Sceentde C Insunce Policy Summy This is summy of the policy nd does not contin the full tems nd conditions of the cove, which cn be found in the policy booklet nd schedule. It is impotnt tht you ed the policy booklet cefully when you eceive it. Nme of the insue undewiting this policy The insue of this policy is Fotis Insunce Limited, egisteed in Englnd No. 354568, FSA No. 202039, Fotis House, Tollgte, Estleigh, Hmpshie SO53 3YA Type of insunce nd cove The Sceentde C Insunce policy hs thee levels of cove, Compehensive, Thid Pty Fie nd Theft o Thid Pty Only cove nd the level of cove you choose will be shown in you quottion lette nd Schedule. Policy cove will opete fo peiod of 12 months fom the dte of commencement, o s othewise shown on you policy schedule. Significnt fetues nd benefits
Cove Compehensive Thid Pty Fie & Theft Loss o dmge cused by Accident Fie, Theft o ttempted Theft Fie & Theft only Pemnently fitted udio, TV, telephone nd nvigtion equipment: Up to 500 o 10% of the mket vlue, whicheve is less, if equipment is not pt of the stndd specifiction of the c Windsceen dmge: Up to 100 ech incident unless ecommended epie is used. Fie & Theft only Thid Pty Only Clothing nd pesonl belongings: Up to 100 Legl libility fo dmge to othe people s popety up to 20,000,000 Legl libility fo you if you kill o injue someone. (This cove lso pplies to ny ccident involving tile o boken down moto vehicle which you e towing). If you cetificte of insunce sttes so, you policy povides the sme legl libility stted in the box bove when you e diving ny othe c povided it is not owned by you o hied by you unde hie puchse o lesing geement Legl costs incued with ou consent, in connection with clim ginst you policy Diving bod: Fee cove in Euopen Union counties Recovey if you vehicle cnnot be diven fte n incident coveed by you policy in Get Bitin, Nothen Ielnd, the Chnnel Islnds nd the Isle of Mn. Recovey if you vehicle cnnot be diven fte n incident coveed by you policy elsewhee in the Teitoil Limits. Pesonl ccident benefits: 5,000 fo deth, loss of sight o limb Fie & Theft dmge only Fie & Theft dmge only
Significnt nd unusul exclusions o limittions You policy excludes some situtions. Plese efe to you Sceentde policy booklet Pges 6 18 fo full detils but the most significnt o unusul exclusions e outlined below detiling whee you will find them in the policy booklet. You policy excludes o limits the following: The fist mount of ny clim fo loss of o dmge to you c. (Detiled in the Policy Schedule s excesses). Loss o dmge cused by theft o ttempted theft if the doos, windows nd oof openings e not closed nd locked o if the keys e left in n unttended c. (Detiled in Section 2 Fie nd Theft). Pesonl ccident benefits (detiled in section 5 ext cove of the Sceentde policy booklet) e not coveed fo: Any peson ove 75 yes t the time of thei injuy Any injuy o deth esulting fom suicide o ttempted suicide Anyone who is convicted fo diving whilst unde the influence of dink o dugs t the time of the ccident The mximum mount tht will be pid out fo dmge to thid pty s popety will be 20,000,000. (Detiled in Section 1 libility to othe people nd shown on you schedule). Diving othe cs cove only pplies if the c is being diven in Get Bitin, Nothen Ielnd, Isle of Mn o the Chnnel Islnds nd if you still hve you c nd it hs not been dmged beyond cost-effective epi. Cove is thid pty only. (Detiled in Section 1 libility to othe people). Any libility cused by cts of teoism s defined in the Teoism Act 2000 except whee such libility is equied to be coveed by the Rod Tffic Acts. (Detiled on Pge 15 genel exceptions) Popety insued unde ny othe policy; o popety fom n open o convetible c, unless the popety ws left in locked boot o glove comptment. (Detiled in Section 5-ext cove, item 5,). Right to Cncel If this cove does not meet you equiements you my etun you Cetificte of Moto Insunce nd schedule to us within 14 dys of eceipt nd eceive efund of pemium less ny chge fo the numbe of dys fo which cove hs
