Your car insurance policy

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1 Your cr insurnce policy If you hve n ccident...cll us stright wy on For our joint protection, clls my be recorded nd/or monitored.

2 Welcome. We ve got you covered. Together with your policy schedule, this booklet gives you ll the detils of your cr insurnce policy. If you hve got ny other questions or to tell us how you hve found us to del with just get in touch through our website. Cll us now on if: You hve been involved in n ccident; You need to mke clim; You need your glss repired. (This service is only vilble if you hve chosen comprehensive cover with us.) For nything else or to mke chnges to your policy or cover do it online t We cn help you if: You hve been involved in n ccident If you hve been involved in n ccident, cll us strightwy. Providing you hve vlid clim, we will recover your cr, nd get you nd your pssengers home or to your destintion nywhere within the territoril limits. (This service is only vilble if you hve chosen comprehensive cover with us.) Then once you re home sfely we will get your cr fixed t one of our pproved grges. You will lso benefit from our Repir Gurntee (see Section 1. Loss of or dmge ). We will settle ll the bills direct, nd we will lso tke you through your clim. If someone else s insurers get in touch with you, just pss them on to us. (This service is only vilble if you hve chosen comprehensive cover with us.) If your cr hs been dmged due to fire or theft, we will instruct one of our pproved repirers, uthorise repirs nd settle repirer pyments directly. You will lso benefit from our pproved Repir Gurntee. You need to mke clim We will tke your detils over the phone. We cn do things fster if you hve got these detils: Your policy number; The registrtion number of your cr nd ny other crs involved; The nmes nd ddresses of everyone else in the ccident, including your pssengers; Specifics bout wht hppened nd the dmge ; Reference numbers from the police if you hve been given them. Or you cn downlod the Generl Accident MyClims pp for your iphone. You just need to enter your detils when you downlod it, nd you will be redy to go if you need to clim. You need your glss repired We will rrnge convenient time for our glss repirer to come nd sort out your windscreen, sunroof or windows. (This service is only vilble if you hve chosen comprehensive cover with us.) Lrge print, udio nd Brille If you need this policy in lrge print, udio or Brille, emil us t Telephone cll chrges nd recording The cost of clls to 0844 numbers my vry. Plese contct your network provider for detils. For our joint protection telephone clls my be recorded nd/or monitored. 2

3 Your policy This policy booklet forms prt of your legl contrct with us nd explins exctly wht you re covered for. Your schedule shows the level of cover you hve chosen. The contrct of insurnce This policy is contct of insurnce between you, the policyholder, nd us, Aviv Insurnce Limited, trding s Generl Accident. You enter into contrct with us when you gree to tke out the policy on the terms nd conditions we hve offered nd to py the premium. The following elements form the contrct of insurnce between you nd us. Plese red them nd keep them sfe. 1. Policy Booklet. 2. Your Informtion Provided By You (IPBY) nd schedule. 3. Any cluses s shown in the schedule. 4. Certificte of motor insurnce. 5. The informtion under the heding Importnt Informtion which we provide to you when you tke out or renew your policy. 6. Chnges to your policy contined in notices issued by us t renewl. In return for you pying your premium, we will provide the cover shown in your schedule for ny ccident, injury, loss or dmge tht hppens within the territoril limits during the period of insurnce. Any chnges mde during the period of insurnce will be treted s continution of the contrct of insurnce. Our provision of insurnce under this policy is conditionl upon you observing nd fulfilling the terms, provisions, conditions nd cluses of this policy. Renewl of the contrct of insurnce Ech renewl of the policy represents new contrct of insurnce. i. For existing customers who py by nnul or monthly direct debit or continuous crd uthority you enter into new contrct of insurnce with us commencing on the cover strt dte shown on your renewl schedule. ii. For existing customers who py nnully, other thn s set out in prgrph (i) bove, you enter into new contrct of insurnce with us commencing on the dte when you gree to renew the policy nd to py the premium. You will be covered for the period of insurnce shown on your renewl schedule. Choice of lw The lw of Englnd nd Wles will pply to this contrct unless: You nd we gree otherwise; or At the dte of the contrct, you re resident of (or, in the cse of business, the registered office or principl plce of business is situted in) Scotlnd, Northern Irelnd, Chnnel Islnds or the Isle of Mn, in which cse (in the bsence of greement to the contrry) the lw of tht country will pply. Lnguge Unless otherwise greed, the contrctul terms nd conditions nd other informtion relting to this contrct will be in English. Your cncelltion rights You hve sttutory right to cncel your policy within 14 dys from the dy of purchse or renewl of the contrct, or the dy on which you receive your policy or renewl emil confirmtion, whichever is the lter. If you wnt to cncel, nd the insurnce cover hsn t strted yet, you will be entitled to full refund of the premium pid. Or, if you wish to cncel nd the insurnce cover hs lredy strted, you will be entitled to refund of the premium pid, less proportionte deduction for the time for which you hve been covered. There will lso be n dditionl chrge s shown in your schedule of up to if you cncel within the first 14 dys (plus Insurnce Premium Tx, where pplicble) to cover the dministrtive cost of providing the policy. 3

