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Allianz Insurance plc Motor Fleet Information including Policy Summary (pages 2-4)

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Page 1: Allianz Insurance plc Motor Fleet - Allianz eBroker Insurance plc Motor Fleet Information including Policy Summary (pages 2-4)

Allianz Insurance plc

Motor Fleet

Information including PolicySummary (pages 2-4)

Page 2: Allianz Insurance plc Motor Fleet - Allianz eBroker Insurance plc Motor Fleet Information including Policy Summary (pages 2-4)

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With Allianz Insurance plc, you can be confident that you’reinsured by a company which is relentless in its commitmentto protecting and serving you. You can trust us to insure yourbusiness, as we’ve been providing leading insurance solutionsin the UK for over 100 years. We work in partnership with yourinsurance adviser to ensure you receive the highest levels ofproduct and service excellence. Our technical expertsunderstand how best to protect you against the risks yourbusiness faces.

If you need to make a claim you will be in safe hands. Ourprofessionally trained staff aim to treat you, as you wouldexpect, both promptly and fairly. By listening to you, andunderstanding your needs we will provide you with the mostappropriate solutions to support your business.

Allianz gives you the flexibility to insure all of your vehiclesunder one policy. Each policy has been designed to provideyou with extensive cover for most vehicle types and uses.Should you need further details or have any questions yourinsurance adviser will be delighted to help.

Introduction

Thank you for choosing Allianz Insurance plc. We are one of the largest generalinsurers in the UK and part of the Allianz Group, one of the world’s foremostfinancial services providers.

Page 3: Allianz Insurance plc Motor Fleet - Allianz eBroker Insurance plc Motor Fleet Information including Policy Summary (pages 2-4)

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Motor Fleet Policy Summary This is a summary only and does not contain the full terms and conditions of the contract. Full terms and conditions can be found in the policy wording, a copy of which is available on request.

What is coveredThe policy is underwritten by Allianz Insurance plc. Unlessspecifically agreed otherwise your policy will cover you for 12months and is renewable annually.There are three differenttypes of cover, which are summarised below.

Third Party Only (TPO)If you are involved in an accident, you are covered for damageyou cause to other peoples’ vehicles or property or for injuriesthey sustain.

Third Party Fire & Theft (TPFT)In addition to the cover described in TPO, you are also covered forloss of or damage to your own vehicle caused by fire or theft.

Comprehensive (Comp)In addition to the cover described in TPFT, you are also coveredfor any damage your vehicle sustains in an accident or for anydamage caused by vandalism.

Please periodically read the policy and the policy schedulecarefully and make sure that it meets your needs and that youunderstand its terms, conditions, limits and exclusions. If youwish to change anything or if there is anything you do notunderstand please notify your insurance adviser. If you fail tonotify us your policy may not operate or not operate fully.

What happens if I take out cover and then change my mind?If you are an individual or sole trader (including a partnership inEngland or Wales) you have a right to cancel the policy within a14 day reflection period and receive a return of any premiumspaid, less an administration charge and an amountrepresenting the cover you have received. Full details can befound in the policy wording.

How do I notify a claim?claims START is a service from Allianz to help you through thesometimes difficult first stage when making a claim. An immediate call on 0330 102 1998 will ensure that yourclaim is handled quickly and smoothly. This number is open 24hours a day, 365 days a year. Allianz will provide all drivers witha claims START card to allow you to contact us immediately inthe event of a claim.

Would I receive compensation if Allianzwere unable to meet its liabilities?Allianz Insurance plc contributes to the Financial ServicesCompensation Scheme (FSCS).

You may be entitled to compensation from the FSCS if We areunable to meet Our liabilities. Further information aboutcompensation scheme arrangements is available atwww.fscs.org.uk, by emailing [email protected] or byphoning the FSCS on 0800 678 1100 or 0207 741 4100.

