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1 Cr insurne Poliy Booklet In ssoition with

2 Teso Cr Insurne poliy ontents Generl Cutting the ost, not the over! Speil notes, ident nd rekdown ssist phone numers 2 Introdution 3 Complints proedure 4 Definitions 5 Geogrphil limits, insurne provided, r-shring 6 No-lims disount, replement lok over, fire rigde hrges 7 Generl exeptions 8 Generl onditions 9 Events we will insure Setion 1 - Loss of or dmge to the r 11 Setion 2 - Liility to third prties 12 Setion 3 - Medil expenses nd emergeny tretment 14 Setion 4 - JourneyWise ident over 14 Setion 5 - Endorsements 16 Setion 6 - Personl elongings 18 Setion 7 - Brekdown Assist over 19 Teso Cr Insurne is rrnged y Teso Personl Finne pl, it is underwritten nd dministered y Hiernin Aviv Generl Insurne Limited. Teso Personl Finne pl is registered in Sotlnd with numer Registered offie t Interpoint Building, 22 Hymrket Yrds, Edinurgh EH12 5BH. Teso Personl Finne pl is regulted in the UK, s redit institution, y the Finnil Servies Authority under the Finnil Servies nd Mrkets At Hiernin Aviv Generl Insurne Limited is regulted y the Finnil Regultor nd is memer of the Irish Insurne Federtion. For your protetion, we my reord or monitor your lls. Teso Personl Finne pl ts s n insurne intermediry in the Repuli of Irelnd, offering rnge of life nd non-life produts, s well s redit rds. In rrnging non-life insurne in Irelnd, Teso Personl Finne pl ts s non-life insurne intermediry for ACE Insurne S.A-N.V., for Finnil Insurnes Compny Limited ( memer of the GE Finnil Insurnes (Irelnd) Group) nd Hiernin Aviv Generl Insurne Limited. In rrnging life insurne in Irelnd, Teso Personl Finne pl ts s life insurne intermediry for Hiernin Aviv Life & Pensions Limited nd for Finnil Assurne Compny Limited ( memer of the GE Finnil Insurnes (Irelnd) Group). Ignition is registered trdemrk of Hiernin Aviv Generl Insurne Limited. 1

3 Speil Notes Introdution Importnt Using your r rod Welome to Teso Cr Insurne Plese let us know immeditely, out ny event whih ould led to lim. You n ontt us 24 hours dy, 365 dys yer on the Teso Aident Line on We re here to help nd provide speedy nd effiient servie to mke the proess s esy s possile for you. If your windsreen is dmged, plese ll: Allied Irish Windsreens on ; or AUTOGLASS on If your r is lid up (out of use) We will refund prt of your premium for the period from the dte you return the Rod Trffi At ertifites nd diss to us if your r is lid up for t lest four weeks in row nd you suspend the insurne. As long s no lim or loss hs risen in the urrent period of over, we will refund perentge of your premium sed on the time your r is out of use. The mount we will refund will depend on how muh over is left on your poliy. For exmple, if you do not nel the fire nd theft over, we will refund 75% of your premium. We will utomtilly extend your poliy to inlude the terms of endorsement PC69, providing poliy over within the EU, for 31 dys in ny period of insurne for your r. The following overs do not pply when you re using your rd rod: Driving other rs under Setion 2D (pge 13) nd Setion 7 - Brekdown Assist Cover If you need Green Crd, we will give you one free of hrge. Plese ontt us t lest one week efore your journey. Teso Brekdown Assistne Helpline numer (this ll is free) If you re lling from Northern Irelnd, Englnd, Sotlnd or Wles, phone For full detils of Brekdown Assist over, see pge 19. We hve enlosed your poliy shedule nd Rod Trffi At ertifites of insurne nd diss seprtely. You should red these s one doument together with your poliy. The shedule shows your over nd ny extr enefits or mendments whih my pply. If you deide tht you do not wnt to ept this poliy, return the ertifite nd dis of insurne within 14 dys of the strt dte of your poliy. As long s you hven t mde ny lims, we will work out the premium for the period we hve een insuring you nd refund the lne. Teso Cr Insurne poliy Teso Cr Insurne is rrnged y Teso Personl Finne pl. It is underwritten nd mnged y Hiernin Aviv Generl Insurne Limited. This poliy ooklet, the informtion you hve provided nd the shedule form the ontrt of insurne etween you (the poliyholder) nd us (Hiernin Aviv Generl Insurne Limited). In return for your premium, we will provide the over shown in the shedule for ident, injury, loss or dmge tht hppens within the geogrphil limits during the period of insurne. This produt meets the demnds nd needs of those who wnt to mke sure tht their r is insured ginst fire, theft nd identl dmge (identl dmge only pplies to omprehensive poliies), s well s ginst using n injury to nother person or dmge to their property. Plese hek your poliy shedule for the over tht pplies under your poliy. The Third EU Non-Life Diretive sttes tht we must give you the following informtion. The lw whih pplies to the ontrt Under Europen lw nd the lw of the Repuli of Irelnd, you nd we n hoose the lw whih will pply to this ontrt. We propose tht the lw of the Repuli of Irelnd will pply. This insurne is provided y us, Hiernin Aviv Generl Insurne Limited. We re setup nd sed in Irelnd. Sttement of demnds nd needs We hve not given you personl reommendtion s to whether this poliy is suitle for your needs. 2 3

4 Definitions Complints proedure If you hve ny omplint out the insurne ontrt, you should ontt: Customer Feedk Tem Teso Cr Insurne Unit 18, Avenue 5200, Airport Business Prk, Cork Phone: If your omplint is not sorted out to your stisftion, plese write to the Mnging Diretor, Hiernin Aviv Generl Insurne Limited, One Prk Ple, Hth Street, Dulin 2. If you re still not stisfied, you my ontt the following orgnistions: The Irish Insurne Federtion's Insurne Informtion Servie 39 Molesworth Street, Dulin 2. Phone: Fx: E-mil: Wesite: The servie n dvise you on how to ontinue further, nd my e le to help sort the prolem out. The Finnil Servies Omudsmn Bureu 3rd Floor, Linoln House, Linoln Ple, Dulin 2 Phone: Fx: Lo-ll: E-mil: Wesite: You will not lose your right to tke legl tion if you ontt either of the ove. Insurne At 1936 (Setion 93) All money whih is pid or my e pid y us to you under this poliy will e pid in the Repuli of Irelnd. Finne At 1990 The pproprite stmp duty hs een or will e pid in line with setion 113 of the Finne At Signed on ehlf of the ompny By uthority of the Bord Throughout the text ertin words hve speifi mening wherever they pper nd we hve defined these elow. Bodily injury Injury resulting diretly from n ident used y something violent nd visile. Cr Any vehile you hve given us detils of nd whih we desrie under the heding of Vehiles or lsses of vehiles, the use of whih is overed in the ertifite we hve given you nd whih is still in fore. Certifite The urrent doument tht proves you hve the motor insurne you need y lw. The ertifite shows who n drive your r, wht you n use it for nd wht rs you re llowed to drive. It is proof tht you n use your r on rod or in ny other puli ple, s needed y the Rod Trffi Ats. The ertifite does not show the over you hve. Endorsement Chnges in the terms of your poliy. These re shown in your shedule nd desried in setion 5 of your poliy. Exess The mount you will hve to py towrds ny lim. Loss of lim (setion 4) Hving lim ut off or permnent loss of use of the lim t or ove the wrist or nkle. Period of insurne The period of time overed y this poliy, s shown in the shedule, nd ny further period tht we gree to insure you for. Person insured (setion 4) The person nmed in the shedule s eing insured. Privte r Any vehile uilt minly for rrying pssengers nd txed for privte use only. Shedule The doument whih gives detils of the over you hve. Teso Cr Insurne Your gent, Teso Personl Finne pl, is uthorised nd regulted y the UK Finnil Servies Authority. They re desried s Teso Cr Insurne throughout this doument. We, us, our Hiernin Aviv Generl Insurne Limited You, your The poliyholder nmed in the shedule. 4 5

5 Teso Cr Insurne Poliy Teso Cr Insurne Poliy Geogrphil limits No-lims disount Fire rigde hrges We will provide insurne s set out in this poliy for events whih my hppen in the Repuli of Irelnd, Northern Irelnd, Gret Britin, the Isle of Mn or the Chnnel Islnds during ny period of insurne. the totl ontriutions you reeive do not men you mke profit. If you re not sure out your over, plese ontt us. We will redue the renewl premium (prt from the mount we hrge under setion 4) ording to the following sle if no lim is mde or rises under this poliy in the period of insurne. We will py for hrges mde y fire uthority under the Fire Servies At 1981 to: ontrol or put out fire in your r (in irumstnes whih hve given rise to vlid lim under your poliy); nd Insurne provided (see your poliy shedule) Depending on the terms, exeptions nd onditions of this poliy, the following setions will pply when over is: omprehensive - 1, 2, 3, 5, 6 nd 7 Period of insurne Redution One yer 10% Two yers 20% Three yers 30% Four yers 40% Five yers 50% remove the driver or pssengers from the r using utting equipment. The most we will py is 1,000. third prty fire nd theft - If shown in the poliy shedule - 4 Cr-shring 1 (pplies only for loss or dmge to your r used diretly y fire, selfignition, lightning, explosion, theft or ttempted theft). Windsreen dmge my not pply. 2, 3(), 5, 6 nd 7 When your r is eing used for soil or similr purposes to rry pssengers nd you reeive ontriutions for this, we will not onsider it to e using your r for hire or rewrd s long s: your r is not uilt or dpted for more thn eight pssengers; you re not rrying pssengers s usiness; nd Any pyment we mke for fire or theft lims will not ffet your no-lims disount. You ern the no-lims disount on eh r seprtely if you insure more thn one r with us. Replement lok over If the r keys or lok trnsmitter of your r is lost or stolen, we will py for the ost of repling: 1 the door loks nd oot lok; 2 the ignition steering lok; nd 3 the lok trnsmitter nd entrl-loking interfe. However, you must prove to us tht ny person who my hve your keys or trnsmitter is likely to know where you keep your r. We will not tke off the exess nd your no-lims disount will not e ffeted if you lim under this setion. 6 7

