Document of car insurance CAR INSURANCE. A guide to your cover and how to make a claim PRINTER FRIENDLY VERSION. Keep me somewhere safe

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1 Documet of car isurace CAR INSURANCE A guide to your cover ad how to make a claim PRINTER FRIENDLY VERSION Keep me somewhere safe

2 WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool Victoria, which also trades as LV=, is the UK s largest friedly society ad a major provider of isurace ad fiacial services products. As a friedly society ad mutual, Liverpool Victoria exists wholly for the beefit of its members. We have o shareholders takig a share of our profits. Istead we ivest our profits i makig our products competitive ad deliverig a outstadig customer service. Our claims service goes the extra mile. Committed to doig the right thig for our policyholders, we will aim to settle claims quickly, eve i the most difficult circumstaces. If you would like to lear more about Highway please visit our website at: Joh O Roarke Maagig Director Highway Isurace Compay Limited Documet of car isurace 1

3 CONTENTS Importat Iformatio Data Protectio Notice 3 How To Make A Complait 7 Fiacial Services Compesatio Scheme 8 Defiitio of Terms ad Words Defiitios 9 Cotract of Motor Isurace Car 12 Your cover 12 Use 13 Coolig-off Cacellatio Right 13 Cacellig your Policy (Outside the coolig-off Period) 13 Chages to your details 15 Part A Sectio 1 Liability to others: Third Party Cover 17 Sectio 2 Fire ad Theft 21 Sectio 3 Accidetal Damage 23 Sectio 4 Widscree ad Widows 25 Sectio 5 Persoal Accidet, Persoal Belogigs ad Medical expeses 26 Sectio 6 Drivig Abroad 28 Sectio 7 No Claims Discout 30 Sectio 8 Lock Replacemet Stole Key Cover 31 Part B Guarateed Hire Car The cover provided uder part B oly applies 32 if it is show o the curret policy schedule ad you have paid the additioal premium. Claims Hadlig 35 Geeral Exclusios 40 Geeral Coditios 43 2 Documet of car isurace

4 IMPORTANT INFORMATION Please read this policy, the schedule (icludig ay edorsemets) ad the certificate of motor isurace very carefully. Together with the iformatio you gave us i the proposal form or statemet of fact, ad the declaratios that you have made, they form the cotract of motor isurace. You should pay particular attetio to the geeral exclusios, the geeral coditios ad ay edorsemets which apply. The words that appear i bold throughout this policy are defied o pages ie, te ad eleve ad have the same meaig wherever they appear. Please tell your isurace adviser immediately if you have ay questios, the cover does ot meet your eeds, or ay part of your isurace documetatio is icorrect. Data Protectio Notice How we use your persoal iformatio This iformatio explais how we may use your details ad tells you about the systems we use that allow us to detect ad prevet fraudulet applicatios ad claims. The savigs that we make help us to keep premiums dow. The way i which we may use your persoal data is cotrolled by the requiremets of the Data Protectio Act Highway Isurace Compay Limited is registered for the purpose of processig persoal data. Iformatio provided to us may be held, whether or ot you purchase a policy, o computer, paper file or other format. We will hold this iformatio for a reasoable time to esure that a clear ad complete history of isurace equiries, applicatios, policy records ad trasactios is maitaied. Subject to paymet of a fee, you ca ask for a copy of the persoal iformatio we hold about you by writig to the CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. For details of the Liverpool Victoria group of compaies please refer to The iformatio (some of which may be sesitive data) may be used to process ad admiister your isurace by us ad our agets (eg service providers both withi ad outside the Europea Ecoomic area with which we have agreemets). It may also be used or disclosed to regulators for the purposes of moitorig ad eforcig our compliace with ay regulatio. Documet of car isurace 3

5 IMPORTANT INFORMATION CONTINUED Occasioally, your persoal iformatio may be disclosed to selected third parties who are assistig us i service improvemet activities. All phoe calls may be moitored ad recorded ad used for fraud prevetio ad detectio, quality cotrol ad traiig purposes. If credit or debit card details are provided to us we may use this iformatio to automatically reew your isurace policies. We will oly do this where we have your permissio. If your details have bee obtaied through oe of our affiity associatios we may pass some of your iformatio, icludig policy details ad ogoig iformatio, to that affiity orgaisatio for membership, busiess aalysis ad other relevat purposes. If you move to a ew isurer we may cofirm certai details about your isurace to them. We will oly do this if we are sure it s a geuie request. If we receive a request for policy iformatio by a idividual other tha the policy holder we will check that the policy holder has give permissio to do this. Sesitive persoal data will ot be used for marketig purposes. Credit Search We use iformatio obtaied from a umber of sources icludig credit referece agecies. This helps us to cofirm your idetity, allows us to give you a quote ad decide which paymet optios we ca offer you, for example, payig mothly. You will see a record of this search if you request a Credit Report. No other orgaisatio who may coduct credit searches will be able to see it. The search wo t affect your credit record or credit ratig i ay way. Previous claims ad icidets You must tell us about ay claim or icidet (such as fire, water damage, theft or a accidet) whether or ot you claimed for them. Whe you tell us about a claim or icidet we will pass iformatio about it to various databases. We may search these databases: 4 Documet of car isurace