4 You won t receive refund of premium if ny clim hs been mde under Section 1. Loss of or dmge nd; 1. We hve greed to settle your clim by pying the mrket vlue (less ny excess pplicble), or by replcing your cr under new cr replcement; nd, 2. We hven t been ble to recover the full mount from responsible third prty. You cn cncel your policy online vi your My ccount, nd must confirm the surrender of your certificte of motor insurnce t the point of cncelltion. It is your responsibility to notify ll persons insured tht this policy hs been cncelled. If you don t exercise your right to cncel your policy, it will continue in force nd you will hve to py the premium. For your cncelltion rights outside the sttutory cooling-off period, plese refer to the Generl conditions section of this policy booklet. Administrtion chrge There will be no dministrtion chrge pplied to chnges mde by you online vi My ccount. We reserve the right to pply n dministrtion chrge of up to 30 (plus Insurnce Premium Tx where pplicble) for ny djustments you sk us to mke to your policy. Informtion nd chnges we need to know bout You must tke resonble cre to provide complete nd ccurte nswers to the questions we sk when you tke out, mke chnges to, nd renew your policy. You cn mke chnges online t or by e-miling us t Plese tell us immeditely if there re ny chnges to the informtion set out in the Informtion Provided By You document, certificte of motor insurnce or on your schedule. You must lso tell us immeditely bout the following chnges: A chnge to the people insured, or to be insured. Motoring convictions (driving licence endorsements, fixed penlties or pending prosecutions for ny motoring offence) for ny of the people insured, or to be insured. Criminl convictions for ny of the people insured, or to be insured. A chnge of vehicle. Any vehicle modifictions. Any chnge ffecting ownership of the vehicle. Any chnge in the wy tht vehicle is used. If you re in ny doubt, plese e-mil us t When you inform us of chnge, we will tell you if this ffects your policy, for exmple whether we re ble to ccept the chnge nd if so, whether the chnge will result in revised terms nd/or premium being pplied to your policy. If the informtion provided by you is not complete nd ccurte: we my cncel your policy nd refuse to py ny clim, or we my not py ny clim in full, or we my revise the premium nd/or chnge the compulsory excess, or the extent of the cover my be ffected. 4

