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Glossary

# A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

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"C" FLANGE

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"C" FLANGE A type of flange used with close coupled pumps, speed reducers, and similar applications where the mounting holes in the f flange are threaded to receive bolts. Normally th... Read more

"D" FLANGE

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"D" FLANGE A special end shield with holes for through bolts in the flange and is primarily used for mounting the motor on gear boxes or bulkheads. Standardized for frames 143T throug... Read more

A

AC (ALTERNATING CURRENT)

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AC (ALTERNATING CURRENT)The commonly available electric power supplied, an AC generator and is distributed in single or three-phase forms. AC current changes its direction of flow (cycles).

AC MOTORS

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AC MOTORS A Motor (see motor definition) operating on AC current that flows in either direction (AC current). There are two general types: Induction, and Synchronous.

Accidental Means

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Accidental MeansUnexpected or undesigned cause of an accidental bodily injury. Under a definition of accidental means, the mishap itself must be accidental, not just the resulting injury.

ACTIVE IRON

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ACTIVE IRON The amount of steel (iron) in the stator and rotor of a motor. Usually the amount of active iron is increased or decreased by lengthening or shortening the rotor and stator (they are gener... Read more

Actuary

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ActuaryA specialist in the mathematics of insurance who calculates rates, reserves, dividends and other statistics

Adjuster

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AdjusterA representative of the insurer who seeks to determine the extent of the insurer's liability for loss when a claim is submitted

Air Filtration System

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Air Filtration SystemSystem that cleans smog, pollen, exhaust, smoke and odors out of the air. Cleans both interior circulated air and that coming from the outside.

AIR GAP

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AIR GAPThe space between the rotating (rotor) and stationary (stator) member in an electric motor.

AIR PRESSURE SWITCH

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AIR PRESSURE SWITCHUsed on motors with blowers to measure the difference in pressure across the filter so as to detect a clogged filter.

AIR TEMPERATURE SWITCH

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AIR TEMPERATURE SWITCHA device used in air hooded motors to detect the temperature of the exhausted air. When used in this manner an air temperature switch will detect blockage in the cooling air syst... Read more

ALTITUDE

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ALTITUDEThe atmospheric altitude (height above sea level) at which the motor will be operating; NEMA standards call for an altitude not exceeding 3,300 ft. (1,000 meters). As the altitude increases ab... Read more

AMBIENT TEMPERATURE

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AMBIENT TEMPERATURE The temperature of the surrounding cooling medium, such as gas or liquid, which comes into contact with the heated parts of the motor. The cooling medium is usually the air surroun... Read more

ANTI-FRICTION BEARING

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ANTI-FRICTION BEARINGAn anti-friction bearing is a bearing utilizing rolling elements between the stationary and rotating assemblies.

Anti-Lock-Braking System

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Anti-Lock-Braking System A braking system that senses when any of the wheels have locked up, or are about to, and automatically reduces the braking forces to keep the wheels rolling. Commonly called A... Read more

ARMATURE

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ARMATUREThe portion of the magnetic structure of a DC or universal motor which rotates

ARMATURE CURRENT, AMPS

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ARMATURE CURRENT, AMPSRated full load armature circuit current.

ARMATURE INDUCTANCE, MH

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ARMATURE INDUCTANCE, MHArmature inductance in milli-henries (saturated).

ARMATURE REACTION

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ARMATURE REACTIONThe current that flows in the armature winding of a DC motor tends to produce magnetic flux in addition to that produced by the field current. This effect, which reduces the torque ca... Read more

ARMATURE RESISTANCE, OHMS

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ARMATURE RESISTANCE, OHMSArmature resistance is measured in ohms at 25ƒ C. (cold)

AXIAL THRUST

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AXIAL THRUSTThe force or loads that are applied to the motor shaft in a direction parallel to the axis of the shaft. (Such as from a fan or pump)

B

BACK END OF A MOTOR

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BACK END OF A MOTORThe back end of a normal motor is the end which carries the coupling or driving pulley. (NEMA) This is sometimes called the drive end (D.E., pulley end P.E.) etc.

BASE SPEED, RPM

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BASE SPEED, RPMThe speed which a DC motor develops at rated armature and field voltage with rated load applied.

