Demands and Needs Statement

Size: px
Start display at page:

Download "Demands and Needs Statement"

Transcription

1 Hire Car Cover

2 Demands and Needs Statement This policy meets the demands and needs of a driver who requires a replacement car if their own vehicle is confirmed as a total loss or has been stolen and remains unrecovered. As an alternative, this policy will pay 200 to the policyholder if a replacement car is not needed. These benefits are only available where costs for replacement vehicle hire are not recoverable from any third party. As with any insurance, it does not cover all situations and you should read the terms and conditions of this policy to make sure that it meets your specific needs. Elephant does not make personal recommendations as to the suitability of the policy to individual circumstances. You are solely responsible for deciding whether the policy is suitable for your needs. If you need to claim on this policy, please call If you need to extend the hire, please refer to Section 2.

3 Hire Car Cover Policy Summary 1 Policy Summary Hire Car Cover This Policy Summary does not contain full terms and conditions of the cover, which can be found in the policy document. It is important that you read the policy document which follows this Policy Summary. Who the Cover is Underwritten By Admiral Insurance (Gibraltar) Limited, Suite 3G, Eurolife Building, 1 Corral Road, Gibraltar Type of Insurance and Cover The Elephant Hire Car Policy provides insurance to cover the funding of vehicle hire charges to help you stay mobile following the insured vehicle being confirmed as a total loss by EUI Limited, or where that vehicle is stolen and remains unrecovered. Alternatively, in the same circumstances, you may choose to claim 200 instead of a hire car. This cover applies where the costs for replacement vehicle hire are not recoverable from any third party. Significant Features and Benefits: A hire car or 200 for when the insured vehicle is declared a total loss (Section 1. Definitions: insured incident and total loss) A hire car or 200 for when the insured vehicle has been stolen and not recovered (Section 1. Definitions: insured incident) Where the hire car option has been selected: Up to 21 days of continuous vehicle hire (Section 2. What is Covered?) A vehicle which is a similar physical size to your insured vehicle up to a 2.2 litre engine and 7 seats, subject to availability, as determined by Helphire Ltd, supplied within territorial limits. (Section 1. Definitions: hire car) Significant and Unusual Exclusions or Limitations: The insured person must be a full driving licence holder. (Section 1. Definitions: insured person) Any claim for a replacement car or 200 where the cost of a replacement vehicle is recoverable from any third party (Section 5. What is Not Covered? g.) The insured person must have a valid motor insurance policy in place at the time of loss (Section 4. Conditions a.) Any claim 28 days after the insured vehicle is stolen or confirmed a total loss (Section 5. What is Not Covered? d.) Duration of the Cover From the date Hire Car Cover was added to the associated motor policy until its renewal or cancellation, up to a maximum of twelve months. As long as the policyholder remains eligible, this policy will automatically renew with the associated motor policy unless you inform EUI Limited otherwise. Your Right to Cancel You may cancel this product and receive a full refund, if you inform us within 14 days from the receipt of the confirmation letter or .

4 2 Hire Car Cover Policy Summary Should you cancel outside the 14 day cancellation period, you will be charged on a daily pro rata basis for the time you have been on cover, plus a 5 cancellation fee. However, if a claim is made or has arisen during the period of insurance, the full premium is payable and no refund will be given. For further information on cancellation please refer to the section in the policy wording headed Cancellation Rights. How to Make a Claim To make a claim please call the Claims Line on If the insured vehicle has been stolen you must also report it to the Police. Financial Services Compensation Scheme Admiral Insurance (Gibraltar) Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Admiral Insurance (Gibraltar) Limited is unable to meet its obligations to you under this contract. Cover is provided for 90% of the claim without any upper limit. Further information can be obtained from the Financial Services Compensation Scheme by phone on or and on their website at How to Make a Complaint Any enquiry or complaint regarding this policy should be addressed to: The Quality Manager, EUI Limited, Capital Tower, Greyfriars Road, Cardiff CF10 3AZ. Tel: If you have complained to us and we have been unable to resolve your complaint, you are entitled to refer your complaint to the Financial Ombudsman Service.

