|Windscreen cover – means your windscreen will be repaired or replaced following a loss or damage claim.
||Up to the market value
Be aware that windows and sunroofs may not be included.
And if you use a non-approved repairer your insurance company may limit the amount they will pay in the event of a claim.
|Personal belongings – covers loss or damage of your personal belongings following an accident, fire or theft whilst they are in your car. For example, bags, CDs, etc.
£200 or more.
Note that, typically, money, credit or debit cards, stamps and tickets are not included. Theft of items carried in an open or convertible car are not covered, unless they are kept in a locked boot.
|Loss or theft of keys – if the keys to your car, ignition, alarm, immobiliser, steering lock or garage door opener are lost or stolen the insurer will pay towards the cost of replacing the keys and the associated locks.
£300 or more.
Note that if the keys, lock transmitter or entry card are either left in or on the car at the time of the loss, or taken without your permission by a member of your immediate family or a person living in your home then you won’t be covered.
|Protected no claims discount – protects your no claims discount and ensures that you do not lose it following a claim.
The choice of adding it to your policy or including it as standard allowing up to two claims in a three-year period.
There are limits to the number of claims you are allowed to make within a certain period of time – you need to check what your insurance company allows.
|Car rescue cover – if you have an accident which immobilises your car, the insurance company will cover the cost of removing the vehicle from the scene of the accident.
||The reasonable costs of moving the vehicle from the scene of the accident to the nearest repairer.
|Courtesy car – if you are involved in an accident and your vehicle needs to be repaired, then you will be provided with an alternative car to keep you mobile whilst you are without yours.
||The choice of adding it to your policy or including it as standard.
This can be limited to a certain number of days (for example 14-28 days). Often you only get the courtesy car when your car is actually being repaired in the garage.
|Repairs guaranteed – the insurer will guarantee any repair work carried out by their approved repairers.
Repairs carried out by someone you choose to do the work won’t be covered.