HSBC Private Car Insurance. Summary of cover

Size: px
Start display at page:

Download "HSBC Private Car Insurance. Summary of cover"

Transcription

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 servicequality@hsbc.com 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 complaint.info@financial-ombudsman.org.uk 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.

Key Policy Information

Key Policy Information Key Information Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Key Information This is a summary of cover available under Tesco Bank Car Insurance. It does not

More information

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance Policy Summary Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Car Insurance. It does

More information

Key Policy Information

Key Policy Information Key Policy Information Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Key Policy Information This is a summary of cover available under Tesco Bank Car

More information

Policy Summary. Inside you ll find a summary of your car insurance. tescobank.com

Policy Summary. Inside you ll find a summary of your car insurance. tescobank.com Summary Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Summary This is a summary of cover available under Tesco Bank Car Insurance. It does not include all the

More information

How To Get A Car Insurance From Tesco Bank Value Car Insurance

How To Get A Car Insurance From Tesco Bank Value Car Insurance Policy Summary Inside you ll find a summary of your Value car insurance tescobank.com Tesco Bank Value Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Value Car Insurance.

More information

Your Policy Summary. Important information about your Motor Insurance Policy. Important Numbers

Your Policy Summary. Important information about your Motor Insurance Policy. Important Numbers Your Policy Summary Important information about your Motor Insurance Policy Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile phone 0800 107 1156* (24 hours)

More information

Car insurance policy summary. What if I want to cancel? Who provides the cover? Types of cover. Complaints. Making a claim. 1 of 6

Car insurance policy summary. What if I want to cancel? Who provides the cover? Types of cover. Complaints. Making a claim. 1 of 6 Car insurance policy summary The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the contract between us. For full details

More information

Age UK Car Insurance Policy Summary

Age UK Car Insurance Policy Summary Age UK Car Insurance Policy Summary What is the Car Policy Summary? This is a summary of cover available under Age UK Car Insurance. It outlines the main benefits and exclusions of the policy cover and

More information

CAR INSURANCE POLICY SUMMARY

CAR INSURANCE POLICY SUMMARY CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You

More information

AXA Car Insurance. Policy summary. April 2015 edition

AXA Car Insurance. Policy summary. April 2015 edition AXA Car Insurance Policy summary April 2015 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions

More information

MINI FLEET. Policy Summary

MINI FLEET. Policy Summary MINI FLEET Policy Summary 2 Mini Fleet Policy Summary MINI FLEET Policy Summary Your RSA Mini Fleet Policy is an annual contract which may be renewed each year subject to your needs and our terms and conditions.

More information

Covea Insurance Private Car Summary.

Covea Insurance Private Car Summary. Covea Insurance Private Car Summary. This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your policy booklet. A copy of the

More information

Full details of what you have chosen are shown in your personal quotation and policy schedule.

Full details of what you have chosen are shown in your personal quotation and policy schedule. CAR INSURANCE SUMMARY μ Car Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You

More information

RIAS Car Insurance P O O B P P O C. Policy Summary. Who provides your cover. Policy Section

RIAS Car Insurance P O O B P P O C. Policy Summary. Who provides your cover. Policy Section RIAS Car Insurance Summary This is a summary of the cover provided under the RIAS Car Insurance policy. The full terms and conditions of the cover can be found in the car insurance policy booklet when

More information

Policy Summary. Keep this wording safe.

Policy Summary. Keep this wording safe. Policy Summary Keep this wording safe. Covéa Insurance Private Car This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your

More information

Your Car Insurance Policy Summary Booklet

Your Car Insurance Policy Summary Booklet Your Car Insurance Policy Summary Booklet Contents Welcome to Brightside car insurance...4 Car Policy Summary...6 About Brightside car insurance...6 Summary of Cover...6 Claims and Glass Helpline...6 Insurer...6

More information

Drive Policy Summary. You can select the cover that suits your needs, from:

Drive Policy Summary. You can select the cover that suits your needs, from: Drive Policy Summary Drive is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable. You can select

More information

Your Electric Car Policy Summary

Your Electric Car Policy Summary MOTOR INSURANCE Important numbers Claims and Accident Helpline (24 hours)...... 0844 209 2594 We recommend you save this number to your mobile Your Electric Car Policy Summary Glass Helpline (24 hours)..............

