Car Insurance Glossary

Your Churchill car insurance policy document contains all the information about your policy, but to help further, here’s our glossary of car insurance-related terms.

Accessories
Parts or products specifically designed to be fitted to your vehicle. We may treat some accessories as modifications, so please tell us about any alterations to your vehicle.
Approved repairer
A repairer we have approved and authorised to repair your vehicle following a claim under Section B or Section C of your policy.
Approved windscreen supplier
A repairer we have approved and authorised to repair or replace your windscreen as shown on your Schedule.
Certificate of Motor Insurance
This document provides evidence that you have taken out the insurance you must have by law. It identifies who can drive your vehicle and the purposes for which your vehicle can be used.
Excess
The amount you must pay towards any claim.
Market value
The cost of replacing your vehicle with another of the same make and model and of a similar age and condition at the time of the accident or loss. If you bought your vehicle at a lower price than would normally be found in UK trade guides, we will reduce the market value accordingly.
Motor Proposal Confirmation
The document recording the statements made and information you gave or which was given for you when you bought your policy.
Partner
Your husband, wife, civil partner or someone you are living with as if you are married to them.
Policy
The policy booklet, Schedule, Motor Proposal Confirmation and Certificate of Motor Insurance.
Schedule
The document which identifies the policyholder and sets out details of the cover your policy provides.
Terms
All terms, exceptions, conditions and limits which apply to your policy.
Track day
When your vehicle is driven on a racing track, an airfield or at an off-road event.
Trailer
Any form of trailer which has been specially built to be towed by a vehicle.
Your vehicle
Any private motor vehicle insured under your policy and described in the Certificate of Motor Insurance. In Sections B ‘Damage to your vehicle’ and C ‘Fire and theft’, the term ‘vehicle’ also includes its accessories and spare parts, whether they are on or in the vehicle, or in your locked private garage.
We, us, our, the company
Churchill Insurance Company Limited.
You, your
The person named as the policyholder in the Schedule.
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