Review of Norwich Union Breakdown Cover

Key Features of Norwich Union Breakdown Cover

• Norwich Union is owned by Aviva who also own The RAC .

• Breakdown cover is tailored to your needs – hence you get to select what you want.

• 30% No call out discount for vehicles less than 12 years old

• Breakdown policy cover for cars, motorbikes and for vans (size & weight restrictions apply)

• Average breakdown response time less than an hour – which is very good.

Advantages of Norwich Union Breakdown Cover.

• 80 % of vehicles fixed at the roadside –meaning you get the mobility instantly

• Monthly installment option at no extra cost (payable in 4 equal installments over the first 4 months of cover).

• Affiliated with the RAC.

• Well known company name.

• Allows you to get all your insurance products from one supplier .

Disadvantages of Norwich Union Breakdown Cover.

• Cover is vehicle based, so if you want personal cover you have to pay extra.

• Can work out expensive if you have the wrong type of car or if it's over a certain age .

Our review of Norwich Union Cover.

The Norwich Union is a more recent entry into the breakdown services sector, however, with it's strong links to the RAC it's service and it's products are very similar. Because of the way The Norwich Union calculate premiums, cover for some cars can prove to be cheaper.

Other user reviews about Norwich Union:

Advantages Competitive quotes, Good deals for young drivers, Additional cover

Disadvantages Poor customer service, Zero representation, Long On hold times

Link to Previous article :FAQ about Norwich Union Breakdown Cover

FAQ about Norwich Union Breakdown Cover

Your questions & Our answers

1. For what type of vehicles can I take out Norwich Union Rescue breakdown insurance?

Norwich Union Rescue is available when you are travelling in a car, van, or on a motorcycle, which complies with the following restrictions:
• Maximum vehicle Norwich Unionight -3,500kg
• Maximum vehicle length (vehicles other than cars) - 5.5 metres
• Maximum vehicle width -2.3 metres
NB - Motorcycles cannot be covered as the sole vehicle under vehicle based breakdown cover. Cover is only available as a secondary vehicle under the "personal cover" options

2. Do I need Norwich Union Insurance cover to take out Norwich Union Rescue breakdown insurance?

No - Norwich Union Rescue is available on its own.

3. Can I be covered when getting a lift in other people's vehicles?

Yes, if you select personal cover you can use your Norwich Union Rescue when getting a lift, you can also cover another member of your household if you select Joint personal cover.

4. Can I add European breakdown cover to my Norwich Union Rescue policy?

Yes, you can add European breakdown cover to any of the Norwich Union Rescue options.

5. Can I cover my caravan for breakdown?

Provided it is attached to your vehicle when you breakdown, Norwich Union Rescue can also recover your caravan. There are certain restrictions that apply.

6. Am I covered if I have an accident?

Towing following an accident, fire, theft or act of vandalism or other incident is normally covered by your motor insurance. If you have comprehensive motor insurance with Norwich Union Norwich Union can arrange this for you, if you have Third party fire and theft cover Norwich Union can arrange this but you may be charged for this service.
If your motor insurance is not with Norwich Union you will be liable to pay us the costs of removal. (Subject to the terms of your motor insurance policy, you may be able to reclaim these costs through your motor insurance)

7. How quickly do you come and get me if I break down?

If you find yourself in a vulnerable situation Norwich Union will prioritise your request for help. Norwich Union can also stay on the phone and call the police if necessary. Our average response time is under an hour.

8. How does the special medical assistance work?

Special medical assistance is included if you select Onward Travel for your UK breakdown insurance cover. If you or one of your passengers is taken into hospital more than 20 miles from home Norwich Union arrange and pay for overnight accommodation, and arrange for an ambulance to take the patient to a local hospital near their home.

9. Is it safe to use my credit/debit card on your site?

Norwich Union Rescue appreciates the importance of protecting our clients' personal information from possible security risks, and therefore all of your personal information you enter into our quote form is protected using SSL encryption technology, which works with your Internet browser to protect the data.
For a number of credit and debit cards Norwich Union require a Card Security code (also known as CVV2 or Card Verification Value) which is a three digit number on the signature strip of your card. You may also, depending on the card you have chosen to use, be asked during the payment process to provide a secure password (MasterCard SecureCode or Verified by Visa) which provides extra protection from online fraud.

10. Can I get instant breakdown cover with Norwich Union Rescue?

If you pay by either a Credit or Debit card online, Norwich Union Rescue can provide you with instant breakdown cover.

11. Can I pay monthly with Norwich Union Rescue?

Norwich Union have a unique premium payment option, so you can split out your payments evenly across the first four months of your breakdown cover period. These monthly premiums are interest free.

If you can't find the answer you are looking for please call us on 0800 096 4704 and Norwich Union will be happy to help you with any Breakdown insurance questions you may have. (lines available Mon-Fri 8am-10pm, Sat 8am-6pm, Sun 10am-4pm)

Link to Previous article :Norwich Union Breakdown Cover

Norwich Union Breakdown Cover

Breakdown cover overview

Unlike some other breakdown service providers, Norwich Union does not charge a flat rate. Norwich Union takes into account your unique set of circumstances and calculate a premium according to who you are.
This way, you will only pay for the service which you are likely to need. Norwich Union also provide a range of roadside assistance

Our breakdown cover is competitively priced. The following table shows a comparison against other providers:


Provider: ---- Prices
Green Flag Recovery Plus ---- £89
Direct Line Recovery Plus ---- £101
Norwich Union Direct Rescue/recovery/at home and onward travel ---- £54

Prices based on a 27 year old male living in Colwyn Bay driving a 2000 Ford Fiesta 1.3i. Prices correct as at 8th August 2005, source www.directline.com and www.greenflag.co.uk Norwich Union Rescue price is based on named vehicle breakdown cover - personal cover options are available on request.

