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2 DriveProtect Key Facts Claim Hotlines Legal Advice Line & Representation at Court or ( ) (please make sure you have your DriveProtect Membership number to hand) Like for Like Vehicle Replacement Loss of Driving Licence or Loss of Keys or

3 Legal Advice Line & Representation at Court Caught on Camera? If the Police have asked for details of the driver relating to an alleged Speeding offence anywhere in England or Wales: Ring: or Quote Reference: Your DriveProtect Membership Number as found on your Membership Schedule Our Specialist Solicitors will give you advice and, if necessary, legal representation in Court. DriveProtect s panel of solicitors can help, but only if you tell them immediately you are contacted by the Police and you follow the advice given to you. 2

4 Involved in an accident which is not your fault? Like for Like Replacement Vehicle Service Assuming you have collected the details of the negligent party at the road- side then... Ring: Quote Reference: DriveProtect Our specialist claims handlers will manage your claim and arrange for you to have a vehicle comparable to your own for the duration of repairs. 3

5 Supercover Driving License Loss & Key Cover Insurer This insurance is arranged by Supercover Insurance Ltd with UK General Insurance Ltd on behalf of Ageas Insurance Limited. Supercover Insurance Ltd and UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Your Policy Cover Loss of Driving License Cover The Insurer will indemnify the Insured in respect of alternative travel costs incurred by the Insured up to a the limit shown in the Schedule for a period not exceeding six months, if, during the Period of Insurance stated in the Schedule, the Insured has been temporarily or permanently prevented from driving as a result of: a) Incapacitating injury caused by accidental external forcible or violent visible means, excluding any injuries sustained while in control of or as a passenger on a motorcycle; b) Disqualification under the provisions of Section 35 of the Road Traffic Offenders Act 1988 (totting up procedure) or disqualification under the provisions of Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the said Road Traffic Offenders Act 1988 (speeding) (or any amendments thereof) or such disqualification under any similar legislation in force in Scotland, Northern Ireland or the Channel Islands. Key Cover This policy provides cover up to 1,500 in the event that any Insured keys are accidentally lost, stolen or accidentally damaged. If, during the Period of Insurance and within the Territorial Limits, an Insured key is accidentally lost, damaged or stolen, the Insurer will: a) Pay up to 1,500 in respect of locksmiths charges, new locks (if a security risk has arisen) and replacement keys (including any immobiliser, infra-red handset and/or alarm which is integral to any Insured key if it cannot be repaired or reprogrammed), onward transport costs and the reprogramming of immobilisers, infra-red handsets and alarms which are attached to the Insured key(s) at the time of the Insured event but are not integral to an Insured key. b) Up to three days car hire if you are stranded or your car is unusable as a result of lost, stolen or damaged keys. c) Pay a 10 reward to the finder of a lost Insured key. General Exclusions: In respect of Loss of Driving License Cover, the insurer shall be under no liability if the insured: a) Has not yet reached the age of 21 years; b) Is not the holder of a full Driving License or full motorcycle license valid in the United Kingdom or the Channel Islands; c) Has not held a full Driving License valid in the United Kingdom or the Channel Islands for a period of at least one year; d) Is not resident in the United Kingdom or the Channel Islands; e) Is not legally entitled to drive the Motor Vehicle that was being driven at the time of the incident or incidents giving rise to a claim; f) Has the commencement of this policy, more than eight penalty points for an offence or offences committed within the previous three years endorsed on Your Driving License. In respect of Key Cover, the Insurer shall be under no liability for: a) any amount which exceeds 1,500 in total in any one Period of Insurance; b) any claim made, or any Insured event causing the need for a claim to be made, which occurs within 14 days from the start date of the policy; c) sums claimed where it is not possible to produce receipts or invoices for payments made by the Insured; d) Insured keys which are lost until 48 hours have elapsed since the loss; e) Insured keys lost or broken by, or stolen from, someone other than the Insured; f) Any costs other than the replacement of Insured keys where the insured has access to duplicate keys. Please note, only the key exclusions are noted above; please refer to the policy document for details of what is not covered under this policy. 4

6 How to Make a Claim Claims should be reported in writing to Supercover Insurance Ltd at the address given below, and in the first instance may be reported by telephone by contacting the helpline on Claims Department 602 Cumberland House 80 Scrubs Lane London NW10 6RF Tel: driveprotect@supercoverinsurance.com UK General Insurance Ltd are an insurers agent and in the matters of a claim act on behalf of the Insurer. How to Complain It is the intention to give You the best possible service but if You do have any questions or concerns about this insurance or the handling of a claim You should contact: Complaints Department 602 Cumberland House 80 Scrubs Lane London NW10 6RF Tel : complaints@supercoverinsurance.com If Your complaint cannot be resolved by the end of the next working day, Your agent will pass it to: Customer Relations Department UK General Insurance Limited Cast House Old Mill Business Park Gibraltar Island Road Leeds LS10 1RJ Tel: customerrelations@ukgeneral.co.uk If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service. This also applies if You are Insured in a business capacity and have an annual turnover of less than 2million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London, E14 9SR. The above complaints procedure is in addition to Your statutory rights as a consumer. For further information about Your statutory rights contact Your local authority Trading Standards Service or Citizens Advice Bureau. Cancellation If you decide that for any reason, this policy does not meet Your insurance needs then please return it to the Administrator within 14 days of issue. On the condition that no claims have been made or are pending, We will then refund Your premium in full. If you wish to cancel Your Policy after 14 days you will be entitled to a pro- rata return of premium. The Insurer shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by sending 14 days notice to the Insured at their last known address. Provided the premium has been paid in full the Insured shall be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. Data Protection Act 1998 Please note that any information provided to Us will be processed by Us and Our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. 5

7 IMPORTANT INFORMATION How to cancel your policy You will have one month, commencing when you receive your documents in which to cancel your cover and get all your money back (as long as you have not made a claim). You can cancel you membership at anytime after the first month however you will not receive a refund. To cancel your membership please members@driveprotect.co.uk Alternatively please telephone Important note; to qualify for a refund within the first month you must within the first month have either ed cancel@driveprotect.co.uk or telephoned and registered your cancellation. Cancellation of the direct debit alone is not sufficient. How to make a claim: Should you wish to make a claim please use the following contact details: Legal Advice Line (or ) Like for Like Vehicle Replacement Loss of Driving Licence Loss of Keys When making a claim please make sure you have your DriveProtect Membership number to hand. For Loss of Keys you will need to quote the reference number found on the reverse of your fob or written on the pop out card. How to make a complaint: We hope that you will be pleased with the service we provide. However, if you have to make a complaint the contact details you need are as follows; members@driveprotect.co.uk (or to make a complaint direct to our Motoring Solicitors) Loss of Keys Insurance The policy is insured by Supercover Insurance Ltd with UK General Insurance Ltd on behalf of Ageas Insurance Limited. Loss of Driving Licence The policy is insured by Supercover Insurance Ltd with UK General Insurance Ltd on behalf of Ageas Insurance Limited. Complaint Referral Process If you are unable to resolve a complaint regarding Loss of Keys Insurance and Loss of Driving Licence Insurance, you may be able to refer the complaint to the Financial Ombudsman Service. Telephone; (fixed line phones) or (Same rate as 01 or 02 numbers on mobile phone tariffs) ; complaint.info@financial-ombudsman.org.uk Post; Financial Ombudsman Service. South Quay Plaza, 183 Marsh Wall, London. E14 9SR Further information can be found on the FOS Website; ombudsman.org.uk Financial Services Compensation Scheme (FSCS) Under the Financial Services and Markets Act 2000, should any insurer be unable to meets their liabilities to policyholders, compensation may be available. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 100% for the first 2,000 and 90% for the remainder of the claim. You can get more information about compensation scheme arrangements from the FSCS. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at 6

8 INDEX Membership Benefits Section 1 Section 2 Section 3 Section 4 Section 5 Legal Advice Line & Representation at Court Like for Like Replacement Vehicle Concierge Service Loss of Driving Licence Insurance Loss of Keys Insurance 7

9 Section 1 Legal Advice Line & Representation at Court DriveProtect welcomes careful drivers but even the most careful of drivers may be 'flashed' by a FIXED or MOBILE speed camera. The consequent effect could be the loss of your driving licence and, if a company car user, the loss of your job. DriveProtect s Solution: DriveProtect and our panel of Solicitors will help you to challenge any prosecution that s instigated by the Police if you are caught by a FIXED or MOBILE speed camera, or if you are pulled over for speeding, in England or Wales. (note: DriveProtect Chauffeur Insurance cover applies if caught anywhere in the UK including Northern Ireland and all areas of Scotland). 8

10 The Benefits: Advice on how to complete the forms sent to you by the Police; Section 1 Legal Advice Line & Representation at Court (continued) Telephone or, if appropriate, face to face meetings with the specially selected Specialist Motoring Offence solicitor to prepare a detailed defence; Legal representation in Court paid for by DriveProtect, subject to a small excess, by our specially contracted and trained Solicitors or Barristers. What You Must Do: Upon receipt of the request for information from the police: Telephone the Solicitors as soon as possible quoting your DriveProtect Membership number which is sent along with your Policy Document at the time of joining. Do not delay as time is of the essence. The contact number is available Monday to Friday 9.00 a.m. to 5.00 p.m.; the information requested by the Solicitor together with a scanned copy of the police request for information form to solicitors@driveprotect.co.uk or fax to quoting the reference DRIVEPROTECT. What DriveProtect Will Do: The solicitor s office is available from 9.00 a.m. to 5.00 p.m. and they will give you accurate advice always acting within the constraints of the law and in the best interests of you, the Client. If the solicitor is unavailable your details will be taken and a return call made to you by the office within 24 hours or within 24 hours of the next working day. The solicitor will: Plan how to complete the forms to reduce the risk of prosecution; Discuss with you whether you have a potential defence to the speeding allegation; Plan how to maximise your chance of securing your acquittal and help you to plead not guilty by post if necessary; Represent you at court: a) Where there is a defence to the summons or an absolute right to acquittal; b) Where there is an argument for special reasons not to endorse your license or disqualify you because, in the opinion of the solicitor, the circumstances of the case justify such an argument. 9

11 Section 1 Legal Advice Line & Representation at Court (continued) UK Law states that you are responsible for your solicitor s fees, but DriveProtect will pay the fees, minus a small excess of: If the alleged offence occurred AFTER you became a Member: 100 including VAT, where representation at court is required. If the alleged offence occurred BEFORE you became a Member: From November 2010, we now offer to represent Members even if you had already received the Notice of Intended Prosecution at the time of becoming a Member. In this instance we will still represent you in good faith with an excess of just VAT. You must actually join as a Member in order to get this preferential rate but there is no minimum contract. We hope that we will do such a good job for you that you will choose to stay on as a Member. For any future convictions (received after the date you became a Member), the excess for representation at court will be the same as for all Members; 100 including VAT. Important: The excess must be paid to the Solicitors directly before any case preparation work or representation begins. Note: The small excess is designed as a commitment on your behalf so that DriveProtect is sure that you are serious about following through with the Defence and that you will turn up at Court and work with the Solicitors etc. This way we can be confident of allocating defence funds only to Members who will actually follow through with their defence. This excess should be paid direct to the solicitor before any court representation is organised. Conditions and Exclusions: 1 DriveProtect Membership provides representation at Court for Speeding charges as shown above. If you are summoned for other offences, such as drink driving, leaving the scene of an accident, or careless driving then of course you must be responsible for the cost of representation for them. However, as a Member courtesy you will be offered a heavily discounted rate if you choose to use DriveProtect Solicitors to represent you in these matters. Also, the solicitor will be pleased to give you telephone advice on all offences listed above, and any other Driving offences, again as a matter of courtesy for being a member. This advice will be paid for by DriveProtect. 10

