Fleet Excess Protect
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- Coral Meagan Curtis
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1 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 to understand. Please take time to read through it and contact us if you need any further information. Insurer This policy is underwritten by AmTrust International Underwriters Limited, whose registered office is at 40 Westland Row, Dublin 2, Ireland. AmTrust International Underwriters Limited are registered in Ireland under registration number and are authorised by the Irish Financial Services Regulatory Authority. AmTrust International Underwriters Limited is regulated for the conduct of UK business under FSA Ref. No Your policy is arranged by Love Insurance Group (Broking) Ltd and claims administered by Business & Domestic Insurance Services which is a trading style of Motorway Direct Plc. Motorway Direct Plc are authorised and regulated by the Financial Conduct Authority (FCA), authorisation number our address is 1 Waterside Court, Bold Street, Sheffield S9 2LR. What Makes Up This Policy? This policy and the certificate of insurancemust be read together as they form your insurance contract. Monetary Limits The policy insures you up to the amount of your excess in respect of each claim made under this policy in respect of the period of insurance subject to an aggregate annual amount equal to your cover level as specified on your certificate of insurance. Cooling Off Period Your policy administrator will refund in full your premium, if, within 14 days of purchasing this insurance you decide that it does not meet your needs providing that you have not reported or are intending to report a claim. Once the 14 days has expired you may cancel this insurance but no refund of premium will be given. Jurisdiction And Law This policy will be governed by the laws of England, whose courts alone shall have jurisdiction in any dispute arising from this insurance.
2 Caring For Customers We hope you will be completely happy with this Insurance but if something does go wrong, we would like to know about it. We will do our best to resolve the issue and make sure it doesn t happen again. Complaints About The Sale Of This Insurance If you have any concerns regarding the sale of this Insurance, please contact the selling agent. Complaints about this Insurance Please contact our Customer Services Manager either by telephone on , or by to bdicustomerrelations@businessanddomestic.co.uk. Alternatively write to us at Business & Domestic Administration Services, 1 Waterside Court, Bold Street, Sheffield, S9 2LR. If You Need To Complain We will acknowledge your complaint within five working days. If you remain unhappy with our final response, or we have not managed to provide a final response within 8 weeks of your complaint, you may be entitled to refer your complaint to the Financial Ombudsman Service for help and advice. There are several ways you can contract them: Phone: or complaint.info@financial-ombudsman.org.uk Post: Insurance Division Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Financial Services Compensation Scheme (FSCS) The Insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the Insurer cannot complete their obligations. This depends on the type of business and the circumstances of the claim. For claims against insurers 90% of the claim is covered with no upper limit. Further information about the compensation scheme is available from or by phoning or Please make sure you always quote your policy number from the Schedule. This complaints procedure does not affect your statutory rights.
3 Eligibility What are eligible for cover under this policy? Vehicles used on a personal or a commercial basis and insured on a fleet insurance policy in the United Kingdom (England, Wales, Scotland, Northern Ireland, Channel Islands and the Isle of Man). Cover Provided 1. Subject to the appropriate premium having been paid, the Insurer will pay to you in each relevant period of insurance, an amount equal to the amount of the excess in relation to each settled claim on your fleet insurance policy up to your cover level in respect of claims arising as a result of fire, theft, flood, vandalism, or an accident that was partially or fully your fault, or partially or fully the fault of a named/authorised driver, or where within 6 months you are unable to recover your excess from a liable third party. 2. Cover levels available in any one period of insurance subject to payment of the aggregate premium for the number of covered are: Up to 5 Up to 10 Up to 15 Up to 20 Platinum 6,500 Gold 5,000 Silver 3,000 Standard 1, Please refer to your certificate of insurance for details of your cover level. Definitions Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this policy. 1. You/your/insured person - means the party referred to at the top of the certificate of insurance. 2. Claims administrator means Business & Domestic Administration, 1 Waterside Court, Bold Street, Sheffield S9 2LR. 3. We/us/our - means AmTrust International Underwriters Limited. 4. Policy Administrator - your policy is administrated by: Love Insurance Group (Broking) Ltd, New Acre House, Shentonfield Road, Manchester M22 4RW 5. Excess - means the amount you must pay under the terms of your fleet insurance policy as the first amount of any claim. 6. Period of insurance - means the period for which we have accepted the premium as stated in your certificate of insurance.
