca.org.uk or by contacting the FCA on 0800 1116 768.
Liverpool Victoria Insurance Company LimitedNationwide car insurance is provided by Liverpool Victoria Insurance Company Limited (LV=). Founded in 1843, Liverpool Victoria, which also trades as LV=, shares the same values as Nationwide. As a mutual they have no shareholders and are able to invest their profits in making their products competitive and delivering outstanding customer service.
Their claims service also goes the extra mile. Committed to doing the right thing for you, they will aim to settle claims quickly, even in the most difficult circumstances.If you would like to learn more about LV= please visit www.LV.com
We will make sure all the information we give you will be clear and accurate.
We will be fair and reasonable whenever you need the protection of this policy.
We will act promptly to provide the protection you need.
Any problems?If you have a complaint about any aspect of the service you receive from LV= please phone them on 0800 028 5688 (Mon - Fri 8.00am - 9.00pm; Sat 8.00am - 5.00pm) quoting your reference number.
Alternatively you can write to them at:Box 2,County Gates,Bournemouth,BH1 2NF
When contacting them please ensure you quote your policy or claim number as appropriate.
Whilst LV= will make every effort to maintain these standards, they recognise that there may be some occasions when they fail to satisfy the particular requirements of their customers. They therefore have procedures in place to investigate and remedy any area of concern.
In such circumstances:
Financial Ombudsman ServiceIf you are still unhappy following receipt of the final response letter, you may refer your complaint within six months to the Financial Ombudsman Service who will review your case on an independent basis. Their address is:
The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SRTel: 0800 023 4567 or 0300 123 9 123 (from mobile or non BT lines)email: email@example.com
Financial Services Compensation SchemeLiverpool Victoria Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). This means that you may be entitled to compensation from the scheme if LV= cannot meet their obligations. This depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is covered for 90% of the claim, without any upper limit.
For compulsory insurance (eg third-party motor), the claim is covered in full, without any upper limit.
Further information can be obtained from:
Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU
Telephone 0800 678 1100 or 0207 741 4100 or e-mail, firstname.lastname@example.org
If you take any of the action mentioned above, it will not affect your right to take legal action.
Unless LV= agree with you to apply the laws of another country, the law of England and Wales will apply to this contract (unless you live in Guernsey or Jersey, when Guernsey or Jersey law will apply). All communications will be in English.
A copy of the policy booklet is available on request. LV= will not provide you with any advice or recommendation as to the suitability of the insurance products on this website. You should read the information provided in order to make your own informed decision.
It is a minimum legal requirement to have car insurance that covers third party liability if you own/drive a car. If you don't have car insurance you will be committing a criminal offence and you may be prosecuted. In the event of an accident you may be responsible for the damage caused to the other vehicle and the loss caused to the driver and any passengers. Third party only cover does not provide insurance cover for fire, theft or damage to your car. Third party fire and theft cover is available, which covers fire and theft in addition to third party liability.
You can insure your car on a comprehensive basis. This provides cover for damage or loss to you and your car as well as third parties, in the event of an accident. This type of policy also has other benefits which may be appropriate for you. If you choose a comprehensive policy it is important to ensure the level of cover adequately reflects the value of your car.
Your responsibility to give LV= correct informationPlease make sure all the information you give LV= is correct and complete. It’s important because if you don’t LV= may cancel your insurance from its start date and/or not pay your claim. If you’re not sure whether you need to tell LV= about something please ask.
Always check to see if you are covered elsewhereYou cannot make the same claim twice, even if you've been paying for duplicate cover.
Stay covered when you switch If you have existing cover and want to switch to Nationwide car insurance, make sure that your new Nationwide policy starts as soon as your old one ends.
Regularly review your insurance needsYour circumstances may change over time. Remember to regularly review your insurance needs including your level of cover and tell LV= of any changes you want to make. Your premiums may increase if you require additional cover, so you may need to take your other financial commitments into account.
Make sure you understand what you're gettingPlease ensure that this policy is right for you and that you understand what is and is not covered. If you make a claim that is not covered or is excluded by your insurance, LV= won't be able to pay your claim or refund your premiums. So if there's anything you don't fully understand, please ask them to explain it to you before you go ahead.
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