12 Section 1 Legal Advice Line & Representation at Court (continued) Conditions and Exclusions: 2. DriveProtect originally covered Members for just one court appearance with a Barrister or Solicitor. However it has become apparent that very occasionally the Solicitor or Barrister is required to appear on more than one day at Court on your behalf. With this in mind we have now introduced measures to heavily limit any cost liability to you as a Member. The cost is now limited to 195 including VAT for any additional day that the Solicitor or Barrister is required to attend Court. This is intended to protect you in the rare event of complex cases that run over to more than one day. In the rare event that you need the Barrister or Solicitor on more than one day then the excess can be paid directly to the Solicitors. All of the additional costs of representation for the extra day will be paid for by DriveProtect, up to an unlimited amount. 3. In any rare or unforeseen circumstances that fall outside the cover for representation, the Solicitor will give you telephone advice on the best course of action as a courtesy for being a Member. This advice will be paid for by DriveProtect. Expert Witnesses or Site Visits: If you decide that you wish to have either an expert witness or site visit then you can either organise them directly yourself or the Solicitor can do it for you. DriveProtect will pay for the Solicitors time in organising them if you so wish. If you require a site visit but do not wish to pay someone to do it on your behalf then you are of course free to conduct it yourself to take any photographs or notes etc. If the Solicitor agrees it is beneficial to have a site visit then they will tell you or the person attending the site exactly what information to gather. DriveProtect does not cover unusual or extraordinary costs that are requested by you, such as an expert witness or a site visit. In the event that you request an expert witness or a site visit to be undertaken by someone other than yourself (i.e. someone who has to be paid) then DriveProtect will pay for the Solicitors time in organising this, and no mark up will be made on any fees charged by an expert witness, or person attending a site visit. Security for Members: All lawyers who are to represent clients are vetted by DriveProtect and are specialist motoring offence solicitors and both they, and their staff, will be subject to regular quality reviews in respect of processes adopted. The quality of case planning, advice given and the quality of representation at court is of paramount importance to us and in the event of any complaint please raise it with the solicitor s firm and also report the matter to DriveProtect. 11

13 Involved in an accident which is not your fault? Section 2 Like for Like Replacement Vehicle Service Assuming you have collected the details of the negligent party at the road- side then... Ring: likeforlike@driveprotect.co.uk Reference: DriveProtect Our specialist claims handlers will manage your claim and arrange for you to have a vehicle comparable to your own for the duration of repairs. 12

14 Section 3 DriveProtect Concierge Service The DriveProtect Concierge Service means that in the event that you are banned from driving, we will happily organise a Chauffeur, if you chose to have one, on your behalf so that you do not have to do it yourself. If you wish to organise a Driver yourself then you are of course free to do so. However, if you would rather not do this, our Recruitment Department will do the following on your behalf at no cost to you: a) Advertise for suitable candidate or candidates in your local area; b) Make a shortlist based on CVs received; c) Interview the shortlisted candidates either by telephone or in person; d) Select the chosen candidate or candidates for you have the final selection of (we can make the final selection if you prefer); e) Ensure that the chosen candidate(s) sign a Contract which outlines the Chauffeur role. Further, if a particular driver does not work out for you for any reason and you wish to replace them, but are not comfortable doing this, we will: f) Inform them that they are no longer needed; g) Immediately search for a new Driver/Chauffeur for you. The DriveProtect Concierge Service is essentially designed so that in the stressful event of losing your Driving Licence you are not burdened with the hassle of finding a good driver. We will do it for you. 13

