Car Insurance. Policy document. Keep me safe

Transcription

1 Car Isurace Policy documet Keep me safe

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3 WELCOME TO ABC INSURANCE Thak you for choosig ABC 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, please keep it safe with your schedule ad certificate of isurace. A little bit more about us ABC is part of LV=. ABC ad ABC isurace are registered trademarks ad tradig styles of the Liverpool Victoria Group of Compaies. LV= is a registered trademark of Liverpool Victoria Friedly Society. You ca fid out more about us at Documet of car isurace 1

4 YOUR CAR INSURANCE POLICY You should read this policy, the schedule, edorsemets ad certificate of motor isurace as oe cotract. It is our agreemet with you, based o the iformatio you give to us ad o the iformatio i your proposal or statemet of isurace. I retur for your premium we will give you isurace for liability, loss or damage which happes durig the period of isurace stated o your schedule. This will be i lie with the sectios of this policy documet, which are show as operative o your schedule. The laws that apply to this cotract Uless we agree with you to apply the laws of aother coutry, Eglish law will apply to this cotract. All commuicatios will be i Eglish. 2 Documet of car isurace

5 CONTENTS Page Your car isurace policy 2 Defiitios 4 How we use your persoal iformatio 6 Territorial limits 15 Car sharig 15 Coolig-off cacellatio right 15 Cacellig your policy (Outside the coolig-off cacellatio right) 16 Chages to your details 17 Sectio 1 Accidetal damage 18 Sectio 2 Fire ad theft 19 What is ot covered uder Sectios 1 ad 2 20 Basis of settlemet Sectios 1 ad 2 22 Sectio 3 Liability to other people 24 Sectio 4 Use by the motor trade, hotels ad car parks 26 Sectio 5 Foreig use 27 Sectio 6 Persoal accidet beefits 28 Sectio 7 Medical expeses ad physical assault beefits 29 Sectio 8 Persoal belogigs 30 Sectio 9 No claim discout ad protected o claims discout 31 Sectio 10 Geeral exceptios 33 Sectio 11 Geeral coditios 36 Useful Iformatio 38 Makig a claim 40 Documet of car isurace 3

6 DEFINITIONS The followig words or phrases have the same meaig wherever they appear. These meaigs apply to the whole policy uless otherwise stated. Broker Certificate of motor isurace Gree Card Mai driver Market value Policy documet Schedule Stadard accessories Track days The perso or compay who has issued these documets o our behalf ad who sold you this policy. Legal evidece of your isurace. It is oe part of the cotract of motor isurace. It shows the cars we are isurig, who may drive the isured car (where ay authorised driver is stated, refer to the schedule for restrictios), what it may be used for ad the period of isurace. The Iteratioal Motor Isurace Card. This is the documet that some coutries eed as proof of compulsory isurace. The perso who drives your car most of the time whether for social purposes or for travel to ad from a place of busiess, duty or study. The cost at the date of the accidet or loss of replacig your car, if possible, with oe of a similar make, model, age, coditio ad mileage. We will usually ask a egieer to give us advice about the market value of the isured car, refer to guides of car values ad ay other relevat sources. This policy documet, which sets out the details of cover ad all the terms ad coditios which apply. It is oe part of the cotract of motor isurace. Forms part of the cotract of motor isurace ad cofirms details of you, the isured car(s) ad the cover which applies. Accessories made available for the car by the maufacturer as optioal extras ad for which a receipt must be provided. Stadard accessories do ot iclude modificatios to the isured car, sigwritig or ay other accessory fitted to it ot provided by the vehicle maufacturer. Drivig or use o a motor racig track, circuit, airfield, derestricted toll road or at a off road evet. 4 Documet of car isurace

7 We, our, us Your car You, your Liverpool Victoria Isurace Compay Ltd. The isured car (icludig its accessories ad spare parts). This is show o your schedule. As well as ay motor car which is loaed or hired to you uder our Motor Damage Claims Service or by a member of the Motor Trade while the isured car is i the custody of the Motor Trader for service, repair or MOT. I Sectio 3 of your documet of isurace it also icludes a trailer, carava or broke-dow motor vehicle while they are attached to your car for towig. The perso amed as the policyholder o the schedule ad certificate of motor isurace. Documet of car isurace 5

8 IMPORTANT INFORMATION How we use your persoal iformatio This explais how we collect, use ad store your persoal iformatio. This icludes ay persoal iformatio give to us about other people amed o the policy, quote or claim. We wat you to be cofidet about how we use your persoal iformatio. As a regulated compay ad iformatio cotroller we take our resposibilities for the security ad maagemet of your persoal iformatio seriously. That s why we ivest i our systems ad processes to esure that the way we collect, use, share, ad store your iformatio meets both the regulatory ad our ow high stadards. Who we are ad how to cotact us Liverpool Victoria Isurace Compay Limited is the cotroller of your persoal iformatio ad is part of the LV= group of compaies. For more iformatio visit LV.com/terms/lv-compaies. If you have ay questios about how we process your persoal iformatio please get i touch with us at: GI Customer Support, LV=, Couty Gates, Bouremouth, BH1 2NF or us at: GICustomerSupport@LV.com. You ca also cotact our Data Protectio Officer: Data Protectio Officer, LV= Couty Gates, Bouremouth, BH1 2NF or via at dpo@lv.com. 6 Documet of car isurace

