Terms and Conditions

Size: px
Start display at page:

Download "Terms and Conditions"

Transcription

1 Terms and Conditions

2 Terms and Conditions Thank you for choosing drive like a girl which is a trading style of Insure The Box Limited and underwritten by the insurers named below and on your Schedule. Electronic documentation By buying this Policy, you will be indicating your consent to receiving all Policy documentation, including your Certificate of Motor Insurance, electronically, via Your Portal. About us Drive like a girl is a trading style of Insure The Box Limited which is authorised by the Gibraltar Financial Services Commission, and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our authorisation and regulation by the Financial Conduct Authority are available from us on request. Insure The Box Limited is incorporated in Gibraltar (Company Number: ), registered office: Montagu Pavilion, 8-10 Queensway, Gibraltar. The insurers of this policy are Catlin Insurance Company (UK) Ltd. of 20 Gracechurch Street, London, EC3V 0BG (Financial Services Register number ) and Great Lakes Reinsurance (UK) PLC of Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ (Financial Services Register number ). Both firms are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Insure The Box Limited is a wholly owned subsidiary of Box Innovation Group Limited which is incorporated in Gibraltar (Company Number: ) and whose registered office is: Montagu Pavilion, 8-10 Queensway, Gibraltar. Insure The Box Limited is incorporated in Gibraltar (Company Number: ) and the registered office is: Montagu Pavilion, 8-10 Queensway, Gibraltar. Catlin Insurance Company (UK) Ltd. s associate company owns more than 10% of Box Innovation Group Limited Type of insurance and cover The Certificate of Motor Insurance is a legal document showing who is entitled to drive the insured car. It does not identify the level of cover you purchased nor contain information on Extras you may have selected nor does it detail some significant exclusions to your cover. Please refer to your Schedule of Insurance for your selected cover, and your Private Car Policy Document and your Private Car Policy Summary for full details of the cover provided. How we are different Drive like a girl provides a new way to insure your car. We give you the opportunity to prove you drive like a girl, and enable you to pay a fair premium based on how you drive. We fit a clever, little box; the in-tele-box, to your car to record your driving. When you take out your Policy, we will contact you to arrange for the in-tele-box to be fitted, at no additional cost to you. Please note: In the event that you are not able to make your car available to have an in-tele-box fitted within 14 days of arranging your policy, we reserve the right to cancel the insurance cover, subject to us giving you 7 days notice in writing and following the steps described in your Private Car Policy Document. 1

3 Installation The installers appointed by us are fully trained to install the in-tele-box in your car to the appropriate industry standards and will do so with care and diligence. We or our installers will contact you to confirm the time and location for the installation of the in-tele-box in your car. The device has tamper controls and attack safe guards. If the intelligent alert system is triggered it will notify the Box provider who will then notify us of any unauthorised tampering with the device. Your 3 month drive like a girl discount The in-tele-box fitted to your car records your driving including: your speed, how smoothly you accelerate and brake, and the times of day at which you drive. Each journey you make is assessed to give you an overall score, which is used to calculate your 3 month drive like a girl discount. You will be able to see your score on Your Portal once we have collected enough data from the in-tele-box. This is usually after one month. The maximum discount available under your policy is shown when you get a quote. The discount depends on your score after three months. If your score is 0 you will not receive a discount. If it is 1 or 2 you will receive some discount. If your score is 3 you will receive the maximum discount. Please note: drive like a girl discounts are for new policies only and are based on specific driving characteristics. If you do not meet the required criteria you may not receive a discount. Your policy will, however, continue as normal and you will not be required to pay any additional charges, unless you make any changes to your policy. Once you have had your policy for 3 months and your final score has been calculated, you will be able to see the exact discount you have been awarded. If you paid annually you will receive a refund directly to the card you bought the policy with. If this card has expired or has been cancelled, we will contact you to request new card details. If you pay by monthly instalments, your payments will be reduced starting from your next monthly payment to equal the total discount. You will not receive your discount in an equivalent cash lump sum. You only qualify for a 3 month discount in your first year of insuring with us, there is no 3 month discount when you renew your policy For more information on how we assess your driving and your drive like a girl discount please visit Your Portal. We do not insure certain types of vehicle Vehicles cannot be insured if: they are not registered with the DVLA they are not normally kept in England, Scotland or Wales (we do not offer insurance to cars normally kept in the Channel Islands, the Scottish Islands, The Isle of Man or Northern Ireland) they are not normally kept at the address at which the Policy is based the Policyholder or their spouse, partner, parent or guardian is not the registered keeper and legal owner it is a caravan, commercial vehicle, motor home, motor bike, import, kit car, classic car, custom car, limousine or wedding car it is imported it has more than 7 seats it is left hand drive it is used for diplomatic, emergency services or military purposes it has a "Q" plate it is used to carry passengers or goods for profit or used for trade, delivery, hire or as a pace car 2

4 it has been modified in any way from the manufacturers' standard specification (excluding manufacturers' options fitted at the time of original purchase). We do not insure certain drivers Drivers cannot be insured if they: have any non-motoring offences which are not spent under the Rehabilitation of Offenders Act 1974 have previously had an insurance Policy cancelled at the request of drive like a girl or any other motor insurer. Please note: Your Policy only covers you and the named drivers to drive the car insured. Your Policy does not cover you or the named drivers to drive other vehicles. No Claim Discount You agree to provide proof of the number of years No Claim Discount you have claimed within 14 days of purchase of your original Policy. The No Claim Discount proof must: have been earned in your name as the Policyholder be issued by an FCA approved motor insurer who is licensed to trade in the UK be earned in the UK (not abroad) on a private motor car insurance (we do not accept proof from company car, company insured car, motor trade, motorcycle, van or classic car policies) be less than 24 months old not being currently used to insure another vehicle. Please note: 1. Failure to provide adequate proof of the No Claim Discount you have declared may affect any claim you make or could result in your insurance being invalid. 2. We will only issue you with a letter confirming the no claims discount earned on your Policy if you have paid all the premiums due on your Policy at the time of cancellation. Claim notification If you need to make a claim against your Policy please follow these steps: 1. Please call us on as soon after the incident as possible 2. Please give us as much information about the incident as you can. We will explain what your Private Car Policy covers and if you have to pay any excess 3. Wherever possible, speak to us before you make any arrangements for replacement or repair 4. If your car is stolen please tell the Police and obtain from them a crime reference number. Please call us on as soon as possible so we can track the location of your car and liaise with the Police. Cancellation You can cancel your Policy at any time by notifying us. Cancellation can take effect immediately or from a later date, although it cannot be backdated. We reserve the right to cancel the cover providing we follow the procedure defined in Section 12.6 of the Private Car Policy Document: if you do not co-operate in having the in-tele-box fitted within 14 days of you arranging cover with us if you do not pay your premium after a claim, where we have decided to make a cash payment for not more than the market value of your car at the time of the damage where it was uneconomic to repair or replace your car; or 3

5 by writing to you at your last known address 7 days in advance of the cancellation date if there are serious grounds to do so such as failure to provide requested documents (proof of No Claim Discount etc.), where your car is being driven or used other than in accordance with your Certificate of Motor Insurance, following a fraud or deliberate or reckless misrepresentation or if you have withheld information, following removal of, or tampering with, the in-tele-box. If we so request, you must also allow us or our approved supplier to retrieve the in-tele-box from your car in the event that cover is no longer required. Upon cancellation by either you or us, you will receive a refund of premium providing no claim has been made during the period of Policy cover. You will be entitled to receive a refund of premium less an administration fee of 30 and a charge reflecting the cover we have provided up to the cancellation of your Policy. This charge will be calculated on a proportionate basis on the period of cover you have received. When you take out a Policy with us we pay the cost of the in-tele-box, its fitting and retrieval of data from it. In the event that you cancel your Policy and if the in-tele-box has already been fitted to your car, or had been fitted to a car you previously insured with us, you will be charged an additional fee of 50 to cover the cost to us of fitting the intele-box. These fees will be subject to Insurance Premium Tax where applicable. If you have made a claim during the current period of Policy cover, you must pay the full annual premium and you will not be entitled to any refund. You must surrender your Certificate of Motor Insurance to us within 7 days of the cancellation date, as it is an offence under the Road Traffic Act not to do so. You can surrender your Certificate of Motor Insurance by sending us a notice by to confirm your insurance cover has ceased. Alternatively you can print and post a copy of your Certificate of Motor Insurance to us on which you state that cover has ceased and which you sign to that effect. Please refer to the Private Car Policy Document and the Private Car Policy Summary for full details. Making yourself heard We aim to provide a high level of service and we want you to tell us when we don t. We take all complaints we receive seriously and aim to resolve them promptly; we welcome your feedback. We will record and analyse your comments to make sure we continue to improve the service we offer. If you need to make a complaint about your Policy, please call us on Alternatively, you can us at Or, write to our Complaints Officer at the following address: Complaints Officer drive like a girl PO Box 1308 Newcastle upon Tyne NE12 2BF Please quote the Policy Number shown on your Schedule of Insurance and explain the nature of your complaint. We will then write to you with our final decision. If you are not satisfied with the final decision regarding your complaint or you have not received the final decision within eight weeks, you can contact the Financial Ombudsman Service at: 4

6 The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR By at: By phone on or Whilst we are bound by the decision of the FOS, you are not. Following the complaints procedure does not affect your right to seek and take legal action. Financial Services Compensation Scheme (FSCS) Insure The Box Limited, Catlin Insurance Company (UK) Ltd. and Great Lakes Reinsurance (UK) PLC are members of the Financial Services Compensation Scheme (FSCS). You might be entitled to compensation from the FSCS if Insure The Box Limited, Catlin Insurance Company (UK) Ltd. or Great Lakes Reinsurance (UK) PLC are unable to meet their obligations. Further information on the scheme can be obtained at: Information and how we will use it We will use your information only to manage as far as it is reasonably necessary your Private Car Policy, including underwriting and claims handling. This may include disclosing it to other insurers, third party underwriters and reinsurers. Your information comprises all the details we hold about you and your transactions and includes information obtained from third parties. Your information protection Where we capture your personal information, we will do this over a secure link using recognised industry standard technology which encrypts data that is transmitted over the internet. Most browsers will indicate this by displaying a padlock symbol on the screen. Unauthorised electronic access to servers is prevented by use of suitable firewalls and the servers are located in secure locations, accessible only by authorised persons. Please refer to the Private Car Policy Document, and our legal page at for further details. The law Unless we have agreed otherwise with you, this insurance is governed by English Law and all communication shall be conducted in English. 5

Terms and Conditions

Terms and Conditions Terms and Conditions Terms and Conditions Thank you for choosing insurethebox which is a trading style of Insure The Box Limited and underwritten by the insurers named below and on your Schedule. Electronic

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Summary Private Car Summary Welcome to drive like a girl Thank you for choosing drive like a girl which is a trading style of Insure The Box Limited. This is a summary of cover provided by

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Policy Summary Private Car Policy Summary Welcome to insurethebox Thank you for choosing insurethebox which is a trading style of Insure The Box Limited. This is a summary of cover provided

More information

Tesco Bank Box Insurance

Tesco Bank Box Insurance Tesco Bank Box Insurance Private Car Summary Inside you ll find a summary of your Car Insurance Private Car Summary Welcome to Tesco Bank Box Insurance Thank you for choosing Tesco Bank Box Insurance which

More information

Key Policy Information

Key Policy Information Key Information Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Key Information This is a summary of cover available under Tesco Bank Car Insurance. It does not

More information

Policy Summary. Inside you ll find a summary of your Value car insurance. tescobank.com

Policy Summary. Inside you ll find a summary of your Value car insurance. tescobank.com Policy Summary Inside you ll find a summary of your Value car insurance tescobank.com Tesco Bank Value Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Value Car Insurance.

More information

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance

Policy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance Policy Summary Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Car Insurance. It does

More information

Policy Summary. Inside you ll find a summary of your car insurance. tescobank.com

Policy Summary. Inside you ll find a summary of your car insurance. tescobank.com Summary Inside you ll find a summary of your car insurance tescobank.com Tesco Bank Car Insurance Summary This is a summary of cover available under Tesco Bank Car Insurance. It does not include all the

More information

Demands and Needs Statement

Demands and Needs Statement Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a

More information

Private Car Policy Summary

Private Car Policy Summary Private Car Policy Summary Inside you ll find a summary of your Car Insurance Tesco Bank Box Insurance Car Insurance Private Car Policy Summary Welcome to Tesco Bank Box Insurance Thank you for choosing

More information

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances.

Bell does not make personal recommendations as to the suitability of the Policy to individual circumstances. Car Hire Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had

More information

Fleet Excess Protect

Fleet Excess Protect Fleet Excess Protect Policy Wording Thank you for choosing Fleet Excess Protect Insurance. The information in this policy wording contains important information and we have made it as easy as possible

More information

Octagon Insurance Terms of Business

Octagon Insurance Terms of Business Octagon Insurance Terms of Business About Octagon Insurance Octagon Insurance Company Limited and Octagon Insurance Services Limited are authorised and regulated by the Gibraltar Financial Services Commission,

More information

Key Policy Information

Key Policy Information Key Policy Information Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Key Policy Information This is a summary of cover available under Tesco Bank Car

More information

1 ST CENTRAL Hire Car policy summary

1 ST CENTRAL Hire Car policy summary My Hire Car Cover... 1 ST CENTRAL Hire Car policy summary This is a summary of your Hire Car policy. It does not contain the full terms and conditions, which can be found in the Policy Document that follows

