Your Car Insurance Policy Booklet

Transcription

1 Your Car Insurance Poicy Booket

2 Contents What to do in the event of a caim? 3 Important notice 3 Materia Facts - Duty of Discosure 3 Caring for our customers 4 Keeping your poicy up to date 5 Our Terms and Conditions Whose products do we offer? 6 Who reguates us? 6 Ownership and cose inks 6 What is the insurance intermediary service we provide you with? 6 What wi you have to pay us for providing our services to you? 7 Your right to cance 8 Cient money and instaments 9 Introducer arrangements 9 Data protection 9 Continuous Insurance Enforcement and the Motor Insurance Database 10 Fraud prevention and detection 10 Your Insurers Poicy Wording Private Car Insurance Poicy Summary - Keyfacts 12 Information about your poicy documents 14 Contract of insurance 14 Definitions 15 Guide to cover 16 Section 1. Damage to your car (except that caused by fire or theft) 16 Section 2. Damage or oss by fire or theft 17 Section 3. Liabiity to third parties 18 Section 4. Territoria imits and using your car abroad 20 Section 5. No-caim discount 20 Genera Exceptions 21 Genera Conditions 22 Canceing this poicy 22 Endorsements 24 Important guideines when traveing abroad 26

3 What to do in the event of a caim For immediate hep and advice, 24 hours a day, every day of the year, ca our caims hepine shown on your Certificate of Motor Insurance and on your Schedue. You wi need to provide your poicy number and brief detais of the incident. Report a accidents and osses on this number. Any further information to hep you make the caim wi be provided on this number. A accidents and osses shoud be notified to us within 24 hours of the occurrence. By notifying us as soon as possibe about an incident, your insurer can sette your caim quicker and if your car is repairabe, arrange for one of their nominated repairers to be notified as soon as possibe. Furthermore quicky notifying us of the incident means that the detais are fresh in your mind and can hep your insurer essen the cost invoved in deaing with your caim, heping them to keep their prices as ow as possibe. Important notice You wi enter into two separate contracts when you take out an insurance poicy through us. The first contract is with us for arranging and administering your insurance poicy, on your behaf, and we sha charge you an arrangement and administration fee for providing our services. Our terms and conditions are set out in this document. The second contract is with the insurer noted on the certificate of motor insurance and the poicy schedue, for providing your insurance and they sha charge you a separate premium incusive of insurance premium tax. Their terms and conditions are set out in this document (pages 12-end) the statement of motor insurance, poicy key facts and the certificate and schedue, a of which are in your wecome pack. The combined arrangement and administration fee and premium wi form the tota cost of the insurance and the amounts paid in respect of the cover you hod are found in the covering etter in the wecome pack. Pease note that when we are arranging your insurance on your behaf or making any adjustments to it we are acting on your behaf as your agent. When deaing with caims for Advantage Insurance Company Limited we are acting as the agent for the insurer. A other insurer caims wi be deat with by the insurer concerned. If you are unhappy or concerned with this arrangement or wish to have more information pease do not hesitate to contact us Materia facts Duty of discosure A materia fact is one that is ikey to infuence an insurer in the acceptance and assessment of the proposa. For exampe young or inexperienced drivers, or any offence, ( incuding non motor reated offences such as drug, fraud, robbery, theft, handing stoen good, actua bodiy harm or grievous bodiy harm.) or prosecutions pending, or infirmities of any driver. It is an offence under the Road Traffic Acts to make any fase statement or withhod any materia information for the purpose of obtaining a certificate of motor insurance. A materia facts must be discosed faiure to do so coud invaidate your poicy. If you are in any doubt as to whether a fact is materia then it shoud be discosed to Hastings Insurance Services Limited or your insurer. 3

4 Caring for our customers It is aways our intention to provide you with a high eve of customer service. However, if our service ever fas beow the standard you woud expect, pease et us know by foowing the procedure beow: If you are dissatisfied with the service provided by Hastings, the best way to contact us is via e-mai at the address beow, you may aso contact us by phone or etter customerreations@hastingsdirect.com Te: (Customer Service Hepine) Customer Reations Department, Hastings essentia, Conquest House, Coington Avenue, Bexhi-On-Sea, East Sussex, TN39 3LW If you make a compaint and it cannot be resoved immediatey or by the end of the next working day, we wi send you a written acknowedgement, typicay within five working days. This acknowedgement etter wi et you know who is deaing with your concerns. We wi endeavour to resove the matter as soon as possibe. We wi fuy investigate your compaint using a the information avaiabe to us, and our Customer Reations Department wi make every effort to address your concerns. To ensure we dea with your compaint fuy our investigations can sometimes take a itte onger. If they do, we wi provide you with a fina response usuay within four weeks or expain our position and provide timescaes for responding. If our investigations take onger than four weeks we wi keep you fuy informed of the position unti we are abe to provide you with a fina response. Shoud we fai to offer you a fina response within eight weeks of the initia date of your compaint, or if you are not satisfied with our response, you may refer the dispute to the Financia Ombudsman within six months of receiving our fina response etter. Their address is: Financia Ombudsman Service South Quay Paza, 183 Marsh Wa London, E14 9SR Te: or Emai: compaint.info@financia-ombudsman.org.uk Nothing in this process wi adversey affect your rights of aw. Financia Services Compensation Scheme (FSCS) We are covered by the FSCS. You may be entited to compensation from the scheme in the unikey event we cannot meet our obigations to you. This depends on the type of insurance, size of the business and the circumstance of the caim. Further information about the compensation scheme arrangements is avaiabe from FSCS ( If you have any questions, or this poicy does not meet your needs, pease ca our Customer Service Department on (8am to 9pm Monday to Friday, 9am to 5.30pm Saturday and 10am to 5pm Sunday). 4

