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, we offer the freeBmax benefit at no extra premium
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 customer’s policy must meet all of the following conditions:
Once your policy meets these conditions it will automatically qualify for freeBmax. There’s nothing you need to do.
AMI Private Vehicle policies (Comprehensive, Third Party Fire & Theft or Third Party only), or AMI Vintage & Classic car policies could qualify.
If you’ve had no claims in your last four years of driving – you will be eligible for freeBmax;
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:
freeBmax applies to the policy, not the person. Once your new AMI Private Vehicle or Vintage & Classic Car policy has received AMI’s maximum No Claim Bonus discount continuously for the last 12 months, and as long as it hasn’t had a Bonus Reducing Claim in those 12 months, it will automatically qualify for freeBmax.
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.
If you change from AMI Private Vehicle Comprehensive Insurance to an AMI third party policy, your freeBmax will automatically apply to the new policy.
Young drivers (under 25) with AMI Private Vehicle policies (Full Cover, Third Party Fire & Theft or Third Party only), or AMI Vintage & Classic car policies could qualify: