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Darwin Car Insurance Reviews

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Darwin Car Insurance Review


Darwin Car Insurance

Who are darwin insurance?

Founded in 2018, Darwin Insurance is a positively reviewed car insurance provider under the Direct Line Group. With a 5-star rating on Defaqto and similar reviews on Trustpilot, Darwin car insurance has been well received with praise generally aimed at the company’s customer service and smooth claims process.

What car insurance options does Darwin Car Insurance offer?

Darwin Car Insurance offers 3 types of insurance packages to their customers. These packages come with the standard coverage you’d expect and essentially vary in their level of comprehension.

Darwin StandardDarwin GoldDarwin Platinum
Windscreen includedWindscreen includedWindscreen included
Courtesy car includedCourtesy car includedCourtesy car included
Personal belongings cover (max)
£250
Personal belongings cover (max)
£500
Personal belongings cover (max)
£750
Legal helpline not includedLegal helpline includedLegal helpline included
Motor Legal Protection not includedMotor Legal Protection includedMotor Legal Protection included
Breakdown Cover not includedBreakdown Cover not includedBreakdown Cover included
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What are the key benefits and features of taking out a car insurance policy with Darwin?

When taking out insurance with Darwin, you’ll have your no-claims bonus protected if you are involved in an accident with an uninsured driver. You’ll need to get the other drivers registration number, make and model, and if possible the other drivers details. You’ll also receive a courtesy car and guaranteed repairs. You may also be eligible for a new car replacement if you meet the criteria.

  • Uninsured driver promise – If you’re involved in an accident with an uninsured driver and you have a no claims discount, this will be protected. If you have to pay excess as a result of an accident with an uninsured driver, this will also be covered by Darwin. You’ll still need to get details such as registration, name if possible, and make and model in order to verify the uninsured driver.
  • Courtesy Car – This is included as standard when your car is being repaired in an approved repair shop.
  • Repairs Guaranteed – A five year guarantee when you use our approved repairer.
  • New Car Replacement – If your car is written off and in less than 12 months since purchase, and you are the first and only registered owner, Darwin will replace it with a new car of the same make and model.

You’ll also be supplied with a car of a similar size to your own under Darwin’s Guaranteed Hire Car Plus. So if you drive a 5 seater family car, then the hire car you’ll be provided with will be a 5 door car with room to seat 5 people.

Darwin car insurance reviews

Darwin has received many positive reviews outlining their exemplary customer service and good prices for fairly specialised coverage.



Tried to pay on line but couldnt so…


Tried to pay on line but couldn’t so rang up, the young lady who took the phone call sorted everything so professionally and easily couldn’t fault her

Trustpilot Review: 25 June 2023


The like-for-like insurance was the…


“The like-for-like insurance was the cheapest on the market and from a well known and trusted provider. Another plus point was the provision of paper documents to back up the electronic ones.”

Trustpilot Review: 21 June 2023


Significantly more expensive compared…


“Significantly more expensive compared to previous year. Deposit amount made a 1 off payment in the current climate difficult as if the payment was spread evenly over 12 months it would have been more manageable.”

Trustpilot Review: 21 June 2023


Negative feedback directed toward Darwin car insurance were mostly the result of frustration around policy pricing changes and premium prices for some forms of specialised cover. It is important to note however that these complaints are fairly standard for insurance companies.

In terms of drawbacks using Darwin car insurance – There is a cancellation fee Darwin charges, even during the cooling-off period. It’s base level for personal accident cover has also been found to be lower than some of its competitors.

Who underwrites Darwin car insurance?

Darwin car insurance is underwritten by UK Insurance Limited, which is a subsidiary of the Direct Line Group. UK Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.

How much is Darwin car insurance?

The cost of Darwin car insurance will really vary on differing factors such as your age, location and make and model. Your previous driving history and any past claims will also directly impact your premiums. Since everyone’s risk profile is different, giving an average cost for a Darwin car insurance quote can be misleading. This is due to the fact that Darwin car insurance may be the best insurance option for some drivers and not for others. The best thing to do about this is to simply compare their quotes.

Comparing car insurance quotes

When taking out a car insurance policy it helps to have as many options as possible. This is because no one car insurer will be able to offer the cheapest insurance for all policyholders. By having a large pool of insurers to compare you can increase your chances of finding the best insurance coverage for you.

If you’re keen on comparing Darwin car insurance, it helps to have other quotes to compare them against – that’s where we can help.

Quotezone has compiled a panel of over 110 insurance providers to make finding cheaper car insurance easier than ever. Compare multiple quotes in one place in moments with one quick form.

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*51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.