Car Insurance Optional Extras
- Autonational Breakdown Cover - £66.00
- Motor Protection Plan Plus - £30.00
- Payment Protection Insurance - £15.00
Autonational Breakdown Cover - £66.00
Important Note: Breakdown cover is provided in the United Kingdom and European Union through Equity Red Star Policies at Lloyd's.
What is so special about our breakdown cover?
It is a vehicle breakdown policy which covers anyone who is insured to drive your vehicle. In other words, your vehicle is covered provided the drivers are insured under your policy.
Do I only get basic cover?
No, all policies include cover for breakdown, accident, fire or theft/vandalism.
- Roadside Service - provides cover for cost of all labour charges to enable repair at the roadside or recovery to the nearest available garage, including any caravan or trailer.
- Home Service - provides cover for cost of all labour charges to enable repairs at home address or recovery to the nearest garage.
- Vehicle recovery in one journey - provides national recovery of the vehicle and passengers to one chosen destination, including any caravan or trailer.
- Alternative Travel/Accommodation - if the vehicle cannot be repaired or taken to your home destination during the same working day we will provide up to £150 in respect of travel or accommodation costs.
- Message Service - a message will be passed to your family or colleagues if required.
- European recovery service - If the vehicle cannot be repaired we will cover the cost of taking the vehicle and up to 5 people to a nearby garage. If the vehicle is out of use, we will cover the cost of a hire car, rail travel or extra accommodation.
Please see the policy wording for full details of the cover.
Motor Protection Plan Plus - £30.00
What is Motor Protection Plan Plus?
The Cover Direct Motor Protection Plan Plus has been developed to provide you with additional legal protection. Motor Protection Plan Plus is a low-cost insurance policy which safeguards you against the effects of uninsured losses as a result of an accident that wasn't your fault.
Why do I need this extra insurance?
Unfortunately, your current car insurance policy may not cover you for some additional losses you could incur, such as policy excess or medical expenses (even if the accident is not your own fault).
Who is the insurer?
The policy is underwritten by Allianz Insurance plc, one of the leading UK legal expenses providers.
What help do I get?
Help is at hand from Allianz Insurance plc who have a team of experienced claims specialists to help seek compensation for these losses. It is your legal right to pursue compensation from the guilty party and, with legal expenses insurance up to £75,000 per claim, you can do this without being out of pocket.
What costs may be pursued?
- Personal injury to the insured
- Loss or damage to personal property
- Loss of earnings
- Medical expenses
- Policy excess under comprehensive insurance
What else does it cover me for?
Motor Protection Plan Plus includes a number of benefits in addition to uninsured loss recovery:
- Replacement car facility - Where the accident was clearly not your fault and you have full third party details, Motor Protection Plan Plus can often provide a replacement vehicle.
- Credit repair - With third party insurance, if you have an accident that is not your fault, Motor Protection Plan Plus can arrange for repairs to be done to your vehicle immediately, at no cost to yourself. This means you don't have to wait until the other driver's insurance has been sorted out before your own vehicle is repaired.
- If your car is immobilised immediately following a motor accident within the UK, Motor Protection Plan Plus will supply, subject to availability, a replacement vehicle for the period of up to 72 hours. This is providing the hire period commences within two working days of the date of the accident. You will only be charged for fuel costs and the Collision Damage Waiver. Insurance will be provided subject to compliance with the rental company's insurance criteria, and that a full and valid driving licence has been held for at least 12 months.
Payment Protection Insurance - £15.00
If you want to pay by instalments, wouldn't it be a relief to know that your insurance payments will be taken care of should you lose your job through no fault of your own, or encounter the misfortune of contracting an illness or disability which prevents you from working?
Safeguard your peace of mind in the event of:
- Disability
- Illness
- Unemployment/ redundancy
- Going out of business if you are self employed.
Usual exclusions or limitations:
- Maximum 12 payments from when job seekers allowance is claimed
- Must have been in full time employment for a minimum of 6 months prior to unemployment occurring
- If self employed the company must have ceased to trade
- There is no cover for pre-existing medical conditions/disabilities
- Maximum 12 payments for disability benefit from the first date a doctor confirms the client is disabled
- If you become unemployed within the first 90 days following the start date of this insurance
- Will not provide cover in the event of; self-inflicted injury, stress or pregnancy-related illness.
You can protect yourself against the worry of how you would pay for your insurance policy if the unexpected happens for just £15 a year.