Document of Insurance. Keep me safe. Car Insurance

Transcription

1 Documet of Isurace Keep me safe Car Isurace

2 Welcome to LV= We re delighted you ve chose us Thak you for buyig a LV= isurace policy. We re really pleased that you ve chose us for your car isurace eeds ad we re cofidet you ll be happy with the cover ad service you receive. This booklet cotais everythig you eed to kow about your isurace ad how to cotact us. So make sure you keep it safe with your schedule ad your certificate of motor isurace. Exceptioal service Our claims service goes the extra mile - committed to doig the right thig for you, we ll aim to settle claims quickly ad efficietly, eve i the most difficult circumstaces. If you ever eed to make a claim, just call our friedly UK call cetre o Discouts Do t forget that as a LV= customer you ll receive a discout o some other great LV= isurace products. We hope you ll cotiue to be a LV= customer for may years to come. DOCUMENT OF INSURANCE CAR 2

3 Cotets Page Welcome to LV= 2 Your car isurace policy 4 Useful iformatio 4 Defiitios 5 Territorial limits ad Europea Uio (EU) compulsory isurace 7 Sectio 1 Accidetal damage 7 Sectio 2 Fire ad theft 8 What is ot covered uder sectios 1 ad 2 8 How we will settle your claim uder sectios 1 ad 2 9 Sectio 3 Liability to other people 10 What is ot covered uder sectio 3 12 Sectio 4 Use by the motor trade, hotels ad car parks 12 Sectio 5 Widscree ad widow glass 12 Sectio 6 Guarateed courtesy car 13 Sectio 7 Foreig use 13 Sectio 8 Persoal accidet beefits 14 Sectio 9 Medical expeses ad physical assault beefits 14 Sectio 10 Persoal belogigs 15 Sectio 11 No claim discout 15 Sectio 12 Geeral exceptios 16 Sectio 13 Geeral coditios 17 How we use your persoal iformatio 22 3 DOCUMENT OF INSURANCE CAR

4 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 premium we ll cover you for isured evets that happe durig the period of cover 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. 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 - 9pm, Sat 8am - 5pm, Su ad bak holidays 9am - 5pm) To make a claim (24 hours a day, 365 days a year) (+) if callig from abroad ad your schedule shows sectio 7, foreig use as beig icluded. 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 maliciously damaged, report this to the police immediately. Take a ote of the officer s ame ad 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 TextDirect please dial first, 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: 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, Harbour Exchage Square, Lodo E14 9GE. For more iformatio please visit DOCUMENT OF INSURANCE CAR 4

5 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@ fiacialombudsma.org.uk Note: Makig a claim 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 isurace, 100% of the claim is covered o compulsory isurace, such as home isurace, 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 I-car equipmet 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 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 of their miimum compulsory isurace requiremets. audio equipmet, a permaetly fitted car telephoe, dashboard or widscree mouted camera, DVD player, televisio ad satellite avigatio equipmet. 5 DOCUMENT OF INSURANCE CAR

6 Mai driver Market value Parter Policyholder Schedule Total loss Track days We, our, us Wear ad tear You, your Your car 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. 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. forms part of your cotract with us ad icludes the: period of cover; ame of policyholder, drivers ad their use; covictio ad claims history of permitted drivers; details of your car; sectios which apply i this documet of car isurace; 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. the isured vehicle 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 broke-dow motor vehicle while they re attached to your car for towig. DOCUMENT OF INSURANCE CAR 6

7 Territorial limits ad Europea Uio (EU) compulsory isurace 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 Uio (EU) compulsory isurace If your car is registered ad kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads, we provide the miimum compulsory isurace icludig whe your car is beig trasported withi ad betwee: EU coutries; ad ay other coutry which follows EU directives as show o your certificate of motor isurace. Your certificate of motor isurace is proof of compulsory motor isurace i EU coutries ad other coutries which follow the EU motor isurace directives ad are approved by the Commissio of the EU. Compulsory motor isurace is the miimum level of cover required by law. It may ot be the same cover you have i the UK, for example, there wo t be ay cover if your car is stole or damaged. Sectio 1 Accidetal damage What is covered: If your car ad/or its accessories (icludig whe kept i your garage) are damaged by accidet, vadalism or malicious damage, we may: 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. Uisured driver promise If you re hit by a uisured driver ad the accidet is ot your fault, you wo t lose your o claim discout or pay ay excess. We ll eed you to provide the registratio umber, make, model ad colour of the other car ivolved ad also the driver s ame ad address. 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. 7 DOCUMENT OF INSURANCE CAR