5 Hire Car Cover Terms and Conditions 3 Terms and Conditions Policy Document Your Hire Car Policy This is to confirm that Admiral Insurance (Gibraltar) Limited will provide the cover described below during the period of insurance. Cover is subject to the terms and conditions that follow. The premium must be paid before cover is provided. Helphire Ltd or a supplier of Helphire Ltd provides the benefits under this policy, however the insurance contract is between Admiral Insurance (Gibraltar) Limited and the policyholder. 1. Definitions Please find below an explanation of the words used in this insurance policy. Wherever these words are bolded, they will have the meaning given below: Associated Motor Policy The valid motor insurance arranged by EUI Limited which has been taken out by the policyholder. Courtesy Fuel Petrol or diesel worth 15 in value which will be in the hire car upon delivery to ensure the car has sufficient fuel to meet your immediate journey requirements. EUI Limited Elephant is a trading name of EUI Limited. Hire Car A vehicle which is a similar physical size to your insured vehicle up to a 2.2 litre engine and 7 seats, (subject to availability), as determined by Helphire Ltd, supplied within territorial limits. Insured Incident An incident which results in the insured vehicle being confirmed as a total loss by EUI Limited or where the insured vehicle has been stolen and remains unrecovered, and the costs of the claim are not recoverable from any third party. Insured Person/You/Your A full driving licence holder who appears on the current Certificate of Motor Insurance issued by EUI Limited. Insured Vehicle Any motor vehicle insured through EUI Limited that appears on the current Certificate of Motor Insurance, and for which a premium has been paid for Hire Car Cover. Period of Insurance From the date Hire Car Cover was added to the associated motor policy until its renewal or cancellation, up to a maximum of twelve months. As long as the policyholder remains eligible, this policy will automatically renew with the associated motor policy unless you inform EUI Limited otherwise. Policy This policy of insurance for Hire Car Cover. Policyholder The person named as the policyholder on your current Certificate of Motor Insurance issued by EUI Limited, where a premium for Hire Car Cover has been paid.

6 4 Hire Car Cover Terms and Conditions Premium The payment for Hire Car Cover, which needs to be paid to EUI Limited by you to get the benefit of this policy. Provider Helphire Ltd who supply the hire car. Albany Assistance Ltd who administer claims for the hire car. EUI Limited who administer claims for the 200. Territorial Limits Great Britain, Northern Ireland, Isle of Man and the Channel Islands. Third Party The other person(s) and/or party(s) responsible for the insured incident, excluding the insured person and/or policyholder (as defined in this policy). Total Loss Where the insured vehicle has been confirmed as uneconomical to repair due to circumstances covered under the terms of your associated motor policy OR by a third party insurer OR by a garage who is a member of the Vehicle Builders and Repairers Association (VBRA) or the Motor Vehicle Repairers Association (MVRA) or a similarly recognised body, due to a road traffic accident, storm, flood, vandalism or malicious damage. Underwriter Admiral Insurance (Gibraltar) Limited, Suite 3G, Eurolife Building, 1 Corral Road, Gibraltar. We/Us/Our Albany Assistance Ltd, Helphire Ltd, EUI Limited and/or the underwriter. 2. What is Covered? Up to 21 days of continuous car hire within the territorial limits or 200 following an insured incident during the period of insurance The hire car must be returned to Helphire Ltd or its designated agent no later than 144 hours after payment is authorised to the policyholder on EUI Limited s total loss valuation of their claim OR no later than the 21st day of hire (whichever comes first). If the insured vehicle is recovered after being stolen and is deemed repairable by EUI Limited, the hire car must be returned to Helphire Ltd or its designated agent. You may extend the hire by contacting Albany Assistance Ltd on who will then contact Helphire Ltd to make arrangements. A discounted rate is available to EUI Limited customers. 3. How to Claim Your Benefit Following an insured incident, you must report it immediately to EUI Limited on , and to the Police if the insured vehicle has been stolen. If you choose to claim a hire car, EUI Limited will advise Albany Assistance Ltd, who will contact you to arrange the supply of a hire car. If you choose to claim 200 this will be issued to you by EUI Limited. In both cases the insured vehicle must have been confirmed as a total loss or reported as stolen and not recovered before a claim can be made.

7 Hire Car Cover Terms and Conditions 5 4. Conditions You should note that the following conditions apply in all circumstances: a. you must have a valid motor insurance policy arranged through EUI Limited to take advantage of this cover b. the benefit under this policy will only be provided once EUI Limited have confirmed that the insured vehicle is a total loss, OR faxed confirmation is received (at the insured person s expense) from a garage who is a member of the Vehicle Builders and Repairers Association (VBRA) or the Motor Vehicle Repairers Association (MVRA) or a similarly recognised body, and where a hire car is being provided, this confirmation has been received by Albany Assistance Ltd c. if the insured vehicle has suffered theft damage or has been stolen you must supply a Police crime reference number before the benefit can be provided d. only one benefit, either a hire car or 200, can be claimed for under this policy for each insured incident. You should note that the following conditions apply when a hire car is provided: e. when receiving the hire car, the driver will need to produce their full current driving licence and proof of address f. the insured person must have a valid driving licence and must not be breaking the conditions of that licence g. we will not provide a hire car if we believe doing so would cause a risk to its security or your safety or the safety of our staff h. hire cars are provided in accordance with Helphire Ltd or its agent s standard requirements, terms and conditions We must draw your attention to the additional terms and conditions of Helphire Ltd. These are set out in the vehicle hire agreement, which will be given to you to review and sign should you need to make a claim on this policy. This may affect the provision of the hire car. This can also be reviewed at any time upon request. 5. What is Not Covered? The following are not covered under this insurance in any circumstances: a. any claim where the insured vehicle was being used for hire or reward b. any claim where EUI Limited do not provide cover under the terms of the associated motor policy c. no benefit will be paid if the insured person: is found to be over the prescribed limit of alcohol is driving whilst unfit through drink or drugs, whether prescribed or otherwise fails to provide a sample of breath, blood or urine when required to do so, without lawful reason d. if you or anyone acting for you recklessly or deliberately misrepresents information we require at any time during the policy that would impact either the terms and conditions or our ability to offer cover itself, your policy and all other policies to which you are connected through EUI Limited will

