| 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 old. |
| Available Direct | yes | This product is available direct from the provider. |
| Available via | direct | Direct |
| Available Online | yes | Yes |
| Fire & Theft | yes | SECTION 2 THIRD PARTY FIRE AND THEFT COVER A. LOSS OR DAMAGE What is covered Loss of or damage to Your Car We will pay for loss of or damage to Your Car... expandSECTION 2 THIRD PARTY FIRE AND THEFT COVER
A. LOSS OR DAMAGE
What is covered
Loss of or damage to Your Car
We will pay for loss of or damage to Your Car caused by: a) Fire b) Theft We will also cover Your Cars spare parts and accessories in the same way as long as they are kept in or on Your Car or in Your own private garage and fall within the maximum amount We will pay. Payment of claims for loss or damage
We will, at Our reasonable option - pay the cost of repairs or pay You in cash the amount of any loss or damage where repair can be economically made; or - replace Your Car with a car of the same Market Value or pay You in cash for the loss or damage where Your Car is stolen and not recovered or damaged beyond economical repair. The stolen or damaged Car will then belong to Us. If to Our knowledge Your Car belongs to someone else or is the subject of a Hire Purchase or Leasing Agreement, payment for the total loss or destruction of Your Car will normally be made to the legal owner whose receipt will be a full and final discharge to Us. If Your Car is disabled due to damage covered by this section, We will pay - the reasonable cost of protecting and removing Your Car to the nearest repairer - the reasonable cost of delivery following repair to Your address in the United Kingdom. Damage to Your Car
Contact the Endsleigh New Claim Notification Helpline on 08000 969679 who will advise You how to proceed. In some accidents where You are clearly not at fault it may be possible for Us to arrange repairs and/or supply a hire car to You free of charge whilst We pursue the negligent third party on Your behalf. We will advise You whether this course of action is available to You when You ring. What is the most We will pay?
Loss of or damage to Your Car
We will not pay - more than the Market Value of Your Car at the time of the loss or damage - the amount of any repair or replacement which improves Your Car beyond its condition before the loss or damage - more than the last list or quoted price for any parts or accessories which have become unobtainable or are no longer manufactured - costs associated with the return of Your Car to the legal owner following a theft What is not covered
a) You will have to pay the total Excess specified in Your Statement of Insurance in respect of each claim for loss of or damage to Your Car. The amount of the Excess may vary according to the nature of the claim and as such, there may be more than one statement of Excess shown in Your Statement of Insurance.
b) Loss of use of Your Car.
c) Depreciation, wear and tear.
d) Mechanical, electrical and electronic faults, breakdown, malfunction, failure or breakage.
e) Loss of value of Your Car following repair.
f) Loss of or damage to Your Car caused directly or indirectly through Theft by deception.
g) Loss of or damage to Your Car arising from Theft, when ignition keys are in or on Your Car.
h) You are not covered for loss of or damage to
- telephones, television equipment or two-way radio transmitters or receivers
- money, stamps, tickets, documents, securities, lottery tickets, raffle tickets, promotional vouchers or Air Miles vouchers
- goods, tools or samples carried in connection with any trade or business
- property that is covered under any other policy.
i) Loss of or damage to Your Car arising from confiscation or requisition or destruction by or under order of any Government or Public or Local Authority.
j) Loss as a result of taking Your Car and returning it to its legal owner.
k) Where Your Car has not been built to UK specification and any part, unit or accessory of Your Car becomes unobtainable or obsolete in the UK You are not covered for any increase in repair or replacement of the part, unit or accessory due to non availability and/or waiting time for delivery, or any associated storage costs. collapse |
| Accidental Damage Cover | yes | SECTION 1 COMPREHENSIVE COVER A. LOSS OR DAMAGE What is covered Loss of or damage to Your Car We will pay for loss of or damage to Your Car. We will also... expandSECTION 1 COMPREHENSIVE COVER
A. LOSS OR DAMAGE What is covered
Loss of or damage to Your Car
We will pay for loss of or damage to Your Car. We will also pay for loss of or damage to Your Cars spare parts and accessories as long as they are kept in or on Your Car or in Your own private garage and fall within the maximum amount We will pay. Payment of claims for loss or damage
We will, at Our reasonable option - pay the cost of repairs or pay You in cash the amount of any loss or damage where repair can be economically made; or - replace Your Car with a car of the same Market Value or pay You in cash for the loss or damage where Your Car is stolen and not recovered or damaged beyond economical repair. The stolen or damaged Car will then belong to Us If to Our knowledge Your Car belongs to someone else or is the subject of a hire purchase or leasing agreement, payment for the total loss or destruction of Your Car will normally be made to the legal owner whose receipt will be a full and final discharge to Us. If Your Car is disabled due to damage covered by this section, We will pay - the reasonable cost of protecting and removing Your Car to the nearest repairer - the reasonable cost of delivery following repair to Your address in the United Kingdom. What is the most We will pay?