6 IMPORTANT INFORMATION CONTINUED whe you apply for isurace if you have a claim at reewal We will do this to validate your claims history or that of ay other perso or property likely to be ivolved i the isurace or claim. Fraud prevetio ad detectio We will check your iformatio agaist a rage of registers ad ati fraud databases for completeess ad accuracy. We may also share your iformatio with law eforcemet agecies, other orgaisatios ad public bodies If we fid that false or iaccurate iformatio has bee give to us, or we suspect fraud, we will take appropriate actio. If fraud is idetified, details will be passed to fraud prevetio agecies. Law eforcemet agecies may access ad use this iformatio. We ad other orgaisatios, icludig those from other coutries, may also access ad use this iformatio to prevet fraud ad moey lauderig, for example, whe: checkig details o applicatios for credit ad credit related or other facilities maagig credit ad credit related accouts or facilities recoverig debt checkig details o proposals ad claims for all types of isurace checkig details of job applicats ad employees Please cotact us at GFC, LV=, Couty Gates, Bouremouth, BH1 2NF if you wat to receive details of the registers ad fraud prevetio agecies. Documet of car isurace 5

7 IMPORTANT INFORMATION CONTINUED Motor Isurace Database We will add details about your isurace policy to the Motor Isurace Database ( MID ) which is maaged by the Motor Isurers Bureau ( MIB ). The MID ad the data stored o it may be used by the Police, the DVLA, the DVANI, the Isurace Fraud Bureau ad other bodies permitted by law for purposes ot limited to but icludig: electroic licesig cotiuous isurace eforcemet law eforcemet (prevetio, detectio, apprehesio ad/or prosecutio of offeders) the provisio of govermet services ad/or other services aimed at reducig uisured drivig If you are ivolved i a road traffic accidet (either i the UK or abroad), isurers ad/ or the MIB may search the MID to obtai relevat iformatio. Other persos (icludig their appoited represetatives) pursuig a claim i respect of a road traffic accidet (icludig foreig citizes) may also obtai relevat iformatio held o the MID. It s vital that the MID holds your correct registratio umber. If ot you risk the Police seizig your vehicle. You ca check that your correct registratio umber is show o the MID at Tellig you about other products ad services Uless you have idicated otherwise, we ad other carefully selected orgaisatios may use your iformatio to keep you iformed of other products ad services that may be of iterest to you. You may be cotacted by post, telephoe or other appropriate meas. If you would rather ot receive such iformatio please write to CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. 6 Documet of car isurace

8 IMPORTANT INFORMATION CONTINUED How To Make A Complait If you have a complait about your policy or the service you have received, please cotact the broker, itermediary or aget that arraged it. If they are uable to resolve your complait you may refer your complait to the Fiacial Ombudsma Service withi six moths of receivig their fial respose letter. Should you be uhappy with service provided by Highway please cotact us by phoe o (For Text phoe please dial first. Opeig hours Mo-Fri 9am-5pm). If you prefer to write, please address your letter to The Customer Care Departmet, Highway Isurace, Highway House, 171 Kigs Road, Bretwood, Essex. CM14 4EJ co.uk. Whe cotactig us please esure you quote your policy or claim umber as appropriate. A copy of our iteral complaits procedure is available o request. If we caot resolve your complait, you may refer your complait to the Fiacial Ombudsma Service withi six moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, South Quay Plaza, 183 Marsh Wall, Lodo, E14 9SR. Telephoe or (from mobile or o BT lies) Makig a complait will ot affect your right to take legal actio. Documet of car isurace 7

9 IMPORTANT INFORMATION CONTINUED Fiacial Services Compesatio Scheme What happes if we are uable to meet our liabilities? If we are uable to meet our liabilities to our policyholders, you may be able to claim compesatio from the Fiacial Services Compesatio Scheme (FSCS). There are differet levels of compesatio, depedig o what kid of isurace you have: Compulsory isurace such as third party motor isurace, is covered for 100% of the claim. No compulsory isurace, such as home isurace, is covered for 90% of the claim. You ca get further iformatio from the Fiacial Services Compesatio Scheme. 10th Floor, Beaufort House, 15 St Botolph Street, Lodo, EC3A 7QU. Telephoe or or , 8 Documet of car isurace

10 DEFINITION OF TERMS AND WORDS Defiitios The followig words or phrases have the same meaig wherever they appear ad are show i bold throughout this policy. Certificate of Motor Isurace Legal evidece of your isurace. It is oe part of the cotract of motor isurace. It shows the cars we are isurig, who may drive the isured car (where ay authorised driver is stated, refer to the schedule for restrictios), what it may be used for ad the period of isurace. Cotract of Motor Isurace The policy, the schedule (icludig edorsemets), the certificate of motor isurace, the iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, all form the cotract of motor isurace. Edorsemets Somethig which alters your isurace cover. Your cover will be affected by ay edorsemet that is show o the schedule. (Such edorsemets may add exclusios to the cover or require you to take actio such as fittig approved security.) More tha oe edorsemet may apply. If you do ot comply with ay edorsemets, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. Excess The amout you have to pay towards each claim you make uder this cotract of motor isurace. There may be more tha oe excess, part of which may be volutary (where you have chose to take a excess to receive a discout o your premium). The amout of the excess is show o the schedule. Family or Household Ay member of the policyholder s family, or ay other perso, who is a permaet or temporary residet at the policyholder s address. Geeral Coditios These describe your resposibilities, geeral iformatio ad the procedures that apply i certai situatios, such as whe there is a claim or the cotract of motor isurace is cacelled. Geeral Exclusios These describe the thigs that are ot covered by the cotract of motor isurace. They are i additio to the exclusios show uder the headigs What is ot covered i each of the Sectios detailig the cover provided. Documet of car isurace 9

