Cover details
Comprehensive insurance from Simple Cover includes the covers you need to protect your car.
What is Covered?
- Loss of, theft or damage to your car
- Accident recovery
- Liability to third parties
- Emergency medical treatment
- No claim discount
- Glass in windscreens, sunroofs and windows
- Replacement locks
- European Union Compulsory Insurance
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Loss of, theft or damage to your car
If your car is lost, stolen or damaged we may:
- pay for your car to be repaired;
- replace your car; or
- pay you a cash amount equal to the loss or damage.
When we settle claims, we may take off an amount for wear, tear and loss of value. The same cover also applies to:
- Accessories, up to £250 unless fitted by the vehicle manufacturer,
and - spare parts relating to your car while these are in or on your car or while in your private garage.
The most we will pay will be the market value of your car at the time of the loss.
If you cannot drive your car as a result of damage insured under this policy, we will pay the reasonable costs of:
- protecting your car and removing it to the nearest Simple Cover approved repairers; and
- delivering your car back to your address as shown on the policy schedule after the repairs have been carried out.
If we know that you are still paying for your car under a hire purchase or leasing agreement, we will pay any claim to the owner described in that agreement. Our liability under this policy will then end.
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Accident recovery
If you are involved in an accident, your car is not safe to drive afterwards, call us and we will arrange for the following at no extra cost.
- Someone to come out and help. If your car cannot be made roadworthy within a reasonable time, we will take it to a Simple Cover approved repairer.
- We can take your car to a repairer of your choice if this is nearer, but this may lead to delays in arranging for repairs to your car.
Our employees and contractors will use reasonable care and skill when providing the accident recovery service.
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Liability to third parties
Our comprehensive car insurance policy covers you for liability to third parties.
We will insure you for all amounts which you may have to pay as a result of you being legally liable for:
- a person's death or injury
- damage to their property (subject to a maximum of £20m)
We will also pay the following legal costs if they relate to an incident under this section:
- the fees of solicitors we ask to represent anyone we insure
- fees for legal representatives we ask to defend anyone we insure
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Emergency medical treatment
We will refund any person using any car covered by this policy for emergency medical treatment payments they have to make under the Road Traffic Acts.
If we make a payment under this section, this will not affect your no-claim discount.
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No claim discount
If you make a claim under your policy, we will reduce your no-claim discount in line with our scale.
If you do not make a claim under your policy, we will increase your no-claim discount when you renew your policy in line with the scale we apply at that time.
We do not grant no-claim discounts for policies running for less than 12 months.
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Glass in windscreens, sunroofs and windows
Glass in windscreens, sunroofs or windows (or for any scratching of the bodywork as a result of broken glass)
You must notify our claims department on 0845 603 7950* before any work is carried out under this section. Once you notify us we will direct you to an approved repairer.
Replacement:
- If you use our approved Glass Repairers and your claim is for loss of, or damage to, the glass in your car's windscreen, sunroof or windows, you will only have to pay the first £60, 'the excess', of the cost of repairs.
- If you choose not to use one of our approved Glass Repairers the limit of indemnity under this policy is £185. In every case you will have to pay the first £60, 'the excess', of the cost of replacing the glass which means we will only pay any additional costs up to the value of £125. You will be responsible for paying any costs over and above this amount.
Repair:
- If the glass is repaired rather than replaced then no excess will apply.
Your no-claim discount will not be affected by making a claim under this section.
*For our joint protection and training purposes, telephone calls may be recorded and/or monitored, calls charged at the local rate.
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Replacement locks
If the car keys or lock transmitter of your car are lost or stolen, we will pay the cost of replacing:
- the affected locks
- the ignition and steering lock
- the lock transmitter and central-locking system.
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European Union Compulsory Insurance
Our car insurance policy covers you for using your car in some other countries.
This policy will provide cover for your car in any country which:
- is a member of the European Union; or
- has, according to the European Commission made arrangements to meet Article 7(2)of EC Directive on insurance of civil liabilities arising from the use of motor vehicles (No. 72/166/EEC).
The level of cover we provide will be:
- the minimum needed to keep to the laws on compulsory insurance in the country where the event happened; or
- for claims arising in a country which is a member of the European Union, the minimum cover needed either in that country or in Great Britain, whichever is higher.
Your Simple Cover certificate of motor insurance provides enough evidence that you are keeping to the laws on the compulsory insurance of motor vehicles in all of these countries.