CPW_W

8/3/2019 CPW_W

1/34

Motor Insurance

Policy

Claims Helpline:

0845 677 009824 hours a day, 365 days a year

Windscreen Claims:0845 839 8002

8/3/2019 CPW_W

2/341

ContentsDefnitions ...................................................... 2

Policy cover ................................................... 4

Important customer inormation .................... 5

What to do i you have an accident ............... 6

Broken windscreen and window glass .......... 7

What to do i you need to make a claim ........ 8

Contract o insurance Introduction ............. 9

Your cover

Section A Damage to the car ..................... 10

Section B Broken windscreen and

window glass ................................................. 11

Section C Fire and thet .............................. 12

How the insurer will settle your claim under

sections A or C .............................................. 14

Section D Medical expenses ...................... 15

Section E Personal belongings ................... 16

Section F Personal accident ....................... 17

Section G Liabilities to third parties ............ 18

Section H Using your car abroad ............... 20

Section I No claim discount ........................ 21

Section J No claim discount protection ...... 22

Section K Replacement locks ..................... 22

Policy exclusions ........................................... 23

Policy conditions ........................................... 25

Data protection .............................................. 28

What to do i you have a complaint ............... 31

8/3/2019 CPW_W

3/342

DefnitionsThroughout this policy certain words and phrases are printed in bold. These

have the meanings set out below.

Certificate of Motor Insurance

The proo o the motor insurance you needby law. The certificate of motor insuranceshows:

1. what car is covered;

2. who is allowed to drive the car; and

3. what the carcan be used or.

I your certificate of motor insuranceallows driving by any driver, please reer toyour schedule or any restrictions that mayapply.

Endorsement

A clause that alters the cover provided by thepolicy.

Excess

The part o a claim you must pay. Sometimes

more than one excess can apply, in whichcase the Insurerwill add them together.

Geographical limits

Great Britain, Northern Ireland, the Isle oMan, the Channel Islands and while the caris being transported between any o thesecountries.

Market value

The cost o replacing the car with one oa similar age, type, mileage and condition,immediately beore the loss or damagehappened.

Period of insurance

The length o time that the contract oinsurance applies or. This is shown in theschedule.

Schedule

The latest schedule the Insurerhas issuedto you. This orms part o the contract oinsurance. It gives details o the period ofinsurance, the premium you have to pay,the carwhich is insured and details o anyexcesses orendorsements.

Statement of Insurance

The orm that shows the inormation that yougive us, including inormation given on yourbehal and verbal inormation you give priorto commencement o the policy.

Terrorism

Terrorism as deined in the Terrorism Act

2000.

8/3/2019 CPW_W

4/343

The car

Any motor vehicle that you have given usdetails o and or which the Insurer hasissued acertificate of motor insurance.Thecars registration number will be shown onyourlatest certificate of motor insurance.Accessories and spare parts are included in

the deinition o the carwhen they are withthe caror locked in yourown garage.

Insurer

The Insurance Company or Underwritersat Lloyds as speciied in the Statement ofInsurance, the Schedule, Policy Summaryand the Certificate of Motor Insurance onwhose behal this document is issued.

We/us/our

The insurance intermediary as speciied onyourpolicy documents.

You/your

The person or company shown underPolicyholder details on the schedule.

Defnitions

8/3/2019 CPW_W

5/344

Policy coverYour Schedule shows the level o coveryou have chosen. The cover and policy

sections applicable are shown below.

Section Name Cover Applicable

ComprehensiveThird Party Fireand Thet

Third PartyOnly

Section A: Damage to the car 3

Section B: Broken Windscreen andWindow Glass

3

Section C: Fire and Thet 3 3

Section D: Medical Expenses3

Section E: Personal Belongings 3

Section F: Personal Accident 3

Section G: Liabilities to Third Parties 3 3 3

Section H: Using your Car Abroad 3 3 3

Section I: No Claims Discount 3 3 3

Section J: No Claims DiscountProtection (i applicable)

3 3 3

Section K: Replacement Locks 3

8/3/2019 CPW_W

6/345

Important customerinormation

Under policy condition 9 on page 26, youmust tell us about any o the ollowingchanges straight away. I you do not tell usabout these changes, your policy may nolonger be valid or the Insurermay not payyour claim. Alternatively, these changeslisted below may result in a change to yourpremium and/orexcess.

1. You sell the car, change the caror itsregistration number, or you get anothercar.

2. There is any change o drivers.

3. Anyone who drives the car receivesa motoring conviction (including ixedpenalty oences).

4. Anyone who drives the car developsa health condition, which requiresnotiication to the DVLA.

5. You change the purpose the caris usedor.

6. Anyone who drives the carchanges job,starts a new job, including any part-timework, or stops work.

7. The car is changed rom themanuacturers original speciication.

8. You take the carabroad, either or morethan 90 days or outside the EuropeanUnion.

9. You change youraddress or the addresswhere you keep the carovernight.

10. Anyone who drives the carpasses theirdriving test or has their driving licencerevoked.

11. The details on the schedule change.

12. The caris involved in an accident or ire,or someone steals, damages or tries to

break into it.

13. Anyone who drives the caris involved inany accident or has a vehicle damagedor stolen.

14. There is a change to your estimatedannual mileage.

15. Anyone who drives the car has had

insurance reused, cancelled or hadspecial terms applied.

16. There is a change o main user o thecar.

Please ask us or help i you are not surewhether certain inormation needs to bedisclosed.

8/3/2019 CPW_W

7/346

The Law

I you are involved in any incident involvingan injury to any person or certain animals,or i other vehicles or roadside property aredamaged, you must stop the car. Iyou ownthe car, you must give yourname, addressand insurance details to anyone who has a

good reason or asking. I you do not ownthe car, you must give the owners nameand address and the registration number othe vehicle. I there is an injury oryou do notgive yourdetails to anyone at the scene, youmust report the incident to the police within24 hours and present your certificate ofmotor insurance to them within ive days.

