Optional Extras for Car and Van Insurance

Optional Extras at a Glance

We’ve got 3 different optional extras that you can choose to add on while you buy your GoShorty temporary insurance. These are:

• Breakdown Protection Cover
• Excess Protect Cover
• Legal Protection Cover

Breakdown Protection Cover is ideal for drivers who want the peace of mind that if the car or van that they’re borrowing breaks down during their period of cover, they’ll have access to assistance to help get them on their way again. 

Excess Protect Cover helps to cover up to £500 of the excess amount on your GoShorty temporary insurance should you need to claim on the policy where that claim is over the excess amount.

Legal Protection Cover provides legal protection if you’re involved in a car accident or other legal dispute related to your insured vehicle.

Let’s look at each in more detail:

Excess Protect Cover

All GoShorty temporary insurance policies come with a compulsory excess, which is laid out alongside your quote and in your policy documents. This optional add-on allows you to cover up to £500 of this excess in the event that you make a claim.

Here’s an example of how it works.

• Let’s say your excess amount is £750, and you have an accident and put in a claim.
• The claim ends up being for £2,000 to repair the insured car.
• Usually, this would mean that the insurer would pay out the claim amount minus the excess, i.e. you’d receive £1,250.
• With this add-on in place, in the same example, the insurer would still pay out £1,250, but you’d then be able to claim £500 of the £750 excess back from this Excess Protect policy, meaning that overall, you’d be covered for £1,750 of the £2,000 claim.

Please note that this add-on will only pay out if you’ve been unable to recover your excess from a third party.

You can find lots more details about what is covered (and what isn’t) on the Excess Protect Cover Insurance Product Information Document. You should also carefully read the Policy Wording for full details of this add-on.

Legal Protection Cover

If you have an accident that is not your fault, this add-on can help to cover the cost of pursuing legal proceedings against the party at fault.

Here’s what the add-on covers:

• Subject to the terms of the policy, this add-on will cover the costs and expenses of pursuing legal proceedings against a third party with whom you (i.e. the insured person) has an accident where you are not at fault.
• These legal proceedings could relate to various things as listed in the Policy Wording, including:
  • Damage to the insured vehicle and property within it.
  • Compensation for death or bodily injury.
  • Recovery of your excess.
  • Recovery of loss of earnings.

As with all insurance products you should carefully read all of the details of what this add-on covers, and does not cover. You’ll find these within the Policy Wording, and also please carefully read Legal Protection Cover Insurance Product Information Document.

How Much Do They Cost?

GoShorty temporary insurance is already competitively priced, and we’ve worked hard to make our optional extra add-ons affordable too.

Here’s some example prices:

• One hour of Breakdown Protection Cover costs from just £1.49, and 4 days of cover would cost from £4.49.
• An hour of Excess Protect Cover starts from only £0.99, and a week of cover would be from £3.99.
• Finally, an hour’s Legal Protection Cover costs from £0.87, and for 4 weeks this would be from £1.99.

These prices are examples only, include IPT, and are correct at the time of writing in September 2024. You’ll always see our latest prices for the duration that you select when you get a quote for your temporary insurance.