We’ll either arrange the repairs directly, and/or pay you a settlement amount. An excess may be payable depending on your circumstances.
If your car is written off or a total loss, the value stipulated on your Certificate of Insurance will be paid out to you, less any instalment payments remaining on your policy to cover the remainder of the total annual premium (all policies are annual agreements, regardless of your payment frequency). There may be other deductions, depending on circumstances. Your policy for this car will then end.
If your situation requires you to pay an excess, and the total cost of the damage to your car is less than the excess, no claim can be paid.
If the claimed event falls outside the coverage detailed in your policy, no claim can be paid.