Car Insurance Benefits

Features and benefits

Type of policy

Significant or unusual limits and exclusions

Comprehensive

Third party fire and theft

We will pay for loss of or damage to your car and its accessories and spare parts while they are in or on the car.

We will not cover any reduction in the market value of your car because it has had to be repaired. We will not cover mechanical or electrical breakdowns.We will not cover loss or damage arising from putting the wrong fuel or lubricant into your engine. Your excess (the first part of a claim you must pay) is shown on your schedule.

We will cover Personal Belongings up to £250 and Replacement locks up to £500.

We will cover loss of or damage to your car, including glass breakage, by fire or theft. You will not pay an excess if you make a claim for fire or theft and it will not affect your no-claims discount.

We will not cover loss or damage caused by theft or attempted theft, if the keys (or keyless entry system) are left unsecured or left in or on an unattended car.

We will replace your car with a new model if you make a claim.

Your car must be less than a year old and have damage that costs more than 50% of its value to repair.

A maximum limit of £350 will operate for all fees connected with towage and storage only if you notify us of any accident or loss within 48 hours.

You can reduce your standard policy excess by £100 if you use an AXA garage.

We will pay for a broken or damaged windscreen, windows or sunroof glass in your car and scratching of the bodywork caused by them breaking. If this is the only damage you claim for, your no claim discount will not be affected.

Glass cover will be limited to £150 when our approved repairer is not used. A £60 excess will also apply.

The policy applies while your car is towing a caravan or trailer.

We will not cover loss of or damage to the towed caravan or trailer.

We will provide cover for your legal liability for accidental death or injury to other people as a result of using your car. Cover is unlimited.

We will cover legal liability for damage to other people’s property due to an accident as a result of using your car.

We will not pay more than £20 million.

We will cover you while driving other cars you do not own or have not hired under a hire-purchase agreement.

There are some exceptions where this does not apply, please see your certificate and schedule.

You have cover to drive in the European Union and European Union-approved countries.

Full policy cover applies for trips of up to 31 days in a row during the period of insurance. The minimum cover you need in these countries applies while the policy is in force.

You can earn up to 75% no-claims discount.

You may lose this discount if you make a claim.

You have a ‘step back’ facility if you are earning 63%, 70% or 75% no-claims discount. This means that you will only lose part of your discount if someone makes a claim against you.

The ‘step back’ no-claims discount facility will not apply if you are convicted of dangerous driving or a drink-driving or drugs offence under road traffic laws following an accident.