15 Section 4 Driving License Loss and Key Cover Insurer This insurance is arranged by Supercover Insurance Ltd with UK General Insurance Ltd on behalf of Ageas Insurance Limited, Registered in England No Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire SO53 3YA. Supercover Insurance Ltd and UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register by visiting the FCA s website at or by calling the FCA on Definitions The following words or expressions will carry the same meaning throughout the policy and will appear with a capital letter: Administrator Supercover Insurance Ltd, 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF. Tel: Commencement Date Means the date on which Your application for a Points Protector or Chauffeur Insurance policy was accepted. Driving License A full Driving License valid in the United Kingdom. Motor vehicle a vehicle (not being an invalid carriage) which is constructed for the carriage of passengers and their effects and is adapted to carry not more than seven passengers and does not exceed three tons, of which the Insured is the owner or which he/she is authorised to drive, but shall not include any such Motor Vehicle which is at any time used for hire or reward. Motor Cycle a mechanically propelled vehicle (not being an invalid carriage), with or without a sidecar, with fewer than four wheels of which the weight unladen does not exceed 410 kilograms. Period of Insurance The period of Insurance stated on Your policy schedule. Territorial Limits United Kingdom, Channel Islands and Isle of Man. We, Us, Our, Insurer UK General Insurance Ltd on behalf of Ageas Insurance Limited. You, Your, Insured, Policyholder The person(s) whose name appears on the policy schedule and has been accepted for cover under this insurance policy. Loss of Driving License Cover What is Covered The Insurer will indemnify the Insured in respect of alternative travel costs incurred by the Insured up to a the limit shown in the Schedule for a period not exceeding six months, if, during the Period of Insurance stated in the Schedule, the Insured has been temporarily or permanently prevented from driving as a result of: (i) incapacitating injury caused by accidental external forcible or violent visible means, excluding any injuries sustained while in control of or as a passenger on a motorcycle; (ii) disqualification under the provisions of Section 35 of the Road Traffic Offenders Act 1988 (totting up procedure) or disqualification under the provisions of Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the said Road Traffic Offenders Act 1988 (speeding) (or any amendments thereof) or such disqualification under any similar legislation in force in Scotland, Northern Ireland or the Channel Islands. Provided that: (i) In respect of this section, the incident from which the claim arises occurs whilst the Insured was driving or in control of a Motor Vehicle or Motor Cycle of which he/she was the owner or which he/she was authorised to drive. If an incident shall occur during the Period of Insurance but the Insured is disqualified from driving as a result of such incident after the Period of Insurance, then provided that the Insured shall have notified the incident to the Insurer in accordance with the terms 14

