PRIVATE CLIENT FAMILY MOTOR FLEET INSURANCE SYMPHONY POLICY SUMMARY

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1 PRIVATE CLIENT FAMILY MOTOR FLEET INSURANCE SYMPHONY POLICY SUMMARY Underwritten by Chaucer Insurance

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3 SYMPHONY POLICY SUMMARY POLICY SUMMARY Some important facts about your Family Motor Fleet Insurance are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy wording to make sure you understand the cover it provides. All references below are to the relevant section of the policy wording. NAME OF INSURER: Chaucer Insurance a trading name of an authorised Lloyd s syndicate managed by Chaucer Syndicates Limited. TYPE OF INSURANCE: The policy protects your vehicles, comprising Comprehensive, Third Party Fire and Theft or Third Party Only cover, as selected by you when requesting the quotation and itemised in your Schedule. SIGNIFICANT FEATURES AND BENEFITS: Your policy includes the following features, which are explained in detail in your policy wording: COVER COMPREHENSIVE THIRD PARTY THIRD PARTY ONLY FIRE AND THEFT Legal liability for death or Included Included Included injury to any other person, including passengers Legal liability for damage to Included other than for Included other than for Included other than for other people s property up to commercial vehicles which commercial vehicles which commercial vehicles which 20,000,000 has a limit of 1,000,000 has a limit of 1,000,000 has a limit of 1,000,000 Damage to your vehicle Included Fire and theft only Excluded Windscreen repair/replacement Included Excluded Excluded Personal Accident Benefits: Up to 10,000 Excluded Excluded For you or your spouse for (excluding motorcycles) death or loss of limbs/sight up to age 69 Personal effects Up to 1,000 Excluded Excluded (excluding motorcycles) Class A courtesy car for duration Included for private cars Included for private cars Excluded of repairs authorised by us and following a claim for fire, completed by an approved theft or attempted theft repairer Class A courtesy car for up Included for private cars Included for private cars Excluded to 30 days if vehicle damaged following a claim for fire, beyond economical repair or theft or attempted theft stolen and not recovered Courtesy Car Upgrade Hire car to similar specification Hire car to similar specification Excluded to your damaged vehicle to your damaged vehicle provided for duration of repair provided for duration of repair up to maximum of 5,000 per up to maximum of 5,000 per incident if requested incident if requested 1

4 SYMPHONY POLICY SUMMARY (continued) COVER COMPREHENSIVE THIRD PARTY THIRD PARTY ONLY FIRE AND THEFT Foreign use Cover is automatically Cover is automatically Cover is automatically provided for an unlimited provided for an unlimited provided for an unlimited number of days in any number of days in any number of days in any period of insurance period of insurance period of insurance In-vehicle entertainment and Included Fire and theft only Excluded navigation equipment Driving Other Cars - Third party Extended to all named drivers Extended to all named drivers Excluded only cover to drive cars not subject to certain criteria subject to certain criteria owned or named on this insurance Driving Other Cars Extended to all named drivers Extended to all named drivers Excluded Comprehensive cover to drive subject to certain criteria subject to certain criteria cars not owned or named on this insurance subject to the limit shown on the schedule Spare parts and fitted Cover is included whilst kept Fire and theft cover is included Excluded accessories with your vehicle or in your whilst kept with your vehicle private garage or in your private garage New car replacement Included for all vehicles less Included for all vehicles less Excluded than two years old (but than two years old (but commercial vehicles must be commercial vehicles must be less than one year old) less than one year old) subject to certain criteria following total loss caused by fire, theft or attempted theft subject to certain criteria Salvage retention Option to retain salvage Option to retain salvage Excluded included subject to certain included subject to certain criteria criteria Trailer Cover up to 2,000 included Fire and theft cover up to Excluded whilst attached or detached 2,000 included whilst attached or detached Loss, theft or breakage of keys Unlimited cover included Excluded Excluded and also includes electroncic garage door keys Emergency overnight and Cover up to 1,200 per incident Excluded Excluded travel expenses (maximum 150 per person) included Medical/hospital expenses Cover up to 500 per person Excluded Excluded included for any one incident plus hospital expenses up to 100 per day for up to 30 days for you and your spouse (excludes motorcycles) 2

