Nova Direct

Vehicle cover applies to the covered vehicle or vehicles, regardless of who is driving. Personal cover applies to vehicles the policyholder is driving.

The breakdown page lists cars, light vans and motorbikes, subject to vehicle specifications. These include maximum measurements of 3,500kg gross weight, 5.5 metres long, 2.3 metres wide and 3 metres high, including mirrors.

Roadside assistance is included with car breakdown policies. It applies on the road more than one mile from the home address and excludes breakdowns at home.

Onward travel is an option that can include a courtesy vehicle, alternative transport or an overnight hotel stay. The type of cover varies, so the policy details matter.

Windscreen cover includes repair or, where necessary, replacement following damage. It must be taken out at the same time as breakdown cover. A photograph of a damage-free windscreen is required following purchase, validation must be completed, and an initial 30-day claims exclusion period applies.

Key cover includes home and vehicle keys, with family cover included as standard. It excludes accidental damage and has an initial 14-day claims exclusion period.

Misfuelling cover includes flushing and drainage of the fuel tank, plus up to 20 litres of replacement fuel. It must be taken out at the same time as breakdown cover.

The breakdown FAQ says assistance is available to change a tyre if the policyholder cannot do it. It requires a serviceable spare or space-saving wheel and a jack, plus a locking wheel nut key where the vehicle requires one.