More information

Demands and Needs Statement

Demands and Needs Statement Modifications Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been fitted with non standard parts or modifications which are lost or damaged as a

More information

Demands and Needs Statement

Demands and Needs Statement Hire Car Cover Demands and Needs Statement This policy meets the demands and needs of a driver who requires a replacement car if their own vehicle is confirmed as a total loss or has been stolen and remains

More information

Private Car Policy Document

Private Car Policy Document Private Car Policy Document This is your Private Car Policy Document. Please read it carefully and keep it in a safe place with your current Schedule, Certificate of Motor Insurance and Statement of Fact.

More information

CENTRAL. Hire Car Cover Comprehensive

CENTRAL. Hire Car Cover Comprehensive ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been

More information

Hire Car Policy Summary and Policy Wording

Hire Car Policy Summary and Policy Wording Hire Car Policy Summary and Policy Wording www.debenhamscarinsurance.co.uk Contents Hire Car Insurance Policy Summary... 4 Your Hire Car Policy Terms and Conditions... 6 Notice to the Policyholder/Insured

More information

Touring Caravan Excess Protect

Touring Caravan Excess Protect Touring Caravan Excess Protect In the event of a claim please call: 0800 587 2976 2 TRINITY LANE TOURING CARAVAN EXCESS PROTECT INSURANCE POLICY About your Insurance This insurance is underwritten by Trinity

More information

Private Car Policy Document

Private Car Policy Document Private Car Policy Document This is your Private Car Policy Document. Please read it carefully and keep it in a safe place with your current Schedule, Certificate of Motor Insurance and Statement of Fact.

More information

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording

www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording www.einsurancegroup.co.uk Your Prestige Hire Car Policy Summary and Policy Wording Contents ecar - Prestige Hire Car Policy Summary...4 Your Prestige Hire Car Policy Terms and Conditions...6 Notice to

More information

Car Insurance. Summary of Cover

Car Insurance. Summary of Cover Car Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich Insurance

More information

Replacement Vehicle Van Insurance Policy

Replacement Vehicle Van Insurance Policy Replacement Vehicle Van Insurance Policy Express Insurance Services - Replacement Vehicle Policy Summary Express Insurance Services - Replacement Vehicle Insurance Policy Policy Summary This is a summary

More information

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover

Policy Booklet. Inside you ll find full details of your Upgraded Courtesy Car Cover. Upgraded Courtesy Car Cover Policy Booklet Inside you ll find full details of your Upgraded Courtesy Car Cover Upgraded Courtesy Car Cover Contents Page Policy summary 1 Terms and conditions about your insurance 6 Meaning of words

More information

Asda Value Car Insurance. Hire car. money

Asda Value Car Insurance. Hire car. money Asda Value Car Insurance Hire car money Contents page number Hire Car Insurance Policy Summary...4 Your Hire Car Policy Terms and Conditions... 7 Notice to the Policyholder/Insured Person... 10 page 2

More information

Private Motor Vehicle Excess Protect

Private Motor Vehicle Excess Protect Private Motor Vehicle Excess Protect Insurance Policy Flux Direct 2 The Causeway, Bishops Stortford, Herts, CM23 2EJ In the event of a claim please call: 0844 888 7361 Customer Service: 0800 089 0154 Or

More information

The companies are registered in Gibraltar (Reg. Nos. 102260 and 106445). Registered Offices: Suite 945 Europort, Gibraltar.

The companies are registered in Gibraltar (Reg. Nos. 102260 and 106445). Registered Offices: Suite 945 Europort, Gibraltar. TERMS OF BUSINESS ABOUT OCTAGON INSURANCE Octagon Insurance Company Limited and Octagon Insurance Services Limited are authorised and regulated by the Gibraltar Financial Services Commission, and subject

More information

Motor Excess Protection Insurance

Motor Excess Protection Insurance Motor Excess Protection Insurance For Private Cars, Motorcycles and Commercial Vehicles. Questor Insurance Services Limited First Floor Suite West A Orchard House, Station Road Rainham, Kent ME8 7RS United

More information

Commercial Vehicle Excess Protect

Commercial Vehicle Excess Protect Commercial Vehicle Excess Protect In consideration of You having purchased Business & Domestic Commercial Vehicle Excess Protect insurance, We agree to indemnify You in accordance with the terms exclusions

More information

Multi Motor Excess Protect Policy Document

Multi Motor Excess Protect Policy Document Multi Motor Excess Protect Policy Document Thank you for choosing multi motor excess protect insurance. The information in this policy wording contains important information and we have made it as easy

