AA Van Insurance policy booklet. AA Van Insurance

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "AA Van Insurance policy booklet. AA Van Insurance"

Transcription

1 AA Va Isurace policy booklet AA Va Isurace

2

3 A guide to your policy booklet Page Defiitios 2-3 Isurace services Itroductio to your Va Isurace cover 4 If you eed to make a claim 5 If you eed to complai 6 What you eed to tell AAIS 7 Summary of cover 8 Sectio A: Damage to the vehicle 9-10 Sectio B: Broke widscree ad widows 10 Sectio C: Fire ad Theft Sectio D: Persoal accidet 12 Sectio E: Medical expeses 13 Sectio F: Persoal belogigs 13 Sectio G: Liabilities to third parties Sectio H: Usig your vehicle abroad 16 Sectio I: No claim discout 17 Sectio J: Optioal o claim discout protectio 17 Sectio K: Replacemet locks 18 Sectio L: Courtesy vehicle 18 Geeral exclusios 19 Geeral coditios Certai words have specific meaigs i relatio to your policy. To help You idetify these we ve prited them i bold italics i your policy details. 1

4 Defiitios Certai words have specific meaigs wherever they appear i the followig pages of your Va Isurace policy. To help you idetify these we ve prited them i bold italics. AAIS Certificate of Motor Isurace Edorsemet Excess Geographical limits Dagerous goods Fire Iexperieced Isurer Market Value No Claim Discout Period of Isurace Reveue weight Automobile Associatio Isurace Services Limited The documet headed Certificate of Motor Isurace which provides evidece of the existece of motor isurace as required by law. The Certificate of Motor Isurace shows, amogst other thigs: what Vehicle is covered; who is allowed to drive the Vehicle; ad what the Vehicle ca be used for. A alteratio to the wordig of the Isurace Documet otig a chage i the terms or the details of the isurace cotract. The part of a claim You must pay, the amout of which is show o Your Schedule. Great Britai, Norther Irelad, the Isle of Ma ad the Chael Islads, icludig trasit by sea, air ad lad withi ad betwee those places. Dagerous goods meas those detailed i: The carriage of dagerous goods ad use of trasportable pressure equipmet regulatios 2007 ad the Europea agreemet cocerig the iteratioal carriage of dagerous goods by road (ADR) or both as ameded or replaced from time to time. Fire, lightig or explosio. A driver who holds a provisioal drivig licece or who has held a full Uited Kigdom drivig licece for less tha 12 moths. The Isurace Compay or Uderwriters at Lloyd s as specified i the Statemet of Isurace, the Schedule, Policy Summary ad the Certificate of Motor Isurace o whose behalf this Isurace Documet is issued. The cost of replacig the Vehicle with oe of a similar age, type, mileage ad coditio, at the date of the accidet or loss. The reductio allowed i Your premium if a claim has ot bee made or arise durig the previous period(s) of isurace. The effective dates of cover provided by this policy which are displayed o Your Certificate of Motor Isurace ad Schedule. The Reveue Weight is show o Your UK registratio certificate (V5C). 2

5 Defiitios cotiued Schedule Statemet of Isurace Terrorism The latest Schedule issued to You. This forms part of the cotract of isurace. It gives details of the sectios of the policy which apply, the premium You have to pay, the Vehicle which is isured ad details of ay Excess or Edorsemets. The form that shows the iformatio You gave to AAIS, icludig iformatio give o Your behalf ad verbal iformatio You gave. (i) ay act icludig but ot limited to (a) the preparatio, use or threat of force ad/or violece ad/or (b) harm or damage to life or to property (or the threat of such harm or damage) icludig but ot limited to harm or damage by uclear ad/or chemical ad/or biological ad/or radiological meas caused or occasioed by ay perso(s) or group(s) of persos or so claimed i whole or i part for political, religious, ideological or similar purposes ad/or the itetio to ifluece, itimidate or coerce ay Govermet ad/or ay itetio to disrupt ay segmet of the ecoomy. (ii) ay actio take i cotrollig, prevetig, suppressig or i ay way relatig to (i) above. (iii) ay act deemed by the Govermet to be a act of terrorism. The Road Traffic Act The Road Traffic Act 1988 as ameded by The Road Traffic Act Theft Trailer Vehicle You/Your Theft or attempted theft which shall iclude the offece of takig a motor vehicle or other coveyace without authority as defied i Sectio 12 of the Theft Act Ay drawbar trailer or semi-trailer. Ay Motor vehicle You have give details of ad whose registratio umber is show o Your curret Certificate of Motor Isurace. Accessories ad spare parts are icluded i the defiitio of the Vehicle whe they are i or o the Vehicle or locked i Your ow garage. The perso or compay show uder Policyholder details or Isured details i the Schedule ad the Certificate of Motor Isurace. 3

6 AA Isurace Services Itroductio to your Va Isurace cover Isurace has bee effected betwee a isurace compay or certai uderwriters at Lloyd s (the Isurer ) ad You the isured. The ame of the Isurer ca be foud i the Statemet of Isurace, the Schedule, Policy Summary ad the Certificate of Motor Isurace. Iformatio ad statemets provided by You have bee relied upo by the Isurer i eterig ito this isurace. Such iformatio ad statemets together with this Policy Documet, the Statemet of Isurace, the Schedule, Certificate of Motor Isurace ad ay Edorsemets (show o the Schedule) must be read as a whole as they costitute the legally bidig cotract of isurace betwee You ad the Isurer. The Isurer has agreed to isure You subject to the terms, coditios ad exclusios cotaied i or edorsed upo this Policy Documet agaist such liability loss or damage that may occur durig ay period of isurace for which You have paid or agreed to pay the premium as is directly sustaied i coectio with the Vehicle. For Lloyd s Policies: I order that these documets may be siged ad issued as evidece of the isurace, the Isurer has etered ito a writte bidig authority cotract, which empowers a authorised Director of Automobile Associatio Isurace Services Limited to sig ad issue this Policy o behalf of Lloyd s uderwriters. For ad o behalf of the Isurer Adrew Strog Chief Executive Automobile Associatio Isurace Services Limited 4

7 If you eed to make a claim If you eed to claim Claimlie First check Your policy ad isurace certificate carefully to make sure that Your claim is valid. Please also read the policy coditios. The phoe the AAIS claimlie as soo as possible. They will tell You what you eed to do ext. You may be required to fill i a claim form. If so, fill it i fully ad sed it to the address o the claim form as soo as You ca. Please remember to eclose all of the iformatio ad documets You have bee asked for hours a day, 365 days a year. 5

8 If you eed to complai If you eed to complai It is always AAIS ad Your Isurer s itetio to provide the best possible stadard of service however if somethig does go wrog, we d like to kow about it. We ll do our best to resolve it for You as quickly as possible ad the followig processes have bee arraged for Your coveiece. a) If Your complait is about AAIS There are several ways You ca cotact us. Phoe: Post: The Customer Care Uit AA Isurace Services PO Box 2AA Newcastle upo Tye NE99 2AA Fax: Textphoe: AAIS will ackowledge Your complait withi five workig days. If AAIS ca t respod fully the they will tell You who is dealig with it ad whe You will hear from them. They ll do their best to respod fully withi four weeks. If this is t possible, they ll tell You why ad whe You ca expect a full respose. b) If your complait is about Your authorised Isurer You eed to cotact them directly. It s best to write to the chief executive, ad the address will be o Your Certificate of Motor Isurace. AAIS are always o had to pass Your complait o to Your authorised isurer, ad also to chase them for a reply if You eed help. If You remai dissatisfied with the fial respose to Your complait with AAIS or Your Isurer, You ca cotact the Fiacial Ombudsma Service for help ad advice. Phoe: Post: Isurace Divisio Fiacial Ombudsma Service South Quay Plaza 183 Marsh Wall Lodo E14 9SR Please make sure you always quote your policy umber from your certificate of isurace. This complaits procedure does ot affect your statutory rights. This complaits procedure does ot affect your statutory rights. 6