11 DEFINITION OF TERMS AND WORDS CONTINUED Geographical Limits Great Britai, Norther Irelad, the Isle of Ma ad the Chael Islads. It also icludes travellig by sea, air or rail betwee these places. Sectio 6 explais the cover that applies whe drivig abroad. Highway Isurace The tradig ame of Highway Isurace Compay Limited. Highway Isurace Compay Limited A isurace compay, part of the Liverpool Victoria group of compaies, authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad Prudetial Regulatio Authority. Hire Car A Group A vehicle (1.0 litre hatchback or similar) which will be delivered to ad collected from your home address. Hire Car Compay The compay we istruct to provide you with the hire car. Hire Period The period for which we pay for the hire car for up to a maximum of 14 days. Isurace Adviser the perso or compay you purchased this isurace from. Isured Car The car(s) show o the curret schedule ad certificate of motor isurace. Isured Vehicle Ay motor vehicle isured comprehesively with Highway Isurace that appears o a curret certificate of isurace ad for which a premium has bee paid for car hire cover. Market Value The cost at the date of the accidet or loss of replacig the isured car, if possible, with oe of a similar make, model, age, coditio ad mileage. We will usually ask a egieer to give us advice about the market value of the isured car, refer to guides of car values ad ay other relevat sources. I assessig the market value, you should cosider the amout that could reasoably have bee obtaied for the isured car if you sold it immediately before the accidet, loss or theft. Period of Isurace The legth of time covered by this cotract of motor isurace, as show o the curret schedule ad certificate of motor isurace. Persoal Belogigs Certai property i the isured car, which you wear or use i every day life which belogs to you or ayoe travellig i the isured car. Sectio 5 of this policy sets out the cover ad limits which apply, ad the items of persoal belogigs which are ot covered. 10 Documet of car isurace

12 DEFINITION OF TERMS AND WORDS CONTINUED Policy This booklet, which sets out the details of cover ad all the terms ad coditios which apply. It is oe part of the cotract of motor isurace. Private Motor Car How the other car is described o your certificate of motor isurace whe allowig the drivig other cars extesio. Drivig other cars ad this defiitio is give with the itetio of allowig you to drive private motor cars oly uder the extesio of cover. It does ot exted cover to car derived vas, vas, motorcycles, or ay other motor vehicle. Proposal Form or Statemet of Fact The documets filled i by you, or o your behalf by a isurace adviser, or someoe else, ad all other iformatio you gave ad declaratios made at the time the isurace was arraged ad o which we have relied whe agreeig to offer this cotract of motor isurace. If you do ot give us full iformatio at the start, ad tell us about chages, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. Schedule Forms part of the cotract of motor isurace ad cofirms details of you, the isured car(s) ad the cover which applies. It is oe part of the cotract of motor isurace. Stadard Accessories Accessories made available for the vehicle by the maufacturer as optioal extras ad for which a receipt must be provided. Stadard accessories do ot iclude modificatios to the isured car, sigwritig or ay other accessory fitted to it ot provided by the vehicle maufacturer. Territorial Limits Eglad, Scotlad, Wales ad Norther Irelad. These limits apply to Part B oly. The geographical limits defied i this policy do ot apply to Part B of this policy. We, our, us Highway Isurace Compay Limited tradig as Highway Isurace. You, Your The perso, compay or tradig ame (icludig subsidiary compaies) show as the isured o the schedule ad certificate of motor isurace. Documet of car isurace 11

13 CONTRACT OF MOTOR INSURANCE Car This policy, the schedule, the certificate of motor isurace, iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, form a legally bidig cotract of motor isurace betwee you ad Highway Isurace Compay Limited, tradig as Highway Isurace. This cotract of motor isurace is a cotract persoal to you ad you caot trasfer it to ayoe else. We agree to isure you uder the terms of this cotract of motor isurace agaist ay liability, loss or damage that occurs withi the geographical limits durig the period of isurace for which you have paid, or agree to pay, the premium. You must read this policy, the schedule ad the certificate of motor isurace together. The schedule tells you which sectios of the policy apply ad idetifies ay edorsemets. Please check all three documets carefully to make sure that they give you the cover you wat ad that you comply with all the relevat terms ad coditios, icludig ay edorsemets. It is ot iteded that the Cotracts (Rights of Third Parties) Act 1999 should cofer ay additioal rights uder this policy i favour of ay third party. Uless we agree with you to apply the laws of aother coutry, Eglish Law will apply to this cotract (uless you live i Guersey or Jersey, where Guersey or Jersey law will apply). All commuicatios will be i Eglish. Your Cover The curret schedule shows what you are covered for. The differet kids of cover are: Comprehesive Sectios 1, 2, 3, 4, 5, 6, 7 ad 8 apply. Part B oly applies to comprehesive cover if the guarateed hire car cover is show o your schedule ad you have paid the additioal premium. Third Party Fire ad Theft Sectios 1, 2, 6 ad 7 apply. Third Party Oly Sectios 1, 6 ad 7 apply. Fire ad Theft Oly Sectio 2 oly. 12 Documet of car isurace

14 CONTRACT OF MOTOR INSURANCE CONTINUED Use This cotract of motor isurace oly covers you if you use the isured car i the way described i your certificate of motor isurace (uder Limitatios as to Use ) ad ay edorsemets. Coolig-off Cacellatio Right We hope you are happy with the cover this policy provides. However, you have the right to cacel it withi 14 days of receivig the policy, without givig ay reaso. To cacel usig this coolig-off period you must retur ay certificate of motor isurace or temporary cover ote relatig to this cotract of motor isurace, alog with your cacellatio request to your isurace adviser. If you do cacel i the first 14 days usig the coolig-off cacellatio coditio, we will charge you pro rata, subject to a miimum fee of 25 + Isurace Premium Tax, for the cover provided from the begiig of the cotract util the policy is cacelled, uless we are required to make a total loss paymet uder the policy, uder which circumstaces a refud of the premium is ot payable. Cacellig your Policy (Outside the coolig-off Period) You may cacel this cotract of motor isurace at ay time by tellig us, or your isurace adviser, i writig or by or telephoe ad sedig us your certificate of motor isurace. If you or someoe else has ot made a claim i the curret period of isurace, we will refud part of your premium. We will work out the refud o a pro-rata basis less a premium charge of 25 + Isurace Premium Tax to cover our admiistratio costs. Whe we work out the time you have bee covered, we use the period from the date the isurace started to the date we receive your certificate of motor isurace. We will ot refud ay of your premium if the cotract of motor isurace is cacelled followig a claim whether settled or ot. Documet of car isurace 13