8 6 Hire Car Cover Terms and Conditions be cancelled or voided. We will seek to recover any costs we have incurred and will not return any premium. We will not pay a claim which is in any part fraudulent, false, exaggerated or if you or anyone acting for you makes a claim in a fraudulent or false way, or where we have been given any documents which are false or stolen. Your policy and all other policies to which you are connected through EUI Limited will be cancelled or voided. We will seek to recover any costs that have been incurred and will not return any premium. e. any claim for theft which has not been reported to the Police f. any claim for a hire car or 200 more than 28 days after the insured vehicle is stolen or has been determined a total loss g. any claim arising out of a deliberate or criminal act or omission, which is found to the provider s satisfaction to be of a fraudulent or false nature. The insured person will be held responsible for any costs paid or incurred as a result h. any insured incident which took place outside of the period of insurance i. any claim where the cost of a replacement vehicle is recoverable from any third party j. any claim for a hire car where an insured person has one or more motoring convictions with a UT offence code k. any claim for a hire car where the DVLA have confirmed that an insured person is not allowed to drive on medical grounds The following are not covered under this insurance when a hire car is provided: l. all fuel, fares, fines and fees relating to the hire car whilst in your possession excluding courtesy fuel m. any further hire charges incurred after 21 days, or more than 144 hours after payment is authorised for a total loss or unrecovered theft (whichever comes first) n. sea transit charges in the delivery and collection of the hire car o. any excess payable in the event of a claim involving the hire car. On comprehensive policies these will be the amounts shown on your associated motor policy schedule issued by EUI Limited under Excess Details, up to a maximum of 500. On third party fire and theft policies, for fire or theft claims these will be the amounts shown on your associated motor policy schedule issued by EUI Limited under Excess Details, for an accidental damage claim this will be 500, for a windscreen repair claim this will be 25 and for windscreen replacement this will be 75. p. any further hire charges after the insured vehicle has been recovered after being stolen and is deemed repairable by EUI Limited 6. Notice to the Policyholder/Insured Person Subrogated Rights a. The insured person must take all appropriate steps to keep the costs of the claim to a minimum

9 Hire Car Cover Terms and Conditions 7 b. If any of the costs, charges or fees relating to the benefits of this policy are recovered from the third party, the insured person must pay them to the underwriter c. The insured person must take all action possible to recover any costs, charges or fees the underwriter has paid or is responsible to pay and return them to the underwriter d. Upon conclusion of the claim under this policy, the underwriter can take over and if necessary conduct proceedings in the name of the insured person to recover the hire costs of the hire car or 200 from the third party Governing Law and Language This insurance shall be subject to English Law, unless specifically agreed to the contrary. All communication is to be conducted in English. Cancellation Rights Cancellation by you You may cancel this product and receive a full refund, if you inform us within 14 days from receipt of the confirmation letter or . Should you cancel outside the 14 days, you will be charged on a daily pro rata basis for the time you have had on cover plus a 5 cancellation fee. If a claim is made or has arisen during the period of insurance, the full premium is payable and no refund will be given. Please contact EUI Limited, Capital Tower, Greyfriars Road, Cardiff CF10 3AZ. Alternatively, please call Calls to 0871 numbers are charged at 8p per minute plus network extras. Cancellation by us Your policy may be cancelled by us in the event of: You making a claim of a fraudulent or false nature Your associated motor policy being cancelled Your circumstances changing and you no longer meet the eligibility criteria to make a claim If we cancel your policy, you will be charged on a daily pro rata basis for the time you have had on cover plus a 5 cancellation fee. If a claim is made or has arisen during the period of insurance, the full premium is payable and no refund will be given. How to Make a Complaint Any enquiry or complaint regarding this policy should be addressed to: The Quality Manager, EUI Limited, Capital Tower, Greyfriars Road, Cardiff CF10 3AZ. Tel: If EUI Limited have given you a final response and you are still unhappy, or more than 8 weeks have passed since EUI Limited received your original complaint, you may refer your complaint to the Financial Ombudsman Service (FOS) at Exchange Tower, London, E14 9SR. Tel: free for people phoning from a fixed line (eg. a landline at home). Or: free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02.

