1 BLD & Your Claim Danielle Davies BLD Group 4/3/2013
2 The UK s leading provider of motorcycle insurance claims management BLD is the UK s leading provider of motorcycle insurance claims management offering a full range of credit hire, repair, storage and claims services. We are passionate about bikes, a passion which has earned us an unrivalled reputation for customer service and satisfaction. We are the largest motorcycle credit hire company in the UK with a fleet of 750+ premium bikes ranging from 50cc to 1250cc. We are also one the UK s largest motorcycle repair specialists employing 27 full-time qualified mechanics, 1 apprentice and 12 painters, in state-of the art service and repair centres. We have 6 UK service centres, located in Ringwood, Bournemouth, Brighouse, Camberley, Birmingham and Cumbernauld as well as Lisburn (Belfast), providing a complete in-house service capability. We are motivated by the efficiency and quality of our service. Staffed by motorcycle experts and experienced claims professionals, our team is highly trained and knowledgeable. Offering dedicated support to customers throughout the claim, our processes are transparent, fully auditable and benchmarked against industry leading service level agreements (SLAs). Using in house custom built claims management and repair tracking software we achieve rapid turn around, and reduce hire costs. Key Facts - Association of British Insurer approved Tier 1 service provider (GTA) bikes, largest in-house fleet in the UK - 6 locations across the UK and Northern Ireland - High calibre management team with significant insurance and motoring industry experience - Industry leading SLA performance benchmarks - Pro-active case management using in-house custom built repair-tracking and claims management software, new in Online management and customer information - Full members, and Executive Committee member, of The Credit Hire Organisation. Our Services Tailored to your needs - Motorcycle, moped and scooter claims management services. - Motorcycles, mopeds and scooters for hire anywhere in the UK (including Northern Ireland) - Essential helmet hire and purchase of new replacement helmets at discounted rates. - Collection of damaged bikes from anywhere in the UK. - Storage for damaged bikes at BLD s service centres in UK or Northern Ireland pending repair or salvage disposal.
3 - The UK s largest motorcycle, moped and scooter repair specialists. - Assistance in disposal of salvage at highly competitive rates - Purchase of new motorcycles, mopeds and scooters with considerable discounts. Integrity and professionalism for all parties Professionalism and integrity is core to our success. As an independent service provider, we seek to add value to all parties involved in the accident management process. In particular our focus on customer service excellence and faster turnaround means all parties remain highly satisfied. We monitor our performance daily to ensure we meet and exceed the industry-leading standards we put in place with our partners. Customer service excellence BLD is instructed by most of the UK s leading motorcycle insurance brokers, companies, legal expenses insurers, accident management companies and solicitors in respect of both defendant and claimant referrals. What our customers say Your company is always in total control of the situation, which does inspire confidence. D.Kernahan, Biker The service I received was second-to-none, you and your colleagues kept me up to date on at least a weekly basis which was very reassuring, once again thank you all for an efficient and friendly service which seems so rare these days. G.Simpson, Biker The efficiency of your organisation and the no-nonsense attitude of your team made everything so much easier. T.Morton, Young Biker s Mum I would like to thank you and your staff for the excellent service and quality of craftsmanship in repairing my motorcycle. S.Bristow, Biker The service provided by your company has exceeded my expectations, in particular the level of assistance offered by your staff who were a pleasure to speak with on the telephone and always helpful. D.Cartwright, Biker
4 Contents Welcome 1 How to use this guide 1 Glossary of common insurance terms explained 1 Introduction 2 Our Operators 3 Information you must tell us 4 Are BLD providing you with a hire vehicle? 5 Are BLD dealing with repairs? 7 Inherited Charges 8 Are you using a repairer other than BLD? 9 Is your motorcycle being repaired by your fully comprehensive insurers or representatives? 10 Are BLD recovering your uninsured losses? 11 The recovery of BLD costs 11 Glossary of Terms 12 BLD complaints procedure advice to clients 16 How do you make a complaint? 17 What is a regulatory complaint? 17 What happens next? 18 Treating customers fairly 19 Conflicts of interest 20 Emergency contact details 21 Terms of business/customer charter 22
5 Welcome Welcome to BLD. As a new or returning customer, we want to help you to be aware of what we can do for you, and how our systems work. This booklet is designed to do just that, with full descriptions of what we do, and how you can get the best from our services. IT also provides you with details of how to contact us if you need to. How to use this guide The guide is laid out in several sections. As we provide different services to many of our customers, it is likely that not all sections are relevant to you. However, we still recommend that all our customers read the guide in full in order to make sure they have understood everything we offer. We have tried to cover all the usual queries and questions raised by our customers, but please feel free to contact us if you are unclear on any of our products or services. Glossary of common insurance terms explained The insurance industry is a complex one. Phrases and expressions are frequently used that can be confusing for those who are not familiar with them. We have tried to make this easier for you by providing a glossary of common terms, which can be found at the back of this guide. Terms that are covered in the glossary are italicised in the text.