5 Keeping your poicy up to date The terms of your poicy and premium are based on the information you have given us. If any of this changes or if any materia facts ater (see definitions), you shoud te us by caing our Customer Service Department. Beow are some exampes of what you shoud te us. Pease note this ist is not exhaustive and you shoud contact us if you are unsure about whether you need to inform us of a change. Any changes to your poicy wi be subject to your insurers agreement and may not be acceptabe, therefore pease contact us for guidance on changes you wish to make. If a change to your poicy is acceptabe it may resut in revised terms and/or a change in the premium. Pease te us immediatey if: You or any insured drivers are invoved in an accident, no matter how trivia and regardess of faut; or You change your address or you or any insured drivers change occupations; or Your or any insured driver s driving icence is revoked either temporariy or permanenty, or the status of the driving icence has changed, e.g. if you or any insured driver has passed their driving test. Pease te us about the foowing beforehand: If you intend to ater your car, incuding cosmetic changes such as adding skirts, spoiers, aoy whees, owered suspension and bodykits. If you intend to change your car. If you intend to change what you use your vehice for. If you want to incude other drivers. Pease te us about the foowing when you renew your poicy: Any prosecutions or motoring convictions that you or any insured drivers have received during the year, or any pending prosecutions, motoring convictions or fixed penaty notices. Any medica or physica condition or disabiity, for you or any insured riders, that is notifiabe to the Driver and Vehice Licensing Agency (DVLA)/Driver & Vehice Agency Northern Ireand (DVANI), which has not been notified to and accepted by the DVLA/DVANI. Any other factors which may infuence the insurers decision to insure you. If you do not te us about reevant changes, your insurance may not cover you fuy, or at a. 5

6 OUR TERMS AND CONDITIONS Whose products do we offer? We can arrange the foowing products on your behaf with a range of insurers. If you woud ike a ist of the insurers we dea with pease ask. For each optiona additiona product we ony use a singe provider, detais of which are provided in our additiona products booket. Who reguates us? Hastings Insurance Services Limited is authorised and reguated by the Financia Services Authority (FSA). Our FSA registered number is You can check our registration on the FSA's register by visiting their website or by contacting the FSA on Our permitted business is arranging, deaing as agent and assisting in the administration of non - investment insurance contracts. Ownerships and Cose inks Hastings Insurance Services Limited is whoy owned by Hastings (UK) Limited (registered in Engand and Waes number ) which, in turn, is whoy owned by Hastings (Hodings) Limited (registered in Engand and Waes number ) which, in turn, is whoy owned by Hastings Insurance Group Limited (registered in Jersey number ) ("HIG"). If we have arranged your insurance with Advantage Insurance Company Limited, which is whoy owned by Advantage Goba Hodings Limited ("AGH"), we shoud advise that AGH is aso whoy owned by HIG. Wherever we arrange a poicy underwritten by Advantage Insurance Company Limited we wi advise you of this connection before you commit to buy. What is the insurance intermediary service we provide you with? We wi provide you with sufficient information to enabe you to make an informed decision on your purchase. As We wi not make a forma recomendation pease consider a information carefuy to ensure the product(s) meet your requirements before you decide to proceed. Our service incudes: arranging your insurance cover on your behaf with insurers to meet your requirements; and heping you with any ongoing changes you have to make, such as amendments to the cover, use and property insured. We wi aso arrange the canceation of your poicy and arrange cover with an aternative insurer if your requirement to amend your poicy is not acceptabe to your origina insurers. Additionay we wi arrange optiona additiona covers such as ega protection and breakdown where these meet your needs. We wi aso arrange the renewa of your insurance. 6

7 What wi you have to pay us for providing our services to you? Each fee is non-refundabe and is payabe at the time of the transaction to which it reates Arranging your New Poicy Ca centre arrangement (in addition to the 20 arranging your poicy fee) Posta deivery 5.00 Arranging your Renewa Amendments/Changes to your poicy Dupicate Documentation/change of registration Unpaid Cheque/Direct Debit Canceation 55.00* Payment by credit card 1.25% *reduced to 25 if canceed within the 14 day cooing off period. If we give a discount on our fees and/or the insurer's premium at the inception of your poicy, and the poicy is subsequenty canceed we sha be entited to reduce the amount of any refund to enabe us to recaim the unused portion of the discount. If you fai to pay us any money you owe us on the due date and we instruct any third party to coect this money from you, you agree that you wi pay the reasonabe costs of the third party for coecting the money for us. We use a third party to coect and store card detais in accordance with industry standards. We wi use the card detais stored on our behaf to coect payment for mid-term changes, defauted instaments incuding the associated fee, baances foowing canceation and for the renewa of your poicy. We wi inform you in advance of doing so. In the event of you receiving an overpayment, we wi attempt to recover our funds using the credit/debit card stored on our behaf. If payment is initiay made by debit/credit card any refund wi be made to the same card in accordance with the Terms and Conditions of the card issuer. A other refunds wi be made by cheque. We are unabe to give cash refunds. If you do not pay for your insurance you shoud show these detais to the person who paid on your behaf. If you pay using our Direct Debit faciity for any adjustments to your premium over the term of your oan, we hod the right to ask for part or fu payment of any additiona amount. Any return of premium wi be used to reduce your oan amount. If you fai to pay us any money you owe to us on the date due and we instruct a third party to coect this amount you agree to pay our reasonabe costs in the form of fees and reated interest charges and the reated fees and costs of the third party coecting this amount on our behaf. 7