10 8 Hire Car Cover Terms and Conditions Financial Services Compensation Scheme Admiral Insurance (Gibraltar) Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Admiral Insurance (Gibraltar) Limited is unable to meet its obligations to you under this contract. Cover is provided for 90% of the claim without any upper limit. The contact information is: The FSCS, 10th Floor, Beaufort House, 15 St.Botolph Street, London, EC3A 7QU. Tel: or Whole Agreement Supplied by EUI Limited (FCA Registration No ), Capital Tower, Greyfriars Road, Cardiff CF10 3AZ, is administered by Albany Assistance Ltd (FCA Registration No ) Redmond House, Fern Court, Bracken Hill Business Park, Peterlee, Co Durham SR8 2RR and is underwritten by Admiral Insurance (Gibraltar) Limited, Suite 3G, Eurolife Building, 1 Corral Road, Gibraltar. Home State: Gibraltar. EUI Limited and Albany Assistance Ltd are authorised and regulated by the Financial Conduct Authority. Admiral Insurance (Gibraltar) Limited is licensed and regulated by the Gibraltar Financial Services Commission under the Financial Services (Insurance Companies) Act 1987 of Gibraltar. The hire car is provided by Helphire Ltd. Head Office: Pinesgate, Lower Bristol Road, Bath, BA2 3DP.

11

12 EL

Hire Car Policy Summary and Policy Wording

Hire Car Policy Summary and Policy Wording Hire Car Policy Summary and Policy Wording www.debenhamscarinsurance.co.uk Contents Hire Car Insurance Policy Summary... 4 Your Hire Car Policy Terms and Conditions... 6 Notice to the Policyholder/Insured

More information

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording Contents ecar - Prestige Hire Car Policy Summary...4 Your Prestige Hire Car Policy Terms and Conditions...6 Notice to

More information

Asda Value Car Insurance. Hire car. money

Asda Value Car Insurance. Hire car. money Asda Value Car Insurance Hire car money Contents page number Hire Car Insurance Policy Summary...4 Your Hire Car Policy Terms and Conditions... 7 Notice to the Policyholder/Insured Person... 10 page 2

More information

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances.

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances. Car Hire Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had

More information

Car Hire Cover. Third Party Fire and Theft Cover

Car Hire Cover. Third Party Fire and Theft Cover Car Hire Cover Third Party Fire and Theft Cover Demands and Needs Statement This product meets the demands and needs of a driver whose vehicle has been rendered a total loss in a Road Traffic Accident

More information

1 ST CENTRAL Hire Car policy summary

1 ST CENTRAL Hire Car policy summary My Hire Car Cover... 1 ST CENTRAL Hire Car policy summary This is a summary of your Hire Car policy. It does not contain the full terms and conditions, which can be found in the Policy Document that follows

More information

CENTRAL. Hire Car Cover Comprehensive

CENTRAL. Hire Car Cover Comprehensive ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been

More information

Demands and Needs Statement

Demands and Needs Statement Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a

More information

Demands and Needs Statement

Demands and Needs Statement Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a

More information

Replacement Vehicle Car Insurance Policy

Replacement Vehicle Car Insurance Policy Replacement Vehicle Car Policy Express Services - Replacement Vehicle Policy Summary Express Services - Replacement Vehicle Policy Policy Summary This is a summary of available under the Express Services

More information

Replacement Vehicle Van Insurance Policy

Replacement Vehicle Van Insurance Policy Replacement Vehicle Van Insurance Policy Express Insurance Services - Replacement Vehicle Policy Summary Express Insurance Services - Replacement Vehicle Insurance Policy Policy Summary This is a summary

More information

Personal Injury Cover Terms and Conditions

Personal Injury Cover Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This policy meets the demands and needs of those who wish to ensure that in the event of a motoring accident an insured person will

More information

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover Policy Booklet Inside you ll find full details of your Upgraded Courtesy Car Cover Upgraded Courtesy Car Cover Contents Page Policy summary 1 Terms and conditions about your insurance 6 Meaning of words

More information

Vehicle Replacement. Policy Summary & Policy Wording

Vehicle Replacement. Policy Summary & Policy Wording Vehicle Replacement Policy Summary & Policy Wording Vehicle Replacement Policy Summary Duration Of Policy: 12 months Introduction This policy summary provides key information about the Vehicle Replacement

More information

Motor Legal Protection Policy

Motor Legal Protection Policy Motor Legal Protection Policy Motor Legal Protection Policy This policy meets the demands and needs of a driver who is involved in a motor accident for which they are not to blame and are not covered by

More information

Fleet Excess Protect

Fleet Excess Protect Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible

More information

Multi Motor Excess Protect Policy Document

Multi Motor Excess Protect Policy Document Multi Motor Excess Protect Policy Document Thank you for choosing multi motor excess protect insurance. The information in this policy wording contains important information and we have made it as easy

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

Policy Summary. Inside you ll find a summary of your Value car insurance. tescobank.com

Policy Summary. Inside you ll find a summary of your Value car insurance. tescobank.com Policy Summary Inside you ll find a summary of your Value car insurance tescobank.com Tesco Bank Value Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Value Car Insurance.

