AXA Car Insurance. Your policy booklet August 2008 edition

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1 AXA Car Isurace Your policy booklet August 2008 editio

2 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 ad wealth maagemet. Fiacial protectio AXA Group worldwide maages fuds worth over 1,064 billio (as at 31st December 2005), o behalf of 50 millio customers worldwide. Global stability We operate i over 50 coutries spaig Europe, North ad South America, Africa, the Middle East, the Far East ad Australasia. Comprehesive services I the UK, AXA provides advice ad guidace to our idividual ad corporate customers o a wide rage of fiacial products ad services, icludig: AXA Su Life (ivestmets, life assurace, retiremet plaig, log term care), AXA Ivestmet Maagers (asset maagemet), AXA PPP healthcare (medical isurace, hospital care ad detal care through its sister compay Depla) ad AXA Isurace (isurace for home, motor, travel ad pet). Customer focus At AXA Isurace we desig our products aroud your eeds. Whether it s motor, home, travel or pet isurace you re lookig for, we ca provide high quality cover. With our expertise, you ca get o with the more importat thigs i life, like livig it. AXA Isurace UK plc is authorised ad regulated by the Fiacial Services Authority. This ca be checked o the FSA s register by visitig the FSA s website at or by cotactig them o

3 Cotets Cotets Itroductio 2 Choice of cover 4 Makig a claim 5 Makig a complait 6 Your policy 9 Defiitios 10 Geeral coditios applicable to all sectios of the policy 11 Claims coditios 13 Geeral exclusios applicable to all sectios of the policy 15 Part A - Loss ad damage 16 Part B - Liability to others 20 Part C - Territorial Limits ad Foreig use 22 Part D - Ijury beefits 23 Part E - Persoal belogigs 24 Part F Additioal covers ad beefits 25 Edorsemets 27 This policy booklet cotais details of what is covered ad how claims are settled. We recommed that you check your cover meets your eeds. 3

4 Choice of Cover Choice of Cover Comprehesive All parts of the policy apply except where ameded by edorsemet. Third Party Fire ad Theft Loss ad Damage uder Part A is oly covered where loss or damage to your car is caused by fire, lightig, explosio, theft or attempted theft. You are ot covered uder sectios 2 ad 4 of Part A - Loss or Damage. You are ot covered uder Parts D - Ijury Beefits ad E - Persoal Belogigs ad other parts ameded by edorsemet. Third Party Oly You are ot covered uder Parts A, D ad E ad other Parts ameded by edorsemet. Your policy schedule will show what sectios are i force. We wat you to uderstad your policy ad everythig we ca do for you ad have tried to desig your policy booklet to help you do this. You will fid the followig headigs o may pages: What is covered This provides detailed iformatio o the isurace provided ad should be read with What is ot covered. What is ot covered This tells you what is ot icluded i your policy. To help you further We have icluded some explaatory otes i your policy. These are headed Useful iformatio ad are prited i italics at the bottom of the page. They are ot part of the isurace cotract but they are there to help you uderstad it. 4

5 Makig a claim Makig a claim If you eed to make a claim or thik you do please call our claims team who will immediately take actio to help you. To make the claims process quicker please have your policy umber to had ad a full descriptio of the icidet. We will keep you iformed about how we are progressig with the resolutio of your claim. We are committed to dealig with each claim quickly ad effectively I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded. 5

6 Makig a complait Makig a complait If you have cause for complait, it is importat you kow we are committed to providig you with a exceptioal level of service ad customer care. We realise that thigs ca go wrog ad there may be occasios whe you feel that we have ot provided the service you expected. Whe this happes, we wat to hear about it so that we ca try to put thigs right. Who to cotact The most importat factors i gettig your complait dealt with as quickly ad efficietly as possible are: to be sure you are talkig to the right perso, ad; that you are givig them the right iformatio. Whe you cotact us please give us your ame ad a cotact telephoe umber please quote your policy ad/or claim umber, ad the type of policy you hold please explai clearly ad cocisely the reaso for your complait So we begi by establishig your first poit of cotact. Step oe iitiatig your complait Does your complait relate to: A: your policy? B: a claim o your policy? If A, you eed to cotact the aget who sold you your policy. If B, you eed to cotact whoever is curretly dealig with your claim ad state your complait. I either case, if you wish to provide writte details, the followig checklist has bee prepared for you to use whe draftig your letter. 6 head your letter COMPLAINT give your full ame, post code ad cotact telephoe umber(s) quote the type of policy ad your policy ad/or claim umber advise the ame of your isurace aget (if applicable) explai clearly ad cocisely the reaso(s) for your complait please iclude ay other material which could be useful. We expect that the majority of complaits will be quickly ad satisfactorily resolved at this stage, but if you are ot satisfied, you ca take the issue further:

7 Makig a complait Step two if you are still uhappy Should the respose you receive be usatisfactory please cotact us usig the relevat details below. Does your complait relate to: A: your policy? B: a claim o your policy? If A, please cotact: AXA Isurace UK plc PO Box 14 Civic Drive Ipswich IP1 2AN Tel: If B, please cotact the relevat Claims Office, details of which you will have received followig otifyig us of your claim. I either circumstace please ask to speak with a team leader. Where a team leader caot assist we will esure you are put ito cotact with a maager who will seek to resolve your complait. Step three cotactig AXA Head Office If your complait is oe of the few that caot be resolved by this stage, cotact the head of customer care who will arrage for a ivestigatio o behalf of the Chief Executive: Head of Customer Care AXA Isurace Civic Drive Ipswich IP1 2AN Tel: Fax: Step four beyod AXA If we have give you our fial respose ad you are still dissatisfied you may refer your case to the Fiacial Ombudsma Service (FOS). The FOS is a idepedet body that arbitrates o complaits about geeral isurace products. It will oly cosider complaits after we have provided you with writte cofirmatio that our iteral complaits procedure has bee exhausted. The Ombudsma ca be cotacted at: Isurace Divisio Fiacial Ombudsma Service South Quay Plaza 183 Marsh Wall Lodo E14 9SR Tel: Fax: Referral to the FOS will ot affect your right to take legal actio agaist us.

8 Makig a complait Our promise to you We will: Ackowledge writte complaits promptly Ivestigate quickly ad thoroughly Keep you iformed of progress Do everythig possible to resolve your complait Lear from our mistakes Use the iformatio from complaits to cotiuously improve our service We may record or moitor telephoe calls. Fiacial Services Compesatio Scheme (FSCS) AXA isurace is covered by the FSCS, which is triggered whe a authorised firm goes out of busiess. I this ulikely evet you may be etitled to compesatio from the scheme. Compesatio uder the scheme for: Compulsory isurace is covered i full. No-compulsory isurace is protected i full for the first 2,000 ad 90% of ay amout above this threshold. Full details are available at 8

9 Your policy Your policy This policy is a cotract betwee you ad us. This policy describes the isurace cover provided durig the period of isurace you have paid for, or have agreed to pay for, ad for which we have accepted the premium. The cotract betwee you ad us is formed of this policy, the schedule ad ay edorsemets show i the schedule. For the cotract to be valid, all the iformatio you have give us must be true ad complete to the best of your kowledge ad belief, otherwise your policy may ot protect you i the evet of a claim. The isurace cover applies aywhere i the UK except whe we state otherwise i this policy see Part C Territorial Limits ad Foreig Use. Your car is also covered whe it is beig trasported withi the UK ad betwee ay UK ports. Importat Please read the policy, the certificate of isurace ad the schedule as oe documet to esure that it meets with your requiremets. The law applicable to this policy You ad we are free to choose the laws applicable to the policy. As we are based i Eglad, we propose to apply the laws of Eglad ad Wales ad by purchasig this policy you have agreed to this. 9

10 Defiitios Defiitios Where we explai what a word meas that word will have the same meaig wherever it is used i the policy, edorsemets ad schedule. These words are highlighted by the use of bold prit. Certificate of isurace The certificate of motor isurace which is evidece of your motor isurace. Excess/excesses The amout you are required to pay as the first part of each ad every claim made. Market value The cost of replacig your car i the UK with oe of the same make, model, specificatio, mileage, age ad coditio. Persoal belogigs Clothes ad items of a persoal ature belogig to you ad your passegers, icludig portable avigatioal equipmet, car phoes, radios, CD players, cassette players, games cosoles or ay other audio or visual equipmet. Schedule The schedule forms part of this policy. Please read the schedule carefully. It defies the cover you have uder this policy. UK Eglad, Scotlad, Wales, Norther Irelad, the Isle of Ma ad the Chael Islads. We/us/our AXA Isurace UK plc. You/your The policyholder amed i the schedule. Your car Ay motor vehicle for which we have issued a certificate of isurace or a temporary cover ote. 10