6 Generl exeptions Generl onditions 8 We will not py for the following exept where it is neessry to meet the requirements of rod trffi legisltion. 1 Any ident, injury, loss, dmge or liility whih hppens if ny vehile shown in the ertifite is, t the time of the ident, eing driven or used other thn s llowed under the terms of the ertifite. 2 Any liility you hve under n greement whih you would not hve if the greement did not exist. 3 Any ident, injury, loss or dmge (exept under setion 2) rising during or s result of: () n erthquke; or () riot or ivil ommotion hppening some where else other thn Irelnd, Gret Britin, the Isle of Mn or the Chnnel Islnds (unless you n prove tht the loss, dmge or injury ws not used y tht riot or ivil ommotion). 4 Loss or dmge (exept under setion 2) diretly used y pressure wves s result of irrft nd other flying ojets trvelling t or ove the speed of sound. 5 A Loss or dmge to ny property or ny indiret loss or expense (onsequentil loss). Any legl liility diretly or indiretly used y, ontriuted to or rising from: B C ionising rdition or ontmintion y rdiotivity from ny irrdited nuler fuel or from ny nuler wste from urning nuler fuel; or the rdiotive, toxi, explosive or other dngerous properties of ny explosive nuler ssemly or prt of it. Any onsequene of wr, revolution or similr event. Any onsequene of n t of terrorism, inluding ny tion tken to ontrol or prevent n t of terrorism. Terrorism mens n t or thret of fore or violene y ny person or group, whether ting lone or in onnetion with ny orgnistion, whose intention is to influene ny government or to ple the puli, or ny setion of the puli, in fer. Keeping to the poliy onditions 1 You must keep to these onditions efore we will mke ny pyment under this poliy. d Clims The nswers in ny proposl nd delrtion for this insurne must e true nd omplete s fr s you know. The proposl nd delrtion will form the sis of this ontrt. You or ny other person on whose ehlf pyment is limed must keep to the terms nd onditions of this poliy. You must let us know out ny relevnt fts tht my possily ffet our deision to provide insurne, sine the strt dte of the poliy or your lst renewl dte (whihever is the ltest). If you do not tell us these fts, your poliy my not provide the over you need or my not e vlid t ll. Any person whose driving is overed y the terms of the ertifite must hold liene to drive tht vehile or, if they hve held liene to drive tht vehile, must not hve een disqulified from holding tht liene. 2 You or ny other person we over under prgrph 4 of the ertifite must: write nd let us know immeditely out ny event whih my led to lim under this poliy, with ll the detils we my need; write nd tell us immeditely if you eome wre of ny proseution or inquest in onnetion with the event; d e not dmit, deny, negotite or settle lim without our written permission; send us ll douments, proof, informtion nd ny letter or legl summons or similr doument we my resonly need; nd o-operte fully with us in investigting nd hndling ny lim. We my do the following: We my tke over nd rry out in your nme (or tht of ny person defined s n insured person under setion 2 of this poliy) legl proeedings to defend or settle ny lim, or to proseute in your nme (or the nme of nother person) ny lim for our own enefit. We will deide how ny proeedings re rried out or how ny lim is settled. If we hve to meet ny legl liilities under this insurne s Rod Trffi At insurer, we hve the right to sk you (or ny other person) to repy us if you hve not kept to the terms, onditions nd exeptions of this poliy. If the lw of ny ountry in whih this poliy pplies, or n greement etween insurers nd government (for exmple, the Motor Insurers' Bureu of Irelnd greement) sys we must mke ny pyment on your ehlf whih we would not otherwise hve pid, we hve the right to: 9

