Accident recovery as standard, regardless of fault
✘
✘
✓
Repair with no excess after a non-fault accident
✘
✘
✓
Like-for-like replacement car, not just a courtesy car
✘
✘
✓
Replacement car delivered to you, no need to collect
✘
✘
✓
No claim on your policy after a non-fault accident
✘
✘
✓
Private treatment for injury after a non-fault accident
✘
✘
✓
These benefits are usually not included in car insurance, though a few policies may include one or two.
You still need insurance, of course; TMA doesn't replace it. TMA adds a lot to it.
