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:
Included in all the above options, you get the following too:
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:
If you have Third Party, Fire and Theft cover, this provides an alternative car:
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: