Amendments to Our guide to your cover

Transcription

1 Amendments to Our guide to your cover

2 Contents Amendments to Our guide to your cover...page 1 Motor Legal Protection Policy...PAGE 8 If you would like an up to date Our guide to your cover please contact our Renewals hotline on Alternatively, you can view the document on our website at bell.co.uk

3 Amendments to Our guide to your Cover Bell is a trading name of EUI Limited. The following changes will apply to your motor policy from this renewal. If you would like an up to date Our guide to your cover please contact our Renewals Hotline on Alternatively you can view the document on our website at bell.co.uk. IMPORTANT The following amended paragraphs must be read in conjunction with other points laid out in the relevant section of Our guide to your cover and all previous policy amendments issued. Welcome to Bell Car Insurance We hope you are happy with your policy. However, if it does not meet with your requirements, subject to you not making a claim please contact us within 14 days of your welcome letter or . You will also need to return your Certificate of Motor Insurance. We will make a charge to cover the costs of setting up your policy. Please note changes to your policy or cancellation will incur administration charges or fees which are payable to EUI for handling the administration of your policy. Details of these fees are given in Additional Charges and Cancellation of your Motor Policy included in your welcome and renewal documents. Definitions Whenever the following words appear bold in this booklet or in your current policy schedule they will have the meaning given below: Material Facts These are the details about you, your drivers, your car and its use, which we ask you to tell us about so we can assess if we are able to insure you, the terms that will apply and the premium you should pay. Am I covered to drive other cars? If you are the policyholder and 25 or over, then Bell may arrange third party cover for you to drive someone else s car. Please see section 5 of your current certificate of motor insurance which tells you if you have this cover. Keeping your policy up to date IMPORTANT Material changes in your circumstances are changes in the details you have given us about you, your drivers, your car and its use, which could alter the terms of our agreement to insure you or the premium you pay. For example, if you have received motoring convictions since your policy started. 2 Please tell us immediately If you or any driver named on your policy, have been disqualified from driving, your entitlement to drive has been suspended or withdrawn (revoked) or your driving licence status has changed. 3 Please tell us when you renew your insurance If any details shown on the Motor Renewal Confirmation Form are incorrect. IMPORTANT The following amended paragraphs must be read in conjunction with other points laid out in the relevant section of Our guide to your cover and all previous policy amendments issued. Page 1

4 Managing your Policy You should tell us of any changes about you, your drivers, your car and its use otherwise your policy could be cancelled. Please note changes to your policy or cancellation may incur administration charges or fees which are payable to EUI for handling the administration of your policy. Details of these fees are given in Additional Charges and Cancellation of your Motor Policy included in your welcome and renewal documents. Making a claim If you do not wish to use our Approved Repairers we cannot provide you with a courtesy car. You do not have to pay any excess if your car is damaged while with the motor trade for servicing repairs. SECTION 3 : Liability to other people The following wording has been removed from Section 3: Liability to other people: the legal personal representative of anyone covered under this section if that person dies. 5 What is not covered any loss, damage, death or injury arising as a result of racing formally or informally against another motorist, road rage or a deliberate act caused by you or any driver insured to drive your car. Section 7: Extra Cover 1 Personal injury benefits anyone who is driving whilst breaching General Condition 11 at the time of the accident. Page 2 3 Personal belongings We will pay up to 100 for personal belongings in your car if they are damaged or stolen. This amount is increased to 500 if it is a Camper Van to include extra cover for non standard fixtures and fittings. If you ask us to pay someone else we will have no further responsibility to you once we have done so. You are not covered for loss or damage to; money, credit or debit cards, stamps, tickets, vouchers, documents or securities goods or samples carried in connection with any trade or business any property insured under another policy property from an open and/or unlocked convertible car, unless the property was locked in the boot or glove compartment loss or damage caused by theft, or attempted theft or fire if your car has been unlocked and unattended or the keys have been left in or on your car General Exceptions to your cover We will not cover you or be liable for any of the following: 1 Any accident, injury, loss, theft or damage which happens while your car is: rented out or used for hiring, merchandise delivery or for any purpose in connection with the Motor Trade used on the Nurburgring Nordschleife, or for racing formally or informally against another motorist, pace-making, competitions, rallies, track days, trials or tests, speed trials or speed tests, either on a road, track, or at an offroad 4x4 event

