Keep me safe Va Isurace Policy documet
WELCOME TO HIGHWAY Thak you for choosig to purchase a Highway Isurace policy. Highway Isurace is part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool Victoria, which also trades as LV=, is the UK s largest friedly society ad a major provider of isurace ad fiacial services products. As a friedly society ad mutual, Liverpool Victoria exists wholly for the beefit of its members. We have o shareholders takig a share of our profits. Istead we ivest our profits i makig our products competitive ad deliverig a outstadig customer service. Our claims service goes the extra mile. Committed to doig the right thig for our policyholders, we will aim to settle claims quickly, eve i the most difficult circumstaces. If you would like to lear more about Highway please visit our website at: www.highway-isurace.co.uk Joh O Roarke Maagig Director Highway Isurace Compay Limited Documet of va isurace 1
CONTENTS Importat Iformatio Data Protectio Notice 3 How To Make A Complait 7 Defiitio of Terms ad Words Defiitios 9 Cotract of Motor Isurace Va 12 Cover ad Use 12 Coolig-off Cacellatio Right 13 Cacellig your Policy (Outside the Coolig-off Cacellatio Right) 13 Chages to your details 14 Sectio 1 Liability to others: Third Party Cover 17 Sectio 2 Fire ad Theft 20 Sectio 3 Accidetal Damage 22 Sectio 4 Widscree ad Widows 24 Sectio 5 Persoal Accidet, Persoal Belogigs ad Medical expeses 25 Sectio 6 Drivig Abroad 27 Sectio 7 No Claims Discout 29 Sectio 8 Lock Replacemet Lost ad Stole Key Cover 30 Claims Hadlig 31 Geeral Exclusios 36 Geeral Coditios 39 2 Documet of va isurace
IMPORTANT INFORMATION Please read this policy, the schedule (icludig ay edorsemets) ad the certificate of motor isurace very carefully. Together with the iformatio you gave us i the proposal form or statemet of fact, ad the declaratios that you have made, they form the cotract of motor isurace. You should pay particular attetio to the geeral exclusios, the geeral coditios ad ay edorsemets which apply. The words that appear i bold throughout this policy are defied o pages ie, te ad eleve ad have the same meaig wherever they appear. Please tell your isurace adviser immediately if you have ay questios, the cover does ot meet your eeds, or ay part of your isurace documetatio is icorrect. Data Protectio Notice How we use your persoal iformatio This iformatio explais how we may use your details ad tells you about the systems we use that allow us to detect ad prevet fraudulet applicatios ad claims. The savigs that we make help us to keep premiums dow. The way i which we may use your persoal data is cotrolled by the requiremets of the Data Protectio Act 1998. Highway Isurace Compay Limited is registered for the purpose of processig persoal data. Iformatio provided to us may be held, whether or ot you purchase a policy, o computer, paper file or other format. We will hold this iformatio for a reasoable time to esure that a clear ad complete history of isurace equiries, applicatios, policy records ad trasactios is maitaied. Subject to paymet of a fee, you ca ask for a copy of the persoal iformatio we hold about you by writig to the CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. For details of the Liverpool Victoria group of compaies please refer to www.lv.com The iformatio (some of which may be sesitive data) may be used to process ad admiister your isurace by us ad our agets (eg service providers both withi ad outside the Europea Ecoomic area with which we have agreemets). It may also be used or disclosed to regulators for the purposes of moitorig ad eforcig our compliace with ay regulatio. Documet of va isurace 3
IMPORTANT INFORMATION CONTINUED Occasioally, your persoal iformatio may be disclosed to selected third parties who are assistig us i service improvemet activities. All phoe calls may be moitored ad recorded ad used for fraud prevetio ad detectio, quality cotrol ad traiig purposes. If credit or debit card details are provided to us we may use this iformatio to automatically reew your isurace policies. We will oly do this where we have your permissio. If your details have bee obtaied through oe of our affiity associatios we may pass some of your iformatio, icludig policy details ad ogoig iformatio, to that affiity orgaisatio for membership, busiess aalysis ad other relevat purposes. If you move to a ew isurer we may cofirm certai details about your isurace to them. We will oly do this if we are sure it s a geuie request. If we receive a request for policy iformatio by a idividual other tha the policy holder we will check that the policy holder has give permissio to do this. Sesitive persoal data will ot be used for marketig purposes. Credit Search We use iformatio obtaied from a umber of sources icludig credit referece agecies. This helps us to cofirm your idetity, allows us to give you a quote ad decide which paymet optios we ca offer you, for example, payig mothly. You will see a record of this search if you request a Credit Report. No other orgaisatio who may coduct credit searches will be able to see it. The search wo t affect your credit record or credit ratig i ay way. 4 Documet of va isurace
IMPORTANT INFORMATION CONTINUED Previous claims ad icidets You must tell us about ay claim or icidet (such as fire, water damage, theft or a accidet) whether or ot you claimed for them. Whe you tell us about a claim or icidet we will pass iformatio about it to various databases. We may search these databases: whe you apply for isurace if you have a claim at reewal We will do this to validate your claims history or that of ay other perso or property likely to be ivolved i the isurace or claim. Fraud prevetio ad detectio We will check your iformatio agaist a rage of registers ad ati fraud databases for completeess ad accuracy. We may also share your iformatio with law eforcemet agecies, other orgaisatios ad public bodies. If we fid that false or iaccurate iformatio has bee give to us, or we suspect fraud, we will take appropriate actio. If fraud is idetified, details will be passed to fraud prevetio agecies. Law eforcemet agecies may access ad use this iformatio. We ad other orgaisatios, icludig those from other coutries, may also access ad use this iformatio to prevet fraud ad moey lauderig, for example, whe: checkig details o applicatios for credit ad credit related or other facilities maagig credit ad credit related accouts or facilities recoverig debt checkig details o proposals ad claims for all types of isurace checkig details of job applicats ad employees Please cotact us at GFC, LV=, Couty Gates, Bouremouth, BH1 2NF if you wat to receive details of the registers ad fraud prevetio agecies. Documet of va isurace 5
