Commercial Lines
Personal Lines
GAP Insurance
Maximum vehicle values, benefit levels and exclusions vary; however, qualifying vehicle values from £5,000 to £150,000. RTI GAP Plus covering cash purchase, finance purchase and leased vehicles.
- Cars
- Motorbikes, scooters, and mopeds
- LCVs
- Taxis
- Fleet GAP – for cars and LCVs up to value of £175,000 provided the fleet consists of more than 10 vehicles.
GAP Insurance
Same as Commercial lines plus
- Motorhomes (different cover levels)
Excess Insurances
Maximum benefits vary and there are numerous options of some products.
- Landlord
- Commercial Combined – for Limited Companies/Self-Employed & Partnerships
- Taxi
- Driving Instructor
- Business Car & LCV
- Motor Trade Plate
- Fleet – Car/LCV/ trucks up to 44t GVW
- Courier Fleet– Car/LCV/ trucks up to 44t GVW
Excess Insurances
Maximum benefits vary and there are numerous options of some products.
- Personal Home
- Personal vehicle – car, motorbike, LCV
- Family Multi-vehicle
- Personal Motor & Home
- Personal Car & LCV Rental
Landlord Home Emergency Insurance
£1000 of cover per claim, 3 claims per annum
Home Emergency Insurance
£1000 of cover per claim, 3 claims per annum
Landlord Legal & Rent Guarantee Insurance
- For private tenants provides legal fees when tenants lawfully evicted and pays outstanding rent.
- Bespoke solutions for large corporate landlords with private tenants providing legal fees when tenants lawfully evicted and pays outstanding rent.
- Bespoke solutions for large, registered Housing Associations supporting social housing, helping with claiming arrears from Universal credit of Discretionary Housing Funds, providing legal fees when tenants lawfully evicted and pays outstanding rent.
Not applicable
Breakdown Insurances for Commercial Vehicles and Taxis
- Roadside Assistance & Local Recovery
- Roadside Assistance & Local Recovery and Home Assist
- Roadside Assistance &a Local Recovery and Home Assist and Nationwide Recovery
- European Roadside Assistance & Recovery and Nationwide Roadside Assistance & Recovery
- European Roadside Assistance & Recovery and Nationwide Roadside Assistance & Recovery plus Home Assist
Personal Breakdown Insurances
- Roadside Assistance & Local Recovery
- Roadside Assistance & Local Recovery and Home Assist
- Roadside Assistance &a Local Recovery and Home Assist and Nationwide Recovery
- European Roadside Assistance & Recovery and Nationwide Roadside Assistance & Recovery
- European Roadside Assistance & Recovery and Nationwide Roadside Assistance & Recovery plus Home Assist
Guaranteed Vehicle Hire Insurance
If a policyholder’s car is written-off or is undrivable following a road traffic accident of which the customer is at fault it will provide a car for the customer for a chosen period, or if a car can’t be found it will pay a cash allowance to the policyholder.
Guaranteed Vehicle Hire Insurance
If a policyholder’s car is written-off or is undrivable following a road traffic accident of which the customer is at fault it will provide a car for the customer for a chosen period, or if a car can’t be found it will pay a cash allowance to the policyholder.
Tools in Transit – (standalone)
Covers portable tools, tool kits or test equipment whether owned by or hired even if loss or damage occurs during loading and unloading, additionally:
- if they are stolen from your vehicle during the day,
- for damage or loss as a result of a road traffic accident
- if they are stolen while working/staying away from home at night.
Not applicable
Goods in Transit (for couriers)
Commercial Goods Insurance – loss or damage to cargo being transported and handheld scanners. Can be purchased with or without Employer’s Liability or Public Liability cover.
Not applicable
Not applicable
Key Cover Insurance
Personal cover up to £1000 to replace lost or repair damaged keys, costs of gaining entry into car or home if keys locked inside.