Car insurance

Nationwide car insurance is provided by Liverpool Victoria Insurance Company Limited (LV=). Nationwide car insurance offers you the flexibility to tailor your cover to suit your needs. The cover can provide everything you would expect from Nationwide, offering the benefits of:

• Up to 75% no claim discount
• Online discount (available for new policies)
• UK-based call centre
• Friendly and efficient 24-hour claim service
• Guaranteed Courtesy Car *
• Cover for up to 180 days when travelling in EU Countries*

* excludes Third Party Only policies.

On top of these standard features, you can then choose from a range of optional extras to create the right level of car insurance cover to suit you:

• Protected or Guaranteed No Claims Discount

  If you have earned four or more years No Claims Discount, you have the opportunity to guarantee or protect it.

  • you can choose to guarantee it for the entire life of the policy;
  • or protect your No Claims Discount; ensuring that you won't lose your hard-earned discount as long as no more than two claims are made in a five year period.

• Motor Legal Expenses up to £100,000

  This option covers you for up to £100,000 which can be used to pay either:

  • Reasonable legal costs to defend you against a motoring prosecution (in an incident when you were using your car);
  • To pursue a civil claim for the recovery of uninsured losses due to an accident involving your car resulting in your injury or death.

• Personal accident cover up to £100,000

  The standard comprehensive insurance covers you, your spouse or civil partner up to £10,000 if you sustain injury whilst travelling in, or getting in or out of any car which, within 90 days, results in:

  • Death;
  • Complete and irrecoverable loss of sight in one or both eyes; or
  • Permanent loss of limbs.

  With extended cover, comprehensive policy holders can choose to increase this level of cover to £100,000, allowing greater peace of mind.

• Road Rescue

  Road Rescue breakdown cover offers a choice of 5 levels of breakdown cover:

  • Roadside Assist;
  • Roadside & Home Assist;
  • UK Recovery;
  • UK Recovery & Home Assist; or
  • UK & European Assist.

  The basic cover includes roadside assistance, as long as the breakdown is more than quarter of a mile from your home, no call out charge, recovery to a garage or your chosen destination, if within 10 miles of the breakdown, and assistance with windscreen and tyre replacement. You can build upon this with other levels of cover to find the right package to suit your needs.

  You can also choose to add Road Rescue Personal Cover, which extends the breakdown cover you have in the UK to any car you or your spouse/partner are driving or are a passenger in at the time of breakdown in the UK.

If you would like to know more about the full breakdown of the car insurance benefits, take a look at the comprehensive car insurance Summary of cover table.

Nationwide customers who are in receipt of valid car insurance quotes issued before 1 December 2008 should note if they wish to retrieve these quotes they should call Churchill Insurance Company Limited on 0800 092 0804. From 1 December 2008 customers can apply for Nationwide car insurance, provided by Liverpool Victoria Insurance Company Limited.

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