Your Car Insurance Policy Booklet

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1 Your Car Insurance Poicy Booket

2 2013 CAR INSURANCE Our Poicy gives you 5 Star Protection Hastings Direct and Premier Car insurance poicies have been awarded a 5 Star Rating from Defaqto, the independent financia research company. This is great news for us and our customers as it supports our goas of deivering great straightforward service to our customers, as we as being the owest cost provider of quaity genera insurance. Most of a it means we can be confident that our car insurance products are not ony a great price, but are some of the most comprehensive poicies on the market. What is a Defaqto Star Rating? Defaqto are an independent financia research company who speciaise in coecting, researching and sharing financia product information. Since 1994 they have buit a comprehensive, whoe of market, financia product information database and become one of the eading providers of financia product information in the UK. Defaqto Star Ratings are a simpe, reiabe way to identify at a gance the overa eve of features or benefits within an insurance poicy - whether a customer needs a simpe poicy, one with ots of features and benefits or something in between. Find out more at Consumer Moneyfacts Car Insurance Provider of the Year 2012 Best Company - First Cass 2012 Persona Lines Intermediary of the Year, 2012 Customer Service Provider of the Year, UK Broker Awards Persona Lines Broking Initative of the Year, British Insurance Awards

3 Contents Things you need to know Your Motor Insurers Poicy Wording Caims service 4 Traveing abroad 5 Important notice 5 Caring for our customers 6 Consumer Insurance 6 (Discosure and Representation) Act 2012 Keeping your poicy up to date 7 Information about your poicy documents 15 Contract of insurance 15 Meaning of words 16 Guide to cover 17 Our Terms and Conditions Sections Whose products do we offer? 8 Who reguates us? 8 Ownership and cose inks 8 What is the insurance intermediary 8 service we provide you with? What you have to pay for our services 9 Cient money and instaments 10 Introducer arrangements 10 Your right to cance 11 Data protection 12 Credit checks 12 Continuous Insurance Enforcement 12 and the Motor Insurance Database Fraud prevention and detection 13 Section 1. Damage to your car 18 (except that caused by fire or theft) Section 2. Damage or oss by fire or theft 20 Section 3. Liabiity to third parties 22 Section 4. Persona accident 23 Section 5. Territoria imits and using your car abroad 24 Section 6. Medica expenses 24 Section 7. Persona beongings 25 Section 8. Gass damage 25 Section 9. No-caim discount 26 Section 10. Chid seat cover 26 Section 11. Overnight accommodation 26 or onward transport Genera Exceptions 27 Genera Conditions 28 Canceing this poicy 28 Endorsements 30 Important guideines when traveing abroad 32 Usefu information Usefu information and frequenty asked questions 35 3

4 Caims service We hope that you are never unfortunate enough to have an accident or oss, however we aso know that these things happen and that the true vaue of your car insurance ies in the service you receive at this difficut time. You shoud notify us of any accident or oss within 24 hours of the occurrence. By notifying us as soon as possibe, your insurer can sette your caim quicker and if your car is repairabe, arrange for one of their nominated repairers to be notified as soon as possibe. Furthermore quicky notifying us of the incident means that the detais are fresh in your mind and can hep your insurer essen the cost invoved in deaing with your caim, heping them to keep their prices as ow as possibe. What to do: If you have an accident, remember STOP: S T O P Stop at the scene of the accident, never admit bame or offer to pay for damage, and te us if anyone ese does Teephone us on , even if you do not want to make a caim Obtain the name, address, teephone number and vehice registration of the other drivers and give yours in return Poice. Ca the poice if there has been an injury or if any driver does not stop at the scene or give their detais If you need to make a caim: If you become aware of any insurance reated incident, you must te us, even if you don t want to make a caim. Simpy ca our friendy team on Remember to save this number in your mobie phone (if you have one) so you wi have it avaiabe if an incident occurs Our caims hepine is open 24 hours a day, 365 days a year and is a first response service with operators who can confirm whether your poicy covers you for the incident. When you ca us, we wi ask you some questions about the circumstances of the incident, we wi then transfer you to your insurer s caims department who wi take the next steps. If the ony damage is to the windscreen or windows in your car, pease ca the gassine shown on your Certificate of Motor Insurance and on your Schedue. This ine is open 24 hours a day 365 days a year. Repair Service for an accident when using your insurer s nominated repairer: Remember that by using your insurer s nominated repairer, you wi benefit from a number of things, incuding a guarantee for your repairs, and authorisation and payment direct to the repairer. A you need to do is pay your excess. You are of course permitted to use your own repairer, however you wi not be entited to the benefits shown in the tabe beow and wi need to submit repair estimates to your insurer for authorisation, which may deay the progress of your caim. Repairs Authorisation Deivery Payment If the damage to your car is covered under your poicy and can be repaired, then your insurer wi arrange for one of its nominated repairers to contact you. You do not need to get any estimates and your repairs can begin as soon as your insurer has authorised them. When the work is compete, the repairer wi contact you to arrange a convenient time to deiver your car back to you. Your insurer wi pay the bi. A you need to do is pay any poicy excess to the repairer before the car is deivered back to you If your car is a tota oss (a write off), your insurer wi ask you to send in your origina documents (for exampe: V5C and MOT Certificate). Remember to cear your car of persona beongings and your tax disc before it is coected. 4