To help the Insurer with

the claims process

1. Do not apologise or admit ault.

2. Try to collect the ollowing inormationto give to the Claims Helpline (see page8). This will help the Insurerto speed upyourclaim.

a) You must provide ull details o theother drivers, including their phonenumbers, and the registration numberso all vehicles involved. This will allowthe Insurer to contact anybody elseinvolved straight away and, i you arenot at ault and the Insurermanagesto recover any money it pays, yournoclaim discount will not be aected.

b) Injuries caused.

c) Property damage.

d) Witnesses (i there are any).

e) Police oicers names and reportreerences.

) You must provide ull details o whathappened.

g) Taking photos with a camera or mobilephone can help to conirm certainaccident details.

Next steps

Call the 24-hour Claims Helpline (see rontcover).

1. There will be a phone number on allcorrespondence rom the Insureroryouto call should you need to contact theInsurer. Please remember to have yourclaim number ready when you call.

2. Please remember to remove all personalbelongings rom the carbeore it is takenor assessment or repair.

3. Please see page 14 or details on how theInsurerwill settle yourclaim or sectionsA or C.

What to do i you havean accident

8/3/2019 CPW_W

8/347

If you have comprehensive cover

1. Call the Claims Helpline, their telephonenumber can be ound on the cover o thispolicy booklet. They will arrange or theglass to be repaired or replaced. I youphone this number and use one o theInsurers chosen glass companies, cover

is unlimited. I you do not, the most theInsurer will pay is 100 ater taking oany excess.

2. Repairing a windscreen or window insteado replacing it can save you paying anexcess. Ask when calling the ClaimsHelpline.

As a general rule, cracks up to ive centimetres

(two inches) and breaks the size o a 1 coincan usually be repaired

Iyou do not have comprehensive cover, youcan still call the Claims Helpline but you willhave to pay the cost o replacing or repairingthe windscreen or window.

Broken Windscreensand Window Glass

8/3/2019 CPW_W

9/348

Call the Claims Helpline their telephonenumber can be found on the cover of this

policy booklet.

The Claims Helpline is open 24 hours

a day, 365 days a year

The Claims Helpline is a irst-response servicewith operators who can conirm whetheryourpolicy covers you or the incident. Rememberto save this number in your mobile phone(i you have one) so that you will have itavailable iyou have an accident.

The Insurermay record or monitor calls ortraining purposes, to improve the quality o

its service and to prevent and detect raud.

Start of the claims Process

I the car is involved in an incident oryouneed to make a claim, please telephone theClaims Helpline as soon as possible.

To help deal with yourcall eiciently, pleasehave your certificate of motor insuranceand details o the incident withyou when youcall. I you are at the scene o the accidentwhen you call Claims Helpline and do nothave your certificate of motor insurancewith you, please give your car registrationnumber.

What to do i youneed to make a claim

Repair Service for an accident within the geographical limits

RepairsI damage to the caris covered and it can be repaired, the Insurerwillarrange or one o its approved repairers to contact you to arrange to collectthe car.

AuthorisationYou do not need to get any estimates, and repairs can begin immediately aterthe Insurerhas authorised them.

DeliveryWhen the work is done, the repairer will contact you to arrange a convenienttime to deliverthe carback to you.

Paying for

repairs

The Insurerwill pay the repair bill. All you need to do is pay any policy excess

directly to the repairer when they deliverthe carback to you.Keeping youmobile whileyour car isbeing repairedwithin thegeographicallimits(Applies toComprehensivecover only)

To keep you mobile, while using an approved repairer, you will be oered asmall courtesy car while yours is being repaired.Once the Insurerhas decided that the carcan be economically repaired bythe approved repairer and i it cannot be driven, the Insurerwill provide thecourtesy car subject to availability.I the carcan still be legally driven (in other words it is roadworthy), theInsurerwill deliver the courtesy car when the caris collected or repairs.While you have the courtesy caryou will be liable to pay fnes or any parkingor driving oences or congestion charges, and any additional costs or anynon-payment o these charges.

If the carcannot berepaired

I the caris a total loss (a write-o), you must send in all the originaldocuments the Insurerasks or on yourreport orm (or example, the vehicleregistration document (V5C) and the current MOT certifcate). The Insurerwill arrange or an appointed salvage agent to collect the carto dispose o it.Please remember to remove all yourpersonal belongings and the tax disc romthe carbeore it is collected.

8/3/2019 CPW_W

10/349

Introduction

This policy is a contract between you andthe Insurer. It is not the Insurers intentionthat the Contracts (Rights o Third Parties)Act 1999 gives anyone else either any rightsunder this policy or the right to enorce anypart o it.

In return oryou paying or agreeing to paythe premium, the Insurerwill provide coverunder the terms, exclusions, conditions andendorsements o this contract o insurance,during the period of insurance and withinthe geographical limits.

This contract o insurance is based oninormation you gave the Insurer on thestatement of insurance and any other

inormation you gave to the Insurer. It is anoence under the Road Traic Acts to makea alse statement or withhold any materialinormation or the purposes o obtaining acertificate of motor insurance. Failure to

disclose all material acts could renderyourinsurance invalid and not give protection inthe event o a claim. Material acts are thosethat the Insurer would regard as likely toinluence the acceptance and assessmento this risk. I you are in any doubt aboutthe acts considered material, you shoulddisclose them. The Insurer or we will behappy to give you advice iyou wish.

You must read this policy, the certificateof motor insurance and the scheduletogether.

Please check all documents careully to makesure that they give you the coveryou want.

