Certificate of Motor Insurance

Transcription

1 Certificate of Motor Insurance 1. Description of vehicle(s) Policy number Any motor vehicle the property of, or on hire or loan or lease to the policyholder. 2. Name of policyholder Purewal Global Ltd, OMC Global Ltd & OMC Chauffer Ltd 3. Effective date and time of the commencement of insurance for the purpose of the relevant law 01 July :01 4. Date of expiry of insurance 30 June Persons or classes of persons entitled to drive Any person who is driving on the order or with the permission of the policyholder. Providing that the person driving has a licence to drive the vehicle or has held and is not disqualified from or prohibited by law from holding or obtaining such a licence. 6. Limitations as to use Use for social, domestic and pleasure purposes and use for the business of the policyholder, including the carriage of passengers for hire or reward. Unless specified under section 6 of this certificate of insurance, this policy does not cover: use for hiring, the letting on hire, the carriage of passengers and goods for hire or reward, racing, pacemaking, use in any contest, reliability or speed trial or the use for any purpose in connection with the motor trade. I hereby certify that the policy to which this certificate of insurance relates satisfies the requirements of the relevant law applicable in Great Britain, Northern Ireland, Isle of Man and the Islands of Guernsey, Jersey and Alderney. For and on behalf of the Underwriter subscribing ERS, Leadenhall Street, London, EC3A 2BJ Authorised Insurer Mark Bacon Active Underwriter Advice to third parties - Nothing contained in this certificate of insurance affects your rights as a third party to make a claim. Note: For full details of the insurance cover reference should be made to the policy document, which can be obtained from your broker or via our website at ERSCERT1215 Certificate of Insurance Page 1 of 2

2 This page forms part of your certificate of insurance European cover This certificate of motor insurance is evidence that this insurance meets the compulsory motor insurance requirements of all member countries of the European Union and Andorra, Iceland, Norway, Serbia and Switzerland (including Liechtenstein). Ce certificat d'assurance automobile est une preuve que cette assurance est conforme aux exigences de l'assurance automobile obligatoire de tous les pays membres de l'union européenne et l'andorre, l'islande, la Norvège, la Serbie et la Suisse (y compris le Liechtenstein). Dieses Zertifikat der Kfz-Versicherung ist ein Beweis, dass diese Versicherung die Kfz Haftpflichtversicherungs anforderungen von allen Mitgliedsländern der Europäischen Union und Andorra, Island, Norwegen, Serbien und der Schweiz (einschließlich Liechtenstein) erfüllt. Este certificado de seguro de automóviles es evidencia de que este seguro cumpla con los requisitos de seguro obligatorio de automóviles de todos los países miembros de la Unión Europea y Andorra, Islandia, Noruega, Serbia y Suiza (incluido Liechtenstein). Questo certificato di assicurazione auto è la prova che questa assicurazione soddisfa i requisiti di assicurazione obbligatoria degli autoveicoli di tutti i paesi membri dell'unione europea e Andorra, Islanda, Norvegia, Serbia e Svizzera (compreso il Liechtenstein). ERSCERT1215 Certificate of Insurance Page 2 of 2

3 Notice To Policyholder As part of our ongoing strategy to improve our products we have refreshed our Fleetsure insurance policy document. Significant changes made are shown below but we would also recommend that you read your new policy document in full to ensure it provides you with the cover required. POLICIES RENEWED ON OR AFTER 01/02/2017 Information regarding courtesy car added to Repairs sub section Wear and tear exception added to Personal Belongings section General Conditions and General Exceptions have been re-formatted with clear information / requirements and benefits concerning claims handling. New General Exceptions -- Criminal Acts / Deliberate Acts Kind Regards Mark Bacon Active Underwriter ERS Syndicate 218 at Lloyd s is managed by ERS Syndicate Management Limited (company no ), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no ). ERS Syndicate Management Limited is registered in England and Wales with its registered address at Leadenhall Street, London, EC3A 2BJ. NTP FS 0217 Notice to policy holders - Page 1 of 1

