| Permanent UK Resident | yes | This product is only available to individuals who are permanent UK residents. |
| Minimum Age | 17 years | 17 years old. |
| Maximum Age | 79 years | 79 years. |
| Available Direct | yes | This product is available direct from the provider. |
| Available via | direct | Direct |
| Available Online | yes | Yes |
| Fire & Theft | yes | Fire and theft 1 Cover for your car and its accessories If your car is lost or damaged as a result of fire, lightning, theft or attempted theft, we will... expandFire and theft
1 Cover for your car and its accessories
If your car is lost or damaged as a result of fire, lightning, theft or attempted theft, we will cover you for the loss or damage to: - your car - your car's standard accessories and spare parts whilst in or on your car - your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car (The most we will pay for loss or damage to this equipment is 15% of your car's market value or £1,250 whichever is less). In the event of your car keys being lost or stolen from somewhere other than your car we will pay up to £100 for the cost of replacing the locks. 2 What we will pay We will decide how to settle your claim. We will either: - pay to repair your car, or - pay a cash sum to replace the lost or damaged car or item. We may reduce the settlement for or ask you to contribute towards the repair costs if the parts replaced were already worn or damaged or for removable audio/visual equipment that was not removed. If we give you a cash sum, the most we will pay is the market value of the car or items claimed for. If your car cannot be repaired economically, we will get it moved to a place of free and safe storage as soon as possible. If your car is unrepairable, the salvage of your car will become our property after settlement. If any lost or damaged parts are no longer available, we will only pay the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs. If your car is three years old or more, we may decide to repair it with recycled parts or with parts which have not been made by the car's manufacturer but are of a similar standard. If you have bought your car by hire purchase, or you are leasing it, we will pay any money owed to that company first and then pay any remaining money to you. 3 What is not covered
We will not pay:
- where your car is taken or driven without your consent by a family member, spouse or partner
- the first amount of any claim shown in your current Policy Schedule under Excess Details
- for loss or damage to your car or loss of money from selling your car to someone who deceives you
- for loss of use (including the cost of hiring a vehicle)
- for the replacement of your CD player, radio cassette player or any other audio/visual equipment, if we pay you a cash sum to replace your car
- loss or damage caused by theft or attempted theft or fire if your car has been unlocked and unattended or the keys have been left in or on your car
- for any loss or damage caused by mechanical, electrical, electronic, computer failures, breakdowns or breakages
- any modifications unless they form part of the manufacturers standardspecification or are optional extras that we have agreed to cover. See also Extra Conditions (endorsement 11)
- if the incident is not reported to the police
- for wear and tear
- for any loss to the market value of your car as a result of it being repaired 4 Keeping your damaged car safe If you want us to pay for damage to your car, its accessories and spare parts, you must take steps to make sure it is kept safe until it is repaired. You can arrange to have your damaged car moved to the premises of the nearest competent repairer. We will pay any reasonable charges for safeguarding your car and getting it to and from the repairers. It is important you tell us immediately where your car is or you will be responsible for any charges that occur. See also... Page 20: General Exceptions Pages 22-26: General Conditions Pages 27-29: Extra Conditions (endorsements) You must tell us about and send us any letter, writ or summons within 48 hours
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| Accidental Damage Cover | yes | Damage to your car 1 Cover for your car and its accessories If your car is damaged as a result of an accident we will cover you for the damage to: - your... expandDamage to your car
1 Cover for your car and its accessories If your car is damaged as a result of an accident we will cover you for the damage to: - your car - your car's standard accessories or spare parts whilst in or on your car - your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car (The most we will pay for loss or damage to this equipment is 15% of your car's market value or £1,250 whichever is less). 2 What we will pay We will decide how to settle your claim. We will either: - pay to repair your car, or - pay a cash sum to replace the damaged car or item. We may reduce the settlement or ask you to contribute towards the repair costs if the parts replaced were already worn or damaged or for removable audio/visual equipment that was not removed. If we give you a cash sum, the most we will pay is the market value of the car or items claimed for. If any lost or damaged parts are no longer available, we will only pay the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs. If your car is three years old or more, we may decide to repair it with recycled parts or with parts which have not been made by the car's manufacturer but are of a similar standard. If your car cannot be repaired economically, we will get it moved to a place of free and safe storage as soon as possible. If you have bought your car by hire purchase, or you are leasing it, we will pay any money owed to that company first and then pay any remaining money to you. 3 What is not covered
We will not pay:
- the first amount of any claim shown in your current Policy Schedule under Excess Details
- for loss or damage to your car or loss of money from selling your car to someone who deceives you
- for the replacement of your CD player, radio cassette player or any other audio/visual equipment, if we pay you a cash sum to replace your car
- for damage to your car caused by it being driven after an accident
- for loss of use (including the cost of hiring a vehicle)
- for wear and tear
- loss or damage caused by theft or attempted theft or fire if your car has been unlocked and unattended or the keys have been left in or on your car
- for mechanical, electrical, electronic, computer failures and breakdowns, or breakages
- for damage caused to your tyres by normal road use, braking, cuts, puncturesor bursts
- for any loss to the market value of your car as a result of it being repaired
- any modifications unless they form part of the manufacturers standard specification or are optional extras that we have agreed to cover. See also Extra Conditions (endorsement 11)
- where your car is taken or driven without your consent by a family member, spouse or partner
- for damage to your car as a result of racing against another motorist, "road rage" or a deliberate act caused by you or any driver insured to drive your car
You do not have to pay any excess if your car is damaged while with the motor trade for servicing or repairs. 4 Keeping your damaged car safe If you want us to pay for damage to your car, its accessories and spare parts, you must take steps to make sure it is kept safe until it is repaired. You can arrange to have your damaged car moved to the premises of the nearest competent repairer. We will pay any reasonable charges for safeguarding your car and getting it to and from the repairers. It is important you tell us immediately where your car is or you will be responsible for any charges that occur. See also... Page 20: General Exceptions Pages 22-26: General Conditions Pages 27-29: Extra Conditions (endorsements) You must tell us about and send us any letter, writ or summons within 48 hours.
