2016 Star Ratings General Insurance Add-Ons Discussion paper

Size: px
Start display at page:

Download "2016 Star Ratings General Insurance Add-Ons Discussion paper"

Transcription

1 2016 Star Ratings General Insurance Add-Ons Discussion paper Defaqto Limited All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical or any other, or be stored in a retrieval system without the express written permission of the publisher. The publisher has taken all reasonable measures to ensure the accuracy of the information and Ratings in this document and cannot accept responsibility or liability for errors in or omission from any information given and for any consequences arising.

2 About this document This document outlines the key developments and trends that will inform the criteria we use for the 2016 Star Ratings for 'Add-On' products sold alongside Car and Home Insurance. 2

3 Key developments and trends The market In recent years the growth of the aggregator market has led many insurers to change the way in which they construct personal insurance covers, particularly in the motor and home insurance space. Increasingly products are being designed with multiple optional features, rather than as all inclusive products which might traditionally have been the case. Product covers such as breakdown, courtesy cars and legal expenses, which might have once been core to enhanced products are increasingly being sold as separately priced policy upgrades. On internet quote sites it is becoming more difficult for customers to be clear about what is and is not covered when shown the initial quotes from insurers, and this has brought more regulatory focus onto this market. Legislation and regulation The FCA review into the sale of add-on insurance has brought considerable attention to the traditional motor and home insurance area, as well as to sales of insurance alongside non-insurance products such as motor vehicles. While the FCA does not appear to be planning to ban the sale of add-ons, there is much more focus on how much add-ons cost, and equally importantly what benefits they provide the customer. 'Value' in particular appears to be important and insurers will increasingly need to show their customer just what they will be getting for the additional premiums being charged. No clear definitions yet exist of what constitutes an 'add-on', as opposed to something which is just a product option; Defaqto already rate some insurance covers which might be considered as add-ons: Current Star Ratings Motor Insurance Home Insurance Policy Add-Ons Motor Breakdown Motor Legal Expenses Annual Travel Home Emergency Associated Covers Motor GAP Boiler Breakdown Although it is difficult to agree a definition of what constitutes an add-on, Defaqto has identified a number of criteria that would indicate they should be treated as such: Cover is usually optional and at a fixed price per policy (i.e. not individually underwritten) Cover is described in a separate policy section, or often in a separate policy altogether, with definitions and exclusions that apply only to that add-on cover Customers can buy similar or identical cover on a stand-alone basis from other providers in the market. While these characteristics are not completely definitive they serve as a good starting point in identifying product add-ons to Star Rate. 3

4 New Star Ratings Using the characteristics outlined above Defaqto has narrowed down the list of potential unrated add-ons to a list of six major covers which match the criteria and for which a Star Rating might be appropriate. Over the past year Defaqto has been collecting and analysing product information on these add-ons, and has discussed potential comparison criteria in detail with a number of insurers and providers in the market. From 1 October 2015 we will be publishing new Star Ratings in the following product areas: New Star Ratings from 1 Oct 2015 Policy Add-Ons Motor Insurance Excess Protection Key Cover Personal Accident Misfuelling Cover Total Loss Courtesy Car Home Insurance Home Legal Expenses Products/propositions Our initial product analysis has included products which are sold as add-ons to other insurance products, as well as those equivalent products which can be purchased on a standalone basis. Star Ratings Add-On No. of Providers No. of rated products No. of rating criteria Motor Excess Protection Motor Key Cover Motor Personal Accident Misfuelling Cover Total Loss Courtesy Car Home Legal Expenses Across the six add-on areas we have identified and rated 635 products on offer from 244 separate distribution brands. 4

5 Appendix: Proposed 2016 criteria Given that these ratings will launch on 1 st October 2015, we do not propose to make any significant amendments to the Rating criteria for Unless there are significant changes in the market in the interim we propose to use the following criteria in our assessment process for the 2016 Star Ratings (core criteria are in bold text) Rating criteria Motor Excess Protection Named Driver Cover Accidental Damage Claim Initial Exclusion Period Malicious Damage Claim Available Cover Limits Vandalism Claim Claims Limit Per Year Flood Claim Main Driver Excess Claims Basis At Fault Claim Claim Notification Period Partial Fault Claim Claims Processed - Online Non-Fault Claim Claims Document Upload Non-Fault Time Limit Cooling Off Period - Basis Fire Claim Cancellation Return Theft Claim 5