9 IMPORTANT INFORMATION CONTINUED Iformatio we collect We oly ask for iformatio that we eed, ad have strict cotrols to keep it safe. We collect your persoal iformatio to provide our products ad services (eg hadlig your claims) to you. Without the iformatio we ask for, we ca t give you a quote or isurace policy ad it may affect the outcome of ay claims you make. Persoal iformatio we collect will be held i digital ad/or paper files. We collect persoal iformatio such as ame, address, date of birth, crimial covictios, health, ad claims history. We ll also collect iformatio which relates to the thigs you wat to isure (for example your house or vehicles). We collect persoal iformatio about everybody amed o your policy, quote, icidet or claim whe you: ask for a quote or apply for a policy buy ad/or use a product or service ask us a questio make, or iform us of a claim or icidet update your persoal details chage your cover register a complait take part i market research (eg customer satisfactio surveys) How we use ad share your persoal iformatio The persoal iformatio we ask for will be used by us ad third parties who process iformatio o our behalf. This icludes orgaisatios who admiister your policy, service your claims ad reisurers. Legal grouds for processig persoal iformatio We collect your persoal iformatio to provide our quotes, products ad services to you. As a regulated fiacial services orgaisatio we re required to comply with legal ad regulatory obligatios such as the prevetio, detectio ad reportig of fraud ad other fiacial crime. Documet of car isurace 7

10 IMPORTANT INFORMATION CONTINUED We ll process persoal iformatio for our legitimate iterests, whe we have a busiess reaso to do so, to: develop, improve, ad persoalise our products, pricig ad services ehace our customer service, experiece, ad relatioship (eg customer ad market research, busiess aalysis, provide relevat product ad service iformatio) help detect ad prevet fraud ad fiacial crime develop ad improve our admiistratio, security systems ad isurace applicatios share it with third parties i the evet of orgaisatioal chage (eg if we bought or merged with aother orgaisatio) share persoal iformatio with other LV= compaies If we eed your coset to process persoal iformatio we ll ask for this first. You ca withdraw your coset at ay time. We ll ask for your coset (or ext of ki s), to obtai ay medical / health iformatio we eed. I a emergecy we ll maage claims util you or someoe else is able to act o your behalf. Automated decisio makig ad profilig We use automated decisio makig to help determie the prices, policy terms, relevat products/services, whe you research or ask for a quote, buy isurace, make ay chages, reew or make a claim. We may also profile you based o your persoal iformatio ad that provided by third parties. Profilig may be used to help determie the likelihood of a claim or policy trasactio beig fraudulet. Profilig will also be used to ehace our uderstadig of you ad to iform our busiess decisios (eg product desig, pricig, customer joureys or marketig strategy). Please see the persoal iformatio rights sectio below. 8 Documet of car isurace

11 IMPORTANT INFORMATION CONTINUED Multiple policies at the same address We may provide a discout if there is more tha oe policy at the same address. This could result i ayoe at the address who has a policy or quote with us the beig made aware that someoe else livig there also has isurace with us. Iteratioal trasfers I the evet that we process persoal iformatio outside the UK, the processig i those locatios is protected by UK ad Europea data stadards. Where your claim occurs abroad we will also sed data to the ecessary service providers ad agecies as required to service your claim. Fiacial crime & fraud prevetio agecies The persoal iformatio we have collected will be shared with crime prevetio agecies who will use it to prevet fiacial crime ad fraud ad to verify your idetity. If fiacial crime or fraud is detected, you could be refused certai services, fiace or employmet. Where we suspect fiacial crime or fraud, we may cacel ay policies you have with us, ot be able to pay ay claim or offer you the requested product or service. We may share relevat iformatio with crime ad fraud prevetio agecies, law eforcemet agecies ad other relevat orgaisatios. Regulatory bodies Your persoal iformatio will be used or disclosed as required to regulators to moitor ad eforce our compliace with ay regulatio. Claims ad Uderwritig Exchage ad other databases You must tell us about ay claim or accidet, eve if it was t your fault. We ll share this iformatio ad your persoal details with databases such as the Claims ad Uderwritig Exchage (CUE). We may search these databases whe you apply for isurace, make a claim or reew your policy, to validate your claims history (or that of ay other perso or property likely to be ivolved i the isurace or claim). Documet of car isurace 9

12 IMPORTANT INFORMATION CONTINUED Credit search ad idetity check I order to process your applicatio we ll supply your persoal iformatio to credit referece agecies (CRAs) ad they ll give us iformatio about you, such as about your fiacial history. We do this to assess creditworthiess, check your idetity, maage your accout, trace ad recover debts ad prevet fraud ad other fiacial crime. We ll also cotiue to exchage iformatio about you with CRAs o a ogoig basis, icludig about your settled accouts ad ay debts ot fully repaid o time. CRAs will share your persoal iformatio with other orgaisatios. Your data will also be liked to the data of ay joit applicats or other fiacial associates you have. The idetities of the CRAs ad the ways i which they use ad share persoal iformatio are explaied i more detail at experia.co.uk/crai, callcredit.co.uk/crai ad equifax.co.uk/crai. Brokers If we get your details from a isurace broker, your persoal iformatio (eg policy details, claims, paymet, suspected fraud ad other fiacial crime iformatio) will be shared with them. Parter or affiity associatios If you get a quote or buy through oe of our parter or affiity associatios, we may pass some of your persoal iformatio back to them (eg policy details, claims, membership ad suspected fraud ad other fiacial crime iformatio). Icidets or claims Whe you tell us about a icidet or claim we ll share this with relevat agecies ad appropriate service providers. We ll also collect iformatio from ayoe else ivolved as ecessary, eg claimat, witesses or police. Public iformatio We may use public iformatio (such as electoral roll, couty court judgemets, vehicle taxatio status, MOT status, bakruptcy or repossessios). 10 Documet of car isurace

