motor insurance Do you have any questions? Call telephone number (usual call charges without surcharge).
|
|
- Matthew Smith
- 8 years ago
- Views:
Transcription
1 ABN AMRO Verzekeringen conditions motor insurance 2014 passenger accident insurance This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation, the Dutch text will prevail. These conditions describe the passenger accident insurance of your motor insurance. This insurance pays out an amount if you become permanently disabled or die due to an accident with your car. Do you have any questions? Call telephone number (usual call charges without surcharge). What do these conditions say? Page 1: What do the words in italics mean? Page 1: How do you report an accident? Page 1: What changes are you always required to report? Page 2: What does your passenger accident insurance cover? Page 2: What does your passenger accident insurance never cover? Page 2: What happens in case of an accident with your car and what do we pay out? Pages 3-4 What other agreements are there? Page 5: Definitions with explanation of words printed in italics. What do the words in italics mean? Some words in these conditions are printed in italics. These words have a special meaning. An explanation of these words can be found in the list of definitions at the end of these conditions. How do you report an accident? Have you been involved in an accident? Report this as quickly as possible. You can call telephone number (usual call charges without surcharge). Or (collect call is possible) if you are abroad. What changes are you always required to report? You must report the following changes to us: if you move house of if you sell your car; if your car gets a foreign license plate or is abroad longer than two months. Please note: You must give notice of these changes within 14 days after they arise. We will then look for a suitable solution. And assess whether and how the insurance can be continued. ABN AMRO Conditions Motor Insurance passenger accident insurance Page 1 of /14-11
2 What does your passenger accident insurance cover? Your insurance covers payout if an passenger dies or becomes permanently disabled due to an accident with your car. Please note: The cover applies unless there is a situation your insurance never covers. Therefore, do not only read what your insurance covers but also what you insurance does not cover. What does your passenger accident insurance NEVER cover? Your passenger accident insurance NEVER covers payout for an accident: that arose or was caused before the beginning or after termination of your insurance; arisen in a country that is not stated or crossed out on the international motor insurance certificate; whereby the driver of your car is not allowed to drive according to the law or government laws or regulations; if national or international laws or regulations prohibit this; if the policyholder or a household member is not the owner of your car according to the RDW; due to terrorism that is not compensated by the Netherlands Reinsurance Company for Losses from Terrorism. See also terrorismeverzekerd.nl; due to intent, serious negligence or during an illegal activity on your part; during professional use of your car. during participation in a speed race or off-road driving. of a participant who is not positioned in a normal seat. What happens in case of an accident with your car and what do we pay out? 1 What do we do in case of an accident with your car. If you report an accident to us we will determine what happened. You or your surviving relatives give us the information we need. Sometimes we will ask a physician to help us with this. You and your surviving relatives must cooperate with this. Do you or your surviving relative fail to comply with an obligation from these conditions? Then we can refuse payout 2 How do we determine whether an accident with your car is covered? In order to determine whether an accident is covered we use these conditions, your policy and the information we received. 3 What do we pay out in case of a covered accident with your car? The payout in case of death due to an accident is the insured amount in case of death that is stated on the policy document. In case of permanent disability we multiply the insured amount in case of permanent disability with your degree of disability. We establish this percentage according to the AMA rules. Permanent disability has to be established by the general practitioner within 1 year after the accident. We do not take your occupation or hobby into account when establishing this. Were you permanently partially disabled before the accident? Then we will deduct that part from your degree of disability. Please note: The degree of disability in case of a whiplash amounts to no more than 5% for this insurance. We pay the payout directly to the affected passenger or to the surviving relative. Page 2 of 5 ABN AMRO Conditions Motor Insurance passenger accident insurance
