Motor Insurance

Question 1

What breakdown cover is provided?

Answer 1

Mutual Assist breakdown cover provided by the RAC.**

Question 2

What entitles you to no claims discount?

Answer 2

No Claims Discount protected if you’re hit by an uninsured driver and no excess to pay.*

Question 3

How will I be eligible for new car replacement?

Answer 3

New car replacement - if you purchase a UK model from new and it’s less than two years old when it’s stolen or written off. A whole year longer than many other insurers.

12 months for Vans.

Question 4

What’s included with Motor Legal Protection?

Answer 4

Motor Legal Protection - giving you access to legal advice and covering legal costs up to £100,000.

Question 5

How long will I get a courtesy car for?

Answer 5

Small courtesy car in the UK for the duration of repairs carried out by our approved repairers; or up to 14 days if yours is written off or stolen.

Question 6

What happens if my windscreen is broken?

Answer 6

Windscreen replacement with no reduction in no claims discount.

Question 7

What if I need repairs?

Answer 7

Guarantee on repairs carried out by approved repairers.

Question 8

Are child car seats covered?

Answer 8

Theft or damage to child car seats

Question 9

What if I’m abroad? Driving

Answer 9

The same level of cover while driving in most European countries.

Question 10

What’s not covered? Vehicles

Answer 10

Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.

Loss of value over time, damage to tyres and wear and tear.

Replacement of keys and locks if keys are lost.

Personal possessions not kept in a locked vehicle, boot or glove compartment.

Cash, tickets, stamps and cheques.

Car specific
1. Breakdowns outside the UK, within ¼ mile from home or recovery distance greater than 20 miles.

Motorcycle specific:
1. Loss or damage to helmets, gloves or personal clothing.
2. Carrying passengers for hire or reward.
3. Racing, speed testing, competitions, rallies (other than road-safety rallies and treasure hunts), trials or track days.

Van specific:
1. Caravans, catering vehicles, horsebox or livestock trailers.

Question 11

Mo.Cy
Is any of my stuff covered if my bike’s stolen?

Answer 11

Accessories or spare parts kept on the motorcycle or in a locked garage if your motorcycle is stolen.

Question 12

Mo.Cy
Is my audio and visual equipment covered?

Answer 12

Replacement costs of audio and visual equipment fitted by the manufacturer and up to £500 for non-standard equipment.

Question 13

Mo.Cy.
What if I’m on a different motorcycle?

Answer 13

Third party cover for riding other people’s motorcycles, which includes injury to others or damage to their property.

Question 14

Van
What can you do if my van’s stolen or written off?

Answer 14

If your vehicle is stolen or written off, we will pay the market value or the amount shown on your policy schedule, whichever is less.

Question 15

Van
What damages are covered?

Answer 15

Damage to your vehicle because of an accident, fire or theft.

Question 16

Van
Are my tools covered?

Answer 16

Tools in the vehicle – up to £500 for tools lost, damaged in an accident or stolen from a locked vehicle.

Question 17

Van
What about my possessions in my vehicle?

Answer 17

Personal possessions in the vehicle – up to £250 for non-trade/business items lost or damaged in an accident, or if the vehicle is stolen.

Question 18

Electric
Is my battery covered?

Answer 18

Battery cover: Whether leased or owned, cover against accidental damage, fire and theft.(i)

Question 19

Electric
What about my charging cables, chargers and home wall boxes, and adapters?

Answer 19

All covered in the event of insured damage plus protection should someone trip over the cables and you are at fault.(ii)

Question 20

Electric
What’s RAC EV Boost?

Answer 20

RAC EV Boost: 10-mile boost at the roadside to get you to the nearest charging point.

Question 21

Electric
What about if I need repairs? How long is my guarantee?

Answer 21

Lifetime guarantee on repairs. British Standard accredited bodyshops, plus use of manufacturer repairers when required, for as long as you own the vehicle, when you use the recommended repairer scheme.

Question 22

Campervan and Motorhome
Do I get breakdown cover?

Answer 22

Optional: Breakdown cover in the UK from £19.99 a year for motorhomes under 3,500kg and less than 5.5 metres long.

Question 23

Motorhome
Can I get more cover for my personal possessions?

Answer 23

Increased personal possessions cover up to £1,000.

Question 24

What are the 6 different vehicle types we can cover?

Answer 24

1. Car
2. Van
3. Electric and Hybrid Vehicles
4. Motorcycle
5. Campervan
6. Motorhome