HSBC Private Car Insurance. Summary of cover

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1 HSBC Private Car Insurance Summary of cover

2 2 HSBC Private Car Insurance This is a generic summary of cover and does not contain the full terms and conditions of the cover which can be found in the policy documentation. A specific Policy Summary, Schedule of Insurance and Policy Wording will be available once you have completed the quotation process. It is important that you read these documents carefully, and retain them in a safe place. Name of insurer HSBC Car Insurance is arranged and administered by BISL Limited who use a panel of car insurers. The insurers of this policy will be shown on your Schedule of Insurance. Type of cover You can select from three types of cover depending on your needs: Comprehensive This provides cover for accidental damage, malicious damage and fire and theft cover for your car and third party liability protection for injury or damage you may cause to others. Third Party Fire and Theft This provides cover for fire and theft cover for your car and third party liability protection for injury or damage you may cause to others. Third Party Only This provides third party liability protection for injury or damage you may cause to others. All applicable excesses and any additional amount you have agreed to pay will be shown within your policy booklet or on your policy schedule. All driving restrictions shown on your certificate of insurance will also apply.

3 3 Significant features and limitations The summary below shows the significant features and limitations and is dependent on the level of cover selected Cover Policy section Significant features or limitations Comprehensive Third party, fire & theft Third party only Liability to others 1 Limited for 20 million third party property damage including expenses and costs. Driving other cars extension 1 Cover only applies for the specific driver as shown on the Certificate of Motor Insurance. Cover is limited to third party only. Cover is subject to insurer acceptance. Loss or damage to the car by an accident 2 Subject to excesses shown in the Schedule of Insurance. Additional excesses for young or inexperienced drivers may apply. Loss or damage to the car by fire or theft 3 Subject to excesses shown in the Schedule of Insurance. Car audio, navigation and entertainment equipment 2 and 3 Unlimited for equipment fitted as original equipment by the manufacturer; or 500 for any other equipment provided it is permanently fitted to the vehicle. Glass damage 4 Subject to the excess shown in the Schedule of Insurance. Unlimited cover if our approved repairer is used. 150 if a non approved repairer is used. Personal belongings 5 Up to 100 per incident. Medical expenses 6 Up to 200 per person. Personal accident 7 Up to 10,000 per incident. Replacement locks 8 Up to 500. Subject to 100 excess. Travelling abroad 9 Full policy cover up to 90 days in EU countries and those other countries set out in section 9 of the Motor Policy Wording.

4 4 Significant exclusions or limitations Cover Policy section Significant exclusions or limitations Driving other cars extension Loss or damage to the car Loss or damage to the car Car audio, navigation and entertainment equipment 1 Use outside the territorial limits. There is a current and valid Certificate of Motor Insurance held for the other car. A car which is registered outside of the territorial limits. Does not apply if your car is disposed of, or damaged beyond economical repair or stolen and not recovered. 2 and 3 Loss or damage resulting from incorrectly maintaining or fuelling the car or from the use of substandard fuel, lubricants or parts. Loss of, or damage, to the car caused by a person known to you taking the car without your permission, unless that person is reported to the police for taking the car without your permission. Loss or damage arising directly or indirectly from water freezing in the cooling system of the car. Any increase in damage as a result of the car being moved under its own power following an incident. Any increase in costs due to parts or accessories not being available within the territorial limits. Loss or damage to the car and/or its contents as a result of someone taking it by fraud or trickery while pretending to be a buyer. Loss of, or damage to telephone or other communication equipment. 3 Loss or damage caused by theft or attempted theft if the keys or lock transmitter or entry card from the keyless entry system are left in or on the car while it is left unattended. Loss or damage whilst the car is left unattended without being properly locked and or if any window, roof opening, roof panel or hood is left open or unlocked. Loss or damage unless the incident has been reported to the police and a crime reference obtained. 2 and 3 Equipment that is not permanently fitted to your car. Loss of, or damage to, telephone or other communication equipment. Glass damage 4 Damaged or broken glass in panoramic glass roofs. Repair or replacement of the hood/roof structure of a convertible or cabriolet vehicle. Repair or replacement of any glass that is part of a removable or folding convertible roof. Repair or replacement of any windscreen or window not made of glass. Personal belongings 5 Loss or damage whilst the car is left unattended without being properly locked and/or if any window, roof opening, roof panel or hood if left open or unlocked. Loss of money, credit or debit cards, stamps, tickets, vouchers, documents and securities are not covered. Loss or damage whilst the car is left unattended without being properly locked And/or if any window, roof opening, roof panel or hood is left open or unlocked. Personal accident 7 Death or injury to any person not wearing a seat belt when required to by law. Any intentional self injury, suicide or attempted suicide. Death or injury to any person driving who is found to have a higher level of alcohol or drugs in their body than is allowed by law. Replacement locks 8 Any claim where the keys, lock activation device or the lock transmitter and central locking interface are either: left in or on the car at the time of the loss; or taken without your permission by a person known to you, unless that person is reported to the police.