3 What other agreements are there? When does your insurance start? The insurance starts on the starting date. The starting date is on the policy. When can you terminate your insurance? You can terminate you insurance at any time without stating any reasons. You must give notice of the termination of the insurance 30 days before the desired termination date. When can we terminate your insurance? We can terminate your insurance on the revision date. The revision date is on the policy. We must give notice of the termination of the insurance 60 days before the revision date. We can also terminate your insurance in the following situations: within 30 days after damage has been reported or paid out; in case of fraud you committed or changes you have to report; if the ABN AMRO bank account that is linked to this insurance is terminated; if you have not paid the premium despite a warning. When will your insurance automatically end? Your insurance automatically ends if: the motor insurance for your car at our company has been terminated; you no longer live in the Netherlands; your car gets a foreign registration number; if we have paid out a claims payment to you for total loss of your car. When does your insurance change? The insurance will be changed on the date of change. The date of change is on the changed policy. The previous policy will lapse at that time. In what situations may we change your insurance? We may always change the conditions or premium of your insurance on the date of change. We may also change your insurance at other times: Has the policyholder reported a change in the risk? Or are the details on your policy not correct? Then we may change the premium or the conditions. Do we want to change the insurance for a specific group of insurances or policyholders at the same time? Then we may always change the premium or the conditions. And on a date we choose. Do you not agree with a change? Then you can terminate the insurance within 30 days of our change proposal. What if you do not terminate the insurance? Then you accept the change. When and how does the policyholder pay the premium? The policyholder pays the premium around the 26th of every month. This date is called the premium due date. The insurance premium, costs and insurance tax will be automatically deducted from your account. If this fails or we do not receive any premium? Then we will send the policyholder a warning. And if the policyholder still does not pay? Then cover automatically lapses 15 days after we have sent the policyholder a warning. And the insurance ends. Transfer or time-barring Claims will be time-barred 3 years after a payout has been made for an accident. Or 3 years after the accident and you did not report it to us. Words that appear in italics are explained in the list of definitions on page 5. ABN AMRO Conditions Motor Insurance passenger accident insurance Page 3 of 5
4 Complaints Do you have a complaint about this insurance or about our service? Then you can lodge this complaint with us. Are you not satisfied with the outcome? Then you can present it to the independent Stichting Klachteninstituut Financiële Dienstverlening (KiFiD) [Financial Services Complaints Institution], P.O. Box 93257, 2509 AG The Hague. You may always present the complaint to a court. Protection of privacy and electronic recording We will protect your privacy. We are bound by the gedragscode Verwerking Persoonsgegevens Financiële Instellingen [Code of Conduct for the Processing of Personal Details by Financial Institutions]. You can find this code of conduct on verzekeraars.nl if you search for gedragscode (code of conduct). Do we communicate with each other electronically? For example, via the Internet, or telephone. Then we can record this communication electronically. As proof or to improve the service. How do we protect you and ourselves against intentionally incorrect information, deception or misleading information? We assume that we will be informed correctly and completely. If there is a suspicion of intentionally incorrect information, deception or misleading information we can carry out an investigation. We do that in accordance with guidelines of the Verbond van Verzekeraars. Because we work together with Delta Lloyd, we also follow their guidelines. More information on this can be found on deltalloyd.nl/over-ons/integriteit. Here you will also find the Protocol Incidenten waarschuwingssysteem Financiële Instellingen (PIFI) [Protocol for the Incidents Warning System of Financial Institutions]. This protocol sets out the rules which we abide by if an incident is recorded in a register. After carrying out an investigation we will make a decision. For example, to immediately terminate the insurance or not to make a payout. And to terminate other insurances with us. In addition we can decide to demand repayment of payouts and seek recovery of the investigation costs. We can also report the matter to the police. All these measures are to ensure that you do not pay unnecessary premium because others do not handle their insurance properly. Dutch law This insurance is governed by Dutch law. Does a dispute result in proceedings before the court? In that event the dispute will be brought before a court in the Netherlands. Page 4 of 5 ABN AMRO Conditions Motor Insurance passenger accident insurance
5 Definitions Accident is a sudden and unforeseen impact that affects the body from the outside. We deem several incidents which have the same cause one event. Acts of war is organised violence as described in the Dutch Financial Services Supervision Act. We adhere to this description. To summarise, there are acts of war in the event of organised violence: of a country, state or militant organisation which engages in war with military weapons; of an armed peace-keeping mission of the United Nations; of a population group or a large group of citizens who are engaged in a civil war; of a group or movement which rebels or riots against the government; of group members which mutiny against a ruling authority; of activists resulting in domestic unrest at various locations. AMA rules are the last known rules for establishing a degree of disability of the American Medical Association and the Netherlands Association for Neurology and the Netherlands Orthopaedic Association s additions thereto. Car is the car of which the registration number is on the policy. Or a replacement car with Dutch number plates while your car is being repaired. Car also includes accessories. Damage is material damage to or loss of a thing. Delta Lloyd is Delta Lloyd N.V. of which we are part. Earthquake is the shaking or