A sudden, unintended and unforeseen occurrence.

This contains personalised information about the insurance you have with us.  It contains your level of cover, excess and details of special things that you’ve insured.

The amount for which we agree to insure your vehicle. We work out the amount based on the fair value given for your vehicle’s make and model.

Things which have been added to your car but don’t enhance its performance, like stereos, mag wheels and navigation systems. 

When you tell us about the accidental damage to or loss of your insured property (your car, house or possessions) and you ask us to reimburse you for it.  A claim includes where we will pay for your l [..]

The insurance we provide to look after your belongings. 

Taking age, use and condition into account when establishing what something is worth immediately before it was damaged or lost.   

A provision in a policy that means certain circumstances are not covered. 

When you make a claim, you pay a small part of the cost and we pay the rest.  Your part is called the excess.  The cost of your excess depends on a number of factors.  You pay an excess only when you [..]

The person named on an insurance policy.  Most often, this is the person who owns the property.