5 General Conditions of your cover 1 Your duties the information given at the start of your policy or renewal (confirmed to you in the Motor Proposal Confirmation or Motor Renewal Confirmation) or when registering a claim is true and complete 2 Claims procedure You must: send any writ, summons or letters received in connection with any claim, accident or loss to us as soon as you receive them report any claim, accident or loss to us within 48 hours regardless of fault report any claim for theft or when your car has been taken without your consent immediately to the police and obtain a crime reference number within 24 hours Failure to comply with the above could result in you not being indemnified and/or your policy being cancelled. We are entitled to: appoint an approved repairer to repair your car. In the unlikely event the repairs are considered unsatisfactory, the approved repairer will have the option to rectify the work. Should the repairs still be considered unsatisfactory, you may then use another repairer providing we have confirmed it and agreed for the work to be carried out. 4 Cancelling your policy You may cancel this policy at any time by contacting us. You have 14 days from the receipt of your welcome letter or to cancel your policy, subject to you not making a claim. Cancellation will incur administration charges that are payable to EUI for the cost of arranging and handling your policy. Details of these fees are given in Additional Charges and Cancellation of your Motor Policy included in your welcome and renewal documents. We may cancel this policy at any time by sending seven days notice in writing to your last known address if you: are in breach of any of the General Conditions of your policy ignore or fail to comply with General Exceptions 1, 8 and 9 fail to respond to written requests for further information or documentation misrepresent material facts about you, your drivers, your car or its use harass or use abusive or threatening behaviour towards our staff behave in a manner that makes it inappropriate for us to continue your insurance. We may cancel this policy due to non payment. However we will give you fourteen days notice if we intend cancelling due to non payment of your monthly instalments, in order to give you time to resolve the matter. If a claim is made or has arisen during the period of insurance the full premium is payable and no refund will be given. This applies in all circumstances regardless of the payment method. You must pay any outstanding premium within 10 days of your policy being cancelled. Where possible we will apply for any outstanding amounts from the payment details held on file. Delayed payments will incur additional charges. Details of these fees are given in Additional Charges and Cancellation of your Motor Policy included in your welcome and renewal documents. Page 3

6 Should your car be stolen and/or deemed a total loss, your policy will be cancelled without prior notice by writing to your last known address. We will deduct any outstanding premium owed from any payment to you. If your car is a total loss please refer to General Condition 10. IMPORTANT In all cases, you must either complete the Declaration to Surrender form or return the original Certificate of Motor Insurance to us. If you have any questions on cancelling your policy, please call our Customer Services Department on Calls to 0871 numbers are charged at 8p per minute plus network extras. Or you can write to us at Bell, Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ 11 Drink and drugs clause If an accident happens whilst you or any person entitled to drive under Section 5 of your current Certificate of Motor Insurance: is found to be over the prescribed limit for alcohol is driving whilst unfit through drink or drugs, whether prescribed or otherwise fails to provide a sample of breath, blood or urine when required to do so without lawful reason. No cover under the policy will be provided and instead, liability will be restricted to meeting the obligations as required by Road Traffic Law. In those circumstances, we will recover from you or the driver, all sums paid (including all legal costs), whether in settlement or under a Judgment, of any claim arising from the accident. 15 Material Changes in Circumstances If there is a material change in circumstances then you must tell us, as we may not be able to arrange cover in every case. Material changes in circumstances are changes in the details you have given us about you, your drivers, your car and its use. If we are able to arrange cover, we will calculate any difference in premium from the date circumstances changed even if this happened in a previous period of insurance. If we are not able to arrange cover, your policy will be cancelled or even declared void. Please read in accordance with page 4 Keeping your policy up to date. Extra Conditions (endorsements) 12 Trailer Cover Any trailer attached to your car will have cover under Section 3 of the policy if: you have given full details of the trailer; and you have the correct driving entitlement to tow a trailer of this type, and you own the trailer or it is hired to you under a hire purchase agreement. Privacy and Security Statement 2 Collecting Information Personal When providing information about others who may be insured you confirm that you have the consent of these individuals to supply their personal information. We will collect your personal information when: You ask for a quote You purchase our products and services You make customer enquiries You register for information or other services You register a claim You respond to communications or surveys Page 4

7 Non-personal information collected online Cookies We use cookies on our website for a number of reasons including: Enabling users to obtain quotes from our website (session cookie); Ensuring the security of our customers (session cookie); Making possible certain site functionality (session cookie); and Website traffic and visitor behaviour tracking (persistent cookie). The session cookies that we use are strictly necessary for the website to operate and are essential to make possible certain site functionality, including obtaining a quote and also to protect the security of our customers. The persistent cookies used on our website help us to improve the user experience and structure of our website by collecting anonymous data about how it is being used. These are Google Analytics cookies. To opt out of being tracked by Google Analytics across all websites visit com/dlpage/gaoptout. For information about how to manage and disable cookies you can use the Help function within your browser or please visit or Please be aware that our website contains links to and from other websites. We accept no responsibility or liability for the content of these websites or the cookies they use. If you choose to visit another website via our website, you will need to contact them separately to have your personal information deleted from any records they might hold. If you would like more information regarding cookies or our use of them, please read our online Cookie policy at or contact the Data Protection Officer at the following address: Data Protection Officer, EUI Limited, Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ. 4. Confidentiality When you apply to us to open an account, we make a number of checks to assess your application for credit and verifying identities to prevent and detect crime and money laundering to obtain this information, we will check the following records about you and anyone else who may also be insured and whose personal details have been provided as part of the insurance application. Our own records. Credit Reference Agency (CRA) records. When we search these records CRAs will place a search footprint on your credit file that may be seen by other lenders. They supply us with both public (including the electoral register), and shared credit and fraud prevention information. Fraud Prevention Agency (FPA) Records. We make searches about you at credit reference agencies who will supply us with information, including the Electoral Register and credit information. The agencies will record details of the search whether or not your application proceeds. The searches will not be seen or used by lenders to assess your ability to obtain credit. We may use scoring methods to assess this application and to verify your identity. Credit searches and other information which is provided to us and/or the credit reference agencies, about you and those with whom you are linked financially, may be used by EUI Limited and other companies if you, or other members of your household, apply for other facilities including insurance applications and claims. This information may also be used for debt tracing and the prevention of money laundering as well as the management of your account. Alternatively, we may ask you to provide physical forms of identification. Page 5

8 We may also make periodic searches at CRAs and FPAs to manage your account with us. Information on applications will be sent to and recorded by CRAs. When you borrow from us, we will give details of your account(s) and how you manage it / them to CRAs. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. This information may be supplied to other organisations by CRAs and FPAs to perform similar checks, and to trace your whereabouts and recover debts that you owe. Records remain on file for six years after they are closed, whether settled by you or defaulted. If you give us false or inaccurate information and we suspect or identify fraud, we will record it and may also pass this information to FPAs and other organisations involved in crime and fraud prevention. If you borrow from us and do not make payments that you owe us, we will trace your whereabouts and recover debts. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act How to Find Out More This is a condensed guide to the use of your personal information. If you would like to read the full details of how your data may be used please phone our Customer Services Department on , or write to us at Pricing Department, Floor 23, Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ. You can contact the CRAs currently operating in the UK; the information they hold may not be the same so it is worth contacting them all. They will charge you a small statutory fee. Call Credit, Consumer Services Team, PO Box 491, Leads, LS3 1WZ or call or log on to www. callcredit.co.uk. Equifax, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US or call or log on to Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call or log on to Please contact us on if you want to receive details of the relevant fraud prevention agencies. If necessary we may also have to investigate your claims and conviction history in the course of administering the claim. You can be assured that we will keep such investigations strictly confidential. Insurers pass information to the Claims Underwriting and Exchange Register, run by Insurance Database Services (IDS) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). This helps insurers check information and prevent fraudulent claims. When we deal with your request for insurance we may search these registers. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may give rise to a claim. When you tell us about an incident we will pass information to the Registers. Page 6

9 Information relating to your insurance policy will be added to the Motor Insurance Database ( MID ) managed by the Motor Insurers Bureau ( MIB ). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including: Electronic Licensing Continuous Insurance Enforcement; Law enforcement (prevention, detection, apprehension and or prosecution of offenders) The provision of government services and or other services aimed at reducing the level and incidence of uninsured driving. If you are involved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information. Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. It is vital that the MID holds 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 ww.askmid.com. Page 7

10 ADDITIONAL PRODUCT Amendments to Motor Legal Protection Policy This cover only applies if included on your policy or you have purchased Motor Legal Protection as shown in your current Policy Schedule or your Renewal Notice. DEMANDS AND NEEDS STATEMENT This Policy meets the demands and needs of a driver who, if they are involved in a motor accident which is not their fault, will require: n the provision of a loss recovery service (including legal assistance and representation if necessary) to recover any uninsured losses arising from the accident; and n cover against the legal costs (including the costs of the loss recovery service) incurred in pursuing any claim for recovery of such losses (including any claim for death or personal injury) to the extent that these costs are not fully recovered from the other party or their insurers. EUI Limited (trading as Bell) does not make personal recommendations as to the suitability of the Policy to individual circumstances. Policy Summary This Policy Summary does not contain the full terms and conditions of the cover which can be found in the Policy Document. It is important that you read the Policy Document which follows this Policy Summary. Provided you have paid the motor insurance policy premium your cover will be valid from the start date to the termination date of this policy, as advised, and any subsequent period for which you have paid the full motor insurance policy premiums due. The Motor Legal Protection Policy provides cover to fund legal proceedings to recover uninsured losses sustained by you in a motor vehicle accident for which you were not to blame and are not covered by another contract of insurance. AmTrust Europe Limited underwrites the Motor Legal Protection Policy. Duration The period of the motor insurance policy which runs concurrent with this policy and does not exceed twelve months. Cancellation right You have the right to cancel this policy within fourteen days of the date upon which you receive your confirmation letter or , subject to no claim being made upon the policy. Page 8

11 Cancellation of this policy is subject to the cancellation of the motor insurance policy. A refund will be provided in accordance with the cancellation terms of the motor insurance policy. If you do not exercise this right to cancel your policy it will remain in force for the term of the Motor out notice within 14 days from receipt of your Welcome Pack, subject to no claim being made upon the policy. Cancellation of this policy is subject to the cancellation of the motor insurance policy. A refund will be provided in accordance with the cancellation terms of the motor insurance policy. If you do not exercise this right to cancel your policy it will remain in force for the term of the motor insurance policy. After this 14 day period you can cancel at any time in accordance with the cancellation terms of the motor insurance policy. Cancellation will incur administration charges that are payable to EUI for the cost of arranging and handling your policy. Details of these fees are given in Additional Charges and Cancellation of your Motor Policy included in your welcome and renewal documents. Please contact EUI Limited, Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ or call Calls to 0871 numbers are charged at 8p per minute plus network extras. Making a claim You must report any incident that may lead to a claim to us directly or via EUI Limited (trading as Bell). Telephone to report the claim as soon as possible. To take advantage of your cover this must be done within 180 days of the incident. You will need your policy number, your vehicle registration number and the date of the incident. You must be able to confirm you are insured with EUI Limited (trading as Bell). How to make a complaint Complaints should be made to: The Managing Director, Composite Legal Expenses Ltd, Suffolk House, Trade Street, Cardiff CF10 5DT. Tel: complaints@composite-legal.com If we have given you our final response or more than 8 weeks have passed since we received your original complaint, you may refer your complaint to the Financial Ombudsman Service (FOS) at South Quay Plaza, 183 March Wall, London E14 9SR. Tel: free for people phoning from a fixed line (eg. a landline at home). OR free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02. Financial Services Compensation Scheme AmTrust Europe Limited are covered by Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if they cannot meet their obligations. This depends upon the type of business and circumstances of the claim. Most insurance contracts are covered for 90% of the claim. Further information is available from the Financial Services Authority or the FSCS at or on or Page 9

12 Significant features and benefits As a result of an accident involving the insured vehicle we will pursue any uninsured losses and any legal costs incurred by you in bringing a claim against the responsible third party. We may agree to appoint solicitors to do this on your behalf. Authorised drivers and passengers will also receive the benefits of the policy. Significant exclusions or limitations Legal costs are covered up to a maximum of 100,000. This includes any legal costs you may be responsible for whether incurred by you or any other person. Legal costs where you have taken action without first obtaining our agreement or cause delay or fail to give reasonable assistance to us. We are free to choose the authorised representative to negotiate and settle claim on your behalf. Policy Section Definitions: Policy limit Exclusions: 16 a) & 16 b) Conditions: 2 e) Territorial limits The policy will provide cover for insured incidents arising in: The United Kingdom of Great Britain and Northern Ireland, the Isle of Man, the Channel Islands, the European Union, Andorra, Croatia, Iceland, Lichtenstein, Norway and Switzerland. The list of countries is shown in the policy. Definitions: Territorial limits Page 10

