Document of car Insurance. Keep me somewhere safe. car Insurance

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1 Documet of car Isurace Keep me somewhere safe car Isurace

2 Welcome to lv= frizzell Thak you for choosig to purchase a LV= Frizzell Isurace policy. Your LV= Frizzell policy is uderwritte by Liverpool Victoria Isurace Compay Ltd. 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 beefi t of its members. We have o shareholders takig a share of our profi ts. Istead we ivest our profi ts 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 diffi cult circumstaces. We are able to provide literature ad commuicatios i the followig alterative formats: Braille, large prit ad audiotape. Should you require this documet i ay of these formats, please cotact us. If you would like to lear more about LV= Frizzell please visit our website at: Joh o roarke Maagig Director Geeral Isurace Liverpool Victoria Isurace Compay Limited Documet of Isurace car 1

3 Cotets Page Welcome to LV= Frizzell 1 Useful iformatio 3 Your car isurace policy 3 Defiitios 4 Territorial limits ad Europea Uio (EU) compulsory isurace 5 Car sharig 5 Sectio 1 Accidetal damage 6 Sectio 2 Fire ad theft 6 What is ot covered uder Sectios 1 ad 2 8 Basis of settlemet Sectios 1 ad 2 8 Sectio 3 Liability to other people 10 Sectio 4 Use by the motor trade, hotels ad car parks 12 Sectio 5 Foreig use 12 Sectio 6 Persoal accidet beefits 13 Sectio 7 Medical expeses ad Physical assault beefits 14 Sectio 8 Persoal belogigs 15 Sectio 9 No claim discout 16 Sectio 10 Geeral exceptios 17 Sectio 11 Geeral coditios 19 2 Documet of Isurace car

4 useful iformatio To make a claim (24 hours a day, 365 days a year) Follow these simple steps: 1. Check you are covered by lookig at this booklet ad your schedule. 2. Call us as soo after the icidet as possible please have your policy details ad iformatio about the claim ready whe you call. 3. Speak to us before you make ay arragemets for replacemet or repair. 4. Do t forget to tell the Police whe your car is stole or maliciously damaged. Your car isurace policy You should read this documet of car isurace, the schedule, the certificate of motor isurace ad the importat iformatio leaflet as oe cotract. It is our agreemet with you, based o the iformatio you give to us ad o the iformatio i your proposal or statemet of facts. I retur for your premium we will give you isurace for liability, loss or damage which happes durig the period of isurace stated o your schedule ad certificate of motor isurace. This will be i lie with the sectios of this documet of car isurace, which are show as operative o your schedule. Documet of Isurace car 3

5 Defiitios Certificate of proof that you have motor isurace as required by law. motor isurace Documet of this booklet. Car Isurace Drivig Gree card Market value Mai driver Parter Schedule icludes beig i charge of a motor vehicle for the purpose of drivig it. the Iteratioal Motor Isurace Card. This is the documet that some coutries eed as proof of compulsory isurace. The policyholder meas the isured. the cost of replacig your car with oe of the same make, model ad specificatio, takig ito accout the age, mileage ad coditio of your car, ad ot the price you paid for it. the perso who drives your car most of the time whether for social purposes or for travel to ad from a place of busiess, duty or study. your husbad, wife, civil parter or someoe you are livig with as if you are married to them. icludes the: period of cover; ame of the policyholder; drivers ad use; sectios of this documet of car isurace which apply; ad coditios which vary the terms of this documet of car isurace. Track days We, our, us You, your Your car drivig or use o a motor racig track, circuit, airfield, test veue, derestricted road or at a off road evet. Liverpool Victoria Isurace Compay Ltd. the perso amed as the policyholder o the schedule ad certificate of motor isurace. the isured vehicle (icludig its accessories ad spare parts). This is show o your schedule. I Sectio 3 of your documet of car isurace it also icludes a trailer, carava or brokedow motor vehicle while they are attached to your car for towig. 4 Documet of Isurace car

