Your private motor vehicle insurance. Policy document

Transcription

1 GB Your private motor vehicle insurance Policy document

2 Contents Contents Introduction... 2 Your insurance cover... 3 General definitions... 4 Section 1 Loss of or damage to the insured vehicle... 5 Section 2 Liability to other people... 9 Section 3 Windscreen cover (optional) Section 4 Breakdown assistance Section 5 Motor legal protection (optional) General exceptions which apply to the whole policy General conditions which apply to the whole policy Customer care Renewal information Data-protection statement Useful Telephone Numbers Customer services: Call this number if your circumstances change and you need to update your policy or if you have a question. Claims helpline: Call this 24-hour number if you need to report a claim on your policy. Windscreen helpline: Check your schedule to see if you have this optional cover. Call this 24-hour number to arrange for your windscreen to be repaired or replaced Breakdown assistance helpline: Call this 24-hour number if you need roadside assistance, home-start, vehicle recovery or journey completion. If you have a road traffic accident, call the claims helpline number above. Motor legal protection helpline: Check your schedule to see if you have this optional cover. If so, you can call this number if you have an accident and need legal advice 1

3 Introduction Introduction Welcome to Quinn Direct*, we are part of Liberty Mutual Insurance Group, one of the largest insurance groups in the world. We would like to thank you for choosing to insure your motor vehicle with us. This policy booklet, together with your schedule and certificate, form your motor insurance policy and include everything you need to know about your cover. However, if you want to discuss any matters or make changes to your policy, please contact our customer service staff ( ) who will be pleased to help you. If you are unfortunate enough to have an accident or loss, please call our experienced claims handlers ( ) who will help you through the claims process. Once again thank you for choosing Quinn Direct On behalf of Quinn Direct Tom McIlduff Chief Executive Officer * Liberty Insurance Limited, trading as Quinn Direct, is authorised by the Central Bank of Ireland. Liberty Insurance is registered on the Financial Services Register under registration number , which you can check at or by calling the Financial Conduct Authority on Liberty Insurance Limited is registered in Ireland, registration number and is a private company limited by shares. Its head office is at Dublin Road, Cavan, Co. Cavan, Ireland. Your insurance cover To make sure you understand what you are covered for, please read this policy of insurance carefully including this booklet, your certificate and schedule. You should pay special attention to the general terms, exceptions and conditions. If you have any concerns or questions, you should contact us. This policy is a contract of insurance between you and us and shows the terms, exceptions and conditions to which both you and we agree. We will provide you with insurance cover for your vehicle and drivers, for the period of insurance shown on the schedule within the territorial limits. In return you must provide us with accurate and complete answers to the information we have asked for, update this information if anything changes, follow the requirements in your policy and pay the premium we ask for on time. Comprehensive cover section 1 (Loss of or damage to the insured vehicle), section 2 (Liability to other people) and section 4 (Breakdown assistance) of this policy apply. Third-party, fire and theft cover section 1 (Loss of or damage to your vehicle caused only and directly by fire, lightning, explosion, theft or attempted theft). Sections 2 and 4 of this policy also apply. The general definitions, general exceptions and general conditions apply to all levels of cover. Optional cover section 3 (Windscreen cover) and section 5 (Motor legal protection) only apply if they are shown on the schedule. Your insurance cover The parties involved in this policy contract are you and us. Nothing in this policy will give anyone else any rights under the Contracts (Rights of Third Parties) Act 1999 and no change to this policy, nor any other agreement will create any rights unless we say so. This does not affect any right anyone may have not related to this act. 2 3

4 General definitions General definitions Wherever words or phrases appear in bold in this policy, they will have the meaning described in the General definitions section, unless otherwise shown in any policy section. Accessories - Parts or products specifically designed to be fitted to your car, but not including personal belongings, child car seats, car audio, parking systems, phone, phone system, in-car entertainment or satellite navigation systems. Business - Your occupation as described on the schedule. Certificate - The document titled Certificate of motor insurance which is evidence that you have taken out motor insurance needed by law which shows who can drive the vehicle and the purposes of use. Courtesy car - A vehicle that we may provide, if you have comprehensive cover, while your vehicle is being repaired by our recommended repairer. Driver - A driver identified on the schedule (driver restrictions may apply) and in charge of your vehicle even if they were not driving at the time of an accident or loss. Excess - The amount you must pay towards any claim even if the incident is not your fault. Market value - The cost of replacing your vehicle with one of the same make, model and similar age, mileage and condition at the time of the accident or loss. Period of insurance - The period of insurance shown on the schedule or until cancelled. Each renewal represents the start of a new period of insurance for which we agree to insure you. Policy - This policy for motor insurance together with your schedule and the certificate of motor insurance. Recommended repairer - A repairer from our approved network that we authorise to repair your vehicle. Schedule - The document which identifies the policyholder and sets out details of your policy cover. Technology equipment - Permanently fitted equipment provided by the manufacturer (including dealer-fitted equipment at the time you buy the vehicle from brand new). This can include car audio, parking system, telephone system (but not the phone), in-car entertainment and satellite navigation systems. Territorial limits - England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands or while your vehicle is being transported by sea, air or rail (including loading or unloading) between these places. Vehicle - The vehicle described in the schedule of this policy and any vehicle: you have given us details of; we have provided a certificate of insurance for; for which the insurance is still in place; and or courtesy car provided by our recommended repairer network once you have told us the registration number. You, your - The person named as the policyholder on the schedule. We, our, us - Liberty Insurance Limited, trading as Quinn Direct. 4 Section 1 Loss of or damage to the insured vehicle What is covered This section covers loss of or damage to your vehicle including technology equipment and its accessories. You will only be insured for damage arising from an accident or malicious damage if your schedule shows that you have comprehensive cover. You will only be insured for damage or loss arising from a theft of or from your vehicle (including attempted theft) or as a result of a fire (including lightning and explosion) if your schedule shows that you have either comprehensive or third-party, fire and theft cover. How we settle claims Section 1 Loss of or damage to the insured vehicle You must let us know immediately about any incident involving loss or damage to your vehicle. You must not pay or agree to pay any expenses to repair any damage without getting our authority beforehand and you must not get rid of the vehicle without our permission. If your vehicle is lost, stolen or damaged, we will do one of the following. Pay for your vehicle and accessories to be repaired. Replace your vehicle and accessories. Pay a cash amount equal to the loss or damage to your vehicle and accessories allowing for loss in value and wear and tear. The most we will pay for your vehicle will be its market value at the time of the loss but not more than the value shown on your schedule. We may use suitable parts, recycled parts or accessories not supplied by the original manufacturer. If you use our recommended repairer, you will benefit from our recommended repairer s guarantee for the lifetime that you own the vehicle. If replacement parts are not available or are out of stock from your vehicle manufacturer s European representative or agents, you will have to pay the extra cost of transporting them from elsewhere. If your vehicle is not built to UK specification and any part, spare part or accessory becomes unavailable in the UK, we will not pay for the extra costs due to its unavailability including increased storage costs. If we settle a claim under this section as a total loss, the lost or damaged vehicle becomes our property. A total loss is where your vehicle is, in our opinion, no longer economical to repair, cannot be repaired or has been stolen and not found. If your vehicle has a personalised registration number, and you do not tell us immediately that you want to keep the registration number, we will get rid of it with your vehicle. If your vehicle is under a hire-purchase or leasing agreement, we may repair or replace your vehicle or pay the legal owner for any loss or damage. We will then have no liability for the loss or damage. 5

