Keep me safe Va Isurace Policy documet
WELCOME TO HIGHWAY INSURANCE Thak you for choosig Highway Va 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 Highway is part of LV=. Highway is a registered trademark ad Highway ad Highway Isurace are 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 www.highway-isurace.co.uk Documet of va isurace 1
CONTENTS Importat Iformatio How we use your persoal iformatio 3 How To Make A Complait 12 Defiitio of Terms ad Words Defiitios 14 Cotract of Motor Isurace Va 17 Cover ad Use 17 Coolig-off Cacellatio Right 18 Cacellig your Policy (Outside the Coolig-off Cacellatio Right) 18 Chages to your details 19 Sectio 1 Liability to others: Third Party Cover 22 Sectio 2 Fire ad Theft 25 Sectio 3 Accidetal Damage 27 Sectio 4 Widscree ad Widows 29 Sectio 5 Persoal Accidet, Persoal Belogigs, Tool Cover ad Medical Expeses 30 Sectio 6 Drivig Abroad 32 Sectio 7 No Claims Discout 34 Sectio 8 Lock Replacemet Lost ad Stole Key Cover 35 Sectio 9 Emergecy Travel ad Accommodatio 36 Claims Hadlig 37 Geeral Exclusios 41 Geeral Coditios 44 2 Documet of va isurace
IMPORTANT INFORMATION Please read this policy, the schedule (icludig ay edorsemets) ad the certificate of motor isurace very carefully. Together with the iformatio you gave us i the proposal form or statemet of fact, ad the declaratios that you have made, they form the cotract of motor isurace. You should pay particular attetio to the geeral exclusios, the geeral coditios ad ay edorsemets which apply. The words that appear i bold throughout this policy are defied o pages fourtee, fiftee ad sixtee ad have the same meaig wherever they appear. Please tell your isurace adviser immediately if you have ay questios, the cover does ot meet your eeds, or ay part of your isurace documetatio is icorrect. 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 Highway 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 email us at: GICustomerSupport@LV.com. You ca also cotact our Data Protectio Officer: Data Protectio Officer, LV= Couty Gates, Bouremouth, BH1 2NF or via email at dpo@lv.com. Documet of va isurace 3
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. 4 Documet of va isurace
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. Documet of va isurace 5
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). 6 Documet of va isurace
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). Documet of va isurace 7
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. 8 Documet of va isurace
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 Documet of va isurace 9
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. 10 Documet of va isurace
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 email 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 0303 123 1113 or visit ico.org.uk/cocers. Documet of va isurace 11
IMPORTANT INFORMATION CONTINUED How To Make A Complait If you have a complait about your policy or the service you have received, please cotact the broker, itermediary or aget 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 Highway please cotact us by phoe o 0800 028 9822 (For Text Phoe please dial 18001 first. Opeig hours Mo-Fri 9am-5pm). If you prefer to write, please address your letter to The Customer Care Departmet, LV= Bretwood, PO Box 9104, Frizzell House, Couty Gates, Bouremouth, BH1 9DB Email: customercare@highwayisurace.co.uk. Whe cotactig us please esure you quote your policy or claim umber as appropriate. 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 six moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, Exchage Tower, Lodo, E14 9SR. Telephoe 0800 023 4567 or 0300 123 9 123 (from mobile or o BT lies) Email complait.ifo@fiacial-ombudsma.org.uk Website at www.fiacial-ombudsma.org.uk. Makig a complait will ot affect your right to take legal actio. 12 Documet of va isurace
IMPORTANT INFORMATION CONTINUED Fiacial Services Compesatio Scheme 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 0207 741 4100 or e-mail, equiries@fscs.org.uk. Documet of va isurace 13
DEFINITION OF TERMS AND WORDS Defiitios The followig words or phrases have the same meaig wherever they appear ad are show i bold throughout this policy. Certificate of Motor Isurace Legal evidece of your isurace. It is oe part of the cotract of motor isurace. It shows the vehicles we are isurig, who may drive the isured vehicle (where ay authorised driver is stated, refer to the schedule for restrictios), what it may be used for ad the period of isurace. Cotract of Motor Isurace The policy, the schedule (icludig edorsemets), the certificate of motor isurace, the iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, all form the cotract of motor isurace. Edorsemets Somethig which alters your isurace cover. Your cover will be affected by ay edorsemet that is show o the schedule. (Such edorsemets may add exclusios to the cover or require you to take actio such as fittig approved security.) More tha oe edorsemet may apply. If you do ot comply with ay edorsemets, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. Excess The amout you have to pay towards each claim you make uder this cotract of motor isurace. There may be more tha oe excess, part of which may be volutary (where you have chose to take a excess to receive a discout o your premium). The amout of the excess is show o the schedule. Family or Household Ay member of the policyholder s family, or ay other perso, who is a permaet or temporary residet at the policyholder s address. Geeral Coditios These describe your resposibilities, geeral iformatio ad the procedures that apply i certai situatios, such as whe there is a claim or the cotract of motor isurace is cacelled. Geeral Exclusios These describe the thigs that are ot covered by the cotract of motor isurace. They are i additio to the exclusios show uder the headigs What is ot covered i each of the Sectios detailig the cover provided. 14 Documet of va isurace
DEFINITION OF TERMS AND WORDS CONTINUED Geographical Limits Great Britai, Norther Irelad, the Isle of Ma ad the Chael Islads. It also icludes travellig by sea, air or rail betwee these places. Sectio 6 explais the cover that applies whe drivig abroad. Highway Isurace The tradig ame of Highway Isurace Compay Limited. Highway Isurace Compay Limited A isurace compay, part of the Liverpool Victoria group of compaies, authorised by the Prudetial Regulatio Authority ad regulated by the Fiacial Coduct Authority ad the Prudetial Regulatio Authority. Isurace Adviser The perso or compay you purchased this isurace from. Isured Vehicle The vehicle(s) show o the curret schedule ad certificate of motor isurace. Market Value The cost at the date of the accidet or loss of replacig the isured vehicle, 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 vehicle, referrig to guides of vehicle values ad ay other relevat sources. I assessig the market value, you should cosider the amout that could reasoably have bee obtaied for the isured vehicle if you had sold it immediately before the accidet, loss or theft. Period of Isurace The legth of time covered by this cotract of motor isurace, as show o the curret schedule ad certificate of motor isurace. Persoal belogigs Certai property i the isured vehicle, which you wear or use i every day life which belogs to you or ayoe travellig i the isured vehicle. Sectio 5 of this policy sets out the cover ad limits which apply, ad the items of persoal belogigs which are ot icluded. Policy This booklet, 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. Proposal Form or Statemet of Fact The documets filled i by you, or o your behalf by a isurace adviser, or someoe else, ad all other iformatio you gave ad declaratios made at the time the isurace was arraged ad o which we have relied whe agreeig to offer this cotract of motor isurace. If you do ot give us the full iformatio requested at the start, ad tell us about chages, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. Documet of va isurace 15
DEFINITION OF TERMS AND WORDS CONTINUED Schedule Forms part of the cotract of motor isurace ad cofirms details of you, the isured vehicle(s) ad the cover which applies. It is oe part of the cotract of motor isurace. Stadard Accessories Accessories made available for the vehicle by the maufacturer as optioal extras ad for which a receipt must be provided. Stadard accessories do ot iclude modificatios to the isured vehicle or ay other accessory fitted to it ot provided by the vehicle maufacturer. We, our, us Highway Isurace Compay Limited tradig as Highway Isurace. You, Your The perso, compay or tradig ame (icludig subsidiary compaies) show as the Isured o the schedule ad certificate of motor isurace. 16 Documet of va isurace
CONTRACT OF MOTOR INSURANCE Va This policy, the schedule, the certificate of motor isurace, iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, form a legally bidig cotract of motor isurace betwee you ad Highway Isurace Compay Limited, tradig as Highway Isurace. This cotract of motor isurace is a cotract persoal to you ad you caot trasfer it to ayoe else. We agree to isure you uder the terms of this cotract of motor isurace agaist ay liability, loss or damage that occurs withi the geographical limits durig the period of isurace for which you have paid, or agree to pay, the premium. You must read this policy, the schedule ad the certificate of motor isurace together. The schedule tells you which sectios of the policy apply ad idetifies ay edorsemets. Please check all three documets carefully to make sure that they give you the cover you wat ad that you comply with all the relevat terms ad coditios, icludig ay edorsemets. It is ot iteded that the