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2 HERE TO HELP Our UK call centre staff are here to help should you have any queries. All lines are available during Octagon Opening Hours unless otherwise specified. Octagon Opening Hours Live Chat Monday - Thursday: 9am - 7pm Friday: 9am - 6pm Saturday: 9am - 4pm Let us answer your questions online at customerservices@octagoninsurance.com Customer Services * Renewals * New Claims Helpline Existing Claims Helpline * (24 hours, 7 days a week) * (Mon - Fri: 9am - 5pm) Octagon Complaints * Glass Helpline (24 hours, 7 days a week) *Calls to these numbers will cost 7 pence per minute plus your phone company s access charge. All calls are recorded for training, compliance, claims and counter fraud purposes.

3 MAKING A CLAIM If you have an accident or wish to make a claim please call our Claims Helpline within 24 hours, or as soon as practically possible after the event. All accidents or claims must be reported regardless of whether you want to make a claim or not, and whether you are at fault or not. Failing to report an accident or claim may result in your insurance being invalid. Our Claims Helpline is available 24 hours per day, 365 days per year. If your car is damaged, and the damage to your car is covered under your Policy, we will instruct one of our approved repairers to collect your car. While your car is being repaired by one of our approved repairers, they will provide you with a free Class A courtesy car for the duration of the repairs (subject to availability). All repairs carried out by our approved repairers are guaranteed for 3 years. If you request an alternative repairer, to repair your car rather than one of our approved repairers, we will not provide you with a courtesy car. You will need to get two estimates from repairers and send them into us, and we may need to arrange a physical inspection of your car before agreeing the repair. Windscreen Claims If your Policy includes Windscreen cover, please call our Glass Helpline to arrange to repair or replace your windscreen. Our Glass Helpline is open 24 hours per day, 365 days per year. What to do after an accident You must stop it is a serious offence not to do so. You must give your name and address to anyone involved in the incident, together with details of your car and your Octagon Policy number. If there is an injury or you do not give your details to anyone at the scene, you must report the incident to the police within 24 hours. Do not admit blame or liability or make an offer of payment. If any of the other people involved do this, please tell us. 2

4 CONTRACT OF MOTOR INSURANCE This Policy is a contract between you (the Insured) and us (Octagon Insurance Company Limited and its authorised Co-insurers), and is based on information that you gave us on your Statement of Facts and any other information you have given us. Sensitive information - In order to provide you with insurance we will need to process sensitive information about you and your named drivers (such as information about health or criminal convictions). Please make sure you have the consent of your named drivers before sharing their sensitive information with us. You must check your Statement of Facts carefully to ensure that as far as you know the information you have supplied is correct. You must tell us if the information is incorrect or if it changes. If you do not you may find that you are not covered. You must read this policy wording, the Schedule and Certificate of Motor Insurance together. The Schedule tells you which sections of the Policy apply and identifies any endorsements which may apply. Please check all documents carefully to ensure they give you the cover you want, and that you comply with all the relevant terms and conditions including any endorsements. In return for you paying or agreeing to pay the premium, we will provide cover, under the terms of this contract, against liability, loss or damage that happens within the geographical limits, during the period of insurance. It is not intended that the Contracts (Rights of Third Parties) Act 1999 should give anyone else any rights that they can enforce under this contract, except for those rights they have under road traffic law in any country to which this insurance applies. English law will apply to this contract unless you and we agree otherwise. Signed for and on behalf of Octagon Insurance Company Ltd, and its authorised Co-insurers whose names and addresses are available on request. Chris Hill, Chief Executive Octagon Insurance Company Limited SEVERAL LIABILITY NOTICE The obligations of Octagon Insurance Company Limited and its co-insurers under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of each insurer s individual subscription. If one of the insurers does not for any reason satisfy all or part of its obligations the other insurers will not be responsible for the defaulting insurer s obligations. Octagon Insurance Company Limited is authorised and regulated by the Gibraltar Financial Services Commission, and regulated by the Financial Conduct Authority (FCA) for the conduct of UK non-investment insurance business. The company is registered in Gibraltar (Reg. No ). Registered Office: Suite 945, Europort, Gibraltar. The Financial Services Compensation Scheme covers this policy. Further information is available at Octagon Insurance Company Limited is a member of the Association of British Insurers, the Financial Ombudsman Scheme and the Motor Insurers Bureau. This insurance is administered in the UK on behalf of Octagon Insurance Company Limited by One Quote Direct Insurance Services Ltd. One Quote Direct Insurance Services Ltd is an Appointed Representative of Europa Group Ltd, which is authorised and regulated by the FCA (FCA No ). One Quote Direct Insurance Services Ltd and Europa Group Ltd are both registered in England and Wales (Reg. Nos and ). Registered Offices: Europa House, Midland Way, Thornbury, Bristol, BS35 2JX. For more information you may wish to visit Octagon Insurance Company Limited and One Quote Direct Insurance Services Ltd are both members of the Brentstar Holdings Limited Group. 3

