50plus Car Insurance (Comprehensive)

Section 2 - Fire and theft
This section only applies if it is listed in your schedule.
What we cover
We cover loss or damage caused by fire, lightning, explosion, theft or attempted theft to:
- your car;
- in-car equipment;
- accessories and spare parts which are fitted into or onto your car or kept in your private garage;
- a trailer (if your schedule shows that you have this cover); and
- a loan car.
If we give you a loan car, we will cover it as if it was covered under Section 3 and Section 4.
For claims conditions relating to this section please read 'How we will settle a claim under Sections 2, 3 and 4.
What we do not cover
We do not cover the following:
1. Any excess shown under 'Fire or 'Theft Excess in your schedule for any loss or damage to your car which is caused by fire theft or attempted theft.
These excesses will not apply if your car is in your locked private garage at the time of the fire, theft or attempted theft.
2. Loss of value.
3. Wear and tear.
4. Loss of use.
5. Loss or damage to a part that breaks or fails and any resulting loss or damage caused to any other parts.
6. Damage to tyres caused by punctures, cuts or bursts.
7. Loss or damage resulting from your car being taken, without your permission, by:
- your partner;
- your boyfriend or girlfriend;
- your children;
- anyone who normally lives with you; or
- a member of your family.
8. Any loss or damage to your car if:
- your car is unlocked;
- your car windows or sunroof are open;
or
- your car key(s) are in, or in the vicinity of, your car;
when there is no-one in it.
9. Loss or damage caused by deception.
10. Loss or theft of portable satellite navigation equipment when there is no-one in your car, unless it is stored out of sight in either a locked boot or glove compartment.
How we will settle a claim under sections 2, 3 and 4
A. The maximum amounts we will cover
We will provide cover up to the following amounts.
1. For your car, either;
a) the market value; or
b) the cost of a replacement new car (Section 3B).
2. For in-car equipment - if the equipment has been fitted as standard by your cars manufacturer, we consider it to be part of your car and so no separate limit applies. Otherwise, we will pay up to the amount shown as 'In-car equipment cover on your schedule.
3. For your cars accessories and spare parts - the manufacturers last published retail price. We will also provide cover for any child safety seats which are fitted to your car at the time of an incident, even if there is no apparent damage.
4. For any trailer - the amount shown on your schedule.
5. For emergency accommodation - up to the amount shown as 'Overnight accommodation on your schedule.
B. How we will settle your claim
If the loss or damage is covered under your policy, we will settle your claim as explained below.
1. Your car and trailer
If your car is lost or damaged we:
- may choose to repair the damage or pay the amount of loss or damage.
We may decide to use suitable parts or accessories which are not supplied by the original manufacturer.
- If your car is lost and never found, or if in our view, it cannot be repaired for a reasonable cost, we will pay either:
a) the market value; or
b) the cost of a replacement new car (Section 3B).
- We will deal with a claim for loss or damage to a trailer in the same way, as long as cover for the trailer is shown on your schedule.
2. In-car equipment, the windscreen, windows and glass sunroof
If the in-car equipment, windscreen, windows or glass sunroof are lost or damaged, we will:
- pay for the damage to be repaired (if repairs can be made for a reasonable cost); or
- if repairs cannot be made for a reasonable cost, or if the item is lost and never found, we will arrange replacement with property of similar quality and value.
3. Loan car
If a loan car is lost or damaged, we will settle the claim with the repairer or hire car supplier under the terms of your policy and under any agreement you have with the repairer, hire car supplier or us relating to the loan car.
Any claim for loss or damage to a loan car will affect your no claim discount as if you were claiming for loss or damage to your car. Any excess which would apply to your car if you had comprehensive cover will also apply to a loan car.
C. Hiring and other agreements
If you have a hire purchase agreement or vehicle leasing agreement for your car, we will pay any claim to your cars legal owner.
D. Protecting, removing and delivering your car
If the loss or damage is covered under your policy, we will pay the reasonable costs of:
- taking your car to the nearest repairer if it cannot be driven; and
- delivering your car to your address in the British Isles after it has been repaired.collapse

Section 3 - Loss and damage
This section only applies if it is listed in your schedule.
What we cover
A. Loss and damage
We cover loss of or damage to:
- your car;
- in-car equipment;
- accessories and spare parts which are fitted into or onto your car or kept in your private garage;
- a trailer (if your schedule shows that you have this cover); and
- a loan car.