The law applicable to this policyEnglish law will apply to this contractunless the insurer agrees with you inwriting otherwise. The contractual terms andconditions and other inormation relating tothis contract will be in English Language.

Contract o insurance

8/3/2019 CPW_W

11/3410

Section A Damage to the car

What is insured What is not insured

1. The Insurer will pay for damage to thecar caused by accidental or maliciousdamage, or vandalism.

2. The Insurer will also cover the cost ofreplacing or repairing the cars audio,navigation and entertainment equipmentup to the following amounts:a) Unlimited for equipment fitted as original

equipment by the manufacturer;or

b) 300 for any other equipment, providedthis equipment is permanently fitted tothe car.

To keep you mobile, within the geographicallimits only, the Insurerwill offeryou a smallcourtesy car, free of charge, while the caris being repaired by one of the Insurersapproved repairers (subject to availability).Once the Insurer has decided that the carcan be economically repaired by an approvedrepairer and if it cannot be driven, the Insurerwill provide the courtesy car on the nextworking day for as long as the repairs take.

If the carcan still be legally driven (in otherwords, it is roadworthy), the Insurerwill deliverthe courtesy car when the caris collected forrepairs.

See page 14 for details of how the Insurerwillsettle claims.

1. The excesses shown in the schedule;and you must pay these amounts orevery incident that you claim or under thissection.

2. Loss o or damage to the carcaused byire, or by thet.

3. Loss o use othe car.4. Wear and tear.5. Mechanical, electrical, electronic and

computer ailures or breakdowns orbreakages.

6. Loss o or damage to the car causedby an inappropriate type or grade o uelbeing used.

7. Damage to yourtyres caused by braking,punctures, cuts or bursts.

8. Costs o importing parts or accessories orstorage costs caused by delays, where theparts or accessories are not available romcurrent stock within the geographicallimits.

9. Any amount over the cost shown in themanuacturers latest price guide, plusreasonable itting costs, or any lost ordamaged parts or accessories i suchparts or accessories are not available.

10. Loss o or damage to telephone or othercommunication equipment.

11.The carlosing value ater, or because o,repairs.

12. Loss o or damage to the car resultingrom deception by a person pretending tobe a buyer or acting on behal o a buyer.

13.The car being coniscated or destroyedby or under order o any government or

public or local authority.14. Loss o or damage to any radar detection

equipment.

Your cover

8/3/2019 CPW_W

12/3411

Section B Broken windscreen and window glass


1. If the windscreen or any window glass inthe car is broken during the period ofinsurance the Insurerwill pay the cost ofrepairing or replacing it. The Insurer willalso pay for any repair to the bodywork that

has been damaged by broken glass fromthe windscreen or windows.

Ifyou call the Claims Helpline and use one ofthe Insurers chosen glass companies, coveris unlimited. Ifyou do not, the most the Insurerwill pay under this section is 100 after takingoff any excess.

A claim under this section only will not affectyourno claim discount.

1. The excess shown on your schedule orany claim i the glass is replaced ratherthan repaired.

2. Loss o use othe car.3. Costs o importing parts or accessories or

storage costs caused by delays, where theparts or accessories are not available romcurrent stock within the geographicallimits.


5. Mechanical, electrical, electronic orcomputer ailures or breakdowns

or breakages to sun roo and hoodmechanisms.

6. Repair or replacement o any windscreenor window unless it is made o glass.

Your cover

Section A Damage to the car (continued)


15. Loss o or damage to any audio, navigationand entertainment equipment unless thisequipment is permanently itted to the car.

16. Any damage to the carcaused deliberatelyby you or any person driving it with yourpermission.

17. Loss o or damage to the carcaused bya member o your immediate amily, or aperson living in yourhome, taking the carwithout yourpermission.

8/3/2019 CPW_W

13/3412

Section C Fire and theft


1. The Insurerwill pay or loss o or damageto the carcaused by ire, thet or attemptedthet.

2. The Insurer will also cover the cost oreplacing or repairing the cars audio,navigation and entertainment equipmentup to the ollowing amounts:

a) Unlimited i your cover iscomprehensive and the equipmentis itted as original equipment bythe manuacturer; or

b) 300 or any other equipment ori yourcover is third party ire andthet,

provided this equipment is permanentlyitted to the car.

See page 14 or details o how the Insurerwillsettle claims.

1. Loss o or damage to the carwhen no-oneis in it unless all its windows, doors, rooopenings or hood are closed and lockedand all keys or devices needed to lock thecarare with you or the person authorisedto use the car.

2. The excesses shown in the schedule;and you must pay these amounts orevery incident that you claim or under thissection.

3. Loss o use othe car.4. Wear and tear.5. Mechanical, electrical, electronic and

computer ailures or breakdowns or

breakages.6. Costs o importing parts or accessories or

storage costs caused by delays, where theparts or accessories are not available romcurrent stock within the geographicallimits.


8. Loss o or damage to telephone or othercommunication equipment.

9. The carlosing value ater, or because o,repairs.

10. Loss o or damage to the car resultingrom deception by a person pretending tobe a buyer or acting on behal o a buyer.

11. Loss o or damage to the carcaused bya member o your immediate amily, or aperson living in yourhome, taking the car

without yourpermission.12.The car being coniscated or destroyed

by or under order o any government orpublic or local authority.

8/3/2019 CPW_W

14/3413

Section C Fire and theft (continued)


13. Loss rom taking the carand returning it toits legal owner.

14. Loss o or damage to any radar detectionequipment.

15. Any damage to the carcaused deliberatelyby you or any person driving it with yourpermission.

16. Loss o or damage to any audio, navigationand entertainment equipment unless thisequipment is permanently itted to thecar.