5 CONTENTS Here to Help Page 1 Making a Claim Page 2 Contract of Motor Insurance Page 3 Contents Page 4 Definitions Page 5 Cover Provided Page 6 Changes to Your Policy Page 7 Named Driver No Claims Bonus Page 8 Section A Liability to Third Parties Page 9 Section B Damage to Your Car Page 11 Section C - Fire and Theft Page 13 Section D - Windscreen Page 15 Section E Personal Accident Page 15 Section F Personal Belongings Page 16 Section G Medical Expenses Page 17 Section H Replacement Locks and Keys Page 17 Section I Travelling Abroad Page 17 Section J No Claim Bonus Page 18 Section K No Claim Bonus Protection Page 19 How we will settle Your Claim/Conditions which Apply to Sections B, C and D Page 20 General Exclusions Page 22 General Conditions Page 24 Cancelling Your Cover Page 26 Standard Endorsements Page 29 Customer Care/Making a Complaint Page 30 Financial Services Compensation Scheme Page 31 4

6 DEFINITIONS Whenever the following words or phrases appear they will have the meaning given below and will be shown in bold throughout this policy wording. Certificate of Motor Insurance The legal document which is evidence that you have the insurance needed by law, showing what vehicle is covered, who can drive your car, for what purposes it can be used and the Period of Insurance. Endorsement Excess Geographical Limits Keys Market Value Period of Insurance Policy A change in the terms of insurance which alters the standard wording and is indicated on your Schedule. The amount you must pay towards each claim for damage to or loss of your car under this Policy. Great Britain, Northern Ireland, the Isle of Man, the Channel Islands and while your car is being transported between any of these countries. Any keys or alternative electronic or mechanical devices designed to open your car s locks or turn on the ignition, or both. The cost of replacing your car with another of the same make, model, age, mileage and condition as your car was at the time of the loss excluding the value of a cherished plate. The length of time covered by this insurance, as shown on your current Certificate of Motor Insurance. The Contract of Motor Insurance between you and us. The Policy Wording, the Schedule, the Certificate of Motor Insurance, the Terms of Business Document, the information you gave to us on the Statement of Facts and declarations that you have made to us all form the Contract of Motor Insurance. Important Notice documents issued at renewal, which notify changes also form part of the Policy. 5

7 Schedule Statement of Facts Terms of Business Document We, us, our You, your Your Car The latest Schedule issued to you, which gives details of the Period of Insurance, the sections of the Policy which apply, the premium you have to pay, the car which is insured and details of any excess. The Schedule forms part of the Policy. The document which details the information you gave and declarations made at the time the insurance was arranged and on which we have relied when agreeing to offer this Policy. A document which details additional contract terms not included in this document. Octagon Insurance Company Limited, and its authorised Co-insurers. The person named as the policyholder on your current Certificate of Motor Insurance and Schedule. Any motor vehicle insured under your Policy and as specified on your current Certificate of Motor Insurance and Schedule. COVER PROVIDED Your current Schedule shows what cover type you are covered for. The different types of cover are: Comprehensive Sections A, B, C, D, E, F, G, H, I and J apply. Third Party Fire and Theft (TPFT) Sections A, C, I and J apply. Third Party Only (TPO) Sections A, I and J apply. Section K applies where you have purchased No Claims Bonus Protection, and this is shown on your schedule. 6

8 CHANGES TO YOUR POLICY It is important that you tell us about any changes to your Policy as it may affect your cover. Failure to notify us of any changes, may result in your Policy not being valid, and we may not pay your claim. We may also cancel or void your Policy. Please contact Customer Services to advise us of any changes, and one of our associates will be pleased to help. You should tell us immediately of any changes to the details that you provided on your Statement of Facts, or subsequent changes as they may affect the cover provided under this Policy. You should also show your Policy to anyone else who is covered under it and ensure that they are aware of its terms and conditions. For example, you must tell us if: You want to change the drivers insured under this Policy; You move house or change the place you keep your car; You expect to do fewer or more miles each year; You or anyone covered by this Policy changes their name (for example, by marriage); You change your car or the owner of your car changes; You change what you or anyone covered by this Policy use your car for (for example, you start using it for business purposes); You or anyone covered by this Policy have a new job (full-time or part-time) or takes on a second job; You or anyone covered by this Policy want to use your car for a purpose not permitted in the Certificate of Motor Insurance; You or anyone covered by this Policy have had their licence revoked or their licence has expired and has not been renewed; You make changes to your car (including fitting security devices); You or anyone covered by this Policy develops any physical or mental problem that affects your/their ability to drive; You or anyone covered by this Policy cease to be a permanent UK resident; You or anyone covered by this Policy has an accident or claim under another motor insurance policy; You or anyone covered by this Policy have had a motoring conviction, driving licence endorsement, fixed penalty points or been disqualified from driving; or You or anyone named in this Policy are convicted of a non-motoring criminal offence. This is not a full list. If you are not sure whether you need to tell us about a change in circumstances, tell us anyway. If you do not tell us about relevant changes, we may reject or reduce your claim, cancel the Policy and treat it as though it has never existed, or both. For further details see Condition 19, Change of Circumstances on Page 29. 7

