Asda Value Car Insurance. Hire car. money

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1 Asda Value Car Insurance Hire car money

2 Contents page number Hire Car Insurance Policy Summary...4 Your Hire Car Policy Terms and Conditions... 7 Notice to the Policyholder/Insured Person page 2

3 Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic incident or stolen recovered incident or had their vehicle stolen and it remains unrecovered and who will be using the replacement car facility provided by Helphire Ltd. This Policy will cover You against the replacement car hire charges within the terms and conditions of Your Asda Value Car Insurance Hire Car Cover, which are not recoverable from any Third Party. Asda Value Car Insurance does not make personal recommendations as to the suitability of the Policy to individual circumstances. page 3

4 Hire Car Insurance Policy Summary This Policy summary does not contain full terms and conditions of the cover, which can be found in Your Hire Car Policy Terms & Conditions in the second part of this booklet. It is important that You read the Policy carefully and make sure it meets with Your requirements. Please keep this document in a safe place as You may need to refer to it if You need to make a claim. Acceptance The Policy can be purchased as an extension to a single driver, multi-vehicle policy and on a multi-driver, single vehicle policy. The Policy cannot be purchased as an extension on a multi-driver, multi-vehicle policy. Please further note that the Policy will only cover the proposer and the vehicles registered to them that are named on the Certificate of Motor Insurance. Your Insurer This policy is underwritten by Southern Rock Insurance Company Ltd, Suite 2B, Eurolife Building, 1 Corral Road, Gibraltar. Albany Assistance Ltd will act as Appointed Agents of Southern Rock Insurance Company Ltd in connection with the Policy and it s administration and may monitor and record calls for Your protection and theirs. Type of Insurance and Cover The Asda Value Car Insurance Hire Car Policy provides insurance to cover the replacement car hire charges within the terms and conditions of Your Hire Car cover. The Policy provides cover following the Insured Vehicle being rendered a total loss after a road traffic accident, a recovered theft or where that vehicle is stolen and remains unrecovered, all within the Territorial Limits. Significant Features and Benefits: Up to 14 days of continuous car hire (Refer to: What is Covered ) A Group A vehicle (e.g 1.0 litre car) provided by Helphire Ltd, within the Territorial Limits (Definitions: Hire Car) A Hire Car for when the Insured Vehicle is rendered a total loss through an Insured Incident (Definitions: Insured Incident) A Hire Car for when the Insured Vehicle has been stolen and not recovered (Definitions: Insured Incident) page 4

5 Significant or Unusual Exclusions or Limitations: A maximum of two claims can be made within the Period of Insurance (Refer to: What is Covered ) The Insured Person must be a full Driving Licence holder aged 18 years and over (Definitions: Insured Person) The following are not covered under this Policy: All fuel, fares, fines and fees relating to the Hire Car whilst in Your Possession (Refer to point a under section What is not Covered ) Any claim where the Insured Vehicle was being used for hire or reward (Refer to point b under section What is not Covered ) Any claim for theft which has not been reported to the Police (Refer to point c under section What is not Covered ) Any claim reported to Asda Value Car Insurance more than five days after the Insured Incident (Refer to point d under section What is not Covered ) Duration The period of the motor insurance policy which runs concurrent with this Policy and does not exceed twelve months. (Definitions: Period of Insurance) Cancellation You have the right to cancel this contract of insurance within 14 days of receiving the Policy documents or the start of the Policy, which ever is later. If You exercise Your right to cancel during this initial period of cover, subject to no claim having been made, You will receive a full refund of any monies paid for this cover. If You do not exercise this right to cancel Your Policy, it will remain in force for the term of the Policy and You will be required to pay the Premium. If You want to cancel Your Policy after 14 days no refund will be payable. Claim Notification To make a claim please call the claims line How to Make a Complaint We do everything possible to make sure that You receive a high standard of service. If You are not satisfied with the service that You receive, You should address Your enquiry/ complaint to: The Quality Manager, Asda Value Car Insurance, MMT Centre, Aust, Bristol BS35 4BL or If the complaint is not resolved to your satisfaction, you may have the right to refer the matter to the Financial Ombudsman Service. Their contact details are: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Telephone: or or Website: page 5

6 Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if We cannot meet Our obligations. This depends on the type of business and the circumstances of the claim. For this type of insurance You are covered for 90% of the claim, without any upper limit. Further information about the compensation scheme arrangements is available at: or telephone: or Or by writing to; Financial Services Compensation Scheme, 10th floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU page 6