5 Definitions Wherever the following words or phrses pper in bold in this policy booklet, they will hve the menings described below. Accessories Prts of your cr which ren t directly relted to how it works s cr. This includes udio equipment, multi-medi equipment, communiction equipment, personl computers, stellite nvigtion nd rdr detection systems providing they re permnently fitted nd hve no independent power source. Approved repirer A fcility pproved by us for the repir, dmge ssessment nd/or storge of your cr. Certificte of motor insurnce The current document tht proves you hve the motor insurnce required by the Rod Trffic Acts to use your cr on rod or other public plce. It shows who cn drive your cr, nd wht you cn use it for nd whether you re llowed to drive other crs. The certificte of motor insurnce does not show the cover you hve. Cluses Chnges in the terms of your policy. These re shown in your schedule. Excess The mount you will hve to py towrds ny clim. Fire Fire, self-ignition, lightning nd explosion. Green crd A document required by certin non-eu countries to provide proof tht you hve the minimum compulsory insurnce cover required by lw to drive in tht country. Ignition keys Any key, device or code used by you to secure, gin ccess to, nd enble your cr to be strted nd driven. Loss of ny limb Severnce t or bove the wrist or nkle, or the totl nd permnent loss of use of hnd, rm, foot or leg. Mrket vlue The cost of replcing your cr with one of the sme mke, model, specifiction nd condition. Period of insurnce The period of time covered by this policy, s shown in your schedule, or until cncelled. Ech renewl represents the strt of new period of insurnce. Personl belongings Personl property within your cr including portble udio equipment, multi-medi equipment, communiction equipment, personl computers, stellite nvigtion nd rdr detection systems not permnently fitted. Repir qulity Bodywork repirs, pint repirs nd workmnship (the work crried out by skilled technicins) on repirs by our pproved repirer. Rod trffic cts Any Acts, Lws or Regultions, which govern the driving or use of ny motor vehicle in Gret Britin, Northern Irelnd, the Isle of Mn nd the Chnnel Islnds. Schedule The document which gives detils of the cover you hve. 5

6 Territoril limits Gret Britin, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn, the Republic of Irelnd, Andorr, Austri, Belgium, Bulgri, Croti, Cyprus, the Czech Republic, Denmrk, Estoni, Finlnd, Frnce (including Monco), Germny, Gibrltr, Greece, Hungry, Icelnd, Itly (including Sn Mrino nd the Vticn City), Ltvi, Lithuni, Luxembourg, Mlt, the Netherlnds, Norwy, Polnd, Portugl, Romni, Slovki, Sloveni, Spin, Sweden nd Switzerlnd (including Liechtenstein). Theft Theft, ttempted theft or tking your cr without your consent. We/us/our Aviv Insurnce Limited trding s Generl Accident except where otherwise shown for ny policy section nd ny representtive ppointed by us to ct on our behlf, except where otherwise shown for ny policy section. You/insured/policyholder The policyholder nmed in your schedule. Any motor vehicle loned to you or permitted driver shown on your certificte of motor insurnce for up to seven dys by grge, motor engineer or vehicle repirer while the motor vehicle described on your schedule is being either serviced, repired or hving MOT test. (This cover is only vilble if you hve chosen comprehensive cover with us). Your prtner The husbnd or wife of the policyholder, or the policyholder s domestic or civil prtner living t the sme ddress s the policyholder nd shring finncil responsibilities. This does not include ny business prtners or ssocites. Your cr Any motor vehicle described in the schedule nd ny other motor vehicle for which detils hve been supplied to us nd certificte of motor insurnce bering the registrtion mrk of tht motor vehicle hs been delivered to you nd remins effective; Any motor vehicle loned to you or permitted driver shown on your certificte of motor insurnce by supplier we hve nominted following clim under the policy; (This cover is only vilble if you hve chosen comprehensive cover with us). 6

7 Cover summry Some cover sections under this policy re optionl nd do not pply unless shown in your schedule. Third Prty Section Cover Pge Fire & Theft 1. Loss of or dmge Fire & Theft only 8 Vehicle recovery in the event of n ccident or fire or theft Fire & Theft only 8 Repir gurntee Fire & Theft only 8 Courtesy cr (whilst your cr is being repired) 9 Hire cr (following totl loss or theft) Optionl Optionl 9 New cr replcement 9 2. Your libility 12 Driving other crs (Third Prty only cover) (policyholder only) 12 Libility of other persons driving or using your cr 12 Legl personl representtives 13 Legl services Personl belongings Emergency tretment No clim discount 18 Protected no clim discount three yers Optionl Optionl 19 Protected no clim discount four yers or more Optionl Optionl Glss Foreign use Personl ccident 22 (policyholder nd prtner) 9. Legl services Optionl Optionl 23 7