9 NAMED DRIVER NO CLAIM BONUS Named drivers on Octagon Insurance policies can earn their own Named Driver No Claim Bonus (NDNCB) whilst they remain claim free on your Policy. They can transfer their NDNCB when they take out an Octagon Insurance policy of their own. Other insurers may not recognise this No Claim Bonus (NCB). The NDNCB may be lower than the NCB available to you as the policyholder. Once applied to a policy the NDNCB works in the same way as NCB in that if a claim is made the NDNCB will be reduced. To take advantage of the NDNCB, when the named driver applies to us to take out a policy in their own name, they will need to identify the policy on which they have earned this NDNCB. They will need to supply us with your name, date of birth, postcode and either your policy number or vehicle registration. 8

10 SECTION A - LIABILITY TO THIRD PARTIES What we will cover A1 - Driving Your Car This Policy covers you for your legal responsibility as a result of death of or injury to any person and damage to property caused by an incident involving your car and any trailer, caravan or vehicle being towed by your car. A2 - Driving Other Cars If your Certificate of Motor Insurance says so, this Policy provides the same cover as shown in section A1 when you are driving any other car in the UK as long as you do not own it and it is not hired to you under a Hire Purchase Agreement or leased to you under a leasing arrangement. This cover only applies if: The vehicle is a private motor car and not a commercial vehicle, a motor cycle or a car used for public or private hire; The car is not owned, hired to or leased by your Spouse or Civil partner; You have the owner s permission to drive the car; The car is being used in the geographical limits, and is registered in the United Kingdom; You still have your car and it has not been damaged beyond economical repair; There is no other insurance in force which covers the same claim; The car is driven within the limitations of use shown in the Certificate of Motor Insurance; and There is a motor insurance policy in force in relation to the other car. If you drive another car under this section, the cover provided is for Liability to Third Parties only, and there is no cover for damage, fire and theft to the car you are driving. You cannot make use of this section to release a car if it has been seized by, or on behalf of, any government or public authority. A3 - Other People Using Your Car We will also provide the cover under section A1 for: Anyone insured by this Policy to drive your car as long as they have your permission; Anyone you allow to use (but not drive) your car; Anyone who is travelling in or getting into or out of your car; and Your or your spouse s or civil partner s employer while your car is being used for business purposes providing your Schedule permits use for such purposes, unless your car is owned by, leased to or hired to your or your spouse s or civil partner's, employer or business partner. A4 - Cover for Legal Costs If we agree in writing, we will provide the following, if arising as a result of an event covered by this Policy: 9

11 Solicitors or barristers to represent anybody insured under this Policy at any coroner s inquest or fatal accident inquiry; Legal representation for defending a charge of manslaughter or causing death by dangerous or careless driving; or Any other necessary legal services if we agree beforehand. If anyone insured under this section dies while they are involved in legal action as a result of an incident covered by this Policy, we will transfer the cover we provide under this Policy to their legal personal representatives. A5 - Cover for Emergency Medical Treatment We will pay for emergency treatment charges as set out in the Road Traffic Act. If the only payment we make is for emergency treatment charges, it will not affect your No Claim Bonus. What we will not cover under Section A unless the Road Traffic Act states otherwise. We will not cover loss of or damage to property which belongs to or is held in trust by you or anybody else insured or is in your or their care, custody or control under this section of the Policy. We will not cover anyone driving your car who does not hold a valid licence to drive it, who is disqualified from driving or is driving outside the terms of their licence. We will not cover anyone who fails to keep to any of the terms, general conditions, general exclusions and endorsements of this Policy. We will not cover the liability of anyone insured under this Policy for causing the death of, or injury to, any employee who was carrying out any activity associated with their work at the time of the accident, unless the Road Traffic Act states otherwise. We will not cover the loss of or damage to your car being used or driven at the time of the accident, unless the Road Traffic Acts states otherwise. We will not cover loss of or damage to any trailer, caravan or vehicle you tow. Your car being confiscated or destroyed by or under order of any government or public or local authority. Any amount above 20,000,000, exclusive of costs and expenses, and any amount above 5,000,000 for all costs and expenses, for any claim or series of claims for loss of or damage to property, including any indirect loss or damage, arising from one event. Any costs of pursuing a civil claim arising out of an accident or incident. 10

