Details of Cover
You can take out our standard policy or add other products and services we offer.
Our standard cover includes:
- A courtesy car when your car is repaired at a Cornhill Direct approved repairer (subject to availability)
- Recovery after an immobilising accident in the UK or Europe for you and up to 5 passengers either to your destination or your home
- Personal belongings up to £200 (excluding money, jewellery or mobile phones)
- Audio equipment, where this is not the manufacturers standard equipment this will be limited to £750
- New car cover, if your vehicle is less than one year old and owned from new, and is stolen or damaged resulting in the cost of repair exceeding 50% of the price of a new identical car, we will replace it with a new one
- Windscreen cover and replacement locks
Our standard cover includes a compulsory excess of £150, and you can choose from a range of voluntary excesses ranging from £0 to £500. For a summary of our cover, and the main exclusions which may apply, please read the Policy Summary Sheet or, for full policy details, please read our Policy document.
Terms and conditions apply.
Quick reference table
This table shows you the highlights of the cover and the main limitations to the cover. For full policy details you should refer to the Motor Policy booklet.
Just look at what you get with our fully comprehensive car insurance:
| Why take out car insurance with Cornhill Direct | Limits of cover |
| Liability to others | Up to £20,000,000 |
| Emergency medical expenses | Within territorial limits of the policy |
| Loss of or damage to your car | Within the limits of your schedule |
| Accident recovery of your vehicle, the driver and up to 5 passengers, home, to an approved garage or to your destination | If an approved garage can be located within 10 miles of the incident |
| New car cover – new replacement vehicle | Your car is less than 12 months old, is damaged beyond reasonable repair and you have owned it from new. |
| Medical expenses – for persons being carried in your car if they are injured in an accident involving your car | Up to £200 per person for medical, surgical, or dental fees |
| Veterinary expenses – for your domestic dog or cat being carried in your car if they are injured in an accident involving your car | Up to £200 per animal for veterinary fees |
| Windscreen damage – repair or replacement | £75 excess and a maximum of £250 if you do not use an approved repairer |
| Personal belongings – excluding money and securities, jewellery, mobile phones, goods connected with trade | Up to £200 whilst in your car |
| Personal belongings – wheelchairs, prams, child pushchairs and carrycots | Up to £400 whilst in your car |
| Personal belongings – replacement child car seats and booster seats | Whilst in your car |
| Personal accident for you and your spouse – covers death of, total and permanent loss of sight in one or both eyes or loss of one of more limbs | £3000 if injured whilst in, on or getting in or out of your car and 75 years of age or less |
| Replacement locks – for lost or stolen keys, provided you report the loss to the police within 24 hours | Up to £500 |
We do not pay the first £150 of any claim (except for windscreens). Terms and Conditions apply.