More information

Reassurance guaranteed. Protect your motorcycle. AutoTrust Asset Protection

Reassurance guaranteed. Protect your motorcycle. AutoTrust Asset Protection Reassurance guaranteed Protect your motorcycle AutoTrust Asset Protection Introduction Title 2 x. Did If you don t know follow that the manufacturer s if your motorcycle is written off as service schedules

More information

Police Mutual Car insurance

Police Mutual Car insurance Police Mutual Car insurance Policy Summary Police Mutual Car insurance is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms

More information

Car Solutions Insurance. Summary of Cover

Car Solutions Insurance. Summary of Cover Car Solutions Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich

More information

Your Car Insurance Policy Summary Booklet

Your Car Insurance Policy Summary Booklet Your Car Insurance Policy Summary Booklet Contents Welcome to Brightside car insurance...4 Car Policy Summary...6 About Brightside car insurance...6 Summary of Cover...6 Claims and Glass Helpline...6 Insurer...6

More information

Asda Value Car Insurance. Excess Protection. money

Asda Value Car Insurance. Excess Protection. money Asda Value Car Insurance Excess Protection money Contents page number Motor Excess Protection Policy Wording... 3 Introduction... 3 Regulatory Information... 3 Your Insurer... 3 What Makes up this Policy?...4

More information

Tesco Bank Box Insurance

Tesco Bank Box Insurance Tesco Bank Box Insurance Private Car Policy Document Inside you ll find full details of your Car Insurance Contents Page Welcome to Tesco Bank Box Insurance 1 The Laws that apply to this Policy 1 Your

More information

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. GAP Insurance IMPORTANT: Full details of Your cover, the conditions that apply, the claims process and the circumstances when claims will not be met are contained in this Policy. You should read this document

More information

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary

If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary If you have an accident call us straightaway on 0844 251 0190. For our joint protection, calls may be recorded and/or monitored. Your policy summary Your policy summary 2. Your policy summary 5. Important

More information

POLICY SUMMARY. Flybe Travel Insurance

POLICY SUMMARY. Flybe Travel Insurance Flybe Travel Insurance POLICY SUMMARY The purpose of this Policy Summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You still

More information

This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk/firms/systems- reporting/register

This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk/firms/systems- reporting/register Motor Excess Protect Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording contains important information and We have made it as easy as possible to understand.

More information

Your policy summary. If you have an accident...call us straight away on 0844 891 5391.

Your policy summary. If you have an accident...call us straight away on 0844 891 5391. Your policy summary If you have an accident...call us straight away on 0844 891 5391. For our joint protection, calls may be recorded and/or monitored. Your policy summary 2. Your policy summary 5. Important

More information

Policy Summary - Sections A to J and O only

Policy Summary - Sections A to J and O only TM Policy Summary - Sections A to J and O only This policy summary does not contain full details and conditions of your insurance; these are located in your policy wording. This policy is underwritten

More information

Policy Summary www.debenhamscarinsurance.co.uk

Policy Summary www.debenhamscarinsurance.co.uk Policy Summary www.debenhamscarinsurance.co.uk Contents Policy Summary... 3 Introduction to Debenhams Car Insurance... 3 Summary of Cover... 3 Claims Helpline... 3 Windscreen Helpline:... 3 Insurer...

More information

Excess Professional Indemnity policy

Excess Professional Indemnity policy Excess Professional Indemnity policy Contents A warm welcome to Vela Underwriting 3 Making yourself heard 4 Your Excess Professional Indemnity Insurance Policy 5 Section 1 Definitions 8 Section 2 The Cover

More information

Online Motor Excess Protect Insurance. Policy Wording

Online Motor Excess Protect Insurance. Policy Wording Online Motor Excess Protect Insurance Policy Wording Motor Excess Protect Insurance Policy Wording Introduction Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording

More information

HSBC Private Car Insurance. Summary of cover

HSBC Private Car Insurance. Summary of cover HSBC Private Car Insurance Summary of cover 2 HSBC Private Car Insurance This is a generic summary of cover and does not contain the full terms and conditions of the cover which can be found in the policy

More information

DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON

DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON DASDRIVE PLUS LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW ON 0800 783 6066 WHY YOU NEED DASDRIVE LEGAL PROTECTION PERSONAL INJURY COVER RECOVERY OF UNINSURED LOSSES REPLACEMENT HIRE

More information

ABOUT OUR SERVICES AND COSTS

ABOUT OUR SERVICES AND COSTS ABOUT OUR SERVICES AND COSTS 1. The Financial Conduct Authority (FCA) The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers

More information

PROTECT YOUR VEHICLE. Black Horse Motorcycle Finance Retail Price Protection GAP

PROTECT YOUR VEHICLE. Black Horse Motorcycle Finance Retail Price Protection GAP PROTECT YOUR VEHICLE Black Horse Motorcycle Finance Retail 2 Introduction Did you know that if your motorcycle is written off as a total loss through an accident, fire or theft, most motorcycle insurance

More information

Motorcycle Policy Summary and Important Information

Motorcycle Policy Summary and Important Information Motorcycle Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy documentation. It is

More information

R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover

R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover R&Q Commercial Risk Services Limited Contractors All Risks and Liability Combined Insurance Summary of Cover June 2012 Edition Contractors All Risks and Liability Combined Insurance Policy Overview About

More information

FLEET UNDERWRITING POLICY SUMMARY

FLEET UNDERWRITING POLICY SUMMARY FLEET UNDERWRITING POLICY SUMMARY Some important facts about your Motor Insurance are summarised below. This summary does not contain the full terms and conditions of the contract which can be found in

More information

Motor Insurance Policy summary

Motor Insurance Policy summary Motor Insurance Policy summary Policy Summary Type of insurance and cover This is an insurance for private type motor cars, dual purpose vehicles (e.g. estate cars), commercial vehicles not used for business

More information

Motor Vehicle Excess Protection Policy Wording

Motor Vehicle Excess Protection Policy Wording Motor Vehicle Excess Protection Policy Wording www.greeninsurancecompany.co.uk Contents Demands and Needs Statement 2 Insurer 2 What makes up this policy? 2 Changing your mind Your right to cancel 2 Definitions

More information

Aviva Motor Policy Summary and Important Information

Aviva Motor Policy Summary and Important Information Aviva Motor Policy Summary and Important Information This is a summary of the policy and does not contain the full terms and conditions of the cover which can be found in the policy documentation. It is

More information

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER

MOTOR LEGAL EXPENSES POLICY WORDING TERMS OF COVER Motor Legal Expenses provides:- 24/7 Legal Advice Insurance for legal costs for certain types of disputes HELPLINE SERVICES Legal Helpline MOTOR LEGAL EXPENSES Use the 24 hour advisory service for telephone

More information

Total, permanent, loss of use through physical damage or separation at or above the wrist or ankle of one or more limbs

Total, permanent, loss of use through physical damage or separation at or above the wrist or ankle of one or more limbs LLOYDS TSB Personal Accident Cover Policy Document These terms and conditions are provided to give you a guide on the cover that is being offered. Please note that your personalised policy document will

More information

Replacement Vehicle Car Insurance Policy

Replacement Vehicle Car Insurance Policy Replacement Vehicle Car Policy Express Services - Replacement Vehicle Policy Summary Express Services - Replacement Vehicle Policy Policy Summary This is a summary of available under the Express Services

More information

Excess Professional Indemnity. Policy document

Excess Professional Indemnity. Policy document Excess Professional Indemnity Policy document Contents A warm welcome to Zurich 3 Your Excess Professional Indemnity policy 3 Section 1 Definitions 5 Section 2 The Cover 5 Section 3 Provisions 6 Section

More information

Motor Trade Road Risks

Motor Trade Road Risks Motor Trade Road Risks Policy Summary The Insurance cover is provided by Covéa Insurance plc, Norman Place, Reading, Berkshire, RG1 8DA. The Motor Trade Road Risks Insurance policy is for full or part-time

More information

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with?

Terms of Business. Who we are? Whose policies do we offer? Which service will we provide you with? Terms of Business The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW

DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE HAD AN ACCIDENT? CALL US NOW DASDRIVE ACCIDENT ASSISTANCE & LEGAL PROTECTION KEY FACTS BROCHURE For recovering your vehicle, notifying your insurer, replacement hire vehicles or courtesy cars, arranging repairs and securing compensation

More information

Thank you for choosing Trinity Lane Insurance Company Limited for your helmet and leathers insurance.

Thank you for choosing Trinity Lane Insurance Company Limited for your helmet and leathers insurance. Thank you for choosing Trinity Lane Insurance Company Limited for your helmet and leathers insurance. This document sets out what is and what is not covered, together with the sum insured and any special

More information

Motor Legal Expenses Policy Wording

Motor Legal Expenses Policy Wording 3478676865245-0000000 34545323455index,134545323456 34545323455persist,false34545323456 34545323455output_folder,/strata/clients/ukais/live/v53/exports 34545323455document_name,PREVIEW34545323456 34545323455printfile_path,/strata/clients/ukais/live/v53/exports/PREVIEW.ps34545323456

More information

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues.