7 get the mount k from you; or get the mount k from the person who ws responsile; or get the mount k from oth of you. Mid term ltertions 3 If you mke n ltertion to your poliy nd this results in n djustment in premium, we will not hrge you for premium djustments less thn 20, nor will we refund you ny premium mounts of less thn 20. Cnelltion 4 You my nel this poliy t ny time y returning your ertifite of motor insurne nd windsreen dis to us. As long s no lim hs hppened during the urrent period of insurne, we will work out the premium for the period for whih we hve insured you nd refund ny lne, provided tht the refund due to you mounts to t lest 20. If you nel the poliy during the first yer, the refund will e sed on our short-period rtes. Short period rtes Period for whih poliy over pplied in the first yer Not more thn 21 dys 80% Not more thn 1 month 70% Not more thn 2 months 60% Not more thn 3 months 50% Not more thn 4 months 40% Not more thn 5 months 30% Not more thn 6 months 20% Not more thn 7 months 10% 8 months or over 0 Perentge of yerly premium tht ould e refunded We my nel this poliy y sending 10 dys notie y registered letter to your lst known ddress. You will then e entitled to refund of prt of your premium, s long s the refund mounts to t lest 20. We my nel this poliy without hving to give you ny reson. If you wish to nel your poliy in the 14 dys fter: the strt of the poliy; or the dy on whih you reeive your poliy douments; whihever is lter, plese red the setion 'Your poliy nd shedule' on pge 3 for more informtion. Frud 5 If ny lim is frudulent in ny wy, or if you or nyone ting on your ehlf hs used ny type of frud, you will lose ll enefit under this poliy. This will lso pply if you exggerte lim or if you send forged or flse douments to us. Duty to tke re 6 You must tke ll resonle steps to prevent ident, injury, loss or dmge, nd must keep your r in rodworthy ondition. You must llow us to exmine your r t ny time. Aritrtion 7 Any dispute etween you nd us (out our liility over lim or the mount to e pid) must e referred (within 12 months of the dispute rising) to n ritrtor ppointed jointly y you nd us. If you nd we nnot gree on n ritrtor, the President of the Lw Soiety of Irelnd will deide on the ritrtor nd the deision of tht ritrtor will e finl. If you do not refer the dispute to ritrtion within 12 months, we will tret the lim s ndoned. Replement or extr r 8 You must: immeditely give us full detils of ny replement or extr privte r (if you do not give us those detils, you will hve no over under this poliy for tht replement or extr r); py us ny extr premium due; nd let us know if you get rid of the r so you n qulify for refund of your premium. Other Insurne 9 If t the time of ny lim you hve nother insurne poliy overing the sme loss, dmge or liility, we will py only our shre of the lim. If t the time of ny lim ny other insured person (defined in setion 2 - Liility to third prties) hs nother insurne poliy overing the sme loss, dmge or liility, we will not py ny prt of the lim. Events we insure Setion 1 - Loss of or dmge to the r We will py for loss of or dmge to the r or ny prt of it or its essories nd spre prts (whether on your r or in your privte grge), nd loss or dmge while it is eing trnsported y se (inluding loding nd unloding) etween ny ports in the territories overed y this poliy. We my: repir or reple the r or ny prt of it; or py sh mount for the loss or dmge. Hire-purhse or ontrt-hire greement If we know tht your r is overed y hirepurhse or ontrt-hire greement, we will py ny lim to the owner desried in the greement. We will then hve no further liility for the pyment. Windsreen dmge We will py for loss of or dmge to the glss in your r s windsreen or ny other r window (not inluding the sunroof) nd ny srthing on the odywork s result of the rekge. We my: repir or reple the windsreen; or py sh mount for the loss or dmge. If you use Allied Irish Windsreens (Phone ) or Autoglss (Phone ) for the replement or repir there is no limit pplile. If you use ny other windsreen repirer there is limit of 225. Any pyment will not ffet your no-lims disount (see pge 7), nd we will not sk you to py ny exess if you lim. Towing hrges We will py the resonle ost of proteting nd removing your r to the nerest repirer if, s result of ny loss or dmge insured under this setion, you nnot drive the r. We will lso py the resonle ost of delivering it to you within the territories overed y this poliy fter the repir, replement, reinsttement or reovery. We will py the resonle ost of storing your r. New r replement We will reple your r with new r of the sme mke nd model (if r is ville in the Repuli of Irelnd) if: you re the originl nd only owner of your r from new; nd within 12 months of first registering your r, it is stolen nd not reovered or is lost 10 11

