Insuring your vehicle with Sandown

Motor Insurance

Mercedes-Benz Motor Insurance features include:

  • Guaranteed repairs at a Mercedes-Benz Approved Repairer, using genuine Mercedes-Benz parts
  • 24/7 UK accident recovery to your nearest Mercedes-Benz Approved Repairer
  • UK call centre
  • 180 days' cover as standard for temporary visits to most of mainland Europe (up to 3 months in one trip)
  • Unlimited cover for in-car audio and telecommunication equipment (including COMAND systems), fitted by the factory or Retailer
  • Your 'No Claims Bonus' is unaffected if you are involved in an accident with an uninsured driver which is not your fault
  • Courtesy car as standard
  • Defaqto 5 Star Rated product with high levels of features and benefits.

Exclusions:

  • You are taking demonstration vehicles for a test drive.
  • You are using the vehicle as a courtesy car.
  • You are not a permanent resident in the UK.
  • You are having your vehicle transported/exported abroad.
  • You are insuring your Mercedes-Benz vehicle through a fleet or a motor traders policy.
  • You have the vehicle registered to a Limited Company.
  • The vehicle has already been delivered.
  • You are over 84 years of age.
  • You are using the vehicle for driving instruction.
  • You are using the vehicle for Chauffeur or Taxi usage.

First Cover Insurance

With First Cover, you can drive away with 7 days free comprehensive Motor Insurance when you buy a new or used Mercedes-Benz from a Mercedes-Benz Retailer.

Mercedes-Benz First Cover features include:

  • Guaranteed repairs at a Mercedes-Benz Approved Repairer, using genuine Mercedes-Benz parts
  • 24/7 UK accident recovery to your nearest Mercedes-Benz Approved Repairer
  • UK call centre
  • Unlimited cover for in-car audio and telecommunication equipment (including COMAND systems), fitted by the factory or Retailer
  • Your 'No Claims Bonus' is unaffected if you are involved in an accident with an uninsured driver which is not your fault
  • Courtesy car as standard
  • New Car Replacement - if you've owned your vehicle from new, and it's written off or stolen and not recovered in the first 12 months of purchase, we will replace it with a new vehicle of the same make, model and specification
  • Uninsured Loss Recovery up to £100,000
  • Personal belongings covered up to £500
  • We will pay for the replacement of locks and keys if your keys are lost or stolen.

Exclusions:

  • You are taking demonstration vehicles for a test drive.
  • You are using the vehicle as a courtesy car.
  • You are not a permanent resident in the UK.
  • You are having your vehicle transported/exported abroad.
  • You are insuring your Mercedes-Benz vehicle through a fleet or a motor traders policy.
  • You have the vehicle registered to a Limited Company.
  • The vehicle has already been delivered.
  • You are over 84 years of age.
  • You are using the vehicle for driving instruction.
  • You are using the vehicle for Chauffeur or Taxi usage.

Tyre and Alloy Insurance

Tyre and Alloy Insurance has been designed to help you keep your tyres and alloys in showroom condition.

Why choose Tyre and Alloy Insurance?

  • We offer 12, 24, or 36 month policy terms to complement the length of time you plan to keep your Mercedes-Benz
  • You're covered for accidental or malicious damage to your tyres and alloys
  • The duration of your cover determines the number of manufactured alloy replacements for which you can claim
  • European cover as standard
  • When making a claim, your motor insurance no claims bonus will not be affected
  • A £25 excess is payable for each claim per tyre and/ alloy you make
  • The insurer will replace alloy wheels to Mercedes-Benz specifications, with a re-manufactured alloy wheel
  • Cover available for wheels up to and including 23 inch
  • Covers 5 tyre replacements during the policy term you have selected.