5 COVER COMPREHENSIVE THIRD PARTY THIRD PARTY ONLY FIRE AND THEFT Modifications due to Cover up to 10,000 towards Excluded Excluded disablement vehicle modifications if you or your spouse are disabled following an accident resulting in a claim for damage to your vehicle Child car seat Cover included to replace Excluded Excluded existing child car seat if involved in an accident whether or not child seat is damaged Road fund licence Cover included for unexpired Excluded Excluded and unrecoverable portion of your vehicle s road fund licence if your vehicle is totally destroyed Alternative transport costs Cover included up to 1,000 Excluded Excluded for you and spouse if through ill health, driving licence is revoked by DVLA and funding for alternative transport is required Car jacking Cover included up to 7,500 Cover included up to 7,500 Excluded towards medical expenses towards medical expenses following physical assault to a following physical assault to a named driver during aggravated named driver during aggravated theft or attempted theft and theft or attempted theft and applies in applies in any member of the any member of the European Union European Union Croatia Croatia Iceland Iceland Liechtenstein Liechtenstein Norway Norway Switzerland Switzerland Road rage Cover included up to 7,500 Excluded Excluded towards medical expenses following an accident which results in physical assault to a named driver (restricted to the UK) Inappropriate fuel Unlimited cover included for Excluded Excluded loss or damage to your vehicle caused by an inappropriate type or grade of fuel being used 3

6 SYMPHONY POLICY SUMMARY (continued) SIGNIFICANT AND UNUSUAL EXCLUSIONS OR LIMITATIONS: Your policy excludes some situations. Please refer to your policy wording for full details, but the most significant or unusual exclusions and limitations are outlined below. You will be responsible for the first part of any claim this is known as the Excess. The Excess will be shown on your Schedule and can be advised to you by your insurance adviser. If your vehicle is damaged while a young or inexperienced person (including you) is driving, or is in charge of the vehicle, you will have to pay an additional amount, as well as the Excess. Refer to Section 15 Excess for young or inexperienced drivers (including for the additional amounts). Damage to or loss of your vehicle or its accessories when your vehicle is left unattended unless all ignition keys are removed from the vehicle and all doors, windows and other openings are closed and locked so that your vehicle is fully secured. Refer to Exception M under the Exceptions for Sections 4, 5, 6, 7 and 8. Any liability to others, or loss or damage to any vehicle covered by this insurance when the vehicle is being driven in an unsafe, unroadworthy or damaged condition or does not have a valid MOT certificate when needed. Refer to General Exception 7 Driving, in charge of or using a vehicle. Any liability to others, or loss or damage to any vehicle covered by this insurance when the vehicle is carrying a load or a number of passengers which is unsafe or greater than the manufacturer s specifications. Refer to General Exceptions 8 and 9 Driving, in charge of or using a vehicle. Loss or damage when your vehicle is left unattended if the last person in charge of your vehicle before the loss or damage happened is not shown on your certificate of motor insurance as allowed to drive. Refer to Exception L under the Exceptions for Sections 4, 5, 6, 7 and 8. Section 2 Driving other cars, may be excluded for some drivers. Please refer to your insurance adviser for confirmation of cover. Loss or Damage in respect of theft or attempted theft of your vehicle may be excluded unless your vehicle is kept in a locked and secured building and your vehicle is a) at your private dwelling place; or b) at any other address specifically agreed by us; and if your vehicle is kept within one half-mile radius of a) or b). Please refer to your insurance adviser for confirmation of cover. Your policy cover may be inoperative and of no effect if your vehicle is driven in excess of the annual mileage you have disclosed at the inception or renewal of your policy. Please refer to your insurance adviser for confirmation of cover. Loss or damage in respect of theft or attempted theft of your vehicle may be excluded if you have an alarm, immobiliser or tracking device fitted to your vehicle and it is not operative. Please refer to your insurance adviser for confirmation of cover. 4

