Third Party, Fire & Theft Car Insurance

At AMI, we make it easy to get cover for your vehicle. To get a quote visit AMI car insurance quote online. We recommend that you apply for Car Insurance as soon as you purchase and prior to picking up your new vehicle, as this date cannot be amended.

To get started, enter the type of insurance you require and the registration number of your vehicle. Also let us know whether you have had any incidents or thefts in the last 5 years. Other considerations are whether you want to include other drivers (if someone under the age of 25 who isn’t named on your policy drives it, your car won’t be covered).

Car insurance doesn't cover any intentional or reckless acts if they are caused by you or anyone else covered by your policy. For example, causing damage by intentionally driving into a wall or breaking a side passenger window to gain access to the vehicle.

If you have Comprehensive or Third Party, Fire and Theft cover, you're covered if the damage occurred when the vehicle was unlawfully converted, stolen or while theft of the vehicle was attempted.

Refer to your policy wording for more details about the intentional and reckless acts exclusion.

It's best to tell us as soon as possible when your vehicle has been damaged. We’ll assess it and you can decide if it's worth going ahead with the claim for the repair.

There are a few things that could affect your claim if you delay making it:

1. Is the incident still clear in your memory? We often need specific details from you that you might not remember or can’t access anymore.
2. There's a chance it could get complicated if you have a second accident and the same area of the vehicle is damaged, and you haven't yet let us know about the first accident.
3. Delaying a claim can increase the damage and any extra damage won't be covered in a claim. E.g. rust, structural integrity.
4. The repair cost will only cover the damage as at the time of the accident.

Depending on your situation and the driving history, we may need to increase your premiums and, if an accident occurs where the listed young person is driving, charge a higher excess.

If you are under 25 and are looking to insure your own vehicle, you may be entitled to our Young Drivers Insurance. 

If you'd like to add a driver who is under 25 onto your policy, you can give us a call on 0800 100 200.

When driving a vehicle that doesn't belong to you and you're found to be legally liable for any damage you cause to other people's property as a result of you driving the borrowed vehicle, your own car insurance will cover you. As long as you have the owner's permission to use the vehicle, and your liability isn't covered by any other insurance.

Your own insurance doesn't, however, cover you for damage to the borrowed vehicle.

For more information, please give us a call on 0800 100 200.

Yes, you can upgrade or downgrade your cover at any time and your premium will change accordingly. We’ll send you the revised Policy Documents once the changes have been made.

For more information, please get in touch via Facebook messenger or give us a call on 0800 100 200 to have the changes made.