9 What you eed to tell AAIS Chages You must tell AAIS about: You must tell AAIS straight away if aythig chages which might affect Your isurace. If You are ot sure whether it s importat tell AAIS just i case. Ay chages which You do t tell us about may mea that Your policy is void. AAIS eed to kow thigs like: Ay chage of drivers. Ayoe who drives the Vehicle receives a motorig covictio (icludig fixed pealty offeces). Ayoe who drives the Vehicle has a pedig prosecutio. Ayoe who drives the Vehicle has a o-motorig covictio. Ayoe who drives the Vehicle suffers from a medical coditio which requires otificatio to DVLA. You chage the purpose the Vehicle is used for. You, or ay driver, chage job or start a ew job. The Vehicle is chaged from the maufacturer s origial specificatio. You take the Vehicle abroad for more tha the maximum period show i the Schedule or outside the EU. You chage Your address or the address where You keep the Vehicle overight. The details i the Schedule chage. The Vehicle is ivolved i a accidet or a Fire, or someoe steals, damages or tries to break ito it. Ayoe who drives the Vehicle is ivolved i ay accidet or has a Vehicle damaged or stole. Ayoe who drives the Vehicle has had isurace refused or cacelled, or has had special terms imposed. You sell the Vehicle, chage the Vehicle or its registratio umber, or get aother Vehicle. Your Certificate of Motor Isurace specifies the isured Vehicle by its Vehicle registratio umber ad o cover applies to ay additioal or replacemet vehicle util a Certificate of Motor Isurace or a temporary cover ote bearig the vehicle registratio umber of the additioal or replacemet vehicle has bee issued to You. If You do ot tell AAIS ay of these thigs, Your policy may o loger be valid or the Isurer may ot pay a claim. The customer service umber you should rig:

10 Summary of cover See the Cover idicated i Your Statemet of Isurace, Schedule ad Policy Summary as these defie the cover provided to You uder this Policy Documet. sectio NAME Sectio A: Damage to the Vehicle Sectio B: Broke Widscree ad Widows Cover applicable Sectio C: Fire ad Theft Sectio D: Persoal Accidet Sectio E: Medical Expeses Sectio F: Persoal Belogigs Sectio G: Liabilities to Third Parties Sectio H: Usig your Vehicle Abroad Sectio I: Spaish Bail Bod Sectio J: No Claim Discout Sectio K: Optioal No Claim Discout Protectio (oly applies if show o Your Schedule) Sectio L: Replacemet Locks Sectio M: Courtesy Vehicle Comprehesive THIRD PARTY FIRE & THEFT Third party oly 8

11 Sectio A Damage to the vehicle What is covered by this Sectio The Isurer will pay for damage to the Vehicle by (at the Isurer s discretio) repairig or replacig or payig i cash the amout of the loss or damage. The maximum amout payable will be the Market Value of the Vehicle. I the evet the Isurer settles a claim by replacig or payig for the Vehicle, the damaged Vehicle will the at the Isurer s discretio become the property of the Isurer. If to the Isurer s kowledge the Vehicle belogs to someoe else or is the subject of a hire purchase or leasig agreemet the Isurer will make ay paymet for its total loss or destructio to its ower to the extet of their legal requiremet (whose receipt shall be a full ad fial discharge) rather tha to You. The Isurer use parts that have ot bee supplied by the origial maufacturer to repair the Vehicle. The Isurer will also cover the cost of replacig or repairig the maufacturer s fitted audio ad satellite avigatio equipmet up to the limit show i the Schedule. New Vehicle Replacemet The Isurer will ot pay more tha the Market Value of the Vehicle uless: the loss or damage happes before the Vehicle is a year old ad You are its first ad oly registered keeper; ad the cost of repair is valued by the Isurer at more tha 60% of the cost of buyig a idetical ew vehicle at the time of the loss or damage (based o the UK list price) ad icludig car tax ad VAT at the date the damage occurred. I these circumstaces, if You ask the Isurer to, the Isurer will replace the Vehicle (ad pay reasoable delivery charges) with a ew Vehicle of the same make, model ad specificatio. What is ot covered by this Sectio Excess the first amout of ay claim for damage to the Vehicle, as show i the Schedule. You must pay this amout for every icidet You claim for uder this sectio. Loss of or damage to the Vehicle caused by Fire or Theft. Loss of use of the Isured Vehicle or ay loss resultig from loss of use of the Isured Vehicle. Loss of or damage to tools of trade, persoal belogigs, documets or goods. Wear ad tear or depreciatio. Mechaical, electrical, electroic or malfuctio ad computer failures or breakdows or breakages. Damage to tyres caused by brakig, puctures, cuts or bursts ot as a direct result of the accidet. Costs of importig parts or accessories, storage costs caused by delays, where the parts or accessories are ot available from curret stock i the UK. Ay amout over the cost show i the maufacturer s UK latest price guide ad reasoable costs for fittig, if ay lost or damaged parts or accessories are ot available. Loss of or damage to phoe equipmet. The Vehicle losig value after, or because of, repairs. Loss of or damage to the Vehicle resultig from deceptio by a perso pretedig to be a buyer or actig o behalf of a buyer. The Vehicle beig cofiscated or destroyed by or uder order of ay govermet or public or local authority. Loss or damage to the Vehicle caused by a iappropriate type or grade of fuel beig used. 9

12 Damage to the vehicle (cotiued) What is covered by this Sectio The Isurer will oly do this if: The Isurer ca buy a Vehicle straight away i the UK; ad You have provided a copy of permissio from the hirepurchase compay (if this is how You bought the Vehicle ad You have ot fiished payig for it). What is ot covered by this Sectio That part of the cost of ay repair or replacemet which improves the Vehicle beyod the coditio before loss or damage occurred. 10 Accidet Recovery If your Vehicle ca ot be drive because of the loss or damage covered uder this policy. The Isurer will pay the reasoable cost of protectio ad takig the Isured Vehicle to the earest suitable Isurer or place of storage after such damage ad where appropriate returig it after repair to Your address as show i the Statemet of Isurace. Sectio B Broke widscree ad widows What is covered by this Sectio If the widscree or ay widow i the Vehicle is broke durig the Period of Isurace, the Isurer will pay the cost of repairig or replacig it. The Isurer will also pay for ay repair to the bodywork that has bee damaged by broke glass from the widscree or widows. A claim uder this sectio oly will ot affect Your o claim discout if this is the oly damage claimed for. What is ot covered by this Sectio Excess the first amout of ay claim if the glass is replaced rather tha repaired, as show i the Certificate of Motor Isurace ad/or policy Schedule. Loss of use of the Isured Vehicle or ay loss resultig from loss of use of the Isured Vehicle. Costs of importig parts or accessories, or storage costs caused by delays, where the parts or accessories are ot available from curret stock i the UK. Ay amout over the cost show i the maufacturer s UK latest price guide ad reasoable costs for fittig if ay lost or damaged parts or accessories are ot available.

13 Sectio C Fire ad Theft What is covered by this Sectio The Isurer will pay for loss of or damage to the Vehicle caused by Fire or Theft (at the Isurer s discretio) by repairig or replacig or payig i cash the amout of the loss or damage. The maximum amout payable will be the Market Value of the Vehicle at the time of the loss. I the evet that the Isurer settles a claim by replacig or payig for the Vehicle, the Isurer reserves the right to ow the salvage uless You wish to retai the salvage, provided You ad the Isurer ca agree a suitable deductio to be made from the claim paymet to take it s value ito accout. If to the Isurer s kowledge the Vehicle belogs to someoe else or is the subject of a hire purchase or leasig agreemet the Isurer will make ay paymet for its total loss or destructio to its ower to the extet of their legal requiremets (whose receipt shall be a full ad fial discharge) rather tha to You. The Isurer may at their optio use parts that have ot bee supplied by the origial maufacturer to repair the Vehicle. The Isurer will also cover the cost of replacig or repairig the vehicle s audio ad avigatio equipmet up to the limit show i the Schedule. New Vehicle Replacemet The Isurer will ot pay more tha the Market Value of the Vehicle uless: the loss or damage happes before the Vehicle is a year old ad You are its first ad oly registered keeper, ad the cost of repair is valued by the Isurer at more tha 60% of the cost of buyig a idetical ew vehicle at the time of the loss or damage (based o the UK list price) ad icludig car tax ad VAT at the date the damage occurred. I these circumstaces, if You ask the Isurer to, the Isurer will replace the Vehicle (ad pay reasoable delivery charges) with a ew Vehicle of the same make, model ad specificatio. What is ot covered by this Sectio Loss of or damage to the Vehicle arisig from Theft whe o-oe is i it, uless all its widows, doors, roof opeigs or hood are closed ad locked. All keys or devices eeded to lock the Vehicle are with You or the perso authorised to use the Vehicle. Excess The first amout of ay claim, as show i the Schedule. You must pay this amout for every icidet You claim for uder this sectio. Loss of use of the Isured Vehicle or ay loss resultig from loss of use of the Isured Vehicle. Wear ad tear or depreciatio. Mechaical, electrical, electroic ad computer failures, malfuctios or breakdows or breakages. Costs of importig parts or accessories, or storage costs caused by delays, where the parts or accessories are ot available from curret stock i the UK. Ay amout over the cost show i the maufacturer s UK latest price guide ad reasoable costs for fittig if ay lost or damaged parts or accessories are ot available. Loss of or damage to phoe equipmet. The Vehicle losig value after, or because of, repairs. Loss of or damage to the Vehicle resultig from deceptio by a perso pretedig to be a buyer or actig o behalf of a buyer. Loss of or damage to the Vehicle caused by a member of Your immediate family, a perso livig i Your home, employees or ex-employees takig the Vehicle without Your permissio. The Vehicle beig cofiscated or destroyed by or uder order of ay govermet or public or local authority. 11