8 Section 1. Loss of or dmge Loss of or dmge Third Prty Fire & Theft Fire & Theft only If your cr is lost, stolen or dmged, we will: 1. py for your cr to be repired; or 2. replce your cr; or 3. py you csh mount equl to the loss or dmge. We my decide to use suitble prts or ccessories not supplied by the originl mnufcturer. The sme cover lso pplies to: 1. ccessories, 2. spre prts nd components for your cr while these re in or on your cr or while in your privte grge. The most we will py for ccessories is shown in your schedule unless fitted by the mnufcturer. The most we will py will be the mrket vlue of your cr t the time of the loss. If we know tht you re still pying for your cr under hire purchse or lesing greement, we will py ny clim to the owner described in tht greement. Our libility under this section will then end for tht clim. Vehicle recovery in the event of n ccident or fire nd theft Third Prty Fire & Theft Fire & Theft only Within the territoril limits we cn rrnge for the protection nd removl of your cr. In the event of n ccident plese ring our Clims helpline nd we will rrnge for the following: 1. Someone to come out nd help. If your cr cnnot be mde rodworthy immeditely it will be tken to our nerest pproved repirer. 2. Your cr cn be tken to repirer of your choice if this is nerer, but this my led to delys in rrnging the repirs. An dditionl excess will pply in ddition to ny other excesses under this policy if the repirer chosen is not one of our pproved repirers. We do not provide courtesy cr if the repirer chosen is not one of our pproved repirers. 3. Trnsport for you nd your pssengers home or for the completion of your journey. 4. The onwrd trnsmission of ny messges on your behlf. 5. Delivering your cr bck to your ddress in Gret Britin, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn fter the repirs hve been crried out. In providing ccident recovery ssistnce, we will use our resonble cre nd skill when providing the service. We cn, however, cncel services or refuse to provide them if the demnds mde re excessive, unresonble or imprcticl. 8

9 Repir gurntee Third Prty Fire & Theft Fire & Theft only We will continue to gurntee the repir qulity crried out on your cr by our pproved repirer for period of 3 yers from the dte of completion of the repirs, or for the reminder of the originl mnufcturer s wrrnty for your cr if it s more thn 3 yers. All prts fitted by our pproved repirer will be covered for the durtion of the gurntee provided by the prt mnufcturer or supplier. Exclusion to repir gurntee We won t py for dmge under the repir gurntee rising from deteriortion nd wer nd ter or prts nd component filures. Courtesy cr Third Prty Fire & Theft A courtesy cr is provided subject to vilbility to reduce your inconvenience nd where possible ensure you remin mobile. It is not intended to be n exct replcement for your cr. All courtesy crs hve comprehensive cover under your policy for the period the courtesy cr is provided. 1. A courtesy cr will only be provided when your clim hs been ccepted nd your cr is repirble, nd is being repired by our pproved repirer network. 2. A courtesy cr is typiclly smll three door htchbck cr with n engine size of 1 litre. 3. If your cr is immobile or unrodworthy we im to provide courtesy cr within one working dy (however if n incident occurs during weekend or on bnk/public holidy, it my not be possible to provide courtesy cr until the following norml working dy). 4. To void undue delys, plese dvise us during the erly stges of your clim if you need n utomtic trnsmission courtesy cr. Automtic courtesy crs cn be supplied, providing the cr being repired is n utomtic. We do not provide courtesy cr outside Gret Britin, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn. However, you cn buy our Europen Brekdown option which provides cover if there is n ccident, brekdown or theft brod. Hire cr optionl cover Third Prty Fire & Theft Optionl Optionl The cover nd services explined in this section only pply if they re shown in your schedule. 1. A hire cr will be provided to you if your cr hs been stolen or hs been dmged nd is not repirble. Hire crs re subject to vilbility nd provided for up to 21 dys, or until your settlement hs been greed (whichever is erlier). 2. A hire cr is typiclly smll three door htchbck cr with n engine size of 1 litre. 3. If your cr is immobile or unrodworthy we im to provide hire cr within one working dy (however if n incident occurs during weekend or on bnk/public holidy, it my not be possible to provide hire cr until the following norml working dy). 9