13 IMPORTANT INFORMATION CONTINUED Idustry databases We ll check ad exchage iformatio with idustry databases, such as: credit referece compay data (eg credit scores) geographical (eg flood scores, iformatio about a locatio) demographics (eg modelled data o household icomes, credit referece agecy scores) isurace ad claims history (eg previous claims, No Claim Discout) motorig covictio history (eg DVLA MyLicece service) iformatio about what you wat to isure or make a claim for (eg vehicle repair history, vehicle fiace data, property iformatio, buildig coucil tax bad) fiacial crime ad fraud prevetio databases (also refer to fiacial crime ad fraud prevetio agecies sectio) claims compesatio ad recovery databases (eg reimbursemet of NHS costs resultig from a accidet) Specialist services we use We use other compaies to provide some services, eg baks ad buildig societies, breakdow ad recovery agets, claims adjusters, claims suppliers, legal service providers, commuicatio services, debt recovery agecies, marketig, fraud ad other fiacial crime ivestigatio services etc. They ll be give the persoal iformatio they (or their sub-cotractors) eed to maage their service. Market research agecies We may share your persoal iformatio with market research agecies who will coduct market research ad busiess aalysis o our behalf. Reisurers ad reisurace brokers We may eed to share ay persoal iformatio, icludig policy, claims, medical, ad suspected fraud ad other fiacial crime iformatio, with our reisurers ad reisurace brokers. Reisurers provide isurace policies to isurace compaies. Isurace compaies egage a reisurace broker to advise ad assist i arragig a re-isurace policy. Documet of car isurace 11

14 IMPORTANT INFORMATION CONTINUED Other isurers Whe ecessary we share your persoal iformatio with other isurers if you make a claim, to verify that the iformatio you ve provided is correct ad prevet fiacial crime ad fraud. 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. DVLA If you give us a drivig licece umber whe gettig a motor isurace quote, we ll pass it to the DVLA MyLicece service to verify the status of the licece ad etitlemet. We ll the get ay relevat restrictio iformatio, edorsemets ad / or covictio data. 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 importat that the MID holds your correct registratio umber. If ot, you risk the Police seizig your vehicle. You ca check that your registratio umber is show o the MID at askmid.com 12 Documet of car isurace

15 IMPORTANT INFORMATION CONTINUED Medical ad other health services If you make a claim ad give us your coset, we ll get your medical iformatio from the relevat health provider, eg doctor or hospital. Claimats We may be give iformatio by a claimat or their represetative, a witess or family member, to support a claim or to pursue a claim agaist your policy. Other isured parties A isured party o your policy (eg amed driver) may otify us of a icidet or claim agaist your policy. Law eforcemet ad govermet agecies Iformatio may be give to us by law eforcemet agecies (eg the police) about a icidet which may result i a claim or may affect a policy or ogoig claim. Givig someoe permissio to talk to us about your policy We ca oly talk about your policy to you or someoe we re satisfied that you ve authorised to talk to us, o your behalf. Commuicatios Whe you cotact us, persoal iformatio that you give us will be recorded. This helps us improve our customer service, trai our staff, respod to complaits ad prevet fraud ad other fiacial crime. All commuicatios will be i Eglish. You ca get this documet from us i Braille, large prit or audiotape by cotactig us. Cookies We use cookies to ehace your olie experiece ad help us uderstad how our website ca be improved. We do t store ay cotact details or bakig iformatio ad we ll oly remember your last visit. If you wat to fid out more or stop us from usig cookies, please see our cookie policy o our website for more iformatio. Documet of car isurace 13

16 IMPORTANT INFORMATION CONTINUED How log we keep your persoal iformatio If you buy a policy from us we ll keep all persoal iformatio for 7 years after the policy eds to esure we meet our statutory ad regulatory obligatios (eg as laid dow by the HMRC, MIB), ad to allow us to maage complaits or claims. From 7 years ad up to 40 years after the policy eded we ll keep the persoal iformatio we eed for aalysis purposes (eg risk ad busiess modellig such as for pricig) ad so that we ca idetify who ad what was covered by the policy. Beyod 40 years we ll keep iformatio we eed for loger term aalysis (eg weather evet modellig). I exceptioal cases we may eed to keep claim iformatio for loger tha 40 years (eg where serious ijury has occurred ad there is potetial eed to provide life-log care to a ijured perso). We ll keep your quote for up to 1 year. Your persoal iformatio rights You have a right 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 You ca also ask for a perso to review a automated decisio. If you wat to fid out more or to exercise these rights please cotact us: GI Customer Support, LV=, Couty Gates, Bouremouth, BH1 2NF or us at GICustomerSupport@LV.com. Your right to make a complait If you have a complait about the way we process your persoal data please cotact us. You ca also raise your complait with the Iformatio Commissioer s Office o or visit ico.org.uk/cocers. 14 Documet of car isurace

17 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. CAR SHARING Acceptig paymets from passegers as part of a car sharig arragemet will ot affect your isurace cover if: they are beig give a lift for social or similar purposes; the isured car is ot built or adapted to carry more tha eight passegers; this is ot as part of a busiess of carryig passegers; ay moey received does ot produce a profit. COOLING- OFF CANCELLATION RIGHT Whe you receive your Policy, you have 14 days i which to cosider the cover provided. If the cover does ot meet your eeds, you have the right to cacel the Policy ad receive a refud, uless we have made a total loss paymet uder the policy whe o refud will be give. Ay refud will be subject to a deductio for the days you have bee covered. The deductio will be calculated o a proportioate basis ad will iclude a additioal charge of up to 25 to cover the admiistrative costs to us of processig the isurace. These charges are subject to Isurace Premium Tax where applicable. Documet of car isurace 15