14 Fire ad Theft (cotiued) What is covered by this Sectio The Isurer will oly do this if: the Isurer ca buy a Vehicle straight away i the UK ad You have provided a copy of permissio from the hirepurchase compay (if this is how You bought the Vehicle ad You have ot fiished payig for it). Sectio D Persoal accidet What is covered by this Sectio If You or Your husbad, wife or civil parter are aged uder 71 ad are accidetally killed or ijured while gettig ito, travellig i or gettig out of the Vehicle, the Isurer will pay the followig: For death 5,000. For total ad permaet loss of sight i oe eye 2,500. For total ad permaet loss (at or above the wrist or akle) of oe had or oe foot 2,500. The Isurer will oly pay these amouts if the oly cause of the death or ijury is a accidet ivolvig the Vehicle ad the death or loss happes withi three moths of the accidet. This cover also applies to ay passeger aged betwee 15 ad 70 who is gettig ito, travellig i or gettig out of the Vehicle (as log as there is a passeger seat for that perso). What is ot covered by this Sectio Loss from takig the Vehicle ad returig it to its legal ower. Loss or damage to the Vehicle caused by a iappropriate type or grade of fuel beig used. That part of the cost of ay repair or replacemet which improves the Vehicle beyod the coditio before loss or damage occurred. What is ot covered by this Sectio No cover is provided uder this sectio if the policy is held i the ame of a corporate orgaisatio, a compay or a firm. Death or ijury caused by suicide or attempted suicide, or itetioal self ijury or ijury arisig wholly or partly from atural disease or weakess i ay form. Death of or ijury to ay perso ot wearig a seat belt whe they have to by law. More tha 10,000 for ay oe accidet. More tha 5,000 to ay oe perso for ay oe accidet. If You, or Your husbad or wife, or civil parter hold ay other motor isurace, paymet will be made uder oe policy oly. 12

15 Sectio E Medical expeses What is covered by this Sectio If You or ayoe i the Vehicle is ijured i a accidet ivolvig the Vehicle, the Isurer will reimburse up to 100 i medical expeses for each ijured perso. Sectio F Persoal belogigs What is covered by this Sectio The Isurer will pay You or if You so wish the ower of such persoal belogigs for persoal belogigs i the Vehicle which are lost or damaged followig a accidet, a Fire or Theft ivolvig the Vehicle. The Isurer will pay the value of the persoal belogigs less a amout for wear ad tear ad loss of value. What is ot covered by this Sectio More tha 100 for each icidet. Loss of or damage to phoe equipmet. Moey, stamps, tickets, documets or securities (such as share or bod certificates). Loss or damage whe o-oe is i the Vehicle, uless all its widows, doors, roof opeigs or hood are closed ad locked. All keys or devices eeded to lock the Vehicle are with You or the perso authorised to use the Vehicle. Property isured uder ay other policy. 13

16 Sectio G Liabilities to third parties What is covered by this Sectio The Isurer will cover Your legal liability for the death of or ijury to ay perso. The Isurer will also cover Your legal liability for damage to other people s property up to the amout show i the Schedule followig: You usig the Vehicle. Goods fallig from the Vehicle. Loadig ad uloadig the Vehicle. Ay perso drivig the Vehicle with Your permissio (as log as your Certificate of Motor Isurace shows that he or she is allowed to drive the Vehicle). The perso drivig must ot be excluded from drivig the Vehicle by ay Edorsemet, exceptio or coditio. Ay perso usig (but ot drivig) the Vehicle, with Your permissio, for social, domestic ad pleasure purposes. Ay passeger i, gettig ito or gettig out of the Vehicle. Ay sigle trailer, trailer-carava or broke-dow vehicle while it is attached to the Vehicle ad if allowed by law. Whe the Isurers writte agreemet is obtaied beforehad the followig will also be paid: Solicitors fees for represetatio at ay coroer s iquest, fatal accidet iquiry or court of summary jurisdictio. reasoable legal costs for defedig a charge of maslaughter or causig death by dagerous or careless drivig caused by a accidet which might ivolve legal liability covered uder this policy. What is ot covered by this Sectio Ay amout the Isurer has ot agreed to i writig. Liability for death of or ijury to ay of Your employees durig the course of their work, eve if the death or ijury is caused by ayoe isured by this policy. However, the Isurer will provide the miimum cover eeded uder The Road Traffic Act. Loss of or damage to property owed by or i the care of the perso who is claimig cover uder this sectio. Ay loss of or damage to a vehicle, trailer, trailer-carava or broke-dow vehicle covered by this policy. Ay loss or damage caused while ay Vehicle is i a place used for aircraft takig off, ladig, parkig or movig, icludig the associated service roads, refuellig areas, groud equipmet parkig areas ad the parts of passeger termials of iteratioal airports which come withi the Customs examiatio area. However, the Isurer will provide the miimum cover eeded uder The Road Traffic Act. Ay amout over 250,000 for ay oe claim or series of claims arisig from oe evet that causes loss of or damage to property while the Vehicle is beig used to carry Dagerous Goods. Ay loss or damage caused by loadig or uloadig the Vehicle whe it is ot o a public road. Ay loss or damage caused by usig the Vehicle, or ay machiery attached to it, as a tool of trade. Loss of or damage to ay bridge, weighbridge, viaduct, road or surface which the Vehicle is beig drive o, or aythig uder the road surface, caused by vibratio or by the weight of the Vehicle or its load. 14

17 Sectio G Liabilities to third parties cotiued What is covered by this Sectio ay costs ad expeses for which Your employer or busiess parter is legally liable as a result of You usig the Vehicle for their busiess; ay other costs ad expeses for which the Isurer has give its writte permissio; ad emergecy treatmet charges set out i The Road Traffic Act. If the oly paymet the Isurer makes is for emergecy treatmet charges, this will ot affect Your o claim discout. If ayoe who is isured by this sectio dies while they are ivolved i legal actio, the Isurer will trasfer to that perso s estate the beefit of this isurace agaist ay liability covered by this sectio that the deceased may have icurred. What is ot covered by this Sectio Ay claim for pollutio or cotamiatio, uless it is caused by a sudde, idetifiable evet which was uiteded ad uexpected ad happeed at oe specific time ad place. Ay amout over 1,000,000 for oe pollutio or cotamiatio evet. Ay amout over the limit show i Your Schedule for ay oe claim or series of claims arisig from oe evet that causes loss of or damage to property. This limit icludes all costs, expeses ad idirect losses. Foreig proceedigs ay legal liability i respect of proceedigs brought or judgemet obtaied i ay court outside the Uited Kigdom uless such proceedigs are brought or judgemet obtaied i the court of a foreig coutry arisig out of the use of the Vehicle i that foreig coutry where the Isurer has agreed to exted this isurace to cover such foreig use. 15

18 Sectio H Usig your vehicle abroad What is covered by this Sectio The Isurer will provide the cover show o Your Schedule. Your Schedule will also show the maximum umber of days that this cover applies for i ay Period of Isurace while You are usig the Vehicle withi the Europea Uio ad ay other coutry which has agreed to follow Article 7(2) of the EU Directive o Isurace of Civil Liabilities arisig from the use of Motor vehicles (umber 72/166/EEC). The Isurer will also pay customs duty if the Vehicle is damaged ad the Isurer decide ot to retur it after a valid claim o the policy. The Isurer will oly provide the miimum legal cover of the coutry You are visitig if You exceed the maximum umber of days allowed by the Isurer as show o Your Schedule. 16

