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Your guide to car insurance add-ons

Insurance providers offer lots of different add-ons and it can be pretty confusing making sense of what they are and why you might need them. To help out, we’ve put together a quick guide to some of the common policy add-ons that are available.

Keycare Cover

As the name suggests, Keycare cover offers you a bit of peace of mind if you ever lose your keys. Most insurance providers will offer the option of whether to cover your car, home and even your business premises keys. That way, if your keys are permanently lost, stolen or inaccessible, you can claim up to a set amount agreed with your insurance provider when you take out the policy. Some will even offer you access to a network of locksmiths to help recover your keys.

Personal Accident Cover

This add-on is designed to help you out financially in case you are ever involved in an accident. The type of benefit provided will depend on your individual insurer but, generally, Personal Accident Cover will pay a sum of cash to help support you and your family following the injury. The amount will depend upon the severity of the injury and how long you have to spend in hospital recovering.

Guaranteed Replacement Car 

The thought of being without your car can be a daunting prospect. That’s why many insurance providers offer a Guaranteed Replacement Car as an add-on. What is offered will vary between insurance providers so be sure to check the details. However, with many providers, if you are unable to drive your own car due to an accident or theft, you are guaranteed access to another car whilst yours is unavailable.

Breakdown Cover

Whether it’s an engine problem or punctured tyre, it’s always a nightmare when your car breaks down. That’s why some insurance providers also offer breakdown cover as an add-on, to give you some peace of mind. This means that if you do ever break down, you will receive assistance at the roadside to get you and your car home safely.

If you’d like to find out more information about all things motor insurance, have a browse through the driving segment of our blog.

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