5 5 Optional Benefits Motor Legal Protection Name of insurer Legal Protection underwritten by AmTrust Europe Ltd, Market Square House, St James Street, Nottingham NG1 6FG Type of cover Cover for the recovery of legal expenses to reclaim uninsured losses in the event of a non-fault accident. Cover also provides a free replacement vehicle for up to 14 days after an accident. Cover Significant Exclusions Policy Section Motor Legal Protection Cover is limited to a maximum 100,000 indemnity Claims must be made within 180 days of the incident. Any claim where the third party cannot be traced or identified. Additional Benefits Motor Legal Protection Policy Motor Breakdown Name of insurer RAC House, Brockhurst Crescent, Walsall, West Midlands WS5 4AW Type of cover Cover for the mechanical breakdown of your vehicle. 3 levels of cover available: UK Roadside only UK Roadside and Recovery UK Roadside, Recovery, At Home and Onward Travel Cover Significant Exclusions Policy Section Motor Breakdown Only the vehicle insured with HSBC Insurance is covered, when driven by an authorised driver. UK Roadside is limited to UK, Isle of Man and Channel Islands. Residents of Northern Ireland are also entitled to be recovered from the Republic of Ireland. UK Recovery, At Home and Onward Travel are limited to UK, Isle of Man and Channel Islands. Additional Benefits RAC Breakdown Cover Duration of contract Your cover is valid for 12 months from the start date detailed on your certificate of insurance and is renewable annually.

6 6 Your right to cancel Cancelling your policy within the first 14 days You, BISL Limited, or the insurers may cancel your policy within 14 days of receiving your policy documents. BISL Limited will refund a percentage of the premium in proportion to the period of cover left unused, unless you have made a total loss claim in which case no refund will be given and all premiums would be due. Cancelling your policy after the first 14 days After the 14-day period you, BISL Limited, or the insurers may cancel your policy within 12 months of the policy start date. BISL Limited will charge a cancellation fee of 50 and for time on cover. BISL Limited will refund a percentage of the premium in proportion to the period of cover left unused, providing no claims have been made. If a claim has been made, or there has been an incident which may lead to a claim, no refund of premium (if applicable) will be given, the cancellation fee would not apply and all premiums would be due. For details on the cancellation fee please see policy section Additional Important Information - Cancellation fee. Other charges If you make a change to your policy after the first 14 days, BISL Limited may charge an administration fee of 25. If you do not cancel your insurance, it will remain active until an automatic termination event occurs. If you wish to cancel your policy, Motor Legal Protection or Breakdown cover, please contact HSBC Car Insurance on * or write to the address below. Please note you will be required to return your certificate of motor insurance if you wish to cancel your policy. * Lines are open 8am to 9pm Monday to Friday, 9am to 5pm Saturday and 10am to 4pm Sunday. HSBC Car Insurance Fusion House, Bretton Way, Bretton, Peterborough PE3 8BG How to Make a Claim To make a claim on your Car Insurance or Motor Legal Protection please contact the dedicated 24-hour accident helpline on the number shown on in your policy documents. If the incident is covered by your policy, one phone call will ensure your claim is registered immediately. In the event of a breakdown please call the RAC on providing your name and address and the registration number of the vehicle in which you are travelling. To claim for a broken windscreen or glass please contact the preferred supplier on your policy schedule. Financial Services Compensation Scheme The Insurers are 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. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation schemes arrangements is available from the FSCS website or write to Financial Services Compensation Scheme, 7th Floor Chambers, Portsoken Street, London E1 8BN.