Your cover

8/3/2019 CPW_W

15/3414

How the Insurer will settle yourclaim under sections A or C

The Insurerwill choose whether to repairthecaror pay you a cash amount equal to thecost o the loss or damage. Ithe carcannotbe driven because o damage that is coveredunder this policy, the Insurerwill pay orthecar

to be protected and taken to the nearestapproved repairer.

If the car is economically repairable

I the car is repaired by one o theInsurers approved repairers, please seeRepair service or an accident within thegeographical limits on page 8.

You do not need to get any estimates, asrepairs can begin immediately ater theInsurerhas authorised them.

The Insurer will arrange or one o theirrepairers to contact you to arrange to collectthe car.

The Insurerwill also pay the reasonable costso delivering the carback to youraddress

when the damage has been repaired.

Iyou do not want to use one o the Insurersapproved repairers, you will need to sendthe Insurer an estimate or the Insurer toauthorise and the Insurermay need to inspectthe car. The Insurerreserves the right to askyou to obtain alternative estimates.

You will have to pay any policy excess direct

to the repairer.

I the condition o the caris better ater therepair than it was just beore it was damaged,the Insurermay ask you to pay towards it.

The repairer can use parts, including recycledparts that compare in quality to thoseavailable rom the relevant manuacturer.

If the car is a total loss

Once an engineer has inspected and

assessed the market value o the car, theInsurerwill send you an oer o payment.

I there is any outstanding loan on the car,the Insurer may pay the inance companyirst. I the Insurers estimate o the marketvalue is more than the amount you owe theinance company, the Insurer will pay youthe balance.

I the Insurers estimate o the market valueis less than the amount you owe the inancecompany, you may have to pay them thebalance. Any payment the Insurermakes ortotal loss will be ater the Insurerhas takeno any applicable policy excess and anyunpaid premium or this policy.

When you accept the Insurers oer ortotal loss, the carwill belong to the Insurer.You must return yourcertificate of motor

insurance to us. It is an oence under theRoad Traic Acts not to return the certificateof motor insurance.

By purchasing this policy you agree that theInsurercan handle yourclaim in this way.

Replacement car

The Insurerwill not pay more than the marketvalue o the carunless:

1. the loss or damage happens beore thecaris a year old; and

8/3/2019 CPW_W

16/3415

2. you are its irst and only registeredkeeper; and

3. you have owned the car(or it has beenhired to you under a hire-purchaseagreement) since it was irst registered asnew; and

4. the cost o repair is valued at more than60% o the cost o buying an identicalnew car at the time o the loss or damage(based on the UK list price); and

5. the carwas supplied as new within thegeographical limits.

In these circumstances, i you ask theInsurer to, the Insurerwill replace the car(and pay reasonable delivery charges) witha new car o the same make, model andspeciication.

The Insurerwill only do this i:

1. The Insurercan buy a car straight awaywithin the geographical limits; and

2. the Insurerhas permission rom the hire-purchase company (i this is how youbought the carand you have not inishedpaying or it).

Section D Medical expenses


1. Ifyou or anyone in the caris injured in anaccident involving the car, the Insurerwillpay up to 100 in medical expenses foreach injured person.

1. No cover is provided under this section ithe policy is held in the name o a corporateorganisation, a company or a irm.

Your cover

8/3/2019 CPW_W

17/3416

Section E Personal belongings


1. The Insurerwill cover personal belongingsin the carthat are lost or damaged followingan accident, fire or theft involving the car.You are covered for the cost of the item,less an amount for wear and tear and lossof value.

1. More than 100 or each incident.2. Any goods, tools or samples that are

carried as part o any trade or business.3. Loss o or damage to telephone or other

communication equipment.4. Money, stamps, tickets, documents

and securities (such as share or bondcertiicates).

5. Loss or damage when no one is in thecar unless all its windows, doors, rooopenings or hood are closed and lockedand all keys or devices needed to lock thecarare with you or the person authorisedto use the car.

6. Loss o or damage to any radar detectionequipment.

8/3/2019 CPW_W

18/3417

Section F Personal accident


1. If you or your husband, wife or civilpartner are accidentally killed or injuredwhile getting into, travelling in or gettingout of the car(or any other private car thatyou do not own), the Insurerwill pay thefollowing:a) For death 2,500.b) For total and permanent loss of sight in

one eye 1,500.c) For total and permanent loss (at or

above the wrist or ankle) of one hand orone foot 1,500.

The Insurerwill only pay these amounts if the

cause of the death or injury is an accidentinvolving a car and the death or loss happenswithin 3 months of the accident.

This cover also applies to any passenger whois getting into, travelling in or getting out of thecar (as long as there is a passenger seat forthat person).

1. No cover is provided under this section ithe policy is held in the name o a corporateorganisation, a company or a irm

2. Death or injury caused by suicide orattempted suicide.

3. Death o or injury to any person convictedo driving the vehicle whilst under theinluence o drink or drugs at the time othe accident.

4. Death o or injury to any person not wearinga seat belt when they have to by law.

5. More than 10,000 or any one accident.6. More than 2,500 to any one person or

any one accident.

I you, oryourhusband, wie or civil partner,have more than 1 car insurance policy with theInsurer, they will only pay under one policy.

Your cover

8/3/2019 CPW_W

19/3418

Section G Liabilities to third parties


The Insurer will cover legal liability for thedeath of or injury to any person and damageto property caused by or arising out of:

Cover for you1. You using the car.2. You using a motor car not belonging to

you and not hired to you under a hire-purchase agreement or leased to youunder a leasing agreement, provided that:a) your current certificate of motor

insurance allows you to do so; andb) you have the owners permission to do

so; and

c) you still have the carand it has not beendamaged beyond economical repair norbeen stolen and not recovered; and

d) the motor car is registered within thegeographical limits; and

e) you are not using the motor car outsideof the geographical limits; and

f) you are not insured under any otherinsurance to drive the motor car; and

g) there is a current and valid policy ofinsurance held for that motor car inaccordance with the Road Traffic Acts.

