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.
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.
If you have damaged glass that forms part of your car's roof (including sunroofs and panoramic roofs), your policy excess will be payable.
The cost of windscreen replacement can range from £187 for a small budget car up to around £1,100 for a high-tech windscreen. (source: checkatrade.com, Feb 2022)
There is no replacement of new car cover with Essentials.
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.
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.
With Plus, we'll cover personal belongings that are lost, damaged or stolen as a result of an accident, fire or theft up to £150.
There is no cover for personal belongings with Essentials.
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.
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.
If we can't fix it, we'll either pay to replace it or pay you cash up to its market value.
If your car's lost or stolen, we'll either pay to replace it or pay you cash up to its market value.
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 cover up to £150 for accomodation or public transport.
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.
If this was fitted by the vehicle manufacturer then cover is Unlimited, otherwise there is £1,000 limit.
We'll cover you to drive other people's cars, as long as you have their permission and you're over 25. This is third party only cover - it won't cover loss or damage of the car you're driving.
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.