Document of Fleet Insurance

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1 FLEET INSURANCE

2 Documet of Fleet Isurace

3 Cotets Welcome to LV= 2 Cotract of Motor Isurace 3 Policy Cover 4 Policy Defiitio of Terms 5 Sectios 1 Liability to Others: Third Party Cover 8 2 Fire ad Theft 11 3 Accidetal Damage 12 4 Widscree ad Widows 13 5 Lock Replacemet 13 6 Medical Expeses 14 7 Foreig Use 14 8 Persoal Belogigs 15 9 Trailers Uauthorised Movemet of Obstructig Vehicles Uauthorised Use Pricipals Idemity Child Seat Cover Vehicles Laid Up ad Out of Use Ulicesed Drivers Car Sharig Persoal Accidet Cover Legal Expeses 19 Claims Hadlig 23 Geeral Exclusios 26 Geeral Coditios 28 Importat Iformatio 31 Emergecy Assistace Telephoe Numbers 38 Documet of Fleet Isurace 1

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

5 CONTRACT OF MOTOR INSURANCE This policy, the schedule, the certificate of motor isurace, the iformatio you gave us i the proposal form or statemet of fact ad the declaratios that you have made, form a legally bidig cotract of motor isurace betwee you ad Highway Isurace Compay Limited tradig as Highway Isurace. This cotract of motor isurace is a cotract persoal to you ad you caot trasfer it to ayoe else. We agree to isure you uder the terms of this cotract of motor isurace agaist ay liability, loss or damage that occurs withi the geographical limits durig the period of isurace for which you have paid, or agree to pay, the premium. You must read this policy, the schedule ad the certificate of motor isurace together as oe documet. The schedule tells you which sectios of the policy apply ad idetifies ay applicable edorsemets. Please check all three documets carefully to make sure that they give you the cover you wat ad that you comply with all the relevat terms ad coditios, icludig ay edorsemets. It is ot iteded that the Cotracts (Rights of Third Parties) Act 1999 should cofer ay additioal rights uder this policy i favour of ay third party. Uless we agree with you to apply the laws of aother coutry, Eglish law will apply to this cotract (uless you live i Guersey or Jersey, where Guersey or Jersey law will apply). All commuicatios will be i Eglish. Use This cotract of motor isurace oly covers you if you use the isured vehicle i the way described i your certificate of motor isurace (uder Limitatios as to Use ) ad ay edorsemets. Coolig-off Cacellatio Right We hope you are happy with the cover this policy provides. However, you have the right to cacel it withi 14 days of receivig the policy, without givig ay reaso. To cacel usig this coolig-off period you must retur ay certificate of motor isurace or temporary cover ote relatig to this cotract of motor isurace, alog with your cacellatio request. If you do cacel i the first 14 days usig the coolig off cacellatio coditio, we will charge you pro rata, subject to a miimum fee of 25 + Isurace Premium Tax, for the cover provided from the begiig of the cotract util the policy is cacelled, uless we are required to make a total loss paymet uder the policy, uder which circumstaces a refud of the premium is ot payable. Documet of Fleet Isurace 3

6 POLICY COVER Your Cover The curret schedule shows what you are covered for. The differet kids of cover are: Comprehesive Sectios 1 to 18. Third Party Fire ad Theft Sectios 1, 2, 5,7,9 to 12,15,16 ad 18. Third Party Oly Sectios 1,7,9 to 12,15,16 ad 18. Fire ad Theft Oly Sectio 2 oly. 4 Documet of Fleet Isurace

7 POLICY DEFINITION OF TERMS Defiitios The followig words or phrases have the same meaig wherever they appear ad are show i bold throughout this policy. Certificate of Motor Isurace Legal evidece of your isurace. It is oe part of the cotract of motor isurace. It shows the vehicles we are isurig, who may drive the isured vehicle (where ay authorised driver is stated, refer to the schedule for restrictios), what it may be used for ad the period of isurace. Commercial Vehicle Ay motor vehicle maufactured ad used for the carriage of goods. Cotract of Motor Isurace The policy, the schedule (icludig edorsemets), the certificate of motor isurace, the iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, all form the cotract of motor isurace. Employee a) ay perso uder a cotract of service or appreticeship with the Isured or b) ay of the followig persos whilst workig for the Isured i coectio with the Busiess i. ay labour master or labour oly subcotractor or perso supplied by them ii. ay self employed perso providig labour oly iii. ay traiee or perso udergoig work experiece iv. ay volutary helper v. ay perso who is hired to or borrowed by the Isured. Edorsemet Somethig which alters your isurace cover. Your cover will be affected by ay edorsemet that is show o the schedule. (Such edorsemets may add exclusios to the cover or require you to take actio such as fittig approved security.) More tha oe edorsemet may apply. If you do ot comply with ay edorsemets, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. Excess The amout you have to pay towards each claim you make uder this cotract of motor isurace. There may be more tha oe excess, part of which may be volutary (where you have chose to take a excess to receive a discout o your premium). The amout of the excess is show o the schedule. Family or Household Ay member of the Isured Driver s family, or ay other perso, who is a permaet or temporary residet at the Isured Driver s address. Geeral Coditios These describe your resposibilities, geeral iformatio ad the procedures that apply i certai situatios, such as whe there is a claim or the cotract of motor isurace is cacelled. Geeral Exclusios These describe the thigs that are ot covered by the cotract of motor isurace. They are i additio to the exclusios show uder the headigs What is ot covered i each of the Sectios detailig the cover provided. Geographical Limits Great Britai, Norther Irelad, the Isle of Ma, the Chael Islads, the Republic of Irelad, Adorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Demark, Estoia, Filad, Frace (icludig Moaco), Germay, Gibraltar, Greece, Hugary, Icelad, Italy (icludig Sa Mario ad the Vatica City), Latvia, Lithuaia, Luxembourg, Malta, the Netherlads, Norway, Polad, Portugal, Romaia, Slovakia, Sloveia, Spai, Swede, ad Switzerlad (icludig Liechtestei). Documet of Fleet Isurace 5