Benefits of Norwich Union Rescue breakdown cover

• 80% of vehicles fixed at the roadside

• Priority response if you're in a vulnerable situation

• You build the breakdown insurance product you choose

• 30% "No call out" discount for vehicles less than 12 years old

• Interest-free monthly payment option

• Receive the latest travel news direct to your mobile phone with our travel line 1745 service.

* If you have not utilised a breakdown service in the past 12 months.

Breakdown cover from Norwich Union

For further information on our breakdown insurance cover, additional options and policy benefits:

• Cover options

• Summary of cover

• Additional cover information

If you can't find the answer you are looking for please call us on 0800 096 4704 and Norwich Union will be happy to help you with any Breakdown insurance questions you may have. (lines available Mon-Fri 8am-10pm, Sat 8am-6pm, Sun 10am-4pm)

Link to Previous article :Norwich Union Car Insurance FAQ

Norwich Union Car Insurance FAQ

Please read our FAQ section to find answers to the most common car insurance and motor insurance related questions.

Your questions & Our answers

– FAQ about Norwich Union Car Insurance

1. Why can't I find my car's make & model by its registration number?
If you find your vehicle's registration number doesn't return your vehicle's details on our quote form, you can also enter the vehicle's year of manufacture, make and model to assist your search. If you are still unable to find your vehicle's details, please contact Norwich Union team on 0800 092 9561 who will be happy to help you.

2. What is an excess?
An excess is a contributory amount you pay, when making a claim, hoNorwich Unionver if the claim is deemed not to be your fault, it may be possible to recover your excess from the party deemed to be at fault.

3. If I've been named on another policy, am I entitled to any no claims discount?
Norwich Union Direct like most insurers, will only reward the actual policy holder with no claims discount.
HoNorwich Unionver, if you have been claims free Norwich Union may be able to give some type of introductory discount. Young drivers may also receive a discount if they have completed the Pass Plus course and are an existing Rapid Bonus policy holder.

4. What happens if I have an accident?
Depending on your car cover, Norwich Union can arrange for your vehicle to be recovered and you and your passengers taken home or to your destination safely.

5. What if I am making a claim?
You should contact our freephone 24-hour claims service on - 0800 222400, where an incident manager will record details of the incident and will start sorting out your problem immediately. There are no forms to fill in, and the incident manager will confirm: - Whether your policy covers you for the incident; - What you will have to pay; and - All the steps involved in your claim being settled

6. How do I get about whilst my car is being repaired?
If you have opted for courtesy car cover, a courtesy car is provided by our approved repairers, and is available for the duration of any repairs to your vehicle. If a car is stolen or a total loss, Norwich Union will guarantee a hire car until an offer is made to settle the claim- subject to a maximum of 14 days.

7. What is legal cover?
Our legal cover provides legal advice via a 24 hour, 365 days a year helpline. Legal cover provides assistance to recover uninsured losses (such as excess), medical losses or loss of earnings. Norwich Union will provide up to £50,000 for legal costs to pursue a case, and up to £10,000 worth of cover to defend against any motoring prosecutions (N.B. excluding drink/drug-related offences).

8. Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union, to the minimum level of insurance required (Usually third party only).
If you require a higher level of cover Norwich Union can offer you Foreign Use additional cover.
9. What is protected No claims Discount?
With Norwich Union Direct, clients can protect their no claims discount for up two at fault claims in any 5-year period. This means that if your car is stolen, or you have no other party to claim against, you wont have to lose your no claims discount as Norwich Unionll. Clients must have at least 4 years no claims discount and be over 21 years old in order to be eligible.

10. Do I need to provide proof of my no claims discount?
Norwich Union may ask you to provide proof of your NCD at any stage during the period of insurance. This could take the form of a renewal notice from your previous insurance company, or a letter on headed paper from that company.

11. Do I need business use to drive to work?
No, under our insurance policy you can drive your vehicle back and forth to the same place of work using social, domestic and commuting purposes. Norwich Union can hoNorwich Unionver increase your cover if you need to use your vehicle to visit any other sites of business during the working day; Norwich Union will not hoNorwich Unionver cover any goods or samples carried in connection with business use.

12. Is it safe to use my credit/debit card on your site?
Norwich Union Direct appreciates the importance of protecting our client's personal information from possible security risks, and therefore all of your personal information you enter into our quote form is protected using SSL encryption technology, which works with your Internet browser to protect the data.
For a number of credit and debit cards Norwich Union require a Card Security code (also known as CVV2 or Card Verification Value) which is a three digit number on the signature strip of your card. You may also, depending on the card you have chosen to use, be asked during the payment process to provide a secure password (MasterCard SecureCode or Verified by Visa) which provides extra protection from online fraud.

13. Can I get instant cover with Norwich Union Direct?
If you pay by either a Credit or Debit card online, Norwich Union Direct can provide you with instant cover.

14. Can I pay monthly with Norwich Union Direct?
Yes you can, our usual terms and conditions will apply.

If you can't find the answer you are looking for please call us on 0800 092 9564 and Norwich Union will be happy to help you with any motor insurance questions you may have.

Norwich Union Rapid Bonus Car Insurance Policy

Rapid Bonus

Norwich Union understands that young drivers taking out car insurance want to be able to build up no claims discount quickly. Our Rapid bonus comprehensive car insurance policy allows young drivers to do this.

What is Rapid Bonus?

