Product FeaturesCover Level
Mercedes-Benz Insurance
Motor Insurance
This is the underwriter of the Motor Insurance product; where it states “panel” this is because the provider uses a panel of insurers.Underwriter 
If you are involved in an accident with an uninsured driver which is not your fault, our policy will not reduce your no claims bonus or ask you to pay the policy excess, subject to certain terms and conditions. Uninsured Driver BenefitNCD and Excess
In the event of your vehicle being a "total Loss" or is stolen and not recovered, our policy will provide you with a courtesy car for up to 14 days or up until your settlement cheque is received, whichever is earlier.Total Loss Courtesy Carprovided
If you purchase our optional “no claims discount protection”, you will not lose any of your no claim discount as long as no more than two claims are made in any five year period.NCD Protected Claims2 claims in 5 years or better
As part of our policy we use genuine Mercedes parts and approved repairers and we also guarantee all of our repairs for three years.Repairs Guaranteeall
Cover is provided towards the legal costs you may incur in recovering your uninsured losses such as your policy excess or claiming compensation for personal injuries you may have as a result of a non-fault accident.Uninsured Loss Recovery - Coverprovided
If your car is lost or stolen and not recovered, or is damaged and the cost of repair is at least 60% of its United Kingdom list price, subject to availability, we will replace your car with a new car of the same make and specification. This cover is given provided your car is less than 12 months old and you are the first registered keeper.New Car Replacementcovered
Our policy includes an accident transportation service to take you and your passengers away from the scene of the accident, either to your home address or your intended destination.Accident - Transportprovided
Unlike some providers who may use non-manufacturer parts when repairing your vehicle, we use genuine Mercedes parts when we repair your vehicle following a claim.Manufacturer Parts Onlyyes
If the car keys or lock transmitter of your car is lost or stolen, we will pay the cost of changing the locks/lock transmitter provided that person in possession of your keys knows where the vehicle is kept. Your No Claims Discount will not be affected as a result of claiming for this.Theft of Keys (maximum limit)£1,500 or more
If your car is not safe to drive or not 'roadworthy' after an accident you may need to be moved. Some providers will simply pay for the ‘cost’ to remove your car, but you would have to make the arrangements yourself. Our policy includes a 24/7 accident recovery service which will arrange and pay to recover your car to the nearest Mercedes-Benz Approved Repairer.Car Rescue Coverservice
Courtesy cars are provided when your own vehicle is being repaired. This service is provided to ensure that you will be able to continue with your normal day to day activities without disruption. Some insurers provide this cover as an ‘optional’ extension which will incur an extra cost. Our policy provides you with a courtesy car as ‘standard’ and this will be, as a minimum, a small 1.0L vehicle with 3 doors.Courtesy Carprovided
If the car keys or lock transmitter of your car is lost or stolen, we will pay the cost of changing the locks/lock transmitter provided that person in possession of your keys knows where the vehicle is kept. Your No Claims Discount will not be affected as a result of claiming for this.Loss of Keys (maximum limit)£1,500 or more
We will pay up to £500 for any of your personal belongings that are lost or damaged by fire, theft or an accident whilst in or on your car.Personal Belongings£400 or more
If you intend to use your car in most European countries, we will provide you with the same cover that you have when driving in the United Kingdom. Some Insurers charge you extra to do this, but our policy provides you with up to 90 days of free foreign use cover in any one trip.Foreign Use-Max Free Days90 Days or more
We will pay for the full cost of replacement of all manufacturer and dealer fitted audio equipment if it is damaged or stolen following an accident fire or theft.Audio Limit - Manufacturerunlimited
We will pay for the full cost of replacement of all manufacturer and dealer fitted telecommunications equipment if it is damaged or stolen following an accident fire or theft.Sat. Nav Limit - Manufacturerunlimited
Following a claim for an accident, fire or theft we will contribute up to £100 per child seat towards the cost of replacement even if there is no apparent damage.Child Car Seat Claims BasisFull Replacement with £ limit
Key:
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- Meets or exceeds the level of cover selected
- Level of cover selected can be offered as an optional extra
- Does not meet the level of cover selected
While every attempt has been made to ensure the accuracy of the data shown, products can change and Defaqto advises that you check the issues most important to you if you proceed with the purchase of the contract.



20 August 2019