19 Sectio I No claim discout What is covered by this Sectio As log as You have ot made a claim durig the Period of Isurace immediately before Your reewal, the Isurer will iclude a discout i Your reewal premium i lie with the Isurer s curret No Claim Discout Scale applicable at reewal. You may ot trasfer this discout to ay other perso. Your o claim discout will ot be affected if the oly claims You make are for a broke widscree or widows uder sectio B, replacemet locks uder sectio L or emergecy treatmet charges uder sectio G ad icidets for which the Isurer obtais a full recovery of all paymets made. Sectio J Optioal o claim discout protectio What is covered by this Sectio You will ot lose ay of Your o-claim discout as log as: You do ot make more tha two claims i ay period of three years; ad You have paid ay extra premium the Isurer ask for. If You make a secod claim i ay three year period, this policy sectio will be removed. You may have to pay a higher premium or Excess if You make ay claims. 17

20 Sectio K Replacemet locks What is covered by this Sectio If the keys, lock trasmitter or etry card for a keyless etry system of the Vehicle are lost or stole, the Isurer will pay up to 250 towards the cost of replacig: all etry locks that ca be opeed by the missig item; the lock trasmitter, etry card ad cetral lockig system; ad the igitio ad steerig lock; as log as the Isurer is satisfied that ay perso who may have Your keys, trasmitter or card kows the idetity or garage address of the Vehicle. The Isurer will also pay the reasoable cost of protectig the Vehicle, trasportig it to the earest repairers whe ecessary ad deliverig it after repair to Your address. Your o-claim discout will ot be affected solely as a result of makig a claim uder this sectio. What is ot covered by this Sectio The Isurer will ot pay: ay claim where the keys, lock trasmitter or etry card are either: a) left i or o the Vehicle at the time of the loss; or b) take without Your permissio by a member of Your immediate family, a perso livig i Your home, a employee or a ex-employee. Sectio L Courtesy vehicle 18 What is covered by this Sectio A AA Comprehesive va isurace policy meas that followig a accidet, you will usually be provided with the use of aother Vehicle while Your Vehicle is udergoig repair, subject to Your repair beig carried out by Your Isurer-approved repairer. If Your Isurer istructs repairs to start a category A vehicle will be supplied if available durig the period of repairs. A courtesy vehicle is ot available i respect of total loss claims or where the Vehicle has bee stole ad urecovered, or for accidets outside of the UK.

21 Geeral exclusios This policy does ot isure the followig: 1. The Isurer will ot cover claims arisig from ay of the followig. a) The Vehicle beig drive by someoe who is ot described i Your Certificate of Motor Isurace as etitled to drive. b) The Vehicle beig drive, with Your permissio, by ayoe who You kow or after reasoable equiry should have kow does ot hold a drivig licece or is disqualified from drivig. However, the Isurer will still give cover if the perso used to hold a licece ad is still allowed to hold oe by law. c) The Vehicle beig drive by someoe who does ot meet all the coditios of their drivig licece. d) The Vehicle beig used for a purpose that is ot show as covered i Your Certificate of Motor Isurace. However, loss of or damage to the Vehicle is covered while the Vehicle is with a member of the Motor trade for servicig or repair. 2. If You receive ay paymet for givig people lifts i the Vehicle, the policy is ot valid if: a) the Vehicle is made or altered to carry more tha six people icludig the driver; b) You are carryig the passegers as part of a busiess of carryig passegers; or c) You are makig a profit from the paymets You receive. 3. The Isurer will ot pay for loss, damage, ijury or legal liability if it is caused directly or idirectly by the followig: a) Ioisig radiatio or radioactive cotamiatio from ay uclear fuel or ay uclear waste arisig from burig uclear fuel. b) The radioactive, poisoous, explosive or other dagerous properties of ay explosive uclear equipmet or part of that equipmet. c) Pressure waves caused by aircraft (ad other flyig objects) travellig at or above the speed of soud. d) Ivasio, war, revolutio or ay similar evet. e) Acts of Terrorism. However, the Isurer will provide the cover You eed to meet the requiremets uder the Road Traffic Act. 4. The Isurer will ot pay for ay loss, damage, ijury or legal liability arisig durig a earthquake, a riot or a civil disturbace occurrig outside Great Britai, the Isle of Ma or the Chael Islads, except uder sectio G. 5. The Isurer will ot pay for ay liability You accept uder a agreemet or cotract, uless You would have bee legally liable ayway. 6. Ay decisio or actio of a court which is ot i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads is ot covered by this policy uless the proceedigs are brought or judgemet is give i a foreig court because the Vehicle was used i that coutry ad the Isurer had agreed to cover it there. 7. The Isurer will ot cover claims arisig outside the geographical limits other tha as provided for i sectios H. 19

22 Geeral coditios (coverig all sectios) Claims Procedure Telephoe You (or Your legal represetative or ayoe claimig the beefit of this isurace) must sed the Isurer ay letter, claim, writ or summos as soo as You receive it. You must also let the Isurer kow straight away if You, ay perso claimig beefit of this isurace or Your legal advisers kow of ay prosecutio, iquest or fatal accidet iquiry that might be covered uder this policy. Dealig with claims You, Your legal represetative or ay other perso who claims uder this policy must ot egotiate, admit fault or make ay paymet, offer or promise of paymet uless You have the Isurers writte permissio. To recover ay amout the Isurer has paid the Isurer ca: egotiate, defed or settle ay claim ad choose the solicitor who will act for You i ay legal actio, ad take ay legal actio i Your ame or the ame of ay other perso covered by this policy The Isurer ca do ay of these i Your ame or i the ame of ay perso claimig uder this policy. Ayoe who makes a claim uder this policy must give the Isurer ay reasoable iformatio ad help the Isurer asks for. Compulsory isurace If the law of ay coutry says the Isurer must make a paymet that the Isurer would ot otherwise have paid, You or the perso who icurred the liability must repay this amout to the Isurer. Fiacial Services Compesatio Scheme (FSCS) Your Isurer is covered by the Fiacial Services Compesatio Scheme. You may be etitled to compesatio from the scheme if Your Isurer caot meet its obligatios. This depeds o the type of busiess ad the circumstaces of the claim. For claims agaist Isurers, you are covered for 90% of the claim, without ay upper limit. For compulsory isurace (eg third-party motor) the claim is covered i full, without ay upper limit. You ca lear more about this scheme at ad by phoig Other isurace If ay icidet that leads to a valid claim is covered uder ay other isurace policy, the Isurer will oly pay its share of the claim uless stated differetly elsewhere i this policy. 20

23 Geeral coditios (cotiued) Reasoable precautios Ayoe covered by this policy must take all reasoable steps they ca to protect the Vehicle, ad aythig i or attached to it, agaist loss or damage. (This icludes makig sure that the Vehicle has all its widows, doors, roof opeigs or hood closed ad locked. All keys or devices eeded to lock the Vehicle are with You or the perso authorised to use the Vehicle whe o-oe is i it.) The Vehicle must be kept i good workig order ad the Isurer may examie the Vehicle at ay time. Keepig to the terms of the policy The Isurer will oly pay claims if: ay perso claimig cover has met all the terms, coditios ad Edorsemets of the policy, as far as they apply, ad the declaratio ad iformatio give o the Statemet of Isurace which this cotract of isurace is based o is complete ad correct as far as You kow Fraud The Isurer will ot pay ay claim which is i ay part fraudulet or exaggerated, or if You, or ayoe actig for You, uses fraudulet methods to get beefits uder this policy. If You make a claim which is at all false or fraudulet, or support a claim with ay false or fraudulet statemet or documets, You will lose all beefit ad premiums You have paid for uder this policy. I additio we may recover ay sums paid by way of beefit uder this policy. If You frauduletly provided us with false iformatio, statemets, or documets we may record this o the ati-fraud databases, we may also otify other orgaisatios. Cacellatio Should You wish to cacel. If You eed to cacel Your policy cotact AAIS o or write to. The Customer Care Uit AA Isurace Services PO Box 2AA Newcastle upo Tye NE99 2AA. You have 14 days from the date You receive the policy or the date that You eter ito the cotract (whichever is later) to cacel the cover ad receive a refud (uless You have made a total loss claim). You must retur the Certificate of Motor Isurace to AAIS. Ay refud will be subject to a pro rata charge for the period of cover You have received ad ay fees due to AAIS as detailed i the About AAIS page which accompaies this booklet. After the above 14 day period, You ca cacel this policy by givig AAIS otice i writig ad returig the Certificate of Motor Isurace to AAIS. If You have ot made ay claims durig the curret Period of Isurace, the Isurer will refud part of Your premium for the remaiig time left o Your policy. If a claim has bee paid which resulted i the Isurer declarig the Vehicle a total loss, You must pay the full aual premium ad You will ot be etitled to ay refud. If a claim has bee paid by the Isurer that did ot result i the Vehicle beig declared a total loss, the Isurer will deduct the cost of ay paymets made i relatio to the claim (or claims) from ay premium refud. If the cost of the claim (or claims) is greater tha the aual premium, the Isurer will ot pay ay refud. 21

