Document of Insurance. Keep me safe. Car Insurance

Transcription

1 Documet of Isurace Keep me safe Car Isurace

2 Welcome to LV= Thak you for choosig LV= car isurace. We hope you ll be happy with the cover ad service you get from us. This booklet tells you everythig you eed to kow about your isurace, so please keep it safe with your schedule ad certificate of motor isurace. This product meets the demads ad eeds of someoe wishig to isure their vehicle. The level of cover ad ay optioal extras you have chose will be show o your schedule. Liverpool Victoria Isurace Compay Limited (LV=) has ot provided you with ay advice or recommedatios as to whether this product meets your specific isurace requiremets. Our staff are paid a salary ad may receive a aual bous but these are ot directly iflueced by your decisio to purchase this policy. You should review your isurace requiremets o a regular basis. All commuicatios will be i Eglish. You ca get this ad other documets from us i Braille, large prit or audiotape by cotactig us. Calls will be recorded for traiig ad moitorig purposes. Cotets Page Welcome to LV= 2 Your car isurace policy 3 Useful iformatio 3 Defiitios 4 Territorial limits ad Europea cover 6 Sectio 1 Damage to your car 6 Sectio 2 Fire ad theft 7 What is ot covered uder sectios 1 ad 2 7 How we will settle your claim uder sectios 1 ad 2 8 Sectio 3 Liability to other people 9 What is ot covered uder sectio 3 10 Sectio 4 Use by the motor trade, hotels ad car parks 11 Sectio 5 Widscree ad widow glass 11 Sectio 6 Guarateed hire car 11 Sectio 7 Persoal accidet beefits 12 Sectio 8 Medical expeses ad physical assault beefits 13 Sectio 9 Persoal belogigs 13 Sectio 10 No claim discout 14 Sectio 11 Geeral exceptios 15 Sectio 12 Geeral coditios 16 A summary of how we use your persoal iformatio 21 DOCUMENT OF CAR INSURANCE 2

3 Your car isurace policy Please read this documet of car isurace, your schedule ad your certificate of motor isurace as oe documet. This is your cotract with us. I retur for your paymet we ll give you isurace cover as set out i this booklet accordig to the cover selectios ad period of isurace show o your schedule. Your policy is uderwritte by Liverpool Victoria Isurace Compay Ltd. Our commitmet to you We ll always: make sure all the iformatio we give you is clear ad accurate be fair ad reasoable act promptly Your resposibility to give us correct iformatio Please make sure all the iformatio you give us is correct ad complete ad let us kow if aythig is icorrect. This is importat because if you do t we may cacel your isurace from its start date ad/or ot pay your claim. If you re ot sure whether you eed to tell us about somethig please ask. Useful iformatio To make a chage (Mo - Fri 8am - 8pm, Sat ad bak holidays 9am - 5pm, Su 10am - 4pm) To make a claim (24 hours a day, 365 days a year) (+) if callig from abroad. Follow these simple steps: 1. Call us as soo as possible after the accidet please have your policy umber ad iformatio about the claim ready whe you call. 2. If your car is stole or vadalised, report this to the police immediately ad take a ote of the crime referece umber. 3. Speak to us before you make ay arragemets for replacemet or repair. How to make a complait If you wish to make a complait, please cotact us by phoe o , for Text Phoe please dial first, feedback@lv.com or write to us. If you prefer to write, please address your letter to: The Customer Relatios Maager, LV=, Couty Gates, Bouremouth BH1 2NF. Please quote your policy umber i all correspodece. For more iformatio, please visit the complaits sectio o our website: LV.com/complaits 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 6 moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, Exchage Tower, Lodo E14 9SR. 3 DOCUMENT OF CAR INSURANCE

4 For more iformatio please visit fiacial-ombudsma.org.uk Telephoe: (free for people phoig from a fixed lie, for example, a ladlie at home) or (free for mobile-phoe users who pay a mothly charge for calls to umbers startig 01 or 02) or complait.ifo@fiacial-ombudsma.org.uk Makig a complait will ot affect your right to take legal actio. What happes if we ca t meet our liabilities? If we ca t meet our liabilities, you may be able to claim 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 liability, 100% of the claim is covered o compulsory isurace, such as accidetal damage to your car, 90% of the claim is covered You ca get further iformatio from: Fiacial Services Compesatio Scheme, 10th Floor Beaufort House, 15 St Botolph Street, Lodo EC3A 7QU. Phoe or equiries@fscs.org.uk Defiitios Wherever these words appear i this documet of car isurace, they have the same meaig: Accessories Certificate of motor isurace Cotract Documet of car isurace Drivig Excess Gree card parts or products (icludig spare parts) specifically desiged to be fitted to your car. This icludes roof/cycle racks ad roof boxes. proof that you have motor isurace as required by law. It forms part of your cotract with us. It also shows the registratio umber of the car we re isurig, who may drive it ad what your car may or may ot be used for. this documet of car isurace, your certificate of motor isurace ad your schedule form the cotract. this booklet. icludes beig i charge of a car. the first amout of ay claim which you must pay. There may be more tha oe excess, part of which may be a volutary excess chose by you. The total excess is show o your schedule. the Iteratioal Motor Isurace Card. A iteratioally recogised documet that some coutries eed as proof that their miimum compulsory isurace requiremets are beig met. DOCUMENT OF CAR INSURANCE 4

