Need some extra cover?

If you want additional cover, it’s simple. We have three bundles for you to choose from. You can save at least 20% by buying one of our bundles rather than individual cover upgrades. To take out additional cover, just tick the appropriate boxes during your online application. If you select Better or Best bundle, you also have an option to upgrade Roadside Assistance cover and still keep the 20% bundle discount.

After a bit more cover? Good bundle Better bundle Best bundle
Hire Car included included included
Legal Expenses included included included
Roadside Assistance from RAC   included included
Increased Personal Accident Cover     included

Also if you have 3 or more years no claim discount you’ll be offered an option to protect it.

Protected no claims discount

It’s a way of keeping your no claim discount (NCD) even when you have to make a claim. Protected no claim discount is available for customers with 3 or more years earned NCD and who haven’t had any claims in the last 5 years as follows:

  • If you have 3 years earned no claim discount, protected no claims discount allows you to have one at fault claim before your no claim discount is affected.
  • If you have 4 or more years earned NCD, protected NCD allows you to have up to 2 at fault claims in a 3 year period before you lose any NCD.

Certain types of claims won't affect your no claims discount at all:

  • Emergency medical treatment
  • Glass repair or replacement, including scratches on the bodywork from the broken glass

Hire Car

We will provide a hire car for up to 21 days in the event of a claim where your car has been written off or stolen.

Legal Expenses

We'll cover you for up to £10,000 in legal costs to defend a motoring prosecution following an accident (though not drink or drug related offences). And we'll cover you for up to £50,000 in legal costs for you, your passengers or an authorised driver, to pursue your case after a motor accident. We also provide a 24-hour legal helpline, which gives you free confidential legal advice from an expert, so all you pay for is the phone call. Legal assistance is also available to recover any uninsured losses, such as your policy excess, medical fees or damages for injury after a motor accident.

Breakdown cover

Four levels of cover are available:

  • Roadside assistance - we'll come out and try and get you moving at the roadside (except within 1/4 mile of your home). If we can't fix your car we'll take it to the nearest garage.
  • Roadside recovery - roadside assistance (except within 1/4 mile of your home) plus if we can't get your car moving we'll get you and your party to any single destination in the UK.
  • Roadside recovery and at home and onward travel - we'll provide you with roadside assistance, at home cover plus a hire car for up to one day while your car's fixed. If that's not appropriate, we'll provide overnight accommodation or an alternative form of transport.
  • Roadside recovery and at home and onward travel and European cover - as above plus we'll provide breakdown assistance in Europe for trips of up to 90 days.

RAC Motoring Services and RAC Insurance Limited are referred to as ‘we’ in this section.

Increased Personal Accident cover

If you or your spouse/civil partner suffer accidental bodily injury in an accident involving your car we pay up to £40,000 for loss of limb, or loss of sight or death.

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