There’s a lot to understand with insurance policy wordings and documents but it’s important to know what’s covered as well as what’s involved with payments, renewals, and claims.
We’re here to help with answers to a few common questions to make the insurance process easier.
Check your policy to see if you’re covered for windscreen damage. You can make a claim online or call us on 0800 100 200 and follow the voice prompts.
If you choose, we can direct you to one of our preferred suppliers to organise the repair or replacement of your windscreen. The benefit of using one of our suppliers is that we guarantee their work, offer a warranty on repairs done, and provide faster turnaround times. You can also use your own repairer, but you’ll still need to make a claim with us, and we can’t guarantee their work.
When you need to claim on multiple policies insured under your name at the same address, for the same incident, you’ll only need to pay one excess amount, the highest applicable excess. We’ll waive the rest.*
*Includes Home, Contents, Car, Motorcycle, Landlord’s, Trailer, Residential Contract Works, Motorhome, Caravan, and Boat policies. The excess applied will be the highest excess under the affected policies. Except in a collision between insured vehicles, in which case it will be the excess of the vehicle driven by the most at fault driver.
Things like handbags, sunglasses, or gym bags that have been stolen from your car are covered under Contents Insurance. Something like a car seat that normally stays in your car, may be covered under Car Insurance.
If there’s someone who is likely to be driving your vehicle regularly, we recommend naming them as a driver.
Check your car insurance policy wording to see if you must name drivers under 25 years, or check your policy schedule if you’ve excluded drivers under 25 years.
In general, any driver over 25 years old will be covered, as long as:
When you add a named driver to your policy, you'll also need to let us know if:
Your insurance premiums are closely linked to individual factors and may change for several reasons. These can include where you live, the age of your home, claims you’ve made, and your sum insured. When we calculate your premiums, we take into consideration higher risk areas like flood prone locations, as well as claims of those considered a similar risk to you.
Even if your individual circumstances haven’t changed, your insurance premiums can still change due to rising cost of repairs and replacements, reinsurance, and increases in government levies. Insurance premiums are regularly reviewed and calculated to ensure you pay a fair and sustainable price for your insurance.
If you need to lower your premium there are some smart ways you can do this.
Chat to our insurance experts to discuss your options, call us on 0800 100 200.
Market value (or Present value) is the value of an item right before any loss or damage occurs and accounting for any wear and tear, loss of value since it was bought, or its reasonable second-hand price. Replacement value is the cost to reinstate or replace the item without deducting any loss of value or wear and tear.
The easiest way to view your policy details, like your excess and sum insured, is through My AMI, your online account, or the AMI app. You can download your policy documents or opt to get them sent to you by email. You can also find policy wordings on our Policy documents page.
If you’ve got AMI Roadside Rescue cover with your Car Insurance and need assistance now, call 0800 800 802 or make a request through the AMI app.
Hearing impaired customers please text 021 30 30 30. We’re here to help 24/7.
