Admiral Motor Insurance (Comprehensive)

Section 2 - Fire and theft
1 Cover for your car and its accessories
We will cover you for:
- the loss of or damage to your car
We will also cover you for:
- the loss of or damage to your car's accessories and spare parts while in or on your car
- the loss of or damage to your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car.
In the event of a claim the maximum we will pay against loss or damage to this equipment is 15% of your car's market value or £1250, whichever is the lesser amount, where the loss is caused by:
- theft or attempted theft
- fire & lightning
In the event of your car keys are stolen from somewhere other than your car we will pay up to a maximum of £100 for the cost of replacing the locks.
2 What we will pay
We will decide how we settle your claim.
We will pay either:
- to repair your car, subject to any necessary contribution, or
- a cash sum to replace the lost or damaged car or item not exceeding the market value of the car, or item, at the time of the damage occurring. We may reduce the settlement for removable audio equipment if you have not removed these.
If your car cannot be repaired economically, we will arrange for it to be moved to a place of free and safe storage as soon as possible.
3 What is not covered
We will not pay:
- where your car is taken or driven without the insured's consent by a family member, spouse or partner
- the first amount of any claim shown in your current Policy Schedule under Excess Details
- for loss or damage to your car or loss of money from selling your car to someone who deceives you
- for loss of use (including the cost of hiring a vehicle)
- for the replacement of your CD player, radio cassette player or any other audio equipment, if we pay you a cash sum to replace your car
- loss or damage caused by theft or attempted theft or fire if your car has been unlocked and unattended or the keys have been left in or on your car
- or any loss or damage caused by mechanical, electrical, electronic, computer failures, breakdowns or breakages.
- any modifications unless they form part of the manufacturer's standard specification or are optional extras that we have agreed to cover.
See also Extra Conditions (endorsement 11)
- if the incident is not reported to the police
- for wear and tear
- for any loss to the market value of your car as a result of it being repaired.
If any lost or damaged parts are no longer available, we will only pay the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs.
If you are buying the car on hire purchase or leasing it,any money owed to the company involved will be paid directly to the company first and the balance of the monies, if there is one, will be paid to you.
4 Keeping your damaged car safe
If you want us to pay for damage to your car,its accessories and spare parts, you must take steps to make sure it is kept safely until it is repaired. You can arrange to have your damaged car moved to the premises of the nearest competent repairer. We will pay any reasonable charges for safeguarding your car and getting it to and from the repairers. It is important you inform us immediately of the whereabouts of your car. Any charges incurred as a result of you not providing us with this information will be your responsibility.collapse

Section 1 - Damage to your car
1 Cover for your car and its accessories
We will cover:
- your car
We will also cover:
- your car's standard accessories or spare parts whilst in or on your car
- your car phone, CD player, cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car.
In the event of a claim, the maximum we will pay against the loss or damage to this equipment is 15% of your car's market value or £1250, whichever is the lesser amount.
2 What we will pay
We will decide how we settle your claim.
We will pay either:
- to repair your car, subject to any necessary contribution, or
- a cash sum to replace the lost or damaged car or item not exceeding the market value of your car, or item, at the time of the damage occurring. We may reduce the settlement for removable audio/visual equipment if you have not removed these.
If any lost or damaged parts are no longer available, we will only pay the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs. If your car is three years old or more, we may decide to repair it with recycled parts or with parts which have not been made by the car's manufacturer but are of a similar standard.
If your car cannot be repaired economically, we will arrange for it to be moved to a place of free and safe storage as soon as possible. If you have bought the car by hire purchase, or you are leasing it, any money owed to the company involved will be paid directly to the company first and the balance of the monies, if there is one, will be paid to you.
3 What you are not covered for
We will not pay:
- the first amount of any claim shown in your current Policy Schedule under Excess Details
- for loss or damage to your car or loss of money from selling your car to someone who deceives you
- for the replacement of your CD player, radio cassette player or any other audio/visual equipment, if we pay you a cash sum to replace you car
- for damage to your car caused by it being driven after an accident
- for loss of use (including the cost of hiring a vehicle)
- for wear and tear
- loss or damage caused by theft or attempted theft or fire if your car has been unlocked and unattended or the keys have been left in or on your car
- for mechanical, electrical, electronic, computer failures and breakdowns or breakages
- for damage caused to your tyres by normal road use, braking, cuts, punctures or bursts
- for any loss to the market value of your car as a result of it being repaired
- any modifications unless they form part of the manufacturer's standard specification or are optional extras that we have agreed to cover. see also Extra Conditions (endorsement 11)
- where the car is taken or driven without the insured's consent by a family member, spouse or partner
- for any damage to your car as a result of a "road rage" incident or deliberate act caused by you or any driver insured to drive your car.
You do not have to pay any excess if your car is damaged while with a member of the motoring trade for servicing or repairs.
4 Keeping your damaged car safe
If you want us to pay for damage to your car, its accessories and spare parts, you must take steps to make sure it is kept safely until repaired. You can arrange to have your damaged car moved to the premises of the nearest competent repairer. We will pay any reasonable charges for safeguarding your car and getting it to and from the repairers. It is important that you inform us immediately of the whereabouts of the car. Any charges incurred as a result of you not providing us with this information will be your responsibility.collapse