6 Territorial limits ad Europea Uio (EU) compulsory isurace Territorial limits Except where we say otherwise your isurace applies i Great Britai, Norther Irelad, the Republic of Irelad, the Isle of Ma ad the Chael Islads. This icludes while your car is beig trasported withi ad betwee them. Europea Uio (EU) compulsory isurace Your isurace provides the miimum compulsory isurace i: EU coutries; ad ay other coutry which follows EU directives; icludig whe your car is beig trasported. Your certificate of motor isurace is proof of compulsory motor isurace i EU coutries ad the other coutries metioed above which follow EU directives ad have bee approved by the Commissio of the EU. These coutries are show o your schedule. Car sharig Acceptig paymets from passegers as part of a car sharig arragemet will ot affect your isurace cover if: they are beig give a lift for social or similar purposes; the isured car is ot built or adapted to carry more tha eight passegers; this is ot as part of a busiess of carryig passegers; ad ay moey received does ot produce a profit. Documet of Isurace car 5

7 Sectio 1 Accidetal damage What is covered: If your car is damaged by accidet, vadalism or malicious damage, we may: pay the cost of repairs to your car; replace what is lost or damaged; or make a paymet for ot more tha the market value of your car at the time of the damage. Sectio 2 Fire ad theft What is covered: If your car is lost or damaged by fire, lightig, explosio, theft or attempted theft, we may: pay the cost of repairs to your car; replace what is lost or damaged; or make a paymet for ot more tha the market value of your car at the time of the loss or damage. What is ot covered uder Sectios 1 ad 2 We will ot pay for the followig: Wear ad tear, your car losig value, or for ay repairs which improve your car beyod its coditio before the loss or damage happeed. Mechaical, electrical, electroic or computer failures or breakdows or breakages. Damage to tyres caused by brakig, puctures, cuts or bursts. More tha the maufacturer s latest list price i the Uited Kigdom of ay part or accessory. If such a list price is ot available the most we will pay is the maufacturer s latest list price i the Uited Kigdom for a equivalet part or accessory. Additioal storage costs caused by the uavailability of ay part or accessory or the cost of importig ay part or accessory ito the Uited Kigdom. 6 Documet of Isurace car

8 What is ot covered uder Sectios 1 ad 2 cotiued Loss or damage to your car caused directly by pressure waves from aircraft ad other aerial devices travellig at soic or supersoic speeds. Loss of use of your car or ay other idirect loss. Loss of or damage to your car by theft or attempted theft if your car has bee left ulocked, left with the keys i it or left with a widow or roof ope. Loss of or damage to your car caused by deceptio, fraud or trickery, icludig whe you are offerig your car for sale. Where your car is drive or used without your permissio by a member of your family or household uless you report the perso to the Police for takig your car without your coset. Loss of or damage to your car as a result of it beig cofiscated or destroyed by or uder official order of ay govermet, public or local authority. Deliberate damage caused to your car by ay perso isured uder your policy. Loss from your car beig take ad retured to its rightful ower. Loss of or damage to ay trailer or carava whether or ot it is beig towed by or attached to your car. Documet of Isurace car 7

9 Basis of settlemet Sectios 1 ad 2 If your car belogs to someoe else, or is uder a hire purchase or leasig agreemet, we may pay the legal ower. Repairs If this isurace covers the loss or damage ad the cost will ot exceed the market value of your car: you may arrage for reasoable ad ecessary repairs to be started if you sed a estimate first ad we have details of the cause of the damage; ad we will also pay the reasoable cost of removig your car to the earest competet repairer ad after repair returig it to the address show o your schedule. We may use parts or accessories, which are ot made or supplied by your car s maufacturer but are of similar type ad quality to the parts ad accessories we are replacig. New car replacemet If this isurace covers the loss or damage, ad withi oe year of registratio as ew i your ame your car is: damaged so that repairs will cost more tha 50% of its list price plus taxes whe the damage happeed; or stole ad ot recovered; we will replace your car with a ew car of the same make, model ad specificatio if it is available i the Uited Kigdom. If oe is ot available, we will pay you the price you paid for your car ad its fitted accessories ad spare parts or the curret maufacturer s list price (icludig taxes) whichever is less. The lost or damaged car will the become our property. I-car etertaimet, telephoe ad satellite avigatio equipmet We will pay for the loss or damage to i-car etertaimet, telephoe ad satellite avigatio equipmet if permaetly fitted to your car. If the equipmet is of o-stadard fit we will pay up to 500 as log as portable or readily removable systems are kept out of sight i the locked boot or glove compartmet at the time of a theft claim. 8 Documet of Isurace car