13 Terms and Conditions IMPORTANT Motor Legal Protection Policy Underwriters - AmTrust Europe Limited, Market Square, St Jame s Street, Nottingham, Nottinghamshire NG1 6FG. Administrator - Composite Legal Expenses, Suffolk House, Trade Street, Cardiff CF10 5DT. Agent - EUI Limited (trading as Bell). Definitions Whenever the following words appear bold in this booklet or in your current policy schedule they will have the meaning given below: We, Us, Our The underwriters of this insurance and/or administrator acting on their behalf. You, Your The person who has paid the appropriate motor insurance policy premium and any other person authorised by you to drive or to be a passenger in or on the insured vehicle. Authorised Representative A solicitor, counsel, or claims handler appointed under the terms and conditions of this policy to represent your interests. Claim A civil claim for damages arising out of an insured incident. Injury Bodily injury or death disease or illness of any person. Insured Incident An event caused by a third party that results in loss or damage to the insured vehicle, personal property or injury to you. The event must involve the insured vehicle and have occurred within the territorial limits. Insured Vehicle Any motor vehicle that you own or for which you are legally responsible including any caravan or trailer properly constructed to be towed by such vehicle and which is attached to it by normal means of towing and for which the appropriate motor insurance policy premium has been paid which are permitted to use the public highway. Legal Costs Any irrecoverable fees, expenses and other disbursements reasonably and properly incurred by the authorised representative with our prior written authority in connection with any claim or legal proceedings by or against you. Also the costs incurred by the other party or parties as a result of a claim which you are ordered to pay by any Court or which are payable by you under the terms of a settlement approved in writing by us or which became payable by you as a result of you discontinuing proceedings with our consent. Motor Insurance Policy The policy of insurance issued to you in compliance with the Road Traffic Act valid at the time of the Insured Event. Motor Insurance Policy Premium This means the payment which is required to be paid to ensure that the cover remains in force for the motor insurance policy issued by EUI Limited (trading as Bell). Period of Insurance The period of insurance shown in the schedule of this policy. Page 11

14 Personal Property Any personal property that you own or are legally responsible for, in or on the insured vehicle at the time of the insured incident. Policy This policy of insurance. Policy Limit 100,000 per insured incident. This includes both the legal costs incurred by you and the legal costs of any other party or parties for which we are responsible for under the terms of this policy. Prospects of Success Reasonable prospects greater than or equal to a 51% chance of success. Territorial Limits The United Kingdom of Great Britain and Northern Ireland, the Isle of Man, the Channel Islands, the European Union, Andorra, Croatia, Iceland, Lichtenstein, Norway and Switzerland. Third Party The other person(s) and / or party(s) not including you responsible for the insured incident. Agreement We and you agree that this policy including any schedule issued are to be considered as one document and any word or expression which has been defined herein shall have the same meaning wherever it appears. The proposal or any information supplied by you shall be incorporated into this policy. We will provide the insurance described in this policy subject to the terms and conditions for the period of insurance and any subsequent period for which you shall pay and we shall agree to accept the motor insurance policy premium. Cover Subject to the terms, conditions and exclusions of this policy we will pay your legal costs which arise from your use of an insured vehicle during the period of insurance. This is to include claims made by or against you during the period of insurance and which relate to an attempt by you to obtain a remedy or to recover damages from a third party or parties. These must be in relation to an insured incident provided such legal costs do not exceed the policy limit. Making a Claim You must report any incident that may lead to a claim to us directly or via EUI Limited (trading as Bell). Telephone to report the claim as soon as possible. To take advantage of your cover this must be done within 180 days of the incident. You will need your policy number, your vehicle registration number and the date of the incident. You must be able to confirm you are insured with EUI Limited (trading as Bell). IMPORTANT The following wording replaces the exclusions for your Motor Legal Protection Policy. Exclusions This insurance does not cover: 1 Legal costs incurred as a result of legal proceedings arising out of an insured incident which occurred outside the period of insurance. 2 Claims which have not been reported to us within 180 days of the occurrence of the insured incident. 3 Legal costs including costs of appeals which are incurred without our consent Page 12