5 Caims service Continued Points you need to know about the courtesy car service: The service is ony avaiabe for the duration of your repairs, if you use one of your insurers nominated repairers for repairs to your car foowing damage covered under Sections 1 and 2 of your poicy A courtesy car is not avaiabe if your car is stoen or is considered to be a tota oss The courtesy car wi usuay be a Group A vehice, such as a Ford Ka The courtesy car wi be automaticay insured by this poicy, subject to underwriting terms and conditions, at no additiona cost, and norma poicy terms wi appy You wi be responsibe for the courtesy car, incuding any fines for parking, motor offences and fixed penaties and any congestion or to charges incurred. The courtesy car service is subject to avaiabiity by the insurer s nominated repairer. You can find out who your insurer is by ooking at your Statement of Insurance, your Schedue or your Certificate of Motor Insurance. Remember, if you have purchased Substitute Vehice cover as an optiona additiona product, you wi be abe to make a caim for a hire car in the event of your car being decared a tota oss foowing an accident that was your faut, fire or attempted theft. Your Statement of Price wi show if you have purchased this cover, and fu detais of the poicy can be found in your Optiona Additiona Products Booket. Traveing abroad? Your current poicy cover is automaticay extended to incude trave in the EU and the countries specified in Section 5 for up to 90 days per trip. Pease read Section 5 for fu detais. If you intend to trave for more than 90 days per trip or visit countries not specified, your poicy cover may be extended for the trip or for these countries. Pease ca our Customer Service Department on at east 7 days before the date of your departure. You wi have to pay an additiona premium for this. Important notice You wi enter into two separate contracts when you take out an insurance poicy through us. The first contract is with us for arranging and administering your insurance poicy, on your behaf, and we sha charge you an arrangement and administration fee for providing our services. Our terms and conditions are set out in this document. The second contract is with the insurer noted on the certificate of motor insurance and the poicy schedue, for providing your insurance and they sha charge you a separate premium incusive of insurance premium tax. Their terms and conditions are set out in this document (pages 14-end) the statement of insurance, poicy key facts and the certificate and schedue, a of which are in your wecome pack. The combined arrangement and administration fee and premium wi form the tota cost of the insurance and the amounts paid in respect of the cover you hod are found in the covering etter in the wecome pack. Pease note that when we are arranging your insurance on your behaf or making any adjustments to it we are acting on your behaf as your agent. When deaing with caims for Advantage Insurance Company Limited we are acting as the agent for the insurer. A other insurer caims wi be deat with by the insurer concerned. If you are unhappy or concerned with this arrangement or wish to have more information pease contact us. 5