trembling of the earth or a landslide. Event is an incident. We deem several incidents which have the same cause one event. Expert is an expert person who has undertaken to adhere to the Loss Adjustment Organisations Code of Conduct. Household member is a person with whom the policyholder cohabits on a long-term basis and as a family. International motor insurance certificate is the International motor insurance certificate for your car. Nuclear reaction is a nuclear reaction whereby energy is released such as nuclear fusion, nuclear fission or radioactivity. Occupant is the driver and the passengers getting in or out of your car. An occupant is also someone who exits your car and stays near to your car in the event that your car breaks down en route. Off-road driving is the unnecessary use of your car on terrain that is not intended for cars. Policyholder is the person who took out the insurance and who must ensure that the premium is paid. Have several persons taken out the insurance? The first person mentioned on your policy is the policyholder. RDW is the National Vehicle and Driving Licence Registration Authority. Storm is wind force 7 or more according to the Royal Netherlands Meteorological Institute. Terrorism is violent behaviour in the form of an attack or malicious contamination. And is intended to realise political, religious or ideological goals. A document has been prepared on the reinsurance of terrorism. Said document sets out what is insured. The document is called protocol afwikkeling claims [Claims Handling Protocol]. The document can be found on terrorismeverzekerd.nl. Thing is an object as described in the Dutch Civil Code. Usual call charges are your usual call charges without surcharge. These charges are set by your telephone provider. Verbond van Verzekeraars [Dutch Association of Insurers] is an association representing the interests of insurers. See alsoverzekeraars.nl. We is ABN AMRO Schadeverzekering N.V. Whiplash is a cervical or lumbar acceleration or deceleration injury of the spine with possible neuropsychological or vestibular anomalies. You is: the policyholder; the owner of your car; a passenger of your car; the driver of your car who is allowed to drive the car by the policyholder; ABN AMRO Conditions Motor Insurance passenger accident insurance Page 5 of 5
personal liability insurance
ABN AMRO Verzekeringen conditions personal liability insurance 2014 This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation, the
More informationmotor insurance Do you have any further questions? Call telephone number 0900 0024 (usual call charges without surcharge).
ABN AMRO Verzekeringen conditions motor insurance 0315 This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation, the Dutch text will
More informationlegal expenses insurance
ABN AMRO Verzekeringen conditions legal expenses insurance 2014 This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation, the Dutch
More informationannual travel insurance
ABN AMRO Verzekeringen conditions annual travel insurance 0515 cancellation charges This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation,
More informationhome insurance Do you have any questions? Call telephone number 0900 0024 (usual call charges without surcharge).
ABN AMRO Verzekeringen conditions home insurance 2014 This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation, the Dutch text will
More informationstudent insurance Do you have any further questions? Call telephone number 0900 0024 (usual call charges without surcharge).
ABN AMRO Verzekeringen conditions student insurance 2014 household contents This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation,
More informationhousehold contents insurance
ABN AMRO Verzekeringen conditions household contents insurance 2014 This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation, the
More informationHousehold Contents Insurance
Conditions of Household Contents Insurance 2014 This is a translation of the original Dutch text. In the event of any disparity between the Dutch original and this translation, the Dutch text will prevail.
More informationGeneral Terms and Conditions Version 1.0. Expat Policy for Foreign Professionals in The Netherlands
Version 1.0 for Foreign Professionals in The Netherlands Important These are the of your for Foreign Professionals in The Netherlands. We have separate Supplementary Terms and Conditions for each supplemental
More informationExpat Policy for Foreign Professionals
Expat Policy for Foreign Professionals in The Netherlands application insurance consultant agency number 770607(apr2011)a address consultant Expat Policy for Foreign Professionals in The Netherlands application
More informationABN AMRO Term Life Insurance
Conditions 1304 ABN AMRO Term Life Insurance The English translation has no legal force and is provided to the customer for convenience only. The conditions in Dutch shall be binding and prevail in all
More informationMotor Vehicle Insurance for Alphabet Nederland B.V.
Allianz Nederland Verkeer- en Privéverzekeringen Motor Vehicle Insurance for Alphabet Nederland B.V. Insurance terms and conditions AN 01 Contents General terms and conditions Article 1 Definitions 3 Article
More informationMANDATORY VEHICLE INSURANCE Terms and conditions No. 500
These insurance terms and conditions consist of three independent insurance contracts and are divided into four sections. The final section applies jointly to all three insurance contracts. The division
More informationYOUR MOTOR EXCESS INSURANCE POLICY
YOUR MOTOR EXCESS INSURANCE POLICY MCE_MotorXS_Protection_001 Excess Protection - Focus Insurance Co. For policies incepted 1st July 2014 to 4th January 2015 with Focus Insurance Co. Exclusions 1. Vehicles
More informationDO YOU WANT TO CANCEL YOUR RESERVATION?