4 Fleetsure Renewal Schedule Policy number Broker agency number 3165 Scheme 6915 Policy details Policyholder Purewal Global Ltd, OMC Global Ltd & OMC Chauffer Ltd Address Transit House, Unit 19, Bankside, Kidlington, OX5 1JE Commencement date and time 01 July :01 Expiry date 30 June 2018 Reason for issue Renewal acceptance Declaration Frequency quarterly Premium Premium (excluding IPT) 19, IPT 2, Total premium due 21, Vehicle details Vehicle type Numbers Registration number CC GVW No. of seats Cover Class of use Annual rate per vehicle (excl. IPT) Coach 2 ALL 22 Comprehensive Contract Hire 2, Coach 2 ALL 35 Comprehensive Private Hire 2, Minibus 6 ALL 17 Comprehensive Private Hire 1, Private Car 1 LJ63LSL 2993 Comprehensive Class 2 Business 1, Private Car 1 SC17OMC 4367 Comprehensive Class 2 Business 1, Private Car 1 SC66OMC 2993 Comprehensive Class 2 Business 1, Permitted drivers Vehicle type Registration No. of CC GVW number seats Driver restrictions Coach ALL 22 Any Driver - Excluding Drivers Under 21 Coach ALL 35 Any Driver - Excluding Drivers Under 21 Minibus ALL 17 Any Driver - Excluding Drivers Under 21 Private Car LJ63LSL 2993 Any Driver - Excluding Drivers Under 25 Private Car SC17OMC 4367 Any Driver - Excluding Drivers Under 25 Private Car SC66OMC 2993 Any Driver - Excluding Drivers Under 25 Vehicle excess details An excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident. However, there may be additional excess terms applied highlighted below in Additional excesses for young or inexperienced drivers, or shown in the attached Schedule of Endorsements. Vehicle type Registration number CC GVW No. of seats Excesses Accidental damage Fire & theft Windscreen Coach ALL Coach ALL Minibus ALL Private Car LJ63LSL Private Car SC17OMC Private Car SC66OMC ERS Syndicate 218 at Lloyd s is managed by ERS Syndicate Management Limited (company no ), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no ). ERS Syndicate Management Limited is registered in England and Wales with its registered address at Leadenhall Street, London, EC3A 2BJ. SCHED1215 Policy Schedule - Page 1 of 2

5 Policy wordings: Please go to the web page to view the policy wording by selecting documents from the menu. SCHED1215 Policy Schedule - Page 2 of 2

6 Fleetsure Schedule of Endorsements Policy number Effective date and time 01 July :01 ENDORSEMENTS APPLICABLE Where a value is shown below, this refers to information relevant to an endorsement such as, but not restricted to, an excess amount, driver or security device. ENDORSEMENTS APPLICABLE TO SPECIFIC VEHICLES Registration number Endorsement number Description Value Specified driver(s) All vehicles 001 Damage, fire and theft excess 500 All vehicles 161 Glass damage excess 75 All vehicles E57 Tracker warranty (private car) All vehicles Z03 Driving exclusions for under 21s All vehicles 530 Legal expenses insurance SC17OMC E57 Tracker warranty (private car) ENDORSEMENT APPENDIX Damage, fire and theft excess We will not pay the first amount shown in the schedule for any claim under section 2 of your policy document. This endorsement will not apply to claims made for windscreen damage only, and the amount shown is on top of any other amount which you may have to pay under this insurance Glass damage excess We will not pay the first amount shown against this endorsement for any claim under the windscreen section in section 2 of your policy document. E57 - Tracker warranty (private car) We will not pay for any theft claim under Section 2 - loss of or damage to your vehicle relating to any private car with a market value above the amount stated against this endorsement number in the schedule, unless a tracker device is fitted to the vehicle and is activated and operational at all times when the vehicle is left unattended. Z03 - Driving exclusions for under 21s We will not provide any cover while your vehicle is being driven by, or is in the charge of, any person under the age of 21 years of age Legal expenses insurance This insurance is extended to cover legal costs and expenses incurred in the recovery of uninsured losses or compensation for death or personal injuries, arising from an occurrence covered under this insurance. Definitions You, your - the person named as 'the insured' in the schedule and any driver or passenger with the permission of the insured. Administrator Connexus Claims Solutions Ltd, 850 Ibis Court Lakeside Drive Centre Park Warrington ERS Syndicate 218 at Lloyd s is managed by ERS Syndicate Management Limited (company no ), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no ). ERS Syndicate Management Limited is registered in England and Wales with its registered address at Leadenhall Street, London, EC3A 2BJ. MVS1215 Endorsement schedule - Page 1 of 3