6 Introduction Bikers legal defence (BLD) was established in 2000 and is now the largest motorcycles hire and repair business in the UK. BLD aims to get riders back on the road as quickly as possible after an accident by offering a credit hire motorcycle, plus assistance with your claim to recover either repair costs or the pre-accident value of your damaged motorcycle. We provide a one-point solution to getting you back on the road, and to dealing with your claim for damage to your bike. We have many years experience dealing with insurance companies on behalf of our clients, and the services we provide is highly respected throughout the industry. BLD is authorised and regulated by the Financial Conduct Authority (our FCA registration number is ), and is also regulated by The Claims Management Regulator, in respect of regulated claims management activities (our registration number is CRM3332). Our Operations BLD operates out of 6 locations, Ringwood, Bournemouth, Camberley, Brighouse, Birmingham and Cumbernauld, from with we provide nationwide coverage, and in addition work with commercial partners to provide coverage for Northern Ireland. We are recognised by the Association of British Insurers (ABI), and can be found on their website The ABI had agreed the terms under which credit hire organisations work with most insurers, and these are rules by which we conduct our business. We deal with all major insurance companies, and have good relations with them making it easier for us to recover your costs. BLD specialise in the provision of hiring motorcycles on a credit hire basis, enabling you to have the benefits of replacement transport with funding the cost.
7 As BLD provides you with a bike on credit hire, and recovers these costs from third party insurers, all requests for payment will be raised in your name. Requests for payment will be passed directly to the insurer of the person who caused the accident for payment. BLD will always attempt to recover full costs from the At Fault Driver s Insurers (AFDI) on your behalf; however, at all times you have a residual liability for hire charges. Due to recovering costs from the other sides insurance, it is important that you respond quickly to any requests you receive for information, and that you make us aware of all the facts relating to your accident. It is a requirement of all credit hires that they should be kept as short as possible to minimise costs to the AFDI. In the event that you cause unnecessary delays, or are untruthful in respect of the accident circumstances, you may be responsible for all or part of our unrecovered hire charges. Information you must tell us - If you have access to another vehicle and therefore have no need for a hire motorcycle. - If you require L-plates on hire motorcycle. - If you have any points on your licence. - If you are not using the hire motorcycle you have been provided with. - If your circumstances change and you will no longer be using the hire motorcycle. - If any damage is caused motorcycle. (Please note: you are responsible for the general running and maintenance of the hire motorcycle, including punctures). - If your insurers are not acting promptly. - As soon as a payment is received for your motorcycle - As soon as the repairs to your bike are complete, if these are not being carried out by BLD.
