Amendments to Your Car Insurance Guide

Amendments to Your Car Insurance Guide

Amendments to Your Car Insurance Guide The following changes will apply to your motor policy from this renewal. For full terms and conditions please refer to Your Car Insurance Guide which can be found on our website admiral.com. IMPORTANT Please note, your compulsory excess may have changed since your last policy term. Please check your Policy Schedule for the current figure. As of October 1st 2017 if you decide to use a garage that is not in our Approved Repairer network an additional excess will apply. Please note that our Privacy and Security Statement may have changed since your last policy term. If you would like to read the current version, this can be found at www.admiral.com/your-privacy-and-security/ Important Numbers To discuss your Renewal 0333 222 6715 To register a claim 0333 220 2334 To register a windscreen claim 0333 220 2025 Making a claim y Uninsured Driver Promise page 3 If you make a claim for an incident that is not your fault and the driver of the other vehicle is confirmed and identified as uninsured, you will not lose your no claim discount. 1

y Damage Repair Process (within Territorial Limits) pages 3-4 The process is guaranteed only within the territorial limits. If you decide to use a garage that is not one of our Approved Repairers you will be subject to an additional excess. y Glass Repair Helpline (open 24 hours a day): 0333 220 2025 page 4 The role and responsibilities of the policy administrator y The role and responsibilities of the policy administrator table pages 8 We have updated the table with the list of roles and permission which identify who can access the policy and what they are able to do within the policy. Definitions Agreed valuation Subject to Underwriting approval an agreed value policy can be obtained. If we consent the most we will pay you is the amount stated on the Agreed Valuation Certificate. Your Policy Schedule will show if this extra condition (endorsement) applies. Keeping your policy up to date y 3. Please tell us when you renew your insurance page 13 i. If any details shown on the Motor Proposal Confirmation enclosed with your renewal documents are incorrect ii. If you or any driver have any unspent non motoring convictions or if a non motoring conviction you have previously told us about has become spent under the rehabilitation of offenders act 1974 2

Section 1: Damage to your car y 1. Cover for your car and its accessories page 14 i. Your car s audio/visual or electronic equipment, as long as it is permanently fitted to your car. Any equipment fitted by the manufacturer will be covered in full. The most we will pay for aftermarket equipment is 15% of the value of the car up to a maximum of 1250 Section 2: Fire and theft y 1. Cover for your car and its accessories page 15 i. Your car s audio/visual or electronic equipment, as long as it is permanently fitted to your car. Any equipment fitted by the manufacturer will be covered in full. The most we will pay for aftermarket equipment is 15% of the value of the car up to a maximum of 1250 In the event of your car s keys being lost or stolen from somewhere other than your car, we will pay up to 300 towards the cost of replacing the locks. Section 3: Exclusions which apply to sections 1 and 2 i. for replacing or repairing any modifications, unless they form part of the manufacturer s standard specification, optional extras or accessories fitted due to disability that we have agreed to cover. See also Extra Conditions (endorsement 11) ii. more than 15% of your car s market value, up to a maximum of 1250 for any aftermarket audio, visual or electronic equipment iii. loss or damage to your car or loss of money, where possession of it is gained by deception 3

Section 7: Your No Claims Bonus y 1. What happens to your No Claim Bonus if you claim page 24 Protected No Claims Bonus allows you to make up to 2 claims before your No Claim Bonus entitlement is reduced. y Protected No Claim Bonus table page 24 Please refer to the table which explains the Protected No Claim allowance and what happens in the event of one, or multiple claims. y Guaranteed No Claim Bonus table page 25 Please refer to the table which explains the Guaranteed No Claim allowance and what happens in the event of one, or multiple claims. y 2. Claims that don t affect your Bonus page 25 i. a claim where the incident is caused by an identified uninsured driver where you are successful in claiming from the MIB y 3. Protected or Guaranteed No Claims Bonus page 26 Please refer to the table which explains the Protected and Guaranteed No Claim discount on the basis of how many No Claim Bonus you are entitled to. Section 8: Extra cover y 1. Personal Injury Benefits page 28 Clarifying who can claim. 4

y 3. Child equipment and personal belongings pages 28-29 If you have a child s car seat fitted or a pushchair in the vehicle and your car is involved in an insured incident, provided you are making a claim under sections 1 or 2 of this policy, we will pay for the cost of a replacement of a similar model and standard. You may also claim up to a maximum of 50 for loss or damage to any children s accessories. y Personal Belongings page 28 Limit increased from 100 to 150. General Conditions of Your Cover y 2. Claims Procedure page 32 Explains when a crime reference number must be provided. y 3. Care of your vehicle page 34 We now refer to vehicles instead of cars. i. Remove the keys or secure any device that allows access to your vehicle; if it is left unoccupied. y 4. Our cancellation rights page 36 i. fail to pay the premium due for your policy (we will give you 14 days notice in writing if we intend cancelling due to non payment of your monthly instalments, in order to give you time to resolve the matter) y 11. Drink and drug clause page 39 Additional wording for drug driving offences. 5

Extra Conditions (endorsements) y 11. Standard parts replacement page 42 Your policy does not cover any non standard parts (modifications). Manufacturers optional extras and adaptations made due to a disability are only covered if they have been declared and we have agreed to arrange cover for them. If you make a claim for loss or damage to your car, provided it is economical to do so, we will only pay the cost of replacing parts needed for your car to meet the manufacturers specification along with any optional extras and/or disability adaptations you declared. y Audio/Visual equipment limit page 40 This section has been removed and it is no longer applicable. y 15 Drink and drug clause page 40 Additional wording for drug driving offences. 6

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