car insurance - ingenie® · car insurance for young drivers aged 17 to 25. ingenie is a specialist...

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Car insurancePolicy Wording

Claims helpline:0330 303 0021

Windscreen helpline:0330 303 0024

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Introduction to ingenie 3 - 4

Contract of insurance 5 - 6

Definitions 7 - 8

Policy cover 9

Important customer information 10 - 11

Your ingenie device 12 - 15

Summaryoffittingcharges 16

Whattodoifyouhaveanaccident 17

Broken windscreen & window glass 18

Whattodoifyouneedtomakeaclaim 19 - 20

Your cover

Section A – Damage to the car 21 - 22

Section B – Broken windscreen & window glass 23

SectionC–Fire&theft 24 - 25

HowtheinsurerwillsettleyourclaimundersectionsA&C 26 - 27

Section D – Medical expenses 28

Section E – Personal belongings 29

Section F – Personal accident 30

SectionG–Liabilitiestothirdparties 31 - 33

Section H – Using your car abroad 34 - 35

Section I – No Claims Discount 36

Section J – No Claims Discount protection 37

Section K – Replacement locks 38

Policy exclusion 39 - 40

Policy conditions 41 - 45

Data protection notice 46 - 49

Whattodoifyouhaveacomplaint 50 - 51

Vehicleidentitytheft 52 - 58

Contents

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Introduction to ingenieForthissectiononly,thiscontractisbetweenyou and Ingenie Services Limited.

Allthroughthissectiontherearecertainwordsprinted in bold.Thesewordshavespecialmeaningsthatareshowninthedefinitionssection on pages 7 and 8.

About ingenie

Car insurance for young drivers aged 17 to 25. ingenie is a specialist car insurance brand for younger drivers.

Thelatestin-cartelematicstechnologyisusedto assess your driving style. ingenie gives feedbackonhowyou drive at www.ingenie.comorviaafreemobilephoneapplication.

An ingenie device will be installed in the car. Thiscapturestelematics data on a range of drivingcharacteristicsincludingspeed,braking,acceleration and cornering.

ingeniecanhelpyou to be a better driver and influencethecostofyour car insurance. ingenie device

ingenie will arrange for a device to be fittedtothe car.Thisisaboutthesizeofamobilephoneandusesthelatesttelematicstechnology,includinghigh-speedaccelerometers,tocapturedataonhowthe car is driven. You must activate your ingenie driving feedbackaccounttoreceivefeedbackonhowyou aredriving,withusefultipsavailableonthefree ingenie app and at www.ingenie.com.

Feedbackmessagesaredesignedtohelpyou improve your driving style and become a better driver. Thetelematics data

Thetelematics datathatingenie collects from your ingenie device includes:

• Speedthroughoutyour journey

• Braking frequency and force

• Acceleration

• Cornering and sudden manoeuvres

• Miles travelled

• Thetypeofroutesyou take (e.g. A-roads,motorways,countrylanes)

• Time and date of travel

• The car’s GPS location

How ingenie uses your data ingenie will use your personal data as follows:

• ingeniewillpassthetelematics data from your ingenie device to your Insurertohelpthemtomanageyour insurance,includingusingthedataintheassessmentofliabilityofanyclaimsortoidentifythelocationofthe car followingatheftclaim.Thetelematics data will be used by your Insurer toevaluatewhetheryour premium shouldchange.

• ingeniewillpassthetelematics data to your insurertoallowthemtohelppreventfraud(includingsharingyour informationwithoperatorsofregistersusedbytheinsuranceindustrytocheckinformation).

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• ingenie may from time to time use adifferentinsurer to quote or to provide you withinsuranceandwillprovidethetelematics datatothatdifferentinsurer.

• ingenie may use your personal information to give you information aboutotherproductsandservicesofferedbyingenie. If you do not want ingenie to use your information for marketingpurposes,pleaseemail,writeortelephoneingenieusingthedetailsshownonanyofingenie’s letters or on our website, www.ingenie.com.

Looking after your ingenie device

ingenie will aim to install your ingenie device in the carwithin10daysofyour insurance policycommencing.Theingenie device remainsthepropertyofingenieandshallonlybecome your property after your insurance haslapsedorbeencancelled.

ingenie will not be responsible for any faults ordamageorthecostofreplacingtheingenie deviceifthefaultordamageiscausedbyyou or anyone appointed by you (suchasamechanic)oranyoneotherthaningenie or ingenie’s representatives.

Thisistheendoftheingeniesectionofthispolicy.Thefollowingpagescontainthedetailsoftheinsurancecoverprovidedbyyour insurer.

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Contract of insuranceIntroductionTheinformationyou provided,andthedeclaration you or anyone representing you agreedto,alongwiththispolicybooklet,your schedule and your certificate of motor insurance are all part of your policy. Please readthemalltogether.

If you or anyone representing you:

• Provides us withinaccurateorincorrectinformationwhenapplyingfor,changingorrenewingthisinsurance

• Deliberately misleads us to obtain cover,gainacheaperpremiumormorefavourable terms

• Makes a fraudulent payment by bank account and/or card

• Provides us withfalsedocuments

Forexample,thiscouldinclude:

• not telling us about motor or criminal convictions

• not telling us about previous accidents or losses,evenifaclaimwasnotmade

• not telling us about modifications to your car

• giving us falseinformationaboutwhoistheregisteredkeeperorownerofyour car

• giving us falseinformationaboutwhereyourvehicleiskeptovernight

• usingacreditcardwithoutthecreditcardholder’spermission

Thisisnotafulllistandifyou are in any doubt abouttheinformationyou haveprovidedto us thenpleasecontact us immediately.

We may:

• Agree to amend your policy and apply any relevant policy terms and conditions and collect any additional premium due including any premium adjustment chargetocover our administration costs

• Rejectaclaimorreducetheamountofpayment we make

• Cancel or avoid your policy (treat it as if itneverexisted),andapplyacancellationfee.

Wherefraudisidentified we will:

• Not return any premium paid by you• Recover from you any costs we’ve

incurred• Pass details to fraud prevention and law

enforcementagencieswhomayaccessandusethisinformation.Otherinsurers mayalsoaccessthisinformation

Thispolicyisacontractbetweenyou and us. It is not our intentionthattheContracts(RightsofThirdParties)Act1999givesanyoneelseeitheranyrightsunderthispolicyortherightto enforce any part of it.

In return for you paying or agreeing to paythepremium, we will provide cover undertheterms,exclusions,conditionsandendorsementsofthiscontractofinsurance,duringtheperiod of insuranceandwithinthegeographical limits.

UndertheRoadTrafficActitisanoffencetomakeafalsestatementorwithholdinformationforthepurposesofobtainingacertificate of motor insurance.

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You arerequiredbytheprovisionsoftheConsumerInsurance(DisclosureandRepresentations)Acttotakecaretoanswerallquestionshonestlyandtothebestofyour knowledge. Failure to supply accurate and complete answers may result in your policy being cancelled or treated as if it never existed,oryour claim rejected or not fully paid. If you areinanydoubtwhetherapieceof information is relevant to your answer, we willbehappytogiveyou advice.

You mustreadthispolicy,thecertificate of motor insuranceandthescheduletogether.

Pleasecheckalldocumentscarefullytomakesurethattheygiveyou thecoveryou want.

ThelawandlanguageapplicabletothispolicyEnglishlawwillapplytothiscontractunless we agreewithyou inwritingotherwise.ThecontractualtermsandconditionsandotherinformationrelatingtothiscontractwillbeinEnglishLanguage.

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Definitions

Throughoutthispolicycertainwordsandphrasesareprintedinbold.Thesehavethemeanings set out below.

Black messages

Black messages are created as a result of monitored driver behaviour and will be issued if the carisbeingdrivendangerously,suchasdriving30mphoverthespeedlimit,orifyou havereceivedmultipleredmessages.

Certificateofmotorinsurance

Theproofofthemotorinsuranceyou need by law.Thecertificate of motor insuranceshows:

1. whatcariscovered;2. whoisallowedtodrivethe car;and3. whatthe car can be used for.

Driverbehaviour

Your ingenie device will measure and transmit variousaspectsofhowthe carisdriven.Thesemeasurements will include (but are not limited to)thespeedthroughoutthejourney,brakingfrequencyandforce,acceleration,corneringandsuddenmanoeuvres,milestravelled,thetypesofroutestaken(e.g.A-roads,motorways,countrylanes),timeanddateoftravelandthe car’s location.

Thistelematics data will be used by us to determine driver behaviour.

Formoreinformationaboutthetelematics datathatwillbecollectedandhowitwillbeused please go to www.ingenie.com

Endorsement

Aclausethataltersthecoverprovidedbythepolicy.

Excess

Thepartofaclaimyou must pay. Sometimes morethanoneexcesscanapply,inwhichcase we willaddthemtogether.

Geographicallimits

GreatBritain,NorthernIreland,theIsleofMan,theChannelIslandsandwhilethe car is being transportedbetweenanyofthesecountries.

ingenie

Ingenie Services Limited.

ingenie device / device

Atelematicsboxfittedtothe carwhichtransmits telematics data to ingenie.

Market value

Thecostofreplacingthe carwithoneofasimilarage,type,mileageandcondition,immediatelybeforethelossordamagehappened.

Modifications

Anychangetoyour car’s original manufacturer specificationunlessitisanoptionalextrafittedatthetimeofmanufacture–forexample,adesignoptionliketintedwindowsthatischosenatpurchase.Changestotheseoptionalextrasafter factory manufacture are not allowed. Post-factorymodificationsinclude,butarenotrestrictedto,changestotheappearanceand/ortheperformanceofyour car,andincludechangesmadetoyour car by previous owners.

Thisisyour insurance policy. It is a contract of insurance between you and us.

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Partner

Your husband,wife,civilpartner,orpartner livingatthesameaddressasyou.

Period of insurance

Thelengthoftimethatthecontractofinsuranceappliesfor.Thisisshownintheschedule.

Schedule

Thelatestschedule we haveissuedtoyou. Thisformspartofthecontractofinsurance.Itgivesdetailsoftheperiod of insurance,the carwhichisinsuredanddetailsofanyexcesses or endorsements.

Selected installer

Any telematics devicefittingcompanythathasbeenauthorisedbyingenie to install or removetheingenie device from the car.

Statement of insurance

Theformthatshowstheinformationthatyou give us,includinginformationgivenonyour behalfandverbalinformationyou give prior tocommencementofthepolicy.

Telematics data

Information collected and transmitted by your ingenie devicethatenablesanalysisofdriver behaviour.

Terrorism

TerrorismasdefinedintheTerrorism Act 2000.

Thecar

Anymotorcarthatyou havegiven us details ofandforwhich we haveissuedacertificate of motor insurance. The car’s registration numberwillbeshownonyour latest certificate of motor insurance.

Accessories and spare parts are included in thedefinitionofthe carwhentheyarewiththe car or locked in your own garage.

We/Us/Our/Insurer

TheinsuranceCompanyasspecifiedinthestatement of insurance,theschedule andthecertificate of motor insurance on whosebehalfthisdocumentisissued. We/us/our can also mean ingeniewherethereisreferencetotheingenie device,Telematics data,Cancellingyour policy,SharingInformationandComplaintNotification.

You/your

Thepersonshownunder‘Policyholderdetails’ontheschedule.

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Policy coverYour scheduleshowsthesectionscoveredbyyour policy.Thesectionsapplicableareshownbelow:

Section CoverSection A: Damage to the car PSection B: Broken Windscreen and Window Glass PSectionC:FireandTheft PSection D: Medical Expenses PSection E: Personal Belongings PSection F: Personal Accident PSectionG:LiabilitiestoThirdParties PSection H: Using your Car Abroad PSection I: No Claims Discount PSectionJ:NoClaimsDiscountProtection(ifapplicable) PSection K: Replacement Locks P

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Important customer informationUnderpolicycondition9onpage44,you must tell us as soon as you become aware ofanychangestotheinformationsetoutinthestatement of insurance,Certificate of Insurance or on your schedule. You must also tell us aboutthefollowingchanges.

1. You sell the car,changethe car or its registrationnumber,oryou getanothercar.

2. Thereisanychangeofdrivers

3. Anyonewhodrivesthe car receives amotoringconviction,drivinglicenceendorsement,fixedpenaltiesorpendingprosecutionsforanymotoringoffences.

4. Anyonewhodrivesthe car develops ahealthcondition,whichrequiresnotificationtotheDVLA.

5. Ifthereisachangeinuseofyour car,forexample,you require business use.

6. Anyonewhodrivesthe carchangesjob,startsanewjob,includingpart-timework,or stops work.

7. The carischangedfromthemanufacturer’soriginalspecification Includingchangesto:audio/entertainmentsystem,bodywork,suspensionorbrakes,cosmeticchangessuchasalloywheelsandperformancechangese.g.enginemanagementorexhaustsystem

Thisisnotafulllist;allchangesmadefromthemanufacturer’sstandardspecificationmustbedisclosed. Intheeventofaclaimiftherearemodifications we are not aware of we may not pay your claim. If we do agree to pay your claim we willreturnthevehicletothemanufacturer’sstandardspecificationandwon’tmakegoodanychangeswherethe carhasbeenchangedfromthemanufacturer’sstandardspecification.Where we haveacceptedadeclared modification to your vehicle,intheeventoflossordamage, we reserve therighttoonlymakeacontributiontowardsthecostofreplacingorrestoringthemodification and will not replace or restorethemodification.

8. You take the carabroad,eitherformorethan14daysoroutsidetheEuropeanUnion.

9. You changeyour addressortheaddresswhereyou keep the carovernight.

10. Anyonewhodrivesthe carpassestheirdrivingtestorhastheirdrivinglicencerevoked.

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11. Anyonewhodrivesthe car receives a non motoring condition.

12. The carisinvolvedinanaccidentorfire,orsomeonesteals,damagesortriestobreak into it.

13. Anyonewhodrivesthe car is involved in anyaccidentorhasavehicledamagedorstolen.

14. Thereisachangetoyour estimated annual mileage.

15. Anyonewhodrivesthe carhasinsurancerefused,cancelledorspecialtermsapplied.

16. Thereisachangeofmainuserofthe car.

Iftheinformationprovidedbyyou is not complete and accurate:

• We may cancel your policy and refuse topayanyclaim,or

• We maynotpayanyclaiminfull,or• We mayrevisethepremiumand/or

changethecompulsoryexcess,or• Theextentofthecovermaybe

affected

If you areinanydoubtabouttheabovepleaseask.

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Your ingenie deviceBeforetheingenie device can be installed

You havetheresponsibilitytoensurethatyou havetheagreementofanybodywithalegalinterest in the cartothefittingofaningenie device.

Costofthedeviceanditsfitting

You willnotbechargedforyour firstingenie deviceoritsfittingprovidedyou do not cancel your policyduringtheperiod of insurance.

If you cancel your policywithinthefirst12 months of this policy,andtheingenie device isfitted,you will need to pay £175 to contribute towardsthecostofthedeviceanditsfitting. We reservetherighttodeductthis£175fromany premium refund due.

If you changeyour car we willnotremovetheingenie device from your previouscar,butyou will need a new ingenie device.

If you changeyour carwithintheperiod of insurance you willbecharged£80tocontributetothecostofanewdeviceandit’sfitting(£106ifyou changeyour car a second timeand£160foranysubsequentchangeofcar).

You willnotbechargedforanewingenie deviceoritsfittingifthe car is deemed a total lossafteraclaimorifthedevice is damaged in an incident involving a claim under your policy. You arenotliableforthecostoftransmittingdatatoandfromtheingenie device.

If your caralreadyhasaningenie device installed wewillattempttoreactivatethedevice. If successful we will begin to collect

your telematics datawithimmediateeffect,youwillbenotifiedthishasoccurred.

Timescaleoffitting

Theingenie devicemustbefittedwithin10days of your policycommencing,or10daysfromwhenyou notify us ofachangeofcar.Ifthedeviceisnotfittedwithinthesetimescales we reserve our righttocancelyour policy as per section 8 on page 42 and 43.

Theselected installerwillfittheingenie device at a mutually convenient time at (or near)your homeorplaceofworkorstudywithinmainlandGreatBritainandNorthernIreland,provideditissafetofitthedevice at theproposedplace.

Documentsrequiredforfitting

Onthedayofyour ingenie devicefittingyou mustpresentthefollowingdocumentstothefitteractingfortheselected installer:

• Vehicleregistrationdocument(V5C)• Your drivinglicencephotocard• Proof of No Claim Discount (if

appropriate).

If you need a new ingenie device because you havechangedyour carthenyou only need to supplytheselected installerwithyour driving licenceandVehicleRegistrationDocument(V5C).

No Claim Discount must be in your name,belessthan24monthsold,containthepreviouspolicynumberandexpirydateofthepreviouspolicy,indicatethenumberofyearsclaimfree,and detail any accidents.

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Damagecausedthroughfitting

If any damage is directly caused to your car becauseoftheingenie devicefittingthenitwill be repaired at no cost to you.

We will not be responsible for any depreciationinthevalueofthe car caused by thefittingoftheingenie device.

Thedevice

ingeniewillownthedeviceuntiltheinsurancehaslapsedorbeencancelled,afterwhichpointyou willownthedevice.

Ifthedevice is damaged due to you, or anyone acting on your instruction or on your behalf,maliciouslytamperingorinterferingwiththedevice,oryou deliberately prevent it fromworking, we reserve our righttocancelyour policy under section 8 on page 42 and 43.Ifthedeviceismaliciouslydamaged,ordeliberatelypreventedfromworking,andyou donotcoverthecostoffittinganewdevice then we reserve our righttocancelyour policy under section 8 on page 42 and 43.

You will be liable for any costs incurred throughrepairing,removingorreplacingthedevice. You will not be liable for manufacturer faults(see‘devicefaults’below).

Device faults

Shouldthedevice develop a fault ingenie will notify you and arrange a mutually suitable timetoreplacethedevice. You must allow ingenie,ortheirselected installer,accessto

your carwithin14daysofingenie notifying you ofthefault.Ifyou do not allow ingenie,ortheirselected installer,accesstoyour car withinthistimescalethen we reserve our rightto cancel your policy under section 8 on page 42 and 43.

Telematics data collection

ingenie will collect telematics data from the carthroughouttheperiod of insurance and will pass it to us. All telematics data transmittedtoandfromtheingenie device is secure.

Theingenie device will measure and transmit variousaspectsofhowthe car is driven. Thesemeasurementswillinclude(butarenotlimitedto)speedthroughoutjourneys,brakingfrequencyandforce,acceleration,cornering,andsuddenmanoeuvres,milestravelled,thetypeofroutestaken(e.g.A-roads,motorways,countrylanes),timeanddateoftravelandthe car’slocation.

We willusethetelematics data to determine driver behaviour. We mayalsousethetelematics data collected from your ingenie deviceintheassessmentofliabilityintheeventofaclaim,incalculatingyour premium,verifying your declared policy details,andin our statistical analysis.

ingenie will attempt to capture telematics dataatalltimesduringtheperiod of insurance. If telematics data is not collected foranyperiodoftheinsurance(forexampleforthefollowingreasons):

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• You driveanothercarwithoutaningenie device

• The carisdrivenintoageographicareanotcoveredbytheingenie device or wherethedevice cannot operate

• Theingenie device develops a fault or isdamagedbyaninsurableevent;thendriver behaviourforthisperiodmaynotberecorded.Thiswillnotaffectyour cover.

If telematics dataiscapturedforlessthan75%oftheperiod of insurancethenthismay impact our ability to use telematics dataincluding:notbeingabletousethetelematics data to assist in any claim you mayhaveortohelpcalculateyour premium.

If you allowotherdriverstousethe car duringtheperiod of insurance,pleasenotetheirdrivingwillhaveanimpactonthetelematics data collected by ingenie and could impact your premium.

Howtelematicscanaffectyour premium

We willassessthetelematics data from your ingenie device against our guidelinesthreetimes a year and at renewal to determine driver behaviour.

TheFAQsectionoftheingenie web site containsinformationabouthowyour premium may increase or decrease based on driver behaviour.

Your premium may increase or decrease duringtheperiod of insurance as a result of thedriver behaviour.

You must activate your driving feedback accountwithin10daysoffittingyour ingenie device.Failuretodothismayresultinyour policy being cancelled.

If after our assessment we considerthedriver behaviourtobesafethenyou may receive a discount on your premium,alternativelyifthedriver behaviour is considered to be unsafe thenyour premium may increase but only uptothemaximumpriceyou were quoted atinception,renewalorfollowingachangetoyour policy.

If as a result of driver behaviour you receive a black message we will monitor thedrivingperformanceandif we don’tseean improvement or if driver behaviour is consistentlypoorthen we reservetherightto cancel your policy under section 8 on page 42 and 43. We may cancel your policy under section 8 on page 42 and 43 if you drive at unacceptablyhighspeeds.

We will not wait until renewal to increase or decrease your premium;ifapplicabletoyou thiswillbedoneapproximately3timesduringtheyear(approximatelyevery90days). We will give you 7days’noticebeforeapplyinganychangestoyour premium.

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If you havealreadypaidyour annual premium and your premium decreases because of driver behaviour,you may receive a premium rebate. If you havealreadypaidyour annual premium and your premium increases because of driver behaviourthenyou maybeaskedtopaytheadditionalpremium immediately.

Thiswillbecollectedfromyour card details if you haveprovidedthem.

If you pay your premiumbymonthlyinstalmentsthenyour payment plan will beautomaticallyamendedtoreflectyour increased or decreased premium.

If as a result of your driver behaviour you receive a black messageinthe6 weeks before your renewaldate,whichhasnotbeen considered in your renewalcalculation, we may amend your renewal premium and/orchangethecompulsoryexcesswitheffectfromtherenewaldateorwithdrawtheinvitationtorenewyour policy. We will confirmthesechangestoyou in writing. We may cancel your policy,undersection8onpage42and43,ifyou drive at unacceptably highspeeds.

Coolingoffperiod

You havetherighttocancelyour policy under section 8 on page 42 and 43.

If you cancel your policywithin14daysfromeitherthestartdateofthepolicyorthedateyou receivethepolicydocuments,whichever

isthelaterdate,withinthefirst12monthsofthispolicy,andtheingenie devicehasbeenfitted,you will need to pay £175 to contribute towardsthecostoftheboxanditsfitting. We reservetherighttodeduct£175fromanypremium refund due.

Ifthepolicyiscancelled

Ifthepolicyiscancelledafterthecoolingoffperiodbutwithinthefirst12 months of this policy, you will need to pay £175 to contribute towardsthecostofthedeviceanditsfitting. We reservetherighttodeductthis£175fromany premium refund due.

Ifthepolicyiscancelled,orlapses,thedevice will remain in the car. ingenie will cease collecting telematics datawithin7daysofcancellation,orassoonaspossiblethereafter,meaningthedevice will not transmitanyfurthertelematics data to ingenie. Any telematics data collected remainsthepropertyofingenie,subjecttotherequirementsoftheDataProtectionAct(1998)andingenie’sDataProtectionNoticeonpage3,and our Data Protection Notice on pages46–49.

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Summaryoffittingcharges

1 If you miss an arranged ingenie devicefitting,repairorreplace-mentappointmentwithoutgiving us atleast24hours’notice £48

2 Firstchangeofcar(fittingnewingenie deviceinthisreplacementcar) £80

3 Secondchangeofcar(fittingnewingenie deviceinthissecondreplacementcar) £106

4 Subsequentchangeofcar(fittingnewingenie deviceinthis subsequentreplacementcar) £160

5 Feetocovertheingenie devicefittingifthepolicyiscancelled withinthefirstperiod of insurance £175

6 Replacing a faulty ingenie device £0

7 If the carismodified,converted,customisedorinanunfitstatetoinstall an ingenie device and we decidenottofitone £48

8 If you damageortamperwiththeingenie device, we reservetherighttocancelyour policyand/orchargeyou. £160

9 Removal of ingenie device at your request £85

Fittingchargesrelatingtoingenie device and document inspection

Therearenoadditionalcostsforfittingtheingenie devicethefirsttimeasthisisincludedinyour premium.

We maydebittheseadditionalpaymentsfromthedebitorcreditcarddetailsyou providedwhenyou boughtthispolicy.

If we donothaveyour creditordebitcarddetailsthenyou may be invoiced for any additional chargesandpaymentshouldbemadewithin14days.Failuretopaytheseadditionalfeeswhenrequested may result in your policy being cancelled.

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Whattodoifyou haveanaccident

Thelaw

If you are involved in any incident involving aninjurytoanyperson,orcertainanimals,orifothervehiclesorroadsidepropertyaredamaged,you must stop the car. If you own the car,you must give your name,addressandinsurancedetailstoanyonewhohasagood reason for asking. If you do not own the car,you mustgivetheowner’snameandaddressandtheregistrationnumberofthevehicle.

Ifthereisaninjuryoryou do not give your detailstoanyoneatthescene,you must reporttheincidenttothepolicewithin24hoursandpresentyour certificate of motor insurancetothemwithin5days.

Tohelp us withtheclaimsprocess

1. Do not apologise or admit fault.2. Trytocollectthefollowinginformationto

givetotheClaimsHelpline(seepage19).Thiswillhelp us to speed up your claim.

You must provide full details of

• Theotherdrivers,includingtheirphonenumbersandtheregistrationnumbersofallvehiclesinvolved.Thiswill allow us to contact anybody else involvedstraightawayand,ifyou are not at fault and we manage to recover anymoneypaid,infull,your no claim discountwillnotbeaffected.

• Injuries caused.

• Property damage.

• Witnesses(ifthereareany).

• Policeofficers’namesandreportreferences. You must provide full detailsofwhathappened.Takingphotoswithacameraormobilephonecanhelptoconfirmcertainaccidentdetails.

Next steps

Callthe24-hourClaimsHelpline(seefrontcover).

1. Therewillbeaphonenumberonallcorrespondence from us for you to call shouldyou need to contact us. Please remembertohaveyour policy number readywhenyou call.

2. Please remember to remove all personal belongings from the car before it is taken for assessment or repair.

3. Please see page 26 and 27 for details on how we will settle your claim for sections A or C.

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Broken windscreen & window glass

Whattodo

1. CalltheClaimsHelpline.Theirtelephonenumbercanbefoundonthefrontcoverofthispolicybooklet.Theywillarrangefortheglasstoberepairedorreplaced.If you phonethisnumberanduseoneof our chosenglasscompanies,coverisunlimited. If you donot,themost we will payis£100aftertakingoffanyexcess.

2. Repairing a windscreen or window instead of replacing it can save you paying a windscreen replacement excess,howeverarepairexcess will still be payable.AskwhencallingtheClaimsHelpline.

Asageneralrule,cracksuptofivecentimetres(twoinches)andbreaksthesizeofa£1coincan usually be repaired.