More information

Keycare Cover. terms and conditions

Keycare Cover. terms and conditions Keycare Cover terms and conditions Demands and Needs Statement This policy meets the demands and needs of an individual wishing to protect themselves against the associated costs following the loss or

More information

Your Car Insurance Policy Summary Booklet

Your Car Insurance Policy Summary Booklet Your Car Insurance Policy Summary Booklet Contents Welcome to Brightside car insurance...4 Car Policy Summary...6 About Brightside car insurance...6 Summary of Cover...6 Claims and Glass Helpline...6 Insurer...6

More information

Policy Summary www.debenhamscarinsurance.co.uk

Policy Summary www.debenhamscarinsurance.co.uk Policy Summary www.debenhamscarinsurance.co.uk Contents Policy Summary... 3 Introduction to Debenhams Car Insurance... 3 Summary of Cover... 3 Claims Helpline... 3 Windscreen Helpline:... 3 Insurer...

More information

Motor Insurance Policy summary

Motor Insurance Policy summary Motor Insurance Policy summary Policy Summary Type of insurance and cover This is an insurance for private type motor cars, dual purpose vehicles (e.g. estate cars), commercial vehicles not used for business

More information

Personal Accident Plan Terms and Conditions

Personal Accident Plan Terms and Conditions Personal Accident Plan Terms and Conditions elephant.co.uk Policy Summary Personal Accident Plan This policy summary does not contain full terms and conditions of the cover, which can be found in the policy

More information

Car Insurance. Summary of Cover

Car Insurance. Summary of Cover Car Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich Insurance

More information

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance Policy Summary Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Car Insurance. It does

More information

Motor Legal Protection Policy

Motor Legal Protection Policy Motor Legal Protection Policy Motor Legal Protection Policy This policy meets the demands and needs of a driver who is involved in a motor accident for which they are not to blame and are not covered by

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

Rias Car Insurance. Policy Summary. Who provides your cover

Rias Car Insurance. Policy Summary. Who provides your cover Rias Car Insurance Summary This is a summary of the cover provided under the Rias Car Insurance policy. The full terms and conditions of the cover can be found in the car insurance policy booklet when

More information

Replacement Vehicle Policy

Replacement Vehicle Policy Replacement Vehicle Policy 1 This policy has been arranged by Motorplus Limited (trading as ULR) with Qdos Broker & Underwriting Services Limited and is underwritten by: Groupama Insurance Company Limited,

More information

Car Solutions Insurance. Summary of Cover

Car Solutions Insurance. Summary of Cover Car Solutions Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich

More information

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues.

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Motor car insurance Policy summary This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Policy Summary Type of insurance and cover This is an insurance

More information

Motor Legal Protection Policy

Motor Legal Protection Policy This cover only applies if included on your policy or you have purchased Motor Legal Protection as shown in your current Policy Schedule or your Renewal Notice. Demands And Needs Statement This policy

More information

Your Van Insurance Motor Legal Protection Policy Booklet

Your Van Insurance Motor Legal Protection Policy Booklet Your Van Insurance Motor Legal Protection Policy Booklet Contents Motor Legal Protection Insurance...3 Motor Legal Expenses...3 Helpline Services...3 Motor Legal Expenses Policy Summary...4 Cancellation

More information

Policy Summary. Inside you ll find a summary of your car insurance. tescobank.com

Policy Summary. Inside you ll find a summary of your car insurance. tescobank.com Summary Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Summary This is a summary of cover available under Tesco Bank Car Insurance. It does not include all the

More information

Terms and Conditions

Terms and Conditions Terms and Conditions Terms and Conditions Thank you for choosing insurethebox which is a trading style of Insure The Box Limited and underwritten by the insurers named below and on your Schedule. Electronic

More information

Motor Legal Expenses Insurance

Motor Legal Expenses Insurance Motor Legal Expenses Insurance Motor Legal Expenses Insurance Policy Document Certificate of Insurance This insurance is underwritten by Inter Partner Assistance SA and managed on their behalf by Arc Legal

More information

Terms and Conditions

Terms and Conditions Terms and Conditions Terms and Conditions Thank you for choosing drive like a girl which is a trading style of Insure The Box Limited and underwritten by the insurers named below and on your Schedule.

More information

RIAS Car Insurance P O O B P P O C. Policy Summary. Who provides your cover. Policy Section

RIAS Car Insurance P O O B P P O C. Policy Summary. Who provides your cover. Policy Section RIAS Car Insurance Summary This is a summary of the cover provided under the RIAS Car Insurance policy. The full terms and conditions of the cover can be found in the car insurance policy booklet when

More information

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. GAP Insurance IMPORTANT: Full details of Your cover, the conditions that apply, the claims process and the circumstances when claims will not be met are contained in this Policy. You should read this document

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information

Drivology Car Insurance - Policy Summary

Drivology Car Insurance - Policy Summary Drivology Car Insurance - Policy Summary Your Policy Key Facts July 2015 edition Drivology Car Insurance - Policy Summary This policy summary does not contain full details and conditions of your insurance

