freeBmax is our way of saying thank you for insuring with us and rewarding you for driving safely. It is FREE, does not have an expiry date and is only available to AMI customers!
freeBmax is AMI’s maximum No Claim Bonus protection. It helps you keep your maximum No Claim Bonus discount by allowing you to make up to two claims that would have normally reduced your No Claim Bonus discount (what we call a ‘Bonus Reducing Claim’) in any 12 month period.
No, freeBmax is exactly that – FREE!
The great thing about freeBmax is it applies to the policy, not the person. This means you can have maximum No Claim Bonus protection on more than one vehicle, as long as each policy qualifies for freeBmax.
To be eligible for freeBmax, a policy must meet all of the following conditions:
- Be either AMI Private Vehicle Cover or AMI Vintage & Classic Car Cover.
- Have received AMI’s maximum No Claim Bonus discount continuously for the last 12 months.
- Not had a Bonus Reducing Claim in those 12 months.
Once your policy meets these conditions it will automatically qualify for freeBmax. We’ll write and let you know. There’s nothing you need to do.
If you switch to AMI for Private Vehicle or Vintage & Classic Car insurance, your policy will be eligible for freeBmax once you have been with us for 12 months on our maximum No Claim Bonus discount without a Bonus Reducing Claim.
freeBmax protects your No Claim Bonus for up to two Bonus Reducing Claims within any 12 month period. In the event of a third Bonus Reducing Claim within that 12 months, you would lose freeBmax and your No Claim Bonus would be reduced at your next renewal.
We have designed freeBmax so that AMI customers who receive freeBmax should keep it forever. However, there are some circumstances in which you will lose freeBmax. These are:
- You make a third Bonus Reducing Claim on the same policy within any 12-month period. Note that your No Claim Bonus will reduce because of the third claim and additional claims may reduce your No Claim Bonus further.
- Your No Claim Bonus falls below the maximum as a result of a change in your policy cover. E.g. you add a new principal driver who does not qualify for maximum No Claim Bonus.
- Your policy moves from a qualifying to a non-qualifying vehicle class. E.g. you change from AMI Private Vehicle Cover to AMI Third Party Vehicle Cover.
- Your vehicle policy lapses because of non-payment of the premium, requiring a new policy to be written.
No, each policy is assessed separately for freeBmax eligibility. In order to be eligible, each policy must have 12 months of qualifying history on its own.
We can assist you by advising you on whether the claim is worthwhile, taking into account the No Claim Bonus loss and excess in relation to the costs of the claim. However, it is your decision to proceed with the claim or not.
No, it will only be removed from that policy. Any of your other policies with freeBmax will not be affected.
AMI’s Third Party policies are not eligible for freeBmax, so if you reduce your cover to Third Party, freeBmax will not apply to the policy. freeBmax will be reapplied if the policy reverts back to AMI Private Vehicle or AMI Vintage & Classic Cover and still meets the following conditions: The policy receives AMI’s maximum No Claim Bonus discount and has 12 months without a Bonus Reducing Claim that would normally reduce the maximum No Claim Bonus discount.
Note: If the Third Party policy has a claim in the previous 12 months, it will need to build up the required history again before a change to AMI Private Vehicle will result in freeBmax being immediately applied to the policy.
Please come in to one of our branches or call us toll-free on 0800 100 200.
Download the freeBmax brochure [ PDF 322 KB]