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Car insurance cover information.
We offer two levels of cover to suit your needs: Essentials and Plus.
- Aged between 21 and 75 years
- Driving with a UK or EU licence
- A resident of Great Britain (not including Northern Ireland, the Isle of Man or the Channel Islands)
- In a car that is 20 years or younger, worth £70k or less and without significant modifications (other than optional extras fitted by manufacturer or dealer as new and declared in the car value, and those solely made in respect of a disability)
- Looking for a comprehensive cover
- Insuring a car, as we do not cover vans
- Keeping your car at the registered address of the policyholder
- This will typically be a small three door hatchback car with room to seat 4 people.
- If your car is stolen or written off we provide a hire car until an offer is made to settle the claim (up to a maximum of 21 days).
- This is in addition to the standard courtesy car cover.
- We'll come out and try to 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 up to 10 miles to the nearest garage for you.
- We'll come out and try to get you moving at the roadside even if your car is at home.
- If we can't fix your car we'll take it up to 10 miles to the nearest garage for you.
- We'll come out and try to 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 for you or we'll take you and your passengers to any single destination in the UK.
- If you break down at home or within ¼ mile of your home, we’ll come out and try to get you moving at the roadside. If we can’t fix your car, we’ll take your car up to 10 miles to the nearest garage for you.
- If you break down more than ¼ mile away from your home and we can’t fix your car, we’ll take it to the nearest garage for you or we’ll take you and your passengers to any single destination in the UK.
- If you break down at home or within ¼ mile of your home, we’ll come out and try to get you moving at the roadside. If we can’t fix your car, we’ll take your car up to 10 miles to the nearest garage for you.
- If you break down more than ¼ mile away from your home and we can’t fix your car, we’ll take it to the nearest garage for you or we’ll take you and your passengers to any single destination in the UK.
- We'll provide a hire car that you can use for up to one day while your car is being fixed
- If a hire car isn't appropriate, we'll provide you with overnight accommodation or an alternative form of transport.
- Terms and conditions apply to the hire car and you must be 21 years of age.
- This provides everything included above, plus we'll provide you with breakdown assistance in Europe for trips of up to 90 days.
- Extra terms and conditions apply for European cover. It is subject to an overall limit of £2,500 per call-out and 3 call-outs per policy year.
- Key recovery and Locksmith assistance – whether locked in a car or in a building
- If you are stranded because you lost your keys, it covers transport costs to your home
- Up to £1,000 cover per fob, per annum. Additional key fobs available at an extra cost
- No excess to pay and does not affect any No claim discount
- Emergency UK-based 24-hour helpline, 365 days per year
- All types of car keys covered
- If the keys are found with the Keycare fob, a £10 reward will be issued to the finder.
- Emergency medical treatment.
- Glass repair or replacement.
- We'll protect your NCD if you have to make a single claim in any given period of insurance.
- Two claims will reduce your NCD by 2 years and your protection is lost.
- Three claims will reduce your NCD to zero.
- We'll protect your NCD if you have to make a single claim in any 3 year period.
- You can make 2 claims during any 3 year period with no loss of NCD but your protection will be lost.
- Three claims will reduce your NCD by 2 years and your protection will be lost.
- Four claims will reduce your NCD to zero.
- You can make up to 3 claims during any 3 year period.
- Three claims will reduce your NCD to 3 years and protection against further claims will be lost.
- Four claims will remove all your NCD and protection.
- If you are involved in a motoring accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue compensation from the driver who is to blame(e.g. personal injury, your excess, travel expenses)*. We will also pay your legal costs should your claim not be successful.
- Up to £10,000 legal costs for a lawyer to defend you if you are prosecuted for a motoring offence(e.g. speeding).
- 24 hour UK legal helpline – confidential legal advice on motoring issues (e.g. private vehicle sale)
The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored.
- Send someone out to help if you need it.
- Get you home (or to your destination) safe and sound.
- We'll deal with any third parties whose details you pass on.
- Make sure your car's fixed by our repairers, then get it back to you.
Your car. Covered.
We offer two levels of cover to suit your needs:
Essentials and Plus.
Car insurance cover information.
- Aged between 21 and 75 years
- Driving with a UK or EU licence
- A resident of Great Britain (not including Northern Ireland, the Isle of Man or the Channel Islands)
- In a car that is 20 years or younger, worth £70k or less and without significant modifications (other than optional extras fitted by manufacturer or dealer as new and declared in the car value, and those solely made in respect of a disability)
- Looking for a comprehensive cover
- Insuring a car, as we do not cover vans
- Keeping your car at the registered address of the policyholder
- This will typically be a small three door hatchback car with room to seat 4 people.