More information

Asda Value Car Insurance. Keeping You On The Move. money

Asda Value Car Insurance. Keeping You On The Move. money Asda Value Car Insurance Keeping You On The Move money Contents page number Keeping You On The Move...4 Important Information...4 How We Can Help...4 The Meaning Of Words In This Policy...4 Cover... 5

More information

EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING

EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING This document sets out the terms and conditions of your cover and it is important that you read it carefully. It explains what is covered and what is

More information

Octagon Insurance Replacement Vehicle Policy

Octagon Insurance Replacement Vehicle Policy Octagon Insurance Replacement Vehicle Policy 1 This insurance policy has been arranged by Qdos Broker & Underwriting Services Limited, is administered by Motorplus Limited (trading as Motorplus and ULR)

More information

Key Policy Information

Key Policy Information Key Policy Information Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Key Policy Information This is a summary of cover available under Tesco Bank Car

More information

Aviva Motor Policy Summary and Important Information

Aviva Motor Policy Summary and Important Information Aviva Motor Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover which can be found in the policy documentation. It is

More information

This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk/firms/systems- reporting/register

This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk/firms/systems- reporting/register Motor Excess Protect Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording contains important information and We have made it as easy as possible to understand.

More information

Legal Expenses Insurance

Legal Expenses Insurance Legal Expenses Express Services - Motor Legal Expenses Policy Summary Some important facts about your Express Services Motor Legal Expenses insurance policy are summarised below. This summary does not

More information

Motor Vehicle Excess Protection Policy Wording

Motor Vehicle Excess Protection Policy Wording Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions

More information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information Motor Fleet Policy Summary Motor Fleet insurance is for companies, sole traders or partnerships operating a fleet of 3 to 25 vehicles comprising of cars and commercial vehicles used for the business of

More information

AXA Car Insurance. Policy summary. April 2015 edition

AXA Car Insurance. Policy summary. April 2015 edition AXA Car Insurance Policy summary April 2015 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions

More information

AXA Car Insurance. Policy summary. April 2016 edition

AXA Car Insurance. Policy summary. April 2016 edition AXA Car Insurance Policy summary April 2016 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This policy meets the demands and needs of those who wish to ensure that in the event of a motoring Accident an Insured Person will

More information

CAR PROTECT GAP. General Asset Protection Insurance

CAR PROTECT GAP. General Asset Protection Insurance CAR PROTECT GAP General Asset Protection Insurance HOW TO CONTACT US By Telephone Claims & Technical Queries Line - 015313000 - Option 2 Customer Services - 015313000 - Option 3 By Email Customer Services

More information

Touring Caravan Excess Protect

Touring Caravan Excess Protect Touring Caravan Excess Protect In the event of a claim please call: 0800 587 2976 2 TRINITY LANE TOURING CARAVAN EXCESS PROTECT INSURANCE POLICY About your Insurance This insurance is underwritten by Trinity

More information

Key Policy Information

Key Policy Information Key Information Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Key Information This is a summary of cover available under Tesco Bank Car Insurance. It does not

More information

Chauffeur Insurance. Staveley Head Limited is authorised and regulated by the Financial Conduct Authority.

Chauffeur Insurance. Staveley Head Limited is authorised and regulated by the Financial Conduct Authority. Chauffeur Insurance UNDERWRITTEN BY This is a summary of your policy and does not contain the full terms and conditions of your insurance policy. The full terms and conditions can be found in your insurance

More information

Police Mutual Car insurance

Police Mutual Car insurance Police Mutual Car insurance Policy Summary Police Mutual Car insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms

More information

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly

About Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly Life Cover Contents Title Page About Union Income Benefit Holdings Limited 1 Policy Summary 2 Welcome 3 Definitions 3 Life Cover Policy Wording The cover we provide 4 Return of Premiums 4 What we do not

More information

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary Your policy summary 2. Your policy summary 5. Important

More information

AXA Car Insurance. Policy summary. June 2014 edition

AXA Car Insurance. Policy summary. June 2014 edition AXA Car Insurance Policy summary June 2014 edition 35372_APLD0144ZF_SUM_A5.indd 1 17/06/2014 13:36 Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore

More information

Commercial Vehicle Excess Protect

Commercial Vehicle Excess Protect Commercial Vehicle Excess Protect In consideration of You having purchased Business & Domestic Commercial Vehicle Excess Protect insurance, We agree to indemnify You in accordance with the terms exclusions

More information

Full details of what you have chosen are shown in your personal quotation and policy schedule.