IMPORTANT INFORMATION CONTINUED Motor Isurace Database We will add details about your isurace policy to the Motor Isurace Database ( MID ) which is maaged by the Motor Isurers Bureau ( MIB ). The MID ad the data stored o it may be used by the Police, the DVLA, the DVANI, the Isurace Fraud Bureau ad other bodies permitted by law for purposes ot limited to but icludig: electroic licesig cotiuous isurace eforcemet law eforcemet (prevetio, detectio, apprehesio ad/or prosecutio of offeders) the provisio of govermet services ad/or other services aimed at reducig uisured drivig If you are ivolved i a road traffic accidet (either i the UK or abroad), isurers ad/ or the MIB may search the MID to obtai relevat iformatio. Other persos (icludig their appoited represetatives) pursuig a claim i respect of a road traffic accidet (icludig foreig citizes) may also obtai relevat iformatio held o the MID. It s vital that the MID holds your correct registratio umber. If ot you risk the Police seizig your vehicle. You ca check that your correct registratio umber is show o the MID at www.askmid.com Tellig you about other products ad services Uless you have idicated otherwise, we ad other carefully selected orgaisatios may use your iformatio to keep you iformed of other products ad services that may be of iterest to you. You may be cotacted by post, telephoe or other appropriate meas. If you would rather ot receive such iformatio please write to CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. 6 Documet of va isurace
IMPORTANT INFORMATION CONTINUED How To Make A Complait If you have a complait about your policy or the service you have received, please cotact the broker, itermediary or aget that arraged it. If they are uable to resolve your complait you may refer your complait to the Fiacial Ombudsma Service withi six moths of receivig their fial respose letter. Should you be uhappy with the service provided by Highway please cotact us by phoe o 0800 028 9822 (For TextDirect please dial 18001 first. Opeig hours Mo-Fri 9am-5pm). If you prefer to write, please address your letter to The Customer Care Departmet, Highway Isurace, Highway House, 171 Kigs Road, Bretwood, Essex CM14 4EJ Email: customercare@highway-isurace. co.uk. Whe cotactig us please esure you quote your policy or claim umber as appropriate. A copy of our iteral complaits procedure is available o request. If we caot resolve your complait, you may refer your complait to the Fiacial Ombudsma Service withi six moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, Exchage Tower, Harbour Exchage Square, Lodo, E14 9SR. Telephoe 0800 023 4567 or 0300 123 9 123 (from mobile or o BT lies) Email complait.ifo@fiacial-ombudsma.org.uk. Makig a complait will ot affect your right to take legal actio. Documet of va isurace 7
IMPORTANT INFORMATION CONTINUED Fiacial Services Compesatio Scheme What happes if we are uable to meet our liabilities? If we are uable to meet our liabilities to our policyholders, you may be able to claim compesatio from the Fiacial Services Compesatio Scheme (FSCS). There are differet levels of compesatio, depedig o what kid of isurace you have: Compulsory isurace such as third party motor isurace, is covered for 100% of the claim. No compulsory isurace, such as home isurace, is covered for 90% of the claim. You ca get further iformatio from the Fiacial Services Compesatio Scheme 10th Floor, Beaufort House, 15 St Botolph Street, Lodo EC3A 7QU. Telephoe 0207 741 4100 or e-mail, equiries@fscs.org.uk. 8 Documet of va isurace
DEFINITION OF TERMS AND WORDS Defiitios The followig words or phrases have the same meaig wherever they appear ad are show i bold throughout this policy. Certificate of Motor Isurace Legal evidece of your isurace. It is oe part of the cotract of motor isurace. It shows the vehicles we are isurig, who may drive the isured vehicle (where ay authorised driver is stated, refer to the schedule for restrictios), what it may be used for ad the period of isurace. Cotract of Motor Isurace The policy, the schedule (icludig edorsemets), the certificate of motor isurace, the iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, all form the cotract of motor isurace. Edorsemets Somethig which alters your isurace cover. Your cover will be affected by ay edorsemet that is show o the schedule. (Such edorsemets may add exclusios to the cover or require you to take actio such as fittig approved security.) More tha oe edorsemet may apply. If you do ot comply with ay edorsemets, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. Excess The amout you have to pay towards each claim you make uder this cotract of motor isurace. There may be more tha oe excess, part of which may be volutary (where you have chose to take a excess to receive a discout o your premium). The amout of the excess is show o the schedule. Family or Household Ay member of the policyholder s family, or ay other perso, who is a permaet or temporary residet at the policyholder s address. Geeral Coditios These describe your resposibilities, geeral iformatio ad the procedures that apply i certai situatios, such as whe there is a claim or the cotract of motor isurace is cacelled. Geeral Exclusios These describe the thigs that are ot covered by the cotract of motor isurace. They are i additio to the exclusios show uder the headigs What is ot covered i each of the Sectios detailig the cover provided. Documet of va isurace 9
