Admiral MultiCar (Third Party, Fire & Theft)

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...expand

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 standard accessories and spare parts whilst 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 or Lightning
In the event of your car keys being stolen from somewhere other than your car we will pay up to a maximum of E100 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 your 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 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 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 are buying your 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.
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.
- loss or damage caused by mechanical, electrical, electronic, computer failures, breakdowns or breakages
- any modifications unless they form part of the manufacturers standard specification or are optional extras that we have agreed to cover. See also Extra Conditions [endorsement 11 1
- 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 the 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.
See also ...
Page 18: General Exceptions
Pages 19-22: General Conditions
Pages 23-25: Extra Conditions endorsements
You must tell us about and send us any letter, writ or summons within 48 hours.
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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...expand

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 standard accessories and spare parts whilst 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 or Lightning
In the event of your car keys being stolen from somewhere other than your car we will pay up to a maximum of £100 for the cost of replacing the locks.collapse

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...expand

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 standard accessories and spare parts whilst 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 or Lightning
In the event of your car keys being stolen from somewhere other than your car we will pay up to a maximum of £100 for the cost of replacing the locks.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,...expand

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
The car is covered whilst it is being transported by air, sea or rail between those countries
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
You are covered to travel to the Republic of Ireland 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.
See also ...
Page 20: General Exceptions
Pages 22-25: General Conditions
Pages 26-28: 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 occuring in; -Great Britain,...expand

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
The car is covered whilst it is being transported by air, sea or rail between those countries
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
You are covered to travel to the Republic of Ireland 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.
See also ...
Page 20: General Exceptions
Pages 22-25: General Conditions
Pages 26-28: 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 occuring in; -Great Britain,...expand

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
The car is covered whilst it is being transported by air, sea or rail between those countries
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
You are covered to travel to the Republic of Ireland 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.
See also ...
Page 20: General Exceptions
Pages 22-25: General Conditions
Pages 26-28: Extra Conditions (endorsements)
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We will pay either: - 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...expand

We will pay either:
- 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.
market value
The cost of replacing your car. with one of a similar make, model, year, mileage and condition based on market prices at the time of the loss. Use of the term 'market' means the market in which you would normally shop for your car eg: retail value will not apply if you buy your car privately or at auction. Non-European manufactured cars will be valued based on European import values or the nearest British equivalent, at our discretion.collapse

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...expand

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 zerocollapse

Your 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 a Protected or Guaranteed...expand

Your 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 a Protected or Guaranteed No Claims Bonus, we will reduce your No Claims Bonus as follows:

No Claims Bonus at last renewal date	No Claims Bonus at next renewal date
	1 Claim	2 Claims	3 Claims
1 year	NIL	NIL	NIL
2 years	NIL	NIL	NIL
3 years	1 YR	NIL	NIL
4 years	2 YRS	NIL	NIL
5 years	3 YRS	1 YR	NIL

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 until we can get back all that we have paid from those who are responsible.
If you wish to protect or guarantee your No Claims Bonus please call our Customer Services Department on 0870 548 000. Subject to conditions, we will advise if you are eligible to add this to your policy.
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 Claims Bonus entitlement and revise your premium.
2 Claims that don't affect your bonus
- payments made for windscreen damage
- payments for emergency treatment fees
- claims which aren't your fault where we have recovered all of our money
See also ...
Page 18: General Exceptions
Pages 19-22: General Conditions
Pages 23-25: Extra Conditions (endorsements) Specifically extra conditions 5 & 6.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...expand

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 would have three years No Claim Bonus at renewal. So four years would drop to two years, three years to one 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. If you had five or more years No Claims Bonus this would leave you with one year of 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 8208. 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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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...expand

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 zerocollapse