Household Personal Accident Cover How are you covered?

Household Personal Accident Cover How are you covered?

Household Personal Accident - Policy Summary Contents Your Demands and Needs Your Insurance Definitions Eligibility What is Covered What we will Not Cover General Exclusions General Conditions How to make a claim Cancellation How to make a complaint Financial Compensation Scheme Useful Contacts www.kwik-fitinsurance.co.uk Page 3 3 3-4 4 5 5 5 6-7 7 7 8 8 9 2

Household Personal Accident - Policy Wording Your Demands & Needs You have asked Kwik Fit Insurance Services to arrange a Policy that pays compensation if You or Your Family die due to an Accident in Your Home. Kwik Fit Insurance Services does not make personal recommendations as to the suitability of this Policy to individuals circumstances. Your Insurance This insurance has been arranged by Kwik Fit Insurance Services. This insurance is provided by UK General Insurance Limited, underwritten by Ageas Insurance Limited, Registered in England no. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register by visiting the FCA s website at www.fca.org.uk If You have paid the premium as shown in Your household insurance welcome letter, We will agree to insure You, subject to the terms and conditions of this Policy, against Accidental Death occurring during the Period of Insurance. Please take time to read the contents of this Policy including how to make a claim. This Policy and Your household insurance welcome letter are important documents. Please keep them in a safe place in case You need to refer to them for any reason. If You do need to discuss any aspect of this Policy then please call Kwik Fit Insurance Services. Your Policy will end if: (a) You do not pay the premium; (b) Your residential address is no longer in the United Kingdom; (c) You or We cancel the Policy. Definitions The following words or phrases have the same meaning wherever they appear in Your Policy. Accident/Accidental Death Means a sudden and unexpected event within the Home causing physical injury, which directly and independently leads to the death of You or Your Family within 12 months of the event. Administrator Direct Group Limited at Quay Point, Lakeside Boulevard, Doncaster, South Yorkshire DN4 5PL. Direct Group Limited is authorised and regulated by the Financial Conduct Authority number 307332 and handles claims on behalf of the insurer. 3

www.kwik-fitinsurance.co.uk Dependant Child or Children Any unmarried person under the age of 18 years of age, or 23 years of age if in full time education, who lives with You. Family Any Dependant Children, husband, wife, civil partner, or any person You live with as though You are married. Home The residential property named on Kwik Fit Insurance Services household insurance Policy. Period of Insurance This Policy will run concurrently with Your Kwik Fit Insurance Services household insurance Policy for a maximum of 12 months. If You arranged this Policy after the Start Date of Your household insurance Policy cover will be provided from the date You bought it and will end on the expiry date of Your household insurance Policy. Policy The documents consisting of Your Policy wording and Your household insurance welcome letter. Start Date The date shown on Your schedule of household insurance or the date of purchase as shown in Your confirmation letter if You have taken this Policy out afterwards. Terrorism Use, or threat of use, of a biological, purpose, chemical and/or nuclear force or contamination by any person(s), whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government(s) or put any section of the public in fear. We/Us/Our UK General Insurance Ltd on behalf of Ageas Insurance Limited. You/Your The person named in the Kwik Fit Insurance Services household insurance Policy. Eligibility You are eligible to take out Kwik Fit Insurance Services Personal Accident Insurance if on the Start Date You agree to pay the premium and: You are aged between 16 and 80; and You are a UK resident with a permanent UK address. You have a valid Kwik Fit Insurance Services household insurance Policy; 4

Household Personal Accident - Policy Wording What is Covered If during the Period of Insurance You or a member of Your Family suffers an Accidental Death We will pay the following benefits: Cover Accidental Death Members of the Family under the age of 16 years old Subject to a maximum claim limit for any one Accident Limit 30,000 (per person) 2,500 150,000 What is not Covered This Policy will not pay any benefit in the following circumstances; Claims for You or any member of Your Family who are over 81 years of age at point of claim. Where Accidental Death arises from commercial, occupational, trade or business purposes. Suicide, attempted suicide or intentional self-injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or insanity or Your or a member of Your Family's criminal act. Where Accidental Death arises due to drugs or alcohol. Due to any matrimonial or Family dispute. Accidental Death arising from a medical condition which You or Your Family suffered from in the 12 month period immediately prior to the Start Date of Your cover which: - You or Your Family knew about, or should reasonably have known about or - You or Your Family had seen, or arranged to see, a doctor about. General Exclusions We will not pay for: Radioactive contamination Accidental Death caused by or arising from: ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel; or the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it. War risks Accidental Death caused by any sort of war, invasion or revolution. Terrorism Accidental Death directly or indirectly caused by, resulting from or in connection with any act of Terrorism. 5

