Personal cover – This covers the cost of recovery for any car that you might be driving, rather than just a specific vehicle. train tickets) to enable you to complete your journey if your car is not able to be repaired on the roadside. Onward journey cover – This covers the cost of onward travel (e.g. However, before taking out this policy, it is worth checking with your insurer whether this type cover is already included in your car insurance policy. It is also sometimes called ‘on drive’ cover.Įuropean breakdown cover – This will cover you if you breakdown whilst you are driving in Europe.
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Often there will be a number of different types of breakdown cover available such as:īreakdown repair cover – This covers the cost of recovery following a breakdown, plus extra cover available for spare parts should they be required.Īt home – This will cover your vehicle if it breaks down at home only (rather than when you’re out and about). And you don’t get to choose when or where it happens either – so it inevitably ends up happening at the most inconvenient time and location!īreakdown cover will typically include the cost of vehicle recovery following a breakdown, but usually not the repairs. No matter how well-maintained your car is, there is always the chance that your vehicle will break down.
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You should also read your full policy documents to understand which injuries are included. Remember, you will only be able to claim under your enhanced personal accident policy if you’re unable to claim from a third party. If basic personal accident cover is included, it may be possible to pay an additional amount to the insurer to increase the level of cover. You should check with your insurer whether this type of cover is included in your policy.
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Personal accident cover is often included as standard within a comprehensive insurance car policy, but not always. Personal accident insurance provides compensation for death and specified injuries sustained as a result of a car accident, as well as immediate security in assisting with bills, medical costs and other expenses that may be incurred for both you and your passengers. If you're injured in an accident, you may be left unable to work - either while you recover or permanently, dependent on the severity of your injuries. Car insurance legal cover will also often enable you to recoup any excess payment that you have had to pay following an accident where you were not at fault, or other losses such as loss of income of taxi expenses.įind out more about car insurance legal cover and what it covers. Remember, No Claims Bonus Protection does not protect the overall price of your insurance policy, and the price of your insurance policy may still increase following an accident even if you were not at fault.Ĭar insurance legal cover is designed to pay for your legal costs when pursuing a claim for uninsured losses if you are involved in a car accident that wasn’t your fault.Ĭovers can include the cost of defence if legal action is taken against you following an accident, or the costs of your legal claim against a third party if the third party is found to have been negligent. Read your policy documents to find out what’s covered. You will usually need to have accumulated 4 years or more No Claims Bonus to benefit, and there may also be a limit to the number of claims you're able to make while protecting your No Claims Bonus.
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This is where No Claims Bonus Protection can come in handy, allowing you to retain the same level of No Claims at renewal even if you’re at fault in an accident.
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This could potentially make your insurance premium more expensive at renewal. On a standard car insurance policy, if you have an accident during your policy term your insurer may ‘step back’ the number of NCB years you have. The more No Claims Bonus years you accrue, the more discount you may be eligible for on your car insurance. No Claims Bonus (also known as a “No Claims Discount") refers to the number of years you have had a car insurance policy in your own name without making a claim. You should always check the details for each add-on directly with your insurance provider before purchasing. These add-ons are likely to be at an additional cost, and will be subject to their own limits, terms and conditions. A variety of car insurance extras are commonly available in the UK which can often be added on to your standard insurance policy. When purchasing any car insurance policy, it is worth considering whether you would like to include any additional cover options too.