DEFINITION OF TERMS AND WORDS CONTINUED Geographical Limits Great Britai, Norther Irelad, the Isle of Ma ad the Chael Islads. It also icludes travellig by sea, air or rail betwee these places. Sectio 6 explais the cover that applies whe drivig abroad. Highway Isurace The tradig ame of Highway Isurace Compay Limited. Highway Isurace Compay Limited A isurace compay, part of the Liverpool Victoria group of compaies, authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. Isurace Adviser The perso or compay you purchased this isurace from. Isured Vehicle The vehicle(s) show o the curret schedule ad certificate of motor isurace. Market Value The cost at the date of the accidet or loss of replacig the isured vehicle, if possible, with oe of a similar make, model, age, coditio ad mileage. We will usually ask a egieer to give us advice about the market value of the isured vehicle, referrig to guides of vehicle values ad ay other relevat sources. I assessig the market value, you should cosider the amout that could reasoably have bee obtaied for the isured vehicle if you had sold it immediately before the accidet, loss or theft. Period of Isurace The legth of time covered by this cotract of motor isurace, as show o the curret schedule ad certificate of motor isurace. Persoal belogigs Certai property i the isured vehicle, which you wear or use i every day life which belogs to you or ayoe travellig i the isured vehicle. Sectio 5 of this policy sets out the cover ad limits which apply, ad the items of persoal belogigs which are ot icluded. Policy This booklet, which sets out the details of cover ad all the terms ad coditios which apply. It is oe part of the cotract of motor isurace. Proposal Form or Statemet of Fact The documets filled i by you, or o your behalf by a isurace adviser, or someoe else, ad all other iformatio you gave ad declaratios made at the time the isurace was arraged ad o which we have relied whe agreeig to offer this cotract of motor isurace. If you do ot give us the full iformatio requested at the start, ad tell us about chages, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. 10 Documet of va isurace
DEFINITION OF TERMS AND WORDS CONTINUED Schedule Forms part of the cotract of motor isurace ad cofirms details of you, the isured vehicle(s) ad the cover which applies. It is oe part of the cotract of motor isurace. Stadard Accessories Accessories made available for the vehicle by the maufacturer as optioal extras ad for which a receipt must be provided. Stadard accessories do ot iclude modificatios to the isured vehicle or ay other accessory fitted to it ot provided by the vehicle maufacturer. We, our, us Highway Isurace Compay Limited tradig as Highway Isurace. You, Your The perso, compay or tradig ame (icludig subsidiary compaies) show as the Isured o the schedule ad certificate of motor isurace. Documet of va isurace 11
CONTRACT OF MOTOR INSURANCE Va This policy, the schedule, the certificate of motor isurace, iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, form a legally bidig cotract of motor isurace betwee you ad Highway Isurace Compay Limited, tradig as Highway Isurace. This cotract of motor isurace is a cotract persoal to you ad you caot trasfer it to ayoe else. We agree to isure you uder the terms of this cotract of motor isurace agaist ay liability, loss or damage that occurs withi the geographical limits durig the period of isurace for which you have paid, or agree to pay, the premium. You must read this policy, the schedule ad the certificate of motor isurace together. The schedule tells you which sectios of the policy apply ad idetifies ay edorsemets. Please check all three documets carefully to make sure that they give you the cover you wat ad that you comply with all the relevat terms ad coditios, icludig ay edorsemets. It is ot iteded that the Cotracts (Rights of Third Parties) Act 1999 should cofer ay additioal rights uder this policy i favour of ay third party. Uless we agree with you to apply the laws of aother coutry, Eglish Law will apply to this cotract (uless you live i Guersey or Jersey, where Guersey or Jersey law will apply). All commuicatios will be i Eglish. Your Cover The curret schedule shows what you are covered for. The differet kids of cover are: Comprehesive Sectios 1, 2, 3, 4, 5, 6, 7 ad 8 apply. Third Party Fire ad Theft Sectios 1, 2, 6 ad 7 apply. Third Party Oly Sectios 1, 6 ad 7 apply. Fire ad Theft Oly Sectio 2 oly. Use This cotract of motor isurace oly covers you if you use the isured vehicle i the way described i your certificate of motor isurace (uder Limitatios as to Use ) ad ay edorsemets. 12 Documet of va isurace
CONTRACT OF MOTOR INSURANCE CONTINUED Coolig-off Cacellatio Right We hope you are happy with the cover this policy provides. However, you have the right to cacel it withi 14 days of receivig the policy, without givig ay reaso. You may cacel usig this coolig-off period by tellig us, or your isurace adviser, i writig or by email or telephoe ad cacellatio ca take effect immediately or from a later date, although it caot be backdated to ay earlier date. If you do cacel i the first 14 days usig the coolig-off cacellatio coditio, we will charge you pro rata, subject to a miimum fee of 25 + Isurace Premium Tax, for the cover provided from the begiig of the cotract util the policy is cacelled, uless we are required to make a total loss paymet uder the policy, uder which circumstaces a refud of the premium is ot payable. Cacellig your Policy (Outside the Coolig-off Cacellatio Right) You may cacel this cotract of motor isurace at ay time by tellig us, or your isurace adviser, i writig or by email or telephoe ad cacellatio ca take effect immediately or from a later date, although it caot be backdated to ay earlier date. If you or someoe else has ot made a claim i the curret period of isurace, we will refud part of your premium. We will work out the refud o a pro-rata basis less a premium charge of 25 + Isurace Premium Tax to cover our admiistratio costs. We will ot refud ay of your premium if the cotract of motor isurace is cacelled followig a claim whether settled or ot. We, or our authorised aget, may cacel this cotract of motor isurace by givig you seve days otice i writig to your last kow address where there is a valid reaso for doig so. Valid reasos may iclude, but are ot limited to, if: you do ot pay your premium, premium deposit or ay istalmet paymet o or before the due date; you or ayoe else covered by this isurace has ot met all the terms ad coditios of this policy; a chage i your circumstaces meas we ca o loger provide cover; where we idetify misrepresetatio or fraud or ay attempt to gai a advatage uder this isurace to which you are ot etitled; Documet of va isurace 13
