Optional Extras to Boost Your Car Insurance Cover
When you buy car insurance through us, you also have the option to add extra protection to your policy. These optional add-ons are designed to give you more peace of mind, reduce unexpected costs, and keep you moving if something goes wrong.
You don’t have to add them, but many drivers find they’re well worth it.
Legal Cover
If you’re involved in a non-fault accident, legal cover helps protect you financially.
It can cover:
Legal costs if you need to pursue an uninsured loss
Support if the other driver disputes responsibility
Access to a legal helpline for motoring advice
Why it’s worth considering: Legal costs can quickly run into thousands of pounds. Legal cover gives you expert support without the worry of paying legal fees yourself.
Breakdown Cover
Breakdown cover helps get you back on the road if your car lets you down.
Depending on the level you choose, this may include:
Roadside assistance
Recovery to a garage or your home
Assistance at home, nationwide or EU
Onward travel if your journey can’t continue
Why it’s worth considering: Even a simple breakdown can be stressful and expensive. Breakdown cover gives you fast help when you need it most.
Key Cover
Modern car keys can be surprisingly expensive to replace.
Key cover can help with:
Replacing lost or stolen keys
Repairing damaged keys
Locksmith costs if you’re locked out
Why it’s worth considering: Replacement keys can cost hundreds of pounds. Key cover helps avoid an unexpected bill.
Excess Protection
If you make a claim, you usually have to pay an excess.
Excess protection helps by:
Reimbursing your policy excess after a claim
Covering multiple claims up to the policy limit
Why it’s worth considering: It means you’ll be able to recover the excess you’ve paid.
Guaranteed Hire Car
If your car is written off or being repaired after an accident, guaranteed hire car cover keeps you mobile.
It can provide:
A hire car for a guaranteed number of days
A vehicle even if the accident is your fault
Why it’s worth considering: Standard policies often don’t offer a courtesy car if the vehicle is stolen or written off. This cover helps make sure you’re not left without transport.
Windscreen Cover
Windscreen damage is one of the most common claims.
Windscreen cover typically includes:
Repair or replacement of chipped or cracked glass
Cover for front, rear, and side windows
Lower excess than standard claims
Why it’s worth considering: Quick repairs can prevent chips from turning into costly replacements, often without affecting your no-claims discount.
Choosing the Right Extras
You can select these options during your quote and tailor your policy to suit your needs and budget.
Top tip: Adding the right extras now can help you avoid much bigger costs later and give you extra confidence every time you drive.