Full details of what you have chosen are shown in your personal quotation and policy schedule. CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You

More information

Motor Excess Protection Insurance

Motor Excess Protection Insurance Motor Excess Protection Insurance For Private Cars, Motorcycles and Commercial Vehicles. Questor Insurance Services Limited First Floor Suite West A Orchard House, Station Road Rainham, Kent ME8 7RS United

More information

Your Van Insurance Replacement Vehicle Policy Booklet

Your Van Insurance Replacement Vehicle Policy Booklet Your Van Insurance Replacement Vehicle Policy Booklet Contents Replacement Vehicle Policy...3 Who is your insurer?...3 Certification of cover...3 Important...3 Who administers your policy?...3 Language...3

More information

Motorcycle Policy Summary and Important Information

Motorcycle Policy Summary and Important Information Motorcycle Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is

More information

Motor Trade Road Risks

Motor Trade Road Risks Motor Trade Road Risks Policy Summary The Motor Trade Road Risks Insurance policy is for full or part-time motor traders, working from commercial premises or from home, who require road risk cover for

More information

Legal Expenses. Policy Summary & Policy Wording

Legal Expenses. Policy Summary & Policy Wording Legal Expenses Policy Summary & Policy Wording Contents Legal Expenses Insurance Policy Summary...3 Legal Expenses Insurance Full Policy Wording...5 page 2 Demands and needs statement This Policy meets

More information

Private Motor Vehicle Excess Protect

Private Motor Vehicle Excess Protect Private Motor Vehicle Excess Protect Insurance Policy Flux Direct 2 The Causeway, Bishops Stortford, Herts, CM23 2EJ In the event of a claim please call: 0844 888 7361 Customer Service: 0800 089 0154 Or

More information

Motor Legal Expenses Policy Wording

Motor Legal Expenses Policy Wording 3478676865245-0000000 34545323455index,134545323456 34545323455persist,false34545323456 34545323455output_folder,/strata/clients/ukais/live/v53/exports 34545323455document_name,PREVIEW34545323456 34545323455printfile_path,/strata/clients/ukais/live/v53/exports/PREVIEW.ps34545323456

More information

Van Insurance Summary of cover

Van Insurance Summary of cover Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your

More information

Asda Value Car Insurance. Excess Protection. money

Asda Value Car Insurance. Excess Protection. money Asda Value Car Insurance Excess Protection money Contents page number Motor Excess Protection Policy Wording... 3 Introduction... 3 Regulatory Information... 3 Your Insurer... 3 What Makes up this Policy?...4

More information

Go Girl Private Car and Small Commercial Vehicle Policy Summary

Go Girl Private Car and Small Commercial Vehicle Policy Summary Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate

More information

Covea Insurance Private Car Summary.

Covea Insurance Private Car Summary. Covea Insurance Private Car Summary. This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your policy booklet. A copy of the

More information

Amendments to Your car insurance guide

Amendments to Your car insurance guide Amendments to Your car insurance guide Contents Amendments to Your car insurance guide page 1 Motor Legal Protection Policy page 6 If you would like an up to date Your car insurance guide please contact

More information

CAR INSURANCE POLICY SUMMARY

CAR INSURANCE POLICY SUMMARY CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You

More information

The companies are registered in Gibraltar (Reg. Nos. 102260 and 106445). Registered Offices: Suite 945 Europort, Gibraltar.

The companies are registered in Gibraltar (Reg. Nos. 102260 and 106445). Registered Offices: Suite 945 Europort, Gibraltar. TERMS OF BUSINESS ABOUT OCTAGON INSURANCE Octagon Insurance Company Limited and Octagon Insurance Services Limited are authorised and regulated by the Gibraltar Financial Services Commission, and subject

More information

Van Insurance Terms of Business Agreement

Van Insurance Terms of Business Agreement Van Insurance Terms of Business Agreement Who regulates us? Kwik Fit Insurance Services ( KFIS, we, us, our ) is a trading name of Ageas Retail Limited. Ageas Retail Limited is authorised and regulated

More information

Car Insurance Policy Summary

Car Insurance Policy Summary Car Insurance Policy Summary This policy summary outlines your car insurance cover, please read this carefully. It does not give details of all of the policy limits, terms, conditions and exclusions. For

More information

Your policy summary. If you have an accident...call us straight away on 0844 891 5391.

Your policy summary. If you have an accident...call us straight away on 0844 891 5391. Your policy summary If you have an accident...call us straight away on 0844 891 5391. For our joint protection, calls may be recorded and/or monitored. Your policy summary 2. Your policy summary 5. Important

More information

Motor Legal Expenses Policy Summary

Motor Legal Expenses Policy Summary 1 Motor Legal Expenses Policy Summary Some important facts about your Kwik Fit Insurance Services Motor Legal Expenses insurance policy are summarised below. This summary does not describe all the terms

More information

RELAX Your Honda Dealer:

RELAX Your Honda Dealer: HONDA GAP Relax, now you can drive your Honda with peace of mind that you're covered should anything happen. For more information, or to find your local dealer, call 0845 200 8000 or visit: honda.co.uk/cars/findadealer

More information

Policy Summary. Keep this wording safe.