8 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 may: 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; we have stated you must have a workig security or trackig device whe your car is uatteded your schedule will cofirm if 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, breakdows or breakages; damage to tyres caused by brakig, puctures, cuts or bursts; 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; DOCUMENT OF INSURANCE CAR 8

9 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 total 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, 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 pay for the loss or damage to i-car equipmet. If the equipmet was part of the stadard specificatio of your car whe first registered, we ll provide ulimited cover. If the equipmet was ot part of your car whe first registered ad is either permaetly fitted or portable, we ll provide ulimited cover. 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. 9 DOCUMENT OF INSURANCE CAR

10 Child car seats If your car is damaged i a accidet, we ll replace ay child seat i your car, with a ew oe of the same quality, eve if there s o apparet damage. Excesses that apply If your schedule shows that you have a excess, you must pay that as the first part of ay claim. Jourey cotiuatio If your car ca t be drive followig a accidet i the UK (which is 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 for ay alterative trasport that you arrage to cotiue your jourey. We ll oly pay these costs if you provide receipts. We ll also provide this extra beefit if the accidet happes withi the EU ad your schedule shows sectio 7, foreig use is icluded. Hospital beefit If, you or your parter are ijured ad admitted to hospital as a ipatiet, we ll pay 25 a day up to 500 i total. Emergecy overight accommodatio If we make a paymet uder this sectio, for loss or damage, we ll pay up to 35 for each passeger (icludig the driver), up to 150 i total, towards the cost of emergecy accommodatio that you eed as a result of the same accidet. Out of pocket expeses If we make a paymet uder this sectio, for loss or damage, we ll pay your out of pocket expeses up to 50, if they are as a result of the same icidet. 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 to drive a private car/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/va; the car/va is registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; it s ot a va which has bee adapted to carry passegers; the car/va does t exceed 3.5 toes GVW (Gross Vehicle Weight); the car/va has t bee seized or cofiscated by or o behalf of ay govermet or public authority; DOCUMENT OF INSURANCE CAR 10

11 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 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). 11 DOCUMENT OF INSURANCE CAR

12 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; 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: Accidetal damage 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. DOCUMENT OF INSURANCE CAR 12

13 Sectio 6 Guarateed courtesy car We ll pay for a courtesy car oly if this sectio is icluded o your schedule. After loss or damage to your car ad if we are maagig your claim we ll supply ad pay for a courtesy car: whilst the repairs are carried out by our Recommeded Repairer Service; or for up to 14 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 courtesy car will either be provided via our Recommeded Repairer Service or a hire compay of our choice. The courtesy car will usually be a small hatchback uder 1200cc. We ll isure the courtesy car for comprehesive cover ad all your other policy terms ad coditios will apply, icludig drivers ad their permitted use. The use of the courtesy car is restricted to the territorial limits of the policy, irrespective of sectio 7, foreig use, applyig. You ll pay for ay fuel used. You must retur the courtesy car whe we or the ower ask you to. If your isurace expires you are o loger isured to drive the courtesy car. Sectio 7 Foreig use Europea Uio (EU) cover If this sectio is icluded o your schedule, 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. Your certificate of motor isurace is proof of compulsory motor isurace i the coutries which are show o your schedule. Compulsory motor isurace is the miimum level of cover required by law. It may ot be the same cover you have i the UK, for example, there wo t be ay cover if your car is stole or damaged. Note: If you do ot have this sectio o your schedule, you will oly have the miimum compulsory isurace. Use i other foreig coutries If you wat to use your car i coutries ot listed o your schedule, 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; 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 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. 13 DOCUMENT OF INSURANCE CAR

14 Sectio 8 Persoal accidet beefits What is covered: We ll pay the amout show o your schedule if you or your parter 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. Sectio 9 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; happes outside the territorial limits; 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 DOCUMENT OF INSURANCE CAR 14

15 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; is ot reported to the police as soo as possible; or happes outside the territorial limits. Sectio 10 Persoal belogigs What is covered: We ll pay up to 250 for persoal belogigs i your car 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 2. Sectio 11 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 policyholder s ame. A amed driver 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. 15 DOCUMENT OF INSURANCE CAR

16 If a claim is made agaist your policy ad your NCD is t guarateed, 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 Guarateed NCD to If you re eligible ad pay the required extra premium, you may choose to guaratee your NCD. If chose, this will be show o your schedule. If your NCD is show as guarateed 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 guaratee 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 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 you re etitled to. For further iformatio, refer to sectio 13.3, geeral coditios. If you require proof of your NCD eared whilst isured with us, we ll issue it for you, provided you do t owe us ay moey. Sectio 12 Geeral exceptios These geeral exceptios apply to this whole cotract ad 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 13.2, 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 cotract 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; DOCUMENT OF INSURANCE CAR 16

