Car insurance

10% of new Sheilas paid £182 in March 2017

✔ 24/7 accident helpline
✔ Defaqto 5 Star rated

What do I get with Sheilas' Wheels?

  • Legal liability - unlimited cover for death or injury to other people
  • Driving other cars - policy holder only, subject to eligibility
  • Guaranteed repair work - for five years if you use one of our recommended repairers
  • Courtesy car - provided while your car is being repaired by our recommended repairers


  • Handbag Cover - loss or damage to any handbag and its contents while in your car worth up to £300
  • Family Friendly Garages - our repairers receive guidelines so they are better suited to working with young families
  • Counselling Service - free over the phone counselling service for you and any member of your family

Defaqto 5 Star rated car insurance

Defaqto 2016


Handy Optional Extras!

 Motor Legal Protection


Motor Legal Protection

If you are involved in a road traffic accident that was partly or wholly the fault of the other driver, Motor Legal Protection could help you recover some of the uninsured losses.

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If your/our solicitor deems it worthwhile that you pursue court action we can pay up to £100,000 (including VAT) towards legal costs.

This also recovers the cost of personal injury compensation, alternative travel arrangements, and loss of earnings amongst other things that are not typically recovered by standard insurance policies.

We can also pay up to £100,000 of your defence, for a motoring incident while you were using your car.

Find out more about motor legal protection.

Breakdown Cover


Breakdown Assistance

Our extremely helpful range of Breakdown Assistance options are offered with our longstanding partner Green Flag, who have over 40 years experience in providing breakdown assistance.

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Why Green Flag?

You have access to a nationwide network of technicians with Automotive Technician Accreditation (ATA) available 24-hours a day, 365 days a year.

What does the cover include?

Roadside Assistance

Including one hour of labour, if your vehicle cannot be repaired, and you are over a quarter of a mile from your home, it will be towed to the nearest garage or destination of your choice within 10 miles.

If you pay a little extra you can add these additional levels of cover:

  1. Roadside assistance
  2. Roadside Assistance and Home Rescue
  3. Roadside Assistance, Home Rescue and Recovery
  4. Cover for any car for you and your partner

Find out more about car insurance with breakdown cover.

Personal Injury


Personal Injury Benefit

In the event of death or serious injury, we’ll pay up to £100,000 if you (or any named driver) are at fault, or up to £30,000 if not.

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A brief but not exhaustive breakdown of what Personal Injury Benefit covers you for:

  • Death – £100,000 (Fault) or £30,000 (Not at fault)
  • Permanent total disablement – £100,000 (Fault) or £30,000 (Not at fault)
  • Loss of (or loss of use of) one limb - £100,000 (Fault) or £15,000 (Not at fault)
  • Loss of sight in one or both eyes – £100,000 (Fault) or up to £30,000 (Not at fault)
  • Loss of hearing in one or both ears – £100,000 (Fault) or up to £30,000 (Not at fault)
  • Loss of speech – £100,000 (Fault) or £30,000 (Not at fault)
  • Third degree burns – £100,000 (Fault) or £15,000 (Not at fault)

For full information click here

Car Hire Benefit


Car Hire Benefit

If your car is stolen and not recovered, or we agree it is a total loss, you will get a similar sized hire car by the end of the next working day for up to 21 days while we process your claim.

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The Car Hire offers you the following:

  • Up to 21 days car hire while your claim is being processed
  • We can collect you from your home or work to pick up the car
  • Car hire cover for all named drivers on your policy

For full information click here

Key Cover


Key Cover

If your keys are lost, stolen or damaged, you can call our partner Green Flag, who will:

  • Retrieve your keys if they are accidentally locked in your car
  • Take you home to get your spare key
  • Replace the car keys and reset the alarm/immobiliser
  • Replace the lock if your key breaks inside and is not retrievable
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If you can’t get back on the road the same day overnight hotel accommodation up to £200 for you and up to eight passengers can be provided in necessary circumstances.

For full information click here



Misfuelling Cover

If you misfuel your car you can call out our partner Green Flag who will get you back on the road in no time at all, we will pay or reimburse you for:

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  • Transporting you, your car and up to eight passengers to the nearest suitable garage within the Green Flag Network
  • Costs involved to drain and clean the fuel system
  • Replenishing of the fuel tank with 10 litres of fuel*
  • Hire car to complete your journey, up to £150
  • Reimbursement of £25 worth of fuel, on presentation of receipt

*This does not apply if the damage is part of an accidental damage claim.

Green Flag can only help if you do not turn on the engine and drive away.

For full information click here

Spend less with Multicar!

Up to a fabulous 10% discount on additional multicar policies for you and your partner, if you live at the same address

  • Matched no claim discount, limited to the years the driver has held a full UK licence
  • Guaranteed quotes for six months, if your details don't change
  • Individual policies

Be savvy and insure more for less money!

What do our Sheilas say?


Make a claim

Find out how to make a claim. We're here to support you when you need us most 

Policy booklet

Check the policy booklet to find out what's covered by our Defaqto 5 Star rated insurance

Existing customers

Got a question? See our FAQs here
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