BEARING LIFE

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BEARING LIFERating life, L10 (Bl0), is the life in hours or revolutions in which 90% of the bearings selected will obtain or exceed. Median life (average life), L50(B50)

BEARINGS

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BEARINGSAre used to reduce friction and wear while supporting rotating elements. For a motor it must provide a relatively rigid support for the output shaft. The bearing acts as the connection point ... Read more

BRAKES

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BRAKESAn external device or accessory that brings a running motor to a standstill and/or holds a load. Can be added to a motor or incorporated.

BRAKING TORQUE

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BRAKING TORQUEThe torque required to bring a motor down to a standstill. The term is also used to describe the torque developed by a motor during dynamic braking conditions.

BREAKDOWN TORQUE

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BREAKDOWN TORQUEThe maximum torque a motor will develop at rated voltage without a relatively abrupt drop or loss in speed.

Broker

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BrokerInsurance salesperson that searches the marketplace in the interest of clients, not insurance companies.

BRUSH

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BRUSHA piece of current conducting material (usually carbon or graphite) which rides directly on the commutator of a commutated motor and conducts current from the power supply to the armature winding... Read more

C

CANOPY (DRIPCOVER)

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CANOPY (DRIPCOVER)A protective cover placed on the top of a motor being mounted vertically to protect it from liquids or solids that might drop onto the motor. (It acts similar to an umbrella for the ... Read more

CAPACITOR

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CAPACITORA device which, when connected in an alternating-current circuit, causes the current to lead the voltage in time phase. The peak of the current wave is reached ahead of the peak of the voltag... Read more

CAPACITOR MOTOR

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CAPACITOR MOTORA single-phase induction motor with a main winding arranged for direct connection to the power source, and auxiliary winding connected in series with a capacitor. There are three types ... Read more

CAPACITOR START

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CAPACITOR STARTThe capacitor start single phase motor is basically the same as the split phase start, except that it has a capacitor in series with the starting winding. The addition of the capacitor ... Read more

Carburetor

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Carburetor The fuel system component that meters the fuel and air and supplies the proper amounts of both to the engine. The part of the engine that handles the job of changing ratios or air and fuel ... Read more

CENTRIFUGAL CUTOUT SWITCH

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CENTRIFUGAL CUTOUT SWITCHA centrifugally operated automatic mechanism used in conjunction with split phase and other types of single phase induction motors. Centrifugal cutout switches will open or di... Read more

Chassis

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Chassis A general term that refers to all of the mechanical parts of a car attached to a structural frame. In cars with unitized construction, the chassis comprises everything but the body of the car.... Read more

CLUTCH

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CLUTCHA mechanical device for engaging and disengaging a motor often used when many starts and stops are required.

COGGING

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COGGINGA term used to describe non-uniform angular velocity. It refers to rotation occurring in jerks or increments rather than smooth motion. When an armature coil enters the magnetic field produced ... Read more

COIL (Stator or Armature)

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COIL (Stator or Armature)The electrical conductors wound into the core slot, electrically insulated from the iron core. These coils are connected into circuits or windings which carry independent curr... Read more

Commercial Travelling

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Commercial TravellingFor use in connection with any business or trade that involves buying or selling of any description. For example, a Company Representative, Door-to-door salesperson or Insurance A... Read more

COMMUTATOR

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COMMUTATORA cylindrical device mounted on the armature shaft and consisting of a number of wedge-shaped copper segments arranged around the shaft (insulated from it and each other. The motor brushes r... Read more

COMPOUND WOUND DC MOTORS

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COMPOUND WOUND DC MOTORSDesigned with both a series and shunt field winding, the compound motor is used where the primary load requirement is heavy starting torque, and adjustable speed is not require... Read more

Compulsory Excess

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Compulsory ExcessThis is the amount that has been your insurer has stated to be a requirement. It varies according to the terms of cover provided.

CONDUCTOR

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CONDUCTORA material, such as copper or aluminum, which offers low resistance or opposition to the flow of electric current.

CONDUIT BOX

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CONDUIT BOXThe metal container usually on the side of the motor where the stator (winding) leads are attached to leads going to the power supply.

CONSTANT H.P.

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CONSTANT H.P.A designation for variable or adjustable speed motors used for loads requiring the same amount of H.P. regardless of their motor speed during normal operation.

CONSTANT SPEED

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CONSTANT SPEEDA DC motor which changes speed only slightly from a no load to a full load condition. In AC motors, these are synchronous motors.

