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Theft protection

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How it works

Most policies these days will usually provide some provision for a courtesy vehicle. This is typically provided by comprehensive policies which are subject to you utilising your insurer’s approved repairer network and depends on availability of a courtesy vehicle.

This policy removes the uncertainty of access to a replacement vehicle for specific incidents and provides you with continued independence and the cost of alternative means of travel.

The Cover

This policy will pay for the cost of hiring a replacement vehicle or provide you with a temporary replacement vehicle should your vehicle be either stolen, undrivable following attempted theft, arson, criminal damage or interference, or deemed a total loss.

  • Replacement car or van
    You can choose a class of vehicle and period of hire to suit your needs ranging between 14-28 days and Class A to Class D (or CV1 to CV3) vehicles.
  • Maximum number of claims
    Two claims can be made during the policy period.
  • A 14-day cooling-off period
    During this time the premium will be refunded in full subject to no claims having been made.

Main Conditions

  • You must first accept a replacement vehicle if offered by your insurers via an approved courtesy car facility.
  • A third party, fire and theft insurance policy must be in force against which a claim must have been reported and claim reference obtained.
  • Reasonable steps must be taken to mitigate the cost of a claim.
  • All incidents, with the exception of road traffic accidents, must be reported to the Police and obtain a crime reference number.
  • You must satisfy the age and licensing rules of the hire company that is chosen and must follow any conditions of hire.
  • Replacement Vehicle claims must be reported to Nice 1 Ltd.

Significant exclusions and limitations

  • The premium is not refundable after the 14 day cooling-off period.
  • There is a 48 hour exclusion period if this policy is not taken out at the same time as the primary comprehensive insurance policy.
  • Vehicle hire costs incurred before a claim is accepted are not covered.
  • Fuel, fares, fines and penalties relating to hire vehicle are not covered.
  • Claims relating to theft of contents or belongings from the vehicle are not covered.
  • Claims resulting from theft or vandalism that have not been reported to the Police are not covered.
  • There is a £30 policy excess for each and every claim
  • A valid Driving Licence (with no more than one 6-month period of disqualification) must be held.
  • The policy cannot be transferred to another vehicle, if you sell your vehicle cover will end.


Nice 1 Limited deliver the service Cover is underwritten by Great Lakes Reinsurance (UK) SE.

*Premium includes Insurance Premium Tax (IPT) at the current prevailing rate.

This represents the typical cost of the basic product – other options with increased levels of protection are available to suit individual needs.