Policy Summary
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ABOUT THIS DOCUMENT Please note that this summary does not contain the full terms and conditions of the contract of insurance, which can be found in the policy document. INSURER Equity Red Star is managed by Equity Syndicate Management Limited, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registration number is 204851. TYPE OF INSURANCE AND COVER UK Motor Breakdown and Recovery Insurance If the vehicle, as defined in the Policy Document, cannot be driven as a result of a breakdown, that happens while you, your legal spouse or civil partner are driving, ERS will refund the costs shown below BENEFITS INCLUDED AS SPECIFIED IN THE POLICY DOCUMENT: - (Headings shown for reference) Emergency Roadside Repairs: We will refund call-out fees and labour charges needed to start the vehicle. Recovery of the vehicle and its passengers We will refund the cost of taking the vehicle, you and up to 5 passengers to any one place you choose. Alternative Travel: If the vehicle cannot be repaired or recovered, we will refund the cost of alternative travel so that you and up to 5 passengers can return home or finish your journey. Emergency Overnight Hotel Accommodation: If the vehicle cannot be repaired or recovered, we will refund the cost of one night’s hotel accommodation for you and up to 5 passengers. Home Breakdowns: We will refund call-out fees and labour charges needed to start the vehicle (up to the maximum quoted in the Document of Insurance). Theft or vandalism: If the vehicle is stolen and recovered, or cannot be driven as a result of damage by vandalism, we will refund the cost of taking it to your home or repairer. Caravan and trailers: Any caravan or small trailer will be entitled to the same service as the vehicle as long as it’s attached to the vehicle. MAIN TERMS AND CONDITIONS (INCLUDING SIGNIFICANT/UNUSUAL EXCLUSIONS) (Referenced by policy sections) Breakdown means a mechanical or electrical breakdown (failures or breakages), flat batteries, punctures, lack of fuel, lost ignition keys or damage which is caused by an accident, vandalism or theft and results in you not being able to drive the vehicle – Applicable to all sections. Cover applies within the mainland of England, Scotland, Wales and Northern Ireland – Applicable to all sections The cost of any parts, components or materials used in any repair is not covered - Applicable to all sections You or your legal spouse or civil partner must not drive any vehicle, which is in an unsafe or unroadworthy condition - Applicable to all sections PERIOD OF INSURANCE The insurance offered is a 12-month contract, which may be renewed each year subject to the terms and conditions that apply at the time of renewal. HOW TO OBTAIN ASSISTANCE If you require assistance call our 24-hour Rescue Control Centre on 0800 328 4439 or 01277 720700, quoting your Document number and name. CANCELLATION You can cancel this insurance policy at any time by sending us written notice and returning the schedule. If you cancel your policy within the 14-day withdrawal period, and before the commencement of the policy, we will refund the full premium. If you cancel your policy within the 14-day withdrawal period, but after your policy has commenced, we will refund the part of the premium you have not used subject to a minimum premium of £15 plus IPT. COMPLAINTS We aim to provide a first-class service. If you have any cause to complain about our breakdown insurance, or us please write to the Chief Executive of Equity Red Star. When you do this, quote your insurance document number, which is on your policy schedule. Send your complaint to: Equity Red Star, Library House, New Road, Brentwood, Essex CM14 4GD. After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask the Policyholder and Market Assistance department at Lloyd's to review your case. The address is: Policyholder and Market Assistance, Lloyd's Market Services, One Lime Street, London, EC3M 7HA. Having followed this procedure your complaint can be referred to the Financial Ombudsman Service (FOS). The address is The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (This procedure does not affect your rights to take legal action if necessary). FINANCIAL SERVICES COMPENSATION SCHEME (FSCS) As we are members of the Financial Services Compensation Scheme (FSCS), you may be entitled to compensation under the scheme if we cannot pay out all valid claims under this insurance. This depends on the type of policy you have and the circumstances of the claim. The scheme will cover 90% of the claim with no upper limit. For types of insurance you must have by law (such as third party insurance for motor claims), the scheme will cover the whole claim. You can get more information about the scheme from the FSCS or you can visit their website at www.fscs.org.uk. LANGUAGE AND LAW APPLYING TO THE INSURANCE This insurance is written in English and all communications about it will be in English. Unless we have agreed otherwise with you, in writing, English law will apply to this insurance. Summary - AutoAid Breakdown Recovery ABRKF11/13
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Transcript of Policy Summary