More information

Drivology Car Insurance - Policy Summary

Drivology Car Insurance - Policy Summary Drivology Car Insurance - Policy Summary Your Policy Key Facts July 2015 edition Drivology Car Insurance - Policy Summary This policy summary does not contain full details and conditions of your insurance

More information

Your 7 Day Cover. Important information about your Motor Insurance Policy. Important Numbers

Your 7 Day Cover. Important information about your Motor Insurance Policy. Important Numbers HYUNDAI Insurance Your 7 Day Cover Policy Summary Important information about your Motor Insurance Policy Important Numbers Claims and Accident Helpline *We recommend you save this number to your mobile

More information

Your Policy Summary MOTOR INSURANCE. Important numbers. Private Car Insurance

Your Policy Summary MOTOR INSURANCE. Important numbers. Private Car Insurance MOTOR INSURANCE Important numbers Claims and Accident Helpline (24 hours)...... 0844 209 2594 We recommend you save this number to your mobile Your Policy Summary Private Car Insurance Glass Helpline (24

More information

Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32

Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32 Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE 60958_453131A_BRO.indd 1 2/12/08 16:45:32 60958_453131A_BRO.indd 2 2/12/08 16:45:38 7 Days Free Driveaway with

More information

AXA Car Insurance. Policy summary. June 2014 edition

AXA Car Insurance. Policy summary. June 2014 edition AXA Car Insurance Policy summary June 2014 edition 35372_APLD0144ZF_SUM_A5.indd 1 17/06/2014 13:36 Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore

More information

Motor Fleet Insurance

Motor Fleet Insurance Motor Fleet Insurance Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

Drive. Policy Summary

Drive. Policy Summary 1 Drive Policy Summary Drive Policy Summary Drive is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.

More information

Car Solutions Insurance. Summary of Cover

Car Solutions Insurance. Summary of Cover Car Solutions Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich

More information

Private Vehicle Motor Insurance Key Facts

Private Vehicle Motor Insurance Key Facts Private Vehicle Motor Insurance Key Facts This is a summary of your policy and does not contain the full terms and conditions of your insurance policy. The full terms and conditions can be found in your

More information

Van Insurance Summary of cover

Van Insurance Summary of cover Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your

More information

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues.

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Motor car insurance Policy summary This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Policy Summary Type of insurance and cover This is an insurance

More information

How To Get A Co-Operative Insurance Policy

How To Get A Co-Operative Insurance Policy Motor Insurance Policy summary Policy Summary Type of insurance and cover This is an insurance for private type motor cars, dual purpose vehicles (e.g. estate cars), commercial vehicles not used for business

More information

Car Insurance. Summary of Cover

Car Insurance. Summary of Cover Car Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich Insurance

More information

Car insurance policy summary. Making a claim. Who provides the cover? Types and duration of cover. What if I want to cancel?

Car insurance policy summary. Making a claim. Who provides the cover? Types and duration of cover. What if I want to cancel? Car insurance policy summary Key facts The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the contract between us. For full

More information

Optima Plus Car Insurance

Optima Plus Car Insurance Optima Plus Car Insurance Policy Summary This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your

More information

How To Get A Police Mutual Car Insurance Policy

How To Get A Police Mutual Car Insurance Policy Police Mutual Car insurance Policy Summary Police Mutual Car insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms

More information

AXA Car Insurance. Policy summary. April 2016 edition

AXA Car Insurance. Policy summary. April 2016 edition AXA Car Insurance Policy summary April 2016 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions

More information

The policy document for your car insurance standard cover

The policy document for your car insurance standard cover The policy document for your car insurance standard cover Your policy details Contents Page Motor policy summary 3 Motor policy wording 7 Additional benefits policy summary 23 Breakdown 26 Motor legal

More information

Go Girl Private Car and Small Commercial Vehicle Policy Summary

Go Girl Private Car and Small Commercial Vehicle Policy Summary Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate

More information

MOTOR FLEET INSURANCE

MOTOR FLEET INSURANCE MOTOR FLEET INSURANCE Summary of Cover A commercial motor insurance package available for Partnerships or Companies who require more than four vehicles to be insured under the one Policy. Why choose the

More information

Car Insurance Policy Summary

Car Insurance Policy Summary Car Insurance Policy Summary This policy summary outlines your car insurance cover, please read this carefully. It does not give details of all of the policy limits, terms, conditions and exclusions. For

More information

The policy document for your car insurance premier cover

The policy document for your car insurance premier cover The policy document for your car insurance premier cover Your policy details Contents Page Motor policy summary 3 Motor policy wording 7 Additional benefits policy summary 23 Breakdown 26 Motor legal protection

More information

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary Your policy summary 2. Your policy summary 5. Important

More information

Rural Insurance Farm Motor

Rural Insurance Farm Motor Rural Insurance Farm Motor Policy Summary Rural Insurance agricultural and rural insurance specialists Tel: 01423 876 000 Fax: 01423 876 001 Email: enquiries@ruralinsurance.co.uk ruralinsurance.co.uk Farm

More information

VAN CHOICE INSURANCE POLICY SUMMARY

VAN CHOICE INSURANCE POLICY SUMMARY BUSINESS VAN CHOICE INSURANCE POLICY SUMMARY µ BUSINESS Van Choice Insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the

More information

HSBC Insurance Aspects: Motor Breakdown Assistance

HSBC Insurance Aspects: Motor Breakdown Assistance HSBC Insurance Aspects: Motor Breakdown Assistance Please read this policy document and keep it for reference Call 0800 587 9809 (free from landlines) or 020 8603 9809 (calls to this number are charged

More information

Chauffeur Insurance. Staveley Head Limited is authorised and regulated by the Financial Conduct Authority.

Chauffeur Insurance. Staveley Head Limited is authorised and regulated by the Financial Conduct Authority. Chauffeur Insurance UNDERWRITTEN BY This is a summary of your policy and does not contain the full terms and conditions of your insurance policy. The full terms and conditions can be found in your insurance

More information

Motor Trade Road Risks

Motor Trade Road Risks Motor Trade Road Risks Policy Summary The Insurance cover is provided by Covéa Insurance plc, Norman Place, Reading, Berkshire, RG1 8DA. The Motor Trade Road Risks Insurance policy is for full or part-time

More information

Rias Car Insurance. Policy Summary. Who provides your cover

Rias Car Insurance. Policy Summary. Who provides your cover Rias Car Insurance Summary This is a summary of the cover provided under the Rias Car Insurance policy. The full terms and conditions of the cover can be found in the car insurance policy booklet when

More information

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover Policy Booklet Inside you ll find full details of your Upgraded Courtesy Car Cover Upgraded Courtesy Car Cover Contents Page Policy summary 1 Terms and conditions about your insurance 6 Meaning of words

More information

Your policy summary. If you have an accident...call us straight away on 0844 891 5391.

Your policy summary. If you have an accident...call us straight away on 0844 891 5391. Your policy summary If you have an accident...call us straight away on 0844 891 5391. For our joint protection, calls may be recorded and/or monitored. Your policy summary 2. Your policy summary 5. Important

More information

First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M

First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M First Directory Roadside Breakdown Assistance First Directory Policy Number FD070104M Please read this policy and keep it for reference Contents Page Section A Policy Summary 2 Section B Additional Important

More information

Aviva Motor Policy Summary and Important Information

Aviva Motor Policy Summary and Important Information Aviva Motor Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover which can be found in the policy documentation. It is

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Policy Summary Inside you ll find a summary of your Car Insurance Tesco Bank Box Insurance Car Insurance Private Car Policy Summary Welcome to Tesco Bank Box Insurance Thank you for choosing

More information

CENTRAL. Hire Car Cover Comprehensive

CENTRAL. Hire Car Cover Comprehensive ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been

More information

www.suzuki.co.uk/cars/insurance

www.suzuki.co.uk/cars/insurance Important Numbers Claims and Accident Helpline: Glass Helpline: 0800 107 1156* (24 hours) *We recommend you save this number to your mobile phone 0844 836 7385 (24 hours) Policy Changes: 0844 209 2598

More information

Policy Summary www.debenhamscarinsurance.co.uk

Policy Summary www.debenhamscarinsurance.co.uk Policy Summary www.debenhamscarinsurance.co.uk Contents Policy Summary... 3 Introduction to Debenhams Car Insurance... 3 Summary of Cover... 3 Claims Helpline... 3 Windscreen Helpline:... 3 Insurer...

