Motor Legal Protection Policy Summary

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1 Motor Legal Protection Policy Summary This summary is designed to provide an overview of Motor Legal Protection. The full terms and conditions of this insurance contract can be found in the policy booklet. Please obtain this from Police Mutual.

2 Let s make it happen with Motor Legal Protection Being in the driving seat with Motor Legal Protection, you can maintain control and stay at ease. This policy provides you with legal expenses insurance should you be involved in an accident which is not your fault, be prosecuted for a driving offence (some offences such as parking infringements and drink driving are excluded), or have a contractual dispute about the servicing, maintenance, purchase or sale of your vehicle or its parts and accessories. Take out cover today This policy pays your legal costs to claim back losses which are not covered by your car insurance policy from someone who has caused an accident that results in damage to your vehicle or injury. This policy will not pay compensation. We, or an expert appointed by us, will seek to: claim back your car insurance excess obtain compensation from the person responsible if you or your passengers have been injured arrange a replacement vehicle while yours is being repaired claim back other losses such as storage charges, loss of earnings or damage to personal effects. Motor insurers usually allow you to keep your no claims discount if you are able to claim back these losses. Cover is also available to pay legal costs that we have agreed to if you are prosecuted for a driving offence (some offences such as parking infringements and drink driving are excluded) a contractual dispute arises from an agreement you have entered into for the servicing, maintenance, purchase or sale of your vehicle or its parts and accessories. Assistance when you need it, take advantage of: Legal advice helpline open 24/7, 365 days a year, providing advice on personal legal matters within EU law or personal tax matters falling within UK law. Tax telephone helpline open 9am to 5pm on weekdays (excluding bank holidays). Access to an online service for the downloading of over 170 consumer legal documents, many of which are free. Help finding the right solicitor, even if the matter is not covered by this policy. 2

3 The following table tells you about the main features and limitations of your policy Significant features & benefits The insurer will pay the insured person s legal costs & expenses including the cost of appeals for claims reported during the period of insurance. This policy will help the insured person if an event damages the insured vehicle and/or personal property in or on it, and/or injures the insured person whilst in or on an insured vehicle you are prosecuted for a motoring offence a contractual dispute arises from an agreement you have entered into for the maintenance, purchase or sale of your vehicle or its parts and accessories. Significant exceptions or limitations The claim is always more likely than not to be successful and is reported to us during the period of insurance and as soon as possible. The insured person always agrees to use the appointed advisor chosen by us, before the issue of proceedings or in any claim under the small claims court unless there is a conflict of interest. Another party must be at fault. Parking offences. Owning or driving a vehicle while uninsured or driving without a valid driving licence. Legal defence costs which are covered by your Police Federation. An amount below 100. A settlement under your car insurance policy. A dispute between your family members. Where found in the policy B. How this policy helps (page 6) A. When this policy helps A. What is not covered 3

4 Significant features & benefits Legal & Tax Advice Access by phone to legal and tax experts 24 hours a day for EU wide legal advice and UK tax law. ARAG Consumer Legal Services Visit our Consumer Legal services website at and register using your voucher code to download legal documents that can assist you with day-today legal issues. You can access our online law guide. Many documents offer legal review services. Significant exceptions or limitations Documents are restricted to consumer legal matters. Some documents can only be used in England & Wales. Many documents are free while others attract a modest fee. Legal review services are subject to a fee. Territorial limit Period of insurance As shown on the schedule usually 12 months. Limit of indemnity 100,000 for uninsured loss recovery and personal injury claims 50,000 for motor prosecution defence and motor contract disputes. Where found in the policy Legal and tax advice (page 1) Consumer Legal Services (page 1) Definitions (Page 4) C. How much this policy pays 4

5 Claims procedure 1. Do not instruct your own lawyer if you are claiming under this policy as we will not pay any costs incurred without our agreement. 2. If you have an accident which is not your fault please telephone Lines are open 24 hours a day 365 days a year. We will require details of the accident and names and addresses of all parties including any witnesses If the advisor believes the accident is not your fault, we will arrange for a legal expert to contact you who will help claim back your losses and obtain compensation for any injuries. You will then be contacted to assess your need and suitability for a replacement vehicle. Ensure no contact is made with anyone else regarding claiming back your losses or compensation for personal injury until you hear from us. 3. To report a motor prosecution defence or motor contract dispute claim please call us on to request a claim form or down load one at (For our mutual protection and training purposes calls may be recorded. Please have your policy schedule to hand. Within five working days of receiving all the information needed to assess the availability of cover under the policy we will write to you either confirming the appointment of a suitably qualified representative who will promptly progress the claim for you; or if the claim is not covered, we will explain why and whether we can assist in another way. About us and your insurer ARAG plc is authorised to administer this insurance on behalf of the insurer Brit Syndicate 2987 at Lloyd s (written under unique market reference B0356KA233D12A000 or replacement thereof). What happens if the insurer cannot meet its liabilities? Brit insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation up to 90% of the cost of your claim, in the unlikely event that the insurer cannot meet its obligations. Further information about compensation scheme arrangements is available from the FSCS. 5

6 Complaints procedure Step 1 ARAG is committed to providing a first class service at all times. However, if a complaint arises, this should be addressed to our Customer Relations Department who will arrange to have it reviewed at the appropriate level. We can be reached in the following ways: (Open 9am 5pm, Monday to Friday excluding bank holidays. For our mutual protection and our training purposes, calls may be recorded) ARAG plc, 9 Whiteladies Road, Clifton, Bristol BS8 1NN Step 2 Should you remain dissatisfied you may be entitled to pursue your complaint further with Lloyd s. They can be reached in the following ways: , Fax: Policyholder & Market Assistance, Market Services, Lloyd s, One Lime Street, London EC3M 7HA Step 3 If Lloyd s is not able to resolve the complaint to your satisfaction you may refer it to the Financial Ombudsman Service (FOS) provided that it falls within their jurisdiction. They can be contacted at: or Financial Ombudsman service, Exchange Tower, London E14 9SR PMGI Limited, trading as Police Mutual, is authorised and regulated by the Financial Conduct Authority. Registered in England & Wales No Registered office Alexandra House, Queen Street, Lichfield, Staffordshire WS13 6QS. Calls are recorded and may be monitored. ARAG plc registered in England number Registered address: 9 Whiteladies Road, Clifton, Bristol BS8 1NN. ARAG is authorised and regulated by the Financial Conduct Authority firm registration number ARAG plc is authorised to administer this insurance on behalf of the insurer Brit Syndicate 2987 at Lloyd s (written under unique market reference B0356KA233D12A000 or replacement thereof). ARAG plc and Brit Syndicate 2987 at Lloyd s are covered by the Financial Ombudsman Service. Brit Syndicates Limited, the managing agent for Brit Syndicate 2987 at Lloyd s, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. This can be checked by visiting the FCA website at or by contacting the FCA on MLSPOSPM.09-14BL

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