11 Geeral coditios Geeral coditios applicable to all parts of this policy You must comply with the followig coditios to have the full protectio of your policy. If you do ot comply with them we may at our optio: cacel the policy, ad/or refuse to deal with your claim, ad/or reduce the amout of ay claim paymet. 1. Cacellatio Statutory cacellatio rights You may cacel this policy withi 14 days of receipt of the policy documets (ew busiess) or the reewal date (the Cacellatio period) by writig to us at the followig address durig the Cacellatio period: AXA Persoal Lies Customer Service PO Box 440 Bristol BS34 8YQ You must retur your certificate of isurace to us otherwise we will ot be able to cacel your policy. There is o refud of premium i the evet of a total loss claim. However, i all other cases, we will keep a amout of premium i proportio to the time you have bee o cover ad refud the balace to you. If there is a total loss ad if you are payig by istalmets, you will either have to cotiue with the istalmet paymets util the premium is paid i full or we may, at our discretio, deduct the remaiig istalmets you owe from ay claim paymet made. Cacellatio outside the statutory period You may cacel this policy at ay time by givig prior writte otice to the above address ad returig your certificate of isurace to us. As log as you have ot icurred ay eligible claims we will keep a amout of premium i proportio to the time you have bee o cover ad refud the rest to you. If you are payig by istalmets your istalmet paymets will cease ad if you icur eligible claims you will either have to cotiue with the istalmet paymets util the premium is paid i full or we may, at our discretio, deduct the outstadig istalmets due from ay claim paymet made. 11

12 Geeral coditios Cacellatio by us We reserve the right to cacel the policy by providig 21 days prior writte otice by recorded delivery to your last kow address. Ay premium refud will be calculated i accordace with the above. 2. No paymet of premiums We reserve the right to cacel this policy immediately o writte otice i the evet of o paymet of the premium or default if you are payig by istalmets. 3. Takig care of your car You must do all you ca to protect your car ad keep it i a roadworthy coditio. If you do ot do this your right to claim uder your policy may be affected. You must: esure the car is locked, widows, icludig suroofs are closed, ad ay required security devices are activated ad all keys ad keyless etry system devices are removed whe the car is left uatteded. whe leavig your car take persoal belogigs with you, lock them i your boot or glove compartmet. Do ot leave them i ope view i your car. whe leavig your car uatteded remove if physically possible your radio ad other audio equipmet or activate ay security features they may have. maitai your car i roadworthy coditio ad esure you have a valid MOT certificate where appropriate. always keep the tyres withi the legal requiremets at all times. 4. Access to your car You must let us examie your car at ay reasoable time if we ask you. 5. Keepig to the terms ad coditios We will oly provide the isurace described i this policy if ayoe claimig protectio has met all its terms ad coditios I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded.

13 Claims coditios Claims coditios You must comply with the followig coditios to have the full protectio of your policy. If you do ot comply with them we may at our optio: cacel the policy, ad/or refuse to deal with your claim, ad/or reduce the amout of ay claim paymet. What you must do i makig a claim If bodily ijury, loss, theft or damage happes to you, your car or ayoe else you must immediately: call the claims telephoe helplie ( ). do whatever you ca to protect the car ad its accessories. take all reasoable steps to recover missig property ad to prevet a further icidet. provide us with full details of ay other party ivolved i the icidet. sed us ay letters ad documets you receive i coectio with the icidet before you reply to them. if you kow of ay future prosecutio, coroer s iquest or Fatal Accidet Iquiry about ay icidet, you must tell us immediately i writig. If we ask you must sed us writte details of your claim withi 31 days. Ayoe makig a claim uder this policy must give us ay iformatio ad help we eed. What you must ot do You, ad ayoe covered by this policy, must ot: admit aythig, or make ay offer or promise about a claim, uless you have our writte permissio to do so. What we will do We will: take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. have the right to take over ad deal with the defece or settlemet of ay claim i the ame of the perso makig a claim uder this policy. We may also pursue ay claim to recover ay amout due from a third party i the ame of ayoe claimig cover uder this policy. 13

14 Claims coditios oly pay our share of the claim if you make a claim for ay liability, loss or damage that is also covered by ay other isurace policy. have the right to recover ay paymet we make from you or from the perso resposible if, uder the law of ay coutry i which you are covered by this policy, we have to pay a claim which we would ot ormally have to pay. Fraud You must ot act i a fraudulet way. If you or ayoe actig for you: makes a claim uder this policy kowig the claim to be false or frauduletly exaggerated i ay respect; or makes a statemet i support of a claim kowig the statemet to be false i ay respect; or seds us a documet i support of a claim kowig the documet to be forged or false i ay respect; or makes a claim i respect of ay loss or damage caused by your wilful act or with your coivace The we shall ot pay the claim we shall ot pay ay other claim which has bee or will be made uder this policy we may at our optio declare the policy void we shall be etitled to recover from you the amout of ay claim already paid uder the policy sice the last reewal date we shall ot make ay retur of premium we may iform the Police of the circumstaces I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded.