17 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 hire or reward, 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. 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 13 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. Alarms, immobilisers ad 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. 17 DOCUMENT OF INSURANCE CAR

18 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 good 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 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; 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 13.9, 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. DOCUMENT OF INSURANCE CAR 18

19 3. Misrepresetatio ad fraud 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. 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 maliciously damaged 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. 19 DOCUMENT OF INSURANCE CAR

20 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 8, 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. 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 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; we idetify misrepresetatio or fraud or ay attempt to gai a advatage uder this isurace to which you re ot etitled, see geeral coditios 13.3; we idetify your ivolvemet i or associatio with isurace fraud ad/or fiacial crime; 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. DOCUMENT OF INSURANCE CAR 20

21 Our cacellatio otice will cofirm the reaso for cacellatio ad be posted ad/or ed to you. The isurace will ed immediately the 7 days otice rus out. 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 uless fraud has bee idetified. If a refud is paid, a cacellatio charge will be deducted from the refud. If a claim has bee made, 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 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. Please refer to your schedule or policy summary 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 ad policy summary. If you are due a refud, we ll sed this to you withi 30 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. 21 DOCUMENT OF INSURANCE CAR

22 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. How we use your persoal iformatio Data Protectio Act 1998 ad Isurace Admiistratio 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. How we may use your persoal data is cotrolled by the requiremets of the Data Protectio Act Liverpool Victoria Isurace Compay Limited is registered for the purpose of processig persoal data. Iformatio provided will be used to offer you a quote ad for the admiistratio of your policies icludig reewal. It may also be used for research ad aalysis. We may obtai iformatio from or exchage it with other orgaisatios to assist with the validatio of your details ad assess isurace risk. We may also ask you to provide evidece. Iformatio you provide, we obtai or exchage, may be held o computer, paper file or other format, whether or ot you purchase a policy. We ll hold this iformatio for a reasoable time to esure we have a clear ad complete history of Isurace equiries, applicatios, policy records ad trasactios. We ad our agets (e.g. service providers that we have agreemets with both withi ad outside the Europea Ecoomic Area) may use this iformatio (some of which may be sesitive data) to process ad admiister your isurace. It may also be used or disclosed to regulators to moitor ad eforce our compliace with ay regulatio. Occasioally, your persoal iformatio may be disclosed to selected third parties who are helpig us improve our service. If you give us your credit card, debit card or bak details we may use it to automatically reew your isurace. We ll oly do this where you say we ca. 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 ll oly do this if we re sure it s a geuie request. DOCUMENT OF INSURANCE CAR 22

23 If we receive a request for policy iformatio by a idividual other tha you we ll check that you have give permissio to do this. We wo t use sesitive persoal data for marketig purposes. Credit Search ad Idetity check We use iformatio obtaied from credit referece agecies who will check the details supplied agaist ay database, public or otherwise. 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 ll see a record of this Credit search if you request a Credit Report. No other orgaisatio who may coduct credit searches will be able to see it. If we coduct a Idetity check a record of this will be retaied by the credit referece agecies ad may be provided to other orgaisatios to assist with verificatio ad idetificatio purposes. You ll see a record of this Idetity check if you request a Credit Report. These searches wo t affect your credit record or credit ratig i ay way. You ca request your Credit Report from ay credit referece agecy. Motor Isurace Database We ll 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 provisios of govermet services ad/or other services aimed at reducig uisured drivig. If you re 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 car. You ca check that your registratio umber is show o the MID at Policy discouts We provide discouts (e.g. multi-product discout) i certai circumstaces where there is more tha oe isurace held with us at the same address ad we may validate ay discouts agaist these isuraces. This could result i ayoe else livig at your address who has a isurace with us, beig made aware that someoe else at your address, icludig you, has isurace with us. 23 DOCUMENT OF INSURANCE CAR

24 Previous claims ad accidets If asked, you must tell us about ay claim or accidet (eve if it was t your fault). Whe you tell us we ll 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 ll 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 ll 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 ll 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. Tellig you about other products ad services Uless you ve idicated otherwise, your iformatio may be used by us ad other carefully selected orgaisatios 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 d rather ot receive such iformatio please write to CSA Departmet, LV=, Couty Gates, Bouremouth BH1 2NF. Access to the persoal iformatio we hold about you 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. 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. Commuicatios 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 may be recorded for traiig ad moitorig purposes. DOCUMENT OF INSURANCE CAR 24

25 Car Isurace Customer Services Mo-Fri 8am-9pm, Sat 8am-5pm, Su ad bak holidays 9am-5pm To make a claim 24 hours a day, 365 days a year For TextDirect: dial first. Calls may 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 trade marks 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: /16 B/L CAR ENLM6N