Britam
Comprehensive Motor Insurance
Car insurance · Regulated by the IRA
It protects your car against crash damage, fire, and theft. It also pays for harm done to other people.
Hear when this changes
What to watch out for
- Covers accidental damage, fire, theft, malicious damage, and third party liabilities.
- Includes free towing and recovery after an accident.
- Provides a no-claims discount building up to 60% over claim-free years.
The details that matter for this kind of plan
- No-claims discount
- Up to 60% discount for claim-free years
- Total loss threshold
- Repair cost exceeding 50% of sum insured
- Free inclusions
- Windscreen, audio/video accessories, towing, spare wheel and toolbox
What if you stop paying?
You pay yearly or in set parts. If you stop paying, your cover ends.
What if you need the money early?
You cannot cash it out. This is insurance protection, not savings.
Who this suits
It could work for you if
You own a private car. You want full protection against crash damage, fire, and theft.
Think twice if
You only want third party cover. You do not want full crash cover.
What they tell you
- Do they say who regulates them?Yes — the IRA. That is who you complain to.
Talk to them
- Website: ke.britam.com
- Phone: 0705100100
- Email: customerservice@britam.com
- If something goes wrong, the IRA is who supervises them.
Compared with the others
There are 10 other plans of this kind on the board. See all 11 side by side — what each one leaves you with, and which of them will not say.
What the documents actually say
Every figure above was read out of a document. These are the sentences, word for word, so you can check them rather than take our word for it.
“Non claim discount – building up to 60% depending on the number of years for not claiming”
Where we got this
- Britam Comprehensive Motor Insurance Product Pagethe company itselfRead on 2026-08-27