15 Geeral exclusios Geeral Exclusios applicable to all parts of this policy 1. This policy does ot apply whe your car: is beig used for purposes that are ot specified i your certificate of isurace is beig drive by or i the charge of ay perso who is ot covered by your certificate of isurace is beig drive by you or with your permissio by ay perso who you kow has ot got a drivig licece or who you kow to be disqualified from drivig or gettig a licece or is preveted by law from holdig oe is beig drive by you or i the charge of a perso who fails to meet the coditios of the licece they hold is towig a carava, trailer, or other vehicle for paymet is airside o ay airport or airfield premises ( airside icludes ruways, hagars, apros, or aywhere aircraft have access to.) 2. This policy does ot cover ay liability which you have as a result of a agreemet or cotact, uless you would have had that liability ayway. 3. This policy does ot provide cover for ay loss of or damage to property, legal liability, ijury or other loss directly or idirectly caused by, cotributed to by, or arisig from the followig: ioisig radiatio or cotamiatio by radioactivity from irradiated uclear fuel or uclear waste or from burig uclear fuel. the radioactive, toxic, explosive or other dagerous properties of ay explosive uclear assembly or part of it. 4. This policy does ot provide cover for ay loss or damage which results from war, ivasio, act of foreig eemy, hostilities (whether or ot war is declared), civil war, rebellio, revolutio, military force or coup. However, this policy covers you so far as is ecessary to meet with ay law o Compulsory Isurace. 5. This policy does ot provide cover except uder Part B Liability to Others for ay accidet, ijury, loss or damage caused by: a) earthquake; b) riot or civil commotio if it occurs outside Eglad, Scotlad, Wales, the Isle of Ma or the Chael Islads. 15

16 Part A: Loss ad damage Part A: Loss ad damage 1. Loss of or damage to your car, or spare parts What is covered If your car, accessories or spare parts are lost, stole or damaged, we will: repair the damage; replace what is lost or damaged ad is too expesive to repair; or pay you the cost of the loss or damage. We ca choose which of these actios we will take for ay claim we agree to ad the repairer ca use parts that have ot bee produced by the vehicle maufacturer. Followig damage to your car, we may move your car to a place of safe ad free storage pedig settlemet of ay claim. If we are told that your car belogs to someoe else or if you are buyig your car uder a hire purchase or leasig agreemet, we will ormally make the paymet for the total loss of your car to the legal ower. If you caot use your car because of loss or damage that is isured uder this policy, we will also pay the reasoable cost of protectig your car ad takig it to our earest approved repairer. After the repair, we will pay the reasoable cost of deliverig your car to your address i the UK. Where your car is ot recovered followig a theft or is beyod ecoomical repair we will pay you the market value of your car, icludig accessories ad spare parts at the time they are lost, stole or damaged. If we settle a claim as a total loss, we will the take owership of your car. Accessories ad spare parts of your car, which are i your private garage at the time of their loss or damage, will also be covered. New car replacemet If durig the period of oe year after the first registratio as ew your car is: stole ad ot recovered; or damaged so that repairs will cost more tha 60% of the maufacturer s price list (icludig taxes ad the cost of accessories) at the time of the loss or damage; ad provided your car is owed by you the we will replace your car with a ew oe of the same make, model ad specificatio. Provided that: oe is available you ad ayoe else we kow who has a fiacial iterest i your car agree. If a replacemet car of the same make, model ad specificatio is ot available, the most we will pay is the market value of your car ad its fitted accessories ad spare parts at the time of the loss or damage. 16

