Breakdown cover options
Buy a Churchill Car Insurance policy and you’ll receive a courtesy car at no extra charge, if your car is in for repair using an approved repairer (excluding windscreen damage).
If you drive a large family car or if you only have one car in your household, you may find our Guaranteed Hire Car Plus option more suitable.
If you’re an existing customer, you may have Guaranteed Hire Car cover on your policy (this will be noted on your motor insurance schedule). This cover is no longer available for new customers.
Find out more about the different levels of cover below.
|Courtesy Car following a claim (included in your policy)||Guaranteed Hire Car (only applicable for existing customers)||Guaranteed Hire Car Plus (optional cover for an additional premium)|
|Type of claims|
|Will this cover me for…|
|damage as a result of an accident?|
|damage due to theft?|
|is stolen and not recovered?|
|is not repairable?*
(see other conditions below)
|is awaiting repair?|
|only has windscreen or glass damage?|
|Location of repairs|
|Will this cover me if...|
|I use my own choice of garage rather than one of your own approved repairers?|
|I use one of your own network of approved repairers?|
|Courtesy car provision|
|What type of car will I get?||A small hatchback or similar with an engine size of 1000cc||Small hatchback car or similar up to 1000cc||Similar physical size to your own car or van. It may not be the same as your own vehicle in terms of its type, value or status.|
|How long will I have the car for?||Only whilst your car is being repaired by one of our network of approved repairers as a result of a claim.||You can decide when to start using it after you report a claim, but the maximum time limits above apply||You can decide when to start using it after you report a claim, but the maximum time limits above apply|
|Will the car be delivered to and collected from my home address where possible?|
|Who will provide the courtesy car?||Our network of approved repairers||Hire car company||Hire car company|
|Are travel expenses available instead of a courtesy car?|
|Under what conditions?||N/A||Up to £15 a day over the 14 days following your claim whilst you carry your normal daily routines – if we are unable to find you a hire car, or your car has been professionally adapted or converted to carry a disabled driver or passenger, and a suitable hire car is not available||Up to £50 a day up to a maximum of £500 over the 21 days following your claim – if we are unable to find you a hire car, or you suffer an injury during the accident which prevents you from driving|
|Other conditions or restrictions|
|Is this option available if the insurance cover I have is not Comprehensive?|
|* Where my car is not repairable and payment is being issued to settle my claim, how long can I keep the courtesy car?||N/A||For 3 days after the first payment has been issued to settle the claim||For 3 days after the first payment has been issued to settle the claim|