21229862 Lv Gi Important-Information

7/28/2019 21229862 Lv Gi Important-Information

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Plese ke ew ues ed

imPortant information

LV.c

You can get this and other documents rom us in Braille, large print or on audiotape by contacting us.

LV= and Liverpool Victoria are registered trade marks o Liverpool Victoria Friendly Society L imited and LV= and LV= LiverpoolVictoria are trading styles o the Liverpool Victoria group o companies. Liverpool Victoria Insurance Company Limited,registered in England and Wales number 3232514 is authorised and regulated by the Financial Services Authority, registernumber 202965. Registered address: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333. 21229862 10/12


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IMPorTAnT InForMATIon

n our commitment to you

n your responsibility to give us correct inormation

n your rights to cancel your insurance n what to do i our service isnt what you expected

n the tax you pay on your insurance premiums

n what happens i we cant meet our liabilities

n how we use your personal inormation

n the law that applies to your insurance

The inormation in this leafet orms par t o your insurance contract with us - please read this

together with the insurance schedule, the document o insurance and, i you have a motor

insurance policy, the certicate o insurance.

You should also show this leafet to any other person covered by this insurance.

our coMMITMenT To youWell always:

n give you clear and accurate inormation

n be air and reasonable

n act promptly

your resPonsIbIlITy To gIve us

correcT InForMATIonPlease make sure all the inormation you give us is correct and complete. Its important

because i you dont we may cancel your insurance rom its start date and/or not pay your

claim. I youre not sure whether you need to tell us about something please ask.

imPortant informationPa tak a mit t ad ti at a it xpai imptat

imati at:

your rIghTs To cAncelyour InsurAnce

up t 14 da at i

dmt

At the start o your insurance policy, when

you receive your documents, you have

14 days to check youre happy with the

insurance cover youve bought. I the cover

doesnt meet your needs, you can cancel

your insurance by telling us.

For motor and home insurance well reund

any money youve paid, less a charge or

the cover youve had and a cancellation

charge or setting up the policy. Please reer

to Charges that apply on your insurance

schedule or more details. I you cancel

beore your cover starts well reund all the

premium youve paid.

For travel insurance policies that have a

cover period o more than 28 days, and or

pet insurance, well reund all the moneyyouve paid. I youve made a claim you

must pay back any money paid to you in

settlement o the claim within 30 days.

Well reund you within 30 days o you telling

us that youd like to cancel.

For single trip travel insurance policies where

the cover start date to the cover end date is

28 days or less, no reund o premium will

be given.

M ta 14 da at i

dmtFor motor, home and pet insurance, ater

the initial 14 day period, i youve not made

a claim, well reund any money youve

paid, less a charge or the cover youve

had and a cancellation charge. I you have

made a claim you wont be able to get a

reund. I the amount due to us when you

cancel your policy is more than the amount

youve previously paid, you must pay us

the dierence. This includes paying the

remaining premium due or the policy i you

are paying by monthly instalments and have

made a claim.

For travel insurance we wont give any

reunds ater the initial 14 day period, even i

you have not travelled or made a claim.

caati at a

Well send you a renewal invitation 3 weeks

beore your renewal date. This will show yourrenewal premium and any changes to your

cover. I youve not chosen our continuous

payment option, you must contact us beore

your renewal date to maintain cover.

I youve chosen our continuous payment

option, well automatically renew your policy

beore it expires. I you dont want to renew,

simply contact us when you receive the

renewal invitation. As part of our renewal

process your debit or credit card provider will

tell us your new card number if they have

issued you with a new card.

I you renew, whether or not under the

continuous payment option, but then decide

to cancel, provided you tell us beore your

renewal date, well reund what youve paid in

ull. I you cancel ater your renewal date has

passed you will be charged in line with the

cancellation rules detailed above depending

upon whether it has been more than 14 days

since your policy has been renewed.

wat t d i i it at

xptd

We do all we can to give you a rst classpolicy and service. But there may be times

when you eel our service isnt up to scratch.

I this is the case, wed like to know so we

can put things right.

Please phone us:

Motor insurance: 0845 640 5266

Home insurance: 0845 640 5270

Travel insurance: 0845 640 5191

Pet insurance: 0845 600 4816

2 IMPorTAnT InForMATIon3


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or write to us (or motor, home or

travel insurance):

The Customer Relations Manager

LV=

County Gates

Bournemouth

BH1 2NF

or or pet insurance:

LV= Pet Insurance Complaints Department1000 Lakeside North Harbour

Western Road

Portsmouth

PO6 3FA

For more inormation please visit the

complaints section on our website:

.lv.m/tat/mpait/

maki-a-mpait

Please always quote your policy number to

help us take care o your complaint quickly.

I youd like to see a copy o our complaints

procedure, please ask.

I we cant resolve your complaint,

you can reer your complaint to the

Financial Ombudsman Service within

6 months o receiving our nal response

letter. Here are their contact details:

Pt

Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London E14 9SR

P

0800 023 4567 (ree or people phoning

rom a xed line, or example, a landline at

home) or

0300 123 9123 (ree or mobile-phone

users who pay a monthly charge or calls to

numbers starting 01 or 02)

emai

mpait.i@

faia-mdma..k

Making a complaint wont aect your right

to take legal action.

InsurAnce PreMIuMs

All premiums include insurance premium

tax where applicable. You may also have

to pay other taxes or costs, or example i

the premium is paid or reimbursed by an

employer it may be classed as a taxable

benet in kind. I so youll need to pay thistax or cost yoursel.

whAT hAPPens IFwe cAnT MeeT ourlIAbIlITIes?

I we cant meet our liabilities, you may be

able to claim rom the Financial Services

Compensation Scheme (FSCS). There are

dierent levels o compensation, depending

on what kind o insurance you have:

n compulsory insurance, such as thirdparty motor insurance, is covered or

100% o the claim

n non compulsory insurance, such as

home insurance, is covered or 90%

o the claim

You can get urther inormation rom:

Financial Services

Compensation Scheme

10th Floor

Beauort House

15 St Botolph StreetLondon EC3A 7QU

P

0800 678 1100 0207 741 4100

emai

[email protected]

how we useyour PersonAlInForMATIon

Data Ptti At 1998 ad

Ia Admiitati

This inormation explains how we may

use your details and tells you about the

systems we use that allow us to detectand prevent raudulent applications and

claims. The savings that we make help us

to keep premiums down.

How we may use your personal data is

controlled by the requirements o the Data

Protection Act 1998. Liverpool Victoria

Insurance Company Limited is registered or

the purpose o processing personal data.

Inormation provided to us may be held

on computer, paper le or other ormat,

whether or not you purchase a policy. Well

hold this inormation or a reasonabletime to ensure we have a clear and

complete history o insurance enquiries,

applications, policy records

and transactions.

We and our agents (eg service providers

that we have agreements with both within

and outside the European Economic Area)

may use this inormation (some o which

may be sensitive data) to process and

administer your insurance. It may also

be used or disclosed to regulators to

monitor and enorce our compliance with

any regulation. Occasionally, your personal

inormation may be disclosed to selected

third parties who are helping us improve

our service.

I you give us your credit card, debit

card or bank details we may use it to

automatically renew your insurance. Well

only do this where you say we can.

I your details have been obtained

through one o our anity associations

we may pass some o your inormation,

including policy details and ongoing

inormation, to that anity organisation

or membership, business analysis and

other relevant purposes.

I you move to a new insurer we may

conrm certain details about your

insurance to them. Well only do this iwere sure its a genuine request.

I we receive a request or policy

inormation by an individual other than the

policy holder well check that the policy

holder has given permission to do this.

We wont use sensitive personal data or

marketing purposes.

cdit sa ad Idtit k

We use inormation obtained rom credit

reerence agencies who will check the

details supplied against any database,

public or otherwise. This helps us to

conrm your identity, allows us to give

you a quote and decide which payment

options we can oer you, or example,

paying monthly.

Youll see a record o this Credit search

i you request a Credit Report. No other

organisation who may conduct credit

searches will be able to see it.

I we conduct an Identity check a record o

this will be retained by the credit reerence

agencies and may be provided to other

organisations to assist with verication

and identication purposes. Youll see a

record o this Identity check i you request

a Credit Report.

These searches wont aect your credit

record or credit rating in any way. You can

request your Credit Report rom any credit

reerence agency.

IMPorTAnT InForMATIon4 IMPorTAnT InForMATIon5


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21229862 Lv Gi Important-Information

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