YOUR LEGAL ASSISTANCE POLICY

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1 OFFICIAL TITLE SPONSOR YOUR LEGAL ASSISTANCE Insurance POLICY In the event of a claim please call LegalAssist_Policy_Booklet V4.0

2 This document should be read by all Clients as this will contain vital information as to the workings of the legal expenses insurance policy. This document is a policy summary only and in no way contains the full terms and conditions of the legal expenses policy. For this information, please refer to the legal expenses policy itself which can be found by logging on to MCE Claims Assist is managed by White Knight Solutions Limited. White Knight Solutions Limited is a claims management company, regulated by the Ministry of Justice in respect of regulated claims management services. The legal expenses insurance policy will entitle the holder to legal assistance in the event of a not at fault road traffic accident, to recover damages and out of pocket expenses where there is sufficient evidence to support these losses. The legal expenses policy will run concurrently with the motor insurance policy and is subject to renewal on an annual basis. There are no penalties, refunds or notification periods for cancellation of this policy as the policy is designed to run concurrently with your vehicle insurance policy. Any claim you wish to make under this legal expenses policy must be made direct to MCE Claims Assist, 35 Castle Street, Southport, PR9 0NR. Any claims brought against the legal expenses policy where the value of the claim is less than the small claims limit will be subject to an administration fee of being deducted from the settlement. Features and Benefits of this policy To assist Clients in the recovery of damages arising out of a not at fault road traffic collision where there are reasonable prospects of success. Up to 100,000 of legal fees Calls answered 24 hours per day, 7 days per week. Fully integrated claims care process which will arrange for the collection, inspection and repair of your vehicle, usually instigated within 24 hours. Use of a hired replacement vehicle where eligible. Call handlers who can advise as to the claims process from start to finish. Access to a panel of legal experts who specialise in road traffic collisions who will guide you through the litigation process. Significant Features and Benefits Significant Exclusions or Limitations Policy Section The insurer will pay the insured s Legal Costs & Expenses up to the Limit of Indemnity, including the cost of appeals for claims reported during the period of insurance for the following Insured Events. Uninsured Loss Recovery We will cover an event that causes damage to your vehicle and/or personal property in or on it. Personal Injury We will cover an event causing death or personal injury to any driver or passenger whilst in or on an Insured Vehicle The claim is always more likely to be successful than not, and is reported to us immediately after becoming aware of the circumstances. The Insured always agrees to use the Appointed Advisor nominated by us, prior to the issue of proceedings or in any claim falling under the jurisdiction of the Small Claims Court. For cases in England and Wales falling outside of the Small Claims Court, cover is limited to your Appointed Advisor s costs. Up to 100,000 of legal fees For cases in England and Wales, the first 50 where the value of the claim is less than the small claims limit is not covered. Up to 100,000 of legal fees For cases in England and Wales, the first 50 where the value of the claim is less than the small claims limit is not covered. 3) Your Policy Cover 4) Your Policy Cover 4) Legal Costs and Expenses 2

3 What is MCE Claims Assist? MCE Claims Assist is a cost-effective insurance product that will help protect you should you need to pursue your legal rights following a not at fault road traffic accident. Legal issues can be complex and sometimes difficult to resolve, but with MCE Claims Assist you will have peace of mind knowing that we are with you every step of the way, by removing the financial burden that stressful legal situations can bring. MCE Claims Assist is designed to help in a number of situations including: Pursuing a claim for death or personal injury. Recovering your uninsured losses that can include the recovery of your motor policy excess, loss of earnings, and the cost of repairs if not covered under your motor policy. Providing you with access to a replacement vehicle whilst yours is being replaced or repaired. Our claims team will be available to answer your questions, by telephone or , to provide you with the reassurance you need at what can be a very difficult time. When a claim does occur you can be assured that we will appoint a solicitor, or another professional with the expertise in the area of law that matches your problem; this being a key component to providing maximum impact at the outset. Claims Procedure If you are involved in an accident: Under no circumstances should you instruct your own lawyer as we will not pay the costs incurred and it could invalidate your cover. MCE Claims Assist operates a 24 hour, 365 day per year motor claims reporting helpline. Please immediately telephone in the event of you being involved in a motor accident. We will require details of the accident and names and addresses of all parties involved including any witnesses. If the advisor does not believe the accident is your fault, we will arrange for: a legal expert to contact you who will offer to act for you in relation to the recovery of your uninsured losses. you to be contacted in relation to the provision of a replacement vehicle. Do not take any action in relation to recovery of your uninsured losses until you hear from us. Cooling Off Period What happens if I change my mind after taking out the Policy? The Policy provides you with a 14 day reflection period in which to decide whether you wish to continue. Cancellation is fully explained in condition 8 of the Policy wording. About us and your insurer White Knight Solutions Ltd is an authorised representative of Fletchers Solicitors Ltd who are regulated by the Financial Services Authority (firm reference number ) and is authorised to administer this insurance by ARAG plc who underwrite this insurance under a binding authority agreement on behalf of the insurer, Brit Syndicate 2987 at Lloyd s (written under unique market reference B0356KA233D12A000 or replacement thereof) managed by Brit Syndicates Limited. ARAG plc and Brit Syndicate 2987 at Lloyd s are authorised and regulated by the Financial Services Authority, registration number and respectively. This can be checked by visiting the FSA website at or by contacting the FSA on What happens if the insurer cannot meet its liabilities? ARAG plc and Brit Syndicate 2987 at Lloyd s are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation up to 90% of the cost of your claim, in the unlikely event that the Insurer cannot meet its obligations. Further information about compensation scheme arrangements is available from the FSCS. What happens if I have a complaint? We are committed to providing a first class service at all times. However, if a complaint arises, please contact us using the number you would ring to report a claim. The staff handling your call should be able to resolve it. If in the course of those discussions it becomes clear that the matter has not been resolved to your satisfaction, details of your complaint will be passed to our Customer Relations Department (details below), where we will arrange to have it reviewed at the appropriate level. We will also contact you to let you know that we are reviewing your complaint. 3

4 Alternatively, you can contact our Customer Relations Department directly; we can be reached in the following ways: ARAG plc, 9 Whiteladies Road, Clifton, Bristol, BS8 1NN customerrelations@arag.co.uk (hours of operation are 9am-5pm, Monday to Friday excluding bank holidays, for our mutual protection and our training purposes, calls may be recorded). If a complaint remains unresolved you may refer it to the Financial Ombudsman Service. They can be contacted at: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. telephone: If your complaint remains unresolved, you may refer it to the Financial Ombudsman Service. They can be contacted at: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR enquiries: enquiries@financial-ombudsman.org.uk 4

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