General Conditions False/Fraudulent Claims If You or anyone acting on Your behalf makes a claim under this Policy and know the claim is false or fraudulent in any way, the cover is void and the claim will not be paid, and all monies received by You or Your representatives, shall be immediately repaid. Claims In the event of any incident which may give rise to a claim You must follow the claims procedure detailed in this Policy. Governing Law Unless some other law is agreed in writing, this Policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which Your main residence is situated. Data Protection Please note that any information provided to Us will be processed by Us and Our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. Rights and responsibilities www.kwik-fitinsurance.co.uk We have the right, at Our expense and in Your name to: take over the defence or settlement of any claim; start legal action to get compensation from anyone else; and start legal action to get back from anyone else any payments that have already been made. You must give Us or the Administrator, and pay for, all the information We or they reasonably ask for about the claim. At Our cost You must also help Us to take legal action against anyone who may be liable for the Accident or help Us defend any legal action if We ask You to. Consumer Insurance Act You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to: a.) b.) c.) supply accurate and complete answers to all the questions We or the Administrator may ask as part of Your application for cover under the Policy; make sure that all information supplied as part of Your application for cover is true and correct; tell Us of any changes to the answers You have given as soon as possible. The Data Protection Act 1998 gives You the right to a copy of Your personal data held by Us upon payment of a fee. Failure to provide answers in-line with the requirement of the Act may mean that Your Policy is invalid and that it does not operate in the event of a claim. 6

Taking Care You and any member of Your Family must take all steps to prevent or minimise the chance of an Accident. Transferring Your Interest in the Policy You cannot transfer Your interest in the Policy to anyone else unless You have obtained Our written permission. How to make a claim If You or a representative need to make a claim the following guidance may be of assistance. 1. Please read Your Policy to check that the cause of the claim is covered. 2. Contact the Administrator on 0800 952 1759 as soon as is reasonably possible. 3. The Administrator may provide You with a claim form and a list of the documents that are required. 4. If You have been given a claim form to complete please return this to the Administrator along with any other items that may have been requested. 5. Upon receipt of Your claim form the Administrator will contact You by telephone or post. UK General Insurance Limited is an insurers agent and in the matters of a claim act on behalf of the insurer. Cancellation This insurance is optional and You have a right to cancel Your Policy during a period of 14 days from the Start Date of the Policy or the day on which You receive Your Policy documents, whichever is the latter. If You wish to cancel during this period, You will be entitled to a full refund of any premiums paid, providing You have not made a claim, by contacting Kwik Fit Insurance Services on 0800 183 6116. You can also cancel Your Policy at any other time by calling Kwik Fit Insurance Services. Kwik Fit Insurance Services may cancel Your Policy if You fail to pay Your monthly premium payment. The premium will be charged in full if the Policy is cancelled by You or Kwik Fit Insurance Services after the 14 day period referred to above. We reserve the right to withdraw, cancel or vary the cover provided and/or to alter the rates of premium charged. We will give at least 30 days written notice to You for any changes in relation to increases in premiums, reductions in what You are covered for under Your Policy. Notice will be served at Your last known address. Our cancellation will not affect Our liability for events before cancellation, which may give rise to a claim. Providing the premium has been paid in full You shall be entitled to a proportionate rebate of premium in respect of the unexpired Period of Insurance. 7

How to make a complaint www.kwik-fitinsurance.co.uk It is the intention to give You the best possible service however if You have a complaint about the way in which Your Policy was sold to You, it should be addressed to: Kwik Fit Insurance Services, 1 Masterton Way, Tannochside Business Park, Uddingston, G71 5PU. Email: customerrelations@kfis.co.uk Tel: 0800 183 6116 (all calls are recorded). If You have any questions or concerns about the handling of a claim You should contact the Administrators at Direct Group Limited, Quay Point, Lakeside Boulevard, Doncaster, DN4 5PL. Telephone: 0800 952 1764 (all calls are recorded for training, compliance, claims and counter fraud purposes). quoted in all correspondence to assist a quick and efficient response. If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service. This also applies if You are insured in a business capacity and have an annual turnover of less than 2 million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, Exchange Tower,London, E14 9SR. Tel: 0800 023 4567. Your statutory rights are not affected if You do not follow the complaints procedure above. For further information about Your statutory rights contact Your local authority Trading Standards Service or Citizens Advice Bureau. Please ensure Your claim number is Financial Compensation Scheme Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk. 8

Household Personal Accident - Policy Wording Useful Contacts Kwik Fit Insurance Services 1 Masterton Way, Tannochside Business Park, Uddingston, G71 5PU Customer Services telephone: 0800 027 9876 The Administrator Direct Group Limited, Quay Point, Lakeside Boulevard, Doncaster, South Yorkshire DN4 5PL. Claims Department - Telephone: 0800 952 1759 Telephone lines are open 9am to 5pm Monday to Friday, excluding bank holidays. All calls are recorded for training, compliance, claims and counter fraud purposes. 9

Your Household Personal Accident Policy Document (Keep me somewhere safe) Kwik Fit Insurance Services is a trading name of Ageas Retail Limited. Registered office Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Registered in England and Wales 1324965. Ageas Retail Limited is authorised and regulated by the Financial Conduct Authority. FCA registered number: 312468 Ageas Retail Limited is a sister company of Ageas Insurance Limited. Household Personal Accident Policy KFIS-HHPAP-1214-V1.7 Kwik Fit Insurance Services 1 Masterton Way Tannochside Business Park Uddingston Glasgow G71 5PU