Marmalade Black Box Insurance is a comprehensive policy, which means you’re covered for accidental and malicious damage, fire, and the theft of your own car. You’re also covered for damage to any third-party vehicles if there is a collision and you are at fault.
While comprehensive cover is the highest level of cover you can have, there are some extras which aren’t included as standard. You may want to add optional extras and customise your cover to better suit your needs.
We’ve broken down what they are, and how they work.
Legal expenses cover
What is legal cover?
Marmalade’s legal cover will help you cover the cost (up to £100,000) of any legal action you need to take, for example:
- Recovering compensation from a party at fault for an accident, including personal injury, medical expenses, the cost of excess payments made, or loss of earnings
- Legal representation if you're prosecuted for a driving offence
- Legal representation to obtain compensation for breach of an agreement relating to buying, selling, or repairing your vehicle
- Assistance if you car is seized due to the Motor Insurance Database being incorrectly updated
- Defending claims where your vehicle's identity has been used without your permission
With legal cover, you’ll have access to a 24-hour personal legal helpline on any private legal matter. Bear in mind, you won’t be able to claim if you or any named driver are at fault, or if the claim does not have a reasonable chance of success.
Do I need to have motor legal expenses cover on my insurance?
Legal cover is not mandatory but can be added to your policy if you choose. The cost of legal proceedings can quickly rack up, so adding this as an optional extra can give you peace of mind that you’re covered if you do need to go down the legal route.
Breakdown cover
What is breakdown cover?
The same benefits as Roadside Assistance & Recovery, plus the advantage of onward travel options should your car be unable to be fixed on the same day following a breakdown. Also provides cover in the event that your car breaks down at home.
Should I add breakdown cover to my insurance?
Let’s say it how it is – when your car breaks down it can be extremely stressful, especially if you’re mid-journey when it happens.
Adding breakdown cover to your policy gives you the confidence that, if you were to break down, someone would be there to assist you. It’s a good idea to check if you have breakdown cover already, as this is sometimes included with certain packaged bank accounts or as part of a manufacturer’s warranty with a new car.
If you want to include breakdown cover with your policy, you can add it when you buy your insurance or when you come to renew.
Keen to get covered?
Get a quote today for Marmalade's Black Box Insurance and customise your cover with the add-ons of your choice.
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