In some sections of your policy you can pay a higher voluntary excess in return for a reduction in premium. In other sections the excess is fixed. Look at your quote or policy details for more information. Or call us on 0345 246 8539 for car insurance or 0345 246 8534 for home insurance.
If you make a claim you may be asked to show evidence of value and ownership, such as receipts and instruction manuals. This is very important for any named valuables on the policy – items like jewellery, watches or works of art.
A car is written off if it's more expensive to repair it than to replace it.
If you have our Comprehensive cover:
If you're the first and only registered owner and your car is less than one year old, we'll try to get you a replacement car (same make and model). If we can't find one, we'll pay the market value of your car at the time of the accident (less any excess that may apply).
If you have our Comprehensive Plus cover:
If you're the first and only registered owner and your car is less than two years old, we'll try to get you a replacement car (same make and model). If we can't find one, we'll pay the market value of your car at the time of the accident (less any excess that may apply).
If your car is more than one year old and is written off (Comprehensive cover) or if your car is more than two years old and is written off (Comprehensive Plus cover), we'll offer to help find you a replacement using our nationwide network. You can also choose to upgrade your car by paying the difference.
Or, if you don't want to use this service, you may prefer to simply accept a bank transfer for the market value of your car at the time of the accident (less any excess that may apply).
We're unable to provide this service for theft claims. A minimum purchase price of £3,500 will apply, and an exact match is subject to availability.
Our team of engineers make sure we correctly value your vehicle. They follow the same process every time, and take in to account current market prices.
Yes, although if you use one of our recommended garages all parts and repairs are guaranteed for five years.
