IMPORTANT Your Crusader Assistance 14 Day Replacement Vehicle Policy

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1 PROOF OF CRUSADER ASSISTANCE 14 DAY REPLACEMENT VEHICLE COVER. IMPORTANT Your Crusader Assistance 14 Day Replacement Vehicle Policy This is to confirm that AmTrust Europe Limited will provide the cover described below during the period of Your Policy. Cover is subject to the terms and conditions that follow. Payment of the Replacement Vehicle Cover Premium must be made before cover is provided. Helphire Ltd or a supplier of Helphire Ltd provides the benefits under this Policy; but the insurance contract is between AmTrust Europe Limited and the Policyholder. Definitions Below is an explanation of some of the words used in this insurance: Administrators Albany Assistance Limited, Redmond House, Fern Court, Bracken Hill Business Park, Peterlee SR8 2RR. Hire Vehicle A five door car, but of no higher Group rating than Group A (ABI Group S1/S2), as determined by Helphire Ltd within the Territorial Limits. Immobile When the Insured Vehicle is deemed lawfully unsafe to drive. Insured Incident A road traffic accident, fire, theft, attempted theft, malicious damage, vandalism, or stolen recovered incident that makes the Insured Vehicle a total loss or Immobile as decided by the motor insurer if the damage is covered under the current motor insurance policy OR, by the Third Party You are claiming against for your losses OR, if a fault accident by a garage who is a member of the Vehicle Builders & Repairers Association (VBRA) or the Motor Vehicle Repairers Association (MVRA) or another similar

2 recognised body. Alternatively, it is where the Insured Vehicle is stolen and it is not found. Insured Person A full driving licence holder named as the insured on the current certificate of motor insurance issued through the Participating Agent or their spouse, (spouse includes their Common Law or Civil Law partner) in either case aged 18 years and over. Insured Vehicle Any motor vehicle that is covered under the current motor insurance certificate, and for which a Premium has been paid for Replacement Vehicle cover. Participating Agent Crusader Assistance, 2 nd Floor, UK House, 82 Heath Road, Twickenham, Middlesex. TW1 4PW who are authorised to sell this Policy to You on behalf of the Underwriter and Us. Period of Insurance The period of the motor insurance policy which runs at the same time as this Policy and does not exceed 12 months. Policy This Policy of insurance. Policyholder The person who has taken out this Policy. Premium The payment, which needs to be paid to the Participating Agent by You to get the benefit of this Policy, except that We or the Participating Agent may, at our/their absolute discretion, waives Your need to pay. Provider Helphire Ltd

3 Territorial Limits England, Wales, Scotland and Northern Ireland, Isle of Man and the Channel Islands (for residents only). Third Party The other person(s) and/or party(s) responsible for the Insured Incident, excluding the Insured Person and/or Policyholder (as defined in this Policy). Underwriter AmTrust Europe Limited. We/Us/Our Albany Assistance Limited ( Albany ) and/or the Underwriter. You/Your The Insured Person. What is Covered This insurance gives a single period of up to 14 days of continuous vehicle hire within the Territorial Limits following an Insured Incident during the Period of Insurance and within those Territorial Limits. A maximum of two claims in the Period of Insurance can be made. The Hire Vehicle must be returned to the Provider or their agents no later than 48 hours after payment is issued to the Policyholder based on their motor insurance company s total loss valuation of their claim OR immediately it becomes driveable OR no later than the 14th day of hire (whichever comes first). How to Claim Your Hire Vehicle Following an Insured Incident, You must report it immediately to Your motor insurance company (Helpline telephone number shown on Your Motor Policy), and to the Police if the Insured Vehicle was stolen, suffered malicious damage or vandalism. Please only call Crusader Assistance on to obtain Your Hire Vehicle. If Your claim is approved they will advise Albany, who will have the Provider contact You to arrange the supply of a Hire Vehicle.