5 I-car equipmet Mai driver Market value NCD holder Parter Policyholder Schedule Total loss Track days We, our, us Wear ad tear You, your audio equipmet, a permaetly fitted car telephoe, dashboard or widscree mouted camera, DVD player, televisio ad satellite avigatio equipmet. the perso who drives your car most of the time whether for social purposes ad/or for travel to ad from a place of busiess, duty or study. the cost of replacig your car with oe of the same make, model ad specificatio, takig ito accout the age, mileage ad coditio of your car. To determie the market value, we ll usually ask a egieer for advice ad refer to motor trade guides ad other relevat sources. We ll cosider the amout you could reasoably have obtaied for your car if you sold it immediately before the accidet, loss or theft ad ot the price you paid for it. the perso who has eared the o claim discout (NCD) o a car isured uder this policy ad to whom we will provide proof of NCD. your husbad, wife, civil parter or parter you are permaetly livig with. the perso amed as the policyholder o your certificate of motor isurace ad your schedule. This perso is resposible for the policy icludig payig the premium, ad is the perso we will correspod with. forms part of your cotract with us ad icludes the: period of cover; ame of policyholder, drivers ad their use; ame of NCD holder; claims history of permitted drivers; details of your car; ay coditios which vary the terms of this documet of car isurace the extet of damage to your car which meas its uecoomical or usafe to repair or has bee stole ad ot recovered. drivig or use o a motor racig track, circuit, airfield, test veue, derestricted road or at a off road evet. Liverpool Victoria Isurace Compay Ltd. uavoidable damage caused by geeral use over time. the perso amed as the policyholder o your schedule ad your certificate of motor isurace. This icludes the NCD holder for the purposes of sectios 1, 2, 3, 7, 8 ad 10 i this documet of car isurace. 5 DOCUMENT OF CAR INSURANCE

6 Your car the isured vehicle(s) show o your schedule ad your certificate of motor isurace. Also, ay vehicle loaed or hired to you uder our Recommeded Repairer Service or by a member of the motor trade while the isured vehicle is with them for service, repair or MOT. I sectio 3 of this documet of car isurace it also icludes a trailer, carava or brokedow motor vehicle while they re attached to your car for towig. Territorial limits ad Europea cover Territorial limits Except where we say otherwise your isurace applies i Great Britai, Norther Irelad, the Republic of Irelad, the Isle of Ma ad the Chael Islads. This icludes while your car is beig trasported withi ad betwee them. Europea cover We ll provide the same level of cover you have i the territorial limits, while you are travellig i EU coutries ad ay other coutry that follows EU directives. This icludes whe your car is beig trasported withi ad betwee them ad is subject to your car: beig registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; ad ot kept abroad for more tha 180 days durig your period of cover. Note: This cover is automatically provided, so there is o eed to cotact us before travellig to ay of the coutries listed o your certificate of motor isurace. Please esure you take your certificate with you as proof of isurace. Use i other coutries If you wat to use your car i coutries ot listed o your certificate of motor isurace, if we agree ad you pay ay extra cost, we ll provide the same level of cover you have i the territorial limits, to apply: i the coutries we ve agreed, icludig whe your car is beig trasported withi ad betwee them; ad for the period agreed. We ll sed you a gree card as proof of your isurace. If your car is lost or damaged i ay foreig coutry that we ve agreed to give you cover for, you may be charged customs duty. If we cover the loss of or damage to your car we ll also refud you the customs duty. Sectio 1 Damage to your car What is covered: If your car ad/or its accessories (icludig whe kept i your garage) are damaged by accidet or vadalism, we will: pay for repairs to your car; or replace what is damaged; or pay the market value of your car at the time of the damage. Whe you accept this paymet, your car becomes our property, uless we agree otherwise. DOCUMENT OF CAR INSURANCE 6

