Are You a Parent or Guardian of a Person with ASD? Or Do You Care For a Person with ASD? If so, would you be protected by insurance in the event of a member of the public holding you responsible for bodily injury or damage to their property caused by a person with ASD in your care? In today s climate, the possibility of being sued for negligence is increasing, with legal costs, expenses and awards continuing to escalate. You may find that your household contents insurance provides this cover. Where this is not the case, we are pleased to be able to offer cover designed exclusively for members of the National Autistic Society to protect them against these eventualities. This insurance facility has been negotiated for the National Autistic Society members by Aon Ltd and is underwritten by Liberty Mutual Insurance Europe Limited ( Liberty ). Personal Liability Insurance Summary of Cover This information is a summary of the cover provided by the Liberty Personal Liability Insurance facility for members of the National Autistic Society. The facility provides personal liability insurance for parents, guardians of or persons caring for people with ASD. The summary highlights the main features and benefits and significant exclusions of the cover. A significant exclusion is something that may affect your decision as to whether the cover is suitable for you; it may also be unusual compared to products offered by other companies. These exclusions are marked with an X under significant exclusions and limitations throughout. In addition there are Conditions that apply to the cover detailed in the certificate. For example you have a duty to take reasonable steps to prevent any circumstances where liability may occur. It is important to note that the summary does not contain all the terms and conditions that may apply, this information can be found in the certificate and policy document which is issued to you when you take out this cover. A copy is attached. MAIN FEATURES, BENEFITS AND EXCLUSIONS Features and/or Benefits Personal liability for accidental bodily injury to third parties or damage to their property arising out of your care control and supervision of persons with autism within the United Kingdom, Channel Islands, and the Isle of Man and for up to 60 days in any one period of insurance anywhere in the world Exclusions and Limitations Limit 1,000,000 any one claim Legal costs and expenses are payable in addition (except for any claim arising in USA/Canada) X Excludes terrorism related incidents X Excludes fines or penalties of any kind X Excludes any personal liability otherwise insured (you may be covered under your household contents insurance) Excess Excludes the first 100 of claims for third party property damage How long does the insurance cover me for? The insurance is annually renewable on the 1st November. The first period of insurance may not be for 12 months; the certificate will detail the period of cover provided. You will receive notice from us that your insurance is approaching renewal at least 21 days before the due date. What if I need to make a claim? To report a new claim, please email: newclaims.liberty@davies-group.com For general claims correspondence, please email: post.liberty@davies-group.com To speak to someone please telephone: 0344 8562 364 1 5
Our service to clients includes: A designated professional team with specialist technical capabilities and legal knowledge Direct access to claims team for notification of incidents A designated point of contact for effective communication and mutual understanding Our willingness to travel to meet brokers and clients in person A first rate panel of adjusters and claim experts A proactive approach to consultation with third party representatives Permanently manned 24 hour help line Fraud screening for all casualty claims What if I want to cancel the cover? If after insuring with us and receiving the full written cover details, you subsequently change your mind, you have 14 days to write to Liberty confirming that you do not wish to continue. No charge will be made and any premium you have already paid will be refunded. If you do not cancel the insurance within the 14-day cooling-off period mentioned above, you are committed to pay the premium. However, you can still cancel the insurance providing you give Liberty notice in writing. As long as you have not made a claim, you will receive a refund of the part of your premium which covers the cancelled period, providing this exceeds 10. If you have made a claim then the full annual premium is due. Liberty have the right to cancel the cover by giving you 7 days notice in writing sent by recorded delivery to your last known address. If Liberty cancel the insurance they will refund the part of your premium which covers the cancelled period. What is the cost? The annual charge is 30.00 (inclusive of Insurance Premium Tax) per policy. Annual Renewal Date: 1st November each year. If you join after 1st May, the cost is 20.00 (inclusive of Insurance Premium Tax) per policy. NB: The premium remains the same in the event of more than one person with ASD being cared for. 2 5
INSURER COMPLAINTS PROCEDURE Liberty is dedicated to providing you with a high quality service and want to maintain this at all times. Liberty values the opportunity to investigate any concerns you may have about any aspect of our service and are committed to handling all complaints fairly, thoroughly and promptly. Who to contact Many concerns can be resolved straight away. Therefore, in the first instance please get in touch with National Autistic Society as they will generally be able to provide you with an immediate response to your satisfaction. Where a complaint cannot be resolved straight away Liberty aims to resolve your concern as soon as possible and keep you informed of progress while enquiries continue. If you remain dissatisfied once you have received Liberty s response to your complaint Liberty will escalate your complaint and conduct a separate review. This will be concluded with the issue of Liberty s final decision in writing N.B. Full details of Liberty Mutual Insurance Europe Limited including contact details are stated in the Schedule of this Policy The Financial Ombudsman Service (FOS) If following receipt of our final response letter you remain dissatisfied you may be able to ask the FOS to formally review your case. The FOS can help with most complaints if you are: a. a private individual b. a business with an annual turnover of less than 1,000,000 c. a charity with an annual turnover of less than 1,000,000 d. a trustee of a trust with a net asset value of less than 1,000,000 You must contact the FOS within six months of our final response. If you are unsure whether the FOS will look at your complaint please contact them directly for further information. You are entitled to contact the FOS at any stage of your complaint. The FOS contact details are as follows: Financial Ombudsman Service Exchange Tower London E14 9SR Web: www.financial-ombudsman.org.uk/ Tel: 0800 0234 567 Email: complaint.info@financial-ombudsman.org.uk This is a free and impartial service. 3 5
