Motor Excess Insurance

Transcription

1 Motor Excess Insurance This Motor Excess Insurance policy is provided by JD Concepts Limited, which is authorised and regulated by the Financial Services Authority (FSA Number ). Its registered office is at Suite 5, Martland Mill, Mart Lane, Burscough, Ormskirk, Lancashire, L40 0SD. It is registered in England no: This policy is underwritten by Inter Partner Assistance SA (IPA), which is fully owned by the AXA Group. Inter Partner Assistance is a Belgian firm of Avenue Louise, 166 bte1, 1050, Brussels, which has a branch office in the UK regulated by the Financial Services Authority (FSA) (FSA register number ). IPA's registered address in the UK is The Quadrangle, Station Road, Redhill, Surrey, RH1 1PR. (Company number FC008998) This insurance is governed by the laws of England and Wales. IMPORTANT INFORMATION This document sets out the terms and conditions of Your cover and it is important that You read it carefully. There are different levels of cover available. The type of cover You hold will be set out in the accompanying Policy Schedule. If changes are made, these will be confirmed to You separately in writing. Each section of cover explains what is and is not covered. There are also general exclusions (things that are not included) that apply to all sections of the cover, and there are general conditions that You must follow for the policy to work. CANCELLATION If You find that this cover does not meet Your needs, please contact Us on within 14 days of receiving this document and We will cancel this policy. You will receive a refund of Your premium provided You have not made any claims. MEANING OF WORDS Wherever the following words and phrases appear in bold in this policy and in the Policy Schedule, they will always have the following meanings. Annual Aggregate Limit Commercial Travel Driving Instructor Excess Motor Insurer Motor Insurance Policy Motor Vehicle Motorcycle Named Driver(s) Period of Insurance Is the total amount of cover available under this policy in each year of cover. The policy will continue to respond for the period of the cover or until Your chosen level of indemnity on the reimbursement is exhausted; whichever comes first. Once the Annual Aggregate Limit is exhausted this policy is automatically cancelled and You are then liable for all and any future Excess payments as defined in Your main Motor Insurance Policy for the remainder of this Period of Insurance. means commercial use by sales representatives. means Approved Driving Instructor (ADI) with the Driving Standards Agency. is the amount You must pay under the terms of Your Motor Insurance Policy. means an authorised UK motor insurer. means the insurance policy issued by an authorised UK Motor Insurer to You in respect of Your Motor Vehicle. a motor vehicle or Motorcycle (not being an invalid carriage) which is constructed for the carriage of passengers and their effects and is adapted to carry not more than seven passengers and does not exceed 3.5 tonnes, of which You are the owner and which You are authorised to drive. means a motorcycle (also called a motor bicycle or motorbike) which is constructed with two wheels and powered by an engine of which You are authorised to drive. means drivers in addition to You who are permitted to drive under the terms of Your Motor Insurance Policy. means the period for which We have accepted the premium as stated in Your Policy Schedule. 1

2 Policy Schedule Waived or Reimbursed We, Our, Us, You, Your, Insured this forms part of this policy document and contains the name of the policy holder and gives details of the cover provided by this policy and the Motor Vehicle(s) to which this cover relates. means where a third party has made good or relinquished their right under Your Motor Insurance Policy. means Inter Partner Assistance SA, the underwriters of this policy and AXA Assistance UK Limited, the administrator of this policy, both of; The Quadrangle, Station Road, Redhill, Surrey RH1 1PR, UK. JD Concepts Limited, the provider of this Policy, of Suite 5, Martland Mill, Mart Lane, Burscough, Ormskirk, Lancashire, L40 0SD. JD Concepts Limited is regulated by the Financial Services Authority in the United Kingdom (registered number ). In the Data Protection Act section of this policy We also means JD Concepts. The person shown as the insured on the Policy Schedule. HOW TO CLAIM If You wish to claim under Your Vehicle Excess Protection Policy Insurance You should go to: You will be able to complete this claim form on line. Once You have received communication confirming Your claim number from AXA Assistance You should send the following; - A copy of the acknowledgement letter received from AXA Assistance. - A copy of Your Excess Protection Policy Schedule. - A copy of Your settlement letter from Your insurance company, which must state the amount settled and the Excess deducted. - Please post the copy of the original claim form that You completed on line with all the required supporting documentation to: AXA Assistance PO Box 54098, London SW20 8UU If You do not have access to the internet and would like to claim via post. Please call AXA Assistance on and notify Your claim with them. At the time You call them they will complete the claim form with You over the phone. They will then send it by post to You for You to check that all details taken down over the phone by them (AXA Assistance) is correct together with an acknowledgement letter. If You are happy with the completed claim form details please post a copy of the acknowledgement letter (which contains Your claim reference number) with the following supporting documentation; - A copy of Your Vehicle Excess Protection Policy Schedule or confirmation of coverage document. - A copy of Your settlement letter from Your insurance company, which must state the amount settled and the Excess deducted. If You need to call AXA Assistance please call or excess@axa-assistance.co.uk Please note: Failure to follow these steps may delay and / or jeopardise the payment of Your claim WHAT IS COVERED Subject to the appropriate premium being paid, the insurer will pay You in each relevant Period of Insurance, an amount equal to the Excess in relation to each settled claim on Your Motor Insurance Policy up to Your Annual Aggregate Limit in respect of claims arising from accidental damage, fire, theft, flood or vandalism. There are various levels of cover available, please refer to Your Policy Schedule for Your Annual Aggregate Limit. You are eligible for cover if: - You are a person who is permanently resident in the United Kingdom (England, Wales, Scotland, Northern Ireland, Channel Islands and the Isle of Man). - You have a current and valid full UK driving license, or You hold a full internationally recognised license. 2

3 GENERAL CONDITIONS The following general conditions apply to the whole of this Motor Excess Insurance policy. These describe Your responsibilities, general information and the procedures that apply in certain situations You must comply with the following conditions to have the full protection of Your policy. - The Excess Protection policy will continue to respond for the period of the insurance or until Your chosen Annual Aggregate Limit on this Excess Protection policy is exhausted; whichever comes first. - If You were covered by any other insurance for the Excess payable following the incident which resulted in a valid claim under this Policy, We will only pay Our share of the claim. - Cover if provided under the following use types ; Social Domestic and Pleasure Personal business use by the policyholder Personal use by named drivers Personal business use by policyholder and named drivers Business use by the policyholder and named driver (excluding Commercial Travel) Approved Driving Instructors are included. - The Motor Insurance Policy that You have must be current and valid Protection Insurance that is provided by an FSA regulated and authorised UK insurer. - The policyholder as stated on the Policy Schedule must match the lead name of the individual on the Motor Insurance Policy that has responded and to which this policy will respond to the amount of the Excess. - Only when the Excess of the current and valid Motor Insurance Policy is exceeded and following the successful claim payment will this policy respond. - In the event that any misrepresentation or concealment is made by You or on Your behalf in obtaining this insurance or in support of any claim under this Insurance the policy is voided and no refund of premium will be given. Conditions applicable: Change of address Change of ownership Fraud Keeping to the terms of this policy You shall, as a condition of this Policy, immediately notify Us by giving written notice of any change in address during the Policy Period This policy is non-transferable. If a claim is fraudulent in any respect or if fraudulent means are used by You, or by anyone acting on Your behalf to obtain any benefit under this policy, all benefit under this policy shall be forfeited in respect of that claim. In such circumstances We will cancel coverage under this policy and We will not return any premium. We will only give You the cover that is described in this policy if any person claiming cover has met with all the terms of the Excess Protection insurance policy, as far as they apply. Misrepresentation Reasonable precautions Right of recovery This policy shall be voidable at Our discretion in the event of misrepresentation or non-disclosure by You of any facts relevant to a decision by the Insurer on whether or not You or Your Vehicle should be insured. You must take reasonable steps to safeguard against loss or additional exposure to loss. We can take proceedings in Your name but at Our expense to recover for Our benefit the amount of any payment made under this policy. 3