- If your car is stolen or written off we provide a hire car until an offer is made to settle the claim (up to a maximum of 21 days).
- This is in addition to the standard courtesy car cover.
- We'll come out and try to 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 up to 10 miles to the nearest garage for you.
- We'll come out and try to get you moving at the roadside even if your car is at home.
- If we can't fix your car we'll take it up to 10 miles to the nearest garage for you.
- We'll come out and try to 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 for you or we'll take you and your passengers to any single destination in the UK.
- If you break down at home or within ¼ mile of your home, we’ll come out and try to get you moving at the roadside. If we can’t fix your car, we’ll take your car up to 10 miles to the nearest garage for you.
- If you break down more than ¼ mile away from your home and we can’t fix your car, we’ll take it to the nearest garage for you or we’ll take you and your passengers to any single destination in the UK.
- If you break down at home or within ¼ mile of your home, we’ll come out and try to get you moving at the roadside. If we can’t fix your car, we’ll take your car up to 10 miles to the nearest garage for you.
- If you break down more than ¼ mile away from your home and we can’t fix your car, we’ll take it to the nearest garage for you or we’ll take you and your passengers to any single destination in the UK.
- We'll provide a hire car that you can use for up to one day while your car is being fixed.
- If a hire car isn't appropriate, we'll provide you with overnight accommodation or an alternative form of transport.
- Terms and conditions apply to the hire car and you must be 21 years of age.
- This provides everything included above, plus we'll provide you with breakdown assistance in Europe for trips of up to 90 days.
- Extra terms and conditions apply for European cover. It is subject to an overall limit of £2,500 per call-out and 3 call-outs per policy year.
- Key recovery and Locksmith assistance – whether locked in a car or in a building
- If you are stranded because you lost your keys, it covers transport costs to your home
- Up to £1,000 cover per fob, per annum. Additional key fobs available at an extra cost
- No excess to pay and does not affect any No claim discount
- Emergency UK-based 24-hour helpline, 365 days per year
- All types of car keys covered
- If the keys are found with the Keycare fob, a £10 reward will be issued to the finder.
- Emergency medical treatment.
- Glass repair or replacement.
- We'll protect your NCD if you have to make a single claim in any given period of insurance.
- Two claims will reduce your NCD by 2 years and your protection is lost.
- Three claims will reduce your NCD to zero.
- We'll protect your NCD if you have to make a single claim in any 3 year period.
- You can make 2 claims during any 3 year period with no loss of NCD but your protection will be lost.
- Three claims will reduce your NCD by 2 years and your protection will be lost.
- Four claims will reduce your NCD to zero.
- You can make up to 3 claims during any 3 year period.
- Three claims will reduce your NCD to 3 years and protection against further claims will be lost.
- Four claims will remove all your NCD and protection.
- If you are involved in a motoring accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue compensation from the driver who is to blame(e.g. personal injury, your excess, travel expenses)*. We will also pay your legal costs should your claim not be successful.
- Up to £10,000 legal costs for a lawyer to defend you if you are prosecuted for a motoring offence(e.g. speeding).
- 24 hour UK legal helpline – confidential legal advice on motoring issues (e.g. private vehicle sale)
The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored.
- Send someone out to help if you need it.
- Get you home (or to your destination) safe and sound.
- We'll deal with any third parties whose details you pass on.
- Make sure your car's fixed by our repairers, then get it back to you.
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Managing your policy online.
Multicar Discount*
Uninsured driver promise
We'll refund your excess if you're in an accident with an uninsured driver, that wasn't your fault. You'll need to provide us with details of the other vehicle and driver.
Courtesy Car during repair
A courtesy car is provided subject to availability to reduce your inconvenience and where possible ensure you remain mobile.
- A courtesy car will only be provided when your claim has been accepted and your car is repairable and is being repaired by our approved repairer network.
- A courtesy car is typically a small 3-door hatchback car with room for four people.
- If your car is immobile or unroadworthy we aim to provide a courtesy car within one working day.
- Automatic courtesy cars can be supplied, providing the car being repaired is an automatic.
- We don't provide a courtesy car outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
- We don’t provide a courtesy car in the event your car is written off or stolen.