8 Are BLD providing you with a hire vehicle? BLD will contact you the day before the hire is due to commence to arrange delivery of the motorcycle with you. When your hire motorcycle is delivered you may be required to pay a 50 deposit to our driver, which is held against damage or misuse of our motorcycles. In the event that you damage the hire vehicle, or it is stolen whilst in your care, you will be responsible for an excess to the minimum of 500, dependant on your age and original insurance cover. If your own motorcycle is covered fully comprehensively, the hire bike excess will be limited to the sum of 250, and if your own cover is third party or third party fire and theft, the hire bike excess will be the sum of 500. Alternatively, you can pay a non-returnable sum of 70 for the collision damage waiver (CDW). By doing so, you will not be responsible for paying the excess in the event of damage or theft of the hire bike. However, this facility is only available to clients who are aged 25 years or older. Any pre-existing damage to the hire motorcycle will be noted on an orientation sheet and signed by you and the driver so that you will not be held accountable for this on collection. Your claims handler will monitor the hire duration and ensure this is kept to a minimum. You will be contacted every week by your claims handler to confirm you still require use of the hire vehicle. You will be provided with a hire agreement that is valid for a period of up to 85 days. You should not ride our hire vehicle after advised date, unless we advise you otherwise, as you will not be covered by our insurance. When the hire vehicle is due to be collected you will contacted by your claims handler and advised we need to end hire and why. Our hire department will then contact you to arrange collection. Please be aware that hire will end automatically: - If the 85 day limit is reached - 7 days after a total loss payment is received - Immediately once a cash-in-lieu payment is received
9 - Within 24 hours of repairs being completed - Immediately if you are found to be at fault for the accident. Please be aware that you are responsible for the maintenance and general running of the hire vehicle including punctures, as detailed in your hire agreement. Are BLD dealing with your repairs? If BLD are dealing with the repairs to your damaged vehicle we will collect it from an address advised by you. Once your vehicle arrives at our premises it will be inspected by one of our technicians and an estimate for repairs compiled. This estimate will be sent to the appropriate insurer, being the AFDI or your own insurer if you are comprehensively insured, and we will request that their engineers inspect your vehicle. BLD will chase the appropriate insurer to inspect your vehicle, should they fail to respond to our initial request. You will be informed of the inspection results as soon as they are known. We also have Delegated Authority agreements with some insurers, which means that we can commence the repairs to your bike immediately, without the need for an engineer to inspect. If the vehicle is repairable we will ask the appropriate insurer to authorise repairs. However, this is subject to them accepting liability. We will not start repairs on your motorcycle without the appropriate insurer authorisation or pre-payment of repairs from you. We will keep you updated on the progress of you motorcycle repair at regular intervals. If it is confirmed that your vehicle is beyond economical repair, we will contact you to arrange disposal of your damaged vehicle. We will request that the appropriate insurer issue payment to you, even if this is a part payment, to allow the hire period to come to an end, which helps mitigate the costs incurred. If there is any dispute in the valuation we will need evidence from you to support an increase.
10 Should the engineer confirm that the repairs to your motorcycle should be dealt with on cash in lieu basis, we will advise you of the payment the appropriate insurer are willing to offer. Once a payment has been received, your motorcycle will be returned to you to repair at your own convenience. Inherited charges One of the benefits of using BLD is that, should we be required to collect your damaged vehicle from a storage facility, we will pay the initial costs incurred in order for the vehicle to be released. Although these are, in the normal course of events, costs that you would have to pay directly, BLD will endeavour to recover these costs from the AFDI. However, should this not be possible for reasons beyond our control, such as a liability dispute, and then you will be responsible for reimbursing us for this loss once the case is concluded. Examples include: - Costs incurred for collecting the vehicle from the accident scene - Costs incurred for storing the vehicle. Should you incur any costs by using your own repairer or a repairer advised to you by your own insurance company, you will be responsible for these costs. We will however, attempt to recover any costs for you from the AFDI. Are you using a repairer other than BLD? Do you have non-comprehensive cover? BLD have excellent repair facilities with fully qualified technicians capable of undertaking any repairs to a very high standard. If, however, you choose to use a garage of your own choice to repair your damaged vehicle, you must ensure that an estimate of repair is provided to us within a week of the incident occurring. WE will send a copy of the estimate to the AFDI and request that they inspect your motorcycle. You will be advised of the inspection results as soon as they are known. If your vehicle is repairable we will request that the AFDI provides your repairer with repair authority subject to them accepting liability. You must make sure that you inform us of any delays with the repairs, as we are required to inform the AFDI, and this may affect the hire duration. Please also let us know as soon as