17 Part A: Loss ad damage Exclusios to Part A What is ot covered You are ot covered for the followig: Loss of use, loss of value, wear ad tear, mechaical or electrical failure, breakdows or breakages Loss of value after a repair The cost of ay repair or replacemet which improves your car beyod the coditio it was i before the loss or damage occurred Loss of or damage to your car arisig from or as a result of water freezig i the coolig circulatio system of your car Damage to tyres from brakig, puctures, cuts or bursts uless as a result of a accidet Loss, destructio or damage caused directly by pressure waves from aircraft ad other aerial devices travellig at soic or supersoic speeds Loss of your car by deceptio of someoe who claims to be a buyer or aget The cost of ay hired alterative trasport Loss from takig your car ad returig it to it s legal ower Loss or damage to your car by theft or attempted theft if you or ayoe else has left it ulocked or with keys or keyless etry system i your car, or o it. Cofiscatio or requisitio or destructio by, or uder the order of, ay govermet or public or lad authority. Uless we provide cover uder this isurace, ay other loss, damage or additioal expese followig o from the evet for which you are claimig* Ay excess that applies to this isurace *Useful iformatio: Examples of such loss, damage or additioal expese are the costs icurred i preparig a claim or loss of earigs followig your bodily ijury or illess. This policy does ot cover mechaical breakdow, or computer failure. But, if for example your egie maagemet system fails ad causes the egie to shut dow, ay accidet that happes as a result would be covered (although the cost to repair the fault of the egie maagemet system would ot be covered). The same applies if your vehicle catches fire the faulty item would ot be covered, but you would be covered for the other fire damage I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded. 1

18 Part A: Loss ad damage Exclusios to Part A What is ot covered (Cotiued) If ay part, uit or accessory of your car becomes uobtaiable or obsolete i patter ad therefore out of stock i the UK, you are ot covered for the followig: Icreased repair ad replacemet part, uit, or accessory costs due to o-availability ad/or waitig time for delivery Storage costs awaitig commecemet of the repair to your car. Driver Excesses If your car or ay of its accessories or spare parts are damaged while your car is beig drive by a driver as show i the table below, you will have to pay this additioal amout, o top of ay other excess show i your schedule, towards ay claim. Age of Driver Experiece Excess 1 years ad over Experieced years to 0 years iclusive Experieced years ad over Iexperieced years to 24 years iclusive Experieced years to 24 years iclusive Iexperieced years to 20 years iclusive All drivers 500 A iexperieced driver is someoe who holds a provisioal drivig licece, or has held a full drivig licece for less tha 12 moths. If we pay the iexperieced driver excess, you will have to repay that amout to us as soo as possible. You will ot have to pay the driver excess show i your policy schedule if the loss or damage is caused by fire, lightig, explosio, theft or attempted theft. *Useful iformatio: The excess is the amout you have to pay for every claim for loss of or damage to your vehicle (for example, if your repairs cost 1,000 ad you have a 100 excess, you pay 100 ad the isurer pays 900). Excesses apply whoever was to blame. There are three kids of excess. Compulsory this will apply i certai circumstaces, such as for high performace cars. Volutary if you have chose to have a excess, we will give you a discout o your premium. Youg or iexperieced driver this depeds o the ages of the driver ad how log they have bee drivig. All applicable excesses will be show i your schedule which icludes those show agaist ay operative edorsemets that apply to this isurace policy. The youg ad iexperieced driver excess will apply o top of ay other excesses that apply. 18

19 Part A: Loss ad damage 2. Widscree damage What is covered We will pay for the repair or replacemet of glass i widows, widscrees or suroofs i your car ad scratchig of the bodywork caused by the glass breakig. If this is the oly damage you claim for, your o claim discout will ot be affected. What is ot covered The excess show i your policy schedule or i Edorsemet 29 Widscree Breakage if it is applicable. This amout will ot be payable by you if the glass is repaired ad ot replaced * 3. Audio Visual equipmet ad i-car etertaimet systems What is covered We will pay up to 500 for loss or damage to your car s permaetly fitted i-car avigatioal equipmet, car phoes, radios, CD players, cassette players, games cosoles or ay other audio or visual equipmet. Removable equipmet is covered if it ca oly be used whilst it is attached to your car ad is desiged to be totally or partially removed. What is ot covered Ay removable or portable equipmet that is able to be used whilst ot attached to your car. This equipmet will be covered uder Part E - Persoal Belogigs. The excess show i your schedule applies. 4. Medical expeses What is covered If you, your driver or ay of your passegers are ijured i a accidet ivolvig your car, we will pay medical expeses, which ca iclude physiotherapy if you ask us to ad we agree to provide the treatmet, of up to 250 for each ijured perso. *Useful iformatio: *You ca save moey by havig the glass repaired istead of replaced. Ask the glass supplier to check the damage to see whether it ca be replaced. Have your certificate of isurace ready whe you have the glass repaired or replaced. The glass repairer eeds this for your claim I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded. 19

