Document of Car Insurance

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1 Documet of Car Isurace

2 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 happy with the cover ad service you receive. This booklet cotais everythig you eed to kow about your isurace ad how to cotact us. So make sure you keep it safe with your car isurace schedule ad certificate of motor isurace. Exceptioal service Our claims service goes the extra mile - committed to doig the right thig for you, we ll aim to settle claims quickly ad efficietly, eve i the most difficult circumstaces. If you ever eed to make a claim, just call our friedly UK call cetre o Discouts Do t forget that as a LV= customer you ll receive a discout o some other great LV= isurace products. We hope you ll cotiue to be a LV= customer for may years to come. Joh O Roarke Maagig Director Liverpool Victoria Isurace Compay Limited 1 Documet of Isurace car

3 Cotets Page Welcome to LV= 1 Useful iformatio 3 Your car isurace policy 3 Defiitios 3 Territorial limits ad Europea Uio (EU) compulsory isurace 5 Sectio 1 Accidetal damage 5 Sectio 2 Fire ad theft 5 What is ot covered uder sectios 1 ad 2 6 Basis of settlemet sectios 1 ad 2 7 Sectio 3 Liability to other people 8 What is ot covered uder sectio 3 9 Sectio 4 Use by the motor trade, hotels ad car parks 9 Sectio 5 Widscree ad widows 10 Sectio 6 Guarateed courtesy car 10 Sectio 7 Foreig use 10 Sectio 8 Persoal accidet beefits 11 Sectio 9 Medical expeses ad physical assault beefits 11 Sectio 10 Persoal belogigs 12 Sectio 11 No claim discout 12 Sectio 12 Geeral exceptios 13 Sectio 13 Geeral coditios 15 Documet of Isurace car 2

4 Useful iformatio To make a claim (24 hours a day, 365 days a year) (+) if callig from abroad ad your schedule shows Foreig use (sectio 7) as beig icluded Follow these simple steps: 1. Call us as soo after the accidet as possible please have your policy umber ad iformatio about the claim ready whe you call. 2. If your car is stole or maliciously damaged, report this to the police immediately. Take a ote of the officer s ame ad crime referece umber. 3. Speak to us before you make ay arragemets for replacemet or repair. How to make a complait For full details o how to make a complait please see your policy summary ad importat iformatio booklet. Your car isurace policy Please read this documet of car isurace, the schedule, the certificate of motor isurace ad the importat iformatio booklet as oe documet. This is your cotract with us. I retur for your premium we ll give you isurace cover as set out i this booklet accordig to the cover selectios ad period of cover show o your schedule. Your policy is uderwritte by Liverpool Victoria Isurace Compay Ltd. Defiitios Wherever these defiitios appear i this documet of car isurace, they have the same meaig: Accessories parts or products (icludig spare parts) specifically desiged to be fitted to your car. This icludes roof/cycle racks ad roof boxes. Certificate of motor isurace Cotract Documet of car isurace Drivig proof that you have motor isurace as required by law ad forms part of your cotract with us. It also shows the registratio umber of the car we re isurig, who may drive ad what the car may or may ot be used for. the documet of car isurace, the certificate of motor isurace, the isurace schedule ad the importat iformatio booklet. this booklet. icludes beig i charge of a car. 3 Documet of Isurace car

5 Excess Gree card I car etertaimet Mai driver Market value Parter Policyholder Schedule Track days We, our, us You, your Your car the first amout of ay claim you must pay. There may be more tha oe excess, part of which may be a volutary excess chose by you. The total excess will be show o your schedule. the Iteratioal Motor Isurace Card. This is a iteratioally recogised documet that some coutries eed as proof of the miimum compulsory isurace required to drive abroad. radio, cassette, compact or mii disc player, MP3 player, televisio, DVD player, satellite avigatio equipmet ad car telephoes. the perso who drives your car most of the time whether for social purposes ad/or for travel to ad from a place of busiess, duty or study. the cost of replacig your car with oe of the same make, model ad specificatio, takig ito accout the age, mileage ad coditio of your car. To determie the market value, we ll usually ask a egieer for advice ad refer to guides ad ay other relevat sources. We ll cosider the amout you could reasoably have obtaied for the car if you sold it immediately before the accidet, loss or theft ad ot the price you paid for it. your husbad, wife, civil parter or parter you are permaetly livig with. the perso amed as the policyholder o the certificate of motor isurace ad isurace schedule. forms part of your cotract with us ad icludes the: period of cover; ame of the policyholder, drivers ad their use; covictio ad claims history of permitted drivers; details of the isured car; sectios of this documet of car isurace which apply; ay coditios which vary the terms of this documet of car isurace. drivig or use o a motor racig track, circuit, airfield, test veue, derestricted road or at a off road evet. Liverpool Victoria Isurace Compay Ltd. the perso amed as the policyholder o the schedule ad certificate of motor isurace. the isured vehicle show o your schedule. As well as ay vehicle loaed or hired to you uder our Recommeded Repairer Service or by a member of the motor trade while the isured vehicle is i custody of the motor trade for service, repair or MOT. I sectio 3 of your documet of car isurace it also icludes a trailer, carava or broke-dow motor vehicle while they re attached to your car for towig. Documet of Isurace car 4

6 Territorial limits ad Europea Uio (EU) compulsory isurace Territorial limits Except where we say otherwise your isurace applies i Great Britai, Norther Irelad, the Republic of Irelad, the Isle of Ma ad the Chael Islads. This icludes while your car is beig trasported withi ad betwee them. Europea Uio (EU) compulsory isurace If your car is registered ad kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads, we provide the miimum compulsory isurace, icludig whe your car is beig trasported, i: EU coutries; ad ay other coutry which follows EU directives. Your certificate of motor isurace is proof of compulsory motor isurace i EU coutries ad other coutries which follow the EU directive ad are approved by the Commissio of the EU. These coutries are show o your schedule ad your certificate of motor isurace. Sectio 1 Accidetal damage What is covered: If your car ad/or its accessories (icludig whe kept i your garage) are damaged by accidet, vadalism or malicious damage, we may: pay for repairs to your car; or replace what is lost or damaged; or pay the market value of your car at the time of the damage. Whe you accept our paymet, your car becomes our property, uless we agree otherwise. Sectio 2 Fire ad theft What is covered: If your car ad/or its accessories (icludig whe kept i your garage) are lost or damaged by fire, lightig, explosio, theft or attempted theft, we may: pay for repairs to your car; or replace what is lost or damaged; or pay the market value of your car at the time of the loss or damage. Whe you accept our paymet, your car becomes our property, uless we agree otherwise. 5 Documet of Isurace car

7 What is ot covered uder sectios 1 ad 2 We wo t pay for: loss or damage to your car by theft or attempted theft if your car has bee left ulocked; loss or damage to your car by theft or attempted theft if the igitio key or other igitio device is left i, o or attached to or left i the immediate proximity of your car; loss or damage to your car by theft or attempted theft if the egie has bee left ruig; loss or damage to your car by theft or attempted theft if your car has bee left with a widow or roof ope; loss or damage to your car by theft or attempted theft, if we have advised that you must have a workig security or a trackig device whe your car is uatteded your isurace schedule will cofirm if this is required; wear ad tear, your car losig value, or for ay repairs which improve your car beyod its coditio before the loss or damage happeed; mechaical, electrical, electroic or computer failures, breakdows or breakages; damage to tyres caused by brakig, puctures, cuts or bursts; more tha the maufacturer s latest list price i the Uited Kigdom (UK) of ay part or accessory. If such a list price is ot available the most we ll pay is the maufacturer s latest list price i the UK for a equivalet part or accessory; additioal costs caused by the uavailability of ay part or accessory. This icludes the cost of importig ay part or accessory ito the UK; loss or damage to your car caused directly by pressure waves from aircraft ad other aerial devices travellig at soic or supersoic speeds; loss of use of your car or ay other idirect loss, such as travel expeses or loss of earigs; loss or damage to your car caused by deceptio, fraud or trickery, icludig whe you re offerig your car for sale; where your car is drive or used without your permissio by a member of your family or household uless you report them to the police for takig your car without your coset; loss or damage to your car as a result of it beig cofiscated or destroyed by or uder official order of ay govermet, public or local authority; deliberate damage caused to your car by ayoe isured uder your policy; loss or damage as a result of your car beig retured to its rightful ower; loss or damage if you have ot take care to protect your car, see care of your car uder the Geeral coditios sectio; loss or damage to ay trailer, carava or broke-dow motor vehicle whether or ot it is beig towed by or attached to your car; ay additioal damage resultig from your car beig moved by ayoe isured uder your policy after a accidet, fire or theft; the total excess show o your schedule. Documet of Isurace car 6

8 Basis of settlemet sectios 1 ad 2 Owership If your car belogs to someoe else, or is uder a hire purchase or leasig agreemet, we ll pay the legal ower. Repairs Oce we have details of the accidet, if the loss or damage is covered, we ll agree with you how to arrage the repairs to your car. We may use parts or accessories, which are t made or supplied by your car s maufacturer but are of similar type ad quality to the parts ad accessories we re replacig. New car replacemet If you are the first ad oly registered ower, withi 12 moths of buyig the car from ew ad: the estimated cost of repairig the damage is more tha 50% of the maufacturers list price (icludig taxes ad accessories) whe the damage or loss happeed; or it s stole ad ot recovered, we ll replace your car with a ew oe of the same make, model ad specificatio. If oe is ot available i the UK, we ll pay you the price you paid for your car or the curret maufacturer s list price (icludig taxes) whichever is less. Your car will the become our property. I-car etertaimet, telephoe ad satellite avigatio equipmet We ll pay for the loss or damage to i-car etertaimet. If the equipmet was fitted by the maufacturer ad was part of the stadard specificatio of your car whe first registered, we ll provide ulimited cover. If the equipmet was ot part of your car whe first registered ad is either permaetly fitted or portable, we ll pay up to 500. If portable, the equipmet must have bee kept out of sight i the glove compartmet or locked boot at the time of a theft claim. Replacemet of locks ad keys We ll pay for all the locks to be replaced if oe or more is damaged. If your car keys, lock trasmitter or etry card are lost or stole, we ll pay for their replacemet ad for the door ad boot locks to be replaced. This is provided they were ot left i or o your car while it was uatteded, ad care has bee take to safeguard from loss. Child car seats If your car is damaged i a accidet, we ll replace ay child seat i your car, with a ew oe of the same quality, eve if there s o apparet damage. Excesses that apply If your schedule shows that you have a excess you must pay the first part of ay claim. Jourey cotiuatio If your car ca t be drive followig a accidet i the UK, which is covered uder sectios 1 ad 2, to help you cotiue your jourey providig you re 25 miles or more from your startig poit ad destiatio, subject to you providig receipts, we ll reimburse you up to 500 for ay alterative trasport that you arrage. Ay u-receipted costs for alterative arragemets will ot be paid. We ll also provide this extra beefit if the accidet happes withi the EU ad your schedule shows Foreig use (sectio 7) is icluded. 7 Documet of Isurace car

9 Sectio 3 Liability to other people What is covered: As a result of ay accidet ivolvig your car or ay other vehicle your certificate of motor isurace allows you to drive, we ll pay all sums you are legally resposible for: followig death of or bodily ijury to other people; ad up to 20,000,000 for damage to their property. Drivig other cars If your certificate of motor isurace says so, we ll isure you to drive a private car/va i the UK, that you do t ow, is ot registered to you ad ot hired to you uder a hire purchase or retal/leasig agreemet, as log as: you have the ower s permissio to drive the car/va; the car/va is registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; it s ot a va which has bee adapted to carry passegers; the car/va does t exceed 3.5 toes GVW (Gross Vehicle Weight); the car/va has t bee seized or cofiscated by or o behalf of ay govermet or public authority; you re ot covered by ay other isurace to drive it; ad you still have your car, it has t bee stole ad it has t bee damaged to a extet that it s a total loss. The cover is for third party oly, so loss or damage to the vehicle you re drivig is t covered. Other people I the same way as you re isured, we ll isure: ay perso you permit to drive or use your car, as log as this is allowed by your schedule ad certificate of motor isurace; ay passeger travellig i or gettig ito or out of your car; the employer or busiess parter of ay perso who is drivig or usig your car for their busiess, as log as this is allowed by your schedule ad certificate of motor isurace; ad the legal represetative of ay perso who has died if they would have bee etitled to protectio uder this sectio. Legal costs Followig a claim uder this policy, we ll pay your reasoable legal costs ad expeses relatig to: solicitors fees for represetatio at a coroer s iquest, fatal accidet iquiry or court of summary jurisdictio; ad defece of ay legal proceedigs for maslaughter or causig death by dagerous or reckless drivig. Documet of Isurace car 8

10 I assessig whether legal costs ad expeses are reasoable the followig will be cosidered: the level of experiece required of the legal represetatio takig ito accout the ature of the case; the level of costs charged by the legal represetative; whether legal represetatio for a defece of a prosecutio is likely to affect the outcome. Emergecy medical treatmet We ll pay for emergecy medical treatmet required uder the Road Traffic Acts followig a accidet i your car. If this is the oly paymet we make, it wo t affect your o claim discout etitlemet. What is ot covered uder sectio 3 We wo t pay for: ay death, ijury, loss or damage caused directly or idirectly as a result of ay deliberate act by you or ay perso drivig your car; death of or bodily ijury to ay employee arisig out of or i the course of their employmet by ay perso who is covered by this sectio, uless they re a passeger i ay vehicle for which isurace is provided by this sectio; legal resposibility which is covered by ay other isurace; loss of or damage to ay car which is covered by this sectio; loss of or damage to ay trailer, carava or vehicle (or their cotets) whilst beig towed by or attached to ay car which is covered by this sectio; the loss of or damage to ay property which belogs to or is i the care of ay perso who is claimig uder this sectio; legal resposibility, loss or damage whe your car is beig used i the operatioal boudaries of ay airport or airfield except whe required uder the Road Traffic Acts; more tha 20,000,000 for ay oe icidet or series of icidets arisig from oe evet that causes loss or damage to property. This amout is iclusive of all costs ad expeses up to 5,000,000. Sectio 4 Use by the motor trade, hotels ad car parks We ll give you the cover uder sectio 1: Accidetal damage ad sectio 2: Fire ad theft, if show as covered o your schedule, but we wo t apply ay drivig ad use restrictios or ay excess while your car is i the custody ad cotrol of: a member of the motor trade for service/repair/recovery; or a hotel, restaurat, car park or similar commercial orgaisatio for parkig purposes. 9 Documet of Isurace car

11 Sectio 5 Widscree ad widows If show o your schedule, we ll cover damage to the widscree or widow glass ad ay resultat scratchig of the bodywork. As log as there s bee o other loss or damage, a claim uder this sectio wo t affect your NCD. If your widscree or widow glass is replaced, a excess may apply as show o your schedule. If our approved widow glass supplier is t used there ll be a maximum amout we ll pay, full details are show o your schedule. We wo t pay: to repair or replace ay widscrees or widows ot made of glass. Sectio 6 Guarateed courtesy car We ll pay for a courtesy car oly if this sectio is show as covered o your schedule. After loss or damage to your car, if we maage your claim we ll supply ad pay for a courtesy car withi 3 workig days: whilst the repairs are carried out by our Recommeded Repairer Service; or for up to 14 days or util 4 days after paymet has bee issued to you, whichever is sooest, if your car is a total loss ad ca t be drive safely, or is stole ad ot recovered. A courtesy car provided uder this sectio will usually be a small hatchback uder 1200cc. We ll isure the courtesy car for comprehesive cover ad all other policy terms ad coditios will apply this icludes drivers ad their use. You ll pay for the fuel used. You must retur the courtesy car whe the ower or we ask you to. If your isurace expires, you are o loger isured to drive the car. Sectio 7 Foreig use Europea Uio (EU) cover If this sectio is show as covered o your schedule, all other sectios o your schedule will be exteded to apply whilst i EU coutries ad ay other coutry that follows EU directives icludig whe your car is beig trasported. This is subject to your car: beig registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; ad ot kept abroad for more tha 180 days durig your period of cover. Your certificate of motor isurace is proof of compulsory motor isurace i these coutries which are show o your schedule. Documet of Isurace car 10

12 Use i other foreig coutries If you wat to use your car i coutries ot listed o your schedule the as log as we agree, ad you pay ay extra premiums, we ll exted the sectios show as covered o your schedule to apply: i the coutries we ve agreed, icludig whe your car is beig trasported; ad for the period agreed. We ll sed you a gree card as proof of your isurace. If your car is lost or damaged i ay foreig coutry that we ve agreed to give cover for, you may be charged customs duty. If we cover the loss of or damage to your car we ll also refud you the customs duty. Sectio 8 Persoal accidet beefits What is covered: We ll pay the amout show o your schedule if you or your parter are ijured i your car or gettig ito or out of your car, ad withi 90 days, idepedetly of ay other cause, if the ijury results i: death; permaet loss of ay limb above the wrist or akle; or the complete ad irrecoverable loss of sight i oe or both eyes. We ll pay the ijured perso or their legal represetative. We wo t pay: more tha the amout show o your schedule durig ay oe period of isurace; for ay ijury or death resultig from suicide or attempted suicide; if the driver of the car is covicted of a alcohol or drugs related offece as a result of the accidet; or ayoe failig to wear a seat belt whe required by law. Sectio 9 Medical expeses ad physical assault beefits Medical expeses We ll pay up to 250 for you or your passegers for ay medical expeses resultig from a accidet while travellig i your car. This is i additio to the compulsory emergecy medical treatmet fee (see sectio 3). Physical assault beefits Road rage We ll pay 500 if you or your parter are physically assaulted as a result of your car beig i a accidet. We ll pay the ijured perso or their legal represetative. We wo t pay whe the icidet: is caused by a relative or a perso kow to you or your parter; is ot reported to the police as soo as possible; 11 Documet of Isurace car

13 happes outside the territorial limits; or is caused or cotributed to, by aythig said or doe by you, your parter, or by a passeger i your car, after the accidet. Car jackig We ll pay 500 if you or your parter are physically assaulted as a result of your car beig subjected to a theft or attempted theft. We ll pay the ijured perso or their legal represetative. We wo t pay whe the icidet: is caused by a relative or a perso kow to you or your parter; is ot reported to the police as soo as possible; or happes outside the territorial limits. Sectio 10 Persoal belogigs What is covered: We ll pay up to 200 for persoal belogigs i your car if lost or damaged due to accidet, fire, theft or attempted theft. We wo t pay for: the theft or attempted theft of persoal belogigs if your car has bee left ulocked or with a widow or roof ope; the theft or attempted theft of persoal belogigs if your car has bee left with the igitio key/device i, o or attached to or left i the immediate proximity of your car; the theft of persoal belogigs uless they re kept out of sight i the glove compartmet or the locked boot of your car; moey, stamps, tickets, documets or securities; goods, tools, samples or equipmet carried i coectio with ay trade or busiess; i-car etertaimet; property covered uder ay other isurace; or car accessories. Sectio 11 No claim discout If you have a o claim discout (NCD), we ll give you a discout i lie with our NCD scale which is curret at the time of acceptace. The discout wo t apply to our admiistratio costs or to ay additioal optios you ve chose. Your NCD will ot be affected if we oly pay for: emergecy treatmet charges (sectio 3); damage to the widscree or widow glass (sectio 5); or a claim uder breakdow cover; or a claim uder legal expeses. If more tha oe car is isured, the NCD is eared separately for each car i the policyholder s ame. A amed driver does t ear their ow NCD. Documet of Isurace car 12