6 Caring for our customers It is aways our intention to provide you with a high eve of customer service. However, if our service ever fas beow the standard you woud expect, pease et us know by foowing the procedure beow: If you are dissatisfied with the service provided by Hastings, the best way to contact us is via e-mai at the address beow, you may aso contact us by phone or etter Te: (Customer Service Hepine) Customer Reations Department, Hastings Direct, Conquest House, Coington Avenue, Bexhi-On-Sea, East Sussex, TN39 3LW If you make a compaint and it cannot be resoved immediatey or by the end of the next working day, we wi send you a written acknowedgement, typicay within five working days. This acknowedgement etter wi et you know who is deaing with your concerns. We wi endeavour to resove the matter as soon as possibe. We wi fuy investigate your compaint using a the information avaiabe to us, and our Customer Reations Department wi make every effort to address your concerns. To ensure we dea with your compaint fuy our investigations can sometimes take a itte onger. If they do, we wi provide you with a fina response usuay within four weeks or expain our position and provide timescaes for responding. If our investigations take onger than four weeks we wi keep you fuy informed of the position unti we are abe to provide you with a fina response. If you are sti not happy and your insurance is at Loyd s, you may contact the Poicyhoder and Market Assistance department at Loyd s to review your case. The address is: Poicyhoder and Market Assistance, Loyd s Market Services, One Lime Street, London, EC3M 7HA. Te: Fax: Emai: Shoud we fai to offer you a fina response within eight weeks of the initia date of your compaint, or if you are not satisfied with our response, you may refer the dispute to the Financia Ombudsman within six months of receiving our fina response etter. Their address is: Financia Ombudsman Service South Quay Paza, 183 Marsh Wa London, E14 9SR Te: or Emai: Nothing in this process wi adversey affect your rights of aw. Financia Services Compensation Scheme (FSCS) We are covered by the FSCS. You may be entited to compensation from the scheme in the unikey event we cannot meet our obigations to you. This depends on the type of insurance, size of the business and the circumstance of the caim. Further information about the compensation scheme arrangements is avaiabe from FSCS (www.fscs.org.uk). If you have any questions, or this poicy does not meet your needs, pease ca our Customer Service Department on (8am to 9pm Monday to Friday, 9am to 5.30pm Saturday and 10am to 5pm Sunday). Consumer Insurance (Discosure and Representation) Act 2012 Under the Consumer Insurance (Discosure and Representation) Act 2012, you have a duty to take reasonabe care to answer a questions as fuy and as accuratey as possibe. If you vounteer information which is over and above that requested you must do so honesty and carefuy. You shoud check your Statement of Insurance to ensure that a facts given are correct. It is an offence to make any fase statement or withhod any information for the purpose of obtaining a certificate of motor insurance. Faiure to answer a questions fuy and accuratey coud invaidate your insurance cover and coud resut in a or part of a caim not being paid. 6

7 Keeping your poicy up to date The terms of your poicy and premium are based on the information you have given us. If any of this changes you shoud te us by caing our Customer Service Department. Beow are some exampes of what you shoud te us. Pease note this ist is not exhaustive and you shoud contact us if you are unsure about whether you need to inform us of a change. Any changes to your poicy wi be subject to your insurers agreement and may not be acceptabe, therefore pease contact us for guidance on changes you wish to make. If a change to your poicy is acceptabe it may resut in revised terms and/or a change in the premium. Pease te us immediatey if: You or any insured drivers are invoved in an accident, no matter how trivia and regardess of bame; or You change your address or you or any insured drivers change occupations; or Your or any insured driver s driving icence is revoked either temporariy or permanenty, or the status of the driving icence has changed, e.g. if you or any insured driver has passed their driving test. Pease te us about the foowing beforehand: If you intend to ater your car from the manufacturer's standard specification.* If you intend to change your car. If you intend to change what you use your vehice for. If you want to incude other drivers. Pease te us about the foowing when you renew your poicy: Shoud there have been any changes to the insurance detais of: You or Any other person named as a driver under this poicy, such changes to insurance detais incude, but are not imited to: a) A change of vehice, address, occupation or use of the vehice. b) Any drivers you may wish to add to or remove from the poicy. c) Any accidents, caims, osses or damages to any vehice, whether or not a caim was made and regardess of bame. This incudes a types of caims, damages or accidents such as fire, theft or gass damage (windscreen or window). Any aterations to your car from the manufacturer's standard specification.* Any prosecutions or motoring convictions that you or any insured drivers have received during the year, or any pending prosecutions, motoring convictions or fixed penaty notices or icence endorsements. Any medica or physica condition or disabiity, for you or any insured drivers, that is notifiabe to the Driver and Vehice Licensing Agency(DVLA) /Driver & Vehice Agency Northern Ireand (DVANI) which has not been notified to and accepted by the DVLA/DVANI. Any non-motoring convictions for a drivers that are not considered spent. A spent conviction is one which, under the terms of the Rehabiitation of Offenders Act 1974, can be effectivey ignored after a specified amount of time. If however you have received a prison sentence of more than two and a haf years, your conviction wi never become spent. Renewa terms wi be offered based on the information you provided as shown on the Statement of Renewa. Pease check the accuracy of this information and if any detais are incorrect you shoud te us and ca our Customer Services Department. Pease take reasonabe care to ensure a questions have been answered honesty and to the best of your knowedge. If you don t answer the questions correcty your poicy may be canceed or your caim rejected or not fuy paid *Aterations incude optiona extras and any changes to bodywork; these incude but are not imited to: - Changes to the bodywork, such as spoiers or body kits - Changes to suspension or brakes - Cosmetic changes such as aoy whees - Changes affecting performance such as changes to the engine management system or exhaust system - Changes to the audio/entertainment system. Pease be aware that this is not a fu ist of a possibe changes. A changes made from the manufacturer s standard specification must be discosed. 7