Rapid Bonus is a specific young driver car insurance policy. It allows young drivers to build up their No Claims Discount quickly - hence develop lower future motor insurance premiums. Young drivers can also benefit from an additional discount if they complete 'Pass Plus'.
Rapid Bonus policies run for 9 months instead of 12 which means that if you don't claim, you get the equivalent of 1 year's No Claims Discount* in just 9 months, provided you renew your policy with Norwich Union.
This also means that in a 5 year period you could gain full No Claim Discount 15 months earlier. Based on a customer who starts with nil No Claims Discount (NCD).
* Norwich Union cannot guarantee that other insurers will accept the NCD proof.

Who qualifies for Rapid Bonus?

Young drivers that qualify are:

• Aged between 17-29

• Have no claims, accidents or convictions

• Have less than 4 years No Claim Discount

• Drive a ‘Group 15’ car or less

• Requiring a Comprehensive car insurance policy

What is covered?

This covers the basic module of Norwich Union Direct's car policy, our comprehensive car insurance cover.



All examples are based on customers who do not have any NCD-entitlement when they take out their policy and who remain claim-free for the life of their policy.

How do I obtain a Rapid Bonus Quote?

Please call 0800 092 9564 and ask for a Rapid Bonus quote. Unfortunately Norwich Union cannot offer a Rapid Bonus quote online at present.

Link to previous article Car Insurance from Norwich Union

Car Insurance from Norwich Union

Find out what our car insurance covers:
• Third party fire and theft cover
• Additional car cover options
• Young drivers car insurance available through our Rapid Bonus plan
• Classic car insurance
• Grey import car insurance
If you can't find the answer you are looking for please call us on 0800 092 9564 and Norwich Union will be happy to help you with any motor insurance questions you may have.

Third party, fire and theft car insurance cover

New customer?

Third party, fire and theft cover is provided by Premium Search (not Norwich Union Direct), who will search a panel of up to 22 leading insurers on your behalf to find you the best quote.

Get a Third Party, Fire & Theft Car Insurance

Third Party, Fire & Theft car insurance is introduced by Norwich Union Insurance Services Limited (Registered Office: St Helens, 1 Undershaft, London, EC3P 3DQ) to Premium Search, a trading name used under licence by BDML Connect Limited.

Existing customer?

If your policy number starts with either MOT/ PGM/ HPI / CVM / CHM / BSN and you require further information please call Norwich Union Direct on 0800 092 9564 and Norwich Union will be happy to help you.
Alternatively, if your policy number starts with 'NUPS' and you require assistance or would like to access the policy wording, please call Premium Search on 0870 2420048, and one of the dedicated team will be happy to help you.

Norwich Union Rescue Vehicle Cover

New! - Breakdown cover can now be included as part your Norwich Union Direct car insurance quote.

Benefits of Norwich Union Rescue Vehicle Cover

• £5 online discount is included if you select breakdown cover as part of your car quote
• 80% of vehicles can be fixed at the roadside
• Our policy is rated according to your personal details so you only pay for the cover you need
• Priority is given to customers who break down in a vulnerable situation
Unlike some other breakdown providers, Norwich Union don't charge a flat rate so you only pay for the service you need. Norwich Union provide a range of options that vary in cost, and cover starts from just £22.

Legal services

Our Legal services additional cover option can be taken out with either our comprehensive or our third party fire and theft car insurance plans.

What is covered

• Norwich Union'll cover you for up to £10,000 in legal costs to defend a motoring prosecution following an accident (though not drink or drug related offences).

• And Norwich Union'll cover you for up to £50,000 in legal costs for you, your passengers or an authorised driver, to pursue your case after a motor accident.

• Norwich Union also provide a 24-hour legal helpline, which gives you free confidential legal advice from an expert, so all you pay for is the phone call.

• Legal assistance is also available to recover any uninsured losses, such as your policy excess, medical fees or damages for injury after a motor accident.

Courtesy car

Our courtesy car options can be taken out with both comprehensive and third party fire and theft covers.
Two groups of courtesy car cover are available for a small additional charge:
Standard Courtesy Car Cover
Designed to keep you mobile during the period of your claim, this option will cater for most customer needs. A standard courtesy car is a small, 3 door, 1 litre hatchback.

Enhanced Courtesy Car Cover

Norwich Union recognise that not all people needs are the same, and as a result Norwich Union offer a larger courtesy car. An enhanced courtesy car is a 5 door car with a 1.6 litre engine and room to seat 5 people.
This option is best suited to customers who already have a larger car and use it for situations like, the school run, have small children and need room for a pram, or use their car for business which may involve a lot of motorway driving.
Both options provide a courtesy car for the duration of repairs or in the case of theft and total loss, either up to a maximum of 14 days or until the claim is settled, whichever is sooner.
To receive the courtesy car you must use one of our approved repairers.

Physio Fast

Physio Fast is a comprehensive physiotherapy cover to help you recover if you've been involved in a car accident.
Approximately 80% of all personal injury claims involve 'soft tissue' or 'whiplash' injuries and medical research strongly suggests early diagnosis and treatment significantly increase your chances of making a full and speedy recovery.
For just £15 a year you can add Physio Fast to your comprehensive motor insurance policy. This unique cover gives you:
• Speedy referral to a fully qualified chartered physiotherapist in your area
• An initial consultation to determine the suitability and level of treatment required
• Up to 8 treatment sessions
• Full report will be sent to your GP on completion of your treatment.
At just £15 per year, this cover represents fantastic value for money
What is covered
• Physiotherapy treatment from a Norwich Union appointed Chartered Physiotherapist who is of the opinion that treatment will help your recovery. The most Norwich Union pay for each injured person is £400.
• Fast track applications - you are contacted normally within 48 hours of your request.
• You are covered even if the accident was your fault, there's no impact on NCD (claims including your vehicle still affect your NCD), and your passengers also benefit from this fast track service.
What is not covered
• Physiotherapy will end once the Physiotherapist considers additional treatments will provide no further assistance to your recovery, or the limit (above) has been reached, whichever is sooner.