18 CANCELLING YOUR POLICY (OUTSIDE THE COOLING-OFF CANCELLATION RIGHT.) You may cacel this cotract of motor isurace at ay time by tellig us, or your isurace broker, i writig or by or telephoe ad cacellatio ca take effect immediately or from a later date, although it caot be backdated to ay earlier date. If you or someoe else has ot made a claim i the curret period of isurace, we will refud part of your premium. We will work out the refud o a pro-rata basis less a premium charge of 25 plus Isurace Premium Tax to cover our admiistratio costs. We will ot refud ay of your premium if the cotract of motor isurace is cacelled followig a claim, whether settled or ot. We, or your broker may cacel this cotract of motor isurace by givig you seve days otice i writig to your last kow address if there is a good reaso for doig so. Some examples are: if you do ot pay your premium, premium deposit or ay istalmet paymet o or before the due date; if you or ayoe else covered by this isurace has ot met all the terms ad coditios of this policy; if a chage i your circumstaces meas we ca o loger provide cover; where we idetify misrepresetatio or fraud or ay attempt to gai a advatage uder this isurace to which you are ot etitled. If you do ot provide us or your broker with documets requested to help validate your details. We will refud the balace of your premium that applies to the remaiig period of isurace uless fraud has bee idetified. If a refud is paid, a premium charge of 25 plus Isurace Premium Tax to cover our admiistratio costs will be deducted from the refud. If you produce a cacelled certificate of motor isurace to ay perso with the itetio of deceivig that perso ito acceptig it as geuie, you may be prosecuted. 16 Documet of car isurace

19 CHANGES TO YOUR DETAILS You must tell your broker as soo as possible if ay of your details chage icludig: chages made to your car which improve it s value, appearace, performace or hadlig. chagig your car. chages i the way you use your car. chage of Ower. chage of Registered Keeper. chage of address or where you keep your car. chage of occupatio, icludig part time work. chage i the mai user of the car. details of ay motorig covictios, fixed pealty offeces or licece edorsemets for ay perso who may drive the car. details of ay crimial covictios for ay perso who may drive the car. details of ay accidets, thefts, loss or damage, regardless of blame or whether a claim was made or ot, for ay perso who may drive the car. This is ot a full list ad you should cotact your broker for advice if you are ot sure whether a chage will affect your cover. If you do ot tell your broker about ay relevat chages, we may: reject or reduce your claim. cacel the policy ad/or treat it as though it ever existed, or do both of the above. Whe you advise of ay permaet or temporary chages to your policy durig the period of isurace, or request duplicate documets, a premium adjustmet charge of 10 plus Isurace Premium Tax will be made i additio to ay other chage i premium to cover our admiistratio costs. This charge is i additio to ay admiistratio fees charged by your broker. If your chage i circumstaces meas that we ca o loger provide cover, we or your broker will give you otice of cacellatio. See sectio Cacellig your policy (outside the coolig-off right). Documet of car isurace 17

20 SECTION 1 ACCIDENTAL DAMAGE What is covered: If your car is damaged by accidet, vadalism or malicious damage, icludig stadard accessories o it or kept i your private garage, we may either; pay the cost of repairs to your car; or replace what is lost or damaged; or make a cash paymet for o more tha the market value of your car at the time of the damage. Widscree ad widows What is covered: Damage to the car s widscree, widows ad glass su roof. If this is the oly damage you are claimig for, your No Claims Discout will ot be affected. The schedule shows the maximum amout we will pay: i ay oe period of isurace if the widscree, widows or glass suroof is replaced or repaired by Autoglass (Telephoe ) or i ay oe period of isurace if ay other supplier carries out the repair or replacemet. What is ot covered damaged roof paels icludig damage to ay part of a covertible hood, lights or reflectors, eve if they are made of glass. extra costs for the work to be udertake outside ormal hours, uless the widscree is shattered, or the driver s visio or the security of the isured car, is affected. the excess show o the schedule. (The excess must be paid direct to the repairer or replacemet compay). 18 Documet of car isurace

21 SECTION 2 FIRE AND THEFT What is covered: If your car is lost or damaged by fire, lightig, explosio, theft or attempted theft, icludig stadard accessories o it or kept i your private garage, we may either: pay the cost of repairs to your car; or replace what is lost or damaged; or make a cash paymet for o more tha the market value of your car at the time of the damage. Documet of car isurace 19

22 WHAT IS NOT COVERED UNDER SECTIONS 1 AND 2 We will ot pay for the followig: 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 or breakdows or breakages. damage to tyres caused by brakig, puctures, cuts or bursts. ay additioal damage resultig from the isured car beig moved by you after a accidet, fire or theft more tha the maufacturer s latest list price i the Uited Kigdom of ay part or accessory. If such a list price is ot available the most we will pay is the maufacturer s latest list price i the Uited Kigdom for a equivalet part or accessory. additioal storage costs caused by the uavailability of ay part or accessory or the cost of importig ay part or accessory ito the Uited Kigdom. loss or damage to your car caused directly by pressure waves from aircraft ad other aerial devices travellig at soic or supersoic speeds. loss of use of your car or ay other idirect loss, such as travel expeses or loss of earigs. loss or damage to your car by theft or attempted theft if your car has bee left ulocked. loss or damage to your car by theft or attempted theft if the igitio key or other igitio device is left i, o or attached to or left i the immediate proximity of your car. loss or damage to your car by theft or attempted theft if the egie has bee left ruig. loss or damage to your car by theft or attempted theft, if we have advised that your vehicle must have a trackig device which is operative ad activated, ad ay service cotract relatig to the trackig device is curret ad valid. loss or damage to your car by theft or attempted theft if the isured car has bee left with a widow or roof ope. 20 Documet of car isurace