14 If a claim is still outstadig at the reewal date, we may issue a reewal quotatio with the NCD reduced. Oce the claim has bee settled, foud to be ot your fault ad all outstadig moies repaid, your NCD will be restored ad we ll refud ay extra premium you may have paid. However, whilst your NCD will be restored, your premium may still icrease followig a claim. If a claim is made agaist your policy ad your NCD is t guarateed, your NCD will reduce as follows: cd (years) at the start of cd (years) at the ext reewal your curret period of cover 1 claim 2 claims 3 claims to Guarateed NCD If you re eligible, ad pay the required extra premium, you may choose to guaratee your NCD. If chose, this will be show o your schedule. If your NCD is show as guarateed o your schedule, it wo t be reduced irrespective of the umber of claims made. However, your premium may still icrease followig a claim. If we ve offered the optio to guaratee your NCD ad we re the subsequetly advised of a claim, we may issue a revised quote ad remove the optio. Proof of your NCD etitlemet You should keep your proof of NCD from your previous isurer as we may ask you to provide this at ay time or i the evet of a claim. The proof should be i your ame, be less tha 2 years old ad issued by your previous UK isurer. We may also check ay NCD you ve told us you re etitled to. For further iformatio, refer to Geeral coditios, sectio If you require proof of your NCD eared whilst isured with us, we ll issue it for you, provided you do t owe us ay moey. Sectio 12 Geeral exceptios These geeral exceptios apply to this whole cotract ad they ll apply i additio to the exclusios show uder we wo t pay for i each sectio of this documet of car isurace. 1. Chage of circumstaces otificatio ad acceptace This isurace wo t apply uless: you ve told us about ay chage as listed i Geeral coditios, 13.2; ad we ve agreed to provide cover, issued a schedule ad where appropriate issued a ew certificate of motor isurace. 13 Documet of Isurace car

15 2. Drivig ad use This isurace wo t apply if ay car, your cotract allows you to drive, is beig drive ad/ or used with your permissio: other tha i lie with your certificate of motor isurace ad/or schedule; by ay perso ot described o your certificate of motor isurace ad/or schedule as etitled to drive or i charge of the car; by ay perso who does t have a valid drivig licece, is disqualified from drivig, has ot held a drivig licece or who is preveted by law from holdig a drivig licece; by ay perso who is breakig the coditios of their drivig licece; for hire or reward, racig, pace makig, testig, speed trials, track days or for competig i Natioal British A or Iteratioal rallies; for ay use i coectio with the motor trade other tha by a member of the motor trade for the purposes of overhaul, upkeep or repair; whe towig for paymet/reward a carava, trailer or mechaically disabled vehicle; for towig more tha oe carava, trailer or mechaically disabled vehicle at the same time. 3. Cotractual liability We wo t pay for ay liability resultig oly from a cotract or agreemet you have with aother party. 4. Radioactivity We wo t pay for ay loss, damage, liability or cost directly or idirectly caused by: radiatio or cotamiatio from uclear fuel or uclear waste or from burig or explosio of uclear fuel; the radioactive, toxic, explosive, hazardous or cotamiatig properties of ay uclear istallatio, reactor or other uclear assembly or its compoet part; ay weapo or device usig atomic or uclear fissio or fusio or radioactive force or matter. 5. War, terrorism, riot, civil urest We wo t pay i the evet of: war, civil war, terrorism, rebellio or revolutio except whe required by the Road Traffic Acts; or riot or civil urest that happes outside Eglad, Norther Irelad, Scotlad, Wales, the Isle of Ma or the Chael Islads. Documet of Isurace car 14

