To allow The Green Insurer to calculate your rewards and carbon offset, you must download The Green Insurer app.
Green car insurance benefits
Earn Leaves
You earn reward points based on your Green Driving Score and
the number of miles you’ve driven.
We call these reward
points Leaves.
You can then exchange your Leaves for eGift cards in our
exclusive rewards portal.
Exclusive rewards portal
Our exclusive rewards portal is packed with discounts,
offers and freebies.
We've carefully selected brands that we believe may be of
interest to you.
The Green Insurer app
In The Green Insurer app you can see how many Leaves you’ve
earned, what projects are used for your carbon offsets and
your Green Driving Score.
Green Driving Score
Your Green Driving Score is calculated using acceleration,
braking, cornering, mobile phone use and speed to measure
how green (fuel efficiently) you’re driving.
The number of miles driven is also used to calculate your
carbon offsets and the number of Leaves you’ll earn for
driving fewer miles than anticipated.
100% of your carbon is offset
With your help, we then offset these miles using high-quality
independently accredited carbon offset projects.
Carbon offset projects
Mai Ndombe – Reducing forest and biodiversity loss in
Democratic Republic of Congo
With carbon offset car insurance, every mile you drive is offset by Verified Carbon Standard
(VCS) accredited projects.
We calculate how much carbon is produced by you when you use The Green Insurer app.
Beyond the environmental benefits of our eco-friendly car insurance, carbon conscious
insurance also reduces the cost of fuel and maintenance and helps you to drive in a safer way.
Comprehensive car insurance is the highest level of cover we offer.
It covers you for damage to your car (including by fire) or if it
is stolen.
Comprehensive cover also includes windscreen and glass damage.
You're also covered for claims made against you by other people
for injury or damage to their car or property.
Third Party, Fire & Theft (TPFT)
TPFT car insurance covers you if your car is damaged by fire or
stolen, and if other people claim against you for injury or damage
to their car or property.
Third-party
Third-party car insurance covers you for claims made against you
for injury or damage to other people’s car or property.
Optional extras with our green auto insurance policies
Breakdown cover
Breakdown insurance gives you up to one hour of breakdown assistance
in the event of a fault or failure that prevents you from driving your
car.
If the vehicle cannot be repaired in the hour, it will be taken to
either a garage or to a destination of your choice depending on your
level of cover.
Key benefits
Roadside Breakdown cover £30
UK and National Breakdown cover £60
EU, UK and National Breakdown cover £90
Unlimited call outs*
Covers anyone driving your car
Misfuelling cover**
Roadside assistance with local recovery
At home assistance
National recovery
European recovery
*Unlimited call outs up to a combined maximum total cost of £10,000 annually
**Misfuelling cover within the UK only.
Motor legal expenses from £22 covers you for up to £100,000 of legal costs in
relation to a non-fault motoring incident, for:
Uninsured loss recovery
To recover losses following an accident where someone else is
responsible in the UK.
Motor prosecution defence
To defend an alleged motoring offence if you have received a court
summons.
Motor vehicle consumer disputes
To pursue compensation following a breach of an agreement relating
to the sale, purchase, servicing, repair, testing, hire or hire
purchase of the vehicle.
We offer two cover levels for guaranteed hire car, the first option is
for a hire car based on availability and the second option is for a
like for like hire car.
Guaranteed Hire Car gives you a replacement car in UK for up to
14-days while your car is being repaired as part of a claim or if the
car is written-off or stolen.
We have partnered with Close Premium Finance to provide our
customers an affordable option to pay for their insurance.
Fees
APR rate is 26.6%
Interest rate 10.05%
Default fees £25
What is no claims discount?
This is a discount insurers give you for the number of years
you have been driving as a policyholder without making a
claim against your own policy. It is important to remember
that if you make any non-glass claim against your own
policy, even if the accident was not your fault, this will
still be counted as a claim.
What is a claims free driving discount?
Claims free driving only applies when no claims discount
isn't available.
Some insurers may give you a discount if you have been
driving for a number of years without a claim, but it’s not
been under your own insurance policy. For instance, you may
have been a named driver on someone else’s car insurance
policy, or been driving a company car. You will need to
supply proof of this to get the discount.
What is an excess?
If you have a claim under your car insurance policy this is
the amount you will have to pay towards the overall cost.
The amount may be different depending on the claim - for
instance the amount you have to pay for accidental damage
may be different from what you pay towards a claim where the
is only glass damage. Your insurer will set the excess
level, which is the lowest amount you can agree to, but you
can choose to apply an additional voluntary excess to reduce
your premium.
Can I drive other cars under my policy?
This can vary from car insurance policy to policy, so please
check very carefully before relying on this cover - it will
be shown on your car insurance certificate. The “driving
other cars” cover that applies to some policies is designed
if you need to drive another car in an emergency. It doesn’t
cover any damage or loss to the vehicle you are driving.
Driving other cars cover only applies to the policyholder
and not any named drivers.
What are green parts?
Undamaged parts that have been safely removed from another
car to be recycled and fitted to another car when being
repaired are referred to as green parts. At The Green
Insurer we are keen to use green parts wherever possible,
and by taking out a car insurance policy with us you are
agreeing them being used where available. We like Green
Parts because they avoid the carbon costs of making a new
part and reduce wastage generated by disposing of undamaged
parts. Wherever green parts are used by one of our insurers
they are guaranteed for as long as you own the car,
excluding general wear and tear.
What happens when the policy ends?
Once your policy has ended, you will have access to your
account via The Green Insurer app and portal for thirty
days, it can take up to 24 hours from the policy ending
before the app stops recording trips.
What if I go over my miles?
If it looks like you are going to over-exceed your milage
you’ll be sent a warning message which will allow you to
make an adjustment to increase the mileage on your policy so
that you don’t void your car insurance policy.
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