11 repairs are complete, and we will arrange collection of the hire motorcycle from you. If your motorcycle is a total loss and you are being charged storage, we suggest that you remove your motorcycle from storage so that further costs are not incurred. You will be responsible for the disposal of your damaged vehicle; although we will try to help with disposal should you require us to do so. Once the insurer has inspected your bike, we will advise you of the value placed on it and request that the AFDI issue with a payment. This may be on a without prejudice or part payment basis, to allow you to come off hire, thus mitigating costs. If you do not agree with the value placed on your motorcycle you will be required to provide evidence to support an increase. Please advise us as soon as you receive a payment for your vehicle should it come directly from the AFDI, so we can arrange collection of our hire motorcycle. Is your motorcycle being repaired by your fully comprehensive insurers or representatives? If your motorcycle is being repaired by your fully comprehensive insurers you must ensure they keep the repair duration to a minimum therefore mitigating the hire claim. You must ensure that: - The accident is reported to your insurers straight away. - An estimate for repair is provided to your insurer and the vehicle is inspected within a week of you reporting the accident. - Repair authority is given to the repairer within 3 days of the vehicle being inspected, or alternatively you are advised of the total loss value of your vehicle. - If required, you must pass your vehicle registration document and MOT to your insurers immediately (it may be worth finding these at the beginning of the claim if not to hand, and send these recorded delivery to ensure they are received). If you disagree with the value placed on your vehicle you must request your insurers issue you with an interim
12 payment, and advise us, as you may not be able to remain on hire during a valuation dispute. - Once repairs are complete or your bike has been written off, you must advise us immediately and we will arrange to collect the hire motorcycle. You must always advise us as soon as you receive a payment for your motorcycle. If you are comprehensively insured and opt for BLD to carry out the repairs to your motorcycle, then advice will be given on the above steps as requested. If your insurers delay your claim in any way, and do not work to the above timescales, we will give them 48 hours to rectify the situation. However, if it is not rectified in this time we will have to remove you from hire as losses are not being kept to a minimum. Are BLD recovering your uninsured losses? If you have suffered any uninsured losses (e.g policy excess, clothing, mobile phone, etc.) as a result of the accident and you do not have any solicitors acting for you, BLD will endeavour to recover these losses for you. If you wish to make an uninsured loss claim you must: - Provide full details of the items you wish to claim for. - Provide original purchase receipts, as well as photos if necessary. - Provide an estimate for replacement items if necessary. - Always keep the damaged items in case the AFDI wish to inspect them. The AFDI may make a deduction for any wear or tear to any items, so that you will not be put back in a better position than you were prior to the accident. Normally they will not replace new for old. The recovery of BLD costs All of BLD s payment requests will be raised in your name as they are on a credit basis, and will be sent to the AFDI for direct payment. Your claim will be passed to our Technical Claims department who will endeavour to recover all BLD costs, settle any outstanding liability issues and recover any outstanding losses suffered by you, however at all times you have a residual liability for hire charges. If you have a solicitor acting on your behalf, we will also advise them
13 of these costs so that these can be included on your claim and so that the solicitor is able to gauge the total cost of the claim should there be reason to pursue the matter through courts. At- fault driver Glossary of terms The at-fault driver is the person who was the main cause for the accident. The at-fault driver may not necessarily be the person who made contact with your vehicle. AFDI At-fault driver s insurers. Cash in lieu A cash in lieu payment will be made where it is considered that you will be put in a better position than before the accident if your motorcycle were to be repaired. For example if your vehicle was not in pristine condition prior to the accident, and it was repaired with all new parts, it would be in a better position than before. Interim payment This is an amount paid to you in partial settlement of your claim. When an interim payment is made this does not mean that your claim has been settled in full nor that you accept the amount that has been offered, but is to assist with the mitigation of your claim. Mitigation/Mitigating Mitigation is keeping losses you have suffered as a result of the accident to a minimum. Motor insurance bureau The Motor insurance bureau (MIB) is a private limited company that was established in 1946 to compensate the victims of negligent uninsured and