23 WHAT IS NOT COVERED UNDER SECTIONS 1 AND 2 CONTINUED loss of or damage to your car caused by deceptio, fraud or trickery, icludig whe you are offerig your car for sale. where your car is drive or used without your permissio by a member of your family or household uless you report the perso to the police for takig your car without your coset. loss of or damage to your car as a result of it beig cofiscated or destroyed by or uder official order of ay govermet, public or local authority. deliberate damage caused to your car by ay perso isured uder your policy. loss from your car beig take ad retured to its rightful ower. loss of or damage to ay trailer or carava whether or ot it is beig towed by or attached to your car. damage caused by frost, uless you have take care to stop the damage happeig ad have followed the maufacturer s istructios to avoid liquid freezig i your car. If your car belogs to someoe else, or is uder a hire purchase or leasig agreemet, we may pay the legal ower. Documet of car isurace 21

24 BASIS OF SETTLEMENT SECTIONS 1 AND 2 Repairs If this isurace covers the loss or damage ad the cost will ot exceed the market value of your car: we will pay for the ecessary or emergecy repairs to protect your car from further loss or damage. you may arrage ecessary repairs to be started if you sed a estimate first ad we have details of the cause of the damage; ad we will also pay the cost of removig your car to the earest competet repairer ad after repair returig it to the address show o your schedule. (We will ot pay the cost of ay trasport outside the territorial limits uless we agree to do so first). We may use parts or accessories which are ot made or supplied by your car s maufacturer but are of similar type ad quality to the parts ad accessories we are replacig. New car replacemet If, withi oe year of you buyig the isured car from ew ad you were the first registered ower, it is: damaged so that repairs will cost more tha 60% of its list price icludig taxes whe the damage happeed; or stole ad ot recovered; we will replace your car with a ew car of the same make, model ad specificatio if it is available i the Uited Kigdom. If a replacemet car is ot immediately available i the UK, ew car replacemet will ot apply ad we will pay you the market value of your car ad its fitted accessories ad spare parts at the time of the loss or damage. The lost or damaged car will the become our property. I-car etertaimet, telephoe ad satellite avigatio equipmet We will pay for the loss or damage to audio, telephoe, i-car etertaimet, ad satellite avigatio equipmet if permaetly fitted to your car. If the equipmet is ot part of the car maufacturer s origial specificatio we will pay up to Documet of car isurace

25 BASIS OF SETTLEMENT SECTIONS 1 AND 2 CONTINUED Replacemet of locks ad keys If this isurace covers the loss or damage, we will pay for all the locks to be replaced if oe or more is damaged. If your car keys, lock trasmitter or etry card are lost or stole we will pay for replacemet locks ad keys providig they were ot left i or o your car while it was uatteded. Child car seats If you have a child car seat i your car ad your car is ivolved i a accidet that results i impact damage to your car, we will replace the child seat with a ew oe of the same quality. Excesses that apply If your schedule shows that you have to pay a excess, you must pay the first part of ay claim. If this amout is paid i error by us you must refud the amout immediately o request. Temporary replacemet car We will pay for a temporary replacemet car if this cover is show o your schedule. We will oly provide a temporary replacemet car: after loss or damage covered by this isurace, if we maage your claim, if you use our Selected Repairer Service ad; while repairs to your car are beig carried out. Temporary replacemet cars are usually small hatchbacks uder 1200cc. We will isure the temporary replacemet car uder this isurace i exactly the same way as we isure your car ad you will oly have to pay for the fuel used. You must retur the temporary replacemet car whe the ower or we ask you to or if this isurace expires ad you do ot reew it. Documet of car isurace 23

26 SECTION 3 LIABILITY TO OTHER PEOPLE What is covered: We will pay all sums you are legally resposible for: followig death of or bodily ijury to other people; up to 20,000,000 for damage to property. This amout is iclusive of all costs ad expeses up to 5,000,000: as a result of ay accidet ivolvig your car or ay other vehicle your certificate of motor isurace allows you to drive. Drivig Other Cars If your certificate of motor isurace says so, you are isured uder this sectio to drive a private motor car ot owed by you ad ot hired to you uder a hire purchase or leasig agreemet, as log as: the car has ot bee hired to you uder a car retal agreemet; the car is ot a va which has bee adapted to carry passegers; you have the ower s permissio to drive the car; the car is registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; you are ot covered by ay other isurace to drive it; you still have your car ad it has ot bee damaged beyod cost effective repair; you do ot use it to secure the release of ay private motor car which has bee seized or cofiscated by or o behalf of ay govermet or public authority; ad there is a curret ad valid policy of isurace i force for the vehicle beig drive uder this sectio. Cover uder this sectio is restricted to Third Party Oly. Other people I the same way as you are isured, we will isure: ay perso drivig or usig your car with your permissio, as log as this is allowed by your schedule ad certificate of motor isurace; ay passeger travellig i or gettig ito or out of your car; 24 Documet of car isurace

27 SECTION 3 LIABILITY TO OTHER PEOPLE CONTINUED the employer or busiess parter of ay perso who is drivig or usig your car for their busiess, as log as this is allowed by your schedule ad certificate of motor isurace; ad the legal represetative of ay perso who has died who would have bee etitled to protectio uder this sectio. Legal costs We will pay ay legal costs ad expeses that you icur with our prior writte coset, icludig: solicitors fees for represetatio at a coroer s iquest, fatal accidet iquiry or court of summary jurisdictio; ad defece of ay legal proceedigs that are take for maslaughter or causig death by careless, dagerous or reckless drivig. I assessig whether legal costs ad expeses are reasoable the followig will be cosidered; the level of experiece required of the legal represetative takig ito accout the ature of the case. the level of costs charged by the legal represetative. whether legal represetatio for a defece of prosecutio is likely to affect the outcome. We may, at ay time, stop payig the legal costs. Emergecy treatmet charges We will pay for emergecy treatmet charges as required uder the Road Traffic Acts. If this is the oly paymet we make, it will ot affect your o claim discout etitlemet. What is ot covered We will ot pay for: 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 the employee is a passeger i ay vehicle for which isurace is provided by this sectio; legal resposibility which is covered by ay other isurace; Documet of car isurace 25

