Help Tag: Cover

What is Uninsured Loss Protection?

All insurethebox policies include Uninsured Loss Protection. This is cover for legal costs up to £100,000 to reclaim losses, not covered by your policy, from someone who has caused an accident resulting in your injury or damage to your car.

If you choose to make a legal costs claim our provider will appoint a solicitor, or one of their agents, to handle your case. They will seek to:

Obtain compensation from the person responsible if you or your passengers have been injured
Claim back other losses such as your policy excess, replacement vehicle hire costs, travelling expenses, loss of earnings or damage to personal effects.
To make a claim, please call the insurethebox claims helpline on 0333 103 0030.

Uninsured Loss Protection is provided by ARAG plc.

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What is Courtesy Car Cover Plus?

Courtesy Car Cover Plus provides a courtesy car for up to 21 days if your car is declared a total loss following an accident that was your fault, or as a result of fire, lightning, flood, vandalism, explosion, theft or attempted theft. For all other instances, a courtesy car is provided under the terms of your policy when a valid claim is made.

To receive the courtesy car hire you must meet the following criteria: you must be able to produce a current full valid driving licence which has been continuously in force for six months, and you must not work as an entertainer or professional sports person.

If you do not qualify for a courtesy car because you do not meet the above criteria, or a courtesy car is not available, then you will receive up to £250 towards reasonable and necessary alternative transport costs where you are able to provide official receipts.

This policy also includes:

  • Cover for legal costs and expenses up to £50,000 if you are prosecuted for a motoring offence
  • Cover for legal costs and expenses up to £50,000 if you are a victim of vehicle number-plate cloning
  • Identity theft advice and assistance
  • Access to legal, tax and counselling helplines
  • Access to a consumer legal services website

Courtesy Car Cover Plus is provided by Brit Syndicate 2987 at Lloyd’s, managed by Brit Syndicates Limited. ARAG plc administers this policy on their behalf.

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When can I add Courtesy Car Cover Plus?

You can add Courtesy Car Cover Plus at the start of your policy or at renewal. Unfortunately you are unable to add it mid-way through the term of your policy.

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Who provides the cover for Courtesy Car Cover Plus?

Courtesy Car Cover Plus is provided by ARAG plc of 9 Whiteladies Road, Clifton, Bristol BS8 1NN, and underwritten by Brit Syndicates Limited, the managing agent for Brit Syndicate 2987 at Lloyd’s, of 55 Bishopsgate, London, EC2N 3AS.

 

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What is the Courtesy Car Cover Plus tax advice helpline number?

Please refer to your Courtesy Car Cover Plus policy document.

What is the Courtesy Car Cover Plus counselling helpline number?

Please refer to your Courtesy Car Cover Plus policy document.

What type of car is provided as a Courtesy Car with Courtesy Car Cover Plus?

The courtesy car will usually be a small car with a manual gearbox (typically a one litre hatchback
or similar). The courtesy car is not intended to be an exact replacement for your car.

 

If I make a claim on my Courtesy Car Cover Plus policy will I have to pay an excess?

The following excesses apply on any claim on the courtesy car (please note that these replace the excesses in your insurethebox policy):

  1. £350 for any accidental damage and/or theft and/or vandalism
  2. £75 plus VAT for any glass repair/replacement

 

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Does my Courtesy Car Cover Plus policy impose any charges?

The courtesy car supplier may make some charges in the following circumstances:

  1. If you return the courtesy car with less fuel in than when it was delivered to you, there will be a charge of £1.60 plus VAT per litre of fuel subject to a minimum charge of £5.00
  2. If you lose or damage the car key(s) or lock them in the courtesy car; or if you lose or damage the car handbooks; you will be charged £250 plus VAT
  3. If the courtesy car is returned unduly dirty; you will be charged a fee for valeting of £35 plus VAT
  4. You will be responsible for the full replacement cost of any tyres damaged whilst the courtesy car is in your possession
  5. You will be responsible for any additional hire charges if you do not return the courtesy car when asked to
  6. You will be responsible for any fixed penalty offence, parking or congestion charges whilst the courtesy car is in your possession
  7. You will be responsible for any repair costs for wilful vandalism or wilful neglect by you

 

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What breakdown cover do you offer?

You can purchase our Box Road Rescue Cover in addition to your insurance policy. This is provided by our partner Intana Assistance. They will attend at the roadside and attempt to get you on your way.  If the vehicle can’t be repaired or it isn’t safe to do so, they will also transport your vehicle to your home or a suitable garage for repairs. If you take out Doorstep cover, Intana Assistance will attend at your home, for example if your car will not start. You can also purchase European cover which extends your cover to Europe (most countries are covered; please see your policy documents for details).

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