VOLVO CAR INSURANCE. Your complimentary 7 Day Driveaway cover

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1 VOLVO CAR INSURANCE Your complimentary 7 Day Driveaway cover

2 VOLVO CAR INSURANCE DESIGNED FOR YOU AND YOUR VOLVO You ve made a great choice in buying a Volvo. Now we are giving you the opportunity to make another by giving it the insurance that will ensure its warranty is protected and its safety features remain intact. 2

3 ACTIVATE YOUR COMPLIMENTARY 7 DAY DRIVEAWAY COVER TODAY THE ADVANTAGES OF 7 DAY DRIVEAWAY COVER Free cover for 7 days from the moment you pick up your car Gives you more time to arrange your annual insurance Available on new and used cars Speeds up dealer delivery process of your vehicle TO ACTIVATE YOUR COMPLIMENTARY 7 DAY COVER AND GET A QUOTE ON 5-STAR VOLVO CAR INSURANCE CALL See page 6 for eligibility criteria. Opening hours: Mon Fri 08:00 20:00, Sat 09:00 16:00, Bank Hols 08:00 17:00 excluding Good Friday, Christmas Day, Boxing Day and New Year s Day. 3

4 WHY SHOULD I CHOOSE VOLVO CAR INSURANCE? Volvo Car Insurance is designed around you and has been awarded a 5 Star Rating by Defaqto*, making it one of the best policies on the market. 4

5 KEY BENEFITS INCLUDE: All repairs carried out at Volvo approved Body and Paint Centres Only genuine Volvo parts used that come with a 3-year guarantee A new replacement car for stolen or written-off vehicles within the first 12 months for a Volvo purchased from new Free transfer of cover for a courtesy car while your own is being serviced by a Volvo franchised service department Unlimited cover to replace locks if your car keys are stolen Free legal advice whenever you need it Up to 31 days cover anywhere in the European Union without paying extra A UK-based claims team available 24 hours a day Switch to annual Volvo Car Insurance today and, if your current insurer charges a cancellation fee, we ll refund up to 100 towards the cost^ TO ACTIVATE YOUR COMPLIMENTARY 7 DAY COVER AND GET A QUOTE ON 5-STAR VOLVO CAR INSURANCE CALL *Defaqto is a leading independent financial research company in the UK. Cover described is for Comprehensive policies using Volvo approved Body and Paint Centres. ^See page 15 for T&Cs of the switcher offer. 5

6 VOLVO CAR INSURANCE 7 DAY DRIVE AWAY POLICY ELIGIBILITY CRITERIA To qualify for FREE 7 Day Driveaway cover you must satisfy the following criteria: The vehicle you are insuring: Has not been modified or had any changes which affect the vehicle s speed, performance or acceleration (excludes Volvo vehicles with Polestar upgrades which are eligible if you meet all other criteria) Is less than 17 years old Is not used for hire and reward, commercial travelling or in connection with the motor trade Is registered/owned by you or your partner You and the other driver must: Not have been refused motor insurance or had a policy cancelled or voided Not have been convicted of (or have prosecution pending for) fraud or dishonesty of any kind Hold a pass plus certificate, if under 21 years of age Have a full UK or EU Licence that has been held for at least one year Not have been disqualified from driving in the last 5 years Be permanently resident in the UK Not have had more than 1 fault or 1 theft claim in the past 3 years, meet the eligibility criteria above and have no convictions other than speeding (SP10-50 conviction codes) or more than 6 points on your licence. Other convictions may be acceptable and must be advised to the Customer Manager when you call. In some circumstances additional eligibility criteria may be applied. Terms and conditions are available on request POLICY SUMMARY The Volvo Car Insurance FREE 7 Day Driveaway cover is underwritten by Royal & Sun Alliance Insurance plc. The cover provided by Volvo Car Insurance Free 7 Day Driveaway is Comprehensive: Loss or damage cover for your car and third party liability protection for injury or damage insured drivers may cause to others or their property The following tables provide a summary of the main policy benefits, terms and conditions. For full details of these and all the terms and conditions that apply, please read the policy document, a copy of which will be provided on completion of your contract or at any time on request 6

