FAQs - What Cover we provide?
What insurance products do you offer?
Holiday Extras offer car insurance providing the maximum amount of cover and peace of mind.
What levels of cover are there?
There are three levels of cover:
Third party – the minimum legal requirement. It covers others (third party) but not you. If you injure someone or damage their property, they're covered but if your own car is damaged or stolen, you have to pay for the loss yourself.
Third party, fire and theft cover – is as above but additionally covers you for repairs or replacement if your car is stolen or damaged by fire.
Fully comprehensive – the highest level of cover. On top of the basics of third party, fire and theft, it's the only type that covers you if you damage your own car, even if the accident was your fault.
You can claim for:
- Repairs after an accident
- Accidental damage
- Vandalism
What are classes of use?
There are three main classes of use. Social, Domestic & Pleasure and Commuting for Private Use and Business Class (1) and (2).
Social, Domestic and Pleasure
This is the most common class of use applicable to virtually all policies. Cover includes any social use of the vehicle, i.e. shopping, the school run or visiting relatives.
Social, Domestic and Pleasure including Commuting
In addition to the above, cover includes commuting to one fixed place of work (or educational establishment in the case of persons in full time education).
Business Class 1
This permits the policyholder (and/or spouse only were stated on certificate) to use the car for travel between multiple fixed places of work in addition to use for social domestic and pleasure use. Common occupations that might require such class of use would include a supply teacher, a care worker who drives to see various patients, or any person who might have to work at more than one location. Tip: This cover excludes use of the vehicle as a tool of trade.
Business Class 2
This class normally extends the cover under Class 1 (above) to any named drivers on the policy. Most insurance companies will require both the policyholder and the named driver to use the car for the same business (i.e. the insured and the named driver cannot use the vehicle in connection with different businesses) Tip: As above, this covers excludes commercial usage including delivering goods or selling products.
What are the minimum and maximum ages of drivers you will insure?
Policyholders and additional drivers must be aged between 17 and 74 on the date the policy is purchased or renewed. This is subject to the terms of your policy.
What is legal expenses cover?
Claiming on your car insurance policy is usually pretty straightforward, but your car insurance doesn't cover taking sombody to court to recuperate your costs from an accident. Legal expenses cover offers legal protection as standard which allows you to recover your uninsured losses if you are involved in an accident that is not your fault.
What is windscreen cover
Windscreen cover protects you against a broken or damaged windscreen or windows and scratching of the bodywork caused by them breaking.
If my MOT has expired, will I be covered when driving to the MOT centre?
Yes, we will provide cover to drive to a MOT test centre, or to drive from the MOT test centre to an authorised repairer, providing that the MOT/repairs were pre–booked.
I am getting a new car, but I don't have the registration number yet, what should I do?
For the purposes of a quote, you will not require a registration number. A registration number will be required to purchase a policy.
Will Holiday Extras insure a modified car?
Yes we will.
A modification is anything that has been added to your car that is nonstandard – this could be tinted windows, alloy wheels, spoilers etc. You should inform your insurer now if you think your vehicle has any modifications in order to ensure you have adequate cover.
Tip: We have a modifications list to select from when doing an online quote and you can select a maximum of 5. If you have more than 5 modifications or are not sure it's best to call us to discuss.
Do you insure hire vehicles?
Yes, but we will only accept long–term hire agreements of one year or more.
Is my trailer or caravan covered?
Your car will remain insured whilst towing either a trailer or caravan providing you are not receiving payment to do so, however the policy will not cover the replacemnt value of the trailer or caravan and will only provide third party cover should your trailer or caravan damages another vehicle. In all circumstances you will have to obtain separate cover for either trailer or caravan as this will not be covered under your existing policy.
Would Holiday Extras provide cover for an imported car?
We only provide cover for vehicles officially imported into the UK that are coded by the Association of British Insurers. If you are unsure please contact us.
Information for policyholders employed in the armed forces
Service men and women personal vehicles will still be covered while on active duty abroad, provided the vehicle remains in the UK.
Cant find what you're looking for?
Terms, conditions and limitations may apply. Please read the full Terms & Conditions for more details.
Holiday Extras Car Insurance Services is a trading name of Somerset Bridge Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 477112). Registered in England and Wales (No. 6334001). Registered office: Lysander House, Catbrain Lane, Cribbs Causeway, Bristol, BS10 7TQ.