8 Your right to cance This section contains important notes about your rights of canceation. You must read these notes carefuy. You can cance your poicy at any time by sending written notice to the address given beow, we can cance your poicy by sending you a seven-day notice in writing to your ast known address. If your poicy is canceed, we wi refund your premium as foows: If you or we cance the poicy within the 14-day withdrawa period, whether cover has commenced or not, we wi refund the part of the premium you have not used subject to our canceation fee of 25 and any charge made by the insurer. If you or we cance the poicy at any other time, we wi refund the part of the premium you have not used subject to our canceation fee of 55 and any charge made by the insurer. You may not receive a refund of premium if you have made a caim, or if one has been made against you, during the period of insurance. If you are paying by instaments and a caim has been made, you may have to pay the baance of the fu annua premium. Private Car, Motorcyce, and Van poicies We wi ony cance a Motor Poicy at your request if you meet the ega requirement to return the certificate of motor insurance to us. If you have ost the certificate of motor insurance, you must send in a competed written decaration confirming that you wish to cance and no onger have the certificate of motor insurance in your possession. Optiona Additiona Products The poicies shown in bod beow can be canceed at any time. However, uness they are canceed within the 14-day withdrawa period, they wi be subject to no return in premium. Motor Lega Protection, Breakdown, Persona Accident, Windscreen, Keycover, Substitute Vehice, Motor Excess Protector. Notes The address to return your poicy document to is: Hastings Insurance Services Ltd, Conquest House, Coington Avenue, Bexhi-on-Sea, East Sussex, TN39 3LW. The withdrawa period of 14-days commences from the time the contract is concuded. The contract is concuded, when you receive the documents from us. We are entited to assume that documents have been received in accordance with accepted principes of aw. That is: provided the document is sent to the correct address, documents posted first cass on business day one are received on business day two. If you have a baance outstanding foowing the canceation of your poicy, the credit/debit card used to pay the first instament wi be charged with the outstanding baance, as this card wi be used to secure the premium payabe for your insurance. If you do not pay for your insurance, you shoud show these detais to the person who paid on your behaf. 8

9 Cient Money and Instaments A money received by us in respect of insurance premiums is hed on behaf of the reevant insurer so that you have no risk in the event of our insovency. The tota price of your insurance is shown in your documents incuding insurance premium tax where appicabe. For ega purposes, we are required to inform you of the possibiity that other taxes or costs may exist that are not paid through or imposed by us, however, we are not aware of the existence of any other taxes or costs currenty payabe. When deaing with any amendments or aterations to your poicy, we wi not coect or refund any amounts under 1. Pease note that any interest earned by us and any investment returns on any segregated designated investments wi be retained by us. Introducer arrangements A third party may have introduced you to us and for this the introducer may be paid a fee by us. If, as a resut of an accident that was not your faut, you require ega representation, Hastings Insurance Services wi arrange for their recommended soicitors to act for you. The soicitors recommended by Hastings Insurance Services have been chosen as experts in this particuar fied. A fee is paid by the soicitors for being members of our ega services pane. We compy with the Soicitors Introduction and Referra Code as set down by the Soicitors Reguation Authority, and any soicitors to whom we may refer you are independent professionas from whom you wi receive impartia and confidentia advice. Data Protection For the purpose of the Data Protection Act 1998 the Data Controer in reation to the persona data you suppy is Hastings Insurance Services Limited. Information you provide about yoursef and others wi be used by us for insurance and account administration, providing automatic renewas, to assist you with caims and enquiries, and for statistica and research purposes. We may check and/or share information with credit reference or fraud prevention agencies, and debt coection agencies where necessary. In order to assess the terms of the insurance contract or administer caims that arise, we or the insurer may need to coect data that the Data Protection Act defines as sensitive (such as medica conditions or crimina convictions). By proceeding to provide any sensitive information about a third party (e.g. another driver), you must obtain their prior agreement to this and we wi proceed on the basis that you have done so. We wi pass your information to other organisations (e.g. insurers, service providers) to enabe them to provide the cover/services you have requested, and they in turn may pass your information to their agent(s) in order to deiver the service or carry out reevant investigations. We wi discose your information if we have been egitimatey asked to provide it for ega or reguatory purposes or in connection with actua or prospective ega proceedings. Occasionay, insurers/organisations may transmit or store your data outside the European Economic Area (EEA) in countries that do not have the same standards of protection for persona data as the UK. 9