7 TABLE 1 SIGNIFICANT FEATURES AND BENEFITS The following will automatically be included in your policy: Features and Benefits Significant Exclusions or Limitations Policy Section Comprehensive In-car Equipment Covers audio, telephone, satellite navigation systems and visual entertainment equipment. All in-car equipment, except for portable satellite navigation systems, must be permanently fitted in your car All portable satellite navigation systems must be stored out of sight in either a locked boot or locked glove compartment when there is no one in your car Limited to satellite navigation equipment designed primarily for use in your car 3 Temporary Hire Car While the car is being repaired at a Volvo approved Body and Paint Centre or by one of our recommended repairers, following an insured accident. What you should do if there is an accident or a theft. Windscreen Cover Repairs are free of charge with our Glass Helpline. For replacement you will have to pay the first amount of any claim shown See other important information for the excess applicable. 4 Immediate Repair Authorisation and a 3 year guarantee on all repairs Available only if the car is repaired at a Volvo approved Body and Paint Centre or by one of our recommended repairers. What you should do if there is an accident or a theft. 7

8 For full details of these and other exclusions and limits please read the policy document. TABLE 2 SIGNIFICANT EXCLUSIONS AND CONDITIONS Loss or Damage to your Car What is Not Covered Policy Section Loss or Damage to your Car Cover excludes the costs of wear and tear, loss of value, parts breaking down or failing You must also protect the car against loss or damage and it must be locked and the key(s) removed if no one is in it Any loss or damage as a result of a public authority legally removing, keeping or destroying your car Loss or damage resulting from your car being taken, without your permission, by: - your partner; - your boyfriend or girlfriend; - your children (including step and foster children); - domestic staff in your employ; - anyone who normally lives with you; - or a member of your family Cover will not apply while driving under the influence of drugs or alcohol 3 Use of the Car Cover will not apply if the car is being used for a purpose, or is being driven by a person not covered by the policy. 1 & 3 Excesses and Limits Your policy may be subject to excesses, which are the amounts you must pay in the event of a claim see other important information for the excesses applicable. Also, certain limits may apply. 1 & 3 8

9 IMPORTANT INFORMATION YOUR RIGHT TO CANCEL THE POLICY As the policy is for a period of less than one month, there are no statutory cancellation rights. CLAIMS Should you wish to claim under your Volvo Car Insurance 7 Day Free Driveaway policy, you should call the Claims Helpline on as soon as possible. You must give us any information or help that we may ask for. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy document. COMPLAINTS If you believe that we have not delivered the service you expected, we want to hear from you so that we can try to put things right. If you have cause for complaint you should initially contact the person who arranged the policy for you or the manager of RSA at the address shown on your quotation or schedule, as appropriate. In the unlikely event that they are unable to resolve your concerns, your complaint will be referred to our Customer Relations Team who will arrange for an investigation on behalf of our Chief Executive. If they cannot resolve the matter to your satisfaction, they will provide you with our final response so that you can, if you wish, refer the matter to the Financial Ombudsman Service. This does not affect your right to take legal action. RSA Customer Relations Team PO Box 255 Wymondham NR18 8DP Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR COMPENSATION Royal & Sun Alliance Insurance plc is a member of the Financial Services Compensation Scheme (FSCS). This provides compensation in case any member goes out of business or into liquidation and is unable to meet any valid claims against its policies. You may be entitled to compensation if we cannot meet our obligations, depending on the circumstances of the claim. Further information about the compensation scheme can be obtained from the FSCS. Continued overleaf 9