Dear Client, Please find enclosed the conditions for the Short-Term Cancellation Insurance Policy of Europeesche. It is important that you know what your insurance covers and does not cover, and what else
More informationDrivology Car Insurance - Policy Summary
Drivology Car Insurance - Policy Summary Your Policy Key Facts July 2015 edition Drivology Car Insurance - Policy Summary This policy summary does not contain full details and conditions of your insurance
More informationCompulsory Third-party Liability Insurance for Motor Vehicles. Accident Insurance for Driver and Owner as Passengers Windshield Insurance
Accident Insurance for Driver and Owner as Passengers Windshield Insurance Insurance Terms This policy is covered by the Insurance Contracts Act No. 20 of 1954 unless otherwise specified in these terms
More informationQUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY
QUEST - QBE COMPREHENSIVE MOTOR INSURANCE MASTER POLICY CONTENTS PAGE SECTION 1: LOSS OR DAMAGE TO VEHICLE 1 INSURING CLAUSE 1 AUTOMATIC EXTENSION 1 LIMIT OF INDEMNITY 1 EXCLUSIONS 1 EXCESS FOR SECTION
More informationSafeGuard Insurance & Support. Policy Conditions
SafeGuard Insurance & Support Policy Conditions 2 Table of contents 3 3 4 6 Points of attention Definitions SafeGuard Insurance SafeGuard Support The English translation has no legal force and is provided
More informationGENERAL CONDITIONS TOURIST TRAVEL INSURANCE
GENERAL CONDITIONS TOURIST TRAVEL INSURANCE 2 General conditions Number TTIe 2002 Tourist Travel Insurance Classification of conditions by section GENERAL Summary of cover 1 Description of terms 2 Duration
More informationDiners Club Corporate Cards. Description of Insurance Cover Effective 1 February 2013
Diners Club Corporate Cards Description of Insurance Cover Effective 1 February 2013 Contents What is this booklet? 3 Zurich The issuer of this insurance cover 3 Other Insurances 3 Sanctions 3 Enquiries
More informationDrivology Car Insurance - Policy Summary
Drivology Car Insurance - Policy Summary Your Policy Key Facts May 2016 edition Drivology Car Insurance - Policy Summary This policy summary does not contain full details and conditions of your insurance
More informationThe University of Tokyo Regulations on Discretionary Accident Compensation for Academic and Administrative Staff
* The Japanese version is the authoritative version, and this English translation is intended for reference purposes only. Should any discrepancies or doubts arise between the two versions, the Japanese
More informationMOTOR VEHICLE ACCIDENT VICTIM INSURANCE POLICY
MOTOR VEHICLE ACCIDENT VICTIM INSURANCE POLICY Subject to the coverage, conditions, and exclusions of the insurance and being endorsed hereon, the Company agrees with the Insured as follows:- 1. This Insurance
More information220 Third-Party Liability Insurance for Motor Vehicles
A COMPULSORY THIRD PARTY LIABILITY INSURANCE FOR MOTOR VEHICLES 1. The insured parties 1.1 The policyholder is insured, as well as whoever uses or drives the vehicle with his consent. Should the vehicle
More informationAt Fault Driver Injury Insurance Policy
At Fault Driver Injury Insurance Policy At RACQ Insurance we are here to help you protect the things that matter most By choosing RACQ Insurance as your Compulsory Third Party (CTP) insurer of your vehicle,
More informationBusinesses and Professions Liability Insurance nr. 1198 1
Businesses and Professions Liability Insurance nr. 1198 The conditions are classified as follows: General Terms Liability Insurance 1. Definitions 2. Description of the cover including inclusions and exclusions
More informationTHIRD PARTY PROPERTY DAMAGE INSURANCE PRODUCT DISCLOSURE STATEMENT PART 2
THIRD PARTY PROPERTY DAMAGE INSURANCE PRODUCT DISCLOSURE STATEMENT PART 2 INSURANCE COVER THIS DOCUMENT IS PART 2 OF A 2 PART PRODUCT DISCLOSURE STATEMENT (PDS). THIS PART 2 IS THE INSURANCE COVER DOCUMENT
More informationYou are well insured for your trip with cancellation insurance from the Europeesche. Below are a few tips and recommendations for when you travel.
Dear client, You hereby receive the General Contract Terms and Conditions for our Short-term Insurances and the General Terms and Conditions for our Short-term Cancellation Insurance. In order to ensure
More informationDoes My Third Party Insurance Cover Me For Damage Or Loss
Special terms and conditions Third Party Insurance for private individuals AVP2012 Explanation Special terms and conditions Third Party Insurance for private individuals If the policy sheet states that
More informationPurchase Protection 180 days. Policy Conditions
Purchase Protection 180 days Policy Conditions 2 Table of contents 3 3 4 Point of attention Definitions Conditions Article 1 General provision Article 2 The insurance agreement Article 3 Area of validity
More informationYour. Product Disclosure Statement and Insurance Policy
Your Product Disclosure Statement and Insurance Policy In arranging this insurance Credit Union Australia Limited ABN 44 087 650 959 AFSL No. 238317 is acting pursuant to an agreement with the Insurer
More informationCredicover Loan Insurance
The Disability and Involuntary Unemployment component of this policy is underwritten by Credicorp Insurance Pty Ltd ABN 50 069 196 756, AFSL No. 238 335. Life Insurance issued by arrangement with CGU Insurance
More informationVehicle insurance. Insurance terms no. BA10. The following apply to the insurance:
Vehicle insurance The following apply to the insurance: The insurance policy together with special entries and special terms. These terms no. BA10. The company s joint terms no. YY10. The Act on Insurance
More informationABN AMRO Credit Card Insurance Conditions
ABN AMRO Credit Card Insurance Conditions Purchase Protection Insurance Conditions Luggage and Flight Delay Insurance Conditions Car Hire Deductible Insurance Conditions Car Hire Legal Assistance Insurance
More informationQLD. CTP At-fault Driver. Policy booklet
QLD CTP At-fault Driver Policy booklet 01 Contents Your Compulsory Third Party At-fault Driver Policy 02 Definitions 03 At-fault driver cover 05 Specified injuries and benefits 06 Refusal of claims 07
More informationIn the event of a claim please call MOTORISTS PERSONAL ACCIDENT
In the event of a claim please call 0871 222 79 10 MOTORISTS PERSONAL ACCIDENT CERTIFICATE OF INSURANCE This Policy is evidence of a contract solely between you (your name is specified in the Schedule)
More informationPersonal Injury Cover. Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered
More informationPersonal Accident Policy Document
Personal Accident Policy Document www.greeninsurancecompany.co.uk Drivers Personal Accident Insurance Policy Summary This policy summary is to help you understand the insurance by setting out the significant
More informationExcess Protection Insurance Policy
Excess Protection Insurance Policy Table of Contents SECTION 1: Policy Structure 2 SECTION 2: Definitions 3 SECTION 3: Eligibility 4 SECTION 4: General conditions of cover 5 SECTION 5: Exclusions 6 SECTION
More informationIn the event of a claim please call 0871 222 79 10 PERSONAL INJURY COVER
In the event of a claim please call 0871 222 79 10 PERSONAL INJURY COVER PERSONAL INJURY COVER CERTIFICATE OF INSURANCE This Policy is evidence of a contract solely between you (your name is specified
More informationMotor Excess Protection Insurance
Motor Excess Protection Insurance For Private Cars, Motorcycles and Commercial Vehicles. Questor Insurance Services Limited First Floor Suite West A Orchard House, Station Road Rainham, Kent ME8 7RS United
More informationCollective accident insurance
Collective accident insurance Policy conditions COP 01012015 TRANSLATION These conditions have been translated from the original Dutch wording. In case of differences between the wording of these conditions
More informationMotor Vehicle Excess Protection Policy Wording
Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions
More informationSummary of Motorcycle insurance cover
Summary of Motorcycle insurance cover This is for general information only. You can find the precise terms and conditions of this plan in the policy contract. Plan & Coverage Comprehensive Third party,
More informationMOTORCYCLE INSURANCE POLICY (SAMPLE)
MOTORCYCLE INSURANCE POLICY (SAMPLE) SAMPLE COLONIAL MOTORCYCLE POLICY 1 COLONIAL MOTOR CYCLE COVER The Colonial Insurance Company Ltd. (hereinafter referred to as Colonial ) agrees to provide insurance
More informationContents. General terms and conditions 02. Vehicle comprehensive 06. Vehicle third party, fire and theft 09. Vehicle third party only 12
