Black Box Insurance policy upgrades
Discover the upgrades available on our Black Box Insurance and what they cover
Your Black Box Insurance is a comprehensive policy, which means you’re covered for accidental, malicious, fire and theft damage to your own car and damage to any third parties if there is a collision and you are at fault.
Whilst comprehensive cover is the highest level of cover you can have, there are some extras you may want that aren’t included in the standard cover. We offer a few different upgrades to our policy, so you can customise your cover to suit you. Find out what they are and how they work below!
Legal expenses cover
What is legal cover?
Legal cover will help you with covering the cost of taking legal action if you’re involved in a car accident that wasn’t your fault, if you are prosecuted for a driving offence, or if you experience a breach of your rights when buying, selling or repairing your car. Marmalade's legal cover includes:
Access to a 24-hour personal legal helpline on any private legal matter.
Up to £100,000 of legal expenses cover including:
• Help to recover compensation from a party at fault for a car accident (For example: Personal Injury and medical expenses; Excess payments you have made; 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 car.
• Assistance if your car is seized due to the Motor Insurance Database being incorrectly updated.
• Cover to defend claims where your vehicle’s identity has been used without your permission.
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.
Access to a 24-hour personal legal helpline on any private legal matter.
Up to £100,000 of legal expenses cover including:
• Help to recover compensation from a party at fault for a car accident (For example: Personal Injury and medical expenses; Excess payments you have made; 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 car.
• Assistance if your car is seized due to the Motor Insurance Database being incorrectly updated.
• Cover to defend claims where your vehicle’s identity has been used without your permission.
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 can be added onto your policy for only £10 for the whole year. This small cost can save you a lot of money should you need to pay for legal services after a claim, especially since the cost of legal proceedings can be huge! We would hope you never need to use your legal cover, but it’s comforting to know if you need to, costs are pretty much sorted without having to fork out for the legal expenses at the time.
From 31st May 2021, the government implemented changes to the legal system for personal injury claims. This means that for small claims, victims in England and Wales will need to pursue their own claim, or appoint a legal representative at their own cost, unless they have legal expenses cover. Previously victims could have instructed a solicitor on a no-win/no-fee basis for claims like Whiplash, but this is no longer the case as legal fees for these cases can no longer be claimed back from a 3rd party insurer. We’re sure the last thing you want to deal with after an accident is the stress and expense of pursuing your own claim. Motor Legal Expenses Cover protects you against these risks and ensures that you receive your compensation through an experienced claims administrator who would take the stress away and provide updates throughout the claims journey.
From 31st May 2021, the government implemented changes to the legal system for personal injury claims. This means that for small claims, victims in England and Wales will need to pursue their own claim, or appoint a legal representative at their own cost, unless they have legal expenses cover. Previously victims could have instructed a solicitor on a no-win/no-fee basis for claims like Whiplash, but this is no longer the case as legal fees for these cases can no longer be claimed back from a 3rd party insurer. We’re sure the last thing you want to deal with after an accident is the stress and expense of pursuing your own claim. Motor Legal Expenses Cover protects you against these risks and ensures that you receive your compensation through an experienced claims administrator who would take the stress away and provide updates throughout the claims journey.
Breakdown cover
What is breakdown cover?
If your car breaks down and you need emergency assistance to help you continue your journey, or to be taken to a nearby garage, you will need breakdown cover. There are two levels of cover on the breakdown cover we provide, with RAC, these are:
1. Roadside, Recovery and At Home
This gives you roadside assistance, recovery of the insured car and passengers to a UK destination, recovery if the driver is taken ill, and cover at home with transport to a garage within 10 miles!
2. Roadside, Recovery, At Home & Onward Travel
This gives you all everything that option 1 gives you, but also gives you alternative onward travel options, and overnight accommodation should you need it.
1. Roadside, Recovery and At Home
This gives you roadside assistance, recovery of the insured car and passengers to a UK destination, recovery if the driver is taken ill, and cover at home with transport to a garage within 10 miles!
2. Roadside, Recovery, At Home & Onward Travel
This gives you all everything that option 1 gives you, but also gives you alternative onward travel options, and overnight accommodation should you need it.
Should I add breakdown cover to my insurance?
New drivers may not know what to do if they found themselves broken down on the road. Breakdown cover gives peace of mind, so you know that if you do breakdown, you’re covered to get back up and running. It’s important to check if you have breakdown cover already before opting for the additional extra. Sometimes, it comes as part of a packaged bank account, or as part of a manufacturer’s warranty with a new car, for example.
Hire car cover
What does Hire Car cover provide?
For just £17 per year, Hire Car cover will provide you a replacement vehicle if your car is stolen or a total loss after an accident. A Class A car (a small 1 litre hatchback e.g. Toyota Aygo, or similar) that is less than 3 years old will be provided within 24 hours of you notifying the claim for up to 14 days. The good news is that it can also be driven by anyone named on your insurance policy (provided they meet the age criteria of the policy).
This cover is only available to full licence holders aged 21 or over, or those over 18 who have held a full licence for a minimum of 6 months.
This cover is only available to full licence holders aged 21 or over, or those over 18 who have held a full licence for a minimum of 6 months.
Does my black box policy come with a courtesy car?
If you have an accident and your car is being repaired using one of our approved repairers, you will be entitled to a replacement car. However, a courtesy car is not provided if your car is stolen or a total loss. It may be wise to add Hire Car cover to the policy should you wish to have a replacement car for a couple of weeks in the event of an accident resulting in your car being undriveable, or if your car is stolen.
If you rely solely on one car to drive, then adding this cover to your policy can provide re-assurance for if you lose your only means of transport, and the added security of giving you time to source a new car.
If you rely solely on one car to drive, then adding this cover to your policy can provide re-assurance for if you lose your only means of transport, and the added security of giving you time to source a new car.
Keen to get covered?
Get a quote today on Marmalade's Black Box Insurance, and customise your cover with the add-ons of your choice.
