If you opt to take out M&S Premier cover, the following are included with your policy. They can also be purchased as optional extras for Standard policyholders.
- Motor Legal Protection – helps you to claim for uninsured losses after an accident that wasn’t your fault. Uninsured losses can include a claim for personal injury, loss of earnings, car hire costs, the reimbursement of your policy excess and any other out of pocket expenses you incur.
- Guaranteed replacement car – whilst your own car is being repaired after an accident.
- Replacement car if your car is written-off or stolen.
Premier insurance also insures the person (rather than the car) for breakdown cover, so if you’re not in your own car but you’re a passenger in someone else’s, it doesn’t matter, you are still covered by your breakdown insurance.
RAC Breakdown Cover is included with Premier Insurance, but it can be purchased as an optional extra if you have Standard Insurance. The benefits of Breakdown cover with the RAC are:
As long as you’re over a quarter of a mile away from home, the RAC will come out and try to fix the problem at the roadside. If it can’t be fixed, then your vehicle will be towed to the nearest repair garage, or somewhere you choose within a 10- mile radius.
Includes Roadside Assistance, but if your car can’t be mended, then you can choose a destination anywhere in the UK mainland and your car and up to 8 passengers will transported to that destination.
If your car won’t start outside your home, or it breaks down within a quarter of a mile of where you live, an RAC mechanic will come out to you and try and fix the problem. If it can’t be fixed, then your car will be towed to a garage or a storage facility within 10 miles.
Alternative accommodation, a courtesy car or alternative transport to get you and up to 8 passengers to a destination of your choice within mainland UK.
Covers you for breakdown and recovery in Europe.
Get an M&S car insurance quote today and see how much money you could save. Don’t forget they can also cover you for home, pet and travel insurance