24 Geeral coditios (cotiued) Refuds will be paid et of ay fees due to AAIS as detailed i its terms of busiess. Istalmet default cacellatio If You are payig by istalmets You irrevocably authorise AAIS, as Your aget, at AAIS discretio to cacel this isurace followig ad i accordace with ay default otice set to You. You also irrevocably authorise AAIS to receive ay refud of premium ad apply it to pay or reduce ay sums owed icludig commissio paid by the Isurer to AAIS i relatio to this isurace. If there is ay residual balace of retur premium this will be paid to You. Please ote where a claim has arise uder this isurace ad the policy is cacelled i accordace with this paragraph, o refud will be available from the Isurer ad You must pay the outstadig sum i full to AAIS. You must also retur Your Certificate of Motor Isurace to AAIS. Cacellatio by Your Isurer or AAIS (excludig Istalmet defaults) The Isurer or AAIS ca cacel this policy by sedig You seve days otice to Your last kow address. You must the sed Your Certificate of Motor Isurace back to us ad the Isurer will refud a proportio of the premium for the remaiig period of isurace. Ay such cacellatio by You, the Isurer or AAIS shall ot affect the rights or liabilities before such cacellatio takes effect. The Cotracts (Rights of Third Parties) Act 1999 Save for the rights grated to AA Isurace Services uder this cotract ay perso or compay who is ot a party to this cotract does ot have ay rights they ca eforce uder this cotract by virtue of the Cotracts (Rights of Third Parties) Act 1999 except those they have by law. Law Applicable to cotract You ad the Isurer are free to choose the law applicable to this cotract but i the absece of agreemet to the cotrary, the law of the coutry i which You reside at the iceptio of the cotract (or, i the case of a busiess, the law of the coutry i which the registered office or pricipal place of busiess is situated) will apply. If You are ot residet (or i the case of a busiess, the registered office or pricipal place of busiess is ot situated) i Eglad or Wales, Scotlad, Norther Irelad, Chael Islads or the Isle of Ma the law which will apply is the law of Eglad ad Wales. Applicable Laguage The terms ad coditios ad all other iformatio cocerig this isurace are supplied i the Eglish laguage ad the Isurer ad AAIS udertake to commuicate i this laguage for the duratio of the policy. 22

25

26

27

28 Call to fid out more about: INS 3241 (01/2010) Isurace Car Isurace Motorcycle Isurace Classic Car Isurace Home Isurace Travel Isurace Busiess Isurace Life Isurace Pet Isurace Carava Isurace Holiday Home Isurace Persoal Ijury Claims Overseas Car Isurace Breakdow Breakdow Cover Europea Breakdow Cover Other Services Drivig School Maps, Guides ad Atlases Call or visit theaa.com You may cotact us usig Text Relay. Iformatio is also available i large prit, Braille ad audio o request. Please call for details. Automobile Associatio Isurace Services Limited is a isurace itermediary authorised ad regulated by the Fiacial Services Authority. Registered Office: Faum House, Basig View, Basigstoke, Hampshire RG21 4EA. Registered Number: Eglad ad Wales.

Document of car Insurance. Keep me somewhere safe. car Insurance

Document of car Insurance. Keep me somewhere safe. car Insurance Documet of car Isurace Keep me somewhere safe car Isurace Welcome to lv= frizzell Thak you for choosig to purchase a LV= Frizzell Isurace policy. Your LV= Frizzell policy is uderwritte by Liverpool Victoria

More information

summary of cover CONTRACT WORKS INSURANCE

summary of cover CONTRACT WORKS INSURANCE 1 SUMMARY OF COVER CONTRACT WORKS summary of cover CONTRACT WORKS INSURANCE This documet details the cover we ca provide for our commercial or church policyholders whe udertakig buildig or reovatio works.

More information

AXA Car Insurance. Your policy booklet August 2008 edition

AXA Car Insurance. Your policy booklet August 2008 edition AXA Car Isurace Your policy booklet August 2008 editio Welcome to AXA Welcome to the expertise ad quality of the AXA Group Respect With over 100 years experiece, AXA is a world leader i fiacial protectio

More information

Car Insurance. Policy document. Keep me safe

Car Insurance. Policy document. Keep me safe Car Isurace Policy documet Keep me safe WELCOME TO ABC INSURANCE Thak you for choosig to purchase a ABC Isurace policy. ABC Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool

More information

Repairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings

Repairs for your vehicle. A like for like hire car. Compensation for injury. Recovery of other losses, such as loss of earnings Repairs for your vehicle A like for like hire car Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim

More information

Document of van insurance. van Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of van insurance. van Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of va isurace va Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Welcome to Highway Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part

More information

Document of Fleet Insurance

Document of Fleet Insurance FLEET INSURANCE Documet of Fleet Isurace Cotets Welcome to LV= 2 Cotract of Motor Isurace 3 Policy Cover 4 Policy Defiitio of Terms 5 Sectios 1 Liability to Others: Third Party Cover 8 2 Fire ad Theft

More information

Document of van insurance. van Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of van insurance. van Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of va isurace va Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Welcome to Highway Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part

More information

Document of car insurance CAR. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of car insurance CAR. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of car isurace CAR Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Welcome to Highway Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is

More information

Keep me safe. Motorcycle Insurance. Policy document

Keep me safe. Motorcycle Insurance. Policy document Keep me safe Motorcycle Isurace Policy documet WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded

More information

Keep me safe. Van Insurance. Policy document

Keep me safe. Van Insurance. Policy document Keep me safe Va Isurace Policy documet WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843

More information

Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim

Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim Documet of motor trade isurace MOTOR TRADE Isurace A guide to your cover ad how to make a claim Welcome to LV= Thak you for choosig to purchase a LV= Isurace policy. Your policy is uderwritte by Highway

More information

Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe

Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim PRINTER FRIENDLY VERSION Keep me somewhere safe WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy.

More information

Repairs for your vehicle. Arranging a hire motorcycle. Compensation for injury. Recovery of other losses, such as loss of earnings

Repairs for your vehicle. Arranging a hire motorcycle. Compensation for injury. Recovery of other losses, such as loss of earnings Repairs for your vehicle Arragig a hire motorcycle Compesatio for ijury Recovery of other losses, such as loss of earigs Documet of motorcycle isurace motorcycle Isurace A guide to your cover ad how to

More information

Car Insurance. Policy document. Keep me safe

Car Insurance. Policy document. Keep me safe Car Isurace Policy documet Keep me safe WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843

More information

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE

summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE summary of cover FUNERAL DIRECTORS BUSINESS INSURANCE INSURANCE PROVIDED BY INSURANCE ARRANGED BY Cotets Itroductio 3 Property damage 4 Property damage plus 6 Equipmet breakdow 7 Busiess iterruptio 9 Liabilities

More information

PROPERTY OWNERS INSURANCE POLICY SUMMARY

PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY PROPERTY OWNERS INSURANCE POLICY SUMMARY This documet is a summary of your Policy ad other key iformatio about the isurace cover that you should read. It does ot

More information

Home Shield. Summary IN IRELAND

Home Shield. Summary IN IRELAND Home Shield Summary IN IRELAND Cotets Policy summary of cover 3 Home Isurace buildigs cover 4 Home Isurace cotets cover 6 Geeral iformatio 11 Security requiremets 11 What if I wat to cacel the policy?