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Whattodoifyou need to make a claim

Calltheclaimshelplinenumberonthefrontcoverofthispolicybooklet.

TheClaimsHelplineisopen24hoursaday,365 days a year.

TheClaimsHelplineisafirst-responseservicewithoperatorswhocanconfirmwhetheryour policy covers you fortheincident.Remembertosavethisnumberinyour mobilephone(ifyou haveone)sothatyou willhaveitavailableif you haveanaccident.Alternativelyyou may be able to autodial if you havedownloadedtheingenie mobile app.

We may record or monitor calls for training purposes,toimprovethequalityof our service and to prevent and detect fraud.

Startoftheclaimsprocess

If the car is involved in an incident or you needtomakeaclaim,pleasetelephonetheClaims Helpline as soon as possible.

Tohelpdealwithyour callefficiently,pleasehaveyour certificate of motor insurance anddetailsoftheincidentwithyou whenyou call. If you areatthesceneoftheaccidentwhenyou calltheClaimsHelplineanddonothaveyour certificate of motor insurance withyou, please give the car registration number.

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Whattodoifyou need to make a claim

RepairsIf damage to the cariscoveredanditcanberepaired, we will arrange for one of our approved repairers to contact you to arrange to collect the car.

Authorisation You donotneedtogetanyestimates,andrepairscanbeginimmediatelyafter we haveauthorisedthem.

Delivery Whentheworkisdone,therepairerwillcontactyou to arrange a conven-ient time to deliver the car back to you.

Paying for repairs We willpaytherepairbill.Allyou need to do is pay any policy excess directlytotherepairerwhentheydeliverthe car back to you.

Keeping you mobilewhilethe car is being repairedwithinthegeographical limits

To keep you mobile,whileusinganapprovedrepairer,you will be offeredasmallcourtesycarwhilethe car is being repaired.

Once we havedecidedthatthe carcanbeeconomicallyrepairedbytheapprovedrepairerandifitcannotbedriven, we willprovidethecourtesycar(subjecttoavailability).

If the carcanstilllegallybedriven(inotherwordsitisroadworthy), we willdeliverthecourtesycarwhenthe car is collected for repairs.Whileyou havethecourtesycaryou willbeliabletopayfinesforanyparkingordrivingoffencesorcongestioncharges,andanyadditionalcostsforanynon-paymentofthesecharges.

If the car cannot be repaired

If the carisatotalloss(awrite-off),you mustsendinalltheoriginaldocuments we ask for on your reportform(forexample,thevehicleregistrationdocument(V5C)andthecurrentMOTcertificate). We will arrange for an appointed salvage agent to collect the car to dispose of it. Please remember to remove all your personal belongings the car before it is collected.

Repairserviceforanaccidentwithinthegeographicallimit

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Your cover

Whatisinsured Whatisnotinsured

1. We will pay for damage to the car caused by accidental or malicious damage,orvandalism.

2. We willalsocoverthecostofreplacing or repairing the car’s audio,navigationandentertainmentequipmentuptothefollowingamounts:

a.Unlimitedforequipmentfittedas originalequipmentbythemanufacturer;or

b.£300foranyotherequipment providedthisequipmentispermanentlyfittedtothe car.

To keep you mobile,withinthegeographical limitsonly, we willofferyou asmallcourtesycar,freeofcharge,whilethe car is being repaired by one of our approved repairers (subject to availability).Once we havedecidedthatthe car can be economically repaired by anapprovedrepairer,andifitcannotbedriven, we willprovidethecourtesycaronthenextworkingdayforaslongastherepairs take.

If the car can still be legally driven (in otherwords,itisroadworthy), we will deliverthecourtesycarwhenthe car is collected for repairs. See page 26 and 27 fordetailsofhow we will settle claims.

1. Theexcesses shownintheschedule;and you mustpaytheseamountsforeveryincidentthatyou claim for underthissection.

2. Loss of or damage to the car caused byfire,orbytheft.

3. Loss of use of the car.

4. Wear and tear.

5. Mechanical,electrical,electronicandcomputer failures or breakdowns or breakages.

6. Loss of or damage to the car caused by an inappropriate type or grade of fuel being used.

7. Damage to your tyres caused by braking,punctures,cutsorbursts.

8. Costs of importing parts or accessories or storage costs causedbydelays,wherethepartsor accessories are not available fromcurrentstockwithinthegeographical limits.

9. Anyamountoverthecostshowninthemanufacturer’slatestpriceguideplusfittingcostsinlinewiththosechargedby our approved repairer,foranylostordamagedpartsoraccessoriesifsuchpartsoraccessories are not available.

10. Lossofordamagetotelephoneorothercommunicationequipment.

11. The carlosingvalueafter,orbecauseof,repairs.

SectionA-Damagetothe car

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12. Any part of a repair or replacement whichimprovesyour car beyond itsconditionbeforethelossordamage took place

13. Loss of or damage to the car resulting from deception by a person pretending to be a buyer or actingonbehalfofabuyer.

14. The carbeingconfiscatedordestroyed by or under order of any government or public or local authority.

15. Loss of or damage to any radar detection equipment.

16. Lossofordamagetoanyaudio,navigation and entertainment equipmentunlessthisequipmentispermanentlyfittedtothe car.

17. Any damage to the car caused deliberately by you or any person drivingitwithyour permission.

18. Loss of or damage to the car caused by a person known to you taking the carwithoutyour permission,unlessthatpersonisreportedtothepolicefortakingthe carwithoutyour permission.

19. Lossofordamagetothe car caused by malicious damage or vandalismwhennooneisinitifanywindow,door,roofopening,removableroofpanelorhoodwasleftopenorunlocked;orthekeys(oranyotherdeviceneededtolockthe car)areleftinoronthe car.

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Your cover


1. Ifthewindscreenoranywindowglass in the carisbrokenduringtheperiod of insurance we willpaythecost of repairing or replacing it. We willalsopayforanyrepairtothebodyworkthathasbeendamagedbybrokenglassfromthewindscreenorwindows.

If you calltheWindscreenHelplineNumber and use one of our chosenglasscompanies,coverisunlimited.Ifyou donot,themost we willpayunderthissectionis£100aftertakingoffanyexcess.

Aclaimunderthissectiononlywillnotaffectyour no claim discount.

1. Theexcessshownonyour schedule foranyclaimiftheglassisreplacedor repaired.




5. Mechanical,electrical,electronicorcomputer failures or breakdowns orbreakagestosunroofandhoodmechanisms.

6. Repair or replacement of any windscreen or window unless it is made of glass.

Section B – Broken windscreen and window glass

24

Your cover


1. We will pay for loss of or damage to the carcausedbyfire,theftorattemptedtheft.

2. We willalsocoverthecostofreplacing or repairing the car’s audio,navigationandentertainmentequipmentuptothefollowingamounts:

a.Unlimitediftheequipmentisfittedasoriginalequipmentbythemanufacturer;or

b.£300foranyotherequipmentthatispermanentlyfittedtothe car.

Seepage26and27fordetailsofhow we will settle claims.

1. Loss of or damage to the carwhenno-oneisinitunlessallitswindows,doors,roofopeningsorhoodareclosed and locked and all keys or devices needed to lock the car are withyou orthepersonauthorisedtouse the car.

2. Theexcessesshownintheschedule;and you mustpaytheseamountsforeveryincidentthatyou claim for underthissection.


4. Wear and tear.

5. Mechanical,electrical,electronicandcomputer failures or breakdowns or breakages.




9. The carlosingvalueafter,orbecauseof,repairs.

SectionC–Fireandtheft

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10. Loss of or damage to the car resulting from deception by a person pretending to be a buyer or actingonbehalfofabuyer.

11. Loss of or damage to the car caused by a person known to you taking the carwithoutyour permission,unlessthatpersonisreportedtothepolicefortakingthe carwithoutyour permission.

12. The carbeingconfiscatedordestroyed by or under order of any government or public or local authority.

13. Loss from taking the car and returning it to its legal owner.


15. Any damage to the car caused deliberately by you or any person drivingitwithyour permission.

16. Lossofordamagetoanyaudio,navigation and entertainment equipmentunlessthisequipmentispermanentlyfittedtothe car.

17. Any part of a repair or replacement whichimprovesyour car beyond itsconditionbeforethelossordamage took place.

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Howtheinsurer will settle your claim under sections A or C

We willchoosewhethertorepairthe car or pay you acashamountequaltothecostofthelossordamage.Ifthe car cannot be drivenbecauseofdamagethatiscoveredunderthispolicy, we will pay for the car to be protectedandtakentothenearestapprovedrepairer.

If the car is economically repairable

If the car is repaired by one of our approved repairers,pleasesee“Repairserviceforanaccidentwithinthegeographical limits” on page 20.

You donotneedtogetanyestimates,asrepairs can begin immediately after we haveauthorisedthem.

We will arrange for one of our repairers to contact you to arrange to collect the car.If you do not want to use one of our approved repairers,you will need to send us an estimate for us toauthoriseand we may need to inspect the car. We reservetherighttoaskyou to obtain alternative estimates.