10 Continuous Insurance Enforcement and the Motor Insurance Database Information reating to your insurance poicy wi be added to the Motor Insurance Database ("MID") managed by the Motor Insurers Bureau ("MIB"). The MID and the data stored on it may be used by certain statutory and/or authorised bodies incuding the Poice, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by aw for purposes not imited to but incuding: I. Eectronic Licensing. II. Continuous Insurance Enforcement. III. Law enforcement (prevention, detection, apprehension and or prosecution of offenders). IV. The provision of government services and or other services aimed at reducing the eve and incidence of uninsured driving. If you are invoved 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 reevant information. Persons (incuding his or her appointed representatives) pursuing a caim in respect of a road traffic accident (incuding citizens of other countries) may aso obtain reevant information which is hed on the MID. It is vita that the MID hods your correct registration number. If it is incorrecty shown on the MID you are at risk of having your vehice seized by the Poice. You can check that your correct registration number detais are shown on the MID at Fraud prevention and detection Frauduent insurance appications and caims increase insurance premiums for a poicyhoders. To prevent and detect insurance reated fraud we may check your detais with nationa fraud prevention agencies and databases incuding Insurance Hunter, Motor Insurance Anti-Fraud & Theft Register, Caims and Underwriting Exchange and the Motor Insurers Database. When we dea with your request for insurance, or hande your caim, we may search these registers. Under the conditions of your poicy, you must te us about any incident (such as accident or theft) which may, or may not, give rise to a caim. When you te us about an incident, we wi pass information reating to it to the registers. If fase or inaccurate information is provided and fraud is identified, detais wi be passed to fraud protection agencies. Law enforcement agencies may access and use this information. The insurer and other organisations may aso access and use this information to prevent fraud and money aundering, for exampe, when: Checking detais on appications for credit and credit reated or other faciities. Managing credit and credit reated accounts or faciities. Recovering debt. Checking detais on proposas and caims for a types of insurance. Checking detais of job appicants and empoyees. The insurer shown on your schedue can give you detais of the reevant agencies. The insurer and other organisations may access and use from other countries the information recorded by fraud prevention agencies. It is an offence under the Road Traffic Act to make a fase statement or to withhod information to obtain the issue of a Motor Insurance Certificate. Faiure to discose a reevant facts coud invaidate your poicy. If you are in any doubt as to whether certain facts are reevant or not, pease ask us. In particuar, you shoud discose any facts which woud infuence an insurer in the assessment and acceptance of the risk. If you give us any additiona information in writing you shoud keep a copy for your records. If requested a copy of this competed form wi be suppied to you within a period of three months after its competion. 10

11 YOUR INSURERS POLICY WORDING

12 Hastings essentia Private Car Insurance Poicy Summary This summary does not describe a the terms and conditions of your poicy, so pease take time to read the Hastings essentia Car Insurance Poicy Document to make sure you understand the cover it provides. When reviewing your Poicy it shoud be read in conjunction with your Poicy Schedue and Certificate of Motor Insurance. Insurer: Advantage Insurance Company Limited (reguated by the Financia Services Commission of Gibratar) & authorised Co-Insurers. Period of Cover: Annua poicy Refer to your Certificate of Motor Insurance and Poicy Schedue for the effective dates Poicy Features & Benefits: The features and benefits that appy to your poicy are shown beow Section 1 Damage to your Car (except that caused by Fire or Theft) We wi cover Loss of or Damage to your car, up to its market vaue. If you do not use our nominated repairer, the excess shown for the section on your Schedue wi be doubed. Section 2 Damage or Loss by Fire or Theft We wi cover Loss of or Damage to your car, up to its market vaue by Theft, Attempted Theft, Fire or Lightning. If you do not use our nominated repairer, the excess shown for the section on your Schedue wi be doubed. Section 3 Liabiity to Third Parties Lega iabiity for damage to other peopes property up to 20m (or 25m in tota, incuding a costs). Section 4 Using your Car Abroad Ony the Minimum cover required by aw to those countries outside the territoria imits as specified within the Poicy booket. Significant Poicy Excusions and Limitations Section 1 The first 300 of a caim when you car is being driven by or in the charge of any person who is under 21, or the first 200 of a caim when you car is being driven by or in the charge of any person who is aged 21 to 24, or anyone who has not hed a fu UK driving icense for at east one year. These amounts are in addition to the excesses shown on your Schedue. Cover is not provided if you or any person entited to drive on your poicy is convicted of an offence invoving drink or drugs, or was driving when under the infuence of drink or drugs, when the accident happened. Loss or damage to your car caused by an inappropriate type or grade of fue being used. 12

