INSURANCE PRODUCTS
In addition to our accident and repair management solution, we also offer a number of innovative add-on policies designed specifically to meet the needs of your customers. These products are outlined below, along with an overview of what each policy includes.
Policies can be incepted through a number of back office solutions or directly through our own online portal. We can also provide intuitive APIs to allow different back office solutions to work in unison. For existing partners, you can view our extensive list of insurance products on our Portal, here.
Policy HubMOTOR LEGAL EXPENSES INSURANCE
Our Defaqto five-star rated Motor Legal Expenses Insurance is focused on delivering a first class service and offers a 24-7 accident reporting line. Our claims handlers are focused on providing the most appropriate solutions for your needs working with you to ensure any claims are handled as efficiently as possible.
Providing £100,000 limit of indemnity the policy provides recovery of uninsured losses arising from a non-fault accident.
These include:
- Replacement Vehicle Costs
- Policy Excess
- Loss of Earnings
- Loss of Use
- Personal Injury Compensation
- Vehicle Repair Costs
- Out of Pocket Expenses
- Damage to Personal Effects
Helplines and Additional Services
- 24 Hour Helpline
- Managed Repairs (non-fault accidents only)
- Motor Prosecution Defence
- Motor Consumer Disputes
- Pothole Damage
- Illegal Clamping and Towing
- Unenforceable Parking Fines
- Vehicle Identity Theft
- Motor Insurance Database Disputes
- Uninsured Driver Motor Insurers Bureau Recovery
BREAKDOWN COVER
If you have ever broken down you will know only too well the difficulties faced in arranging the recovery of your vehicle. On top of that, there is the pressing problem of how you will continue to your destination.
Just one call to our 24-hour helpline is all it takes to get your client moving again. An operator will immediately be dispatched and wherever possible a roadside repair will be carried out allowing them to continue their journey with the minimum of fuss. If this is not possible they will be recovered to the nearest suitable repairer, their onward destination or home address, whichever is nearer.
The table below outlines our three levels of cover and what they consist of:
| Policy Features |
National Recovery |
National Recovery & Home Start |
National Recovery, Home Start & European |
|---|---|---|---|
| Roadside Assistance | ✔ | ✔ | ✔ |
| Local Recovery | ✔ | ✔ | ✔ |
| Alternative Travel within the UK | ✔ | ✔ | ✔ |
| Emergency Overnight Accommodation | ✔ | ✔ | ✔ |
| Caravans and Trailers | ✔ | ✔ | ✔ |
| Key Cover | ✔ | ✔ | ✔ |
| Misfuel Assist | ✔ | ✔ | ✔ |
| Redelivery | ✔ | ✔ | ✔ |
| Driver Illness/Injury | ✔ | ✔ | ✔ |
| Message Service | ✔ | ✔ | ✔ |
| Nationwide Recovery | ✔ | ✔ | ✔ |
| Home Assist | ✔ | ✔ | |
| Pre-Departure Cover | ✔ | ||
| Roadside assistance, recovery abroad and repatriation service | ✔ | ||
| Alternative Transport Abroad | ✔ | ||
| Emergency Overnight Accommodation Abroad | ✔ | ||
| Shipping of Spare Parts | ✔ |
GUARANTEED REPLACEMENT VEHICLE INSURANCE
Having an accident or a vehicle stolen can be stressful enough without the inconvenience of being off the road whilst it’s being repaired or replaced. Guaranteed Replacement Vehicle Insurance will ensure your clients stay on the road when this happens.
A replacement vehicle will be provided for up to 28 days if their own vehicle is stolen or rendered undrivable following a road traffic accident, fire, theft, attempted theft, theft of parts or malicious damage. This could be whilst repairs are being completed or until they receive settlement of the pre-accident valuation.
The replacement vehicle is normally provided within 48 hours of the incident being reported to us and includes free collection and delivery, resulting in the minimum of disruption for your client.
Guaranteed Replacement Vehicle:
We offer seven standard vehicle types to best suit your client's requirements; the following indicates typical replacement vehicles for each type.
- Class A - (Vauxhall Corsa/Ford Fiesta)
- Class E - (Ford Mondeo/VW Passat)
- MPV - (Ford Galaxy/VW Touran)
- Prestige - (BMW 5 Series/Mercedes E Class/Audi A6)
- Small Van - (Vauxhall Astra Van/Renault Kangoo)
- Large Van - (Ford Transit SWB & LWB)
- Minibus - (12 Seater & 15 Seater)
Taxi Guaranteed Replacement Vehicle:
We offer three replacement vehicle types to best suit your client's requirements:
- Standard Taxi
- Prestige Taxi
- City of London Public Hire Hackney
DRIVERS CLUB
Having an accident can be stressful enough without the inconvenience of being provided with a small courtesy vehicle unsuited to the clients needs or indeed no vehicle at all following a fault accident.
