Car Hire Excess Reimbursement Daily Insurance Policy Wording

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1 IMPORTANT This policy is only valid for residents of the Economic European Agreement, (EEA) countries. If you do not live in these countries and purchase this policy, it will be invalid and you WILL NOT BE COVERED. Please also note that if you purchase this policy and make a claim, you will be asked for proof of residence before any reimbursement is paid out. 1. Introduction Car Hire Excess Reimbursement Daily Insurance Policy Wording What is Excess Reimbursement Insurance? Most car rental agreements apply an insurance excess, which is the amount you are responsible to pay towards repair costs if the rental vehicle suffers any damage. Excess Reimbursement is designed to repay you the amount of any excess or repair costs you have to pay under the terms of the rental agreement following damage to the rental vehicle. The Insurer This insurance is underwritten by ANV, Lloyd s Syndicate 5820 which is authorised by the Prudential Regulatory Authority and regulated by the Financial Conduct Authority ( reference number ) and the Prudential Regulatory Authority. This information can be checked by visiting the Financial Conduct Authority website ( which includes a register of all regulated firms, or by contacting them on Insurer s liability This insurance is underwritten 100% by a Lloyd s syndicate, and each member of the syndicate (rather than the syndicate itself) is an insurer. Each member has underwritten a proportion of the total liability for the syndicate, which is the total of the proportions underwritten by all the members of the syndicate taken together. A member is liable only for that member s proportion and is not jointly liable for any other member s proportion. Your insurance documents This is your Insurance Policy. It is only valid when you have also received your certificate. These two documents make up the insurance contract between you and us (the Insurer). Please keep them in a safe place. Language All insurance documents and all communications with you about Excess Reimbursement will be in easy to understand English. Certification of Cover This Policy combined with your certificate certifies that insurance has been effected between you and us. In return for payment of the premium we agree to insure you in accordance with the terms and conditions contained in and endorsed on these documents. This insurance is managed by insurance4carhire which is a trading name of Towergate Underwriting Group Limited. We have entered into a Binding Authority Contract reference number 6025/EW150 with Towergate Underwriting Group Limited under which we have authorised them to sign these documents on our behalf. If you purchased this insurance from an insurance broker then the broker will be authorised by us to issue these documents to you. Signed by Daily XS

2 Edward Cross Underwriting Director Authorised signatory for Towergate Underwriting Group Limited. Claims Jubilese Service Solutions Limited is appointed by us to handle all claims under this insurance. You can find their details in Section 8 How to Make a Claim. Cooling off period If you decide that you do not want this insurance after all, you may return your Excess Reimbursement Insurance documents to Insurance4carhire, Insurance4carhire.com, Ellenborough House, Wellington Street, Cheltenham GL50 1XZ, United Kingdom,14 days of receiving them and cancel the cover. You will receive a full refund of premium as long as you have not made a trip or intend to make a claim or a claim has been made. 2. To qualify for cover 1. To apply for this Excess Reimbursement Insurance you must be the person named as the car club member or the lead named driver on the rental agreement. 2. You can include up to seven additional insured drivers for each trip as long as each additional insured driver is named as a driver on the rental agreement. 3. You and all other insured drivers must be aged between 21 and 85 years of age on the date of purchase of this insurance and must have a full valid driving licence, or hold a full internationally recognised licence to drive the rental vehicle. 4. You must be a permanent resident in European Economic Area (EEA). 5. Cover is not available for rental vehicles valued at more than 65,000, or which are more than 10 years old. 3. Definitions Where we explain what a word means that word will be highlighted in bold print and will have the same meaning wherever it is used in the Policy. Baggage and/or Personal Effects means luggage, clothing, personal effects and other articles normally worn used or carried during any Trip/s and which belong to you (or for which you are legally responsible) Car Rental Company or Agency means a company, which must be fully licensed with the regulatory authority of the Country, State or Local Authority from which it operates, which rents automobiles for a fee. Please note car rental company or agency is different from car club company. Certificate means the document which forms part of the insurance contract between you and us. It contains your name and gives details of the period and territory provided under your Excess Reimbursement Insurance. Damage means damage to the rental vehicle caused by fire, vandalism, accident and theft and it will include loss of use of the rental vehicle. European Economic Area(EEA) means the member counties the EEA: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the United Kingdom. Excess means the amount as stated in the rental agreement that you are responsible for in the event of damage. Page 2

