Included in any motor related product purchased. If you are involved in a motor accident our own designated claim line is here to help you 24 hours a day 365 days a year. Motor accidents are always stressful especially if you or a passenger has been injured. If you have an accident which is caused by a third party you have a legal right to claim back your uninsured losses from the person who caused the accident. These can include compensation if you or any passenger is injured, compensation in the event you or a passenger suffer from fatal injuries, recovery of your policy excess if this has to be paid to your insurer, hire charges for a replacement vehicle while yours is being repaired or compensation if you are unable to use your vehicle, accident repair costs or compensation for damage to clothes, luggage or personal belongings.