8 POLICY DEFINITION OF TERMS cotiued Hazardous Goods - meas those detailed i the followig regulatios: The Dagerous Substaces (Coveyace by Road i Road Takers ad Tak Cotaiers) Regulatios 1992; The Carriage of Dagerous Goods ad Use of Trasportable Pressure Equipmet Regulatios 2004; ad The Approved List of Dagerous Substaces published by the Health ad Safety Executive, or ay re-eactmet or replacemet of such regulatios ad ay other legislatio of similar itet (icludig subsequet legislatio) if applicable. Highway Isurace The tradig ame of Highway Isurace Compay Limited. Highway Isurace Compay Limited. A isurace compay, part of the Liverpool Victoria group of compaies, authorised ad regulated by the Fiacial Services Authority. Isurace Advisor the perso or compay you purchased this isurace from. Isured Driver Ay perso who is described i the certificate of motor isurace as a perso etitled to drive, providig they are ot excluded from drivig by ay edorsemet, that they hold a valid drivig licece ad are ot disqualified from drivig. Isured Vehicle The vehicle(s) show o the curret schedule ad certificate of motor isurace. Laid Up Off the road ad out of use either o a semi permaet or permaet basis. Liverpool Victoria Isurace Compay Limited tradig as LV= Part of the Liverpool Victoria group of compaies. Market Value The cost at the date of the accidet or loss of replacig the isured vehicle, if possible, with oe of a similar make, model, age, coditio ad mileage. We will usually ask a egieer to give us advice about the market value of the isured vehicle, refer to guides of vehicle values ad ay other relevat sources. I assessig the market value, you should cosider the amout that could reasoably have bee obtaied for the isured vehicle if you had sold it immediately before the accidet, loss or theft. Motorcycle Ay motorcycle, moped or motorcycle ad sidecar. Period of Isurace The legth of time covered by this cotract of motor isurace, as show o the curret schedule ad certificate of motor isurace. Policy This booklet, which sets out the details of cover ad all the terms ad coditios which apply. It is oe part of the cotract of motor isurace. Pollutio or Cotamiatio a) all Pollutio or Cotamiatio of buildigs or other structures or of water or lad or the atmosphere ad b) all ijury loss or damage directly or idirectly caused by such Pollutio or Cotamiatio All Pollutio or Cotamiatio which arises out of oe icidet shall be deemed to have occurred at the time such icidet takes place. Private Car Ay private passeger carryig motor vehicle with ot more tha eight passeger seats. Proposal Form or Statemet of Fact The documets filled i by you, or o your behalf by a isurace adviser, or someoe else, ad all other iformatio you gave ad declaratios made at the time the isurace was arraged ad o which we have relied whe agreeig to offer this cotract of motor isurace. If you do ot give us full iformatio at the start, ad tell us about chages, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. 6 Documet of Fleet Isurace

9 POLICY DEFINITION OF TERMS cotiued Schedule Forms part of the cotract of motor isurace ad cofirms details of you, the isured vehicle(s) ad the cover which applies. It is oe part of the cotract of motor isurace. Stadard Accessories Accessories made available for the vehicle by the maufacturer as optioal extras ad for which a receipt must be provided. Stadard accessories do ot iclude modificatios to the isured vehicle or ay other accessory fitted to it ot provided by the vehicle maufacturer. We, our, us Highway Isurace Compay Limited tradig as Highway Isurace. You, your The perso, compay or tradig ame (icludig subsidiary compaies) show as the isured o the schedule ad certificate of motor isurace. Documet of Fleet Isurace 7

10 SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER We will isure you agaist everythig you legally have to pay to people who claim for damages, costs ad expeses if they arise from a claim caused by a accidet while you are drivig the isured vehicle, loadig or uloadig (directly from a isured vehicle) or i charge of the isured vehicle, if you kill or ijure other people. We will also isure you for your legal liability for damage to their property (icludig ay related idirect loss) up to 5,000,000 for commercial vehicles or motorcycles ad 20,000,000 for private cars ad for costs ad expeses icurred up to 5,000,000. We will also isure you while the isured vehicle is towig a carava, trailer or broke-dow vehicle, so log as the towig is allowed by law ad the carava, trailer or broke-dow vehicle is attached properly to the isured vehicle by towig equipmet made for this purpose. Cover uder this sectio icludes liability assumed by you uder a agreemet with others for supplyig services or i coectio with access to ay premises or road owed or occupied by those providig such services. Also, if there is liability uder a agreemet to loa or hire a vehicle to you the ower of the vehicle will also be grated the cover above, as log as there is o cover uder ay other cotract of isurace. We will also provide cover uder this sectio to ay pricipal you empower provided that you would have bee etitled to cover if the claim had bee made agaist you ad the pricipal agrees to abide by all the terms ad coditios of the policy icludig the cotrol by us of all claims for which we may be liable uder this sectio. What is ot covered Loss or damage to the isured vehicle, carava, trailer or broke-dow vehicle. Ay amout above 20,000,000 for damage to other people s property (icludig ay related idirect loss) whe caused by a isured private car or 5,000,000 where caused by ay other isured vehicle ad ay amout above 5,000,000 for costs ad expeses icurred. Property or goods belogig to (or i the care of) you or your passegers or beig carried i or o ay trailer or vehicles beig towed. Death or ijury to the perso drivig or i charge of the isured vehicle or to ay perso beig carried i or o, or gettig ito or out of, or gettig oto or off a trailer or vehicle beig towed. Loss, damage or liability caused by pollutio or cotamiatio as a result of ay load seepig from a isured vehicle or ay load spillig from, or shiftig i, a isured vehicle. Legal liability whe you are towig ay carava, trailer or broke-dow vehicle for profit. Liability for death, ijury or damage whe a isured vehicle is ot o a public road ad is i the process of beig loaded or uloaded by ay perso other tha the driver or attedat of a isured vehicle. Liability for death, ijury or damage resultig from usig a isured vehicle, or of machiery attached to it, as a tool of trade. Liability for death or ijury to ay employee of the isured arisig durig the course of their employmet. Ay liability that is ot required to be covered uder the terms of the Road Traffic Act whilst you are loadig or uloadig directly from the isured vehicle. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. You are ot covered uder this policy to drive ay other vehicle. 8 Documet of Fleet Isurace

