Admiral MultiCar (Third Party, Fire & Theft)

Fire and theft
1 Cover for your car and its accessories
If your car is lost or damaged as a result of fire, lightning, theft or attempted theft, we will cover you for the loss or damage to:
- your car
- your car's standard accessories and spare parts whilst in or on your car
- your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car (The most we will pay for loss or damage to this equipment is 15% of your car's market value or £1,250 whichever is less).
In the event of your car keys being lost or stolen from somewhere other than your car we will pay up to £100 for the cost of replacing the locks.
2 What we will pay
We will decide how to settle your claim.
We will either:
- pay to repair your car, or
- pay a cash sum to replace the lost or damaged car or item. We may reduce the settlement for or ask you to contribute towards the repair costs if the parts replaced were already worn or damaged or for removable audio/visual equipment that was not removed.
If we give you a cash sum, the most we will pay is the market value of the car or items claimed for.
If your car cannot be repaired economically, we will get it moved to a place of free and safe storage as soon as possible.
If your car is unrepairable, the salvage of your car will become our property after settlement.
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 you have bought your car by hire purchase, or you are leasing it, we will pay any money owed to that company first and then pay any remaining money to you.
3 What is not covered
We will not pay:
- where your car is taken or driven without your 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/visual 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
- for any loss or damage caused by mechanical, electrical, electronic, computer failures, breakdowns or breakages
- any modifications unless they form part of the manufacturers standardspecification 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
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 safe 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 tell us immediately where your car is or you will be responsible for any charges that occur. See also...
Page 20: General Exceptions
Pages 22-26: General Conditions
Pages 27-29: Extra Conditions (endorsements)
You must tell us about and send us any letter, writ or summons within 48 hours
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1 Cover for your car and its accessories
If your car is lost or damaged as a result of fire, lightning, theft or attempted theft, we will cover you for the loss or damage to:
- your car
- your car's standard accessories and spare parts whilst in or on your car
- your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car (The most we will pay for loss or damage to this equipment is 15% of your car's market value or £1,250 whichever is less).
In the event of your car keys being lost or stolen from somewhere other than your car we will pay up to £100 for the cost of replacing the locks.
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1 Cover for your car and its accessories
If your car is lost or damaged as a result of fire, lightning, theft or attempted theft, we will cover you for the loss or damage to:
- your car
- your car's standard accessories and spare parts whilst in or on your car
- your car phone, CD player, radio cassette player or any other audio/visual equipment, as long as they are permanently fitted to your car (The most we will pay for loss or damage to this equipment is 15% of your car's market value or £1,250 whichever is less).
In the event of your car keys being lost or stolen from somewhere other than your car we will pay up to £100 for the cost of replacing the locks.
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Section 5 - Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring 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
The car is covered whilst it is being transported by air, sea or rail between those countries.
Using your car abroad
Your policy automatically includes a FREE International Motor Insurance Certificate for up to 30 consecutive days, in a trip, up to a total 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.See also...
Page 20: General Exceptions
Pages 22-26: General Conditions
Pages 27-29: Extra Conditions (endorsements)
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Section 5 - Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring 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
The car is covered whilst it is being transported by air, sea or rail between those countries.
Using your car abroad
Your policy automatically includes a FREE International Motor Insurance Certificate for up to 30 consecutive days, in a trip, up to a total 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.See also...
Page 20: General Exceptions
Pages 22-26: General Conditions
Pages 27-29: Extra Conditions (endorsements)
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Section 5 - Going abroad
Your policy gives you the cover described in your current Certificate of Motor Insurance for events occurring 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
The car is covered whilst it is being transported by air, sea or rail between those countries.
Using your car abroad
Your policy automatically includes a FREE International Motor Insurance Certificate for up to 30 consecutive days, in a trip, up to a total 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.See also...
Page 20: General Exceptions
Pages 22-26: General Conditions
Pages 27-29: Extra Conditions (endorsements)
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2 What we will pay
We will decide how to settle your claim.
We will either:
- pay to repair your car, or
- pay a cash sum to replace the damaged car or item. We may reduce the settlement or ask you to contribute towards the repair costs if the parts replaced were already worn or damaged or for removable audio/visual equipment that was not removed.
If we give you a cash sum, the most we will pay is the market value of the car or items claimed for.
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3 Protected or Guaranteed no claims bonus
If eligible, you can choose to pay an additional premium at the start of your policy or at renewal, to protect or guarantee your No claims Bonus. By doing this you can prevent your no claims bonus being reduced after a fault claim has been made on your policy. There are differences in the level of protection given, so for further details please see Pages 27-29 Extra Conditions (endorsements), specifically extra conditions 5 & 6.
If you wish to protect or guarantee your No Claims Bonus, please call our Customer Services Department on 0871 882 8208 and we will let you know if you are eligible to add this to your policy. Calls to 0871 numbers are charged at 8p per minute plus network extras.
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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 Claims 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 Claims Bonus at renewal.Two claims
If you make two claims during your period of insurance you will lose four years No Claims Bonus. If you had five or more years No Claims Bonus you will have one year at renewal.Three or more claims
If you make three or more claims you will lose all of your No Claims Bonus.
This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we have to make a payment, we will reduce your No Claims Bonus unless we can get back all that we paid from those responsible. If you have a query regarding your No Claims Bonus, please call us.
If you make a claim and your renewal premium has already been calculated, we reserve the right to amend or remove your No Claims Bonus and change your premium.
2 Claims that don't affect your bonus
n payments made for windscreen damage
n payments for emergency treatment fees
n claims which aren't your fault where we have recovered all of our money
3 Protected or Guaranteed no claims bonus
If eligible, you can choose to pay an additional premium at the start of your policy or at renewal, to protect or guarantee your No claims Bonus. By doing this you can prevent your no claims bonus being reduced after a fault claim has been made on your policy. There are differences in the level of protection given, so for further details please see Pages 27-29 Extra Conditions (endorsements), specifically extra conditions 5 & 6.
If you wish to protect or guarantee your No Claims Bonus, please call our Customer Services Department on 0871 882 8208 and we will let you know if you are eligible to add this to your policy. Calls to 0871 numbers are charged at 8p per minute plus network extras.See also...
Page 20: General Exceptions
Pages 22-26: General Conditions
Pages 27-29: Extra Conditions (endorsements)
Specifically extra conditions 5 & 6
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3 Protected or Guaranteed no claims bonus
If eligible, you can choose to pay an additional premium at the start of your policy or at renewal, to protect or guarantee your No claims Bonus. By doing this you can prevent your no claims bonus being reduced after a fault claim has been made on your policy. There are differences in the level of protection given, so for further details please see Pages 27-29 Extra Conditions (endorsements), specifically extra conditions 5 & 6.
If you wish to protect or guarantee your No Claims Bonus, please call our Customer Services Department on 0871 882 8208 and we will let you know if you are eligible to add this to your policy. Calls to 0871 numbers are charged at 8p per minute plus network extras.
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