3. You using the carto tow any single trailer,trailer-caravan or broken-down vehiclewhile it is attached to the carand if allowedby law, provided it is not being towed forhire or reward.

Cover for other people1. Any person driving the car with your

permission (as long as yourcertificate of

motor insurance shows that he or she isallowed to drive the car). The person drivingmust not be excluded from driving the carbyany endorsement, exception or condition.

1. Any amount the Insurerhas not agreed toin writing.

2. Death o or injury to any oyouremployeesduring the course o their work, even ithe death or injury is caused by anyoneinsured by this policy.

3. Loss o or damage to property owned byor in the care o the person who is claimingcover under this section.

4. Any loss o or damage to a vehicle, trailer,trailer caravan or broken-down vehiclecovered by this policy.

5. Any claim or pollution or contamination,unless it is caused by a sudden,

identiiable event which was unintendedand unexpected and happened at onespeciic time and place.

6. Any amount over 1 million, or any onepollution or contamination event.

7. Any amount over 20 million or any oneclaim or series o claims arising rom oneevent that causes loss o or damage toproperty, including any indirect loss ordamage. This limit includes all costs andexpenses.

However, the Insurerwill provide the minimumcover needed under compulsory motorinsurance legislation.

8/3/2019 CPW_W

20/3419

Section G Liabilities to third parties (continued)


2. Any person using (but not driving) the car,with yourpermission, for social, domesticand pleasure purposes.

3. Any passenger in, getting into or gettingout of the car.

4. Any person using the car, with yourpermission (as long as yourcertificate ofmotor insurance shows that he or she isallowed to drive the car) to tow any singletrailer, trailer-caravan or broken-downvehicle while it is attached to the carandif allowed by law, provided it is not beingtowed for hire or reward.

The Insurerwill also pay:

1. solicitors fees reasonably incurred forrepresentation at any coroners inquest,fatal accident inquiry or magistrates court(including a court of equal status in anycountry within the geographical limits);

2. legal costs for defending a chargeof manslaughter or causing death bydangerous or careless driving caused byan accident covered under this policy;

3. any costs and expenses for which youremployer or business partner is legallyliable as a result of you using the carfortheir business;

4. any other costs and expenses for which theInsurer has given its written permission;and

5. charges set out in the Road Traffic Acts.

If anyone who is insured by this section dieswhile they are involved in legal action, theInsurerwill give the same cover as they had

to their legal personal representatives.

Your cover

8/3/2019 CPW_W

21/3420

Section H Using your car abroad


1. The Insurer will cover your legal liabilityto others while you or any driver coveredby this policy are using the carwithin theEuropean Union and any other countrywhich has agreed to follow Article 7(2)of the EU Directive on Insurance of CivilLiabilities arising from the use of motorvehicles (number 72/166/EEC).You do notneed an International Motor Insurance Card(Green Card) for visits to these countries.

Further information on the countries that followthe above EU directive can be found by visitingwww.mib.org.uk

2. The Insurer will also provide the covershown on your schedule for up to 90 daysin any period of insurance while you areusing the carwithin the countries referredto above. The Insurermay agree to extendthe cover for more than 90 days as longas:a) the car is taxed and registered within

the geographical limits; andb) your main permanent home is within

the geographical limits; andc) your visit abroad is only temporary;

andd) you tell us before you leave; ande) you pay any additional premium the

Insurerasks for.

3. If you want to extend yourpolicy to givethe same cover to a country outside thecountries referred to above, you must:

a) tell us before you leave;

1. If your certificate of motor insuranceallows you to drive any other vehicle,that cover does not apply outside of thegeographical limits.

8/3/2019 CPW_W

22/3421

Section I No claim discount

What is insured

As long as a claim has not been made during

the period of insurance immediately beforeyour renewal, the Insurer will include adiscount in yourrenewal premium. You maynot transfer this discount to any other person.

If a claim is made during the period ofinsurance, the discount will be stepped backin accordance with the Insurers currentscale. You may also have to pay a higherexcess. Your no claim discount will not be

affected if the only claims made are for abroken windscreen or window glass undersection B or Emergency treatment chargesunder section G.

Section H Using your car abroad (continued)


b) get the Insurers written agreement tocover you in the countries involved;and

c) pay any additional premium the Insurerasks for.

If the Insureragrees to yourrequest, they willissue you with an International Motor InsuranceCard (Green Card) as legal evidence of thiscover.

The Insurerwill also pay customs duty if thecar is damaged and the Insurerdecides notto return it after a valid claim on the policy.

Your cover

8/3/2019 CPW_W

23/3422

Section J No claim discount protection

What is insured

You will not lose any ofyourno claim discountas long as:1. no more than two claims are made in any

period of three years; and2. you have paid any extra premium the

Insurerasks for.

After a second claim is made in any three-yearperiod, this policy section will no longer applyand any further claims will result in the loss ofno claim discount.

You may have to pay a higher premium orexcess if any claims are made.

Section K Replacement locks


1. If the keys, lock transmitter or entry card fora keyless entry system of the carare lostor stolen, the Insurerwill pay up to 500towards the cost of replacing:a) all entry locks that can be opened by

the missing item;b) the lock transmitter, entry card and

central locking system; andc) the ignition and steering lock;as long as the Insurer is satisfied thatany person who may have your keys,transmitter or card, knows the identity orgarage address of the car.

2. The Insurerwill also pay the reasonable

cost of protecting the car, transporting it tothe nearest repairers when necessary anddelivering it after repair to youraddress.

