• Agreed Value. The vehicle value is agreed upfront a ‘pay out’ value for your car, locked in for the term of the policy. If your car is written off or stolen, you will receive 100% of this sum without any deductions.
• No penalty for ‘no blame’ and ‘no fault’ claims such as your vehicle being hit whilst parked.
• Fully comprehensive cover for all named drivers to drive vehicles not belonging to them.
• Fully comprehensive cover for non-family members to driving the insured vehicles
• Like for like courtesy car, even after a fire or theft claim
• Freedom to choose your own repairer. Use of original manufacturers’ parts & no deduction for wear & tear.
• European breakdown cover
• Unlimited audio equipment

• Mr M took the car to his preferred local garage- the Jaguar dealership where he bought the vehicle.
• He opted for a hire car, similar to his own, paid for by Chubb.
• He needed new panelling and a new set of tyres. He did not have to contribute towards the wear and tear of the old, partly worn tyres.
• The full cost of his £4600 stereo was reimbursed.
• When he comes to renew his policy he will not incur a penalty, as the incident was not his fault.

• He would have to use one of the garages stipulated by the insurer
• He would be offered a group A courtesy car which as he uses his vehicle for business probably would be adequate leading to him hiring a vehicle at a cost to himself of £1650.
• As the tyres are partly worn the, he would have to make a £600 contribution towards their replacement.
• His policy limits audio equipment to £500.
• At renewal he will incur a penalty increase in his premium of around £300. As they cannot recover their costs his insurers would regard this as a fault accident.