16 Sectio 13 Geeral coditios We ll oly provide cover uder this policy if you or ayoe else covered by this isurace meet all the terms ad coditios i this documet of car isurace icludig those show o your schedule. 1. Care of your car You or ay perso i charge of your car must protect your car from damage or loss. Alarms, immobilisers ad trackig devices must always be o ad workig whe your car is left uatteded. Your schedule shows ay security requiremets specific to your policy. If these requiremets are t met, this isurace wo t be valid ad we wo t pay a claim. You must always take the keys out of the igitio ad remove them completely whe the car is left. You should lock all doors ad close all widows ad su-roofs. You should maitai your car i a efficiet ad roadworthy coditio; ad you must have a valid Departmet for Trasport Test Certificate (MOT) if oe is eeded by law. You must give us access to examie your car ad if asked sed us evidece of a valid MOT ad/or evidece the car was regularly maitaied ad kept i a good coditio. 2. Your resposibility to provide correct iformatio Whe applyig for, amedig or reewig this isurace, you must aswer all questios truthfully to the best of your kowledge, icludig questios that apply to ay other perso covered by this isurace. Your schedule shows the aswers you ve provided ad you must let us kow if ay of the details are icorrect as soo as possible after receivig your documets. At reewal, you must also let us kow if ay of the iformatio has chaged, icludig ay claims, covictios or edorsemets for you ad/or ayoe isured uder your policy. Chages you eed to tell us about durig the period of cover You must tell us about the followig as soo as possible: chagig your car; the mai driver has chaged or you wat to add a additioal driver; you chage the registered ower; you chage the way you use your car, eg from social domestic ad pleasure to busiess use; you move house or chage the address of where you keep your car; chages made to your car which improve its value, appearace, performace or hadlig; chage of occupatio, icludig part time work. You wo t be covered followig the above chages uless we ve agreed to provide cover, issued a schedule ad where appropriate, issued you a ew certificate of motor isurace. This meas that, if you do t tell us, we may reject ay claim or reduce the amout of paymet we make. Where we agree to your chage this may result i a additioal or retur premium ad may be subject to a admiistratio fee. Please refer to your schedule for details of charges that may apply. If your chage of circumstaces meas we ca o loger provide cover, we ll give you otice of cacellatio. Please see Geeral coditios 13.9, our right to cacel. 15 Documet of Isurace car

17 Documets ad iformatio you may eed to sed us You must sed us ay documet or iformatio we may require to help us validate your details. Examples of documets or iformatio we may require iclude your drivig licece, drivig licece umber, your vehicle registratio documet, proof of NCD, proof of your address, ad a copy of your utility bill. 3. Misrepresetatio ad fraud If you or ayoe represetig you: provides us with misleadig or icorrect iformatio to ay of the questios asked whe applyig for, amedig or reewig this isurace; deliberately misleads us to obtai cover, gai a cheaper premium or more favourable terms; provides us with false documets; makes a claim or part of ay claim that is fraudulet, false or exaggerated; makes a fraudulet paymet by bak accout ad/or card; we may: agree with you to amed your policy to record the correct iformatio, apply ay relevat policy terms ad coditios ad collect ay additioal premium due icludig ay admiistratio costs; reject a claim or reduce the amout of paymet we make; cacel or void your policy (treat it as if it ever existed), icludig all other policies which you have with us, ad apply a cacellatio charge. Where fraud is idetified, we will also: ot retur ay premium paid by you; recover from you ay costs we ve icurred; pass details to fraud prevetio ad law eforcemet agecies who may access ad use this iformatio. 4. Accidet ad claims procedure You or ay other perso drivig uder this isurace must: give us full details of ay icidet as soo as possible; iform the police as soo as possible if your car or its cotets are stole or maliciously damaged ad provide us with the crime referece umber; sed to us immediately all commuicatios from other people ivolved which must ot have bee replied to; immediately tell us of ad sed to us ay otice of iteded prosecutio, iquest, fatal iquiry or ay writ, summos or process which must ot have bee replied to; ad provide us with relevat iformatio to your claim that we may require to help us validate ad process your claim, such as proof of owership of your car or details of ay chages/modificatios to your car. Documet of Isurace car 16

