Help Category: Claims

Who provides Uninsured Loss Protection?

All drive like a girl policies with start dates from 01/12/14 include Uninsured Loss Protection. Uninsured Loss Protection is provided by ARAG plc. and the insurer is Brit Syndicates Limited, the managing agent for Brit Syndicate 2987 at Lloyd’s.

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How do I make a claim for legal costs from an uninsured loss?

All drive like a girl policies with start dates from 01/12/14 include Uninsured Loss Protection. To make a claim, please call the drive like a girl claims helpline on 0330 022 0123.

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What legal cover does my policy include?

All drive like a girl policies with start dates from 01/12/14 include Uninsured Loss Protection. This is cover for legal costs up to £100,000 to reclaim losses, not covered by your policy, from someone who has caused an accident resulting in your injury or damage to your car.

If you choose to make a legal costs claim our provider will appoint a solicitor, or one of their agents, to handle your case. They will seek to:

  • Obtain compensation from the person responsible if you or your passengers have been injured
  • Claim back other losses such as your policy excess, replacement vehicle hire costs, travelling expenses, loss of earnings or damage to personal effects.

To make a claim, please call the drive like a girl claims helpline on 0330 022 0123.

Uninsured Loss Protection is provided by ARAG plc.

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What is Uninsured Loss Protection?

All drive like a girl policies with start dates from 01/12/14 include Uninsured Loss Protection. This is cover for legal costs up to £100,000 to reclaim losses, not covered by your policy, from someone who has caused an accident resulting in your injury or damage to your car.

If you choose to make a legal costs claim our provider will appoint a solicitor, or one of their agents, to handle your case. They will seek to:

  • Obtain compensation from the person responsible if you or your passengers have been injured
  • Claim back other losses such as your policy excess, replacement vehicle hire costs, travelling expenses, loss of earnings or damage to personal effects.

To make a claim, please call the drive like a girl claims helpline on 0330 022 0123.

Uninsured Loss Protection is provided by ARAG plc.

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If I make a windscreen claim will this affect my No Claim Discount?

No, windscreen claims do not affect your No Claim Discount.

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Do I still need to pay the excess if I have an accident that was not my fault?

No, not if the other insurance company has admitted liability prior to the repairs on your car being completed. Generally, your policy excess is applied when you claim on your policy for damage to your car.  If an accident is not your fault, we can waive your excess when the other insurance company admits liability as we will be able to recover it from them. If you require any further assistance please contact our claims department on 0330 022 0123.

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Will I get a courtesy car if mine is damaged in an accident?

If the loss or damage to your car is covered by this Policy, and you use the approved UK repairer of our choice, we will provide a temporary replacement car while repairs to your car are being carried out, provided that one is available.

Temporary replacement cars are usually small cars with a manual gearbox (typically a one litre hatchback or similar). A temporary replacement car is not intended to be an exact replacement for your car. Any miles you drive in a courtesy car will not affect your drive like a girl score.

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How do you know if I’ve been involved in an accident?

The in-tele-box should notify us straight away if your car suffers a significant impact. In these circumstances we will assume that your vehicle has been involved in an accident. We will then monitor the position of your car and if it is stationary, we will attempt to contact you by phone to offer you assistance and record the accident or claims details, as appropriate.

If your vehicle is not stationary we will assume that you do not need any immediate assistance and we will attempt to contact you at the earliest opportunity to record the details of any accident or claim that you wish to make. Please note that you still have an obligation to report any accidents or claims to drive like a girl, and that if the in-tele-box is damaged or out of service range it may not be able to alert us immediately.

If, when we monitor the position of your car, we notice that it is stationary and the ignition is still switched on, we will assess the severity of the impact, the location of the incident and the time of day. If we believe that you might be injured and/or incapacitated in an isolated or remote location we will attempt to contact the emergency services and request that they attend the scene of the incident.

Please note that we are not able to guarantee that the emergency services will attend, and you should therefore still make all possible efforts to contact them yourself.

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What should I do if I have an accident?

If you have an accident and you need to make a claim, please contact us as soon as possible after the incident on 0330 022 0123 and we will guide you through the process. Our Claims line is open 24 hours a day.

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Who will recover my vehicle, and me, if it’s not driveable?

If you make a claim on your policy, we will arrange for the vehicle to be recovered and for you and your passengers to be taken to a place of safety.

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