11 SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER cotiued Isurig others We will also isure the followig people uder this Sectio. Ay perso you allow to use the isured vehicle as log as your curret certificate of motor isurace says they ca ad they are ot excluded from drivig by a edorsemet show i the schedule. Ay perso (other tha the perso drivig) beig carried i, or gettig oto or off, a isured vehicle or ay perso who causes a accidet while they are travellig i, or gettig i or out of, a isured vehicle. If ayoe covered by this cotract of motor isurace dies, we will cover their legal represetative to deal with ay claims made agaist that perso s estate. What is ot covered Legal liability if your curret certificate of motor isurace does ot cover the perso usig the isured vehicle or if the perso usig the isured vehicle is excluded from drivig or holdig a valid drivig licece or usig the isured vehicle as a result of the geeral exclusios, geeral coditios ad edorsemets. Ay liability that is ot required to be covered uder the terms of the Road Traffic Act whilst ay perso is loadig or uloadig directly from the isured vehicle. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. Cotiget Liability We will also isure you for third party liability whe, without your kowledge or coset, your employee is usig a vehicle other tha your isured vehicle for your busiess. What is ot covered Ay liability if there is ay other isurace coverig the same liability. Costs of Legal Represetatio If we agree i writig first, we may pay for the followig legal fees if they arise from a claim caused by a accidet that is covered uder this cotract of motor isurace. The solicitor s fee for represetig ayoe we isure at a court of summary jurisdictio, fatal accidet equiry or coroer s iquest. The reasoable costs of legal services we arrage for defedig you agaist a charge of death by dagerous drivig. We may, at ay time, stop payig the legal costs. What is ot covered Ay costs which have ot first bee agreed i writig by us or arisig from a claim caused by a accidet which is ot covered uder this cotract of motor isurace. Ay costs where we have chose to stop paymets or arisig from a claim which is ot covered as a result of the geeral exclusios, geeral coditios ad edorsemets. Documet of Fleet Isurace 9

12 SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER cotiued CORPORATE MANSLAUGHTER The reasoable costs of legal services we arrage for defedig you agaist a charge of Corporate Maslaughter uder the Corporate Maslaughter ad Corporate Homicide Act 2007 committed or alleged to have bee committed durig the period of isurace. We will also pay prosecutio costs awarded ad the costs icurred with our writte coset i appealig agaist ay judgmet give provided that this idemity shall ot apply to the paymet of fies or pealties or the costs of remedial orders or publicity orders. What is ot covered Ay costs which have ot first bee agreed i writig by us or arisig from a claim caused by a accidet which is ot covered uder this cotract of motor isurace. Ay costs where we have chose to stop paymets or arisig from a claim which is ot covered as a result of the geeral exclusios, geeral coditios ad edorsemets. Emergecy Medical Treatmet We will pay for the Emergecy Treatmet Fees, as required by the Road Traffic Acts, after a accidet ivolvig the isured vehicle. We must, by law, provide this cover. What is ot covered Ay amout that is more tha the compulsory fee. Cross Liabilities The isured amed i the schedule ad each subsidiary compay shall be deemed third parties to oe aother i respect of claims uder this sectio of the policy. 10 Documet of Fleet Isurace

13 SECTION 2 FIRE AND THEFT We will cover you for loss or damage up to the market value of the isured vehicle at the time of the loss that is caused by fire, lightig, explosio, theft or attempted theft. This icludes stadard accessories o it. We will also pay for loss or damage to the isured vehicle s fitted i-car etertaimet, satellite avigatio ad security equipmet up to a limit of 1,000 ay oe loss. What is ot covered Ay vehicle which is ot the isured vehicle ad ay loss or damage if you do ot have cover uder this sectio. Wear ad tear, mechaical, electrical, electroic ad computer failure, breakdows or breakages. Compesatio for you ot beig able to use the isured vehicle, ay delay where we have to get ew parts or accessories or they are uavailable, or the market value of the isured vehicle reducig for ay reaso. Ay other idirect loss. Loss or damage if you have ot take reasoable care to protect the isured vehicle, (see Care of the Vehicle uder the geeral coditios), or if it has bee left ulocked or with the keys i it or attached to it, or, if havig agreed with us that a specific fittig lockig or trackig device, immobiliser or alarm must be fitted, the equipmet has ot bee set ad is ot workig wheever the vehicle is left. Loss or damage from repossessig the isured vehicle ad returig it to its rightful ower, or from ay agreemet or proposed trasactio for sellig or hirig the isured vehicle or someoe takig it by fraud, trickery or deceptio. Loss or damage arisig from the isured vehicle beig take or drive without the permissio of the isured or isured driver or hirer, by a perso who is ot a isured driver but is a member of the isured driver s or hirer s family or household, or by a employee or ex-employee of the isured or isured driver. Loss or damage resultig from usig a isured vehicle or usig machiery attached to it as a tool of trade. Loss or damage caused deliberately by you or ay perso drivig the isured vehicle with your permissio. Ay additioal damage resultig from the isured vehicle beig moved by you after a accidet, fire or theft. Ay amout above 1,000 for ay oe loss for fitted i-car etertaimet, satellite avigatio ad security equipmet. Ay storage charges uless you tell us about them ad we agree i writig to pay for them. Tools of trade, documets, samples or goods. Keys, remote cotrol or security devices (whether lost or stole) uless you have cover uder Sectio 5 Lock Replacemet. Tapes, cassettes, compact ad mii discs, Citizes-Bad radios, phoes or phoe equipmet. Ay loss or damage up to the amout of the excess that appears o your schedule. Ay satellite avigatio or security equipmet or accessories, ot permaetly fitted, that are ot stadard accessories. Ay loss or damage caused by failure to maitai the isured vehicle ad safeguard it from such loss or damage. Ay amout above 2,000,000 arisig out of a sigle icidet at oe locatio owed or occupied by you. Ay loss or damage from the isured vehicle beig cofiscated, disposed of or destroyed by or uder order of ay govermet or public or local authority. Documet of Fleet Isurace 11