Motor car insurance. Policy summary. This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Motor car insurance Policy summary This document is liable to alteration from time to time. February 2011 cancelling all previous issues. Policy Summary Type of insurance and cover This is an insurance

More information

Terms and conditions

Terms and conditions Terms and conditions The Financial Conduct Authority is the independent watchdog that regulates financial services. Contained in this document is information which the Financial Conduct Authority requires

More information

Your Motor Legal Protection Insurance Policy Wording

Your Motor Legal Protection Insurance Policy Wording Your Motor Legal Protection Insurance Policy Wording www.debenhamscarinsurance.co.uk Contents Your Motor Legal Protection Insurance Policy Wording... 3 General Exceptions... 10 2 Your Motor Legal Protection

More information

FUNNY THING, CAR INSURANCE. Even with a clean driving record your premiums never seem to go down, yet what some insurance companies are prepared to

FUNNY THING, CAR INSURANCE. Even with a clean driving record your premiums never seem to go down, yet what some insurance companies are prepared to GAP INSURANCE FUNNY THING, CAR INSURANCE. Even with a clean driving record your premiums never seem to go down, yet what some insurance companies are prepared to pay out certainly does. SO, HOW DOES IT

More information

Motor Legal Expenses Insurance

Motor Legal Expenses Insurance Motor Legal Expenses Insurance Motor Legal Expenses Insurance Policy Document Certificate of Insurance This insurance is underwritten by Inter Partner Assistance SA and managed on their behalf by Arc Legal

More information

www.startrescue.co.uk 01

www.startrescue.co.uk 01 INTRODUCTION This policy summary provides key information about the Uninsured Loss Recovery Policy, which you should read. For full terms and conditions of the policy please refer to the policy document

More information

Private Vehicle Auto Extra Policy

Private Vehicle Auto Extra Policy Private Vehicle Auto Extra Policy (Vehicle includes vans, cars, motorhomes and campers, mobility scooters, electric wheelchairs and tricycles.) Insurer We are authorised and regulated by the Malta Financial

More information

Van Insurance Summary of cover

Van Insurance Summary of cover Van Insurance Summary of cover About this document This document is a summary of the insurance provided by our Van insurance policy. Therefore it does not contain the full terms and conditions of your

More information

Octagon Insurance Replacement Vehicle Policy

Octagon Insurance Replacement Vehicle Policy Octagon Insurance Replacement Vehicle Policy 1 This insurance policy has been arranged by Qdos Broker & Underwriting Services Limited, is administered by Motorplus Limited (trading as Motorplus and ULR)

More information

Policy Summary. Keep this wording safe.

Policy Summary. Keep this wording safe. Policy Summary Keep this wording safe. Covéa Insurance Private Car This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your

More information

EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING

EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY WORDING This document sets out the terms and conditions of your cover and it is important that you read it carefully. It explains what is covered and what is

More information

Your Motor Trade Excess Insurance

Your Motor Trade Excess Insurance OFFICIAL TITLE SPONSOR Your Motor Trade Excess Insurance Policy In the event of a claim please call 0871 222 79 14 MCE_Alpha_Motor_TradeXS_Policy_Booklet_002 EXCESS PROTECT MOTOR TRADE EXCESS INSURANCE

More information

Excess Directors and Officers Liability. Policy document

Excess Directors and Officers Liability. Policy document Excess Directors and Officers Liability Policy document Contents A warm welcome to Zurich 3 Your Excess Directors and Officers Liability policy 4 Section 1 Agreement with underlying policies 7 Section

More information

Drive. Policy Summary

Drive. Policy Summary 1 Drive Policy Summary Drive Policy Summary Drive is underwritten by Royal & Sun Alliance Insurance plc. It is an annual contract and may be renewed each year subject to the terms and conditions then applicable.

More information

GAP insurance Protecting your investment

GAP insurance Protecting your investment GAP insurance Protecting your investment Current statistics indicate the risk of your vehicle being stolen or written off is now greater than ever before. Around 315,000* vehicles are stolen every year,

More information

Excess Professional Indemnity Insurance

Excess Professional Indemnity Insurance Excess Professional Indemnity Insurance Contents A warm welcome to Vela Underwriting 3 Making yourself heard 4 Excess Professional Indemnity Insurance Policy 5 Section 1 Definitions 8 Section 2 The Cover

More information

My Legal Expenses Cover...