We willalsopaythecostsofdeliveringthe car backtotheaddressshownonyour current scheduleoranyotheraddresstheinsurer agreeswithyou.

You willhavetopayanypolicyexcess direct totherepairer.

Iftheconditionofthe carisbetteraftertherepairthanitwasjustbeforeitwasdamaged, we may ask you topayaproportionoftherepair cost.

Therepairercanuseparts,includingrecycledpartsthatcompareinqualitytothoseavailablefromtherelevantmanufacturer.

Where we haveacceptedadeclaredmodification to your vehicle,intheeventoflossordamage, we reservetherighttoonlymakeacontributiontowardsthecostofreplacingorrestoringthemodification and willnotreplaceorrestorethemodification. Iftherearemodifications we are not aware of, we may not pay your claim. If we do agree to pay your claim we willreturnthevehicletothemanufacturer’sstandardspecificationandwon’tmakegoodanychangeswherethe car hasbeenchangedfromthemanufacturer’sstandardspecification.

If the car is a total loss

Onceanengineerhasinspectedandassessedthemarket value of the car, we will send you anofferofpayment.

Ifthereisanyoutstandingloanonthe car, we maypaythefinancecompanyfirst.If our estimateofthemarket valueismorethantheamountyou owe them, we will pay you thebalance.If our estimateofthemarket valueislessthantheamountyou owe,you mayhavetopaythebalance.

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If the carisleasedoroncontracthire, we maypaytheleasingorcontracthirecompanyfirst.If our estimateofthemarket value is morethantheamountyou owe theleasingorcontracthirecompany,theamount we pay themwillsettletheclaim.

If our estimateofthemarket value is less thantheamountyou owe,you mayhavetopaythebalance.Anypayment we make for total loss will be after we havetakenoffanyapplicable policy excess.

Intheeventofatotalloss,anypayment we make will be after we havedeductedany applicable policy excesses (and any unpaidpremiumforthispolicy).Wherethemarket valueofthevehicleislessthanthecombination of voluntary and compulsory excessesonthepolicy, we will not make any offerofpayment.Whenyou accept our offerfortotalloss,the car will belong to us.Bypurchasingthispolicyyou agreethat we canhandleyour claiminthisway.

Replacement car

We willnotpaymorethanthemarket value of the car unless:

1. thelossordamagehappensbeforethe carisayearold;and

2. you areitsfirstandonlyregisteredkeeper;and

3. you haveownedthe car(orithasbeenhiredtoyou underahire-purchaseagreement)sinceitwasfirstregisteredasnew(oryou arethe

secondownerandthefirstowneristhemanufacturerorsupplyingdealerand delivery mileage is under 250 miles);and

4. thecostofrepairisvaluedatmorethan60%ofthecostofbuyinganidenticalnewcaratthetimeofthelossordamage(basedontheUKlistprice);and

5. the carwassuppliedasnewwithinthegeographical limits.

Inthesecircumstances,ifyou ask us to, we will replace the car(andpaythedeliverychargestotheaddressshownonyour current scheduleoranyotheraddress we agreewithyou)withanewcarofthesamemake,modelandspecification.

Ifareplacementcarofthesamemake,modelandspecificationisnotavailable we will,wherepossible,provideasimilarcarofidentical list price

We willonlydothisif:1. We canbuyacarstraightawaywithin

thegeographical limits;and2. We havepermissionfromanyonewho

we knowhasfinancialinterestinthe car.

We mayagreetosettletheclaimonacashbasis and if we dothemost we willpayisthemarket value of the car and its standard accessoriesatthetimeofthelossordamage.

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Your cover


1. If you or anyone in the car is injured in an accident involving the car, we will pay up to £100 in medical expensesforeachinjuredperson.

1. Nocoverisprovidedunderthissectionifthepolicyisheldinthenameofacorporateorganisation,acompanyorafirm.

Section D – Medical expenses

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Your cover


1. We will cover personal belongings in the carthatarelostordamagedfollowinganaccident,fireortheftinvolving the car. You are covered forthecostoftheitem,lessanamount for wear and tear and loss of value.

1. Morethan£100foreachincident.

2. Anygoods,toolsorsamplesthatare carried as part of any trade or business.


4. Money,stamps,tickets,documentsandsecurities(suchasshareorbondcertificates).

5. Lossordamagewhennooneisinthe carunlessallitswindows,doors,roofopeningsorhoodareclosedand locked and all keys or devices needed to lock the cararewithyou orthepersonauthorisedtousethe car.


Section E – Personal belongings

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Your cover


1. If you or your partner are accidentallykilledorinjuredwhilegettinginto,travellinginorgettingout of the car(oranyotherprivatecarthatyou donotown), we will pay thefollowing:

a.Fordeath–£2,500.

b. For total and permanent loss of sightinoneeye–£1,500.

c. For total and permanent loss (at or abovethewristorankle)ofonehandoronefoot–£1,500.

We willonlypaytheseamountsifthecauseofthedeathorinjuryisanaccidentinvolvingacarandthedeathorlosshappenswithin3monthsoftheaccident

Thiscoveralsoappliestoanypassengerwhoisgettinginto,travellinginorgettingout of the car(aslongasthereisapassengerseatforthatperson).

1. Nocoverisprovidedunderthissectionifthepolicyisheldinthenameofacorporateorganisation,acompanyorafirm

2. Deathorinjurycausedbysuicideorattempted suicide.

3. Deathoforlosstoanypersondrivingatthetimeoftheaccidentwhoisfoundtohaveahigherlevelofalcoholordrugsintheirbodythanisallowed by law.

4. Deathoforinjurytoanypersonnot wearingaseatbeltwhentheyhaveto by law.

5. Morethan£10,000foranyoneaccident.

6. Morethan£2,500toanyonepersonfor any one accident.

If you, or your husband,wifeorcivilpartner,havemorethanonecarinsurancepolicywithus, we will only pay under one policy.

Section F – Personal accident

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Your cover


We willcoverlegalliabilityforthedeathof or injury to any person and damage to property caused by or arising out of:

Cover for you1. You using the car.

2. You using a motor car not belonging to you andnothiredtoyou under a hire-purchaseagreementorleasedto you underaleasingagreement,providedthat:

a. you are aged 25 or over

b. your current certificate of motor insurance allows you todoso;and

c. you havetheowner’spermissiontodoso;and

d. you stillhavethe carandithasnotbeen damaged beyond economical repair nor been stolen and not recovered;and

e.themotorcarisregisteredwithinthegeographical limits;and

f. you arenotusingthemotorcaroutsideofthegeographical limits;and

g. you arenotinsuredunderanyotherinsurancetodrivethemotorcar.

h.thereisacurrentandvalidpolicyofinsuranceheldforthatmotorcarinaccordancewiththeRoadTrafficActs.

1. Any amount wehavenotagreedtoin writing.

2. Deathoforinjurytoanyofyour employeesduringthecourseoftheirwork,evenifthedeathorinjuryiscausedbyanyoneinsuredbythispolicy.

3. Loss of or damage to property owned byorinthecareofthepersonwhoisclaimingcoverunderthissection.

4. Anylossofordamagetoavehicle,trailer,trailercaravanorbroken-downvehiclecoveredbythispolicy.

5. Any claim for pollution or contamination,unlessitiscausedbyasudden,identifiableeventwhichwas unintended and unexpected and happenedatonespecifictimeandplace.

6. Anyamountover£1million,forany one pollution or contamination event.

7. Any amount over £20 million for any one claim or series of claims arising fromoneeventthatcauseslossofordamagetoproperty,includinganyindirectlossordamage.Thislimitincludes all costs and expenses.

However,wewillmeettherequirementsof any compulsory motor insurance legislation.

SectionG–Liabilitiestothirdparties

32

3. You using the car to tow any single trailer,trailer-caravanorbroken-downvehiclewhileitisattachedto the carandifallowedbylaw,provided it is not being towed for hireorreward.

Coverforotherpeople1. Any person driving the carwith

your permission (as long as your certificate of motor insurance showsthatheorsheisallowedtodrive the car).Thepersondrivingmust not be excluded from driving the car by any endorsement,exception or condition.

2. Anypersonusing(butnotdriving)the car,withyour permission,forsocial,domesticandpleasurepurposes.

3. Anypassengerin,gettingintoorgetting out of the car.

4. Any person using the car,withyour permission (as long as your certificate of motor insurance showsthatheorsheisallowedto drive the car)totowanysingletrailer,trailer-caravanorbroken-downvehiclewhileitisattachedto the carandifallowedbylaw,provided it is not being towed for hireorreward.

We will also pay:1. solicitors’feesforrepresentation

atanycoroner’sinquest,fatalaccident inquiry or magistrates court (including a court of equal statusinanycountrywithinthegeographical limits);

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2. legalcostsfordefendingachargeofmanslaughterorcausingdeathby dangerous or careless driving caused by an accident covered underthispolicy;

3. anycostsandexpensesforwhichyour employer or business partner is legally liable as a result of you using the carfortheirbusiness;

4. anyothercostsandexpensesforwhich we havegiven our written permission;and

5. ChargessetoutintheRoadTrafficActs.

Ifanyonewhoisinsuredbythissectiondieswhiletheyareinvolvedinlegalaction, we willgivethesamecoverastheyhadtotheirlegalpersonalrepresentatives.