14 SECTION 3 ACCIDENTAL DAMAGE We will cover you for loss or damage up to the market value of the isured vehicle at the time of the loss. This icludes stadard accessories o it. We will also pay for loss or damage to the isured vehicle s fitted i-car etertaimet, satellite avigatio ad security equipmet up to a limit of 1,000 ay oe loss. Youg or iexperieced driver excess. If the isured vehicle is damaged while a youg or iexperieced perso is drivig it, you will have to pay part of the cost of each claim as follows: Driver s age Amout you pay Uder to or over who has ot 300 held a full UK or EU licece for 12 moths or more This excess is i additio to ay other excess which you may have to pay. What is ot covered Ay loss or damage described i What is ot covered uder Sectio 2 Fire ad Theft of this policy. We also do ot cover the followig: Damage to tyres caused by wear ad tear, brakig, puctures, cuts or bursts. Damage caused by frost, uless you have take reasoable care to stop the damage happeig ad have followed the maufacturer s istructios to avoid liquid freezig i your vehicle. Ay amout above 2,000,000 arisig out of a sigle icidet at oe locatio owed or occupied by you. NEW VEHICLE REPLACEMENT Where your vehicle is a private car or goods-carryig vehicle we will replace your vehicle with a ew vehicle of the same make ad specificatio (subject to availability) if withi twelve moths of purchase ew by you of a private car (or withi twelve moths of registratio if subject to a leasig or cotract hire agreemet) or withi six moths of purchase ew by you (or withi six moths of registratio if subject to a leasig or cotract hire agreemet) of a goods-carryig vehicle: Ay repair cost or damage covered by the policy exceeds 50% of the Uited Kigdom list price of your vehicle (icludig vehicle taxes) at the time of its purchase; or Your vehicle is stole ad ot recovered. We will oly replace your vehicle if: You ow the vehicle or you bought it uder a hire purchase agreemet or you leased or hired the vehicle uder ay type of leasig or cotract hire agreemet; or Ay iterested hire purchase, leasig or cotract hire compay agrees; or You are the first registered ower of your vehicle uless it is subject to a leasig or cotract hire agreemet with you. New private car ad goods-carryig vehicle replacemet does ot apply to trailers. 12 Documet of Fleet Isurace

15 SECTION 4 WINDSCREEN AND WINDOWS We will pay for damage to the isured vehicle s widscree or widows. The schedule shows the maximum amout we will pay: For ay oe icidet if the widscree or widow is replaced or repaired by Highway Glasslie (Telephoe ) or For ay oe icidet if ay other supplier carries out the repair or replacemet. What is ot covered Ay loss or damage if you do ot have cover uder this Sectio. Damaged roof paels icludig damage to ay part of a covertible hood, lights or reflectors, eve if they are made of glass. Extra costs for the work to be udertake outside ormal hours, uless the widscree is shattered, or the driver s visio or the security of the isured vehicle, is affected. The excess, uless you have your widscree or widow repaired rather tha replaced. (The excess must be paid direct to the repair or replacemet compay if your widscree or other widows are replaced, rather tha repaired.) SECTION 5 LOCK REPLACEMENT STOLEN KEY COVER If the keys, lock trasmitter or etry card for the keyless etry system of your isured vehicle are stole, we will pay up to 1,000 towards the cost of replacig: The door ad boot locks; The igitio ad steerig locks; The lock trasmitter; ad The etry card. Provided that we are satisfied that the idetity or locatio of your isured vehicle is kow to ay perso who may have the keys, trasmitter or etry card. Provided also that reasoable care is take to safeguard the keys, trasmitter or etry card from loss. What is ot covered Ay amout i excess of 1,000 ay oe loss. Documet of Fleet Isurace 13

