Breakdown Cover
Breaking down during the course of a journey or the failure of your vehicle to start outside your home could result in the unexpected expense of paying for assistance. To avoid such cost and frustration, we recommend our Award Winning Breakdown Service offering varying levels of cover to suit your needs.
What’s included?
Roadside (Assistance and Recovery) + More information:
UK Roadside Assistance:
- Help at the roadside where the breakdown occurs more than a ¼ of a mile from your home address or the normal place of garaging.
- Recovery to a local place of repair or to a destination of your choice up to 10 miles from the breakdown
- Message Relay service –for example a phone call to a family member, friend or colleague.
- Caravans and trailers that are attached to your vehicle at the time of the vehicle breakdown are recovered with your vehicle, you and passengers.
UK Roadside Recovery:
All the benefits of UK Roadside Assistance plus:
- Recovery to a destination of your choice anywhere in the UK if the breakdown occurs more than a ¼ of a mile from your home address or the normal place of garaging and the vehicle cannot be repaired by the end of the working day.
- A relief driver if you fall ill or suffer an injury that prevents you from driving.
Homestart (Assistance) + More information:
All the benefits of Roadside Assistance and UK Recovery plus
- Help at your home address or the normal place of garaging or within a ¼ of a mile of your home address or the normal place of garaging if your vehicle suffers a breakdown.
- Recovery to a local place of repair if repair is not possible at your home address or the normal place of garaging.
- Recovery to a destination of your choice anywhere in the UK if the breakdown occurs more than a ¼ of a mile from your home address or the normal place of garaging and the vehicle cannot be repaired by the end of the working day.
- A choice of either a hire car (up to 1600cc) for 48 hours, alternative transport up to £100 or overnight accommodation up to £60 per person (to a maximum of £500) if your vehicle cannot be repaired by the end of the working day.
- The cost of one single rail fare to enable the driver to collect the vehicle once repaired.
- A relief driver if you fall ill or suffer an injury that prevents you from driving.
European (Assistance and Recovery) + More information:
European Assistance and Recovery:
All the benefits of UK Recovery & Home Assist plus:
- European Cover (countries included within agreed geographical limits ) – including cover before you travel, missed Motorail connections, transporting your vehicle home and loss of use of the vehicle while abroad
Legal Expenses
If you are involved in a motor vehicle accident where the other driver is identifiable and is also at fault, our Motor Legal Expense policy will give you a stress free service to recover 100% of your uninsured losses. For a small cost this service will give full management of your claim from start to finish, together with legal advice, available 24 hours a day.
What’s included? + More information:
- £100,000 protection for legal costs following an accident caused by someone else.
- Personal Injury Claims - keep 100% of compensation for any injuries sustained. Without this cover your solicitor may take 25% in fees.
- Recovery of uninsured losses, including your excess, loss of earnings, and any out of pocket expenses.
- 24 hour legal help line and letter writing service.
Excess Protection
Excess Protection offers cover against having to pay an Excess on your motor insurance in the event of a Fault or unrecoverable claim.
What’s included? + More information:
Cover Excess up to £250.00
If a claim is deemed to be your fault you'll usually have to make an excess payment to make a claim under your Main Insurance Policy. Excess protection will ensure that the excess you have to pay is refunded in full up to your policy limit in the event of a fire, theft or vandalism claim or an accident that was deemed your fault. This means that the Motor Excess Protection Policy effectively works alongside your main Insurance policy often leaving you without any contribution to pay towards your claim.
Having a higher excess when buying Motor Insurance often signals to the insurer that in sharing a greater part of the risk you are likely to take better care to avoid a loss. This in turn could possibly reduce your overall premium.
Being involved in an accident with an uninsured driver may result in your excess being unrecoverable. Excess Protection Insurance could be used to redeem your excess in this scenario.
Goods in Transit
If you transport goods, tools or materials on a regular basis, Goods in Transit insurance is an essential policy which is key in helping to ensure the safe keeping or replacement of important stock, materials and tools en route and between jobs.