European Breakdown

Our European protection option is European breakdown cover that can be taken out with our Comprehensive or Third party fire and theft car insurance policy.
• Just call 0800-092-9561 for an immediate quote

What is covered

• Hire car for up to 14 days following a claim
• And there's a rescue and recovery service in the UK, while you're travelling to and from the port
• Vehicle repatriation will ensure that you vehicle is recovered back to your home.

Travel abroad

What is covered
• Your policy will automatically provide the minimum cover required to travel in most European countries.
• This can be upgraded for an additional annual premium of £26.25 to give you the same cover as you have in the UK for travel within the following countries:
Andorra, Austria, Belgium, Czech Republic, Denmark (inc Faroe Islands), Finland, France (inc Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Republic of Ireland, Italy, Liechtenstein, Luxembourg, Netherlands, Norway, Portugal, San Marino, Slovakia, Spain, SNorwich Unionden, Switzerland, Vatican City.
If the country you wish to travel in does not appear in the list above, please call 0800 092 9564 and one of our advisors will help you.
• For greater protection and peace of mind, why not add our European Breakdown Protection.
• Please be aware that Legal cover and Courtesy Car cover will only extend for use in Europe if European Breakdown Protection is also purchased

If you can't find the answer you are looking for please call us on 0800 092 9564 and Norwich Union will be happy to help you with any motor insurance questions you may have.

Link to Previous article : Norwich Union Cover options & additional information

Norwich Union Cover options & additional information

Cover options & additional information

To provide you with the flexible car insurance cover you want, Norwich Union offers a number of optional extras you can add to the policy of your choice, in addition to our standard comprehensive and third party fire and theft car insurance plans.

Our standard plans:

• Comprehensive cover

• Third party fire and theft cover

Additional cover options:

• Norwich Union Direct Breakdown Cover

• Legal services

• Courtesy Car

• Physio Fast

• European breakdown

• Travel abroad

Save up to 10% on comprehensive car insurance online now

Whether you are a young driver, a classic car owner or simply looking for an online car insurance quote, Norwich Union can help.

Norwich Union offer comprehensive and third party fire and theft car insurance quotes online. Norwich Union also offer additional cover options which allow you to upgrade your car cover.

Classic car owners can get an indication of their classic car insurance premium online and can insure their cars through us by calling 0845 300 0327.

Norwich Union also offer young driver car insurance through our Rapid Bonus policies.

Norwich Union Comprehensive Car Insurance cover

Comprehensive car insurance cover

From satellite navigation to windscreens, accidental damage to third party liability, comprehensive car insurance from Norwich Union has what you need from a car insurance company.
Additional car cover is also available to ensure all your motor insurance needs are met.

What is covered?

• Loss of, theft or damage to your car
• Accident recovery
• New car replacement
• Liability to third parties
• Injury to you or your partner
• Medical expenses
• Emergency medical treatment
• Personal belongings
• No claim discount
• Glass in windscreens, sunroofs and windows
• Replacement locks
• Suspending cover
• Foreign Use

Loss of, theft or damage to your car

If you car is lost, stolen or damaged, Norwich Union may:
• Pay for your car to be repaired;
• Replace your car; or
• Pay you a cash amount equal to the loss or damage
When Norwich Union settle claims Norwich Union may take off an amount for Norwich Unionar, tear and loss of value. The same cover also applies to your car's accessories and spare parts while they are in or on your car or in your private garage. Norwich Union will also pay for loss of, or damage to, your car's audio equipment or satellite navigation system (up to £500, unless it was fitted by the manufacturer).
If you cannot drive your car as a result of damage insured under this policy, Norwich Union will pay the reasonable costs of:
• Protecting your car and removing it to the nearest Norwich Union Direct approved repairers; and
• Delivering your car back to your address in the British Isles after the repairs have been carried out.

Accident recovery

If you are involved in an accident, your car is not safe to drive afterwards, call us and Norwich Union will arrange for the following at no extra cost.
• Someone to come out and help. If your car cannot be made roadworthy within a reasonable time, Norwich Union will take it to a Norwich Union Direct approved repairer.
• Norwich Union can take your car to a repairer of your choice if this is nearer, but this may lead to delays in arranging for repairs to your car.
Our employees and contractors will use reasonable care and skill when providing the accident recovery service.

New car replacement

Norwich Union will replace your car with a new car of the same make and specification (if one is available in the UK) if, within 12 months of you or your partner buying your car from new:
• the cost of repairing any damage covered by the policy is more than 60% of your car's UK list price (including car tax and VAT) when you bought your car; or
• your car is stolen and not recovered.
Norwich Union will only replace your car if:
• you or your partner own your car or are buying it under a hire-purchase agreement (not a leasing, contract-hire agreement, or other type of agreement);
• the hire-purchase company agrees; and
• you or your partner are the first registered keeper of your car.

Liability to third parties

Our comprehensive car insurance policy covers you for liability to third parties.
Norwich Union will insure you for all amounts which you may have to pay as a result of you being legally liable for:
• a person's death or injury
• damage to their property (subject to a maximum of £20m)
Norwich Union will also pay the following legal costs if they relate to an incident under this section:
• the fees of solicitors Norwich Union ask to represent anyone Norwich Union insure
• fees for legal representatives Norwich Union ask to defend anyone Norwich Union insure

Injury to you or your partner

Our comprehensive car insurance policy provides you with cover if you or partner suffer accidental bodily injury in connection with your car.
The most Norwich Union will pay any one person after any accident is £2,500. The most Norwich Union will pay any one person during any one period of insurance is £5,000.