Cotracts (Rights of Third Parties) Act 1999 should cofer ay additioal rights uder this policy i favour of ay third party. Uless we agree with you to apply the laws of aother coutry, Eglish Law will apply to this cotract (uless you live i Guersey or Jersey, where Guersey or Jersey law will apply). Your Cover The curret schedule shows what you are covered for. The differet kids of cover are: Comprehesive Sectios 1, 2, 3, 4, 5, 6, 7, 8 ad 9 apply. Third Party Fire ad Theft Sectios 1, 2, 6 ad 7 apply. Third Party Oly Sectios 1, 6 ad 7 apply. Fire ad Theft Oly Sectio 2 oly. Use This cotract of motor isurace oly covers you if you use the isured vehicle i the way described i your certificate of motor isurace (uder Limitatios as to Use ) ad ay edorsemets. Documet of va isurace 17
CONTRACT OF MOTOR INSURANCE CONTINUED Coolig-off Cacellatio Right We hope you are happy with the cover this policy provides. However, you have the right to cacel it withi 14 days of receivig the policy or from the start date of your policy, whichever is latest, without givig ay reaso. You may cacel usig this coolig-off period by tellig us, or your isurace adviser, i writig or by email or telephoe ad cacellatio ca take effect immediately or from a later date, although it caot be backdated to ay earlier date. If you do cacel i the first 14 days usig the coolig-off cacellatio coditio, we will charge you pro rata, subject to a miimum fee of 25 + Isurace Premium Tax, for the cover provided from the begiig of the cotract util the policy is cacelled, uless we are required to make a total loss paymet uder the policy, uder which circumstaces a refud of the premium is ot payable. Cacellig your Policy (Outside the Coolig-off Cacellatio Right) You may cacel this cotract of motor isurace at ay time by tellig us, or your isurace adviser, i writig or by email 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 + 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 our authorised aget, may cacel this cotract of motor isurace by givig you seve days otice i writig to your last kow address where there is a valid reaso for doig so. Valid reasos may iclude, but are ot limited to, if: you do ot pay your premium, premium deposit or ay istalmet paymet o or before the due date; you or ayoe else covered by this isurace has ot met all the terms ad coditios of this policy; a chage i your circumstaces meas we ca o loger provide cover; you do ot provide us or your isurace adviser with ay requested documets. 18 Documet of va isurace
CONTRACT OF MOTOR INSURANCE CONTINUED We will cacel your policy immediately if: we idetify misrepresetatio or ay attempt to gai a advatage uder this isurace to which you are ot etitled; we idetify your ivolvemet i or associatio with isurace fraud ad/or fiacial crime. The isurace will ed immediately the seve days otice rus out. If you have just take out the policy or reewed it with us ad the premium is upaid, we will cacel your isurace from the start/reewal date. 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 + Isurace Premium Tax to cover our admiistratio costs will be deducted from the refud. If you or someoe else has made a claim, we will cacel your cover but may ot refud ay premium. If you are payig by istalmets, you must still pay the balace of the full aual premium. 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. Chages to your details You must tell your isurace adviser as soo as possible if ay of the details o your proposal form or statemet of fact chage icludig: Chages made to your vehicle which improve its value, appearace, performace or hadlig. Chagig your vehicle. Chages i the way your vehicle is used. Chage of address or where you keep your vehicle. Chage of occupatio, icludig part time work. Chage i the mai user of the vehicle. Details of ay motorig covictios, fixed pealty offeces or licece edorsemets for ay perso who may drive the vehicle. Details of ay crimial covictios for ay perso who may drive the vehicle. Documet of va isurace 19
CONTRACT OF MOTOR INSURANCE CONTINUED 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 vehicle. This is ot a full list ad you should cotact your isurace adviser for advice if you are ot sure whether a chage will affect your cover. Whe you advise us of ay permaet or temporary chages to your policy durig the period of isurace which we agree to, or if you request duplicate documets, a premium adjustmet charge of 10 + 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 isurace adviser. If your chage of circumstaces meas that we ca o loger provide cover, we or our authorised aget will give you otice of cacellatio, see Cacellig your Policy (Outside the Coolig-off Cacellatio Right). If you do ot tell your isurace adviser of a chage we will be etitled to do oe or both of the followig: reject or reduce paymet of your claim. Cacel the policy ad/or treat it as though it ever existed. 20 Documet of va isurace