My Legal Expenses Cover... My Legal Expenses Cover... Motor Legal Expenses Welcome Thank you for insuring with 1 ST CENTRAL. We are delighted to welcome you as a valued client. Please take time to read your policy and contact us

More information

Your summary of cover. Saga Motor Insurance

Your summary of cover. Saga Motor Insurance Your summary of cover Saga Motor Insurance Contents Your introduction to Saga Motor Insurance 3 A quick guide to the cover we include 4-5 A few key things we don t cover 6 Additional cover options you

More information

Fleet Legal Guard. Policy Wording

Fleet Legal Guard. Policy Wording Fleet Legal Guard Policy Wording What s inside... Introduction 3 What to do if you need to make a claim 4 Legal helpline 5 Claims for compensation 10 Claims for physiotherapy 12 Terms and Conditions 13

More information

Key Cover Policy Document

Key Cover Policy Document Key Cover Policy Document www.greeninsurancecompany.co.uk The Green Insurance Company Key Cover has been designed to look after you in the event your keys are lost, stolen or broken. Your Key Cover Policy

More information

Excess Protection Insurance Policy

Excess Protection Insurance Policy Excess Protection Insurance Policy Table of Contents SECTION 1: Policy Structure 2 SECTION 2: Definitions 3 SECTION 3: Eligibility 4 SECTION 4: General conditions of cover 5 SECTION 5: Exclusions 6 SECTION

More information

Motor Breakdown Service Policy Document

Motor Breakdown Service Policy Document Motor Breakdown Service Policy Document Provided by ECCLESIASTICAL INSURANCE SERVICES Motor Breakdown Service SCHEDULE Cover is limited to Private Cars, Motorcycles and Car Derived Vans - Caravanettes,

More information

Travel Accident Policy Document Statement of demands and needs

Travel Accident Policy Document Statement of demands and needs Travel Accident Policy Document Statement of demands and needs This product meets the demands and needs of those who are aged over 18 but under 65 and fulfil the eligibility criteria and who wish to benefit

More information

excess Protect In the event of a claim please call Insurance OMG_PC_Alpha_ExcessProtect_002

excess Protect In the event of a claim please call Insurance OMG_PC_Alpha_ExcessProtect_002 YOUR excess Protect INSURANCE POLICY In the event of a claim please call 0871 423 03 45 OMG! Insurance OMG_PC_Alpha_ExcessProtect_002 In consideration of You having paid the premium or agreed to pay the

More information

Had an accident? Call us now on 0844 800 3693 DASDrive accident assistance & legal protection

Had an accident? Call us now on 0844 800 3693 DASDrive accident assistance & legal protection Had an accident? Call us now on 0844 800 3693 DASDrive accident assistance & legal protection For recovering your vehicle, notifying your insurer, replacement hire vehicles or courtesy cars, arranging

More information

Flood Excess Insurance Policy

Flood Excess Insurance Policy Flood Excess Insurance Policy INTRODUCTION Thank You for choosing to purchase this Flood Excess Insurance Policy. It is important that You read this policy document carefully, together with Your Policy

More information

AXA Car Insurance. Policy summary. June 2014 edition

AXA Car Insurance. Policy summary. June 2014 edition AXA Car Insurance Policy summary June 2014 edition 35372_APLD0144ZF_SUM_A5.indd 1 17/06/2014 13:36 Policy summary This document is a summary of the insurance cover provided by the AXA Car policy. Therefore

More information

The information provided in this policy summary is key information which you should read.

The information provided in this policy summary is key information which you should read. Policy Summary Horse and Carriage Policy The information provided in this policy summary is key information which you should read. This insurance is underwritten by Catlin Insurance Company (UK) Ltd. and

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information

Employers' Liability Insurance Insurance Summary

Employers' Liability Insurance Insurance Summary Employers' Liability Insurance Underwritten by a member of the QBE Insurance Group (QBE) This insurance is an annual contract unless stated otherwise in the quotation or renewal documentation and as confirmed

More information

Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32

Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE. 60958_453131A_BRO.indd 1 2/12/08 16:45:32 Volvo Car Insurance DESIGNED WITH YOU IN MIND 7 DAYS FREE DRIVEAWAY WITH VOLVO CAR INSURANCE 60958_453131A_BRO.indd 1 2/12/08 16:45:32 60958_453131A_BRO.indd 2 2/12/08 16:45:38 7 Days Free Driveaway with

More information

Personal Injury Cover. Terms and Conditions

Personal Injury Cover. Terms and Conditions Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered

More information