3 Insured Drivers means you and other drivers covered by this Policy as long as they are named on the rental agreement and qualify for cover as specified in Section Two. Keys means Keys, Key Fobs used to open and lock the rental vehicle. Period of Insurance means the period of cover under this Excess Reimbursement Insurance for which we have accepted the premium, as stated in your certificate. Rental Agreement means the contract signed by the lead named driver or and the car rental company or agency for the hire of a rental vehicle for the purpose of business or pleasure. Rental Vehicle means any single automobile hired under a short term contract from a car rental company or agency. This insurance will not cover any rental vehicle that is a motor home, camper van, trailer or caravan, commercial vehicle or truck, motorcycle, moped, motorbike, off-road vehicle, recreational vehicle, high performance vehicle, prestige or exotic vehicle, passenger van or other vehicle with more than 9 seats. Trip/s means the period of a single rental agreement in respect of a single rental vehicle which is collected and rented from a car rental company or agency for the period stated on the rental agreement. We/Us/Our means ANV, Lloyd s Syndicate We are the insurer for your Excess Reimbursement Insurance. You/Your means the person who took out this Excess Reimbursement Insurance and is named as the policyholder on the certificate and who must also be the person named as the car club member or the lead named driver in the rental agreement. 4. When and where cover applies Valid rental agreements This Policy must have been purchased and have commenced, either prior to or to coincide with, the start of a rental agreement for which you wish cover to apply. Maximum rental period This insurance covers you only for rental agreements that are for a period of up to 62 continuous days. Territory covered You are covered only when you use the rental vehicle in the Territory specified in your certificate. This will be one of the following geographical areas: UK: Europe: the United Kingdom of Great Britain and Northern Ireland. all countries to the west of the Ural Mountains including the United Kingdom, Republic of Ireland, Iceland, islands in the Mediterranean, Morocco, Tunisia, Turkey, Canary Islands, Madeira, and the Azores. USA and Canada: this will include the Caribbean, South and Central America. World-wide: anywhere in the World excluding any trip in, to, or through Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Sudan and Zimbabwe. 5. What is covered What you are covered for We will reimburse you up to the Policy Limit stated below for the amount of excess or repair costs you have to pay under the terms of the rental agreement if your rental vehicle is involved in an incident whilst being used for business or pleasure and it results in: Page 3

4 (a) damage to the rental vehicle including damage to the windows, tyres and wheels, headlights, the undercarriage and the roof (b) loss of use of the rental vehicle (c) stowing costs relating to damage or mechanical breakdown Provided that you are held responsible as declared in the rental agreement for the excess. Policy limit the most we will pay We will reimburse you for the excess or repair costs up to a maximum of 4,000 (or equivalent in local currency) for any single incident. You can claim under Excess Reimbursement more than once but in total we will only reimburse you up to a maximum of 5,000 (or equivalent in local currency) during any one annual period of insurance. AUTOMATIC EXTENSIONS TO THE POLICY Your Policy automatically includes cover for the following costs and services: A. Car Rental Key Cover This Policy also covers you, for costs incurred up to a maximum of 500 (or equivalent in local currency), for each and every claim, subject to a maximum of 2,000 in any one period of insurance, for replacing a lost or stolen membership card/key for a rental vehicle, including replacement locks and locksmith charges. B. In-Country Rentals This Policy also covers you where a rental agreement is made in your country of residence. C. Baggage Cover We will indemnify you against theft of or Damage to Baggage and/or Personal Effects as a result of theft or attempted theft, following upon visible and forcible entry. Provided such items are secured in the Rental Vehicle in either a locked boot or glove box only. We will indemnify You for losses incurred during the Period of Insurance up to: 300 in total for any one claim 150 for any single item The maximum payment for any single item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is 75, subject to a maximum 200 for all such items. D. Misfueling Cover This Policy also covers you for costs incurred up to a maximum of 500 (or equivalent in local currency) for each and every claim, subject to a maximum of 2,000 in any one period of insurance, for cleaning out the engine and fuel system and associated towing costs in the event that you put the wrong type of fuel in your rental vehicle. E. Road rage Compensation for physical assault by another person which results in a physical injury as a direct result of an accident involving the rental vehicle. Maximum 1,000 (or equivalent in local currency) F. Car Jacking Compensation for physical assault by another person which results in a physical injury as a result of the rental vehicle being subject to theft or attempted theft. Maximum 1,000 (or equivalent in local currency) 6. What Is Not Covered (EXCLUSIONS) We will not reimburse your excess or any financial loss or expense in the following circumstances: 6.1 If your country of residence is outside the European Economic Area (EEA) or if you or any other insured driver do not qualify for cover as set out in Section Two. Page 4