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| UK Breakdown Cover | optional | Optional |
| Legal Advice Helpline | no | No |
| Multi Car Policy | yes | This policy offers multi car insurance. |
| Personal Belongings Cover | £100 | 3 Personal belongings We will pay up to £100 for personal belongings in your car if they are damaged or stolen. If you ask us to pay someone else... expand3 Personal belongings We will pay up to £100 for personal belongings in your car if they are damaged or stolen. If you ask us to pay someone else we will have no further responsibility to you when we have paid them. You are not covered for:
- money, stamps, tickets, documents or securities
- trade goods or samples
- theft of any property insured under any other policy
- theft of any property from a convertible car unless the property is locked in the boot or glove compartment
- loss or damage caused by theft or attempted theft or fire if your car has been unlocked and unattended or the keys have been left in or on your car collapse |
| Child Car Seat Cover | no | No |
| Manufacturer Audio Cover | £1,250 | 1 Cover for your car and its accessories If your car is damaged as a result of an accident we will cover you for the damage to: - your car - your car's... expand1 Cover for your car and its accessories If your car is damaged as a result of an accident we will cover you for the damage to: - your car - your car's standard accessories or spare parts whilst in or on your car - your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car (The most we will pay for loss or damage to this equipment is 15% of your car's market value or £1,250 whichever is less). collapse |
| Manufacturer Sat Nav Cover | £1,250 | 1 Cover for your car and its accessories If your car is damaged as a result of an accident we will cover you for the damage to: - your car - your car's... expand1 Cover for your car and its accessories If your car is damaged as a result of an accident we will cover you for the damage to: - your car - your car's standard accessories or spare parts whilst in or on your car - your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car (The most we will pay for loss or damage to this equipment is 15% of your car's market value or £1,250 whichever is less). collapse |
| Loss of Keys | £100 | In the event of your car keys being lost or stolen from somewhere other than your car we will pay up to £100 for the cost of replacing the locks. |
| Courtesy Car | standard | Section 7 - Extra Cover 4 Replacement cars If you have an accident or make a (non glass) claim and our Approved Repairers are authorised to do the work,... expandSection 7 - Extra Cover 4 Replacement cars If you have an accident or make a (non glass) claim and our Approved Repairers are authorised to do the work, you will get a FREE replacement car whilst your car is being repaired. Unfortunately we cannot guarantee like for like. The replacement car will be insured by us under your car insurance on the same terms and conditions as your own car. IMPORTANT Replacement cars are not provided if your car has been stolen, is beyond economic repair, if you choose a repairer not on our approved repairer panel or your own car was originally produced for sale outside the EC. We cannot guarantee to provide a vehicle adapted for a person's special needs or disability.
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| Courtesy Car Period | during repair | Section 7 - Extra Cover 4 Replacement cars If you have an accident or make a (non glass) claim and our Approved Repairers are authorised to do the work,... expandSection 7 - Extra Cover 4 Replacement cars If you have an accident or make a (non glass) claim and our Approved Repairers are authorised to do the work, you will get a FREE replacement car whilst your car is being repaired. Unfortunately we cannot guarantee like for like. The replacement car will be insured by us under your car insurance on the same terms and conditions as your own car. IMPORTANT Replacement cars are not provided if your car has been stolen, is beyond economic repair, if you choose a repairer not on our approved repairer panel or your own car was originally produced for sale outside the EC. We cannot guarantee to provide a vehicle adapted for a person's special needs or disability.