CONTRACT OF MOTOR INSURANCE CONTINUED you do ot provide us or your isurace adviser with ay requested documets. The isurace will ed immediately the seve days otice rus out. If you have just take out the policy or reewed it with us ad the premium is upaid, we will cacel your isurace from the start/reewal date. We will refud the balace of your premium that applies to the remaiig period of isurace uless fraud has bee idetified. If a refud is paid, a premium charge of 25 + Isurace Premium Tax to cover our admiistratio costs will be deducted from the refud. If you or someoe else has made a claim, we will cacel your cover but may ot refud ay premium. If you are payig by istalmets, you must still pay the balace of the full aual premium. If you produce a cacelled certificate of motor isurace to ay perso with the itetio of deceivig that perso ito acceptig it as geuie, you may be prosecuted. Chages to your details You must tell your isurace adviser as soo as possible if ay of the details o your proposal form or statemet of fact chage icludig: Chages made to your vehicle which improve its value, appearace, performace or hadlig. Chagig your vehicle. Chages i the way your vehicle is used. Chage of address or where you keep your vehicle. Chage of occupatio, icludig part time work. Chage i the mai user of the vehicle. Details of ay medical coditios for ay perso who may drive the vehicle. Details of ay motorig covictios, fixed pealty offeces or licece edorsemets for ay perso who may drive the vehicle. Details of ay crimial covictios for ay perso who may drive the vehicle. 14 Documet of va isurace
CONTRACT OF MOTOR INSURANCE CONTINUED Details of ay accidets, thefts, loss or damage, regardless of blame or whether a claim was made or ot, for ay perso who may drive the vehicle. This is ot a full list ad you should cotact your isurace adviser for advice if you are ot sure whether a chage will affect your cover. Whe you advise us of ay permaet or temporary chages to your policy durig the period of isurace which we agree to, or if you request duplicate documets, a premium adjustmet charge of 10 + Isurace Premium Tax will be made i additio to ay other chage i premium to cover our admiistratio costs. This charge is i additio to ay admiistratio fees charged by your isurace adviser. If your chage of circumstaces meas that we ca o loger provide cover, we or our authorised aget will give you otice of cacellatio, see Cacellig your Policy (Outside the Coolig-off Cacellatio Right). If you do ot tell your isurace adviser of a chage we will be etitled to do oe or both of the followig: reject or reduce paymet of your claim. Cacel the policy ad/or treat it as though it ever existed. Documet of va isurace 15
Additioal Iformatio The followig does ot form part of the Cotract of Motor Isurace Vehicle Crime Lear How to Beat the Crimials Most crime prevetio methods are commo sese: Never leave valuables o show. Use good quality locks ad security devices.* Always esure your steerig lock is o whe you leave your vehicle ad use a steerig wheel lock.* Fit lockig wheel uts to your wheels. Do t make life easier for thieves, always remove the keys from your vehicle ad lock it whe you leave it, eve temporarily. Not to do so may ivalidate your cover so lock it or lose it! Remove ay etertaimet equipmet if you ca. Always park your vehicle i a secure locatio, i your ow garage or a secure public garage if possible. Always lock your vehicle ad activate ay alarm &/or immobiliser whe you leave it. You ca obtai further iformatio from your local Crime Prevetio Officer at your local Police statio, or visit:http://www.secureyourmotor.gov.uk/ * We recommed you istall security devices such as steerig wheel locks, alarms ad immobilisers that are accredited by Thatcham Motor Isurace Repair ad Research Cetre. For further iformatio visit: http://www.thatcham.org/ 16 Documet of va isurace
SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER What is covered We will isure you agaist everythig you legally have to pay to people who claim for damages, costs ad expeses if they arise from a claim caused by a accidet while you are drivig, loadig or uloadig (directly from the isured vehicle), or i charge of the isured vehicle, if you kill or ijure other people. We will also isure you for your legal liability for damage to their property (icludig ay related idirect loss) up to 5,000,000 ad for costs ad expeses icurred up to 5,000,000. We will also isure you while the isured vehicle is towig a trailer or ay oe vehicle, so log as the towig is allowed by law ad the trailer or broke-dow vehicle is attached properly to the isured vehicle by towig equipmet made for this purpose. What is ot covered Loss or damage to the isured vehicle, trailer or vehicle beig towed. Ay amout above 5,000,000 for damage to other people s property (icludig ay related idirect loss) ad ay amout above 5,000,000 for costs ad expeses icurred. Property or goods belogig to (or i the care of) you or your passegers, or beig carried i or o ay trailer or vehicle beig towed. Death or ijury to the perso drivig or i charge of the isured vehicle or to ay perso beig carried i or o, or gettig ito or out of, or gettig o to or off, a trailer or vehicle beig towed. Loss or damage to ay bridge, weighbridge, viaduct, road or other surface over which the vehicle is drive, or aythig uder the surface caused by the weight or vibratio of the isured vehicle or its load. Loss, damage or liability caused by pollutio or cotamiatio as a result of ay load seepig from the isured vehicle or ay load spillig from, or shiftig i, the isured vehicle. Legal liability whe you are towig ay carava, trailer or broke-dow vehicle for profit. Liability for death, ijury or damage whe the isured vehicle is ot o a public road ad is i the process of beig loaded or uloaded by ay perso other tha the driver or attedat of the isured vehicle. Documet of va isurace 17
SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER CONTINUED Liability for death, ijury or damage resultig from usig the isured vehicle, or of machiery attached to it, as a tool of trade. Liability for death or ijury to ay employee of the perso isured arisig durig the course of their employmet. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. Drivig other cars extesio. You are ot covered uder this policy to drive ay other vehicle. Ay liability that is ot required to be covered uder the terms of the Road Traffic Act whilst you are loadig or uloadig directly from the isured vehicle. Isurig Others What is covered We will also isure the followig people uder this Sectio. Ay perso you allow to use the isured vehicle as log as your curret certificate of motor isurace says they ca ad they are ot excluded from drivig by a edorsemet show o the schedule. Ay perso (other tha the perso drivig) beig carried i, or gettig i or out of, the isured vehicle or ay perso who causes a accidet while they are travelig i, or gettig i or out of, the isured vehicle. If ayoe covered by the cotract of motor isurace dies, we will cover their legal represetative to deal with ay claims made agaist that perso s estate. Isurig others What is ot covered Legal liability if your curret certificate of motor isurace does ot cover the perso usig the isured vehicle, or if the perso usig the isured vehicle is excluded from drivig or holdig a valid licece, or usig the isured vehicle as a result of the geeral exclusios, geeral coditios ad ay edorsemets. Ay liability that is ot required to be covered uder the terms of the Road Traffic Act whilst ay perso is loadig or uloadig directly from the isured vehicle. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. 18 Documet of va isurace
SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER CONTINUED Costs of Legal Represetatio What is covered Followig a claim uder this cotract of motor isurace, we will pay the reasoable legal costs ad expeses relatig to. solicitors fees for represetig ayoe we isure at a coroer s iquest, fatal accidet iquiry or court summary of jurisdictio; ad the defece of ayoe we isure agaist ay legal proceedigs for maslaughter or causig death by dagerous or reckless drivig. I assessig whether legal costs ad expeses are reasoable the followig will be cosidered. the level of experiece required of the legal represetative takig ito accout the ature of the case. the level of costs charged by the legal represetative. whether legal represetatio for a defece of prosecutio is likely to affect the outcome. We may, at ay time, stop payig the legal costs ad expeses. Costs of Legal Represetatio What is ot covered Ay costs which have ot first bee agreed i writig by us or arisig from a claim caused by a accidet which is ot covered uder this cotract of motor isurace. Ay costs where we have chose to stop paymets or arisig from a claim which is ot covered as a result of the geeral exclusios, geeral coditios ad edorsemets. Emergecy Medical Treatmet What is covered We will pay for the Emergecy Treatmet Fees, as required by the Road Traffic Acts, after a accidet ivolvig the isured vehicle. We must, by law, provide this cover. If this is the oly paymet we make, your No Claims Discout will ot be affected. Emergecy Medical Treatmet What is ot covered Ay amout that is more tha the compulsory fee. Documet of va isurace 19
SECTION 2 FIRE AND THEFT What is covered We will cover you for loss or damage to the isured vehicle that is caused by fire, lightig, explosio, theft or attempted theft. This icludes stadard accessories o it. We will also pay for loss or damage to the isured vehicle s fitted etertaimet equipmet up to the limit stated o the schedule. What is ot covered Ay vehicle which is ot the isured vehicle ad ay loss or damage if you do ot have cover uder this sectio. Wear ad tear, mechaical, electrical, electroic ad computer failure, breakdows or breakages. Compesatio for you ot beig able to use the isured vehicle, ay delay where we have to get ew parts or accessories or they are uavailable, or the value of the isured vehicle reducig for ay reaso. Ay other idirect loss. Loss or damage caused by failure to protect the isured vehicle, (see Care of the Vehicle uder the geeral coditios), or if it has bee left ulocked ad/or with the keys, lock trasmitter, etry card or other igitio cotrol device left i, o or i the immediate proximity of the vehicle. Loss or damage from repossessio of the isured vehicle ad returig it to its rightful ower. Loss or damage from ay agreemet or proposed trasactio for sellig or hirig the isured vehicle or someoe takig the isured vehicle by fraud, trickery or deceptio or attemptig to purchase the isured vehicle by fraudulet meas. Loss or damage arisig from the isured vehicle beig take or drive by a perso who is ot a isured driver but is a member of the policyholder s family or household, or beig take or drive by a employee or exemployee, uless you report the perso to the police for takig your vehicle without your coset. Loss or damage resultig from usig the isured vehicle, or of machiery attached to it, as a tool of trade. 20 Documet of va isurace
SECTION 2 FIRE AND THEFT CONTINUED Loss or damage caused deliberately by you or ay perso drivig the isured vehicle with your permissio. Ay additioal damage resultig from the isured vehicle beig moved by you, or ay perso drivig the isured vehicle with your permissio, after a accidet, fire or theft. Ay storage charges uless you tell us about them ad we agree i writig to pay for them. Tools of trade, persoal belogigs (uless you have cover uder Sectio 5), documets or goods. Ay amout above the limit stated o the schedule for fitted etertaimet equipmet. Keys, remote cotrol or security devices (whether lost or stole) uless you have cover uder Sectio 8. Tapes, cassettes, compact ad mii discs, Citizes-Bad radios, phoes or phoe equipmet. Ay loss or damage up to the amout of the excess that appears o your schedule. Ay satellite avigatio equipmet or accessories, whether permaetly fitted or ot, that are ot stadard accessories. Ay loss or damage caused by failure to maitai the isured vehicle ad safeguard it from such loss or damage. Ay loss or damage from the isured vehicle beig cofiscated, disposed of or destroyed by or uder order of ay govermet or public or local authority order. Documet of va isurace 21
