Go Girl Features & Benefits
Our comprehensive car insurance policy is built with you in mind. Regardless of whether you are a learner driver, or a have been driving for years, all the features and benefits below come as standard.
FREE COURTESY VEHICLE
All our comprehensive policies include a courtesy vehicle for the duration of your repair following a claim. We aim to keep you mobile and minimise any inconvenience following an accident.
A courtesy vehicle is provided subject to the following:
- The claim has been accepted and your car is repairable and is being repaired by our approved repairer.
- Typically the courtesy car will be a small car with manual transmission.
- We do not provide courtesy cars outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
- If an accident happens at weekends or bank holidays then delays in providing a courtesy car may occur.
Please refer to our policy wording for more details.
PERSONAL ACCIDENT
All our comprehensive policies include personal accident cover. This will give cover to you or your legally married spouse or civil partner for injury sustained whilst driving or travelling as a passenger in the vehicle insured under your Go Girl policy.
For more details on the level of cover and injuries included, please refer to our policy wording.
CHILD CAR SEAT
If you have a child’s car seat fitted in your vehicle and you are involved in an accident, or if it is damaged following a fire or theft, we will pay towards the cost of a replacement even if it doesn’t appear to be damaged.
A claim for a child car seat can only be made if you are already making a valid claim for damage to your vehicle. For more information on limits of cover please refer to the policy wording.
UNINSURED DRIVER PROMISE
If you as the policyholder or a named driver is involved in a road traffic accident with an uninsured driver, we will not reduce your no claims discount or charge you any excess in relation to the claim.
This is subject to you providing the vehicle registration, make and model of the vehicle that hit you along with the driver’s details. This only applies where the driver of your vehicle was not at fault. Please refer to our policy wording for more details.
WINDSCREEN COVER
If your windscreen and windows are accidentally damaged we will cover the cost of these being repaired or replaced. We will also cover the cost or repairing resultant scratching of the bodywork.
We will not be liable for damage to sunroofs or glass roofs. Any claim made for Windscreen repair and replacement will not prejudice your entitlement to No Claim Discount. For more information on this and the windscreen replacement excess that applies please read our policy wording.
HANDBAG COVER
If your handbag is stolen from a locked car we will, at your request, pay for any one occurrence in respect of loss of handbags and its contents.
Please do take sufficient precautions to ensure that any belongings left in the car are locked away and out of sight and the car is locked. For more information on limits of cover please refer to the policy wording
| COMPARISON OF OUR COVER LEVELS | COMPREHENSIVE COVER | THIRD PARTY FIRE AND THEFT COVER | THIRD PARTY ONLY COVER |
|---|---|---|---|
| Travel Abroad |  | | |
| Audio Equipment Cover | | | |
| Child car seat | | ||
| Personal Belongings Cover up to £150 | | ||
| Personal Accident Cover up to £5000 | | ||
| Stolen Car Replacement* | | ||
| Windscreen Cover | | ||
| Free Courtesy Car | | ||
| £200 Handbag Cover | | ||
| *Based on new car replacement only, subject to T’s and C’s | |||
OPTIONAL EXTRAS
The optional extras below can only be added to your policy at the time of purchase, there will be no option to add them after.
LEGAL COVER
Motor legal protection provides you with the peace of mind that help is on hand. You have access to a legal helpline for advice relating to any Motor Contract Dispute and you have cover in place for legal fees and expenses relating to a claim.
Legal cover includes:
- Legal fees and expenses in respect of claims for personal injury or death as a direct result of a road traffic accident, and claims for damage to your vehicle caused from a road traffic accident whilst it is in the care of your or a named driver.
- Cover up to a set limit on any one claim in a Motor Prosecution Defence if we agree that there is a genuine defence
For more information on limits of cover please refer to our policy wording.
PROTECTED NO CLAIMS DISCOUNT
We know how important it is to protect your hard earned No Claim Discount which is why at Go Girl you may be able to protect yours after just one year of claim free driving.
As long as no claim is made or arises under your Policy during any one year of insurance your renewal premium will be reduced by a No Claim Discount in accordance with the scale of discounts applicable at the renewal date.
You can continue to protect your No Claim discount as long as you do not have more than two claims in any five consecutive years.
For more information please refer to the policy wording.
BREAKDOWN COVER
We have teamed up with the RAC to offer a number of levels of Breakdown cover.
RAC ROADSIDE
Roadside assistance 1/4 mile or more away from your home address, including a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed.