10 Basis of settlemet Sectios 1 ad 2 cotiued Replacemet of locks ad keys If this isurace covers the loss or damage, we will pay for all the locks to be replaced if oe or more is damaged. If your car keys are lost or stole we will pay for replacemet locks ad keys providig they were ot left i or o your car while it was uatteded. Child car seats If you have a child car seat i your car ad your car is ivolved i a accidet that results i impact damage to your car, we will replace the child seat with a ew oe of the same quality. Excesses that apply If your schedule shows that you have to pay a excess, you must pay the first part of ay claim. Temporary replacemet car We will pay for a temporary replacemet car oly if this cover is show o your schedule. After loss or damage covered by this isurace, if we maage your claim we will supply ad pay for a temporary replacemet car: while the repairs to your car are beig carried out if you use our Selected Repairer Service; or for up to 14 days or util 4 days after paymet has bee issued to you whichever is sooest, if your car is beyod cost effective repair ad caot be drive safely, or is stole ad ot recovered. Temporary replacemet cars are usually small hatchbacks uder 1200cc. If a larger car is required the you will be resposible for the additioal hire cost. We will isure the temporary replacemet car uder this isurace i exactly the same way as we isure your car ad you will oly have to pay for the fuel used. You must retur the temporary replacemet car whe the ower or we ask you to or if this isurace expires ad you do ot reew it. Documet of Isurace car 9

11 Sectio 3 Liability to other people What is covered We will pay all sums you are legally resposible for: followig death of or bodily ijury to other people; ad up to 20,000,000 for damage to their property; as a result of ay accidet ivolvig your car or ay other vehicle your certificate of motor isurace allows you to drive. If your certificate of motor isurace says so, you the policyholder, are isured uder this sectio to drive a private motor car ot owed by you ad ot hired to you uder a hire purchase or leasig agreemet, as log as: the car has ot bee hired to you uder a car retal agreemet; the car is ot a va which has bee adapted to carry passegers; you have the ower s permissio to drive the car; the car is registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; you are ot covered by ay other isurace to drive it; ad you still have your car ad it has ot bee damaged beyod cost effective repair. Other People I the same way as you are isured, we will isure: ay perso drivig or usig your car with your permissio, as log as this is allowed by your schedule ad certificate of motor isurace; ay passeger travellig i or gettig ito or out of your car; the employer or busiess parter of ay perso who is drivig or usig your car for their busiess, as log as this is allowed by your schedule ad certificate of motor isurace; ad the legal represetative of ay perso who has died who would have bee etitled to protectio uder this sectio. 10 Documet of Isurace car

12 Sectio 3 Liability to other people Cotiued Legal costs We will pay ay legal costs ad expeses that you have icurred with our writte coset, icludig: solicitors fees for represetatio at a coroer s iquest, fatal accidet iquiry or court of summary jurisdictio; ad defece of ay legal proceedigs that are take for maslaughter or causig death by dagerous or reckless drivig. Emergecy treatmet charges We will pay for emergecy treatmet charges as required uder the Road Traffic Acts. If this is the oly paymet we make, it will ot affect your o claim discout etitlemet. What is ot covered We will ot pay for: the death of or bodily ijury to ay employee arisig out of or i the course of their employmet by ay perso who is covered by this sectio, uless the employee is a passeger i ay vehicle for which isurace is provided by this sectio; legal resposibility which is covered by ay other isurace; loss of or damage to ay car which is covered by this sectio; loss of or damage to ay trailer, carava or vehicle (ad their cotets) while beig towed by or attached to ay car which is covered by this sectio; the loss of or damage to ay property which belogs to or is i the care of ay perso who is claimig uder this sectio; legal resposibility, loss or damage whe your car is beig used i the operatioal boudaries of ay airport or airfield except whe we have to meet the requiremets of the Road Traffic Acts; more tha 20,000,000 for ay oe icidet or series of icidets arisig from oe evet that causes loss or damage to property. This amout is iclusive of all costs ad expeses up to 5,000,000. Documet of Isurace car 11

