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NHS Car Insurance Discount

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As an NHS worker, the past year has been a difficult one and many companies would like to commend NHS workers on the hard work they are facing every single day. After all, most NHS workers will need a car (and therefore the correct insurance) to get to and from work, providing potential life-saving services, day in and day out. It is because of this that it is so important to always have the right protection for you and your vehicle, protecting yourself against any potential accidents that might take place and ensuring that you are both okay and that your car is fit for purpose to get you into your place of work. The NHS is on the front line facing Covid and the car insurance companies on Insuro want to help.

The NHS and insurance policies

There has been a range of studies which have looked into the numbers of motoring convictions and insurance claims. These have often found that those in certain professions are at a lower risk statistically of being the one at-fault in a car accident. This will mean fewer claims on their car insurance, less driving convictions and less chance of receiving penalty points. It has been found that those who are unemployed pay around 30% more for car insurance as data has found them to be higher risk. Car insurance for nurses is often the cheapest out of all the NHS and health worker professions. Why cheap car insurance is so vital Car insurance can be a cost and in a time when it is more critical than ever that our healthcare professionals get to work on time, more and more firms are offering NHS workers discounts to make this happen. Companies such as Halfords are also offering free £15 car checks to ensure their vehicles are fit to be on the road. Graham Stapleton, Halfords CEO said: “Our research shows how vital their cars are in getting to and from work, so we want to do our bit and help the extraordinary healthcare workers who are doing an incredibly trying job at the most difficult of times." How can I get the NHS car insurance discount? To get a discount with your car insurance if you are an NHS worker, you will need proof that you do in fact work in the NHS. The most common form of identification to prove this is your NHS badge or your NHS identification number.

What types of car insurance is there that I can get my NHS discount for?

There are three main types of car insurance on offer. These include: Third-party insurance – Third-party insurance is what all drivers of that car are legally required to have. It is usually the cheapest insurance as while it covers damage that is done to others in an accident, it doesn’t cover you or your own vehicle.

Third-party, fire and theft

Third-party, fire and theft insurance covers the same as the standard third-party policy, but also for if your vehicle is damaged through fire in a deliberate act (such as arson) or an accidental fire. It also covers it in the unfortunate event that your vehicle is stolen.


Fully-comprehensive is usually the best option for you as it has the best level of protection for you and your vehicle. No matter if the accident is your fault or not, it will cover you for all the above as well as for injury compensation and damage to both your vehicle and the other drivers too. When it comes to choosing the type of insurance you take out, you will want to consider if it is just you that drives the car and how much protection you would want if an accident were to occur. Accidents are something that no-one ever thinks will happen to them, however they can happen to anyone at any time. Because of this, it is always best to be protected for any eventuality. Do you think your car insurance prices are too high? If you think the price of your car insurance is too high, there are a few different options to try which might lower the price to something more like what you were expecting.

Check that your details are correct

Check that you have typed in all of your information as it should be, including your date of birth and your profession.

Consider adjusting the type of cover

There are a number of different types of cover out there and it could be that you have selected the incorrect one for your needs. Be sure to read through this thoroughly and find out which is the best for what you need. Try a different type of specialist insurance from the main menu (there’s a lot of choices for car insurance) - Car insurance isn't a one-size-fits-all solution. You might need specialist car insurance if you drive something such as a modified car, classic car, imported car or kit car. Look into what sort of insurance it is you need and play around with the different setting depending on what suits your needs best.

Owning a car is a responsibility because it has the potential to be dangerous. All it takes is a momentary lapse in judgement to cause an accident. Getting car insurance is the best way to protect yourself and other road users. As an NHS worker, it is more important than ever that you can get into your place of work and help those that need you the most. We are here to help you in this time to get the best protection for your vehicle at the best price. Get in touch with us today and find a quote that suits you and your budget. We would be more than happy to help.

What is car insurance?

Having car insurance ensures you are covered financially if the worst were to happen to your car. This could be damage from an accident, theft, vandalisation and fire damage. It means you won't have to dig into your own pocket to pay for potentially huge repair or replacement costs.

Car insurance is a legal requirement for cars driving on public roads. You will be heavily penalised if you are found to be driving without insurance. The minimum level of cover you must legally have is third-party car insurance. This would cover the damage to another person's car, for example in a collision accident, but provides limited cover for your own vehicle.

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How much does car insurance cost?

Car insurance is made up of an annual premium. This can be paid in a lump sum or monthly as a direct debit. There are many factors that come into play that will affect the cost of your car insurance. It needn't cost the earth when you take the time to compare premiums with Insuro. Get one of our quotesin a matter of minutes.

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