5 Section 1 Loss of or damage to the insured vehicle New vehicle replacement If within 12 months of you having originally bought your vehicle as brand new in the territorial limits, it is damaged and the cost of repairs is more than 60% of the manufacturer s list price on the date of loss, including taxes, or it is stolen and not recovered, we will replace it with a new vehicle of the same make and model. However, we will not pay for a replacement vehicle if the replacement cost is more than the value shown on your schedule. If we settle a claim under this clause, the damaged vehicle becomes our property. We will only do this if a replacement vehicle is available and if you or the legal owner agree. If a replacement vehicle is not available, we will pay the market value of your vehicle immediately before the loss happened, as long as it is not more than the value shown on your schedule. Recovering the vehicle If you have an accident which gives rise to a valid claim under this section of your policy within the territorial limits and as a result your vehicle is no longer roadworthy, we will also pay the reasonable cost of protecting your vehicle and moving it to our nearest recommended repairer. We will also pay the reasonable cost of delivering your vehicle to you within the territorial limits after the repair. However, we will not pay more than the reasonable cost of transporting your vehicle to your address, as shown on your schedule. If you have a theft or attempted theft which gives rise to a valid claim under this section of your policy, we will pay for the reasonable cost of transporting your vehicle to your address, as shown on your schedule. We will not pay to return your vehicle following a theft or attempted theft unless your vehicle is found and recovered within the territorial limits. Extra benefits under section 1 Loss of keys If your vehicle keys, keyless entry system or lock transmitter of your vehicle are lost or stolen, we will pay up to 300 for the cost of replacing: a the door and boot locks; b the ignition and steering lock; and c the lock transmitter; This applies as long as we are satisfied that the person who may have your vehicle keys or keyless entry system knows where your vehicle is. Personal accident Comprehensive cover only We will pay you or your legal representative 5,000 if you are accidentally injured while travelling in or getting into or out of your vehicle and within three months this injury alone results in: a death; b permanent loss of sight in one or both eyes; or c loss of one or more limbs above the wrist or ankle. The most we will pay in any one period of insurance is 5,000. We will not pay this benefit for: 6 a any injury or death resulting from suicide or attempted suicide; b any injury or death from you not correctly wearing a seat belt; or c anyone who is convicted for driving while under the influence of drugs or alcohol at the time of the accident. Medical expenses Comprehensive cover only We will pay for medical expenses up to 100 for each person travelling in your vehicle who is injured if your vehicle is involved in an accident as long as there is no cover in force under another motor insurance policy. Hotel expenses Comprehensive cover only If your vehicle cannot be driven after an accident or loss covered under this section of your policy, we will pay up to 50 for the driver (or 100 for all the people in your vehicle including the driver) towards the cost of hotel expenses for an overnight stop if this is necessary. Courtesy car cover - Comprehensive cover only If your vehicle is repairable under this section of your policy, and if one is available, we may provide you with a courtesy car while your vehicle is being repaired by one of our recommended repairers. If your vehicle is not driveable but is repairable, we will aim to provide you with a courtesy car within three working days of accepting that you have a valid claim under this section of the policy. The courtesy car will be automatically insured under this policy, once you tell us the registration number, if it is supplied by one of our recommended repairers. If the courtesy car is lost or damaged, we will have total control of how and where the courtesy car is repaired or replaced. We will not pay for: a a courtesy car if you do not agree to have your vehicle repaired at our recommended repairer; b use of a courtesy car outside the territorial limits; c the cost of fuel; d an incident causing loss or damage to the courtesy car the total cost of all excesses shown on your schedule which applies to your vehicle which has been temporarily replaced; e collection and delivery charges; f Section 1 Loss of or damage to the insured vehicle all charges and costs where the courtesy car is not returned on time after repairs have been carried out to your vehicle; g for any extra costs for use of a car that is better than our standard courtesy car (our standard courtesy car is usually a class-a vehicle); h all charges and costs where the courtesy car is not returned on time following a request from us as a result of your vehicle being declared a total loss. 7

