AMI EP Car Recap

With the AMI Car Insurance updates, what are the following needs we reviewed and considered to improve our insurance product?

• Our new policy wording meets the WriteMark quality award, which means our customer documents are simpler and easier to understand.

• We added more levels of cover to provide more benefits to our customers.

• Our covers are updated to better cater what's important to our customers.

• With more of what customers want, less of what they don't want, alongside choice of optional benefits, we can provide better value policies.

• Our new policy wording is updated to be more comprehensive, which means we use jargon our policies.

Jacob is a stock agent and wants to insure his car, which he uses in connection with his occupation. Can we insure his vehicle?

• Yes

• No

With the recent updates regarding customers making claims, which of the following is NOT true?

• If you pay the premium by instalments, we deduct any premium you owe us up to the end of the period of insurance before we settle a claim.

• For an Agreed Value policy, we pay the Sum Insured.

  For a Market Value policy, we pay the vehicle's Market Value only.

• If your vehicle is repaired using one of our preferred repairers as part of your claim, we give you a quality guarantee on the repairs while you own your vehicle.

• If the customer has Comprehensive, and the vehicle was less than 12 months old, we consider replacing a Total Loss vehicle with a new vehicle. This is at our discretion when assessing the claim and conditions apply.

• We arrange for the vehicle to be repaired by any repairer. We pay to repair the vehicle as near as reasonably possible to the condition it was in just before the loss.

We pay the reasonable cost to replace with new any baby capsule or child car seat that is either:

• The baby capsule is stolen, or damaged during attempted theft, from the vehicle or while temporarily removed if there is no other insurance.

• The baby capsule is damaged following damage to the vehicle for which we accept a claim, in addition to a claim under the ‘Uninsured motorist damage’ automatic benefit.

• The baby capsule is damaged following to the vehicle which we accept a claim, except a claim under the ‘Uninsured motorist damage’ automatic benefit.

• The baby capsule is damaged following damage to another vehicle it was being temporarily used in, if the policy would cover that vehicle damage in the same situation.

• The baby capsule is damaged following damage to another vehicle it was being temporarily used in, if the policy would cover that vehicle damage in a different situation.

Select the following automatic covers would a "Third Party, Fire & Theft" would entail.

• Completion of journey

• Fire extinguisher replacement or refilling

• Incorrect fuel

• Replacement of keys and locks

• Uninsured motorist damage

Select the following optional covers that a "Full Comprehensive" cover would be available to add.

• Excess-free glass

• Hire vehicle or alternative transport after an incident

• Trailer

• Roadside Rescue

Which third-party website is PolicyCenter using to pull data and confirm the vehicle value and sum insured range?

Which of the following is true for Regular Drivers?

• Customers have the option to disclose regular drivers.

• A regular driver is anyone who will use the vehicle more than once every fortnight.

• The premium calculated is based only on the main driver.

• Any drivers that are unsuitable for cover will be excluded through an endorsement.

• During claim time, customers will still have the option to add regular drivers, as regular drivers are optional.

This feature in PolicyCenter is designed to minimize unnecessary questions and unnecessary referrals.

Shaun receives a call from a customer who wants to insure his car. He mentions that he added a roll cage and snorkels. Provide the Answer ID to the KA article that can help Shaun understand the terms customer used.