Help Centre - Your Add-ons

Your Add-ons

What is excess reduction?

In the event you need to make a claim and the incident was your fault, partly your fault or the third party cannot be traced, then our Excess Reduction policy will enable you to recover most of the cost of the amount you have paid as Excess.

With this additional extra, you will receive a proportion of the full excess amount back if you have purchased the excess reduction cover when purchasing your temporary insurance policy.

The amount you will be reimbursed will be stated on your Excess Reduction Policy Schedule.


Was this FAQ helpful?
You already voted!

What is an excess?

Your excess is how much you agree to pay towards the cost of any insurance claim you make. You will need to pay this amount in order to get your vehicle repaired or replaced. There can be two parts to excess on motor insurance policies, but on temporary motor policies, you will only pay the compulsory excess. This is the amount you must pay towards the cost of a claim.


Was this FAQ helpful?
You already voted!

How much can I reduce my excess by?

The level of protection available depends upon the level of policy excess on your Motor Policy. We will present a level that gets you as close as possible to £100 but never below that level.


Was this FAQ helpful?
You already voted!

What claims are eligible for excess reduction?

Excess reduction is applicable to claims made against your Tempcover insurance policy as a result of:

  • Fire
  • Theft or attempted theft
  • Flood or Vandalism
  • An accident that was your fault

For more information, please review the Insurance Product Information Document here.

What claims are not eligible for excess reduction?

Excess reduction is not applicable to Tempcover insurance policy claims made as a result of:

  • theft, attempted theft, malicious damage and/or vandalism to your vehicle that has not been reported to the police and a valid crime reference number obtained;
  • claims exceeding the aggregate limit shown in your Policy schedule in any one period of insurance;
  • any excess which applies solely in respect of windscreen or glass damage claims;
  • any excess payable on warranty policies;
  • any excess solely in respect of alloy wheels and tyres;
  • any excess payable in respect of theft or attempted theft of personal effects;
  • The first amount of your excess as specified in your Policy Schedule;
  • Any claim that arises as a result of a deliberate action by you or anybody associated with you.

 


Was this FAQ helpful?
You already voted!

How can I purchase excess reduction cover?

If excess reduction is available, it will be offered to you at the time you are presented with your quote for short term insurance.

Currently, excess reduction is only available to purchase alongside our standard car, van and motorbike policies from 1 hour to 28 days in duration.


Was this FAQ helpful?
You already voted!

How do I make a claim for excess reduction?

Claims must be reported as soon as reasonably possible and no later than 30 days from the date you have paid the excess under your motor insurance policy.

To claim your excess reduction reimbursement, you must provide evidence that you have paid the excess on your Tempcover insurance policy, or had the amount deducted from your settlement and submit this to Coplus who manage all claims on our behalf.

You can contact Coplus by phone: 0333 241 3392 or via email: [email protected] 

Make sure you quote ‘Motor Excess Reduction Protect’ in all communications with Coplus.

Once proof of payment has been received, they will send you up to the full amount of cover under this policy as stated in your Excess Reduction Policy Schedule.

For more information on the claims process, visit our claims page here.


Was this FAQ helpful?
You already voted!

How soon after the incident should I make my claim?

Claims must be reported as soon as reasonably possible and no later than 30 days from the date you have paid the excess under your Tempcover insurance policy.

Any claim involving theft or attempted theft, malicious damage and/or vandalism must be reported to the police and a valid crime reference obtained.


Was this FAQ helpful?
You already voted!

Can I cancel my excess reduction policy?

You may cancel your excess reduction policy before the policy commences by contacting us at [email protected]. Providing the policy has not yet started, we will then refund the premium back to the original payment card.

If the policy has already started when you contact us, you may cancel it, provided no claims have been made or are pending. However, no refund of premium will be payable in line with our terms and conditions of cover. For more information, please read our Refund Policy.

 


Was this FAQ helpful?
You already voted!

What does breakdown cover insure me for?

Our breakdown cover gives you peace of mind that you’ll be able to get help if you break down…

  • At the roadside: For customers who need assistance ¼ mile or more away from their home address as detailed in the Motor Insurance Policy and recovery to a local repairer.
  • At Home: For customers who need assistance in the event they breakdown at their home address as detailed on the Motor Insurance Policy and recovery to a local repairer.
  • For National Recovery: For Customers who if we are unable to repair the vehicle, need their vehicle to be recovered to a single destination of their choice.

For more information as to what is and isn’t covered under the breakdown cover please review the Insurance Product Information Document here.


Was this FAQ helpful?
You already voted!

What vehicles are covered under breakdown cover?

You can purchase breakdown cover for private cars, commercial vehicles, and motorbikes.

Please note that for commercial vehicles there is a maximum vehicle weight of 3.5 tonnes and a maximum vehicle width no wider than 2.55m.

Assistance will be provided for a caravan or trailer which was being towed at the time of the breakdown, providing it also falls within the above limits.


Was this FAQ helpful?
You already voted!

Who should I contact if I breakdown?

Our dedicated breakdown team are here to help you 24 hours a day, 365 days a year. If you have broken down and require assistance, please call the AA on 0330 159 1962 and be ready to provide the vehicle registration number.

It is important that you contact the AA when you break down. If you contact a garage direct you will have to settle the bill and the AA will not be obliged to reimburse you.

For more information on the claims process, visit our claims page here.


Was this FAQ helpful?
You already voted!

What should I do if I breakdown?

If your car has broken down, here’s what to do to stay safe before you call the AA and while they are on their way to you.

  1. Make sure you are in a safe place. Move your vehicle off the road if possible or pull up onto the hard shoulder if you are on the motorway.
  1. Stay well away from moving traffic – it is usually safest to get out of your car (using the doors facing away from passing traffic) and wait behind a barrier.
  1. Put your hazard warning lights on and wear a reflective jacket if you have one.
  1. Once you are safe, give us a call on 0800 420 420 and we will come and rescue you.