10 4. To void undue delys, plese dvise us during the erly stges of your clim if you need n utomtic trnsmission cr. Automtic hire crs cn be supplied, providing the cr being repired is n utomtic. We do not provide hire cr outside Gret Britin, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn. New cr replcement Third Prty Fire & Theft We will replce your cr with new cr of the sme mke, model nd specifiction (if one is vilble in the UK) if, within 12 months of you or your prtner buying your cr from new: 1. The cost of repiring ny dmge covered by the policy is more thn 60% of the cr s UK list price (including cr tx nd VAT) when you bought your cr; or 2. Your cr is stolen nd not recovered. Crs sold s ex demonstrtors nd nerly new do not qulify for replcement under this section. Excesses If your cr is lost, stolen or dmged you re responsible for pying the excess shown in your schedule, no mtter how the loss or dmge hppened. If your cr is to be repired nd the repirer you choose is not one of our pproved repirers, then n dditionl excess will pply. This excess will be shown in your schedule. This excess will pply in ddition to ny other excess under the policy. A young driver excess will lso pply while the permitted driver of your cr is ged 24 or under. This excess will be shown in your schedule. This excess will pply in ddition to ny other excess under the policy. We will only replce your cr if: 1. You or your prtner own your cr or re buying it under hire purchse greement or other type of greement where ownership psses to you nd the finncing compny grees; nd 2. You or your prtner re the first registered keeper of your cr, or you or your prtner re the second registered keepers of your cr, if your cr hs been pre registered in the nme of the mnufcturer or supplying deler, providing t the time of purchse by you or your prtner, the milege of your cr ws less thn 250 miles. 10

11 Section 1. Loss of or dmge exclusions We won t py for: 1. Loss of use, wer nd ter, deprecition, or ny loss or dmge which hppens grdully. 2. Mechnicl, electricl or electronic filure, brekdown or brekge. 3. Computer nd equipment filure or mlfunction. 4. Loss or dmge rising from theft while: The ignition keys of your cr hve been left in or on your cr; Your cr hs been left unttended with the engine running. 5. Dmge to tyres by brking or by punctures, cuts or bursts. 6. Loss or dmge directly occsioned by pressure wves cused by ircrft or other eril devices trvelling t sonic or supersonic speed. 7. Loss of vlue following repir. 8. Loss or dmge rising from confisction or requisition or destruction by or under order of ny government or public or locl uthority. 11

12 Section 2. Your libility Your libility Third Prty Fire & Theft We will insure you for ll mounts which you my hve to py s result of you being leglly lible for: 1. Another person s deth or injury. 2. Dmge to nother person s property up to mximum mount of tht shown in your schedule (excluding tht person s costs nd expenses nd ny other costs nd expenses) nd up to the mount shown in your schedule for tht person s costs nd expenses nd ny other costs nd expenses incurred with our written consent in reltion to dmge to tht person s property s result of n ccident cused by: Your cr; Any triler while it is being towed by your cr. Driving other crs Third Prty Fire & Theft (policyholder only) We will insure you whilst you re driving ny other cr within Gret Britin, Northern Irelnd, the Chnnel Islnds nd the Isle of Mn providing: 3. You still hve your cr nd it hs not been dmged beyond cost effective repir. 4. You re ged 25 or bove, t inception or lst renewl of this policy. 5. Your certificte of motor insurnce indictes tht you cn drive such vehicle. Importnt Note: the cover provided whilst you re driving ny other cr is for Third Prty only. Libility of other persons driving or using your cr Third Prty Fire & Theft On the sme bsis tht we insure you under this section, we will lso insure the following persons: 1. Any person you give permission to drive your cr provided tht your certificte of motor insurnce llows tht person to drive your cr. 2. Any person you give permission to use (but not drive) your cr, but only whilst using it for socil, domestic nd plesure purposes. 3. Any pssenger trvelling in or getting into or out of your cr. 1. The cr does not belong to you or is not hired to you under hire purchse greement. 2. You re driving the cr with the owner s express consent. 12