B. New car replacement
If you buy your car new and within 12 months
it is:
- stolen and not recovered; or
- damaged and the repair cost is more than 60% of its current new list price including VAT (where appropriate);
we may replace it with a new car of the same UK specification.
C. Emergency overnight accommodation
We will pay up to the amount shown as 'Overnight accommodation in your schedule for necessary expenses for emergency accommodation if you or any other driver:
- cannot use your car during a journey as a result of loss or damage which we cover;
- cannot reach your destination.
For claims conditions relating to this section please read 'How we will settle a claim under Sections 2, 3 and 4.
D. Loss of road tax
If your car is stolen and unrecovered, or damaged and our engineer confirms the vehicle is a total loss, we will pay for any road tax that is still left that you are not able to recover from the licensing authorities.
What we do not cover
We do not cover the following:
1. Any excess shown under 'Accidental Damage Excess in your schedule for any loss or damage to your car.
This excess will not apply to loss or damage caused by fire, theft and attempted theft.
2. Any additional excess shown in your schedule for young or inexperienced drivers for any loss or damage while your car is being driven by them or in their care.
This excess will not apply when your car is in the care of:
- a garage or similar motor trade organisation for servicing or repair; or
- a hotel or restaurant for the purpose of parking.
3. Any excess shown under 'Fire or 'Theft Excess in your schedule for any loss or damage to your car which is caused by fire, theft or attempted theft.
These excesses will not apply if your car is in your locked private garage at the time of the fire, theft or attempted theft.
4. Loss of value.
5. Wear and tear.
6. Loss of use.
7. Loss or damage to a part that breaks or fails and any resulting loss or damage caused to any other parts.
8. Damage to tyres caused by punctures, cuts or bursts.
9. Loss or damage resulting from your car being taken, without your permission, by:
- your partner;
- your boyfriend or girlfriend;
- your children;
- anyone who normally lives with you; or
- a member of your family.
10. Any loss or damage to your car if:
- your car is unlocked;
- your car windows are open; or
- your car key(s) are in, or in the vicinity of, your car;
when there is no-one in it.
11. Loss or damage caused by deception.
12. Loss or theft of portable satellite navigation equipment when there is no-one in your car, unless it is stored out of sight in either a locked boot or glove compartment. Important note:
Exceptions 1 to 12 apply to all of this section.
How we will settle a claim under sections 2, 3 and 4
A. The maximum amounts we will cover
We will provide cover up to the following amounts.
1. For your car, either;
a) the market value; or
b) the cost of a replacement new car (Section 3B).
2. For in-car equipment - if the equipment has been fitted as standard by your cars manufacturer, we consider it to be part of your car and so no separate limit applies. Otherwise, we will pay up to the amount shown as 'In-car equipment cover on your schedule.
3. For your cars accessories and spare parts - the manufacturers last published retail price. We will also provide cover for any child safety seats which are fitted to your car at the time of an incident, even if there is no apparent damage.
4. For any trailer - the amount shown on your schedule.
5. For emergency accommodation - up to the amount shown as 'Overnight accommodation on your schedule.
B. How we will settle your claim
If the loss or damage is covered under your policy, we will settle your claim as explained below.
1. Your car and trailer
If your car is lost or damaged we:
- may choose to repair the damage or pay the amount of loss or damage.
We may decide to use suitable parts or accessories which are not supplied by the original manufacturer.
- If your car is lost and never found, or if in our view, it cannot be repaired for a reasonable cost, we will pay either:
a) the market value; or
b) the cost of a replacement new car (Section 3B).
- We will deal with a claim for loss or damage to a trailer in the same way, as long as cover for the trailer is shown on your schedule.
2. In-car equipment, the windscreen, windows and glass sunroof
If the in-car equipment, windscreen, windows or glass sunroof are lost or damaged, we will:
- pay for the damage to be repaired (if repairs can be made for a reasonable cost); or
- if repairs cannot be made for a reasonable cost, or if the item is lost and never found, we will arrange replacement with property of similar quality and value.
3. Loan car
If a loan car is lost or damaged, we will settle the claim with the repairer or hire car supplier under the terms of your policy and under any agreement you have with the repairer, hire car supplier or us relating to the loan car.
Any claim for loss or damage to a loan car will affect your no claim discount as if you were claiming for loss or damage to your car. Any excess which would apply to your car if you had comprehensive cover will also apply to a loan car.
C. Hiring and other agreements
If you have a hire purchase agreement or vehicle leasing agreement for your car, we will pay any claim to your cars legal owner.