7 Misfuellig If you accidetally fill your car with the wrog fuel, we ll pay to drai ad flush your fuel tak. Ay damage to your car egie caused directly by the wrog fuel will also be covered. Oce we have details of the misfuellig, we ll agree with you how to arrage the repair. If you ve already made arragemets to repair the damage, we will oly cosider paymet if you provide receipts. Uisured driver promise If you re hit by a uisured driver or motorcyclist ad the accidet is ot your fault, you wo t lose your NCD or pay ay excess. We ll eed you to provide the registratio umber, make, model ad colour of the other vehicle ivolved ad also the driver s or motorcyclist s details. Whe you claim you may have to pay your excess but whe we cofirm that the uisured driver was at fault we ll refud this to you. Vadalism promise If your car is damaged by vadalism, you wo t lose your NCD. You ll eed to report the icidet to the police ad provide us with the crime referece umber ad pay the excess. Sectio 2 Fire ad theft What is covered: If your car ad/or its accessories (icludig whe kept i your garage) are lost or damaged by fire, lightig, explosio, theft or attempted theft, we will: pay for repairs to your car; or replace what is lost or damaged; or pay the market value of your car at the time of the loss or damage. Whe you accept this paymet, your car becomes our property, uless we agree otherwise. What is ot covered uder sectios 1 ad 2 We wo t pay for: loss or damage to your car by theft or attempted theft if: your car has bee left ulocked; your car has bee left with a widow or roof ope; the egie has bee left ruig whe uatteded; your car does t have a workig trackig device whe uatteded ad your schedule cofirms this is required; the igitio key or other igitio device is left i, o or attached to or left i the immediate proximity of your car. damage to the igitio key or other igitio device caused by wear ad tear; wear ad tear, your car losig value, or for ay repairs which improve your car beyod its coditio before the loss or damage happeed; mechaical, electrical, electroic or computer failures (icludig failure caused by hacks, viruses or malware), breakdows or breakages; damage to tyres caused by brakig, puctures, cuts or bursts; 7 DOCUMENT OF CAR INSURANCE

8 more tha the maufacturer s latest list price i the Uited Kigdom (UK) of ay part or accessory. If such a list price is ot available the most we ll pay is the maufacturer s latest list price i the UK for a equivalet part or accessory; additioal costs caused by the uavailability of ay part or accessory. This icludes the cost of importig ay part or accessory ito the UK; loss or damage to your car caused: directly by pressure waves from aircraft ad other aerial devices travellig at soic or supersoic speeds; by deceptio, fraud or trickery, icludig whe you re offerig your car for sale; as a result of it beig cofiscated or destroyed by or uder official order of ay govermet, public or local authority; as a result of your car beig retured to its rightful ower; if you have t take care to protect your car. (See care of your car uder the geeral coditios sectio). loss of use of your car or ay other idirect loss, such as travel expeses or loss of earigs; loss or damage where your car is drive or used without your permissio by a member of your family or household uless you report them to the police for takig your car without your coset; deliberate damage caused to your car by ayoe isured uder your policy; loss or damage to ay trailer, carava or broke-dow motor vehicle whether or ot it s beig towed by or attached to your car; ay additioal damage resultig from your car beig moved by ayoe isured uder your policy after a accidet, fire or theft; the excess show o your schedule. How we settle your claim uder sectios 1 ad 2 Owership If your car belogs to someoe else, or is uder a hire purchase or leasig agreemet, we ll pay the legal ower. Repairs Oce we have details of the accidet, if the loss or damage is covered, we ll agree with you how to arrage the repairs to your car. We may use parts or accessories, which are t made or supplied by your car s maufacturer but are of similar type ad quality to the parts ad accessories we re replacig. New car replacemet If you or your parter are the first ad oly registered keeper, withi 12 moths of buyig your car from ew ad: the estimated cost of repairig the damage is more tha 50% of the maufacturer s list price (icludig taxes ad accessories) whe the damage or loss happeed; or it s stole ad ot recovered, DOCUMENT OF CAR INSURANCE 8

9 we ll replace your car with a ew oe of the same make, model ad specificatio. If oe is ot available i the UK, we ll pay you the price you paid for your car or the maufacturer s curret list price (icludig taxes) whichever is less. Your car will the become our property. I-car equipmet We ll provide ulimited cover for the loss or damage if the equipmet was fitted as part of the stadard specificatio of your car whe first registered. If the equipmet was ot part of the stadard specificatio whe first registered ad is either permaetly fitted or portable, we ll pay up to 1,000. If portable, the equipmet must have bee kept out of sight i the glove compartmet or locked boot at the time of a theft claim. Replacemet of locks ad keys We ll pay for all the locks to be replaced if oe or more is damaged. If your igitio keys or other igitio devices are lost or stole, we ll pay for their replacemet ad for all the locks to be replaced. This is provided they were t left i, o or attached to or left i the immediate proximity of your car while it was uatteded, ad care has bee take to prevet their loss. Child car seats If your car is stole or damaged i a accidet or fire, we ll replace ay child seat i your car with a ew oe of the same quality, eve if there s o apparet damage. Jourey cotiuatio If your car ca t be drive followig a claim covered uder sectios 1 ad 2 ad you re more tha 25 miles from where your jourey started, we ll reimburse you up to 500 i total for ay alterative trasport ad/or overight accommodatio that you arrage to cotiue your jourey. We ll oly pay these costs if you provide receipts. Excesses that apply If your schedule shows that you have a excess, you must pay that as the first part of ay claim. Sectio 3 Liability to other people What is covered: As a result of ay accidet ivolvig your car or ay other vehicle your certificate of motor isurace allows you to drive, we ll pay all sums you are legally resposible for: followig death of or bodily ijury to other people; ad up to 20,000,000 for damage to their property. Drivig other cars If your certificate of motor isurace says so, we ll isure the policyholder ad/or the NCD holder to drive a private car or va i the UK, that you do t ow, is ot registered to you ad ot hired to you uder a hire purchase or retal/leasig agreemet as log as: you have the ower s permissio to drive the car or va; you have the required licece to drive the car or va; the car or va is registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; 9 DOCUMENT OF CAR INSURANCE