18 You must ot, without our coset: egotiate or admit resposibility; make ay offer, promise or paymet. We re etitled to: have total cotrol to coduct, defed ad settle ay claim; ad take proceedigs, i your ame or i the ame of ay other perso claimig uder this isurace, at our ow expese ad for our ow beefit to recover ay paymet we have made. 5. Other isuraces If ay loss, damage or liability covered by this isurace is also covered by ay other isurace, we ll oly pay our share. This coditio does t apply to sectio 8 Persoal accidet beefits. 6. Compulsory isurace laws If uder the law of ay coutry we must make a paymet which we would t otherwise have to make, you must repay that amout to us. 7. Car sharig Acceptig paymets from passegers as part of a car sharig arragemet wo t affect your isurace cover if: they re beig give a lift for social or similar purposes; the isured car is t built or adapted to carry more tha eight passegers; this is ot as part of a busiess of carryig passegers; ad ay moey received does t produce a profit. 8. Volutary use Social, domestic ad pleasure use icludes use of the car for volutary purposes. No paymet or icome should be received other tha reasoable expeses to cover ruig costs such as fuel. 9. Cacellatio Our rights to cacel your isurace We ll cacel your isurace from the commecemet or reewal date if you do t pay your premium or deposit o time. We ll also cacel your isurace, by givig you 7 days otice, at your last kow address, if: you do t pay a additioal premium or a istalmet that is due; you or ayoe else covered by this isurace has t met all the terms ad coditios i this documet of car isurace icludig those show o your schedule; a chage i your circumstaces meas that we ca o loger provide cover; we idetify misrepresetatio or fraud or ay attempt to gai a advatage uder this isurace to which you re ot etitled, see Geeral coditios 13.3; you harass or show abusive or threateig behaviour towards our staff; you behave i a maer that makes it iappropriate for us to cotiue your isurace, this icludes failig to co-operate with our accidet ad claims procedure, see Geeral coditios Documet of Isurace car

19 The isurace will ed immediately the 7 days otice rus out ad you must the retur the certificate of motor isurace to us. We ll refud the part of your premium that applies to the remaiig period of cover whe we receive the certificate of motor isurace, uless fraud has bee idetified. If a refud is paid, a cacellatio charge will be deducted from the refud. If a claim has bee made, we ll cacel your cover but may ot refud ay premium. If you re payig by istalmets, you must still pay us the balace of the full aual premium. Your rights to cacel your isurace Up to 14 days after you receive your documets At the start of your isurace, whe you receive your documets, you have 14 days to check you re happy with the isurace cover you ve bought. If the cover does t meet your eeds, you ca cacel your isurace by tellig us. If you do this withi 14 days of receivig your documets, we ll refud ay moey you ve paid less a charge for the cover you ve had ad a cacellatio charge will apply for settig up the policy. A charge wo t be made if you cacel before the cover start date. More tha 14 days after you receive your documets After the iitial 14 days, if you ve ot made a claim, we ll refud ay moey you ve paid, less a charge for the cover you ve had ad a cacellatio charge will apply. If you ve made a claim o refud will be paid. If you are due a refud, we ll sed this to you withi 30 days of you tellig us that you d like to cacel. Please refer to your schedule or policy summary for details of the charges that apply. Reewal of your policy We reserve the right ot to ivite the reewal of your policy. 10. Premium paymet by istalmets if you agree to pay your premium by mothly direct debit or a similar arragemet you must pay ay deposit we ask for ad make sure your istalmet paymets are kept up to date; if you make a claim, we may deduct ay outstadig amouts due to us before payig the claim. 11. Admiistratio charges We ll apply a charge to cover our admiistratio costs i certai circumstaces. Please refer to your schedule for details of the charges. This charge will be added to ay premium due or deducted from ay refud due i respect of the amedmet to your isurace. Documet of Isurace car 18

20 Car Isurace cotact umbers Customer Services Mo-Fri 8am-9pm, Sat 8am-5pm, Su ad bak holidays 9am-5pm Claims 24 hours a day, 365 days a year For Textphoe: dial first. Calls may be recorded for traiig ad moitorig purposes You ca get this ad other documets from us i Braille, large prit or o audiotape by cotactig us. LV= ad Liverpool Victoria are registered trade marks of Liverpool Victoria Friedly Society Limited ad LV= ad LV= Liverpool Victoria are tradig styles of the Liverpool Victoria Group of compaies. Liverpool Victoria Isurace Compay Limited, registered i Eglad ad Wales umber is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority, register umber Registered address: Couty Gates, Bouremouth BH1 2NF. Tel: /13

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