Collingwood Insurance Jargon Buster
Learning to drive and getting insurance can be a confusing time with so many new words and terms thrown at you at every turn. We have put together this helpful jargon buster to help you understand key terms relating to your policy.
Collingwood customers can earn an accelerated No Claims bonus with only 10 months of continuous cover.* A No Claims Bonus may offer a discount on your next insurance as it proves that there have been no accidents or incidents for the policyholder. We cannot guarantee that your next insurer will accept the No Claims but it will be sent to you if you meet the criteria.
Terms, conditions and underwriting criteria apply.*
Accidental or malicious damage is a type of cover that helps pay for damage to your vehicle, whether it happens by accident or because someone damages it on purpose. Accidental damage might include things like bumping into a post or scraping another car. Malicious damage covers things like vandalism, such as someone keying your vehicle or smashing a window. It’s useful because even small damage can be expensive to fix and might stop you from using your vehicle.
This is the person that will sit with you when you are learning to drive. They must be a full licence holder, who is aged 21 or over and has held a full licence of the required type (manual or automatic) for at least 3 years. The accompanying driver must sit in the front passenger seat of the vehicle to ensure that it is being driven in a safe and legal manner. They must be in the car at all times while you are driving.
An additional driver is a person that is added on to an insurance policy who can then legally drive a car and is protected under the policy holders insurance.
An ADI is an Approved Driving Instructor. This means that the person has fully completed all 3 tests to qualify as a professional instructor and is now on the ADI register. They are able to teach people to learn how to drive and offer professional driving lessons.
Annual cover is a type of insurance policy which covers the policyholder for the full year.
This is a camera used by the police to check licence plates on cars. When driving past these cameras your car registration is checked against the police database.
“We use ANPR (Automatic Number Plate Recognition) technology to help detect, deter and disrupt criminal activity at a local, force, regional and national level. This includes travelling criminals (those using the road network to avoid being caught), organised crime groups and terrorists.” –Police.uk
If you are in an accident and your car needs repairs we will suggest an approved repairer. This is a vehicle repairer authorised by Collingwood or our representative to repair the insured vehicle following a valid claim of the insurance.
This is the audio equipment that comes installed in a car to let you listen to music, the radio, or other sounds while you drive. It includes things like speakers, the stereo or head unit, and sometimes a built-in screen or Bluetooth connection. Some cars come with very basic systems, while others include more advanced features like touchscreen controls or voice commands. Whether factory-installed or added later, audio equipment is part of the vehicle’s entertainment setup and is usually used for personal enjoyment while driving. It should always be used in a way that doesn’t distract you from the road.