20 Part B: Liability to others Part B: Liability to Others What is covered 1. Cover provided for you This policy covers you for the amouts show below: i. Death of or ijury to ay perso UNLIMITED ii. Damage to ay other perso s property up to 20,000,000, plus all legal costs ad expeses provided the total does ot exceed 25,000,000 which you become legally resposible for payig due to the death of or ijury to ay perso ad damage to ay perso s property i respect of ay claim or series of claims arisig out of oe evet ivolvig your car, or caused by a trailer, carava or other vehicle that is attached to your car. The same cover will apply if you are drivig ay other car which your certificate of isurace allows you to drive. This cover ceases if you dispose of your car show i the certificate of isurace or it becomes a total loss. * 2. Cover provided for other people If you ask us to, we will give the followig people the same liability to others isurace cover we give you: Ayoe you allow to drive your car ad who is allowed to drive it i the certificate of isurace Ay perso usig (but ot drivig) your car with your permissio for social, domestic ad pleasure purposes Ay perso travellig i or gettig ito or out of your car Your employer or busiess parter, as log as your car is ot owed by or hired to either your employer or busiess parter ad your car is beig used for a purpose that is allowed i your certificate of isurace. 3. Your legally-appoited represetatives After the death of ayoe isured uder this policy, we will protect that perso s estate agaist ay liability the deceased perso had if that liability is isured uder this policy. *Useful iformatio: * If a accidet causes damage to aother car, a aimal or property, or if ayoe is ijured, the law says you must stop. You must give your ame, address ad car registratio umber to ayoe reasoably askig. If ayoe is ijured, you must show your certificate of motor isurace to the police or ayoe who asks. 20

21 Part B: Liability to others What is covered (Cotiued) 4. Legal fees ad expeses If we give our writte permissio, we will pay for solicitors fees to: represet ayoe isured uder this policy at ay Coroer s Iquest or Fatal Accidet Iquiry; or defed ayoe isured uder this policy i a court of summary jurisdictio; for ay icidet which might give rise to a claim uder Part B Liability to Others of this policy. Proceedigs for maslaughter or causig death by dagerous drivig We will pay fees for legal services to defed ayoe isured uder this policy if legal proceedigs are take agaist that perso for maslaughter or causig death by reckless drivig. The followig coditios will apply to this cover: You must ask us to provide it The death or deaths givig rise to the proceedigs must have bee caused by a icidet covered by this policy 5. Emergecy medical treatmet We will pay for ay emergecy medical treatmet that must be provided uder the Road Traffic Act. If this is the oly paymet we make, it will ot affect your o claim discout. Exclusios to Part B What is ot covered You are ot covered for the followig: 1. Ayoe drivig your car who is disqualified from drivig or has ever held a drivig licece, or is preveted by law from holdig oe. 2. Liability for loss of or damage to property which belogs to, or is with, ay perso who is isured uder this policy ad who is drivig your car. 3. Ay loss of or damage to property, legal liability, ijury or other loss directly or idirectly caused by cotributed to by or arisig from terrorism or ay actio take i cotrollig prevetig suppressig or i ay way relatig to terrorism. However this policy covers you so far as is ecessary to meet ay law o compulsory isurace. For the purposes of this exceptio terrorism meas a act or acts whether threateed or actual of ay perso or persos ivolvig the causig or occasioig or threateig of harm of whatever ature ad by whatever meas made or claimed to be made whole or i part for political religious or similar purposes I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded. 21

22 Part C: Territorial Limits ad Foreig use Part C: Territorial Limits ad Foreig use What is covered This policy provides the cover described i the schedule withi the UK. Your policy also provides the miimum cover you eed by law to use your car i: 1. ay coutry which is a member of the Europea Commuity; or 2. ay other coutry which as agreed to follow the Europea Commuity Directive o Isurace Civil liberties (Article (2) of EC Directive 2/166/EEC) ad is approved by the commissio of the Europea Commuities. Where the level of cover i ay Europea Commuity Member State is less tha that provided by the legal miimum requiremets of UK, the level of cover that applies i UK will apply i that Member State. Your policy automatically exteds the cover show i the schedule to the coutries described i item 1. ad 2. above for up to 93 days i ay oe policy year. If you wat to exted your cover for more tha 93 days you must cotact us before you travel It is o loger ecessary to have a Iteratioal Motor Isurace Certificate (Gree Card) whe travellig to coutries covered by item 1. or 2. above. I the absece of a Gree card you must carry your curret certificate of isurace whe travellig. If you pla to travel to ay other coutry, please otify us at least three weeks before you leave as you may require a Gree Card, which will be supplied free of charge if we agree to exted cover. Whe cotactig us please supply the followig iformatio: your policy umber the period for which cover is required the registratio umber, make ad model of your car details of ay trailer or carava beig towed coutries to be visited. Exclusios to Part C What is ot covered You are ot covered for ay legal actio take agaist you outside the UK, uless it is a result of usig your car i a coutry for which we have agreed to exted this isurace cover. 22