12 SECTION B - DAMAGE TO YOUR CAR What we will cover If your car is damaged, we will arrange to: Repair the damage ourselves, or pay the appointed repairer to repair the damage; or Replace what is damaged if this is more cost-effective than repairing it. In the event that the repair or replacement is not undertaken we will settle your claim by paying you either for the amount of the damage or the market value of your car. We will decide which option is appropriate. We will not pay more than the market value of your car (including any accessories and spare parts) at the time of the loss or damage, less any excess that may apply. We will also cover subject to proof of purchase the cost of replacing or repairing your car s audio and navigation equipment up to the following amounts: 1,000 for equipment fitted as original equipment by the manufacturer; or 300 for any other equipment. What is not covered The accidental damage excess as shown under Section B in the Schedule. You must pay this irrespective of who you consider to be responsible for the damage, except where this is waivered under Section J. In addition to the amount shown above you must also pay the following: - The first 350 of any claim if the person driving or in charge of your car at the time of the accident is under 21; or - The first 250 of any claim if the person driving or in charge of your car at the time of the accident is: ¾ Aged 21 or over, but under 25; or ¾ Aged 25 or over but who has not held a full UK or EU driving licence for at least one year. Loss of or damage to your car caused by fire, or by theft, which is covered under Section C. Loss of use of your car. If a replacement for any damaged accessory or part of your car is not available, the most we will pay is its manufacturer s latest price guide and reasonable costs for fitting. 11

13 Costs of importing parts or accessories or storage costs caused by delays, where the parts or accessories are not available in the United Kingdom. Damage to your car when it is unoccupied unless all its windows, doors and roof openings are closed and locked and all keys needed to lock your car are with you or the person authorised to use your car. Loss or damage caused by wear and tear. Any reduction in the market value of your car after or because of repairs. Any mechanical, electrical or computer equipment breaking or failing to work. Damage to tyres caused by braking, punctures, cuts or bursts. Any damage that you or anyone insured under this Policy is considered to have carried out deliberately. Damage to your car as a result of deception by a person pretending to be a buyer or buying or acting on behalf of a buyer. Damage to your car, if at the time of the incident, someone in your family, or someone who is living with you was using it without your permission. (This exclusion will not apply if the person using your car is reported to the police for taking your car without your permission and is subsequently charged). Your car being confiscated or destroyed by or under order of any government, public or local authority legally taking, keeping or destroying your car. Loss or damage to any trailer, caravan or vehicle, or their contents, while being towed by your car. Damage to your car caused by towing any trailer, caravan or vehicle unless the trailer, caravan or vehicle is properly secured to your car by towing equipment manufactured for the purpose; and the method of towing the trailer, caravan or vehicle stays within the manufacturer s recommended towing limits and any other relevant law. Page 20 gives details of how we will settle your claim/conditions which apply to Sections B, C and D. 12

14 SECTION C - FIRE AND THEFT Replacing children s car seats If you have children s car seats fitted in your car and your car is involved in an accident or damaged as a result of fire or theft, we will pay up to 250, subject to purchase receipts, (after taking off any excess that applies to your Policy) towards the cost of replacing them, even if they do not seem to be damaged. To be able to claim for your children s car seats, you must be able to provide evidence that your car has been damaged. Page 20 gives details of How we will settle your claim/ conditions which apply to Sections B, C and D. What we will cover If your car is lost or damaged as a result of theft, attempted theft, fire, lightning or explosion, we will arrange to: Repair the damage ourselves, or pay the appointed repairer to repair the damage; Replace what is damaged if this is more cost-effective than repairing it; or In the event that the repair or replacement is not undertaken, we will settle your claim by paying you either for the amount of the damage or the market value of your car. If your car is lost as a result of an unrecovered theft, we will settle your claim by paying you the market value of your car. We will decide which option is appropriate. We will not pay more than the market value of your car (including any accessories and spare parts) at the time of the loss or damage, less any excess that may apply. We will also cover subject to proof of purchase the cost of replacing or repairing your car s audio and navigation equipment up to the following amounts: 1,000 if your cover is Comprehensive and the equipment is fitted as original equipment by the manufacturer; or 300 for any other equipment or if your cover is Third Party Fire and Theft. 13

15 What is not covered The fire and theft excess as shown under Section C in the Schedule. Loss of use of your car. If a replacement for any lost or damaged accessories or parts of your car are not available, the most we will pay is its manufacturer s latest price guide and reasonable costs for fitting. Costs of importing parts or accessories or storage costs caused by delays, where the parts or accessories are not available in the United Kingdom. Loss of or damage to your car when it is unoccupied unless all windows, doors and roof openings are closed and locked and all keys needed to lock your car are with you or the person authorised to use your car. Loss or damage caused by wear and tear. Any reduction in the market value of your car after or because of repairs. Any mechanical, electrical or computer equipment breaking or failing to work. Loss of or damage to your car as a result of deception by a person pretending to be a buyer or buying or acting on behalf of a buyer. 14 Loss of or damage to your car, if at the time of the incident, someone in your family, or someone who is living with you was using it without your permission. (This exclusion will not apply if the person using your car is reported to the police for taking your car without your permission and is subsequently charged). Your car being confiscated or destroyed by or under order of any government, public or local authority legally taking, keeping or destroying your car. Loss as a result of deception or fraud including loss as a result of a bank or building society not authorising a counterfeit cheque or other form of payment. Replacing children s car seats If you have children s car seats fitted in your car and your car is involved in an accident or damaged as a result of fire or theft, we will pay up to 250, subject to purchase receipts, (after taking off any excess that applies to your policy) towards the cost of replacing them, even if they do not seem to be damaged. To be able to claim for your children s car seats, you must be able to provide evidence that your car has been damaged or stolen. Page 20 gives details of How we will settle your claim/conditions which apply to Sections B, C and D.