Medical expenses

Norwich Union will pay up to £100 for medical expenses if you or anyone in your van are injured as a direct result of your van being involved in an accident.

Emergency medical treatment

Norwich Union will refund any person using any car covered by this policy for emergency medical treatment payments they have to make under the Road Traffic Acts.
If Norwich Union make a payment under this section, this will not affect your no-claim discount.

Personal belongings

Norwich Union will pay a maximum of £150 for any one incident for the loss or damage to personal belongings caused accidentally by fire or theft while they are in or on your car.

No claim discount

If you make a claim under your policy, Norwich Union will reduce your no-claim discount in line with our scale.
If you do not make a claim under your policy, Norwich Union will increase your no-claim discount when you renew your policy in line with the scale Norwich Union apply at that time.
Norwich Union do not grant no-claim discounts for policies running for less than 12 months.

Glass in windscreens, sunroofs and windows

Any payment Norwich Union make for repairing or replacing glass in your car's windscreen, sunroof or windows (or for any scratches on the bodywork caused directly by the broken glass) will not affect your no-claim discount.

Replacement locks

If the car keys or lock transmitter of your car are lost or stolen, Norwich Union will pay the cost of replacing:
• the affected locks
• the ignition and steering lock
• the lock transmitter and central-locking system.

Suspending cover

If your car will be out of use for a continuous period of 28 days or more, and this is not as a result of any loss or damage covered by this policy, Norwich Union may suspend your cover and refund part of your premium for the laid-up period.
Norwich Union will pay this refund when you ask for the cover to start again.

Foreign Use

Our comprehensive car insurance policy covers you for using your car abroad.
All countries in the European Union have agreed that your Norwich Union Direct certificate of motor insurance should provide enough evidence that you are keeping to the laws on the compulsory insurance of motor vehicles in any of the countries you visit.
If you pay an extra premium, your policy can be extended to provide the same level of cover in the European Union and some other European countries as you have in the Territorial Limits.

Benefits of Norwich Union Car Insurance

Six great reasons to renew your Norwich Union Car Insurance



*You must have had no claims in the last 3 years. †The premium you pay will depend on individual circumstances. **Discount also available for second motor policy. Applies to the risk element of the premium only and not to any optional extras, or to the first £42 which covers administration costs. ††The Guaranteed Protected No Claims Discount is for the Life of the Policy. You must have 5 years' no claims discount and no claims in the last 3 years.

Benefits of Norwich Union car insurance

• Cover you can trust from one of the UK‘s top motor insurers

• Our free phone claims lines are open 24 hours a day and 365 days a year

• Any repairs to your car via our approved repairer network are guaranteed for 3 years

• Courtesy Car guaranteed for the duration of any repairs (if selected on your policy)

• Up to 10% discount if you buy online

• Norwich Union can get you back on the road quickly. Our claims service is available 24/7 and in 2005, we resolved approximately 660,000 motor claims worth over £500 Million.

Short Term Insurance

Looking for cover between 1-28 days? Norwich Union now offer Short Term Car Insurance. Find out more here.

Link to previous article Norwich Union Car insurance Overview

Norwich Union Car insurance Overview

Norwich Union Car insurance Overview

· Up to 10% discount when you buy online and for every year that you renew with us
· Named drivers their own no claims discount with us (up tp 70%)
· Guaranteed no claims discount for the life of your policy (optional)

Third Party, Fire & Theft Car Insurance

Third Party, Fire & Theft car insurance is introduced by Norwich Union Insurance Services Limited (Registered Office: St Helens, 1 Undershaft, London, EC3P 3DQ) to Premium Search, a trading name used under licence by BDML Connect Limited.

Comprehensive Car Insurance

- Guaranteed No Claims Discount for the life of your policy:
You’ve worked hard to build up your No Claims Discount which can mean up to a 70% discount on your annual premium* - quite a lot - now we can guarantee that you need never lose it! Norwich Union are pleased to be able to offer Guaranteed Protected No Claims Discount for the life of your policy - regardless of the number of claims you need to make, we promise you won't see any increase to your premium as a direct result of any claims. To opt for a Guaranteed No Claims Discount policy, you will need to have:

· Comprehensive insurance with at least 5 years No Claims Discount
· No 'At Fault' claim's in the last 3 years
· Policyholder and all additional drivers must be aged 21 or over
· Have a minimum excess of £220 on your policy
· Guaranteed No Claims Discount is not available for policies with open driving

Click here for a comprehensive insurance quote or call us on 0800 051 2382 and one of our dedicated team will be happy to help.*Discount applies to the risk element of the premium only and not to any optional extras, or to the first £42 which covers administration costs.

- We can give your named drivers their own no claims discount:
If you are a named driver, you can earn your own no claims discount when you purchase a policy with us in you own right. If you are the spouse or partner of the policy holder you could earn up to 70% discount when you insure your own car with us. If you are purely a named driver you can earn up to 40% discount when you insure a car with us. Discounts apply to the risk element of the premium only, and not to any optional covers or to the first £42, which covers administration costs. If you are a named driver looking to purchase your own insurance, unfortunately we are unable to process your application online, please call 0800 056 2683. You will still be eligible for an online discount of up to 10%. Calls may be recorded and/or monitored.

- Child car seat replacement cover:

Did you know that if your car has been in an accident, even if there is no visible damage, it is possible that your child car seat could be weakened to such an extent that it will not provide the same level of protection in a further accident? Due to the fact ROSPA recommend that all child car seats should be replaced following an accident, Norwich Union will provide child car seat cover as standard and replace your child car seat up to the value of £100 following an accident or theft, even if there’s no apparent visible damage.

