How we settle your claim

We choose how your claim is settled
If we agree to pay a claim for loss, theft or damage to your car we will decide if we will:
– repair the damage;
– replace the damaged parts of your car;
– pay you what it would cost us to repair or replace the damaged parts of your car;
– settle your claim as a total loss; or
– pay you up to the maximum you are entitled to under the applicable additional feature or option.

For additional features and optional covers
If we agree to pay a claim under an additional feature or optional cover, we will settle your claim in accordance with that additional feature or optional cover.

For a windscreen claim
If we agree to pay a claim for damaged windscreen or window glass, we will either:
– choose to repair the damaged area; or
– choose to replace the damaged windscreen or window glass.

For Third Party Property Damage claims
If you make a third party property damage claim that is covered under this policy we can decide to defend you, settle any claim against you or represent you at an inquest, official enquiry or court proceedings. If we decide to defend you, settle any claim against you or represent you, then you must give us all the help we need, including help after your claim is settled.