Elite
Our Elite policy will cover legal costs to pursue a claim on your behalf against a third party following a road traffic accident that is not your fault. Elite will handle the recovery of your Uninsured Losses, such as policy excess, personal injury compensation, car hire charges, vehicle repairs or total loss recovery (if Third Party/Fire & Theft cover only exists) loss of earnings and any other out of pocket expenses. Cover is also extended to Europe to assist those travelling on the continent.
In summary, our Elite policy provides the following benefits:
| Elite – our standard cover | ||||
| Limit of indemnity | Areas of cover | Significant exclusions or limitations |
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| £50,000 | Uninsured loss recovery following a road accident. | Pursuit of uninsured losses, including personal injuries, against a negligent 3rd Party following a road accident. Subject to negotiation we can include Insured Loss Recovery where the Motor Insurer's outlay is included within the claim against the negligent 3rd Party. |
Claims where you do not have a reasonable chance of winning. Any claim arising out of a contract you have with another person or organisation. Any claim for an event which is not covered under your current motor insurance policy. You must be within the territorial limit, described in the Definitions section of the policy wording within the policy information booklet. |
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| Recovery after an accident | 24/7/365 assistance to recover your vehicle which cannot be driven after an accident, fire, vandalism, theft or attempted theft. | Any insured vehicle which you hire out or use as a taxi. Any insured vehicle stranded by snow, mud, sand or flood. Any vehicle which weighs more than 3.5 tonnes when fully loaded. You must be within the territorial limit, described in the Definitions section of the policy wording within the policy information booklet. |
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| Lawphone | Telephone advice relating to any personal legal problem | Advice is only available over the telephone. Advice only relates to personal legal problems. |
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| Handling messages | We will contact a relative or loved one to inform them of your problem and likely delay. | Contact to be made only by phone or fax. | ||
| Up to £50 per person per night; max £300 per incident | Hotel Accommodation | We will pay for you and your passengers to stay in a hotel when you cannot get home the same day. | You must be more than 25 miles away from your intended destination, and do not need recovery. Maximum 6 passengers. |
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| Up to £10,000 | UK Medical Assistance | Emergency medical transfer in the UK to a hospital near your home for you and your passengers. | You must be more than 25 miles away from your home. We will not provide this cover while you are travelling between your home and your normal place of work. Maximum 6 passengers. |
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| Up to £5,200; £200 max. per person | Emergency Accommodation | For you and your family to visit you in hospital, including overnight accommodation. | ||
| Up to £250 | Visits by immediate family | Transport costs of a close relative visiting you in hospital. | ||
| Onward travel | If only the driver is injured after an accident and cannot drive we will take you and your passengers to your destination. | You must be within the territorial limit, described in the Definitions section of the policy wording within the policy information booklet. Maximum 6 passengers. |
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This is only a summary of our benefits of cover, please
contact us for further information.