28 SECTION 3 LIABILITY TO OTHER PEOPLE CONTINUED loss of or damage to ay car which is covered by this sectio; loss of or damage to ay trailer, carava or vehicle (ad their cotets) while beig towed by or attached to ay car which is covered by this sectio; loss of or damage to ay property which belogs to or is i the care of ay perso who is 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 we have to meet the requiremets of the Road Traffic Acts; 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. SECTION 4 USE BY THE MOTOR TRADE, HOTELS AND CAR PARKS We will give you the cover uder Sectio 1 Accidetal damage ad Sectio 2 Fire ad theft, if show as operative o your schedule, but will ot apply ay drivig ad use restrictios or ay excess while your car is i the custody ad cotrol of: a member of the motor trade for service ad repair; or a hotel, restaurat, car park or similar commercial orgaisatio for parkig purposes. 26 Documet of car isurace

29 SECTION 5 FOREIGN USE Your isurace provides the miimum compulsory isurace i: Europea Uio (EU) coutries; ad ay other coutry which has agreed to follow EU directives o compulsory motor isurace ad is approved by the Commissio of the Europea Uio; icludig whe your car is beig trasported withi ad betwee them. These coutries are show o your schedule As well as this miimum cover, your isurace also gives the cover show o your schedule i these coutries if your car is: registered ad ormally kept i Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads; ad ot used abroad for more tha 90 days i ay oe aual isurace period; If you wat to use your car i these coutries for more tha 90 days i ay oe aual isurace period you must obtai our prior permissio ad pay ay extra premiums. The EU coutries ad the other coutries metioed above which follow EU directives ad have bee approved by the Commissio of the EU, agree that a Gree Card is ot ecessary for travellig betwee them. Your certificate of motor isurace is proof of compulsory motor isurace i these coutries. If you wat to use your car i coutries that are ot show o your schedule the as log as we give you our prior permissio, ad you pay ay extra premiums, we will exted the full beefits of this isurace to apply: i the coutries we have agreed, icludig whe your car is beig trasported; ad for the period agreed. We or your broker will sed you a Gree Card as proof of your isurace upo request. The Gree Card will show the coutries we have agreed to exted this isurace to ad the period for which we are providig this extesio. If your car is lost or damaged i ay foreig coutry that we have agreed to give cover for, you may be charged customs duty. If we cover the loss of or damage to your car, we will also refud you the customs duty. Documet of car isurace 27

30 SECTION 6 PERSONAL ACCIDENT BENEFITS What is covered We will pay the amout show o your schedule if you or your husbad or wife or civil parter are accidetally ijured i ay car or gettig ito or out of ay car, ad withi 90 days, idepedetly of ay other cause, the ijury results i: death; permaet loss of ay limb above the wrist or akle; or complete ad irrecoverable loss of sight i oe or both eyes. We will pay the ijured perso or their legal represetative. What is ot covered We will ot pay: ayoe failig to wear a seat belt whe required by law more tha the amout show o your schedule durig ay oe period of isurace for ay oe perso; uder more tha oe motor isurace you or your husbad or wife or civil parter have with us; for ay ijury or death resultig from suicide or attempted suicide; or if the driver of the car is covicted of a alcohol or drugs related offece as a result of the accidet; if at the time of the accidet the driver of the car is uder the ifluece of alcohol, drugs or ay other substace ad this is a offece uder the drivig laws of the coutry i which the accidet happeed. 28 Documet of car isurace

31 SECTION 7 MEDICAL EXPENSES AND PHYSICAL ASSAULT BENEFITS Medical expeses We will pay up to the amout show o your schedule for each perso for ay medical expeses resultig from a accidet while travellig i your car. Physical assault beefits Road rage We will pay the amout show o your schedule if you or your husbad or wife or civil parter are physically assaulted as a result of your car beig i a accidet. We will pay the ijured perso or their legal represetative. What is ot covered We will ot pay whe the icidet: is caused by a relative or a perso kow to you or your husbad or wife or civil parter; is ot reported to the police as soo as possible; happes outside Great Britai, Norther Irelad, the Republic of Irelad, the Isle of Ma or the Chael Islads; or is caused or cotributed to, by aythig said or doe by you or your husbad or wife or civil parter or by a passeger i your car, after the accidet. Car jackig We will pay the amout show o your schedule if you or your husbad or wife or civil parter are physically assaulted as a result of your car beig subjected to a aggravated theft or attempted aggravated theft. We will pay the ijured perso or their legal represetative. What is ot covered We will ot pay whe the icidet: is caused by a relative or a perso kow to you or your husbad or wife or civil parter; is ot reported to the police as soo as possible; or happes outside Great Britai, Norther Irelad, the Republic of Irelad, the Isle of Ma or the Chael Islads. Documet of car isurace 29

32 SECTION 8 PERSONAL BELONGINGS What is covered We will pay up to the amout show o your schedule for persoal belogigs i your car if lost or damaged due to accidet, fire, theft or attempted theft. What is ot covered We will ot pay for: the theft or attempted theft of persoal belogigs, if your car has bee left ulocked, left with the keys i or o your car, or left with a widow or roof ope; the theft of persoal belogigs uless kept out of sight i the locked boot or other eclosed storage compartmet of your car; moey, stamps, tickets, documets or securities; goods, tools, samples or equipmet carried i coectio with ay trade or busiess; or property covered uder ay other isurace. 30 Documet of car isurace

33 SECTION 9 NO CLAIMS DISCOUNT AND PROTECTED NO CLAIMS DISCOUNT If o claim is made, we will apply the premium discout i lie with our o claim discout scale curret at the time of reewal. If a claim is made, your o claim discout etitlemet will be reduced i lie with our o claim discout scale curret at the time of reewal. Your o claim discout will ot be affected if we oly pay emergecy treatmet charges uder the Road Traffic Acts or if your claim is oly for repair or replacemet of widows or suroof. You caot trasfer your o claim discout to ayoe else. If more tha oe car is isured, the o claim discout is eared separately for each car. You may ask us for iformatio o how a claim may affect your o claim discout. No Claim Discout Step Back Table Fault Claims i The Last Year: Last Years NCD Amout: This Years NCD or more Documet of car isurace 31

34 SECTION 9 NO CLAIMS DISCOUNT AND PROTECTED NO CLAIMS DISCOUNT CONTINUED Protected No Claims Discout If you have a protected No Claims Discout (as show o the schedule) we will ot reduce the Discout if you ad/or ayoe amed o this policy have ot had two or more claims o this or ay other policy i total i ay five cosecutive years of isurace. If you ad/or ayoe amed o this policy have had two or more claims o this or ay other policy, the No Claim Discout Protectio will be removed at the ext reewal date ad the umber of years o claims discout will be reduced i accordace with the table show below. No claims discout protectio does ot protect the overall price of your isurace policy. Protected No Claim Discout Step Back Table Fault Claims i The Last Year: Last Years NCD Amout: This Years NCD or more Documet of car isurace

35 SECTION 10 GENERAL EXCEPTIONS 1 Chage of car otificatio ad acceptace This isurace will ot apply uless: you have give your broker details of your replacemet car; ad your broker has issued a ew certificate of motor isurace. 2 Drivig ad use This isurace will ot apply if ay vehicle your Certificate of motor isurace allows you to drive was beig drive or used: other tha i lie with your Certificate of motor isurace; by ay perso ot described o your Certificate of motor isurace as a perso who is etitled to drive; by ay perso who is disqualified from holdig or obtaiig a licece or does ot have a drivig licece which is valid i the territory where the icidet happeed; by ayoe perso who does ot meet the terms ad coditios of their drivig licece as required by DVLA / DVANI rules ad regulatios ad ay relevat law; for hire or reward, racig, pacemakig, testig, trials, de-restricted toll road (icludig Nurburgrig), rallies or track days, 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; for towig for reward a carava, trailer or mechaically disabled vehicle; for towig more tha oe carava, trailer or mechaically disabled vehicle at ay oe time; by ayoe who does ot meet all the coditios described i the edorsemets o your schedule ad all the geeral coditios i this policy. 3 Cotractual liability We will ot make a paymet for ay liability resultig oly from a cotract or agreemet you have with aother party. Documet of car isurace 33

36 SECTION 10 GENERAL EXCEPTIONS CONTINUED 4 Radioactivity We will ot pay for direct or idirect loss, damage or liability caused by, cotributed to or arisig from: ioisig radiatios or cotamiatio by radioactivity from ay uclear fuel or from ay uclear waste from the combustio of uclear fuel; or the radioactive, toxic, explosive or other hazardous properties of ay explosive uclear assembly or uclear compoet of this type of assembly. 5 Earthquake, war, terrorism, riot, civil urest We will ot make a paymet i the evet of: earthquake; war, civil war, terrorism, rebellio or revolutio except whe we have to meet the requiremets of the Road Traffic Acts; or riot or civil urest that happes outside Great Britai, Norther Irelad, the Isle of Ma or the Chael Islads. 6 Misrepresetatio 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: agree to amed your policy to record the correct iformatio, apply ay relevat policy terms ad coditios ad collect ay additioal premium due icludig ay premium adjustmet charge to cover our admiistratio costs; reject a claim or reduce the amout of paymet we make; 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 premium charge. 34 Documet of car isurace

37 SECTION 10 GENERAL EXCEPTIONS CONTINUED Where fraud is idetified we will: ot retur ay premium paid by you. recover from you ay costs we ve icurred. pass details to fraud prevetio ad law eforcemet agecies who may access ad use this iformatio. Other isurers may also access this iformatio. 7 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 premium 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; pass details to fraud prevetio ad law eforcemet agecies who may access ad use this iformatio. Other isurers may also access this iformatio. 8 Pollutio We will ot make a paymet for ay accidet, ijury, damage, loss or liability caused by pollutio or cotamiatio, uless the pollutio or cotamiatio is caused by a sudde, idetifiable ad uexpected icidet ad it occurs etirely at a specific time ad place durig the period of isurace. 9 Deliberate Acts Ay death, ijury, loss or damage caused directly or idirectly as a result of ay deliberate act by you or ay perso drivig the isured car. Documet of car isurace 35

38 SECTION 11 GENERAL CONDITIONS 1 Duty ad revealig iformatio We will oly provide cover uder this isurace if: you or ay other perso claimig uder this isurace has met all the terms ad coditios that apply; ad the iformatio you gave to us whe applyig for or reewig this isurace, is true as far as you kow. You must: have asked all the other drivers covered by this isurace ay relevat questios to obtai the iformatio about them requested by us; tell us as soo as possible about ay chages, which have happeed sice the isurace started or was last reewed. tell us if your vehicle has bee altered or modified after maufacture. Failure to do so may ivalidate this isurace. We will be etitled to examie your drivig licece ad the drivig licece of ay other perso we isure. You must immediately sed to us ay drivig licece we ask to see. 2 Care of your car You or ay perso i charge of your car must take precautios to: maitai your car i a efficiet ad roadworthy coditio; ad protect your car from damage or loss. You must have a valid Departmet for Trasport Test Certificate (MOT) for your car if oe is eeded by law. You must give us reasoable access to examie your car. 36 Documet of car isurace