Loss of or damage to Your Car
We will not pay - more than the Market Value of Your Car at the time of the loss or damage - the amount of any repair or replacement which improves Your Car beyond its condition before the loss or damage - more than the last list or quoted price for any parts or accessories which have become unobtainable or are no longer manufactured. What is not covered
a) You will have to pay the total Excess specified in Your Statement of Insurance in respect of each claim for loss of or damage to Your Car. The amount of the Excess may vary according to the nature of the claim and as such, there may be more than one statement of Excess shown in Your Statement of Insurance.
b) Loss of use of Your Car.
c) Depreciation, wear and tear.
d) Mechanical, electrical and electronic faults, breakdown, malfunction, failure or breakage.
e) Damage to tyres caused by the application of brakes or by punctures, cuts or bursts.
f) Loss of value of Your Car following repair.
g) Loss of or damage to Your Car caused directly or indirectly through Theft by deception.
h) Loss of or damage to Your Car arising from Theft, when ignition keys are in or on Your Car.
i) You are not covered for loss of or damage to
- telephones, television equipment or two-way radio transmitters or receivers.
- money, stamps, tickets, documents, securities, lottery tickets, raffle tickets, promotional vouchers or Air Miles vouchers.
- goods, tools or samples carried in connection with any trade or business.
- property that is covered under any other policy
j) Loss of or damage to Your Car arising from confiscation or requisition or destruction by or under order of any Government or Public or Local Authority.
k) Loss as a result of taking Your Car and returning it to its legal owner.
l) Loss of or damage to Your Car arising from or in consequence of water freezing in the cooling circulation system of Your Car.
m) Where Your Car has not been built to UK specification and any part, unit or accessory of Your Car becomes unobtainable or obsolete in the UK You are not covered for any increase in repair or replacement of the part, unit or accessory due to non availability and/or waiting time for delivery, or any associated storage costs. collapse |
| UK Breakdown Cover | optional | Optional |
| Legal Advice Helpline | optional | HOW TO MAKE A CLAIM This information does not form part of Your contract of motor insurance. It is intended as a guide in the event that You need to make... expandHOW TO MAKE A CLAIM
This information does not form part of Your contract of motor insurance. It is intended as a guide in the event that You need to make a claim. If You have Comprehensive cover please phone Uninsured Loss Recovery and Legal Defence 0800 096 9689 collapse |
| Multi Car Policy | no | this policy does not offer multi car insurance |
| Personal Belongings Cover | £100 | Personal Effects We will pay for loss of or damage to Personal Effects whilst in or on Your Car. What is the most We will pay? Personal Effects The maximum... expandPersonal Effects
We will pay for loss of or damage to Personal Effects whilst in or on Your Car. What is the most We will pay? Personal Effects
The maximum amount We will pay for loss of or damage to Personal Effects whilst in or on Your Car is £100. collapse |
| Child Car Seat Cover | no | No |
| Manufacturer Audio Cover | Unlimited | Audio Equipment We will pay for loss of or damage to Your Cars fitted audio equipment and fitted navigation equipment in Your Car. What is the most We... expandAudio Equipment
We will pay for loss of or damage to Your Cars fitted audio equipment and fitted navigation equipment in Your Car. What is the most We will pay? Audio Equipment
The maximum amount We will pay in total for your Your Cars fitted audio and navigation equipment is shown in Your Statement of Insurance. We will not pay more than the value of the audio and navigation equipment at the time of the loss or damage, after making a reasonable deduction for wear and tear. collapse |
| Manufacturer Sat Nav Cover | Unlimited | Audio Equipment We will pay for loss of or damage to Your Cars fitted audio equipment and fitted navigation equipment in Your Car. What is the most We... expandAudio Equipment
We will pay for loss of or damage to Your Cars fitted audio equipment and fitted navigation equipment in Your Car. What is the most We will pay? Audio Equipment
The maximum amount We will pay in total for your Your Cars fitted audio and navigation equipment is shown in Your Statement of Insurance. We will not pay more than the value of the audio and navigation equipment at the time of the loss or damage, after making a reasonable deduction for wear and tear. collapse |
| Loss of Keys | £2,500 | Optional cover available What is Key Care? For just £12.50 your cover includes... - Up to £2,500 for replacement locks, keys and locksmith... expandOptional cover available