10 OTHER IMPORTANT INFORMATION TERMINATION OF THE CONTRACT You may cancel this policy by returning the Temporary Cover Note to us. THE LAW AND LANGUAGE APPLICABLE TO THE POLICY Both you and we may choose the law which applies to this contract. However, unless you and we agree otherwise, the law which applies is the law applicable in the part of the United Kingdom, Channel Islands or Isle of Man in which you live. Full details will be provided in your policy documentation. The language used in this policy and any communications relating to it will be English. FINANCIAL SANCTIONS Please note that Royal & Sun Alliance Insurance plc is unable to provide insurance in circumstances where to do so would be in breach of any financial sanctions imposed by the United Nations or any government, governmental or judicial body or regulatory agency. Full details will be provided in your policy documentation. ENDORSEMENTS TO YOUR POLICY Section 9 No-claims discount. This section is removed from the policy wording and replaced with: Section 9 No-claims discount. If no incident occurs during the period of insurance which results in a claim, your no-claims discount will not increase. If an incident occurs during the period of insurance which results in a claim, your no-claims discount will reduce in line with our usual scale. You cannot transfer your no-claims discount to anyone else. Conditions which apply to your whole policy -H. Other insurance This section is removed from the policy wording and replaced with: Conditions which apply to your whole policy -H. Other insurance - If a claim under your policy is also covered by other insurance, this policy is void from the effective start time and date of such insurance. POLICY LIMITS Third Party Property Damage: 20,000,000 (including costs) Personal Effects: 200 Medical Expenses: 200 In-car Equipment: 750 Emergency Overnight Accommodation: 50 per person/ 250 for all people in car Replacement locks following theft of keys: Unlimited EXCESSES Accidental Damage Excess: 500 Fire Excess: 100 Theft Excess: 100 Windscreen or Window Glass Excess: 60 10

11 The following excesses are in respect of the young and inexperienced drivers. These are applied in addition to the Accidental Damage Excess: Drivers years old: 300 Drivers years old: 200 Drivers years old: 150 POLICY SECTIONS APPLYING Legal Liability to Others Loss and Damage Windscreen Cover Medical Expenses Personal Effects No Claim Discount Replacement Locks HOW WE USE YOUR INFORMATION Please read the following carefully as it contains important information relating to the details that you have given us. You should show this notice to any other party related to this insurance. WHO WE ARE This product is underwritten by Royal & Sun Alliance Insurance plc. You are giving your information to Royal & Sun Alliance Insurance plc, which is a member of the RSA Group of companies (the Group) and Volvo Car UK Limited. In this information statement, we us and our refers to the Group and Volvo Car UK Limited unless otherwise stated. HOW YOUR INFORMATION WILL BE USED AND WHO WE SHARE IT WITH Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties. If you contact us electronically, we may collect your electronic information identifier e.g. Internet Protocol (IP) address or telephone number supplied by your service provider. We may use and share your information with other members of the Group to help us and them: Assess financial and insurance risks; Recover debt; Prevent and detect crime; Develop our services, systems and relationships with you; Understand our customers requirements; Develop and test products and services; If you have provided driver licence number(s), we will use the number(s) to obtain details from the DVLA We do not disclose your information to anyone outside the Group except: Where we have your permission; or Where we are required or permitted to do so by law; or To credit reference and fraud prevention agencies and other companies that provide a service to us, our partners or you; or Where we may transfer rights and obligation under this agreement Continued overleaf 11

12 We may transfer your information to other countries on the basis that anyone we pass it to provides an adequate level of protection. In such cases, the Group will ensure it is kept securely and used only for the purpose for which you provided it. Details of the companies and countries involved can be provided on request. Volvo Car UK Limited would like to keep you informed by telephone, post, text or of selected products and services available from them and their carefully chosen suppliers. Royal & Sun Alliance Insurance plc would like to keep you informed by telephone, post, text or of Volvo Car Insurance products and services. If you would prefer not to receive this information from us and have not previously advised us of this, please let us know when you contact us. From time to time we may change the way we use your information. Where we believe you may not reasonably expect such a change we shall write to you. If you do not object, you will consent to that change. We will not keep your information for longer than is necessary. SENSITIVE INFORMATION Some of the information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to carry out the services described in your policy documents. Please ensure that you only provide us with sensitive information about other people with their agreement. CREDIT REFERENCE AGENCIES To determine premium payment rates at quote, renewal and/or any future invitations, we will make checks on the electoral role and data through a credit reference agency. These enquiries will be recorded. FRAUD PREVENTION AGENCIES If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may also access and use this information to prevent fraud and money laundering, for example when: Checking details on applications for credit and credit related or other facilities; Recovering debt; Checking details on proposals and claims for all types of insurance; Checking details of job applicants and employees Please contact the Data Protection Liaison Officer at the address overleaf if you want to receive details of the relevant fraud prevention agencies. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies. 12