15 CONTRACT OF MOTOR INSURANCE CONTINUED We, or our authorised aget, may cacel this cotract of motor isurace: if you do ot pay your premium, premium deposit or ay istalmet paymet o or before the due date; if you or ayoe else covered by this isurace has ot met all the terms ad coditios of this policy; if a chage i your circumstaces meas we ca o loger provide cover; where we idetify misrepresetatio or fraud or ay attempt to gai a advatage uder this isurace to which you are ot etitled; if you harass or show abusive or threateig behaviour towards our staff; you behave i a maer that makes it iappropriate for us to cotiue your isurace, this icludes failig to co-operate with our accidet ad claims procedure; if you do ot provide us or your isurace advisor with documets we have requested. We, or our authorised aget, will give you seve days otice i writig to your last kow address. If we do this, we will refud part of your premium for the period of isurace left after the cacellatio date, uless fraud has bee idetified where we will ot refud ay premium or where we, or our authorised aget, cacel this cotract of motor isurace because you have ot paid the premiums o time, where we will ot refud ay part of the premium you have already paid ad we will work out ay premium you owe us by chargig you for the time you have bee covered by this cotract of motor isurace o a pro rata basis plus a premium charge of 25 + Isurace Premium Tax to cover our admiistratio costs. The isurace will ed immediately the 7 days otice rus out. If you have just take out the policy or reewed with us ad the premium is upaid, we will cacel your isurace from the start/reewal date. I all cases, you must retur the certificate of motor isurace to us as soo as you receive otice of cacellatio. We will ot pay ay refud util we receive the certificate of motor isurace, or if you or someoe else has made a claim uder this cotract of motor isurace. If you produce a cacelled certificate of motor isurace to ay perso with the itetio of deceivig that perso ito acceptig it as geuie, you may be prosecuted. 14 Documet of car isurace

16 CONTRACT OF MOTOR INSURANCE CONTINUED Chages to your details You must tell your isurace adviser as soo as possible if ay of your details chage icludig: Chages made to your car which improve it s value, appearace, performace or hadlig. Chagig your car. Chage of Ower. Chage of Registered Keeper. Chages i the way you use your car. Chage of address or where you keep your car. Chage of occupatio, icludig part time work. Chage i the mai user of the car. Details of ay medical coditios. Details of ay motorig covictios, fixed pealty offeces or licece edorsemets for ay perso who may drive the vehicle. Details of ay crimial covictios for ay perso who may drive the vehicle. Details of ay accidets, thefts, loss or damage, regardless of blame or whether a claim was made or ot, for ay perso who may drive the vehicle. This is ot a full list ad you should cotact your isurace adviser for advice if you are ot sure whether a chage will affect your cover. If you do ot tell your isurace adviser about ay relevat chages, we may: Reject or reduce your claim. Cacel the policy ad/or treat it as though it ever existed, or Do both of the above. Documet of car isurace 15

17 CONTRACT OF MOTOR INSURANCE CONTINUED Whe you advise of ay permaet or temporary chages to your policy durig the period of isurace, or request duplicate documets, a premium adjustmet charge of 10 + Isurace Premium Tax will be made i additio to ay other chage i premium to cover our admiistratio costs. This charge is i additio to ay admiistratio fees charged by your isurace adviser. Additioal Iformatio The followig does ot form part of the cotract of motor isurace Car Crime Lear How to Beat the Crimials Most crime prevetio methods are commo sese: Never leave valuables o show. Use good quality locks ad security devices.* Always esure your steerig lock is o whe you leave your car ad use a steerig wheel lock.* Fit lockig wheel uts to your wheels. Do t make life easier for thieves, always remove the keys from your vehicle ad lock it whe you leave it, eve temporarily. Not to do so may ivalidate your cover so lock it or lose it! Remove ay etertaimet equipmet if you ca. Always park your vehicle i a secure locatio, i your ow garage or a secure public garage if possible. Always lock your vehicle ad activate ay alarm &/or immobiliser whe you leave it. You ca obtai further iformatio from your local Crime Prevetio Officer at your local Police statio, or visit: *We recommed you istall security devices such as steerig wheel locks, alarms ad immobilisers that are accredited by Thatcham Motor Isurace Repair ad Research Cetre. For further iformatio visit: 16 Documet of car isurace

18 Part A SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER What is covered We will isure you agaist everythig you legally have to pay to people who claim for damages, costs ad expeses if they arise from a claim caused by a accidet while you are drivig, or i charge of the isured car, if you kill or ijure other people. We will also cover you for your legal liability for damage to their property (icludig ay related idirect loss) up to 20,000,000 ad for costs ad expeses icurred up to 5,000,000. We will also isure you while the isured car is towig a carava, trailer or broke-dow car, so log as the towig is allowed by law ad the carava, trailer or broke-dow car is attached properly to the isured car by towig equipmet made for this purpose. What is ot covered Loss or damage to the isured car, carava, trailer or broke-dow car. Ay amout above 20,000,000 for damage to other people s property (icludig ay related idirect loss) ad ay amout above 5,000,000 for costs ad expeses icurred. Property belogig to (or i the care of) you or your passegers or i ay carava, trailer or broke-dow car. Death or ijury to the perso drivig or i charge of the isured car or to ay perso beig carried i or o, or gettig ito or out of, a carava or trailer. Legal liability whe you are towig ay carava, trailer or broke-dow vehicle for profit. If your curret certificate of motor isurace states that busiess use is allowed, liability for death or ijury to ay employee of the perso isured, arisig durig the course of their employmet, except where eeded by law. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. Documet of car isurace 17

