Additional cover options explained
If you don't understand how protected no claims bonus works or unsure how you are covered when driving abroad, this may help.
Protected no claims bonus
Pay an additonal amount on top of your insurance premium to safeguard your no claims bonus. Having a protected no claims bonus ensures if you did have to make a claim your no claims bonus wouldn't be adversely affected.
In the event of being unable to use your vehicle you may be given access to a coutesy car. Depending on the insurer there can be exclusions to being offered a coutesy car so always check with your broker.
Policyholders driving UK-registered vehicles require a Green Card to drive in the EU, EEA and other countries from 1 January 2021. The cover will typically be the same while you are inside the European Union. Cover will often have a time limit of 30 days and if you travel outside of the European Union you will have to notify your insurer.
Driving other cars
You will need to contact your insurer. Cover for DOC is not always included by default. Some insurers include it, but some don't. Never assume. Call your insurer and check you're covered before getting behind the wheel of someone else's vehicle.
Should your personal belongings be lost due to fire, theft or accidental damage they will be replaced upto an agreed amount. There may be some exclusions and amounts covered may vary from insurer to insurer.
Many of the insurers we place cover with offer breakdown and rescue. Arranged with a UK recognised breakdown recovery organisation it will offer you roadside assistance, recovery, at-home assistance and onward travel.
Motor legal Expenses or Uninsured Loss Recover
Uninsured loss recovery provides you cover for legal expenses to pursue a guilty third party to recover your uninsured losses. Uninsured losses may include policy excess, vehicle hire charges, and other costs caused by third-party negligence – as well as the cost of pursuing a personal injury claim.