Your summary of cover. Saga Motor Insurance

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1 Your summary of cover Saga Motor Isurace

2 Your itroductio to Saga Motor Isurace Cotets Your itroductio to Saga Motor Isurace 3 A quick guide to the cover we iclude 4-5 A few key thigs we do t cover 6 Additioal cover optios you ca choose 7 Assistace if you break dow 8 Our claims service 9 Importat iformatio you eed to kow Thak you for your iterest i Saga Motor Isurace. This importat guide gives you a summary of our cover levels ad the additioal optios available. Whe you take out a policy with us you will receive a clear ad cocise Policy Booklet that describes all the terms ad coditios of your isurace cover i detail. It is importat that you read ad check your policy documetatio carefully whe you receive it. If you would like to see a copy of the Policy Booklet, please call , or visit saga.co.uk/motor where you ca dowload a copy. A brief descriptio of our cover levels Comprehesive covers your vehicle for accidetal or malicious damage, theft, damage caused by fire or attempted theft, ad damage to its glass. It also covers claims made agaist you by other people for bodily ijury or damage to their property. Third Party, Fire ad Theft covers your vehicle for theft, ad damage caused by fire or attempted theft. It also covers claims made agaist you by other people for bodily ijury or damage to their property. Third Party Oly covers claims made agaist you by other people for bodily ijury or damage to their property. Saga Motor Isurace receives a 5 Star Ratig Idepedet fiacial research compay, Defaqto, has awarded Saga Motor Isurace Comprehesive cover 5 Stars. This is their highest ratig ad meas that it is a excellet product with a wide rage of features ad beefits. 2 Cotets Your itroductio to Saga Motor Isurace 3

3 A quick guide to the cover we iclude Features ad beefits Comprehesive Third Party, Fire ad Theft Third Party Oly Emergecy ay driver cover if a medical emergecy iterrupts your jourey, ay driver ca take over the drivig or take your car back home Cover for trips abroad we automatically provide the same cover as you receive i the UK whe you or your amed spouse/parter drive i the Europea Uio, for a ulimited period. If your trip takes you outside the EU, we may be able to provide you with a Gree Card (Iteratioal Motor Isurace Certificate). Ulimited audio/visual cover cover agaist fire ad theft for permaetly fitted equipmet such as CD players, factory fitted sat av systems ad reverse parkig cameras. Our Comprehesive policy also icludes ulimited accidetal damage cover for the audio/visual equipmet permaetly fitted i your car. Uisured driver cover If a uisured driver hits your car, through o fault of yours, as log as you supply their vehicle registratio ad the accidet details we'll refud ay excess paid ad your No Claim Discout wo't be reduced. Guarateed replacemet car if you use our repairer etwork followig a accidet i the UK, we guaratee that you will be provided with a replacemet car for up to 14 days while yours is beig repaired or util it is declared a total loss (whichever is sooer). Glass repairs without losig your No Claim Discout if our approved repairers repair your widscree or widows, you wo t have to pay aythig. If replacemet is eeded, you oly pay the stadard 75 excess. I either case, your No Claim Discout wo t be affected Stadard persoal accidet cover if you are seriously ijured as a result of a accidet ivolvig your car, regardless of whose fault it is, we iclude a beefit of up to 5,000 for certai ijuries as stadard. Emergecy accommodatio/get you home cover followig a accidet, it ca be costly ad icoveiet gettig home or fidig somewhere to stay. That s why we provide up to 500 per claim for emergecy accommodatio or travel expeses. 1,000 persoal belogigs cover icludig glasses, laptops, phoes ad clothig carried i your car if they are lost or damaged because of accidet, fire, theft or attempted theft. As you are likely to have additioal items i your car at Christmas, we icrease this cover to 2,000 durig December. Two year ew for old cover if your car is writte off whe it is uder two years old ad you ve owed it from ew, we ll replace it with a brad ew oe of the same make ad model (mileage restrictios apply). Vadalism cover your No Claim Discout will ot be affected by a claim for damage caused by vadals. Medical expeses cover we iclude up to 300 for medical expeses icurred followig a accidet. Child car seat cover i the evet of a accidet we will replace the child car seat that is fitted i your vehicle eve if there is o apparet damage. A quick guide to the cover we iclude A quick guide to the cover we iclude 4 5

