Don’t let your high-performance car or a driving conviction push your premium up more than it should. We’ve analysed the specialist policies on offer through Got You Covered, which includes legal expenses as standard, to see if this broker offers the right cover for you.
Got You Covered says it can source specialist car insurance for non-standard drivers and drivers of specialist cars. The broker caters to a wide range of cars such as modified, imported and high-performance cars, and it claims to find affordable cover for newly qualified or convicted drivers. Here’s what else we think you should know.
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Who is Got You Covered?
Got You Covered is a specialist insurance broker that offers car, specialist car, van, motorbike, home and business insurance.
It caters to a range of non-standard drivers, such as young or convicted drivers as well as drivers with usually hard to cover occupations or a past record of claims. It can also arrange insurance for drivers of specialist vehicles such as prestige, modified or imported cars.
What are the levels of cover that Got You Covered offers?
- Third party. Third party cover is the minimum level of cover that is offered by Got You Covered. To be on UK roads, all drivers are legally required to have at least this level of car insurance. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. You won’t be protected for any damage to your own car. And don’t assume this is the cheapest option because it offers the least protection. Sometimes, this cover may work out more expensive than comprehensive. Check each cover level to see which offers the best value for you.
- Third party, fire and theft. You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.
- Comprehensive. This is the greatest level of cover on offer and will provide the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive cover, as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose them.
What is covered under my Got You Covered policy?
| Cover benefits | Third party | Third party, fire and theft | Comprehensive |
|---|---|---|---|
| Liability to other people | ✓ | ✓ | ✓ |
| Fire and theft | ✓ | ✓ | |
| Accidental damage | ✓ | ||
| Personal accident cover | ✓ | ✓ | ✓ |
| Legal expenses | ✓ | ✓ | ✓ |
Beyond the standard cover benefits above, any other benefits to your insurance policy will vary depending on the insurer that is able to provide the cover through Got You Covered.
Check your policy details carefully to ensure you have the right cover for your needs.
Optional extras
Got You Covered offers extras that include:
- Breakdown cover
- Enhanced personal accident cover
- Motor excess protection
- Guaranteed vehicle cover
- Key cover
General exclusions
Any cover arranged through Got You Covered is likely to become invalid if any of the following arises:
- You are paid to carry passengers.
- You fail to pay for your premium.
- Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
- Your car is used for rallies, races or competitions.
- You change your car during the policy term to a car that the insurer cannot cover.
- You do not provide the correct documents to support your application.
Check your policy for further details to confirm your cover is valid.
How to save on your car insurance policy through Got You Covered
- Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
- Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
- Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
- Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
- Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium
What is my excess?
Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.
A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.
Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.
You’ll find details about any compulsory or voluntary excesses in your policy document.
What is the claims process for Got You Covered?
You will need to call the Brokerplus claims line on 0333 241 3393 to make a claim; this is open around the clock, every day. Alternatively, use the phone number on your policy document that relates to your insurance provider.
You’ll need to have your insurance policy details as well as all facts about the incident to hand.
It’s important that you let your insurer know about an incident as soon as possible, even if it’s not your fault. A delay in reporting an incident or failure to report it could result in a rejected claim later on.