13 Section 2 If your car is eft unattended with the keys in it, or on it, there is no cover if it is ost or damaged by Fire or Theft. Sections 1 & 2 Cover for oss of or damage to navigationa equipment, car phones, radios, CD Payers, or any other audio equipment. There is no cover for windscreen ony caims. Cover is excuded in respect of oss of the use of your car, wear and tear, oss of vaue, oss by deception, or repossession by the rightfu owner. Excuding any Injury Loss or Damage when your car is driven by someone who is not a permitted driver. Section 3 Cover for driving other cars is not incuded on this poicy. Canceing this Poicy Withdrawa Period: You have 14 days from the date you received your poicy documentation or the start date of the poicy to cance this poicy and receive a pro rata refund of premium. A fu refund of premium wi be issued where cover has not commenced. No refund of premium wi be given if you have made a tota oss caim against your poicy. To cance this poicy pease contact Customer Services on Canceation after the Withdrawa Period: If you wish to cance this poicy after the 14 day withdrawa period, pease contact our Customer Service Department on who wi cacuate the appropriate return premium due to you. No refund of premium wi be given if you have made a caim against this poicy. For fu detais of the canceation process pease refer to the Poicy Booket. Caring for our Customers If you are unhappy with the service provided for any reason or have cause for compaint you shoud initiay contact Hastings Insurance Services Limited who arranged the poicy for you. They wi te you what they wi do to resove your concerns and how ong it wi take. In the unikey event that you remain dissatisfied you can write to: Advantage Insurance Company Limited, The Od Bank, Cannon Lane, Gibratar. After this action if you are sti not satisfied with the way a compaint has been deat with you may refer your compaint to the Financia Ombudsman Service within six months of receiving our fina response etter. The address is: Financia Ombudsman Service, South Quay Paza, 183 Marsh Wa, London, E14 9SR. Teephone: or (from mobie or non BT ines) E-mai: compaint.info@financia-ombudsman.org.uk Making a compaint wi not affect your right to take ega action Financia Service Compensation Scheme (FSCS): We are covered by the FSCS. You may be entited to compensation from the scheme in the unikey event we cannot meet our obigations to you. This depends on the type of insurance, size of the business and the circumstance of the caim. Further information about the compensation scheme arrangements is avaiabe from FSCS ( What to do in the event of a caim If you wish to report a caim pease ca

14 Information about your poicy documents Your insurance contract is made up of: This poicy; Your Schedue which has detais of you, your Insurer, your car and the cover provided; Your current Certificate of Motor Insurance which gives detais of who may drive your car and what your car can be used for; and The Proposa/Statement of Fact/Statement of Insurance which shows a the information you have provided on which the cover has been based. Your Schedue wi show you which sections and endorsements in this poicy appy to you. You shoud keep a record (incuding copies of etters) of a the information you suppy us with in reation to this insurance. Contract of insurance This poicy is a contract soey between you and the Insurer (as shown on your current Certificate of Motor Insurance). It is not intended that the Contracts (Rights of Third Parties) Act 1999 shoud confer any additiona rights under this poicy in favour of any third party. The information provided by you, to us as stated on your Proposa /Statement of Fact /Statement of Insurance forms part of this contract. If you have paid or agreed to pay the appropriate premium, and arrangement and administration fee the Insurer wi provide insurance, under the terms set out in this poicy, for injury, oss or damage occurring during the period of cover. Under European aw, you and we may choose which aw wi appy to the contract. Uness you and we have agreed otherwise, Engish aw wi appy. We wi communicate in Engish throughout the course of this contract. For and on behaf of the Insurer: Edward Fitzmaurice, CEO Hastings Insurance Services Limited 14

15 Definitions The foowing defined words wi carry the same meaning wherever they are shown in bod throughout the poicy book. Certificate of Motor Insurance The proof of the motor insurance you need by aw. The Certificate of Motor Insurance shows what car is covered, who is aowed to drive the car and what the car can be used for. Endorsement A cause which changes the terms of the poicy. Any endorsements which appy wi be shown on your Schedue. Excess The part of the caim that you must pay. Insurer The insurance company or Loyd's syndicate Insurer whose name is shown on your Certificate of Motor Insurance and Schedue. Materia Facts Facts ikey to infuence our decision to insure you such as occupation(s) of a insured drivers or any driving convictions or accidents you or any insured driver may have. Market Vaue The cost of repacing your vehice in the United Kingdom at the time the oss or damage occurred with one of a simiar make, mode, age and condition. Pubications may be used which refer to vehice vaues such as Gass's Guide to assess the market vaue, with an aowance being made for the mieage, condition and circumstances of purchase by you. Nominated Repairer A repairer from your insurer approved network, whom your insurer wi authorise to repair your car foowing a caim under Section 1 or Section 2 of this poicy. Period Of Cover The period you are insured for, as shown on your Certificate of Motor Insurance. We/Us/Our Hastings Insurance Services Limited trading as Hastings Direct on behaf of the Insurer identified on your Certificate of Motor Insurance. You The poicyhoder named on your Schedue. Your Car/Vehice The car described on your Schedue. (See Keeping Your Poicy Up To Date ). Guide to cover Your Schedue shows the cover you have. Poicy section Comprehensive 1. Damage to your car 4 2. Damage to or oss by fire or theft 4 3. Liabiity to third parties 4 4. Territoria imits and using your car abroad 4 5. No-caim discount 4 15