16 SECTION D - WINDSCREEN What we will cover We will: Repair or replace the windscreen or any window of your car, if it is damaged or broken in the period of insurance as long as there has not been any other loss or damage to your car or from it; and Repair any damage to the bodywork of your car that has been damaged by broken glass from the windscreen or windows. A claim under this section only will not affect your No Claim Bonus. What is not covered Replacement: Any amount above 175 should an alternative windscreen supplier replace the windscreen rather than one of our approved windscreen suppliers. The first 75 of any claim if the glass is replaced rather than repaired. Repair: The first 25 of any claim if the glass is repaired, should an alternative windscreen repairer repair your windscreen, rather than one of our approved windscreen repairers. The cost of any alternative transport. Page 20 gives details of How we will settle your claim/conditions which apply to Sections B, C and D. SECTION E - PERSONAL ACCIDENT What we will cover If you or your spouse, civil partner or common law partner are accidentally injured or killed while travelling in or getting in or out of your car or are undertaking emergency roadside repairs to your car and this injury alone results in any of the following within three calendar months, we will pay: For death - 2,500; For permanent and total loss of sight in one or both eyes - 1,500; and For losing one or both arms (above the wrist) or legs (above the ankle) or the total loss of use in an arm or leg (an expert medical specialist must confirm this will be permanent) - 1,500. We will pay up to 5,000 for each person for each accident, and up to 10,000 for any one accident. If you or your spouse, civil partner or common law partner has any other car insurance policy with us, we will pay the benefit under one policy only. 15

17 SECTION F - PERSONAL BELONGINGS What we will not cover Under this section we will not cover: Injury or death resulting from suicide, attempting to commit suicide or deliberate injury; Injury or death if the person claiming was committing a crime at the time of the accident; Injury or death if the person claiming had been driving in excess of the legal alcohol or drugs limit at the time of the accident; or Injury or death to any person not wearing a seat belt when they have to by law. 16 What we will cover We will cover loss of or damage to clothing and personal belongings caused by fire, theft, attempted theft or an accident while they are in your car, subject to proof of purchase. What we will not cover The most we will pay for any one event is 200. Money, credit or debit cards, stamps, tickets, vouchers, documents or securities (such as share certificates). Jewellery, including watches. Goods or samples carried in connection with any trade or business. Loss or damage to mobile-phone or electronic-navigation equipment left in your car whilst it is unoccupied. Personal computers, audio and visual equipment. Wear, tear and loss in value. Property insured under any other policy. Property left in a convertible car unless it is stored in a locked boot or locked glove compartment. Property you leave in your car when it is unoccupied, and: - Your car is unlocked; or - The windows or sunroof are open.

18 SECTION G - MEDICAL EXPENSES What we will cover We will pay up to 100 towards the medical expenses for each person injured in your car if it is involved in an accident. SECTION H - REPLACEMENT LOCKS AND KEYS What we will cover If you lose your keys or they are stolen, and we decide that it is necessary to replace the keys and locks to prevent your car from being stolen, we will: Provide and fit new locks, and provide new keys; or Settle your claim by paying you the cost of replacement locks and keys. We will decide which option is appropriate. The most we will pay for any one event is 250 minus the excess of 100. What we will not cover The first 100 of any claim. Any claim if the keys were taken without your permission by a member of your immediate family or person living in your home. (This exclusion will not apply if the person who took your keys is reported to the Police). Any claim if the keys were either left in or on your car at the time of the loss. SECTION I - TRAVELLING ABROAD What we will cover Your Policy provides the minimum cover you need by law to use your car within the European Union and any other country which the Commission of the European Union approves as meeting the conditions of Article 7 (2) of the Directive on Insurance of Civil Liabilities arising from using motor vehicles (72/166/EEC). You do not need a green card or a bail bond to travel within the countries referred to above. We will also provide the cover shown in your Schedule for up to 90 days in any period of insurance while you are using your car within the countries referred to above. If you need to extend your Policy to give the same cover for more than 90 days, then you must: Tell us before you leave; Obtain our written agreement to cover you in the countries involved, and/or for the extended period; and Pay any premium we ask for. Customs Duties and Delivery Costs If your car is within any of the countries covered by this section, and is not fit to drive because of loss or damage covered by this Policy and we agree beforehand, we will cover: 17