More information

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3

summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Ireland Version 3 CHARITY INSURANCE SUMMARY OF COVER 1 summary of cover CHARITY INSURANCE FOR THE VOLUNTARY, COMMUNITY AND CHARITABLE SECTOR Republic of Irelad Versio 3 2 SUMMARY OF COVER CHARITY INSURANCE summary of cover

More information

Your summary of cover. Saga Motor Insurance

Your summary of cover. Saga Motor Insurance Your summary of cover Saga Motor Isurace Your itroductio to Saga Motor Isurace Cotets Your itroductio to Saga Motor Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal

More information

Document of Car Insurance

Document of Car Insurance Documet of Car Isurace Welcome to LV= We re delighted you ve chose us Thaks for buyig a LV= isurace policy. We re really pleased that you ve chose us for your car isurace eeds ad we re cofidet you ll be

More information

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares ISA for the tax year 20 /20 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form IFSL Brooks Macdoald Fud Stocks & Shares ISA Trasfer Applicatio Form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

procedure does not affect your right to take legal proceedings.

procedure does not affect your right to take legal proceedings. summary of cover CHARITY INSURANCE This isurace policy is desiged to meet the eeds of legally recogised charities or ot-for-profit orgaisatios operatig withi the Uited Kigdom. You ca choose the isurace

More information

For customers Key features of the Guaranteed Pension Annuity

For customers Key features of the Guaranteed Pension Annuity For customers Key features of the Guarateed Pesio Auity The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide whether

More information

Your summary of cover. Saga Motorhome Insurance

Your summary of cover. Saga Motorhome Insurance Your summary of cover Saga Motorhome Isurace Cotets Your itroductio to Saga Motorhome Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal cover optios you ca choose

More information

For customers Income protection the facts

For customers Income protection the facts For customers Icome protectio the facts We ve desiged this documet to give you more iformatio about our icome protectio beefits. It does t form part of ay cotract betwee you ad/or us. This iformatio refers

More information

Bajaj Allianz General Insurance Company Limited

Bajaj Allianz General Insurance Company Limited Bajaj Alliaz Geeral Isurace Compay Limited Regd. Office & Head Office : GE Plaza, Airport Road, Yerawada, Pue - 411 006. PROPOSAL FORM FOR OFFICE COVER Importat : This proposal for isurace will be the

More information

Information about Bankruptcy

Information about Bankruptcy Iformatio about Bakruptcy Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea Isolvecy Service of Irelad Seirbhís Dócmhaieachta a héirea What is the? The Isolvecy Service of Irelad () is a idepedet

More information

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place.

PENSION ANNUITY. Policy Conditions Document reference: PPAS1(7) This is an important document. Please keep it in a safe place. PENSION ANNUITY Policy Coditios Documet referece: PPAS1(7) This is a importat documet. Please keep it i a safe place. Pesio Auity Policy Coditios Welcome to LV=, ad thak you for choosig our Pesio Auity.

More information

Art & Private Client insurance policy SUMMARY OF COVER

Art & Private Client insurance policy SUMMARY OF COVER Art & Private Cliet isurace policy SUMMARY OF COVER 2 SUMMARY OF COVER DIOCESAN SCHOOLS LEGAL EXPENSES INSURANCE ART AND PRIVATE CLIENT POLICY SUMMARY SUMMARY OF COVER 3 Policy ref: ME773 1 07/16 What

More information

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice.

I apply to subscribe for a Stocks & Shares NISA for the tax year 2015/2016 and each subsequent year until further notice. IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form IFSL Brooks Macdoald Fud Stocks & Shares NISA trasfer applicatio form Please complete usig BLOCK CAPITALS ad retur the completed form

More information

summary of cover PROPERTY OWNERS INSURANCE Version 2

summary of cover PROPERTY OWNERS INSURANCE Version 2 summary of cover PROPERTY OWNERS INSURANCE Versio 2 Cotets Itroductio 3 Valuatio Service ad Iflatio Protectio Package 4 Property damage 5 Equipmet breakdow 7 Retal icome 8 Liabilities 10 Legal expeses

More information

Revised Special Terms & Conditions

Revised Special Terms & Conditions Call: 0191 505 0033* Lies are ope betwee 9am to 6pm Moday to Friday (excludig UK bak holidays) Email us: customerservice@highyieldaccout.co.uk** Write to us: High Yield Vaquis Bak, Freepost RSGY-CKJA-BKCS,

More information

Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6

Benefits of the Visa Business Card 3. Summary Box 4. Additional benefits for Visa Business Gold Cardholders 5. AA Breakdown 6 Visa Busiess Cards ALLIED IRISH BANK (GB) VISA BUSINESS CARDS The Allied Irish Bak (GB) Visa Busiess Card provides a simple ad highly effective way for your busiess to moitor ad cotrol routie expeses ad

More information

Current Year Income Assessment Form

Current Year Income Assessment Form Curret Year Icome Assessmet Form Academic Year 2015/16 Persoal details Perso 1 Your Customer Referece Number Your Customer Referece Number Name Name Date of birth Address / / Date of birth / / Address

More information

Amendments to employer debt Regulations

Amendments to employer debt Regulations March 2008 Pesios Legal Alert Amedmets to employer debt Regulatios The Govermet has at last issued Regulatios which will amed the law as to employer debts uder s75 Pesios Act 1995. The amedig Regulatios

More information

Eurostar cancellation and possessions insurance

Eurostar cancellation and possessions insurance Useful phoe umbers Premium refud requests (14 day cacellatio period) 08432 186186 (Policies bought with Eurostar ticket) 0871 200 2457 (Policies bought separately) Eurostar cacellatio ad possessios isurace

More information

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce

Part 387. Minimum Levels of Financial Responsibility for Motor Carriers. Interstate and Intrastate Commerce Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers Iterstate ad Itrastate Commerce 35 Part 387 Miimum Levels of Fiacial Resposibility for Motor Carriers (Iterstate ad Itrastate Commerce)

More information

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust?

Flexible Trust. (Settlor as trustee with optional survivorship clause) Your questions answered. What is a trust? What is a Flexible Trust? Flexible Trust (Settl as trustee with optioal survivship clause) Your questios aswered Uderstadig trusts ad their implicatios ca be pretty complicated. You should always get advice from your legal adviser

More information

Basic Current Account

Basic Current Account Curret Accouts Basic Curret Accout Applicatio form Please fill i the form usig BLOCK CAPITALS ad black ik. Tick ay boxes which apply. Satader is able to provide literature i alterative formats. The formats

More information

Document of Home Insurance. Keep me somewhere safe. Home Insurance

Document of Home Insurance. Keep me somewhere safe. Home Insurance Documet of Home Isurace Keep me somewhere safe Home Isurace SUMMARY OF POLICY LIMITS The followig is oly a summary of the mai policy limits. You should read the rest of this policy for the full terms ad

More information

RISK TRANSFER FOR DESIGN-BUILD TEAMS

RISK TRANSFER FOR DESIGN-BUILD TEAMS WILLIS CONSTRUCTION PRACTICE I-BEAM Jauary 2010 www.willis.com RISK TRANSFER FOR DESIGN-BUILD TEAMS Desig-builD work is icreasig each quarter. cosequetly, we are fieldig more iquiries from cliets regardig

More information

Savings and Retirement Benefits

Savings and Retirement Benefits 60 Baltimore Couty Public Schools offers you several ways to begi savig moey through payroll deductios. Defied Beefit Pesio Pla Tax Sheltered Auities ad Custodial Accouts Defied Beefit Pesio Pla Did you

More information

There s Wealth in Our Approach.

There s Wealth in Our Approach. Electroic Fud Trasfers/ Automated Clearig House Services There s Wealth i Our Approach. A divisio of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC. Electroic Fud Trasfers/Automated Clearig House Services

More information

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuities with Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auities with Death Beefits from Pacific Life 9/15 20188-15C FOR CALIFORNIA As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three

More information

BUY TO LET MORTGAGE APPLICATION FORM

BUY TO LET MORTGAGE APPLICATION FORM BUY TO LET MORTGAGE APPLICATION FORM STAGE 2 OF 2 Please submit Stage 2 form to upgrade to full applicatio oce customer has read ad accepted the Mortgage Illustratio. Please complete this page if form

More information

Best of security and convenience

Best of security and convenience Get More with Additioal Cardholders. Importat iformatio. Add a co-applicat or authorized user to your accout ad you ca take advatage of the followig beefits: RBC Royal Bak Visa Customer Service Cosolidate

More information

Get advice now. Are you worried about your mortgage? New edition

Get advice now. Are you worried about your mortgage? New edition New editio Jauary 2009 Are you worried about your mortgage? Get advice ow If you are strugglig to pay your mortgage, or you thik it will be difficult to pay more whe your fixed-rate deal eds, act ow to

