Learner Driver Insurance FAQ's

Add Ons

What is an add-on?

An add-on is various optional extras we offer on annual policies only, such as personal accident cover, breakdown cover, key cover and excess protection.   We can add these when you take out a new cover or at renewal.  Please contact our Helpdesk on 0345 370 0008 for further information.

What’s included in Key cover?

Key cover costs £19 and provides you with cover in the event of theft or loss of your car keys or key card, the remote transmitter and central locking interface.  It also covers the cost of replacing affected locks and affected parts of the engine control unit, alarm, and/or immobiliser. It is sold separately but if you buy it, forms part of your motor policy.

Key cover will pay a maximum of £500 per single claim and a maximum of £1,500 per 12 month policy period. There is no policy excess under this section.

What’s included in Personal Accident cover?

Personal Accident cover costs £5 and covers you and your passengers for up to £15,000 in the event of loss, damage, death or bodily injury caused by a road traffic accident whilst driving or travelling in the car that is insured by Collingwood.   The maximum accumulation limit for any one accident is £120,000. This is sold as a standalone product and will run alongside your Learner Driver Insurance Policy.

Is Legal Expenses cover included in the price?

If, in the unlikely event you are involved in a non-fault accident, the policy includes a Claims Management Service free of charge provided by Winn Solicitors Ltd giving you up to £50,000 legal costs. A success fee may apply.

Can I include add-on’s once my cover has started?

Unfortunately any Add-ons can only be added when you take cover out or on renewal on annual polices only.