39 SECTION 11 GENERAL CONDITIONS CONTINUED 3 Accidet ad claims procedure You or ay other perso claimig uder this isurace must: give us full details of ay icidet as soo as possible; iform the police as soo as possible if your car or its cotets are stole ad provide us with the crime referece umber; sed to us immediately all commuicatios from other people ivolved which must ot have bee replied to; immediately tell us of ad sed to us ay otice of iteded prosecutio, iquest, fatal iquiry or ay writ, summos or process which must ot have bee replied to; ad give us all the iformatio ad help we eed. You must ot, without our coset: egotiate or admit resposibility; or make ay offer, promise or paymet. We will be 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. 4 Other isuraces If ay loss, damage or liability covered by this isurace is also covered by ay other isurace, we will oly pay our share. This coditio does ot apply to Sectio 6 Persoal accidet beefits. 5 Compulsory isurace laws If uder the law of ay coutry we must make a paymet which we would ot otherwise have to make, you must repay that amout to us. Documet of car isurace 37

40 USEFUL INFORMATION How to complai If you have a complait about your policy or the service you have received, please cotact the broker that arraged it. If they are uable to resolve your complait you may refer your complait to the Fiacial Ombudsma Service withi six moths of receivig their fial respose letter. Should you be uhappy with the service provided by ABC please cotact us by phoe o (Text Phoe user? Text Phoe users i the UK ca cotact us by diallig first. Text phoe users cotactig us from outside of the UK should call ad give the relay assistat the umber you eed to call. Opeig hours Mo-Fri 9am-5pm). If you prefer to write, please address your letter to ABC Isurace, 69 Park Lae, Croydo, Surrey, CR9 1BG. customercare@abcisurace.co.uk. Whe cotactig us please esure you quote your policy or claim umber as appropriate. A copy of ABC s complait hadlig procedure is available o request. If we caot resolve your complait, you may refer your complait to the Fiacial Ombudsma Service withi six moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, Exchage Tower, Lodo, E14 9SR. Telephoe: or (from mobile or o BT lies) complait.ifo@fiacial-ombudsma.org.uk Website at Makig a complait will ot affect your right to take legal actio. 38 Documet of car isurace

41 USEFUL INFORMATION CONTINUED Compesatio What happes if we are uable to meet our liabilities? If we are uable to meet our liabilities to our policyholders, you may be able to claim compesatio 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, is covered for 100% of the claim. No compulsory isurace, such as home isurace, is covered for 90% of the claim. You ca get further iformatio from the Fiacial Services Compesatio Scheme. 10th Floor, Beaufort House, 15 St Botolph Street, Lodo, EC3A 7QU. Telephoe or or , equiries@fscs.org Documet of car isurace 39

42 MAKING A CLAIM If you are ivolved i a accidet or your vehicle is stole call us first o as soo as possible after the icidet has occurred. Assistace is available o this umber 24 hours a day. You will eed to provide us with the followig iformatio: your policy/certificate umber; your persoal details ad those of the driver; the date, time, locatio ad full circumstaces of the icidet; details of ay other persos, vehicles or property ivolved i the icidet; details of ay ijuries sustaied i the icidet; if you are reportig the theft of your vehicle ay crime referece give to you by the police whe you reported the theft to them. If your car eeds to be repaired (ad the damage is covered by this policy) we have a atiowide etwork of selected repairers who ca arrage to start work o your car with the miimum of delay. Whe you first report the icidet to us we will help you to arrage the repair of your car by oe of our selected repairers, icludig collectio ad redelivery to your home if required. If you have a Comprehesive policy ad eed the use of a car while your ow is udergoig repair by oe of our selected repairers we will provide you with a temporary replacemet car full details ca be foud i the Temporary replacemet car sectio of this policy (Basis of settlemet Sectios 1 ad 2). Whe repairs are completed arragemets will be made for you to collect your car (or for the car to be redelivered to your home). Whe you collect the car you will eed to pay the repairer ay policy excess or cotributio which may be applicable. These will be cofirmed to you before repairs are completed. Selected repairers have bee chose by us to provide both a high stadard of service ad quality repair work. Repairs are guarateed for as log as you ow the car or 5 years whichever is the shorter. If your car ca ot be repaired we will deal with the damage o a total loss basis. I these circumstaces a temporary replacemet car will ot be provided. 40 Documet of car isurace

43 MAKING A CLAIM CONTINUED If the icidet relates solely to breakage of the widscree or widows i your car please call our approved supplier Autoglass o If you have a Comprehesive policy all you will have to pay is the amout of ay policy excess that may apply. Repairig the glass rather tha replacig it will mea you will ot have to pay ay excess please ask about repair whe cotactig Autoglass. If you do ot have a Comprehesive policy you may still use this umber to cotact Autoglass but you will be resposible for payig the costs i full ad you will ot be able to recover the cost from us. You will, however, beefit from discouts available to you from Autoglass. Need to make a claim? Follow these simple steps 1. Call us as soo as possible after the icidet. 2. Give us as much iformatio about the icidet as you ca. 3. If possible, speak to us before you make ay arragemets for replacemet or repair. 4. Do t forget to tell the police if your car is stole. Call us first o: Accidets, thefts ad widscree/glass damage Documet of car isurace 41

44 If there is a accidet, theft or widscree/ glass damage, rig us o ABC ad ABC isurace are registered trade marks ad 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: /18