First Alternative Car Insurance
Full product details for the First Alternative Car Insurance, including car insurance details, application criteria, discounts, excess, payments & fees, claims, courtesy car, cover, cover abroad, equipment cover, medical cover and windscreen cover. Apply online now.
 |  Compare First Alternative car insurance details against other car insurance or use our car insurance comparison tables.Did you know First Alternative also provide breakdown cover? | ||
| Company: | First Alternative www.firstalternative.co.uk | First Alternative www.firstalternative.co.uk | First Alternative www.firstalternative.co.uk |
| Product: | Standard Car Insurance | Car Insurance | Maximum Cover |
| details | details | details | |
| Quote via this site: |  | | |
| | | |
| Car Insurance Details | |||
 Online Discount: | 10% | 10% | 10% |
| 2nd Car Discount: | 0 | 0 | 0 |
| Max NCD: | 75 | 75 | 75 |
| Intro NCD: |  | | |
| Courtesy Car: | standard | | standard |
| Windscreen Cover: | standard | | standard |
| Adjustment Fee: | £26 | £26 | £26 |
| Application Criteria | |||
| Max Age: | 78 | n/a | 78 |
| Cancellation Period: | 7 days | 7 days | 7 days |
| Discounts | |||
| NCD Protection: |  | | |
| Guaranteed NCD: | optional | | optional |
| NCD Prot Claims: | Unlimited | n/a | Unlimited |
| NCD Scale: | 35% 45% 55% 65% 70% 71-75% | 35% 45% 55% 65% 70% 75% | 35% 45% 55% 65% 70% 71-75% |
| Named Driver NCD: | | | |
| Multi Car Discount: | 0 | 0 | 0 |
| Alarm Discount: | 0% | 0% | 0% |
| Immobiliser Discount: | 0% | 0% | 0% |
| Max Security Discount: | 0% | 0% | 0% |
| Company Car Discount: | | | |
| Multi Product Discount: | | | |
| Excess | |||
| Fire & Theft XS: | £150 | £150 | £150 |
| Driver 21-24 Excess: | £200 | £0 | £200 |
| Driver <21 Excess: | 350 | 0 | 350 |
| Inexp Driver XS: | £200 | £0 | £200 |
| AD Excess: | £0 | n/a | £0 |
| Windscreen XS - Repair: | £0 | n/a | £0 |
| Windscreen XS - Replace: | £75 | n/a | £75 |
| Windscreen XS - Non-App: | £75 | n/a | £75 |
| Payments & Fees | |||
| DDM Payments: | 10 | 10 | 10 |
| DDM APR: | 24.1% | 24.1% | 24.1% |
| DDM Fee: | 9.00 | 9.00 | 9.00 |
| Setup Fee: | £0 | £0 | £0 |
| Duplicate Documents Fee: | £26 | £26 | £26 |
| Cancellation Fee: | £60 | £60 | £60 |
| Renewal Fee: | £0 | £0 | £0 |
| Payment Default Fee: | 0 | 0 | 0 |
| Year 1 Cancellation: | pro-rata plus £11 or greater canc. fee | pro-rata plus £11 or greater canc. fee | pro-rata plus £11 or greater canc. fee |
| Year 2 Cancellation: | pro-rata plus £11 or greater canc. fee | pro-rata plus £11 or greater canc. fee | pro-rata plus £11 or greater canc. fee |
| Claims | |||
| Basis of Settlement: | click here | click here | click here |
| General Conditions: | click here | click here | click here |
| General Exclusions: | click here | click here | click here |
| Endorsements: | click here | click here | click here |
| Courtesy Car | |||
| Courtesy Car Provider: | repairer | n/a | repairer |
| Class of Courtesy Car: | small hatchback | n/a | small hatchback |
| Courtesy Car Period: | during repair | none | during repair |
| Courtesy Car Guarantee: | guaranteed | n/a | guaranteed |
| Total loss courtesy car: | | | |
| Total loss car period: | 0 | 0 | 0 |
| Enhanced Courtesy Car: | | n/a | |
| Gteed Courtesy Car: | n/a | | n/a |
| Cover | |||
| Underwriter: | esure Insurance Limited | esure Insurance Limited | esure Insurance Limited |
| Valet Parking: | | | |
| Cooling Off Period: | 14/full return of premium | 14/full return of premium | 14/full return of premium |
| Accidental Damage: | | n/a | |
| Max Value: | market value | market value | market value |
| New Car Damage: | 60 | 60 | 60 |
| New Car Replacement: | | | |
| New Car Period: | 12 months | 12 months | 12 months |
| Foreign New Cars: | | | |
| Legal Costs: | as agreed | as agreed | as agreed |
| Rescue Cover: | service | | service |
| Rescue cover basis: | repairer | cost | repairer |
| Fire & Theft: | | | |
| Car Sharing: | | | |
| Motor Trade: | | | |
| Loss of Road Tax: | | | |
| Suspension of Cover: | | | |
| No Blame No Claim: | | | |
| Uninsured Driver Benefit: | | n/a | |
| Accident - Transport: | | n/a | |
| Repairs Guarantee: | all | all | all |
| Repairs Guar - Period: | 5 years | 5 years | 5 years |
| Onward - Transport: | n/a | | n/a |
| Breakdown Cover: | n/a | optional | n/a |
| Hotel Expenses: | £200 | £0 | £200 |
| Max Hotel Exp: | £400 | £0 | £400 |
| Road Rage: | 0 | 0 | 0 |
| Car Jacking: | 0 | n/a | 0 |
| Cover Abroad | |||
| Foreign Use: | standard | standard | standard |
| Max Free Foreign Days: | 3 days | 3 days | 3 days |
| Max Foreign Trip: | 90 days | 90 days | 90 days |
| Green Card: | | | |
| Customs Duty: | | | |
| Equipment Cover | |||
| Personal Belongings: | 100 | 0 | 400 |
| Audio Limit - Man: | Unlimited | Unlimited | Unlimited |
| Audio Limit - Non-Man: | £1,000 | £1,000 | £1,750 |
| Sat. Nav. Limit - Man: | Unlimited | Unlimited | Unlimited |
| Sat. Nav. Limit - Non Man: | £1,000 | £1,000 | £1,750 |
| Fixed Car Phones: | | | |
| Child Car Seat: | | | |
| Car Seat Claims Basis: | full replacement | n/a | full replacement |
| Theft of Keys: | Unlimited | Unlimited | Unlimited |
| Loss of Keys: | £0 | £0 | £0 |
| Keys in Car Exclusion: | | | |
| Attached Trailers: | £0 | £0 | £0 |
| Medical Cover | |||
| Medical Expenses: | £100 | £0 | £400 |
| PA - Max Age: | Unlimited | n/a | Unlimited |
| PA - Disability: | £5,000 | £0 | £15,000 |
| PA - Sight: | £5,000 | £0 | £15,000 |
| PA - Death: | £5,000 | £0 | £15,000 |
| Third Party Injury: | Unlimited | Unlimited | Unlimited |
| Third Party Property: | £20,000,000 | £20,000,000 | £20,000,000 |
| Physio. Treatment: | | n/a | |
| Windscreen Cover | |||
| Windscreen Limit: | Unlimited | £0 | Unlimited |
| Windscreen Limit Non-App: | £100 | n/a | £100 |
| Windscreen - Windows: | | | |
| Windscreen - Sunroofs: | | | |
| Windscreen Etching: | | | |
| Windscreen Helpline: | | | |
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