- Enhanced Courtesy car upgrade:

......great if you have a family or just for that extra comfort and space. Our enhanced courtesy car option means that should you have an accident and your car requires repair work, then you will receive a 5 door car with a 1.6 litre engine with room for up to 5 people. To select this as part of your policy features, please click on the 'Enhanced Courtesy Car' option in the 'add on' section of the online quote application form.

- New car replacement:

If your vehicle is less than 12 months old from purchase as new when you have an accident or it’s stolen and not recovered, we will give you a new car of the same make and specification.- Provided the claims cost from the accident is more than 60% of the UK list price or the car is stolen and not recovered and also that you are the first registered keeper.

- Multi-car discounts:

- The discount is allowed only where the policy meets the following criteria:» Must be Comprehensive» Insured only or Insured and Spouse/Domestic/Civil partner named on the first and second policies only, no other drivers allowed.»Conditions apply We recognise that households these days usually have more than one car and so we will give you a 5% discount on each additional car insured with us and what’s more, we will take 5% off the existing car insured with us at renewal! What’s more, if the existing car insured with us carries an NCD discount, we will match the NCD discount on each additional vehicle up to a maximum of 70%. Discounts apply to the risk element of the premium only, and not to any additional covers, or to the first £42, which covers administration costs. To take advantage of this discount, then please contact us on 0800 051 2382, quoting reference MP33.

Conditions apply - Please read Terms and Conditions in the policy wordings for further details on all of the above features.

10% of all customers buying car insurance January to June 2007 paid £213 or less.

What affects the price of Car Insurance?

The price of auto insurance varies by company and by:

What you buy

• How many coverages you buy

• The deductibles

What kind of car you drive

If you are buying or selling a car, you will need to re-evaluate your auto insurance needs.
Generally, the more expensive the car, the more you pay.

Where you drive


Generally, due to higher rates of vandalism, theft and accidents, urban drivers pay more for insurance than those in small towns or rural areas.

How much you drive

People who use their car for business and long-distance commuting normally pay more than those who drive less.

Your age, sex and marital status

Accident rates are higher for all drivers under age 25, especially young males and single males. Insurance prices in most states reflect these differences.

Your driving record

Drivers who cause accidents generally must pay more than those who are accident-free for several years.

Your credit history

Studies have shown that credit history is a powerful predictor of future auto insurance losses. Many insurance companies consider certain credit characteristics in addition to many other factors when determining an individual's rate.

What can I do to save money on my auto insurance?

If you're shopping for a car, consider how your choice will affect premiums.
Some insurers increase premiums for cars more susceptible to damage or occupant injury, and lower rates for those that fare better than the norm.
Ask about discounts for good students, insuring more than one vehicle, accident-free driving, and others.
Consider joining a car or van pool, or finding other transportation to work. If you reduce your driving mileage enough, you may lower your premiums.

Link to previous article Jargon buster for Insurance Terms

Jargon buster for Insurance Terms

Accident, sickness and unemployment insurance

See mortgage protection insurance and payment protection insurance.

Buildings insurance

Pays the cost of repairing or rebuilding your home if it is damaged by unforeseen events (as detailed in the insurance policy).

Contents insurance

Covers the cost of replacing possessions lost or damaged due to unforeseen events (as detailed in the insurance policy).

Cover

The protection given by insurance.

Critical illness cover

Insurance that pays a lump sum if you're diagnosed with a specified critical illness covered by your policy.

Dental insurance

A type of health cash plan that focuses specifically on dental care expenses.

Excess

The amount you agree to pay before your insurer pays the rest of the bill (for example, the first £100 of a claim).

Exclusions

Things that your insurance will not cover.

Health cash plans

Provide limited cash sums towards everyday healthcare bills.

Income protection (or permanent health insurance)

Insurance that pays you a monthly income if you're unable to work due to illness or injury, until you are able to return to work, or retirement, whichever is the sooner.

Investment-backed life insurance

Life insurance which has two roles: to protect you, and to act as an investment. These include Whole-of-Life insurance, With-profits bonds, Income and growth bonds, Endowment policies and Maximum Investment plans.

Joint life

Typically, life-cover to protect a family in the event of either or both parents dying.

Mortgage protection insurance

Accident, sickness and unemployment insurance (or payment protection insurance) used to cover your mortgage payments.

Motor insurance

Pays out if you injure someone or damage someone else's property while driving. It may also cover damage to your own car.

No claims discount

A discount if you haven't made a claim on your insurance policy within a specified period of time (for example 3 years) but it does not mean the premiums to which the discount is applied do not rise.

Payment protection insurance (or accident, sickness and unemployment cover)

Pays out a regular amount (repayments of a loan, although some cover bills as well) for a limited time – a year, say – if you can't work for health reasons or redundancy.

Policy

The details of what your insurance covers, what it doesn't, and what it costs, normally provided separately.

Premium

The amount your insurer requires you to pay for insurance.

Private medical insurance

Insurance that pays for you to receive private medical treatment.

Schedule

The specific details of what's covered, and what's excluded, by a policy.

Term insurance (or term assurance)

Life insurance giving protection for a specific amount of time (the 'term').

Travel insurance

Pays out if you unexpectedly have to cancel your holiday; are taken ill while away; accidentally injure somebody or damage somebody else's possessions; lose your own possessions; and so on...

Link to Previous article : Getting help with Travel Insurance

Getting help with Travel Insurance

Getting help with Travel Insurance

Generally, firms selling insurance and those providing insurance cover (underwriting the risk) have to be regulated by us, or be the agent of a regulated firm. There are some exceptions, for example travel agents that sell travel insurance do not usually need to be regulated by us.
Regulated firms and their agents are put on our Register and have to meet certain standards. Always make sure that the firm you use is on our Register before handing over your money. If they aren't regulated by us and things go wrong, you won't have access to complaints and compensation procedures. To find out if a firm is on the FSA Register, see check the FSA site.
Your friends or family may recommend an insurance broker or insurance company or you can find one along your high street. Alternatively there are organisations that can help you – see Useful links. But remember, always check that the firm you use is on the FSA Register.