13 4. The employer or business prtner of the person using ny cr for which cover is provided under this section while the cr is being used for business purposes, s long s your certificte of motor insurnce llows business use. This does not pply if; The vehicle belongs to or is hired by such employer or business prtner; The insured is corporte body or firm. Legl personl representtives Third Prty Fire & Theft In the event of the deth of nyone who is insured under this section, we will protect his or her legl personl representtives ginst ny libility tht the decesed person hd, which is covered by this section. We will not py representtion for: 1. A ple of mitigtion (unless the offence you re chrged with crries custodil sentence); 2. Appels. Legl services Third Prty Fire & Theft If you re involved in n incident which is covered under this section, we will py the fees nd disbursements of ny legl representtive we gree to, to defend nyone we insure under this section: 1. At Coroner s inquest; 2. Ftl ccident enquiry; 3. In ny proceedings brought under the Rod Trffic Acts or equivlent Europen Union legisltion. 13

14 2. Your libility exclusions We won t py for: 1. Any clim if ny person insured under this section does not keep to the terms, exclusions nd conditions of this policy. The cover will lso not pply if the insured person cn clim under nother policy. 2. Deth of, or injury to ny employee of the insured person which rises out of, or in the course of, tht employee s duties, unless we must provide cover under the Rod Trffic Acts. 3. Loss of or dmge to property tht: Belongs to or is in the cre of ny person insured who clims under this section; or Is being crried in your cr. 4. Dmge to ny vehicle covered by this section. 5. Loss, dmge, injury or deth while ny vehicle is being used on: Tht prt of the erodrome or irport which is used for ircrft tking off or lnding; Aircrft prking res including service rods; Ground equipment prking res; or Any prts of pssenger terminls within the Customs exmintion re; Unless we must provide cover under the Rod Trffic Acts. 6. Any consequence whtsoever which is the direct or indirect result of ny of the following, or nything connected with ny of the following, whether or not such consequence hs been contributed to by ny other cuse or event, except to the extent tht we must provide cover under the Rod Trffic Acts:. Terrorism. Terrorism is defined s ny ct or cts including, but not limited to: i. The use or thret of force nd/or violence nd/or ii. Hrm or dmge to life or to property (or the thret of such hrm or dmge) including, but not limited to, hrm or dmge by nucler nd/or chemicl nd/or biologicl nd/or rdiologicl mens cused or occsioned by ny person(s) or group(s) of people in whole or in prt for politicl, religious, ideologicl or similr purposes, or is climed to be cused or occsioned in whole or in prt for such purposes. b. Any ction tken in controlling, preventing, suppressing or in ny wy relting to () bove. In respect of 6 () nd (b), where we must provide cover under the Rod Trffic Acts the mximum mount we will py for dmge to property s result of ny ccident or ccidents cused by vehicle or vehicles driven or used by you or ny other person, for which cover is provided under this section, will be: 14

15 i. Limited to the mount shown in the schedule in respect of ll clims resulting directly or indirectly from one originting cuse; or ii. Such greter sum s my in the circumstnces be required to meet the minimum insurnce requirements of the Rod Trffic Acts. 7. Loss, dmge, injury or deth directly cused by pollution or contmintion unless cused by sudden identifible unintended nd unexpected event which occurs in its entirety t specific time nd plce during the period of insurnce, except where such libility is required to be covered under the Rod Trffic Acts. For the purposes of this exclusion, pollution or contmintion mens ll pollution or contmintion of buildings or other structures or wter or lnd or the tmosphere. 15

16 Section 3. Personl belongings Third Prty Fire & Theft We will py you (or, t your request, the owner) for loss or dmge to personl belongings cused by fire, theft or ccidentl mens while they re in or on your cr. The mximum mount pyble for ny one incident is shown in your schedule. A clim cn only be mde under this section when lso mking vlid clim which is ccepted under Section 1. Loss of or dmge. Section 3.1 Personl belongings exclusions We will not py for: 1. Money, stmps, tickets, documents or securities (such s shre nd premium bond certifictes). 2. Goods or smples crried in connection with ny trde or business. 16

17 Section 4. Emergency tretment Third Prty Fire & Theft We will reimburse nyone using your cr for pyments mde under the Rod Trffic Acts for emergency medicl tretment. A clim solely under this section will not ffect your no clim discount. 17