1. the first 100 of any claim; or2. any claim where the keys, lock transmitter

or entry card are either:a) left in or on the carat the time of the

loss; orb) taken without your permission by a

member of yourimmediate family or aperson living in yourhome.

8/3/2019 CPW_W

24/3423

1. The Insurerwill not cover claims arisingdirectly or indirectly rom any o theollowing:

a) the car being driven by, or being inthe charge o, someone who is notdescribed in your Certificate ofMotor Insurance as entitled to drive.

b) The car being driven, with yourpermission, by anyone who you knowdoes not hold a valid driving licence oris disqualiied rom driving. However,the Insurerwill still give cover i theperson used to hold a licence and isallowed to hold one by law.

c) The car being driven by someonewho does not meet all the conditions

o their driving licence.

d) The carbeing used or a purpose thatis not covered in yourCertificate ofMotor Insurance.

However, this exclusion will not apply whilethe caris with a member o the motor tradeor servicing or repair.

2. I you receive any payment or givingpeople lits in the car, the InsurancePolicy is not valid i:

a) the car is made or altered to carrymore than eight people including thedriver.

b) you are carrying the passengersas part o a business o carryingpassengers.

c) you are making any proit rom thepayments you receive.

3. The Insurerwill not pay or loss, damage,injury or legal liability i it is caused directlyor indirectly by the ollowing:

a) Ionising radiation or radioactivecontamination rom any nuclear uel orany nuclear waste arising rom burningnuclear uel.

b) The radioactive, poisonous, explosiveor other dangerous properties o anyexplosive nuclear equipment or parto that equipment.

c) Pressure waves caused by aircrat(and other lying objects) travelling atany speed.

d) War, invasion, act o oreign enemy,

hostilities (whether war declared ornot), civil war, rebellion, insurrection ormilitary or usurped power.

e) Acts o terrorism.

4. The Insurer will not pay claims arisingdirectly or rom earthquakes, riot or civildisturbance outside Great Britain, the Isleo Man or the Channel Islands, except

under section G.

5. The Insurer will not pay or any liabilityyou accept under an agreement orcontract unless you would have beenlegally liable anyway.

6. Any decision or action o a court whichis not within the geographical limitsis not covered by this policy unless theproceedings are brought or judgement is

given in a oreign court because the carwas used in that country and the Insurerhad agreed to cover it there.

Policy exclusions

8/3/2019 CPW_W

25/3424

7. The Insurerwill not pay any claims arisingdirectly or indirectly rom any car beingin a place used or the takeo, landing,parking or movement o aircrat, includingthe associated service roads, reuellingareas, ground equipment parking areasand the parts o passenger terminals ointernational airports which come withinthe customs examination area or any parto airport premises to which the publicdoes not have vehicular access.

However, the Insurer will provide theminimum cover needed under compulsorymotor legislation.

Policy exclusions

8/3/2019 CPW_W

26/3425

1. How to claim

Please phone the Claims Helpline as soon aspossible to report the claim.

The Claims Helpline number can be ound onthe cover o this policy booklet.

You must send the Insurerany letter, claim,writ or summons as soon as you receive it.You must also let the Insurerknow straightaway i you oryour legal advisers know oany prosecution, inquest or atal accidentinquiry that might be covered under thispolicy.

2. Dealing with claims

You or any other person who claims underthis policy must not negotiate, admit aultor make any payment, oer or promise opayment unless you have the Insurerswritten permission.

In dealing with yourclaim, under the termso this policy the Insurermay:

a) deend or settle any claim and choose the

solicitor who will act oryou in any legalaction; and

b) take any legal action in yourname or thename o any other person covered by thispolicy.

The Insurer can do any o these in yourname or in the name o any person claimingunder this policy. Anyone who makes a claim

under this policy must give the Insureranyreasonable inormation the Insurerasks or.

3. Compulsory insurance

I the law o any country says the Insurermust make a payment that the Insurerwouldnot otherwise have paid, you must repay thisamount to the Insurer.

4. Other insurance

I any incident that leads to a valid claim iscovered under any other insurance policy, theInsurerwill only pay their share o the claim.

5. Reasonable precautions

Anyone covered by this policy must take all

reasonable steps they can to protect thecar, and anything in or attached to it, againstloss or damage. (This includes making surethat the carhas all its windows, doors, rooopenings or hood closed and locked, and allkeys or devices needed to lock the cararewith you or the person authorised to use thecar when no-one is in it.) The carmust bekept in good working order. The Insurermayexamine the carat any time.

6. Keeping to the terms of the policy

The Insurerwill only pay claims i:

a) any person claiming cover has met all theterms o the policy, as ar as they apply;and

b) the declaration and inormation given onthe proposal or shown in the statementof insurance which this contract is basedon is complete and correct as ar as youknow.

Policy conditions

8/3/2019 CPW_W

27/3426

I the Insurerhas paid or the total loss othecar, you must pay the ull annual premiumand you will not be entitled to any reund.I any claim made was not or the total losso the car, the Insurerwill deduct the costso any payments made by the Insurer orthe claim (or claims) rom any reund. I thecost o the claim (or claims) is more than theannual premium, the Insurerwill not pay anyreund.

c) The Insurerorwe can cancel this policyby sending you seven days notice toyour last known address. I you live inNorthern Ireland, the Insureror we willalso send notice to the DVLNI.You mustthen return your certificate of motorinsurance to us, as it is an oence underthe Road Traic Acts not to do so. The

Insurer will reund a percentage o thepremium in proportion to the period ofinsurance let unused.

9. Changes you must tell us about

You must tell us about any o the ollowingchanges straight away. I you do not tell usabout these changes, your policy may no

longer be valid or the Insurermay not payyour claim. These changes may result in achange to yourpremium and/orexcess.