More information

auction a guide to buying at Residential

auction a guide to buying at Residential Residetial a guide to buyig at auctio Allsop is the market leader for residetial ad commercial auctios i the UK Aually sells approximately 1 billio of property at auctio i the UK Holds at least seve residetial

More information

Health and dental coverage that begins when your group health benefits end

Health and dental coverage that begins when your group health benefits end Health ad detal coverage that begis whe your group health beefits ed Uderwritte by The Maufacturers Life Isurace Compay Page 1 of 5 FollowMeTM Health ca be your solutio. Life is full of chages. Some are

More information

Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term - 100 n Missed appointment fee - 30

Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term - 100 n Missed appointment fee - 30 Safe Driver Guide Additioal Charges The followig additioal charges may apply to your policy, please see Sectio 3 of your Safe Driver guide for a full descriptio of whe these amouts may be charged: Uit

More information

Property and Business Interruption Insurance Certificate INSURANCE FOR ACTIVITY PROVIDERS

Property and Business Interruption Insurance Certificate INSURANCE FOR ACTIVITY PROVIDERS Property ad Busiess Iterruptio Isurace Certificate INSURANCE FOR ACTIVITY PROVIDERS 2 CONTENTS Defiitios 5 Sectio 1 - Buildigs 6 Sectio 2 - Cotets 9 Sectio 3 - Busiess Iterruptio 13 Edorsemets 15 Geeral

More information

Handling. Collection Calls

Handling. Collection Calls Hadlig the Collectio Calls We do everythig we ca to stop collectio calls; however, i the early part of our represetatio, you ca expect some of these calls to cotiue. We uderstad that the first few moths

More information

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life

Enhance Your Financial Legacy Variable Annuity Death Benefits from Pacific Life Ehace Your Fiacial Legacy Variable Auity Death Beefits from Pacific Life 7/15 20172-15B As You Pla for Retiremet, Protect Your Loved Oes A Pacific Life variable auity ca offer three death beefits that

More information

Policy Wording. Underwritten by LV= Liverpool Victoria

Policy Wording. Underwritten by LV= Liverpool Victoria Policy Wordig Uderwritte by LV= Liverpool Victoria Welcome to LV= We re delighted you ve chose us Thaks for buyig a LV= isurace policy. We re really pleased that you ve chose us for your home isurace eeds

More information

Childcare Insurance. Summary and Guide. Unit 4, Broomhill Business Complex, Broomhill Road, Tallaght, Dublin 24 Tel: 01 4630010 / 4601138

Childcare Insurance. Summary and Guide. Unit 4, Broomhill Business Complex, Broomhill Road, Tallaght, Dublin 24 Tel: 01 4630010 / 4601138 Childcare Isurace Summary ad Guide Uit 4, Broomhill Busiess Complex, Broomhill Road, Tallaght, Dubli 24 Tel: 01 4630010 / 4601138 Childcare Isurace Summary ad Guide The growig umber of workig parets i

More information

The Vehicle Warranty Products Code

The Vehicle Warranty Products Code The Vehicle Warraty Products Code Applyig to warraty admiistrators govered by the Tradig Stadards Istitute-approved guidelies Cotets Itroductio 3 Defiitios 4 Advertisig What our promise meas to you 6 What

More information

Document of home insurance. Home Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe

Document of home insurance. Home Insurance. A guide to your cover and how to make a claim. Keep me somewhere safe Documet of home isurace Home Isurace A guide to your cover ad how to make a claim Keep me somewhere safe Cotets Page Welcome to ABC Isurace 2 Your ABC home isurace policy 3 Fraud prevetio ad detectio

More information

How to set up your GMC Online account

How to set up your GMC Online account How to set up your GMC Olie accout Mai title Itroductio GMC Olie is a secure part of our website that allows you to maage your registratio with us. Over 100,000 doctors already use GMC Olie. We wat every

More information

About our services and costs

About our services and costs About our services ad costs Cotets Whose products do we offer 2 Ivestmet 2 Isurace 2 Mortgages 2 Which services will we provide you with? 3 Ivestmet 3 Isurace 3 Mortgages 3 What will you have to pay us

More information

Useful phone numbers. If you would prefer these documents in large print, audio or Braille, please call us on 0871 200 2457.

Useful phone numbers. If you would prefer these documents in large print, audio or Braille, please call us on 0871 200 2457. Useful phoe umbers Premium refud requests (14 day cacellatio period) 03432 186 186 (Policies bought with Eurostar ticket) 0871 200 2457 (Policies bought separately) Customer services 0871 200 2457 24-hr

More information

Shareholder Information Brochure

Shareholder Information Brochure The Ivestor Service ad Automatic Divided Reivestmet Program for Shareholders of Johso & Johso Shareholder Iformatio Brochure The Program is sposored ad admiistered by Computershare Trust Compay, N.A.,

More information

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not

Settling Insurance Claims After a Disaster What you need to know about how to file a claim how the claim process works what s covered and what s not Settlig Isurace Claims After a Disaster What you eed to kow about how to file a claim how the claim process works what s covered ad what s ot First Steps Cotact your aget or compay immediately. Fid out

More information

Direct Online Mortgage application

Direct Online Mortgage application Virgi Moey plc Direct Olie Mortgage applicatio Welcome to Virgi Moey plc. Thak you for choosig a mortgage with us. I this applicatio form, refereces to we, us ad our are refereces to Virgi Moey plc ad

More information

Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection

Safe Driver Guide. Your Safe Driver unit Installation. Document Inspection Safe Driver Guide Additioal Charges The followig additioal charges may apply to your policy, please see the relevat guide below for a full descriptio of whe these amouts may be charged: Uit trasfer fee

More information

Document of Insurance. Keep me safe. Home Insurance

Document of Insurance. Keep me safe. Home Insurance Documet of Isurace Keep me safe Home Isurace Welcome to LV= We re delighted you ve chose us Thak you for buyig a LV= isurace policy. We re really pleased that you ve chose us for your home isurace eeds

More information

Computershare Investment Plan. Best Buy Co., Inc. Common Stock

Computershare Investment Plan. Best Buy Co., Inc. Common Stock Computershare Ivestmet Pla A Direct Stock Purchase ad Divided Reivestmet Pla for Best Buy Co., Ic. Commo Stock Best Buy Co., Ic. is listed o the New York Stock Exchage (Tradig Symbol BBY, CUSIP 086516101)

More information

For customers Whole of Life. Policy conditions. Pays a lump sum on death or diagnosis of a defined terminal illness.

For customers Whole of Life. Policy conditions. Pays a lump sum on death or diagnosis of a defined terminal illness. For customers Whole of Life Policy coditios Pays a lump sum o death or diagosis of a defied termial illess. Cotets Welcome to Aego 03 What we mea by you 03 Your cotract 03 Plai Eglish 03 Cotact us 03 1

More information

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs

Personal Retirement Savings Accounts (PRSAs) A consumer and employers guide to PRSAs Persoal Retiremet Savigs Accouts (PRSAs) A cosumer ad employers guide to PRSAs www.pesiosauthority.ie The Pesios Authority Verschoyle House 28/30 Lower Mout Street Dubli 2 Tel: (01) 613 1900 Locall: 1890

More information

Two people, one policy. Affordable long-term care coverage for both.

Two people, one policy. Affordable long-term care coverage for both. Log-term care rider, available o Natiowide YourLife No-Lapse Guaratee SUL II Feature guide LIFE INSURANCE + LONG-ERM CARE wo people, oe policy. Affordable log-term care coverage for both. NAIONWIDE LIFE

More information

For customers Key features of the Business Protection policy

For customers Key features of the Business Protection policy For customers Key features of the Busiess Protectio policy The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide

More information

MainStay Funds IRA/SEP/Roth IRA Distribution Form

MainStay Funds IRA/SEP/Roth IRA Distribution Form MaiStay Fuds IRA/SEP/Roth IRA Distributio Form Do ot use for IRA Trasfers or SIMPLE IRA INSTRUCTIONS Before completig this form, please refer to the applicable Custodial Agreemet ad Disclosure Statemet

More information

For customers Key features of the Personal Protection policy

For customers Key features of the Personal Protection policy For customers Key features of the Persoal Protectio policy The Fiacial Coduct Authority is a fiacial services regulator. It requires us, Aego, to give you this importat iformatio to help you to decide

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

How to use what you OWN to reduce what you OWE

How to use what you OWN to reduce what you OWE How to use what you OWN to reduce what you OWE Maulife Oe A Overview Most Caadias maage their fiaces by doig two thigs: 1. Depositig their icome ad other short-term assets ito chequig ad savigs accouts.