7 MOTOR BREAKDOWN SUMMARY MOTOR BREAKDOWN COVER The following summary for Motor Breakdown Cover does not contain the full terms and conditions of your breakdown policy contract. For a full explanation of the terms and conditions, please refer to the policy wording. COVER Standard Breakdown Home Assist European Assist COMPREHENSIVE, THIRD PARTY FIRE AND THEFT AND THIRD PARTY ONLY Included on ALL Family Motor Fleet policies Roadside assistance and recovery (if breakdown occurs more than one mile from your home within the UK) for your vehicle, you and up to 6 passengers to the nearest garage for repair, or your home or intended destination. Optional Provides Standard Breakdown cover if breakdown occurs at home address or within one mile of home address. Optional Provides Standard Breakdown cover if breakdown occurs in Austria, Belgium, Denmark, Finland, France, Germany, Greece, Italy, Luxembourg, Netherlands, Norway, Portugal, Republic of Ireland, Spain, Sweden and Switzerland for a maximum of 90 days per year. SIGNIFICANT AND UNUSUAL EXCLUSIONS OR LIMITATIONS: Your policy excludes some situations. Please refer to your policy wording for full details, but the most significant or unusual exclusions and limitations are outlined below. We will not pay for the cost of parts, components or materials used to repair the vehicle. The cost of alternative transport other than to your destination and a return trip to collect your repaired vehicle. The recovery of the vehicle and passengers if repairs can be carried out at or near the scene of the breakdown within the same working day. If recovery takes effect we will only recover to one address in respect of any one breakdown. Overnight accommodation or car hire charges if repairs can be carried out at or near the scene of the breakdown within an agreed time. Where service cannot be effected because the vehicle does not carry a serviceable spare wheel, aerosol repair kit, appropriate jack, or the locking mechanisms for the wheels are not immediately available to remove the wheels. Any request for service if the vehicle is being used for motor racing, rallies, public hire, private hire, courier services or any contest or peed trial or practice for any of these activities. Any damage to your vehicle or its contents whilst being recovered, stored or repaired and any liability or consequential loss arising from any act performed in the execution of the assistance services provided. Any caravan/trailer where the total length exceeds 7 metres (23 feet) recovered with the vehicle if the vehicle cannot be repaired roadside, and where it is not attached to the vehicle with a standard towing hitch. Any vehicle in excess of 3,175kg (3.5 tonnes) in weight. Any vehicle more than 5.18 metres (17 feet) long, metres (7 feet 6 inches) wide and 2.44 metres (8 feet) high. Any breakdown occurring within 24 hours of commencement of the period of insurance. Any more than six call-outs within the period of insurance. Claims totalling more than 15,000 in any one period of insurance. 5

8 MOTOR LEGAL PROTECTION SUMMARY The following summary for Motor Legal Protection does not contain the full terms and conditions of your legal protection policy contract. For a full explanation of the terms and conditions, please refer to the policy wording. COVER Motor Legal Protection COMPREHENSIVE, THIRD PARTY FIRE AND THEFT AND THIRD PARTY ONLY Included on ALL Family Motor Fleet policies Legal costs of up to 100,000 per claim are covered to pursue compensation in respect of uninsured losses incurred and/or personal injury sustained as a result of a motor accident arising as a result of another person s negligence. Legal advice service available between 9.00am to 5.00pm Mondays to Fridays (excluding bank holidays) on This insurance covers the legal costs incurred by Lyons Davidson Solicitors (the Legal Expenses Insurance Adviser) who acts on our behalf. The insured is not covered for any other legal representatives costs unless court proceedings are started. For a claim to be covered there must be reasonable prospects of a successful outcome. Claims must be notified as soon as reasonably possible. Legal advice is available on motor related matters only. 6