16 Section 1 Damage to your car (except that caused by fire or theft) What is covered 4 Loss of or damage to your car (and its accessories whie in or on your vehice or in your private garage). What is not covered 6 The excess shown for this section on your Schedue. 6 Any young and inexperienced driver excess as expained beow. 6 Loss or damage more specificay covered under sections 2. 6 Loss of use of your car (incuding the cost of hiring another vehice). 6 Wear and tear. 6 Faiures, breakdowns or breakage of mechanica, eectrica, eectronic or computer equipment. 6 Damage to your tyres caused by braking, punctures, cuts or bursts. 6 Your car osing market vaue after or because of repairs. 6 Any other oss of vaue. 6 Loss of or damage to navigationa equipment, car phones, radios, CD/DVD payers, cassettes or any other audio equipment. 6 Loss of or damage to your car where possession of it is gained by deception by someone who caims to be a buyer or agent. 6 Your car being repossessed by its rightfu owner or having to pay compensation to the owner. 6 Loss or damage if your car is being driven by anyone who is not keeping to the terms of their driving icence. 6 Any amount greater than the manufacturer s ast ist price for repacing any part or accessory ost or damaged. 6 Repairs or repacements which improve the condition of your car. 6 Loss of or damage to your car as a resut of a deiberate act by anybody insured by the poicy. 6 Your car being confiscated or destroyed by or under order of any government or pubic or oca authority. 6 Loss of or damage to your car caused by a member of your immediate famiy, or a person iving in your home taking your car without your permission, uness you report the person to the poice for taking your car without your permission and assist the poice in a prosecution. 6 Costs of importing parts or accessories or storage costs caused by deays, where the parts or accessories are not avaiabe from current stock in the UK. 6 Damage to your car if you or any person entited to drive as specified by your current Certificate of Motor Insurance is convicted of an offence invoving drink or drugs, or was driving when under the infuence of drink or drugs, when the accident happened. 6 This poicy does not provide cover for accidenta injury, oss or damage arising whist your vehice is being used in any raies. 6 Loss or damage to your car caused by an inappropriate type or grade of fue being used. Young and inexperienced driver excess You wi have to pay the first part of every caim for oss of or damage to your car. For each caim you wi have to pay the foowing: 6 The first 300 when your vehice is being driven by or is in the charge of any person who is under The first 200 when your vehice is being driven by or is in the charge of: - any person aged 21 to 24; or - any person aged 25 or over who hods a provisiona icence or who has not hed a fu UK or EU/EEC driving icence for at east one year. In either case the amount shown above wi appy on top of any other excess shown on your Schedue. You do not have to pay any excess when your car is with a member of the motor trade for servicing or repairs. 16

17 Section 1 Continued How your caims are setted For oss of or damage to your car your insurer wi either: 4 Pay for any necessary repairs; 4 pay the market vaue of your car immediatey before the oss (this is not necessariy the vaue you decared when the insurance was taken out). The insurer wi aso pay the reasonabe cost of protection and taking your car to the nearest suitabe insurer nominated repairer or a pace of storage after such damage and where appropriate returning it after repair to your address as shown in the schedue. Recyced parts or non origina parts and equipment may be used in repairs or taken into account in the caims settement. If you are sti paying for your car under a hire purchase or easing agreement we wi pay a caim for the tota oss of your car to the hire purchase or easing company. If your car is a tota oss, we may put it in free and safe storage unti we sette your caim. We wi aso be entited to take possession of your car once we have setted your caim. If you are paying by instaments and we settes a tota oss caim under this section a outstanding premium may be deducted from the caims settement. Section 2 Damage or oss by fire or theft What is covered Loss of or damage to your car (and its accessories whie in or on your vehice or in your private garage) by: 4 Theft; 4 attempted theft; or 4 fire and ightning. What is not covered 6 The excess shown for this section on your Schedue. 6 Loss of use of your car (incuding the cost of hiring another vehice). 6 Wear and tear. 6 Faiures, breakdowns or breakage of mechanica, eectrica, eectronic or computer equipment. 6 Damage to your tyres caused by braking, punctures, cuts or bursts. 6 Your car osing market vaue after or because of repairs. 6 Any other oss of vaue. 6 Loss of or damage to navigationa equipment, car phones, radios, CD/DVD payers, cassettes or any other audio equipment. 6 Loss of or damage to your car where possession of it is gained by deception by someone who caims to be a buyer or agent. 6 Your car being repossessed by its rightfu owner or having to pay compensation to the owner. 6 Loss or damage if your car is being driven by anyone who is not keeping to the terms of their driving icence. 6 Any amount greater than the manufacturer s ast ist price for repacing any accessory or part ost or damaged. 6 Loss of or damage to your car if the car is eft unattended and the keys are eft in or on your car. 6 Repairs or repacements which improve the condition of your car. 6 Loss of or damage to your car as a resut of a deiberate act by anybody insured by the poicy. 17

18 Section 2 Continued 6 Your car being confiscated or destroyed by or under order of any government or pubic or oca authority. 6 Loss of or damage to your car caused by a member of your immediate famiy, or a person iving in your home taking your car without your permission, uness you report the person to the poice for taking your car without your permission and assist the poice in a prosecution. 6 Costs of importing parts or accessories or storage costs caused by deays, where the parts or accessories are not avaiabe from current stock in the UK. 6 This poicy does not provide cover for accidenta injury, oss or damage arising whist your vehice is being used in any raies. How your caims are setted For oss of or damage to your car your insurer wi either: 4 Pay for any necessary repairs; 4 pay the market vaue of your car immediatey before the oss (this is not necessariy the vaue you decared when the insurance was taken out). Recyced parts or non origina parts and equipment may be used in repairs or taken into account in the caims settement. If you are sti paying for your car under a hire purchase or easing agreement we wi pay a caim for the tota oss of your car to the hire purchase or easing company. If your car is a tota oss, we may put it in free and safe storage unti we sette your caim. We wi aso be entited to take possession of your car once we have setted your caim. If you are paying by instaments and we settes a tota oss caim under this section a outstanding premium may be deducted from the caims settement. If the keys to your car or the ock transmitter are stoen we wi pay up to a maximum of 300, after deducting any excess under this section, towards the cost of repacing: - the door ocks and/or boot ock; - ignition/steering ock; - the ock transmitter and centra ocking interface; providing it can be estabished that the identity of the garaging address of your car is known to any person in receipt of such keys or transmitters. Section 3 Liabiity to third parties What is covered 4 We wi cover ega iabiity for the death of or injury to any person, and damage to property, caused by: - You using or being in charge of your car; - a traier, broken-down vehice or caravan whie attached to your car; - any person driving your car with your permission (as ong as your Certificate of Motor Insurance shows that he or she is entited to drive your car); - any person using (but not driving) your car, with your permission, for socia, domestic and peasure purposes; or - any person getting into or getting out of your car. 4 We wi aso cover the foowing: - Any costs and expenses your empoyer or business partner is egay iabe for as a resut of you using your car for their business. - The cost of emergency treatment under the Road Traffic Act. 18

