Car insurance

Arranged and administered by BISL Limited and underwritten by a panel of insurers

Car Insurance

What you can get


  • Half of our customers got cover for £250 or less
  • We work with BISL Limited, one of the UK’s largest insurance intermediaries
  • BISL will search a panel of carefully selected insurers to calculate your price

The cover provided by your Santander Car Insurance policy is unaffected by the coronavirus pandemic. If you contact us, there may be longer waiting times than usual as we are working to keep our staff safe.

Please log in to your Self Service Centre in the first instance to view or manage your policy. Our webchat team will also be available to help you once you’re logged in.

If you need to send us proof of no claims discount, you can do this within your Self Service Centre

Frequently asked questions

I’m worried that I might not be able to continue to make my payments – can you help?

Yes, we’re here to help. We’re aware that customers' livelihoods may have been impacted by the pandemic. If you think you might not be able to keep up your regular policy payments, please contact BISL as soon as possible on 0344 854 9822. BISL have specialists on hand who can discuss your individual circumstances and agree how to help with your financial situation. This may include moving your payment dates, agreeing partial payments or payment holidays in the short term and removing any fees applied to your policy.

Don’t wait until you miss a payment as BISL can help you in advance. Please don’t cancel your payments or Direct Debits as this can result in your policy being cancelled and we don’t want you to be left uninsured, please get in touch in the first instance.

Opening hours are Monday-Friday 8am-8pm, Saturday 8am-6pm and Sunday 10am-4pm. Call charges

My job doesn't let me work from home and I need to drive to it because of coronavirus – do I need to extend my cover?

If you need to drive to a single place of work and you have commuting cover, your insurance cover is still valid. If you don’t have cover for commuting, you’ll need to contact us to update your cover.

I’m volunteering during this time and using my own vehicle to help others get essentials – do I need to amend my Santander Car Insurance?

If you’re using your own private car for voluntary purposes to transport medicines or groceries to support others who are impacted by the pandemic, your cover isn’t affected and you don’t need to contact us.

I’m a key worker and I’m now using my vehicle for work purposes – do I need to amend my Santander Car Insurance?

If you’re a key worker and using your own car to drive to different locations for work purposes because of the impact of the pandemic, you’ll need to contact us to update your cover.

Choose from fully comprehensive, third party fire and theft, and third party only cover. 
Fully comprehensive cover includes as standard:

  • cover if your car is stolen or damaged by fire or accident
  • windscreen replacement and 24/7 repair helpline
  • courtesy car while yours is being repaired by an approved repairer (subject to availability and eligibility)
  • driving in the EU: up to 60 days in any period of insurance (your cover will be the same as it is in the UK)
  • unlimited cover on manufacturer-fitted audio, sat nav and entertainment equipment
  • stolen keys cover – up to £500
  • personal belongings cover – up to £100
  • repair work cover – 3 year guarantee on all approved claims repairs.

For full details on what’s covered, policy terms, conditions, and exclusions, please see our policy document which is available to download when you receive a quote

Tailor your Santander Car Insurance with these optional extras for an additional cost:

  • motor legal protection 
  • breakdown cover
  • guaranteed replacement car 
  • no claims discount protection.

Full details on these optional extras are available when you get a quote. For full details on what’s covered, policy terms, conditions, and exclusions, please see our policy document which is available to download when you receive a quote.

When you receive a quote you’ll be able to download our policy document, which contains full details of cover, optional extras, policy terms, conditions and exclusions. 

For information on how your data will be used you can view our data protection statement (pdf)

Santander Car Insurance is subject to standard underwriting and acceptance criteria. Quotations are valid for 30 days. Cover is subject to terms, conditions, restrictions and exclusions. Compulsory excesses apply. Full details are available in the policy document, available to download when you receive a quote. Please read the policy document before purchasing the policy.

The UK is no longer part of the EU. If you’re planning on driving to the EU or EEA in your vehicle, you’ll need a green card as proof of your insurance. 

There are some things you should be aware of before travelling to the EU/EEA. 

  • You’ll need to have your green card with you at all times. 
  • If you travel without your green card, you could be breaking the law and you might not be able to go back to that country. 
  • As well as a green card, you’ll also need your driving licence and vehicle (V5C) log book.
  • You car will need to display a GB logo. 
  • You may need an international driving permit for some EU/EEA countries. 

Does a vehicle’s green card cover a trailer?
No, if you’re planning on taking a trailer or caravan to the EU/EEA, it’ll need its own green card. 

How to apply
Please call BISL on 0344 854 9822 during their opening hours. 

Monday to Friday 8am to 8pm
Saturday 8am to 6pm
Sunday 10am to 4pm

You’ll need to apply at least 21 days before you travel so your greed card(s) can arrive on time. 

View our call charges 

Find out more 
Please read the articles below for more information on driving abroad: 

If you’re an existing Santander Car Insurance customer and want to see your documents or make changes to your policy, you can log on to My account

Your Red Car is a car-buying site backed by Santander where you can search 1,000s of cars online from over 2,000 sellers nationwide. All the sellers have been approved by Santander Consumer (UK) plc and you’ll even get a £75 e-gift reward when you make a purchase. (Conditions and exclusions apply, available at selected retailers only).

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Visit Your Red Car to learn more about how it works and start searching for your next car. 

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Santander Consumer (UK) plc trading as Santander Consumer Finance. Registered Office: Santander House, 86 Station Road, Redhill. Surrey RH1 1SR. Registered in England number 2248870. Santander Consumer (UK) plc is authorised and regulated by the Financial Conduct Authority in respect of agreements regulated by the Consumer Credit Act 1974 and for general insurance mediation activity. Our Firm Reference Number is 444327. Santander Consumer Finance and the Flame logo are registered trademarks.

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