Additioal Iformatio The followig does ot form part of the Cotract of Motor Isurace Vehicle Crime Lear How to Beat the Crimials Most crime prevetio methods are commo sese: Never leave valuables o show. Use good quality locks ad security devices.* Always esure your steerig lock is o whe you leave your vehicle ad use a steerig wheel lock.* Fit lockig wheel uts to your wheels. Do t make life easier for thieves, always remove the keys from your vehicle ad lock it whe you leave it, eve temporarily. Not to do so may ivalidate your cover so lock it or lose it! Remove ay etertaimet equipmet if you ca. Always park your vehicle i a secure locatio, i your ow garage or a secure public garage if possible. Always lock your vehicle ad activate ay alarm &/or immobiliser whe you leave it. You ca obtai further iformatio from your local Crime Prevetio Officer at your local Police statio, or visit:http://www.secureyourmotor.gov.uk/ * We recommed you istall security devices such as steerig wheel locks, alarms ad immobilisers that are accredited by Thatcham Motor Isurace Repair ad Research Cetre. For further iformatio visit: http://www.thatcham.org/ Documet of va isurace 21
SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER What is covered We will isure you agaist everythig you legally have to pay to people who claim for damages, costs ad expeses if they arise from a claim caused by a accidet while you are drivig, loadig or uloadig (directly from the isured vehicle), or i charge of the isured vehicle, if you kill or ijure other people. We will also isure you for your legal liability for damage to their property (icludig ay related idirect loss) up to 5,000,000 ad for costs ad expeses icurred up to 5,000,000. We will also isure you while the isured vehicle is towig a trailer or ay oe vehicle, so log as the towig is allowed by law ad the trailer or broke-dow vehicle is attached properly to the isured vehicle by towig equipmet made for this purpose. What is ot covered Loss or damage to the isured vehicle, trailer or vehicle beig towed. Ay amout above 5,000,000 for damage to other people s property (icludig ay related idirect loss) ad ay amout above 5,000,000 for costs ad expeses icurred. Property or goods belogig to (or i the care of) you or your passegers, or beig carried i or o ay trailer or vehicle beig towed. Death or ijury to the perso drivig or i charge of the isured vehicle or to ay perso beig carried i or o, or gettig ito or out of, or gettig o to or off, a trailer or vehicle beig towed. Loss or damage to ay bridge, weighbridge, viaduct, road or other surface over which the vehicle is drive, or aythig uder the surface caused by the weight or vibratio of the isured vehicle or its load. Loss, damage or liability caused by pollutio or cotamiatio as a result of ay load seepig from the isured vehicle or ay load spillig from, or shiftig i, the isured vehicle. Legal liability whe you are towig ay carava, trailer or broke-dow vehicle for profit. Liability for death, ijury or damage whe the isured vehicle is ot o a public road ad is i the process of beig loaded or uloaded by ay perso other tha the driver or attedat of the isured vehicle. 22 Documet of va isurace
SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER CONTINUED Liability for death, ijury or damage resultig from usig the isured vehicle, or of machiery attached to it, as a tool of trade. Liability for death or ijury to ay employee of the perso isured arisig durig the course of their employmet. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. Drivig other cars extesio. You are ot covered uder this policy to drive ay other vehicle. Ay liability that is ot required to be covered uder the terms of the Road Traffic Act whilst you are loadig or uloadig directly from the isured vehicle. Isurig Others What is covered We will also isure the followig people uder this Sectio. Ay perso you allow to use the isured vehicle as log as your curret certificate of motor isurace says they ca ad they are ot excluded from drivig by a edorsemet show o the schedule. Ay perso (other tha the perso drivig) beig carried i, or gettig i or out of, the isured vehicle or ay perso who causes a accidet while they are travelig i, or gettig i or out of, the isured vehicle. If ayoe covered by the cotract of motor isurace dies, we will cover their legal represetative to deal with ay claims made agaist that perso s estate. Isurig others What is ot covered Legal liability if your curret certificate of motor isurace does ot cover the perso usig the isured vehicle, or if the perso usig the isured vehicle is excluded from drivig or holdig a valid licece, or usig the isured vehicle as a result of the geeral exclusios, geeral coditios ad ay edorsemets. Ay liability that is ot required to be covered uder the terms of the Road Traffic Act whilst ay perso is loadig or uloadig directly from the isured vehicle. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. Documet of va isurace 23
SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER CONTINUED Costs of Legal Represetatio What is covered Followig a claim uder this cotract of motor isurace, we will pay the reasoable legal costs ad expeses relatig to. solicitors fees for represetig ayoe we isure at a coroer s iquest, fatal accidet iquiry or court summary of jurisdictio; ad the defece of ayoe we isure agaist ay legal proceedigs for maslaughter or causig death by 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 ad expeses. Costs of Legal Represetatio What is ot covered Ay costs which have ot first bee agreed i writig by us or arisig from a claim caused by a accidet which is ot covered uder this cotract of motor isurace. Ay costs where we have chose to stop paymets or arisig from a claim which is ot covered as a result of the geeral exclusios, geeral coditios ad edorsemets. Emergecy Medical Treatmet What is covered We will pay for the Emergecy Treatmet Fees, as required by the Road Traffic Acts, after a accidet ivolvig the isured vehicle. We must, by law, provide this cover. If this is the oly paymet we make, your No Claims Discout will ot be affected. Emergecy Medical Treatmet What is ot covered Ay amout that is more tha the compulsory fee. 24 Documet of va isurace
SECTION 2 FIRE AND THEFT What is covered We will cover you for loss or damage to the isured vehicle that is caused by fire, lightig, explosio, theft or attempted theft. This icludes stadard accessories o it. We will also pay for loss or damage to the isured vehicle s fitted etertaimet equipmet up to the limit stated o the schedule. What is ot covered Ay vehicle which is ot the isured vehicle ad ay loss or damage if you do ot have cover uder this sectio. Wear ad tear, mechaical, electrical, electroic ad computer failure, breakdows or breakages. Compesatio for you ot beig able to use the isured vehicle, ay delay where we have to get ew parts or accessories or they are uavailable, or the value of the isured vehicle reducig for ay reaso. Ay other idirect loss, such as travel expeses or loss of earigs. Loss or damage caused by failure to protect the isured vehicle, (see Care of the Vehicle uder the geeral coditios), or if it has bee left ulocked ad/or with the keys, lock trasmitter, etry card or other igitio cotrol device left i, o or i the immediate proximity of the vehicle. Loss or damage from repossessio of the isured vehicle ad returig it to its rightful ower. Loss or damage from ay agreemet or proposed trasactio for sellig or hirig the isured vehicle or someoe takig the isured vehicle by fraud, trickery or deceptio or attemptig to purchase the isured vehicle by fraudulet meas. Loss or damage arisig from the isured vehicle beig take or drive by a perso who is ot a isured driver but is a member of the policyholder s family or household, or beig take or drive by a employee or exemployee, uless you report the perso to the police for takig your vehicle without your coset. Loss or damage resultig from usig the isured vehicle, or of machiery attached to it, as a tool of trade. Documet of va isurace 25
SECTION 2 FIRE AND THEFT CONTINUED Loss or damage caused deliberately by you or ay perso drivig the isured vehicle with your permissio. Ay additioal damage resultig from the isured vehicle beig moved by you, or ay perso drivig the isured vehicle with your permissio, after a accidet, fire or theft. Ay storage charges uless you tell us about them ad we agree i writig to pay for them. Tools of trade, persoal belogigs (uless you have cover uder Sectio 5), documets or goods. Ay amout above the limit stated o the schedule for fitted etertaimet equipmet. Keys, remote cotrol or security devices (whether lost or stole) uless you have cover uder Sectio 8. Tapes, cassettes, compact ad mii discs, Citizes-Bad radios, phoes or phoe equipmet. Ay loss or damage up to the amout of the excess that appears o your schedule. Ay satellite avigatio equipmet or accessories, whether permaetly fitted or ot, that are ot stadard accessories. Ay loss or damage caused by failure to maitai the isured vehicle ad safeguard it from such loss or damage. Ay loss or damage from the isured vehicle beig cofiscated, disposed of or destroyed by or uder order of ay govermet or public or local authority order. 26 Documet of va isurace