14 untraced motorists. Every motor insurer is obliged to be a member of MIB and to contribute towards its funding. All MIB claims are dealt with in accordance with the appropriate agreement and the law. You must ensure that you have informed the police of the accident within 5 working days, or 14 days in the event that you were hospitalised, as part of the requirements under the agreement. The MIB fund is used as a last resort and they will consider claims for property damage and injury where compensation cannot be claimed from another source. They are obliged to handle claims in accordance with the agreements between the MIB and the government. If your claim requires intervention from the MIB we will send you all the appropriate forms for completion and you will be required to include all costs that have incurred as a result of you using our services in any claim made. Third party insurer The insurance company of the person who has been involved in an accident with you. Total loss Your vehicle will be classed as a total loss when the cost of repairs exceeds its value prior to the accident or if your vehicle is damaged to the extent that it should never go back on the road. If your motorcycle is a total loss you will be able to claim the current market value for your motorcycle, and if retaining the damaged motorcycle the salvage value (the value of the motorcycle after accident damage) will be deducted from the market value of your motorcycle. There are 4 different categories of total loss: - Category A: Total burnout or flood damage(salt or foul water) Severely damaged with no serviceable parts, or already stripped out shell. May not be resold. Must be crushed. DVLA require Notification of Destruction - Category B: Damaged beyond economical repair, usually with severe structural damage
15 May not be resold. Parts can be removed and sold. DVLA require Notification of Destruction - Category C: Repairable Salvage Usually applies to vehicles with significant (structural) damage, where cost of repairs exceeds book value. - Category D: Repairable salvage Minimal damage, probably not structural, but repair costs exceed the value of your vehicle, or for unusual models or grey imports where the difficulty of obtaining new parts hinders a quick repair. If you do not agree with the value placed on your motorcycle you will be required to provide evidence to support an increase in valuation such as adverts showing the same make and model with similar mileage to your own motorcycle selling for more than the valuation. You cannot remain on hire during a valuation dispute and you must request that an interim payment is issued to you. Once you receive a total loss payment for your vehicle you must advise BLD immediately. You are entitled to our hire motorcycle for a further 7 days after the receipt of a total loss cheque by BLD or yourself, whichever is first. Uninsured loss An uninsured loss is a loss that you have suffered as a result of the accident that is not covered by your insurance policy; for example any excess paid towards the cost of the repair under the terms of your fully comprehensive policy. Without prejudice IF the AFDI conduct any part of the claim on a without prejudice basis, this means they are dealing without accepting liability. You must be aware that should the AFDI make a payment to you on a without prejudice basis, and part or all of the claim is then settled against you, then the payment you have received will include an overpayment and you will be required to reimburse this to the at fault drivers insurers.
16 BLD complaints procedure advice to clients BLD is committed to providing a quality service and achieving the highest standards of conducts (and adopt these commitments as company values). One of the ways in which we continue to improve our services is by listening and responding to the views of our customers. Therefore we aim to ensure that: - Making a complaint is as easy as possible. - We treat as a complaint any clear expression of dissatisfaction with our service which calls for a response. - We treat it seriously whether it is made in person, by telephone, by letter, by fax, or via our social media outlets. - We deal with it promptly, politely and, where appropriate, informally (for example, by telephone). - We respond in the right way for example, with an explanation, or an apology where we have got things wrong, or information on any action taken etc. - We learn from complaints, use them to improve our service, and publish information on complaints for example, in our management meetings. How do you make a complaint? You can make a complaint in writing, by fax, by , by telephone or in person (by appointment please). If you are writing, faxing or ing your complaint, please provide your telephone number if a response by telephone would be convenient. If you are ing, please state if a reply by is required, and if not, please provide a full postal address.
17 If you know the department, which is relevant to your complaint, or the name or title of an appropriate member of staff, please make your complaint direct to them (referring to this complaint procedure would be helpful). If you do not have this information, please get in touch with our switchboard operator, who will give you the contact details for the most appropriate person. The switchboard can be reached at: BLD House, Unit 3A Carvers Industrial Estate, Southampton Road, Ringwood, Hampshire BH24 1JR Tel: , Fax: , (for complaints only) What is a regulatory complaint? A regulatory complaint is one that relates to claims negotiation and mediation, or is a complaint related specifically to the insurance policy supplied with the hire bike.