More information

AXA Third Party Fire & Theft Car Insurance Policy Summary

AXA Third Party Fire & Theft Car Insurance Policy Summary AXA Third Party Fire & Theft Car Insurance Policy Summary This policy summary does not contain full details and conditions of your insurance these are located in your policy wording. This insurance is

More information

Mobile Phone Insurance. First Directory. Policy Terms and Conditions. Please read this policy and keep it for reference. Policy number FD070104M

Mobile Phone Insurance. First Directory. Policy Terms and Conditions. Please read this policy and keep it for reference. Policy number FD070104M Mobile Phone Insurance First Directory Policy number FD070104M Policy Terms and Conditions Please read this policy and keep it for reference First Directory Mobile Phone Insurance: Policy Terms and Conditions

More information

insure2drive Private Car and Small Commercial Vehicle Policy Summary

insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive is a trading name of Sabre Insurance Company Limited. Any reference to insure2drive in this document will mean Sabre Insurance

More information

Drivology Car Insurance - Policy Summary

Drivology Car Insurance - Policy Summary Drivology Car Insurance - Policy Summary Your Policy Key Facts May 2016 edition Drivology Car Insurance - Policy Summary This policy summary does not contain full details and conditions of your insurance

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Policy Summary Private Car Policy Summary Welcome to insurethebox Thank you for choosing insurethebox which is a trading style of Insure The Box Limited. This is a summary of cover provided

More information

Fleet Excess Protect

Fleet Excess Protect Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible

More information

Your summary of cover. Saga Motor Insurance

Your summary of cover. Saga Motor Insurance Your summary of cover Saga Motor Insurance Contents Your introduction to Saga Motor Insurance 3 A quick guide to the cover we include 4-5 A few key things we don t cover 6 Additional cover options you

More information

Motorcycle Policy Summary and Important Information

Motorcycle Policy Summary and Important Information Motorcycle Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is

More information

Policy Summary. Insurance from. How to make a claim? For accidents in the United Kingdom, Channel Islands and Isle of Man Call 0844 893 9606

Policy Summary. Insurance from. How to make a claim? For accidents in the United Kingdom, Channel Islands and Isle of Man Call 0844 893 9606 Policy Summary This is a Policy Summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full terms can be found in the

More information

Covéa Insurance Commercial Vehicle

Covéa Insurance Commercial Vehicle Covéa Insurance Commercial Vehicle This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your policy booklet. A copy of the

More information

Your summary of cover Direct Choice Car Insurance

Your summary of cover Direct Choice Car Insurance Your summary of cover Direct Choice Car Insurance Contents Your introduction to Direct Choice Car Insurance 3 A quick guide to the cover we include 4-5 A few key things we don t cover 6 Additional cover

More information

MOORHOUSE LC4 POLICY SUMMARY. Comprehensive. Policy Section

MOORHOUSE LC4 POLICY SUMMARY. Comprehensive. Policy Section MOORHOUSE LC4 POLICY SUMMARY The information shown here is only a summary of what is covered by your Commercial Vehicle Policy It does not form part of the contract of insurance Please read your policy

More information

Asda Van Insurance. Summary of Cover. money

Asda Van Insurance. Summary of Cover. money Asda Van Insurance Summary of Cover money Contents Contents... 2 Your Motor Policy Summary... 3 Types of Cover and Sections which apply... 3 Your Motor Policy...4 Section 1 - Loss or Damage...4 Accidental