13 Sectio 4 Use by the motor trade, hotels ad car parks We will give you the cover uder Sectio 1 Accidetal damage ad Sectio 2 Fire ad theft if show as operative o your schedule, but will ot apply ay drivig ad use restrictios or ay excess while your car is i the custody ad cotrol of: a member of the motor trade for service ad repair; or a hotel, restaurat, car park or similar commercial orgaisatio for parkig purposes. Sectio 5 Foreig use Europea Uio (EU) coutries The cover uder this Sectio applies oly if it is show o your schedule. The full beefits of this isurace apply i EU coutries ad ay other coutry that follows EU directives icludig whe your car is beig trasported, if your car is: registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; ad ot kept abroad for more tha 180 days i a row. Your certificate of motor isurace is proof of compulsory motor isurace i these coutries show o your schedule. Use i other foreig coutries If you wat to use your car i coutries ot listed o your schedule the as log as we give you our permissio, ad you pay ay extra premiums, we will exted the full beefits of this isurace to apply: i the coutries we have agreed, icludig whe your car is beig trasported; ad for the period agreed. We will sed you a gree card as proof of your isurace. If your car is lost or damaged i ay foreig coutry that we have agreed to give cover for, you may be charged customs duty. If we cover the loss of or damage to your car, we will also refud you the customs duty. 12 Documet of Isurace car

14 Sectio 6 Persoal accidet beefits What is covered We will pay the amout show o your schedule if you or your parter are accidetally ijured i ay car or gettig ito or out of ay car, ad withi 90 days, idepedetly of ay other cause, if the ijury results i: death; permaet loss of ay limb above the wrist or akle; or the complete ad irrecoverable loss of sight i oe or both eyes. We will pay the ijured perso or their legal represetative. What is ot covered We will ot pay: more tha the amout show o your schedule durig ay oe period of isurace for ay oe perso; uder more tha oe motor isurace you or your parter have with us; for ay ijury or death resultig from suicide or attempted suicide; or if the driver of the car is covicted of a alcohol or drugs related offece as a result of the accidet. Documet of Isurace car 13

15 Sectio 7 Medical expeses ad Physical assault beefits Medical expeses We will pay up to 250 for each perso for ay medical expeses resultig from a accidet while travellig i your car. Physical assault beefits Road rage We will pay 500 if you or your parter are physically assaulted as a result of your car beig i a accidet. We will pay the ijured perso or their legal represetative. What is ot covered We will ot pay whe the icidet: is caused by a relative or a perso kow to you or your parter; is ot reported to the Police as soo as possible; happes outside Great Britai, Norther Irelad, the Republic of Irelad, the Isle of Ma or the Chael Islads; or is caused or cotributed to, by aythig said or doe by you or your parter or by a passeger i your car, after the accidet. Car jackig We will pay 500 if you or your parter are physically assaulted as a result of your car beig subjected to a theft or attempted theft. We will pay the ijured perso or their legal represetative. What is ot covered We will ot pay whe the icidet: is caused by a relative or a perso kow to you or your parter; is ot reported to the Police as soo as possible; or happes outside Great Britai, Norther Irelad, the Republic of Irelad, the Isle of Ma or the Chael Islads. 14 Documet of Isurace car

16 Sectio 8 Persoal belogigs What is covered We will pay up to 200 for persoal belogigs i your car if lost or damaged due to accidet, fire, theft or attempted theft. What is ot covered We will ot pay for: the theft or attempted theft of persoal belogigs if your car has bee left ulocked, left with the keys i it or left with a widow or roof ope; the theft of persoal belogigs uless kept out of sight i the locked boot or glove compartmet of your car; moey, stamps, tickets, documets or securities; goods, tools, samples or equipmet carried i coectio with ay trade or busiess; or property covered uder ay other isurace. Documet of Isurace car 15