6 2016 Rating criteria Misfuelling Cover EU Cover Limit (days) Transportation - Passengers Named Driver Cover Transportation Location Initial Exclusion Period Replenished Fuel Limit Incident Limit Hire Car Limit - Claims Limit Per Incident Hire Car Limit Days Claims Limit Per Year Accommodation Total ( ) Drainage Costs Excess Cleaning Flushing Costs NCD Affected Repair Costs 24 Hour Claims Line Replacement Part Costs Cooling Off Period Basis Replacement Parts Type Cancellation Return Transportation Car 6

7 2016 Rating criteria Motor Key Cover Initial Exclusion Period Garage Keys Cover - Other Private Car Duplicate Keys Exclusion Cover - Other Vehicle Keys Broken in Lock Cover Policyholder Keys Locked in Property Cover - Spouse or Partner Vehicle Hire Distance Cover - Named Drivers Vehicle Hire per Day Cover - Family Members Vehicle Hire Maximum Territorial Limits Max Hire Vehicle Size Max Claims Per Year Onward Transport Limit Limit Per Claim Loss Vehicle Transportation Limit Per Claim Theft Vehicle Delivery Loss Wait Period NCD Affected Claims Basis Loss of Key Excess Locksmith Charges Theft of Key Excess Lock Replacement Notify Police Theft Max Keys Per Lock Notify Police Loss Immobiliser Replacement Claim Notification (days) Any Key Co-Insurance Clause Fob Connected Keys Cooling Off Period-Basis Car Keys Cancellation Return House Keys 7

8 2016 Rating criteria Motor Personal Accident Max Age Claimant Loss of Speech ( ) Cover - Spouse or Partner Perm Total Disable ( ) Cover - Named Drivers PTD Wait Period (Weeks) Cover - Children PTD Occupation Basis Cover Passengers Loss of Hand ( ) Cover - Other Private Car Loss of Foot ( ) Cover - Other Vehicle Fracture - Arm ( ) Injury Period (months) Fracture - Leg ( ) At Fault Difference Burns - Third Degree ( ) Claim Limit - Person ( ) Hospital Benefit Day ( ) Death - Adult ( ) Hospital Benefit Days Death - Child ( ) Physiotherapy ( ) Loss of Limb - Extent Alcohol Exclusion - All Loss of Limb - One ( ) Claims From Assault Loss of Limb - Two ( ) Cooling Off Period Basis Loss of Sight - 1 Eye ( ) Cancellation Return Loss of Sight - Total ( ) NCD Affected Loss of Hearing - One ( ) Pre Existing Clause Loss of Hearing ( ) 8

9 2016 Rating criteria Total Loss Courtesy Car Cover Initial Exclusion Period Total Loss Car Period (TPF&T) Road Traffic Accident Delivery Time Restriction Accidental Damage Total Loss Courtesy Car Theft Fire Damage Total Loss Courtesy Car Beyond Economical Repair Theft (Attempted) Total Loss Settlement Theft (Unrecovered) Collection & Delivery Charges Malicious Damage Hire Car Card/Deposit Vandalism Damage Courtesy Fuel Contribution Flood Damage Doc Required Car Hire Storm Damage Add Terms & Conditions - Car Hire Claims Basis Insurance Cover Claims Reporting Period (Total Loss) Territorial Limits Claims Reporting Period (Unrecovered Theft) Driving Restrictions Like for Like Car Policy Claims Limit Alternative Travel Costs (Daily) Option to extend hire Alternative Travel Costs (Maximum) Cooling Off Period - Basis Total Loss Car Period (Comprehensive) Cancellation Return 9