More information

POLICY SUMMARY Commercial Vehicle

POLICY SUMMARY Commercial Vehicle POLICY SUMMARY Commercial Vehicle This is a summary of your Policy, giving important information about the cover provided so you can check that it is right for you Arista Insurance Commercial Vehicle Policy

More information

www.einsurancegroup.co.uk Your Motor Legal Protection Policy Summary

www.einsurancegroup.co.uk Your Motor Legal Protection Policy Summary www.einsurancegroup.co.uk Your Motor Legal Protection Policy Summary Contents Motor Legal Protection Policy Summary...3 page 2 Motor Legal Protection Policy Summary This is a summary of your Motor Legal

More information

You should read this Summary of Cover in conjunction with your Policy Schedule and Policy Wording.

You should read this Summary of Cover in conjunction with your Policy Schedule and Policy Wording. Summary of Cover iprism Retail Policy About Your Policy This document provides a summary of the cover provided by the iprism Retail Policy. This summary is provided to you for information purposes only

More information

Motoring Legal Solutions

Motoring Legal Solutions Motoring Legal Solutions Policy Summary This summary does not contain the full terms and conditions of this insurance contract; these can be found in the Policy document What is Motoring Legal Solutions?

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Summary Private Car Summary Welcome to drive like a girl Thank you for choosing drive like a girl which is a trading style of Insure The Box Limited. This is a summary of cover provided by

More information

MOTOR FLEET KEY FACTS FLEET COVER GEARED FOR YOUR NEEDS

MOTOR FLEET KEY FACTS FLEET COVER GEARED FOR YOUR NEEDS MOTOR FLEET KEY FACTS FLEET COVER GEARED FOR YOUR NEEDS Product Summary Please read this document carefully. Full terms and conditions can be found within the Policy Document. Motor Fleet Policy The Fleet

More information

Demands and Needs Statement

Demands and Needs Statement Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a

More information

Tesco Bank Box Insurance

Tesco Bank Box Insurance Tesco Bank Box Insurance Private Car Summary Inside you ll find a summary of your Car Insurance Private Car Summary Welcome to Tesco Bank Box Insurance Thank you for choosing Tesco Bank Box Insurance which

More information

1 ST CENTRAL Hire Car policy summary

1 ST CENTRAL Hire Car policy summary My Hire Car Cover... 1 ST CENTRAL Hire Car policy summary This is a summary of your Hire Car policy. It does not contain the full terms and conditions, which can be found in the Policy Document that follows

More information

DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON

DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON 0800 783 6066 WHY YOU NEED DASDRIVE LEGAL PROTECTION PERSONAL INJURY COVER RECOVERY OF UNINSURED LOSSES REPLACEMENT HIRE

More information

Optima Car Insurance. Policy Summary

Optima Car Insurance. Policy Summary Optima Car Insurance Policy Summary This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances.

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances. Car Hire Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had

More information

RAC Breakdown Cover. Key Facts PLEASE READ AND KEEP FOR YOUR RECORDS

RAC Breakdown Cover. Key Facts PLEASE READ AND KEEP FOR YOUR RECORDS RAC Breakdown Cover Key Facts PLEASE READ AND KEEP FOR YOUR RECORDS Policy Summary RAC Breakdown Cover RAC Breakdown Cover is intended to offer services relating to the breakdown of vehicles. This policy

More information

Lloyds Bank Car Insurance 24 hour claims helpline: 0344 209 0477 Please keep this document safe

Lloyds Bank Car Insurance 24 hour claims helpline: 0344 209 0477 Please keep this document safe Lloyds Bank Car Insurance 24 hour claims helpline: 0344 209 0477 Please keep this document safe Definitions... = : / - 3 7 / 8 Section A Policy cover... Section B Important customer information... Section

More information

Multi Motor Excess Protect Policy Document

Multi Motor Excess Protect Policy Document Multi Motor Excess Protect Policy Document Thank you for choosing multi motor excess protect insurance. The information in this policy wording contains important information and we have made it as easy

More information

Optima private car insurance

Optima private car insurance abc Optima private car insurance This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover,