6 Section 1 Loss of or damage to the insured vehicle Section 1 exceptions These exceptions apply as well as those listed in the general exceptions of your policy. We will not cover: 1 the total cost of all excesses shown on your schedule. The excesses will be increased as shown on your schedule if you choose not to use our recommended repairer; 2 wear and tear, rust, corrosion, loss in value, deterioration over time; 3 mechanical, electrical, hardware or software failure breakdown or breakage; 4 loss or damage due to using the incorrect fuel or lubricant in your vehicle; 5 loss or damage due to water freezing or due to water or oil over-heating; 6 damage to tyres caused by road punctures or cuts or bursts; 7 damage to your vehicle or its accessories caused by the contents or goods carried in or on it; 8 loss or damage due to any government, police, public or local authority legally taking, keeping, disposing of or destroying your vehicle; 9 loss of or damage to personal belongings; 10 loss of use or other indirect loss such as loss of earnings or travel costs; 11 any repair or replacement that improves your vehicle to a better condition than before the loss or damage; 12 loss of fuel or road excise licence (car tax); 13 damage to your windscreen or any other windows in your vehicle under this section of your policy if there is no other damage to your vehicle; 14 loss or damage as a result of deception or fraud; or 15 loss or damage arising from theft or attempted theft if: a the theft or attempted theft has not been reported to the police within 48 hours of you becoming aware of it (you must also get a crime reference number); b your vehicle was not switched off, properly locked or if any window, roof opening or removable roof panel was left open or unlocked; c the key or keyless entry system is left in or near your vehicle while unattended; d the person driving was doing so with your permission; or e your vehicle is taken without your permission by a member of your family, anyone who normally lives with you or by your employee, unless they are charged with taking your vehicle without your permission.. 8 Section 2 Liability to other people Definition The following definition applies to this section only and applies as well as those listed in the general definitions of your policy. For the purpose of your insurance under this section, an insured person is defined to include any one of the following. 1 You. 2 Any person driving your vehicle who is entitled to do so under your current certificate. 3 The employer or business partner of any person if business use is allowed by the certificate. This applies as long as your vehicle does not belong to that person and is not hired or leased by or to them. 4 Any person using but not driving your vehicle with your permission for social, domestic and pleasure purposes. 5 Any person travelling in or getting into or out of your vehicle. 6 The legal representative of anyone covered under this policy (following the person s death) but only for the liability of the person who has died. We will insure the insured person against legal liability for damages including all related legal costs and other expenses for death or bodily injury to any person and damage to property arising as a result of an accident by or in connection with your vehicle. We will not pay more than 20,000,000, including legal costs and other expenses, for damage to property due to one or more claims arising from a single event. Driving other cars Section 2 Liability to other people If your certificate says so, we will extend cover only to you for your liability to other people while you are driving any other private motor car on an occasional basis, as long as: 1 you, your husband, wife or partner or your employer do not own the vehicle and it is not hired to you or them under a hire-purchase or lease agreement; 2 you currently hold a full UK or EU licence; 3 the use of the car is covered by your certificate; 4 the owner of the car has valid insurance in force for that car which does not cover you to drive the car; 5 you have the owner s permission to drive the car; 6 the car is in a roadworthy condition; and 7 you still own your vehicle which is in roadworthy condition. If your vehicle is not in roadworthy condition, it must be being repaired and neither be beyond cost-effective repair, nor in storage waiting for repairs, or not stolen or sold. This driving other cars extension applies only while the car is being driven within the territorial limits and only to private passenger cars. It does not include: vans; vehicles with more than eight seats; car-vans (in other words, a vehicle that has no fixed seats in the back); pick-ups; jeep-type vehicles with no seats in the back; and vans adapted to carry passengers. 9

7 Section 2 Liability to other people Trailers We will extend the cover provided by this section to meet the requirements of the Road Traffic Acts if an insured person uses any caravan or trailer which they own, have hired or have borrowed while being towed by or attached to your vehicle insured under this policy. The terms, conditions and exceptions of the policy still apply. Legal costs We will pay for the following legal costs related to an event that is covered by this section. a Fees for a solicitor we agree and appoint to represent an insured person at a coroner s inquest or fatal accident enquiry. b The reasonable cost of fees for legal services that we arrange to defend an insured person if we decide there is a reasonable chance of success against a charge of manslaughter, causing death by careless or dangerous driving, or in a magistrate s court against allegations arising due to a collision. Emergency treatment We will pay for emergency treatment fees as set out in the Road Traffic Acts, following an accident involving any vehicle for which we provide cover. Any claim under this clause will not affect your no-claims bonus. Section 2 exceptions These exceptions apply as well as those listed in the general exceptions of your policy. 1 We will not cover loss of or damage to any property owned by or in the charge of you or any other person we have insured under this section. 2 We will not cover any loss or damage to any caravan, trailer or other vehicle, or to any contents of caravans, trailers or other vehicles while being towed by or attached to your vehicle. 3 We will not cover any claim for loss or damage to a car or its contents being driven under the Driving other cars extension to this policy. 4 We will not cover death or injury to any person which arises out of the course of their employment by any insured person, except where it must be covered under the Road Traffic Acts. 5 If an insured person has any other insurance covering the same liability, we will not pay more than our share of the claim. Section 3 Windscreen cover (optional) This section only applies if it is shown on your schedule. We will pay the cost of repairing or replacing damaged or broken glass in the windscreen or windows of your vehicle, as long as there has not been any other loss or damage to your vehicle. (If your vehicle is also damaged, you may be covered for damage to windows or windscreen under section 1 of this policy.) Claims under this section will not affect your no-claims bonus. If you need your windscreen repaired or replaced, you should call our approved windscreen specialists on the windscreen helpline number We will need to confirm all claims before any repair or replacement work is carried out. Section 3 exceptions (These exceptions apply as well as those listed in the general exceptions of your policy.) We will not pay for: 1 the excess shown on the schedule (the windscreen excess), this excess will apply if the glass is repaired or replaced; 2 more than 100 for replacement or 35 for repair if the work is not carried out by our approved windscreen specialists; 3 damaged or broken glass to vehicles that are temporarily covered; 4 damage caused by wear and tear or negligence; 5 damage or broken glass in sunroofs, glass roofs or panoramic roofs; 6 more than 1,000 in any one period of insurance; 7 more than two claims in any one period of insurance; or 8 storage costs while waiting for repairs or replacement of any glass to take place. 24-hour windscreen helpline: Republic of Ireland Section 3 Windscreen cover (optional) United Kingdom 10 11