SECTION 3 ACCIDENTAL DAMAGE What is covered We will cover you for loss or damage to the isured vehicle. This icludes stadard accessories o it. We will also pay for loss or damage to the isured vehicle s fitted etertaimet equipmet up to the limit stated o the schedule. What is ot covered Ay loss or damage described i what is ot covered uder the Fire ad Theft sectio of this policy. We also do ot cover the followig: Damage to tyres caused by wear ad tear, brakig, puctures, cuts or bursts. Damage caused by frost, uless you have take care to stop the damage happeig ad have followed the maufacturer s istructios to avoid liquid freezig i your vehicle. Loss or damage arisig from the isured vehicle beig filled with the wrog fuel. Ay satellite avigatio equipmet or accessories, whether permaetly fitted or ot, that are ot stadard accessories. New Va Replacemet If, withi oe year of you buyig the isured vehicle from ew ad you were the first registered ower, it is: stole ad ot recovered, or damaged so that repairs will cost more tha 60% of the maufacturer s price list (icludig taxes ad the cost of accessories) at the time of the loss or damage; We will replace the isured vehicle with a ew oe of the same make, model ad specificatio. If a replacemet vehicle of the same make, model ad specificatio is ot available we will, where possible, provide a similar vehicle of idetical list price. 22 Documet of va isurace
SECTION 3 ACCIDENTAL DAMAGE CONTINUED New va replacemet does ot apply if: You, or ayoe we kow has a iterest i the isured vehicle, does ot agree. The isured vehicle is more tha oe year old at the time of the loss or damage. You were ot the first registered ower of the isured vehicle, icludig if the vehicle was pre registered by the motor dealer from whom it was purchased. You did ot buy the vehicle from ew. The repairs cost less the 60% of the maufacturer s price list (icludig taxes ad the cost of accessories). You wish to have the claim settled o a cash basis whe the most we will pay is the market value of the isured vehicle ad its stadard accessories at the time of the loss or damage. We are ot liable for the cosequeces of ay delay i gettig the replacemet vehicle. Documet of va isurace 23
SECTION 4 WINDSCREEN AND WINDOWS What is covered We will pay for damage to the isured vehicle s widscree or widows. If this is the oly damage you are claimig for, your No Claims Discout will ot be affected. The schedule shows the maximum amout we will pay: I ay oe period of isurace if the widscree or widow is replaced or repaired by Highway Glasslie (Phoe 0800 678 1010); or I ay oe period of isurace if ay other supplier carries out the repair or replacemet. What is ot covered Ay loss or damage if you do ot have cover uder this Sectio. Damaged suroofs, roof paels icludig damage to ay part of a covertible hood, lights or reflectors, eve if they are made of glass. The excess, uless you have your widscree or widow repaired rather tha replaced. (The excess must be paid direct to the repair or replacemet compay if your widscree or other widows are replaced, rather tha repaired.) Extra costs for the work to be carried out outside ormal hours, uless the widscree is shattered or the driver s visio or the security of the isured vehicle is affected. 24 Documet of va isurace
SECTION 5 PERSONAL ACCIDENT, PERSONAL BELONGINGS AND MEDICAL EXPENSES Persoal Accidet What is covered If you, your husbad, your wife or your civil parter (as defied i the Civil Partership Act 2004) are ivolved i a car accidet, we will pay the amouts show below if, withi three moths of the accidet, it directly causes oe of the followig: Death 2,500 Total loss of oe or more limbs 2,500 Permaet blidess i oe or both eyes 2,500 The most we will pay is the limit for ay oe cause of death or ijury durig ay oe period of isurace. We will oly make a paymet if the ijury or death is directly coected with a accidet ivolvig the isured vehicle, ad ot if it happes while you, your husbad, your wife or your civil parter were travellig i or gettig ito or out of ay other vehicle that you do ot ow ad is ot hired or leased to you. Persoal Accidet What is ot covered Ay loss if you do ot have cover uder this Sectio. Ayoe who is uder 21 or 75 or older at the time of the accidet. Death or bodily ijury caused by suicide or attempted suicide, self-ijury or by drugs, alcohol or aythig take or ihaled. Death or bodily ijury caused by disease, physical sickess or disability. Ayoe failig to keep to the law regardig the use of seat belts. Persoal Belogigs What is covered We will pay up to 300 for persoal belogigs i your vehicle, if they are lost or damaged because of a accidet, fire, theft or attempted theft. If someoe else ows the property, you ca ask us to settle the claim with the ower of the property. We may eed proof of purchase. Documet of va isurace 25
SECTION 5 PERSONAL ACCIDENT, PERSONAL BELONGINGS AND MEDICAL EXPENSES CONTINUED Persoal Belogigs What is ot covered Ay loss or damage if you do ot have cover uder this Sectio. Persoal belogigs covered by ay other isurace. Moey, stamps, tickets, documets, securities, jewellery or furs. Goods, tools of trade or samples coected with your work or ay other trade, or ay cotaier for these thigs. Radios, cassette, compact or mii disc players, MP3 players, tapes or discs, televisios, phoes or phoe equipmet, computers or computer equipmet ad accessories, computer game cosoles or games ad accessories, Citize-Bad radios ad accessories. Keys, remote cotrol or security devices. Property take from a ulocked vehicle or which you have ot take care to protect from loss or damage. Medical Expeses What is covered If you or your passegers are ijured because of a accidet ivolvig the isured vehicle, we will pay up to 100, i additio to the compulsory Emergecy Medical Treatmet fee (see Sectio 1), for each perso for ay medical treatmet they receive. Medical Expeses What is ot covered Ay medical expeses if you do ot have cover uder this Sectio. 26 Documet of va isurace
SECTION 6 DRIVING ABROAD Miimum Isurace What is covered We provide the miimum cover that applies to the coutry cocered to allow you to use the isured vehicle covered by this isurace i: Ay coutry which is a member of the Europea Uio, Adorra, Icelad, Norway, Serbia ad Switzerlad. The miimum cover automatically provided by this cotract of motor isurace may vary from coutry to coutry. Miimum Isurace What is ot covered Damage to the isured vehicle Customs ad Excise duty Cover i additio to Miimum Isurace What is covered We will exted your cover to apply to: Ay coutry which is a member of the Europea Uio, Adorra, Icelad, Norway ad Switzerlad. The isured vehicle whilst it is beig trasported by rail, sea or air betwee coutries, which you have cover for. If you are travellig by sea, it must be by a recogised sea route ad the jourey should ot take loger tha 65 hours. For up to a quarter of the period of isurace as log as: the isured vehicle is taxed ad registered withi the geographical limits, ad Your mai ad permaet home is withi the geographical limits ad your visit abroad is oly temporary. Documet of va isurace 27
