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How to update your Car insurance policy, including changes to your drivers, sum insured, optional benefits, and more.
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How to update your Car insurance policy, including changes to your drivers, sum insured, optional benefits, and more.
Changes to some policy details can increase or decrease what you pay for your insurance. Whether you make a change in the app, online account, or over the phone, we’ll let you know the impact on your premium before you confirm the change.
You can change drivers on your policy during renewal or any other time as a mid-term amendment in either the app or online account.
All drivers over 25 are automatically covered, as long as they have your permission to drive your vehicle and they meet the same terms and conditions that you do. You don’t need to name them. If they have other insurance, their policy applies instead.
Drivers under 25 are not covered by your policy unless you add under-25 cover. Adding under-25 cover usually increases your premium.
You can list specific drivers under 25 on your policy, which can increase your premium but lower the excess payable for a claim. It’s useful for people who drive your vehicle often.
Your excess is the amount you contribute towards a claim. More than one excess may apply.
Choosing a higher standard excess can reduce the cost of your insurance premium. A lower excess means you'll pay less at claim time, but your premium will usually be higher.
Sum insured is the amount you choose to insure your car for. It’s the maximum we’ll pay if your car is stolen or damaged beyond repair. Depending on what’s listed in your policy schedule, it will be either:
Agreed value is the fixed amount you’ll receive for a total loss payout, minus your excess. It should cover the total value of your car, including any modifications or accessories.
Market value is the reasonable cost to replace your vehicle with one of the same make, model, specification, and condition. If your claim is a total loss, we pay either your vehicle's market value just before the loss or damage happened, or your sum insured, whichever is less.
Use the app or online account to change your sum insured at any time.
You can add or remove optional benefits in the app or online account, at any time.
Depending on your type of car policy these include:
Adding optional benefits can increase the price of your policy. If you remove some, your policy may cost less or you may receive a refund, depending on how you pay.
If you buy a new car, you’ll need to set up a new policy with us. If you no longer need to cover your old car, you can cancel your car policy.
If you have the same car listed in your current policy, but have updated the number plate, you can update this anytime in the AMI app or online account.
Let us know about any modifications to your vehicle during your policy term.
Modifications we need to know about are:
For any modifications you make after you buy your policy, call us to let us know.
Accessories are parts of your vehicle that are both:
Examples of accessories include:
You don’t need to let us know about changes in car accessories, but make sure your sum insured covers their value.
If you switch how you use your car, for example you start using it for business instead of personal use, call us to let us know. You may need different cover to stay protected.
If you use your car in any of these ways, you may need Business vehicle insurance instead.
Changing your address on an existing car policy may come with different risk-factors and can increase or decrease what you pay. It’s important to keep this up to date to stay covered.
You can edit your car policy’s address anytime in the AMI app or My AMI.
You can add or remove a finance provider on your policy anytime in the AMI app or online account.