Got You Covered car insurance

Got You Covered car insurance offer three choices of cover:

No short-term cover is offered currently by Got You Covered.

Got You Covered offered black box cover in the past but not any more.

Standard fully comprehensive features depend heavily on the policy sourced by your broker. However most Got You Covered policies should include: 

The vast majority of policies will include the cost of repair or replacement of broken windscreens or windows without the loss of your No Claim Discount. Many policies will insist the work is done by an approved repairer and you may be required to pay the first £100 of each claim.

If your car’s beyond immediate repair a courtesy car is usually provided, subject to availability. Bear in mind an approved repairer and the insurer can disagree whether a vehicle is ‘repairable’. Some insurers have the right to withdraw the courtesy car if this is the case.

Most policies supply European cover for 60 days and some extend this to 90 days as standard. In some cases there may be a claim excess to pay if the driver has held a licence for under a year, for example Zenith. This is down to you to check.

Fully comp cover gives you some standard personal belongings protection though lap-tops and mobile ‘phones aren’t included, typically. Some policies are less generous, limiting a total claimable amount to just £100 (Zenith, again).

Personal accident cover isn’t that generous on most fully comp car policies. An ERS fully comp policy from Got You Covered will pay out £7,000 in the case of accidental death. Some policies may not pay out if anyone is aged 70 or higher.

Most replacement car cover policies will be valid as long as the car is inside the first 12 months of its registered life and you’re the first registered owner. If you bought your car on a pre-reg deal you will be the vehicle’s second registered owner, not its first. 

Extra car insurance options can be a useful ‘booster’ for your peace of mind. Especially if the basic fully comp policy won’t sufficiently cover important ‘must have’s’ like breakdown cover. Let’s take a further look what Got You Covered options are on offer.

Got You Covered’s add-on legal cover – worth up to £100,000 of protection – includes a courtesy car and this courtesy vehicle is also included in the event of a non-fault accident. Depending on the policy offered, legal representation is most likely to come from the insurer’s own in-house panel, limiting your choice of representation – just so you’re aware.

Got You Covered’ breakdown cover is a higher-than-average £80 a year including home assist, European cover, punctures, battery issues, misfuelling plus vandalism and fire protection. It also includes lost or damaged keys, meaning you don’t have to pay separately for key cover. It also includes emergency overnight accommodation cover. This is normally extra on many policies. 

Depending on the policy you choose you can be covered for up to £30,000 (there’s three thresholds including £15,000 and £25,000 to choose from) if you or any of your passengers have an accident getting in or out of the car.

If you get a scratch or dent on your vehicle this policy – £58 a year – allows you to make up to three claims a year without bothering your excess, though you pay the first £50. 

If you have an accident and you need a courtesy car, you’re covered on a like-for-like vehicle basis for £45 a year. Even if the accident is your fault.