SECTION 6 DRIVING ABROAD CONTINUED Cover i additio to Miimum Isurace What is ot covered Customs or Excise duties. Use for more tha a quarter of the period of isurace. Loss or damage i ay coutry which is ot a member of the Europea Uio, Adorra, Icelad, Norway or Switzerlad. The isured vehicle, uless it is beig used for purposes described i the certificate of motor isurace. Ay additioal accommodatio or travel costs or expeses icurred. Additioal iformatio whe travellig abroad The followig does ot form part of your cotract of motor isurace. Do take out adequate travel, breakdow ad recovery isurace to cover all evetualities, eve o a short trip. Do ot sig a Agreed Statemet of Facts form uless you fully uderstad ad agree with its cotets. I some coutries they are bidig agreemets of the circumstaces of a icidet. 28 Documet of va isurace
SECTION 7 NO CLAIMS DISCOUNT If this is a yearly cotract, ad you do ot claim uder this isurace ad you have ot bee ivolved i a accidet which has or may result i a claim agaist you, we will give a discout from your reewal premium. If the isurace covers more tha oe vehicle, the No Claims Discout will apply separately for each vehicle. You caot trasfer your No Claims Discout to ayoe else. We will reduce or remove your No Claims Discout, i accordace with the scale below, if we make ay paymet whatsoever, eve if the accidet is ot your fault, uless we get the moey back from someoe else. We may withhold the No Claims Discout i full or part if there are ay claims that have ot bee settled. If we recover all our moey, or we have good reaso to believe a third-party claim would be usuccessful, the No Claims Discout would apply agai. Curret NCD (Years) After 1 Claim (Years) After 2 Claims (Years) After 3+ Claims (Years) 1 0 0 0 2 0 0 0 3 1 0 0 4 2 0 0 5+ 3 1 0 If you have a protected No Claims Discout (show o the schedule) we will ot reduce the Discout if you do ot claim more tha twice durig five cotiuous periods of isurace. The protected No Claims Discout oly applies while you are isured by us ad caot be trasferred to aother isurer. Premiums i future years may still be icreased accordig to the claims history. Documet of va isurace 29
SECTION 8 LOCK REPLACEMENT LOST OR STOLEN KEY COVER What is covered If the keys, lock trasmitter or etry card for the keyless etry system of your isured vehicle are lost or stole, we will pay up to a maximum of 500 towards the cost of replacig: the door ad boot locks the igitio ad steerig locks the lock trasmitter; ad the etry card provided that we are satisfied that ay perso who may have the keys, trasmitter or etry card kows the idetity or locatio of your isured vehicle, ad care is take to safeguard the keys, trasmitter or etry card from loss. What is ot covered Ay amout i excess of 500. 30 Documet of va isurace
CLAIMS HANDLING We aim to provide you with the best claims service that we ca. If you use the services we have put i place to achieve this, we ca provide a better service tha whe the claim is outside our cotrol. There are some importat poits that you should be aware of if you are ivolved i a accidet or your vehicle is stole. Accidet You must STOP at the scee of the accidet, do ot drive away util you have exchaged details with the other party ivolved. Give your ame, address ad isurace details. Get the ame, address, phoe umber, vehicle registratio ad ay other iformatio you ca from the other driver or drivers, passegers, witesses ad ay attedig police officer. Note the exact locatio ad ay relevat road sigs or markigs. If there is a ijury ad you did ot give your details at the scee, report the icidet to the police withi 24 hours. Theft Report the theft to the police immediately ad take a ote of the officer s ame, umber costabulary ad crime referece umber. If you kow where the vehicle is after its theft, make sure that it is safe ad secure. Documet of va isurace 31
CLAIMS HANDLING CONTINUED Claims Procedure If ay accidet, ijury, loss or damage occurs you, or your legal represetative, must do the followig: Iform us by callig our Cotact Cetre (UK) o 0800 028 9655 as soo as is reasoably possible. If your claim is for glass oly call our glasslie o 0800 678 1010. Sed us, uaswered, every letter you receive about a claim as soo as possible. Tell us, as soo as you kow, about ay prosecutio, coroer s iquest or fatal accidet ijury. Not admit liability or egotiate a settlemet without our writte permissio. Give ay iformatio, help ad co-operatio we eed, icludig goig to court if ecessary. We may do the followig Take over, defed or settle ay claims i your ame, or that of ay other perso isured. Take actio (which we will pay for) i your ame, or that of ay other perso isured, to get back ay moey we have paid. Widscree Damage Rig 0800 678 1010 (See Sectio 4) Cotact Highway Glasslie (0800 678 1010) as soo as possible after the isured vehicle s widscree is damaged. Some widscree damage ca be repaired. If so, o widscree excess will apply. 32 Documet of va isurace
CLAIMS HANDLING CONTINUED Hadlig your claim (See Sectios 2, 3 ad 8) We will do the followig: Get a aget to take the isured vehicle to the earest Approved Repairer or aother safe place if you caot drive it. Refer you to a Approved Repairer. You ca take the vehicle to them or they will collect it ad retur it to after a estimate has bee prepared. Sed the vehicle to a Approved Repairer, or aother repairer of your choice, if we disagree with the estimate for repairig it provided by a o-approved repairer. If the isured vehicle is beig repaired by a Approved Repairer from our etwork, they will provide you with a courtesy vehicle, wherever possible this will be a va, for the duratio of the repair to the isured vehicle. We will isure the courtesy vehicle uder this isurace i exactly the same way as we isure the isured vehicle. You must retur the courtesy vehicle whe the ower or we ask you to or if this isurace expires ad you do ot reew it. Treat the isured vehicle as stole if it has ot bee recovered withi 30 workig days after you reported the theft to our Cotact Cetre. It must still be missig whe we pay your claim. Have your vehicle examied by our ow or our appoited egieer. You must do the followig: Tell us straightaway if the isured vehicle is stole ad you later get it back, or discover where it is. Sed us the Vehicle Registratio documet ad Departmet of Trasport Test (MOT) Certificate if the isured vehicle eeds oe, keys ad ay other documets we ask for before we pay your claim. Get our permissio before orderig ay ew part or accessory, ad before payig for ay trasport outside the geographical limits. Documet of va isurace 33