What is Key Care? For just £12.50 your cover includes... - Up to £2,500 for replacement locks, keys and locksmith charges - Home, Office and Car Immobiliser keys - A 24 hour help line, 365 days a year - Up to 3 days immediate emergency car hire or public transport costs (if your car keys are stolen) - Keys returned within 24 hours if they are recovered - An additional key fob (a security key ring) is available for just £5.50 extra - No excess collapse |
| Courtesy Car | standard | E. ADDITIONAL BENEFITS What is covered 6. Damage to Your Car If Your motor insurance policy covers You for the cost of repairs to Your Car as a result... expandE. ADDITIONAL BENEFITS
What is covered
6. Damage to Your Car
If Your motor insurance policy covers You for the cost of repairs to Your Car as a result of damage, fire or a theft, You should contact the Endsleigh New Claim Notification Helpline on 0800 7834433. We have access to a select nationwide network of garages who will:- - arrange for Your damaged car to be collected - leave a replacement car for Your use whilst Your Car is being repaired The replacement car will be a small family saloon car or similar What is not covered
6. Damage to Your Car
A replacement car is not available if
- Your Car has been stolen and has not been recovered; or
- Your Car has been damaged beyond economical repair; or
- Whilst Your car is being inspected if the likelihood is it has been damaged beyond economical repair; or
- Your Car was damaged whilst Your policy was extended for use abroad; or
- Your Car has been imported; or
- Your Car is used for commercial travelling, driving instruction or public or private hire collapse |
| Courtesy Car Period | during repair | E. ADDITIONAL BENEFITS What is covered 6. Damage to Your Car If Your motor insurance policy covers You for the cost of repairs to Your Car as a result... expandE. ADDITIONAL BENEFITS
What is covered
6. Damage to Your Car
If Your motor insurance policy covers You for the cost of repairs to Your Car as a result of damage, fire or a theft, You should contact the Endsleigh New Claim Notification Helpline on 0800 7834433. We have access to a select nationwide network of garages who will:- - arrange for Your damaged car to be collected - leave a replacement car for Your use whilst Your Car is being repaired The replacement car will be a small family saloon car or similar What is not covered
6. Damage to Your Car
A replacement car is not available if
- Your Car has been stolen and has not been recovered; or
- Your Car has been damaged beyond economical repair; or
- Whilst Your car is being inspected if the likelihood is it has been damaged beyond economical repair; or
- Your Car was damaged whilst Your policy was extended for use abroad; or
- Your Car has been imported; or
- Your Car is used for commercial travelling, driving instruction or public or private hire collapse |
| Type of Courtesy Car | medium hatchback | E. ADDITIONAL BENEFITS What is covered 6. Damage to Your Car If Your motor insurance policy covers You for the cost of repairs to Your Car as a result... expandE. ADDITIONAL BENEFITS
What is covered
6. Damage to Your Car
If Your motor insurance policy covers You for the cost of repairs to Your Car as a result of damage, fire or a theft, You should contact the Endsleigh New Claim Notification Helpline on 0800 7834433. We have access to a select nationwide network of garages who will:- - arrange for Your damaged car to be collected - leave a replacement car for Your use whilst Your Car is being repaired The replacement car will be a small family saloon car or similar What is not covered
6. Damage to Your Car
A replacement car is not available if
- Your Car has been stolen and has not been recovered; or
- Your Car has been damaged beyond economical repair; or
- Whilst Your car is being inspected if the likelihood is it has been damaged beyond economical repair; or
- Your Car was damaged whilst Your policy was extended for use abroad; or
- Your Car has been imported; or
- Your Car is used for commercial travelling, driving instruction or public or private hire collapse |
| Windscreen Cover | standard | Windscreen Cover We will pay for - the breakage of glass in the windscreen or windows of Your Car - scratching of its bodywork caused solely by this breakage.... expandWindscreen Cover
We will pay for - the breakage of glass in the windscreen or windows of Your Car - scratching of its bodywork caused solely by this breakage. We do not consider a sun roof to be a windscreen or window. What is the most We will pay? Windscreen Cover
The maximum amount We will pay is shown in Your Statement of Insurance. The Statement of Insurance will also indicate the application of an Excess, unless the damaged windscreen or window is repaired rather than replaced. If this is the only damage You claim for and the cost of the claim is equal to or less than the maximum amount shown in Your Statement of Insurance, Your No Claims Discount will not be affected. collapse |
