Private Car (MHR) Insurance
Features at a glance:
- Uninsured Driver Promise* - We refund the policyholder’s excess and protect NCD
- Vandalism Promise* We protect the policyholder’s NCD
- 30 Days European Cover with accident recovery included.
- Child Seat Cover* - Child seat replaced in the event of an accident, fire or theft damage.
- No Windscreen Repair Excess* - £100 excess for windscreen replacements.
- Free Accident Recovery - We will collect and re-deliver a cleaned vehicle.
- Repair Guarantee Repairs - Will be guaranteed for the period you own the vehicle if an approved repairer is used.
- New Vehicle Replacement - We’ll replace a vehicle damaged beyond repair or that has been stolen and unrecovered, which is no more than a year old with a like-for-like replacement.
- No Claims Discount Protection an optional extra – protected NCD from one year with no limit on number of claims under bonus protection.
- Enhanced Claim Journey - Wide-ranging pre inception validation and enrichment to provide a simplified claim journey for customers.
- Free Courtesy Car* - Provision of a courtesy car if the vehicle is repaired by one of our approved repairers (subject to availability).
- Third Party Liability Cover - Property up to £20,000,000, death or injury is unlimited and legal costs and expenses cover up to £5,000,000
- Personal Belongings* - Covered up to £250.
- Replacement Keys and Locks* - Unlimited cover for lost or stolen keys and to unlock vehicle if keys are locked in the car accidentally. A £100 excess will be applicable.
- Audio/Entertainment/Navigation - Manufacturer fitted equipment is unlimited cover and non-Manufacturer fitted up to £500 cover.
- Medical Expenses* - Includes up to £250 per person.
- Hotel Expenses and Alternative Transport* - Hotel and alternative travel expenses covers £80 per person, up to £500 in total.
- Car Sharing - Car sharing with fellow passengers is included, as long as there are no monetary gains.
- Cancellation - Return premium calculated pro rata, subject to no claims.
* Comprehensive policies only.
CMA NCD Protection
Average NCD Discount Tables 2017
Average NCD Discount Tables 2018
Average NCD Discount Tables 2019
Average NCD Discount Tables 2020