Contents General terms and conditions 02 Vehicle comprehensive 06 Vehicle third party, fire and theft 09 Vehicle third party only 12 Off-road vehicle comprehensive 14 Motorcycle comprehensive 17 Caravan
More informationPremiums and Conditions 2016. Metalektro WIA
Occupational disability of 35% or more in the Metals and Electrical Engineering ( Metalektro ) Sector WGA-Hiaatverzekering insures against income loss Broad coverage, fair premium Premiums and Conditions
More informationMOTOR FLEET KEY FACTS FLEET COVER GEARED FOR YOUR NEEDS
MOTOR FLEET KEY FACTS FLEET COVER GEARED FOR YOUR NEEDS Product Summary Please read this document carefully. Full terms and conditions can be found within the Policy Document. Motor Fleet Policy The Fleet
More informationHole In One Policy Wording
Hole In One Policy Wording V03.14 Pen Underwriting Pty Ltd ABN 89 113 929 516 AFSL 290518 Our name comes from the expression to pass the pen. It reflects what we do and what we bring to the insurance industry
More informationPayment Protection Insurance Policy
Payment Protection Insurance Policy Introduction Money back guarantee You may cancel your policy within 14 days of receiving it if you are not entirely satisfied with the insurance cover provided. You
More informationAXA Car Insurance. Policy summary. June 2014 edition
AXA Car Insurance Policy summary June 2014 edition 35372_APLD0144ZF_SUM_A5.indd 1 17/06/2014 13:36 Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore
More informationPersonal Injury Cover. Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered
More informationAXA Car Insurance. Policy summary. April 2015 edition
AXA Car Insurance Policy summary April 2015 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions
More informationBusiness Banking Visa Debit Card Transit Accident Insurance
Transit Accident Insurance Business Banking Visa Debit Card Transit Accident Insurance Effective for purchases finalised on or after 1st July 2015 Complimentary Cover Your complimentary cover will provide
More informationPersonal Accident Insurance. Arranged by Golfguard Ltd
Personal Accident Insurance Arranged by Golfguard Ltd 1 This is your Personal Accident Insurance policy document. If you have any questions about these documents, please contact your insurance adviser
More informationCommercial Vehicle Insurance Policy
Commercial Vehicle Insurance Policy 1 Welcome to your Commercial Vehicle Insurance Policy Dear Thank you for choosing us as your insurer. This is your policy document. It is the evidence of the contract
More informationIn the event of a claim please call. Insurance
In the event of a claim please call 0871 222 79 10 Excess Protection Insurance Excess Protection Insurance Section 1: Policy Structure Thank You for choosing Excess Protection Insurance. This policy wording
More informationInsurance. Home, car, travel and liability. The right insurance coverage Excellent service Convenient and easy
Insurance Home, car, travel and liability The right insurance coverage Excellent service Convenient and easy 1 Insurance Home, car, travel and liability Everyday life involves all kinds of risks. These
More informationAXA Third Party Fire & Theft Car Insurance Policy Summary
AXA Third Party Fire & Theft Car Insurance Policy Summary This policy summary does not contain full details and conditions of your insurance these are located in your policy wording. This insurance is
More informationRefers to a decrease in value of an item over time.
MOTORCYCLES 1. HELPFUL DEFINITIONS You/your/yourself/yours: Vehicle: Vehicle Accessories: Standard Vehicle Accessories: Non-Standard Vehicle Accessories: Depreciation: Betterment: Total Loss: Means you
More informationIf you have any questions about procuring car insurance with Mahindra First Choice Wheels, read on:
FAQS on Car Insurance If you have any questions about procuring car insurance with Mahindra First Choice Wheels, read on: Is it necessary for me to have auto insurance? Yes, it absolutely is. According
More informationAXA Car Insurance. Policy summary. April 2016 edition
AXA Car Insurance Policy summary April 2016 edition Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore it does not contain the full terms and conditions
More informationTHE UNIFIED COMPULSORY MOTOR INSURANCE POLICY
THE UNIFIED COMPULSORY MOTOR INSURANCE POLICY The Unified Compulsory Motor Insurance Policy Article 1 Based on the Law on Supervision of Cooperative Insurance Companies issued under Royal Decree No. M/32
More informationConsumers need to have clear insight into the services offered and the costs involved before they sign any agreement or contract.
