Covid 19

If you are experiencing temporary financial difficulty as a result of COVID 19 please contact your broker who sold you your motor insurance policy to discuss assistance available.


What is an Excess?

Most car insurance policies have an excess. It means that drivers pay the first portion of any claim. Our excess applies to all sections of the policy including Third Party claims and is per event.

Can XS Direct help me build my years 'No Claims Bonus'?

Yes.   Every year of safe, claims free driving with XS Direct gives you a year of claims free driving.  After which we can issue you with a Certificate (should you decide to leave us).   In practice, we find drivers benefit from 2-3 years of claims free driving with XS Direct before approaching the traditional insurance companies for a quote.   Remember the companies that wouldn't quote you affordable insurance when we did!

Do customers get a bonus certificate?

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

Is windscreen cover available on my insurance?

Yes, windscreen cover is available as an option at a fee of £40.  

Will an immobilizer reduce my premium?

No. We take the view that a high excess is sufficient incentive for people to improve their driving behaviour and to protect their car which includes off-street parking, immobilisers and any other safety measures you can take.

What’s my 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.

Do you have a privacy policy?

We have comprehensive security measures to protect against the loss, misuse, and alteration of data on our system. We never sell or rent individual personal information. We have this privacy policy to demonstrate our firm's commitment to your privacy and the protection of your information.

For further details, please see our full Data Protection Notice here


Do I have to pay for bumps and scrapes myself?

Yes, but every driver on the road does that anyway rather than losing their bonus. All we've done is make everything transparent and allow drivers that get penalised heavily by the bonus system by other Insurance Companies, start with us with a clean slate.

Does my XS Direct premium go up if I have a claim?

We guarantee we don't put your premium up if you claim. That's a guarantee a lot of other insurance companies don't give when you read the small print, even with their bonus protection products.

Do XS Direct apply special loadings for claims?

We do not load for claims in any circumstance because we want our products to be fully transparent. Many other insurance companies have special loadings if they dislike the number of claims made by a policyholder or the particular events surrounding a claim. These loadings can even be applied to clients that have spent money on bonus protection.

I had a claim last year. Does that affect my XS Direct premium?

Past or present claims have absolutely no impact on our new policy premium pricing.  Unlike most car insurance companies we accept drivers with outstanding claims up to any amount.

Are there approved garages for repairs?

Please call our claims team on 03333 443018 for further information. If you want to look after repairs yourself, we also encourage customers to negotiate with their garage; as our product has a High Excess, it might end up saving YOU money.


Who is this Policy relevant to?

We believe it is relevant for anyone with a Nil No Claims Bonus. In our experience, its particularly good value for (i) Drivers over 25 years of age, currently paying high premiums because they only have a zero, one or two year bonus, (ii) Drivers of High Performance Vehicles (iii) Drivers on their first policy, (iv) Because they are leaving a fleet policy, (v) Coming back from abroad or (vi) Insuring a second car. These drivers are often penalised by the traditional Insurance Companies who rely on the “bonus system”. We are different. We believe everyone deserves a fair go.

Do you insure 'named' drivers?

Yes. We allow policyholders to add up to 4 different named drivers on a policy. The named drivers must be between 18 and 70 years old and there are some restrictions for performance vehicles. Please call us on 03333 443016 for further information on our restrictions.

What type of driving licence does XS Direct accept?

We will consider non-EU licences on referral, so call us on 03333 443016 or talk to your broker.

We accept full UK licences, UK provisional licence holders (over 18 years old) and full Licences from the EU, USA, Australia, South Africa, New Zealand, Japan & Canada.

Do convictions affect my XS Direct premium?

We do accept drivers with certain convictions. Please call us on 03333 443016 to speak directly to our underwriting team for further information.

Do XS Direct insure young drivers?

We insure drivers from 21 -70 years of age. 

Is there a minimum car value XS Direct will insure?

Yes, the minimum car value that we insure is £1,000.

Do penalty points affect my premium?

Yes, if you received the points within the last five years there will be an adjustment to your premium.