Section 7 - Extra cover
3 Personal belongings
We will pay up to £100 for personal belongings in your car if they are damaged or stolen. If you ask us to pay someone else we will have no further responsibility to you once we have done so.
You are not covered for:
- money, stamps, tickets, documents or securities
- trade goods or samples
- theft of any property insured under any other policy
- theft of any property from a convertible car unless the property is locked in the boot or glove compartment
- any claim for theft or attempted theft where you or any other person covered under this policy left the car unlocked and unattended or left the ignition keys in the carcollapse

- your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car.
In the event of a claim the maximum we will pay against loss or damage to this equipment is 15% of your car's market value or £1250, whichever is the lesser amount.collapse

- your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car.
In the event of a claim the maximum we will pay against loss or damage to this equipment is 15% of your car's market value or £1250, whichever is the lesser amount.collapse

Section 7 - Extra cover
4 Replacement cars
If you have an accident or make a(non glass)claim and our Approved Repairers are authorised to do the work, you will get a FREE replacement car whilst your car is being repaired.Unfortunately we cannot guarantee like for like.The replacement car will be insured by us under your car insurance on the same terms and conditions as your own car.
Important
Replacement cars are not provided if your car has been stolen, is beyond economic repair, if you choose a repairer not on our approved repairer panel or your car was originally produced for sale outside the EC. We cannot guarantee to provide a vehicle adapted for any individual's special needs or disability.collapse

Section 7 - Extra cover
4 Replacement cars
If you have an accident or make a(non glass)claim and our Approved Repairers are authorised to do the work, you will get a FREE replacement car whilst your car is being repaired.Unfortunately we cannot guarantee like for like.The replacement car will be insured by us under your car insurance on the same terms and conditions as your own car.
Important
Replacement cars are not provided if your car has been stolen, is beyond economic repair, if you choose a repairer not on our approved repairer panel or your car was originally produced for sale outside the EC. We cannot guarantee to provide a vehicle adapted for any individual's special needs or disability.collapse

Section 4 - Windscreen damage
1 Cover for your windscreen
We will pay:
- to repair or replace broken glass in your car's windscreen or windows and any scratching to the bodywork caused by the broken glass, as long as there has not been any other loss or damage
Our Glass Repair Helpline (open 24 hours a day) is 0844 543 44262 What is not covered
We will not pay:
- to repair or replace sunroofs
- for replacement of the hood/roof structure of a convertible or cabriolet car when the glass forming part of it is not repairable
- any excess shown on your current Policy Schedule, unless the glass is repaired rather than replaced in which case no excess applies
- for the provision of a replacement car
- any windscreens or windows not made of glass eg perspex
The most we will pay:
- up to £50 for each incident, if the repair or replacement is not arranged via our Glass Repair Helpline
- we will not pay more than the market value of the car at the time of loss (less the excess), whichever is the less
Claims under this section will not affect your No Claims Bonus.collapse

Call our Glass Helpline on 0800 387 535 and we will direct you to your nearest glass repair centre. Producing your Certificate of Motor Insurance will entitle you to free security window etching, a proven deterrent against theft.collapse