How to Join: Simply complete and return this form together with your appropriate payment made payable to National Autistic Society I/we wish to join the Personal Liability Insurance facility for Parents or Guardians of or Persons caring for People with Autism. DETAILS 1. Name of Person(s) with Autism 2. Parents/Guardians/Carers Name(s) 3. Address 4. NAS membership number GENERAL QUESTIONS (to be completed by the parent/guardian or carer) 5. In respect of the risks to be insured: a. has any loss, damage, injury or liability arisen during the past 5 years whether insured or not? Yes c No c b. has any company or underwriter declined to issue or renew a policy or imposed special terms? Yes c No c c. Have you ever been convicted of, received a police caution for or charged with but Yes c No c not yet tried for any offence other than a driving offence? d. Have you ever been declared bankrupt or the subject of bankruptcy proceedings, liquidation, Yes c No c appointment of administrative receiver or administrators or made any arrangement with creditors either in a personal capacity or in connection with any company, business or firm with which you have been involved? 4 5
DECLARATION I/we declare that: i. the information contained in the application form, including any additional information stated below and ii. any other information presented by me/us or others on my/our behalf in connection with this application is true and complete to the best of my/our knowledge and belief. Additional Information: I/we agree that my insurance is placed with Liberty Mutual Insurance Europe Limited with effect from the date agreed and that this application form together with this declaration shall be incorporated into the contract. I/we agree to accept the policy as per the wording provided. NAME: DATE: SIGNATURE: NAME ON CHEQUE / DIRECT DEBIT: NB: Cover does not operate until Liability has been accepted by Liberty and the premium has been paid. You will be informed when cover commences. Please return to: Membership Department, National Autistic Society, 393 City Rd, London. EC1V 1NG If you would like to set up a Direct Debit payment, please complete a Direct Debit mandate form and return with your completed application by 9 th October. After this date, you will need to make a cheque or card payment for this year. If you would like to make your payment via telephone, please contact the Supporter Care team via 0808 800 1050. Cheques should be made payable to National Autistic Society. Please note that the National Autistic Society will need to be in receipt of your completed application form via post or email (membership@nas.org.uk) before taking payment. DATA PROTECTION Data Protection Act 1998 Liberty Mutual Insurance Europe Limited ( Liberty ) is the registered data controller for personal information collected from you. You shall include, as relevant, individual insured customers (including prospective customers) such as sole traders, a company s owners, partners and/or any individual who may be covered by an insurance policy with Liberty. We will use your information subject to data protection laws for various purposes. In summary, this includes but is not limited to managing and handling your insurance queries, underwriting and claims handling. We may use an anonymised form of it for various purposes. We may check your information against public sources (such as the electoral roll and court judgments bankruptcy or repossession and other insurance industry databases) and this may involve carrying out bankruptcy/judgment debt checks, fraud prevention, anti-money laundering and counter terrorism financing checks, subject to data protection law and with your consent if required. We may directly or indirectly share your information with other insurers, the police and other law-enforcement agencies, the Claims and Underwriting Exchange Register and the Motor Insurance Anti-Fraud and Theft Register, government agencies and/or regulatory authorities, as applicable. In addition, we may pass your information and claims history to agents, service providers, other Liberty Mutual Group companies, regulatory organisations, and to certain other third parties. By going ahead with a Liberty insurance quote or policy or by giving us your personal information including sensitive personal information (as more particularly described in your Policy) you will be explicitly agreeing to us, our agents, other insurers and the other persons described in this notice (and/or in your Policy) processing it for all relevant purposes. Before you provide us with any information about others, you should make sure they are aware of how we will use their information and have agreed to this. For our policy about taking instructions from persons other than the Policyholder, details about data transfers outside the European Economic Area, how to obtain copies of personal information and who to contact in the event of questions, please see the Privacy Policy (which contains a full overview about Liberty s use of your personal information). You can view this at www.liueurope.com/privacy-policy or by contacting our Data Protection Officer at 20 Fenchurch Street, London EC3M 3AW for a hard copy. An Overview Of Liberty Liberty Mutual Insurance is a trading name of Liberty Mutual Insurance Europe Limited (LMIE), part of Liberty Specialty Markets, the combined operation of LMIE, Liberty Managing Agency Limited and Liberty Mutual Reinsurance. Liberty Specialty Markets has over 900 employees in 27 offices throughout the UK, Europe and the rest of the world and is part of global insurer Liberty Mutual Insurance Group. www.libertyspecialtymarkets.com Liberty Mutual Insurance Europe Limited Registered office: 20 Fenchurch Street, London EC3M 3AW Tel: +44 (0)20 3758 0000. Registered in England and Wales. Registered Number: 1088268 Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (reference number 202205). NASSOC343-09-14. 5 5