10 it s ot a va which has bee adapted to carry passegers; the car or va does t exceed 3.5 toes GVW (Gross Vehicle Weight); the car or va has t bee seized or cofiscated by or o behalf of ay govermet or public authority; you re ot covered by ay other isurace to drive it; ad you still have your car, it has t bee stole ad it has t bee damaged to a extet that it s a total loss. Note: The cover is for third party oly, so loss or damage to the car or va you re drivig is t covered. Other people I the same way as you re isured, we ll isure: ay perso you allow to drive or use your car, if this is allowed o your schedule ad your certificate of motor isurace; ay passeger travellig i or gettig ito or out of your car; the employer or busiess parter of ay perso who is drivig or usig your car for their busiess, as log as this is allowed o your schedule ad your certificate of motor isurace; ad the legal represetative of ay perso who has died if they would have bee etitled to protectio uder this sectio. Legal costs Followig a claim uder this policy, we ll pay your reasoable legal costs ad expeses relatig to: solicitors fees for represetatio at a coroer s iquest, fatal accidet iquiry or court of summary jurisdictio; ad defece of ay legal proceedigs for maslaughter or causig death by dagerous or reckless drivig. I assessig whether legal costs ad expeses are reasoable we cosider: the level of legal expertise required, takig ito accout the ature of the case; the level of costs charged by the legal represetative; whether legal represetatio for defece of a prosecutio is likely to affect the outcome. Emergecy medical treatmet We ll pay for emergecy medical treatmet required uder the Road Traffic Act, followig a accidet i your car. If this is the oly paymet we make, it wo t affect your o claim discout (NCD). What is ot covered uder sectio 3 We wo t pay for: ay death, ijury, loss or damage caused directly or idirectly as a result of ay deliberate act by you or ay perso drivig your car; DOCUMENT OF CAR INSURANCE 10

11 death of or bodily ijury to ay employee arisig out of or i the course of their employmet by ay perso who is covered by this sectio, uless they re a passeger i ay vehicle for which isurace is provided by this sectio; legal resposibility which is covered by ay other isurace; loss of or damage to ay car which is covered by this sectio; loss of or damage to ay trailer, carava or vehicle (or their cotets) whilst beig towed by or attached to ay car which is covered by this sectio; the loss of or damage to ay property which belogs to or is i the care of ay perso claimig uder this sectio; legal resposibility, loss or damage whe your car is beig used i the operatioal boudaries of ay airport or airfield except whe required uder the Road Traffic Act; more tha 20,000,000 for ay oe icidet or series of icidets arisig from oe evet that causes loss or damage to property. This amout is iclusive of all costs ad expeses up to 5,000,000. Sectio 4 Use by the motor trade, hotels ad car parks We ll give you the cover uder sectio 1 Damage to your car ad sectio 2 Fire ad theft, if icluded o your schedule. We wo t apply ay drivig ad use restrictios or ay excess while your car is with: a member of the motor trade for service/repair/recovery; or a hotel, restaurat, car park or similar commercial orgaisatio for parkig purposes. Sectio 5 Widscree ad widow glass If show o your schedule, we ll cover damage to the widscree or widow glass icludig su-roofs ad ay resultat scratchig of the bodywork. We may use a suitable replacemet ot supplied by the origial maufacturer but which is of a similar quality. As log as there s bee o other loss or damage, a claim uder this sectio wo t affect your o claim discout (NCD) but your premium may icrease followig a claim. If your widscree or widow glass is replaced or repaired, a excess will apply, see your schedule. We wo t pay: more tha the market value of your car; or to repair or replace ay widscrees or widows ot made of glass. Sectio 6 Guarateed hire car We ll pay for a hire car oly if this sectio is icluded o your schedule. If this optio is icluded we ll show the size of car you ll be give i the evet of a claim o your schedule. After loss or damage to your car ad if we are maagig your claim we ll supply ad pay for a hire car: whilst your vehicle is with our Recommeded Repairer Service util completio of the repairs; or 11 DOCUMENT OF CAR INSURANCE