9 IMPORTANT INFORMATION YOUR CONTRACT Your policy will run for 12 months and is renewable on an annual basis. MAKING A CLAIM MOTOR INSURANCE ACCIDENT OR LOSS Oak Underwriting and Chaucer Insurance will provide you with an understanding approach if you are unfortunate enough to suffer an accident or loss. You should report immediately any accident or loss under the policy to: Chaucer Insurance Prospect House Chaucer Business Park Thanet Way Whitstable Kent CT5 3FD T: from within the UK outside UK When calling to report an accident or loss, please provide your policy number and full details of the accident or loss, including the date, potential costs and circumstances of the accident or loss. MAKING A CLAIM MOTOR INSURANCE: BROKEN OR DAMAGED GLASS To make a windscreen or glass claim, please ring the 24 hour Chaucer Glassline and have your certificate of insurance available. T: If your windscreen or glass is repaired whilst outside the UK please write to us at the address above with full details of the incident that caused the damage, together with the date, time and location of the incident and remember to include the invoice for the repair or replacement. MAKING A CLAIM MOTOR BREAKDOWN If your vehicle suffers a breakdown in the UK please call our 24 hour Control Room and have the following information available for the Rescue Controller (who will use this to validate your policy): Your return telephone number with area code Your vehicle registration The precise location of your vehicle (or as accurate as you are able to in the circumstances). T: from within the UK or if you are unable to make a connection if your vehicle breaks down in Europe (please check your policy cover). Please remember to guard your safety at all times but remain with or near your vehicle until our Recovery Operator arrives. Once our Recovery Operator arrives at the scene, please be guided by their safety advice. MAKING A CLAIM MOTOR LEGAL PROTECTION To make a Motor Legal Protection claim you should call us immediately on the following number: T: Unless a conflict of interests arises, you are not covered for legal fees incurred before Court Proceedings are issued unless you use our legal expenses insurance advisers. YOUR CANCELLATION RIGHTS We hope you are happy with the cover this policy provides. However, you have the right to cancel it within 14 days of receiving the policy documents or the start of the policy (whichever is later) without giving any reasons. If that happens, we will refund your premium, first deducting a charge for the cover provided from the beginning of the contract until the policy is cancelled. 7

10 IMPORTANT INFORMATION (continued) CANCELLING YOUR POLICY This insurance may also be cancelled in the following circumstances: We or your insurance adviser can send you seven days notice to your last known address. If you return the certificate of motor insurance to us, we will refund the part of your premium which applies to the period of the insurance you have left. You can cancel this insurance after the initial period of cover set out under Your cancellation rights by sending back your certificate of motor insurance and schedule to us or your insurance adviser. If you have not made any claims or notified us of an incident that may lead to a claim in the current period of insurance, and you are not going to make a claim, you will have to pay pro-rata rates for the period of time you have had insurance cover. Further charges may include a proportion of any commission paid to your insurance adviser and a proportion of any fees charged by your insurance adviser, sufficient to cover their costs. When an individual vehicle is deleted and the policy remains in force for the remaining vehicles, a proportion of your premium will be refunded based on the time left until your policy is due to expire. A refund will not be given if those vehicles have been involved in any accident or reported claim during the same period of insurance or for Specialist Vehicles and Motorcycles, as shown in your schedule. 8

11 IMPORTANT INFORMATION (continued) CUSTOMER CARE We are committed to providing you with a high-quality service and we want to make sure that we maintain this at all times. If you feel that we have not provided a first-class service, or if you have any questions about your insurance, please contact the broker or intermediary who arranged cover for you. If you are not satisfied with his or her response, please write, quoting the policy number shown on your schedule, to: Customer Relations Manager Oak Underwriting plc Cromwell Park Chipping Norton Oxon OX7 5DF And we will refer the complaint to: The Underwriter Chaucer Insurance Prospect House Chaucer Business Park Thanet Way Whitstable Kent CT5 3FD If you remain dissatisfied, you can refer the matter to the Complaints Department at Lloyd s. Their address is: Complaints Department Lloyd s One Lime Street London EC3M 7HA T: E: THE FINANCIAL OMBUDSMAN SERVICE (FOS) Complaints that the Complaints Department at Lloyd s cannot resolve may be deferred to the FOS to formally review the case. You must contact the FOS within six months of the final response at the following address: Financial Ombudsman Service South Key Plaza 183 Marsh Wall London E14 9SR T: free for people phoning from a fixed line (for example, a landline at home) free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02 E: ombudsman.org.uk This is a free and impartial service and will not affect your rights. FINANCIAL SERVICES COMPENSATION SCHEME (FSCS) Oak Underwriting (as part of Royal & Sun Alliance Insurance plc) and Chaucer Insurance are covered by the Financial Services Compensation Scheme (FSCS). This provides compensation in case any member goes out of business or into liquidation and is unable to meet any valid claims against its policies. You may be entitled to compensation if we cannot meet our obligations to you. Further information is available at 9

12 Cromwell Park Chipping Norton Oxfordshire OX7 5DF T: E: Authorised and regulated by the Financial Conduct Authority. FFKSYM 0214

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