5 6.2 Where the rental agreement is for a period longer than 62 continuous days. 6.3 Where damage is as a result of willfully self-inflicted injury or illness, alcoholism or the use of alcohol or drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner, (but not for the treatment of drug addiction); exposure to unnecessary danger except in an attempt to save human life. 6.4 If your losses are in respect of any property or expenses that are more specifically insured or any claim which but for the existence of this insurance should be recoverable under any other insurance. 6.5 Where damage arises from operation of the rental vehicle in violation of the terms of the rental agreement, including transporting contraband or illegal trade. 6.6 Where expenses are assumed, waived or paid by the car rental company or agency or car club company or its Insurer. 6.7 For damage to automobiles or other vehicles which are not rental vehicles. 6.8 For damage caused by wear and tear, gradual deterioration, insect or vermin. 6.9 For losses caused by accidental damage to the interior or contents of the rental vehicle Where the rental vehicle is being driven by persons who are not named on the rental agreement Where the value of the rental vehicle exceeds 65,000, or is more than 10 years old If the rental vehicle that is a motor home, camper van, trailer or caravan, commercial vehicle or truck, motorcycle, moped, motorbike, off-road vehicle, recreational vehicle, high performance vehicle, prestige or exotic vehicle, passenger van or other vehicle with more than 9 seats Where the expenses are reimbursed by the insured driver's Employers' Insurer Where damage is the result of driving whilst on an un-made up road that is not designated as a public thoroughfare In respect of AUTOMATIC EXTENSION c) Baggage Cover, cover is not provided for: 1. claims arising from theft or Damage of i) cash (defined as banknotes, currency notes and coins), ii) for Damage to automobiles or other vehicles, which are not Rental Vehicles. iii) valuables (defined as: photographic and video equipment, camcorders, radios and personal stereo equipment, computers, computer games and associated equipment, mobile telephones, telescopes and binoculars, furs, jewellery, watches, and articles made of or containing gold, silver or other precious metals), 2. wear, tear and depreciation of Baggage and/or Personal Effects, 3. claims not reported to an appropriate police authority within 24 hours of discovery and an official police report obtained, 4. claims where evidence of forced entry has not been confirmed by the Car Rental Company or Agency or Car Club Company and/or police, 5. claims arising from theft or Damage of Baggage and/or Personal Effects from Your Rental Vehicle unless taken from a locked boot or glove box. 6. claims recoverable under any other insurance 6.16 In respect of automatic cover Extension E. Road Rage and F. Car Jacking We will not pay You where the physical assault: is caused by a relative or a person known to You; results in a physical injury which is not supported by medical evidence; is not reported to the police within 24 hours of the incident; is contributed to by anything said or done by You or any passenger in your rental vehicle, other than the incident itself. Page 5

6 6.17 If your claim results in any way from war, terrorism or nuclear risk. For the purposes of this exclusion: War means invasion, acts of foreign enemies, hostilities whether war is declared or not, civil war, rebellion, revolution, insurrection, military or usurped power, confiscation, nationalism or requisition or destruction or damage to property by or under the order of any government or public or legal authority. Terrorism means any act of any person or organization involving, causing or threatening harm or putting the public or any section of the public in fear if it is likely that the purpose is of a political, religious, ideological (of an intellectual or rational nature) or similar nature. Nuclear Risk means damage or destruction caused by, contributed to or arising from: (a) ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or (b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or component thereof. 7. Cancellation You may cancel this insurance within 14 days of receiving it (cooling off period) and you will be entitled to a full refund of the premium as long as you have not made a trip or made a claim and do not intend to make a claim. You can cancel at any time after the 14 day cooling off period and we will make a proportionate refund of the premium paid, as long as you have not made a trip or made a claim and do not intend to make a claim. However, such refund may be subject to administration charges from Towergate Underwriting Group Limited and/or your insurance broker if you purchased this Policy through a broker. To cancel cover please contact: Insurance4carhire.com, Ellenborough House, Wellington Street, Cheltenham GL50 1XZ, United Kingdom, telephone: or contact your insurance broker if you purchased this Policy through a broker. We may cancel your policy at any time by giving you seven days' written notice to your last known address (or mailing address if you do not have an address) provided by you. We will allow a proportionate refund of any premiums paid for the insurance cover remaining, as long as you have not made any claims. 8. How to Make a Claim Step one check your Certificate Read this Policy and your certificate first so that you are satisfied that you are covered for the claim you want to make. Read any Exclusions that may apply and make sure you understand them. Step two notify the claim All claims must be notified to our Claim Administrator, their details are below. You should do this within 31 days of the end of the rental agreement in which the incident happened. If you do not, it might mean that we will be unable to reimburse you for the excess or other losses. Please contact: Claims Department Jubilee Service Solutions Limited PO box 1192, DONCASTER, DN1 9PU Téléphone : (0) Fax : (0) Please tell them the policy reference number which will be shown in your certificate. If you are not sure whether you can claim, please talk to the Claim Administrator who will be happy to help you. Step three after the claim is notified The Claim Administrator will send you a claim form, which you should fill in and send back to them as soon as possible. The paperwork you need to provide. We will need copies of these documents: Your Insurance4carhire insurance certificate Page 6

