What’s covered
Accessories
Accessories are items permanently fitted to your car which are not directly related to how it works as a car. For example, in-built satnavs, cameras, comms kits or roof racks. If this was fitted by the vehicle manufacturer, then cover is Unlimited, otherwise there is a £1,000 limit.
Accidental damage to your car
If your car's damaged in an accident or through vandalism, we'll arrange to have it fixed and guarantee the work (excluding parts - see terms and conditions) for as long as you own your car. If we can't fix it, we'll either pay to replace it or pay you cash up to its market value.
Car recovery and approved repairer
If you have been in an accident and your vehicle cannot be driven, we’ll recover your vehicle and take it to one of our approved repairers. We’ll also take you and your passengers home or cover up to £150 for accommodation or public transport. Geographical restrictions apply.
Courtesy car whilst yours is being repaired
A courtesy car is provided to reduce your inconvenience and where possible ensure you remain mobile. It is not intended to be an exact replacement for your car. All courtesy cars have Comprehensive cover under your policy for the period the courtesy car is provided.
- A courtesy car will only be provided when your claim has been accepted and your car is repairable, and is being repaired by our approved repairer network.
- If your car is immobile or unroadworthy we aim to provide a courtesy car within one working day (however if an incident occurs during a weekend or on a bank/public holiday, it may not be possible to provide a courtesy car until the following normal working day).
- Automatic courtesy cars can be supplied, providing the car being repaired is an automatic.
European cover
We provide 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, Montenegro, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
Fire damage
If your car's damaged by fire, we'll arrange to get it fixed if possible. If it’s not possible to fix it, we'll either pay to replace it or pay you cash up to its market value.
Glass repair or replacement
If you have a damaged window or windscreen, we'll repair it (£25 excess) or replace it (£150 excess) and if you use one of our approved repairers the most we will pay will be the market value of your car at the time of the loss. If you use one of your own repairers the claim will be limited to £50.
Loss or theft of your car
If your car is lost or stolen, we'll either pay to replace it or pay you cash up to its market value.
New car replacement
We will replace your vehicle with a new one of the same make model and specification if your vehicle is damaged beyond economical repair or stolen and not recovered and you bought your vehicle from new within the past 12 months.
Personal accident cover of £2,500
This cover is included as standard and provides £2,500 for you, and your partner and named drivers for serious injury or death following a motor accident in the insured car.
Personal belongings cover
If you are claiming for damage to or theft of your car, we'll also provide cover for up to £150 of personal belongings such as handbags or sunglasses.
Replacement locks
If your ignition keys are lost or stolen we'll pay up to the value of £300 for the cost of replacing the affected locks, lock transmitter and central locking interface and affected parts of the alarm and/or immobiliser.
Third party cover for other cars
We'll cover you to drive other people's cars, as long as you have their permission and you're over 25. Any loss or damage of their car will not be covered.
Third-party damage or injury
We'll cover you for:
- your legal liability for death or injury to a third party
- your legal liability for third party property damage up to £20,000,000
- any legal defence representation costs incurred with our consent in connection with a claim against your policy up to a limit of £5,000,000.
Uninsured driver promise
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.
24-hour emergency support
If you have an accident, call us and if your car is not drivable, we will send someone out to either fix your car or take it to one of our approved garages.
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