| Windscreen Etching | no | No |
| Foreign Use Cover | standard | C. DRIVING ABROAD What is covered Cover in the European Union for up to 90 days We will automatically extend Your cover (as shown in Your Statement of... expandC. DRIVING ABROAD
What is covered
Cover in the European Union for up to 90 days
We will automatically extend Your cover (as shown in Your Statement of Insurance) beyond the United Kingdom, for any country which is a member of the European Union, and to any other country which agrees to follow European Union directives on motor insurance and is approved by the Commission of the European Union, for up to 90 days during the Period of Insurance. Cover abroad outside of the European Union and/or in excess of 90 days
If You are visiting a country not referred to above or Your trip abroad will last for more than 90 days, You must give Us prior notification of Your intention to use Your Car abroad and pay any additional premium required, We will extend Your cover (as shown in Your Statement of Insurance) beyond the United Kingdom for the period specified by You. If You do not tell us and Your policy is not endorsed We will provide only the minimum cover which is legally required to use Your Car in the countries referred to above, and no cover at all will apply in any other country. Full cover abroad
- Your cover in the United Kingdom (as shown in your Statement of Insurance) is extended subject to the countries you are visiting and the period of time you are abroad as outlined above - in transit (including loading and unloading) between any countries to which this Motor Policy applies, but such transit must be by a recognised sea, air or rail route which takes 65 hours or less under normal conditions. - We will cover the reasonable cost of the return of Your Car to Your address in the United Kingdom in the event of loss or damage covered by this Motor Policy if: a) it is not possible to economically repair Your Car prior to Your intended return to the United Kingdom b) following its loss, Your Car is recovered after Your return to the United Kingdom Northern Ireland
If You are permanently resident in Northern Ireland, cover is extended to include temporary use of Your Car in the Republic of Ireland. Customs Duty
We will pay any customs duty for which You are legally liable in respect of Your Car after it has been imported into any country which is a member of the European Union or which agrees to follow European Union directives on motor insurance as a direct result of any loss or damage covered by this Motor Policy. collapse |
| Maximum Foreign Trip | 90 days | C. DRIVING ABROAD What is covered Cover in the European Union for up to 90 days We will automatically extend Your cover (as shown in Your Statement of... expandC. DRIVING ABROAD
What is covered
Cover in the European Union for up to 90 days
We will automatically extend Your cover (as shown in Your Statement of Insurance) beyond the United Kingdom, for any country which is a member of the European Union, and to any other country which agrees to follow European Union directives on motor insurance and is approved by the Commission of the European Union, for up to 90 days during the Period of Insurance. Cover abroad outside of the European Union and/or in excess of 90 days
If You are visiting a country not referred to above or Your trip abroad will last for more than 90 days, You must give Us prior notification of Your intention to use Your Car abroad and pay any additional premium required, We will extend Your cover (as shown in Your Statement of Insurance) beyond the United Kingdom for the period specified by You. If You do not tell us and Your policy is not endorsed We will provide only the minimum cover which is legally required to use Your Car in the countries referred to above, and no cover at all will apply in any other country. Full cover abroad
- Your cover in the United Kingdom (as shown in your Statement of Insurance) is extended subject to the countries you are visiting and the period of time you are abroad as outlined above - in transit (including loading and unloading) between any countries to which this Motor Policy applies, but such transit must be by a recognised sea, air or rail route which takes 65 hours or less under normal conditions. - We will cover the reasonable cost of the return of Your Car to Your address in the United Kingdom in the event of loss or damage covered by this Motor Policy if: a) it is not possible to economically repair Your Car prior to Your intended return to the United Kingdom b) following its loss, Your Car is recovered after Your return to the United Kingdom Northern Ireland
If You are permanently resident in Northern Ireland, cover is extended to include temporary use of Your Car in the Republic of Ireland. Customs Duty
