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Car insurance extras

Our UK car insurance isn't just about giving you quality cover that helps you save money, it's about giving you flexibility so you can tailor the cover to suit you.

To include any of these options on your policy, add them as you go through your quote. For full details of all these options please see the car insurance policy document.

Defaqto 2018 - 5 Star car insurance

Or call our UK call centre on

0800 202 8460

Existing customer contact details

8am - 8pm Monday to Friday
9am - 5pm Saturday and bank holidays
10am - 4pm Sunday

Calls will be recorded

Motor legal expenses - £24.90

"The accident wasn't my fault!"

Motor legal expenses insurance covers up to £100,000 of legal costs following a car accident caused by someone else, including help with personal injury claims.

  • Keep 100% of your personal injury claim compensation (without this, your solicitor may deduct their fees from the amount you receive)
  • Defend a motoring prosecution arising from an incident while you were using your car
  • Recover any lost earnings if you're unable to work
  • Call a free 24/7 legal advice telephone helpline service for any private legal matter

Any claim must have more than a 50% chance of the case being successful.

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Guaranteed hire car cover - £19.90 or £29.90

"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 £19.90 per year, you're guaranteed a small hatchback hire car.

For £29.90 per year, you're guaranteed a similar sized hire car to your own. This could be a car with up to seven seats and have a maximum engine size of 2 litres.

  • 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

Increased personal accident cover - £19.90

"What if I'm seriously injured while using my car?"

Increased 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.

  • Receive a lump sum payout of £100,000 for a serious injury (our standard comprehensive policy gives you £10,000 of cover)
  • Partners and named drivers on the policy are also covered
  • This cover also includes injuries like loss of sight or hearing - for full details of the injuries covered, please refer to the car insurance policy document

This extra cover is only available if you take out comprehensive insurance with us.

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Breakdown cover - from £26.00

"Help! My car has broken down!"

Our breakdown cover is there for you whenever your car lets you down. From our basic 'Roadside Assist' to comprehensive UK and European recovery, our choice of five levels of breakdown cover means you only pay for what you need.

  • Get professional help if your car breaks down
  • Access to over 3,000 Britannia Rescue professionals; average response time is 47 minutes and 4 out of 5 cars* are fixed at the roadside
  • Call our 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.

* Average response time of 46.88 mins. 87.56% of customers were able to complete their journey, based on 123,130 jobs from Agent Performance Review Report. Sept '17 - Feb '18

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Compare our breakdown levels of cover

Roadside Assist

Roadside & Home Assist

UK Recovery

UK Recovery & Home Assist

UK & European Assist







Assistance more than 1/4 mile from home


Local recovery up to 10 miles from breakdown


Home assistance


Recovery to anywhere in the UK


Hire car, alternative transport or overnight accommodation


Cover in Europe


Protect your no claim discount for life

"It's taken years of careful driving to build up my no claim discount - I 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. This means that:

  • 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.

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Buying LV= car insurance is quick and easy

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