8 Section 4 Breakdown assistance Section 4 Breakdown assistance Breakdown assistance only applies to vehicles up to 15 years old. Definitions The following definitions apply to this section only and apply as well as those listed in the general definitions of your policy. a Driver - You or any person other than you driving your vehicle who is insured to drive your vehicle under this policy and is driving with your permission at the time of the breakdown. b Passengers - Up to six non-fare-paying passengers (not including hitchhikers) in your vehicle at the time you or a driver needs help for a covered breakdown. c Labour - The cost of the call-out and up to one hour s labour charged by the repairer we instruct, as long as the repair is carried out at the scene and not at the repairer s premises. d Breakdown - Mechanical breakdown, flat battery, fire, attempted theft, malicious damage, punctures that need help to fix or replace a wheel, lost keys, stolen keys, failure of keyless entry systems, keys broken in the lock or locked in your vehicle. e Trailer - A caravan or trailer towed by your vehicle. Benefits We will provide breakdown cover under this section when your vehicle insured under this policy is being driven within the territorial limits or in the Republic of Ireland. If your vehicle cannot be driven as a result of a breakdown, we will arrange and pay for: 1 one hour s labour at the roadside or at your home; and 2 towing your vehicle together with a trailer to the nearest competent repairer that we choose or to a garage of your choice if nearer, within 25 miles of where your vehicle suffered the breakdown. Using this breakdown assistance will not affect your no-claims bonus. Completing the journey If the repairs cannot be completed where your vehicle broke down and the driver is at least two miles away from home, as long as we agree beforehand, we can arrange and pay up to 100 for one of the following. In England, Scotland and Wales, the Isle of Man and Channel Islands 1 Transport for the driver and passengers (not including hitch-hikers) to the planned destination within the territorial limits. 2 Use of a replacement vehicle for up to 48 hours while repairs are being carried out. 3 Bed-and-breakfast-only accommodation for one night only while repairs are being carried out. If your vehicle is repaired, we will also provide the cost of public transport for you or the driver who was driving your vehicle at the time of breakdown to collect your vehicle. 12 Section 4 Breakdown assistance In the Republic of Ireland and Northern Ireland 1 A replacement car for up to 48 hours, up to If the car cannot be repaired before the departure date, we will cover the cost of towing the car to the port you are leaving from, up to 250. The help we provide depends on the options available to us at the time. Depending on the incident, we will decide what is the most suitable form of help. If you do not accept our decision, we will not pay more than the cost of the help we recommended. We will not be responsible to you if we are not able to provide the services set out in this section due to: a the car-hire conditions for a replacement car (including the driver having a full driving licence without endorsements, a credit-card deposit and the car being returned to the pick-up point); b government control or restrictions; c any other act or failure to act of any local, police, national or international public authority (including the government), or any supplier, agent or other person; d labour disputes or difficulties; e any other cause beyond our reasonable control. Passing on messages We will pass on up to two urgent telephone messages for you. Theft of a vehicle in England, Scotland or Wales If your vehicle has been stolen and not recovered by the end of the working day that the theft happened, we will arrange and pay to transport any insured person (driver and the passengers to one location) on one direct journey to your address or the original destination within the territorial limits. Section exceptions These exceptions apply as well as those listed in the general exceptions of your policy. We will not pay under this section: 1 if your vehicle has not been maintained in line with the manufacturer s recommendations and not kept in a roadworthy condition; 2 for any expense or help that has not been authorised through our 24-hour helpline; 3 if your vehicle was more than 15 years old when your policy began; 4 if your vehicle and driver are not insured under this policy; 5 if the driver does not keep to, or your vehicle is not being used in line with, all policy terms, conditions and exceptions; 6 to recover any vehicle or trailer which has a maximum legal laden weight over 3,499kg or is more than 7 metres long, 3 metres high or 2.25 metres wide; 7 for liability, damage or loss arising from any act carried out in providing an assistance service; 8 for expenses or losses that you or anyone else who is claiming a payment for under this section can claim from any other source; 13

9 Section 4 Breakdown assistance 9 if the claim resulted from a deliberate act committed by you, a driver or passenger; 10 for the cost of repairing your vehicle other than the labour; 11 for the cost of any parts, keys, lubricants, fluids or fuel needed for your vehicle; 12 if the claim was caused by fuels or other flammable material, explosives or poisonous substances carried in your vehicle; 13 if the claim is due to your vehicle carrying more passengers or towing a greater weight than which it was designed for, or from driving your vehicle on unsuitable ground; 14 for repeated claims relating to the same cause within 28 days if a repair has not taken place to correct the fault; 15 for more than three call-outs during each period of insurance; 16 if the date of the incident is outside the period of insurance; or 17 if the breakdown is the result of an accident. 24-hour breakdown assistance helpline: Republic of Ireland United Kingdom Section 5 Motor legal protection (optional) This section only applies if it is shown on your schedule. Definitions The following definitions apply to this section only and apply as well as those listed in the general definitions of your policy. a Insured person - You or any person who is insured to drive your vehicle under this policy and is doing so with your permission. b Representative - The solicitor, or other suitably qualified person, who is appointed to act for the insured person under this policy. c Costs and expenses - This includes: Legal costs: and all reasonable and necessary costs the representative charges on a standard basis. (The predictable costs scheme applies to road traffic accidents which are settled by negotiation before court proceedings are issued for claims up the value of 10,000. The rules set out how legal fees are worked out for these cases.) Opponents costs: Costs of opponents in civil cases if the insured person has been ordered to pay them, or pays them with our agreement. d Uninsured losses - An insured person s expenses or compensation claims (or both) that are not covered by any insurance policy. Cover Section 5 Motor legal protection (optional) 1 This section covers the insured person. We agree to provide cover as long as all of the following apply. a The premium has been paid. b The date of the incident is during the period of insurance and it happened within the territorial limits or the Republic of Ireland. c Any legal proceedings will be dealt with by a court or other organisation we have agreed within the territorial limits. d It is more likely than not in our opinion that the insured person will successfully recover damages, win an appeal or get another legal solution to which we have agreed. 2 Following an insured incident: a we will pay only the costs and expenses charged by the representative appointed; b we will help in appealing or defending an appeal as long as the insured person tells us within the legal time limits allowed that they want us to appeal; and c the most we will pay for all claims resulting from one or more events arising at the same time, or from the same cause, is 50, We will negotiate to recover the insured person s uninsured losses and costs following a collision between your vehicle and another vehicle which: a causes damage to your vehicle or to personal belongings in it; or b injures or kills the insured person while he or she is in or on your vehicle