18 Section 5. No clim discount Third Prty Fire & Theft If no clims re mde under your policy during the period of insurnce, we will increse your no clim discount t your next renewl in line with the scle we pply t the time. No clim discount will be erned seprtely by ech cr policyholder, on ech cr they insure nd is not trnsferble to ny other person. Where clim hs been mde nd your no clim discount is not protected, we will reduce your no clim discount on the cr which ws subject to the clim in line with the tble below; No clim discount t lst renewl dte (yers) No clim discount t next renewl dte (yers) 1 Clim 2 Clims 3 Clims 1 NIL NIL NIL 2 NIL NIL NIL 3 1 NIL NIL 4 2 NIL NIL 5 3 NIL NIL 6 or more yers 3 NIL NIL If your renewl is due nd investigtions into clim re still ongoing, we my reduce your no clim discount provisionlly, until our investigtions re complete. We my then restore your no clim discount nd refund ny extr premium tht hs been pid. Wht if the clim isn t my fult? This is no clim discount nd not no blme discount. If clim is mde which is not your fult nd we hve to mke pyment, we will reduce your no clim discount unless we recover ll sums we hve pid from those responsible, except where: the ccident ws not your fult, nd the driver who cused it ws uninsured, nd you hve provided us with: the cr registrtion nd the mke/model of the other cr, nd the other cr s drivers detils Clims under the following sections will not reduce your no clim discount Section 4 Emergency tretment Section 6 Glss Third prties my clim directly ginst us s the insurer in the event of n ccident involving your cr, s permitted under the Europen Communities (Rights Aginst Insurers) Regultions In these circumstnces we will del with ny clim, subject to the terms nd conditions of your policy. This my ffect your no clim discount. Protected no clim discount (optionl cover) Optionl Third Prty Fire & Theft Optionl This is n optionl cover nd only pplies if shown on your schedule. Plese check your schedule to see which of your crs hve protected no clim discount. 18

19 Cover purchsed Number of clims New no clim discount (NCD) entitlement Protected no clim discount on 3 yers Protected no clim discount on 4 yers* Protected no clim discount on 5 yers or more* One clim mde during ny period of insurnce Two clims mde during ny period of insurnce Three or more clims mde during ny period of insurnce One clim mde during ny three yer period Two clims mde during ny three yer period Three clims mde during ny three yer period More thn three clims mde during ny three yer period One clim mde during ny three yer period Two clims mde during ny three yer period 3 yers NCD, protection lost 1 yers NCD, protection lost 0 yers NCD 4 yers NCD, protected 4 yers NCD, protection lost 2 yers NCD, protection lost 0 yers NCD 5 yers or more NCD, protected 5 yers or more NCD, protection lost Three clims mde during ny three yer period Four clims mde during ny three yer period More thn four clims mde during ny three yer period 3 yers NCD, protection lost 0 yers NCD, protection lost 0 yers NCD Importnt Protected no clim discount preserves the number of yers no clim discount entitlement you hve. Your renewl premium my still increse s result of clims nd other fctors Once you rech protected no clim discount on four yers or more plese note tht ny clim mde within the lst three yers will be tken into ccount nd will ffect your discount nd entitlement ccordingly. *We will tke into ccount ny clim(s) with ny previous insurer during two yer period prior to tking out this policy ( clim for this purpose is ny which would hve resulted in loss of your no clim discount were it not protected). 19

20 Section 6. Glss Third Prty Fire & Theft We will py for the replcement or repir of the glss in your cr s windscreen, sunroof or windows if it is lost or dmged or the bodywork of your cr suffers scrtching rising solely from the brekge of glss. The most we will py will be the mrket vlue of your cr t the time of the loss. We my use suitble prts not supplied by the originl mnufcturer. You must telephone our Clims Helpline before ny work is crried out. We will direct you to n pproved repirer. The excess mount you must py for ny replcement or repir is shown in your schedule. Plese note tht if you tke your cr to non-pproved repirer we will only py limited mount of the repir or replcement cost, this mount is shown in your schedule. Your no clim discount will not be ffected by mking clim under this section. 20

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