16 Section 4 Driving License Loss and Key Cover (continued) and conditions of this policy, then such disqualification shall for the purposes of this policy be deemed to have occurred during the Period of Insurance; (ii) the Insurer shall only indemnify the Insured for alternative travel costs incurred whilst the Insured is temporarily prevented from driving and PROVIDED FURTHER that the Insured shall supply to the Insurer such evidence as the Insurer may require of the period of disqualification or revocation or incapacitating injury and the travel costs incurred; (iii) the Insurer shall only be liable to pay for the travel costs incurred under this section in respect of any one claim, or in respect of any one incident or a series of incidents arising out of any one event, and PROVIDED FURTHER that the Insurer's maximum liability shall not exceed the amount per annum shown in the Schedule under the heading sum insured. Exclusions The Insurer shall be under no liability; 1. In respect of the Insured if: (a) he/she has not yet reached the age of 21 years; (b) he/she is not the holder of a full Driving License or full motorcycle license valid in the United Kingdom or the Channel Islands; (c) he/she has not held a full Driving License valid in the United Kingdom or the Channel Islands for a period of at least one year; (d) he/she is not resident in the United Kingdom or the Channel Islands; (e) he / she is not legally entitled to drive the Motor Vehicle that was being driven at the time of the incident or incidents giving rise to a claim; (f) he / she has the commencement of this policy, more than eight penalty points for an offence or offences committed within the previous three years endorsed on Your Driving License. 2. Unless the incident from which any claim arises occurs: (a) after the date of commencement of this policy; and (b) at a time when the Insured has duly paid all premiums due to the Insurer. 3. In respect of any claim arising outside of the Territorial Limits; 4. For any period of disqualification or incapacity which exceeds twelve months; 5. For alternative travel costs incurred as a result of the Insured being temporarily or permanently prevented from driving following a conviction for driving or being in charge of a Motor Vehicle or Motor Cycle whilst unfit through drink or drugs or with excess alcohol or for failing to provide a specimen of breath, blood or urine for analysis or dangerous or reckless driving, whether or not such conviction is the sole reason for disqualification; 6. For alternative travel costs incurred as a result of disqualification where some all or any of the penalty points acquired by the Insured relate to any offence other than a speeding offence endorsed by the court conviction codes SP10, SP20, SP30, SP40 and SP50 as may be amended from time to time. Notwithstanding the above, it is specifically noted that cover hereon is extended to include penalty points incurred as a result of using a mobile phone whilst in control of a Motor Vehicle, but only if the Insured can prove that he was stationary at the time; 7. If the Insured has, prior to the commencement of this policy, had his/her Driving License revoked under Section 93 of the Road Traffic Act 1988 (or any amendment thereof), or any similar provision in force for Northern Ireland or the Channel Islands or had been given notice that his/her Driving License may be revoked or had been recommended by any doctor not to drive; 8. If the Insured is over age 70 at the time of the claim; 9. If the Insured had any relevant disability or prospective disability which was known to the Insured prior to commencement of the policy unless it had been declared to and accepted in writing by the Insurer; 10. If the Insured was incapacitated or had any physical or mental defects or infirmity which was known or ought to have been known to the Insured prior to commencement of the policy unless it had been declared to and accepted in writing by the Insurer; General Conditions (1) The Proposal and Declaration made by the Insured as part of his application for DriveProtect membership are the basis of and shall form part of this policy. (2) Liability of the Insurer hereunder shall be conditional upon the Insured observing the terms and conditions of this policy. The policy and any Schedule attaching hereto are to be read as one contract. 15