19 Section 3 Continued 4 And, if your we first agree in writing: - Fees for any soicitor appointed by your us for representation at any coroner s inquest, fata accident inquiry or court of summary jurisdiction. - Costs of ega services arranged by us for defending a charge of mansaughter or causing death by dangerous, or careess driving. - Any other costs and expenses we have agreed to in writing. If anyone covered by this section dies as a resut of an event covered by this section, their ega representative wi have the benefit of the cover provided under this section. Under this section, there is no cover provided whie you are driving any car other than your car (as described on your schedue). Except with the insurer s written consent, no admission, offer, promise, payment or indemnity sha be made by you or any person (or on behaf of any person) caiming indemnity under the Poicy. The insurer sha be entited to conduct the defence or settement of any caim and to instruct the soicitors of their choice to act for you in any proceedings. In circumstances where it is considered appropriate your insurer wi be entited to admit iabiity on behaf of you or any person caiming indemnity under the Poicy. Such admissions may be made prior to or after the commencement of proceedings in reation to any event ikey to give rise to a caim under the Poicy. What is not covered 6 Death of or injury to, any of your empoyees during the course of their work except where your insurer needs to provide cover as required by aw. 6 Loss of or damage to, property owned by or in the care of the person caiming under this section. 6 Loss of or damage to your car or any attached traier, broken-down vehice or caravan. 6 This poicy does not provide cover for accidenta injury,oss or damage arising whist your vehice is being used in any raies. 6 Caims arising from the foowing: - Your car being driven with your permission, by someone who you know does not hod a icence to drive the vehice. (This exception does not appy if the driver has hed a icence and is not disquaified from hoding or getting one). - Your car being driven by or in the charge of any person who is not named as entited to drive on your Certificate of Motor Insurance. - Your car being driven by any person who is insured under another motor poicy. 6 Any amount exceeding: - 20 miion for oss of or damage to other peope s property incuding any reated indirect oss or damage; and - 5 miion for ega costs and expenses arising from oss of or damage to other peope s property; arising out of any caim or series of caims caused by one event. 19

20 Section 4 Territoria imits and using your car abroad This poicy covers events occurring in: Great Britain, Northern Ireand, the Ise of Man and the Channe Isands, incuding transit by sea, air or and within and between these paces. This poicy aso provides the minimum cover required by the reevant aw to enabe you or any person named on the Certificate of Motor Insurance to drive or use your car in any country which is a member of the European Union and to any other country which agrees to foow European Union directives on motor insurance and is approved by the commission of the European Union. This cover ony appies if your permanent home is in the United Kingdom; and your visit to such countries is temporary. This poicy does not cover events occurring in a country that is not incuded in the above uness we agree to extend this poicy and we issue an Internationa Motor Insurance Certificate (green card). Extending your cover abroad If you pay an extra premium, your poicy can be extended to provide the same eve of cover in the European Union and some other European countries as you have in Great Britain, Northern Ireand, the Ise of Man and the Channe Isands. You must contact us before your date of departure, giving detais of a countries you wi be traveing in or through, get written agreement to extend cover and pay any additiona premium. Ony the minimum cover required by the reevant aw wi appy uness this condition is met. If your car cannot be driven because of oss or damage covered by this section, we wi pay the reasonabe cost of deivering your car to you after repairs whie you are in the country where the oss or damage occurred. Section 5 No-caim discount If you do not make a caim during the current period of insurance, when you renew the poicy a discount wi be incuded in your premium. You may not transfer this discount to another person. If you have protected no-caim discount, your Schedue wi show that endorsement 05 appies to your poicy. If so, your no-caim bonus wi be protected but we may increase your premium if a caim is made under this poicy. 20

