Create your ideal Car Insurance package with our optional extras:
Legal Protection - £24.91 per year
If you’re involved in an accident that's not your fault, Legal Protection can help you to protect yourself against what are known as uninsured losses. These are financial losses which aren't covered by your standard insurance policy and generally include:
- loss of earnings
- cost of alternative travel arrangements
- recovery of your policy excess from a third party
Legal Protection will provide up to £100,000 towards legal expenses to help recover these losses, where you have the contact details of whoever caused the accident and the legal team believe there is at least a 50% chance of achieving a positive outcome.
It also includes cover for the cost of defending against some motoring offences related to the use of the car on your policy. However, we can't provide cover if you were driving without a licence, disqualified or were under the influence of drink or drugs.
Car Breakdown Cover
- Roadside Rescue - provides roadside assistance anywhere in the UK, 24 hours a day, seven days a week, as long as you are at least a mile from home.
- Home Rescue - extends the cover Roadside Rescue provides to include breakdowns at, or near, your home.
- European Rescue - our most comprehensive level of cover includes Roadside Rescue and Home Rescue and adds recovery for you and your vehicle anywhere in the UK and Europe together with alternative transport or acommodation.
Please use the table below to decide on the level of cover that's right for you.
Car Breakdown Cover
|Roadside Rescue||Home Rescue
When you’re at least 1 mile away from home.
|Recovery to a garage
Transport for you, up to 7 passengers, and your car to the nearest garage if the car can't be fixed at the roadside.
To let friends or family know you've broken down.
If you break down at home or within 1 mile of home.
|Recovery - any destination
Transport for you, up to 7 passengers, and your car to any single destination you choose, if the car can't be fixed at the roadside.
|Alternative Transport or Accommodation
Up to £150 towards a night's hotel accommodation for you and up to 7 passengers or for alternative road, rail or air travel to get you to your destination.
|Caravan and Trailer Service
Recovery service for your trailer or caravan should your vehicle break down.
Roadside assistance, recovery, alternative transport or accommodation should you break down in Europe.
Our Breakdown Cover is designed to get you back on your way as quickly as possible, but it won't cover the cost of replacement parts, fuel, tyres or other materials used in the repair. Always keep your car properly serviced and maintained in accordance to the manufacturer's specifications.
Excess Protection - £31.13 per year
If you need to make a claim, you'll usually have to pay the excess. If you are not at fault, then you would be able to claim this money back from the other person or their insurance company. However, in circumstances such as theft, you may have to pay the excess yourself.
Excess Protection enables you to claim back this money, so you won't be out of pocket. Each claim must be equal to or more than the value of your excess, up to a maximum of £500. You can make up to two claims per year and all named drivers on your policy are covered. Excludes windscreen claims.
Protected No Claims Discount
Claiming for an accident that was your fault usually means you lose some or all of your No Claims Discount (except for windscreen claims). However there is a way to protect your discount. If you have accumulated four or more years No Claims Discount, you may be able to protect the discount for an additional amount. You can only protect your No Claims Discount before your policy starts. No Claims Discount protection does not protect the overall price of your insurance policy. The price of your insurance may increase following an accident even if you were not at fault.
Protected No Claims Discount allows you to make up to two fault claims in a three year period without losing any of your No Claims Discount. Your protection is lost after the second claim, which means that if you make a third fault claim within three years of insurance, you will lose some of your No Claims Discount.
If you wish to protect less than four years of No Claims Discount we may still be able to help.
For further information or to add any of these features to your Car Insurance policy, please call us on 0800 916 6815.