Car insurance optional extras

Look at our range of additional car insurance covers. You can tailor your policy with additional covers to suit your individual needs (extra charges apply).

Lloyds Bank Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited. When getting a quote online you’ll be taken to BISL Limited’s online site with a new privacy and cookie policy.

Get extra protection today

Need extra protection? You can tailor your policy with our additional car insurance covers.

You can choose from:

Terms, conditions and exclusions apply.

Get a quote today

If you'd prefer to speak to someone, please get in touch.

Lines are open Monday-Friday 8am-8pm, Saturday 8am-6pm, Sunday and Bank Holidays 10am-4pm.

Guaranteed Replacement Car Cover

We know your car is important to you so you can add Guaranteed Replacement Car Cover. It covers you if your car is stolen or written off, or is no longer driveable following a fire, theft or accident claim.

With Guaranteed Replacement Car Cover, you get:

  • a car promptly and efficiently from a leading national network, as long as you claim within 14 days
  • use of this car for up to 28 days
  • when yours has been stolen or written off
  • whilst waiting for a courtesy car to become available
  • when yours is not driveable following a fire, theft or accident claim.

Terms, conditions and exclusions apply to all benefits. Please refer to the Guaranteed Replacement Car Insurance Product Information Document (PDF, 417KB).

Keep in mind: Guaranteed Replacement Car Cover is different to courtesy car cover as courtesy car cover won’t be available to you if your car is stolen or written off. Courtesy car cover is also dependent on a car being available from the garage, and is only available with comprehensive cover.

A refundable fuel deposit is required when obtaining the replacement car. This cover is only available in the UK or Isle of Man.

Guaranteed Replacement Car Cover is administered by ACM and underwritten by ARAG plc, a Coverholder of the insurer ARAG Allegemeine Vesicherungs - AG Branch United Kingdom.

Get RAC Breakdown Cover

RAC Breakdown Cover ranges from basic roadside assistance, to more extensive options that also provide cover at home. There's even cover options for breakdown service in Europe. Plus, all vans carry electric charging units should you run out charge.

Levels of cover

Breakdown Cover comes with certain services and levels. These include:

  • Roadside Assistance: assistance at the roadside if you’ve broken down more than a quarter of a mile from home.
  • At Home: you get assistance if your vehicle doesn’t start and is within a quarter of a mile of your home address.
  • Recovery: you get transport for you, your vehicle and up to seven passengers to your home or any other (single) UK destination, if the RAC can’t arrange a prompt local repair.
  • Onward Travel: includes car hire, payment for public transport and even hotel accommodation if you need it to complete your journey.
  • EU: covers you for travel in European countries.
Breakdown cover and annual charges

Cover level

Insurance Product Information Documents

Cover level

Roadside Assistance

Insurance Product Information Documents

Cover level

Roadside + Recovery

Insurance Product Information Documents

Cover level

Roadside + At Home + Recovery

Insurance Product Information Documents

Cover level

Roadside + At Home + Recovery + Onward Travel

Insurance Product Information Documents

RAC Breakdown Cover is provided by RAC Motoring Services.

Terms, conditions and exclusions apply to all benefits. For more information please refer to the relevant Insurance Product Information Document.

Motor Legal Protection

As the driver, both you and your passengers could be left out of pocket following an accident. Our motor legal protection is here to support you. The 24/7 legal helpline means there's always someone at the other end of the phone to offer assistance. If you have an accident that wasn’t your fault, our motor legal protection policy provides cover for up to £100,000 of legal expenses to help with:

  • obtaining compensation for personal injury and medical expenses
  • recovering losses resulting from the accident (e.g. policy, excess, loss of earnings, phone bills and travel costs)
  • recovering repair costs if not already covered by comprehensive car insurance
  • recovering vehicle hire charges.

As long as there are reasonable prospects of you winning your case and the estimated legal costs don’t outweigh the amount you're claiming, a solicitor will be instructed to act on your behalf, giving you peace of mind and a hassle-free solution when you need it most.

You'll also receive motor prosecution defence cover if you're facing suspension or disqualification of your driving licence. You'll receive up to £20,000 of legal expenses to help with your case, as long as there is a reasonable chance of avoiding suspension or disqualification. This cover doesn’t include fines or penalties or any charges relating to alcohol or drugs.

Terms, conditions and exclusions apply to all benefits. Please refer to the Motor Legal Protection Insurance Product Information Document (PDF, 210KB).

Motor Legal Protections is administered by ACM ULR Limited. The Legal Expenses element is underwritten by RAC Insurance Ltd.

Get Keycare Cover

It’s easy for car keys to go missing, which is why we offer Keycare cover. Just attach a Keycare fob to your keys and Keycare will come to the rescue when you need it. No matter when you lose your keys, Keycare will be there to help.

With Keycare Cover, you benefit from:

  • Call out and cover anywhere in the European Union up to £1,000
  • Cover if you lock your keys inside your car or home. Including locksmith charges, car hire for up to 3 days and replacement keys (within the annual limit per policy year)
  • A 24/7 helpline – no matter when you lose your keys, Keycare will be there to help. Please remember to let us know if you have lost your keys within 30 days
  • Cover for the immediate family members (Grandparents, parents, spouse, civil partner, live-in partner, child or step child) who live at your address
  • No excess to pay, and Keycare claims won’t affect your no claims discount
  • A £10 reward paid by Keycare to anyone who finds and returns your keys.

Terms, conditions and exclusions apply to all benefits. Please refer to the Keycare Insurance Product Information Document (PDF, 210KB).

Keycare is arranged by BISL Limited, administered by Keycare Limited and underwritten by Ageas Insurance Limited.

No claims Discount Protection (NCD)

No Claims Discount (NCD) is a discount applied to your Car Insurance premium for the number of years in which you haven’t made a claim to your policy. For each year you’re insured without making a claim you’ll earn another year’s NCD, up to a maximum of nine years (minimum premiums apply). To find out your number of NCD years, please look on your latest renewal invitation from your Car Insurance provider.

If you have 4 or more years NCD you may be able to protect the number of years discount you have accumulated for an additional cost by purchasing No Claims Discount Protection. With NCD Protection, you are able to make two fault claims within a three year period without it reducing the NCD applied to your policy premium.

If selected, the cost of No Claims Discount Protection will be calculated as a percentage of the insurance policy premium. The stand-alone price for this additional option will be displayed on your price presentation page.

No Claims Discount Protection:

  • allows you to make two fault claims within a three year period without it reducing the NCD applied to your policy premium.
  • does not protect the overall price of your insurance policy. The price of your insurance policy may increase following an accident even if you were not at fault.

Lloyds Car Finance

If you are in the market to buy a new or used car, or to switch your current car finance, have a look at our car finance options.

Find out more about car finance

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