8 OUR TERMS AND CONDITIONS Whose products do we offer? We can arrange the foowing products on your behaf with a range of insurers. If you woud ike a ist of the insurers we dea with pease ask. Home Motor Motorcyce Van For each optiona additiona product we ony use a singe provider, detais of which are provided in our optiona additiona products booket. Who reguates us? Hastings Insurance Services Limited is authorised and reguated by the Financia Conduct Authority (FCA). Our FCA registered number is You can check our registration on the FCA's register by visiting their website or by contacting the FCA on Our permitted business is arranging, deaing as agent and assisting in the administration of non - investment insurance contracts. Ownerships and Cose inks Hastings Insurance Services Limited is whoy owned by Hastings (UK) Limited (registered in Engand and Waes number ) which, in turn, is whoy owned by Hastings (Hodings) Limited (registered in Engand and Waes number ) which, in turn, is whoy owned by Hastings Insurance Group Limited (registered in Jersey number ) ("HIG"). If we have arranged your insurance with Advantage Insurance Company Limited, which is whoy owned by Advantage Goba Hodings Limited ("AGH"), we shoud advise that AGH is aso whoy owned by HIG. Wherever we arrange a poicy underwritten by Advantage Insurance Company Limited we wi advise you of this connection before you commit to buy. What is the insurance intermediary service we provide you with? We wi provide you with sufficient information to enabe you to make an informed decision on your purchase. As We wi not make a forma recomendation pease consider a information carefuy to ensure the product(s) meet your requirements before you decide to proceed. Our service incudes: arranging your insurance cover on your behaf with insurers to meet your requirements; and heping you with any ongoing changes you have to make, such as amendments to the cover, use and property insured. We wi aso arrange the canceation of your poicy and arrange cover with an aternative insurer if your requirement to amend your poicy is not acceptabe to your origina insurers. Additionay we wi arrange optiona additiona covers such as ega protection and breakdown where these meet your needs. We wi aso arrange the renewa of your insurance. 8

9 What you have to pay for our services We make the foowing charges for administering your insurance. Your insurer may charge a premium for any changes you make to your poicy and wi charge a premium for the time you have been on cover shoud you decide to cance your poicy. These premiums wi be in addition to our fees, which are for our services ony. Each fee is non-refundabe and is payabe at the time of the transaction to which it reates Service Poicy arrangement & administration Arranging your new poicy Ca centre arrangement (in addition to the arranging your poicy fee) Arranging your poicy at renewa Posta deivery 5.00 Amendments to your poicy made by you A other amendments not isted beow Change of registration number Add/amend an accident or convictions 0 Amend vehice security 0 Amend day time/over night parking 0 Amend mieage 0 Amend occupation 0 Amend name/marita status 0 Correct an error by one of our advisers 0 Amendment to your poicy made by our business administration team As part of our new business process our business administration team wi check your information and may have to make amendments to your poicy to correct the information we hod. Any amendments made as a resut of these checks wi resut in payment of our administration fee *Canceation - for fu detais of your right to cance see page 11 Canceation (after 14 days) if you take up aternative cover from Hastings Direct 0 Canceation (within 14 days)* Canceation car (after 14 days) Dupicate documentation Sent via e-mai or fax 0 Resent by post due to not being received within 6 weeks of the start of the poicy 0 Sent via post Faied payments Cheque/Direct debit Method of Payment Charge Payments by debit card 0% Payments by credit card 1.25% *reduced to 25 if canceed within the 14 day cooing off period whether cover has commenced or not. If we give a discount on our fees and/or the insurer's premium at the inception of your poicy, and the poicy is subsequenty canceed we sha be entited to reduce the amount of any refund to enabe us to recaim the unused portion of the discount. Fee 9