1. You sell the car, change the car or itsregistration number, or you get anothercar.

2. There is any change o drivers.

3. Anyone who drives the car receives amotoring conviction, (including ixedpenalty oences).

7. Fraud

The Insurerwill not pay any claim which is inany part raudulent or exaggerated, or iyou,or anyone acting or you, uses raudulentmethods to get beneits under this policy.

8. Cancelling your policy

a) You have 14 days rom the later o thestart date o the policy or the date youreceive the policy documents to cancelthe cover. You can cancel by phoningus and cancellation can take eectimmediately or rom a later date, althoughit cannot be backdated to any earlier date.You must then return yourcertificate of

motor insurance to us, as it is an oenceunder the Road Traic Acts not to do so. Icover has not yet started, the Insurerwillreund any premium paid in ull. I coverhas started, the Insurer will reund apercentage o the premium in proportionto the period of insurance let unused.

I the Insurerhas paid or the total loss othecar, you must pay the ull annual premiumand you will not be entitled to any reund.

b) Ater the 14-day period you can cancelthis policy by phoning us and cancellationcan take eect immediately or rom a laterdate, although it cannot be backdated toany earlier date.You must then return yourcertificate of motor insurance to us,as it is an oence under the Road TraicActs not to do so. Cancelling any directdebit instruction does not mean you have

cancelled the policy. I no claims havebeen made during the current periodof insurance, the Insurer will reund apercentage o the premium in proportionto the period of insurance let unused.

Policy conditions

8/3/2019 CPW_W

28/3427

4. Anyone who drives the car developsa health condition, which requiresnotiication to the DVLA.

5. You change the purpose the caris usedor.

6. Anyone who drives the carchanges job,starts a new job, including any part-time

work, or stops work.

7. The car is changed rom themanuacturers original speciication.

8. You take the carabroad, either or morethan 90 days or outside the EuropeanUnion.

9. You change youraddress or the addresswhere you keep the carovernight.

10. Anyone who drives the carpasses theirdriving test or has their driving licencerevoked.

11. The details in the schedule change.

12.The caris involved in an accident or ire,or someone steals, damages or tries tobreak into it.

13. Anyone who drives the caris involved inany accident or has a vehicle damaged orstolen.

14. There is a change to your estimatedannual mileage.

15. Anyone who drives the carhas insurancereused, cancelled or had special termsput on.

16. There is a change o main user o thecar.

8/3/2019 CPW_W

29/3428

This notice contains important inormationabout the use o yourpersonal inormation.Please make sure that you read this noticecareully. In this notice we and us andour means the insurance intermediary asspeciied on your policy documents, theInsurer named in your current Schedule,Certificate of Motor Insurance and

Statement of insurance, and any holdingcompanies, subsidiaries or linked companies.Personal inormation means any inormationgiven to us about you, by you or anyone elsein connection with the particular service orproduct that we are providing to you.

By taking out this Insurance Policy, youconirm that we may use your personalinormation in the ways outlined in this notice.As the terms o this notice will also apply to

anyone else insured underyourpolicy, youshould also show this notice to anyone elsewhose name you give to us, in connectionwith yourinsurance policy.

Your privacy is very important to us. Wepromise to respect and protect yourpersonalinormation and try to make sure that yourdetails are accurate and kept up to date.You can help us do this by letting us know

whenever your personal details change.The way in which yourpersonal inormationis collected, held and used by us complieswith all legal requirements, particularly as isrequired by the Data Protection Act 1998.

Motor Insurance Database

Your details will be added to the Motor

Insurance Database (MID), run by the Motorinsurers Inormation Centre (MIIC). MID datamay be used by the DVLA and DVLNI or thepurpose o Electronic Vehicle Licensing.

The police may use the MID to ind outwhether a drivers use o a vehicle iscovered by a motor insurance policy and orpreventing and detecting crime. I you areinvolved in an accident (in the UK or abroad),other UK insurers, the Motor InsurersBureau and MIIC may search the MID toget relevant inormation. People with a valid

claim relating to a road traic accident(including people who live in other countries)may also get relevant inormation rom theMID. You can ind out more about this atwww.miic.org.uk and you can check yourvehicle details have been recorded correctlyon www.askmid.co.uk.

How we use your personal information

We will use personal inormation which hasbeen given to us to manage yourInsurancePolicy, including handling underwriting andclaims and issuing policy renewal documentsto you. These activities may involve usreleasing personal inormation to otherInsurers, regulatory authorities or agentsproviding services on ourbehal.

We may use your personal inormationand the inormation about your use o ourproducts and services to carry out researchand analysis about our products andservices, as well as to service your needsin connection with yourpolicy. We may usee-mail, telephone, post or other means to dothis.

Iyou do not want us to use yourinormationor marketing purposes please call the

customer service number shown on yourpolicy documents. You may contact us atanytime to give notice to stop data beingused or marketing purposes.

Data Protection Notice

8/3/2019 CPW_W

30/3429

We will only release yourpersonal inormationto others i

1. we need to do this to manage yourpolicywith us (as set out above)

2. you have given permission to receivepromotional material

3. you have given permission to becontacted in connection with any researchor analysis that we are carrying out (asmentioned above)

4. we need to prevent raud (as mentionedbelow)

5. we are required or permitted to do thisby law (or example, i we receive a

legitimate request rom the police oranother authority)

6. there are any other circumstances whereyou have given yourpermission.

I we change the way that we use yourpersonal inormation, we will write to youto let you know. I you do not agree to thatchange in use, you must let us know as soonas possible.