18 What happens next? 1. We will acknowledge your complaint within 24 hours via telephone from when we receive it, and we will aim to resolve it promptly. Our response will either be a full response to the complaint, or will summarise the details of your complaint and who is responsible for resolving it. 2. If it is not possible to give you a full reply at this time for instance, because a detailed investigation is required we will aim to send you a full written response in no more than 4 weeks. In exceptional circumstances, we will write to you within 4 weeks with an interim response, telling you what is being done to deal with your complaint, when you can expect the full reply and from whom. Our full response will then be sent to you swiftly within no more than 8 weeks from the date of your complaint. 3. The full reply will include details of who to contact next if you believe your complaint has not been dealt with properly. This will normally be the appropriate senior manager. 4. If the complaint is of a regulatory nature under the Financial Conduct Authority then you will have recourse to the financial ombudsman service. Information of this service is available on: 5. When complaints are referred to us by another source company, for example when your complaint involves elements of service from both companies, we will keep them informed by copying them into our responses to you.
19 Treating customers fairly BLD believes that the overall aim of its Treating Customer Fairly policy is that all customers should be treated equally as far as is reasonably possible, and that at all times the company and its employees act in a professional manner that is in your best interest while not to the detriment of BLD. BLD has long had a view that the customer is important, and as such the service we provide you is paramount. In creating this policy, the following were identified as key areas in ensuring that our customers are treated fairly; - Initial client contact - Assessing the provision of services to be provided; - The credit hire motorcycle insurance policy; - Damage cover to the credit hire motorcycle; - The arranging of the hire transport; - Collection of your bike if required; - The on-going management of your claim; - Remuneration packages of our staff; - Any additional services; - The company s financial promotions; - The complaints procedure; - The training and competency of our staff. The aim of BLD is to allow you as an accident victim to receive the best service to ensure that the management of your claim is as painless as possible.
20 Conflicts of interest BLD believes that it should carry out its business and the services that it provides in a manner to minimise the potential risk of a conflict of interest between the company and the customer. The areas of BLD s business that comes under the auspices of the financial services authority are the insurance policy supplies with the hire motorcycle and the claims handling services provided. BLD has an insurance policy in place that either meets or exceeds the industry expected level. With regards to the claims management, it is the intention of BLD to always work in your best interests when managing and negotiating your claim. There is no advantage to BLD settling your claim for less than you wish to receive as the company would suffer also, as it would be less likely that we would be able to recover the full value of our costs. Senior management hold the responsibility to ensure that the company does not put itself in a position where there is conflict of interest. All possible conflicts are reviewed annually, so that any required action can be taken in order to rectify these. Emergency contact details If you are involved in an accident on one of our hire motorcycles, or it is stolen, breaks down, or any accidental damage is caused, please contact us by phone immediately and inform us of all the details. Switchboard (operational 24 hours a day) Main fax Main Website Address BLD House Unit 3A Carvers Industrial Estate
PAA Scheme - Terms & Conditions Accident Not Your Fault? In the unfortunate event of you having an accident that was not your fault, we ll get your vehicle recovered from the accident scene (if it s not
E P EWART PRICE SOLICITORS ROAD TRAFFIC ACCIDENTS - NOTES FOR CLAIMING FOR PERSONAL INJURY AND OTHER UNINSURED LOSSES If you have been involved in a Road Traffic Accident as a driver or passenger we hope
Terms of business agreement - commercial customers M & N Insurance Service Limited Authorised and regulated by the Financial Conduct Authority No: 305837. Registered Office: 248 Hendon Way London NW4 3NL
GENERAL POINTS A L L B R I G H T B I S H O P R O W L E Y L I M I T E D T E R M S OF B U S I N E S S 1. Allbright Bishop Rowley Limited (or ABR) is a General insurance broker based at 2-3 The Courtyard,
GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX FIRST STEPS 1. When an accident happens involving one of my vehicles what should I do? 2. When should I contact Gauntlet? 3. Are photographs important?