The number 1 company for financing your home abroad You may not understand all Dutch habits, but we aim to ensure you understand everything about your mortgage! Expat Mortgages B.V. Opening hours: T +31
More informationWhat You Need To Know About At-Fault Motor Vehicle Accidents
NSW CTP At-fault Driver Policy booklet 01 What we cover CTP At-fault Driver is extra cover we automatically provide with your NRMA Compulsory Third Party (CTP) Insurance for accidents that happen while
More informationMedical Malpractice Insurance Policy
Medical Malpractice Insurance Policy You only have cover under this policy if the schedule lists it as included. This policy should be read in conjunction with the schedule. Contents 1 Definitions... 2
More informationCTP AT-FAULT DRIVER POLICY. Help, when you re injured and you are at fault. at-fault driver. Edition 1 QLD
CTP AT-FAULT DRIVER Help, when you re injured and you are at fault at-fault driver Edition 1 QLD Step three Most external review panels will only deal with your complaint if you have already exhausted
More informationand the President has proclaimed the following Law:
Unofficial translation The Saeima 1 has adopted and the President has proclaimed the following Law: THE INSURANCE CONTRACT LAW Chapter I GENERAL PROVISIONS Article 1. Definitions 1) sum insured - the amount
More informationPersonal Accident Plan Terms and Conditions
Personal Accident Plan Terms and Conditions elephant.co.uk Policy Summary Personal Accident Plan This policy summary does not contain full terms and conditions of the cover, which can be found in the policy
More informationHow To Get A Car From Saffron
www.saffroninsurance.co.uk Motor claims assistance When things don t go to plan, we go to work. Motor claims assistance In the event of a claim, experienced specialists are on hand to ensure that your
More informationSummary of Private Car insurance cover
Summary of Private Car insurance cover This is for general information only. You can find the precise terms and conditions of this plan in the policy contract. Plan & Coverage Drivo Premium Drivo Classic
More informationTravel Accident Policy Document Statement of demands and needs
Travel Accident Policy Document Statement of demands and needs This product meets the demands and needs of those who are aged over 18 but under 65 and fulfil the eligibility criteria and who wish to benefit
More informationEurocard Corporate Gold and Business Eurocard Travel Insurance for Trips Abroad
In case of discrepancies, the Finnish version shall prevail. Eurocard Corporate Gold and Business Eurocard Travel Insurance for Trips Abroad Terms and Conditions, valid as of 1 August 2015 Policy number
More informationGARAGEKEEPERS COVERAGE
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY GARAGEKEEPERS COVERAGE This endorsement modifies insurance provided under the BUSINESSOWNERS COVERAGE FORM SCHEDULE Location No. Coverages
More informationYour car insurance policy Features and benefits
Your car insurance policy Features and benefits FBD Insurance plc, trading as Clan Insurance, is regulated by the Central Bank of Ireland PMV Clan FAB 2015 02 V1.0 Welcome to Clan Insurance. Our car insurance
More informationAccidents are a matter of chance. Securing your family s financial future isn t. Birla Sun Life Insurance Accidental Death and Disability Rider
Accidents are a matter of chance. Securing your family s financial future isn t. Provide additional financial security to your family with Birla Sun Life Insurance Accidental Death and Disability Rider
More informationB. Accident insurance for employees. 8. Accident concept
Accident insurance for employees Insurance Terms No. SÞ20 The insurance policy is governed by: The insurance policy, including endorsements and special terms and conditions. These insurance terms, No.
More informationGeneral Insurance Provisions (GIP)
Group Supplementary Insurance Pursuant to the Swiss Federal Law on Insurance Contracts (VVG) General Insurance Provisions (GIP) Edition January 2005 (Version 2007) Sanitas Privatversicherungen AG with
More informationMotor Insurance Policy (Third Party) Customer Service RIYADH JEDDAH KHOBAR
Motor Insurance Policy (Third Party) Customer Service 8004414442 RIYADH JEDDAH KHOBAR Motor Insurance Plan WHEREAS The policyholder has made an application to Medgulf The Mediterranean and Gulf Cooperative
More informationQ Card Accidental Death Cover. Policy Wording
Q Card Accidental Death Cover Policy Wording Q Card Accidental Death Cover Policy Wording 1. Introducing your Policy 2. What you re covered for 3. What you re not covered for 4. How to make a claim 5.
