Prestige
Prestige is our ‘Flagship’ product that not only provides the Uninsured Loss Recovery & associated benefits as detailed under Elite, but also the following
| Prestige – our standard plus cover | ||||
| Limit of indemnity | Areas of cover | Significant exclusions or limitations |
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| £50,000 | Motor Prosecution Defence | Defence of motoring related prosecutions relating to owning or using vehicles. | Parking offences which you don’t get points on your licence for. Driving under the influence of drink or drugs. Driving without insurance. Any offence which would be covered under your motor insurance policy. Any offence which would be covered under your motor insurance policy |
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| £50,000 | Motor Contract | Pursuit or defence of disputes over buying, selling or maintaining vehicles. | We will not pay the first £100 of every claim under this section. Any event which occurs within the first three months of this policy, unless the claim is for new goods or services brought after the date of this policy. Any contract where the amount in the dispute is less than: - £1000 for buying, selling or hiring the insured vehicle; or - £250 for servicing, repairing or testing the insured vehicle. Any dispute over the amount of money or compensation due under an insurance policy. Vehicles more than 15 years old. |
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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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| 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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| Home & Roadside Assistance | In the event of breakdown, at home or on the road, we will come out and try to repair it to get you back on the road. We will also come out if your vehicle has been damaged in an accident or vandalised. | You must pay the costs of any parts, fuel or other supplies used to repair you vehicle. You must be within the territorial limit, described in the Definitions of section 4 of the policy wording within the policy information booklet. |
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| £50 | Storage | We will pay for the storing of the vehicle | The most we will pay is £50. | |
| Onward Travel, Hotel Accomodation and Car Hire | If the insured vehicle cannot be repaired within 4 hours of being recovered, we will arrange for the following: - Pay for you and your passengers to continue your journey or return home Or - Pay for you and your passengers to stay overnight (up to £100 per person per night; max £300 per incident) Or - Pay for a hire car, up to 1600cc, for up to 24 hours. |
Up to 6 passengers. Must be more than 50 miles away from your home. You must be between 25 and 65 (with no endorsements on your driving licence). You must pay a deposit by credit card to the hire-company to cover the cost of fuel you use, insurance and any extra days' hire. |
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| Up to £100 per person per night; max £300 per incident | Medical Assistance | We will pay for one night’s bed and breakfast for up to six passengers if you have to go into hospital after an accident | You must be more than 20 miles from your home. You must pay extra hotel costs. |
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| Replacement Driver | If you cannot drive because you are ill or have been injured in an accident, we will provide you with a replacement driver to take you home. | You must be within the territorial limit, described in the Definitions section of the policy wording within the policy information booklet. | ||
| Message Service | 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. | ||
| You will have to pay for the work they do | Broken glass | We can arrange for an approved supplier to come out to replace any broken glass | You will have to pay for the work. | |
This is only a summary of our benefits of cover, please
contact us for further information.