19 Part A SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER CONTINUED Drivig other cars What is covered If your certificate of motor isurace says so, we will isure you to drive ay private motor car that you do ot ow, is ot registered to you ad you have ot hired uder a hire-purchase or leasig agreemet. Drivig other cars What is ot covered Legal liability uless your certificate of motor isurace states that you are covered to drive other private motor cars. Ay loss or damage to the private motor car you are drivig. Drivig without the ower s permissio. Use of a private motor car outside the geographical limits. Legal liability which is covered by ay other isurace you have to drive the other private motor car or whe you o loger have possessio of the isured car or it has bee damaged so much that it is ot worth repairig or has bee stole ad you have ot got it back. Loss or damage to ay property belogig to (or i the care of) ay driver or passeger who is makig a claim uder this Sectio. Death or ijury to the perso drivig or i charge of the other private motor car. Use of a car derived va, va, motorcycle or ay other motor vehicle that is ot a private motor car. Use to secure the release of ay private motor car which has bee seized or cofiscated by or o behalf of ay govermet or public authority. Use of a private motor car uless there is a curret ad valid policy of isurace i force for the vehicle beig drive uder this Sectio. 18 Documet of car isurace

20 Part A SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER CONTINUED Isurig others What is covered We will also isure the followig people uder this Sectio. Ay perso you allow to use the isured car as log as your curret certificate of motor isurace says they ca ad they are ot excluded from drivig by a edorsemet show i the schedule. Ay perso (other tha the perso drivig) beig carried i, or gettig i or out of the isured car or ay perso who causes a accidet while they are travellig i, or gettig i or out of, the isured car. Your employer or busiess parter (but oly if your curret certificate of motor isurace states that busiess use is allowed). If ayoe covered by this cotract of motor isurace dies, we will cover their legal represetative to deal with ay claims made agaist that perso s estate. Isurig others What is ot covered Legal liability if your curret certificate of motor isurace does ot cover the perso usig the isured car or if the perso usig the isured car is excluded from drivig or usig the isured car as a result of the geeral exclusios, geeral coditios ad edorsemets. Legal liability if the isured car is beig used for busiess ad your curret certificate of motor isurace does ot state that busiess use is allowed. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. Documet of car isurace 19

21 Part A SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER CONTINUED Costs of Legal Represetatio What is covered Followig a claim uder this claim uder this cotract of isurace, we will pay the reasoable legal costs ad expeses relatig to; Solicitors fees for represetig ayoe we isure at a coroers iquest, fatal accidet iquiry or court of summary of jurisdictio; ad The defece of ayoe we isure agaist ay legal proceedigs for maslaughter or causig death by dagerous drivig. I assessig whether legal costs ad expeses are reasoable the followig will be cosidered; The level of experiece required of the legal represetative takig ito accout the ature of the case. The level of costs charged by the legal represetative. Whether legal represetatio for a defece of prosecutio is likely to effect the outcome. We may, at ay time, stop payig the legal costs. Costs of Legal Represetatio What is ot covered Ay costs which have ot first bee agreed i writig by us or arisig from a claim caused by a accidet which is ot covered uder this cotract of motor isurace. Ay costs where we have chose to stop paymets or arisig from a claim which is ot covered as a result of the geeral exclusios, geeral coditios ad edorsemets. Emergecy Medical Treatmet What is covered We will pay for the Emergecy Treatmet Fees, as required by the Road Traffic Acts, after a accidet ivolvig the isured car. We must, by law, provide this cover. If this is the oly paymet we make, your No Claims Discout will ot be affected. Emergecy Medical Treatmet What is ot covered Ay amout that is more tha the compulsory fee. 20 Documet of car isurace

22 Part A SECTION 2 FIRE AND THEFT What is covered We will cover you for loss or damage to the isured car that is caused by fire, lightig, explosio, theft or attempted theft. This icludes stadard accessories o it or kept i your private garage. We will also pay for loss or damage to the isured car s fitted etertaimet equipmet up to the limit stated o the schedule. We will also isure the followig people uder this Sectio. Ay perso employed by a motor garage or similar busiess, which you do ot ow, which has the isured car for the purpose of maiteace, repair, testig or servicig. Ay perso employed by a hotel, restaurat or similar busiess, which you do ot ow, where the isured car is beig parked for you. What is ot covered Ay car which is ot the isured car ad ay loss or damage if you do ot have cover uder this sectio. Wear ad tear, mechaical, electrical, electroic ad computer failure, breakdows or breakages. Compesatio for you ot beig able to use the isured car, ay delay where we have to get ew parts or accessories or they are uavailable, or the value of the isured car reducig for ay reaso. Ay other idirect loss. Loss or damage caused by failure to protect the isured car, (see Care of the Car uder the geeral coditios), or if it has bee left ulocked ad/ or with the keys, lock trasmitter, etry card or other igitio cotrol device left i, o or i the immediate proximity of the vehicle. Loss or damage from repossessio of the isured car ad returig it to its rightful ower. Loss or damage from ay agreemet or proposed trasactio for sellig or hirig the isured car or someoe takig the isured car by fraud, trickery or deceptio or attemptig to purchase the isured car by fraudulet meas. Documet of car isurace 21

