What is Comprehensive car insurance?
This covers you if your car is stolen, accidentally damaged or damaged by fire. You're also covered for claims made against you by other people for damage to their property or for bodily injury.
Our Comprehensive cover at a glance
|Fair claim commitment||
Unlike some other insurers you can claim and your No Claim Discount is safe if the damage is caused by; potholes or poor road maintenance, theft from or of your car, being hit while parked, flood damage, if you hit or are hit by an animal, or hit by an object or debris (excluding vehicles).
With Comprehensive and Comprehensive Plus cover. Excludes Essentials cover and Van Insurance. Excess applies.
If you make a claim for damage to your car caused by vandalism, you won't lose your No Claim Discount.
The incident must be reported to the police and assigned a crime reference number. The excess must also be paid when making the claim. The damage can't have been caused by another vehicle.
|Used car replacement||
A choice between a replacement car like yours, a cash settlement or you can pay the difference for an upgrade, if your car is written off due to an accident, vandalism, fire or flood.
A minimum car purchase of £3,500 applies. An exact match may not be possible and is subject to availability. Excludes theft claims.
Medical expenses for each person injured after an accident, providing there's no cover in force under another car insurance policy.
Limited to £100 per person
|Uninsured driver promise||
If you're in an accident with an uninsured driver that isn't your fault, we'll protect your claims-free years and also cover your excess. Make sure you get the registration number, make and model of the other vehicle, and the other driver's details (if possible) to make a claim.
|Personal belongings cover||
Up to £250 for any loss or damage of clothing and personal belongings in the event of a fire, theft or accident.
Unlimited cover for fitted in-car audio, TV, telephone or navigation equipment, or up to £1,000 for non-standard equipment.
The cost of replacing or repairing a broken windscreen, sunroof or window.
By one of our approved repairers. Subject to an excess of £10 (if repairing) or £75 (if replacing).
We'll guarantee work by our approved repairers for five years, unless you sell your car.
|Guaranteed Hire Car||
If your car is being fixed by one of our approved repairers, we'll get you a small hatchback to keep until it is fixed. Alternatively, if you prefer to use your own garage or your car has been written off or stolen, you'll still get a hire car for up to 21 days in a row.
Offered with Comprehensive Cover. Doesn't include windscreen claims or customer-delayed claims.
|Damage to third party||
If you cause an accident that damages someone else's car, property or injures someone, you'll be covered for subsequent claims made against you.
|24/7 emergency helpline||
If you've been in an accident and need help, our emergency helpline is always available to you.
|Fire & theft||
Financial protection if your car is stolen or damaged by an attempted theft, as well as any damage caused by a fire, lightning or explosion.
This covers you if your car or a third party's vehicle is accidentally damaged.
We'll insure you and your spouse or partner up to £5,000 should either of you be injured or killed in a car accident.
If your car can't be driven after an accident and a hotel stay is necessary, we'll pay up to £150 towards the expense (or £250 in total if there are other passengers with you).
|Replacement child car seats||
The cost to have your child car seat replaced in the event of an accident, fire or theft, even if there's no apparent damage, as long as they are involved in a valid claim.
|No admin fees||
If you need to make amendments to your policy during the year, we won't charge you extra for it.
Any premium change because of that amendment may still apply.
An enhanced version of our Comprehensive insurance. You'll get some higher cover limits, plus extras such as Guaranteed Hire Car Plus, Motor Legal Cover and Automatic Foreign Use included in the price.
(Subject to availability)
Third Party, Fire & Theft
This covers you if your car is damaged by fire or stolen, and if other people claim against you for injury or damage to their car or property.
If you have a minimum of 4 years no claim discount, with no more than one fault claim within the past three years for all drivers combined, then you will be eligible to purchase No Claim Discount Protection.
Having No Claim Discount Protection means that your No Claim Discount (NCD) will not be affected by:
- One claim made during the current period of cover, or by
- Two claims arising in the three preceding years of insurance
You will cease to be eligible for the benefit if claims exceed the above number. However your premium may still increase following a claim.
Breakdown cover is one of those things you're glad to have when things go wrong.
In partnership with Green Flag, we offer four choices of breakdown cover to provide you with 24/7 assistance, 365 days a year plus unlimited callouts to breakdowns (this excludes repeated calls for the same incident).Find out more
Motor Legal Protection will provide up to £100,000 of legal costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a more than 50% chance that your claim will succeed.Find out more
We'll keep you moving with a similar physical sized hire car to your own, plus:
- Choose one of our approved repairers and you can keep it until your car is fixed.
- You'll still get a hire car for up to 21 days in a row if yours is written off, stolen or you prefer to use your own garage.
- We'll also cover the travel costs if your car is stolen or you have an accident abroad - up to £50 a day and up to a maximum of £500 over the 21 days following your claim, if you have extended your cover to that country.
Comes as an optional extra only with Comprehensive cover and as standard with Comprehensive Plus cover with Direct Line Car Insurance. Excludes windscreen claims and customer delayed claims.