7 WA1 1RL Appointed representative - a solicitor or any other qualified consultant appointed by you or the Administrator following notification of a claim. Legal costs and expenses - unrecovered fees, costs and disbursements reasonably incurred by the Administrator or appointed representative and opponents costs of any civil proceedings for which you may be liable by order of the court or by agreement with the consent of the Administrator. You must not investigate any event or claim without written advice from the Administrator. You must comply with all requests made by the Administrator and appointed representative for instructions, information, documents, attendance at meetings or court. If you fail to do so, we will discontinue the claim and any legal action and you will be responsible for all costs and expenses incurred. If you withdraw from, negotiate, commence or discontinue a claim or legal proceedings without prior written consent from the Administrator, you will also be responsible for all costs and expenses. The appointed representative must at all times take instruction from, report to and supply information and documents to the Administrator. The Administrator will have direct access to the appointed representative and must be kept fully informed of all material developments. If the Administrator believes that a claim has no reasonable prospect of success, we reserve the right to decline to pursue the matter or discontinue any claim or legal action. If you are awarded costs, you must use these to repay the amount we have paid out on your behalf in connection with the proceedings. However, we will pay all legal costs and expenses up to the limit of this section when no costs or compensation are awarded. If the legal costs and expenses are greater than the amount you are awarded for the legal costs and expenses, we will pay the excess amount up to the limit of 50,000. You must ensure that every step is taken to recover legal costs and expenses which have been paid out under this insurance. Settling claims: We will pay up to 50,000 in total for any one accident or occurrence which shall be deemed to include a series of accidents or occurrences in connection with or arising out of one event. Specific conditions 1) You must tell us about any other legal expense insurance which you may have to cover the same loss. 2) The Administrator will have complete control over the legal proceedings. We will not be bound by any promises given by you without the Administrator's approval. 3) If you do not accept any solicitor appointed by the Administrator, we will ask the Law Society to name another solicitor who both you and the Administrator agree to. During this time, the Administrator may appoint a solicitor to act on your behalf, to protect your interests. Specific exclusions We will not pay legal costs and expenses for the following circumstances: 1) Where the Administrator considers that you will not get a reasonable settlement or where any expected settlement is small in relation to the time and expense involved. 2) If the Administrator has not agreed, in writing to the costs and expenses. 3) If we are not told of the claim within 180 days of the event causing it. 4) Claims which relate to fines and penalties awarded against you. 5) Claims involving disputes with us or our agents. 6) Claims involving actions carried out in order to fulfil a judgement or a legally- binding decision. 7) Claims which relate to an event which does not occur within the period of insurance. MVS1215 Endorsement schedule - Page 2 of 3

