O2 Drive

We offer three levels of insurance. Comprehensive, commonly known as fully comp, gives you the most cover. Third Party, Fire and Theft is our mid-level cover. And Third Party Only is the most basic. Take a look below to see what's covered in each one.

Comprehensive

• 24 hour claims helpline
• Covers you for 60 days in total for the insurance year if you travel within the European Union (at the same level of cover you have in the UK).
• Damage or injury to other people and their property.
• Protected no claims discount can be chosen at additional cost.
• Legal costs - Covers solicitor's fees for any coroner's inquest, fatal accident inquiry or magistrates court, as well as other legal costs authorised by the insurer. Conditions apply.
• Fire and theft
• Accidental damage
• New car replacement - If loss or damage occurs within 12 months from the date it was first registered, and the cost of repair is more than 60% of the cost of buying an identical new car.
• Repairs guaranteed for three years when using an approved repairer for insurance claims.
• Vandalism protection - No claims discount won't be lost if your car is vandalised.
• Windscreen damage
• Personal possessions cover up to £500
• Medical expenses up to £200
• Replacement child car seats – If your car's involved in an accident or damaged following a fire or theft, this provides cover towards the cost of a replacement seat even if there's no apparent damage. The insurer will pay up to £150.
• Personal accident
• Courtesy car when using an approved repairer subject to availability.
• Theft of keys cover – Up to £500 towards the cost of replacing door/boot locks, ignition lock and keys. Conditions apply.
• Uninsured driver promise - If you're hit by an uninsured driver, your insurer will refund the cost of any excess you have to pay. If the accident isn't your fault you won't lose your no claims discount.

Conditions and exclusions apply. For full details of what's included with your cover, check the policy documents.

Third Party, Fire and Theft

• 24 hour claims helpline
• Damage or injury to other people and their property
• Protected no claims discount can be chosen at additional cost.
• Legal costs - Covers solicitor's fees for any coroner's inquest, fatal accident inquiry or magistrates court, as well as other legal costs authorised by the insurer. Conditions apply.
• Fire and theft
• New car replacement - If loss or damage occurs due to fire or theft within 12 months from the date it was first registered, and the cost of repair is more than 60% of the cost of buying an identical new car.
• Repairs guaranteed for three years when using an approved repairer for insurance claims.

Conditions and exclusions apply. For full details of what's included with your cover, check the policy documents.

Third Party Only

• 24 hour claims helpline
• Damage or injury to other people and their property
• Protected no claims discount can be chosen at additional cost.
• Legal costs - Covers solicitor's fees for any coroner's inquest, fatal accident inquiry or magistrates court, as well as other legal costs authorised by the insurer. Conditions apply.

Conditions and exclusions apply. For full details of what's included with your cover, check the policy documents.