7 7 Additional important information about HSBC Explaining HSBC s Service HSBC Car Insurance has been designed to provide three types of protection depending on your demands and needs, please refer to your policy schedule and policy document for full details of your relevant cover: Third Party Only Will supply liability protection for any injury or damage you may cause to third parties. Third Party Fire and Theft As above and in addition the costs incurred in the event of a fire or theft to your car are also covered. Comprehensive As above but also offers cover against the costs incurred for accidental damage or malicious damage to your car. For the purpose of this policy HSBC Bank Plc and BISL Ltd are insurance intermediaries, offering products from a panel of insurers. A full list of these insurers is available on request. Once the policy has commenced, BISL Ltd will be responsible for the ongoing policy administration. The service we will provide you with You will not receive advice or a recommendation from HSBC Bank Plc. We will use the information you provide to narrow down the selection of products that we will provide detail on and find you the best quote available from our selected panel of insurers. You will then have to make your own choice about how to proceed. Please be aware that we won t be able to advise you on whether you should take the insurance or whether it is right for you. No fee has been charged by HSBC Bank Plc for arranging this contract. Who regulates us HSBC Bank plc 8 Canada Square London E14 5HQ HSBC Bank plc is authorised and regulated by the Financial Services Authority. Our FSA Register number is You can check this on the FSA s Register by visiting the FSA s website or by contacting the FSA on Our permitted business is advising on and arranging insurance contracts. Loans and Ownership HSBC Bank plc is a member of the HSBC Group, the ultimate parent company of which is HSBC Holdings plc. HSBC Holdings plc beneficially holds 100% of both the shares and voting power of HSBC Bank plc. HSBC Life (UK) Limited is a wholly owned subsidiary of HSBC Bank plc. The following insurance companies are also wholly owned members of the HSBC Group: HSBC Insurance (Ireland) Limited HSBC General Insurance Services (UK) Limited HSBC Life (Europe) Limited We may from time to time use a different insurer(s) to provide you with this product. We will notify you prior to any change of the insurer(s) and advise you of any change in the policy terms. You will have the opportunity to terminate this policy both before and after such a change becomes effective. It is your responsibility to provide complete and accurate information to the insurer (s) when you take out your insurance policy, throughout the life of your policy and when you renew your insurance. Failure to disclose any material facts, such as driving convictions or claims history (these are the facts that the insurers would regard as likely to influence the assessment and acceptance of this insurance) could invalidate your cover and mean that your claim may not be paid.

8 8 What to do if I have a complaint about BISL Limited? If you wish to register a complaint, please contact us: In writing, to: The Customer Relations Manager HSBC Car Insurance Fusion House Bretton Way Bretton Peterborough PE3 8BG Or by telephone on Lines are open 8am to 9pm Monday to Friday, 9am to 5pm Saturday and 10am to 4pm Sunday. What to do if I have a complaint about HSBC Bank plc? If you wish to register a complaint, please contact us: In writing, to: The Manager Service Quality Team HSBC Bank plc Arlington Business Centre Millshaw Park Lane Leeds LS11 0PP Or by telephone on (textphone ). Or by at HSBC Bank Plc and BISL Limited are covered by the Financial Ombudsman Service. If you have complained to them and they have been unable to resolve your complaint, you may then be entitled to refer it to this independent body. Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR. Telephone Governing Law You have a choice of law in relation to this contract. This contract will be governed by English law, unless: You and we agree otherwise; or You normally reside in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case the law of the relevant country or island will govern this contract. No term of this insurance agreement is to be enforceable by any third party pursuant to the Contract (Rights of Third Parties) Act Your statutory rights are not affected in any way by this insurance policy. Nothing in these conditions will reduce your statutory rights relating to faulty or incorrectly described goods. For further information about your statutory rights contact your local authority Trading Standards Department or Citizens Advice Bureau. Financial Services Compensation Scheme (FSCS) For your added protection, the insurer is covered by the FSCS. You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Compulsory Insurance Cover under the FSCS is limited to 100% of the claim, with no upper limit. Further information about the compensation scheme arrangements is available from the FSCS, telephone number , or by visiting their website at Customers with disabilities HSBC offer a number of services for customers who have disabilities. HSBC can provide this policy document in Braille, large print or audio format. For further information please contact any HSBC Bank branch, or telephone (textphone ) If you are in the Channel Islands or the Isle of Man call Textphone is available for customers with hearing and/or speech impairments. If you use your own textphone and would like further details of the services HSBC offer, please contact HSBC Bank plc, registered in England Number 14259, Registered office: 8 Canada Square, London E14 5HQ hsbc.co.uk Issued by HSBC Bank plc Customer Information: PO Box 757, Hemel Hempstead, Hertfordshire HP2 4SS MCP /12 HSBC Bank plc All Rights Reserved.

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