10 2016 Rating criteria Home Legal Expenses Insured Temporarily Away Tenancy Disputes Property Other Home Sale & Purchase Cover Provided EU Employment - Employee Cover Provided Worldwide Employment Status - Eligibility Indemnity Limit Per Claim Employment As Employer Maximum number of claims permitted per year Employment Defence of Discrimination Claims Indemnity Limit Per Year Employment Defence of Prosecution Legal Representative Choice from notification Employment Exclusion Period Review of Prospects Legal Defence (excluding as Employee) Cover for Appeals Pleas in Mitigation Death/Personal injury Detention whilst abroad ( ) Clinical Negligence Probate Defend Contract Disputes Pursue Probate Contest Contract Disputes Defend Taxation - Full Enquiry Contract Disputes Exclusion Period Taxation Aspect Enquiry Contract Disputes - Minimum Claim Amount ID Theft Reinstatement of Credit Rating Contract Disputes - Excess ID Theft Loan rejection/administration fees Building Contracts Maximum value Jury Service Insurance Disputes Repudiated Claims Court Attendance Expenses Property Damage School Admission Disputes Property Damage- Exclusion Period Online Document Service Property Damage Minimum Claim Amount Discounted Legal Services Property Damage Excess Mediation Service Nuisance & Trespass cover Helpline 24 Hour Legal Advice Nuisance & Trespass Exclusion Period Number of additional Helplines Boundary Disputes Claim Notification Period Boundary Disputes Exclusion Period Cooling-off Period basis Planning Disputes Cancellation Return 10

2015 Star Ratings Commercial Vehicle Insurance Discussion paper

2015 Star Ratings Commercial Vehicle Insurance Discussion paper 2015 Star Ratings Commercial Vehicle Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2016 Star Ratings Home Emergency Cover Discussion paper

2016 Star Ratings Home Emergency Cover Discussion paper 2016 Star Ratings Home Emergency Cover Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2016 Star Ratings Motor Fleet Insurance Discussion paper

2016 Star Ratings Motor Fleet Insurance Discussion paper 2016 Star Ratings Motor Fleet Insurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2015 Star Ratings Motorbike Insurance Discussion Paper

2015 Star Ratings Motorbike Insurance Discussion Paper 2015 Star Ratings Motorbike Insurance Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

2015 Star Ratings. Car Insurance. Discussion paper

2015 Star Ratings. Car Insurance. Discussion paper 2015 Star Ratings Car Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

2015 Star Ratings Motor Fleet Insurance Discussion Paper

2015 Star Ratings Motor Fleet Insurance Discussion Paper 2015 Star Ratings Motor Fleet Insurance Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

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

www.saffroninsurance.co.uk Motor claims assistance When things don t go to plan, we go to work.

www.saffroninsurance.co.uk Motor claims assistance When things don t go to plan, we go to work. www.saffroninsurance.co.uk Motor claims assistance When things don t go to plan, we go to work. Motor claims assistance In the event of a claim, experienced specialists are on hand to ensure that your

More information

Motor Legal Care Terms and Conditions

Motor Legal Care Terms and Conditions 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

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile phone 0800 404 6016*(24 hours) Policy Changes 0844 800 0463 Quotes and Renewals

More information

2015 Star Ratings Boiler Breakdown Cover Discussion paper

2015 Star Ratings Boiler Breakdown Cover Discussion paper 2015 Star Ratings Boiler Breakdown Cover Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

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

Car insurance policy summary. What if I want to cancel? Who provides the cover? Types of cover. Complaints. Making a claim. 1 of 6

Car insurance policy summary. What if I want to cancel? Who provides the cover? Types of cover. Complaints. Making a claim. 1 of 6 Car insurance policy summary The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the contract between us. For full details

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

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

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

An insurance package suitable for small to medium sized businesses in the construction industry with a:-

An insurance package suitable for small to medium sized businesses in the construction industry with a:- Contractors Choice Summary of Cover An insurance package suitable for small to medium sized businesses in the construction industry with a:- Turnover up to 1.5m at new business and 2m at renewal Maximum

More information

Private Vehicle Motor Insurance Key Facts

Private Vehicle Motor Insurance Key Facts Private Vehicle Motor Insurance Key Facts 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