12 for up to 21 days or util 4 days after paymet has bee issued to you, whichever is sooest, if your car is a total loss; ad providig the loss or damage happeed withi the territorial limits of the policy. The hire car will either be provided via our Recommeded Repairer Service or a hire compay of our choice. We ll isure the hire car for comprehesive cover ad all your other policy terms ad coditios applicable to your car will apply, icludig drivers ad their permitted use. The use of the hire car is restricted to the territorial limits of the policy. You ll pay for ay fuel used as well as ay tolls or fies you may icur. You must retur the hire car whe we or the ower ask you to. If your isurace expires you are o loger isured to drive the hire car. Basic hire car This will usually be a small hatchback uder 1.2 litre. Similar size hire car This will be a car of similar size to your car, up to a maximum of 2.0 litre ad 7 seats, but may ot be the same as your car i terms of its exact size, type, value or status. Sectio 7 Persoal accidet beefits What is covered: We ll pay the amout show o your schedule if you, your parter or a amed driver of your car are ijured i or gettig ito or out of your car, ad withi 12 moths of the accidet, this ijury aloe results i: death; permaet loss of ay limb above the wrist or akle; permaet ad total loss of use of ay limb above the wrist or akle; permaet ad total loss of hearig i oe or both ears; permaet ad total loss of sight i oe or both eyes; or permaet total disablemet, resultig i a iability to do ay sort of work for the remaider of their life. We ll pay the ijured perso or their legal represetative. We wo t pay for: more tha the amout show o your schedule durig ay oe period of cover; ay ijury or death resultig from suicide or attempted suicide; ay ijuries if the driver of your car is covicted of a alcohol or drugs related motorig offece as a result of the accidet; ay ijuries if the driver of your car is prove, followig a coroer s iquest or fatal accidet iquiry, to be drivig whilst ufit through alcohol or drugs, whether prescribed or otherwise at the time of the accidet; or ayoe failig to wear a seat belt whe required by law. DOCUMENT OF CAR INSURANCE 12

13 Sectio 8 Medical expeses ad physical assault beefits Medical expeses We ll pay up to 250 for you or your passegers for ay medical expeses resultig from a accidet while travellig i your car. This is i additio to the compulsory emergecy medical treatmet fee uder sectio 3, liability to other people. Physical assault beefits Road rage We ll pay 500 if you or your parter are physically assaulted as a result of your car beig i a accidet. We ll pay the ijured perso or their legal represetative. We wo t pay whe the icidet: is caused by a relative or a perso kow to you or your parter; is ot reported to the police as soo as possible; or is caused or cotributed to by aythig said or doe by you, your parter, or by a passeger i your car after the accidet. Aggravated car theft We ll pay 500 if you or your parter are physically assaulted as a result of your car beig subjected to a theft or attempted theft. We ll pay the ijured perso or their legal represetative. We wo t pay whe the icidet: is caused by a relative or a perso kow to you or your parter; or is ot reported to the police as soo as possible. Sectio 9 Persoal belogigs What is covered: We ll pay up to 300 for persoal belogigs i your car or up to 1,000 i your motorhome if lost or damaged due to accidet, fire, theft or attempted theft. We wo t pay for: the theft or attempted theft of persoal belogigs if your car has bee left ulocked or with a widow or roof ope or with the igitio key/device i, o or attached to or left i the immediate proximity of your car; the theft of persoal belogigs uless they re kept out of sight i the glove compartmet or the locked boot of your car; moey, stamps, tickets, documets or securities; goods, tools, samples or equipmet carried i coectio with ay trade or busiess; i-car equipmet, see How we settle your claim uder sectios 1 ad 2 ; property covered uder ay other isurace; or car accessories, see How we settle your claim uder sectios 1 ad DOCUMENT OF CAR INSURANCE

14 Sectio 10 No claim discout If you have a o claim discout (NCD), we ll give you a discout i lie with our NCD scale which is curret at the time of takig out the policy. The discout wo t apply to our admiistratio costs or to ay additioal optios you ve chose. Your NCD will ot be affected if we oly pay for: emergecy medical treatmet charges (sectio 3); damage to the widscree or widow glass (sectio 5); or a claim uder breakdow cover; or a claim uder motor legal expeses. If more tha oe car is isured, the NCD is eared separately for each car i the NCD holder s ame. A amed driver who is ot the NCD holder does t ear their ow NCD. If a claim is still outstadig at the reewal date, we may issue a reewal quotatio with the NCD reduced. Oce the claim has bee settled ad we ve agreed that you re ot at fault ad all outstadig moies repaid, your NCD will be restored ad we ll refud ay extra premium you may have paid. However, whilst your NCD will be restored, your premium may still icrease followig a claim eve if you were ot at fault. If a claim is made agaist your policy ad your NCD is t protected, your NCD will reduce as follows: NCD (years) at the start of your curret period of cover NCD (years) at the ext reewal 1 claim 2 claims 3 claims Protected NCD to If you re eligible ad pay the required extra premium, you may choose to protect your NCD. If chose, this will be show o your schedule. If your NCD is show as protected o your schedule, it wo t be reduced irrespective of the umber of accidets/claims made. However, your premium may still icrease followig a accidet/claim eve if you were ot at fault. If we ve offered the optio to protect your NCD ad we re the subsequetly advised of a claim, we may issue a revised quote ad remove the optio. Proof of your NCD etitlemet You should keep your proof of NCD from your previous isurer as we may ask you to provide this at ay time or i the evet of a claim. The proof should be i your ame ad be less tha 2 years old, issued by your previous UK isurer ad ot beig used o aother car. We may also check ay NCD you ve told us DOCUMENT OF CAR INSURANCE 14

