Sound equipment can refer to anything from speakers, subwoofers, tweeters, amplifiers, radios, DVD players, navigation systems and front loaders. If your vehicle model comes standard with factory-fitted sound equipment, these will automatically be covered as part of the vehicle value and therefore the vehicle excess will apply in the event of a sound equipment claim.
However, if you’d like to pay a lower excess, you can always specify all the standard factory-fitted sound equipment during quote stage as this will allow you to only pay the (much lower) sound equipment excess at claims stage. Please note that if you purchased and installed any additional sound equipment items (the vehicle model do not have these fitted as standard), you will need to specify each item. Any items not specified, will not be covered in the event of a claim. To double check what your sound equipment and vehicle excess amounts are, please refer to your OUTsurance schedule.
Simply call our claims team on 08 600 70 000 and we’ll gladly assist you by getting your sound equipment replaced with brand-new items of a similar make and model.
Best of all, if you have comprehensive car insurance cover and you’re claiming for an item of sound equipment that was stolen out of your vehicle, we’ll also pay for any damage caused to the vehicle whilst gaining entry, such as damage to locks or smashed windows. In this case, you will need to pay either the sound equipment excess, glass only excess, or vehicle excess. Please confirm with your claims consultant which of the mentioned excess amounts will be applied to your individual case.
If you have limited insurance cover, we’ll pay for damage to the vehicle only in cases where the sound equipment was specified, or where the sound equipment was not specified but formed part of the standard factory-fitted sound equipment of your vehicle.