been povided. Howeve no efund will be due if clim involving the totl loss of you vehicle hs been mde. Cncelltion fte the initil 14 dy peiod. You insue o Devitt Insunce Sevices Limited, cn cncel this policy by sending you seven dys' notice in witing to you lst known ddess. You cn cncel you policy by etuning you Cetificte of Moto Insunce nd giving us seven dys' notice. Afte you o we cncel you policy, we will efund you pemium s follows. If you cncel you policy befoe the fist enewl dte, we will efund pt of you pemium s shown in the following scle. This scle tkes ccount of ou costs in poviding the policy. If the mount due when you cncel the policy is moe thn the mount you hve pid, you must py the diffeence. We will neve efund you pemium if you hve mde clim, o if one hs been mde ginst you, duing the peiod of insunce. If we etun ny of you pemium, we will clculte the mount on the dte we eceive the Cetificte of Moto Insunce o, if you hve lost the Cetificte of Moto Insunce, the signed Sttutoy Decltion. We will not efund pemiums fo policies tken out to povide less thn ye's cove. Afte you o we cncel you policy, you must meet the legl equiement to etun the Cetificte of Moto Insunce o, if you hve lost the Cetificte of Moto Insunce, the Sttutoy Decltion. Cncelltion scle Dys the policy hs been in foce Pecentge we will efund of yely pemium 8 30 60 90 120 150 180 210 240 270 271+ 88 80 70 60 50 40 30 20 15 10 0 If we cncel the policy t ny time o you cncel it fte the fist enewl dte, we will efund the pt of the pemium you hve not yet used unless clim hs isen, the ules bove will then pply. How to Clim Cll the Sceentde Clims Line on 0845 606 1791
Complints Pocedue Ou im t ll times is to povide fist clss level of sevice. Howeve, thee my be occsions when you feel tht this objective hs not been chieved. Should you hve ny quey o complint egding this insunce, plese contct Devitt Insunce Sevices Limited. You should ing 0800 435 207, if pio to tking out cove, 08456 061 790, if cove hs ledy commenced o wite to us giving detils of you complint. Plese lwys quote you efeence numbe nd/o policy numbe. The ddess is: Custome Stisfction Mnge Devitt Insunce Sevices Limited Chuchill Plce 31 Pinces Steet Ipswich Suffolk IP1 1PU If you emin unhppy, plese wite with full detils to the Mnging Diecto of Devitt Insunce Sevices Limited t the sme ddess. You my efe you complint to the Chief Executive of you insue. Plese quote the policy numbe shown on you schedule nd contct us t: Fotis Insunce Ltd Fotis House Tollgte Estleigh Hmpshie SO53 3YA If, fte tking ny of the bove ction, you e still not hppy, you will be povided with finl esponse so tht whethe you complint is bout Devitt Insunce Sevices Limited o you insue, you cn, if you wish, efe the mtte to the Finncil Ombudsmn Sevice. You my contct them on 0845 080 1800 o wite to Finncil Ombudsmn Sevice South Quy Plz 183 Msh Wll London E14 9SR.
(Tking ny of the bove ctions would not ffect you ight to tke legl ction if necessy.) You insue nd Devitt Insunce Sevices Limited e uthoised nd egulted by the Finncil Sevices Authoity. The Finncil Sevices Authoity website includes egiste of ll egulted fims nd cn be visited t www.fs.gov.uk/egiste o they cn be contcted on 0845 606 1234. Finncil Sevices Compenstion Scheme (FSCS) Unde the Finncil Sevices nd Mkets Act 2000, should the compny be unble to meet ll its libilities to policyholdes, compenstion my be vilble. Insunce dvising nd nging is coveed fo 100% of the fist 2000 nd 90% of the eminde of the clim, without ny uppe limit. Fo compulsoy clsses of insunce, insunce dvising nd nging is coveed fo 100% of the clim, without ny uppe limit. Infomtion cn be obtined on equest, o by visiting the Finncil Sevices Compenstion Scheme website www.fscs.og.uk Fotis Insunce Limited, egisteed in Englnd No. 354568, FSA No. 202039, Fotis House, Tollgte, Estleigh, Hmpshie SO33 3YA