Features & Benefits

Regardless of whether you have been driving for years or are a learner driver, all the features and benefits listed below come as standard with our comprehensive car insurance policies.

FREE LEGAL COVER

With our Motor legal protection you have access to a legal helpline for advice relating to any Motor Contract Dispute and you have cover in place for legal fees and expenses relating to a claim.

Legal cover includes:

  1. Legal fees and expenses in respect of claims for personal injury or death as a direct result of a road traffic accident, and claims for damage to your vehicle caused from a road traffic accident whilst it is in the care of your or a named driver.
  2. Cover up to a set limit on any one claim in a Motor Prosecution Defence if we agree that there is a genuine defence

For more information on limits of cover please refer to our policy wording.


FREE COURTESY CAR

We know how important it is to keep on the move and minimise any inconvenience following an accident so all our comprehensive car insurance policies include a courtesy car for the duration of your repair following a claim.

A courtesy car is provided subject to the following:

  1. The claim has been accepted and your car is repairable and is being repaired by our approved repairer.
  2. Typically the courtesy car will be a small car with manual transmission.
  3. We do not provide courtesy cars outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
  4. If an accident happens at weekends or bank holidays then delays in providing a courtesy car may occur.

Please refer to our policy wording for more details.


CHILD CAR SEAT

If you have a child’s car seat fitted in your vehicle when you are involved in an accident, or if it is damaged following a fire or theft, we will pay towards the cost of a replacement even if it doesn’t appear to be damaged.

A claim for a child car seat can only be made if you are already making a valid claim for damage to your vehicle. For more information on limits of cover please refer to the policy wording.


UNINSURED DRIVER PROMISE

If you as the policyholder or a named driver is involved in a road traffic accident with an uninsured driver, we will not reduce your no claims discount or charge you any excess in relation to the claim.

In order to do this you will need to provide us with the registration, make and model of the vehicle that hit you along with the driver’s details. This only applies where the driver of your vehicle was not at fault.

Please refer to our policy wording for more details.


WINDSCREEN COVER

If your car windows and windscreen are accidentally damaged the cost of repairing or replacing these will be covered by us. We will also cover the cost of repairing resultant scratching of the bodywork.

We will not be liable for damage to sunroofs or glass roofs. Any claim made for Windscreen repair and replacement will not prejudice your entitlement to No Claim Discount. For more information on this and the windscreen replacement excess that applies please read our policy wording.


COMPARISON OF OUR COVER LEVELS COMPREHENSIVE
COVER
THIRD PARTY FIRE
AND THEFT COVER
THIRD PARTY
ONLY COVER
Legal Cover up to £1000
Travel Abroad    
Audio Equipment Cover    
Child car seat  
Personal Belongings Cover up to £100  
Personal Accident Cover up to £5000  
Stolen Car Replacement*  
Windscreen Cover  
Free Courtesy Car  
*Based on new car replacement only, subject to T’s and C’s

OPTIONAL EXTRAS

Below are the optional extras that you can add to your car insurance policy at the time of purchase, there will be no option to add them after.


PROTECTED NO CLAIMS DISCOUNT

You work hard to build up your No Claim Discount (NCD) so it is important that you protect it. At Insure 2 Drive you may be able to protect your NCD after just one year of claim free driving.

As long as no claim is made or arises under your Policy during any one year of insurance your renewal premium will be reduced by a No Claim Discount in accordance with the scale of discounts applicable at the renewal date.

You can continue to protect your No Claim discount as long as you do not have more than two claims in any five consecutive years.

For more information please refer to the policy wording.


BREAKDOWN COVER

Insure 2 Drive have teamed up with the RAC to offer the following levels of Breakdown cover.

RAC ROADSIDE

RAC Roadside gives you roadside assistance if for breakdowns 1/4 mile or more away from your home address and includes a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed.  RAC Roadside covers you for repairs at the roadside as long as you are more than a quarter of a mile away from your home. We aim to get you back on the road but if that’s not possible we will tow you up to 10 miles to either your home or to an approved garage.

HOME START

This level covers you for Breakdown assistance and repair at the roadside or at your home address, including a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed.

We aim to get you back on the road but if that’s not possible we’ll tow your vehicle up to 10 miles to an approved garage or to your home if the breakdown occurs away from home.

RECOVERY

RAC Recovery gives you Breakdown assistance at the roadside or your home address, including a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed. Recovery for up to 8 people and your vehicle to any single destination within the UK.

We aim to get you back on the road but if that’s not possible we’ll tow you up to 10 miles to an approved garage if you are at home or are within a quarter of a mile from your home. If you breakdown at the roadside we will transport your vehicle, you and up to 7 passengers to your home or any single address in the UK.

Transportation of your vehicle can also be arranged, if you are taken ill and there are no passengers to drive the vehicle.

