You've got questions, we're here to give you answers

Yes, book online or call your nearest branch to arrange a visit

You will need your vehicle fitness and registration.

However, if the vehicle is not yet registered, you will need the C78 form.

Where the repairs or replacement due to a loss, results in the insured receiving something better than he had before the loss, the difference is known as “betterment” referred to as new for old. The insured is to contribute for the difference.

This refers to the value of a vehicle immediately before an accident. It is determined by reference to the dealer’s price and by applying a rate of depreciation to that value. The depreciation rate takes account of the age of the vehicle and is usually an agreed market rate.

When the vehicle is destroyed or the cost of repairs is uneconomical.

Providing that the estimate of repairs is properly done, and the parts are available, the report will take an average of five working days.

If the repairer discovers additional damage when repairing the vehicle, the repairer will provide an estimate for the additional repairs. This is not unusual because a vehicle involved in a crash may have damage parts that are not visible when the estimate is written but become visible once repairs begin.

The estimated market value is the highest estimated price for which the vehicle can be sold on the date of the valuation between a willing buyer and seller in an open and competitive market.

“Force sale value” is the amount that may reasonably be received from the sale of the motor vehicle under forced sale conditions that do not meet all the criteria of a normal market transaction. It is an unwilling seller condition, and/or disposal under compulsion or duress.