19 The reasonable cost of delivering it to your address in the United Kingdom; and Any customs duty you have to pay as a direct result of the loss or damage. SECTION J - NO CLAIM BONUS If you do not make a claim against your Policy during the period of insurance, we will allow you a No Claim Bonus (NCB) when you renew your Policy as shown below: NCB years at Inception or Last Year s Octagon Renewal NCB Years at Renewal if you have not claimed 0 years 1 year 1 year 2 years 2 years 3 years 3 years 4 years 4 years 5 years 5 years 6 years 6 years 7 years 7 years 8 years If you do make a claim against your Policy, your No Claim Bonus will be affected as shown in the below: NCB years at Inception or Last Year s Octagon Renewal 1 fault Claim 2 fault Claims 3 fault Claims You will not lose your No Claim Bonus if: 4 fault Claims 5 fault Claims 0 years 0 years 0 years 0 years 0 years 0 years 1 year 0 years 0 years 0 years 0 years 0 years 2 years 0 years 0 years 0 years 0 years 0 years 3 years 1 year 0 years 0 years 0 years 0 years 4 years 2 years 0 years 0 years 0 years 0 years 5 years 3 years 1 year 0 years 0 years 0 years 6 years 4 years 2 years 0 years 0 years 0 years 7 years 5 years 3 years 1 year 0 years 0 years 8 years 6 years 4 years 2 years 0 years 0 years 9 years+ 7 years 5 years 3 years 1 year 0 years 18 8 years 9 years+ 9 years+ 9 years+ The only claim you make is under section D of this Policy; The only claim you make is under section A5 of this Policy;

20 SECTION K - NO CLAIM BONUS PROTECTION We can get back all the money we have paid to settle your claim from somebody else (for example, if an accident is not your fault and the other person s insurers admit full responsibility for it); You have to make a claim because: - Your car is hit by an identified driver who is not insured, and - The accident is completely their fault. (You will also not have to pay any excess in this circumstance); or You have to make a claim for damage that is as a result of vandalism; and You will not lose any of your No Claim Bonus as long as: No more than two claims are made in any period of three years; and You have paid any additional premium we have previously asked for. After two claims in the three year period, cover under this section will no longer apply. You may have to pay a higher premium or excess if any claims are made. - The incident is reported to the Police and assigned a crime reference number, and you provide us with the crime reference number; - You pay the excess; and - The damage has not been caused by another vehicle. You cannot transfer your No Claim Bonus to another person. 19

21 HOW WE WILL SETTLE YOUR CLAIM/CONDITIONS WHICH APPLY TO SECTIONS B, C AND D 1) New Car Replacement We will replace your car with one of the same make, model and specification if: Your car is less than 12 months old; and You are the first and only registered keeper (or the second registered keeper if the first registered keeper is a company we recognise as a main agent of your car s manufacturers); and Your car is a UK specification model bought from one of the manufacturer s authorised UK Dealers; and Your car has: - Been stolen and not found; or - Been damaged and the cost of repairing your car is more than 60% of the cost of buying an identical car at the time of the loss or damage (based on the manufacturer s United Kingdom list price and inclusive of VAT). We will only replace your car if you and anyone else who has a financial interest in your car agrees. If a replacement car which is the same make, model and specification as your car is not available, we will pay you the price of your car, fitted accessories and spare parts in the manufacturer s last United Kingdom price list, less any excess that may apply. If we settle a claim under this section of the Policy, your lost or damaged car becomes our property and you must send us the registration document (V5 or V5C). 2) Hire Purchase, Leasing and Other Agreements If we know that your car is owned by someone else, we will settle any claim by paying the legal owner before we pay anything left over to you. 3) Removing and Delivering Your Car If your car is in the United Kingdom and cannot be driven as a result of loss or damage which is covered under this Policy, we will cover the reasonable cost of protecting it and taking it to the nearest suitable repairer, safe place or safe storage. We will also cover the reasonable cost of delivering your car to you at the address shown in your Schedule after it has been repaired. 4) Parts We may decide to repair your car with parts which have not been made by your car s manufacturer but which are of similar standard. 20

22 5) Repairs If your car is repaired by one of our approved repairers, you do not need to get any estimates and repairs can start immediately after we have authorised them. We will instruct one of our repairers to contact you to arrange to collect your car. Repairs made by our approved repairers are guaranteed for three years. We will also cover the reasonable costs of returning your car to you following the damage being repaired. Alternatively, should an alternative repairer repair your car rather than one of our approved repairers, then you will need to send us estimates from two different repairers for us to authorise and we may need to inspect your car. We will then choose which repairer to use, and appoint them to undertake the repair. 6) Uneconomical Repairs If your car is uneconomical to repair, following an engineer s inspection and assessment of the market value of your car, we will send you an offer of payment. If we agree to settle your claim on this basis, you still owe the full annual premium as we will have met all our responsibilities to you under the Policy. Once we settle your claim, your car will become our property and you must send us the registration document (V5 or V5C). 7) Hotel or Travel Expenses If your car cannot be driven after an accident or loss, we will pay: Up to 50 for each person travelling in your car to stay in a hotel for one night if you cannot continue your journey until the next day; or Travel expenses up to 100 in total for everyone who was travelling with you in your car. The most we will pay for any one event is ) Temporary Courtesy Car We will provide a courtesy car and will appoint a company of our choice to provide the courtesy car, if you make a claim under Section B of this Policy, and: You have Comprehensive cover; and The loss or damage happens in the United Kingdom; and We accept your claim; and If there is any outstanding loan on your car then we will pay the finance company first. If our estimate of the market value is more than the amount you owe the finance company, we will pay you the balance. 21