23 Part A SECTION 2 FIRE AND THEFT CONTINUED Loss or damage arisig from the isured car beig take or drive by a perso who is ot a isured driver but is a member of the policyholder s family or household, or beig take or drive by a employee or ex-employee. Loss or damage caused deliberately by you or ay perso drivig the isured car with your permissio. Ay additioal damage resultig from the isured car beig moved by you after a accidet, fire or theft. Ay amout above the limit stated o the schedule for fitted etertaimet equipmet. Ay storage charges uless you tell us about them ad we agree i writig to pay for them. Persoal belogigs uless you have cover uder Sectio 5. Keys, remote cotrol or security devices (whether lost or stole) uless you have cover uder Sectio 8. Tapes, cassettes, compact ad miidiscs, Citizes-Bad radios, phoes or phoe equipmet. Ay loss or damage up to the amout of the excess that appears o your schedule. Ay satellite avigatio equipmet or accessories, whether permaetly fitted or ot, that are ot stadard accessories. Ay loss or damage caused by failure to maitai the isured car ad safeguard it from such loss or damage. Ay loss or damage from the isured car beig cofiscated, disposed of or destroyed by or uder order of ay govermet or public or local authority order. 22 Documet of car isurace

24 Part A SECTION 3 ACCIDENTAL DAMAGE What is covered We will cover you for loss or damage to the isured car. This icludes stadard accessories o it or kept i your private garage. We will also pay for loss or damage to the isured car s fitted etertaimet equipmet up to the limit stated o the schedule. We will also isure the followig people uder this Sectio. Ay perso employed by a motor garage or similar busiess, which you do ot ow, which has the isured car for the purpose of maiteace, repair, testig or servicig. Ay perso employed by a hotel, restaurat or similar busiess, which you do ot ow, where the isured car is beig parked for you. What is ot covered Ay loss or damage described i what is ot covered uder the Fire ad Theft sectio of this policy. We also do ot cover the followig: Damage to tyres caused by wear ad tear, brakig, puctures, cuts or bursts. Damage caused by frost, uless you have take reasoable care to stop the damage happeig ad have followed the maufacturer s istructios to avoid liquid freezig i your car. Loss or damage arisig from the isured car beig filled with the wrog fuel. Documet of car isurace 23

25 Part A SECTION 3 ACCIDENTAL DAMAGE CONTINUED New car replacemet If, withi oe year of you buyig the isured car from ew ad you were the first registered ower, it is: stole ad ot recovered, or damaged so that repairs will cost more tha 60% of the maufacturer s price list (icludig taxes ad the cost of accessories) at the time of the loss or damage; We will replace the isured car with a ew oe of the same make, model ad specificatio. If a replacemet car of the same make, model ad specificatio is ot available we will, where possible, provide a similar car of idetical list price. New car replacemet does ot apply if: You, or ayoe we kow who has a iterest i the isured car, does ot agree. The isured car is more tha oe year old at the time of the loss or damage. You were ot the first registered ower of the isured car. You did ot buy the vehicle from ew. The repairs cost less tha 60% of the maufacturer s price list (icludig taxes ad the cost of accessories). You wish to have the claim settled o a cash basis whe the most we will pay is the market value of the isured car ad its stadard accessories at the time of the loss or damage. We are ot liable for the cosequeces of ay delay i gettig the replacemet car. 24 Documet of car isurace

26 Part A SECTION 4 WINDSCREEN AND WINDOWS What is covered We will pay for damage to the isured car s widscree or widows. If this is the oly damage you are claimig for, your No Claims Discout will ot be affected. The schedule shows the maximum amout we will pay: I ay oe period of isurace if the widscree or widow is replaced or repaired by Highway Glasslie (Telephoe ) or I ay oe period of isurace if ay other supplier carries out the repair or replacemet. What is ot covered Ay loss or damage if you do ot have cover uder this Sectio. Damaged suroofs, roof paels icludig damage to ay part of a covertible hood, lights or reflectors, eve if they are made of glass. Extra costs for the work to be udertake outside ormal hours, uless the widscree is shattered, or the driver s visio or the security of the isured car, is affected. The excess, uless you have your widscree or widow repaired rather tha replaced. (The excess must be paid direct to the repair or replacemet compay if your widscree or other widows are replaced, rather tha repaired.) Documet of car isurace 25

27 Part A SECTION 5 PERSONAL ACCIDENT, PERSONAL BELONGINGS AND MEDICAL EXPENSES Persoal Accidet What is covered If you, your husbad, your wife or your civil parter (as defied i the Civil Partership Act 2004) are ivolved i a car accidet, we will pay the amouts show below if, withi three moths of the accidet, it directly causes oe of the followig: Death 5,000 Total loss of oe or more limbs 5,000 Permaet blidess i oe or both eyes 5,000 The most we will pay is the limit for ay oe cause of death or ijury durig ay oe period of isurace. If the ijured perso is isured by us uder ay other cotract of motor isurace, we will oly pay out uder oe cotract. We will oly make a paymet if the ijury or death is directly coected with a accidet ivolvig the isured car, ad ot if it happes while you, your husbad, your wife or your civil parter were travellig i or gettig ito or out of ay other private motor car that you do ot ow ad is ot hired or leased to you. Persoal Accidet What is ot covered Ay loss if you do ot have cover uder this Sectio. Ayoe who is uder 21 or 75 or older at the time of the accidet. Death or bodily ijury caused by suicide or attempted suicide, self-ijury or by drugs, alcohol or aythig take or ihaled. Death or bodily ijury caused by disease, physical sickess or disability. Ayoe failig to keep to the law regardig the use of seat belts. Persoal Belogigs What is covered We will pay up to 100 for persoal belogigs i your car, if they are lost or damaged because of a accidet, fire, theft or attempted theft. If someoe else ows the property, you ca ask us to settle the claim with the ower of the property. We may eed proof of purchase. 26 Documet of car isurace