D. Protecting, removing and delivering your car
If the loss or damage is covered under your policy, we will pay the reasonable costs of:
- taking your car to the nearest repairer if it cannot be driven; and
- delivering your car to your address in the British Isles after it has been repaired.
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Section 12 - Breakdown - definition
These definitions take precedence over any individual policy definition.
Assistance service
Provision of emergency assistance, vehicle recovery, emergency accommodation or car hire, and any other help we may give you.
Your Car
For the purposes of this section, in addition to the policy definition of your car, it includes any caravan or trailer that has been properly built to be towed by your car when attached by a 50 millimetre ball coupling.
Breakdown
The mechanical breakdown, breakage or failure of any part that is essential for your car to move.
Emergency assistance
We will arrange for a recovery agent to come to the scene of the breakdown to try to make your car roadworthy. If this cannot be done, the recovery agent will arrange for your car to be taken to a repairer.
Immobilised
Your car cannot be driven, or is regarded as unsafe or unfit to be used on a public highway, as a result of the breakdown.
Breakdown - Roadside assistance
The cover provided under this part of the section is limited to breakdowns which happen within Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands.
What we cover
Roadside assistance
If your car has a breakdown, we will provide emergency assistance at the scene of the breakdown, for up to one hour, to make it roadworthy.
If your car cannot be made roadworthy at the scene of the breakdown, we will arrange for it, the driver and up to eight passengers to be taken to a repairer of your choice within 10 miles of the scene of the breakdown.
If the breakdown has been caused by your car running out of fuel, we will provide emergency assistance for replacement fuel.
We will provide emergency assistance if your car is immobilised as a result of a flat battery or a flat tyre, or incorrect fuel being accidentally put in your car.
We will provide emergency assistance if you accidentally lock your keys in your car or if your car is immobilised due to loss of, or damage to your keys. When we provide emergency assistance for this service, we will ask you to provide suitable identification.
After a breakdown, if you ask, we will try to get a message to a person of your choice as long as we can contact that person by phone or fax.
What we do not cover
1. Emergency Assistance at or within one mile of your home address, or where your car is normally kept, except where 'Homecall also applies.
2. The cost of transporting your car to a repairer more than 10 miles from the scene of the breakdown, except where 'Recovery also applies. We will charge you for mileage that is more than 10 miles.
Breakdown - Exclusions
What is not covered
1. Any labour charge in addition to those covered under Emergency Assistance, the cost of spare
parts and the cost of replacing fuel or your car key(s).
2. The cost associated with draining or removing an inappropriate fuel or other fluid having been
put in your car.
3. Damage as a direct result of getting into your car after you have asked for emergency
assistance.
4. Cover for an incident if you are entitled to claim for the same incident under another policy.
5. Any expenses which would have arisen in the normal course of the journey.
6. If your car has been partly or completely buried in mud, snow, sand or water, and this is the
sole reason for claiming.
7. Breakdown resulting from poor repair or attempted repair that was carried out during the
journey without our agreement.
8. Any breakdown which is the result of a deliberate act by anyone covered under the policy.
9. Breakdown resulting from your car carrying more passengers, or towing a greater weight, than
intended, or driving on unsuitable ground.
10. Any liability or any other costs or losses that result directly or indirectly from providing
emergency assistance.
11. Any extra hire car charges, other than the rental charge, if we provide a hire car.
12. Any incident, which results in your car being immobilised, which happened before cover under
this section of the policy started.
13. Requests for emergency assistance resulting from not being able to get fuel or other supplies
essential for your car to move, due to fuel or other supplies being scarce in the country in
which you are driving.
14. Loss or damage to the contents of your car.
15. Any cost you have to pay for sea or river transit.
16. Any costs we have not agreed to pay beforehand.
17. Recovering your car if it is considered to be dangerous or illegal to load or transport.
18. Breakdown due to the failure to replace faulty parts, including the battery, within 28 days of the
previous breakdown of the same or similar cause.
19. More than 5 breakdowns within one period of insurance.
20. Any storage charges you may have to pay while your car is being repaired at a garage.
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Section 7 - Personal effects
This section only applies if it is listed in your schedule.
What we cover
We cover loss of or damage to personal possessions in or on your car up to the amount shown as 'Personal effects in your schedule.
We will pay you or, if you prefer, the owner of the property.
What we do not cover
We do not cover the following:
1. Money, stamps, tickets, documents, bonds, vouchers, lottery tickets, scratchcards, raffle tickets, Air Miles, trade samples or any property insured under any other policy.
2. Personal possessions stolen from an open top or convertible car, unless they are kept in a locked boot or locked glove compartment.
