Whether you're heading off to the coast with your family or a city break, travelling safely with the confidence that you have access to 24/7 accident cover is comforting.

The fact is, when you head off on a holiday in your car the unthinkable can still happen. An accident that's not your fault can lead to a range of costs and stress that aren't covered by your car insurance - and that isn't fair.

Being able to rely on an accident management company that specialises in providing the very best support and 24/7 assistance could be just what you need to navigate those uncertain waters.

Total Motor Assist gives you the support you need - and it includes your immediate family and all the cars in your household, too!

Total Motor Assist (or TMA for short) is provided by Assist Protect. Broadly speaking it's an inexpensive membership scheme that covers all of your household cars and provides an alternative route to making a claim on your motor insurance in the event of a non-fault accident.

To be clear - TMA isn't an insurance or breakdown policy. It sits alongside those policies and gives you extra protection, advice and financial support when a non-fault accident occurs.

Most importantly, Total Motor Assist ensures you don't have to make a claim on your existing motor insurance policy, which can generally make your premium go up substantially when you next renew, plus it removes the need to pay your excess which you will need to pay if you claim on your insurance.

What does it cost?

It's 100% free of charge here, courtesy of BIGGA.

You will benefit from UK-wide accident recovery, manufacturer-approved repairs that preserve your vehicle warranty, a like-for-like hire car during repairs, legal support, private medical treatment in the event of injury to you and/or your passengers and expert accident claim management.

All of which means from the moment you report your accident we will take away the stress and hassle of your accident claim!

When you go on holiday, the risk of an accident might increase

Being hundreds of miles away from home and driving on unfamiliar roads can be disorientating. Should an accident happen, the logistics of managing the aftermath of a non-fault insurance claim and vehicle recovery, can often be more stressful than if you were at home.

Think about it: you don't exactly know where you are, what your insurance policy covers, who to ring and lots of other things. With Total Motor Assist there is one number that you ring and always someone to talk to.

With an accident management service on hand like Assist Protect, you are assured that the entire incident will be taken care of, and there will be no hidden or extra costs involved.

TMA gives you a much more immediate help than you might otherwise get

Don't forget too that some car insurers only operate a telephone response and service at specific times of the day. So, for example, if your accident happens late in the evening, you may find your first contact with your insurer is via a virtual assistant or website. That's very common with overseas call centres - not a comforting thought when you're in shock and feeling vulnerable.

With Total Motor Assist you get to talk to an actual person in the UK, and they can provide specific advice and guide you through what to do and when. It also helps to have someone there to chat through your concerns.

Why can't I just make a claim on my insurance?

You can - but in the event of a non-fault claim, it's not always in your best interests.

Very often insurance companies see any claim - regardless of fault - as an increased risk, and will raise your premium when on renewal. That means your holiday could turn out to be far more costly than you'd originally planned!

Total Motor Assist ensures your holiday doesn't turn into a series of events that you'd really rather forget!

Interested in accident cover with Total Motor Assist? You can join free of charge here.