10 Cient Money and Instaments A money received by us in respect of insurance premiums is hed on behaf of the reevant insurer so that you have no risk in the event of our insovency. The tota price of your insurance is shown in your documents incuding insurance premium tax where appicabe. For ega purposes, we are required to inform you of the possibiity that other taxes or costs may exist that are not paid through or imposed by us, however, we are not aware of the existence of any other taxes or costs currenty payabe. When deaing with any amendments or aterations to your poicy, we wi not coect or refund any amounts under 1. Pease note that any interest earned by us and any investment returns on any segregated designated investments wi be retained by us. If you fai to pay us any money you owe us on the due date and we instruct any third party to coect this money from you, you agree that you wi pay the reasonabe costs of the third party for coecting the money for us. We use a third party to coect and store card detais in accordance with industry standards. We wi use the card detais stored on our behaf to coect payment for mid-term changes, defauted instaments incuding the associated fee, baances foowing canceation and for the renewa of your poicy. We wi inform you in advance of doing so. In the event of you receiving an overpayment, we wi attempt to recover our funds using the credit/debit card stored on our behaf. If payment is initiay made by debit/credit card any refund wi be made to the same card in accordance with the Terms and Conditions of the card issuer. A other refunds wi be made by cheque. We are unabe to give cash refunds. If you do not pay for your insurance you shoud show these detais to the person who paid on your behaf. If you pay using our Direct Debit faciity for any adjustments to your premium over the term of your oan, we hod the right to ask for part or fu payment of any additiona amount. Any return of premium wi be used to reduce your oan amount. If you fai to pay us any money you owe to us on the date due and we instruct a third party to coect this amount you agree to pay our reasonabe costs in the form of fees and reated interest charges and the reated fees and costs of the third party coecting this amount on our behaf. If you do not pay for your insurance, you shoud show these detais to the person who paid on your behaf. Introducer arrangements A third party may have introduced you to us and for this the introducer may be paid a fee by us. 10

11 Your right to cance This section contains important notes about your rights of canceation. You must read these notes carefuy. You can cance your poicy at any time by contacting us, we can cance your poicy by sending you a seven-day notice in writing to your ast known address. If your poicy is canceed, we wi refund your premium as foows: If you or we cance the poicy within the 14-day withdrawa period, whether cover has commenced or not, we wi refund the part of the premium you have not used subject to our canceation fee of 25 and any charge made by the insurer. If you or we cance the poicy at any other time, we wi refund the part of the premium you have not used subject to our canceation fee of 55 and any charge made by the insurer. You may not receive a refund of premium if you have made a caim, or if one has been made against you, during the period of insurance. If you are paying by instaments and a caim has been made, you may have to pay the baance of the fu annua premium. If we give a discount on our fees and/or the insurer's premium at the inception of your poicy, and the poicy is subsequenty canceed we sha be entited to reduce the amount of any refund to enabe us to recaim the unused portion of the discount. Car poicies We wi ony cance a Motor Poicy at your request if you meet the ega requirement to return the certificate of motor insurance to us. If you have ost the certificate of motor insurance, you must send in a competed written decaration confirming that you wish to cance and no onger have the certificate of motor insurance in your possession. Optiona Additiona Products The poicies shown in bod beow can be canceed at any time. However, uness they are canceed within the 14-day withdrawa period, they wi be subject to no return in premium. Motor Lega Protection, Breakdown, Persona Accident, Windscreen, Keycover, Substitute Vehice, Motor Excess Protector. Notes The address to return your poicy document to is: Hastings Insurance Services Ltd, Conquest House, Coington Avenue, Bexhi-on-Sea, East Sussex, TN39 3LW. The withdrawa period of 14-days commences from the time the contract is concuded. The contract is concuded, when you receive the documents from us. We are entited to assume that documents have been received in accordance with accepted principes of aw. That is: provided the document is sent to the correct address, documents posted first cass on business day one are received on business day two. If you have a baance outstanding foowing the canceation of your poicy, the credit/debit card used to pay the first instament wi be charged with the outstanding baance, as this card wi be used to secure the premium payabe for your insurance. If you do not pay for your insurance, you shoud show these detais to the person who paid on your behaf. 11