3. Loss of or damage to personal possessions carried in or on a trailer.
4. Wear, tear, loss of value and loss of use.collapse

Section 3 - Loss and damage
This section only applies if it is listed in your schedule.
What we cover
A. Loss and damage
We cover loss of or damage to:
your car;
- in-car equipment;
- accessories and spare parts which are fitted into or onto your car or kept in your private garage;
- a trailer (if your schedule shows that you have this cover); and
- a loan car.
Accessories are defined as:
- child safety seats;
- roof racks;
- roof boxes; and
- cycle carriers.
How we will settle a claim under sections 2, 3 and 4
A. The maximum amounts we will cover
We will provide cover up to the following amounts
3. For your cars accessories and spare parts - the manufacturers last published retail price. We will also provide cover for any child safety seats which are fitted to your car at the time of an incident, even if there is no apparent damage.collapse

Section 3 - Loss and damage
This section only applies if it is listed in your schedule.
What we cover
A. Loss and damage
We cover loss of or damage to:
- your car;
- in-car equipment;
- accessories and spare parts which are fitted into or onto your car or kept in your private garage;
- a trailer (if your schedule shows that you have this cover); and
- a loan car.
What we do not cover
We do not cover the following:
1. Any excess shown under 'Accidental Damage Excess in your schedule for any loss or damage to your car.
This excess will not apply to loss or damage caused by fire, theft and attempted theft.
2. Any additional excess shown in your schedule for young or inexperienced drivers for any loss or damage while your car is being driven by them or in their care.
This excess will not apply when your car is in the care of:
- a garage or similar motor trade organisation for servicing or repair; or
- a hotel or restaurant for the purpose of parking.
3. Any excess shown under 'Fire or 'Theft Excess in your schedule for any loss or damage to your car which is caused by fire, theft or attempted theft.
These excesses will not apply if your car is in your locked private garage at the time of the fire, theft or attempted theft.
4. Loss of value.
5. Wear and tear.
6. Loss of use.
7. Loss or damage to a part that breaks or fails and any resulting loss or damage caused to any other parts.
8. Damage to tyres caused by punctures, cuts or bursts.
9. Loss or damage resulting from your car being taken, without your permission, by:
- your partner;
- your boyfriend or girlfriend;
- your children;
- anyone who normally lives with you; or
- a member of your family.
10. Any loss or damage to your car if:
- your car is unlocked;
- your car windows are open; or
- your car key(s) are in, or in the vicinity of, your car;
when there is no-one in it.
11. Loss or damage caused by deception.
12. Loss or theft of portable satellite navigation equipment when there is no-one in your car, unless it is stored out of sight in either a locked boot or glove compartment. Important note:
Exceptions 1 to 12 apply to all of this section.
How we will settle a claim under sections 2, 3 and 4
A. The maximum amounts we will cover
We will provide cover up to the following amounts.
1. For your car, either;
a) the market value; or
b) the cost of a replacement new car (Section 3B).
2. For in-car equipment - if the equipment has been fitted as standard by your cars manufacturer, we consider it to be part of your car and so no separate limit applies. Otherwise, we will pay up to the amount shown as 'In-car equipment cover on your schedule.
3. For your cars accessories and spare parts - the manufacturers last published retail price. We will also provide cover for any child safety seats which are fitted to your car at the time of an incident, even if there is no apparent damage.
4. For any trailer - the amount shown on your schedule.
5. For emergency accommodation - up to the amount shown as 'Overnight accommodation on your schedule.
B. How we will settle your claim
If the loss or damage is covered under your policy, we will settle your claim as explained below.
2. In-car equipment, the windscreen, windows and glass sunroof
If the in-car equipment, windscreen, windows or glass sunroof are lost or damaged, we will:
- pay for the damage to be repaired (if repairs can be made for a reasonable cost); or
- if repairs cannot be made for a reasonable cost, or if the item is lost and never found, we will arrange replacement with property of similar quality and value.
In-car equipment
In-car equipment is:
- a radio, cassette, compact disc player or other audio equipment;
- a phone or other communication equipment;
- navigation equipment designed primarily for use in your car; and
- television or other visual entertainment equipment including video cassette recorders, DVD players and games consoles.
The equipment, except for portable navigation equipment, must be permanently fitted in your car
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Section 3 - Loss and damage
This section only applies if it is listed in your schedule.
What we cover
A. Loss and damage
We cover loss of or damage to:
- your car;
- in-car equipment;
- accessories and spare parts which are fitted into or onto your car or kept in your private garage;
- a trailer (if your schedule shows that you have this cover); and
- a loan car.
