Cover details
Whilst Simple Cover provides you with a comprehensive car insurance product we also offer a selection of additional extras that can give you that extra re-assurance or levels of cover that you actually need.
All of the following covers are available at an additional premium.
- Breakdown Cover
- Foreign Use
- European Breakdown
- Legal services
- Courtesy Car
- Physiotherapy Cover
- Windscreen Cover
-
Breakdown Cover
Benefits of Breakdown Cover:
- We always aim to fix your vehicle at the roadside
- Our policy is rated according to your personal details so you only pay for the cover you need
- Priority is given to customers who break down in a vulnerable situation
Unlike some other breakdown providers, we don't charge a flat rate so you only pay for the service you need. We provide a range of options that vary in cost, and basic cover starts from just £28.88 (Including Insurance Premium Tax).
Breakdown Cover options:
Breakdown Breakdown Plus Roadside assistance 
Tow to a nearby garage for you, your car and up to 7 passengers Recovery to any destination for you your car and up to 7 passengers Recovery of your car and passengers if the driver is medically unfit to drive -
Foreign Use
What is covered:
For an additional premium the European Union compulsory insurance can be upgraded to the same level of cover as you have in the British Isles and the Channel Islands and will apply to the following countries:
Andorra, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including Vatican city and San Marino), Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, The Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland
We may also provide cover in other foreign countries, subject to an additional premium and the issuing of a Green Card. Please call 0870 609 5750 if cover is required.
Please be aware the Legal Cover and Hire Car cover will only extend to use in Europe if European Breakdown is also purchased.
For our joint protection and training purposes, telephone calls may be recorded and/or monitored.
-
European Breakdown
If you purchase Foreign Use cover you can also add European Breakdown cover.
In the event of breakdown you will be entitled to:
- A breakdown service in Europe
- Hire car for up to 14 days following a claim*.
- Breakdown Plus cover whilst travelling to or from the port in the UK.
- Legal cover whilst in driving in Europe.
*Car hire is subject to the normal terms and conditions of the hiring company.
-
Legal services
What is covered:
- We'll cover you for up to £10,000 in legal costs to defend a motoring prosecution following an accident (though not drink or drug related offences).
- And we'll cover you for up to £50,000 in legal costs for you, your passengers or an authorised driver, to pursue your case after a motor accident.
- We also provide a 24-hour legal helpline, which gives you free confidential legal advice from an expert, so all you pay for is the phone call.
- Legal assistance is also available to recover any uninsured losses, such as your policy excess, medical fees or damages for injury after a motor accident.
-
Courtesy Car
Designed to keep you mobile during the period of your claim, this option will cater for most customer needs. A standard courtesy car is a small, 3 door, 1 litre hatchback.
If chosen a courtesy car will be provided for the duration of repairs or in the case of theft and total loss, either up to a maximum of 14 days or until the claim is settled, whichever is sooner.
To receive the courtesy car you must use one of our approved repairers.
-
Physiotherapy Cover
Simple Cover offers a comprehensive physiotherapy cover to help you recover if you've been involved in a car accident.
For just £17 a year you can add Physiotherapy Cover to your comprehensive motor insurance policy. This unique cover gives you:
- Speedy referral to a fully qualified chartered physiotherapist in your area
- An initial consultation to determine the suitability and level of treatment required
- Up to 8 treatment sessions
- Full report will be sent to your GP on completion of your treatment.
At just £17 per year, this cover represents fantastic value for money
What is covered:
- Physiotherapy treatment from a Simple Cover appointed* Chartered Physiotherapist who is of the opinion that treatment will help your recovery. The most we pay for each injured person is £400.
- Fast track applications - you are contacted normally within 48 hours of your request.
- You are covered even if the accident was your fault, there's no impact on NCD (claims including your vehicle still affect your NCD), and your passengers also benefit from this fast track service.
What is not covered:
- Physiotherapy will end once the Physiotherapist considers additional treatments will provide no further assistance to your recovery, or the limit (above) has been reached, whichever is sooner.
* Quantum Managed Care (QMC) are the expert third party appointed by Simple Cover to manage this service.
-
Windscreen Cover
Windscreen cover can be added to your comprehensive Simple Cover policy for just £15.75*.
If you select this windscreen cover option you have access to our approved glass repairers for loss of, or damage to, the glass in your cars windscreen, sunroof or windows and additional cover benefits:
- Your No claims discount will not be reduced in the event of a claim
- No excess will be payable if your glass is repaired.
- Where replacement glass is required a £60 excess applies (as opposed to any excess's shown on your schedule).
- If you decide not to use our approved repairer we will still indemnify you for up £185 subject to the £60 excess under this section.
*monthly premiums include an additional 10% administration fee.