Insurance & Breakdown

What’s covered:

• Loss of, or damage to your vehicle
• Accidental damage
• Fire or theft damage
• Repair or replacement glass
• In-car equipment permanently fitted or supplied with the car as standard
• Adaptations and modifications which are needed and which Motability were agreeable to and informed about
• Any accessories or tools supplied with the vehicle
• Replacement locks where keys have been stolen and the theft reported to the police
• Driving the vehicle for voluntary or charitable work (provided you don’t receive a fixed regular payment by the organisation)
• Travel to and from your normal workplace. Named drivers who do not live with you are not necessarily covered by these journeys.

Personal accident cover

In the event of an accident which causes death, loss of limbs and/or permanent loss of sight in one or both eyes, cover is provided up to a limit of £5,000 (per person) for the driver and any passengers.

What’s not covered

• Your excess as detailed in your agreement and insurance policy document. If your car needs to be repaired, you must pay the excess before the repair can be undertaken.
• Loss of keys
• Personal belongings, which should be covered by your own household contents insurance.
• Non-standard equipment or modifications
• Damage to the vehicle interior such as rips, stains and burns that are not caused by fair wear and tear.
• Driving other cars.
• Unauthorised and uninsured drivers – remember only the named drivers shown on your Certificate of Motor Insurance are permitted to drive your Motability cover.
• Business use other than travel to your usual workplace. Additional cover can be arranged through Motability if you need to use the car for business purposes.