10 Section 5 Motor legal protection (optional) Legal advice helpline We will give an insured person legal advice during the period of insurance. To help us check and improve our service standards, we record all calls. To contact the legal advice helpline, phone telling us your policy number. Please do not use this helpline to report an insurance claim. Section 5 exceptions These exceptions apply as well as those listed in the general exceptions of your policy. We will not pay under this section: 1 if the insured person caused the accident or loss deliberately or accidentally; 2 for a claim reported to us more than 80 days after the insured person should have known about the incident; 3 for an incident which takes place before cover starts under this section of the policy; 4 for costs and expenses paid before we accepted a claim; 5 for a claim or costs relating to any contract involving your vehicle; 6 for costs involved in disagreements between you, other insured people or us in connection with this policy; 7 for any fine, penalty or compensation or damages, the insured person is ordered to pay by the court or other authority; 8 for costs if an insured person withdraws instructions from the representative or withdraws from proceedings without our permission; 9 for claims due to any vehicle faults including computer and electronic faults whether or not this is due to a faulty or incomplete service or repair; 10 for any legal action an insured person takes to which we or the representative have not agreed or if an insured person does not follow our advice or that of the representative. Section 5 Motor legal protection (optional) e The insured person must give the representative any instructions that we need. 3 a The insured person must tell us if anyone offers to settle a claim. b If the insured person does not accept a reasonable offer to settle a claim, we may refuse to pay further costs and expenses. c The insured person must not negotiate or agree to settle a claim without our approval and if they do, we will be entitled to reclaim any costs and expenses that we have already paid. d We have the right to pay the insured person the amount of damages that the insured person is claiming, or which is being claimed against them, instead of starting or continuing legal proceedings. 4 a The insured person must tell the representative to have costs and expenses taxed, assessed or audited, if we ask for this. b The insured person must take every step to recover costs and expenses that we have to pay, and must pay us any costs and expenses that are recovered. 5 If the representative refuses to continue acting for the insured person, or if the insured person dismisses the representative, the cover we provide will end immediately, unless we agree to appoint another representative. 6 If there is a disagreement between you, the other insured people or us in handling a claim under this section, the matter will be referred to arbitration. The arbitrator will be a suitably qualified person chosen by everyone involved in the disagreement. If we cannot agree, the arbitrator will be appointed by the president of The Law Society of England & Wales or The Law Society of Scotland. 7 We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this section of the policy did not exist. Section conditions These conditions apply as well as those listed in the general conditions of your policy. 1 The insured person must do the following. a Try to prevent anything happening that may cause a claim. b Take reasonable steps to keep any amount we have to pay as low as possible. 2 a We can take over and carry out, in the name of the insured person, any claim or legal proceedings at any time. We can negotiate any claim on behalf of the insured person. b The insured person may choose a representative (by sending us a suitably qualified person s name and address) if: i we agree to the representative; and ii there is a conflict of interest between the insured person and us. Any representative you choose must act in line with our standard terms of appointment. c We can have direct contact with the representative. d The insured person must co-operate fully with us and the representative and must keep us up to date with the progress of the claim

11 General exceptions which apply to the whole policy General exceptions which apply to the whole policy These general exceptions apply to all sections of this policy. We will not provide cover for or pay any claim, injury, liability or expense arising directly or indirectly from any of the following. 1 Any accident or loss: a if your vehicle is being driven by or used for a purpose not described on the certificate of insurance. b if you or the driver does not keep to all policy conditions, terms and endorsements; or c if your vehicle is not used in line with all policy conditions, terms and endorsements. d If your vehicle is used by an insured person for criminal purposes or deliberately to cause harm, loss or damage. 2 Any claim unless the driver: a holds a current valid licence to drive the vehicle; and b meets the conditions and any limits of the driving licence. 3 If the insured person has any liability or obligation under a contract which they would not have had if the contract did not exist. 4 Anything caused: a by pressure waves from aircraft and other flying objects travelling at or above the speed of sound; b by or as a result of an earthquake or underground fire; c by pollution or contamination, unless it is caused by a sudden, identifiable, unexpected and accidental incident which happens during the period of insurance; d as a result of using your vehicle at any event during which your vehicle may be driven on a motor racing track, derestricted toll road (with no maximum speed limit) or at any off-road event for example, on derestricted toll roads (such as Nurburgring Nordschleife); e by using your vehicle in or on any area where aircraft normally land, take off, move or park or which is used for customs examinations or by aircraft ground-support equipment; f by ionising radiation or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from burning nuclear fuel; or g by the radioactive, poisonous, explosive or other dangerous properties of any explosive nuclear equipment or any part of it. 5 Claims when your vehicle is being driven or used: a and is not taxed or is not registered in the United Kingdom (UK) with the DVLA unless your vehicle is in the process of being registered with the DVLA; b and is normally kept outside of the territorial limits; c other than as shown on your certificate; d for hiring out (for example, for money); e for any form of racing, competition, trial or rally (other than road-safety rallies); f for carrying passengers for hire or reward; or g for any purpose in connection with the motor trade. General exceptions which apply to the whole policy 6 Any claim caused by or due to controlling or suppressing war, invasion, riot (outside of England, Scotland, Wales, Northern Ireland, Isle of Man and Channel Islands), strike, revolution, looting or pillaging unless we have to provide cover legally needed under the Road Traffic Acts. 7 Any claim caused by any government, public or local authority confiscating, legally taking or destroying your vehicle. 8 Claims caused directly or indirectly by terrorism as defined in the Terrorism Act 2000 (or amendments to it), unless we have to provide cover under the Road Traffic Acts. 9 A claim if the driver named on the schedule is found to have been driving your vehicle under the influence of drugs or alcohol at the time of the accident or loss, unless we have to provide cover under the Road Traffic Acts

