Churchill Legal Assistance Service

Churchill Legal Assistance Service

1. How much cover does Churchill Legal Assistance Service (CLAS) provide?
CLAS will provide for up to £100,000 of legal costs to help you to recover uninsured losses that cannot be claimed from any insurance policy, these include:
1. Compensation for injury or death
2. Your excess
3. Loss of earnings
4. Compensation for damage to your personal belongings (if you do not have Comprehensive cover)

2. Does my policy include Churchill Legal Assistance service?
CLAS is not automatically included in your policy, it is an optional extra which you can buy in addition to your car insurance for as little as £2.02 a month.

3. When can I use Churchill Legal Assistance Service?
If you have bought CLAS, the cover can be used following any road traffic accident involving your car which is not your fault. We will pay the legal costs of appointing a solicitor to help recover any uninsured losses.

4. If I buy Churchill Legal Assistance Service, who would be covered?
CLAS provides cover for all drivers named on your current Certificate of Motor Insurance and for any passengers travelling in your car at the time of the accident.

5. Would Churchill Legal Assistance Service cover me in my other car?
No, CLAS can only provide cover for the car described in your current Certificate of Motor Insurance.

6. Would I be covered by Churchill Legal Assistance Service if I go abroad?
CLAS provides cover within Great Britain, Northern Ireland, the Isle of Man, the Channel Islands and any other country described in your current policy booklet.

7. Would I be covered by Churchill Legal Assistance Service if the driver at fault leaves the scene of the accident without swapping details?
It is important that you take the driver’s details, their vehicle registration number as well as the make and model. The details of the driver responsible for the accident are necessary if we are to recover your losses from them.

8. Will you pay compensation under Churchill Legal Assistance Service if I am injured as a result of a road traffic accident and unable to work?
If you are involved in a road traffic accident which is not your fault we will pay the legal costs of recovering compensation for any injuries received and any loss of earnings sustained.

9. If I need to use Churchill Legal Assistance Service are there any additional costs other than the annual premium?
No, you only pay the annual premium. All expenses related to your legal claim are covered by the policy.

10. Do I need Churchill Legal Assistance Service if I know a solicitor?
CLAS will pay the other side’s costs if you lose as well as any expenses relating to your claim, such as medical reports and counsel’s opinion.

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Guaranteed Hire Car

1. What is Guaranteed Hire Car?
Guaranteed Hire Car is available on your comprehensive motor policy for a small extra premium. The additional benefits include:
1. A replacement car for repairs and for total loss or if the car is stolen
2. A hatchback or similar with an engine size of at least 1000cc

2. Who does Guaranteed Hire Car apply to?
It applies to all drivers insured under the policy.

3. Can I use Guaranteed Hire Car more than once a year?
Once purchased Guaranteed Hire Car can be used whenever a valid claim is registered. There is no limit to the number of times it can be used in one year.

4. Will my No Claims Discount (NCD) be affected?
Guaranteed Hire Car as a product will not impact NCD, however it can only be used when a valid claim has been registered which may impact NCD.

5. Do you provide a hire car for disabled drivers?
We will endeavour to provide disabled drivers with a suitable hire car. If we are unable to provide a suitable hire car, we will pay travel costs up to the amounts stated in the relevant section of your policy booklet.

6. Do I have to pay an excess if I have an accident in the car?
An excess will be payable if you have an accident in a hire car provided under the Guaranteed Hire Car option. You will pay the current level of excess on your policy. Please refer to your schedule for your details of windscreen excess.