8 We will not pay the following: 8) Claims caused by, contributed to or arising from: (i) a contract or agreement entered into; (ii) a criminal or deliberate act by you; (iii) patents, copyrights and trademarks; or (iv) libel or slander or verbal injury. 9) Claims relating to faults in your vehicle or incomplete, incorrect service or repair of the vehicle. 10) Claims which relate to an appeal unless the Administrators has agreed to them before the appeal has started. 11) Travelling expenses or compensation for being absent from work. 12) Legal costs and expenses if you withdraw from legal proceedings without our agreement. 13) Any legal costs and expenses involved in an action in a small claims court. 14) Legal claims which are covered under a more specific insurance or if a claim has been refused by another insurance company. The general terms, conditions and exceptions of your insurance apply to this endorsement. MVS1215 Endorsement schedule - Page 3 of 3

9 ABOUT THIS DOCUMENT Please note that this policy summary does not contain the full terms and conditions of the contract of insurance, which can be found in your policy document. You can find your policy document at INSURER ERS (Syndicate 218 at Lloyd s) is managed by ERS Syndicate Management Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. (Registered number ). LANGUAGE AND LAW APPLYING TO THE INSURANCE This insurance is written in English and all communications about it will be in English. Unless we have agreed otherwise with you, English law will apply to this insurance. If you are a resident of (or, in the case of a business, the registered office or principal place of business is in) the Channel Islands or the Isle of Man at the start of the contract, the law of that area of jurisdiction will apply TYPE OF INSURANCE AND COVER ERS offers Comprehensive (COMP), Third Party, Fire and Theft (TPFT) and Third Party Only (TPO) Fleetsure insurance cover. SECTIONS APPLICABLE BY COVER Cover Comp TPFT TPO Section 1 Section 2 Accidental / Malicious Damage Fire / Flood / Theft / Vandalism / Windscreen Section 3 Section 4 Section 5 Section 6 Section 7 Section 8 Section 9 SPECIFIC FEATURES, BENEFITS AND SIGNIFICANT OR UNUSUAL EXCLUSIONS OR LIMITATIONS (BY SECTION) SECTION 1 LIABILITY TO OTHERS The most we will pay for third party property damage is: Private Cars 20,000,000 All other vehicle types (including private cars used for hire purposes) 5,000,000 Any vehicle carrying hazardous goods 1,200,000 Liability arising from an act of terrorism 1,200,000 We will also pay up to 5,000,000 for costs and expenses resulting from any property damage claim(s) that arise from one incident involving a private car covered by this insurance. The most we will pay for any prosecution awarded against you arising from breaking the Health and Safety at Work Act 1974, Health and Safety at Work (Northern Ireland) Order 1978 or Corporate Manslaughter and Corporate Homicide Act 2007 is 1,000,000. SECTION 2 LOSS OR DAMAGE TO YOUR VEHICLE You must pay an amount towards any claim that you may make under section 2 of the insurance. This amount is called the excess. More than one excess may apply to a claim, but details of all excesses, including windscreen, will be shown in section 2 of the insurance or in the policy schedule. We will pay up to 500 for audio, visual, communication, guidance or tracking equipment that was not part of the vehicle when it was originally manufactured. The cover extends to include a new vehicle replacement benefit in respect of a car or commercial vehicle with a gross vehicle weight of 7.5 tonnes or less, where the vehicle is less than one-year-old from buying it new and where any loss or damage to your insured vehicle will cost more than 50% of the manufacturer s recommended Retail Price of the vehicle to repair. We will not provide any cover for the loss of or damage to your vehicle or its contents by theft or attempted theft or an unauthorised person taking and driving it if it has been left unlocked, left with the keys in it, left with the windows open, left with the roof panel or the roof of a convertible vehicle open or reasonable precautions have not been taken to protect it. PSFS0217 Key Facts Document - Page 1 of 3