15 you re etitled to. For further iformatio, refer to sectio 12.3, geeral coditios. If you require proof of your NCD eared whilst isured with us, we ll issue it to the NCD holder, provided you do t owe us ay moey. Sectio 11 Geeral exceptios These geeral exceptios apply to the whole cotract ad are i additio to the exclusios show uder We wo t pay for i each sectio of this documet of car isurace. 1. Chage of circumstaces otificatio ad acceptace This isurace wo t apply uless: you ve told us about ay chage as listed i sectio 12.2, geeral coditios; ad we ve agreed to provide cover, issued a ew schedule ad where appropriate issued a ew certificate of motor isurace. 2. Drivig ad use This isurace wo t apply if ay car your policy allows you to drive is beig drive ad/or used with your permissio: other tha whe i lie with your certificate of motor isurace ad/or your schedule; by ay perso ot described o your certificate of motor isurace ad/or your schedule as etitled to drive or be i charge of your car; by ay perso who does t have a valid drivig licece, is disqualified from drivig, has ot held a drivig licece or who is preveted by law from holdig a drivig licece; by ay perso who is breakig the coditios of their drivig licece; for ay type of delivery, retig out, peer to peer hire schemes (icludig whe the hirer is usig your car) or use for hire ad reward icludig (but ot limited to) use as a taxi or for courierig; for racig, pacemakig, speed trials, track days or for competig i Natioal British A or Iteratioal rallies; for ay use i coectio with the motor trade other tha by a member of the motor trade for the purposes of overhaul, upkeep or repair; whe towig for paymet/reward a carava, trailer or mechaically disabled vehicle; for towig more tha oe carava, trailer or mechaically disabled vehicle at the same time. 3. Cotractual liability We wo t pay for ay liability resultig oly from a cotract or agreemet you have with aother party. 4. Radioactivity We wo t pay for ay loss, damage, liability or cost directly or idirectly caused by: radiatio or cotamiatio from uclear fuel or uclear waste or from burig or explosio of uclear fuel; the radioactive, toxic, explosive, hazardous or cotamiatig 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. 15 DOCUMENT OF CAR INSURANCE

16 5. War, terrorism, riot, civil urest We wo t pay i the evet of: war, civil war, terrorism, rebellio or revolutio except whe required by the Road Traffic Act; or riot or civil urest that happes outside Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads. Sectio 12 Geeral coditios We ll provide cover uder this policy if you ad ayoe else covered by this isurace meet all the terms ad coditios i this documet of car isurace ad those show o your schedule. 1. Care of your car You or ay perso i charge of your car must protect your car from damage or loss. Trackig devices must always be o ad workig whe your car is left uatteded. Your schedule shows ay security requiremets specific to your policy. If these requiremets are t met, this isurace wo t be valid ad we wo t pay a claim. You must always take the igitio key or device out of the igitio ad remove them completely whe your car is left uatteded. You should lock all doors ad close all widows ad su-roofs. You should esure your car is kept i a roadworthy coditio ad you must have a valid Departmet for Trasport Test Certificate (MOT) if oe is eeded by law. You must give us access to examie your car ad if asked, sed us evidece of a valid MOT ad/or evidece your car was regularly maitaied ad kept i a roadworthy coditio. 2. Your resposibility to provide correct iformatio Whe applyig for, amedig or reewig this isurace you must aswer all questios truthfully ad to the best of your kowledge, icludig questios that apply to ay other perso covered by this isurace. Your schedule shows the aswers you ve provided ad you must let us kow if ay of the details are icorrect as soo as possible after receivig your documets. At reewal, you must also let us kow if ay of the iformatio has chaged for you ad/or ayoe isured uder your policy, icludig ay claims or motorig covictios/edorsemets. Chages you eed to tell us about durig the period of cover You must tell us as soo as possible if: you chage your car; the mai driver has chaged or you wat to add a additioal driver; you chage the registered keeper; you chage the way you use your car, e.g. from social domestic ad pleasure to busiess use; you move house or chage the address of where you keep your car; chages are made to the maufacturers stadard specificatio, which improve the value, appearace, performace or hadlig of your car; your drivig licece has chaged, such as it is ow withdraw; DOCUMENT OF CAR INSURANCE 16