Motor Insurers Bureau Making a claim A brief guide This booklet This booklet gives important information about the Motor Insurers Bureau (MIB) and making a claim. Please read it carefully before you fill
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
Your guide to making A MOTOR INSURERS BUREAU CLAIM 1 Guide to making an MIB claim - Issue 5 (09.15) This booklet This booklet gives important information about the Motor Insurers Bureau (MIB) and making
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
Guide to making a Motor Insurers Bureau claim www.mib.org.uk This booklet This booklet gives important information about the Motor Insurers Bureau (MIB) and making a claim. Please read it carefully before
The Consumer CouncilThe Consumer Council Contents Types of cover What is an insurance excess? What affects the price of my motor insurance? How to shop around for the best deal Tips for cutting the cost
DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE For recovering your vehicle, notifying your insurer, replacement hire vehicles or courtesy cars, arranging repairs and securing compensation
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
DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON 0800 783 6066 WHY YOU NEED DASDRIVE LEGAL PROTECTION PERSONAL INJURY COVER RECOVERY OF UNINSURED LOSSES REPLACEMENT HIRE
DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE Act quickly after an accident and call us now on 0800 783 6066 2 DASDRIVE ULTIMATE If you ve been unfortunate enough to have been involved in a motor
DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE For recovering your vehicle, notifying your insurer, replacement hire vehicles or courtesy cars, arranging repairs and securing compensation
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
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
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
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
Claims Reporting Procedure This document includes:- An introduction to the claims reporting process Your Belmont contacts The life of your claim A review of the Ministry of Justice Reforms Introduction
TERMS OF BUSINESS This document is effective from 27 September 2013 and supersedes all Terms of Business previously issued by us. It sets out the terms upon which we agree to act for our clients and contains
Your Pocket Guide to Commercial Motor Claims DRIVER CHECKLIST AT THE SCENE OF A MOTOR ACCIDENT If you are NOT injured, exit the vehicle: DO NOT ADMIT LIABILITY IF ANY party is injured - Call the emergency
VEHICLE DAMAGE CLAIMS* ACCIDENTS HAPPEN! Unfortunately, road traffic collisions are all too common with over 30,000 accidents occurring on Irish roads each year. When an accident happens it can be a stressful
INTRODUCTION TO LUKER ROWE & TERMS OF BUSINESS GENERAL INSURANCE Luker Rowe Chartered Insurance Brokers Century House, London Road Amersham, Buckinghamshire, HP7 0TU Tel: 01494 733337; Fax: 01494 733366;
Terms of business agreement - Commercial clients Please read this document carefully. It sets out the terms on which Finch Insurance Brokers Ltd agree to act for clients and contains details of our responsibilities
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
INTRODUCTION This policy summary provides key information about the Uninsured Loss Recovery Policy, which you should read. For full terms and conditions of the policy please refer to the policy document
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
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
Motor Legal Care Terms and Conditions The cover provided under this notice is in addition to your Breakdown cover and should be read together with your existing terms and conditions. RAC Motor Legal Care
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
Motor Accident FAQs Motor FAQs Q. I have already reported my claim to you. When will I hear from you again? A. Depending on the accident, we may not need to contact you. This does not mean we are not dealing
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
Absentee Landlord Indemnity Insurance Policy This Policy is the contract between You and the Insurer and it includes the Schedule and any endorsement, extension, plan or appendix issued with it. We have
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
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
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
1. BROKER INFORMATION TERMS OF BUSINESS AGREEMENT - INSURANCE BROKING Stephenson s (2000) Ltd T/As Cooke & Mason, Manor House 3 Low Moor Road Lincoln LN6 3JY is an independent Chartered Insurance Broker.