SECTION 3 ACCIDENTAL DAMAGE What is covered We will cover you for loss or damage to the isured vehicle. This icludes stadard accessories o it. We will also pay for loss or damage to the isured vehicle s fitted etertaimet equipmet up to the limit stated o the schedule. What is ot covered Ay loss or damage described i what is ot covered uder the Fire ad Theft sectio of this policy. We also do ot cover the followig: Damage to tyres caused by wear ad tear, brakig, puctures, cuts or bursts. 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 vehicle. Loss or damage arisig from the isured vehicle beig filled with the wrog fuel. Ay satellite avigatio equipmet or accessories, whether permaetly fitted or ot, that are ot stadard accessories. New Va Replacemet If, withi oe year of you buyig the isured vehicle from ew ad you were the first registered ower, it is: stole ad ot recovered, or damaged so that repairs will cost more tha 60% of the maufacturer s price list (icludig taxes ad the cost of accessories) at the time of the loss or damage; We will replace the isured vehicle with a ew oe of the same make, model ad specificatio. If a replacemet vehicle of the same make, model ad specificatio is ot available we will, where possible, provide a similar vehicle of idetical list price. Documet of va isurace 27
SECTION 3 ACCIDENTAL DAMAGE CONTINUED New va replacemet does ot apply if: You, or ayoe we kow has a iterest i the isured vehicle, does ot agree. The isured vehicle is more tha oe year old at the time of the loss or damage. You were ot the first registered ower of the isured vehicle, icludig if the vehicle was pre registered by the motor dealer from whom it was purchased. You did ot buy the vehicle from ew. The repairs cost less the 60% of the maufacturer s price list (icludig taxes ad the cost of accessories). You wish to have the claim settled o a cash basis whe the most we will pay is the market value of the isured vehicle ad its stadard accessories at the time of the loss or damage. We are ot liable for the cosequeces of ay delay i gettig the replacemet vehicle. Uisured driver promise If you are hit by a uisured driver we will reistate your o claim discout ad reimburse ay excess oce we have established that the driver of the other vehicle was uisured ad the accidet was ot your fault. We will eed you to provide the registratio umber, make, model ad colour of the other car ivolved ad also the driver s ame ad address if possible. 28 Documet of va isurace
SECTION 4 WINDSCREEN AND WINDOWS What is covered We will pay for damage to the isured vehicle s widscree or widows. 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 or widow is replaced or repaired by Highway Glasslie (Phoe 0800 678 1010); or I ay oe period of isurace if ay other supplier carries out the repair or replacemet. What is ot covered Ay loss or damage if you do ot have cover uder this Sectio. Damaged suroofs, roof paels icludig damage to ay part of a covertible hood, lights or reflectors, eve if they are made of glass. The excess, uless you have your widscree or widow repaired rather tha replaced. (The excess must be paid direct to the repair or replacemet compay if your widscree or other widows are replaced, rather tha repaired.) Extra costs for the work to be carried out outside ormal hours, uless the widscree is shattered or the driver s visio or the security of the isured vehicle is affected. Documet of va isurace 29
SECTION 5 PERSONAL ACCIDENT, PERSONAL BELONGINGS, TOOL COVER AND MEDICAL EXPENSES Persoal Accidet What is covered If you, your husbad, your wife or your civil parter (as defied i the Civil Partership Act 2004) are ivolved i a car accidet, we will pay the amouts show below if, withi three moths of the accidet, it directly causes oe of the followig: Death 5,000 Total loss of oe or more limbs 5,000 Permaet blidess i oe or both eyes 5,000 The most we will pay is the limit for ay oe cause of death or ijury durig ay oe period of isurace. We will oly make a paymet if the ijury or death is directly coected with a accidet ivolvig the isured vehicle, ad ot if it happes while you, your husbad, your wife or your civil parter were travellig i or gettig ito or out of ay other vehicle that you do ot ow ad is ot hired or leased to you. Persoal Accidet What is ot covered Ay loss if you do ot have cover uder this Sectio. Ayoe who is uder 21 or 75 or older at the time of the accidet. Death or bodily ijury caused by suicide or attempted suicide, self-ijury or by drugs, alcohol or aythig take or ihaled. Death or bodily ijury caused by disease, physical sickess or disability. Ayoe failig to keep to the law regardig the use of seat belts. Persoal Belogigs What is covered We will pay up to 300 for persoal belogigs i your vehicle, if they are lost or damaged because of a accidet, fire, theft or attempted theft. If someoe else ows the property, you ca ask us to settle the claim with the ower of the property. We may eed proof of purchase. 30 Documet of va isurace
