Need a quick quote for your car insurance?
The below section outlines what our comprehensive car insurance covers as standard. If you're looking for additional cover, we also offer some options which you can add to your quote. Read here for more information.
If you have any other questions, you can find out more in our full policy documents.
|With us your cover includes:
|Third party, fire & theft
|Accidental damage to your car
|Loss or theft of your car
|New car replacement
|Car recovery and approved repairer
|Third-party damage or injury
|Third-party cover for other cars
|Personal belongings cover
|Glass repair or replacement
|24-hour emergency support
|Personal accident cover
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.
This may vary depending on when you purchased your policy. If you already have a General Accident policy, please check your policy booklet.
If your car is lost or stolen, we'll either pay to replace it or pay you cash up to its market value.
Expert legal support when you need it most:
*The lawyer will discuss your case with you and represent you if it is more likely than not that you will be successful.
We will replace your car with a new one of the same make model and specification if your car is damaged beyond economical repair or stolen and not recovered and you bought your car from new within the past 12 months.
If you've been in an accident 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 accomodation or public transport.
A courtesy car is provided subject to availability to reduce your inconvenience and where possible ensure you remain mobile.
We'll cover you for:
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 upto its market value.
Audio equipment in your vehicle is covered as part of your vehicle's accessories.
For comprehensive, If this was fitted by the vehicle manufacturer then cover is Unlimited, otherwise there is £1,000 limit.
For Third Party Fire and Theft Policies, we'll cover damage to or theft for audio equipment up to £100.
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.
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.
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.
If you have damaged glass that forms part of your car’s roof (including sunroofs and panoramic roofs), your vehicle excess will be payable.
We provide a 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, the Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
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.
Personal accident covers you for loss of, or permanent loss of use of, a limb, irrecoverable loss of sight in one or both eyes, permanent loss of hearing in one or both ears, or for death following an incident in the insured car. With comprehensive or telematics insurance, this is included as standard and provides £2,500 for you, your partner and named drivers if you/they are injured. There is also the option to buy increased personal accident cover which provides an additional £60,000 or £120,000 per insured person for death or serious injury, plus up to £500 of physiotherapy cover per insured person for minor injuries.
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.