CONSTANT TORQUE

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CONSTANT TORQUERefers to loads whose H.P. requirements change linearly with changing speeds. Horsepower varies with the speed, i.e.- 2/1 HP at 1800/900 RPM. (Seen on some 2-speed motors). Possible app... Read more

Convictions

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ConvictionsConvictions subject to the Rehabilitation of Offenders Act (ROOA) have to be declared to the Insurer otherwise your policy cover could be voided. Any criminal convictions, including motorin... Read more

CORE

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COREThe iron portion of the stator and rotor; made up of cylindrical laminated electric steel. The stator and rotor cores are concentric separated by an air gap, with the rotor core being the smaller ... Read more

COUNTER ELECTROMOTIVE FORCE(CEMF)

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COUNTER ELECTROMOTIVE FORCE(CEMF)The induced voltage in a motor armature, caused by conductors moving through or "cutting" field magnetic flux. This induced voltage opposes the armature current and te... Read more

COUPLINGS

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COUPLINGSThe mechanical connector joining the motor shaft to the equipment to be driven.

Cover Notes

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Cover NotesA temporary document which acts as a certificate of insurance. This meets the requirements of the Road Traffic Act (RTA).

Crankshaft

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Crankshaft A shaft with one or more cranks, or "throws," that are coupled by connecting rods to the engine's pistons. Together, the crankshaft and the con rods transform the pistons' reciproca... Read more

CURRENT

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CURRENTThe time rate of flow of electrical charge and is measured in amps (amperes).

CYCLES PER SECOND (HERTZ)

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CYCLES PER SECOND (HERTZ)One complete reverse of flow of alternating current per rate of time. (A measure of frequency.) 60 HZ (cycles per second) A.C. power is common throughout the U.S. and 50 HZ is... Read more

D

D.C. (DIRECT CURRENT)

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D.C. (DIRECT CURRENT)A current that flows only in one direction in an electric circuit. It may be continuous or discontinuous and it may be constant or varying.

DC MOTOR

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DC MOTORA motor using either generated or rectified D.C. power. A DC motor is usually used when variable speed operation is required.

DEFINITE PURPOSE MOTOR

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DEFINITE PURPOSE MOTORA definite purpose motor is any motor design, listed and offered in standard ratings with standard operating characteristics with special mechanical features for use under servic... Read more

DIMENSIONS

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DIMENSIONSNEMA has standard frame sizes and dimensions designating the height of the shaft, the distance between mounting bolt holes and various other measurements. The integral AC motor NEMA sizes ru... Read more

DRIP-PROOF GUARDED

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DRIP-PROOF GUARDEDA drip-proof machine with ventilating openings guarded (with screens) as in a guarded motor.

DRIP-PROOF MOTOR

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DRIP-PROOF MOTORAn open motor in which the ventilating openings are so constructed that drops of liquid or solid particles falling on it, at any angle not greater than 15 degrees from the vertical, ca... Read more

DUAL TORQUE

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DUAL TORQUEDual speed motor whose torque varies with speed (as the speed changes the horsepower remains constant).

DUAL VOLTAGE

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DUAL VOLTAGESome motors can operate on two different voltages, depending upon how it is built and connected. The voltages are either multiples of two or the 3 of one another.

DUTY CYCLE

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DUTY CYCLEThe relationship between the operating and rest times or repeatable operation at different loads. A motor which can continue to operate within the temperature limits of its insulation system... Read more

DYNAMOMETER

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DYNAMOMETERA device which loads the motor to measure output torque and speed accurately by providing a calibrated dynamic load. Helpful in testing motors for nameplate information and an effective dev... Read more

E

Endorsements

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Endorsements(a) Any time you change your policy after first taking it out, the document you receive from your insurer showing the mid-term changes is called an endorsement. (b) Another definition of ... Read more

Excess

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ExcessThis is the part of every claim which you must pay with your own money.

Exhaust

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Exhaust The system of exhausting the burned gases from an internal-combustion engine consisting of piping or tubing, silencers, and, at times, resonators.

F

FIELD

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FIELDA term commonly used to describe the stationary (Stator) member of a DC Motor. The field provides the magnetic field with which the mechanically rotating (Armature or Rotor) member interacts. Read more

FIELD WEAKENING

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FIELD WEAKENINGThe introduction of resistance in series with the shunt wound field of a DC motor to reduce the voltage and current which weakens the strength of the magnetic field and thereby increase... Read more

FLANGE

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FLANGEMounting endshield with special rabbets and bolt holes for mounting such equipment as pumps and gear boxes to the motor or for overhanging the motor on the driven machine.