More information

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Office Insurance Summary of Cover September 201 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices

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

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

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

Drivology Car Insurance - Policy Summary

Drivology Car Insurance - Policy Summary Drivology Car Insurance - Policy Summary Your Policy Key Facts May 2016 edition Drivology Car Insurance - Policy Summary This policy summary does not contain full details and conditions of your insurance

More information

Independent Living Insurance. Policy Summary

Independent Living Insurance. Policy Summary Independent Living Insurance Policy Summary Independent Living Insurance This summary does not contain the full terms and conditions of your policy. Please refer to your policy document for the full terms

More information

Motor Fleet. Aon Risk Solutions. Description of Cover. Cover. Driving. Limitation of Use. Excess. National. Insured

Motor Fleet. Aon Risk Solutions. Description of Cover. Cover. Driving. Limitation of Use. Excess. National. Insured Aon Risk Solutions National Motor Fleet Insured The University of Greenwich Period of Insurance 1 August 2015 to 1 August 2016 Policy No / Form Reference Insurer BV/21705066 Allianz Insurance plc This

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

Your car insurance policy Features and benefits

Your car insurance policy Features and benefits Your car insurance policy Features and benefits FBD Insurance plc, trading as Clan Insurance, is regulated by the Central Bank of Ireland PMV Clan FAB 2015 02 V1.0 Welcome to Clan Insurance. Our car insurance

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions Important Numbers Claims and Accident Helpline 0330 100 3123 (24 hours) Glass Helpline 0844 248 7065 (24 hours) Policy Changes 0330 100 3161 Quotes and Renewals 0800 980 1693

More information

MOTOR FLEET INSURANCE

MOTOR FLEET INSURANCE MOTOR FLEET INSURANCE Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

2015 Star Ratings Business Insurance Discussion paper

2015 Star Ratings Business Insurance Discussion paper 2015 Star Ratings Business Insurance Discussion paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

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

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

FLEETSHIELD. Policy Summary

FLEETSHIELD. Policy Summary FLEETSHIELD Policy Summary FleetShield Policy Summary FleetShield Policy Summary Your Tower Insurance FleetShield Policy is an annual contract which may be renewed each year subject to your needs and our

More information

The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less.

The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. TRADESMEN Summary of Cover The Tradesmen policy is available for self employed persons and small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Tradesmen policy? Tailor-made

More information

Motor Policy. Helpful information if you need to alter your motor insurance. Contents. Definitions

Motor Policy. Helpful information if you need to alter your motor insurance. Contents. Definitions Motor Policy if you need to alter your motor insurance Change of car Please notify Endsleigh before or on the date cover is required if You change Your Car, including details of any security system fitted

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

2016 Star Ratings Landlord Home Insurance Discussion paper

2016 Star Ratings Landlord Home Insurance Discussion paper 2016 Star Ratings Landlord Home Insurance Discussion paper Defaqto Limited 2015. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical,

More information

OPTIMA TRADE PLUS SUMMARY OF COVER

OPTIMA TRADE PLUS SUMMARY OF COVER ABC OPTIMA TRADE PLUS SUMMARY OF COVER This document provides a guide to the cover provided. It is however only a summary of the terms of cover and does not contain full details of the insurance policy

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

Kindertons products and services

Kindertons products and services Kindertons products and services Motor Legal Expenses Insurance In the event of being involved in an accident that is not the policyholders fault, there are certain losses that may be incurred which are

More information

Motor Fleet Insurance

Motor Fleet Insurance Motor Fleet Insurance Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

Say hello to your home insurance for foster carers policy summary

Say hello to your home insurance for foster carers policy summary Say hello to your home insurance for foster carers policy summary At Towergate Insurance, we ve been providing high quality insurance to caring professionals since 1907 1 2 Welcome to your Home Insurance

More information

Age UK Car Insurance Policy Summary

Age UK Car Insurance Policy Summary Age UK Car Insurance Policy Summary What is the Car Policy Summary? This is a summary of cover available under Age UK Car Insurance. It outlines the main benefits and exclusions of the policy cover and