Was this FAQ helpful?
You already voted!

Where am I covered for breakdown cover?

For breakdown assistance at your home address, or at the roadside in England, Wales, Mainland Scotland and Northern Ireland only.

Breakdown cover is not available for travel outside of England, Wales, Mainland Scotland & Northern Ireland.

 


Was this FAQ helpful?
You already voted!

How can I purchase breakdown cover?

If breakdown cover is available, it will be offered to you at the time you are presented with your quote for short term insurance.

Currently, breakdown cover is only available to purchase alongside our standard car, van, and motorbike policies from 1 hour to 28 days in duration.

PLEASE NOTE: You cannot add breakdown cover to your policy after it has been purchased.


Was this FAQ helpful?
You already voted!

How soon can I use my cover?

Providing your policy has started there is no limit to how soon you can use your breakdown cover policy.


Was this FAQ helpful?
You already voted!

Can I change the vehicle insured on my breakdown cover policy?

No. In line with our terms and conditions of cover, once a policy has been purchased it is not possible to make any changes or additions to the policy and the same applies to breakdown cover.


Was this FAQ helpful?
You already voted!

Can I cancel my breakdown cover policy?

You may cancel your breakdown cover before the policy commences by contacting us at [email protected]

Providing the policy has not yet started, we will then refund the premium back to the original payment card.

If the policy has already started when you contact us, you may cancel it, provided no claims have been made or are pending. However, no refund of premium will be payable in line with our terms and conditions of cover.


Was this FAQ helpful?
You already voted!

What is legal expenses insurance?

Legal expenses insurance provides cover for up to £100,000 for legal costs that may occur if you’re involved in an incident that wasn’t your fault.

With this insurance, you can get up to £100,000 to help pay for the recovery of any uninsured losses that may happen following an accident, for example:

  • Loss of earnings
  • Travel expenses
  • Damage to personal effects
  • Seek compensation for any injuries you or your passengers may have received
  • Towing and storage
  • Recovery of out-of-pocket expenses from any negligent third party

Was this FAQ helpful?
You already voted!

What does legal expenses insurance cover?

If you purchase legal expenses insurance, you are covered for up £100,000 in legal costs to recover losses following a road traffic collision where someone else is responsible in the UK or Europe.


Was this FAQ helpful?
You already voted!

How can I buy legal expenses insurance?

If legal expenses insurance is available, it will be offered to you as an extra to you your short-term policy after you receive your short-term insurance quote.

Currently, legal expenses insurance is available to purchase alongside our standard car, van, courier, and motorbike policies from 1 hour to 28 days in duration.


Was this FAQ helpful?
You already voted!

Are there any restrictions on cover?

This policy is only available to purchase from Tempcover alongside a short-term insurance policy.

Cover is only available from the start time and date of the short-term insurance policy you purchase alongside this cover until the end date of the short-term insurance policy.

You are covered within England, Scotland, Wales, Northern Ireland, Channel Islands, the Isle of Man, European Economic Area (EEA), and the European Union.

You will not be insured for claims that are your fault, have less than a 51% chance of success, any costs not approved by the underwriter in writing, or claims for stress, emotional or psychological injury unless you have also suffered a physical injury.


Was this FAQ helpful?
You already voted!

What are my obligations for legal expenses

As part of your cover, you are obliged to:

  • Let the claims team know as soon as you are aware you need to claim
  • Always keep any losses you incur to a minimum
  • Co-operate and follow requests from the claims team if you make a claim and comply with the full terms and conditions

Was this FAQ helpful?
You already voted!

How do I make a claim for legal expenses insurance?

Claims must be reported as soon as reasonably possible.

To make a claim on your legal expenses insurance, you must contact Coplus who manage all claims on our behalf.

You can contact Coplus by phone: 0333 241 3392 or via email: [email protected]

Make sure you quote ‘legal expenses insurance’ in all communications with Coplus.


Was this FAQ helpful?
You already voted!

Can I cancel my legal expenses insurance?

You may cancel your legal expenses insurance before the policy commences by contacting us at [email protected] Providing the policy has not yet started, we will then refund the premium back to the original payment card.

If the policy has already started when you contact us, you may cancel it, provided no claims have been made or are pending. However, no refund of premium will be payable in line with our terms and conditions of cover.


Was this FAQ helpful?
You already voted!

The cover you need for the duration you want

Full cover, no impact

Get fully comprehensive cover on our standard short term policies - plus it won't affect your no claims discount

Hourly, daily, weekly

Choose the duration you want with 1-12 hour and 1-28 day cover available - don't pay for cover you don't need

All customised, nothing added

Customise your policy to suit your specific situation - get the policy you want and even choose the minute you want your policy to begin

Cookie notice

We use essential cookies to make our website work. We'd also like to use non-essential cookies to help us improve our website by collecting and analysing information on how you use our website and for advertising purposes.

You can agree to accept all cookies by clicking 'Accept all cookies' or you can change your preferences by clicking 'Manage Cookies' below. For more information about the cookies we use, see our cookies policy

< Back

Cookie policy

< Back

Manage cookies

We use essential cookies which are necessary to ensure our website works correctly.

We'd like to set non-essential analytics and marketing cookies that help us provide a better experience to our users. These help us improve our website and marketing by collecting and reporting information on the campaigns and web pages you interact with. It also helps us to target our marketing campaigns to people who are most likely to be interested in our services.

We'd also like to set a non-essential cookie which enables us to playback your journey on our website to assist with troubleshooting and to help us improve our website based on the behaviour of our customers.