10 If your vehicle is damaged while a young or inexperienced driver (including you) is driving you will have to pay the following excesses (on top of the other amount that you must pay). Under 21 years of age. 300 Aged 21 to 24 years of age or over but who have not held a full EU driving licence for 12 months or more. SECTION 3 LOSS OF KEYS AND LOCK We will pay up to 1,000 for the loss of keys and lock replacement. 200 This benefit only applies if you let the police know about the loss as soon as it is discovered and the identity or garaging address of the vehicle would be known to any person who is in possession of your keys or lock transponder. SECTION 4 UNAUTHORISED USE If an employee uses a vehicle without your authority, we will provide cover for the vehicle but will not provide indemnity for the employee. SECTION 5 UNLICENSED DRIVERS We will provide cover for an unlicensed driver to drive a vehicle, provided a licence is not required by law. If a licence is required by law, we will only provide cover if the driver is old enough to obtain a licence for the vehicle. SECTION 6 MEDICAL EXPENSES We will pay up to 500 for each person for the medical expenses of anyone in your vehicle who is injured as the result of an accident involving your vehicle. SECTION 7 PERSONAL BELONGLINGS There is a 250 limit on personal belongings. This benefit does not apply to money, goods or samples connected with your business, property insured under any other contract or property that was not protected. SECTION 8 PERSONAL ACCIDENT Personal accident benefits are only given to the driver of an insured vehicle and are restricted to accidents resulting from travelling in, or getting into or out of the vehicle. We will pay up to 10,000 for death, the loss of any limb or permanent blindness in one or both eyes. The most we will pay in any one accident is 10,000. We will not pay any amount for death or injury arising from suicide, attempted suicide, a person not wearing a seatbelt (where they need to by law), or if a person is convicted of driving whilst under the influence of drink or drugs at the time of the accident. SECTION 9 FOREIGN USE The cover shown on the schedule applies to any member country of the European Union, Andorra, Iceland, Norway, Serbia and Switzerland (including Liechtenstein). This cover only applies to private cars and commercial vehicles. PSFS0217 Key Facts Document - Page 2 of 3

11 Suppress PERIOD OF INSURANCE The insurance offered is a 12-month contract which may be renewed each year. Renewal will be subject to the terms and conditions that apply at the time of renewal. CANCELLATION You may cancel the insurance at any time by informing us of your requirement to cancel the insurance. The charges that will apply are detailed in the General conditions section of the insurance document HOW TO CLAIM If a claim or possible claim occurs you must report it to us as soon as possible. Call our 24-hour helpline on If the claim is for a windscreen replacement or repair, call PREVENTING AND DETECTING FRAUD AND CLAIMS HISTORY If false or inaccurate information if provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering. Further details explaining how the information held by fraud prevention agencies are contained in your policy document. DISCLOSURE OF INFORMATION You must tell us immediately about any changes to the information you have already provided. Contact your broker if you are not sure if information is relevant. If you do not tell us about relevant changes, your insurance may not cover you fully, or at all. PSFS0217 Key Facts Document - Page 3 of 3 COMPLAINTS We aim to provide a first class service. If you have any reason to complain about your insurance policy, or us, the complaints procedure is as follows. The first step is to contact our dedicated complaint handling department who will review your case on behalf of our Chief Executive. The address is: ERS Governance Affairs, PO Box 3937, Swindon, SN4 4GW. Tel: complaints@ers.com If you are not satisfied with our response you may ask the Complaints department at Lloyd s to review your case. The address is: Complaints, Lloyd s, One Lime Street, London, EC3M 7HA. Tel: complaints@lloyds.com Website: If you are still not satisfied after contacting Lloyd s, you can refer your complaint to the Financial Ombudsman Service (FOS.) The address is The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Tel: complaint.info@financial-ombudsman.org.uk Website: This does not affect your right to take legal action. If you ask someone else to act on your behalf, we will require your written authority to allow us to deal with them FINANCIAL SERVICES COMPENSATION SCHEME (FSCS) If ERS is unable to meet its liabilities under this insurance, you may be entitled to compensation from the FSCS. A claim is protected for 90% without any upper limit. For compulsory types of insurance, the claim will be met in full. You can get further information about the compensation scheme arrangements from the FSCS. Information can be obtained on request, or by visiting the FSCS website at