13 CLAIMS HISTORY Insurers pass information to the Claims and Underwriting Exchange Register (CUE) run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI). Under the conditions of your policy, you must tell us about any incident (such as an accident, fire, theft or malicious damage) which may or may not give rise to a claim. When you tell us about an incident, we will pass information relating to it to the registers. HOW TO CONTACT US On payment of a small fee, you are entitled to receive a copy of the information we hold about you. If you have any questions, or you would like to find out more about this notice you can write to: Data Protection Liaison Officer, Customer Relations Office, RSA, Bowling Mill, Dean Clough Industrial Estate, Halifax HX3 5WA. MOTOR INSURANCE DATABASE Information relating to motor insurance policies will be added to the Motor Insurance Database (MID) managed by the Motor Insurers Bureau (MIB). MID and the data stored on it may be used by Insurers, the Police, DVLA/DVANI, the Insurance Fraud Bureau or other bodies permitted by law for purposes including, but not limited to: Electronic Vehicle Licensing; Continuous Insurance Enforcement; Law enforcement (prevention, detection, apprehension and or prosecution of offenders); Obtaining information if you are involved in a road traffic accident (either in the UK, the EEA or certain other territories) Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital that the MID holds your current registration number. If it is incorrectly shown on the MID you are at risk of having your vehicle seized. You can check that your correct registration number details are shown on the MID at ROAD TRAFFIC ACT It is an offence under the Road Traffic Act to make any false statement for the purpose of obtaining a Certificate of Motor Insurance or Cover Note. All your answers to our questions are used to determine your eligibility. If any of these details change you must tell us immediately. We may reassess your cover and terms when we are told about changes in your circumstances. If you do not tell us about any changes, or supply information that is not true to the best of your knowledge, your policy may not be valid, you may not be covered in the event of a claim or your cover may be affected. Continued overleaf 13

14 RSA Volvo Car Insurance FREE 7 Day Driveaway cover is underwritten by Royal & Sun Alliance Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority as an insurance company and to undertake insurance mediation under Registration No You can check this on the Financial Services Register by visiting the FCA s website or by contacting the FCA on Volvo Car Insurance FREE 7 DAY Driveaway cover is underwritten by Royal & Sun Alliance Insurance plc (No ). Registered in England and Wales at St. Mark s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. 14

15 TO ACTIVATE YOUR COMPLIMENTARY 7 DAY COVER AND GET A QUOTE ON 5-STAR VOLVO CAR INSURANCE CALL SWITCH TO VOLVO CAR INSURANCE TODAY AND, IF YOUR CURRENT INSURER CHARGES A CANCELLATION FEE, WE LL REFUND UP TO 100 TOWARDS THE COST^ All quotes guaranteed for at least 30 days. The offer of insurance is subject to eligibility criteria. Terms and conditions are available on request. ^1. The offer covers up to 100 of cancellation charges when switching from another insurer. 2. You will be asked to supply in writing within 30 days to RSA proof of the cancellation charge. 3. The offer is only valid when you have purchased an RSA policy over the phone. 4. Once RSA have verified these documents and first payment has been made RSA will refund you the switcher fee. 5. You may lose any No Claims Discount (NCD) entitlement you have accumulated for the current year if you switch insurance provider mid-term. All benefits are subject to our normal terms and conditions, cover level and underwriting criteria. 15

16 VOLVO CAR INSURANCE All you need to activate your complimentary 7 day driveaway cover today. Vehicle model Does this vehicle have a Driver Support Pack fitted? (Please tick if yes) Does this vehicle have City Safety fitted? (Please tick if yes) Vehicle Registration Number Model Year Dealer Tax & Registration Date Agreed Car Collection Date Your Volvo Dealer Number TO ACTIVATE YOUR COMPLIMENTARY 7 DAY COVER AND GET A QUOTE ON 5 STAR VOLVO CAR INSURANCE CALL If you already have Volvo Car Insurance call free on with details of your new vehicle. (Opening hours: Mon Fri 08:00 20:00, Sat 09:00 16:00, Bank Hols 08:00 17:00 excluding Good Friday, Christmas Day, Boxing Day and New Year s Day.) Volvo Car Insurance is underwritten and administered by Royal & Sun Alliance Insurance plc (No ). Registered in England and Wales at St. Mark s Court, Chart Way, Horsham, West Sussex RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded and monitored M (02-15)

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