Our Drivers Club Combined Motor Legal Expenses Insurance is focused on delivering a first class service combined with a guaranteed replacement vehicle for up to 14 days following a fault accident, fire, theft, attempted theft, theft of parts or malicious damage to a vehicle during the period of cover. For non-fault accidents they will receive a replacement vehicle that is suitable for their needs whilst their own vehicle is off the road.
We offer a 24-7 accident reporting line and our claims handlers are focused on providing the most appropriate solution for your clients needs. They will work with them to ensure any claims are handled as efficiently as possible.
In addition to a guaranteed replacement vehicle the policy includes motor legal expenses with a £100,000 limit of indemnity per claim and provides recovery of any uninsured losses arising from a non-fault accident.
These include:
- Replacement Vehicle Costs
- Policy Excess
- Loss of Earnings
- Loss of Use of your vehicle
- Personal Injury Compensation
- Out of Pocket Expenses
Helplines and Additional Services
- 24 Hour Helpline
- Managed Repairs (non-fault accidents only)
- Motor Prosecution Defence
- Vehicle Identity Theft
- Pothole Damage
- Illegal Clamping and Towing
- Motor Consumer Disputes
- Motor Insurance Database Disputes
- Unenforceable Parking Fines
- Uninsured Driver Motor Insurers Bureau Recovery
TAXI CLUB
Having an accident or a vehicle stolen can be stressful enough without the inconvenience of being off the road whilst it’s being repaired or replaced and on top of that worrying how you will pay your insurance excess.
Our Taxi Club policy will ensure your clients stay on the road when this happens, delivering a first class claims service combined with a guaranteed private replacement vehicle or City of London Public Hire Hackney for up to 28 days following a fault accident, fire, theft, attempted theft, theft of parts or malicious damage claim during the period of cover.
For non-fault accidents they will receive a replacement vehicle suitable for their needs whilst their own vehicle is off the road.
In addition, any excess payable to their motor insurer will be reimbursed following settlement of their main motor insurance claim.*
We offer a 24-7 accident reporting line and our claims handlers are focused on providing the most appropriate solution for your clients needs. They will work with them to ensure any claims are handled as efficiently as possible.
Taxi Club:
The policy also includes Motor Legal Expenses Insurance with a £100,000 limit of indemnity and provides recovery of any uninsured losses arising from a non-fault accident. These include:
- Replacement Vehicle Costs
- Policy Excess
- Loss of Earnings
- Loss of Use
- Personal Injury Compensation
- Vehicle Repair Costs
- Out of Pocket Expenses
Helplines and Additional Services:
- 24 Hour Helpline
- Managed Repairs (non-fault accidents only)
- Motor Prosecution Defence
- Motor Consumer Disputes
- Pothole Damage
- Illegal Clamping and Towing
- Unenforceable Parking Fines
- Vehicle Identity Theft
- Motor Insurance Database Disputes
- Uninsured Driver Motor Insurers Bureau Recovery
Taxi Club Plus:
For complete peace of mind upgrade your clients to Taxi Club Plus. In addition to the Taxi Club benefits they will also receive Breakdown Insurance. Just one call to our 24-hour helpline is all it takes to get your client moving again.
Taxi Breakdown includes the following features:
- Up to 6 Callouts Per Year
- Mechanical or Electrical Breakdown
- Misfuel or Lack of Fuel
- Flat Battery
- Accidental Damage to Tyres
- Loss of or Breakage of Keys
- Keys Locked within the Vehicle
- Message Service
- Recovery of Trailer Attached to the Insured Vehicle at the Time of the Breakdown (up to 23 feet in length)
- Emergency Overnight Accommodation
- Alternative Travel
*Excludes windscreen/glass excess. Maximum amount payable £500 per policy period.
EXCESS PROTECTION
Excess Protection Insurance is designed to cover your clients excess payment when they need to make a claim on their Private Motor, Commercial Vehicle, Commercial Fleet or Commercial Business Insurance policy. There is information on each of our Excess Protection policies below.
Private Motor Excess Protection:
Cover is available to all UK residents holding a full and valid UK driving licence or full internationally recognised licence.
The policy covers accidental damage, fire, theft and vandalism for motor cars and motorbikes.
Commercial Vehicle Excess Protection:
This policy covers accidental damage, fire, theft and vandalism for commercial vehicles, taxis and dual-control vehicles.
