We don’t punish drivers who make a claim or have lost their no claims bonus. All we ask of our drivers is, in the unlikely event of a claim, you share the cost with a higher excess. But, even if that happens we won’t be upping your premium; it’ll remain the same, no matter what. No ‘Return to Go’, no price hikes, no lost bonus.
So, if you have little or no driving history, or lost your no claims bonus, we will lower your premium, build your bonus and get you on the road.
Drivers without no claims bonus are normally charged a high premium for their car insurance and forced to try and build up their no claims bonus. The only way to lower premiums is by paying for it? We think that’s wrong.
We offer lower premiums to drivers in return for sharing the risk of an accident. By paying a lower premium and having a higher excess, our drivers save, and their car insurance premium is guaranteed
We understand accidents happen. That's why car insurance exists after all.
If you've been unlucky in the past, we'll wipe the slate clean. You get a lower premium on your car insurance in return for taking on a higher excess.
You have moved to Ireland and insurers want to charge you extra? Welcome to Ireland!
We’ll give you a fairer deal.
By taking into account your driving history, we’ll cut that premium down and treat you fairly.
If you’re a safer driver, you’re a safer driver. And safer drivers pay less with XS Direct.
So, you’re over 21 and havent passed go? No ‘No claims bonus’ or driving history in your own name? Problem? No problem.
We know lots of people who are in the same situation.
With us, you can hit the road at a premium that’s fair, not frightening.
Start building that driving history. It’s not a problem.