Skip to: Main Content | Site Links

 
What's covered?

We offer three kinds of car insurance – take a look at the table below and choose the one that works for you.

Comprehensive
The daddy. You and your car will be covered for any accident you have, whether it’s your fault or not. You’re also protected against your car being stolen, fire damaged or broken into, and we’ll give you a courtesy car while it’s being repaired (subject to availability when you use an approved repairer).

Third party, fire and theft
You’re covered for damage you do to others, if your car catches fire or someone steals it. But cause an accident and any repairs to your car will be coming out of your pocket.

Third party
The bare minimum you need, to be on the roads. If a bump’s your fault, damage you do to other people’s cars or property is covered. Whatever happens to your car isn’t. And you can only have this cover if your car’s worth less than £5,000. This cover’s only available by phone – if you’d like a third party quote you’ll need to give us a call.


Am I covered if...
Comprehensive
3rd Party
(Fire & Theft)
3rd Party
I crash into someone else’s car or damage their property? YesYesYes
I crash my car? YesNoNo
I injure another person? YesYesYes
I injure myself and need emergency medical help? YesYesYes
I injure myself and need ongoing medical help? YesNoNo
My car gets torched? YesYesNo
My car gets nicked? YesYesNo
My windscreen or windows get smashed? YesNoNo
My stereo gets nicked? YesNoNo
I need a courtesy car while mine’s being fixed? YesNoNo
My personal property in the car gets nicked or damaged? YesNoNo

Acrobat PDF logoFor more detailed info, check out the policy document

 

You can also choose to add on:

No Claims Discount Protection
If you've had car insurance in your name for one year or more and haven't made a claim, you can get a 'no claims discount'. When you've got at least four years no claims discount you can protect it.

It costs a bit extra to add this to your cover but it means if you do have to make a claim, we'll pay it and then when you come to renew your policy, you keep your no claims discount.

Motor Legal Protection
If you’ve got Motor Legal Protection and you’re injured in a road accident that’s not your fault, we’ll pay the legal costs (up to £50,000) to help you recover losses not included in your insurance policy – like your policy excess and hire car costs. And we’ll also help you claim compensation for death or injury. On top of that, it covers any authorised drivers and passengers travelling with you at the time of the accident. Find out more about Motor Legal Protection.

Breakdown Cover
Top of the range roadside cover and home restart for only £69.30 a year provided by Green Flag Motoring Assistance. 24 hours a day, 365 days a year. Find out more about Breakdown Cover