8 or dmged (in single ident) nd the ost of the repir, reinsttement or replement is more thn 50% of the urrent Repuli of Irelnd list prie of the r when new. To tke dvntge of this enefit, you must insure the r for its full replement ost for t lest 12 months fter first registering it. Exlusions to Setion 1 We will not py for: 1 loss in vlue, wer nd ter, mehnil, eletril or eletroni rekdown; 2 dmge to tyres y rking, puntures, uts or ursts; 3 loss of use; 4 loss or dmge over the urrent mrket vlue of the r t the time of loss or the mount shown under Vehile in the poliy shedule, whihever is less; 5 ny mount over 5% of the insured vlue of the r, or 650, whihever is less, for loss or dmge to rdio, hi-fi, r-phone or CB rdio equipment, unless we gree otherwise; or 6 ny modifitions unless they form prt of the mnufturers stndrd speifition or re optionl extrs tht we hve greed to over; or 7 ny more thn our shre for loss or dmge if, t the time of lim, there is ny other poliy overing the loss or dmge. Setion 2 - Liility to third prties We will py: the full mount n insured person (or their legl personl representtives) my hve to py for eing leglly lile for person s deth or odily injury; nd up to limit of 30,000,000 inluding 12 A B osts nd expenses, the mount n insured person (or their legl personl representtives) my hve to py for eing leglly lile for dmge to property; rising s result of n ident used y or in onnetion with the r. Definition of insured person For the purpose of insurne under this setion, the term insured person mens: 1 you; 2 ny person entitled to drive under the terms of the ertifite other thn person in the motor trde driving the r for purposes of overhul, upkeep, or repir; 3 ny person, with your permission, using ut not driving the r for soil, domesti nd plesure purposes; 4 ny person, with your permission, who is in, getting into or getting out of the r; 5 the owner of the r (if you sk us); nd 6 the employer or usiness prtner of ny person whose usiness use is overed y the terms of the ertifite. Legl osts We my py the following legl osts if they relte to n inident whih is overed under this setion. 1 The fees of soliitors sked to represent nyone we insure t oroner s inquest or defene in ny distrit ourt. 2 The osts of defene ginst hrge, under susetion 2(A) of Setion 53 of the Rod Trffi At 1961, of mnslughter or using deth or serious odily hrm y dngerous driving. C 3 All other legl osts nd expenses whih re run up in defending ny lim for odily injury or dmge to property rising s the result of n ident used y or onneted to the r nd for whih the insured person my e leglly lile. You must hve our written permission efore we will mke ny pyment. Compulsory insurne in the Europen Union nd other ountries We will extend the insurne under this setion to give the minimum over needed y lw relting to ompulsory insurne for vehiles in ny ountry whih: is memer of the Europen Union; or hs, ording to the Commission of the Europen Union, mde rrngements to meet Artile 7(2) of the EC Diretive on insurne of ivil liilities rising from using motor vehiles (numer 72/166/ EEC). D Driving other rs We will py: the full mount you my hve to py under this setion for eing leglly lile for person s deth or odily injury; nd up to limit of 30,000,000 the mount you my hve to py for dmges nd for the osts nd expenses of the person liming for dmge to property; s result of n ident used y or in onnetion with you driving ny other privte r you do not own. E Unspeified dethed trilers We will, on ehlf of n insured person (or their legl personl representtives), py: the full mount they my hve to py under the Rod Trffi Ats for eing leglly lile for person s deth or odily injury; nd up to limit of 30,000,000 the mount they my hve to py under the Rod Trffi Ats for dmges nd osts nd expenses of the person liming for dmge to property; for ny dethed single-xle triler tht weighs up to hlf tonne when not loded. Exlusions to setion 2 Unless we must do so under the rod trffi legisltion, we will not py: 1 for dmge to property owned y or in the possession or ontrol of the insured person; 2 for deth of or odily injury to ny person driving the r, or in hrge of it for the purpose of driving it; 3 if the insured person hs over for the liility under nother poliy; 4 for odily injury to ny person rising out of nd in the ourse of tht person s employment y the insured person, or 5 for ny loss, dmge, liility or injury rising from rvns, moile homes, triler tents, ot trilers, nd ny triler whih inludes mhinery or other equipment. 13