More information

Co-operative Insurance Motor Legal Expenses and Legal Helpline

Co-operative Insurance Motor Legal Expenses and Legal Helpline Co-operative Insurance Motor Legal Expenses and Legal Helpline Welcome to The Co-operative Insurance Motor Legal Expenses cover, which is included as standard as part of the Van Insurance from The Co-operative

More information

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording Contents ecar - Prestige Hire Car Policy Summary...4 Your Prestige Hire Car Policy Terms and Conditions...6 Notice to

More information

Car Solutions Prospectus and Summary of Cover. What you need to know

Car Solutions Prospectus and Summary of Cover. What you need to know Car Solutions Prospectus and Summary of Cover What you need to know 2 We recognise that you re probably more passionate about your car than you are about your car insurance. That s why we re here to make

More information

A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees.

A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5 employees. 6758_WLI354NZ_POL.qxd 17/8/04 8:49 Page 1 VENTURE PLUS Summary of Cover A business insurance package available for self employed persons and small businesses (including limited companies) with up to 5

More information

HSBC Advance Roadside Breakdown Assistance. Please read this policy and keep it for reference

HSBC Advance Roadside Breakdown Assistance. Please read this policy and keep it for reference HSBC Advance Roadside Breakdown Assistance Please read this policy and keep it for reference 2 Contents Page Section A Policy Summary 3 Section B Additional Important Information about HSBC 6 Section C

More information

FLEETSHIELD. Policy Summary

FLEETSHIELD. Policy Summary FLEETSHIELD Policy Summary FleetShield Policy Summary FleetShield Policy Summary Your Tower Insurance FleetShield Policy is an annual contract which may be renewed each year subject to your needs and our

More information

Vehicle Replacement. Policy Summary & Policy Wording

Vehicle Replacement. Policy Summary & Policy Wording Vehicle Replacement Policy Summary & Policy Wording Vehicle Replacement Policy Summary Duration Of Policy: 12 months Introduction This policy summary provides key information about the Vehicle Replacement

More information

DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW

DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE For recovering your vehicle, notifying your insurer, replacement hire vehicles or courtesy cars, arranging repairs and securing compensation

More information

Asda Value Car Insurance. Hire car. money

Asda Value Car Insurance. Hire car. money Asda Value Car Insurance Hire car money Contents page number Hire Car Insurance Policy Summary...4 Your Hire Car Policy Terms and Conditions... 7 Notice to the Policyholder/Insured Person... 10 page 2

More information

Replacement Vehicle Van Insurance Policy

Replacement Vehicle Van Insurance Policy Replacement Vehicle Van Insurance Policy Express Insurance Services - Replacement Vehicle Policy Summary Express Insurance Services - Replacement Vehicle Insurance Policy Policy Summary This is a summary

More information

MINI Car Insurance Policy Summary.

MINI Car Insurance Policy Summary. Summary. This is a policy summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full terms can be found in the policy

More information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information

Motor Fleet. Policy Summary. coveainsurance.co.uk. Registration and Regulatory Information Motor Fleet Policy Summary Motor Fleet insurance is for companies, sole traders or partnerships operating a fleet of 3 to 25 vehicles comprising of cars and commercial vehicles used for the business of

More information

Motor Summary of cover and policy benefits. Zurich Private Clients

Motor Summary of cover and policy benefits. Zurich Private Clients Motor Summary of cover and policy benefits Zurich Private Clients About Zurich Private Clients Quality cover and service Our motor insurance policy provides exceptional cover with the highest level of

More information

Hire Car Policy Summary and Policy Wording

Hire Car Policy Summary and Policy Wording Hire Car Policy Summary and Policy Wording www.debenhamscarinsurance.co.uk Contents Hire Car Insurance Policy Summary... 4 Your Hire Car Policy Terms and Conditions... 6 Notice to the Policyholder/Insured

More information

ProTeCTInG You and Yours

ProTeCTInG You and Yours VolVo Car InsuranCe ProTeCTInG You and Yours Free 7 DaY DrIVeaWaY CoVer, WITH VolVo Car InsuranCe VolVo Car InsuranCe ProTeCTInG You and Yours Just like your Volvo, Volvo Car Insurance has been designed

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information