Optional extras

Our breakdown cover, provided by the RAC, gives you the following benefits:

• we’ll fix your car at the roadside, or at your home address. If the breakdown occurs more than 1/4 mile from your home and we can’t repair your vehicle locally within a reasonable time, our Nationwide recovery promise means that we'll transport your vehicle, you and up to seven others to your destination anywhere in the UK.
• if the vehicle cannot be repaired locally we can arrange a replacement car for up to 1 day, alternative transport costs or hotel accommodation. The maximum amount we will pay for alternative transport or hotel accommodation is £150 per person or £500 for your party, whichever is less.

If your car’s involved in an accident that wasn’t your fault, our optional legal expenses insurance will cover the cost of:

• working out the value of your uninsured losses,
• negotiating with the “at fault” driver,
• starting legal proceedings if necessary.

Your legal expenses claim might include:

• travel expenses whilst your car is off the road,
• compensation for injuries and loss of earnings,
• your policy excess.

Legal expenses insurance covers:

• up to £100,000 cover for legal fees to help recover uninsured losses
• access to a 24-hour legal helpline that provides advice on any car-related issues, such as disputes with garages, parking fines, and ownership responsibilities
• you and any named drivers on your car insurance policy.

Arc Legal Services manage all legal expense claims. They will only accept a claim if there is a reasonable chance of making a recovery.

We will not cover any legal costs unless we have agreed to these in advance.

Cover if your car or home keys are lost or stolen.

Benefits include:

• 24 hour helpline and nationwide key recovery, providing up to £1,000 towards new keys, locks and locksmith services,
• all keys attached to the fob provided are covered, for example keys to your car, home, office or caravan,
• there is no limit to the number of claims, as long as the cost does not exceed £1,000 in the year of your cover.

Keycare cover is provided by Keycare Limited.