More information

Saga Home Insurance Premier Your Policy Booklet

Saga Home Insurance Premier Your Policy Booklet Saga Home Isurace Premier Your Policy Booklet Cotets All about Saga Home Isurace Welcome to Saga Home Isurace 3 Your cover at a glace 4 Coverig your home from top to bottom 6 Some other iformatio you eed

More information

Disability Income Insurance

Disability Income Insurance Disability Icome Isurace Admiistered by The Parters Group ad Member Compay Kerr Cruickshak Member Compay: Negotiated Limited Time Offer INDIVIDUAL DISABILITY COVERAGE PROGRAM HIGHLIGHTS: Discouted, Specialty,

More information

CHANGING CLAIMS-MADE INSURERS: IT S MORE THAN THE RETROACTIVE DATE

CHANGING CLAIMS-MADE INSURERS: IT S MORE THAN THE RETROACTIVE DATE HEALTH CARE PRACTICE CLAIMS-MADE ISSUES May 2010 www.willis.com CHANGING CLAIMS-MADE INSURERS: IT S MORE THAN THE RETROACTIVE DATE By Pamela K Haughawout, CPCU, ARM, RPLU Sadra Berkowitz, RN, JD Our cliets

More information

Sole trader financial statements

Sole trader financial statements 3 Sole trader fiacial statemets this chapter covers... I this chapter we look at preparig the year ed fiacial statemets of sole traders (that is, oe perso ruig their ow busiess). We preset the fiacial

More information

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address:

Financial. Services Guide. Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparation: 21/11/2005. Head Office Address: Fiacial Services Guide Adviser: Graeme Hood CD, Dip FP, CFP Date of Preparatio: 21/11/2005 Head Office Address: Fiacial Wisdom Limited (ABN 70 006 646 108) Australia Fiacial Services Licece No. 231138

More information

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY?

Investing in Stocks WHAT ARE THE DIFFERENT CLASSIFICATIONS OF STOCKS? WHY INVEST IN STOCKS? CAN YOU LOSE MONEY? Ivestig i Stocks Ivestig i Stocks Busiesses sell shares of stock to ivestors as a way to raise moey to fiace expasio, pay off debt ad provide operatig capital. Ecoomic coditios: Employmet, iflatio, ivetory

More information

Comparing Credit Card Finance Charges

Comparing Credit Card Finance Charges Comparig Credit Card Fiace Charges Comparig Credit Card Fiace Charges Decidig if a particular credit card is right for you ivolves uderstadig what it costs ad what it offers you i retur. To determie how

More information

Florida Governor Rick Scott Signs Senate Bill 408 Into Law

Florida Governor Rick Scott Signs Senate Bill 408 Into Law JUNE 2011 Florida Goveror Rick Scott Sigs Seate Bill 408 Ito Law Florida Goveror Rick Scott siged Seate Bill 408 (SB408) ito law o May 17, 2011. The legislative itet of SB408 is to reform the ustable property

More information

Holiday Park Holiday Home Ownership Code of Practice

Holiday Park Holiday Home Ownership Code of Practice The UK trade body for the tourer, motorhome, holiday home ad park home idustries www.thecc.org.uk Holiday Park Holiday Home Owership Code of Practice For the purchase ad sale of ew ad pre-owed Holiday

More information

France caters to innovative companies and offers the best research tax credit in Europe

France caters to innovative companies and offers the best research tax credit in Europe 1/5 The Frech Govermet has three objectives : > improve Frace s fiscal competitiveess > cosolidate R&D activities > make Frace a attractive coutry for iovatio Tax icetives have become a key elemet of public

More information

e-trader user guide Introduction

e-trader user guide Introduction User guide e-trader user guide Itroductio At UK Geeral our aim is to provide you with the best possible propositio for you ad your customers. We believe i offerig brokers a choice of how they trade with

More information

FM4 CREDIT AND BORROWING

FM4 CREDIT AND BORROWING FM4 CREDIT AND BORROWING Whe you purchase big ticket items such as cars, boats, televisios ad the like, retailers ad fiacial istitutios have various terms ad coditios that are implemeted for the cosumer

More information

FORM B(OTA) Application for registration as a British citizen - by: British overseas territories citizen British Overseas citizen British protected

FORM B(OTA) Application for registration as a British citizen - by: British overseas territories citizen British Overseas citizen British protected FORM B(OTA) Applicatio for registratio as a British citize - by: British overseas territories citize British Overseas citize British protected perso British subject (uder the British Natioality Act 1981)

More information

PAYG instalments how to complete your activity statement

PAYG instalments how to complete your activity statement Istructios for busiesses ad ivestors PAYG istalmets how to complete your activity statemet For more iformatio visit www.ato.gov.au NAT 7393-11.2012 Our commitmet to you We are committed to providig you

More information

Your guide to the Prepaid Funeral Plan 2016

Your guide to the Prepaid Funeral Plan 2016 Your guide to the Prepaid Fueral Pla 2016 I am ow i the happy positio of ot havig to worry, or ideed thik about, my fueral at all. I feel quite secure that my wishes will be followed while still leavig

More information

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B

PFF2 2015/16. Assessment of Financial Circumstances For parents and partners of students. /SFEngland. /SF_England SFE/PFF2/1516/B PFF2 2015/16 Assessmet of Fiacial Circumstaces For parets ad parters of studets SFE/PFF2/1516/B /SF_Eglad /SFEglad Who should complete this form? Complete this form if you are: The studet s atural or adoptive

More information

Consider these sobering statistics

Consider these sobering statistics Idetity Theft is a form of fraud or Idetity theft cotiues to icrease every year ad has impacted millios of Americas. cheatig of aother perso s idetity i which someoe preteds to be someoe else by assumig

More information

INCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS

INCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS INCOME PROTECTION POLICY CONDITIONS GUARANTEED PREMIUMS Documet referece: MIMIIP12G This is a imptat documet Please keep it i a safe place. Icome Protectio Guarateed Premiums Policy Coditios Welcome to

More information

CHAPTER 3 THE TIME VALUE OF MONEY

CHAPTER 3 THE TIME VALUE OF MONEY CHAPTER 3 THE TIME VALUE OF MONEY OVERVIEW A dollar i the had today is worth more tha a dollar to be received i the future because, if you had it ow, you could ivest that dollar ad ear iterest. Of all

More information

Voluntary Life and AD&D Insurance

Voluntary Life and AD&D Insurance Volutary Life ad AD&D Isurace Date: March 2014 To: All JMA beefit eligible members From: Wells Fargo Isurace Services Re: Volutary Life & Accidetal Death ad Dismembermet (AD&D) isurace If you choose to

More information

ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY

ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY ASSOCIATION LIFE INSURANCE THROUGH THE ISMA INSURANCE AGENCY Thak you for your iterest i the ISMA s Group Term Life Isurace product. Per your request, please fid eclosed the followig: A product brochure

More information

Financial Service Guide (FSG)

Financial Service Guide (FSG) Fiacial Service Guide (FSG) Effective date: 06 August 2015 icorporatig member product guide Savigs Term Deposits Paymet Services Isurace Home Loas Credit Facilities Police Bak Ltd ABN 95 087 650 799. AFSL/Australia

More information

Indexed Survivor Universal Life. Agent product guide 15887 7/10

Indexed Survivor Universal Life. Agent product guide 15887 7/10 Idexed Survivor Uiversal Life Aget product guide 15887 7/10 Idexed Survivor Uiversal Life is a flexible premium survivor uiversal life isurace policy with a idex-liked iterest creditig feature. Buildig

More information

BCP ABSOLUTE RETURN BOND 16

BCP ABSOLUTE RETURN BOND 16 AVAILABLE TO INVESTMENT PENSION ARF/AMRF INVESTORS BCP ABSOLUTE A CAPITAL SECURE, ACTIVELY MANAGED, ABSOLUTE RETURN BOND THAT AIMS TO ACHIEVE CONSISTENT, POSITIVE RETURNS Uderlyig Fud has a exceptioal

More information

Life & Disability Insurance. For COSE Employer Groups with 10+ Employees

Life & Disability Insurance. For COSE Employer Groups with 10+ Employees Life & Disability Isurace For COSE Employer Groups with 10+ Employees Life ad Disability Isurace Offerig a great beefit like life ad disability isurace is a excellet way to help attract ad retai taleted

More information