Buying without advice

You don't have to get advice before you take out an insurance policy, and UK firms that sell insurance without advice still have to follow our rules. But it is up to you to decide whether the policy is suitable for you. You may have less grounds for complaint if the product turns out to be unsuitable.

What information will you get?

When you contact an insurance broker you will get two important pieces of information – sometimes in the form of keyfacts documents:

• details of the service the broker is giving you – see Step 1; and

• a summary of the insurance policy being offered to you – see Step 2.

Getting the Key facts

Step 1

When you contact an insurance provider, they must give you details of the service they offer. It may be in a keyfacts about our service document, but doesn't have to be. They will tell you:

• whether they're offering you advice or just information about the product;

• whose insurance policies they offer – it may be from one company or many; and

• how much you'll have to pay for the service.
Use this document, or information to shop around to get the service you want at the price you're happy with.

Step 2

Once you've discussed what you need and answered all the questions about yourself and what you want to insure, the intermediary, insurance company or the firm selling you the insurance will give you a keyfacts about the policy. This sets out the essential facts. Ask questions if you don't understand anything as misunderstandings could lead to the insurance company refusing to pay out when you claim.
The keyfacts policy summary will set out:
• what the insurance policy actually covers;

• what it doesn't cover;

• any limits or restrictions; and

• other important features you need to know before you make up your mind.

Make sure you get this and that you read and understand it. Ask the provider or insurance company to explain anything you don't understand.
Use this document to shop around and compare like with like. Another policy may be cheaper but does it offer the same cover?

Important tips for travel Insurance

1. Check that the firm is on FSA Register.

2. Use the keyfacts about the policy to compare other policies.

3. Answer the questions as best you can – it will help avoid misunderstandings.

4. Ask questions if something is not clear.

Link to Previous article : Travel Insurance

Travel insurance

What is Travel Insurance for?

If you are a UK resident you are entitled to free or reduced-cost, State-provided healthcare when visiting a European Union (EU) country as long as you have the necessary European Health Insurance Card (EHIC). However, in many other countries healthcare can be very expensive.

Most travel insurance plans will cover medical bills for £1m, and often more, as well as pay for an emergency air ambulance to bring you home for treatment in the UK. Travel insurance can also cover you against other mishaps while you're abroad, from lost luggage and theft to flight delays. Make sure you read the policy summary for exclusions – there are bound to be some. Also check for excess charges – some policies charge an excess per clause rather than one overall.

You could be offered travel insurance by the travel agent where you book your holiday, but you don't have to take their cover and generally travel insurance sold at the same time as a holiday, isn't covered by regulation. You can shop around and get the right cover for you. Find out whether your employer offers travel insurance as part of your benefits package.

What Travel Insurance does not cover?

You won't usually be covered for medical conditions you already have, or may have to pay extra to get them covered. Always ask if you're in doubt. Travelling against a doctor's advice may also invalidate your cover.

Important Tips for Travel Insurance
1. Read the paperwork and ask questions if you don't understand anything.

2. Make sure you check what you're covered or not covered for.

3. Tell the insurance company if you have any existing medical conditions.

4. Find out if your employer provides health insurance as part of your benefits package.

5. Don't be pressurised to take travel insurance from your travel agent – you don't have to, and other policies may be more suitable for you.

Link to Previous article : Flood Insurance - Flood damage claim options

Flood Insurance - Flood damage claim options

Flood damage insurance comes to your aid in case you have lost your possessions due to a flood in your area.
If you have suffered flood damage and are intending to claim on your insurance policy, consider the following:

--You can make a claim directly to your insurer – who is obliged by FSA rules to handle your claim fairly.

--Individuals or companies who offer to notify your claim to the insurer or to negotiate it on your behalf) must:

-be regulated by FSA or

-be an exempt professional firm such as a law firm

-And as such, must handle your claim fairly.

Think about whether you need to hire a third party's help.

If you do decide you want to hire a third party, make sure you check how much it will cost you first (they may charge a share of any sum paid out by the insurer).

The Association of British Insurers (ABI) has a useful list of questions and answers about flooding and insurance on their website – please refer to that for more information.

Link to Previous article : Pet Insurance

Pet Insurance

What is Pet Insurance for?

There are two kinds of pet insurance:
• Life-long Pet Insurance – it will pay out for specific conditions for the life of your pet; and

• Time-limited Pet Insurance – it will only pay out for 12 months per condition.

Policies vary, but in addition to an agreed maximum payout for a vet's bills and drugs, some will pay for you to advertise if your pet has been lost; or for kennel/cattery fees if you suddenly have to go into hospital; and, in some cases, the cost of making good damage caused by your pet.

What isn't covered in Pet Insurance?

Generally, the routine maintenance items such as annual vaccinations, boosters and nail clipping, as well as spaying and neutering.

Keeping costs down for Pet Insurance

As with most insurance, the higher the excess (the amount of the claim that you agree to pay yourself), the lower the premiums. Make sure you disclose any key relevant information. Shop around and always compare what's covered by a policy, not just the price. Some might be cheaper than others, but they may not offer the same level of protection.

Important tips for Pet Insurance

1. Read the paperwork and ask questions if you don't understand anything.

2. Make sure you check what you're covered or not covered for.

3. Shop around when it comes to renewal time to make sure you're getting the best deal.

Link to Previous article : Motor Insurance

Motor Insurance

What is Motor Insurance for?