4 7. Fleet insurance policy means the insurance policy issued by a motor insurer authorised in the UK in respect of your commercial motor vehicle(s); 8. Motor insurer means the motor insurer which underwrites your fleet insurance policy. 9. Named/authorised driver(s) means drivers in addition to you who are permitted to drive your commercial motor vehicle under the terms of your fleet insurance policy. 10. Certificate of insurance - this forms part of this policy and contains your name and gives details of the cover provided by this policy and the commercial motor vehicle(s) to which this cover relates. 11. Commercial motor vehicle - a vehicle (not being an invalid carriage) which is constructed for the carriage of passengers and goods in connection with your business and including used for hire and reward, of which you are the owner, registered keeper or where the vehicle is leased by you and which you are responsible for under a leasing agreement, or where you are legally responsible for that vehicle and which is covered under the terms of your fleet insurance policy 12. Cover level means the total aggregate amount which we will pay to you under this policy during the relevant period of insurance being the amount specified as such on your certificate of insurance; 13. Policy means this policy of insurance on the terms and subject to the conditions, limitations and exclusions set out in this document. General Conditions Applicable 1. You must comply with the following conditions to have the full protection of your policy. 2. Cover is provided for the following uses: a. Social domestic & pleasure b. Personal business use by policyholder personal use by a named/authorised driver(s) c. Personal Business Use by policyholder & named/authorised driver(s) (excluding commercial travel) d. Public or private hire by policyholder / named /authorised driver. e. Commercial use 3. The insured person as stated on the certificate of insurance must match the insured person on the fleet insurance policy. 4. All claims under this policy must be notified to us as soon as reasonably possible. 5. No payment will be made under this policy unless you have a settled claim under your fleet insurance policy where the excess has been exceeded. 6. In the event that any misrepresentation or concealment is made by you or on your behalf in obtaining this Insurance or in support of any claim under this Insurance, the policy will be voided and no refund of premium will be given. 7. You must maintain a fleet insurance policy at all times during the period of this policy. 8. All named/authorised drivers must hold a current and valid UK driving licence, or hold a full valid internationally recognised licence.
5 9. You must have all the relevant documentation to support that you are the owner and keeper of the commercial motor vehicle or where the vehicle is leased by you, you must have all the relevant documentation to support that you are legally responsible for the commercial motor vehicle under the leasing agreement; or where you are legally responsible for the commercial motor vehicle you must have all the relevant documentation to support that you are legally responsible for it. What Is Not Covered (Exclusions) This policy does not cover or apply to: 1. Any excess in respect of any claim under your fleet insurance policy that your motor insurer declines or any case where no claim is brought under your fleet insurance policy because the value of such claim would not exceed the excess payable by you under your fleet insurance policy. 2. Any excess in respect of any claim which occurred prior to the commencement date of this policy as shown on your certificate of insurance. 3. Any contribution to or deduction from the settlement of your fleet insurance policy claim other than the excess. 4. Where any third party has reimbursed you and made good your excess. 5. Any liability you accept by agreement or contract, unless you would have been liable anyway. 6. Any excess in respect of any claim under your fleet insurance policy solely in respect of glass repair or replacement; Conditions Applicable 1. Right of recovery - we can undertake proceedings in your name but at our expense to recover for our benefit the amount of any payment made under this policy. 2. Other insurance - If you were covered by any other Insurance for the excess payable following a settled fleet insurance policy claim, which resulted in a valid claim under this policy, we will only pay our share of the claim. 3. Reasonable precautions - you must take reasonable steps to safeguard against loss or additional exposure to loss. 4. Keeping to the terms of this policy - we will only give you the cover that is described in this policy if any person claiming cover has met with all its terms as far as they apply. 5. Fraudulent claims - If you make a claim under this policy that is false or fraudulent in any way, the policy is void and any claim will not be paid.
6 Claims Making a claim: Claims Via The Internet Should you wish to claim under this policy, you should go to; You will be able to complete this claim form online. You will then receive communication confirming your claim number and a list of documents you are required to return. Please post a copy of the claim form you completed online with all the required documentation to: Business & Domestic Administration Department Excess Protect Claims 1 Waterside Court Bold Street Sheffield S9 2LR If you do not have access to the internet and would like to claim via post Please call the claims administrator on to notify Your claim with them. The claims administrator will register your claim. They will send an acknowledgement letter with a claim form for you to complete. This correspondance will include a list of documents required to support your claim. Please post a copy of this acknowledgement, the completed claim form and all supporting documentation to: Business & Domestic Administration Department Excess Protect Claims, 1 Waterside Court, Bold Street, Sheffield S9 2LR Should you need to contact the claims administrator please call or claims@excessprotect.co.uk Data Protection Act 1998 Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties.
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