23 Part D: Ijury beefits Part D: Ijury beefits What is covered If: you, your spouse or your civil parter are ijured solely as a result of a accidet ivolvig your car; or while travellig i or gettig ito or out of your car; or ay other perso is ijured while travellig i or gettig ito or out of your car; we will pay you or your legal represetatives or if you ask us to, the perso ijured or their legal represetative the compesatio specified below: Provided that death or loss occurs withi three caledar moths ad solely ad directly as a result of the accidet. You ad members of your household ormally livig with you (subject to age exclusio below) Other passegers (subject to age exclusio below) Death,500,500 Total ad irrecoverable loss of sight i oe or both eye Total ad irrecoverable loss of oe or more limbs 5,000 Nil 5,000 Nil Exclusios to Part D What is ot covered You are ot covered for the followig: uder more tha oe motor policy you or members of your household or ay other perso may hold with us; ay perso who, at the time of the ijury, has ot reached their sixteeth birthday or who has reached their sevety fifth birthday; i respect of death or ijury as a result of suicide, attempted suicide or ay itetioal self-ijury; i respect of ay death or ijury to you or members of your household or ay other perso as a result of a accidet that does ot ivolve your car, or while travellig i or gettig out of ay car other tha your car I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded. 23

24 Part E: Persoal belogigs Part E: Persoal belogigs What is covered We will pay up to a maximum of 100 for persoal belogigs carried i or o your car if lost or damaged by: accidet to your car; fire, lightig, explosio; theft or attempted theft. Exclusios to Part E What is ot covered You are ot covered for the followig: moey, stamps, tickets, documets or securities; tools, equipmet, goods or samples carried i coectio with ay trade or busiess; property isured by aother policy; theft of persoal belogigs if carried i a ope-top or covertible car, uless cotaied i the locked boot I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded.

25 Part F: Additioal Covers ad Beefits Part F: Additioal Covers ad Beefits 1. No Claim Discout As log as you have ot made a claim durig the curret isurace year, we will iclude a discout i your reewal premium. We will give you this discout for each claim-free year up to the maximum etitlemet. Please ote this is o guaratee your premium will ot rise. If you make oe or two claims durig the isurace year, the o claim discout you ear will be reduced as follows: No claims discout you ear Oe claims Discout reduced to Two claims Discout reduced to 1 year Nil years Nil years 2 years Nil years Nil years 3 years 1 year Nil years 4 years 2 years Nil years 5 or more years 3 years 1 year If You made three or more claims i the previous isurace year, you will ot get a o claim discout. Your o claim discout caot be trasferred to ayoe else. Your o claim discout will ot be affected by paymets for emergecy treatmet which the Road Traffic Act says we must pay or paymets made uder Part A (2) Widscree Damage for widscree replacemet/repair. 2. Protected o claim discout Oce you have five years o claim discout ad you have ot made a claim for at least three years, if you are aged at least 25 years ad all drivers are aged at least 21 years, the you ca protect the discout if you pay a extra premium at each reewal. This protectio will apply uless you make more tha two claims i three cosecutive periods of cover, the protectio will ed. For the third ad ay subsequet claims your o claim discout will be reduced i accordace with the scale listed uder No Claim Discout. Although you ca protect your o claim discout, your premium may icrease if you make claims or you receive motorig covictios or as required by us for ay other reaso I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded. 25

26 Part F: Additioal Covers ad Beefits You will have to pay the amout show i your policy schedule uder Edorsemet 30 Protected o claim discout. This amout is i additio to ay other excess you have agreed to pay for towards ay ow damage claim. Please ote this is o guaratee your premium will ot rise. Your protected o claim discout will ot be affected by paymets for emergecy treatmet which the Road Traffic Act says we must pay or paymets made uder Part A (2) for widscree damage replacemet or repair. 3. Car sharig What is covered Your policy also covers your car whe you are beig paid for carryig passegers for social or similar purposes as log as: your car caot carry more tha 8 people icludig the driver; you are ot carryig the passegers as part of a busiess of carryig passegers; ad the total paymet you receive for the jourey does ot provide a profit for you. 4. Car service cover What is covered Car servicig ad car parkig Subject to the terms ad coditios of this policy other tha limitatios to use ad drivig we will provide a idemity to you whilst your car is i the custody or cotrol of: A motor garage or other similar busiess, which you do ot ow, which has your car for the purpose of: maiteace; repair; testig; or servicig A hotel, restaurat or similar busiess, which you do ot ow, where your car has bee parked for you I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded.