Personal Accident Cover
Personal accident covers you for loss of, or permanent loss of use of, a limb, irrecoverable loss of sight in one or both eyes, permanent loss of hearing in one or both ears, or for death following an incident in the insured car. With essentials, this is included as standard and provides £1,000 for you, your partner and named drivers if you/they are injured. With Plus, the standard cover increases to £2,500. There is also the option to buy increased personal accident cover.
Replacement Locks
If your ignition keys are lost or stolen we'll pay up to £100 on Essentials or up to £300 on Plus towards the cost of replacing the affected locks, lock transmitter and central locking interface and affected parts of the alarm and/or immobiliser.
Windscreen or glass only claims
Essentials does not include any cover for glass only claims – this means there is no cover should you have any damage to your car that only affects glass such as your windscreen, windows or sunroof glass. However, if your glass is damaged in an accident, we'll replace it as part of your overall car repair.
With Plus, if you have a damaged window or windscreen, we'll repair it or replace it through our approved repairers. If you use an approved repairer, you will need to pay an excess of (£15 excess) for glass repair and an excess of (£125 for glass replacement. If you choose to use a non-approved repairer, the most we will pay for either repair or replacement is a limit of £50.
With Plus, if you have damaged glass that forms part of your car's roof (including sunroofs and panoramic roofs), your policy excess will be payable.
New car replacement
With Plus, we will replace your car with a new one of the same make model and specification if your car is damaged beyond economical repair or stolen and not recovered and you bought your car from new within the past 12 months. If your car was sold as ex-demonstrator or nearly new, the cover does not extend to it and the most we will pay is to the market value of your car.
There is no replacement of new car cover with Essentials.
European Cover
With Plus, we provide a comprehensive cover when you travel abroad to any of the following European countries if your trip's less than 90 days and not exceeding a total of six months in any period of insurance .
Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
With Essentials, we only provide third party only cover in these European countries, regardless of trip length.
Personal Belongings
With Plus, if you are claiming for damage to or theft of your car, we’ll cover personal belongings, such as handbags, sunglasses or portable audio equipment, up to £150. For portable audio equipment, the limit is lower than for fixed audio equipment cover.
There is no cover for personal belongings with Essentials.
Our Fees and Charges
We apply administration and cancellation fees and charges under certain circumstances as shown in the following table:
| Scenarios | Will I pay an admin fee |
|---|---|
| We, or you cancel the policy within the 14 day cooling off period (before cover has started) | No |
| We, or you cancel the policy within the 14 day cooling off period (after cover has started) | £25* |
| We, or you cancel the policy after the 14 day cooling off period has ended | £50* |
| You make a change to your policy | £12* |
*Plus Insurance Premium Tax at the appropriate rate.
For further information on our fees and charges please refer to your policy booklet.
Accidental damage to your car
If your car's damaged in an accident or through vandalism, we'll arrange to have it fixed and guarantee the work (excluding parts - see terms and conditions) for as long as you continuously insure your car with us.
If we can't fix it, we'll either pay to replace it or pay you cash up to its market value. Excess will be deducted from any payment made.
Loss or theft of your car
If your car's lost or stolen, we'll either pay to replace it or pay you cash up to its market value. This cover applies only if your car isn’t recovered or if it is recovered but is not repairable.
Car Recovery and approved repair
If you've been in an accident and your car cannot be driven, we'll recover your car and take it to one of our approved repairers. We'll also take you and your passengers home or to your intended destination or pay up to £150 for overnight accommodation or public transport. Geographical restrictions apply.
Third-party damage or injury
We'll cover you for:
- your legal liability for death or injury to a third party
- your legal liability for third party property up to £20,000,000
- any legal defence representation costs incurred with our consent in connection with a claim against your policy up to a limit of £5,000,000.
Fire damage
If your car's damaged by fire, we'll arrange to get it fixed if possible. If it's not fixable, we'll either pay to replace it or pay you cash up to its market value.
Audio Equipment
Audio equipment permanently fixed in your vehicle is covered as part of your vehicle’s accessories. If this was fitted by the vehicle manufacturer, then cover is Unlimited, otherwise there is a £1,000 limit.
For portable audio equipment that is not permanently fixed in your vehicle, please see the Personal belongings cover that is included with Plus.
Third-party cover for other cars
We’ll cover the main policyholder to drive other people’s cars, as long as you have their permission, still have your car and you’re over 25 when you purchase or renew the policy. This is third party only cover - it won't cover loss or damage of the car you're driving.
24-hour emergency support
If you have an accident and your car is not drivable, we'll send someone out to either fix your car or take it to one of our approved garages.