I you require more inormation on the DataProtection Act you may also write to the oiceo the inormation commissioner at

Wyclie HouseWater LaneWilmslowCheshireSK9 5AF

Telephone 08456 30 60 60 or01625 54 57 45E-Mail: [email protected]

Sharing information to prevent fraud

We may share inormation which we hold andwhich has been supplied to us in connectionwith any application or insurance that youhave made or any insurance policy whichyou have with us (including the renewal oany policy which you have with us) with theClaims and Underwriting Exchange register,run by the Insurance Database ServiceLimited (IDS Ltd) and other similar databasesestablished or the same purpose. The aimis to help us check inormation that is givento us and to prevent raudulent claims. Whenwe process yourrequest or insurance cover,we may search these registers. Under theconditions o your policy, you must tell usabout any incident (such as an accident orthet), whether or not you think it is likely to

give rise to a claim.

When you tell us about an incident, we willpass inormation relating to that incident tothese registers.

Dealing with others on your behalf

To help you to manage yourinsurance policy,

we will deal with you oryourhusband, wieor partner or civil partner or any other personwhom we reasonably believe to be actingor you i they call us on your behal inconnection with yourpolicy.

Sensitive information

Some o the personal inormation that we askyou to provide may be sensitive personaldata, as deined by the Data Protection Act1998. Sensitive personal data may includeinormation relating to your health, race,

8/3/2019 CPW_W

31/3430

religion and any criminal convictions that youhave. We will only use sensitive personal dataabout you or the speciic purpose or dealingwith yourpolicy and to provide the servicesdescribed in yourpolicy documents.

Monitoring and recording calls

We may monitor or record telephone callsto monitor and improve our service and toprevent or detect raud.

Further information

You are entitled to receive a copy o theinormation we hold about you. Iyou would

like a copy o your inormation, pleasecontact ourData Protection Oicer, quotingyour name, address and insurance policynumber to the address below:

The Data Protection OicerProspect HouseGordon Banks DriveTrentham Lakes NorthStoke-on-Trent

ST4 4TW

Please note that we are entitled to chargeyou a small administration ee o 10 ordoing this.

Data protection notice

8/3/2019 CPW_W

32/3431

In this notice we and us and ourmeans theinsurance intermediary as speciied on yourpolicy documents, the Insurer named inyourcurrent Schedule, Certificate of MotorInsurance and Statement of insurance,and any holding companies, subsidiaries orlinked companies.

I you are not happy with any aspect o ourservice, we will aim to resolve the issue asquickly as possible. We have the ollowingcomplaint procedure which you can ollowi you are dissatisied with the service youhave received:

Step 1: Let your usual point of

contact know

We need to know the nature oyourcomplaintand how you think the problem should beresolved.You can do this by:

Telephoning us on the number shown onany oourletters.

Writing to us at the address shownbelow:

The Compliance ManagerProspect HouseGordon Banks DriveTrentham Lakes NorthStoke-on-TrentST4 4TW

Iyou have a complaint about a claim, callyourclaim handler irst.You will ind theclaim handlers name and phone number

on any letters they have sent you.

We will try to resolve yourcomplaint by theend o the next business day. Iwere unableto do this, we will write to you within ive

working days to either:

Tell you what weve done to resolve theproblem; or

Acknowledge your complaint and letyou know when you can expect a ullresponse. We will also let you know who

is dealing with the matter.

We will always aim to resolve yourcomplaintat this stage. However, i or any reason youremain dissatisied, you should escalate thematter as outlined below.

Step 2: Escalation to the

Managing Director

You can do this by:

Asking the consultant who raised thecomplaint on your behal to do this oryou

Writing to the address shown below:

The Managing Director

Prospect HouseGordon Banks DriveTrentham Lakes NorthStoke-on-TrentST4 4TW

Writing to the chie executive o yourinsurerwhose address is shown on yourschedule.

If you are insured by Lloyds of

London

I you are still dissatisied and you are

What to do i you havea complaint

8/3/2019 CPW_W

33/3432

insured by Lloyds o London, you may writeto:

Policy Holder & Market AssistanceDepartmentLloyds Market ServicesLloyds o LondonOne Lime StreetLondonEC3M 7HA

We will always aim to resolve yourcomplaintwithin our weeks o its receipt.

I we are unable to do this we will give youthe reasons or the urther delay and indicatewhen we will be able to provide a inalresponse.

Step 3: Contact the Financial

Ombudsman Service

You can ask the Financial OmbudsmanService to review your complaint i or anyreason you are still dissatisied with ourinalresponse, or i we have not issued our inalresponse within eight weeks rom you irstraising the complaint.

You can contact the Financial OmbudsmanService at the address below, however theywill only consider your complaint onceyouve tried to resolve it with us.

Financial Ombudsman ServiceSouth Quay Plaza183 Marsh WallLondon

E14 9SR

Following the complaints procedure does notaect your right to take legal proceedings.

Financial Services Compensation

Scheme (FSCS)

We are covered by the Financial ServicesCompensation Scheme.

I we cannot meet our liabilities, you may beentitled to compensation rom the Financial

Services Compensation Scheme. Claims orcompulsory insurance, such as third partymotor insurance, are covered in ull.

Any claims made to the Financial ServicesCompensation Scheme or non-compulsory(optional) insurance, such as damage to theinsured car, and or any unused premium, arecovered up to 90% o the value o the claimsubmitted. You can get more inormationrom the Financial Services Compensation

Scheme at www.scs.org.uk or by calling020 7892 7300.

What to do i you have a complaint

8/3/2019 CPW_W

34/34

Claims Helpline:

0845 677 009824 hours a day, 365 days a year

Windscreen Claims:

0845 839 8002

AIG Direct is a trading name of UNAT DIRECT Insurance Management Limited (FSA

No. 312350) which is authorised and regulated by the Financial Services Authority.

The registered office is 96 George St., Croydon, Surrey, CR9 1BU and registerednumber is 03960626

CPW_W

Documents

Transcript of CPW_W