28 Part A SECTION 5 PERSONAL ACCIDENT, PERSONAL BELONGINGS AND MEDICAL EXPENSES CONTINUED Child seat cover If you have a child seat fitted i your car ad your car is ivolved i a accidet, provided you are makig a claim uder Sectio 3 of this policy, we will pay for the cost of a replacemet of a similar model ad stadard eve if there is o apparet damage, subject to the provisio of the purchase receipt for the origial item. Persoal Belogigs What is ot covered Ay loss or damage if you do ot have cover uder this Sectio. Persoal belogigs covered by ay other isurace. Moey, stamps, tickets, documets, securities, jewellery or furs. Goods or samples coected with your work or ay other trade, or ay cotaier for these thigs. Radios, cassette, compact or mii disc players, MP3 players, tapes or discs, televisios, phoes or phoe equipmet, computers or computer equipmet ad accessories, computer game cosoles or games ad accessories, Citize-Bad radios ad accessories. Keys, remote cotrol or security devices. Property take from a ulocked vehicle or which you have ot take reasoable care to protect from loss or damage. Medical Expeses What is covered If you or your passegers are ijured because of a accidet ivolvig the isured car, we will pay up to 150, i additio to the compulsory Emergecy Medical Treatmet fee (see Sectio 1), for each perso for ay medical treatmet they receive. Medical Expeses What is ot covered Ay medical expeses if you do ot have cover uder this Sectio. Documet of car isurace 27

29 Part A SECTION 6 DRIVING ABROAD Miimum Isurace What is covered We provide the miimum cover that applies to the coutry cocered to allow you to use the isured car covered by this isurace i: Ay coutry which is a member of the Europea Uio, Adorra, Croatia, Icelad, Norway, Serbia ad Switzerlad. The miimum cover automatically provided by this cotract of motor isurace may vary from coutry to coutry. Miimum Isurace What is ot covered Damage to the isured car Customs ad Excise duty Cover i additio to Miimum Isurace What is covered We will exted your cover to apply to: Ay coutry which is a member of the Europea Uio, Adorra, Croatia, Icelad, Norway ad Switzerlad. the isured car whilst it is beig trasported by rail, sea or air betwee coutries which you have cover for. If you are travellig by sea, it must be by a recogised sea route ad the jourey should ot take loger tha 65 hours. For up to a quarter of the period of isurace as log as: The isured car is taxed ad registered withi the geographical limits, ad Your mai permaet home is withi the geographical limits ad your visit abroad is oly temporary. 28 Documet of car isurace

30 Part A SECTION 6 DRIVING ABROAD CONTINUED Cover i additio to Miimum Isurace What is ot covered Drivig other cars (see Sectio 1) eve if stated o the certificate of motor isurace. Customs ad Excise duty. Use for more tha a quarter of the period of isurace. Loss or damage i ay coutry which is ot a member of the Europea Uio, Adorra, Croatia, Icelad, Norway or Switzerlad. Persoal Accidet, Belogigs or Medical Expeses (see Sectio 5) uless show o the schedule as applyig whe the isured car is beig used withi the geographical limits. The isured car, uless it is beig used for purposes described i the certificate of motor isurace. Ay additioal accommodatio or travel costs or expeses icurred. Additioal iformatio whe travellig abroad The followig does ot form part of your cotract of motor isurace. Do take out adequate travel, breakdow ad recovery isurace to cover all evetualities, eve o a short trip. Do ot sig a Agreed Statemet of Facts form uless you fully uderstad ad agree with its cotets. I some coutries they are bidig agreemets of the circumstaces of a icidet. Documet of car isurace 29

31 Part A SECTION 7 NO CLAIMS DISCOUNT If this is a yearly cotract, ad you do ot claim uder this isurace ad you have ot bee ivolved i a accidet which has or may result i a claim agaist you, we will give a discout from your reewal premium. If the isurace covers more tha oe car, the No Claims Discout will apply separately for each car. You caot trasfer your No Claims Discout to ayoe else. We will reduce or remove your No Claims Discout, i accordace with the scale below, if we make ay paymet whatsoever, eve if the accidet is ot your fault, uless we get the moey back from someoe else. We may withhold the No Claims Discout i full or part if there are ay claims that have ot bee settled. If we recover all our moey, or we have good reaso to believe a third-party claim would be usuccessful, the No Claims Discout would apply agai. Curret NCD After 1 Claim After 2 Claims After 3+ Claims (Years) (Years) (Years) (Years) If you have a protected No Claims Discout (show o the schedule) we will ot reduce the Discout if you do ot claim more tha twice durig five cotiuous periods of isurace. The protected No Claims Discout oly applies while you are isured by us ad caot be trasferred to aother isurer. Premiums i future years may still be icreased accordig to the claims history. 30 Documet of car isurace

32 Part A SECTION 8 LOCK REPLACEMENT STOLEN KEY COVER What is covered If the keys, lock trasmitter or etry card for the keyless etry system of your isured car are stole, we will pay up to 750 towards the cost of replacig: the door ad boot locks the igitio ad steerig locks the lock trasmitter; ad the etry card provided that we are satisfied that the idetity or locatio of your isured car is kow to ay perso who may have the keys, trasmitter or etry card, ad reasoable care is take to safeguard the keys, trasmitter or etry card from loss. What is ot covered The theft excess show o your schedule. Ay amout i excess of 750. Documet of car isurace 31