17 Sectio 9 No claim discout If you have a o claim discout, we will apply a premium discout i lie with our o claim discout scale which is curret at the time of acceptace. If a fault claim is made ad your o claim discout etitlemet is ot protected or guarateed, it will be reduced i lie with our o claim discout scale. Your o claim discout will ot be affected if we oly pay emergecy treatmet charges uder the Road Traffic Acts. You caot trasfer your o claim discout to ayoe else. If more tha oe car is isured, the o claim discout is eared separately for each car. For a extra premium, you may choose to protect or guaratee your o claim discout whe at least four years discout have bee eared. If you have chose to protect or guaratee your o claim discout, this is show o your schedule. Protected o claim discout If your o claim discout is protected, it will ot be affected at reewal provided ot more tha 2 claims have bee made i the past 5 years. 3 or more fault claims will result i your o claim discout beig reduced i lie with our o claim discout scale. Guarateed o claim discout If your o claim discout is guarateed, it will ot be affected irrespective of the umber of claims made. Proof of o claim discout etitlemet You should keep your proof of o claim discout from your previous isurer as we may ask you to provide this at ay time or i the evet of a claim. If we require proof of your o claim discout we will ask you for it. 16 Documet of Isurace car

18 Sectio 10 Geeral exceptios 1 Chage of car otificatio ad acceptace This isurace will ot apply uless: you have give us details of your replacemet car; ad we have issued a ew certificate of motor isurace. 2 Drivig ad use This isurace will ot apply if ay vehicle your schedule allows you to drive was beig drive or used: other tha i lie with your schedule; by ay perso ot described o your schedule as a perso who is etitled to drive; by ay perso who is disqualified from holdig or applyig for a licece or does ot have a drivig licece which is valid i the territory where the claim happeed; by ay perso who is breakig the coditios of their drivig licece; for hire or reward, racig, pace makig, testig, speed trials, track days or for competig i Natioal British A or Iteratioal rallies or for ay use i coectio with the Motor Trade other tha by a member of the Motor Trade for the purposes of overhaul, upkeep or repair; for towig for reward a carava, trailer or mechaically disabled vehicle; for towig more tha oe carava, trailer or mechaically disabled vehicle at ay oe time. 3 Cotractual liability We will ot make a paymet for ay liability resultig oly from a cotract or agreemet you have with aother party. Documet of Isurace car 17

19 Sectio 10 Geeral exceptios cotiued 4 Radioactivity We will ot pay for direct or idirect loss, damage or liability caused by, cotributed to or arisig from: ioisig radiatios or cotamiatio by radioactivity from ay uclear fuel or from ay uclear waste from the combustio of uclear fuel; or the radioactive, toxic, explosive or other hazardous properties of ay explosive, uclear assembly or uclear compoet of this type of assembly. 5 War, terrorism, riot, civil urest We will ot make a paymet i the evet of: war, civil war, terrorism, rebellio or revolutio except whe we have to meet the requiremets of the Road Traffic Acts; or riot or civil urest that happes outside Eglad, Scotlad, Wales, the Isle of Ma or the Chael Islads. 6. Fraud, misrepresetatio We will ot make a paymet if: you mislead us i ay way, icludig who is the mai driver of your car, i order to get isurace from us, obtai more favourable terms or to reduce your premium; ay claim or part of ay claim is fraudulet, false or exaggerated. All cover uder this isurace will be cacelled from the date of the fraud or misrepresetatio ad ay premium paid will be forfeit. If we have made a paymet we would ot otherwise have made you will be required to repay that amout to us. 18 Documet of Isurace car

20 Sectio 11 Geeral coditios 1. Duty ad revealig iformatio We will oly provide cover uder this isurace if: you or ay other perso claimig uder this isurace has met all the terms ad coditios that apply; ad the iformatio you gave to us whe applyig for or reewig this isurace, is true as far as you kow. You must: have asked all the other drivers covered by this isurace ay relevat questios to obtai the iformatio about them requested by us; tell us as soo as possible about ay chages, icludig a chage to mai driver of your car, which have happeed sice the isurace started or was last reewed. Failure to do so may ivalidate this isurace. We will be etitled to examie your drivig licece ad the drivig licece of ay other perso we isure. You must immediately sed to us ay drivig licece we ask to see. 2 Care of your car You or ay perso i charge of your car must take reasoable precautios to: maitai your car i a efficiet ad roadworthy coditio; ad protect your car from damage or loss. You must have a valid: Departmet for Trasport Test Certificate (MOT) for your car if oe is eeded by law; ad Vehicle tax disc uless your car has bee declared off the road i accordace with the statutory off road otificatio (SORN). You must give us reasoable access to examie your car ad sed us evidece of a valid MOT ad vehicle tax disc that we ask to see. Documet of Isurace car 19

