Optional extras
As well as car insurance, you can choose from the following four optional extras to enhance your cover.
- Green-Assist Breakdown Recovery
- Keep motoring replacement hire car
- Personal accident
- Payment protection
Terms and conditions apply to all of the products mentioned here. We will of course give full details when you buy, but you can also look at the policy wordings by clicking here.
Green-Assist Breakdown Recovery
Green-Assist offers you great value breakdown cover. You can choose between our Roadside or Recovery package, the table below shows the main differences between each product.
To make it that bit greener, we offset the emissions of any recovery vehicles that are used when providing assistance for our customers.
| Service | Green-Assist Roadside | Green-Assist Recovery |
|---|---|---|
| Roadside Repairs |  |
|
| Vehicle Recovery - Local (Within 20 miles) |
|
|
| Home start |  |
|
| Vehicle Recovery - to intended destination | |
|
With Green-Assist you can expect:
- Over 5,000 qualified mechanics on a nationwide basis, all available 24 hours a day, 365 days a year
- Female driver priority – lone females and/or with children will receive priority from the breakdown service
- Recovery for a caravan or trailer if you are towing it.
- Cover for the car not the driver, so anyone using your car will be covered.
- £10 cashback – if a mechanic is not there within 1 hour we will give you £10 cashback – it’s our way of saying sorry
- An emergency message service is available for you to inform friends, family or associates that a problem has arisen (limited to 2 messages)
- Optional European Cover at a competitive price.
To buy or for more information, please call us on 0845 272 7604.
Keep motoring replacement hire car
Keep motoring would be best described as an extended courtesy car product. You may not be aware but most insurance policies only provide a courtesy car if you have comprehensive cover and only if the car is repairable.
If you purchase Keep motoring, you will receive an equivalent hire car for up to 14 days following a total loss or a theft or attempted theft claim, which results in your car being undriveable. Our standard courtesy car doesn’t cover these situations.
Even if you only have third party or third party fire & theft insurance where no courtesy car is included, you can buy Keep Motoring.
To buy Keep Motoring you must be aged between 18 and 78 and hold a full UK driving licence.
Personal accident
It's never something that we want to think about but accidents happen, particularly road accidents. What would happen if you or one of your passengers suffered a serious injury – how would you cope financially? Personal Accident cover quite simply pays out a lump sum of cash up to £30,000 for death or bodily injury caused by a road traffic accident.
Some limited cover is included with our motor policy but the table below compares the cover that you get.
| Covered | Standard Cover within our motor policy | Personal Accident |
|---|---|---|
Death |
£2,500 |
£30,000 |
Total loss of one or both hands or feet |
£1,500 |
£30,000 |
Permanent total blindness in one or both eyes |
£1,500 |
£30,000 |
Permanent total loss of hearing in one ear |
Not covered |
£7,500 |
Permanent total loss of hearing in both ears |
Not covered |
£30,000 |
If you take the Personal Accident policy, both the standard cover and the increased cover apply, for example, If you lost a foot due to an accident, you can claim £1,500 from your motor insurer and a further £30,000 from the Personal Accident cover. Giving you a total of £31,500 compensation.
You must be aged under 81 to purchase Personal Accident.
Payment protection
If you pay your insurance by instalments, then you may be interested in payment protection. It will pay your monthly insurance instalments if you are unable to work due to accident, sickness or redundancy. Please note redundancy is not covered in the first 90 days of the policy starting.
We all think it will never happen to us but how many people do you know that it has already happened to. Were they protected or did they leave it to chance? For a small amount paid monthly, you can rest easy knowing that if the worst was to happen, then you will still be able to pay for your car insurance.
To purchase Payment Protection:
- you must pay by instalments
- be aged between 18 and 63
- be in full time continuous employment for the last 6 months working more than 16 hours per week