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

Your summary of cover. Saga Motor Insurance

Your summary of cover. Saga Motor Insurance Your summary of cover Saga Motor Insurance Contents Your introduction to Saga Motor Insurance 3 A quick guide to the cover we include 4-5 A few key things we don t cover 6 Additional cover options you

More information

DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on

DASDRIVE ULTIMATE LEGAL PROTECTION KEY FACTS BROCHURE. Act quickly after an accident and call us now on 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

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

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

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part of the contract between

More information

DRIVING WITH CONFIDENCE

DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 1 DRIVING WITH CONFIDENCE MAKING SENSE OF CAR INSURANCE 2007 1 MAKING SENSE OF CAR INSURANCE MAKING SENSE OF CAR INSURANCE 2 WHY IT IS IMPORTANT TO HAVE INSURANCE If you cause

More information

PROTECTING THOSE WHO PROTECT THE PUBLIC WELCOME TO THE NCOA MEMBERSHIP BENEFITS

PROTECTING THOSE WHO PROTECT THE PUBLIC WELCOME TO THE NCOA MEMBERSHIP BENEFITS PROTECTING THOSE WHO PROTECT THE PUBLIC WELCOME TO THE NCOA MEMBERSHIP BENEFITS november 2015 Contents 02 Standard Membership Package 03 UK and European Motor Breakdown Cover 04 05 Red Arc Assured 06 07

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

Legal Expenses Insurance Policy

Legal Expenses Insurance Policy Legal Expenses Insurance Policy Some important facts about the Legal Expenses policy are summarised below. This summary does not describe all of the terms and conditions of the policy, so please take time

More information

Motor insurance Introduction

Motor insurance Introduction Motor insurance Introduction This is an introductory guide to provide you with a better understanding of what motor insurance is and what you must know when buying motor insurance policies and making claims.

More information

Summary of Cover September 2013 Edition

Summary of Cover September 2013 Edition Surgeries Insurance Policy Summary Surgeries Insurance Summary of Cover September 201 Edition An insurance package for doctors, dentists and vets. Why choose AXA s Surgeries Insurance Package? AXA s Surgeries

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

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 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

Your summary of cover Direct Choice Car Insurance

Your summary of cover Direct Choice Car Insurance Your summary of cover Direct Choice Car Insurance Contents Your introduction to Direct Choice Car Insurance 3 A quick guide to the cover we include 4-5 A few key things we don t cover 6 Additional cover

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Summary Private Car Summary Welcome to drive like a girl Thank you for choosing drive like a girl which is a trading style of Insure The Box Limited. This is a summary of cover provided by

More information

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc.

An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. OFFICE INSURANCE Summary of Cover June 2005 Edition An Insurance package suitable for businesses in the professional services industry for example solicitors, accountants etc. Why choose AXA s Offices

More information

Your car insurance policy Features and benefits PMV FAB 2013 12 V1.0. FBD Insurance plc is regulated by the Central Bank of Ireland

Your car insurance policy Features and benefits PMV FAB 2013 12 V1.0. FBD Insurance plc is regulated by the Central Bank of Ireland Your car insurance policy Features and benefits PMV FAB 2013 12 V1.0 FBD Insurance plc is regulated by the Central Bank of Ireland FBD has over 40 years insurance experience and today we are one of Ireland

More information

Car insurance is a legal requirement for all drivers, so if you're on the road, you'll have to get yourself covered.

Car insurance is a legal requirement for all drivers, so if you're on the road, you'll have to get yourself covered. Whether you ve just bought your first car or want to reduce your existing car insurance quote, there are a few things that you'll need to know in order to get the best deal. Car insurance is a legal requirement

More information

Car insurance policy summary. Making a claim. Who provides the cover? Types and duration of cover. What if I want to cancel?

