Car insurance optional extras
Have we left you wanting more? Here's how you can tailor your policyExtended personal accident cover
"What if I'm seriously injured while using my car?"
Extended personal accident insurance pays out £100,000 if you, your partner or a named driver on the policy suffer a serious injury while travelling in, or getting into or out of your car.
You could benefit from:
- A pay out of £100,000 per person for a serious injury
- Cover for you, your partner and any named drivers
- Cover for injuries like loss of sight or hearing- for full details please refer to your policy documents
- £150 per person per day (up to 14 days*) if you, your partner or a named driver on the policy is admitted to hospital as a result of an accident in the car you're claiming for
- £1000 per broken bone (up to £5000) per person for you, your partner or a named driver on the policy
- Physiotherapy and/or mental health wellbeing sessions with our chosen partner to help your recovery
*The 14 days may include follow up in-patient or out-patient admissions required for injuries from that accident (within 12 months)
This cover is available as an optional extra with our comprehensive car insurance. Remember, you won't be covered if the driver's proven unfit to drive due to alcohol or drug use.
This price includes your member discount
Guaranteed hire car
“How will I get around without my car?"
Adding guaranteed hire car cover to your insurance means we'll arrange a courtesy car for you while yours is being fixed by one of our recommended repairers.
- For £18.71 per year, you're guaranteed a small 3 door hatchback hire car.
- For £46.99 per year, you're guaranteed a medium family sized car with 5 doors or a 7 seater.
- Have use of a hire car for the whole time yours is in the garage
- If your car is stolen or written off, we'll guarantee you a hire car for up to 21 days or for up to 4 days after we have paid your claim - whichever is soonest.
- There's no need to organise temporary insurance; we insure the hire car for comprehensive cover
- All you need to pay for is your fuel
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This price includes your member discount
Breakdown cover
"Help! My car has broken down!"
Breakdown cover is there for you whenever your car lets you down.
- Choose from three levels of breakdown cover and only pay for what you need; choose from UK Recovery, UK Recovery & Home Assist and UK & European Assist
- Get help if your car breaks down
- Access to over 4,000 Britannia Rescue professionals
- Call the 24/7 UK call centre if you need help
- Vehicles must be kept in a roadworthy condition and where appropriate, have an MOT certificate and road tax.
Protected no claim discount
Your careful driving has built up your no claim discount - you don't want to lose it
- If you have earned four or more years no claim discount (NCD), you can protect it for the life of your policy.
- No matter how many claims you make you won't lose your NCD*
- You'll continue to benefit from your no claim discount year after year
*Your discount is protected, but your premium may still increase, for example following an accident or a claim.