12 Data Protection For the purpose of the Data Protection Act 1998 the Data Controer in reation to the persona data you suppy is Hastings Insurance Services Limited. Information you provide about yoursef and others wi be used by us for insurance and account administration, providing automatic renewas, to assist you with caims and enquiries, and for statistica and research purposes. We may check and/or share information with credit reference or fraud prevention agencies, and debt coection agencies where necessary. In order to assess the terms of the insurance contract or administer caims that arise, we or the insurer may need to coect data that the Data Protection Act defines as sensitive (such as medica conditions or crimina convictions). By proceeding to provide any sensitive information about a third party (e.g. another driver), you must obtain their prior agreement to this and we wi proceed on the basis that you have done so. We wi pass your information to other organisations (e.g. insurers, service providers) to enabe them to provide the cover/services you have requested, and they in turn may pass your information to their agent(s) in order to deiver the service or carry out reevant investigations. We wi discose your information if we have been egitimatey asked to provide it for ega or reguatory purposes or in connection with actua or prospective ega proceedings. Occasionay, insurers/organisations may transmit or store your data outside the European Economic Area (EEA) in countries that do not have the same standards of protection for persona data as the UK. Credit checks We and/or your insurer may pass information about you to credit reference agencies, where it is necessary to carry out a credit check search on you before we and/or your insurer provide you with any services (incuding quotations and prior to offering a renewa). You shoud be aware that the resuts of those searches wi be recorded by the credit reference agencies and that we and/or your insurer and other organisations may use those records in order to hep make credit decisions about you, peope financiay inked to you and others in your househod. Often insurance and other financia services providers wi ony request a credit check once you have decided on a particuar suppier. Every appication you submit for a oan or credit card, however, may affect your credit score so you may wish to keep appications to a minimum to protect your credit rating. Continuous Insurance Enforcement and the Motor Insurance Database Information reating to your insurance poicy wi be added to the Motor Insurance Database ("MID") managed by the Motor Insurers Bureau ("MIB"). The MID and the data stored on it may be used by certain statutory and/or authorised bodies incuding the Poice, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by aw for purposes not imited to but incuding: I. Eectronic Licensing. II. Continuous Insurance Enforcement. III. Law enforcement (prevention, detection, apprehension and or prosecution of offenders). IV. The provision of government services and or other services aimed at reducing the eve and incidence of uninsured driving. If you are invoved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain reevant information. Persons (incuding his or her appointed representatives) pursuing a caim in respect of a road traffic accident (incuding citizens of other countries) may aso obtain reevant information which is hed on the MID. It is vita that the MID hods your correct registration number. If it is incorrecty shown on the MID you are at risk of having your vehice seized by the Poice. You can check that your correct registration number detais are shown on the MID at 12

13 Fraud prevention and detection Frauduent insurance appications and caims increase insurance premiums for a poicyhoders. To prevent and detect insurance reated fraud we may check your detais with nationa fraud prevention agencies and databases incuding Insurance Hunter, Motor Insurance Anti-Fraud & Theft Register, Caims and Underwriting Exchange and the Motor Insurers Database. When we dea with your request for insurance, or hande your caim, we may search these registers. Under the conditions of your poicy, you must te us about any incident (such as accident or theft) which may, or may not, give rise to a caim. When you te us about an incident, we wi pass information reating to it to the registers. If fase or inaccurate information is provided and fraud is identified, detais wi be passed to fraud protection agencies. Law enforcement agencies may access and use this information. The insurer and other organisations may aso access and use this information to prevent fraud and money aundering, for exampe, when: Checking detais on appications for credit and credit reated or other faciities. Managing credit and credit reated accounts or faciities. Recovering debt. Checking detais on proposas and caims for a types of insurance. The insurer shown on your schedue can give you detais of the reevant agencies. The insurer and other organisations may access and use from other countries the information recorded by fraud prevention agencies. You shoud not assume we wi write or make any outside enquiries and shoud take reasonabe care to answer a questions as fuy and as accuratey as possibe. If you vounteer information which is over and above that requested you must do so honesty and carefuy. You shoud check your Statement of Insurance to ensure that a facts given are correct. It is an offence under the Road Traffic Act to make a fase statement or to withhod information to obtain the issue of a Motor Insurance Certificate. If you give us any additiona information in writing you shoud keep a copy for your records. 13

14 14 YOUR INSURER S POLICY WORDING

15 Information about your poicy documents Your insurance contract is made up of: This poicy; Your Schedue which has detais of you, your Insurer, your car and the cover provided; Your current Certificate of Motor Insurance which gives detais of who may drive your car and what your car can be used for; and The Statement of Insurance which shows a the information you have provided on which the cover has been based. Your Schedue wi show you which sections and endorsements in this poicy appy to you. You shoud keep a record (incuding copies of etters) of a the information you suppy us with in reation to this insurance. Contract of insurance This poicy is a contract soey between you and the Insurer (as shown on your current Certificate of Motor Insurance). It is not intended that the Contracts (Rights of Third Parties) Act 1999 shoud confer any additiona rights under this poicy in favour of any third party. The information provided by you, to us as stated on your Statement of Insurance forms part of this contract. If you have paid or agreed to pay the appropriate premium, and arrangement and administration fee the Insurer wi provide insurance, under the terms set out in this poicy, for injury, oss or damage occurring during the period of cover. Under European aw, you and we may choose which aw wi appy to the contract. Uness you and we have agreed otherwise, Engish aw wi appy. We wi communicate in Engish throughout the course of this contract. For and on behaf of the Insurer: Toby van der Meer Managing Director Hastings Insurance Services Limited 15