16 SECTION 6 MEDICAL EXPENSES If you or your passegers are ijured because of a accidet ivolvig the isured vehicle, we will pay up to 150, i additio to the compulsory Emergecy Medical Treatmet fee (see Sectio 1), for each perso for ay medical treatmet they receive for ay oe loss. What is ot covered Ay medical expeses if you do ot have cover uder this Sectio. SECTION 7 FOREIGN USE I additio to providig cover withi the geographical limits, this policy i compliace with EU Directives also provides the ecessary cover to meet the laws o compulsory isurace of motor vehicles i: Ay other coutry which is a member of the Europea Uio; ad Ay coutry which the Commissio of the Europea Commuities is satisfied has made arragemets to meet the requiremets of Article 7 (2) of EC Directive 72/166/EC relatig to civil liabilities arisig out of the use of motor vehicles. The level of cover provided will be the miimum required to comply with the laws o the compulsory isurace of motor vehicles of the coutry i which the accidet occurs. Where the accidet occurs i aother EU Member State, if the miimum cover required by the laws of Great Britai is wider tha that of such EU Member State, the level of cover provided will be that applicable i Great Britai. If you take your vehicle abroad outside the geographical limits: The cover provided by this policy applies to your vehicle for which a gree card ad a foreig use edorsemet have bee issued. Cover is effective for the period specified i the gree card. Where your vehicle is beig used withi the geographical limits or i ay coutry for which we have issued you with a gree card, the followig covers also apply: The trasit of your vehicle, icludig loadig ad uloadig, betwee the coutries specified, provided such trasit is of ot more tha 65 hours; ad/or Reimbursemet of ay customs duty you may have to pay o your vehicle after its temporary importatio ito ay of the coutries specified, subject to your liability arisig as a direct result of ay loss of or damage to your vehicle which is covered uder Sectios 2 Fire ad Theft or Sectio 3 Accidetal Damage; ad/or Geeral average cotributios, salvage ad sue ad labour charges while your vehicle is beig trasported by sea betwee ay of the coutries specified provided that loss of or damage to your vehicle is covered uder Sectios 2 Fire ad Theft or Sectio 3 Accidetal Damage. 14 Documet of Fleet Isurace

17 SECTION 8 PERSONAL BELONGINGS We will pay up to 750 for ay oe loss for persoal belogigs i a isured vehicle if they are lost or damaged due to a accidet, fire, theft or attempted theft. What is ot covered Moey, stamps, tickets, documets, egotiable securities or share or bod certificates; Goods, samples or equipmet you or ayoe isured by this policy carry i coectio with ay trade or busiess. SECTION 9 TRAILERS Attached Trailers The cover applicable to your vehicle shall also apply to ay trailer attached or coected to your vehicle for the purposes of beig operated or draw. Detached Trailers Where your vehicle is a private car or goods-carryig vehicle the cover will also apply to ay trailer: Owed by you or hired to you uder a hire purchase agreemet or leased or reted to you for a period of ot less tha three moths; or I your custody or uder your cotrol while detached from your vehicle. You will have to pay the first 250 of ay claim. Attachmets Where your vehicle is a special types vehicle the cover will also apply to ay attachmet while attached to or detached from your vehicle. What is ot covered If ay trailer or disabled mechaically-propelled vehicle is beig towed otherwise tha i accordace with the law; For loss or damage to property beig carried i or o ay trailer or disabled mechaically propelled vehicle; Uder Sectio 1 Liability to Others for ay loss or damage arisig from the operatio of ay plat permaetly attached to ad formig part of your trailer (other tha ay liftig device for self-loadig) as a tool except where such liability is required to be covered by the Road Traffic Act; For loss of or damage to ay fixtures, fittigs or utesils carried i or o ay trailer; If the trailer is a carava, other tha to idemify you withi the terms of Sectio 3 Accidetal Damage while the carava is attached to your vehicle. Cotiget Liability for your trailers We will idemify you uder the terms of Sectio 1 Liability to Others i respect of ay trailer owed by you or hired to you uder a hire purchase agreemet while it is ot i your custody or cotrol, but ot if there is ay other existig isurace coverig the same liability. Documet of Fleet Isurace 15

18 SECTION 10 UNAUTHORISED MOVEMENT OF OBSTRUCTING VEHICLES We will isure you or ay employee to move a vehicle which is ot owed by you if it is blockig your right of way. We will also isure you or ay employee while parkig a vehicle, which is owed by a visitor, o your premises. SECTION 11 UNAUTHORISED USE We will isure your vehicle for use or drivig ot authorised by you, as log as that use or driver is allowed by your certificate of motor isurace. The driver must repay us ay moey we pay if a accidet happes. SECTION 12 PRINCIPALS INDEMNITY Where your vehicle is beig used i coectio with cotract work o behalf of a pricipal we will uder the terms of Sectio 1 Liability to Others idemify the pricipal i respect of compesatio they are legally liable to pay arisig from such use provided that: You would have bee able to claim uder the policy had the claim bee made agaist you; ad You have arraged with the pricipal for the coduct ad cotrol by us of all claims for which we may be liable uder this sectio. What is ot covered Death or bodily ijury to ay perso employed by the pricipal arisig out of or i the course of their employmet; Ay amout payable by the pricipal uder ay agreemet which would ot have bee payable i the absece of such a agreemet; Bodily ijury to the pricipal for ay amout you would ot have to pay but for such a agreemet; Damage to property belogig to or held i trust by or i the custody or cotrol of the pricipal for ay sum which exceeds the amout required to idemify the pricipal; Liquidated damages or damages icurred uder ay pealty clause. SECTION 13 CHILD SEAT COVER If you have a child seat fitted i your isured vehicle ad your isured vehicle is ivolved i a accidet or damaged followig fire or theft we will cotribute up to 100 for ay oe loss per child seat towards the cost of a replacemet eve if there is o apparet damage, subject to you makig a claim uder Sectio 3 Accidetal Damage of your policy. 16 Documet of Fleet Isurace