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Your cover


1. We will cover your minimum legal liabilitytootherswhileyou or any otherdrivercoveredbythispolicyand allowed to drive on your current certificate of motor insurance are using the carwithintheEuropeanUnionandanyothercountrywhichtheCommissionoftheEuropeanCommunitiesissatisfiedhasmadearrangementsunderArticle(8)ofECDirective2009/103/ECrelatingtocivilliabilitiesarisingfromtheuseofamotorvehicle.Thiscoveristheminimumrequiredtocomplywiththelawsofcompulsoryinsuranceformotorvehicles.You do not need an International Motor Insurance Card(GreenCard)forvisitstothesecountries.FurtherinformationonthecountriesthatfollowtheaboveEU directive can be found by visiting www.mib.org.uk.

2. We willalsoprovidethecovershownon your schedule for up to a total of 14 days in any period of insurance whileyou or any driver covered by thispolicyandallowedtodriveonyour current certificate of motor insurance are using the carwithinthecountriesreferredtoabove,provided your main permanent residenceisinthegeographical limits.

1. If your certificate of motor insurance allows you to drive any othervehicle,thatcoverdoesnotapplyoutsideofthegeographical limits.

2. AnythingnotcoveredunderArticle(8)oftheEUDirective2009/103/ECrelating to civil liabilities arising from theuseofamotorvehicle.

3. Normal policy exclusions apply.

Section H – Using your car abroad

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3. If you want to extend your policy togivethesamecovertoacountryoutsidethecountriesreferredtoabove,you must:

a. tell us before you leave get our written agreement to cover you in thecountriesinvolved;and

b. pay any additional premium we ask for.

If we agree to your request, we will issue you withanInternationalMotorInsuranceCard(GreenCard),ifitisalegalrequirementofthecountryyou are visiting,aslegalevidenceofthiscover. We will also pay customs duty if the car is damaged and we decide not to return itafteravalidclaimonthepolicy.

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1. Aslongasaclaimhasnotbeenmadeduringtheperiod of insurance immediately before your renewal, we will include a discount in your renewalpremium,inaccordancewith our No Claim Discount scale applicableattherenewaldate.You maynottransferthisdiscounttoanyotherperson.

2. Ifaclaimismadeduringtheperiod of insurance, we may reduce your no claim discount in accordance withtheNoClaimsDiscountscaleapplicableatrenewal.Thefollowingclaims will not reduce your No Claims Discount:

• Claims made under Section B for a broken windscreen or window glass

• Claims made under Section G for emergencytreatmentcharges

Section I – No Claim Discount

Your cover

37


You will not lose any of your No Claim Discount as long as:1. nomorethantwoclaimsaremade

inanyperiodofthreeyears;and

2. you havepaidanyextrapremium we ask for.

After a second claim is made in any three-yearperiod,thispolicysectionwillnolongerapplyandanyfurtherclaimswillresultinthelossofsomeorallofyour No Claim Discount.

Theprotectionprovidedunderthissection only applies to your No Claim Discount. It does not protect your premium and you mayhavetopayahigherpremiumorexcess if any claims are made.

Section J – No Claim Discount protection

Your cover

38


1. Ifthekeys,locktransmitterorentrycard for a keyless entry system of the cararelostorstolen, we will payupto£500towardsthecostofreplacing:

a.allentrylocksthatcanbeopenedbythemissingitem;

b.thelocktransmitter,entrycardandcentrallockingsystem;and

c.theignitionandsteeringlock;aslong as we aresatisfiedthatanypersonwhomayhaveyour keys,transmitterorcard,knowstheidentity or garage address of the car.

2. We willalsopaythecostsofdelivering the car back to your addresswhenthedamagehasbeenrepaired,usingthemostpracticalandcost-effectivemethod.

1. Thefirst£100ofanyclaim;or

2. Anyclaimwherethekeys,locktransmitterorentrycardareeither:

a. left in or on the caratthetimeoftheloss;or

b.takenwithoutyour permission by a member of your immediate family or a person living in your home.

Section K – Replacement locks

Your cover

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Policy exclusions1. We will not cover claims arising directly or

indirectlyfromanyofthefollowing: a. The carbeingdrivenby,orbeinginthechargeof,someonewhoisnotdescribedin your certificate of motor insurance as entitled to drive. b. The carbeingdriven,withyour permission,byanyonewhoyou know doesnotholdavaliddrivinglicenceorisdisqualifiedfromdriving.However, we willstillgivecoverifthepersonusedtoholdalicenceandisallowedtoholdoneby law. c. The carbeingdrivenbysomeonewhodoesnotmeetalltheconditionsoftheirdriving licence. d. The car being used for a purpose thatisnotcoveredinyour certificate of motor insurance.Howeverthisexclusionwillnotapplywhilethe car is withamemberofthemotortradeforservicing or repair.

2. If you receive any payment for giving people lifts in the car,theInsurancePolicy is not valid if: a. The car is made or altered to carry morethaneightpeopleincludingthedriver. b. You arecarryingthepassengersaspart of a business of carrying passengers. c. You aremakinganyprofitfromthepayments you receive.

3. We willnotpayforloss,damage,injuryor legal liability if it is caused directly or indirectlybythefollowing: a. Ionising radiation or radioactive contamination from any nuclear fuel or any nuclear waste arising from burning nuclear fuel. b.Theradioactive,poisonous,explosiveorotherdangerouspropertiesofanyexplosive nuclear equipment or part of thatequipment. c. Pressure waves caused by aircraft (and otherflyingobjects)travellingatanyspeed. d.War,invasion,actofforeignenemy,hostilities(whetherwarbedeclaredornot),civilwar,rebellion,insurrectionormilitary or usurped power. e. Acts of terrorism.

4. We will not pay claims arising directly or fromearthquakes,riotorcivildisturbanceoutsideGreatBritain,theIsleofManortheChannelIslands.

5. We will not pay for any liability you accept under an agreement or contract unless you wouldhavebeenlegallyliableanyway.

6. Anydecisionoractionofacourtwhichisnotwithinthegeographical limits isnotcoveredbythispolicyunlesstheproceedingsarebroughtorjudgementis given in a foreign court because the carwasusedinthatcountryand we hadagreedtocoveritthere.

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7. We will not pay any claims arising directly or indirectly from any car being in a place usedforthetake–off,landing,parkingormovementofaircraft,includingtheassociatedserviceroads,refuellingareas,groundequipmentparkingareasandthepartsofpassengerterminalsofinternationalairportswhichcomewithinthecustomsexaminationareaoranypartofairportpremisestowhichthepublicdoesnothavevehicularaccess.

8. If the carhasbeenmodified,convertedorcustomisedtoalterthemanufacturer’soriginalspecificationeithermechanicallyorbodily,includingnon-standardfitalloywheels,bodykit,spoilers,etc.,orinanywayhasitsappearancealteredandthishasnotbeendeclaredto us andhasnotbeenacceptedbyus,thencoverwillnotbeprovided.Pleasenotethisdoesnotrefer to manufacturer options.

9. Therewillbenocoverifthe car was not madefortheUKmarket.AnycarthathasbeensubjecttoacategoryAorBinsurancewriteoffwillnotbecovered.

10. Anyofthefollowingusesofthe car are not covered:

• racing• pace-making• competitions• rallies or track days• trials or tests• anyotheroffroadeventnotspecified

above

11. We will not provide cover for any person drivingatthetimeoftheincidentwhoisfoundtohaveahigherlevelofalcoholordrugsintheirbodythanisallowedbylaw.

12. We will not provide cover for a person drivingatthetimeoftheincidentwhoisconvicted for failure to provide a specimen whenrequestedbypoliceorotherofficialbody.

13. We will not provide cover for any person convicted of driving the carwhilstusingamobilephoneatthetimeoftheincident.

14. We will not provide cover if the car is carryingmorepassengersthantheseatingcapacity of the car.However, we will meettherequirementsofanycompulsorymotor legislation.

15. The car being used to race against anothermotorist,“roadrage”oranydeliberate act caused by you or any person driving the car.

16. No cover is provided and we will not be liable to make any payment or provide any benefitunderthis policy wheredoingsowould expose us toanyfinancialsanctionorbreachanyprohibitionorrestrictionimposedbylaworregulation.Whereanysuchsanction,prohibitionorrestrictionapplies wemaycancelthis policy immediately by sending a letter to your preferredcommunicationmethodorlastknown address.

You maybeentitledtoapro-ratarefundofthepremiumprovidingyouhavenotmadeaclaimonthe policy andthatanypayment or refund does not expose us to anysanctionorbreachanyprohibitionorrestriction imposed by law.

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Policy conditions1. How to claim

PleasephonetheClaimsHelplineassoonaspossibletoreporttheclaim.

TheClaimsHelplinenumbercanbefoundonthefrontcoverofthispolicybookletorvia our mobile app.