We will pay any customs duty for which You are legally liable in respect of Your Car after it has been imported into any country which is a member of the European Union or which agrees to follow European Union directives on motor insurance as a direct result of any loss or damage covered by this Motor Policy. collapse |
| Maximum Annual Foreign Cover | 90 days | C. DRIVING ABROAD What is covered Cover in the European Union for up to 90 days We will automatically extend Your cover (as shown in Your Statement of... expandC. DRIVING ABROAD
What is covered
Cover in the European Union for up to 90 days
We will automatically extend Your cover (as shown in Your Statement of Insurance) beyond the United Kingdom, for any country which is a member of the European Union, and to any other country which agrees to follow European Union directives on motor insurance and is approved by the Commission of the European Union, for up to 90 days during the Period of Insurance. Cover abroad outside of the European Union and/or in excess of 90 days
If You are visiting a country not referred to above or Your trip abroad will last for more than 90 days, You must give Us prior notification of Your intention to use Your Car abroad and pay any additional premium required, We will extend Your cover (as shown in Your Statement of Insurance) beyond the United Kingdom for the period specified by You. If You do not tell us and Your policy is not endorsed We will provide only the minimum cover which is legally required to use Your Car in the countries referred to above, and no cover at all will apply in any other country. Full cover abroad
- Your cover in the United Kingdom (as shown in your Statement of Insurance) is extended subject to the countries you are visiting and the period of time you are abroad as outlined above - in transit (including loading and unloading) between any countries to which this Motor Policy applies, but such transit must be by a recognised sea, air or rail route which takes 65 hours or less under normal conditions. - We will cover the reasonable cost of the return of Your Car to Your address in the United Kingdom in the event of loss or damage covered by this Motor Policy if: a) it is not possible to economically repair Your Car prior to Your intended return to the United Kingdom b) following its loss, Your Car is recovered after Your return to the United Kingdom Northern Ireland
If You are permanently resident in Northern Ireland, cover is extended to include temporary use of Your Car in the Republic of Ireland. Customs Duty
We will pay any customs duty for which You are legally liable in respect of Your Car after it has been imported into any country which is a member of the European Union or which agrees to follow European Union directives on motor insurance as a direct result of any loss or damage covered by this Motor Policy. collapse |
| European Breakdown Cover | optional | Optional |
| Inexprienced Driver Excess | varies | The excess will vary according to the insurer chosen. |
| Additional Excess for Drivers Under 21 | varies | The excess will vary according to the insurer chosen. |
| Additional Excess for Drivers Aged 21 - 24 | varies | The excess will vary according to the insurer chosen. |
| 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 | £100 | £100 |
| Maximum Value | market value | A. LOSS OR DAMAGE
What is the most We will pay?
Loss of or damage to Your Car
We will not pay
- more than the Market Value of Your Car at the time of the loss or damage |
| Number of Protected NCD Claims | 2 in 5 years | 2 in 5 years |
| Uninsured Driver Protection | no | No |
| No Fault Claims Cover | no | No |
| Online Discount | varies | Internet discount automatically included. |
| Second Car Discount | no | A discount is not provided. |
| New Customer Discount | no | A discount is not provided. |
| Maximum No Claims Discount | 76% | For every year you don't claim your no claims discount could increase up to 76%. D. NO CLAIMS DISCOUNT We may allow a No Claims Discount against Your... expandFor every year you don't claim your no claims discount could increase up to 76%.
D. NO CLAIMS DISCOUNT
We may allow a No Claims Discount against Your renewal premium if no claim has been made or arisen or if no claim is likely to be made under this Motor Policy during the previous Period of Insurance. Claims which do not affect Your No Claims Discount
- the breakage of glass in the windscreen or windows of Your Car (excluding a sun roof) and scratching of its bodywork caused solely by the breakage up to the maximum amount shown in Your Statement of Insurance - any claim for payment of Emergency Treatment Fees as required by the Road Traffic Acts - any claim where We have obtained a full recovery of any costs. collapse |
| NCD Protection | yes | Yes |
| Named Driver NCD | no | No |
| Multi Car Discount | no | A discount is not provided. |
| Multi Car Discount | no | no |
| Multi Product Discount | no | A discount is not provided. |
| Number of Monthly Payments | 11 | A deposit is required followed by 11 payments by Direct Debit. |