7 Your Hire Car Policy Terms and Conditions This is to confirm that Southern Rock Insurance Company Ltd will provide the cover described below during the Period of Insurance. Cover is subject to the terms and conditions that follow. Payment of the Hire Car Premium must be paid before cover is provided. Helphire Ltd provides the benefits under this Policy; however the contract of insurance is between Southern Rock Insurance Company Ltd and the Policyholder. Definition of Terms Whenever the following words or phrases appear, they will have the meanings as described below: Appointed Agent Albany Assistance Ltd who will act on behalf of the Underwriters in connection with the Policy and its claims administration and may monitor and record calls for Your protection and theirs. Hire Car A Group A vehicle (eg 1.0 litre car) as determined by Helphire Ltd, within the Territorial Limits Insured Incident An incident that makes the Insured Vehicle a total loss following a road traffic accident or recovered theft as decided by the motor insurer if the damage is covered under the current motor insurance policy OR, by the Third Party You are claiming against for Your losses OR, if a fault accident by a garage who is a member of the Vehicle Builders and Repairers Association (VBRA) or the Motor Vehicle Repairers Association (MVRA) or another similar recognised body. Alternatively, it is where the Insured Vehicle is stolen and it is not found. Insured Person/You/Your A full Driving Licence holder aged 18 years and over, and named on the current Certificate of Motor Insurance issued by Asda Value Car Insurance. Insured Vehicle Any motor vehicle insured through Asda Value Car Insurance that appears on a current Certificate of Motor Insurance which is registered in the name of the Policyholder, and for which a Premium has been paid for Hire Car cover. Period of Insurance The period of the motor insurance policy which runs concurrent with this Policy and does not exceed 12 months. page 7

8 Policy This Policy of insurance. Policyholder The person, firm or company who has taken out this Policy and has paid the Premium due. Premium The payment, which is required to be paid to Asda Value Car Insurance, by You for the Insured Person to obtain the benefit of this Policy. Provider Helphire Ltd. Territorial Limits Great Britain, Northern Ireland, Isle of Man and for residents of The Channel Islands. Third Party The other person(s) and/or party(s) responsible for the Insured Incident, excluding the Insured Person and/or Policyholder (as defined in this Policy). Underwriters Southern Rock Insurance Company Ltd. We/Us/Our Albany Assistance Ltd/ and/or the Underwriters. What is Covered This insurance provides for up to 14 days of continuous car hire within the Territorial Limits following an Insured Incident during the Period of Insurance and within those Territorial Limits A maximum of two claims in the Period of Insurance can be made The Hire Car must be returned to Helphire Ltd or its designated agent no later than 48 hours after payment is issued to the Policyholder based on the motor insurers total loss valuations of their claim OR no later than the 14th day of hire (whichever comes first). Extending Cover You may extend the hire by contacting Albany Assistance Ltd on who will then contact Helphire Ltd to make arrangements. A discounted rate is available to Asda Value Car Insurance customers. How to Claim Your Hire Car Following an Insured Incident You must report it immediately to Your motor insurance company (Helpline telephone number shown on Your motor policy) and to the Police if the Insured Vehicle was stolen. page 8

9 Please only call Albany Assistance Ltd on to obtain Your Hire Car. You should note that the following conditions apply in all circumstances: a. A fuel service charge is payable ensuring that the vehicle is delivered with sufficient fuel to meet Your immediate journey requirements b. When taking possession of the Hire Car, the driver will need to produce their full current Driving Licence and personal identification, e.g. phone bill c. You must have valid motor insurance through Asda Value Car Insurance to take advantage of this cover d. Hire Cars are provided in accordance with Helphire Ltd or its agent s standard requirements, terms and conditions which all drivers must meet e. A Hire Car will only be provided once Albany Assistance Ltd get confirmation from the Insured Person s motor insurance company OR the Third Party Or (at Your expense) faxed confirmation from a garage who are a member of the VBRA, MVRA or a similar recognised body, that the Insured Vehicle is a total loss. The Hire Car will not be provided until this information is received f. If the Insured Vehicle has suffered theft damage or has been stolen You must supply a Police crime reference number before a Hire Car can be provided g. The Insured Person may have to provide comprehensive insurance for the Hire Car We must draw Your attention to the additional terms and conditions of Helphire Ltd, which are held by Asda Value Car Insurance, and can be viewed on request. They may affect the provision of the Hire Car. What is not Covered The following are not covered under this insurance: a. All fuel, fares, fines and fees relating to the Hire Car whilst in Your possession b. Any claim where the Insured Vehicle was being used for hire or reward c. Any claim for theft which has not been reported to the Police d. Any claim reported to Asda Value Car Insurance more than five days after the Insured Incident e. Any claim where Your motor insurers do not provide indemnity under the terms of the underlying motor policy f. Any further hire charges incurred after 14 days, or more than 48 hours after payment is issued under the terms of the underlying motor policy for a total loss or unrecovered theft, whichever comes first g. Act of God, attempted theft, fire, malicious damage or vandalism h. Any claim for a Hire Car more than five days after the Insured Vehicle has been determined a total loss i. Sea transit charges in the delivery and collection of the Hire Car j. Any claim arising out of a deliberate or criminal act or omission, which is found to the Provider s satisfaction to be of a fraudulent or false nature. The Insured Person will be held responsible for any costs paid or incurred as a result. k. Any excess payable in the event of a claim involving the Hire Car. l. Any Insured Incident, which took place prior to the commencement of this Policy. page 9

10 Notice to the Policyholder/ Insured Person Subrogated Rights a. The Insured Person must take all reasonable steps to mitigate the costs of the claim b. The Insured Person must pay to the Underwriters any sums by way of costs, charges or fees directly recovered from the Third Party to the extent of the sums indemnified under this Policy c. The Insured Person must take all action possible to recover costs, charges or fees the Underwriters may have paid or be liable to pay and pay any such amounts recovered to the Underwriters d. Upon conclusion of the hire of a replacement car the Underwriters can take over and if necessary conduct proceedings in the name of the Insured Person to recover the hire costs of the Hire Car from the Third Party This insurance shall be subject to English Law, unless specifically agreed to the contrary. All communication is to be conducted in English. Cancellation Rights You may cancel Your Policy within 14 days of receipt of the Policy document and receive a full refund, subject to no claim being made upon the Policy. After this 14-day period, You can cancel the Policy at any time, subject to no claim having been made, by contacting Asda Value Car Insurance. No refunds will be given. If You do not exercise Your rights to cancel the Policy, it will continue in force for the term of the Policy and You will be required to pay the Premium. How to Make a Complaint Complaints should be made to, The Quality Manager, Asda Value Car Insurance, MMT Centre, Aust, Bristol BS35 4BL or If the complaint is not resolved to your satisfaction, you may have the right to refer the matter to the Financial Ombudsman Service. Their contact details are: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, Telephone: or or Website: Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if We cannot meet Our obligations. This depends on the type of business and the circumstances of the claim. For this type of insurance You are covered for 90% of the claim, without any upper limit. page 10

11 Further information about the compensation scheme arrangements is available at or telephone: or Or by writing to; Financial Services Compensation Scheme, 10th floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU Whole Agreement This policy is underwritten by Southern Rock Insurance Company Ltd), Suite 2B, Eurolife Building, 1 Corral Road, Gibraltar> Southern Rock Insurance Company Ltd is based in Gibraltar and are authorised and regulated by the Financial Services Commission (FSC Regulations No The policy is administered by Albany Assistance Ltd which is authorised and regulated by the Financial Conduct Authority (FCA Registration: ), Redmond House, Fern Court, Bracken Hill Business Park, Peterlee, County Durham SR8 2RR. Vehicles will be supplied by either Helphire Ltd or a supplier of Helphire Ltd. 3739AVALC page 11

12 Contact Information Customer Services: Motor Claim: Windscreen Claims: Breakdown: Motorbike Insurance Lines open Mon-Fri 9am-7pm, Sat 9am-4pm Van Insurance Home Insurance Lines open 8am to 8pm Mon-Fri, 9am to 5pm Sat, 10am to 4pm Sun. Lines open 8am to 8pm Mon-Fri, 9am to 5pm Sat, 10am to 4pm Sun. Advised Life Cover Over 50 s Life Cover Travel Insurance Lines open 8am to 8pm Mon-Fri, 9am to 6pm Sat. For text phone please dial first. Lines open 8am to 8pm Mon-Fri, 8.30am to 7.30pm Sat, 10am to 6pm Sun. Lines open 9am to 8pm Mon-Fri, 9am to 6pm Sat. Travel Money Lines open 8am to 10pm Mon-Fri, 10am to 8pm Sat, Sun & Bank Holidays. Energy Compare & Save Asda Money Credit Card Lines open 9am to 8pm Mon-Fri, 9am to 5pm Sat-Sun. Lines open 8.30am to 9pm Mon-Fri, 8.30am to 7.30pm Sat, 10am to 6pm Sun. Pet Insurance Lines open 8am to 8pm Mon-Fri, 9am to 5pm Sat.

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