9 Setion 3 - Medil expenses nd emergeny tretment We will py: A B you for ny identl odily injury suffered in diret onnetion with the r up to 130 for eh person for medil expenses ny oupnt hs to py (inluding the driver of the r); nd the ost of emergeny tretment for injuries used y or rising out of using ny motor vehile whih we over under this poliy if liility for tht tretment rises under the Rod Trffi Ats. Setion 4 - JourneyWise ident over We will py the following enefits for the events desried: () deth 26,000 () totl nd permnent loss of sight in one or oth eyes 26,000 () loss of one or more lims 26,000 (d) for eh omplete dy you or they spend s n inptient in hospitl for up to 20 dys 130 We will py enefits to ny person insured who is injured: A B C while in, getting into or getting out of privte r while in, getting into or getting out of ny trin, us, txi, irrft, ot, ship or hoverrft, ut only s fre-pying pssenger; or while s pedestrin involving ny rod vehile, trin or irrft. The injury must e the only use of deth, loss of sight in one or oth eyes, or loss of lim of the person insured. Exlusions to setion 4 1 We will not py for ny person insured: d e tking prt in ring, rllies, trils, speed-testing or motoryling; ffeted (temporrily or otherwise) y lohol, drugs or solvent use; hving lood or urine lohol level ove the legl limit shown in the Rod Trffi Ats nd ny further regultions; more thn one of the mounts pyle under the enefits, or under this setion in onnetion with the sme ident; or who lives permnently outside the Repuli of Irelnd. 2 We will not py for deth or odily injury: due to suiide or ttempted suiide; used, prolonged or mde worse y ny illness or disility you hd efore the ident; or whih does not hppen within six months of the dte of the ident. Conditions whih pply when settling lims under setion 4 Any person insured or their legl personl representtives must: let us know s soon s possile fter ny ident whih my give rise to lim under this poliy; nd produe ny medil ertifites nd ny other evidene whih we my need nd py ny osts involved in doing this. We will: if ny person insured dies, e entitled to hve post-mortem exmintion whih we will py for; nd hve the right to sk ny person insured to hve medil exmintion whih we will py for. You nnot trnsfer to nyone else your rights to ny enefit under this poliy. When we hve no further liility When ny person insured, or their legl personl representtives, reeives ny enefit we hve pid, we will hve no further liility under the poliy. Notes pplying to setion 4 1 If you or ny person insured dies, we will py deth enefit to the legl personl representtives. 2 The over in this setion pplies worldwide. 3 If we py enefit under this setion, it does not ffet your no-lims disount

10 Setion 5 - Endorsements The endorsements in this setion whih re shown in your poliy shedule will lso pply. PC1 Driver qulifition (full EU liene) In generl ondition 1d, we re repling the words must hold liene with the words must hold full EU liene. PC2 Driver qulifition (EU liene-full or provisionl) In generl ondition 1d we re repling the words must hold liene with the words must hold n EU liene. PC3 PC4 Driver qulifition (open driving - option 1: full EU liene) In generl ondition 1d, we re repling the words must hold liene with the words must hold full EU liene for ll drivers. We will not provide over under the poliy while the r is eing driven y, (or is in the hrge of, for the purpose of eing driven y) ny person who is under 25 or over 70 yers of ge. Driver qulifition (open driving - option 2: full EU liene plus nmed drivers) In generl ondition 1d, we re repling the words must hold liene with the words must hold full EU liene for ll drivers, exept s shown in elow. No over opertes under the poliy while the r is eing driven y (or is in the hrge of for the purpose of eing driven y) ny person who is under 25 or over 70 yers of ge unless tht person is nmed in the shedule whih is tthed to this poliy. No over opertes under the poliy while the r is eing driven y (or is in the hrge of for the purpose of eing driven y) ny person who holds provisionl EU liene unless tht person is nmed in the shedule whih is tthed to this poliy. PC11 Exluding driving other rs We hve nelled luse D of setion 2 of the poliy heded Driving other rs. PC14 Exess - identl dmge For eh event under setion 1 of the poliy, we will not py the first mount (shown in the shedule s exess) we would otherwise py for loss or dmge to the r other thn y fire, self-ignition, lightning, explosion or y theft or ttempted theft. Any mount in the shedule pplies s well s ny other mount (exess) for whih we re not lile under this poliy. PC28 Frmers We will not py for dmge to the r used y the goods you re rrying. PC69 Foreign use This poliy will pply for the period shown in the interntionl motor insurne rd (Green Crd) we hve issued for the r while it is in ny of the ountries the Green Crd pplies to or while eing trnsported etween ny ports in those ountries. If you lim for risk we insure, we will lso