There is a range of different extras to choose from such as breakdown cover, No Claims Bonus protection, and excess insurance cover. You don’t have to include every add-on, but some may be useful and offer you peace of mind depending on the level of cover you want.
To avoid overlapping and paying more money on your car insurance, be sure to check out what’s already included as part of your existing policy.
Breakdown cover provides you with roadside assistance if your car breaks down at the side of the road or outside your house.
At Stroll Insurance, we partner with AXA Assist to send a qualified mechanic to your location. They’ll either fix your car on the spot or tow it to the nearest garage for just £30 per year.
Some insurance providers also offer National Recovery as a more comprehensive level of breakdown cover. Roadside assistance tows you to the nearest garage while national recovery tows you to any location within the UK.
If your car is in the habit of breaking down or it’s unreliable, then it’s worth adding car breakdown cover onto your policy. Some types of insurance, such as comprehensive car insurance, offer breakdown cover as part of their package so it’s important to check your policy.
No Claims Bonus Protection
Having a no claims discount or no claims bonus allows you to avail of cheaper car insurance for having a claims-free driving record built up over the years. The more years you drive without making a claim, the more money you can save on car insurance.
Paying extra to add no claims discount protection onto your insurance policy ensures you won’t lose your no claims discount if you make a claim.
If you have several years of no claims bonus built up and don’t want to lose it, then it’s worth paying to protect it.
Excess Protect Insurance
‘Excess’ is the amount of money that you pay when you make a claim with the remaining being paid for by your insurance company.
Many of us select the higher excess option to get a cheaper insurance premium. However, claims often happen at inappropriate times and you may find it difficult to cover the cost of the excess.
For just £25-£50, depending on the level of excess you choose, you can get reimbursed for the amount you pay out of excess when you make a claim.
If you’re planning a road trip abroad and want to hire a car, then it’s also worth taking out car hire excess insurance.
Courtesy Car Cover
This type of cover is most beneficial for those who rely on a car for daily tasks.
If you’re after an accident that was your fault then there’s no need to stress about how to get around.
Adding a courtesy car to your insurance policy ensures you have a car to use for your day-to-day activities while you're waiting for your car to get repaired in the garage.
Here at Stroll Insurance, you’ll receive a courtesy car 48 hours after your claim has been approved. We partner with Reliable Cars to ensure you have the use of a car for 14 days.
Legal Expenses Cover
If you are involved in an accident that wasn’t your fault and need to make a claim against another driver or need to pay expenses due to any legal proceedings, legal cover may be an essential add-on.
Without legal cover, you may be personally responsible for settling legal costs which could cost thousands of pounds. It costs £15 extra a year on your insurance policy.
Benefits of this cover include:
- Cover for your legal fees so you can pay a solicitor to act on your behalf.
- Up to £100,000 legal cover for the recovery of uninsured losses such as medical costs for personal injury following an accident.
- Cover for travel expenses, hire car charges and loss of earnings because of an accident.
- £25,000 cover for defence of motoring prosecutions.
- 24/7 legal helpline for advice on any legal matter, not just in relation to an accident.
If you’re unsure of what optional extras suit your needs or if you want to know more, why not contact us today and we’ll help you out.
We all know the panic that sets in when you can’t find your keys and it’s only made worse when you start to think about how expensive car keys are to replace and how locksmiths like to charge!
That’s all exactly why we offer SmartFob Keycare Insurance...
So, what is it?
Once you purchase SmartFob keycare, we will send you out a fob that attaches to your keys and ask you download the keycare app.
With this app you can locate and track where your keys are. You can also find your phone by clicking the button on your fob so your phone will ring out an alarm (even when its on silent) - we know, it's a gamechanger!!
If we can't locate your keys or they've been stolen, then keycare will cover you for the cost of replacing them too.