15 and agreement and in any event all such costs and expenses incurred prior to notification of the relevant claim to us. 4 Legal costs, expenses, fines or other penalties you are ordered to pay by a Court of criminal jurisdiction. 5 Claims arising out of the use of the insured vehicle by you for racing, rallies, trials or competitions of any kind. 6 Claims arising out of an insured incident arising out of your deliberate act or omission. 7 Claims arising out of an insured incident that we find to our satisfaction to be of a fraudulent nature, or where you have failed to disclose material facts relevant to your claim or where you have deliberately misled us or the authorised representative as to the circumstances of the accident. 8 Any claim where, when in control of the insured vehicle you did not have possession of both a valid driving licence and certificate of insurance. 9 Any claim where the insured vehicle was not in a roadworthy condition or did not have a valid MOT Certificate where applicable. 10 The Defence of any claim or legal proceedings made or brought against you arising from injury or loss or destruction of or damage to any property. 11 Any claim or legal proceedings made commenced or brought against you outside the territorial limits. 12 Any costs incurred in representation in the Small Claims Track or any other proceedings where costs cannot be recovered from the third party. 13 Claims made by you against any authorised passenger in the insured vehicle. 14 Claims for passengers where there is a conflict of interest between you or the authorised driver and any other passenger(s). 15 Legal costs in respect of the defence of a claim or counterclaim from a third party where your own motor insurers refuse to become involved or repudiate your motor insurance policy. 16 Claim where you: a) take action without first obtaining our consent or that of the Authorised Representative, or b) Cause delay or fail to respond to requests for assistance from us or the authorised representative. 17 Claims arising from: a) Ionising, radiations or contamination by radioactivity from irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. b) Any radioactive toxic explosive or other hazardous properties of any nuclear assembly or component thereof. c) Riot, civil commotion, war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection,military or use of power or confiscation, nationalisation, requisition, destruction or damage to property by or under the order of any government. 18 Any claim where we or the authorised representative deem there are no prospects of success. Page 13

16 CONDITIONS 1 You must: a) Observe and perform the terms and conditions of this policy. b) Minimise any amount of your claim and attempt to prevent any event which may cause a claim. c) Notify us of any event which has given or may give rise to a claim or legal proceedings involving you. In default we shall not be liable to pay your legal costs. d) Send all letters, notices and communications regarding any claim made to us or the authorised representative without delay. e) Assist us fully and give us full details of any claims and provide us with all information we reasonably request. f) Obtain our consent in writing to pay legal costs which consent will not be given unless you can satisfy us that: i) There are prospects of success for the recovery of damages. ii) The identity of the responsible person is known by you. 2 We can: a) Take over and conduct in your name any claim or the defence of any claim at anytime. b) Attempt to make a fair settlement before the authorised representative is instructed or legal proceedings issued. c) Take proceedings for our own benefit but in your name to recover any payment we have made under this policy. d) If we consider it appropriate to do so appoint a claims handler to act as your authorised representative rather than a solicitor. e) If we consider it appropriate or necessary appoint an authorised representative to negotiate and settle the claim on your behalf. If you wish to appoint your own solicitor you will only be able to do so when proceedings need to be issued and then only if your request is made in writing to us and that we are satisfied that they can handle the claim and that they agree to our standard terms for non-panel solicitors. If you disagree with our approach you have the right to arbitration as outlined in Condition 11 of this policy. f) Any authorised representative will be appointed by us in your name and on your behalf and you may not change the authorised representative without our consent. 3 In the event that you appoint the authorised representative. You must ensure that the authorised representative is aware of the conditions of this policy and the policy limit. 4 You must: a) Give such instructions to the authorised representative as we reasonably require and fully co-operate with both us and the authorised representative in all respects keeping the authorised representative and us fully advised of all developments in the claim. b) Tell us at once of all offers to settle the claim. No offer of settlement or Page 14