Cover is available to all UK residents holding a full and valid UK driving licence or full internationally recognised licence.
Commercial Fleet Excess Protection:
The insured must be a company based in the UK and cover is provided for all named drivers holding a full and current UK driving licence or internationally recognised licence.
The policy covers vehicles up to a maximum weight of 44 tonnes. (Any vehicles exceeding 3.5 tonnes in weight must be owned, hired or leased by the insured). Cover ranges from £500 to £25,000 and is dependent on the fleet size (maximum 100 vehicles).
Commercial Business Excess Protection:
The policy will cover up to three business premises, further policies can be purchased for each additional three premises.
The policy covers business interruption, fire, flood, public or product liability, theft or vandalism.
FAMILY LEGAL EXPENSES INSURANCE
Family Legal Expenses Insurance offers immediate assistance and peace of mind when faced with the daunting prospect of a legal dispute.
The policy is designed to provide your clients with financial support and specialist expert advice in order to ensure they are able to both protect and pursue their legal rights.
The cover focuses on some of the most common areas where advice or legal assistance is required including problems at work, problems with consumer goods, home rights, tax enquiries and personal injuries.
Family Legal Expenses Insurance provides a comprehensive added value product at competitive rates.
The policy provides a £50,000 limit of indemnity for legal fees and assistance to exercise legal rights:
- Legal Helpline
- Legal Costs & Expenses
- Clinical Negligence Cover
- Employment Disputes & Personal Injury Claims
- Home Rights (including boundary disputes)
- Home Sale/Purchase Contract Disputes
- Tax Protection
- Jury Service
- Consumer Disputes
- Criminal Prosecution Defence
- Education Appeals
- Probate Disputes
- Identity Theft
- Social Media Defamation
- Travel Disputes
- Debt Advice
HOME EMERGENCY
Our Home Emergency Solutions offer immediate help and peace of mind to homeowners and landlords, providing cover for the cost of contractors' emergency call-out and labour charges, parts and materials following a specific occurrence as detailed below.
The policy provides cover to the value of £500 for homeowner residential properties and £300 for landlord residential properties.
- Call Out Charges
- Labour (up to a maximum of 2 hours)
- Parts and Materials
- Overnight Accommodation (homeowner cover only, up to a maximum of £250)
- Breakdown of the Main Heating System (subject to terms and conditions)
- Plumbing and Drainage Problems
- Damage to or Failure of the Home’s External Locks and Windows
- Lost Keys
- Breakage or Failure of the Home’s Sole Toilet Unit
- Failure of the Internal Electricity, Gas or Water Supply
- Pest Infestation
- Damage to the Roof (subject to terms and conditions)
LANDLORD HOME EMERGENCY
A Landlord faced with problems with their let property will welcome the immediate help and peace of mind, that our Home Emergency policy will give them.
The policy provides a comprehensive range of cover, covering emergency call out fees, parts and repair costs, with a nationwide network of qualified professionals always on hand to deal with a whole host of emergency situations.
The policy provides cover to the value of £300 per claim as listed below:
- Call Out Charges
- Labour (up to a maximum of 1 hour)
- Parts and Materials
- Failure of the Primary Heating System (subject to terms and conditions)
- Plumbing and Drainage Problems
- Blocked Toilet
- Damage to or Failure of the Home’s External Locks and Windows
- Lost Keys
- Failure of the Internal Electricity, Gas or Water Supply
- Pest Infestation
COMMERCIAL LEGAL EXPENSES INSURANCE
Even in the best run businesses legal disputes can arise, often without warning, and can have a substantial cost both in terms of time and money. Businesses are faced with an increasing amount of legislation and red tape leading to an increased potential for litigation.
The costs of obtaining a solicitor to deal with the dispute or simply obtaining legal advice to prevent any difficulties on a particular matter can prove very expensive and create unbudgeted costs. Many businesses decide not to pursue their legal rights due to the potential costs involved.
Our Commercial Legal Expenses Insurance provides a comprehensive yet highly competitive priced offering for your business clients with the following features:
- Legal Helpline
- Legal Defence
- Employment Disputes
- Employment Awards
- Employee Restrictive Covenant
- Data Protection
- Contract Disputes
- TAX, VAT, PAYE & NIC Investigations
- Property Protection
- Licence Protection
- Personal Injury
- Jury Service and Attendance Expenses
- Debt Recovery
- Insolvency Fees
- Wrongful Arrest
- Motor Consumer Dispute
- Motor Personal Injury
- Motor Uninsured Loss Recovery
- Tax Helpline