Car insurance policy summary. Making a claim. Who provides the cover? Types and duration of cover. What if I want to cancel? Car insurance policy summary Key facts The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the contract between us. For full

More information

Optima Car Insurance. Policy Summary

Optima Car Insurance. Policy Summary Optima Car Insurance Policy Summary This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part

More information

Tradesman Essential Per Capita Liability Insurance Summary of Cover

Tradesman Essential Per Capita Liability Insurance Summary of Cover Tradesman Essential Per Capita Liability Insurance www.towergate.co.uk This leaflet provides a summary of the significant features, benefits and limitations of the cover provided by your Tradesman Essentials

More information

Includes office contents, furniture, fixtures, teaching and other equipment

Includes office contents, furniture, fixtures, teaching and other equipment This summary is intended as a simple guide to explain the main types (or classes) of insurance cover available to academies. We have included brief descriptions of the cover together with suggestions about

More information

Drive. Policy Summary

Drive. Policy Summary 1 Drive Policy Summary Drive Policy Summary Drive 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.

More information

Home insurance. A summary of your cover

Home insurance. A summary of your cover Home insurance A summary of your cover A summary of your cover Please read this document carefully. Full terms and conditions can be found within your policy documents. This summary does not form part

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

Independent consumer guide to motor insurance

Independent consumer guide to motor insurance Independent consumer guide to motor insurance Who we are and what we do We regulate financial services firms in Ireland including banks, building societies, insurance companies, brokers, moneylenders,

More information

The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less.

The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less. PROFESSIONALS Summary of Cover The Professionals policy is available for small businesses with up to 8 people and a turnover of 500,000 or less. Why choose AXA s Professionals policy? Tailor-made for your

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

SGIO Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide WA

SGIO Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide WA 1 SGIO Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide WA This SGIO Comprehensive Plus Motor Insurance Premium, Excess, Discounts and Helpline Benefits Guide should

More information

Demands and Needs Statement

Demands and Needs Statement Hire Car Cover 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

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

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

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

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

Motor Summary of cover and policy benefits. Zurich Private Clients

Motor Summary of cover and policy benefits. Zurich Private Clients Motor Summary of cover and policy benefits Zurich Private Clients About Zurich Private Clients Quality cover and service Our motor insurance policy provides exceptional cover with the highest level of

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

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

Bright Home Insurance Policy Summary

Bright Home Insurance Policy Summary Bright Home Insurance Policy Summary 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 important that

More information

Car Insurance. Our Policy is You

Car Insurance. Our Policy is You Car Insurance Our Policy is You 1 5 Good Reasons to Insure with FBD 1 Save money Call us for a quote that includes excellent value, special rates and discounts across all policies. 2 Excellent cover FBD

More information

Private Car Insurance

Private Car Insurance 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

More information

Optima Plus Car Insurance

Optima Plus Car Insurance Optima Plus Car Insurance Policy Summary This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details 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

HSBC Private Car Insurance. Summary of cover

HSBC Private Car Insurance. Summary of cover HSBC Private Car Insurance Summary of cover 2 HSBC Private Car Insurance This is a generic summary of cover and does not contain the full terms and conditions of the cover which can be found in the policy

More information

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

Octagon Insurance Legal Expenses Policy

Octagon Insurance Legal Expenses Policy Octagon Insurance Legal Expenses Policy This insurance has been arranged and is administered by Carpenters Solicitors. It is underwritten by Inter Partner Assistance S.A, and managed on their behalf by

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

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

Fleet Legal Guard. Policy Wording

Fleet Legal Guard. Policy Wording 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

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

Optima private car insurance

Optima private car insurance abc Optima private car insurance This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

2015 Star Ratings. Current Accounts. Discussion Paper

2015 Star Ratings. Current Accounts. Discussion Paper 2015 Star Ratings Current Accounts Discussion Paper Defaqto Limited 2014. All rights reserved. No parts of this publication may be reproduced in any form by any means, whether electronic, mechanical, optical

More information

Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32

Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32 Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE 60958_453131A_BRO.indd 1 2/12/08 16:45:32 60958_453131A_BRO.indd 2 2/12/08 16:45:38 7 Days Free Driveaway with

More information

GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX

GAUNTLET MOTOR CLAIM FREQUENTLY ASKED QUESTIONS INDEX 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?

More information