Motor legal expenses
"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.
Increased personal accident cover
"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.
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 £18.91 per year, you're guaranteed a small hatchback hire car.
- For £28.41 per year, you're guaranteed a similar sized 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
"Help! My car has broken down!"
Our breakdown cover is there for you whenever your car lets you down.
- Our choice of five levels of breakdown cover means you only pay for what you need; from our Roadside Assist to UK & European Assist
- Get help if your car breaks down
- 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 be taxed.
- Access to over 4,000 Britannia Rescue professionals; average response time is 48 minutes and 4 out of 5 cars* are fixed at the roadside
*Average response time of 47.43 mins. 93.57% of 99,171 customers were able to complete their journey. From Agent Performance Report Jul- Dec '20
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.