Exclusions:

  • Any claim where at the time of damage the tyre tread depth is less than 2mm across any tread area of the tyre.
  • Any malicious damage claim, which is not accompanied by a valid and substantiated crime reference number.
  • Theft of the tyre(s).
  • Tyre(s) which are not ‘E’ Marked and any claim where there has been an attempt to remove the serial number or other identifying marks from the tyre(s). Where it is discovered that the policy was purchased more than 30 days following the delivery date of the vehicle. Alloy
  • Alloy wheels that are aftermarket fitment or not of the original specification for the vehicle. General wear and tear, corrosion, pitting, discolouration, tar staining, neglect or cracked or buckled wheels.
  • Theft of the alloy wheel(s).
  • Damage present on an alloy wheel prior to the commencement of the policy.
  • Alloy wheel(s) of split rim construction, with a machine polished (chrome effect) finish, or with a recessed, rebated or raised profile to the rim section.
  • Plastic trims attached to the alloy wheel are also excluded (and must be removed prior to any repair to any covered alloy wheel).
  • Damage caused by driving the vehicle while the tyre is deflated; or a replacement tyre being fitted to the alloy wheel. Any claim which is the subject of fraud, false actions or dishonesty; where the loss is covered by any other insurance; or where it is discovered that the policy was purchased more than 30 days following the original purchase date of the vehicle

Minor Damage Insurance

The insurance covers minor dents, chips, light scratches and scuffs, meaning you may not need to claim on your motor insurance policy.

Minor damage insurance has many features, these include:

  • Policy terms available from 12 to 48 months, which can complement the term of your finance agreement
  • A contribution of up to £250 towards a Body shop repair, in the event that the damage is too severe for Minor Damage repair techniques
  • A total claims limit of £3,000 in repairs throughout the policy lifetime
  • Nationwide cover on all mobile repairs
  • The Mercedes-Benz Cars UK paintwork warranty will not be invalidated by repairs
  • Repairs do not invalidate the Mercedes-Benz warranty
  • Repairs are carried out at a convenient time and place for you
  • Cover for minor dents, light scratches or scuffs to the exterior of the vehicle that does not exceed 15 cm in diameter. Chips are covered up to 1.5 mm in diameter.

Exclusions:

This insurance will not cover Minor Cosmetic Damage: That cannot be defined as a Light Scratch, Chip, Scuffed Bumper or Minor Dent or any Minor Cosmetic Damage where a Cosmetic Repair is not technically possible.

  • To horizontal flat surfaces, roofs, bonnets and boot tops where the Repairer deems it not possible to achieve a satisfactory finish using Cosmetic Repair or Touch-in Repair techniques.
  • To paint colours and finishes that cannot be suitably matched by the Repairer. These include but are not limited to specialist, non-standard and exclusive paint colours and finishes, for example: self-healing paint, body wrap, chrome illusion paint, two tone paint finish or matt finishes.
  • To any body panel or part of a panel that has been distorted, ripped, torn, or perforated. Caused by hail, rust, pitting or paintwork discolouration. That requires replacement of any body panel or part of a panel.
  • Reported to the administrator more than 30 days after the Incident. Any claim where it is discovered that the policy was purchased more than 30 days following the delivery date of the vehicle.

GAP (Guaranteed Asset Protection) Insurance

If your vehicle were to be written off by your motor insurers and they only paid out market value, this is where GAP Insurance would come in. This insurance can cover the shortfall between that motor insurance pay-out and the original invoice purchase price when you first took ownership of the vehicle.

Cash buyers: GAP Insurance makes up any shortfall between your motor insurance settlement offer and the original purchase invoice price.

Finance: GAP Insurance makes up any shortfall between your motor insurance settlement offer and the original purchase invoice price, or if greater the shortfall between the finance settlement.

Features of the GAP policy we can offer you include:

  • Choose from 12 to 48 months’ cover; customers who lease their vehicle can choose up to 60 months cover
  • If you are a taxi, courier or chauffeur driver, we have cover available
  • Peace of mind that we deal with your claim on your behalf
  • We will cover your excess up to £250 whether the claim is your fault or not.

Exclusions:

  • Used as an emergency or military vehicle, courier or delivery vehicle, invalid carrier or driving instruction vehicle.
  • Used for hire or reward of whatsoever nature, or as a taxi.
  • Used for track days, road racing, rallying, pacemaking, speed testing or any other competitive event.
  • A scooter, motorcycle, touring caravan, non-United Kingdom specification vehicle or not built for principal sale in the United Kingdom or classed as a Grey Import, kit car, bus, coach, commercial vehicle more than 3.5 tonnes, truck or a heavy goods vehicle.
  • Owned by a garage, vehicle trader or any other associated vehicle trade company
  • We will not cover: Any premium owed that is deducted from the settlement by the Motor Insurer of a total loss claim on the vehicle.
  • Any Motor Insurance excess above £250 that is deducted from the settlement by the Motor Insurer of a total loss claim on the vehicle.