Policy Summary. Keep this wording safe. Policy Summary Keep this wording safe. Covéa Insurance Private Car This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Policy Summary Inside you ll find a summary of your Car Insurance Tesco Bank Box Insurance Car Insurance Private Car Policy Summary Welcome to Tesco Bank Box Insurance Thank you for choosing

More information

RAC Breakdown Cover. Key Facts PLEASE READ AND KEEP FOR YOUR RECORDS

RAC Breakdown Cover. Key Facts PLEASE READ AND KEEP FOR YOUR RECORDS RAC Breakdown Cover Key Facts PLEASE READ AND KEEP FOR YOUR RECORDS Policy Summary RAC Breakdown Cover RAC Breakdown Cover is intended to offer services relating to the breakdown of vehicles. This policy

More information

Sample. Courtesy Car Cover Plus Policy Summary and Policy Document

Sample. Courtesy Car Cover Plus Policy Summary and Policy Document Courtesy Car Cover Plus Policy Summary This Policy Summary does not contain the full terms of the Policy. Full terms can be found in the Policy Document which starts on Page 5 of this document. Policy

More information

Octagon Insurance Terms of Business

Octagon Insurance Terms of Business Octagon Insurance Terms of Business About Octagon Insurance Octagon Insurance Company Limited and Octagon Insurance Services Limited are authorised and regulated by the Gibraltar Financial Services Commission,

More information

Asda Van Insurance. Excess Protection. money

Asda Van Insurance. Excess Protection. money Asda Van Insurance Excess Protection money Contents page number Excess protection... 3 Who is your insurer?... 3 Certification of Cover... 3 Important... 3 Who administers your policy?... 3 Language...

More information

Your Motor Legal Protection Insurance Policy Wording

Your Motor Legal Protection Insurance Policy Wording Your Motor Legal Protection Insurance Policy Wording www.debenhamscarinsurance.co.uk Contents Your Motor Legal Protection Insurance Policy Wording... 3 General Exceptions... 10 2 Your Motor Legal Protection

More information

MotorServ. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information

MotorServ. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information MotorServ Policy Summary The Covéa Insurance MotorServ product is designed to meet the requirements of tradespeople who, often working from home, provide services to the motoring public. It provides insurance

More information

Third Party, Fire and Theft. Policy

Third Party, Fire and Theft. Policy Third Party, Fire and Theft Policy Your car insurance policy Relevant to the entire policy This policy is an agreement between you (the person shown in the schedule as the person insured) and us (Zurich

More information

Flood Excess Insurance Policy

Flood Excess Insurance Policy Flood Excess Insurance Policy INTRODUCTION Thank You for choosing to purchase this Flood Excess Insurance Policy. It is important that You read this policy document carefully, together with Your Policy

More information

Online Motor Excess Protect Insurance. Policy Wording

Online Motor Excess Protect Insurance. Policy Wording Online Motor Excess Protect Insurance Policy Wording Motor Excess Protect Insurance Policy Wording Introduction Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording

More information

excess Protect In the event of a claim please call Insurance OMG_PC_Alpha_ExcessProtect_002

excess Protect In the event of a claim please call Insurance OMG_PC_Alpha_ExcessProtect_002 YOUR excess Protect INSURANCE POLICY In the event of a claim please call 0871 423 03 45 OMG! Insurance OMG_PC_Alpha_ExcessProtect_002 In consideration of You having paid the premium or agreed to pay the

More information

My Legal Expenses Cover...

My Legal Expenses Cover... My Legal Expenses Cover... Motor Legal Expenses Welcome Thank you for insuring with 1 ST CENTRAL. We are delighted to welcome you as a valued client. Please take time to read your policy and contact us

More information

Underwritten by Chaucer Insurance, Prospect House, Chaucer Business Park, Thanet Way, Whitstable, Kent CT5 3FD.

Underwritten by Chaucer Insurance, Prospect House, Chaucer Business Park, Thanet Way, Whitstable, Kent CT5 3FD. Specialist Vehicle Combined Policy Summary Some important facts about your Motor Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take

More information

VOLVO CAR INSURANCE. Your complimentary 7 Day Driveaway cover

VOLVO CAR INSURANCE. Your complimentary 7 Day Driveaway cover VOLVO CAR INSURANCE Your complimentary 7 Day Driveaway cover VOLVO CAR INSURANCE DESIGNED FOR YOU AND YOUR VOLVO You ve made a great choice in buying a Volvo. Now we are giving you the opportunity to make

More information

RAC Breakdown Cover Policy Booklet. Terms and conditions - Please read and keep for your records

RAC Breakdown Cover Policy Booklet. Terms and conditions - Please read and keep for your records RAC Breakdown Cover Policy Booklet Terms and conditions - Please read and keep for your records Contents Who to contact... 3 Policy Summary...4 Important information about your policy...8 Your terms and

More information

Vehicle Replacement Insurance Gap Insurance Key Facts

Vehicle Replacement Insurance Gap Insurance Key Facts THIS POLICY SUMMARY This summary of cover is provided for ease of reference. It does not contain the full terms and conditions of the policy, which can be found in the policy document. This can be viewed

More information