12 General conditions which apply to the whole policy General conditions which apply to the whole policy These general conditions apply to all sections of this policy. Your responsibilities 1 You must take all reasonable care to provide accurate and complete answers to the questions we ask when you take out, renew or make changes to your policy. You must also provide all supporting documents that we ask for and pay your premiums as we have agreed with you. If the information you provide is not accurate or not complete or you do not provide the documents we ask for or you do not pay your premium on time as agreed, we may do the following. We can: a treat the policy as if it had never existed (make it void); b cancel your policy; c withhold any premium you may be due back; d change your premium; e change the terms or extent of your cover including but not limited to removing one or more drivers or introduce or change your excess; f charge an administration fee; g not pay any claim in full or in part; or h be entitled to recover from you the total amount of any claim we have paid plus the cost of any claim we will have to pay under the Road Traffic Acts and any administration costs. 2 We will only make a payment under this policy if you or any other person insured by this policy meet all the terms, conditions and endorsements of this policy. Policy changes 3 You must tell us immediately if: a you plan to buy a new or replacement vehicle before you change vehicles; b you sell or get rid of your vehicle (at which point insurance cover for your vehicle will end and you must return the certificate of insurance to qualify for any refund of premium we may allow); c the vehicle changes ownership; d you plan to change the people insured or to be insured to drive your vehicle; e your or any driver s driving licence or driving entitlements change (including your or any driver s licence changing from provisional to full); f you or any driver covered by this policy are charged or convicted of a nonmotoring or motoring offence including any fixed penalty offences (other than for parking); g you or any driver change business or occupation; h you become aware of any medical or physical condition of any driver on the policy that may affect your or their ability to drive; i you change the address at which you normally keep your vehicle; j you or anyone covered by this policy have a motoring accident (including fire and theft) in this vehicle or another vehicle (unless you were not responsible for the vehicle at the time); General conditions which apply to the whole policy k you modify your vehicle or plan to make changes to your vehicle that changes its value, performance or attractiveness to thieves; l you want to change the way you use your vehicle to include any use not shown on your certificate of insurance; m your vehicle is no longer roadworthy; n you choose to get a SORN (statutory off-road notification) for your vehicle. This is not a full list and you should tell us about any change even if you are not sure whether it may affect your policy or premium. When you tell us about a change, we will tell you if this affects your policy, whether we are able to accept the change and if this results in a change to your premium or the terms of your policy cover. If there are any changes to your policy details or the terms of your policy change, there may be an administration fee as shown on your schedule. We do not refund any amounts less than 20, and we will not charge any extra amounts less than 20. We will only refund any premium if: a no claim or loss has arisen during the current period of insurance (for which we have paid out or expect to pay out and not fully recover the money paid out) under sections 1 or 2; and b we have received all the documents we need to carry out the change. If you ask us to reissue documents, we may charge an administration fee as shown on your schedule. Claims 4 a You must report to us, as soon as possible, any accident, injury, loss or damage involving your vehicle or any other vehicle which is insured under this policy. We may send you an accident report form, which you must fill in accurately and completely and return as soon as possible. b For loss of or damage to your vehicle as a result of theft, attempted theft or malicious damage, you must immediately contact the police and give us the crime reference number. The police report must say that the loss or damage was the result of theft, attempted theft or malicious damage. c You must also write and let us know as soon as you become aware of any current or future prosecution or inquest in connection with any event for which there may be any claim, loss or liability under this policy. d You or any insured person must immediately send us any correspondence (for example, letters from solicitors and court documents) relating to any incident without signing or answering it. e You, or any other insured person must give us all the help we need. You must give us all relevant information and documents and must not harm our interests. Below are some examples of information or documents that we may ask for. Details of the other person involved in the incident; witness details, statement of events; correspondence; driving licences; proof of address; V5C (Vehicle Registration Certificate); MOT (Ministry of Transport test); SORN (Statutory Off-Road Notification); proof or purchase (or lease); service book; receipts; invoices and finance documents. f You must never accept responsibility or offer or promise payment without our written permission

13 General conditions which apply to the whole policy g We will have full control in all matters in relation to negotiating, arbitration, proceedings and settling each claim. We will be entitled to take over and carry out in your name (or in the name of any other insured person) the defence or settlement of any claim. We may prosecute, in your name or in the name of any other person (at our expense and for our benefit), to recover any amount we have paid. We will be able to decide how any proceedings or settlements are handled. We can ask anyone who wants cover under this policy to appear in court if we reasonably ask so we can support, defend or settle this claim. h If you make a claim, we are entitled to instruct, and give information about you and your policy, to other people such as suppliers, private investigators and loss adjusters. i If the vehicle to be repaired is a courtesy car, it must be repaired by our recommended repairer. 5 If, at the time any claim arises under this policy, there is any other insurance covering the same accident, injury, loss, damage or liability, we will only pay our share of any loss, damage, compensation, costs or expenses. 6 If, under the law of any country, we have to make a payment which we would otherwise not have made under this policy, we may recover any payment from you or from the person who the claim was made against. 7 If you make a claim and you owe any premium or are paying by instalments, you must pay the full yearly premium for the current period of insurance. We have the right to take any premium owed from any claim we may pay, which arises to you under this policy. If you cancel the policy 10 You may cancel the policy at any time by writing to us and returning your certificate of insurance. If you are not satisfied with the terms or conditions of your insurance policy, you have the right during the cooling-off period to cancel the policy within the first 14 days of receiving your policy documents. If you choose to cancel the policy during the cooling-off period, you must return your certificate of insurance (under the Road Traffic Act, it is an offence not to give back the certificate of motor insurance within seven days of the cancellation date) and must not have had any claims. In these circumstances we will return any premium paid less a charge for the number of days for which cover has been given and a cooling-off fee as shown on your schedule. If you do not cancel within the first 14 days, we will refund the premium you have already paid us for any period of insurance left, less a cancellation fee shown on your schedule as long as: a all the details you have provided us are correct; b no claim or loss has arisen during the current period of insurance (for which we have paid out or expect to pay out and not fully recover the amount we have paid out) under sections 1 or 2; and c you return your certificate of insurance. (Under the Road Traffic Act it is an offence not to give up the certificate of motor insurance within seven days of the cancellation date.) If you cancel your policy after the first 14 days, we will not refund the cost of optional cover. We do not refund any amount which is less than 20 after we charge the cancellation fee. If we cancel the policy 11 We may cancel your policy for a valid reason by sending you 10 days written notice to your last-known address. Valid reasons include the following. a You have not paid your premiums when due despite our attempt to contact you afterwards to chase the outstanding payment. b If you have deliberately or accidentally misrepresented the facts given to us to do with your policy. c If we reasonably suspect fraud. d You do not provide appropriate documents as evidence of the facts you have given to us (including no-claims bonus) within 21 days of our first request. e If you fail to meet any of the general conditions of your policy. f If we cannot continue cover due to changes in your policy details. g If you behave inappropriately towards our staff, service providers or agents. Cancelling your policy means you will not be covered from the time and date we state for the cancellation. You must immediately return to us your certificate of insurance to avoid any action we may take against you to get it back. When we receive your certificate back, we will refund the premium you have already paid us for any period of insurance left, less a cancellation fee as shown on your schedule. We will not refund the costs of any optional cover that you have bought. We will not refund any amount which is less than 20. Foreign use General conditions which apply to the whole policy 12 Your policy provides insurance within the territorial limits. It also provides the minimum cover you need by law to use your vehicle in: a any country which is a member of the European Union (EU); and b any other country which has made arrangements to meet the minimum insurance requirements of the Commission of the European Union (EC Directive 2009/103/EC). These countries are: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy (including San Marino and Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein). We will automatically extend your cover to provide full policy cover (as shown in your schedule) for these countries for up to 93 days in any one period of insurance. The following cover does not apply while you are using your car abroad. a Driving other cars (Section 2 Liability to other people) b Section 4 Breakdown assistance If you need cover for a longer period or if you want to travel to any other country, you must: 22 23

