The Car Insurance Extras Worth Having

Breakdown cover? No claims bonus protection? Car key cover?

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By Cai Bradley

Updated on Tuesday 14 January 2020

Woman phoning someone after car broken down

As we head into 2020, the cost of car insurance is high enough as it is, which means many people often avoid purchasing any optional extras – but there are some add-ons available in the UK that may be worth considering. With so many options available, it can be difficult to get your head around which ones are useful and which are really not much cop, which is why we’re here to help you!

From breakdown cover to no claims bonus protection, Compare UK Quotes evaluates a range of optional car insurance extras worth having, and some that might not be as beneficial to you. 

What car insurance extras do I need?

Car insurance providers offer a wide selection of optional add-ons to accompany your basic cover, but which ones are actually worth taking into consideration?

Some of the most common car insurance extras that could be worth having include breakdown cover, personal accident cover, courtesy car insurance, car key insurance, windscreen cover, no claims bonus protection, and contents insurance.

Is breakdown cover worth having?

Breakdown cover protects you against the costs that arise as a result of your car breaking down and is one of the most common types of car insurance extras that policyholders opt for.

There are different levels of breakdown insurance, with the most basic covering the cost of roadside callouts and repairs, as well as the cost of being towed to the nearest garage.

The more comprehensive breakdown insurance policies – which are understandably more expensive – typically also cover the cost of accommodation and travel expenses if you are ever unfortunate enough to breakdown far from home.

If you commute often or drive an older vehicle with a higher risk of breaking down, breakdown cover could be a car insurance extra worth having.

Is personal accident insurance worth it?

What does personal accident insurance cover? As an add-on, personal accident insurance provides additional financial cover for you and any other named driver should you be involved in a car accident.

Most comprehensive car insurance policies will include a certain level of personal accident protection – usually up to £5,000 – but with a separate add-on, you could increase your cover to a maximum pay out of up to £50,000.

Personal accident cover extras act as useful safety nets if ever you are involved in a car accident, so it’s certainly something worth talking to your provider about.

Do I need personal injury on my car insurance? Possibly – it depends largely on the type of cover you currently have and the level of protection you require. Many fully comprehensive car insurance policies will include a level of personal injury cover, but it’s possible that it will only cover you up to a certain amount.

FREE motor legal protection

While it isn’t a necessity or legal requirement, having a good motor legal protection insurance add-on can help you out financially if ever you need to make a car accident claim.

This type of cover usually costs around £30 per vehicle per year, but you can get it for FREE thanks to Bobatoo! All you have to do is complete a short contact form, following which you will receive all the relevant documents in an email.

If you are ever involved in an accident, you simply call their helpline (found within the documentation you will be sent) and their specialist partners will help you through the process from there.

But what exactly is motor legal protection and how does it work?

Even if you have fully comprehensive car insurance, your provider may not cover all expenses, including:

  • Car insurance excess
  • Lost earnings
  • Lost possessions
  • Personal injury claims

Motor legal cover – also referred to as legal expenses cover – is essentially designed to help you recover any uninsured losses following an accident and could save you thousands of pounds in the long-run.

Get your free motor legal protection today with Bobatoo!

Courtesy car cover – how do you get a courtesy car?

By purchasing a courtesy car cover add-on, you get a temporary replacement car if ever yours should be damaged in an accident and need repairing. You usually get the courtesy car while your vehicle is being repaired at a garage, but most policies require the garage itself to be approved by the provider.

The terms and conditions that come with your courtesy car cover can differ with each policy, so remember to talk through the details of your insurance with your provider before purchasing it.

Is car key cover worth including?

Are you always losing your car keys? Well, with ‘keycare cover’ from Admiral, you can protect yourself against the cost of replacing lost, stolen or damaged car keys, as well as any keys you use to enter private property (your garage, for example) and your house keys.

What’s more, the cost of replacing damaged locks will also be covered, and you are provided with 24/7 access to specialist locksmiths all across the UK, meaning that you will never face the panic of being locked out of your own car again.

As long as the premiums you’re required to pay make financial sense to you, this type of cover is certainly a car insurance extra worth having, especially those with a tendency to lose their keys! After all, your car is no use to you without its keys, so it’s important that you keep them safe, secure, and insured.  

What is windscreen cover?

Windscreen cover is a car insurance extra that does what it says on the tin – protects against the cost of a damaged windscreen, which can sometimes be excluded from basic policies.

It is understandable that many drivers are wary of windscreen cover as an add-on because it’s something that is included as standard in many comprehensive policies, but there is a genuine case for it being purchased as an optional extra.

Although you’re able to claim for windscreen damage on your basic insurance, it is not always advisable because you would be required to pay the full excess amount and your no claims discount would be lost or reduced.

Unlike the cover you get with your fully comprehensive car insurance policy, windscreen cover purchased as an add-on allows you to claim without paying the full excess amount, and your no claims bonus (NCB) will not be affected at all – meaning that you will be able to get cheaper car insurance premiums in the future.

No claims bonus protection - Is it worth protecting my NCB?

Each year you do not make a claim on your car insurance, you are building a no claims discount, which essentially reduces the cost of your car insurance premiums on a yearly basis.

Read More: No Claims Bonus Explained

But when you claim on that insurance, whether it was your fault or not, your NCB is either reduced or lost completely.

With a no claims bonus protection add-on to your standard car insurance policy, you are able to cover your NCB. You pay a small premium each year and if you ever need to claim on your car insurance, you will not lose your no claims discount. If you have built a few years’ NCB and ever need to make a claim, it’ll certainly be an additional policy worth having.

Contents insurance – are my belongings protected by regular cover?

Your standard car insurance policy will usually provide you with a small level of cover when it comes to your personal possessions, but most people require an add-on if they want to protect against the theft or damage of any expensive items – such as laptops or tablets – that may be left in their vehicle from time to time.

There are add-on policies out there that protect your belongings – similarly to the way that personal possessions cover does – but be sure to make yourself aware the cover’s conditions before you agree to it.

Why? Because contents insurance add-ons typically come with exceptions and certain conditions – for example, most personal possessions policies won’t pay out if the item has been left in clear view.

There’s no doubt that adding contents cover will add to the cost of your car insurance quite significantly, so be sure to consider your options carefully before signing on the dotted line.

Car insurance advice from Compare UK Quotes

In summary, the car insurance extras worth having include breakdown cover, no claims bonus protection, courtesy car cover, and windscreen insurance. However, the optional extras that you choose to include within your car insurance policy depend entirely on your personal needs and differs with each individual.

Those that are prone to losing their keys may opt for car key cover, while those who drive an older, less reliable car may find that breakdown cover is the most suitable add-on for them.

Another important add-on is car insurance legal cover, which you might find useful to add to your insurance package. Read our guide on motor legal protection here for more information.

We understand that the cost of car insurance in the UK is a burden that all drivers have to deal with, which is why we do all we can to help you lower your premiums. Whether it’s tweaking your job title or using a dash cam, you’re bound to find new and innovative ways of reducing the cost of your cover here.

For more information on car insurance, or saving money on car costs, check out our range of articles right here at Compare UK Quotes.

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