FLUX

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FLUXThe magnetic field which is established around an energized conductor or permanent magnet. The field is represented by flux lines creating a flux pattern between opposite poles. The density of the... Read more

Foreign Use

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Foreign UseOn a motor insurance policy this refers to when the vehicle is used abroad. Watch out, as not all Insurers cover you whilst abroad. Even if your insurance certificate states that it covers ... Read more

FORM FACTOR

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FORM FACTORA figure of merit which indicates how much rectified current departs from pure (non-pulsating) DC. A large departure from unity form factor (pure DC, expressed as 1.0) increases the heating... Read more

FORM WOUND

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FORM WOUNDA type of coil in which each winding is individually formed and placed into the stator slot. A cross sectional view of the winding would be rectangular. Usually form winding is used on high ... Read more

Four-Wheel Steering

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Four-Wheel Steering A steering system that actively steers the rear wheels as well as the fronts to improve handling and maneuverability.

FRACTIONAL-HORSEPOWER MOTOR

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FRACTIONAL-HORSEPOWER MOTORA motor usually built in a frame smaller than that having a continuous rating of one horsepower, open construction, at 1700 -1800 rpm. Within NEMA frame sizes FHP encompasse... Read more

FRAME

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FRAMEThe supporting structure for the stator parts of an AC motor; in a DC motor the frame usually forms a part of the magnetic coil. The frame also determines mounting dimensions (see frame size). Read more

FRAME SIZE

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FRAME SIZERefers to a set of physical dimensions of motors as established by NEMA. These dimensions include critical mounting dimensions. 48 and 56 frame motors are considered fractional horsepower si... Read more

FREQUENCY

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FREQUENCYThe rate at which alternating current makes a complete cycle of reversals. It is expressed in cycles per second. In the U.S. 60 cycles (Hz) is the standard while in other countries 50 Hz (cyc... Read more

FRONT END OF A MOTOR

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FRONT END OF A MOTORThe front end of a normal motor is the end opposite the coupling or driving pulley. (NEMA) This is sometimes called the opposite pulley end (O.P.E.) or commutator end (C.E.). Read more

Fuel Injection

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Fuel Injection Any system that meters fuel to an engine by measuring its needs and then regulating the fuel flow, by electronic or mechanical means, through a pump and injectors. Throttle-body injecti... Read more

FULL-LOAD CURRENT

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FULL-LOAD CURRENTThe current flowing through the line when the motor is operating at full-load torque and full-load speed with rated frequency and voltage applied to the motor terminals.

FULL-LOAD TORQUE

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FULL-LOAD TORQUEThat torque of a motor necessary to produce its rated horsepower at full-load speed, sometimes referred to as running torque.

G

GEARHEAD

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GEARHEADThe portion of a gearmotor which contains the actual gearing which converts the basic motor speed to the rated output speed.

GEARMOTOR

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GEARMOTORA gearhead and motor combination to reduce the speed of the motor to obtain the desired RPM's.

GENERAL PURPOSE MOTOR

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GENERAL PURPOSE MOTORA general-purpose motor is any motor having a "B" design, listed and offered in standard ratings with standard operating characteristics and mechanical construction for use under ... Read more

GROUNDED MOTOR

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GROUNDED MOTORA motor with an electrical connection between the motor frame and ground.

GUARDED MOTOR

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GUARDED MOTORAn open motor in which all openings giving direct access to live or rotating parts (except smooth shafts) are limited in size by the design of the structural parts or by screens, grills, ... Read more

H

HEAT EXCHANGER

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HEAT EXCHANGERA device which will transfer the heat from inside the motor to another medium, through a radiator type heat exchanger.

HERTZ (HZ)

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HERTZ (HZ)One cycle per second (as in 60 Hz. which is 60 cycles per second).

HORSEPOWER

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HORSEPOWERThe measure of rate of work. One horsepower is equivalent to lifting 33,000 pounds to a height of one foot in one minute. The horsepower of a motor is expressed as a function of torque and r... Read more

Horsepower

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Horsepower The common unit of measurement of an engine's power. One horsepower equals 550 foot-pounds per second, the power needed to lift 550 pounds one foot off the ground in one second: or one ... Read more

HYSTERESIS LOSS

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HYSTERESIS LOSSThe resistance offered by materials to becoming magnetized (magnetic orientation of molecular structure) results in energy being expended and corresponding loss. Hysteresis loss in a ma... Read more

I

Independent Suspension

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Independent Suspension Any suspension in which the camber of a wheel is not directly affected by the vertical motion of the opposite wheel.

