Cover options

Choose from 2 levels of cover and a range of optional add-ons.

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Comprehensive

With comprehensive car insurance, you’re covered for damage to your own car as well as any others involved in the accident.

What does it cover?

Uninsured driver promise

Glass repair or replacement

Courtesy car

Fire damage

Personal belongings cover
(for up to £150)

Loss or theft of your car

New car replacement

Personal accident cover up to £2500

European cover

24 hour emergency support

Third-party cover for other cars
(Only available for policy holders over 25)

Car recovery and approved repairer

Replacement locks
(cover for up to £300)

Accidental damage to your car

Third-party damage or injury

Accessories
(unlimited cover if fitted by the manufacturer, otherwise for up to £1000)

Uninsured driver promise

New car replacement

Car recovery and approved repairer

Glass repair or replacement

Personal accident cover up to £2500

Replacement locks
(cover for up to £300)

Courtesy car

European cover

Accidental damage to your car

Fire damage

24 hour emergency support

Third-party damage or injury

Personal belongings cover
(for up to £150)

Third-party cover for other cars
(Only available for policy holders over 25)

Accessories
(unlimited cover if fitted by the manufacturer, otherwise for up to £1000)

Loss or theft of your car

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Third party, fire and theft

Third party, fire and theft covers you for injury to another person or damage to their car, as well as damage to your own car if it’s caused by fire, theft, or attempted theft. It doesn’t cover injury to you or damage to your car if you cause an accident.

What does it cover?

European cover

Fire damage

Third-party damage or injury

24 hour emergency support

Accessories
(cover for up to £100)

Car recovery and approved repairer
(as a result of fire or theft only)

Loss or theft of your car
(as a result of fire or theft only)

European cover

24 hour emergency support

Car recovery and approved repairer
(as a result of fire or theft only)

Fire damage

Accessories
(cover for up to £100)

Loss or theft of your car
(as a result of fire or theft only)

Third-party damage or injury

Get a quote

Optional add-ons

Select from these optional extras to personalise your cover

Get expert legal support, covering:

  • up to £100,000 in lawyer’s fees to help you get compensation if you’re in an accident caused by another driver. We’ll also pay your legal costs if your claim is not successful.*
  • up to £10,000 for a lawyer to defend you if you’re being prosecuted for a driving offence, such as speeding.
  • 24/7 UK legal helpline for confidential advice on driving-related issues, such as private vehicle sales.
    *The lawyer will discuss your case with you and represent you if it is more likely than not that you will be successful

Choose from six levels of cover, provided by the RAC:

Roadside

  • We'll come out and try to get you moving at the roadside (except within 1/4 mile of your home).
  • If we can't fix your car we'll take it up to 10 miles to the nearest garage for you.

​Roadside & At Home

  • We'll come out and try to get you moving at the roadside even if your car is at home.
  • If we can't fix your car we'll take it up to 10 miles to the nearest garage for you.

Roadside & Recovery

  • We'll come out and try to get you moving at the roadside (except within 1/4 mile of your home).
  • If we can't fix your car we'll take it to the nearest garage for you or we'll take you and your passengers to any single destination in the UK.

Roadside, Recovery & At Home Recovery

  • If you break down at home or within ¼ mile of your home, we’ll come out and try to get you moving at the roadside. If we can’t fix your car, we’ll take your car up to 10 miles to the nearest garage for you.
  • If you break down more than ¼ mile away from your home and we can’t fix your car, we’ll take it to the nearest garage for you or we’ll take you and your passengers to any single destination in the UK.

Onward Travel

  • If you break down at home or within ¼ mile of your home, we’ll come out and try to get you moving at the roadside. If we can’t fix your car, we’ll take your car up to 10 miles to the nearest garage for you.
  • If you break down more than ¼ mile away from your home and we can’t fix your car, we’ll take it to the nearest garage for you or we’ll take you and your passengers to any single destination in the UK.
  • We'll provide a hire car that you can use for up to one day while your car is being fixed.
  • If a hire car isn't appropriate, we'll provide you with overnight accommodation or an alternative form of transport.
  • Terms and conditions apply to the hire car and you must be 21 years of age.

European Motoring Assistance

  • This provides everything included above, plus we'll provide you with breakdown assistance in Europe for trips of up to 90 days.
  • Extra terms and conditions apply for European cover. It is subject to an overall limit of £2,500 per call-out and 3 call-outs per policy year.

The hire car option extends our standard courtesy car cover, which offers a courtesy car while yours is being repaired for the duration of the repair. With the extended option, you’ll also get a hire car if your car is stolen or beyond repair (written off) for up to 21 days.

Protecting your no claim discount lets you keep all or part of the discount even if you make a claim.

Note that your no claim discount will not be affected by certain types of claims, such as those for emergency medical treatment and glass repair or replacement.

With increased personal accident cover, we’ll pay either £60,000 or £120,000 per person (depending on your selection) for you, your partner, or any named driver if you permanently lose: 

  • a limb or use of a limb
  • sight in one or both eyes
  • hearing in one or both ears

If any of these people die in an accident involving the insured car, we’ll cover the costs. We also cover physiotherapy up to £500 per person for minor injuries.

Our Comprehensive cover includes replacement locks cover up to £300.

With Keycare we replace all the keys with your fob if they’re lost, stolen, broken or broken in a lock, or recover them from inside your vehicle or home up to the value of £1,500.

Key cover includes:

  • Key recovery and locksmith assistance – whether locked in a car or in a building.
  • Up to £50 for a replacement key and locksmith charges for keys broken / broken in a lock
  • If you are stranded because you lost your keys, it covers transport costs to your home.
  • Up to £1,500 cover per fob, per annum. Additional key fobs available at an extra cost.
  • No excess to pay and does not affect any No claim discount.
  • Emergency UK-based 24-hour helpline, 365 days per year.
  • All types of car keys covered.
  • If the keys are found with the Keycare fob, a £10 reward will be issued to the finder.

Policy documents

For more information, please take a look at the policy documents below. If you already have insurance with us, you’ll find your documents in MyAccount.

Car insurance policy
Insurance Product Information Document
Important Information Document
Breakdown policy (optional)
About our insurance services to you
Keycare policy (optional)
Keycare Insurance Product Information Document (optional)

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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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.

Car recovery and approved repairer

If there’s been an incident caused by fire, theft or attempted theft and your car cannot be driven, we'll recover your car 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.

European cover

You'll be covered for Third Party Fire & Theft (TPFT) whilst driving abroad in Green Card Free Circulation Area (GCFCA) countries for up to 90 days for any one trip and up to 6 months in total for any one insurance year.

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.​

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.​

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.

24-hour emergency support

If there’s been an incident, 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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