4 A few key thigs we do t cover Additioal cover optios you ca choose There are some thigs we ca t cover at all ad some that have certai restrictios or coditios you eed to be aware of. To esure you kow what these are, here s a quick guide. Please refer to your Policy Booklet ad Schedule for full details. For all cover levels Cover for commutig is available for the policyholder ad their spouse/domestic parter (where amed o the policy), but ay additioal drivers are oly covered for social, domestic ad pleasure use. With Emergecy ay driver cover, if you re ot i the car it ca oly be drive straight to your home. If your vehicle has bee seized by, or o behalf of, ay govermet or public authority, your Certificate of Isurace will ot permit you to secure the release of ay vehicle other tha the oe show o your Certificate, idetified by its registratio mark. The excesses show i your Schedule. Some cover may be restricted by edorsemets. If applicable, these will be show o your policy Schedule. for both Comprehesive ad Third Party, Fire ad Theft cover If your vehicle is ot fully locked ad secured with the keys removed while it is uatteded or uoccupied, you will ot be covered for ay theft or attempted theft claims. ad for Comprehesive cover oly To esure a claim uder Vadalism cover does t affect your No Claim Discout, you must provide us with the valid Police crime referece umber ad details of the Police statio the crime was reported to. The first 25 of each glass repair carried out by a glass repairer ot previously approved by us. For a uisured driver claim, you must provide us with the other vehicle s registratio umber, make ad model as a miimum. Uisured driver cover does ot apply to uisured drivers of your ow vehicle. We recogise that our customers drivig habits are all differet ad you may wat specific protectio to suit you. That s why we offer a choice of additioal cover optios. Your Schedule shows which oes you have chose ad if you wat to add ay further optios, please let us kow. Available with all cover levels Legal Protectio If you re ivolved i a motor accidet i your vehicle i the UK that s ot your fault, our claims hadlers will work o your behalf to claim back ay uisured losses from the isurer of the driver resposible for example travellig expeses, loss of earigs ad ay excess you may be required to pay as part of a claim. We will cover ay claims i the UK otified to us withi 180 days of the icidet ad where we have at least a 51% chace of success. Other beefits iclude: Cover to take legal actio i a dispute with a motor trader ivolvig the purchase, servicig or repair of your vehicle A two-hour driver cofidece course if you re ijured i a accidet whilst drivig your vehicle Access to motor-related legal documets, for example to challege a parkig ticket* 20% off other legal services, icludig coveyacig, probate ad Will writig.* *Please ote: these are curretly oly available i Eglad ad Wales. No Claim Discout Protectio If you have spet a log time buildig up a maximum No Claim Discout, the last thig you wat is to lose it because of a claim. With this optio, you ca make two claims over five years without losig your discout. Breakdow Assistace See page 8 for details. Accidet Healthcare If you are ufortuate eough to be ijured i a road accidet i the UK, our Accidet Healthcare optio provides cover of up to 1 millio for prompt private medical treatmet. Cover icludes: I-patiet treatmet i a private hospital (up to 180 days) Out-patiet treatmet Cosultats ad specialists fees Physiotherapy, scas ad tests 100 cash beefit for each ight you sped i a NHS hospital followig the accidet, up to 2,000 per accidet. Accidet Healthcare also provides access to the Saga GP Telephoe Cosultatio Service, allowig you to talk to a GP wheever you eed advice, eve if it s ot liked to a road accidet. ad with Comprehesive cover oly Replacemet Car Extesio for Theft or Total Loss To help keep you mobile ad give you time to fid ad purchase a ew car, this optio provides a replacemet car for up to 21 days if yours is stole or writte off. Improved Icreased Persoal Accidet With our Comprehesive cover you already have 5,000 persoal accidet cover, but you ca upgrade to our Icreased Persoal Accidet cover, which icludes beefits of up to 50,000 as well as cover for a wider rage of ijuries. It also covers you for emergecy physiotherapy ad detal treatmet up to 250. Replacemet Car Category Upgrade Our Comprehesive cover automatically etitles you to a small hatchback replacemet car while yours is beig repaired. With this optio, you ca upgrade to a model that better suits your eeds, such as a family saloo, estate, MPV or luxury car. 6 A few key thigs we do t cover Additioal cover optios you ca choose 7

5 Assistace if you break dow Our claims service Saga Breakdow Assistace Available at a discouted rate for Saga Motor Isurace policyholders with ay cover level, Saga Breakdow Assistace covers your car ad ayoe drivig it. We have five cover levels from stadard roadside assistace to a EU-wide recovery service. We aim for a call out time of aroud 45 miutes ad fix aroud 9 out of 10 breakdows at the roadside*. * Based o aalysis carried out betwee Jauary ad December Additioal optios To meet your specific eeds, we offer ehaced protectio that ca be added to all Saga Breakdow Assistace cover levels. These are Persoal Cover, coverig you i ay car you drive or travel i; Additioal Vehicle Cover, providig protectio for ay other car at your address; ad Saga Breakdow Repair, coverig the cost of labour ad parts. Please call us for further details. Does ot cover the Isle of Ma or Chael Islads. If you ever eed to make a claim, Saga aims to offer you a quick, straightforward ad stress-free service. All our claims advisers are based i the UK ad you ca call them 24 hours a day. What s more, you wo t ormally have to fill i ay forms or obtai writte estimates. Roadside repair - if you are at least 1/4 of a mile from your home, you oly pay the cost of ay parts fitted Pucture repair - for your car, or your carava/trailer whe you are towig Recovery - of your car, yourself ad up to five passegers to ay destiatio of your choice withi te miles of the breakdow Essetial Home Call Natioal Recovery Comprehesive Premier Natioal recovery - as above, but to aywhere i the UK Home call - assistace at your home, or withi 1/4 of a mile of your home Driver care - we will give you a hire car or overight accommodatio if you caot use your car Europea cover - for cars up to 16 years old Holiday departure cover - if you are goig o holiday, cover to get you to your departure poit ad recover your car to aywhere i the UK, for cars up to 16 years old Also, to let you kow, as part of Saga s Partership Repairer Network, we will arrage to have your car repaired ad valeted at oe of our approved garages ad all work is fully guarateed for five years. If you wish to make a claim o your motor isurace policy, please refer to the How to make a claim sectio i your Schedule, which tells you who you eed to cotact. We are happy to cotiue isurig with Saga. Your rates are competitive, ad whe we had to cotact you after a motor accidet we were impressed with your friedly ad efficiet service. Mr McCormack, Wiltshire Durig the years I have bee isured with Saga I have always bee 100% satisfied with the service provided. All the staff I have dealt with have bee helpful, pleasat ad courteous. No complaits at all! Mrs Stow, Bedfordshire 8 Assistace if you break dow Our claims service 9

