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If you make a claim and we've already posted your renewal pack, we will have to amend your No Claims Bonus entitlement and revise your premium.
We will let you know what your new premium is as soon as you notify us about the claim. We will reduce your No Claims Bonus for every claim you make where we don't recover all of our costs.
Your No Claims Bonus will be reduced by two years or whatever you have if less than that for every fault claim you make. Also, you won't get an extra year's No Claims Bonus when your policy is due for renewal.
If you make three fault claims in three years, we will remove the protection and reduce your No Claims Bonus by two years.
We hope that won't be the case, but if you don't want to renew your policy, please contact us here. Yes, LittleBox does send location information but we also look at how well you drive in order to offer you the best discount possible.
We only share the information with those companies required to provide the services under the policy, such as the telematics LittleBox service provider.
During your quote just let us know how many miles you will cover over the year, and your premium will automatically include these.
If during the year you need to travel further you will need to inform us, so we can increase your mileage to ensure you remain covered.
We will contact you regarding the installation of your LittleBox. If you do not renew your policy there will be no additional charges.
We do not ask you to tell us who is driving the insured vehicle at any particular time. We offer three levels of cover - Admiral Home, Admiral Gold and Admiral Platinum - as you'd expect, the Gold cover offers slightly more than the Home, while Platinum covers more than the Gold.
All three levels offer unlimited buildings cover subject to eligibility and access to a 24 hour emergency helpline. For more information on what's included with each level of cover just visit our main Home Insurance webpage.
Our definition of high risk items can be found in your policy booklet so please check that carefully, but it includes things such as jewellery, watches, precious metals, works of art, sporting equipment, collectables, furs and musical instruments.
You can then choose to cover each item away from the home. You can add personal possessions cover to our Admiral Home and Admiral Gold.
It covers items which belong to you or your family, which are portable and normally worn, used or carried outside the home in everyday life such as handbags, headphones, tablets and also includes sports, musical and camping equipment.
Your items will be covered up to the amount you require, subject to maximum limits. Our definition of high risk items can be found in your policy booklet.
If your circumstances change, please let us know straightaway. Changes we don't know about could invalidate your insurance.
If you're not sure whether you need to tell us about a change. In some cases, a proof of valuation or purchase receipt - dated within the last 3 years - is required within 30 days of the start of your policy.
Photocopies or good-quality photographs are acceptable as long as they can be clearly read. They can be sent to us in a number of ways.
Please ensure that your policy number is noted on any document you send:. Visit our make a claim page for more information on making a claim.
An excess is the amount you must pay in the event of any claim. Just check your policy schedule for details of the excess that applies for the incident you are claiming for.
More than one excess may apply and total excess may vary depending on the cause of the loss or damage.
Your excess will either be deducted from settlement of your claim, or alternatively, our appointed supplier will collect this amount from you. You can find details of your policy cover in your Policy Booklet along with your Home Policy Schedule.
You may find this helpful before ringing us to report a claim. However, if you would prefer to call us, one of our dedicated Claim Handlers will be happy to help and advise you further on your policy cover.
It all depends on the circumstances - some claims are more straightforward than others. When you call to register a claim, our claim handlers will try to give you an idea of the timescales involved.
Yes, please keep any damaged items in a safe place. They may need to be inspected or used as evidence of proof of ownership - this may help us settle your claim faster.
You must then opt to have this cycle covered away from home if required. Mobile phones are covered up to the amount shown on your policy schedule.
We will cover the handset but not mobile phone charges, loss of airtime or any damage caused by liquids. Anyone can read the policy book.
Your personal documents are specific to you and the cover you bought. Examples include your certificate of insurance and policy schedule.
Unfortunately, the form could not be processed at this time. Please use our simple contact us form and we will get back to you within 24 hours.
Homepage My Account. Login to myaccount Register for myaccount. Go to policy books. Learner Driver Insurance. Car Sharing Insurance.
GAP Insurance. Car Warranty. Home Insurance Landlord Insurance. Van Insurance. Login to myaccount Register for myaccount Contact us.
Travel Insurance In the portal you can: Manage your policy View your policy documents Get a new travel policy quote To make a change to your policy please contact us.
Login to the portal Contact us. Policy Books As well as your personal documents found in the Portal you can find policy books relevant to your cover on the policy books page.
Pet Insurance Make a claim To make a Claim download a Pet Insurance claim form and then email to petclaims insurancefactory.
Personal Loans Car Finance. Log in to your account. Contact us. Having trouble paying back your loan? Help with your payments.
How can I pay? You'll need to use the same payment method for all of the cars on your MultiCar policy. Do I need to be the registered owner of the car to insure it?
What type of cover can I buy? We offer three levels of car insurance cover: Comprehensive cover offers you the highest level of protection.
You are covered for accidental damage, fire, theft or malicious damage to your own car, as well as any damage you cause to other people and their property.
Third Party Only cover is the lowest level of protection available. You are covered for any damage you cause to other people and their property.
Your car is not covered for any type of loss or damage. What is the difference between a month Bonus Accelerator and an annual policy? Why do I have to tell you what I use my car for?
This does not cover use between home and work. Social and Commuting: Using your car for social, domestic and pleasure purposes and use by the policyholder or any other driver covered by the policy for travel between home and permanent place of business.
This does not cover any form of business use, including journeys to different places of work. Business for Policyholder Only: This includes Social and commuting use for the policyholder only, to use the vehicle in connection with their business or profession and different places of work.
Business for All: This includes Social and Commuting as well as use by the policyholder and all named drivers, to use the vehicle in connection with their business or profession and at different places of work.
What is No Claims Bonus? Your No Claims Bonus builds up to a maximum of 15 years. Will you accept No Claims Bonus proof from abroad?
Will you accept company car No Claims Bonus? When can I protect my No Claims Bonus? Can you cover an imported car? The slots of our online casino are as fun as they are varied!
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