More informationSee page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)
See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March
More informationAsda Value Car Insurance. Excess Protection. money
Asda Value Car Insurance Excess Protection money Contents page number Motor Excess Protection Policy Wording... 3 Introduction... 3 Regulatory Information... 3 Your Insurer... 3 What Makes up this Policy?...4
More informationOnline Motor Excess Protect Insurance. Policy Wording
Online Motor Excess Protect Insurance Policy Wording Motor Excess Protect Insurance Policy Wording Introduction Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording
More informationIRONSHORE INSURANCE SERVICES LLC
IRONSHORE INSURANCE SERVICES LLC ONE STATE STREET, 7 TH FLOOR, NEW YORK, NY 10004 ADMINISTRATOR FOR PEMBROKE MANAGING AGENCY - LLOYD S Syndicate 4000 UMR# B6081NB000441A GENERAL SPECIE INSURANCE POLICY
More informationCOMMERCIAL GENERAL LIABILITY INSURANCE TERMS AND CONDITIONS 1/2013 Valid from 25.06.2013
COMMERCIAL GENERAL LIABILITY INSURANCE TERMS AND CONDITIONS 1/2013 Valid from 25.06.2013 1 THE PURPOSE OF THE INSURANCE 1.1 The purpose of the terms and conditions of the commercial general liability insurance
More informationPOLICY WORDINGS OF ANTICIPATED ENDOWMENT (BV-NA14, NA15, NA16, NA17 & NA18/2003) (9, 12, 15, 18 AND 21 YEARS) CHAPTER I. GENERAL PROVISIONS
1 POLICY WORDINGS OF ANTICIPATED ENDOWMENT (BV-NA14, NA15, NA16, NA17 & NA18/2003) (9, 12, 15, 18 AND 21 YEARS) Trade name: AN GIA TAI LOC (Approved in Official Letter No. 7546 TC/TCNH dated July 22, 2003)
More informationNSW & ACT. CTP At-fault Driver. Policy booklet
NSW & ACT CTP At-fault Driver Policy booklet 01 Contents Your Compulsory Third Party At-fault Driver Policy 02 Definitions 03 At-fault driver cover 05 Specified injuries and benefits 06 Refusal of claims
More informationSAI 009. Insurance Conditions for Personal Accident Aviation Seat Insurance
SAI 009 Insurance Conditions for Personal Accident Aviation Seat Insurance General Conditions 1 What does this policy cover... 2 2 Where does this policy cover... 2 3 Who is covered by this policy... 2
More informationPayment Protection Insurance Policy
Payment Protection Insurance Policy Contents INTRODUCTION...1 YOUR PRODUCT DISCLOSURE STATEMENT...2 Product Disclosure Statement overview...3 Exclusion... 6 YOUR POLICY... 8 General Information... 8 What
More informationNORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT
COMMERCIAL AUTO CA 22 34 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA PERSONAL INJURY PROTECTION ENDORSEMENT For a covered "auto" licensed or principally garaged in,
More informationTake It Easy Sports Personal Accident Insurance
SPORTS Snap cover from Take It Easy Sports Personal Accident Insurance Product Disclosure Sheet (Read this Product Disclosure Sheet before you decide to take out the Take It Easy Sports Personal Accident
More informationAsda Van Insurance. Summary of Cover. money
Asda Van Insurance Summary of Cover money Contents Contents... 2 Your Motor Policy Summary... 3 Types of Cover and Sections which apply... 3 Your Motor Policy...4 Section 1 - Loss or Damage...4 Accidental
More informationCommercial & Motor Trade Excess Reimbursement Policy Wording. Please refer to Your Certificate of Insurance for confirmation of coverage details
Please refer to Your Certificate of Insurance for confirmation of coverage details This is Your Commercial & Motor Trade Excess Reimbursement Insurance Policy. It contains details of cover, conditions
More informationCREDIT PROTECTION PRODUCT DISCLOSURE STATEMENT & POLICY WORDING
CREDIT PROTECTION PRODUCT DISCLOSURE STATEMENT & POLICY WORDING This is a very important document. Please ensure you read all of this document carefully and store it in a safe place for your records and
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA
POLICY NUMBER: PERSONAL AUTO PP 05 67 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PERSONAL INJURY PROTECTION COVERAGE MINNESOTA With respect to coverage provided by this endorsement,
More informationAssembly Bill No. 175 Committee on Transportation
Assembly Bill No. 175 Committee on Transportation CHAPTER... AN ACT relating to transportation; revising provisions relating to the use of safety belts in taxicabs; providing for the regulation by the
More informationClaim for Compensation for a Work-related death
SRC 184 (March 2014) Claim for Compensation for a Work-related death This form is to be completed if you wish to claim compensation under the Safety, Rehabilitation and Compensation Act 1988 (SRC Act)
More informationSee page 2 for. a quick summary. Motor Insurance. Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS)
See page 2 for a quick summary. Motor Insurance Cars & Motorcycles Product Disclosure Statement and Policy Booklet (PDS) This Product Disclosure Statement and Policy Booklet (PDS) was prepared on 16 March
More informationFLEETSHIELD. Policy Summary
FLEETSHIELD Policy Summary FleetShield Policy Summary FleetShield Policy Summary Your Tower Insurance FleetShield Policy is an annual contract which may be renewed each year subject to your needs and our
More information