4 Conditions You should note that the following conditions apply in all circumstances: a fuel service charge is payable ensuring that the vehicle is delivered with sufficient fuel to meet your immediate journey requirements when collecting the Hire Vehicle, the driver will need to produce their full current driving licence and personal identification, e.g. phone bill You must have a valid motor insurance policy Hire Vehicles are provided in line with the Provider or its agent s standard requirements, terms and conditions which all drivers must meet a Hire Vehicle will only be provided once the Participating Agent get confirmation from the Insured Person s motor insurance company OR the Third Party OR (at Your expense) faxed confirmation from a garage who are a member of the VBRA, MVRA or a similar recognised body, that the Insured Vehicle is a total loss or Immobilised. The Hire Vehicle will not be provided until this information is received if the Insured Vehicle has been stolen, suffered malicious damage or vandalism You must give a Police crime reference number before a Hire Vehicle can be provided the Insured Person may have to provide Comprehensive insurance for the Hire Vehicle. We must draw Your attention to the additional terms and conditions of the Provider, which are held by Your Participating Agent, and can be viewed on request. They may affect the provision of the Hire Vehicle. What is Not Covered The following are not covered under this insurance: a. all fuel, fares, fines and fees relating to the Hire Vehicle while You hire it b. any claim where the Insured Vehicle was being used for hire or reward c. any claim where the motor insurer does not provide cover under the terms of the underlying motor insurance policy covering an Insured Vehicle d. any further hire charges due after the first fourteen days hire, or more than 48 hours after payment is issued under the terms of the underlying motor policy for a total loss or stolen not found incident, or when the Insured Vehicle becomes driveable, whichever comes first e. any claim where the Insured Vehicle has been stolen, suffered malicious damage or vandalism and has not been reported to the Police f. Act of God g. any claim reported to Crusader Assistance more than fourteen days after the Insured Incident

5 h. any claim for a Hire Vehicle more than five days after the Insured Vehicle has been determined a total loss or Immobile i. sea transit charges for the delivery and collection of the Hire Vehicle j. any claim due to a deliberate non-disclosure or criminal act, which is found to Our satisfaction to be of a fraudulent or false nature. The Insured Person will be held responsible for any costs paid or due where this happens. k. any excess payable in respect of a policy of motor insurance covering the Hire Vehicle l. any Insured Incident, which happened before the Policy started m. any claim following an Insured Incident which happens during the first 48 hours from the start of the commencement of this Policy n. any claim that arises from Your unlawful use of drink or drugs o. any claim covered under any other policy, or any claim that would have been covered by another policy if this Policy did not exist. Notice to the Insured Person a) The Insured Person must take all reasonable steps to keep down the costs of the claim b) The Insured Person must pay to Us any costs, charges or fees recovered from the Third Party to the extent of the sums indemnified under this Policy c) The Insured Person should take all action possible to recover any costs, charges or fees We may have paid or is due to pay. If any amounts are recovered they must be paid to Us d) When hire of a replacement vehicle ends, We can take over and if necessary take proceedings in the name of the Insured Person to recover the hire costs from the Third Party Cancellation Right You may cancel Your Policy within 14 days of receiving the Policy document and get a full refund, subject to no claim being made. After this 14-day period, You can cancel the Policy at any time, subject to no claim having been made, by contacting Your Participating Agent. You can ask Your Participating Agent for a pro-rata return of Premium, which is at their sole discretion. If You do not exercise Your rights to cancel the Policy, it will continue in force for the term of the Policy and You will need to pay the Premium. We and Your Participating Agent can cancel this Policy at any time as long as We/Your Participating Agent tell You at least 21 days before. Please contact Crusader Assistance, 2 nd Floor, UK House, 82 Heath Road, Twickenham, Middlesex. TW1 4PW, Your Participating Agent, if You wish to cancel this Policy. Or telephone them on