21 Genera exceptions This poicy does not cover the foowing: 1. Any injury, oss or damage occurring whie your car is being: Driven by or is in the charge of any person not shown on your Certificate of Motor Insurance; or used for any purpose not shown on your Certificate of Motor Insurance; or used on any race track or circuit other than accidents to which the Road Traffic Act appies. However, your car is covered whie with a member of the motor trade for the purpose of maintenance or repair. 2. Any injury, oss or damage occurring whie your car is being: Driven or in the charge of anyone who does not have a vaid driving icence, is disquaified from driving, has not hed a driving icence, is prevented by aw from hoding one and who does not meet the terms and conditions of their driving icence as required by DVLA/DVANI rues and reguations and any reevant aw. 3. Liabiity you have under an agreement, uness you woud have had the iabiity if the agreement did not exist. 4. Loss, damage, injury or ega iabiity directy or indirecty caused by, resuting from or in connection with invasion, war, revoution or any act of terrorism regardess of any other cause or event contributing concurrenty or in any other sequence to the oss, except where such iabiity is required to be covered by the Road Traffic Act. The definition of terrorism sha foow the interpretation as set out in the Terrorism Act 2000 or subsequent amendments thereto or be any act deemed by the Government or a UK Court of Law to be an act of terrorism. 5. Any injury, oss or damage (except under section 3 - Liabiity to third parties) caused by or arising from: Earthquake; or riot or civi disturbance outside Great Britain, the Ise of Man or the Channe Isands. 6. Loss, damage, injury or ega iabiity caused directy or indirecty by: Pressure waves caused by aircraft and other fying objects; or Ionising radiation or radioactive contamination from any nucear fue or from any nucear waste arising from burning nucear fue; or the radioactive, poisonous, exposive or other dangerous properties of any exposive nucear equipment or part of that equipment. 7. Any accident, injury, oss, damage or iabiity arising whie your car is in a pace used for the take off, anding, parking or movement of aircraft, incuding the associated service roads, refueing areas and ground equipment parking areas. 8. Any decision or action of a court outside Great Britain, Northern Ireand, the Ise of Man or the Channe Isands, uness the decision is made or action is taken in a foreign court because your car was used in that country and that country is in the European Union or is mentioned by name in Section Any iabiity for death, injury, iness, or oss of or damage to property, arising directy or indirecty from poution or contamination, uness it is directy caused by an event which is sudden, identifiabe, unintended and unexpected. The whoe event must happen at a specific time and pace during the period of insurance. We wi treat a poution or contamination arising from one incident as having happened at the time of the incident. This poicy does not cover caims arising from poution or contamination which happen as a resut of deiberatey reeasing substances or as a resut of eaks from your car caused by faiure to propery maintain it. This exception does not appy where your insurer needs to provide the minimum eve of cover required by aw. 10. Any oss or damage resuting from the impoundment or confiscation of your vehice by Customs and Excise, Poice or any other Government Authority. 11. Any accident, injury, oss, damage or iabiity whie your car is: Towing a traier which is unsafe or has an insecure oad. Being driven with a oad or a number of passengers which is unsafe or greater than the manufacturer s specifications. 12. Any accident, injury, oss, damage or iabiity whie your car is outside the Territoria Limits uness aowed by Section Loss or damage or iabiity which is the responsibiity of the person driving or steering any vehice being towed by your vehice or being towed by a vehice being driven by you. 14. Lega iabiity when a traier or broken-down vehice is being towed for profit. 21

22 Genera conditions You must compy with the foowing conditions to have the fu protection of your poicy. If you do not compy with them, your insurer may at their option cance the poicy or refuse to dea with your caim or reduce the amount of any caim payment. 1. Making Caims In the event of any caim under this poicy, you or any insured driver or your ega representative must phone our caims hepine with information as soon as is reasonaby possibe. The teephone number is shown on your Certificate of Motor Insurance and your Schedue. You or any insured driver must immediatey send to your insurer any writ, summons, etter, caim or other document, unanswered. You or any insured driver must immediatey te your insurer about any impending prosecution, inquest or fata accident inquiry. You or any insured driver must not admit iabiity for or negotiate the settement of any caim uness you have your insurer s written permission. You or any insured driver must give your insurer a the information and hep requested, and a information provided must be true and correct to the best of your knowedge. Your insurer can, for their own benefit: Take over and conduct the defence or settement of any caim; and Take ega action over any caim. These actions may be taken in your name or the name of any insured person. 2. Care of your vehice You or any insured driver must take a reasonabe steps to: Protect your car from oss or damage; and Maintain your car in an efficient and roadworthy condition and we may examine your car at any time. Ensure you have a vaid Department for Transport Test Certificate (MOT) for your car if one is needed by aw. 3. Canceing this poicy You have the right to cance this poicy within 14 days of taking it out or renewing it (or within 14 days of receiving the poicy documents or renewa schedue, if ater), without giving a reason. Uness you have made a tota oss caim under the poicy, you wi receive a refund of premium paid, subject to your insurer s minimum premium for any period of cover provided. In these circumstances, the effective date of canceation wi be the date that you serve notice of your wish to cance. If you serve notice of canceation prior to commencement of cover, you wi be entited to a fu refund of the premium you have paid. We or your insurer may aso cance this poicy by sending you 7 days' notice, in writing, to your ast known address. A refund of premium for the remaining period of your poicy wi be aowed as ong as no caim has arisen in the current period, subject to your insurers minimum premium. You may aso cance the poicy at any time after the initia 14-day period detaied above by returning the Certificate of Motor Insurance to us. In this event a refund of premium, subject to your insurers minimum premium,wi be cacuated with effect from the date that the Certificate of Motor Insurance s received at the offices of Hastings. If any caims have been submitted during the current annua period of insurance, no refund wi be due and if you are paying the annua premium by instaments, then the outstanding oan wi become payabe in fu. 4. Right of recovery If your insurer is required under aw to pay a caim which they woud not otherwise pay, they can recover the amount of the caim from you or the person responsibe. 5. Other insurance If any iabiity, oss or damage is covered by any other insurance, your insurer wi ony pay their share of the caim. 22