7 The rental agreement Your Charge Receipt (if separate from the rental agreement) Police Report if the incident by law required the Police to attend The accident report from the car rental company or agency or car club company Invoices/Receipts/other documents confirming the amount you have paid in respect of damage for which the car rental company or agency or car club company holds you responsible Your credit card statement showing payment of the damages claimed Driving licence for the insured driver involved in the accident Bank account details Please provide the name and address of your bank together with the sort code and account details. This will assist reimbursement as we prefer to make the payment directly to your bank. PLEASE NOTE: FAILURE TO FOLLOW THESE STEPS MAY DELAY AND / OR JEOPARDISE THE PAYMENT OF YOUR CLAIM. 9. Claims Conditions 9.1 Claims conduct You must give our Claim Administrator any information or help that they ask for and you must not settle, reject, negotiate or agree to pay any claim without their written permission. No person is entitled to admit liability on our behalf or to give any representations or other undertakings binding upon us except with our written consent. We shall be entitled to the absolute conduct, control and settlement of all proceedings arising out of or in connection with claims in your name or the name of any insured driver. 9.2 Right of recovery We may at own expense take proceedings in your name or the name of the insured driver to recover compensation from any Third Party in respect of any indemnity provided under this Insurance and any amounts so recovered shall belong us. You and/or the insured driver must provide all reasonable assistance to us. 9.3 Other insurance If you were covered by any other Insurance for the same excess we will only pay our share of the claim. 9.4 Keeping to the Terms We will only give you the cover that is described in this Policy if you comply with all its terms. 9.5 Fraudulent Claims or Misleading Information We take a robust approach to fraud prevention in order to keep premium rates down. If any claim under this insurance is fraudulent or is intended to mislead, or if any misleading or fraudulent means are used by you or anyone acting on your behalf to obtain benefit under this insurance, your right to any benefit under this insurance will end, your cover will be cancelled and we will be entitled to recover any benefit paid and costs incurred as a result of any such fraudulent or misleading claim. We may also inform the police. 10. Service and Complaints Service Every effort is made to provide you with a high standard of service. Complaints about policy matters If you wish to make a complaint about any aspect of this insurance other than a claim, please contact: The Managing Director, Insurance4carhire, Ellenborough House, Wellington Street, Cheltenham GL50 1XZ, United Kingdom, telephone: Page 7

8 Complaints about a claim If you wish to make a complaint about a claims matter, please contact the Claims Administrator. Here are their details: The Managing Director Jubilee Service Solutions Limited Boîte Postale 1192, DONCASTER, DN1 9PU Téléphone : +44 (0) Fax : +44 (0) The Claim Administrator has internal complaints handling procedures that you can ask to see. If you have any disability that makes communication difficult, please tell the Claim Administrator and they will be pleased to help. If you remain dissatisfied If the complaint is not resolved it can be referred to Lloyd s. The contact details are: Policyholder & Market Assistance Lloyd s Market Services One Lime Street London EC3M 7HA. Tel: Fax Complaints that cannot be resolved by Lloyd s may be referred to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel Further details will be provided at the appropriate stage of the complaints process. This complaints procedure does not affect your legal rights. 11. Legal and Regulatory Information Law and Legal Proceedings Applicable Under the laws of the United Kingdom both you and we may choose the law which applies to this contract, to the extent permitted by those laws. Unless you and we agree otherwise, the law which applies to this contract is the law which applies to the part of the United Kingdom in which you live. Any legal proceedings between you and us in connection with this contract will, therefore, only take place in the courts of the part of the United Kingdom in which you live. Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we are unable to meet our obligations to you under this contract. Further information can be obtained from The Financial Services Compensation Scheme, 7 th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN Tel: Website: Data Protection Act Information you supply may be used for the purposes of insurance administration by the Data Controller (as defined under the Act). It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing compliance with any regulatory rules/codes. Your information may also be used for crime prevention. For any of these purposes, your information may be transferred to countries that do not have stringent data protection laws. If this is necessary, the Data Controller will seek assurance from that party as to the security surrounding the handling of your information before it proceeds. On payment of the appropriate fee, you have the right to access and if necessary rectify information held about you (this is known as a Subject Access Request). Please contact our Compliance officer, in writing, to exercise these rights. Page 8

9 In assessing any claims made, we or our associated companies or agents may undertake checks against publicly available information (such as electoral roll, county court judgements, bankruptcy or repossessions). Information may also be shared with other insurers either directly or via those acting for us (such as loss adjusters or claims investigators). When your insurance ends all information held about you (including information held on systems) will be destroyed or erased after a period of 7 years. The Data Controller s associated companies and agents will be advised to do the same. Personal Data held on customers may be used for research and statistical purposes but only with the explicit consent of the customer would this take place. Page 9

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