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Car insurance reimagined

Car insurance intelligently driven.

Fast, flexible cover powered by your always-on conversational AI assistant.

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Get a quote
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Motivo, cover that fits.

  • AI-powered support

    KAI, your always-on AI assistant, whenever you need help.

  • Three tiers of cover

    Choose from three levels of cover to suit your needs and budget.

  • Digital-first

    Designed for customers who want a fast, flexible, digital-first service powered by conversational AI.

Not a chatbot. Your always-on AI assistant.

Motivo is built around an always-on AI assistant, giving you fast, simple, step-by-step support that feels smart, conversational and easy to use.

  • AI-powered support, available 24/7
  • Smart, conversational help to guide you through every step of managing your policy
  • No waiting, no friction - just simple, digital control
Find us on:
Get a quote

Cover made for you.

Choose the level of cover that suits how you drive.

All the essentials to get you on the road at a lower price.

Defaqto_2_stars

Here’s what’s covered:

  • Sound Equipment Cover (Up to £1000)
  • Vandalism Cover
  • Courtesy Car
  • Medical Expenses (Minimum of £100)
  • Hotel Expenses (Up to £500)
  • Accidental Damage
  • Windscreen Cover
  • Personal Belongings (Up to £200)
  • Personal Accident (Up to £7,500)
  • 24/7 Locksmith Cover
  • Children’s car seat replacement (Up to £250 per seat)
  • RAC Breakdown Cover
  • Legal Expenses Cover (Up to £100,000)

Our core car insurance, covers you for everyday driving.

Defaqto_5_stars

Here’s what’s covered:

  • Sound Equipment Cover (Up to £1000)
  • Vandalism Cover
  • Courtesy Car
  • Medical Expenses (Minimum of £100)
  • Hotel Expenses (Up to £200)
  • Accidental Damage
  • Windscreen Cover
  • Personal Belongings (Up to £200)
  • Personal Accident (Up to £7,500)
  • 24/7 Locksmith Cover
  • Children’s car seat replacement (Up to £250 per seat)
  • RAC Breakdown Cover
  • Legal Expenses Cover (Up to £100,000)

Get extra benefits, including RAC Breakdown Cover.

Defaqto_5_stars

Here’s what’s covered:

  • Sound Equipment Cover (Up to £1000)
  • Vandalism Cover
  • Courtesy Car
  • Medical Expenses (Minimum of £100)
  • Hotel Expenses (Up to £200)
  • Accidental Damage
  • Windscreen Cover
  • Personal Belongings (Up to £200)
  • Personal Accident (Up to £7,500)
  • 24/7 Locksmith Cover
  • Children’s car seat replacement (Up to £250 per seat)
  • RAC Breakdown Cover
  • Legal Expenses Cover (Up to £100,000)

Our core car insurance, covers you for everyday driving.

Defaqto_5_stars

Here’s what’s covered:

  • Sound Equipment Cover (Up to £1000)
  • Vandalism Cover
  • Courtesy Car
  • Medical Expenses (Minimum of £100)
  • Hotel Expenses
  • Accidental Damage
  • Windscreen Cover
  • Personal Accident (Up to £7,500)
  • Personal Belongings (Up to £200)
  • RAC Breakdown Cover
  • Legal Expenses Cover (Up to £100,000)

Get extra benefits, including RAC Breakdown Cover.

Defaqto_5_stars

Here’s what’s covered:

  • Sound Equipment Cover (Up to £1000)
  • Vandalism Cover
  • Courtesy Car
  • Medical Expenses (Minimum of £100)
  • Hotel Expenses
  • Accidental Damage
  • Windscreen Cover
  • Personal Accident (Up to £7,500)
  • Personal Belongings (Up to £200)
  • RAC Breakdown Cover
  • Legal Expenses Cover (Up to £100,000)

Motivo's ready to help. Get the app.

  • Instant access to your AI assistant
  • Manage your policy and make changes anytime
  • View and download your policy documents
  • Start a new claim or check one you've already made
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Answers to important questions.

Explore All FAQs
If I don't make a car claim do I have to pay the excess?

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How much No Claims Discount will I lose if I claim?

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If my vehicle is stolen after the loss/theft of my keys,
would I be eligible to make a claim?

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Explore All FAQs