14 General conditions which apply to the whole policy a ask us to extend your cover before the date you leave; b tell us the date you will be leaving the territorial limits and the date you will be returning; c tell us which countries you will be visiting; and d pay any extra premium necessary. Fraud 13 You and anyone else acting for you or insured under this policy will lose any rights under the policy if you or they: a provide fraudulent or misrepresentative information for example, an incorrect address, no-claims discount, date of birth, licence, and so on when applying for, renewing or amending a policy; b act fraudulently or exaggerate the claim; c provide information to support a claim that is not true and complete; d provide false or stolen documents; e deliberately fail to tell us of some or all facts relating to a policy or claim; or f make a claim for loss or damage caused by your or their deliberate act or with your knowledge or involvement. We may take one or more of the actions described in clause 1 of the general conditions. We may also prosecute you or any person acting for you or insured under this policy. We may also tell the police, other lawenforcement agencies, other companies in the Liberty Mutual Insurance Group, other insurers and their agents, credit-reference agencies, fraudprevention agencies, government agencies, regulatory authorities and other organisations concerned with fraud. b The passengers are not being carried as part of a passenger-carrying business. c The total contributions you receive for the journey do not provide a profit. d The number of passengers (including the driver) is not more than your vehicle manufacturer s recommended limit. Disputes between you and us 16 You or we may refer any dispute between you and us about our liability for a claim or the amount to be paid, to an arbitrator we both agree to, within nine months of the dispute arising. If we cannot agree, the president of a relevant national law society will appoint an arbitrator. The arbitrator s decision will be final and binding on you and us. If the dispute has not been referred to arbitration within nine months, we will assume you have abandoned the claim. Choice of law 17 You and we may choose which law applies to this contract. Unless we agree with you otherwise, this insurance is governed by English law. Currency 18 All money paid under this policy will be paid in pounds sterling. Language General conditions which apply to the whole policy 19 Your policy and all communications between you and us will be in English. Duty of care 14 You or any insured person must: a take all reasonable steps to prevent accidents, injuries, loss or damage; b protect your vehicle against loss or damage; c give us access, at any reasonable time, to examine your vehicle; d not leave your vehicle unlocked while unattended or leave the keys to the ignition with your vehicle while unattended; and e make sure your vehicle is kept in a roadworthy condition and, if necessary, has a valid MOT certificate. For example this may include: your vehicle s tyre-tread depth must be within the legal limits; all lights and mirrors installed on your vehicle must be working properly; and your vehicle s brakes (front and back) must be working correctly. Car sharing 15 You can accept payments as part of a car-sharing arrangement for giving people lifts for social or similar purposes. We will not treat these payments as charging fares as part of a business of carrying passengers as long as all of the following apply. a Your vehicle is not built or adapted to carry more than eight passengers (not including the driver)

15 Customer care Customer care We are committed to providing all our customers with a high standard of service at all times. We realise that things can go wrong and there may be times when you feel our service has let you down. As a valued customer, you have the right to complain. If you want to contact us by phone with your complaint, you can phone us on You will not need to put your complaint in writing unless you want to do so. If you want to make your complaint in writing, you can write to our Customer Service Team at Quinn Direct, Carran Business Park, Enniskillen, Northern Ireland BT74 4RZ or us at info@quinn-direct.co.uk. If you want to make a complaint in writing, please include your name, address, postcode, policy number and claim number, the reason for your complaint and any supporting documents. Please title your correspondence Complaint. Our staff will try to resolve your complaint immediately. If this is not possible, we promise to acknowledge your complaint in writing within one week of receiving it. This acknowledgement will include the contact details of a dedicated person to deal with your complaint. In the unlikely event that we have not dealt with your complaint within four weeks of receiving it, we will write and let you know why and what further action we will take. If you are not satisfied with our decision, or if we have not given you a decision after eight weeks, you may refer your complaint to the Financial Ombudsman Service (FOS). We have to keep to the decision of the FOS but you do not. Any decision from them does not affect your legal rights. The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Phone: or We value feedback and welcome it as an opportunity to improve our service. Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS) which means that you may be entitled to compensation if we cannot meet our obligations to you. Compulsory insurance is covered for 100% of the claim, without any upper limit. Non-compulsory insurance is covered for 90% of the claim, without any upper limit. You can get more information at or by contacting the FSCS direct on or Recording calls We may record all telephone calls for training and quality purposes. Renewal information We will tell you before your renewal date if we are going to offer to renew your policy and the terms on which your policy may be renewed. We will also tell you what you need to do to renew your policy. If you pay your premium by direct debit and we offer to renew your policy, your policy will renew automatically (This means if there have been no changes to the information you have previously given us, you will not need to take any action and your policy will renew automatically on the terms given). Your renewal documents will tell you whether we can renew your policy automatically. Please contact us before your renewal date if you do not want to renew your policy. If you do not tell us and your policy is renewed automatically, we will automatically take payment. If we do not receive your payment, your policy will not be renewed. No-claims bonus We will increase your no-claims bonus for each claim-free period of insurance you have while you are insured by us. If you have a claim during the current period of insurance, we will reduce your no-claims bonus at your next renewal as follows. Current No-claims bonus No-claims bonus at next renewal 1 year 0 years 2 years 0 years 3 years 0 years 4 years 1 year 5 years or above 2 years Renewal information If two or more claims arise in any period of insurance, we will reduce your noclaims bonus to zero when you next renew. The following claims will not reduce your no-claims bonus. a Claims where you are not at fault, as long as we have got back all money we have paid from the person responsible. b Any payment made under: section 3 (Windscreen cover), section 4 (Breakdown assistance) and section 5 (Motor legal protection). c Any payment only for emergency treatment fees under section 2 (Liability to other people). You cannot transfer your no-claims bonus to anyone else and it may only be used on one vehicle at a time

