Compare car cover
This at-a-glance guide to our different policies makes it easy for you to work out which is the right one for you. They all offer cheap premiums and up to a 10%* discount online along with a no claims discount of up to 65% after 5 years claims free and the option to pay monthly.
Please use this guide in association with the pages detailing the wording of the policies as the guide doesn’t include all the policy cover, limits, terms and conditions.
Policy Cover and Benefits
| Common Features |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
| Uninsured Loss Recovery & Legal Expenses |
£100,000 |
£50,000 |
£50,000 |
| Up to 9 years No Claim Discount |
Yes |
Yes |
Yes |
| Loss or damage to insured car(s) by Fire or Theft. Loss by theft or attempted theft is not covered if the ignition keys are left in or on your car |
Yes |
Yes |
Yes |
| Emergency treatment costs |
Yes |
Yes |
Yes |
| Manslaughter defence costs |
Yes |
Yes |
Yes |
| Legal liability to Third Parties. Property damage is limited to £20 million plus a further £5 million for legal expenses (death, injury or damage to property resulting from terrorism is excluded except as necessary to meet the requirements of the Road Traffic Acts) |
Yes |
Yes |
Yes |
| Driving other cars (Third Party only) - This is only available if set out in your Certificate of Insurance, covering the policyholder, if aged 25 or over, driving, with the owners permission, another motor car not belonging to or hired by the policyholder within the UK or Republic of Ireland |
Yes |
Yes |
Yes |
Details correct as of 08/10/2007
| Features |
Car
Solutions
Cover |
Basic
Comprehensive
Cover |
Third Party,
Fire & Theft
Cover |
| Accidental damage to insured car(s) |
Yes |
Yes |
No |
| Cover for audio equipment (Solutions/Third Party, Fire & Theft unlimited if fitted by the vehicle manufacturer) |
Up to £500 |
Up to £100 |
Up to £250 |
| Cover for replacement locks following loss or theft of keys |
Up to £350 |
No |
No |
| Personal belongings in the insured car increased to £250 in December. When the car is unattended, personal effects must be concealed in a glove box or luggage compartment. |
Up to £150 |
No |
No |
| Loss of or damage to pushchair or wheelchair |
Up to £200 |
No |
No |
| Personal accident benefits for policyholder and family |
Up to £10,000 |
No |
No |
| Hospital benefits for policyholder (up to 30 days) |
£30 per day |
No |
No |
| Medical expenses (per person) |
Up to £200 |
No |
No |
| Windscreen, window and sunroof glass repairs, without loss of No Claim Discount |
Yes |
Yes |
No |
| New Car Replacement - If repairs to an insured car exceed 60% of the manufacturers list price (including VAT) during the first year of registration as new |
Yes |
No |
No |
| Complimentary cover for driving in the EU and associated countries |
Up to 60 days any one trip |
Optional |
Up to 60 days any one trip |
| Loss or damage to luggage trailer |
Up to £250 |
No |
No |
Details correct as of 08/10/2007
| Features |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
| Courtesy car (small hatchback) while your car is being repaired, by an approved repairer, following an accident, fire or theft or for 4 days if your car is subsequently deemed a total loss. |
Yes |
No |
No |
| Protected No Claims Discount |
Optional |
Optional |
Optional |
| Breakdown Assistance and Recovery (over 1 mile from home) |
Yes |
Optional |
Optional |
| Home-Call Breakdown Service |
Optional |
Optional |
Optional |
| Nationwide Breakdown Recovery Service |
Optional |
Optional |
Optional |
| European Breakdown and Accident Assistance |
Optional |
Optional |
Optional |
Details correct as of 08/10/2007
Excesses
In addition to the accidental damage excess shown in your quotation, an additional amount for each claim is due.
| Whilst the vehicle is being driven by a person |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
| Aged under 21 years of age |
£250 |
£250 |
Not covered |
| Aged 21 - 24 years of age |
£200 |
£200 |
Not covered |
| Aged 25 or over who has not held a full UK licence for 12 months |
£100 |
£100 |
Not covered |
| Fire and theft |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
Fire, theft or attempted theft.
Does not apply to theft if loss or damage occurs while an insured car is in a locked garage. |
£100 |
£100 |
£100 |
Windscreen/
windows/sunroof |
Car Solutions Cover |
Basic Comprehensive Cover |
Third Party,
Fire & Theft Cover |
| Replaced |
£80 or £50 if replaced by Autoglass |
£100 |
Not covered |
| Repaired |
Nil |
£100 |
Not covered |
Details correct as of 08/10/2007
What is not insured
For details of the major exclusions or restrictions which apply to our car insurance cover, please see our car insurance page and select the relevant cover. The full policy wording and summary of cover can be found by clicking the link at the bottom of the selected page.