You must send us anyletter,claim,writorsummons as soon as you receive it. You must also let us knowstraightawayifyou or your legaladvisersknowofanyprosecution,inquestorfatalaccidentinquirythatmightbecoveredunderthispolicy.

2.Dealingwithclaims

You oranyotherpersonwhoclaimsunderthispolicymustnotnegotiate,admitfaultormakeanypayment,offerorpromiseof payment unless you have our written permission.

Indealingwithyour claim,underthetermsofthispolicy we may:

a.defendorsettleanyclaimandchoosethesolicitorwhowillactforyou in any legalaction;and

b. take any legal action in your nameorthenameofanyotherpersoncoveredbythispolicy.

We candoanyoftheseinyour nameorinthenameofanypersonclaimingunderthispolicy.Anyonewhomakesaclaimunderthispolicymust give us any reasonable information we ask for.

3. Compulsory insurance

Ifthelawofanycountrysays we must make apaymentthat we wouldnototherwisehavepaid,you mustrepaythisamounttous.

4.Otherinsurance

Ifanyincidentthatleadstoavalidclaimiscoveredunderanyotherinsurancepolicy, we will only pay our shareoftheclaim.

5. Taking care of your car

Anyonecoveredbythispolicymusttakeallreasonablestepstheycantoprotectthe car,andanythinginorattachedtoit,againstlossordamage.(Thisincludesmakingsurethatthe carhasallitswindows,doors,roofopeningsorhoodclosedandlocked,andallkeys or devices needed to lock the car are withyou orthepersonauthorisedtousethe carwhenno-oneisinit.)The car must be kept in good working order. You must ensure you haveavalidDepartmentforTransporttestcertificate(MOT)foryour car if one is needed by law. We may examine the car at any time.

6.Keepingtothetermsofthepolicy

We will only pay claims if:

a.anypersonclaimingcoverhasmetallthetermsofthepolicy,asfarastheyapply;and

b.thedeclarationandinformationgivenontheproposalorshowninthestatement of insurance is complete and correct as far as you know.

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7. Claims fraud

If you or anyone acting on your behalf:• Makesaclaimorpartofaclaimthatis

false or fraudulent

• Exaggeratestheamountofaclaim

• Provides us withfalseormisleadingstatements or false or invalid documents to support a claim

We may:• Rejecttheclaimorreducetheamountof

payment we make

• Cancel your policyfromthedateofthefraudulentactandnotreturnanypremium you havepaid

• Recover from you any costs we’ve incurredrelatingtothefraudulentclaimandanyfurtherclaimsnotifiedafterthefraudulent act

8. Cancelling your policy

a.Coolingoffperiod-you have14daysfromwhenyou receivethepolicydocumentsorthepurchasedateofthepolicy,whicheverislater,tocancelthecover.Thisisknownasacoolingoffperiod.You cancancelbyphoningus.

If you cancel your policyandcoverhasnotyetstarted, we will refund any premium paid infull.Ifcoverhasstarted,you willhavetopayforanyperiodofcoverthathasbeenprovided.

If you cancel your policywithin14daysfromeitherthestartdateofthepolicyorthedateyou receivethepolicydocuments,whicheveristhelaterdate,withinthefirst12monthsofthispolicy,andtheingenie devicehasbeenfitted,you will need to pay £175 to contribute towardsthecostoftheboxanditsfitting. We reservetherighttodeduct£175fromanypremium refund due.

Ifanyclaimhasbeenmadeorifanyonewhomaybeentitledtocoverunderthispolicyisawareofanycircumstanceshavingoccurredwhichmightgiverisetoaclaimduringtheperiod of insuranceandtheclaimisnotclosed as non fault (a non fault claim is one where we havebeenabletorecoverfullcostsandlosses),you mustpaythefullannualpremium and you will not be entitled to any refund.

If you do not cancel your policyduringthecooling-offperiod,itwillremaininforceandyou willberequiredtopaythepremiumfortheperiod of insurance.

Cancelling any direct debit instruction does not mean you havecancelledthepolicy.You willstillneedtofollowtheinstructionsabove.If you are paying by instalments you may still haveanobligationtomakepaymentsunderyour credit agreement.

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b.Afterthe14-daycoolingoffperiodyou can cancelthispolicyatanytimebyphoningus.Ifnoclaimshavebeenmadeduringthecurrent period of insurance we willchargeyou fortheperiodofcoverthathasbeenprovided and refund you for any cover you havepaidforbuthaven’tused.

If you cancel your policywithinthefirst12monthsofthispolicyandtheingenie device hasbeenfitted,you will need to pay £175 to contributetowardsthecostoftheboxanditsfitting. We reservetherighttodeductthis£175 from any premium refund due.

Ifanyclaimhasbeenmadeorifanyonewhomaybeentitledtocoverunderthispolicyisawareofanycircumstanceshavingoccurredwhichmightgiverisetoaclaimduringtheperiod of insuranceandtheclaimisnotclosed as non fault (a non fault claim is one where we havebeenabletorecoverfullcostsandlosses),you mustpaythefullannualpremium and you will not be entitled to any refund.

Cancelling any direct debit instruction does not mean you havecancelledthepolicy.You willstillneedtofollowtheinstructionsabove.If you are paying by instalments you may still haveanobligationtomakepaymentsunderyour credit agreement.

c. We,oranagentprovidingserviceson our behalf,cancancelthispolicybysendingyou7days’noticewherethereisavalidreasonfordoing so.

Valid reasons may include but are not limited to:

• Iftheinformationprovidedbyyou to us is not complete and accurate

• Ifthedevice is damaged due to you, anyone appointed by you, or any one acting on your behalfmaliciouslytamperingorinterferingwiththedevice,or you deliberately prevent it from working

• If your ingenie driving feedback account hasnotbeenactivated

• If driver behaviour is consistently poor or if you driveatunacceptablyhighspeeds

• If you default on your instalment payments

• If you submit a fraudulent claim or we suspectfraudonthisoranyotherpolicyyou havewithus.

• If you, a person acting on your behalf,or any person covered to drive the car usesthreatening,intimidatingorabusivebehaviourorlanguagetowards our staff,suppliers or agents acting on our behalf

Ifnoclaimhasbeenmade,orifthereisaclaimclosed as non fault (a non fault claim is one where we havebeenabletorecoverfullcostsandlosses)andneitheryou noranyonewhomaybeentitledtocoverunderthispolicyisawareofanycircumstanceshavingoccurred,

44

whichmightgiverisetoaclaimduringtheperiod of insurance we will refund a percentageofthepremiuminproportiontotheperiod of insurance left unused.

If you are paying by instalments you may still haveanobligationtomakepaymentsunderyour credit agreement.

d. You must make sure your instalments are kept up to date. If an instalment payment is not received and we havereappliedforpayment at least once we will give you 7days’noticeofcancellationinwriting.Thisnoticewillbe sent to yourpreferreddeliverymethodoryourlastknownaddress.Thepolicywillendafterthegivennoticeexpires.Ifaclaimhasarisenduringthecurrentperiodforwhich we havemadeapaymentandnotrecoveredwhat we havepaidout,thefullannualpremiumwillbe required.

We reservetherighttocancelyour policy in theeventthatthereisadefaultininstalmentpayments due under any credit agreement. If you pay your premiummonthly,coverunderthispolicywillendifyou do not pay any monthlypremiumwhenitisdue.However we will send a letter to your preferred delivery methodoryour last known address and give you theopportunitytopaythepremiumwithin7days.

9.Changesyou must tell us about

You must tell us as soon as you become awareofanychangestotheinformationset

outintheStatement of insurance,Certificateof Insurance or on your Schedule. You must also tell us aboutthefollowingchanges.

1. You sell the car,changethe car or its registrationnumber,oryou getanothercar.

2. Thereisanychangeofdrivers.

3. Anyonewhodrivesthe car receives amotoringconviction,drivinglicenceendorsement,fixedpenaltiesorpendingprosecutionsforanymotoringoffences.

4. Anyonewhodrivesthe car develops ahealthcondition,whichrequiresnotificationtotheDVLA.

5. Ifthereisachangeinuseofyour car for example,you require business use.

6. Anyonewhodrivesthe carchangesjob,startsanewjob,includingpart-timework,or stops work.

7. The carischangedfromthemanufacturer’soriginalspecification.Includingchangesto:audio/entertainmentsystem,bodywork,suspensionorbrakes,cosmeticchangessuchasalloywheelsandperformancechangese.g.enginemanagementorexhaustsystem.

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Thisisnotafulllist;allchangesmadefromthemanufacturer’sstandardspecificationmustbedisclosed.

Intheeventofaclaim,iftherearemodifications we are not aware of we may not pay your claim. If we agree to pay your claim, we willreturnthevehicletothemanufacturer’sstandardspecificationandwon’tmakegoodanychangeswherethe car hasbeenchangedfromthemanufacturer’sstandardspecification.Where we haveaccepted a declared modification to your vehicle,intheeventoflossordamage, we reservetherighttoonlymakeacontributiontothecostofreplacingorrestoringthemodification and will not replace or restore themodification.