17 you chage occupatio, icludig part time work. If you make ay of the chages above, you wo t be covered uless we ve agreed ad issued a ew schedule ad where appropriate issued you a ew certificate of motor isurace. This meas that if you do t tell us, we may reject ay claim or reduce the paymets we make. Whe we agree to your chage, it may result i a additioal or retur premium ad may be subject to a admiistratio charge. Your schedule gives details of charges that may apply. If the chages you make mea we ca o loger isure you, we ll give you otice of cacellatio. Please see sectio 12.9, geeral coditios, our rights to cacel your isurace. Documets ad iformatio you may eed to give us To help us validate your details, you may be asked to sed us documets, iformatio or allow us to have access to databases. Examples of documets or iformatio we may require iclude your drivig licece, your drivig licece umber, your vehicle registratio documet, proof of NCD, proof of your address, ad a copy of your utility bill. Failure to provide the requested documets, iformatio or authority to access ay requested databases may result i your policy beig cacelled. If a refud is paid, we will deduct our charge for the cacellatio ad for the time you ve bee o cover. 3. Misrepresetatio, fraud ad fiacial crime If you or ayoe represetig you: provides us with misleadig or icorrect iformatio to ay of the questios asked whe applyig for, amedig or reewig this isurace; deliberately misleads us to obtai cover, gai a cheaper premium or more favourable terms; provides us with false documets; makes a fraudulet paymet by bak accout ad/or card; we may: amed your policy to record the correct iformatio, apply ay relevat policy terms ad coditios ad collect ay additioal premium due icludig ay admiistratio charges. If you pay by istalmets, you will be iformed if this additioal premium caot be added to your curret istalmet pla ad must be paid i full; reject a claim or reduce the amout of paymet we make; or cacel or void your policy (treat it as if it ever existed), icludig all other policies which you have with us, ad apply a cacellatio charge. Where fraud is idetified, we ll also: ot retur ay premium paid by you; recover from you ay costs we ve icurred: ad pass details to fraud prevetio ad law eforcemet agecies who may access ad use this iformatio. 17 DOCUMENT OF CAR INSURANCE

18 3.1 Claims fraud If you or ayoe represetig you: makes a claim or part of ay claim that is fraudulet, false or exaggerated, we may: reject the claim or reduce the amout of paymet we make; cacel your policy from the date of the fraudulet act ad ot retur ay paymet paid; recover from you ay costs we ve icurred relatig to the fraudulet claim ad ay further claims otified after the date of the fraudulet act; ad pass details to fraud prevetio ad law eforcemet agecies who may access ad use this iformatio. Other isurers may also access this iformatio. 4. Accidet ad claims procedure You or ay other perso drivig uder this isurace must: give us full details of ay accidet as soo as possible; iform the police as soo as possible if your car or its cotets are stole or vadalised ad provide us with the crime referece umber; immediately sed us all commuicatios from other people ivolved without replyig; immediately tell us about ad sed to us, ay otice of iteded prosecutio, iquest, fatal iquiry or ay writ, summos or process without replyig; ad co-operate with us ad provide details of your claim that we may request to help us validate ad process your claim. You must ot, without our coset: egotiate or admit resposibility: or make ay offer, promise or paymet. We re etitled to: have total cotrol to coduct, defed ad settle ay claim; ad take proceedigs, i your ame or i the ame of ay other perso claimig uder this isurace, at our ow expese ad for our ow beefit to recover ay paymet we have made. 5. Other isuraces If ay loss, damage or liability is covered by this isurace ad is also covered by ay other isurace, we ll oly pay our share. This coditio does t apply to sectio 7, persoal accidet beefits. 6. Compulsory isurace laws If uder the law of ay coutry we must make a paymet which we would t otherwise have to make, you must repay that amout to us. DOCUMENT OF CAR INSURANCE 18

19 7. Car sharig Acceptig paymets from passegers as part of a car sharig arragemet wo t affect your isurace cover, if: they re beig give a lift for social or similar purposes; your car is t built or adapted to carry more tha eight passegers; this is ot as part of a busiess of carryig passegers; ad ay moey received does t produce a profit. 8. Volutary use Social, domestic ad pleasure use icludes use of your car for volutary purposes. No paymet or icome should be received other tha reasoable expeses to cover ruig costs such as fuel. 9. Cacellatio Our rights to cacel your isurace We ll cacel immediately or void your isurace back to its start date (treat it as if it ever existed) as soo as we idetify: misrepresetatio or ay attempt to gai a advatage uder this isurace to which you re ot etitled; your ivolvemet i, or associatio with isurace fraud ad/or fiacial crime. We ll cacel your isurace by givig you 7 days otice if: you do t pay the premium or a istalmet whe we have otified you that the outstadig amout is required by a specific date; you or ayoe else covered by this isurace has t met the terms ad coditios i this documet of car isurace icludig those show o your schedule; a chage i your circumstaces meas that we ca o loger provide cover; you behave i a maer that makes it iappropriate for us to cotiue your isurace, e.g. if you harass or show abusive or threateig behaviour towards our staff. Our cacellatio otice will cofirm the reaso for cacellatio ad be posted ad/or ed to you. The isurace will ed immediately whe stated o the cacellatio otice. But if you ve just take out the policy or reewed with us ad the premium is upaid, we ll cacel your isurace from the start/reewal date. We ll refud the balace of your premium that applies to the remaiig period of cover. If a refud is paid, a cacellatio charge will be deducted from the refud. If a claim has bee made or misrepresetatio, fraud or fiacial crime idetified, we ll cacel your cover but may ot refud ay premium. If you re payig by istalmets, you must still pay us the balace of the full aual premium. Your rights to cacel your isurace Up to 14 days after you receive your documets At the start of your isurace, whe you receive your documets, you have 14 days to check you re happy with the isurace cover you ve bought. If the cover does t meet your eeds, you ca cacel your isurace by tellig us. If you do this withi 14 days of receivig your documets, we ll refud ay moey you ve paid less a charge for the cover 19 DOCUMENT OF CAR INSURANCE