33 Part B GUARANTEED HIRE CAR The cover provided uder Part B oly applies if it is show o the curret policy schedule ad you have paid the additioal premium. What is covered If the isured vehicle is damaged (excludig widscree damage) ad is beig repaired by a Highway Isurace approved repairer, or is stole ad ot recovered ad the icidet occurs withi the territorial limits, we will arrage for a hire car to be delivered to, ad collected from, your home address (as described o the schedule), for your use. Whilst the isured vehicle is beig repaired by a Highway Isurace approved motor vehicle repairer, or From whe you otify us of the theft claim, util paymet has bee issued to you i settlemet of your claim, i either case ot exceedig the hire period. If, due to circumstaces beyod our cotrol we caot arrage a hire car for you, we may, at our discretio, reimburse your trasportatio costs up to a maximum of 10 per day for the hire period. If the isured vehicle has bee professioally adapted or coverted to carry a driver or passeger with disabilities ad aother suitable vehicle is ot available, we will reimburse your trasportatio costs to a maximum of 10 per day for the hire period. Use of the hire car withi the territorial limits oly. 32 Documet of car isurace

34 Part B GUARANTEED HIRE CAR CONTINUED What is ot covered The followig are ot covered uder this isurace: All fuel, fares, ad fies relatig to the hire car whilst i your possessio. Ay claim which has ot bee reported to Highway Isurace via our Cotact Cetre (UK) o withi 24 hours of the icidet, accidet or theft. Ay provisio of the hire car where the isured vehicle is beig repaired by a o-approved repairer. Ay provisio of the hire car where a hire car is already provided uder ay other isurace product or related product. Ay claim where Highway Isurace do ot provide cover uder the terms of the motor isurace policy. Ay further hire charges icurred after the hire period. Ay hire charges for more tha three days after paymet has bee issued to you i settlemet of your claim. Ay use of the hire car, whilst it is beig drive by ay perso, ot covered uder the terms of Highway Isurace motor isurace policy. Ay excess payable followig a accidet, fire or theft ivolvig the hire car. Use of the hire car outside the territorial limits. Documet of car isurace 33

35 Part B GUARANTEED HIRE CAR CONTINUED How to obtai your Hire Car If the isured vehicle is ivolved i a icidet, accidet or is stole you must report it immediately (o later tha 24 hours) to the Cotact Cetre (UK) o ad to the Police if the isured vehicle has bee stole. We will get the hire car compay to cotact you to arrage delivery of the hire car. A fuel deposit is payable by you o receipt of the hire car. This will be refuded upo retur of the hire car provided there is o damage ad it has a full tak of fuel. If you wish to upgrade from the hire car provided, you should discuss this with the hire car compay, but you will be resposible for ay additioal cost required. Terms ad coditios The hire car will be isured uder your comprehesive motor isurace policy with Highway Isurace durig the hire period. This meas that claims arisig durig the hire period will be made uder your motor isurace policy. You must therefore comply with the geeral exclusios ad geeral coditios of your motor isurace policy durig the hire period. The hire car ca oly be used by you or ay perso etitled to drive as stated i your curret certificate of motor isurace. Ay paymets made for ay loss or damage to the hire car will be made to the hire car compay ad you will be required to pay the excess that applies to this cotract of motor isurace, to the hire car compay. You will receive a copy of the hire car compay s terms ad coditios whe the hire car is delivered to you ad this will apply as part of these terms ad coditios. 34 Documet of car isurace

36 CLAIMS HANDLING We aim to provide you with the best claims service that we ca. If you use the services we have put i place to achieve this, we ca provide a better service tha whe the claim is outside our cotrol. There are some importat poits that you should be aware of if you are ivolved i a accidet or your car is stole. Accidet You must STOP at the scee of the accidet, do ot drive away util you have exchaged details with the other party ivolved. Give your ame, address ad isurace details. Get the ame, address, phoe umber, vehicle registratio ad ay other iformatio you ca from the other driver or drivers, passegers, witesses ad ay attedig police officer. Note the exact locatio ad ay relevat road sigs or markigs. If there is a ijury ad you did ot give your details at the scee, report the icidet to the police withi 24 hours. Theft Report the theft to the police immediately ad take a ote of the officer s ame, umber costabulary ad crime referece umber. If you kow where the vehicle is after its theft, make sure that it is safe ad secure. Documet of car isurace 35

37 CLAIMS HANDLING CONTINUED Claims Procedure If ay accidet, ijury, loss or damage occurs you, or your legal represetative, must do the followig: Iform us by callig our Cotact Cetre (UK) o as soo as is reasoably possible. If your claim is for glass oly call our glasslie o Sed us, uaswered, every letter you receive about a claim as soo as possible. Tell us, as soo as you kow, about ay prosecutio, coroer s iquest or fatal accidet ijury. Not admit liability or egotiate a settlemet without our writte permissio. Give ay iformatio, help ad co-operatio we eed, icludig goig to court if ecessary. We may do the followig Take over, defed or settle ay claims i your ame, or that of ay other perso isured. Take actio (which we will pay for) i your ame, or that of ay other perso isured, to get back ay moey we have paid. Widscree Damage Rig (See Sectio 4) If you use Highway Glasslie the policy limit may ot apply. If you use aother supplier, we will oly pay up to the limit show o the schedule. Some widscree damage ca be repaired. If so, o widscree excess will apply. 36 Documet of car isurace

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