17 Section 4 Driving License Loss and Key Cover (continued) (3) The Insured shall within 30 days of such an incident give notice in writing to the Insurer of any incident which may give rise to a claim under this policy or upon the receipt of a Complaint, Summons, Notice of Prosecution or other communications concerning proceedings for an offence which may result in the penalty points endorsable on his/her license totaling twelve or more, and within seven days of request by the Insurer provide such details and documents in connection therewith as the Insurer may require. Such notification shall be sent to Supercover Insurance Ltd, at the address shown on the Schedule. (4) (a) The Insurer shall be entitled, at any time, to require the Insured to provide at his/her expense such evidence as the Insurer may require of any disqualification or incapacity through injury. (b) Where a claim is made by the Insured under this policy, the Insured shall supply to the Insurer a copy of his Driving License and all such invoices and other information, including such medical reports as may be appropriate to establish incapacity, requested by the Insurer to verify the claim and the amount of the claim. (5) In the event of any claim in accordance with the conditions of this policy, the Insured shall, at the request and expense of the Insurer, take or permit to be taken all such steps as may reasonably be required by the Insurer for the purpose of enforcing any rights against or of obtaining any relief or indemnity from any person, to which the Insurer shall, upon providing to the Insured any such payment, become entitled by subrogation. (6) If, at the time of any claim under this policy, there be any other insurance effected by or on behalf of the Insured, (or which would be effective but for the existence of this policy) covering similar benefits Insured hereunder the liability of the Insurer shall be limited to the extent of any excess beyond the amount payable (or the amount which would have become payable) under such other insurance. (7) (a) If an Insured person is disqualified from driving under Section 35 of the Road Traffic Offenders Act 1988 (or any amendment thereof) or any similar provision in force for Northern Ireland, the Channel Islands or the Isle of Man by reason of the penalty points endorsed on his/her Driving License totaling twelve or more or for speeding under Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (or any amendment thereof) or any similar provision in force for Scotland, Northern Ireland or the Channel Islands, he/she shall not re-qualify for the cover provided under Section 1 of this policy until the expiration of the disqualification period from the date of his/her last previous conviction for the offence leading to or causing the disqualification. (b) Where the Insured has nominated in writing a person to act as a driver in the event of a claim under Section 1: (i) The Insurer may, instead of accepting such persons, nominate a person of the Insurer's own choice; (ii) the Insured shall produce to the Insurer such documentation to confirm that the driver has been employed by the Insured directly or on a self employed/contractor basis and that the Insured is complying with all taxation and National Insurance regulations as may be in force; (iii) the Insurer may require such documentation as to confirm that monies claimed by the Insured have been passed to the driver. (c) Where the Insured is using methods of transportation other than a person to act as driver in the event of a claim under Section 1: (i) the Insured shall obtain an account listing the daily use and cost of journeys made; (ii) the Insured shall produce such substantiation as to confirm that the persons/ companies used to maintain his/her mobility are licensed and Insured for the purpose of providing vehicles and drivers for hire and gain. (8) If the premium due hereunder (whether paid annually, quarterly or monthly) remains unpaid after the date upon which it, or any part of it, becomes due and payable (whether or not demanded by the Insurer) this policy shall be deemed to be cancelled forthwith. (9) This policy is not transferable and no premium or portion of a premium paid by the Insured is in any circumstances refundable. (10) You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to: a) supply accurate and complete answers to all the questions We or the Administrator may ask as part of Your application for cover under the policy; b) to make sure that all information supplied as part of Your application for cover is true and correct; c) tell Us of any changes to the answers You have given as soon as possible. Failure to provide answers in-line with the requirement of the Act may mean that Your policy is invalid and that it does not operate in the event of a claim. (11) Payment to the Insured by the Insurer for an Insured benefit shall be a valid discharge of the Insurer's liability. (12) The Insurer will give notice of renewal in writing at least 21 days prior to the renewal date and, unless the Policyholder requests otherwise in writing, will automatically renew policies paid for by direct debit, standing order, or credit/debit card. 16

18 Section 4 Driving License Loss and Key Cover (continued) (13) The declarations made by the Insured whether verbal, online or written are the basis of and are incorporated in this contract. (14) This policy shall be subject to and construed in accordance with the laws of England and Wales. Any dispute between the Insured and the Insurer shall be referred to a single arbitrator who shall be appointed by the parties in accordance with the statutory provisions in that behalf for the time being in force. Where any difference is by this Condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action against the Insurer. (15) No claim for benefits under this policy may be made until the Insured has paid all premiums due for the Period of Insurance. Key Cover What is Covered This policy provides cover up to 1,500 in the event that any Insured keys are accidentally lost, stolen or accidentally damaged. If, during the Period of Insurance and within the Territorial Limits, an Insured key is accidentally lost, damaged or stolen, the Insurer will: a) Pay up to 1,500 in respect of locksmiths charges, new locks (if a security risk has arisen) and replacement keys (including any immobiliser, infra-red handset and/or alarm which is integral to any Insured key if it cannot be repaired or reprogrammed), onward transport costs and the re-programming of immobilisers, infra-red handsets and alarms which are attached to the Insured key(s) at the time of the Insured event but are not integral to an Insured key. b) Up to three days car hire if You are stranded or Your car is unusable as a result of lost, stolen or damaged keys. c) Pay a 10 reward to the finder of a lost Insured key. Exclusions The Insurer shall be under no liability for; 1. any amount which exceeds 1,500 in total in any one Period of Insurance; 2. any claim made, or any Insured event causing the need for a claim to be made, which occurs within 14 days from the start date of the policy; 3. sums claimed where it is not possible to produce receipts or invoices for payments made by the Insured; 4. Insured keys which are lost until 48 hours have elapsed since the loss; 5. Insured keys lost or broken by, or stolen from, someone other than the Insured; 6. Any costs other than the replacement of Insured keys where You have access to duplicate keys; 7. any Insured event not reported to the claims Administrator within 30 days of the accidental loss, theft or accidental damage; 8. locks which are damaged prior to the accidental loss, theft, or accidental damage of Insured keys; 9. replacement locks or keys of a higher standard or specification than those replaced; 10. sums exceeding 50 per incident in respect of any Insured key(s) locked inside a property or broken in a lock or ignition; 11. vehicle hire charges where a hire vehicle exceeds 1600cc; 12. the balance of vehicle hire charges over a maximum sum of 40 per day; 13. vehicle hire charges after the third day of hire; 14. charges or costs incurred where the claims Administrator arranges for the attendance of a locksmith or other tradesman, agent or representative at a particular location and the Insured does not attend; 15. charges or costs incurred where the Insured has made alternative arrangements with a third party after the claims Administrator has arranged for a locksmith or other tradesman, agent or representative to attend a particular location; 16. the balance of transport costs over a maximum sum of 75 per day; 17. loss or destruction of, or damage to, any property other than an Insured key and its associated lock or ignition system, and any immobiliser, infra-red handset and/or alarm attached to the Insured key; 18. loss or damage caused by radiation, radioactive contamination or the hazardous properties of any explosive, corrosive, invasive or toxic substance or material; 17