Complaints ProcedureIf you have a complaint about anything other than the sale ofthe policy please contact our Customer Satisfaction Manager at:

Customer Satisfaction ManagerAllianz Insurance plc57 Ladymead, Guildford, SurreyGU1 1DB

Alternatively:Phone: 01483 552438Email: [email protected]

If we are unable to resolve the problem we will provide youwith information about the Financial Ombudsman Servicewhich offers a free, independent complaint resolution service.

The Financial Ombudsman ServiceExchange Tower, London E14 9SR

Website: www.financial-ombudsman.org.ukTelephone: 0800 023 4567 or 0300 123 9123Email: [email protected]

The European Commission has an online dispute resolutionservice for consumers who have a complaint about a productor service bought online. If you choose to submit yourcomplaint this way it will be forwarded to the FinancialOmbudsman Service.

Visit https://ec.europa.eu/odr to access the Online DisputeResolution Service. Please quote our e-mail address:[email protected]

Alternatively, you can contact the Financial OmbudsmanService directly.

Full details of our complaints procedure will be found in thepolicy documentation.

Page 4: Allianz Insurance plc Motor Fleet - Allianz eBroker Insurance plc Motor Fleet Information including Policy Summary (pages 2-4)

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Significant Features, Exclusions and Limitations

Significant Features Exclusions and Limitations PolicySection

Loss or damage to your vehicle

• Nationwide Approved Repairer Network

• Repair estimates are not required

• Free class A courtesy vehicle whilst yours undergoes repair atan Approved Repairer*

• Free collection and delivery of your vehicle

• 5 year guarantee on all repairs through our Approved RepairerNetwork

• Free wash and vacuum.

• Excludes loss or damage arising from theft orattempted theft whilst the ignition key has been leftin or on the vehicle.

* Vehicle undergoing repair must be a private car or commercial

vehicle up to 3.5 tonnes.

B

Accidental Damage, Fire, Theft and Malicious Damage Excess The following excesses apply in addition to any otherexcess shown in the Policy Clause(s).• Drivers under 25 years of age £250• Drivers 25 years or over who have £175

not held a full driving licence for 12 months.

B

New for old CoverA replacement car or commercial vehicle if your vehicle is stolenor damaged and the cost of repair exceeds 50% of the price of anew identical vehicle.

• The vehicle must be under one year old• You must have owned, hired (under HP) or leased

the vehicle since first registered• Excludes goods carrying vehicles in excess of

7.5 tonnes GVW.

B

Windscreen CoverIn partnership with Autoglass we provide• Total nationwide coverage for the repair or replacement of

windscreens, bodyglass and rear windows• A facility to set up an Autoglass account• Windscreen repair without deduction of excess.

• Replacement windscreens subject to the excessstated in the Policy Wording

B

Third Party Liability for death, injury and accidental damage to property

• Unlimited indemnity for death or injury

Indemnity for accidental damage to other personsproperty:• £20,000,000 in respect of cars• £5,000,000 for all other vehicles• £5,000,000 in respect of all vehicles for acts of

terrorism• £1,250,000 in respect of all vehicles carrying

hazardous goods• £5,000,000 in respect of prosecution under the

Corporate Manslaughter Act.

A

Cover Section Applicable

Third Party Fire and Theft.

Third Party Only.

Sections A, C, D, G, H, J, K and L. Section B operates only in respect of lossor damage caused by fire, theft or attempted theft.

Sections A, C, D, G, J, K and L.

Page 5: Allianz Insurance plc Motor Fleet - Allianz eBroker Insurance plc Motor Fleet Information including Policy Summary (pages 2-4)

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Significant Features Exclusions and Limitations PolicySection

TrailersAttached cover applies to all trailers. Detached cover applies to all trailers owned by you or for whichyou are responsible.

• Whilst detached, cover is restricted to Third Party Only, Section A

• No wider cover will apply to any trailer than isprovided to the towing vehicle.

C

Foreign TravelWestern European-wide certificate wording includes all EuropeanUnion Countries, dispensing with the need for Green Cards.

D

Replacement LocksIf your vehicle keys have been lost or stolen.

• The maximum we will pay is £1000. H

Personal EffectsUp to £500 for Rugs, Clothing and Personal effects.