ABOUT THIS DOCUMENTPlease note that this summary does not contain the full terms and conditions of the contract of insurance, which can be found in thepolicy document.INSUREREquity Red Star is managed by Equity Syndicate Management Limited, which is authorised by the Prudential Regulation Authority andregulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registration number is 204851.TYPE OF INSURANCE AND COVERUK Motor Breakdown and Recovery InsuranceIf the vehicle, as defined in the Policy Document, cannot be driven as a result of a breakdown, that happens while you, your legalspouse or civil partner are driving, ERS will refund the costs shown belowBENEFITS INCLUDED AS SPECIFIED IN THE POLICY DOCUMENT: - (Headings shown for reference)Emergency Roadside Repairs:We will refund call-out fees and labour charges needed to start the vehicle.Recovery of the vehicle and its passengersWe will refund the cost of taking the vehicle, you and up to 5 passengers to any one place you choose.Alternative Travel:If the vehicle cannot be repaired or recovered, we will refund the cost of alternative travel so that you and up to 5 passengers canreturn home or finish your journey.Emergency Overnight Hotel Accommodation:If the vehicle cannot be repaired or recovered, we will refund the cost of one night’s hotel accommodation for you and up to 5passengers.Home Breakdowns:We will refund call-out fees and labour charges needed to start the vehicle (up to the maximum quoted in the Document of Insurance).Theft or vandalism:If the vehicle is stolen and recovered, or cannot be driven as a result of damage by vandalism, we will refund the cost of taking it toyour home or repairer.Caravan and trailers:Any caravan or small trailer will be entitled to the same service as the vehicle as long as it’s attached to the vehicle.MAIN TERMS AND CONDITIONS (INCLUDING SIGNIFICANT/UNUSUAL EXCLUSIONS) (Referenced by policy sections)Breakdown means a mechanical or electrical breakdown (failures or breakages), flat batteries, punctures, lack of fuel, lost ignition keysor damage which is caused by an accident, vandalism or theft and results in you not being able to drive the vehicle – Applicable to allsections.Cover applies within the mainland of England, Scotland, Wales and Northern Ireland – Applicable to all sections The cost of any parts, components or materials used in any repair is not covered - Applicable to all sections You or your legal spouse or civil partner must not drive any vehicle, which is in an unsafe or unroadworthy condition - Applicable to allsections PERIOD OF INSURANCEThe insurance offered is a 12-month contract, which may be renewed each year subject to the terms and conditions that apply at thetime of renewal.HOW TO OBTAIN ASSISTANCEIf you require assistance call our 24-hour Rescue Control Centre on 0800 328 4439 or 01277 720700, quoting your Document numberand name. CANCELLATIONYou can cancel this insurance policy at any time by sending us written notice and returning the schedule.If you cancel your policy within the 14-day withdrawal period, and before the commencement of the policy, we will refund the fullpremium.If you cancel your policy within the 14-day withdrawal period, but after your policy has commenced, we will refund the part of thepremium you have not used subject to a minimum premium of £15 plus IPT.COMPLAINTSWe aim to provide a first-class service.If you have any cause to complain about our breakdown insurance, or us please write to the Chief Executive of Equity Red Star.When you do this, quote your insurance document number, which is on your policy schedule. Send your complaint to: Equity Red Star,Library House, New Road, Brentwood, Essex CM14 4GD.After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask the Policyholder and MarketAssistance department at Lloyd's to review your case. The address is: Policyholder and Market Assistance, Lloyd's Market Services,One Lime Street, London, EC3M 7HA.Having followed this procedure your complaint can be referred to the Financial Ombudsman Service (FOS). The address is TheFinancial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR (This procedure does not affect your rights totake legal action if necessary).FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)As we are members of the Financial Services Compensation Scheme (FSCS), you may be entitled to compensation under the schemeif we cannot pay out all valid claims under this insurance. This depends on the type of policy you have and the circumstances of theclaim. The scheme will cover 90% of the claim with no upper limit. For types of insurance you must have by law (such as third partyinsurance for motor claims), the scheme will cover the whole claim. You can get more information about the scheme from the FSCS oryou can visit their website at www.fscs.org.uk.LANGUAGE AND LAW APPLYING TO THE INSURANCEThis insurance is written in English and all communications about it will be in English. Unless we have agreed otherwise with you, inwriting, English law will apply to this insurance.
Summary - AutoAid Breakdown Recovery
ABRKF11/13
ABRKF11/13 A4 AutoAid Key Facts:Layout 1 12/12/13 11:47 Page 2