Insurance Ombudsman

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Insurance OmbudsmanThis is the ombudsman for the insurance industry and to whom all complaints should be addressed if no satisfaction has been obtained from yourcompanyname or your Insurer. Please see... Read more

K

Knock-for-Knock

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Knock-for-KnockAn agreement whereby each motor insurer agrees to pay for damage to its policyholder's car, regardless of blame, providing the policy covered damage to the policyholder's own ca... Read more

L

LAMINATIONS

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LAMINATIONSThe steel portion of the rotor and stator cores made up of a series of thin laminations (sheets) which are stacked and fastened together by cleats, rivets or welds. Laminations are used ins... Read more

LARGE MOTORS

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LARGE MOTORSUsually refers to AC motors in 5,000 series frames and above and to 500 series frames and larger in DC.

Left Hand Drive Vehicles

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Left Hand Drive VehiclesVehicles where the steering wheel is on the left, designed for countries where people drive on the right.

Limits

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LimitsAges below or above which the insurer will not issue a policy or above which it will not continue a policy presently in force.

Lloyd's of London

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Lloyd's of LondonAn insurance market organised into syndicates, which underwrites most types of policy.

LOAD

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LOADThe burden imposed on a motor by the driven machine. It is often stated as the torque required to overcome the resistance of the machine it drives. Sometimes "load" is synonymous with "required po... Read more

LOCKED ROTOR CURRENT

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LOCKED ROTOR CURRENTSteady state current taken from the line with the rotor at standstill (at rated voltage and frequency). This is the current seen when starting the motor and load.

LOCKED ROTOR TORQUE

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LOCKED ROTOR TORQUEThe minimum torque that a motor will develop at rest for all angular positions of the rotor (with rated voltage applied at rated frequency).

Loss Assessor

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Loss AssessorThis is an individual acting on behalf of policyholders in assessing claims.

LOSSES

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LOSSESA motor converts electrical energy into a mechanical energy and in so doing, encounters losses. These losses are all the energy that is put into a motor and not transformed to usable power but a... Read more

LUBRICATION

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LUBRICATIONIn order to reduce wear and avoid overheating certain motor components require lubricating (application of an oil or grease). The bearings are the major motor component requiring lubricatio... Read more

M

MAGNETIC POLARITY

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MAGNETIC POLARITYIt is a fundamental principle of a winding that adjacent poles must be wound to give opposite magnetic polarity. This does not mean that the coils actually have to be wound in this di... Read more

Main Bearings

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Main Bearings The bearings in an engine block that support the crankshaft.

Mechanical Breakdown Insurance

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Mechanical Breakdown InsuranceThis cover protects against the cost of breakdowns of household appliances or motor vehicles.

MEGGAR TEST

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MEGGAR TESTA measure of an insulation system's resistance. This is usually measured in megohms and tested by passing a high voltage at low current through the motor windings and measuring the resi... Read more

MOTOR

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MOTORA device that takes electrical energy and converts it into mechanical energy to turn a shaft.

Motor Insurance

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Motor InsuranceThis insurance covers legal liabilities arising from the use of a motor vehicle. Comprehensive policies also cover damage to the vehicle. The minimum legal cover in the UK is third part... Read more

MULTI-SPEED MOTORS

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MULTI-SPEED MOTORSA motor wound in such a way that varying connections at the starter can change the speed to a predetermined speed. The most common multi-speed motor is a two speed although three- an... Read more

Mutual

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MutualAn insurance company that is owned by its policy holders.

N

New-For-Old

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New-For-OldCover for property where an item lost or destroyed would be replaced with a brand new one, with no deduction for wear and tear. Also called "replacement as new".