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| Type of Courtesy Car | not defined | Section 7 - Extra Cover 4 Replacement cars If you have an accident or make a (non glass) claim and our Approved Repairers are authorised to do the work,... expandSection 7 - Extra Cover 4 Replacement cars If you have an accident or make a (non glass) claim and our Approved Repairers are authorised to do the work, you will get a FREE replacement car whilst your car is being repaired. Unfortunately we cannot guarantee like for like. The replacement car will be insured by us under your car insurance on the same terms and conditions as your own car. IMPORTANT Replacement cars are not provided if your car has been stolen, is beyond economic repair, if you choose a repairer not on our approved repairer panel or your own car was originally produced for sale outside the EC. We cannot guarantee to provide a vehicle adapted for a person's special needs or disability.
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| Windscreen Cover | standard | Windscreen damage 1 Cover for your windscreen We will pay: - to repair or replace broken glass in your car's windscreen or windows and any scratching to... expandWindscreen damage
1 Cover for your windscreen We will pay: - to repair or replace broken glass in your car's windscreen or windows and any scratching to the bodywork caused by the broken glass, as long as there has not been any other loss or damage Our Glass Repair Helpline (open 24 hours a day) is 0844 543 44262 What is not covered
We will not pay:
- to repair or replace sunroofs
- for replacement of the hood/roof structure of a convertible or cabriolet car when the glass forming part of it is not repairable
- any excess shown on your current Policy Schedule, unless the glass is repaired rather than replaced in which case no excess applies
- for a replacement car
- any windscreens or windows not made of glass eg perspex
- more than £50 for each incident, if the repair or replacement is not arranged via our Glass Repair Helpline
- more than the market value of the car at the time of loss (less the excess) Claims under this section will not affect your No Claims Bonus.See also... Page 20: General Exceptions Pages 22-26: General Conditions Pages 27-29: Extra Conditions (endorsements) collapse |
| Windscreen Etching | no | No |
| Foreign Use Cover | standard | Section 5 - Going abroad Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring in; - Great Britain,... expandSection 5 - Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring in; - Great Britain, Northern Ireland, Isle of Man and the Channel Islands - Any other country which is a member of the European Union - Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein The car is covered whilst it is being transported by air, sea or rail between those countries. Using your car abroad Your policy automatically includes a FREE International Motor Insurance Certificate for up to 30 consecutive days, in a trip, up to a total of 90 days in a year. The International Motor Insurance Certificate is only valid for the above named countries and there is no need to call us if you are taking your car to any of these countries. However, should you wish to travel to any country, not included in the above list, please call us and we may, in some instances, be able to issue a Green Card.See also... Page 20: General Exceptions Pages 22-26: General Conditions Pages 27-29: Extra Conditions (endorsements) collapse |
| Maximum Foreign Trip | 30 days | Section 5 - Going abroad Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring in; - Great Britain,... expandSection 5 - Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring in; - Great Britain, Northern Ireland, Isle of Man and the Channel Islands - Any other country which is a member of the European Union - Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein The car is covered whilst it is being transported by air, sea or rail between those countries. Using your car abroad Your policy automatically includes a FREE International Motor Insurance Certificate for up to 30 consecutive days, in a trip, up to a total of 90 days in a year. The International Motor Insurance Certificate is only valid for the above named countries and there is no need to call us if you are taking your car to any of these countries. However, should you wish to travel to any country, not included in the above list, please call us and we may, in some instances, be able to issue a Green Card.See also... Page 20: General Exceptions Pages 22-26: General Conditions Pages 27-29: Extra Conditions (endorsements) collapse |
| Maximum Annual Foreign Cover | 90 days | Section 5 - Going abroad Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring in; - Great Britain,... expandSection 5 - Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring in; - Great Britain, Northern Ireland, Isle of Man and the Channel Islands - Any other country which is a member of the European Union - Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein The car is covered whilst it is being transported by air, sea or rail between those countries. Using your car abroad Your policy automatically includes a FREE International Motor Insurance Certificate for up to 30 consecutive days, in a trip, up to a total of 90 days in a year. The International Motor Insurance Certificate is only valid for the above named countries and there is no need to call us if you are taking your car to any of these countries. However, should you wish to travel to any country, not included in the above list, please call us and we may, in some instances, be able to issue a Green Card.See also... Page 20: General Exceptions Pages 22-26: General Conditions Pages 27-29: Extra Conditions (endorsements) collapse |
| European Breakdown Cover | no | No |
| Inexprienced Driver Excess | £150 | £150 |
| Additional Excess for Drivers Under 21 | £250 | £250 |
