Enjoy peace of mind at claims time – our Comprehensive and Third Party, Fire and Theft car policies are based on agreed value.Agreed value is the amount for which we have agreed to insure your car. It includes the value of any modifications and/or accessories we have agreed to and includes reasonable depreciation every renewal. Market value is the industry term for what your car would fetch on the open market, as is. It is not the trade-in value, nor what an unusual purchaser, such as a collector, would pay for your car. It's a true reflection of what the market would pay for that specific car in its current pre-accident condition.

If your car is damaged beyond repair, or stolen, the difference between market and agreed values can become all too apparent.

If your keys are stolen, our Comprehensive Car Policy helps cover the cost to replace both your keys and locks. A low excess applies, and your broker can let you know the specific cover limit.

Getting the right cover is important, especially when you need to make a claim. That’s why our Comprehensive car policy allows you to add optional cover if you need it.