6 Importat iformatio you eed to kow There are a few more thigs we eed to let you kow before you take out Saga Motor Isurace. These iclude more about Saga, our complaits process ad what happes after you take out your policy. More about Saga Saga Services Limited is registered i Eglad ad Wales (Compay No ). Registered Office: Ebrook Park, Sadgate, Folkestoe, Ket CT20 3SE. Saga Services Limited ad Acromas Isurace Compay Limited are ultimately wholly owed subsidiaries of Saga plc. Saga Services Limited is authorised ad regulated by the Fiacial Coduct Authority (FCA register umber is ). You ca cofirm Saga Services Limited s address ad statutory status o the Fiacial Coduct Authority website at or by cotactig the Fiacial Coduct Authority o Saga s motor isurace is uderwritte by Acromas Isurace Compay Limited. If thigs go wrog ad you wat to complai We hope you re happy with the service you ve received so far ad that you cotiue to be so. However, if you have a complait about your Saga Motor Isurace policy, please cotact the Customer Relatios Departmet, Saga Services Limited, Middelburg Square, Folkestoe, Ket CT20 1AZ or call , fax o , or us at If you re dissatisfied with the service Acromas Isurace Compay Limited has provided, or feel that they have made a wrog decisio i respect of a claim, please refer to the Claims complaits sectio i your Schedule. This provides all the details you eed to cotact your isurer by phoe, or post. The Fiacial Ombudsma Service may look ito your complait if you remai dissatisfied after we, or your isurer, have issued a fial respose. You ca write to them at: The Fiacial Ombudsma Service, Exchage Tower, Harbour Exchage Square, Lodo E14 9GE. Telephoe or For your reassurace Saga ad Acromas Isurace Compay Limited are covered by the Fiacial Services Compesatio Scheme (FSCS). You may be etitled to compesatio from this scheme if Saga or the isurer caot meet their obligatios. This depeds o the type of isurace ad the circumstaces of your claim. Further iformatio about compesatio scheme arragemets is available from the FSCS website After you ve take out your policy As with most isurace policies, Saga Motor Isurace is a 12-moth policy. Whe you receive your policy documetatio you have 14 days to decide whether the policy is right for you. After that your isurer will assume you have accepted the terms ad wish it to cotiue for 12 moths. There are a few thigs we d like to advise you of: If you eed to cacel your policy If you feel the policy is ot right for you, you may cacel it withi 14 days of receivig your policy documets. If cover has ot yet commeced (i.e. it is before the policy start date), you will receive a full refud of the premium ad o admiistratio fee will be charged. If the isurace cover has commeced (i.e. it is after the policy start date), your isurer will give you a pro-rata refud o your premium based o the cover you have had. Saga will charge a admiistratio fee. After the first 14 days, if the policy o loger meets your eeds, you ca still cacel it at ay time. As log as you have ot made a claim or had a claim made agaist you, or your isurer has recovered all their costs o ay claims that you have made, you will receive a pro-rata refud o your premium based o the cover you have had. Saga will charge a admiistratio fee. If you have made a claim that has ot bee settled ad full recovery of costs made, you will ot receive a refud. If you wish to cacel your policy, you will eed to otify us of this itetio. You ca do this by telephoe o or by writig to Saga Services Limited, Middelburg Square, Folkestoe, Ket CT20 1AZ. If a prited Certificate of Isurace was set to you by post you must retur it whe cacellig your policy. Alteratively, if you received your Certificate of Isurace by , to cacel your policy you must complete ad retur the Cacellatio declaratio form. Cacellatio will take effect from the date Saga receives your Certificate of Isurace or completed declaratio form, or from a future date you ad your isurer have agreed to. If we eed to cacel your policy Your isurer or Saga, o their behalf, may cacel your policy by givig you seve days otice by recorded delivery letter to your last kow address. There are a umber of reasos why your policy may be cacelled, icludig o-paymet of premiums, failure to provide iformatio or documetatio which we have requested i writig, or a chage to your isurace details that meas we are o loger able to cover you. If a prited Certificate of Isurace was set to you by post you must retur it to Saga. If you received your Certificate of Isurace by ay copies stored or prited must be deleted or destroyed. Your isurer will the refud to you the uused part of your premium. Saga will charge a admiistratio fee. Legal Protectio Please ote that if you or we cacel your Saga Motor Isurace policy ad you have selected Legal Protectio as a additioal cover, this will automatically be cacelled at the same time. The additioal premium is ot refudable if cover has commeced. If you eed to amed your policy There are times whe you may eed to amed your policy, for example if you wat to add a additioal driver or alter your cover. Saga will charge a admiistratio fee for ay chages, or if you eed a duplicate set of documets. A ote about fees ad refuds Saga will charge the followig admiistratio fees: 18 for ay chages, or if you eed a duplicate set of documets; 25 if you cacel your policy withi 20 days of your policy start date; 50 if you cacel your policy after 20 days of the policy start date. Please ote that if you amed or cacel your policy ad have paid by credit card or cheque, we will be uable to refud ay amouts of 5 or less. Similarly, we will oly request ay charges from you if the amout is over 5. How we hadle your moey Whe collectig or refudig premiums, this is doe through Saga Services Limited, who acts as the aget of the isurer. However, the isurer treats the paymet as havig bee made directly to them, meaig that your moey is protected. Fraud prevetio At Saga we are workig hard to detect isurace fraud ad so help protect you from potetially payig more for your isurace i the future. I lie with idustry stadards we may request proof of ay details provided to us ad we will check a variety of idustry databases to combat fraud. 10 Importat iformatio you eed to kow Importat iformatio you eed to kow 11

7 For more iformatio about Saga Motor Isurace ad the additioal cover optios available, or to accept your quote, call us o the telephoe umber o your eclosed documets or visit saga.co.uk/motor If you have a hearig or speech impairmet, you ca also cotact us by ig Saga Services Limited is a wholly owed subsidiary of Saga plc ad is registered i Eglad ad Wales (Compay No ). Registered Office: Ebrook Park, Sadgate, Folkestoe, Ket CT20 3SE. Authorised ad regulated by the Fiacial Coduct Authority. CSL-MT1895 MO/BR/SOC/A5/115

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