19 SECTION 14 VEHICLES LAID UP AND OUT OF USE Fire ad Theft Where your vehicle is laid up at the commecemet of the period of isurace, all cover provided by this policy will be of o effect other tha for loss or damage by fire or theft provided your vehicle is kept i a locked private or public garage or i a compoud surrouded by secure perimeter walls ad/or feces. What is ot covered Loss of use, depreciatio, wear ad tear; Mechaical, electrical or electroic failure, breakdow or breakage; Computer ad equipmet failure or malfuctio; Loss or damage directly arisig from pressure waves caused by aircraft or other aerial devices travellig at soic or supersoic speed; Loss of value followig repair; Loss or damage arisig from theft while the igitio keys of your vehicle have bee left i or o your vehicle; Loss or damage arisig from cofiscatio or requisitio or destructio by or uder order of ay govermet or public or local authority; SECTION 15 UNLICENSED DRIVERS Ay requiremets of this policy or the certificate of motor isurace that the perso drivig must hold or have held a licece to drive does ot apply whe a licece is ot required by law. The terms of this policy ad the certificate of motor isurace will otherwise apply. SECTION 16 CAR SHARING If you receive fiacial cotributios i respect of the carriage of passegers o a jourey i your private car as part of a car-sharig arragemet we will ot regard this as beig the carriage of passegers for hire or reward (or the use of the vehicle for hirig). What is ot covered This sectio does ot apply if the: Vehicle is costructed or adapted to carry more tha eight passegers (excludig the driver); Passegers are beig carried i the course of a busiess of carryig passegers; Total cotributios received for the jourey cocered ivolve a elemet of profit. If your private car is used uder a car-sharig arragemet ad there is ay doubt as to whether this arragemet is covered by the terms of your policy you should immediately cotact us for cofirmatio. Documet of Fleet Isurace 17

20 SECTION 17 PERSONAL ACCIDENT COVER If you or the driver of your vehicle suffers accidetal bodily ijury i direct coectio with your isured vehicle withi the geographical limits, we will pay to the ijured perso 5,000 if, withi three moths of the accidet, the bodily ijury is the sole cause of: Death; Irrecoverable loss of sight i oe or both eyes; Loss of ay limb. The most we will pay to ay oe perso after ay accidet is 5,000. The most we will pay ay oe perso durig ay oe period of isurace is 10,000. If you or the driver of your vehicle have ay other policies with us i respect of ay other motor vehicles, you or that perso will oly be able to obtai compesatio for ijuries uder oe policy. 18 Documet of Fleet Isurace

21 SECTION 18 Legal Expeses If you are ivolved i a motor accidet, we are here to help you 24 hours a day, 365 days a year. Motor accidets are always stressful, particularly if you or a passeger has bee ijured. The last thig you eed is a log ad expesive legal dispute to worry about. This is where motor legal expeses isurace ca help. If you are ivolved i a road traffic collisio that is ot your fault, you have a legal right to claim back your uisured losses from the perso who was at fault. Uisured losses ca iclude the followig: Compesatio for ijury or death. Your policy excess. Reasoable hire charges for a replacemet vehicle while yours is beig repaired. Compesatio for you ot beig able to use your vehicle. Accidet repair costs. Compesatio for damage to your clothes, luggage or persoal belogigs. What to do after a accidet If you are ivolved i a accidet, remember to write dow as may details as possible, icludig the ames ad addresses of those ivolved i the accidet ad ayoe else who may have see it happe. Please let us have this iformatio as soo as you ca by callig us o , 24 hours a day, 365 days a year. You must do this before takig ay actio yourself. Please remember to quote your policy umber, which ca be foud at the top of your isurace schedule. Sectio Defiitios The followig words or phrases have the same meaig wherever they appear throughout this Sectio ad apply i additio to the policy defiitios. Icidet A road traffic collisio ivolvig the isured vehicle. Isured perso You; Ay other perso allowed by you to drive the isured vehicle; Ay passeger travellig i or o the isured vehicle. Legal expeses Reasoable ad ecessary legal fees, costs ad expeses charged by your legal represetative, which will be assessed o the stadard basis or i accordace with fixed costs set out i The Civil Procedure Rules if applicable. Third party costs shall be covered if awarded agaist the isured perso ad paid o the stadard basis of assessmet. The most we will pay for all legal expeses will be 100,000 for ay claim or claims arisig from oe icidet. Documet of Fleet Isurace 19

22 SECTION 18 Legal Expeses cotiued Legal represetative Our pael solicitors or ay other suitably qualified perso appoited to represet the isured perso uder the terms ad coditios of this policy. Uisured losses Losses that caot be recovered from ay isurace policy the isured perso holds. Uisured Loss Recovery ad Persoal Ijury We will pay for legal expeses to recover the isured perso s uisured losses followig a road traffic collisio ivolvig the isured vehicle which causes: Damage to the isured vehicle or to ay persoal property i it; or Death or ijury to a isured perso while travellig i or o the isured vehicle. Provided that: The icidet occurs withi the period of isurace; The icidet occurs withi the geographical limits ad ay legal proceedigs will be carried out withi the geographical limits by a court or other orgaisatio which we agree to; We believe that the isured perso s claim has ad cotiues to have a reasoable chace of success; We believe the cost of legal expeses to pursue the isured perso s claim will be i proportio to the expected beefit; The isured perso has isurace to drive the isured vehicle; Ayoe makig a claim uder this isurace has your agreemet to claim; The isured perso complies with the terms ad coditios of this isurace. What is ot covered For the purpose of these exclusios ay referece to you or your shall be deemed to iclude ay isured perso. We will ot pay ay legal expeses if: We have ot agreed, i advace, the purpose ad amout of ay legal expeses, or they relate to a period before we have accepted your claim; We do ot believe that your claim has ad cotiues to have a reasoable chace of success; We do ot believe the cost of legal expeses to pursue your claim will be i proportio to the expected beefit; The icidet happeed before you bought this isurace; You claim more tha 90 days after the date of the icidet; Your claim is fraudulet, false or exaggerated or you do aythig that harms the chaces of your or our success i proceedigs; 20 Documet of Fleet Isurace