ONWARD TRAVEL

This level of cover includes breakdown assistance at the roadside or your home address, including a tow for up to 10 miles from where your vehicle breaks down if your vehicle cannot be fixed. It also includes the recovery for up to 8 people and your vehicle to any single destination within the UK. If your vehicle cannot be repaired at the roadside, options for onward travel are included.

This covers you for breakdown at the roadside or at home. If we are unable to get you back on the road we will tow you up to 10 miles to an approved garage if you are at home or within a quarter of a mile from your home. If you are at the roadside we will transport your vehicle, you and up to 7 passengers to your home or any single address in the UK.

Transportation of your vehicle can also be arranged if you are taken ill and there are no passengers to drive the vehicle

If we cannot repair your vehicle at the roadside, your onward travel will include one of the following options:

  • Replacement car hire for a maximum of two consecutive days while your car is being repaired (over 21s only)
  • Reimbursement of rail, air, or other public transport costs (up to £150 per person or £500 per group, whichever is less)
  • One night’s B&B accommodation for up to eight people
  • Special medical assistance as above, if one member of the party is taken into hospital more than 20 miles from home)

EUROPE

The European cover includes breakdown assistance at the roadside or your home address, including a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed. Recovery for up to 8 people and your vehicle to any single destination within the UK. If your vehicle cannot be repaired at the roadside, options for onward travel are included.

Breakdown assistance in continental Europe includes roadside repair, recovery to local garage or repatriation.

It also covers you for breakdown at the roadside or at home. We’ll aim to get you back on the road but if that’s not possible we’ll tow you up to 10 miles to an approved garage if you are at home (or within a quarter of a mile from your home). If you are at the roadside we will transport your vehicle, you and up to 7 passengers to your home or any single address in the UK. Transportation of your vehicle can also be arranged if you are taken ill and there are no passengers to drive the vehicle

If we cannot repair your vehicle at the roadside, your onward travel will include one of the following options:

  • Replacement car hire for a maximum of two consecutive days while your car is being repaired (over 21s only)
  • Reimbursement of rail, air, or other public transport costs (up to £150 per person or £500 per group, whichever is less)
  • One night’s B&B accommodation for up to eight people
  • Special medical assistance as above, if one member of the party is taken into hospital more than 20 miles from home)

European Breakdown covers customers in continental Europe. In the event of a mechanical breakdown, vehicles are fixed at the roadside, recovered to a local garage for repair or repatriated. Certain motor-related legal expenses incurred as a result of an incident in these countries are also covered, as well as:

  • Temporary car replacement on the way to port
  • Additional accommodation expenses
  • Journey continuation or return home
  • Replacement driver
  • Accidental damage to or loss of tent
  • Urgent message-relay service
  • Customs claims indemnity

On return home, the policy covers:

  • Collection of vehicle left abroad for repair
  • Replacement car (up to £250 per claim)
  • Legal costs up to £50,000 cover
  • Loss of no claims discount

ENHANCED PERSONAL ACCIDENT

If the worst happens and you are involved in a road traffic accident, Enhanced Personal Accident will cover you, your partner and any passengers with a fixed benefit in the event of injury or death. Including:

  • £25,000 in the event of death, loss of sight, hearing, limb, or permanent total disablement
  • £100 per day hospitalisation benefit, up to a maximum of 30 days
  • £100 per day hospitalisation benefit, up to a maximum of 30 days
  • £5,000 cover for 3rd degree burns
  • £250 emergency dental treatment
  • £500 physiotherapy and stress counselling benefit
  • £150 personal effects

This covers you up to a maximum claim limit of £25,000 per person and £175,000 for any one incident.

Cover is subject to exclusions. For more information please refer to the policy wording.


KEY PROTECTION

You don’t need to worry if you lose your keys if you have purchased our Key Cover.  We will cover your home, car and office keys, including safes, immobilisers and alarms, in the event that they get stolen, are lost or are damaged.  We will also cover damage to your locks if the damage prevents you from being able to access your home, office or car.

Cover includes:

  • The cost of replacement keys/locks and/or locksmith charges where no duplicate key is available
  • Up to £75 per day, maximum of 3 days for transportation costs or hire vehicle charges if you are stranded at home
  • 24/7 helpline assistance
  • Covers all members of the family at same address

Cover is up to £1,500 a year.

For more information please refer to the policy wording.


MISFUELLING

Filling your car up accidentally with the wrong fuel can be very frustrating. With our Misfuelling cover you don’t need to panic. We will pay up to a maximum £250 per claim to drain and flush the fuel tank on site or recover your vehicle, the driver and up to 6 passengers to the nearest repairer. We will even replenish the fuel tank with 10 litres of the correct fuel.

Your cover has an individual claim limit of £250 and a maximum of 3 claims per year.

For more information please refer to the policy wording.