Specialist Private Car – High Net Worth 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 the policyholder’s vehicle.
• Repair Guarantee - Guaranteed approved repairs for up to three years.
• New Vehicle Replacement - We’ll replace a car 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 – protect 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*-  A free courtesy car will be provided while the vehicle is being repaired by an Approved Repairer (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 £1000.
• Replacement Keys and Locks* - Up to £1000 cover for stolen keys. £150 excess will be applicable.
• Audio/Entertainment/Navigation - Manufacturer fitted equipment is unlimited cover and non-Manufacturer fitted up to £1000 cover.
• Medical Expenses* - Includes up to £200 per person.
• Hotel Expenses and Alternative Transport* - Hotel and alternative travel expenses covers £100 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 is calculated on pro rata basis, subject to no claims.
• Agreed Valuation - An optional extra – If the insured vehicle is a total loss (write off) or unrecovered following its theft, we will pay the agreed value subject to the deduction of any applicable excess.
• Motoring Assistance Cover - This cover is intended to offer services relating to the breakdown of your vehicle in certain situations which are outlined in the Policy Document. Motor Breakdown insurance is provided by Call Assist.

* Comprehensive cover only.