Car Insurance Additional Benefits

Additional Benefits
There are various additional products you can add to your car insurance to give you extra cover and peace of mind. You choose the level of cover that works for you. Click on the options and have a look at the extras we offer you.

Car Insurance - Legal Cover

Car Insurance - Personal Accident Cover

Car Insurance - Protect your No Claims Discount

Car Insurance - Replacement Car Cover

Car Insurance - Breakdown Recovery

Car Insurance - Gadget Cover Option

Legal Cover
If you get injured in a car accident that's not your fault, we'll pay up to £50,000 in legal costs to get compensation from the other person. You can also get your medical expenses refunded, along with any excess paid and out of pocket expenses because of the accident.

Protect your No Claims Discount
If you've had car insurance for one year or more and you haven't made a claim, you can get a 'no claims discount'. (This won't apply if you've only been named on someone else's policy but if you've been claim free anyway, we may be able to give you an introductory discount).

When you've got at least five years no claims discount you can protect it.

It only costs a bit extra and it means if you have to make a claim, you keep your discount at renewal. It allows you to have one claim in a year or two claims in a three year period.

Breakdown Recovery
You choose what you need:

• Swift Roadside gives you roadside assistance plus towing your car to your home or a local repairer if your car can't be fixed at the roadside. (£32.99)
• Swift Rescue will get you on the move or take you home or to your destination (£54.99)
• Swift Rescue & Homestart has all the above plus it gets you sorted if you breakdown at home (£74.99)
• Swift European also includes European cover for your car (from £99.99)

Included in all the above options, you get the following too:

• Hire car to complete your journey.
• Cost of alternative transport to complete your journey.
• B&B accommodation while repairs are being carried out.
• Friends and relatives message service so they know how you are.

Please note that Breakdown cover does not include the recovery of a damaged vehicle following an accident. If you have Comprehensive car insurance cover then this is covered under your car insurance policy. If you have only purchased third party fire and theft then recovering your accident damaged vehicle is not covered.

Breakdown Recovery – in a nutshell

	Swift Roadside	Swift Rescue	Swift Rescue & Home Start	Swift European
Up to half an hour's free labour for roadside repairs	Yes	Yes	Yes	Yes
24 hour garage callout	Yes	Yes	Yes	Yes
Free recovery of your car, caravan & trailer to a repairer	Yes	Yes	Yes	Yes
Help to arrange you to finish your journey		Yes	Yes	Yes
Cover for anyone else using your car with your permission	Yes	Yes	Yes	Yes
Recovery for you and your car and caravan & trailer within the UK		Yes	Yes	Yes
Use of a hire car or overnight accommodation	Yes	Yes	Yes	Yes
Cover if your car breaks down at home			Yes	Yes
European cover for car				Yes

Please refer to the Policy Terms and Conditions for full details of all benefits

Personal Accident Cover
Should you be injured whilst getting into or out of or whilst travelling in any car, you want to be sure you or your family will be covered. So if you lose your sight, or lose the use of your limbs or even die as a result of such an accident, you pay just £10.99 a year to get up to £100,000 worth of cover.

Isn't it worth it for that extra peace of mind!

Replacement Car Cover
If you have Fully Comprehensive cover, this provides an alternative car:

• whilst your own car is being repaired because of any damage following a claim.
• until your claim is settled if your own car is affected by fire or theft or it is written off.

If you have Third Party, Fire and Theft cover, this provides an alternative car:

• until your claim is settled if your own car is affected by fire or theft.
• for a maximum of 14 consecutive days in any one instance and a maximum of 21 days in any one policy year.

Gadget Cover
Gadget cover covers your personal electrical items if stolen from the car or if damaged accidentally whilst within the car, within the UK.

Cover is also provided for European trips up to a maximum of 90 days in any one policy year.

Items covered include:

• Mobile phones
• Satellite navigation
• Ipods, MP3 and MP4 players
• Portable games consoles
• Personal media players
• Digital cameras, Digital camcorders and Portable DVD Players
• PDA's
• Blackberrys and similar
• Safety camera locators