Section 5- Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occuring in:
- Great Britain, Northern Ireland, Isle of Man and the Channel Islands
- Any other country which is a member of the European Union
- Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein
Using your car abroad
Your policy includes a FREE international Motor Insurance Certificate for a maximum of 30 consecutive days, in any one trip, up to a maximum of 90 days in a year. The International Motor Insurance Certificate is only valid for the above named countries and there is no need to call us if you are taking your car to any of these countries. However, should you wish to travel to any country, not included in the above list, please call us and we may, in some instances, be able to issue a Green Card.
Notice to northern Ireland Policyholders
Your are covered to travel to the Republic of reland if your journey is only for social, domestic or pleasure purposes. However, your policy does not cover commuting to or business use in the republic of Ireland.collapse

Section 5- Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occuring in:
- Great Britain, Northern Ireland, Isle of Man and the Channel Islands
- Any other country which is a member of the European Union
- Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein
Using your car abroad
Your policy includes a FREE international Motor Insurance Certificate for a maximum of 30 consecutive days, in any one trip, up to a maximum of 90 days in a year. The International Motor Insurance Certificate is only valid for the above named countries and there is no need to call us if you are taking your car to any of these countries. However, should you wish to travel to any country, not included in the above list, please call us and we may, in some instances, be able to issue a Green Card.
Notice to northern Ireland Policyholders
Your are covered to travel to the Republic of reland if your journey is only for social, domestic or pleasure purposes. However, your policy does not cover commuting to or business use in the republic of Ireland.collapse

Section 5- Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occuring in:
- Great Britain, Northern Ireland, Isle of Man and the Channel Islands
- Any other country which is a member of the European Union
- Norway, Switzerland, Iceland, Croatia, Andorra and Liechtenstein
Using your car abroad
Your policy includes a FREE international Motor Insurance Certificate for a maximum of 30 consecutive days, in any one trip, up to a maximum of 90 days in a year. The International Motor Insurance Certificate is only valid for the above named countries and there is no need to call us if you are taking your car to any of these countries. However, should you wish to travel to any country, not included in the above list, please call us and we may, in some instances, be able to issue a Green Card.
Notice to northern Ireland Policyholders
Your are covered to travel to the Republic of reland if your journey is only for social, domestic or pleasure purposes. However, your policy does not cover commuting to or business use in the republic of Ireland.collapse

Damage to your Car
2 What we will pay
We will pay either:
- to repair your car, subject to any necessary contribution, or
- a cash sum to replace the lost or damaged car or item not exceeding the market value of the car or item, at the time of damage occurring.collapse

Extra Conditions (endorsements)
5 Protected No Claims Bonus
If you have Protected No Claims Bonus and
- you make two claims within three consecutive insurance terms we will remove the protection at renewal
- you make three claims within three consecutive insurance terms we will remove your protection at renewal and reduce your No Claims Bonus by two years
- you make more than three claims within three consecutive insurance terms we will remove your protection at renewal and reduce your No Claims Bonus to zero.collapse

Section - 6 No Claims Bonus
1. What happens to your bonus if you claim
If you make a claim or a claim is made against you, and you do not have protected or guaranteed No Claim Bonus, we will reduce your No Claims bonus as follows:
One Claim
If you make one claim during your period of insurance you will lose two years No Claims Bonus. If you had five or more years No Claims Bonus you will have three years No Claim Bonus at renewal. So, four years would drop to two years, three years to one year and if you had two years No Claims Bonus or less you would be left with zero No Claims Bonus.
Two claims
If you make two claims during your period of insurance you will loose four years No Claims Bonus. So, if you had five or more years No Claims Bonus this would leave you with one year No Claims Bonus, obviously if you had anything less than five years No Claims Bonus before making your claims you would be left with zero No Claim Bonus.
Three or more claims
If you make three or more claims you will lose all of your No Claims Bonus.
There is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we ave to make a payment, we will reduce your No Claims Bonus unless we can get back all that we have paid form those who are responsible. If you have a query regarding your No Claims Bonus, please ring us.
If you make a claim and your renewal premium has already been calculated, we reserve the right to amend/remove your No Claim Bonus entitlement and revise your premium.
If you wish to protect or guarantee your No Claims Bonus please call our Customer Services Department on 0871 882 0000. Subject to conditions, we will advise if you are eligible to add this to your policy.
2. Claims that dont affect your bonus
- payment made for windscreen damage
- payments for emergency treatment fees
- claims which arent your fault where we have recovered all of our money
3. Named drivers no claims bonus
Any no claims bonus earned by a named driver on your policy is valid only on another Admiral policy. Should that policy cancel, we will only provide a no claims bonus showing the no claims bonus earned on that policy and not include any no claims bonus accrued as a named driver.
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