Ambulance Insurance

This is the first part of each claim which you (not your insurer) are responsible and must pay. There are two types of excess:

Compulsory excess - This is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided. A compulsory excess may be required if you drive a particular type of vehicle or you have inexperienced drivers on your policy.

A compulsory excess will apply to all damage claims including fire, malicious damage, theft and windscreen claims.

Voluntary excess - You can increase the amount of your voluntary excess and reduce the premium. This will apply in addition to the compulsory excess under the policy. You can ask for a variety of voluntary excesses to suit you when discussing your quotation.

A fault claim is recorded when an accident is either:

• The driver’s fault
• Not the driver’s fault, but the cost can’t be claimed from another party – for example if a parked van is hit and the other driver cannot be found, is vandalised, stolen or catches fire.

If your insurer pays for your damages in a claim, for example where a third party hit you, but then recovers their costs via the third party's insurer, this would be recorded as a non-fault claim as your insurer was not liable.

Read more information on this.

Yes, you must tell your insurer of any incident the insured vehicle is involved in, so that your file is always fully updated, even if no claim is to be made.

An electronic immobiliser is a device fitted to the vehicle that disables the engine of your vehicle when it is not in operation by you. Many newer vehicles have these factory fitted by the manufacturer and are normally shown within your vehicle brochure. It is also possible to have these fitted by a garage or specialist, who would supply a certificate of installation detailing the exact model of your vehicle's immobiliser. A copy of your fitment certificate may be required.

A manual immobiliser is a device which is usually placed on the steering wheel or gear lever of your vehicle.

There are two types of Thatcham graded immobiliser:

1. Thatcham Category 1 =   A combined alarm/immobiliser for a motor vehicle including perimeter, movement and internal ignition detection. A siren powered by its own battery supply will sound off if the vehicle is broken into.
2. Thatcham Category 2 = An immobiliser only unit complying to Thatcham criteria.

* Who are Thatcham? Officially known as the Motor Insurance Repair Research Centre (MIRRC) established in 1969 by the motor insurance industry, have been at the forefront of vehicle safety, repair and security for many years. Since the 1990s The Thatcham Categories for Immobilisers and Alarms have set the benchmark for the motor industry. After research by Thatcham engineers, security devices can achieve Thatcham Security Certification after assessment of their features and performance. Appropriately assessed devices can then meet Thatcham Security Certification

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

Please see your policy documents for full details of any exclusions.