Help Tag: Cover

What is Courtesy Car Cover Plus?

Courtesy Car Cover Plus, administered by Brit Syndicates Ltd, provides a courtesy car for up to 21 days if your car is declared a total loss following an accident that was your fault, or as a result of fire, lightning, flood, vandalism, explosion, theft or attempted theft. For all other instances, a courtesy car is provided under the terms of your policy when a claim is made.

To receive the courtesy car hire you must meet the following criteria: you must be able to produce a current full valid driving licence which has been continuously in force for six months, and you must not work as an entertainer or professional sportsperson.

If you don’t qualify for a courtesy car because you don’t meet the above criteria, or a courtesy car is not available, you will receive up to £250 towards reasonable and necessary alternative transport costs where you’re able to provide official receipts.

Courtesy Car Cover Plus also includes:

  • Cover for legal costs and expenses up to £50,000 if you are prosecuted for a motoring offence
  • Cover for legal costs and expenses up to £50,000 if you are a victim of vehicle number-plate cloning
  • Identity theft advice and assistance
  • Access to legal, tax and counselling helplines
  • Access to a consumer legal services website

You can add Courtesy Car Cover Plus at the start of your policy or at renewal. Unfortunately, you are unable to add it mid-way through the term of your policy.

What is Uninsured Loss Protection?

All our policies include Uninsured Loss Protection (provided by ARAG Plc). This means we will cover legal expenses 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. The third party must be identifiable for us to reclaim.

If you choose to make a legal costs claim, our provider will appoint a solicitor, or one of their agents, to handle your case and seek compensation and claim back losses like your excess for you. Please note that this applies if there is a reasonable chance of the case being successful.

Can other people drive my car?

Only if:

  • They are a named driver on your policy, or
  • Their own insurance policy includes cover for driving other cars.

If someone, who is not a named driver on your policy has an accident while driving your car, they will need to claim on their own insurance policy.

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Am I covered to drive other cars?

No – our policies don’t cover you to drive other cars, other than a courtesy car provided to you under the approved repairer scheme, if your car is damaged following an insured loss. Full details of your cover can be found in your Car Insurance Schedule in Your Portal.

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Am I insured to drive abroad?

You will be insured to drive anywhere in the European Union or associated countries for up to 90 days for any one trip. We recommend that you make sure you have enough miles to cover your trip and buy Top Up Miles, if necessary, before leaving.

If the United Kingdom leaves the EU, you may need a Green Card in addition to your Certificate of Motor Insurance to evidence you hold the minimum compulsory insurance.

Please note: courtesy cars are not available abroad and repairs undertaken abroad are not guaranteed as they’re not carried out by our approved network of repairers. Please refer to your Private Car Policy Document in Your Portal for details.

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What breakdown cover do you offer?

We offer 3 levels of breakdown cover – National Cover, National Plus Doorstep, and National Plus Doorstep & European. You can see the full policy wording when you get a quote online.

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When can I buy breakdown cover?

You can buy breakdown cover when you first buy your policy or when you renew.

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How do I buy breakdown cover?

You can add breakdown cover by selecting it as part of the Extras when you buy your policy – you can do this either online at www.drivelikeagirl.com or by phone on 0330 022 0200.

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Who provides the breakdown cover?

Our breakdown cover is provided by Intana Assistance.

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If I make a handbag cover claim will I have to pay an excess?

No, your excess does not apply to handbag cover.

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