The law says you have to have motor insurance to drive a car or motorbike. Some policies cover the replacement or repair of your vehicle, depending on the circumstances of an accident. You can choose from three levels of cover:

• Third party – this is the minimum legal requirement and covers you if you injure a third party, including passengers or their property, but does not cover damage to your own vehicle.

• Third party, fire and theft – covers third party injuries and liabilities, and also fire and theft to your own vehicle, but not accidental damage to your vehicle.

• Comprehensive – as well as the above, this will cover fire, theft and accidental damage to your vehicle.

What does motor insurance cost?

You pay a premium depending on factors including the make of car, engine size, your age and your sex. If you can pay a higher excess, (for example, pay the first £50 or £100 of the claim) your premium may be lower.
You'll also tend to get lower premiums if you park your car in a garage overnight for example, or if you have a clean driving licence.


Keeping costs down for motor insurance

Shop around – there are lots of insurers out there. Use the keyfacts about this policy to see what is and isn't covered by the policy. Always compare what's covered by a policy, not just the price – the keyfacts policy summary will help you do this. Some might be cheaper than others, but they may not offer the same level of protection.

Depending on your claims history, the insurance company may offer you a no-claims discount. Generally this ranges from 30% to 65% and your premium will reduce accordingly.

Some companies allow you to pay a sum to protect or guarantee this no-claims discount, which can mean a saving on your future premiums should you have to make a claim. Bear in mind you are paying to keep the no claims discount and not to keep your premiums at a certain level – they may still rise, for example, as a result of general increases or as a result of your claim.

Important tips for motor insurance

1. Read the paperwork and ask questions if you don't understand anything.

2. Make sure you check what you're covered or not covered for.

3. Shop around when it comes to renewal time to make sure you're getting the best deal.

Link to Previous article: Contents Insurance

Contents insurance

What is Contents insurance for?

Contents insurance covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. But also items you take outside, for example cameras, jewellery and briefcases. Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident.

If not already covered by your contents insurance, you may want to consider travel insurance for loss or damage to your personal belongings whilst travelling. For more information see travel insurance.

What isn't covered in contents insurance?

Anything beyond the maximum amount your insurer says they will pay, and it may pay a maximum amount on single articles. You'll need to specify the value of the contents. Some companies have limits on the value of any one item under the general policy so you'll need to specify individual items such as expensive jewellery or camera equipment, for example. Your cover may also be affected or cancelled if you leave your home empty for a long period of time, or if you let it out. Damage to the building itself is also not covered; this needs to be covered separately with Buildings insurance – see Buildings insurance.


Keeping costs down for Contents insurance

Many insurers will offer discounts if you have a burglar alarm, window locks or if you're a member of a Neighbourhood Watch scheme. You may also get a deal if you combine contents and buildings insurance. Always compare what's covered by a policy, not just the price – the keyfacts policy summary will help you do this. Some might be cheaper than others, but they may not offer the same level of protection.

Level of cover for Contents insurance

Some contents insurance policies offer new for old. This means they'll replace old damaged appliances and possessions with new ones when you claim.
Bear in mind that your premiums may increase the following year, or the insurance company may refuse to cover you for the same risk if it happens more than twice, for example.
Important tips for Contents insurance

1. Read the paperwork and ask questions if you don't understand anything.

2. Make sure you check what you're covered or not covered for.

3. Shop around when it comes to renewal time to make sure you're getting the best deal.

Link to Previous article: Buildings Insurance

Buildings Insurance

What is Buildings Insurance for?

If you have a mortgage, your lender will insist that your mortgage property (and their security) is protected by buildings insurance. This insurance usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example).

Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages.
You might be offered buildings insurance when you take out your mortgage, but you don't have to take what's on offer. You must use the keyfacts policy summary to shop around and get the best deal for you.

If you purchase a leasehold property (such as a flat in a block of flats) the freeholder may have arranged buildings insurance for the whole block, in which case you may not need your own buildings policy.

What isn't covered in Buildings insurance?

Your cover is based on what your home would cost to rebuild. You can check whether you have enough buildings insurance through the Building Cost Information Service (BCIS) website. It has an online tool to help you calculate the sum you should insure your building(s) for, in case your home has to be entirely rebuilt.

You need to tell your insurer if you extend your property, for example with a loft conversion or conservatory. Your belongings are not covered – these need to be covered separately with contents insurance.

Keeping costs down for buildings insurance

As always, shop around. You may also find that you get a better deal if you buy buildings and contents insurance together. Most policies have a standard excess charge which means you agree to pay the first part of any claim, for example the first £50 or £100. If you agree to pay a higher excess you might get a cheaper policy. Always compare what's covered by a policy, not just the price – the keyfacts policy summary will help you do this. Some might be cheaper than others, but they may not offer the same level of protection.

Important tips for buildings insurance

Read the paperwork and ask questions if you don't understand anything.

Make sure you check what you're covered or not covered for.

Shop around when it comes to renewal time to make sure you're getting the best deal.

Protecting your possessions – special insurance

What would happen if your house was damaged in a storm, flood or fire; you were burgled; or a tile fell off your roof and injured a passer-by? Do you have the right level of cover?

What about your personal belongings or pets – are they covered?

There is insurance to protect your home inside and out as well as to protect your possessions.

As with all insurance, it's important that you:

• give the full facts;

• read the policy summary to check what's covered and what isn't;

• shop around to get the best deal for you; and

• always compare what's covered by a policy, not just the price.

Some might be cheaper than others, but they may not offer the same level of protection.

You can choose from the following:

• Buildings insurance

• Contents insurance

• Motor insurance

• Pet insurance

• Flood damage claim options

In the next few articles, let's discuss how you can go about considering and taking these special types of insurance schemes to protect your posessions.

Link to previous article Travel Insurance