over ny osts you hve s result of eing fored to py ustoms duty or Spnish Bil Bond. PC70 Speified trilers (see the shedule for the over whih pplies) We will extend the over under this poliy to the trilers desried in the shedule of the poliy while tthed to your r, for the purposes of eing operted or drwn, or dethed nd not eing used. The over for the triler is shown in the shedule. We will not e lile for ny loss, dmge, liility, or injury rising out of ny event whih hppens while your r is pulling more trilers thn is llowed y lw. PC71 Windsreen dmge - third-prty fire nd theft We will extend the over under this poliy to py for loss of or dmge to the glss in your r s windsreen or ny other r window (not inluding the sunroof) nd ny srthing on the odywork s result of the rekge. We my repir or reple the windsreen or py sh mount for the loss or dmge. If you use Allied Irish Windsreens (Phone ) or Autoglss (Phone ) for the replement or repir there is no limit pplile. If you use ny other windsreen repirer, there is limit of 225. Any pyment will not ffet your no-lims disount (see pge 7) nd we will not sk you to py ny exess if you lim. You must py n extr premium for this over. PC72 Seond r disount We will llow n pproprite disount off your premium if: there is seond r in your household elonging to you or your prtner, whih is urrently insured under motor poliy; nd the driving option on your poliy is 'insured nd prtner'. PC99 Speil lims exess where you do not tell us out penlty points It is ondition of this poliy tht you let us know if ny driver under this poliy hs reeived penlty points on his or her liene. If you do not keep to this ondition, you will hve to py poliy exess of 2,500 s well s ny existing poliy exess, whih mens tht we my not py for t lest the first 2,500 for ny lim. If we hve to del with lim from third prty, we my wnt to reover the first 2,500 from you. PC202 (B) Spre prts luse for Jpnese or Fr Estern imports For eh event where replement prts re needed to repir the r nd the prts re not ville or out of stok from the mnufturer s Europen representtives or gents, you must py the ost of the replement over the prie shown in the ltest mker s prie list

11 PC208 Optionl no-lim disount step-k If you mke single lim or one rises during ny period of insurne, we will redue your no-lims disount s follows. 50% to 20% 40% to 10% 30% or less to nil You must py n extr premium for this over. PC302 Optionl proteted no-lim disount You my only vil of this over when your no-lims disount is shown s 5 yers or more (50%) on your shedule. You my mke up two lims osting ny mount in three-yer period without losing your no-lims disount. We will not tke ount of lims for windsreen rekge or fire or theft for the purposes of this over. You must py n extr premium for this over. If we py more thn two lims in the threeyer period then your no-lims disount will e ffeted s detiled in the endorsement numer PC208 - No-lim disount stepk in your poliy. PC5,000 Milege disount We will tke the pproprite milege disount off your premium s long s you do not drive more thn 5,000 miles yer. PC10,000 Milege disount We will tke the pproprite milege disount off your premium s long s you do not drive more thn 10,000 miles yer. PCYD1 Exlusion of identl dmge For eh event under Setion 1 of the poliy, we will not py for loss or dmge to the r other thn y fire, self-ignition, lightning, explosion or y theft while the r is eing driven y or is under the diret ontrol of ny driver etween the hours of 11pm nd 6m. Setion 6 - Personl elongings We will py up to 150 for ny one event for ny loss of or dmge to personl elongings in the r used y fire, ident or theft. We my, if you sk, py the owner of the property diretly. If we mke pyment under this setion, it will not ffet your no-lims disount. Exlusions We will not py for loss or dmge to: money, stmps, douments or seurities (suh s shre nd Premium Bond ertifites); or goods or smples rried in onnetion with ny trde. Setion 7 - Brekdown Assist over We will py for the following kinds of rekdown Mehnil rekdown, fire, theft or ttempted theft, mliious dmge, puntures tht need help to fix or to reple wheel, lost keys, stolen keys, nd keys roken in the lok or loked in the r. Cover pplies in the 32 ounties of Irelnd, nd in Englnd, Sotlnd nd Wles. However, we do not over the enefits Finishing the journey or Theft of your r while your r is in Englnd, Sotlnd or Wles (prt from s set out elow). We will not e lile for ny expenses you run up without our pprovl eforehnd, or for expenses you run up without dilling the Freephone numer first or lling from Northern Irelnd, Englnd, Sotlnd or Wles We re entitled to provide wht we onsider to e the most suitle enefit t the time you need the ssistne. This is euse not ll options re lwys ville to us t the time of the rekdown. The following enefits re ville:- 1 Rodside nd drivewy ssistne We will send ompetent repirer to help you t the sene. If your vehile n e repired immeditely, we will provide up to one hour s free lour. You must e with the r when the repirer rrives. If you re not with the r nd we nnot help you, you must py for ny help you then need. 2 Towing We will over the ost of towing the r to: the nerest ompetent repirer; or your own grge; whihever is loser. 