Car Insurance


If you have little or zero no claims bonus, we may be able to save you money.


Lost your no claims bonus? Made a claim? We may be able to save you money.


We’ll quote you and insure you online, right now, if you want. Subject to underwriting terms, conditions and acceptance.


We will give you a certificate of claims free driving detailing the years you were with XS Direct.


We offer various levels of cover, please check your policy certificate & schedule for details of your cover.

Total excess

Our most common policy excess is £3,000. This excess applies to the entire policy including the third party damage and injury section.


Policyholders must be aged between 21 and 70.

Licences accepted

We accept full and provisional UK licences, full Irish licences and full licences from the EU, Canada, USA, Australia, New Zealand, South Africa and Japan.  

Named drivers

Our policy allows for 4 named drivers per policy.


We do not offer cover for serious convictions. Please provide us with full details and we will confirm if the relevant conviction(s) is acceptable. 

Vehicle exclusions we don't cover

Kit built vehicles.

Certain vehicle modifications. Please provide full details to us and we will confirm if the relevant modification(s) is acceptable.

Some performance vehicles for drivers under 25 years of age.

Car Value. There is a minimum car value of £1,000 and a maximum value of £100,000.

For drivers under 25, the maximum car value that we will cover is £50,000.

Windscreen cover (Optional)

We will pay up to £300 for damage to the insured vehicles windscreen or windows in any one period of Insurance if it is replaced or repaired by our approved suppliers, and up to £100 in any one period of Insurance if any other supplier carries out the repair or replacement.

The policy does not cover:

The first £50 of any claim.

Damaged sunroofs, roof panels, lights or reflectors (even if they are made of glass).

Extra costs for the work undertaken outside normal hours, unless the windscreen is shattered, or the driver's vision or the security of the Insured Vehicle is affected.

VAT if you are registered.


You must state your full occupation. Full time and Part-time occupations must be declared; vague answers e.g. manager, director, clerk etc. are not sufficient. We will not consider certain occupations which are listed on the quotation systems.

Usage exclusions

We do not quote for the following usage

  • Vehicles used for hire or reward
  • Vehicles used for haulage
  • Vehicles used airside in an airport
  • Vehicles used for racing, rally or speed trials
  • Vehicles used for law enforcement or security duties
  • Vehicles used for emergency services
  • Vehicle used in connection with the motor trade


The policyholder must be a permanent resident in UK. 


The territory covers the UK (including Northern Ireland and the Isle of Man) and the Republic of Ireland. Minimum cover applies to driving in Europe, to upgrade to comprehensive cover in Europe there is an additional fee per week of £75


Lower premiums

We try to provide lower premiums for drivers 25 or above:

  • With none, or one, two or three years’ no claims bonus
  • Who have previous or outstanding claims
  • On their first policy
  • Leaving a company scheme
  • Who have a gap in cover
  • Are insuring a second car
  • Have high specification or luxury cars.

Higher excess

We think the standard no claims bonus system isn’t fair.  It doesn’t give a good idea of how likely you are to have an accident.

By swapping the no claims bonus for a higher excess, we can give real savings for drivers paying high premiums.  This means you can start with a clean slate.

Our most common excess is £3,000.  That means that in the event of an accident where a claim is made, you pay all costs up to £3,000 and we pay everything above and beyond this amount.

Premium price promise

  • Your premium is guaranteed; it will not rise during the term of the policy as the result of a claim.
  • Past claims don’t affect the price of your premium.
  • We’ll accept outstanding, open and unreserved claims without charging extra.

Level of Cover

XS Direct offer different levels of cover. Please check your policy certificate and schedule for details of the cover level applicable to your policy.


Add temporary additional drivers

You can add more drivers at these rates (subject to a minimum charge of £40):

Age 18 – 24 £75/day

Age 25 – 70 £10/ day

Substitute a vehicle

3 temporary substitute vehicles are already included in your current premium subject to underwriting terms, conditions and acceptance for one period of insurance. If you need a 4th or more temporary substitution, we charge £40 for each week of the additional cover or part thereof.

Note: This restriction does not apply if the substitution is in the event of an accident.  Temporary Substitutions are only on a like for like basis i.e. Car to a car not a car to van/truck.

Comprehensive cover abroad

Your policy includes minimum cover to allow the use of the vehicle in any country which is a member of the EU, plus Andorra, Croatia, Faroe Islands, Gibraltar, Monaco, Norway, Iceland, Liechtenstein, San Marino and Switzerland.

To upgrade to fully comprehensive, there is an additional premium of £75 per week or part thereof.

Use your vehicle outside western Europe

If you want to use your vehicle outside this range of countries, please contact the office for further information.   



You cannot suspend your cover. If either party cancels the policy, the following scale will apply (subject to terms and conditions):

  • Up to 14 days on cover pro-rata refund plus a £50 fee
  • 15 days to 1 month on cover 75%
  • Up to 2 months on cover 60%
  • Up to 3 months on cover 50%
  • Up to 4 months on cover 35%
  • Up to 6 months on cover 25%
  • Up to 8 months on cover 10%
  • Over 8 months on cover 0%