What we cover
There are three different levels of car insurance cover for you to choose from:
policy benefits you will recieve with our cover
Comprehensive Cover
This covers you and your vehicle for any accident whether it was your fault or not. So if the worst happens, you can relax, knowing you are fully covered for:
- Damage to your car caused in an accident
- Loss of or damage to your car caused by fire, theft or vandalism
- Repair or replacement of broken glass in your car
- Damage to vehicles or property belonging to other people
- Injury to other people
Third party fire and theft (TPF&T)
This covers you and your vehicle if it is stolen or bursts into flames. If you are in an accident and it's your fault, you are covered for damages to the other person and their car.
Third Party Only (TPO)
We do not offer this level of cover.
Policy benefits
The table below shows the main benefits that we offer under each type of cover. Terms and conditions apply to all of the benefits listed and full details can be found in the policy booklet.
Policy Benefits |
Cover Limit |
COMP |
TPFT |
| Accidental damage cover | Market value |
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| Accident – onward transport | Up to £50 per person for overnight accommodation (max £250) |
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| Theft of audio equipment | Unlimited if your cover is comprehensive and fitted as standard. If Third Party Fire & theft or not fitted as standard, cover is limited to £300. |
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| Fire & theft damage cover | Market value |
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| Third party liability cover including whilst towing | £20,000,000 for third party property damage claims. |
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| Glass cover | Unlimited cover if you use an approved windscreen repairer. Otherwise, a limit of £100 applies after taking off any excess. |
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| New vehicle replacement | First 12 months only and must be registered by policyholder as new. |
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| Personal belongings cover | A limit of £100 applies. |
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| Medical expenses | £100 per passenger |
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| Personal accident cover | A limit of £2,500 per person applies in the event of death. A limit of £1,500 applies in the event of loss of limb or blindness. |
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| Free foreign use | 90 days cover for countries in EU |
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| Guaranteed courtesy vehicle | Provided an approved repairer is used, a courtesy vehicle will be provided while your vehicle is being repaired by them. |
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| Accident repairs | Pick up and return of vehicle. 3 years guarantee on repairs. Vehicle cleaned and tidied. |
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