• Excludes money, jewellery, securities, furs, goods orsamples carried in connection with any business

• Excess of £50 applies• Any loss where the vehicle is left unlocked.

F

Occasional Business UseAt your request provides policy cover for vehicles owned or loaned to an employee.

• Restricted to private cars used for the Insured’s business.

K

Personal AccidentCover for the driver.

• £5000 indemnity limit. I

Medical ExpensesFor any person injured in the insured vehicle.

• £250 indemnity limit per person subject to amaximum limit of £1000 for any one cause.

E

Legal ProtectionUp to £100,000 for legal services and advice.Contact our Fleet helpline number on 0844 854 1784.

• A claim for an event which is not covered underyour current motor fleet policy

• Legal advice is only available over the telephone.

L

Indemnity to PrincipalsProvides legal liability for any principal of the policyholder.

• Cover applies only if you would have been entitledto indemnity had the claim been made against you

• Conduct and control of all claims must be vested in us.

A

Contingent Liability CoverProvides Third Party cover for vehicles not owned by you.

Only whilst being used by your employee in connectionwith your business.

A

Unauthorised Movement At your request provides policy cover for the movement ofvehicles impeding legitimate access or exit.

Only applies to movement by you or your employees ofvehicles not belonging to you.

J

Page 6: Allianz Insurance plc Motor Fleet - Allianz eBroker Insurance plc Motor Fleet Information including Policy Summary (pages 2-4)

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Additional BenefitsWe offer a range of in-house services free of charge and have also secured a rangeof additional benefits via third party providers all at discounted prices.

Additional Benefits Risk Management Features Claims Features

• Access to the Allianz Motor InsuranceDatabase website – providingimmediate access to vehicle data to helpyou establish a robust reporting process.Helpdesk also available.

• FREE windscreen repairswithAutoglass.*

• Up to 66% discount on a range ofbreakdown services with AA.

• Motor legal advice line providing 24/7access to specialist legal advisors.

• Detailed claims reports via our Case Analysis Tool to help you pin-pointwhere your fleet is most at risk.

• FREE risk management information anduse of award winning Risk Directorwebsite.

• Access to EXCLUSIVE discounts on arange of risk management products,such as Fleet Risk Survey, DriverDevelopment courses and LicenceChecking via market leaders RoSPA.

• Allianz Partnership plus facility –providing financial assistance towardsthe costs of implementing riskmanagement initiatives.

• Tracker Network UK (Ltd) – discountedproducts from the UK’s most successfulstolen vehicle recovery system.

• In vehicle safety solutions to managerisk and improve driver safety.

• FREE claims reporting cards and ‘sceneof accident’ information to support yourneeds and control claims costs.*

• Flexible claims reporting through ourclaims START service – via telephoneopen 24/7, our web reporting facility oremail. Ensures you can report claimsand receive assistance wheneverrequired.

• Recovery, protection and redelivery ofthe insured vehicle following anaccident.*

• Courtesy vehicles are provided throughthe Allianz Approved repairer network(Class A vehicle).*

• Facility to provide a like for likereplacement vehicle at competitive hire rates should the Class A courtesyvehicle not be suitable. Removing theneed for you to make additionalarrangements. (the cost of hire will beborne by the hirer)*

• Nationwide Allianz approved repairernetwork, includes a five year guaranteeon all repairs at competitive pricing.

• Claims business consultants providingaccess to a dedicated claims expert forlarger clients.

• Claims Tracking for larger clients – tokeep track of claims online.

• Dedicated UK based claims handlers.

• Excess and VAT funding solution,available to larger clients.*

* Subject to Policy cover and availability

Page 7: Allianz Insurance plc Motor Fleet - Allianz eBroker Insurance plc Motor Fleet Information including Policy Summary (pages 2-4)

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ACOM

798_11 11.17

www.allianz.co.uk Allianz Insurance plc. Registered in England number 84638.Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB, United Kingdom.

Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.Financial Services Register number 121849.