4 GENERAL EXCLUSIONS The following General Exclusions apply to the whole of this Motor Excess Insurance policy and describe the things which are not covered. - Any claim that Your main Motor Insurance Policy does not respond to or where the Excess is not exceeded. - Any claim which occurs within 30 days of the start date of this Policy as shown on Your Policy Schedule. - Any claim on the main insurance policy which occurred prior to the attachment date of this insurance as shown on Your Policy Schedule or confirmation of coverage document. - Any claim notified to Us more than 31 days following the settlement of Your claim by Your main policy insurer. - Any contribution or deduction from the settlement of Your claim against Your Motor Insurance Policy other than the stated policy Excess, for which You have been made liable. - Where a third party has Waived or Reimbursed You and made good, which is the first amount of any claim, shown in the schedule under own damage of Your Motor Insurance Policy. - Any liability You accept by agreement or contract, unless You would have been liable anyway. - Any claim that is refused by Your main policy insurers to whom You are claiming. - Any claim where the Motor Vehicle is used for hire and reward and the vehicle is owned by a company and not an individual. - Any claim where the Motor Vehicle is used for hire and reward other than by the individual who owns the vehicle and who is also the named policy holder on this policy. - Motor insurance You must maintain at all times during the period of this policy a Motor Insurance Policy issued by a UK registered and authorised Motor Insurer to You in respect of Your Motor Vehicle or Motorcycle. - Any Excess claim arising from a glass repair or replacement. - Any claim where the Motor Insurance Policy is on the basis of or includes Commercial Travel. This Motor Excess Insurance policy does not cover: Any Claims In Respect Of - claims made in excess of Your Aggregate Limit; - any loss or damage caused by, arising from or contributed to by: ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste which results from burning nuclear fuel; or the radioactive, toxic, explosive or other dangerous properties of any nuclear machinery or any part of it. - Any loss or damage caused by war, revolution or any similar event; - Any mobile phone, phone call and postage costs; Other Insurances If You were covered by any other insurance for the Excess payable following the incident, which resulted in a valid claim under this policy, We will only pay Our share of the claim. OUR PROMISE We want to give You the best possible service. If You are not happy with Our service, the procedure below explains what You should do: COMPLAINTS PROCEDURE You can write to the Group Quality and Customer Relations Manager at: Inter Partner Assistance SA, The Quadrangle, Station Road, Redhill, Surrey, UK RH1 1PR, Or, You can phone If it is impossible to reach an agreement, You may have the right to make an appeal to the Financial Ombudsman Service by writing to: Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall, Docklands, London, E14 9SR, UK. Or, You can phone FINANCIAL SERVICES COMPENSATION SCHEME We are a member of the Financial Services Compensation Scheme (FSCS). The FSCS offers protection for customers of financial services firms. You can get more information at 4

5 DATA PROTECTION We may store, use and process Your personal information in order to administer Your policy and provide You with Our services, identify other products and services that might be suitable for You, renew Your policy with Us and keep Our records about You up to date. We may also: - use the information to prevent and detect fraud and/or money laundering or similar activity. - process Your information in countries in which data protection laws are not as comprehensive as in the European Union. However, We have taken appropriate steps to ensure the same (or equivalent) level of protection for Your information in other countries as there is in the EU. We may contact You about other products and services We believe may interest You. If You prefer not to be contacted, please write to Us or call Us on Under the Data Protection Act 1998 You are entitled to a copy of the information We hold about You on request, on payment of a statutory fee. To request this, please write to: Compliance Manager Inter Partner Assistance SA, The Quadrangle, Station Road, Redhill, Surrey, UK RH1 1PR ALTERNATIVE FORMAT Please contact Us if You would like a copy of these terms and conditions in alternative format such as large print or audio. 5