What we do not cover
We do not cover the following:
1. Any excess shown under 'Accidental Damage Excess in your schedule for any loss or damage to your car.
This excess will not apply to loss or damage caused by fire, theft and attempted theft.
2. Any additional excess shown in your schedule for young or inexperienced drivers for any loss or damage while your car is being driven by them or in their care.
This excess will not apply when your car is in the care of:
- a garage or similar motor trade organisation for servicing or repair; or
- a hotel or restaurant for the purpose of parking.
3. Any excess shown under 'Fire or 'Theft Excess in your schedule for any loss or damage to your car which is caused by fire, theft or attempted theft.
These excesses will not apply if your car is in your locked private garage at the time of the fire, theft or attempted theft.
4. Loss of value.
5. Wear and tear.
6. Loss of use.
7. Loss or damage to a part that breaks or fails and any resulting loss or damage caused to any other parts.
8. Damage to tyres caused by punctures, cuts or bursts.
9. Loss or damage resulting from your car being taken, without your permission, by:
- your partner;
- your boyfriend or girlfriend;
- your children;
- anyone who normally lives with you; or
- a member of your family.
10. Any loss or damage to your car if:
- your car is unlocked;
- your car windows are open; or
- your car key(s) are in, or in the vicinity of, your car;
when there is no-one in it.
11. Loss or damage caused by deception.
12. Loss or theft of portable satellite navigation equipment when there is no-one in your car, unless it is stored out of sight in either a locked boot or glove compartment. Important note:
Exceptions 1 to 12 apply to all of this section.
How we will settle a claim under sections 2, 3 and 4
A. The maximum amounts we will cover
We will provide cover up to the following amounts.
1. For your car, either;
a) the market value; or
b) the cost of a replacement new car (Section 3B).
2. For in-car equipment - if the equipment has been fitted as standard by your cars manufacturer, we consider it to be part of your car and so no separate limit applies. Otherwise, we will pay up to the amount shown as 'In-car equipment cover on your schedule.
3. For your cars accessories and spare parts - the manufacturers last published retail price. We will also provide cover for any child safety seats which are fitted to your car at the time of an incident, even if there is no apparent damage.
4. For any trailer - the amount shown on your schedule.
5. For emergency accommodation - up to the amount shown as 'Overnight accommodation on your schedule.
B. How we will settle your claim
If the loss or damage is covered under your policy, we will settle your claim as explained below.
2. In-car equipment, the windscreen, windows and glass sunroof
If the in-car equipment, windscreen, windows or glass sunroof are lost or damaged, we will:
- pay for the damage to be repaired (if repairs can be made for a reasonable cost); or
- if repairs cannot be made for a reasonable cost, or if the item is lost and never found, we will arrange replacement with property of similar quality and value.
In-car equipment
In-car equipment is:
- a radio, cassette, compact disc player or other audio equipment;
- a phone or other communication equipment;
- navigation equipment designed primarily for use in your car; and
- television or other visual entertainment equipment including video cassette recorders, DVD players and games consoles.
The equipment, except for portable navigation equipment, must be permanently fitted in your car
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Section 11 - Replacement locks
This section only applies if it is listed in your schedule.
What we cover
We cover accidental loss or theft of your car key(s).
We will settle the claim by paying to replace the appropriate locks or locking mechanism.
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If your car is damaged but roadworthy
Our recommended repairers have been carefully selected to give you a fast, reliable and professional service. By using them you will also benefit from:
- our authority to start repairs as long as your car is economical to repair;
- collection and return of your car;
- cleaning of your car before it is returned to you; and
- a lifetime guarantee on all repairs.
We will pay for the above benefits.
If you have comprehensive cover and your car is at one of our recommended repairers, they will give you a loan car while yours is being repaired. We will pay for this. However, you will not get a loan car if you have third party fire and theft or third party only cover, and your car is damaged beyond economical repair.
If you choose any other vehicle repairer, it will not affect your right to claim. However, we may not be able to arrange any of the above benefits or automatically insure any replacement car for you.
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If your car is damaged but roadworthy
Our recommended repairers have been carefully selected to give you a fast, reliable and professional service. By using them you will also benefit from:
- our authority to start repairs as long as your car is economical to repair;
- collection and return of your car;
- cleaning of your car before it is returned to you; and
- a lifetime guarantee on all repairs.
We will pay for the above benefits.