23 SECTION 18 Legal Expeses cotiued The other side is ulikely to be able to pay your claim; You act agaist our advice or the advice of your legal represetative; The legal represetative refuses to act for you; You ureasoably withdraw from legal proceedigs; Your claim is settled or discotiued without us agreeig to this beforehad. Also, certai types of claim are ot covered uder this isurace. We will ot pay for: A applicatio for a judge to review the lawfuless of a decisio made or actio take by a public body; Claims more specifically isured uder aother isurace policy; Claims i respect of the isured vehicle that your motor isurer repudiates or refuses to cover; Claims arisig from defective repairs, mechaical breakdow or geeral maiteace of the isured vehicle; Fies, costs or expeses which a crimial court orders you to pay. Sectio Coditios For the purpose of these coditios ay referece to you or your shall be deemed to iclude ay isured perso. You must do the followig: Supply at your ow expese all of the iformatio which we reasoably require to decide whether a claim is covered, icludig evidece that legal expeses will be i proportio to the beefit to you of takig proceedigs ad that your claim has a reasoable chace of success; Tell us before you take ay actio that may result i a claim ad before you ru up ay legal expeses; Take all reasoable steps to settle your claim by egotiatio ad work with us to achieve a satisfactory outcome to your claim; Follow the advice that we ad your legal represetative give you; Keep the cost of your claim as low as possible; Keep us ad your legal represetative iformed about the progress of your claim, icludig ay offers to settle; Try to recover your legal expeses from the other side, icludig allowig us to brig proceedigs i your ame; Allow us to obtai ay iformatio, documet or file from your legal represetative icludig a opiio o your chaces of success ad the proportioate beefit to you of makig your claim. Appoitig a legal represetative We have chose a pael of legal firms to provide legal services to our customers. We have a fiacial relatioship with these firms where they may make paymets to us where we itroduce our customers to them. There is othig i our relatioship with our pael firms which affects their ability to act i your best iterests. If we accept your claim, we will appoit oe of our pael of legal represetatives o your behalf. Documet of Fleet Isurace 21

24 SECTION 18 Legal Expeses cotiued You have the right to choose your ow legal represetative to represet you from the time you have the right to make a claim uder this policy. This icludes the right to choose your ow legal represetative if it is ecessary to take your claim to court or if a coflict of iterest arises. Where you choose to use your ow legal represetative: a) You must ot agree to ay legal expeses without our prior writte permissio. b) Your legal represetative will be appoited to act for you i lie with our stadard terms of appoitmet (you ca ask us for a copy). c) We will ot pay for: Legal expeses that are ureasoable; legal expeses icurred by your legal represetative i avoidable correspodece or which are recoverable from a court, tribual or other party; Ay shortfall i costs recovered from aother party where the claim has bee successful ad costs have bee recovered. We ca do the followig: Pay a amout to settle your claim or to pursue a actio i the Small Claims Court; Refuse to pay ay further legal expeses if you do ot accept ay offer i a civil claim, which we believe is reasoable; Give your legal represetative all the iformatio we have about you or your claim icludig ay medical iformatio; Refuse to pay further legal expeses if it is more likely tha ot that your claim will be usuccessful. Persoal ijury claims As part of ay claim for persoal ijury your legal represetative may eed to arrage for you to be medically examied by a doctor. They may appoit a medical agecy to arrage this examiatio. The medical agecy will also cosider whether rehabilitatio would assist you i recoverig from your ijury. If you use a pael legal represetative, the medical agecy will make a paymet to us for this referral. We do ot restrict your legal represetative i their choice of medical agecy ad rehabilitatio provider. 22 Documet of Fleet Isurace

25 CLAIMS HANDLING Our aim is to give you the best claims service that we ca. If you use the services we have put i place to achieve this, we ca provide a better service tha whe the claim is outside our cotrol. There are some importat poits that you should be aware of if you are ivolved i a accidet or your vehicle is stole. Accidet Give your ame, address ad isurace details. Get the ame, address, phoe umber, vehicle registratio ad ay other iformatio you ca from the other driver or drivers, passegers, witesses ad ay attedig police officer. Note the exact locatio ad ay relevat road sigs or markigs. If there is a ijury ad you did ot give your details at the scee, report the icidet to the police withi 24 hours. You must STOP at the scee of the accidet, do ot drive away util you have exchaged details with the other party ivolved. Theft Report the theft to the police immediately ad take a ote of the officer s ame, umber, costabulary, ad crime referece umber. If you kow where the vehicle is after its theft, make sure that it is safe ad secure. Claims Procedure If ay accidet, ijury, loss or damage occurs you, or your legal represetative, must do the followig: Iform us by callig either our Cotact Cetre (GB) o or Cotact Cetre (Norther Irelad) o as soo as is reasoably possible. If your claim is for glass oly call our glasslie o Sed us, uaswered, every letter you receive about a claim as soo as possible. Tell us, as soo as you kow, about ay prosecutio, coroer s iquest or fatal accidet iquiry. Not admit liability or egotiate a settlemet without our writte permissio. Give ay iformatio, help ad co-operatio we eed, icludig goig to court if ecessary. We will do the followig: Take over, defed or settle ay claims i your ame, or that of ay other perso isured. Take actio (which we will pay for) i your ame, or that of ay other perso isured, to get back ay moey we have paid. Widscree Damage Rig (See Sectio 4) Cotact Highway Glasslie ( ) as soo as possible after the isured vehicle s widscree is damaged. Some widscree damage ca be repaired. If so, o widscree excess will apply. Documet of Fleet Isurace 23

