Car insurance optional extras explained including legal protection, breakdown cover, personal accident cover, windscreen cover and courtesy car cover.
The features included as standard on car insurance policies will vary enormously - always check your policy documents to see what's included and what optional extras are available for you to buy.
Here are some of the most common policy extras available, with links to more in-depth articles in case you need to know more:
Legal protection may be covered in your policy, but if it isn't you could purchase it as an optional extra. This type of insurance can:
If you're thinking about coupling breakdown cover with your car insurance, think carefully about whether you can get a better deal by purchasing both products separately.
You should also consider whether the breakdown policy offered by your car insurer is suited to your needs and whether you already have breakdown cover from another source, such as a packaged bank account or credit card.
Levels of breakdown cover vary significantly and include:
If you'd prefer a more comprehensive policy whilst driving abroad you could purchase additional cover for when you're out the country.
Although green cards used to be obligatory for many motorists driving abroad, their use is no longer as widespread - establish what cover you need before getting behind the wheel abroad. For more information, read our article on driving abroad.
If you aren't able to use your car because it's been written off or taken away for repair, courtesy car insurance can provide you with an alternative vehicle until yours has been returned, or for a pre-determined period until you find a new one.
Bear in mind that certain restrictions and exclusions are likely to be included on any policy - for example, you will probably have to use your insurer’s approved repairer.
Personal accident or personal injury cover can pay out if you're injured or killed as the result of a car accident. How much will depend on the sort of injury and which type of personal accident cover you choose.
Personal injury cover may be included on your policy as standard, but - even if you have a comprehensive policy - you should check whether you have the level of cover that you require.
Windscreen cover can offer repairs for chips or cracks in your windscreen, or replacement of the entire screen if necessary. This sort of cover may be included in comprehensive policies, but note that an excess usually applies.