Third Party Fire & Theft Policy Benefits:
This is only a summary of key benefits. For full details, exclusions and limitations please read your policy document.
Latest Policy Document
Frequently asked questions
You can add Excess-Free Glass Cover to your Comprehensive or Third Party, Fire & Theft policies.
Glass Cover is not available on Third Party, Classic Vehicle, Motorcycle, Caravan and Trailer policies. If you choose not to include Excess-Free Glass Cover on your Third Party, Fire & Theft policy, damage to your windscreen or window glass is covered only if it’s caused by attempted theft or vandalism and the excess would still apply.
If you choose not to include Excess-Free Glass Cover on your Comprehensive policy, we will still insure your windscreen and window glass, but you will need to pay an excess for any claim you make.
Agreed Value is the amount we have agreed to insure your vehicle for and is set at the beginning of each period of cover. The value shown on your policy schedule is what you will receive if your car is written off or stolen and does not change during this period of cover.
Your Agreed Value is automatically reviewed at each renewal and is based on a figure provided by ‘Redbook’, a company that specialises in vehicle valuations. They update us with new values on a monthly basis. They calculate valuations using current market conditions such as sales at auction, dealerships, manufacturers, newspapers and field research. It is important you check the value shown on your policy schedule and discuss it with us if you have any concerns.
Our car insurance has an open driver policy, unless a special term has been applied to your policy. This means that any licensed driver who has your permission to drive your car, will automatically be covered, provided they don’t have any unacceptable traffic or criminal convictions and have not made any unacceptable claims or had unacceptable accidents (for example, using the car illegally). Please see your policy schedule to determine if a special term has been applied to your policy.
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