Car Insurance -
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.
Legal Cover
If you are involved in a car accident that's not your fault, with Legal Cover we'll pay
up to £100,000 in legal fees for the legal team we appoint to recover your uninsured
losses from the person we can prove was responsible.
The legal team could get your medical expenses refunded along with any excess paid. You could
also get back out of pocket expenses and any earnings lost because of the accident. And if
you are injured, legal cover could help you get compensation you may rely on.
Read the policy wording to find out more
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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".
When you've got at least four 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.
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Breakdown Recovery
You choose what you need:
- Swift Roadside gives you roadside assistance plus towing your car to your home, local repairer or your destination, whichever is closer, if your car can’t be fixed at the roadside*.
- Swift Rescue will get you on the move or take you home or to your destination.
- Swift Rescue & Homestart has all the above plus it gets you sorted if you breakdown
at home.
- Swift European also includes European cover for your car.
*Within 10 miles
Included in all the above options, you get the following too:
- Key assistance if you lose or damage your keys.
- 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.
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Breakdown Recovery - in a nutshell
|
|
Swift
Roadside
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Swift
Rescue
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Swift Rescue
& Home Start
|
Swift
European
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|
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
|
|
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.
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Personal Accident Plus
If you're seriously injured in your car, you need to be sure you're covered.
If you lose your sight, lose the use of your limbs or even die in an accident that
was your fault, you or your family can receive up to £100,000. Isn’t it worth
it for that extra peace of mind?
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Courtesy Car Cover
If you have Fully Comprehensive cover, this provides an alternative car for a maximum
of 14 or 21 consecutive days in any one instance and a maximum of 21 or 28 days
in any one policy year depending on the level of cover chosen:
- 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 or 21 consecutive days in any one instance and a maximum of 21 or
28 days in any one policy year depending on the level of cover chosen.
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Wrong Fuel Cover
Putting the wrong fuel in your car can be an expensive mistake. Wrong fuel cover,
which can be added to your car insurance, covers the cost of draining, flushing
and replenishing your vehicle's fuel tank up to £250 if you accidentally fill up
with the wrong fuel. Any engine damage is not covered.
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Lost Car Key Cover
A lost or stolen car key can now cost a fortune to replace. We'll pay up to
£300 for a new one, or up to £1,500 if the key cannot be replaced and
your car’s locks need to be changed. This valuable additional cover only applies
within the UK, and also includes the cost of transporting your car to your home
or our network of garages if required.
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