If you have comprehensive cover and your car is at one of our recommended repairers, they will give you a loan car while yours is being repaired. We will pay for this. However, you will not get a loan car if you have third party fire and theft or third party only cover, and your car is damaged beyond economical repair.
If you choose any other vehicle repairer, it will not affect your right to claim. However, we may not be able to arrange any of the above benefits or automatically insure any replacement car for you.
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If your car is damaged but roadworthy
Our recommended repairers have been carefully selected to give you a fast, reliable and professional service. By using them you will also benefit from:
- our authority to start repairs as long as your car is economical to repair;
- collection and return of your car;
- cleaning of your car before it is returned to you; and
- a lifetime guarantee on all repairs.
We will pay for the above benefits.
If you have comprehensive cover and your car is at one of our recommended repairers, they will give you a loan car while yours is being repaired. We will pay for this. However, you will not get a loan car if you have third party fire and theft or third party only cover, and your car is damaged beyond economical repair.
If you choose any other vehicle repairer, it will not affect your right to claim. However, we may not be able to arrange any of the above benefits or automatically insure any replacement car for you.
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Section 4 - Windscreen cover
This section only applies if it is listed in your schedule.
What we cover
We cover loss of or damage to the windscreen, windows and glass sunroof of your car or of any loan car and any damage to the bodywork which is caused by the broken glass.
If you only make a claim under this section it will not affect your no claim discount.
For claims conditions relating to this section please read 'How we will settle a claim under Sections 2, 3 and 4.
What we do not cover
Any excess shown under 'Windscreen or Window Glass Excess in your schedule for:
- any claim which is only for replacing glass;
- any scratching of the bodywork which is caused by the broken glass.
This excess will not apply if the damage to the windscreen, windows or glass sunroof is repaired.collapse

Section 8 - Foreign use
This section only applies if it is listed in your schedule.
What we cover
A. Cover for your car
If you take your car to any country in the territorial limits outside of the British Isles, your policy cover will apply up to 60 days.
If the length of any visit (or the total length of all visits during the period of insurance) is greater than 60 days, you must tell us before you take your car abroad. You will have to pay an extra premium to extend your cover.
If your certificate of motor insurance allows you to drive any other car, cover for that car is restricted to the British Isles.
See also Section 1 Legal liability to others - D. Cover Abroad for details of the minimum cover required by law we provide in
- any country which is a member of the European Union.
- any other country which meets the motor insurance Directives of, and is approved by, the European Commission.
See also 'What you should do if you take your car abroad on pages 41 - 42.
B. Cover for customs duty
If your car is lost or damaged abroad, you may have to pay customs duty for it to be stored or repaired. We will cover this customs duty as long as:
- the loss or damage is covered under your policy; and
- your car is in a country within the territorial limits.collapse

How we will settle a claim under sections 2, 3 and 4
A. The maximum amounts we will cover
We will provide cover up to the following amounts.
1. For your car, either;
a) the market value; or
b) the cost of a replacement new car (Section 3B).collapse

Section 10 - No claim discount protection
This section only applies if it is listed in your schedule.
If you have chosen no claim discount protection, we will not reduce your no claim discount unless more than two claims happen over five periods of insurance in a row.
If two or more claims happen in the period stated above:
- we will reduce your no claim discount in line with our usual scale for three or more claims;
- this section will no longer apply; and
- Section 9 will apply.collapse

How your no claim discount works
You earn no claim discount for each year of cover during which you do not claim. The discount increases each year up to the maximum on your scale. A single claim, if you are 'at fault (or if we cannot recover full losses from another persons insurer) will reduce your no claim discount.
However, if you have applied and been accepted for no claim discount protection cover, your discount will not be affected unless you have more than two 'at fault (or if we cannot recover full losses from another persons insurer) claims in five years. Upon the occurrence of a third claim your no claim discount will be reduced.
Section 9 - No claim discount
This section only applies if it is listed in your schedule.
If no incident occurs during the period of insurance which results in a claim, your no claim discount will increase in line with our usual scale.
If an incident occurs during the period of insurance which results in a claim, your no claim discount will reduce in line with our usual scale.
You cannot transfer your no claim discount to anyone else.collapse

Section 10 - No claim discount protection
This section only applies if it is listed in your schedule.
If you have chosen no claim discount protection, we will not reduce your no claim discount unless more than two claims happen over five periods of insurance in a row.
If two or more claims happen in the period stated above:
- we will reduce your no claim discount in line with our usual scale for three or more claims;
- this section will no longer apply; and
- Section 9 will apply.collapse