16 Meaning of words The foowing defined words wi carry the same meaning wherever they are shown in bod throughout the poicy book. Certificate of Motor Insurance The proof of the motor insurance you need by aw. The Certificate of Motor Insurance shows what car is covered, who is aowed to drive the car and what the car can be used for. Endorsement A cause which changes the terms of the poicy. Any endorsements which appy wi be shown on your Schedue. Excess The part of the caim that you must pay. Insurer The insurance company or Loyd's syndicate Insurer whose name is shown on your Certificate of Motor Insurance and Schedue. Market Vaue The cost of repacing your vehice in the United Kingdom at the time the oss or damage occurred with one of a simiar make, mode, age and condition. Pubications may be used which refer to vehice vaues such as Gass's Guide to assess the market vaue, with an aowance being made for the mieage, condition and circumstances of purchase by you. Nominated Repairer A repairer from your insurer approved network, whom your insurer wi authorise to repair your car foowing a caim under Section 1 or Section 2 of this poicy. Period Of Cover The period you are insured for, as shown on your Certificate of Motor Insurance. We/Us/Our Hastings Insurance Services Limited trading as Hastings Direct on behaf of the Insurer identified on your Certificate of Motor Insurance. You The poicyhoder named on your Schedue. Your Car/Vehice The car described on your Schedue. (See Keeping Your Poicy Up To Date ). 16

17 Guide to cover Your Schedue shows the cover you have. Poicy section Comprehensive Third Party, Third Party Fire & Theft ony 1. Damage to your car 4 2. Damage to or oss by fire or theft Liabiity to third parties Persona accident 4 5. Territoria imits and using your car abroad Medica expenses 4 7. Persona beongings 4 8. Gass damage 4 9. No-caim discount Chid seat cover Overnight accommodation or onward transport 4 17

18 Section 1 Damage to your car (except that caused by fire or theft) What is covered 4 Loss of or damage to your car (and its accessories whie in or on your vehice or in your private garage). 4 Your insurer wi pay up to 300 for oss of or damage to in-car audio, teevision, DVD, phone, games-consoe, eectronic navigation or radar detection equipment permanenty fitted to your car. If the equipment is part of the car's origina specification, fitted by the manufacturer/deaer from first registration, cover wi be unimited. What is not covered 6 The excess shown for this section on your Schedue. 6 Any young and inexperienced driver excess as expained beow. 6 Loss or damage more specificay covered under sections 2 or 8. 6 Loss of use of your car (incuding the cost of hiring another vehice). 6 Wear and tear. 6 Faiures, breakdowns or breakage of mechanica, eectrica, eectronic or computer equipment. 6 Damage to your tyres caused by braking, punctures, cuts or bursts. 6 Your car osing market vaue after or because of repairs. 6 Any other oss of vaue. 6 Loss of or damage to your car where possession of it is gained by deception by someone who caims to be a buyer or agent. 6 Your car being repossessed by its rightfu owner or having to pay compensation to the owner. 6 Loss or damage if your car is being driven by anyone who is not keeping to the terms of their driving icence. 6 Any amount greater than the manufacturer s ast ist price for repacing any part or accessory ost or damaged. 6 Repairs or repacements which improve the condition of your car. 6 Loss of or damage to your car as a resut of a deiberate act by anybody insured by the poicy. 6 Your car being confiscated or destroyed by or under order of any government or pubic or oca authority. 6 Loss of or damage to your car caused by a member of your immediate famiy, or a person iving in your home taking your car without your permission, uness you report the person to the poice for taking your car without your permission and assist the poice in a prosecution. 6 Costs of importing parts or accessories or storage costs caused by deays, where the parts or accessories are not avaiabe from current stock in the UK. 6 Damage to your car if you or any person entited to drive as specified by your current Certificate of Motor Insurance is convicted of an offence invoving drink or drugs, or was driving when under the infuence of drink or drugs, when the accident happened. 6 This poicy does not provide cover for accidenta injury, oss or damage arising whist your vehice is being used in any raies. 6 Loss or damage to your car caused by an inappropriate type or grade of fue being used. Young and inexperienced driver excess You wi have to pay the first part of every caim for oss of or damage to your car. For each caim you wi have to pay the foowing: 6 The first 295 when your vehice is being driven by or is in the charge of any person who is under The first 195 when your vehice is being driven by or is in the charge of: - any person aged 21 to 24; or - any person aged 25 or over who hods a provisiona icence or who has not hed a fu UK or EU/EEC driving icence for at east one year. In either case the amount shown above wi appy on top of any other excess shown on your Schedue. You do not have to pay any excess when your car is with a member of the motor trade for servicing or repairs. 18

