Non-Insurance services

Helplines & Advice

Extra support services included with many insurance policies (often at no extra cost).

Private Motor Insurance

• 24‑hour helpline

• Help after accidents or breakdowns

• Parts and labour usually paid by the policyholder

• Recovery costs may be covered if accident is insured

Household Insurance

• Legal advice: help with disputes (e.g. consumer, employment)

• Emergency services: immediate help for damage, danger, or loss

• Glazing service: discounted replacement of broken windows/doors

Travel Insurance

• 24‑hour medical emergency assistance

• Advice and organisation of overseas treatment

• Arranges repatriation if needed

Pet Insurance

• Help finding UK/overseas vets

• Veterinary and legal advice

• Bereavement support and help replacing a pet

• Early advice may reduce vet costs

Authorised repairers:

Insurer‑approved contractors ensuring quality repairs, lower costs, and workmanship guarantees (especially in motor insurance).

Authorised suppliers:

Insurer‑approved suppliers used to replace damaged property, mainly in household contents claims, instead of cash settlement.

Risk control & advice:

Insurers and intermediaries give risk management advice to reduce claims; some intermediaries offer wider, specialist support depending on expertise and agreements.

Association of British Insurers (ABI):

Produces consumer guidance on insurance basics, safety, and common risks, with downloadable fact sheets and industry codes.

Fire Protection Association (FPA)

Provides specialist fire safety advice and guidance, including fire risk assessment tools for businesses.

Environment Agency (EA)

Provides flood risk guidance and protection and issues flood warnings via apps, texts, and calls across the UK.

Requirements vs. recommendations:

Requirements must be met for cover; recommendations improve risk and may earn a premium reduction if completed.

Uninsured loss recovery:

Help provided by insurers, intermediaries, solicitors, or accident management companies to recover losses not covered by motor insurance, often on a no‑win, no‑fee basis.