What car insurance add-ons do I need?

When purchasing any car insurance policy, it is worth considering whether you would like to include any additional cover options too. A variety of car insurance extras are commonly available in the UK which can often be added on to your standard insurance policy.

These add-ons are likely to be at an additional cost, and will be subject to their own limits, terms and conditions. You should always check the details for each add-on directly with your insurance provider before purchasing.

Commonly available add-ons may include:

1. No Claims Bonus Protection

No Claims Bonus (also known as a No Claims Discount) refers to the number of years you have had a car insurance policy in your own name without making a claim. The more No Claims Bonus years you accrue, the more discount you may be eligible for on your car insurance.

On a standard policy, if you have an accident during your policy term, your insurer may ‘step back’ the number of NCB years you have. This could potentially make your insurance premium more expensive at renewal.

If you have accumulated 4 years or more No Claims Bonus, you can choose to protect it with Endsleigh’s ‘No Claims Bonus Protection.’

Protecting your No Claims Bonus means that in the event of a claim your No Claims will be retained at the same level at renewal, even if you are at fault. There may be a limit to the number of claims you're able to make while protecting your No Claims Bonus, and each insurer will have their own terms and conditions. Read your policy documents to find out what’s covered.

Remember, No Claims Bonus Protection does not protect the overall price of your insurance policy, and the price of your insurance policy may still increase following an accident even if you were not at fault.

2. Legal cover

Endsleigh’s optional car legal cover is designed to pay for your legal costs when pursuing a claim for uninsured losses if you are involved in a motor accident that is not your fault.

Covers can include the cost of defence if legal action is taken against you following an accident, or the costs of your legal claim against a third party if the third party is found to have been negligent. Car insurance legal cover will also often enable you to recoup any excess payment that you have had to pay following an accident where you were not at fault.

Find out more about optional car insurance legal cover and what it covers.

3. Enhanced personal accident cover

If you're injured in an accident, you may be left unable to work - either while you recover or permanently, dependent on the severity of your injuries. Personal accident insurance provides compensation for death and specified injuries sustained as a result of a car accident. This is only if you’re unable to claim from a third party, and the injuries included will be specified in your policy documents.

Personal accident cover is often included as standard within a comprehensive insurance car policy, but not always. You should check with your insurer whether this type of cover is included in your policy. If basic personal accident cover is included, it may be possible to pay an additional amount to the insurer to increase the level of cover.

Endsleigh’s enhanced personal accident cover will provide a specified lump sum which may provide immediate security in assisting with bills, medical costs and other expenses that may be incurred, including cover for both you and your passengers up to £150,000 per accident.

4. Breakdown cover

Breakdown cover will typically include the cost of vehicle recovery following a breakdown, but usually not the repairs.

Often there will be a number of different types of breakdown cover available such as:

  • Breakdown repair cover – This covers the cost of recovery following a breakdown, plus extra cover available for spare parts should they be required.
  • At home – This will cover your vehicle if it breaks down at home only (rather than when you’re out and about). It is also sometimes called ‘on drive’ cover.
  • European breakdown cover – This will cover you if you breakdown whilst you are driving in Europe. However, before taking out this policy, it is worth checking with your insurer whether this type cover is already included in your car insurance policy.
  • Onward journey cover – This covers the cost of onward travel (e.g. train tickets) to enable you to complete your journey if your car is not able to be repaired on the roadside.
  • Personal cover – This covers the cost of recovery for any car that you might be driving, rather than just a specific vehicle.

You can also take out breakdown cover separately to your insurance policy, although you may find it easier to cover both under the same roof, with the same renewal date.

5. Key Care

If you lose or misplace your keys, it can sometimes be expensive to replace them. Key Care covers the replacement of keys and locks for your vehicle should they be misplaced or lost.

Endsleigh’s Key Care cover also provides:

  • Cover for lost and stolen keys, replacement locks and any call-out charges up to an annual cover limit of £2,500
  • No excess to pay
  • Up to 3 days car hire if your car is unusable as a result of lost or stolen keys
  • 24 hour, 365 days a year emergency helpline

6. Excess protection

An ‘excess’ is the initial amount you must pay yourself if you are making a claim on your car insurance policy. If you need to make a claim, excess protection will reimburse the cost of any excess you’ve had to pay up to the amount specified on your policy. Not only does this ensure you’re not left out of pocket following an accident, but it also allows you to increase your voluntary excess – which in turn could decrease the initial cost of your insurance.

7. Hire car cover

Would you struggle to get around if your car was stolen or written off? Taking out hire car cover will ensure you get a temporary replacement car delivered to you following an accident so you can still get from A to B.

With Endsleigh, the replacement car is available for up to 21 days on a comprehensive policy, and up to 14 days on third party, fire and theft policies, giving you plenty of time to find a new car.