CLAIMS HANDLING CONTINUED Payig your claim (See Sectios 2, 3, 4 ad 8) We will do the followig: Pay the reasoable cost of protectig the isured vehicle. Pay the reasoable cost for the isured vehicle to be brought back to the address show o the schedule. (We will ot pay the cost of ay trasport outside the geographical limits uless we agree to do so first.) Etirely at our discretio ad subject to paymet of the policy excess, arrage to: a) repair the damage at our Approved Repairer, we may decide to use suitable parts or accessories which are ot supplied by the origial maufacturer, or alteratively authorise repairs at a repairer of your choice subject to the provisio of satisfactory estimates. b) pay you the cost of replacig or repairig the damaged parts, icludig their fittig, or c) treat the isured vehicle as a total loss ad pay you the market value of the vehicle less the excess just before the loss or damage happeed. Pay the last kow cost show i the maufacturer s price list ad the reasoable cost of fittig if ay lost or damaged part or accessory is o loger available. Not pay the whole cost of ay repair or replacemet that leaves the vehicle i a better coditio tha before the loss or damage (you will pay part of the cost of the repair or replacemet). Not refud ay premium if the isured vehicle is writte off or there is ay claim. Oce you accept our offer or we have paid the claim (or both) the isured vehicle becomes our property, uless we agree otherwise. Settle the claim to the legal ower, up to the market value, if the isured vehicle is part of a hire-purchase or leasig agreemet, or belogs to someoe else. 34 Documet of va isurace
CLAIMS HANDLING CONTINUED We will ot pay the VAT elemet of ay claim if you are registered for VAT. If we declare the isured vehicle a total loss (write off), you must pay whatever you owe us before we will pay your claim, or we may take what you owe us from aythig we pay you. You must do the followig: Pay ay excess direct to the repairer whe you collect your vehicle. Pay the VAT direct to the repairer whe you collect your vehicle if you are registered for VAT. Reimburse us ay amout paid to ay repairer i respect of a claim uder the cotract of motor isurace i relatio to the VAT elemet of the total cost, if you are registered for VAT. Documet of va isurace 35
GENERAL EXCLUSIONS These geeral exclusios apply to the whole of this cotract of motor isurace ad describe the thigs which are ot covered. These apply as well as the exclusios show uder What is ot covered i each of the Sectios detailig the cover provided. This cotract of motor isurace does ot cover claims arisig from ay of the followig. 1 Ay accidet, ijury, loss or damage that happes while the isured vehicle is beig: used for a purpose which it is ot isured for; drive or i the charge of ayoe who is ot described i the certificate of motor isurace as a perso etitled to drive or who is excluded from drivig by ay edorsemets or covered by aother isurace; Drive or i the charge of ayoe who does ot have a valid drivig licece, has ot held a drivig licece, is disqualified from drivig or is preveted by law from holdig a licece. drive or i the charge of ayoe who does ot meet the terms ad coditios of their drivig licece as required by DVLA / DVLNI rules ad regulatios ad ay relevat law; drive or i the charge of ayoe who does ot meet all the coditios described i the edorsemets o your schedule ad all the geeral coditios i this policy; kept or used i a usafe or uroadworthy coditio. (You may be asked to provide details to show the isured vehicle was regularly maitaied ad kept i good coditio); kept or used without a curret Departmet of Trasport Test (MoT) certificate if oe is eeded; kept or used i ay way that breaks ay security requiremets imposed by a edorsemet; used to carry passegers or goods i away likely to affect the safe drivig ad cotrol of the vehicle; or 36 Documet of va isurace
GENERAL EXCLUSIONS CONTINUED used for carryig dagerous loads; or used i or o restricted areas of airports, airfields or military bases. 2 Ay liability that you have agreed to accept uless you would have had that liability ayway. 3 Ayoe who does ot meet all the coditios described i the edorsemets o your schedule ad all the geeral coditios i this policy ad ay other coditio of this policy. 4 Hirig out the isured vehicle for moey, uless this use is described i the certificate of motor isurace (uder Limitatios as to Use). 5 Racig of ay descriptio or beig used i ay cotest, competitio, rally or speed trial (apart from treasure huts). 6 The isured vehicle beig used o ay form of race track, de-restricted toll road (icludig the Nurburgrig) or off-road activity. 7 Ay accidet, ijury, loss or damage caused directly or idirectly by: War, ivasio, act of foreig eemy, hostilities (whether war is declared or ot), revolutio, act of terrorism or similar evet; Riot or civil urest that happes outside Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; earthquake; ioisig radiatios or cotamiatio from uclear fuel or uclear waste or from the burig or explosio of uclear fuel; the radiatio, toxic, explosive or other dagerous properties of ay uclear istallatio, reactor, or other uclear assembly or its compoet part; ay weapo or device usig atomic or uclear fissio or fusio or radioactive force or matter; pressure waves caused by aircraft ad other flyig objects; or carryig ay dagerous substaces or goods. 8 Ay liability, loss or damage caused by explosio, sparks or ashes from the isured vehicle, or from ay trailer or machiery attached to, or detached from, it. Documet of va isurace 37