19 Section 1 Continued How your caims are setted For oss of or damage to your car your insurer wi either: 4 Pay for any necessary repairs; 4 repace your car; or 4 pay the market vaue of your car immediatey before the oss (this is not necessariy the vaue you decared when the insurance was taken out). Recyced parts or non origina parts and equipment may be used in repairs or taken into account in the caims settement. Your insurer wi not pay a cash sum for audio/visua equipment you are caiming for under this section. Your insurer wi sette a caim for audio/visua equipment by repairing it or repacing it with a simiar piece of equipment. The most your insurer wi pay is 300 for oss of or damage to in-car audio, teevision, DVD, phone, games-consoe, eectronic navigation or radar detection equipment permanenty fitted to your car. If the equipment is part of the car's origina specification, fitted by the manufacturer/deaer from first registration, cover wi be unimited. If your car is a tota oss, your insurer wi (if you and any other interested parties agree) repace it with a new car of the same make, mode and specification as ong as: 4 You have owned your car since it was first registered as new; and 4 within one year of it being registered as new, your car suffers damage where the cost of repair is estimated by your insurer to be more than 60% of the current ist price (incuding taxes) of your car at the time of the damage; and 4 your car s recorded mieage at the time of the oss is not more than 12,000 mies; and 4 your car is not an import and was sourced and suppied as new in the United Kingdom; and 4 the repacement car is avaiabe in the United Kingdom within 6 weeks from the time of the oss. If a car of the same make, mode and specification is not avaiabe, the most your insurer wi pay is the market vaue of your car at the time of oss or damage. If you are sti paying for your car under a hire purchase or easing agreement your insurer wi pay a caim for the tota oss of your car to the hire purchase or easing company. If your car is a tota oss, your insurer may put it in free and safe storage unti your caim is setted. Your insurer wi aso be entited to take possession of your car once they have setted your caim. If you are paying by instaments and your insurer settes a tota oss caim under this section a outstanding premium may be deducted from the caims settement. Except with the insurer s written consent, no admission, offer, promise, payment or indemnity sha be made by you or any person (or on behaf of any person) caiming indemnity under the Poicy. Your insurer sha be entited to conduct the defence or settement of any caim and to instruct the soicitors of their choice to act for you in any proceedings. In circumstances where it is considered appropriate your insurer wi be entited to admit iabiity on behaf of you or any person caiming indemnity under the Poicy. Such admissions may be made prior to or after the commencement of proceedings in reation to any event ikey to give rise to a caim under the Poicy. Your insurer wi aso pay the reasonabe cost of protection and taking your car to the nearest suitabe insurer nominated repairer or a pace of storage after such damage and where appropriate returning it after repair to your address as shown in the schedue. 19

20 Section 2 Damage or oss by fire or theft What is covered Loss of or damage to your car (and its accessories whie in or on your vehice or in your private garage) by: 4 Theft; 4 attempted theft; or 4 fire and ightning. 4 Your insurer wi pay up to 300 for oss of or damage to in-car audio, teevision, DVD, phone, games-consoe, eectronic navigation or radar detection equipment permanenty fitted to your car. If the equipment is part of the car's origina specification, fitted by the manufacturer/deaer from first registration, cover wi be unimited. What is not covered 6 The excess shown for this section on your Schedue. 6 Loss of use of your car (incuding the cost of hiring another vehice). 6 Wear and tear. 6 Faiures, breakdowns or breakage of mechanica, eectrica, eectronic or computer equipment. 6 Damage to your tyres caused by braking, punctures, cuts or bursts. 6 Your car osing market vaue after or because of repairs. 6 Any other oss of vaue. 6 Loss of or damage to your car where possession of it is gained by deception by someone who caims to be a buyer or agent. 6 Your car being repossessed by its rightfu owner or having to pay compensation to the owner. 6 Any amount greater than the manufacturer s ast ist price for repacing any accessory or part ost or damaged. 6 Loss of or damage to your car whie (a) the ignition keys have been eft in or on your car or; (b) your car has been eft unattended with the engine running 6 Repairs or repacements which improve the condition of your car. 6 Loss of or damage to your car as a resut of a deiberate act by anybody insured by the poicy. 6 Your car being confiscated or destroyed by or under order of any government or pubic or oca authority. 6 Loss of or damage to your car caused by a member of your immediate famiy, or a person iving in your home taking your car without your permission, uness you report the person to the poice for taking your car without your permission and assist the poice in a prosecution. 6 Costs of importing parts or accessories or storage costs caused by deays, where the parts or accessories are not avaiabe from current stock in the UK. 6 This poicy does not provide cover for accidenta injury, oss or damage arising whist your vehice is being used in any raies. 20

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