17 negotiation of the same can be made without our agreement in writing. c) If requested instruct the authorised representative to have legal costs taxed bythe Court or certified by the appropriate Law Society as appropriate. d) Take all steps possible to recover any legal costs we have paid and pay any such amounts recovered to us. 5 We are entitled to obtain from the authorised representative any information, document or advice relating to a claim or legal proceedings whether or not privileged. On request you will give any instruction as necessary to ensure such access. If the authorised representative refuses to grant such access however we shall have the right to refuse to pay legal costs. 6 You must not without our written consent enter into any agreement with the authorised representative as to payment of your costs. Any consent given may be withdrawn at anytime. 7 If you are declared bankrupt or go into liquidation or appoint or have a receiver appointed we may withdraw our support of any claim or legal proceedings. 8 If you discriminate or abandon legal proceedings without both our consent and the authorised representative s written advice that proceedings should be either discontinued or abandoned we will be entitled to be reimbursed by you the amount of any legal costs which we have paid or may become liable to pay. 9 At our discretion we may discharge our liabilities to you by paying an amount equal to the sum claimed. 10 If at the time of any insured incident resulting in a valid claim on this policy there exists other insurances under which you are entitled to claim for your legal costs or any part thereof we shall only be responsible for any excess in the amount of legal costs not recoverable under such other policy of insurance. 11 In the event of any dispute arising between the parties, either party may ask for the dispute to be considered by an independent arbitrator agreed upon by both parties or failing agreement one who is nominated by the President of the local Law Society. All costs of the arbitration shall be met in full by the party against whom the decision is made. Law and Language This policy shall be governed by and construed in accordance with English Law. All communication is to be conducted in English. Cancellation You have the right to cancel this policy within fourteen days of the date upon which you receive your confirmation letter or , subject to no claim being made upon the policy. Cancellation of this policy is subject to the cancellation of the motor insurance policy. A refund will be provided in accordance with the cancellation terms of the motor insurance policy. If you do not exercise this right to cancel your policy it will Page 15

18 remain in force for the term of the motor insurance policy. After this 14 day period you can cancel at any time in accordance with the cancellation terms of the motor insurance policy. Cancellation will incur administration charges that are payable to EUI for the cost of arranging and handling your policy. Details of these fees are given in `Additional Charges and Cancellation of your Motor Insurance Policy included in your welcome and renewal documents. Please contact EUI Limited, Capital Tower, Greyfriars Rd, Cardiff CF10 3AZ or call Calls to 0871 numbers are charged at 8p per minute plus network extras. Please note your Motor Legal Protection Policy will be cancelled if your motor insurance policy is declared void or ceases to be in force for any reason. Bell is a trading name of EUI Limited. Registered Office: Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ. FSA Registration Details Composite Legal Expenses Ltd is authorised and regulated by the Financial Services Authority (FSA Registration: ). AmTrust Europe Limited is authorised and regulated by the Financial Services Authority (FSA Registration: ) and is a member of the Association of British Insurers (ABI). Homestate: United Kingdom. Complaints procedure We are committed to providing you with a first class service at all times. If, however, you are not happy with any part of the service you have received then you should contact the administrator. The Managing Director, Composite Legal Expenses Ltd, Suffolk House, Trade Street, Cardiff CF10 5DT. Tel: complaints@composite-legal.com If we have given you our final response or more than 8 weeks have passed since we received your original complaint, you may refer your complaint to the Financial Ombudsman Service (FOS) at South Quay Plaza, 183 March Wall, London E14 9SR. Tel: free for people phoning from a fixed line (eg. a landline at home). OR free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02. Financial Services Compensation Scheme Amtrust and EUI limited are covered by Financial Services Compensation Scheme (FSCS). If any firm is unable to meet their obligations you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of any claim. Cover for the claim or policy is provided at 90%. You can get further information about the compensation scheme arrangements from the FSCS. The contact information is: The FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London E18BN. Tel: or enquiries@fscs.org.uk Page 16

19 Free Legal Helpline: In addition to the services that Cordner Lewis Solicitors may offer pursuant to this policy in its capacity as an authorised representative, Cordner Lewis Solicitors also offer you, your family and friends free advice in an initial telephone call on any matter involving injury or disease, not just road traffic accidents. Just telephone The helpline is available: Monday to Friday: 8am - 9pm Saturday: 9am - 5pm Sunday: 10am - 4pm. Page 17

20 This booklet is made from recycled paper. BL73_0912