Male and female with two young children packing up red car.

Substitute vehicle cover

Your standard policy already covers you for a courtesy car (small car) while your car's being repaired by one of our nominated repairers, but you won't get one if your car's been stolen and not recovered or damaged beyond repair. You can add Substitute Vehicle cover to your policy for an extra cost.

You're covered for:

The enhanced substitute vehicle cover provides you with a hire car of an equivalent engine size to yours (up to a maximum engine size of 2000cc) if:

  • Your car's stolen and not recovered
  • It's damaged beyond repair after a fire, an attempted theft or an act of vandalism (please see full terms and conditions)
  • It's damaged beyond repair after an accident that was your fault

Your hire car will be delivered to a place of your choice after one working day. You can claim for up to 28 days, up to twice per policy period.

The policy covers you for incidents that occur in the UK.

What you're not covered for:

  • Any accident that's not your fault
  • Claims arising from a deliberate, criminal act or an omission other than vehicle theft
  • Hire costs before the insurer has confirmed they'll deal with your claim in writing

You're required to notify your insurer of the incident. Full terms and conditions can be found in our optional additional products booklet.

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Log in to MyAccount to manage your policy online. You can view and download documents at your convenience. If your policy number starts with 'XA' you can also make payments and changes to your policy online.

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