EXCESS PROTECT MOTOR EXCESS INSURANCE

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1 This document is a guide to the cover we provide. It is only a summary and does not contain the full terms and conditions of the contract. For full details of your cover, please read your policy wording and schedule. Alpha Insurance A/S provides this insurance. EXCESS PROTECT MOTOR EXCESS INSURANCE Type of insurance: Length of contract: The law which applies to the contract: UK Excess Insurance. Maximum of 12 months The law of England and Wales Features and benefits Summary of the cover we provide Details and limits Section of the policy that contains more We will pay the fire, theft, attempted theft or total loss excess stated in your policy and/or schedule of motor insurance but only up to the amount of excess stated in the schedule of this policy and following a valid claim with your motor insurer. A claim will only be paid subject to you reporting the incident to your own motor insurers and your motor insurers confirming in writing that the cost of the incident will exceed the excess applicable under your motor policy at the time of loss. We will not cover any claim notified after 30 days of the incident occurring. We will not cover any claim where the motor insures covers a claim for anything other than fire, theft, attempted theft or total loss We will not cover any excess payable on warranty policies. We will not cover any excess in respect of windscreen or glass damage claims. We will not cover any claim when no cover is provided by your motor insurers. We will not cover any excess recoverable from a third party within 6 months of the claim being made. The maximum number of claims during the same period of insurance must not exceed one. details Your UK Excess Insurance policy, page 4. Insured Vehicle The motorcycle specified on your motor insurance policy schedule Definitions page 3 Main exclusions and limits Summary of the cover Details Section of the policy that contains more Non-fault accident Where a non-fault accident involves a third party, this cover will only apply if your policy excess is not recovered from the third party within 6 months from the date of the incident. Any claim where the motor insurer has paid out a claim other than for fire, theft, attempted theft or the vehicle is a total loss. details Section 2 - Exclusions, page 4 of your policy. Number of claims Only one claim will be paid during the same period of insurance. Geographical Limits This policy applies to the countries as specified in your policy and/or schedule and/or certificate of motor insurance including transit by sea, rail or air including loading and unloading between the countries specified in Your motor insurance policy and/or schedule and /or certificate of motor insurance Reasonable Precautions You must take reasonable steps to keep your vehicle in a safe condition and protected from damage. Section 2 - Exclusions, page 4 of your policy. Section 3 - Policy conditions, page 4 of your policy. Section 3 - Policy conditions, page 4 of your policy. Reference Code v Alpha

2 Cooling-off period We hope that you will be happy with your insurance policy. However, if this policy does not meet your needs, you have 14 days from the date you received your policy document to cancel this policy and get a full refund. We will not give you a refund if you have made a claim or an incident has happened when you would make that claim. To cancel your policy, please contact the broker or administrator who sold you your policy. To get a refund, you must return your policy document before we refund your premium. Your and our rights to cancel your policy After 14 days, you can cancel this policy at any time by writing to us. We will not return any premium. We, or the administrator, may cancel this policy by giving you 7 days notice in writing. We will send this notice by recorded delivery to your last known address. Making a claim If you want to make a claim, please phone as soon as possible. How to complain We are committed to delivering the highest standards of customer care. However, we realise that there may be times when things go wrong and we have procedures in place to investigate any complaints. To complain, please contact the department where the problem happened. For complaints about claims, please phone For complaints about administration and documents, please phone the administrator on or them on admin@trent-services.co.uk. If you are not satisfied with our final response, you may be able to complain to the Financial Ombudsman Service. Financial Services Compensation Scheme Alpha Insurance A/S, who underwrite this insurance are 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 upon the type of insurance and the circumstances of the claim. This compensation system is subject to restrictions and not all policyholders are eligible. Further information is available from the Financial Conduct Authority or the FSCS. The FSCS can be visited on the web at or by contacting the FSCS on Alpha Insurance A/S Registered office: Harbour House 1, Sundkrogsgade21, DK-2100, Copenhagen, Denmark Reference Code v Alpha

3 EXCESS PROTECT LIMIT OF COVER Your Motor Excess Insurance Policy Page 1 Reference code: Lexelle H&R v

4 EXCESS PROTECT POLICY SCHEDULE LIMIT OF COVER The details in the Schedule of Insurance herein are subject to the terms of the attached policy wording. We will provide UK Excess Insurance under the terms, exceptions, conditions and endorsements of this policy, during any period for which we have accepted your premium. THIS DOCUMENT SHOULD BE READ IN CONJUNCTION WITH YOUR POLICY WORDING PLEASE KEEP IT IN A SAFE PLACE. Signed and dated as above for and on behalf of Alpha Insurance A/S by: Jakob Olsen Chief Operating Officer Page 2 Reference code: Lexelle H&R v

5 EXCESS PROTECT MOTOR EXCESS INSURANCE POLICY POLICY WORDING Issued by Trent-Services (Administration) Limited In consideration of you having paid the premium or agreed to pay the premium on the date of inception of this contract we agree to provide the Insurance described in this Policy and Schedule. The Policy and Schedule should be read together as one contract. The parties are free to choose the law applicable to this insurance contract. Unless specifically agreed to the contrary this contract shall be subject to English Law. DEFINITIONS: Wherever the following words and phrases appear in this Policy they will always have these meanings: Accidental, Accidentally Damage caused by forcible, visible, violent or external means. Administrator Trent-Services (Administration) Ltd,Trent Lodge, Stroud Road, Cirencester, Gloucestershire, GL7 6JN Insured Vehicle The motorcycle specified on your motor insurance policy schedule. We/ our/ us Alpha Insurance A/S. You/ your/ yourself The person(s) shown in the Schedule as the Insured. ABOUT THIS INSURANCE POLICY: You should read the terms and conditions detailed in this policy including how to make a claim. Please read them carefully so that you know what cover is provided and what you should do if you need to make a claim. If this insurance does not meet your needs please contact your insurance intermediary with whom you arranged this insurance to advise that you no longer require cover. You should do so within 14 days of cover starting. Please also return this Policy and Schedule. Providing you have not made a claim we will refund you the total premium you have paid. This Policy and the Schedule are important documents. Please keep them in a safe place where you can find them should you need to refer to them in the future. Should you need to discuss any aspect of the cover then please contact your insurance intermediary. When providing this insurance we have relied on the information and statements which you have provided. Page 3 Reference code: Lexelle H&R v

