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 levels of Breakdown Cover are available?
At Marmalade, you can choose from four levels of RAC breakdown cover: Roadside Only, Roadside & Recovery, Roadside, Recovery & At Home, and Roadside, Recovery & At Home & European.
Roadside Only
Roadside Only gives you peace of mind if you break down more than a quarter of a mile from home. The RAC will attend and, if your car cannot be repaired at the roadside, you and your passengers will be taken to a destination of your choice within 10 miles.
This level does not include assistance within a quarter of a mile of your home and does not provide cover for cars outside the UK.
Roadside & Recovery
Includes all the benefits of Roadside Only, plus nationwide recovery. If your car cannot be repaired at the roadside, you, your passengers, and your car will be transported to any destination of your choice anywhere in the UK.
This level does not include assistance within a quarter of a mile of your home and does not provide cover for cars outside the UK.
Roadside, Recovery & At Home
Includes all the benefits of Roadside & Recovery, plus cover within a quarter of a mile of your home address.
This level does not provide assistance for cars outside the UK.
Roadside, Recovery, At Home & European
Includes all the benefits of Roadside, Recovery & At Home, plus European Breakdown cover for your car while driving in European countries.
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.
Download the myRAC app and make reporting a breakdown even easier!
It’s your go-to tool for reporting a breakdown quickly and easily, wherever you are.
You’ll also find useful features at your fingertips - from finding the best local fuel prices to sending you timely reminders for MOT, tax and servicing, so you’ll never miss an important date.
Download it today from the App Store or Google Play and enjoy a simpler, smarter way to stay on top of your car care.
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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