| Additional Excess for Drivers Aged 21 - 24 | £150 | £150 |
| Uninsured Driver Excess | applied | There is no specific wording which states that the policy excess is not applied when the insured is involved in an accident with an uninsured driver. |
| Fire Excess | £150 | £150 |
| Maximum Value | market value | 2 What we will pay We will decide how to settle your claim. We will either: - pay to repair your car, or - pay a cash sum to replace the damaged car or... expand2 What we will pay We will decide how to settle your claim. We will either: - pay to repair your car, or - pay a cash sum to replace the damaged car or item. We may reduce the settlement or ask you to contribute towards the repair costs if the parts replaced were already worn or damaged or for removable audio/visual equipment that was not removed. If we give you a cash sum, the most we will pay is the market value of the car or items claimed for. collapse |
| Number of Protected NCD Claims | 2 in 3 years | 3 Protected or Guaranteed no claims bonus If eligible, you can choose to pay an additional premium at the start of your policy or at renewal, to protect... expand3 Protected or Guaranteed no claims bonus If eligible, you can choose to pay an additional premium at the start of your policy or at renewal, to protect or guarantee your No claims Bonus. By doing this you can prevent your no claims bonus being reduced after a fault claim has been made on your policy. There are differences in the level of protection given, so for further details please see Pages 27-29 Extra Conditions (endorsements), specifically extra conditions 5 & 6. If you wish to protect or guarantee your No Claims Bonus, please call our Customer Services Department on 0871 882 8208 and we will let you know if you are eligible to add this to your policy. Calls to 0871 numbers are charged at 8p per minute plus network extras. collapse |
| Uninsured Driver Protection | no | No |
| No Fault Claims Cover | no | No |
| Online Discount | 23% | You could save 23% on car insurance with multicar. |
| Second Car Discount | yes | The product is a Multi car policy. Discounts are part of the rate. |
| New Customer Discount | no | A discount is not provided. |
| Maximum No Claims Discount | 70% | Section - 6 No Claims Bonus 1 What happens to your bonus if you claim If you make a claim or a claim is made against you, and you do not have protected... expandSection - 6 No Claims Bonus 1 What happens to your bonus if you claim If you make a claim or a claim is made against you, and you do not have protected or guaranteed No Claims Bonus, we will reduce your No Claims bonus as follows:One claim If you make one claim during your period of insurance you will lose two years No Claims Bonus. If you had five or more years No Claims Bonus you will have three years No Claims Bonus at renewal.Two claims If you make two claims during your period of insurance you will lose four years No Claims Bonus. If you had five or more years No Claims Bonus you will have one year at renewal.Three or more claims If you make three or more claims you will lose all of your No Claims Bonus. This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we have to make a payment, we will reduce your No Claims Bonus unless we can get back all that we paid from those responsible. If you have a query regarding your No Claims Bonus, please call us. If you make a claim and your renewal premium has already been calculated, we reserve the right to amend or remove your No Claims Bonus and change your premium. 2 Claims that don't affect your bonus n payments made for windscreen damage n payments for emergency treatment fees n claims which aren't your fault where we have recovered all of our money 3 Protected or Guaranteed no claims bonus If eligible, you can choose to pay an additional premium at the start of your policy or at renewal, to protect or guarantee your No claims Bonus. By doing this you can prevent your no claims bonus being reduced after a fault claim has been made on your policy. There are differences in the level of protection given, so for further details please see Pages 27-29 Extra Conditions (endorsements), specifically extra conditions 5 & 6. If you wish to protect or guarantee your No Claims Bonus, please call our Customer Services Department on 0871 882 8208 and we will let you know if you are eligible to add this to your policy. Calls to 0871 numbers are charged at 8p per minute plus network extras.See also... Page 20: General Exceptions Pages 22-26: General Conditions Pages 27-29: Extra Conditions (endorsements) Specifically extra conditions 5 & 6 collapse |
| NCD Protection | yes | 3 Protected or Guaranteed no claims bonus If eligible, you can choose to pay an additional premium at the start of your policy or at renewal, to protect... expand3 Protected or Guaranteed no claims bonus If eligible, you can choose to pay an additional premium at the start of your policy or at renewal, to protect or guarantee your No claims Bonus. By doing this you can prevent your no claims bonus being reduced after a fault claim has been made on your policy. There are differences in the level of protection given, so for further details please see Pages 27-29 Extra Conditions (endorsements), specifically extra conditions 5 & 6. If you wish to protect or guarantee your No Claims Bonus, please call our Customer Services Department on 0871 882 8208 and we will let you know if you are eligible to add this to your policy. Calls to 0871 numbers are charged at 8p per minute plus network extras. collapse |
| Named Driver NCD | no | No |
| Multi Car Discount | yes | The product is a Multi car policy. Discounts are part of the rate. |
| Multi Car Discount | yes | yes |
| Multi Product Discount | no | A discount is not provided. |
| Pay Monthly Rate | 21.8% | 21.8% |
| Number of Monthly Payments | 10 | 10 |
| Direct Debit Fee | 8.50% | 8.50% |
