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Courtesy Car & Legal Costs For Emergencies

For comprehensive and fleet policyholders, there is usually an option for the provision of a courtesy car in the event of an accident.

Many policies also offer cover for legal expenses.

When needed, one can count on the availability of the services of professionals to negotiate claims, agree responsibilities, liabilities and possible compensation, to contact the parties concerned and mediate as necessary (if appropriate).

Without this cover, such assistance would require the payment of considerable legal and professional fees.

Such services also typically include help with organising the necessary and time-consuming paperwork, helping you to concentrate on running your business or recovering from the ordeal without unnecessary additional stress.

Replacement For New Vehicles

Some policies also offer a new vehicle as replacement if the previous vehicle is less than twelve months old, and even an ‘uninsured driver promise’.

If the policy is comprehensive and your car is hit by an uninsured motorist (and you are not to blame), you could retain your no claims discount.

The claims excess could also be recoverable if you have the other driver’s details including vehicle registration number.

Cover For Those Little Extras

Modern policies include windscreen glass and options for stereo cover, along with child car seats and some personal belongings.

Telephone help lines are available during extended hours or for 24 hours a day.

Many insurers offer additional services – sometimes complimentary – such as a ‘green card’ for personal policyholders when driving in mainland Europe on holiday.

Short Term Cover For Rentals

Some companies specialise in short-term cover – available for a day, week or month etc, often useful in business and sometimes in personal cases.

If driving any vehicle that is not your own, check your policy with any existing motor insurer first – you may already be covered, although perhaps only for third-party risks.

It is most inadvisable to cut corners on motor insurance as this will lead (as a minimum) to potential embarrassment, fixed penalties and points on driving licences – not to mention inconvenience, possible vehicle loss and prosecution – clearly outweighing any financial “savings” in premiums.