21 Sectio 11 Geeral coditios cotiued 3 Accidet ad claims procedure You or ay other perso claimig uder this isurace must: give us full details of ay icidet as soo as possible ad at least withi 24 hours; iform the Police as soo as possible ad at least withi 24 hours if your car or its cotets are stole ad provide us with the crime referece umber; sed to us immediately all commuicatios from other people ivolved which must ot have bee replied to; immediately tell us of ad sed to us ay otice of iteded prosecutio, iquest, fatal iquiry or ay writ, summos or process which must ot have bee replied to; ad give us all the iformatio ad help we eed. You must ot, without our coset: egotiate or admit resposibility; or make ay offer, promise or paymet. We will be etitled to: have total cotrol to coduct, defed ad settle ay claim; ad take proceedigs, i your ame or i the ame of ay other perso claimig uder this isurace, at our ow expese ad for our ow beefit to recover ay paymet we have made. 4 Other isuraces If ay loss, damage or liability covered by this isurace is also covered by ay other isurace, we will oly pay our share. This coditio does ot apply to Sectio 6 Persoal accidet beefits. 5 Compulsory isurace laws If uder the law of ay coutry we must make a paymet which we would ot otherwise have to make, you must repay that amout to us. 20 Documet of Isurace car

22 Sectio 11 Geeral coditios cotiued 6 Cacellatio We may cacel this isurace: from the commecemet date if you do ot pay your premium. You must retur the certificate of motor isurace to us; if we write to you givig you 7 days otice, at your last address kow to us. The isurace will ed immediately the 7 days otice rus out ad you must the retur the certificate of motor isurace to us. We will refud the part of your premium that applies to the remaiig period of isurace whe we receive the certificate of motor isurace. You may cacel this isurace if you retur your certificate of motor isurace to us. Whe we receive your certificate of motor isurace, if you have ot made a claim, you will be etitled to a refud of the premium paid less a deductio for the days that you have bee covered. This deductio will be calculated o a proportioate basis ad will iclude a additioal cacellatio charge to cover our costs. These charges will be subject to Isurace Premium Tax where applicable. If a claim has bee paid, we will cacel your cover but ot refud ay premium. If you are payig by istalmets, you must still pay us the balace of the full aual premium. Details of our charges are show o your schedule uder the headig Charges that apply. 7. Premium paymet by istalmets If you agree to pay your premium by mothly istalmets via Direct Debit or a similar arragemet you must pay ay deposit we ask for ad make sure your istalmet paymets are kept up to date. If you do ot pay your deposit we may cacel this isurace from the commecemet date ad you must retur the certificate of motor isurace to us. If you pay your deposit but we do ot receive a istalmet paymet o or before the date it is due, we may give you 7 days otice of cacellatio i writig at your last address kow to us. The isurace will ed immediately the 7 days otice rus out ad you must the retur the certificate of motor isurace to us. Documet of Isurace car 21

23 Sectio 11 Geeral coditios cotiued 8. Chages to your policy ad requests for documets We will make a charge to cover our admiistrative costs if you: Request a chage of vehicle or a chage of driver. Request a duplicate Certificate of motor isurace, Documet of isurace, or ay other writte cofirmatio of cover. If there is a chage of vehicle or a chage of driver, the admiistratio charge will be added to ay premium due or deducted from ay refud due i respect of the amedmet to your isurace. These charges will be subject to Isurace Premium Tax where applicable. We will ot make a admiistratio charge i respect of this isurace if it has bee i force for at least 2 years. Details of our charges are show o your schedule uder the headig Charges that apply. 22 Documet of Isurace car

24 cotact us... customer services (Mo to Fri 8am - 9pm, Sat 8am - 5pm ad Su 9am - 5pm) claims (24 hours a day, 365 days a year) for textphoe first dial to help cotiually improve customer service, calls may be moitored ad/or recorded. frizzell.co.uk LV= ad Frizzell are registered trade marks of Liverpool Victoria Friedly Society Limited ad LV= ad Frizzell is a tradig style of the Liverpool Victoria Group of compaies. Liverpool Victoria Isurace Compay, registered i Eglad ad Wales No is authorised ad regulated by the Fiacial Services Authority, register No Registered address: Couty Gates, Bouremouth BH1 2NF. Tel: LVAFCAR /09