What you're covered for
Terms & Conditions apply. See Full Policy Details (PDF) [164kb]. 
| Comprehensive cover | What you are covered for |
|---|---|
| Loss or damage caused by fire, theft or attempted theft |
Up to the market value of your car as assessed at the time of loss |
| Accident damage | Up to the market value of your car as assessed at the time of loss |
| New car replacement | If your car is written off or stolen within 12 months of purchase from new registration |
| Accident recovery | Following an accident we will arrange for someone to come out and take your car to a repairer |
| Liability if someone else is hurt | Unlimited |
| Personal injury to you or your partner | Up to £7,500 |
| Emergency treatment | Unlimited |
| European Union Compulsory Insurance | Minimum compulsory cover |
| Legal expenses (optional) | £50,000 |
| European motoring cover | Upgrades you from minimum compulsory cover to same level of cover as in UK (i.e. comprehensive) |
| Breakdown service (optional)* | Roadside, home, recovery, onward transport and emergency overnight accommodation |
| Glass in windscreens or windows |
Replacement cost |
| Hire Car (optional) | Up to 14 days |
| Cover | Third Party, Fire & Theft Insurance | Third Party Only Insurance |
|---|---|---|
| Loss or damage caused by fire, theft or attempted theft |
Up to the market value of your car as assessed at the time of loss |
N/A |
| Vehicle recovery (if car damaged by fire, theft or attempted theft) |
From scene of incident to garage | N/A |
| Loss or damage to audio equipment (fire or theft) |
Up to £500 unless part of manufacturer’s specification, then unlimited |
N/A |
| Liability for death or injury to third parties |
Unlimited | Unlimited |
| Legal liability for damage to third party property |
Up to £20,000,000 which includes a limit of £5,000,000 for all costs, expenses and indirect losses |
Up to £20,000,000 which includes a limit of £5,000,000 for all costs, expenses and indirect losses |
| Driving a car not belonging to you | Third party only cover (Subject to eligibility) | Third party only cover (Subject to eligibility) |
| Emergency treatment (RTA) | Unlimited | Unlimited |
| European Union compulsory insurance |
Minimum Compulsory Cover | Minimum Compulsory Cover |
| Legal expenses (optional) | £50,000 | £50,000 |
| Hire car (optional) | Up to 14 days | Up to 14 days |
| Breakdown service (optional)* | Roadside, home, recovery, onward transport and emergency overnight accommodation |
Roadside, home, recovery, onward transport and emergency overnight accommodation |
*Breakdown Service is provided by RAC Motoring Services and RAC Insurance Limited. RAC Motoring Services (Registered No. 01424399, Registered Office: 8 Surrey Street, Norwich, NR1 3NG) in respect of insurance mediation activities only and RAC Insurance Limited (Registered No. 2355834, Registered Office: 8 Surrey Street, Norwich, NR1 3NG) are authorised and regulated by the Financial Services Authority.
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- For questions or quotes from mainland UK please call 0845 602 0198†
- For questions or quotes from Northern Ireland please call 0845 600 4824†