No Claim Discount / Bonus

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No Claim Discount / BonusA reduction in a renewal premium to reflect a claim-free record; used most often in motor insurance. Policyholders can typically build up to a 65% no claims bonus. Find more i... Read more

O

OIL MIST LUBRICATION-DRY SUMP

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OIL MIST LUBRICATION-DRY SUMPA method for lubricating anti-friction bearings which utilizes oil dispersed on an air stream. The mist is exhausted from the bearing housing so as not to permit oil to ac... Read more

OIL MIST LUBRICATION-WET SUMP

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OIL MIST LUBRICATION-WET SUMPSimilar to Oil Mist Lubrication - Dry Sump, except that a pool of oil is developed in the bearing chamber. This oil pool will continue to supply oil to the bearing in the ... Read more

Oil Pan

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Oil Pan An oil pan is a bath-shaped reservoir located under the crankcase or cylinder block of an engine. The oil is stored in the oil pan when the vehicle is not running. When the engine is in operat... Read more

OPEN (PROTECTED) MOTOR

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OPEN (PROTECTED) MOTORA motor having ventilating openings which permit passage of external cooling air over and around the windings. The term "open machine", when applied to large apparatus without qu... Read more

OPEN BEARING

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OPEN BEARINGA ball bearing that does not have a shield, seal or guard on either of the two sides of the bearing casing.

OPEN EXTERNALLY-VENTILATED MACHINE

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OPEN EXTERNALLY-VENTILATED MACHINEA machine which is ventilated with external air by means of a separate motor-driven blower mounted on machine enclosure.

OPEN PIPE-VENTILATED MACHINE

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OPEN PIPE-VENTILATED MACHINEAn open machine except that openings for admission of ventilating air are so arranged that inlet ducts or pipes can be connected to them. Air may be circulated by means int... Read more

P

PARALLELING

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PARALLELINGWhen two or more DC motors are required to operate in parallel - that is, to drive a common load while sharing the load equally among all motors - they should have speed-torque characterist... Read more

PART WINDING START MOTOR

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PART WINDING START MOTORIs arranged for starting by first energizing part of the primary winding and subsequently energizing the remainder of this winding in one or more steps. The purpose is to reduc... Read more

PHASE

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PHASEIndicates the space relationships of windings and changing values of the recurring cycles of A.C. voltages and currents. Due to the positioning (or the phase relationship) of the windings, the va... Read more

PLS

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PLSAn exclusive Reliance Electric bearing and lubricating system which permits complete lubrication of the bearing whether the motor is mounted vertically or horizontally. This system also helps preve... Read more

PLUG REVERSAL

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PLUG REVERSALReconnecting a motor's winding in reverse to apply a reverse braking torque to its normal direction of rotation while running. Although it is an effective dynamic braking means in man... Read more

POLARISATION TEST

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POLARISATION TESTA ratio of a one-minute meggar test to ten-minute meggar test. Used to detect contaminants in winding insulation done typically on high voltage, V.P.I. motors which are tested by wate... Read more

Policy

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PolicyThe insurance document providing full details of the contract between the insurer and the policyholder.

Policyholder

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PolicyholderThis is the person to which the insurer issues the policy. It normally also means the person to whom benefits are payable.

Premium

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PremiumThe price of insurance protection for a specified risk for a specified period of time.

Protected No Claims Discount

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Protected No Claims DiscountThis means that you are entitled to make a claim or two without losing any of your no-claims discount and dropping down the scale. Watch out though because not all Insure... Read more

S

Shock absorber

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Shock absorber A device that converts motion into heat, usually by forcing oil through small internal passages in a tubular housing. Used primarily to dampen suspension oscillations, shock absorbers r... Read more

Spark Plug

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Spark Plug The spark plug converts high voltage energy into an arc that passes between its electrodes. The arc causes the gasoline-air mixture in the cylinder to ignite and expand, providing power by ... Read more

T

Transmission

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TransmissionA gearbox with a number of selectable ratios, used to match the engine's rpm and torque to differing vehicle requirements.

U

UAC

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UACUnderwriters Adjusting Company

Underwriter

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UnderwriterA technician trained in evaluating risks and determining rates and coverages for them. The term derives from the practice at Lloyd's of each person willing to accept a portion of the ri... Read more

V

Voluntary Excess

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Voluntary ExcessThis is when you agree to pay a larger portion of each claim than the compulsory excess.

W

Waiver

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WaiverAn agreement attached to the policy and accepted by the insured, to eliminate a specified pre-existing physical condition or specified hazard.

Windscreen Cover

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Windscreen CoverWindscreens are usually only covered under Comprehensive Private car policies and are subject to different excesses than the main policy. Damaged windscreens (i.e. scratched) may not h... Read more

Write-Off

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Write-OffA damaged car or vehicle which is not repairable, or one that would cost more to repair than the car was worth before the damage occurred. Also known as a "total loss". Often an insurance com... Read more