27 Edorsemets Edorsemets Your isurace uder this policy may be exteded or restricted by edorsemets. Edorsemets oly apply if their umbers appear i the schedule. All the terms, coditios ad exceptios of the policy cotiue to apply alog with the edorsemets. Edorsemet 9 Exclusio of persoal belogigs You are ot covered uder Part E Persoal belogigs of this policy. Edorsemet 11 Exclusio of ijury beefits You are ot covered uder Part D Ijury beefits of this policy. Edorsemet 12 Ow loss or damage (volutary) You will pay the amout show ext to this edorsemet umber i the schedule towards each claim for loss or damage to your car. This edorsemet will ot apply if damage to the car: is caused by fire, lightig, explosio, theft or attempted theft; or is limited to broke glass i the widscree or widows or bodywork damaged by the broke glass. This edorsemet applies o top of ay other amout which you may have to pay towards each claim. If we pay the whole amout of the claim at first, you must immediately pay us the amout you have to pay uder this edorsemet. Edorsemet 13 Ow loss or damage (compulsory) You will pay the amout show ext to this edorsemet umber i the schedule towards each claim for loss or damage to your car. This edorsemet will ot apply if damage to the car: is caused by fire, lightig, explosio, theft or attempted theft; or is limited to broke glass i the widscree or widows or bodywork damaged by the broke glass. This edorsemet applies o top of ay other amout which you may have to pay towards each claim. If we pay the whole amout of the claim at first, you must immediately pay us the amout you have to pay uder this edorsemet I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded. 2

28 Edorsemets Edorsemet 15 Compay deletios You are ot covered uder Parts D Ijury beefits ad E Persoal belogigs of this policy. Edorsemet 16 Fire ad theft excess (compulsory) You will pay the amout show ext to this edorsemet umber i the schedule towards each claim for loss or damage to your car caused by fire, lightig, explosio, theft or attempted theft. If we pay the whole amout of the claim at first, you must immediately pay us the amout you have to pay uder this edorsemet. Edorsemet 29 Widscree breakage You will pay the amout show ext to this edorsemet umber i the schedule towards each claim made uder Part A Loss ad damage (2) Widscree damage. Edorsemet 30 Protected o claim discout If you pay a extra premium, your o claim discout is protected as log as you do ot make more tha two claims i three cosecutive periods of cover. This protectio will apply uless you make more tha two claims i three cosecutive periods of cover, the protectio will ed. For the third ad ay subsequet claims your o claim discout will be reduced i accordace with the scale listed uder No Claim Discout. You will pay the amout show ext to this edorsemet umber i the schedule towards each claim for loss or damage to your car. If we agree to trasfer someoe s iterest uder this policy, this edorsemet will be cacelled uless the perso the policy is trasferred to ca meet our coditios for havig a protected o claim discout. Edorsemet 39 Car security You are ot covered uder Part A Loss or damage of this policy for ay loss or damage caused by theft ad attempted theft uless: your car is fitted with a security device coformig to Thatcham Category 1 or 2 stadards; ad the security device is operatioal at the time of ay loss or damage to your car I the evet of you eedig to make a claim, call this umber. We will take all the details ad if appropriate, give you the telephoe umber ad locatio of your earest approved repairer ad iform you of ay further actio you may eed to take. We are committed to dealig with each claim quickly ad effectively. Telephoe calls may be moitored or recorded.

29 AXA is a world leader i wealth maagemet ad fiacial protectio. We operate i over 50 coutries ad serve more tha 52 millio customers worldwide. We cater to a wide rage of eeds, providig advice ad guidace to our idividual ad corporate customers o a variety of fiacial products ad services. I additio to Busiess, Motor ad Home Isurace we also offer Ivestmets, Life Assurace, Retiremet Plaig, Log Term Care, Asset Maagemet, Medical Isurace ad Detal Paymet Plas. With our expertise ad commitmet to customer service ad cosistet quality care you ca rely o AXA for lastig security. ASK ABOUT AXA S EXCELLENT RANGE OF BUSINESS HOME AND MOTOR INSURANCE PRODUCTS APLD0144P-B (01/09) (18181) AXA Isurace UK plc Registered i Eglad No Registered Office: 5 Old Broad Street, Lodo EC2N 1AD A member of the AXA Group of Compaies. AXA Isurace UK plc is authorised ad regulated by the Fiacial Services Authority. I order to maitai a quality service, telephoe calls may be moitored or recorded.

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