MyCover Total Loss

Accidents can lead to more than just vehicle being written off. With MyCover Total Loss, protect yourself from expensive settlements and legal fees if you're held liable for damage or injury.

Why choose our insurance?

Cover for towing and storage with a valid total loss claim

Cover for third party liability up to a specific amount

Cover for retail value of your vehicle in case of total loss

Features and benefits

Provides a payout when your vehicle is written off, giving you clarity about what support you can expect.

 

Uses a clear and consistent process to determine when your vehicle is a total loss, helping you trust the outcome of your claim.

 

Handles total loss claims in a straightforward way, making it easier for you to navigate the process during an already stressful time.

What is covered?

Accidental total loss: Cover if your vehicle is damaged beyond repair or stolen and not recovered.

 

Natural disasters and fire: Protection against damage from fire, lightning, explosions, storms, floods, or hail.

 

Legal liability: Compensation for injury or property damage to others due to an accident involving your vehicle.

What is not covered?

Vehicles used for hire, towing, racing, competitions, or carrying hazardous materials.

 

Drivers who are unlicensed, under the influence of alcohol or drugs, or using the vehicle unlawfully.

 

Mechanical or electrical breakdowns, wear and tear, rust, corrosion, or damage to tires or suspension from road conditions.

How do I know if I am eligible?

To be covered under the policy, your vehicle must follow the below criteria:

Must be a car, motorcycle or light delivery vehicle.

 

Must be roadworthy.

 

Must be for private use only.

 

Must not be a taxi, rental vehicle, exotic vehicle, rebuilt vehicle (code 3), modified vehicle or a vehicle used in any form of motoring competition or sport.

Simple, fast claims process.

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Log your claim

Call 0800 333 111 to log your claim. We’ll guide you on the next steps.

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Submit documents

Provide us with all the required documents.

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Leave the rest to us

Our team will assess your claim and keep you updated every step of the way.

To learn more about the claims process visit this page.

Ready to apply?

Get started