23 Your car is being repaired by one of our approved repairers; and You agree to keep to all the repair company s conditions; and You are 18 years old or more at the time of the claim. We provide the replacement car so you can still get about while your car is being repaired. This replacement car will be a Class A vehicle, and provision of the car will be subject to availability. Your entitlement to a replacement car will end: When your car has been repaired and is ready for you to collect or for us to re-deliver to you; or After 28 days; Whichever is soonest. We will not provide a replacement car if any of the following apply: If repairing your car would cost more than 60% of its market value and we declare it a total loss; If we offer to settle your claim under the New Car Replacement clause; If your car is stolen and not found. If we have already provided a replacement car and any of the following happen, we will stop providing that car if: We offer to settle your claim under the New Car Replacement clause. GENERAL EXCLUSIONS THAT APPLY TO ALL OF THIS POLICY 1) This Policy does not apply when any car it covers is: Being driven or used by anybody who is not allowed to do so under your Certificate of Motor Insurance unless cover is provided under Section C of this Policy; Being used for purposes not shown on your Certificate of Motor Insurance; Being driven with your permission by anybody you know has never held a driving licence, is disqualified from holding or applying for a driving licence, is driving outside the terms of their licence or no longer holds a valid licence; Towing a caravan, trailer or broken-down vehicle for payment; or Towing more than one caravan, trailer or broken-down vehicle at any one time; or Being used to deliver any goods, including takeaways, fast food, catalogues and groceries in association with your employment. Repairing your car would cost more than 60% of its market value and we declare it a total loss; or 22

24 However, loss of or damage to your car is covered while your car is with a member of the motor trade for service or repair, or being parked by an employee of a hotel, restaurant or car parking service, subject to no other insurance being in place. 2) We will not pay for any liability you accept under an agreement or contract, unless you would have been legally liable anyway. 3) We will not cover any loss, damage or legal liability caused by: Ionising radiation or radioactive contamination from nuclear fuel or from burning nuclear fuel; Radioactive, poisonous, explosive or other dangerous properties of any explosive nuclear machinery or any part of it; War, invasion (whether or not war is declared), revolution, military force, acts of terrorism or other hostile events; Pressure waves caused by aircraft (and other flying objects) travelling at sonic or supersonic speeds; Pollution or contamination which is caused by a sudden, identifiable, unexpected and accidental incident which happens during the period of insurance. However, we will provide the cover you need under the Road Traffic Acts. 4) We will not pay any claim for any damage or liability caused while your car is parked or is being driven in any area of an airport, airfield, aerodrome or military base used for moving, parking, taking off or landing aircraft. 5) Apart from events covered under Section A, we will not cover any accident, injury, loss or damage that happens outside Great Britain, the Isle of Man or the Channel Islands that is caused by riot or civil commotion, or arising from an earthquake. 6) We will not cover use to secure the release of a motor car, other than your car, which has been seized by or on behalf of any government or public authority. 7) This Policy will not cover loss, damage, injury or liability while your car is being used on a racetrack or on the Nürburgring Nordschleife. 8) We will not pay more than our legal obligation under the Road Traffic Acts for any claim, if the driver of the car insured by us was found to have been driving whilst above the legal alcohol or drugs limit at the time of the accident. We will seek to recover any monies we have paid as a result of our obligations under the Road Traffic Act. 9) We will not cover any loss, damage or liability if you do not live permanently in the geographical limits. 23

25 GENERAL CONDITIONS THAT APPLY TO ALL OF THIS POLICY 1) General We will only provide cover set out in this Policy if you keep to all the terms and conditions of the Policy, and all the information given to us must be complete and correct as far as you know. You are responsible for making sure that information relating to all drivers the Policy covers is complete and correct. 2) Fraud, Misrepresentation and Non-disclosure Deliberate or reckless misrepresentation or non-disclosure Where we investigate a Policy or claim and establish deliberate or reckless misrepresentation or non-disclosure, we may void the Policy and/or repudiate claims. You will lose all premiums you have paid for this Policy. In addition we may recover any sums paid by way of claims costs under the Policy. Careless misrepresentation or non-disclosure Where we investigate a Policy or claim and establish careless misrepresentation or non-disclosure, we may void the Policy and/or repudiate claims. If we void the Policy you may receive a premium refund and we may recover any sums paid by way of claims costs under the Policy. Fraud Clause 24 We will not pay your claim and cover will cease if you or someone acting for you, or any person insured by this Policy make a claim which is: - in part, or fully false or fraudulent; - supported by any false or fraudulent statement or document; or - exaggerated. You will lose all premiums you have paid for this Policy. Fraud prevention agencies and databases We check and share details with fraud prevention agencies and databases. If you fraudulently provide us with false information, statements or documents, we will record this on anti-fraud databases and may also notify other organisations such as law enforcement agencies. The Data Protection Notice in The Terms of Business Document provides additional information. Other policies If we cancel or void your Policy we may also cancel all other policies which you have with us, from the date of the fraud, misrepresentation or non-disclosure. 3) Deliberate loss, damage or injury If you, or someone acting for you, deliberately cause loss, damage or injury we will not pay your claim and cover will cease. You will lose all premiums you have paid for this Policy. In addition we may recover from you any sums paid by way of claims costs under this Policy. 4) How to claim and how to tell us about claims which may be made against us You must tell us, within 24 hours or as soon as practically possible afterwards, about any event that could give rise to a claim under this Policy.