26 CLAIMS HANDLING cotiued Hadlig Your Claim (See Sectios 2, 3 ad 5) We will do the followig: Get a aget to take the isured vehicle to the earest approved repairer or aother safe place if you caot drive it. Refer you to a approved repairer. You ca take the vehicle to them or they will collect it ad retur it to you after a estimate has bee prepared. Sed the vehicle to a approved repairer, or aother repairer of your choice, if we disagree with the estimate for repairig it provided by a o-approved repairer. If a isured private car, or commercial vehicle up to but ot exceedig 3.5 toe gross vehicle weight, is beig repaired by a approved repairer from our etwork, they will edeavour to provide you with a class A courtesy car for the duratio of the repair to the isured vehicle. Provisio of a courtesy vehicle is etirely at the discretio of the approved repairer ad is subject to availability. Highway Isurace will ot accept ay resposibility for losses arisig where a approved repairer is uable to supply a courtesy car. Treat the isured vehicle as stole if it has ot bee recovered withi 30 workig days after you reported the theft to our Cotact Cetre. It must still be missig whe we pay your claim. Have your vehicle examied by our ow or our appoited egieer. You must do the followig: Get our permissio before orderig ay ew part or accessory, ad before payig for ay trasport outside the geographical limits. Tell us straightaway if the isured vehicle is stole ad you later get it back, or discover where it is. Sed us the certificate of motor isurace, the Vehicle Registratio documet ad Departmet of Trasport Test (MOT) Certificate if the isured vehicle eeds oe, keys ad ay other documets we ask for before we pay your claim. Payig Your Claim (See Sectios 2, 3, 4 ad 5) We will do the followig: Pay the reasoable cost of protectig the isured vehicle. Pay for the isured vehicle to be brought back to the address show o the schedule. (We will ot pay the cost of ay trasport outside the geographical limits uless we agree to do so first). Etirely at our discretio ad subject to paymet of the policy excess, arrage to: a) repair the damage at our Approved Repairer, we may decide to use suitable parts or accessories which are ot supplied by the origial maufacturer, or alteratively authorise repairs at a repairer of your choice subject to the provisio of satisfactory estimates, b) pay you the cost of replacig or repairig the damaged parts, icludig their fittig, or c) treat the isured vehicle as a total loss ad pay you the market value of the vehicle less the excess just before the loss or damage happeed. 24 Documet of Fleet Isurace

27 CLAIMS HANDLING cotiued Pay the last kow cost show i the maufacturer s price list ad the reasoable cost of fittig if ay lost or damaged part or accessory is o loger available. Not pay the whole cost of ay repair or replacemet that leaves the vehicle i a better coditio tha before the loss or damage (you will pay part of the cost of the repair or replacemet). Not refud ay premium if the isured vehicle is writte off or there is ay claim. Oce you accept our offer or we have paid the claim (or both) the isured vehicle becomes our property. Settle the claim to the legal ower if the isured vehicle is part of a hire-purchase or leasig agreemet, or belogs to someoe else. We will ot pay the VAT elemet of ay claim if you are registered for VAT. If we declare the isured vehicle a total loss (write off), you must pay whatever you owe us before we will pay your claim, or we may take what you owe us from aythig we pay you. You must do the followig: Pay ay excess direct to the repairer whe you collect your vehicle. Pay the VAT direct to the repairer whe you collect your vehicle if you are registered for VAT. Reimburse us ay amout we pay to ay repairer i respect of a claim uder the cotract of motor isurace i relatio to the VAT elemet of the total cost, if you are registered for VAT. Fraudulet, False ad Exaggerated Claims Fraudulet, false ad exaggerated claims icrease premiums for our policyholders. We will ot pay a claim which is i ay part fraudulet, false or exaggerated, or if you, or ayoe actig for you, makes a claim i a fraudulet or false way, or where we have bee give ay documets which are false or stole. We will also seek to recover ay costs that we have icurred. I such circumstaces, we will cacel your policy ad we will ot retur ay premium. Documet of Fleet Isurace 25

28 GENERAL EXCLUSIONS These geeral exclusios apply to the whole of this cotract of motor isurace ad describe the thigs which are ot covered. These apply as well as the exclusios show uder What is ot covered i each of the Sectios detailig the cover provided. This cotract of motor isurace does ot cover claims arisig from ay of the followig. 1) Ay accidet, ijury, loss or damage that happes while the isured vehicle is beig: Used for a purpose which it is ot isured for; Drive or i the charge of ayoe who is ot described i the certificate of motor isurace as a perso etitled to drive or who is excluded from drivig by ay edorsemets or who is covered by aother isurace; Drive or i the charge of ayoe who does ot have a valid drivig licece, has ot held a drivig licece, is disqualified from drivig or is preveted by law from holdig a licece; Drive or i the charge of ayoe who does ot meet the terms ad coditios of their drivig licece as required by DVLA / DVLNI rules ad regulatios ad ay relevat law; Drive or i the charge of ayoe who does ot meet all the coditios described i the edorsemets o your schedule ad all the geeral coditios i this policy; Kept or used i a usafe or uroadworthy coditio. (You may be asked to provide details to show the isured vehicle was regularly maitaied ad kept i good coditio); Kept or used without a curret Departmet of Trasport Test (MoT) certificate if oe is eeded; Kept or used i ay way that breaks ay security requiremets imposed by a edorsemet; Used to carry passegers or goods i a way likely to affect the safe drivig ad cotrol of the vehicle; or Used i or o restricted areas of airports, airfields or military bases. 2) Ay liability that you have agreed to accept uless you would have had that liability ayway. 3) Ayoe who does ot meet all the coditios described i the edorsemets o your schedule ad all the geeral coditios i this policy ad ay other coditio of this policy. 4) Ay use coected with the motor trade, uless this use is described i the certificate of motor isurace (uder Limitatios as to Use). 5) Hirig out the isured vehicle for moey, uless this use is described i the certificate of motor isurace (uder Limitatios as to Use). 6) Racig of ay descriptio or beig used i ay cotest, competitio, rally or speed trial (apart from treasure huts). 7) The isured vehicle beig used o ay form of race track, de-restricted toll road (icludig the Nurburgrig) or off-road activity. 26 Documet of Fleet Isurace

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