16 Renewal information Protected no-claims bonus You can pay an extra premium for a protected no-claims bonus extension once you have earned a no-claims bonus of four years or more. We will not reduce your no-claims bonus as long as no more than one claim arises on your policy during the period of insurance for which the extra premium applies. If you make a claim and we do not reduce your no-claims bonus, we can take account of any claims made when we work out your renewal premium at your next renewal. Data-protection statement Who is responsible for your personal information? Data-protection statement Liberty Insurance Limited in Ireland is the registered data controller for personal information held under the Data Protection Act This means we have certain responsibilities under the act to protect your information. Quinn Direct is a trading name of the UK branch of Liberty. You should show this notice to anyone who may also be covered by your insurance policy and make sure you have their permission to share their information with us. What details do we collect and why? We will use the information you provide, or we collect, to manage and handle your insurance queries, applications and any policy and related claims. This includes providing insurance for, and handling claims with help from other companies in the Liberty Mutual Insurance Group. To provide you with products and services, we (or our agents or subcontractors) hold information in our systems. We may use your personal information for our business processes and activities including analysis, review, planning and business transactions, dealing with insurance or legal claims, and so we can meet our legal and regulatory responsibilities. We may record or monitor phone calls to protect you and for training and quality purposes. Sensitive details We may need to collect sensitive personal information (such as information about physical or mental health or medical conditions, criminal convictions and pending proceedings, and bankruptcy or debt details) about you and others named on the insurance policy and other people involved in a claim. By taking out a Liberty insurance policy or by giving us your personal information, including sensitive personal information, you will be agreeing that we, our agents, other insurers and the other people we describe in this notice may process this information. Credit-reference checks and fraud-prevention, anti-money-laundering and counter-terrorism financing checks We may carry out a number of checks (before issuing a policy, when renewing a policy, or when we receive new information) against the details provided for the purpose of preventing fraud, money laundering, checking the credit status of you and others and for the purpose of assessing risk. We may share the results of these checks with other companies in the Liberty Mutual Insurance Group, other insurers and their agents, credit-reference agencies, fraud-prevention agencies and others concerned with fraud, the police and other law-enforcement agencies, government agencies or regulatory authorities. We may use this information to help us assess risk and credit and in our insurance decisions and to meet our legal and regulatory responsibilities. Other companies in the Liberty Mutual Insurance Group may do the same for their own similar purposes

17 Data-protection statement Statistics We may change personal information so that you cannot be identified. That information will then not be covered by this notice or by data-protection law. We may use it for insurance administration purposes including analysing trends, carrying out actuarial work, planning how we deliver services, assessing risk, costs and charges. What details do we share, who with and why? We will only take instructions to change a policy from you, your husband, wife or civil partner or your parent. We will only take instruction to cancel a policy from you. In some cases we may deal with other people contacting us on your behalf as long as we have your permission. If you would prefer that we only deal with you, please let us know. In exceptional circumstances, we may need to deal with other people, for example, if you are incapacitated and if a next of kin contacts us about your policy. We may pass information about you and your claims history to: our agents and service providers and other companies in the Liberty Mutual Insurance Group; vother insurers, either directly or through people acting for us and them (such as loss adjusters or private investigators); other companies in the Liberty Mutual Insurance Group; any agent acting for you; recognised trade, governing and regulatory organisations we belong to or are governed by; the police, other law-enforcement agencies, government agencies or regulatory authorities, and any other person or organisation if this is needed by law; and any other person, where necessary, to perform any insurance contract with you, so we can protect ourselves from risk or to make sure we meet with regulations or good governance. We share information with the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDS Ltd) and the Motor Insurance Anti- Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help us check information provided and also to prevent fraud. Under the conditions of your policy, you must tell us about any incident which could lead to a claim. When you tell us about an incident, we will pass information about it to the register. Your policy details will be added to the Motor Insurance Database (MID) managed by the Motor Insurers Bureau (MIB). MID and the information stored on it may be used by certain government or other authorised organisations including the police, the DVLA, the Insurance Fraud Bureau and other organisations allowed by law for purposes including: electronic vehicle licensing; continuous insurance enforcement (a scheme introduced by the Department for Transport to reduce uninsured driving); law enforcement (preventing and detecting crime and catching and prosecuting offenders); and providing government services or other services aimed at reducing the number of people who drive without insurance. 30 If you are involved in a road-traffic accident (within the territorial limits or any of the countries listed in the section titled Foreign use ), insurers or the Motor Insurers Bureau may search the MID to find relevant policy information. Anyone making a claim in connection with a road-traffic accident may also get relevant information from the MID. The MID must hold your correct registration number. If it is incorrectly shown on the MID, you are at risk of having your vehicle seized by the police. You can check that your correct registration number details are shown on the MID at You can find out more about this from us or by visiting the website at We may also transfer your information to other countries. (You can find more details below.) Where are your details sent? Your personal information, including sensitive personal information, may be transferred to countries outside the EU including to companies in the Liberty Mutual Insurance Group and our and their agents and service providers. We will aim to make sure that the level of protection which applies to your personal information processed in these countries is similar to that which applies in the UK, such as by using an appropriate data-transfer agreement. Contacting you We may contact you with a reminder that your insurance is due to be renewed. We will use the details you have given us to provide information about our products and services and those of other companies in the Liberty Mutual Insurance Group and other companies whose products and services may interest you. However, we will not do so if you have already told us you do not want this information. We may also use your information for these purposes after your policy has come to an end, unless you ask us not to. How we might contact you? From time to time we may contact you using the information you have provided in relation to our products and services by: phone; post; ; or text message. Why might you contact me? We might contact you: about an enquiry you have made; with relevant products or services offers; about your policy or quote; to ask for your feedback or views on the products and services we provide; to tell you about any important changes to our website; and where there is another genuine reason for doing so. How to opt out Data-protection statement You can change your mind about receiving marketing information from us at any time. Each time we contact you electronically with marketing information or a marketing message, you can choose not to receive further marketing 31

18 Data-protection statement information from us to that address or phone number. This is known as an opt-out. If you want to opt-out, please phone us on or us at Please make sure you tell us about any changes to your marketing preferences for each affected address, address or phone number you have registered with us. More information and contacting us You can ask us for a copy of the information we hold about you by writing to our Customer Services Manager (see contact details below) and enclosing a cheque for 10. Please allow up to 40 days for us to send this information to you. You may also ask us to change or delete any information we hold about you. For a full copy of this notice, including more details on how we may use your personal information for credit-reference and fraud-prevention purposes, please see the Security and Privacy Statement which you can view by visiting Or, if you want to ask for a hard copy or have any questions about this notice, please contact our Customer Services Manager at Quinn Direct, Carran Business Park, Enniskillen, Co. Fermanagh BT74 4RZ or info@quinn-direct.co.uk. Reference: GEDQMPPB

19 In the event of an accident Contact our 24 Hour Claims Helpline on Obtain contact details and insurance particulars for other parties involved and the names and addresses of any witnesses to the incident. To protect your legal rights, liability should never be admitted at any stage. Report all incidents to the Police immediately. Our commitment to you We understand that this can be a distressing time for you. Our priority, following your loss, is to ensure your claim s experience is fair, efficient, prompt and transparent. We will immediately appoint a dedicated person to manage all aspects of your claim at no cost to you. Quinn Direct Carran Business Park, Enniskillen, BT74 4RZ Tel: Fax: info@quinn-direct.co.uk GEDQMPPB0415