Optional Car Insurance Extras

You can add any of the extra benefits below to your insurance policy to choose the cover that suits you.

Temporary Replacement Car Service

For a small additional premium you can take advantage of our temporary replacement car service. We will pay for a temporary replacement car while repairs to your car are being carried out by our Selected Repairer Service, or for up to 14 days if your car is damaged beyond cost effective repair and cannot be driven or has been stolen and not recovered. We will insure the temporary replacement car; you will only have to pay for the fuel (not available to third party only policyholders).

Protected or Guaranteed No Claim Discount

If you have four or more years no claims, you can protect or guarantee your No Claim Discount subject to an additional charge. You can guarantee your No Claim Discount for the life of the policy, or if you choose to protect it, your No Claim Discount entitlement will not be affected as long as no more than two claims have been made in the last five years.

Cover for up to 180 days when travelling in EU Countries

All of our policies give the minimum compulsory insurance cover required in the European Union. However this would not cover loss or damage to your car for comprehensive and third party fire and theft policyholders. For all policyholders including third party the level of third party liability may not be as great as in the UK.

For a small additional premium, you can choose to extend this minimum cover to give the full benefits of this insurance when you are travelling in EU Countries for up to 180 days in a row, including when your car is being transported.

Motor Legal Expenses

For a small additional premium we will pay up to £100,000:

For your reasonable legal costs to defend a motoring prosecution arising from an incident whilst you were using your car.
To pursue a civil claim for the recovery of losses due to an accident involving your car which results in your death or injury.

Personal accident cover up to £100,000

Personal accident covers you, your husband / wife or civil partner if they suffer an injury while travelling in, or getting in or out of any car.

If the injury results in death, loss of sight or loss of limbs, our standard, comprehensive insurance will pay £10,000. For a small additional premium you can increase this cover to £100,000.

This is only available if you are taking out Comprehensive cover.