This covers you for repairs at the roadside as long as you are more than a quarter of a mile away from your home. We will aim to get you back on the road but if that’s not possible we will tow you up to 10 miles to either your home or to an approved garage.
HOME START
Breakdown assistance at the roadside or at your home address, including a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed.
This covers you for repair at the roadside or at your home. We will aim to get you back on the road but if that’s not possible we’ll tow you up to 10 miles to an approved garage or to your home if the breakdown occurs away from home.
RECOVERY
Breakdown assistance at the roadside or your home address, including a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed. Recovery for up to 8 people and your vehicle to any single destination within the UK.
This covers you for breakdown at the roadside or at home. We’ll aim to get you back on the road but if that’s not possible we’ll tow you up to 10 miles to an approved garage if you are at home (or within a quarter of a mile from your home). If you at the roadside we will transport your vehicle, you and up to 7 passengers to your home or any single address in the UK. Transportation of your vehicle can also be arranged, if you are taken ill and there are no passengers to drive the vehicle
ONWARD TRAVEL
Breakdown assistance at the roadside or your home address, including a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed. Recovery for up to 8 people and your vehicle to any single destination within the UK. If your vehicle cannot be repaired at the roadside, options for onward travel are included.
This covers you at the roadside or at home. We’ll aim to get you back on the road but if that’s not possible we’ll tow you up to 10 miles to an approved garage if you are at home (or within a quarter of a mile from your home). If you are at the roadside we will transport your vehicle, you and up to 7 passengers to your home or any single address in the UK. Transportation of your vehicle can also be arranged if you are taken ill and there are no passengers to drive the vehicle
If we cannot repair your vehicle at the roadside, your onward travel will include one of the following options:
- Replacement car hire for a maximum of two consecutive days while your car is being repaired (over 21s only)
- Reimbursement of rail, air, or other public transport costs (up to £150 per person or £500 per group, whichever is less)
- One night’s B&B accommodation for up to eight people
- Special medical assistance as above, if one member of the party is taken into hospital more than 20 miles from home)
EUROPE
Breakdown assistance at the roadside or your home address, including a tow for up to 10 miles from the breakdown if your vehicle cannot be fixed. Recovery for up to 8 people and your vehicle to any single destination within the UK.
If your vehicle cannot be repaired at the roadside, options for onward travel are included.
Breakdown assistance in continental Europe includes roadside repair, recovery to local garage or repatriation.
This covers you at the roadside or at home. We’ll aim to get you back on the road but if that’s not possible we’ll tow you up to 10 miles to an approved garage if you are at home (or within a quarter of a mile from your home). If you are at the roadside we will transport your vehicle, you and up to 7 passengers to your home or any single address in the UK. Transportation of your vehicle can also be arranged if you are taken ill and there are no passengers to drive the vehicle
If we cannot repair your vehicle at the roadside, your onward travel will include one of the following options:
- Replacement car hire for a maximum of two consecutive days while your car is being repaired (over 21s only)
- Reimbursement of rail, air, or other public transport costs (up to £150 per person or £500 per group, whichever is less)
- One night’s B&B accommodation for up to eight people
- Special medical assistance as above, if one member of the party is taken into hospital more than 20 miles from home)
European Breakdown covers customers in continental Europe. In the event of a mechanical breakdown, vehicles are fixed at the roadside, recovered to a local garage for repair or repatriated. Certain motor-related legal expenses incurred as a result of an incident in these countries are also covered, as well as:
- Temporary car replacement on way to port
- Additional accommodation expenses
- Journey continuation or return home
- Replacement driver
- Accidental damage to or loss of tent
- Urgent message-relay service
- Customs claims indemnity
On return home, the policy covers:
- Collection of vehicle left abroad for repair
- Replacement car (up to £250 per claim)
- Legal costs up to £50,000 cover
- Loss of no claims discount
KEY PROTECTION
With our Key Cover you don’t need to worry if you lose your keys. We will cover your home, car and office keys, including safes, immobilisers and alarms, in the event that they get stolen, are lost or are damaged. We will also cover damage to your locks if the damage prevents you from being able to access your home, office or car.
Cover includes:
- The cost of replacement keys/locks and/or locksmith charges where no duplicate key is available
- Up to £75 per day, maximum of 3 days for transportation costs or hire vehicle charges if you are stranded at home
- 24/7 helpline assistance
- Covers all members of the family at same address
Cover is up to £1,500 a year.
For more information please refer to the policy wording.