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What happens if my car is a total loss?
If you have Comprehensive Car Insurance and your car is assessed to be a total loss or a 'write off' including where the combined repair costs and salvage value are likely to be more than the amount covered by your policy or your vehicle’s market value (if you have chosen the market value option for your Comprehensive cover) which is listed on your Certificate of Insurance, the amount your car is covered for will be given as a cash payout (less any deductions).
For full details, please download the Comprehensive Car Insurance PDS and Additional Information Guide here.
If your car is less than 2 years old, and you're the first registered owner, we'll replace it with a new car of the same make, model and series (if available within 90 days), or similar if not available. If you choose not to accept the replacement car, or where an agreement cannot be reached between us on a replacement car, or a replacement car cannot be supplied, we will pay you the amount covered on your certificate of insurance (less any deductions). See the PDS for full details here .