"Pay as you drive"™
insurance
Added Value Extras
There are also a number of additional cover options that you may want to consider adding to your policy.
- Itemised Billing
- Norwich Union Rescue
- Legal services
- Courtesy Car
- Physio Fast
- European Breakdown Protection
- Travel Abroad
- Personal Accident Cover
Itemised Billing
Itemised billing allows you to see exactly how your driving pattern affects your "Pay As You Drive"™ insurance premium and details all the journeys you have made during the period of your bill.
- Shows all the journeys you have made over 0.5 miles in length
- Details the exact cost each journey has contributed to your total "Pay As You Drive"™ insurance bill
If you do not require itemised billing you will still receive a monthly bill showing your "Pay As You Drive"™ insurance premium for that period.
Norwich Union Rescue
Breakdown cover can now be bought as part of your "Pay As You Drive"™ insurance policy.
In the event of breakdown you will be able to access our breakdown service via your in-car Assistance Button. There is no need to worry about knowing where you are as we will be able to locate you using your in-car device allowing us to get assistance to you as quickly as possible. A personal assistant will provide you with your exact location and put you through to the Norwich Union Rescue helpline.
Legal services
Our Legal services additional cover option can be taken out with your "Pay As You Drive"™ insurance policy.
- 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
Our courtesy car options can be taken out with your "Pay As You Drive"™ insurance policy.
Two types of courtesy car cover are available for a small additional charge:
Standard Courtesy Car Cover
Designed to keep you mobile during the period your car is off the road being repaired, this option will cater for most customer needs. A standard courtesy car is a small, 3 door, 1 litre hatchback.
Enhanced Courtesy Car Cover
We recognise that not all people needs are the same, and as a result we offer a larger courtesy car. An enhanced courtesy car is a 5 door car with a 1.6 litre engine and room to seat 5 people.
This option is best suited to customers who already have a larger car and use it for situations like the school run, have small children and need room for a pram, or use their car for business which may involve a lot of motorway driving.
Both options provide a courtesy car 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.
Physio Fast
Physio Fast is a comprehensive physiotherapy cover to help you recover if you've been involved in a car accident.
Approximately 80% of all personal injury claims involve 'soft tissue' or 'whiplash' injuries and medical research strongly suggests early diagnosis and treatment significantly increase your chances of making a full and speedy recovery (Datamonitor, UK Personal Injury Litigation 2004).
You can add Physio Fast 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
- This cover represents fantastic value for money
What is covered
- Physiotherapy treatment from a Norwich Union 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.
European Breakdown Protection
Our European Breakdown Protection option offers you breakdown cover across Europe and can be taken out with your "Pay As You Drive"™ insurance policy.
What is covered
- Hire car for up to 14 days following a claim
- And there's a rescue and recovery service in the UK, while you're travelling to and from the port
- Vehicle repatriation will ensure that you vehicle is recovered back to your home.
Travel abroad
What is covered
- Your "Pay As You Drive"™ insurance policy will automatically provide the minimum cover required to travel in most European countries.
- A Foreign Use tariff will also apply to any usage of your car outside of Great Britain and the Isle of Wight providing you with comprehensive cover for travel in the following countries (please contact us to confirm your travel arrangements):
Andorra, Austria, Belgium, Czech Republic, Denmark (inc Faroe Islands), Finland, France (inc Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Republic of Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Portugal, San Marino, Slovakia, Spain, Sweden, Switzerland, Vatican City.
If the country you wish to travel in does not appear in the list above, please call 0800 828 824 and one of our advisors will help you. For our joint protection telephone calls may be recorded and/or monitored.
- For greater protection and peace of mind, why not add our European Breakdown Protection.
- Please be aware that Legal cover and Courtesy Car cover will only extend for use in Europe if European Breakdown Protection is also purchased.
Personal Accident Cover
Personal Accident Cover can be purchased in addition to the Personal Injury cover that is included as standard with your "Pay As You Drive"™ insurance policy.
There are two options available:
- Policyholder only - up to £40,000
- Policyholder and Partner - up to £20,000 each
If you or your partner are accidentally injured in your car, or whilst travelling in any other private car that does not belong to you, or is not hired to you under a hire-purchase agreement, we will pay the agreed amount if, within 3 months of the accident the injury is the only cause of the policyholders or partners:
- Death
- Permanent loss of sight in one or both eyes; or
- Loss of any limb