20 you ve had ad a cacellatio charge will apply for settig up the policy. A charge wo t be made if you cacel before the cover start date. More tha 14 days after you receive your documets After the iitial 14 days, if you ve ot made a claim, we ll refud ay moey you ve paid, less a charge for the cover you ve had ad a cacellatio charge will apply. If you ve made a claim o refud will be paid. If you re payig by istalmets, you must still pay us the balace of the full aual premium. Please refer to your schedule for details of the charges that apply. Cacellatio at reewal We ll sed you a reewal ivitatio 3 weeks before your reewal date. This will show your reewal premium ad ay chages to your isurace policy. If you have t chose our cotiuous paymet optio, you must cotact us before your reewal date to cotiue with your isurace policy. If you ve chose our cotiuous paymet optio, we ll automatically reew your isurace policy before it expires. As part of our reewal process your debit or credit card provider will tell us your ew card umber if it has chaged. If you do t wat to reew or your credit card provider has chaged please cotact us before your reewal date. If you reew, whether or ot uder the cotiuous paymet optio, but the decide to cacel, provided you tell us before your reewal date, we ll refud what you ve paid i full. If you cacel after your reewal date has passed you will be charged i lie with the cacellatio rules explaied o your schedule. If you are due a refud, we ll sed this to you withi 7 days of you tellig us that you d like to cacel. Reewal of your policy We reserve the right ot to ivite the reewal of your policy. Isurace premiums All premiums iclude isurace premium tax where applicable. You may also have to pay other taxes or costs, for example if the premium is reimbursed by a employer it may be classed as a taxable beefit i kid. If so you ll eed to pay this tax or cost yourself. 10. Premium paymet by istalmets if you agree to pay your premium by mothly direct debit or a similar arragemet you must pay ay deposit we ask for ad make sure your istalmet paymets are kept up to date; if you make a claim, we may deduct ay outstadig amouts due to us before payig the claim. 11. Admiistratio charges We ll apply a charge to cover our admiistratio costs i certai circumstaces. Please refer to your schedule for details of the charges. This charge will be added to ay premium due or deducted from ay refud due i respect of the amedmet to your isurace. 12 The law that applies to your isurace If you have a motor policy ad live i Guersey, the law of Guersey applies or if you live i Jersey, the law of Jersey will apply to that cotract with us. Other tha that, the law of Eglad ad Wales applies to your cotract with us. DOCUMENT OF CAR INSURANCE 20

21 A summary of how we use your persoal iformatio Liverpool Victoria Isurace Compay Limited is the cotroller of your persoal iformatio. We ll keep you iformed about how we use your persoal iformatio i the documet How we use your persoal iformatio, which is available: olie at LV.com/GIdata i writig, Braille, large prit ad audiotape from GI Customer Support, LV=, Couty Gates, Bouremouth, BH1 2NF or GICustomerSupport@LV.com You have a umber of rights cocerig your persoal iformatio. You ca ask for a perso to review a automated decisio, ad i certai circumstaces to: access the persoal iformatio we hold about you correct persoal iformatio have your persoal iformatio deleted restrict us processig your persoal iformatio receive your persoal iformatio i a portable format, ad object to us processig your persoal iformatio If you wat to fid out more or exercise these rights, cotact GI Customer Support, LV=, Couty Gates, Bouremouth, BH1 2NF or us at GICustomerSupport@LV.com. You ca cotact us about data protectio at: Data Protectio Officer, LV= Couty Gates, Bouremouth, BH1 2NF or dpo@lv.com. 21 DOCUMENT OF CAR INSURANCE

22 Customer Services Mo-Fri 8am-8pm, Sat ad bak holidays 9am-5pm, Su 10am-4pm To make a claim 24 hours a day, 365 days a year For Text Phoe first dial Calls will be recorded for traiig ad moitorig purposes You ca get this ad other documets from us i Braille, large prit or o audiotape by cotactig us. LV= ad Liverpool Victoria are registered trademarks of Liverpool Victoria Friedly Society Limited ad LV= ad LV= Liverpool Victoria are tradig styles of the Liverpool Victoria Group of compaies. Liverpool Victoria Isurace Compay Limited, registered i Eglad ad Wales umber is authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority, register umber Registered address: Couty Gates, Bouremouth BH1 2NF. Tel: Car DOI 04/18

23 Just i case you eed our help Write your policy umber o these cards ad keep them with you. Just give us a call if you eed us! Importat Telephoe Numbers Customer Services Claims (withi the UK) (outside the UK) Autoglass Importat Telephoe Numbers Customer Services Claims (withi the UK) (outside the UK) Autoglass Importat Telephoe Numbers Customer Services Claims (withi the UK) (outside the UK) Autoglass