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Compare your cover – what's covered, what’s not

No matter who’s at fault, both options cover you if you damage your car, someone else’s car, or injure someone in an accident.

Silver has those essentials covered – but Gold is top tier for a reason. You’re covered for the must-haves, and so much more.

Comparison table between silver and gold car insurance cover
The features	Silver	Gold
The features Damage from uninsured drivers, covered If it’s their fault and you have their info, it won’t impact your no claims discount – and there’s no excess either.	Silver	Gold
The features Cover for damage, fire and theft If you’ve had an accident while driving, the damage is covered. And if your car’s damaged by theft or fire, it’ll be repaired or replaced too.	Silver	Gold
The features Other people’s cars and property, covered Accidently damage someone’s car or property? Then the repair costs are covered.	Silver	Gold
The features Courtesy car When you make a valid claim, you’ll get a three-door courtesy car to keep you moving.	Silver	Gold
The features Windscreen cover Repair or replace your glass windscreen or windows if they’re chipped, cracked or shattered.	Silver	Gold
The features Personal accident cover If an accident happens, you’re covered for anyone in your car who’s seriously injured or dies, up to £5,000.	Silver	Gold
The features Drive other cars If the owner’s given you permission and the other car’s insured, you can drive it. But you'll only have third-party cover, meaning only other people, cars and properties are covered if there’s an accident. This cover is subject to eligibility.	Silver	Gold
The features Personal things, covered You’re covered for personal items, like a fitted dash cam and mobile phone, up to £300.	Silver	Gold
The features Cover for your keys Whether you’ve lost your keys, they’re damaged, or stolen, you’re covered for up to £2,500.	Silver	Gold
The features Onward travel and overnight accommodation You’re covered for costs up to £500 if your car’s stolen or damaged. So you won’t be stuck for long.	Silver	Gold
The features Drive abroad Get similar cover for 90 days when you drive in over 35 countries, so you can drive abroad like you do at home.	Silver Silver will only give the minimum cover you need by law to use your car in these countries.	Gold
The features Misfuelling cover Get the wrong fuel drained, flushed, and refuelled right.	Silver	Gold
The features Child car seat cover Little one’s seat damaged by something we cover? We’ll give you £300 per seat, so you can buy new ones.	Silver	Gold

Terms, conditions and exclusions apply. If you make a claim, you may need to pay an excess and it may affect any no claims discount you’ve built up.

Extra cover, extra reassurance

To ease your mind, you can add on optional extras – for those just-in-case moments.

Terms, conditions and exclusions apply to all benefits.

Get into the ins and outs of your policy expandable section

Dig deeper into your cover with the insurance product information documents.

Gold cover insurance product information (PDF, 114KB)

Silver cover insurance product information (PDF, 117KB)

Let’s look at the figures

Get the answers from the Help Hub

If your policy starts with 9, you can find the answers to your questions, without having to dial a single number. You’ll be taken to AXA Insurance UK Plc’s website with a new privacy and cookie policy.

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Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

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Damage from uninsured drivers, covered

Cover for damage, fire and theft

Other people’s cars and property, covered

Courtesy car

Windscreen cover

Personal accident cover

Drive other cars

Personal things, covered

Cover for your keys

Onward travel and overnight accommodation

Drive abroad

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Child car seat cover

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Protected no claims discount

Courtesy car upgrade

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