Car insurance

Which? Car insurance Best Buy February 2024

Sheilas' Wheels Car Insurance received a Which? Best Buy

Our comprehensive car insurance is 5 Star Defaqto rated:

✔ 24/7 accident helpline
✔ Courtesy Car
✔ Windscreen Cover

Offered with comprehensive cover only
For full details of cover and exclusions, please read our policy booklets


Thanks for visiting Sheilas' Wheels

If you’re an existing customer looking for info on your policy, you can log in to your Account here or using the links at the top of the page. If you get stuck, look for the Need Help? button to access our Chatbot, or click here to check out our FAQs.


Looking to get a quote from us for car insurance?

We're working on something new at the moment, which unfortunately means you can’t currently get a quote directly from our website. You can still find Sheilas' Wheels Car Insurance on most of the major price comparison sites, so we hope to welcome you from there.


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
  • 5-Year Repair Guarantee - it’s a win win for you, so long as one of our recommended repairers is fixing your motor.

  • Courtesy car - so long as one of our recommended repairers is fixing your motor following an accident.
  • Handbag Cover - if your bag is stolen from your car or damaged while in your car, we'll cover it and its contents up to £200.
  • Personal Belongings Cover - your mobile and sunnies are covered as part of a claim – up to £200​.

  • Counselling Service - free over the phone counselling service for you and any member of your family living with you
  • Windscreen Cover - from small chips to big cracks, our specialists will do a top job repairing or replacing your windscreen
Which? Car insurance Best Buy February 2024

Our Car Insurance is a
Which? Best Buy

Defaqto 5 Stars Car Insurance 2014 to 2024 EXPERT RATED

5 Star Defaqto rated comprehensive car insurance



Has your premium risen more than you expected?

There are several reasons why the cost of your car insurance may have changed at renewal, especially this year. Click here to take a look at our article on rising car insurance premiums.



Are you an existing Sheilas' Wheels Car Insurance customer?

When we issue your renewal quote, it will always be the same or less than the equivalent new customer price*

*The price you'd be given as a new customer if it was calculated using the same information available for your renewal quote (assuming the same cover details and sales channel).

Handy Optional Extras!


Motor Legal Protection

If you’re involved in an accident that was partly or completely the fault of the other driver we can pay up to £100,000 (including VAT) towards legal costs to help you recover your expenses.

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If we deem 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 covered by the standard insurance policy.

We can also pay up to £100,000 for legal costs to help defend the customer for a motoring incident.

Find out more about Motor Legal Protection.

Breakdown Cover


Breakdown Cover

We've joined forces with the RAC to offer you a range of Breakdown Assistance options. The RAC are the UK's most experienced breakdown provider so you know you’re in safe hands.

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Why the RAC?

When we said they can get you back on the road in no time at all, we weren’t exaggerating. The RAC fix 4 out 5 cars in an average of 30 minutes by the roadside. Not to mention they are the most experienced breakdown provider in the UK

What does the cover include?

Roadside Assistance

Including unlimited 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 to you (or any named driver), we’ll cover medical expenses and pay up to £100,000 if you’re 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)

Find out more about Personal Injury Cover.

Car Hire Benefit



Car Hire Benefit

If your car is stolen and not recovered, or we agree it’s a total loss, you’ll get a similar-sized hire car. You can use this while your claim is being processed, for up to a maximum of 21 days.

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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

Find out more about Car Hire Benefit.

Key Cover


Key Cover

Oops! Have your keys been lost, stolen or damaged? You can give our partners, the RAC, a call and they'll help retrieve, repair or replace them.

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If your keys are lost, stolen or damaged, you can call our partner the RAC, 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

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.

Find out more about car insurance with Key Cover.



Misfuelling Cover

If you misfuel your car you can call out our partner, the RAC, who’ll aim to get you back on the road in no time at all. Remember you won’t need this cover if your vehicle is fully electric.

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We will pay or reimburse you for:

  • Transporting you, your car and up to eight passengers to the nearest suitable garage within the RAC 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.

Find out more about Misfuelling Insurance.


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

Car Insurance Hub

Find car insurance by age, location, cover type or car type


Sheilas' Wheels want to support our motor policy customers who are helping the Ukrainian refugee humanitarian aid operation.

Find out more


Customer Support Hub – for our latest guidance and support, including information on our Covid-19 initiatives, please visit our dedicated Hub