Hamblin-Martin Financial: Service Charter Mortgage & Insurance OUR SERVICES 2 TERMS OF BUSINESS 3 THE COST OF OUR SERVICES 6 TERMS OF AGREEMENT 9 CUSTOMER CHARTER & OUR CONTACT DETAILS 10 Client Agreement
Ethical CAR MOTORCYCLE Traceable Hire FLEET PRODUCTS & SERVICES FOR THE MOTOR INSURANCE INDUSTRY Transparent ForensicInjury Recovery Accident Management Repair Reconstruction Investigation Customer Service
Member Extras TERMS & CONDITIONS Issue 1, 2015 Welcome Welcome to your AA Member Extras. You are entitled to additional benefits as well as the breakdown cover provided under your Membership. This booklet
Liability Claims Guidance Notes It is important that you read and understand these guidance notes before When can a claim be made against the Council? completing the claim form To successfully claim compensation
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,
Our Services Explained Winn Solicitors provide a one-stop-shop service for innocent victims of road traffic accidents and other accidents, who need help to recover compensation and/or other services. In
Motor Vehicle Accidents Crash!!! Oh no, now what? It is often hard to know what to do if you are involved in a motor vehicle accident. What rights and responsibilities do you have? And what actions, if
See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March
The Sector Skills Council for financial services, accountancy and finance National Occupational Standards for the Financial Services Sector General Insurance Final version approved September 2009 Contents
Motoring Legal Solutions Page 1 Why you need Motoring Legal Solutions Being involved in any kind of car accident can be very distressing. If you are unfortunate enough to be involved in an accident that
Private Car Insurance Policy Document Emergency Helpline: We are here to help you 24 hours a day, 365 days a year We are committed to providing our customers with an exceptional level of service, especially
Volkswagen Ensurance Cover Booklet 03/14 V2.0 Welcome Welcome to Ensurance your free three year Accident and Repair Cover, designed to help you if your car is damaged in an accident or stolen. This document
Reassurance guaranteed Protect your motorcycle AutoTrust Asset Protection Introduction Title 2 x. Did If you don t know follow that the manufacturer s if your motorcycle is written off as service schedules
Understanding the Claims Handling Process About This Brochure This brochure was designed to answer frequently asked questions about the claim handling process. If you have other questions or would like
See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March
The Surrey Mortgage Broker General Terms and Conditions 10 Borelli Yard The Borough Farnham Surrey GU9 7NU Together, the content of the accompanying brochure (if any), the Client Fee Agreement (if we will
Loan Car Legal Cover Terms and Conditions As a Loan Car Driver, you also benefit from legal expenses cover. Legal expenses cover pays the legal costs and expenses of any legal proceedings to recover uninsured
TERMS OF BUSINESS FOR ACCOUNTANTS The Professional Indemnity Company Indemnity House 131 Main Road Broughton Chester CH4 0NR Tel: 0333 733 5192 Fax: 0333 733 5193 www.theprofessionalindemnitycompany.com
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
QUESTIONS AND ANSWERS ABOUT ILLINOIS AUTOMOBILE INSURANCE AND ACCIDENTS What types of coverages are available? Generally, automobile insurance policies provide Bodily Injury and Property Damage Liability
Motor Legal Protection Policy Summary This summary is designed to provide an overview of Motor Legal Protection. The full terms and conditions of this insurance contract can be found in the policy booklet.
Fleet Legal Guard Policy Wording What s inside... Introduction 3 What to do if you need to make a claim 4 Legal helpline 5 Claims for compensation 10 Claims for physiotherapy 12 Terms and Conditions 13
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)
Co-operative Insurance Motor Legal Expenses and Legal Helpline Welcome to The Co-operative Insurance Motor Legal Expenses cover, which is included as standard as part of the Van Insurance from The Co-operative
PLEASE CONTACT US IF YOU REQUIRE THESE TERMS OF BUSINESS IN LARGER PRINT Painters Terms of Business Version 3: January 2014 Introduction We aim to offer our clients quality legal advice with a personal
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
Terms and conditions The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires
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
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,
Asda Car Insurance Terms of Business money Contents page number Terms of Business... 3 About us... 3 Our status and the services provided... 3 The capacity in which we re acting... 3 Quotations... 3 How
Over 50s Life Insurance with the Lifetime Payback Guarantee Key Facts and Policy Terms and Conditions Welcome to British Seniors We all want the best for our loved ones. Now that you have chosen British
PRIVATE MOTOR INSURANCE MARKET INVESTIGATION Background to claims management process Introduction 1. This working paper provides an outline of the claims management process. 2. The claims management process
Professional Direct Insurance Ockford Mill Ockford Road Godalming GU7 1RH Terms and Conditions of Business Agreement This document is important and sets out the basis upon which we will carry on our business
Audi Ensurance Cover Booklet 7/13 v1.0 Welcome Welcome to Ensurance your three year Accident and Repair Cover, designed to help you if your car is damaged in an accident or stolen. This document contains
Summary of Cover This summary does not contain the full terms and conditions of the Policy, The full terms, conditions and exclusions that apply to the Policy can be found in the Policy document. You have
BUPA BY YOU YOUR MEMBERSHIP GUIDE bupa.co.uk ABOUT THIS GUIDE Welcome to your Bupa By You guide. We know that insurance can be hard to follow. That s why we ve made this guide as simple as possible. You
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
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