26 You must send us any notice of prosecution, inquest or fatal accident inquiry or any letter, summons, claim or writ to us, unanswered as soon as you receive it. You, or anyone covered by this Policy, must not negotiate, admit an accident is your fault, offer or promise payment unless you have our permission in writing. If you know about any possible legal action or inquiries that might be carried out, you must tell us immediately in writing. We may, in your name or in the name of any other person covered by this Policy, take over and deal with any claim made against this Policy. We may try to recover from others any money we have paid out under this Policy. At all times anyone who makes a claim or is involved in an incident under this Policy must provide us with full co-operation and information as is requested, failing which indemnity may be declined and you may be liable for any claims made. 5) Personal Belongings Where we pay the cost of replacing personal belongings, audio or navigation equipment insured under this Policy we will pay the value of the damaged equipment just before the loss or damage happened. 6) Other Insurance and contracts If you are covered by any other policy for any claim we will not pay for any part of the claim. 7) Taking care of your car Anyone covered by this Policy must take all reasonable steps to ensure that: Your car is in a roadworthy condition and is safe to drive; and You do all you can to keep your car and its contents safe. If your car is damaged by something covered under this Policy, you must do whatever is necessary to protect your car and its accessories from further loss or damage. If we ask, you must let us examine your car at any reasonable time. Your car must have a current MOT certificate (if it applies). 8) Car Sharing Your Policy covers you for carrying passengers for social or similar purposes in return for payment. But it does not cover you if: Your car is made or adapted to carry more than eight people (including the driver); You are carrying the passengers as customers of a passenger-carrying business; or You are making a profit from the passengers payments. 25

27 9) Cancellation Cancellation by us We have the right to cancel your Policy by sending you seven days notice to your last known address, and in the case of Northern Ireland to the DVANI. We will return the premium for the part of the Policy that you have not yet used provided you have not made a claim during the period of insurance or an incident has occurred which may result in a claim. A 50 cancellation fee will be applied if we cancel your Policy as a result of you failing to supply us with documentation or information we have requested. A 50 cancellation fee will also be applied if we have cancelled due to you not paying an instalment and a claim has not been made. If we have cancelled due to you not paying an instalment and you have made a claim, or one has been made against you during the current period of insurance, then the balance of the year s premium shall become payable. We will not give you a refund if you have claimed or if an incident has occurred which may result in a claim. Cancellation by you outside of the 14-day cooling off period If you want to cancel your Policy outside of this 14-day period, you must notify us in advance of the date and time you wish the Policy cancelled. We will return the premium for the part of the Policy that you have not yet used less a 50 cancellation fee provided you have not made a claim during the period of insurance or an incident has occurred which may result in a claim. If you pay by instalments and you have made a claim during the period of insurance or if an incident has occurred which may result in a claim you must pay the balance of the year s premium. Cancellation by you within the 14-day cooling off period If this Policy does not meet your needs you have 14 days from the date you receive your Policy documents to cancel the Policy or the date you enter into the contract (whichever is the later) and we will return the premium for the part of the Policy that you have not yet used less a 20 administration fee. You must notify us in advance of the date and time you wish the Policy to be cancelled. 26

28 10) Paying your Premium If you are paying your premium in instalments and you miss a payment, we may cancel your cover. If you have not paid your premium we may refuse your claim or take any unpaid premiums from any claim payment we make to you. 11) Automatic Renewal We may automatically renew your Policy on the expiry date. If we plan to automatically renew, we will let you know we are planning to do this before cover ends together with sending you details of the renewal premium. If you do not wish to renew this Policy, you should let us know before the renewal date. 12) Dealing with other people It is our policy to deal with your spouse or Civil Partner who call us on your behalf, provided they are named on the Policy. We may also deal with other people who call on your behalf, with your express consent. If at any time you would prefer us to deal only with you, please let us know. 13) Data Protection Act 1998 We may use information we hold about you to contact you about insurance. Information may be used by us and by our service providers acting under our instruction for the purpose of arranging and handling your Policy and to ensure that any claim is settled effectively. We may use information for research, marketing or statistical purposes. We will not use your information or pass it on to any other person for the purposes of marketing further products or services to you. Additional information can be found in the Terms of Business Document. By accepting this insurance you agree to this exchange of information. 14) Tax, Vehicle Registration and your duty of disclosure Your car must be taxed and registered in Great Britain or Northern Ireland and where required, must have a current Department of Transport test certificate (MOT). You must, when requested furnish us with a copy of your MOT Certificate and V5 or V5C. You must also, when requested furnish us with copies of the driving licences of all drivers named on the Policy. 27