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Your premium is calculated using individual risk parameters, including your age, residential and work locations, claim history, chosen excess, cover type, vehicle make/model, and security features (such as an approved tracking device). Engaging with safety tools on the Momentum App can also positively impact your overall value.

Claims are typically declined due to non-compliance with policy conditions. Common reasons include unapproved driver usage, unroadworthy vehicle conditions, driving under the influence, lack of required tracking devices (where specified), unpaid premiums, or misrepresentation during the application process.

In car insurance, an excess is the agreed out-of-pocket amount you contribute toward an approved claim before Momentum Insure covers the remaining loss. It helps keep monthly premiums affordable, with the exact terms and applicable excess types outlined in your policy schedule.

Yes, provided they hold a valid driver's license and have your permission. However, your policy structure matters: if your policy specifies named drivers only, unlisted drivers may incur a higher excess or may not be covered depending on your specific terms. Always update your regular driver details on the Momentum App if primary usage changes.

Safety Returns allows you to earn up to 30% of your paid premiums back in cash every year—even if you claim. By completing your Safety Score, logging Safe Dayz™, and activating safety features like Safety Alertopen_in_new via the Momentum App, you earn points that convert into an annual cash payout at policy renewal.

Momentum Assist provides free 24/7/365 emergency support. This includes roadside assistance (towing, flat tyres, battery jumpstarts, fuel delivery), home assistance, as well as 24-hour emergency medical and legal assistance. You can easily request help or activate the Safety Alert panic button directly on the Momentum App.