Car Insurance

What’s covered

• Loss or damage to your vehicle
  Cover if your vehicle is lost, stolen or damaged 
  
• Your liability
  Cover if you injure someone or damage their vehicle or property in an accident 
  
• Uninsured driver cover
  If your vehicle is involved in an accident caused by an uninsured motorist, we'll refund any excess you've paid. You’ll need to provide us with details of the other vehicle and driver
• Vehicle recovery
  If you have an accident and your vehicle is not roadworthy we’ll take it to one of our approved garages
• Driving other cars
  Cover for driving someone else’s car (if you’re aged 25 or over) ^{Footnote [3]}
• Legal costs
  Cover for legal costs if you’re involved in an accident that you're legally liable for
  
• Motor injury protection
  Cover for you, your partner and named drivers for death or serious injury after a motor accident 
  
• Individual no claim discount
  Earn a no claim discount on each vehicle you insure 
  

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Electrical breakdown
  Including problems with the on-board computers – as well as electrical components
  
• Tyres
  Any punctures, cuts or bursts – including those caused by braking
• Resale value
  We can’t cover you for any loss in value of your car after repair

Take a look at our policy booklet for full details of what's not covered.

Read our Motor Insurance Policy Booklet (PDF 554 KB)

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

• Breakdown cover
  Roadside assistance, Recovery, At Home and Onward Travel to add to your car insurance ^{Footnote [4]}. Not available if you live in Northern Ireland
• Protected no claim discount
  You won't lose your no claim discount as a direct result of a single claim
• Motor legal
  Help recovering your compensation and financial losses after a motor incident which wasn't your fault 
• Courtesy car
  Access to a replacement vehicle, with standard and enhanced options available
• Foreign use
  Cover driving in most European countries
• Motor Injury Protection Plus
  Injury cover and physiotherapy for you, your partner and any named drivers after a motor accident
  

Take a look at our Insurance product information document for more information about the extras available.

Read our Insurance product information document (PDF 82 KB)

What’s covered

• Damage to your vehicle
  Cover against loss or damage to your car due to fire, theft or attempted theft
  
• Vehicle recovery
  Protection and removal of your vehicle if damaged by fire, theft or attempted theft
• Legal costs
  Cover for legal costs if you’re involved in an accident that you're legally liable for

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• New vehicle replacement 
  Not included with this cover option
  
• Medical expenses
  Any medical expenses if you’ve been injured in an accident
• Personal belongings
  Loss or damage to any of your personal belongings
• Replacement locks 
  Locks, transmitters and immobilisers if your keys are lost or stolen
• Replacement glass
  Repair or replacement of glass

Take a look at our policy document for full details of what’s not covered.

Read our Motor Insurance Policy Booklet (PDF 498 KB)

What’s optional

Choose optional add-ons at an additional cost to create cover that suits you.

• Breakdown cover
  Roadside assistance, Recovery, At Home and Onward Travel to add to your car insurance ^{Footnote [4]}. Not available if you live in Northern Ireland
• Motor legal
  Help recovering your compensation and financial losses after a motor incident which wasn't your fault
• Protected no claim discount
  Your premium won’t increase as a direct result of 1 claim when you renew

Take a look at our Insurance product information document for more information about the extras available.

Read our Insurance product information document (PDF 82 KB)