Policy Extras

Motor Protection Plan Plus - £33.00

What is Legal Expense cover?
The Legal Expense cover plan has been developed to provide you with additional legal protection for your car insurance. Legal Expense cover is a low-cost insurance policy which safeguards you against the effects of uninsured losses as a result of an accident that wasn't your fault.

Why do I need this extra insurance?
Unfortunately, your current car insurance policy may not cover you for some additional losses you could incur, such as policy excess or medical expenses (even if the accident is not your own fault).

Who is the insurer?
The policy is underwritten by Allianz Insurance plc, one of the leading UK legal expenses providers.

What help do I get?
Help is at hand from Allianz Insurance plc who have a team of experienced claims specialists to help seek compensation for these losses. It is your legal right to pursue compensation from the guilty party and, with legal expenses insurance up to £75,000 per claim, you can do this without being out of pocket.

What costs may be pursued?

• personal injury to the insured
• loss or damage to personal property
• loss of earnings
• medical expenses
• policy excess under comprehensive insurance

What else does it cover me for?
Legal Expense cover includes a number of benefits in addition to uninsured loss recovery:

• replacement car facility - Where the accident was clearly not your fault and you have full third party details, Legal Expense cover can often provide a replacement vehicle
• credit repair - With third party insurance, if you have an accident that is not your fault, Legal Expense cover can arrange for repairs to be done to your vehicle immediately, at no cost to yourself. This means you don't have to wait until the other driver's insurance has been sorted out before your own vehicle is repaired
• if your car is immobilised immediately following a motor accident within the UK, Legal Expense cover will supply, subject to availability, a replacement vehicle for the period of up to 72 hours. This is providing the hire period commences within two working days of the date of the accident. You will only be charged for fuel costs and the Collision Damage Waiver. Insurance will be provided subject to compliance with the rental company's insurance criteria, and that a full and valid driving licence has been held for at least 12 months.

Motor Breakdown Cover - £45.00

Important Note: Breakdown cover is provided in the United Kingdom and European Union for a maximum of 90 days through Europ Assistance. This cover is only available for policyholders resident in the UK.

What is so special about our breakdown cover?

It is a vehicle breakdown policy which covers ANYONE who is insured to drive your vehicle. In other words, your vehicle is covered provided the drivers are insured under your policy.

Do I only get basic cover?

No, all policies include cover for breakdown, accident, fire or theft/vandalism plus the following breakdown cover offers:

• Roadside Service - provides cover for cost of up to one hour's labour charges to enable repair at the roadside or recovery to the nearest available garage, including any caravan or trailer
• Home Service - provides cover for cost of up to one hour's labour charges to enable repairs at home address or recovery to the nearest garage
• Vehicle recovery in one journey - provides national recovery of the vehicle and passengers to one chosen destination, including any caravan or trailer
• Alternative Travel/Accommodation - if the vehicle cannot be repaired or taken to your home destination during the same working day we will provide up to £150 in respect of travel or accommodation costs
• Message Service - a message will be passed to your family or colleagues if required
• Breakdown in Europe - if the vehicle cannot be repaired we will cover the cost of taking the vehicle and up to 8 people to a nearby garage. If the vehicle is out of use, we will cover the cost of a hire car, rail travel or extra accommodation.

Please see the policy wording for full details of the cover.

Drivers Personal Accident Plan - £2.99

At AIG Direct we make it easy and affordable for you to increase your level of cover.

For £2.99 per month (less than 10p per day), you could receive £125,000 if you suffer serious injury in a covered accident.

As a special feature of our Drivers Personal Accident Plan, the benefits payable automatically double if you are injured in a covered road traffic accident.

Terms conditions and exclusions apply. You can apply for cover once you've bought AIG Direct car insurance. For more information on Drivers Personal Accident cover click here