6 How to Make a Complaint If You have a complaint, You can contact Crusader Assistance. They will contact You within five working days of receiving Your complaint to tell You what action is being taken. They will try to resolve the problem and give You an answer within four weeks. If it will take longer than four weeks then You will be told when You can expect an answer. It is our experience that most complaints can be resolved by speaking to the staff directly responsible for Your Policy. Please call Crusader Assistance by telephone on or in writing to Managing Director, Crusader Assistance, 2 nd Floor, UK House, 82 Heath Road, Twickenham, Middlesex TW1 4PW. If appropriate Your complaint may be passed on to Your Administrators to be resolved. If You have received a final response and You are still unhappy, or more than 8 weeks have passed since the original complaint was received, You may refer Your complaint to the Financial Ombudsman Service (FOS) at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel: free for people phoning from a fixed line (e.g. a landline at home) free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or complaint.info@financial-ombudsman.org.uk Governing Law and Language This Policy is governed by and interpreted with English Law. All communication will be in English. Whole Agreement This Policy contains the entire agreement between the Policyholder and any Insured Person claiming under it and the Underwriter and Us on their behalf. No other representation or warranty by the Insured Person or Us or their authorised representatives or any third party shall have any contractual effect unless agreed by both parties in writing. Albany Assistance Limited which is authorised and regulated by the Financial Conduct Authority (FCA Registration: ), Redmond House, Fern Court, Bracken Hill Business Park, Peterlee SR8 2RR administer Policy cover to customers of Crusader Assistance (FCA Registration: ) 2 nd Floor, UK House, 82 Heath Road, Twickenham, Middlesex. TW1 4PW AmTrust Europe Limited, whose registered office is at Market Square House, St James s Street, Nottingham, NG1 6FG, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number These details can be checked on the

7 Financial Services Register by visiting: AmTrust Europe Limited is registered in England and Wales under number Helphire Ltd, Head Office, Pinesgate, Lower Bristol Road, Bath BA2 3DP (or a supplier of Helphire provides the benefits under this Policy. Financial Services Compensation Scheme Albany Assistance Limited, Crusader Assistance and AmTrust Europe Limited, who underwrite this insurance, are covered by the Financial Services Compensation Scheme. 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. Further information is available from the FSCS. The contact information is: The FSCS, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU. Tel: or enquiries@fscs.org.uk Data Protection & Privacy Statements Data Transfer Consent By purchasing this insurance policy with AmTrust Europe Ltd (AmTrust) which is administered by Albany Assistance Ltd (Albany), you have consented to the use of your data as described below.. Data Protection Policy AmTrust and Albany are committed to protecting your privacy including sensitive personal information; please read this section carefully as acceptance of this insurance policy will be regarded as having read and accepted the provisions below. Sensitive Information Some of the personal information We ask You for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about You or others except for the specific purpose for which You provide it and to provide the services described in Your policy documents.

8 How AmTrust and Albany use and protect Your information and who they share it with We will both use Your information to manage Your insurance policy, including underwriting and handling. This may include disclosing it to other insurers, administrators, third party underwriters and reinsurers. Your information comprises of all the details held about You and Your transactions and includes information obtained from third parties. AmTrust may use and share Your information with other members of the AmTrust group companies and Albany may use and share Your information with other members of the Albany group companies. We will both provide an adequate level of protection to Your data. Neither AmTrust nor Albany discloses your information to anyone outside their respective groups except: Where You have given Your permission Where either of us is required or permitted to do so by law To credit reference and fraud prevention agencies Other companies that provide a service to Us or You Where AmTrust may transfer rights and obligations under this agreement. Either AmTrust or Albany may transfer Your information to other countries and jurisdictions on the basis that anyone to whom it is passed provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal obligations. Your Rights Under the Data Protection Act 1998,You have the right to see a copy of the personal information AmTrust or Albany holds about You, if You believe any of the information either of them is holding is incorrect or incomplete, please let the relevant one of us know as soon as possible. Before you are provided with a copy of the information You may be asked for a small fee of Marketing Neither AmTrust nor Albany will use Your data for marketing purposes. All information provided is used to manage Your insurance policy only. Call recording Albany Assistance Ltd who will act on behalf of AmTrust in connection with the policy and its administration may monitor and record calls and may share your information with its associated and subsidiary companies (or the holding company of any of them).