SECTION 5 PERSONAL ACCIDENT, PERSONAL BELONGINGS, TOOL COVER AND MEDICAL EXPENSES CONTINUED Persoal Belogigs What is ot covered Ay loss or damage if you do ot have cover uder this Sectio. Persoal belogigs covered by ay other isurace. Moey, stamps, tickets, documets, securities, jewellery or furs. Goods, tools of trade or samples coected with your work or ay other trade, or ay cotaier for these thigs. Radios, cassette, compact or mii disc players, MP3 players, tapes or discs, televisios, phoes or phoe equipmet, computers or computer equipmet ad accessories, computer game cosoles or games ad accessories, Citize-Bad radios ad accessories. Keys, remote cotrol or security devices. Property take from a ulocked or ope vehicle (icludig the rear of a ope back vehicle) or which you have ot take care to protect from loss or damage. Tool Cover What is covered We will pay for loss of damage to your tools caused by fire, theft, attempted theft or accidetal damage, while they are i the isured vehicle. The most we will pay for ay oe icidet is 300. If you ask us to pay someoe else we will have o further resposibility to you oce we have doe so. We may eed proof of purchase. Tool Cover What is ot covered Tools isured uder ay other policy. Tools take from a ulocked or ope vehicle (icludig the rear of a ope back vehicle) or which you have ot take care to protect from loss or damage. Medical Expeses What is covered If you or your passegers are ijured because of a accidet ivolvig the isured vehicle, we will pay up to 100, i additio to the compulsory Emergecy Medical Treatmet fee (see Sectio 1), for each perso for ay medical treatmet they receive. Medical Expeses What is ot covered Ay medical expeses if you do ot have cover uder this Sectio. Documet of va isurace 31
SECTION 6 DRIVING ABROAD Miimum Isurace What is covered We provide the miimum cover that applies to the coutry cocered to allow you to use the isured vehicle covered by this isurace i: Ay coutry which is a member of the Europea Uio, Adorra, Icelad, Norway, Serbia ad Switzerlad. The miimum cover automatically provided by this cotract of motor isurace may vary from coutry to coutry. Miimum Isurace What is ot covered Damage to the isured vehicle Customs ad Excise duty Cover i additio to Miimum Isurace What is covered We will exted your cover to apply to: Ay coutry which is a member of the Europea Uio, Adorra, Icelad, Norway ad Switzerlad. The isured vehicle whilst it is beig trasported by rail, sea or air betwee coutries, which you have cover for. If you are travellig by sea, it must be by a recogised sea route ad the jourey should ot take loger tha 65 hours. For up to a quarter of the period of isurace as log as: the isured vehicle is taxed ad registered withi the geographical limits, ad Your mai ad permaet home is withi the geographical limits ad your visit abroad is oly temporary. 32 Documet of va isurace
SECTION 6 DRIVING ABROAD CONTINUED Cover i additio to Miimum Isurace What is ot covered Customs or Excise duties. Use for more tha a quarter of the period of isurace. Loss or damage i ay coutry which is ot a member of the Europea Uio, Adorra, Icelad, Norway or Switzerlad. The isured vehicle, uless it is beig used for purposes described i the certificate of motor isurace. Ay additioal accommodatio or travel costs or expeses icurred. Additioal iformatio whe travellig abroad The followig does ot form part of your cotract of motor isurace. Do take out adequate travel, breakdow ad recovery isurace to cover all evetualities, eve o a short trip. Do ot sig a Agreed Statemet of Facts form uless you fully uderstad ad agree with its cotets. I some coutries they are bidig agreemets of the circumstaces of a icidet. Documet of va isurace 33
SECTION 7 NO CLAIMS DISCOUNT If this is a yearly cotract, ad you do ot claim uder this isurace ad you have ot bee ivolved i a accidet which has or may result i a claim agaist you, we will give a discout from your reewal premium. If the isurace covers more tha oe vehicle, the No Claims Discout will apply separately for each vehicle. You caot trasfer your No Claims Discout to ayoe else. We will reduce or remove your No Claims Discout, i accordace with the scale below, if we make ay paymet whatsoever, eve if the accidet is ot your fault, uless we get the moey back from someoe else. We may withhold the No Claims Discout i full or part if there are ay claims that have ot bee settled. If we recover all our moey, or we have good reaso to believe a third-party claim would be usuccessful, the No Claims Discout would apply agai. Curret NCD (Years) After 1 Claim (Years) After 2 Claims (Years) After 3+ Claims (Years) 1 0 0 0 2 0 0 0 3 1 0 0 4 2 0 0 5+ 3 1 0 If you have a protected No Claims Discout (show o the schedule) we will ot reduce the Discout if you do ot claim more tha twice durig five cotiuous periods of isurace. The protected No Claims Discout oly applies while you are isured by us ad caot be trasferred to aother isurer. Premiums i future years may still be icreased accordig to the claims history. 34 Documet of va isurace