Additional Cover
There is a wide range of complementary services we can offer with your insurance policy. Find out what they are in the list bellow.
Accidental Damage
Typically included in most comprehensive insurance policies, accidental damage covers the cost of repairing your vehicle if it is damaged as a result of your negligence.
Audio Equipment
It is important not to assume that audio equipment cover will be automatically included within your main policy with a number of providers offering this cover as an additional extra. Audio equipment will cover the cost of replacing the audio equipment if stolen from your vehicle.
Black Box
A ‘black box’ is a small tracking device that is fitted to your vehicle which enables insurance providers to monitor a wide range of information about your driving, including the distance you travel, when you travel and your speed.
Breakdown Cover
A policy providing protection in the event of your vehicle breaking down. Not all Breakdown Cover is made equal with varying levels of cover on offer, ranging from basic roadside cover through to a more comprehensive home start policy it is important to understand the level of cover the policy offers.
Breakdown Recovery
A breakdown policy providing roadside assistance and recovery throughout the UK.
Courtesy Car
Subject to availability offers a courtesy vehicle if your vehicle is damaged but repairable and an approved repairer is used to carry out the repair.
Protected Excess
Covers the excess of your main insurance policy in the event of having to make a claim. It is important not to assume that this cover is included as standard with a number of providers offering this cover as an additional extra.
Replacement Vehicle
Covers the cost of a replacement vehicle in the event of a total write off claim.
Child Seat
Covers the cost of the replacing child car seats in the event of them being damage in an accident.
Driving Other Cars
Provides third party cover when driving other vehicles. It is important to make sure that the vehicle you are driving under this type of extension is fully insured by a third party.
European Breakdown Cover
A policy providing protection in the event of your vehicle breaking down whilst driving in Europe. Not all European Breakdown Cover is made equal with varying levels of cover on offer, it is important the you fully understand what your policy covers before driving abroad.
EU Cover
Covers you to drive through Europe. Most likely to cover the minimum level of cover. It is important to remember to always check the level of cover you have with your provider before driving abroad.
Hire Car
Subject to availability, offers a replacement vehicle if your vehicle is damaged but repairable and an approved repairer is used to carry out the repair.
Key Care Cover
Covers the cost of replacement locks in the event of keys being stolen or broken in the lock. It is important to understand the level of cover the policy offers and any excess that would need to be paid in the event of a claim.
Claims Assistance
Claims Assistance is designed to sit alongside your main insurance policy and offers financial protection in the event of either having to take legal action against another motorist or having to defend yourself in a dispute. It is important to note that you will only typically be covered if you have a greater than a 50% chance of being successful in any claim made.
Legal Assistance
Legal Assistance is designed to sit alongside your main insurance policy and offers financial protection in the event of either having to take legal action against another motorist or having to defend yourself in a dispute. It is important to note that you will only typically be covered if you have a greater than a 50% chance of being successful in any claim made.
Legal Cover
Legal Cover is designed to sit alongside your main insurance policy and offers financial protection in the event of either having to take legal action against another motorist or having to defend yourself in a dispute. It is important to note that you will only typically be covered if you have a greater than a 50% chance of being successful in any claim made.
Misfuelling
Covers the cost of repair in the event of putting the wrong type of fuel in your vehicle . Levels of cover will vary dependent on the provider so its important to check the policy wording.
Medical Treatment
Covers the cost of medical treatment for injuries suffered as a direct result of an accident.
NCD Protection
Protects your No Claims Discount in the event of having to make a claim against your main insurance policy.
New Car Replacement
Covers the cost of replacing your new vehicle in the event of a total loss claim. There are numerous restrictions around vehicle age and it is important to read the providers policy wording.
Personal Accident
Provides cover in the event of injuring yourself in an accident that wasn’t your fault. It is important to check the level of cover offered as this can vary between providers.
Personal Belongings
Covers the cost of replacing personal belongings if they are stolen from your vehicle, the levels of cover vary between providers and it is always a good idea to read the providers policy wording.
Personal Effects
Covers the cost of replacing personal effects if they are stolen from your vehicle, the levels of cover vary between provider and it is always a good idea to read the providers policy wording.
Public Liability
Covers compensation and legal costs arising from claims made by a member of public against your business such as damage to property or personal injury.
Satnav Cover
Covers the cost of replacing your Satnav if its stolen from your vehicle, misplaced or accidentally broken.
Uninsured Driver Protection
Covers the cost incurred as a result of being involved in an accident with an un-insured driver.
Windscreen Cover
Covers the cost of repairing or replacing your windscreen in the event of it being damaged. It is important to check the wording of your policy as in the event of a windscreen being replaced there is usually an excess that will need to be paid.
Breakdown Cover (Homestart)
Home start is one of the most comprehensive breakdown policies on the market and provides cover if your vehicle breaks down at the roadside or at home.