You can still sell our GAP Insurance!

Despite the press reports suggesting that GAP has been withdrawn, it has not been withdrawn from brokers, so our products are still available to you and your customers.

Following the recent FCA announcement we would like to assure you that Nice 1 and its insurers have been unaffected; therefore, we are still open for GAP business and our policies are fully compliant and available to your clients.

Because dealerships are prohibited from selling GAP, this presents a major opportunity to promote GAP for March’s new vehicle sales.

If you are in any doubt or have any queries please contact Andy Acton on 07977 555431.


Yours faithfully

The Nice 1 team.

Breakdown Cover

Breakdown cover that gets you back on the road when you breakdown.

In the fast paced life that we now find ourselves in, when we’re usually travelling to meet one sort of deadline or another, there is nothing more annoying and stressful than your vehicle breaking down en route.

Nice 1 offers breakdown cover supported by a year round 24 hours a day helpline, designed to get you up and running as quickly as possible.

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There are 5 breakdown products on offer to residents of the UK, the Isle of Man, and the Channel Islands (territorial limits (UK)), giving you the ability to tailor cover to your needs. None of them attract additional policy excess charges and all apply to personal cars, motorcycles and light commercial vehicles up to a Gross Vehicle Weight of 3.5 tonnes.

Cover can be provided for one vehicle within the UK and Europe (territory definitions can be found in the FAQs and policy wording) for a period of one year. The maximum total cover is £5,000 in each policy term.

Brief summaries of the 5 options follow but please ensure that you read the FAQs and policy wording for a full description of the cover on offer to ensure its suitability for you.

Standard Recovery - Roadside Assistance & Local Recovery - territorial limits (UK)

In the event of a breakdown which occurs more than 3/4 mile from your home address, the claims administrator will send help to the scene of the breakdown and arrange to pay callout fees and mileage charges needed to repair or assist with the vehicle.

Cars and motorcycles can be up to 15 years old at the time of application, and light commercial vehicles can be up to 10 years old.

If, in the opinion of the roadside agent, your vehicle is unrepairable at the roadside within 60 minutes, the claims administrator will assist in the following way: - Either:

  • Arrange and pay for your vehicle, you and your passengers to be recovered to the nearest suitable garage which can undertake the repair, provided this is 20 miles or less from the scene of the breakdown, or
  • If the above is not possible at the time, or, the repair cannot be made within the same working day, the claims administrator will arrange for your vehicle, you and your passengers to be transported to your home or chosen destination provided this is 20 miles or less from the scene of the breakdown.

Any recovery must take place at the same time as the initial callout otherwise you will have to pay for subsequent callout charges.

Message Service
If you require, the claims administrator will pass on two messages to a friend, a family member or work to let them know of your predicament and ease your worry.

Recovery Plus - Roadside Assistance & Local Recovery and Home Assist – territorial limits (UK)

This includes all the same benefits as the Standard Recovery, with the addition of home assist and the benefits of alternative transport and emergency overnight accommodation.

The claims administrator will send help to your home address or within 3/4 a mile radius of your home address in the event your vehicle suffers a breakdown (home assist).

Alternative Transport
The claims administrator will pay up to £260 towards the cost of alternative transport or vehicle hire, to allow you to complete your original journey and up to £100 towards the cost of alternative transport for one person to return and collect the repaired vehicle (must be standard class).

Emergency Overnight Accommodation
The claims administrator will pay a maximum of £150 for a lone traveller or £75 per passenger when not travelling alone, for one night on a bed and breakfast basis, whilst your vehicle is being repaired. The maximum payment per incident is £600.

National Plus - Roadside Assistance & Recovery, Nationwide Recovery and Home Assist – territorial limits (UK)

This includes all the same benefits as Standard Recovery, with the addition of full nationwide recovery and driver illness or injury cover.

Driver Illness or Injury
In the event you suffer an illness or injury whilst away from your home address, provided none of your passengers are qualified and competent to drive, the claims administrator will arrange and pay for your vehicle to be transported or driven by a chauffeur to your home address. A medical certification will be required before any claim is authorised.

European - Roadside Assistance & Recovery, Nationwide Recovery and European

This includes all the same benefits as National Plus, with the addition of assistance within the territorial limits (Europe) but excluding home assist. Cover will be provided where the maximum duration of any single trip does not exceed 90 days during the policy term. Improved benefits are provided for alternative transport and emergency overnight accommodation, which are:

The claims administrator will pay up to £500 towards the reasonable cost of alternative transport or vehicle hire, to allow you to complete your original journey, and a maximum of £175 for a lone traveller or £100 per passenger when not travelling alone for one night on a bed and breakfast basis, whilst your vehicle is being repaired. The maximum payment per emergency overnight accommodation incident is £1,000.

Vehicles can be up to 10 years old at the time of application.

If, in the opinion of the roadside agent, your vehicle is not repairable within 60 minutes, the claims administrator will assist in the following way:

  • arrange and pay for your vehicle, you and the passengers to be recovered to the nearest garage able to undertake the repair, or
  • if the vehicle cannot be repaired within 96 hours or by your intended return, whichever is the later, the claims administrator will arrange for your vehicle, you and the passengers to be transported either to your home address, or if you would prefer and it is closer, your original destination within the territorial limits (Europe).

Shipping of Spare parts
Where it is more efficient and cost effective to do so, the claims administrator will pay the reasonable cost of shipping replacement parts to the repairing garage within the territorial limits (Europe). You will be responsible for the cost of the spare parts and the claims administrator will only organise shipping once you have confirmed the spare parts have been paid for.

territorial limits (Europe).
You will be responsible for the cost of the spare parts and the claims administrator will only organise shipping once you have confirmed the spare parts have been paid for.

European Plus - Roadside Assistance & Recovery, Nationwide Recovery, Home Assist and European

This includes all the same benefits as European, with the addition of home assist.