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).

Bank of Scotland 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.

Car insurance optional extras

Want extra peace of mind? You can upgrade your car insurance policy from our range of additional cover options. Here are the optional upgrades you can choose from:
 

Guranteed Replacement Car Cover
RAC Breakdown Cover
Motor Legal Protection
Keycare Cover
No Claims Discount Protection (NCD)
 

Terms, conditions and exclusions apply to all benefits. Normal Excess applies and No Claims Discount may be affected.

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No Claims Discount Protection

No Claims Discount Protection is provided and administered by BISL Ltd.

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.

Guaranteed Replacement Car Cover

Add Guaranteed Replacement Car Cover, to cover you if your car is stolen or written off, or is no longer driveable following a fire, theft or accident claim.

Rely on all this:

A car quickly supplied from a leading national network as long as you claim within 14 days. Use of 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.

How is Guaranteed Replacement Car cover different to courtesy car cover?

Courtesy car cover won’t be available to you if your car is stolen or written off, it is dependent on a car being available from the garage and is only available with Comprehensive cover.

A refundable fuel deposit required when obtaining the replacement car. Only available in the UK or Isle of Man.

Terms, conditions and exclusions apply to all benefits. Please refer to the Guaranteed Replacement Car cover Insurance Product Information Document (PDF, 116KB) for more information.

Guaranteed Replacement Car Cover is administered by ACM ULR Limited and underwritten by UK General Insurance Limited, on behalf of Watford Insurance Company Europe Limited.

Motor Legal Protection

Our motor legal protection is here to support you and there’s a legal helpline available 24/7.

If an accident 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 eg 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 aren't more than the amount you are claiming, a solicitor will be instructed to act on your behalf.

You also get motor prosecution defence cover if you are facing suspension or disqualification of your driving licence. You get 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, 116KB) for more information.

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

Keycare Cover

Add Keycare cover and you'll get the following benefits if you lose your keys:

  • Call out and cover anywhere in the EU up to £1000
  • 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, 116KB) for more information.

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

RAC Breakdown Cover

RAC logoRAC 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. RAC Breakdown Cover offers different levels of cover you can choose from, including:

  • RAC Roadside Assistance - assistance at the roadside if you’ve broken down more than a quarter of a mile from home
  • At Home - assistance if your vehicle doesn’t start and is within a quarter of a mile of your home
  • Breakdown Recovery - 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 Cover - covers you for travel in European countries.

Cover level

Insurance Product Information Documents

Cover level

RAC Roadside Assistance

Insurance Product Information Documents

Cover level

RAC Roadside Assistance + Recovery

Insurance Product Information Documents

Cover level

RAC Roadside Assistance + Recovery & At Home

Insurance Product Information Documents

Cover level

RAC Roadside Assistance + Recovery, At Home & Onward Travel

Insurance Product Information Documents

RAC Breakdown Cover is provided by RAC Motoring Services.

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.

Bank of Scotland Car Finance

If you’re 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