6 Section 1 Policy Cover What is covered: The fire, theft, attempted theft or total loss excess stated in your policy and/or schedule of motor insurance but only up to a maximum of 1000 as stated in the schedule of this policy and following a valid claim with your motor insurer. Cover is only provided for incidents occurring to the insured vehicle during the period of insurance shown on your motor insurance policy schedule. A claim will only be paid subject to you reporting the incident to your own motor insurers and your motor insurers confirming in writing that the cost of the incident will exceed the excess applicable under your motor policy at the time of loss. The maximum number of claims during the same period of insurance must not exceed one. Where a non-fault accident involves a third party, this cover will only apply if your policy excess is not recovered from the third party within 6 months from the date of the incident. Section 2 Exclusions: What is not covered: 2.1 Any claim paid by your motor insurer other than for fire, theft, attempted theft of the total loss of the vehicle 2.2 Any claim notified after 30 days of the incident occurring. 2.3 Any excess payable on warranty policies. 2.4 Any excess in respect of windscreen or glass damage claims. 2.5 Any claim when no cover is provided by your motor insurers. 2.6 Any excess recoverable from a third party within 6 months of the claim being made. 2.7 More than one claim being paid during the same period of insurance. Section 3 - Policy Conditions 3.1 Geographical Limits - Unless otherwise agreed, this policy applies to the countries as specified in your policy and/or schedule and/or certificate of motor insurance including transit by sea, rail or air including loading and unloading between the countries specified in your motor insurance policy and/or schedule and /or certificate of motor insurance. 3.2 Right or Recovery - We can take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under this Policy. 3.3 If you were covered by any other insurance for the excess payable following an incident which resulted in a valid claim under this Policy we will pay our share. 3.4 Reasonable Precautions - You must take reasonable steps to keep your vehicle in a safe condition and protected from damage. 3.5 Cancellation - We can cancel this Policy by giving you at least 7 days notice by recorded delivery letter to your last known address. If we exercise this option you will be entitled to the return of a proportionate part of the premium paid in respect of the unexpired term of the Policy provided there have been: no claims made under the policy for which we have made payment. no claims made under the policy which are still under consideration. no incidents likely to give rise to a claim but are yet to be reported to Us. You can cancel this policy by giving us notice in writing and returning the schedule. No return of premium will be payable. 3.6 Fraudulent Claims - If you make a claim under this policy and you know the claim is false or fraudulent in any way, the policy is void and any claim will not be paid. Page 4 Reference code: Lexelle H&R v

7 3.7 The companies which provide the products and services related to this Policy are regulated by the Financial Conduct Authority. Alpha Insurance A/S, who underwrite this insurance are 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 upon the type of insurance and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim. This compensation system is subject to restrictions and not all policyholders are eligible. Further information is available from the Financial Conduct Authority or the FSCS. The FSCS can be visited on the web at or by contacting the FSCS on Section 4 - How to Claim You must give us notice of a claim by telephoning the Administrator on You should do so as soon as reasonably possible and within 30 days after the claim event. We will send You the claim forms. You will need to complete these and return them to Us as soon as reasonably possible, giving us all the information we ask for to enable Us to process Your claim. Claim payment will be made when we receive satisfactory evidence of your entitlement to claim. Section 5 Complaints Proceedure We aim to provide a first-class service. If you have any cause to complain, or you feel that we have not kept our promise, please follow the procedures below; a) For complaints relating to the selling of this insurance please contact the sales agent from which this insurance was purchased. When you do this quote your policy number, which is on your schedule. b) For complaints relating to the administration or claims handling of this insurance, please write to the Administrator, Trent-Services (Administration) Ltd, Trent Lodge, Stroud Road, Cirencester Gloucestershire GL7 6JN. When you do this quote your Policy number, which is on Your Schedule. If you still remain dissatisfied after following the above procedures in full, you can ask the Financial Ombudsman Service to review your case. Their address is Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. The Financial Ombudsman Service cannot consider your complaint if it is: - a) less than eight weeks after receipt of the complaint by the sales agent, Administrator or us, or; b) more than six months after the date on which the sales agent, administrator or Us provided Our final response advising that you may refer your complaint to the Financial Ombudsman Service, or; c) more than six years after the event complained of or more than three years from the date on which You became aware that You had cause for complaint unless You have already referred the complaint to the sales agent, Administrator or Us. Trent-Services (Administration) Ltd are authorised and regulated by the Financial Conduct Authority, Alpha Insurance A/S is authorised and regulated by Finanstilsynet (The Danish Financial Regulator). As an insurance company authorised within the European Union, Alpha Insurance is permitted to conduct business in the United Kingdom and authorised by the Financial Conduct Authority under reference You can check this by visiting the Financial Conduct Authority website at Page 5 Reference code: Lexelle H&R v