19 Section 4 Driving License Loss and Key Cover (continued) 19. loss or damage caused by war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, terrorism, rebellion, revolution, military force or coup, or the actions of any lawful government or public or local authority; 20. any loss of earnings or profits suffered by the Insured as a result of the accidental loss, theft, or accidental damage to an Insured key; 21. claims arising from any deliberate or criminal act or omission by the Insured; 22. accidental loss, theft of, or accidental damage to an Insured key which occurs outside the Period of Insurance; 23. claims arising as a result of failure by the Insured to take steps to safeguard an Insured key. Cancellation If You decide that for any reason, this policy does not meet Your insurance needs then please return it to the Administrator within 14 days of issue. On the condition that no claims have been made or are pending, We will then refund Your premium in full. If You wish to cancel Your Policy after 14 days You will be entitled to a pro- rata return of premium. The Insurer shall not be bound to accept renewal of any Insurance and may at any time cancel any insurance document by sending 14 days notice to the Insured at their last known address. Provided the premium has been paid in full the Insured shall be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance. How to Make a Claim Claims should be reported in writing to Supercover Insurance Ltd at the address given below, and in the first instance may be reported by telephone by contacting the helpline on Claims Department 602 Cumberland House 80 Scrubs Lane London NW10 6RF Tel: driveprotect@supercoverinsurance.com UK General Insurance Ltd are an insurers agent and in the matters of a claim act on behalf of the Insurer. How to Complain It is the intention to give You the best possible service but if You do have any questions or concerns about this insurance or the handling of a claim You should contact: Complaints Department 602 Cumberland House 80 Scrubs Lane London NW10 6RF Tel : complaints@supercoverinsurance.com If Your complaint cannot be resolved by the end of the next working day, Your agent will pass it to: Customer Relations Department UK General Insurance Limited Cast House Old Mill Business Park Gibraltar Island Road Leeds LS10 1RJ Tel: customerrelations@ukgeneral.co.uk 18

20 Section 4 Driving License Loss and Key Cover (continued) If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service. This also applies if You are Insured in a business capacity and have an annual turnover of less than 2million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London, E14 9SR. The above complaints procedure is in addition to Your statutory rights as a consumer. For further information about Your statutory rights contact Your local authority Trading Standards Service or Citizens Advice Bureau. Compensation Scheme Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit Data Protection Act 1998 Please note that any information provided to Us will be processed by Us and Our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. 19

21 Section 5 Loss of Keys Insurance For all information regarding the benefits and terms and conditions of this insurance cover, please refer to the LOSS OF KEYS INFORMATION SHEET, contained within your Membership Pack which will have been sent to you by our Key Cover Partners. 20