3 Finishing the journey in the 32 ounties of Irelnd (Cover only pplies when you re more thn 30 kilometres from your home.) If repirs nnot e rried out t the sene, we will py for: trnsport for you nd your pssengers to your intended destintion; or replement r for up to 48 hours nd trnsport k to ollet your r when repired; or ed-nd-rekfst ommodtion while you nd your pssengers re witing for repirs to e finished (up to 35 for eh person, nd 150 in totl). 3 Finishing the journey in Englnd, Sotlnd or Wles If the repirer is not le to rry out repirs t the sene of the rekdown, we will provide replement r for up to 48 hours. The most we will py for this is 100. If your r nnot e repired efore your deprture dte, we will py for your r to e towed to the port in Englnd, Sotlnd or Wles you re leving from. The most we will py for this is

12 4 Theft of your r If your r hs een stolen nd not reovered within 24 hours, we will provide replement r: for up to five dys; or until your r is reovered; whihever is sooner. This over only pplies in the 32 ounties of Irelnd. You must lso report the theft to us nd the Grdí immeditely. If you hve n ident Only enefit numer 2 pplies if you hve n ident. Messges We will pss on up to two urgent messges on your ehlf. Exlusions to setion 7 We will not py for the following: 1 Any liility or loss rising from ny t rried out in providing the ssistne servie. 2 Expenses you n lim from ny other soure. 3 Any lim rising where the r is rrying more pssengers or towing greter weight thn it ws designed for, or rising diretly from unresonle driving on n unsuitle surfe. 4 Any ident or rekdown resulting from delierte t. 5 The osts of repiring the r, other thn s desried in the enefits setion. 6 The osts of ny prts, keys, lurints, fluids or fuel needed to e le to drive the r gin. 7 Any lim used y fuels, oils or other flmmle mterils, explosives or toxins trnsported in the r. Limit of responsiility We will not e responsile to you if we re not le to provide the servies set out in this setion. The ommeril onditions for hiring replement r pply. These onditions inlude, ut re not limited to, the following. The driver must provide full driving liene, whih must e free of endorsements. The driver must provide sh or reditrd deposit. The r must e returned to the pik-up point. We will not e responsile to you if we fil to meet ny of our responsiilities s result of: government ontrol, restritions or prohiitions; ny other t or filure to t of ny puli uthority (inluding government), whether lol, ntionl or interntionl; the fult of ny supplier, gent or other person; lour disputes or diffiulties; or ny other event eyond our resonle ontrol. 20

13 Teso Cr Insurne will provide you with speedy, effiient nd friendly servie. Depending on your query or sitution, the numers you should ll re: Customer Hotline Clims Hotline Brekdown Assist From Northern Irelnd, Englnd, Sotlnd or Wles Teso Cr Insurne is rrnged y Teso Personl Finne pl, it is underwritten nd dministered y Hiernin Aviv Generl Insurne Limited. Teso Personl Finne pl is registered in Sotlnd with numer Registered offie t Interpoint Building, 22 Hymrket Yrds, Edinurgh EH12 5BH. Teso Personl Finne pl is regulted in the UK, s redit institution, y the Finnil Servies Authority under the Finnil Servies nd Mrkets At Hiernin Aviv Generl Insurne Limited is regulted y the Finnil Regultor nd is memer of the Irish Insurne Federtion. For your protetion, we my reord or monitor your lls. Teso Personl Finne pl ts s n insurne intermediry in the Repuli of Irelnd, offering rnge of life nd nonlife produts, s well s redit rds. In rrnging non-life insurne in Irelnd, Teso Personl Finne pl ts s non-life insurne intermediry for ACE Insurne S.A-N.V., for Finnil Insurnes Compny Limited ( memer of the GE Finnil Insurnes (Irelnd) Group) nd Hiernin Aviv Generl Insurne Limited. In rrnging life insurne in Irelnd, Teso Personl Finne pl ts s life insurne intermediry for Hiernin Aviv Life & Pensions Limited nd for Finnil Assurne Compny Limited ( memer of the GE Finnil Insurnes (Irelnd) Group). Ignition is registered trdemrk of Hiernin Aviv Generl Insurne Limited. TCI

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