8. You take the carabroad,eitherformorethan14daysoroutsidetheEuropeanUnion.

9. You changeyour addressortheaddresswhereyou keep the carovernight.

10. Anyonewhodrivesthe carpassestheirdrivingtestorhastheirdrivinglicencerevoked.

11. Anyonewhodrivesthe car receives a non-motoringcondition.

12. The carisinvolvedinanaccidentorfire,orsomeonesteals,damagesortriestobreak into it.

13. Anyonewhodrivesthe car is involved in anyaccidentorhasavehicledamagedorstolen.

14. Thereisachangetoyour estimated annual mileage.

15. Anyonewhodrivesthe carhasinsurancerefused,cancelledorspecialtermsapplied.

16. Thereisachangeofmainuserofthe car.

Iftheinformationprovidedbyyou is not complete and accurate:

• We may cancel your policy and refuse to payanyclaim,or

• We maynotpayanyclaiminfull,or• We mayrevisethepremiumand/or

changethecompulsoryexcess,or• Theextentofthecovermaybeaffected.

If you areinanydoubtabouttheabovepleaseask.

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Data protection noticeThisnoticecontainsimportantinformationabouttheuseofyour personal information. Pleasemakesurethatyou readthisnoticecarefully.Inthisnotice we and us and our meanstheinsuranceintermediaryasspecifiedon your policydocuments,ingenie,theinsurer named in your current schedule,certificate of motor insurance and statement of insurance,andanyholdingcompanies,subsidiariesorlinkedcompanies.‘Personalinformation’meansanyinformationgiven to us about you, by you or anyone else inconnectionwiththeparticularserviceorproductthat we are providing to you. It also includes telematics data.

BytakingoutthisInsurancePolicy,you confirmthat we may use your personal informationinthewaysoutlinedinthisnotice.Asthetermsofthisnoticewillalsoapplytoanyone else insured under your policy,you shouldalsoshowthisnoticetoanyoneelsewhosenameyou give to us,inconnectionwithyour insurance policy.

Your privacy is very important to us. We promise to respect and protect your personal informationandtrytomakesurethatyour details are accurate and kept up to date. You canhelp us dothisbyletting us know wheneveryour personaldetailschange.Thewayinwhichyour personal information iscollected,heldandusedby us complies withalllegalrequirements,particularlyasisrequiredbytheDataProtectionAct1998.

Motor Insurance Database

Information relating to your insurance policywillbeaddedtotheMotorInsuranceDatabase(“MID”)managedbytheMotorInsurers’Bureau(“MIB”).MIDandthedatastored on it may be used by certain statutory and/orauthorisedbodiesincludingthePolice,theDVLA,theInsuranceFraudBureauandotherbodiespermittedbylawforpurposesnot limited to but including:

1. Electronic Licensing.

2. Continuous Insurance Enforcement.

3. Lawenforcement(prevention,detection,apprehensionand/orprosecutionofoffenders).

4. Theprovisionofgovernmentservicesand/orotherservicesaimedatreducingthelevelandincidenceofuninsured driving.

5. If you areinvolvedinaroadtrafficaccident(eitherintheUK,theEEAorcertainotherterritories),insurersand/ortheMIBmaysearchtheMIDtoobtain relevant information.

Persons(includinghisorherappointedrepresentatives)pursuingaclaiminrespectofaroadtrafficaccident(includingcitizensofothercountries)mayalsoobtainrelevantinformationwhichisheldontheMID.

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ItisvitalthattheMIDholdsyour correct registrationnumber.IfitisincorrectlyshownontheMIDyou areatriskofhavingyour vehicleseizedbythePolice.You cancheckthatyour correct registration number details areshownontheMIDat www.askmid.com.

How we use your personal information

We willusepersonalinformation,whichhasbeen given to us to manage your Insurance Policy,includinghandlingunderwritingandclaims and issuing policy renewal documents to you.Theseactivitiesmayinvolve us releasingpersonalinformationtootherInsurers,regulatoryauthoritiesoragentsproviding services on our behalf.

We will also use your information to assess your insurance application and provide information to credit reference agencies.

To determine premium payment rates at quote and renewal and/or any future invitations,wemaymakechecksontheelectoralrollandpublicdatathroughacreditreferenceagency.Theseenquirieswillberecordedbutwillnotaffectyour credit rating.

We may use your personal information andtheinformationaboutyour use of our productsandservicestocarryoutresearchand analysis about our productsandservices,as well as to service your needs in connection withyour policy. We mayusee-mail,telephone,postorothermeanstodothis.

If you do not want us to use your information formarketingpurposespleasecallthe

customerservicenumbershownonyour policy documents. You may contact us at any time to give notice to stop data being used for marketing purposes.

We will only release your personal informationtoothersif:

1. We needtodothistomanageyour policywith us (assetoutabove).

2. You havegivenpermissiontoreceivepromotional material.

3. You havegivenpermissiontobecontactedinconnectionwithanyresearchoranalysisthat we are carryingout(asmentionedabove).

4. We need to prevent fraud (as mentionedbelow).

5. We are required or permitted to do thisbylaw(forexample,if we receive alegitimaterequestfromthepoliceoranotherauthority).

6. Thereareanyothercircumstanceswhereyou havegivenyour permission.

7. To prevent or detect crime including fraud.

If we changethewaythat we use your personalinformation, we will write to you to let you know. If you donotagreetothatchangeinuse,you must let us know as soon as possible.

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We may (and we mayworkwiththirdpartiesto)checkyour personal information against dataheldaboutyou andusethisinformationwhencalculatingyour premium(suchchecksmayincludecreditchecking).

If you requiremoreinformationontheDataProtection Act you mayalsowritetotheofficeoftheinformationcommissionerat:

WycliffeHouseWater LaneWilmslowCheshireSK95AF.

Telephone:01625545745Email: [email protected]

Sharinginformationtopreventfraud

We’llcheckyour information against a range ofregistersandanti-frauddatabasesforcompleteness and accuracy. We may also shareyour informationwithlawenforcementagencies,otherorganisationsandpublicbodies

If we findthatfalseorinaccurateinformationhasbeengiventous,or we suspectfraud, we’ll take appropriate action. If fraud is identified,detailswillbepassedtofraudprevention agencies. Law enforcement agenciesmayaccessandusethisinformation.

We andotherorganisations,includingthosefromothercountries,mayalsoaccessandusethisinformationtopreventfraudandmoneylaundering,forexample,when:–checkingdetailsonapplicationsforcreditandcreditrelatedorotherfacilities– managing credit and credit related accounts or facilities– recovering debt–checkingdetailsonproposalsandclaimsforall types of insurance–checkingdetailsofjobapplicantsandemployees

Please contact us if you want to receive details oftheregistersandfraudpreventionagencies.

Sharinginformation

We mayberequiredbylawtoshareyour data,includingtelematics data,withlocalandgovernmentauthorities(includingthepolice).

Dealingwithothersonyour behalf

Tohelpyou to manage your insurancepolicy,subjecttopassingrelevantsecurityquestions, we willdealwithyou or your partner or any otherpersonwhom we reasonably believe to be acting for you iftheycontact us by telephone,emailorinwritingonyour behalfinconnectionwithyour policy.

For your protection only you can cancel your policyorchangethecontactaddress.

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Sensitive information

Someofthepersonalinformationthat we ask you to provide may be sensitive personal data,asdefinedbytheDataProtectionAct1998.Sensitivepersonaldatamayincludeinformation relating to your health,race,religionandanycriminalconvictionsthatyou have.

We will only use sensitive personal data about you forthespecificpurposefordealingwithyour policyandtoprovidetheservicesdescribed in your policy documents.

Monitoring and recording calls

We maymonitororrecordtelephonecallsto monitor and improve our service and to prevent or detect fraud.

FurtherInformation

You areentitledtoreceiveacopyofalltheinformation we holdaboutyou including your telematics driving data. If you would like a copy of your information,pleasecontact our DataProtectionOfficer,quotingyour name,addressandinsurancepolicynumbertotheaddress below:

TheDataProtectionOfficeringenieThorncroftManorThorncroftDriveDorking RoadLeatherheadSurreyKT22 8JB

Pleasenotethat we areentitledtochargeyou a small administration fee of £10 for doing this.

Itremainsthedatasubject’sobligationtorefrainfromcommittinganoffenceandthedatacontrollercannotassumeanyresponsibilityinthisregard.

Please note we may transfer your personal dataoutsideoftheEuropeanEconomicAreaforpurposesofprovidingtheservicesmentioned in yourpolicydoucmentssuchashandlingyour claim.

If wedoso,we will ensure it is protected to at leastthesamelevelofthatrequiredundertheDataProtectionAct1998.

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Whattodoifyou haveacomplaint

Inthisnotice we and us and our meanstheinsurer named in your current schedule,Certificate of motor insurance and Statement of insurance,andanyholdingcompanies,subsidiariesorlinkedcompanies.

If you arenothappywithanyaspectof our service, we willaimtoresolvetheissueasquickly as possible. We havethefollowingcomplaintprocedure,whichyou can follow if you aredissatisfiedwiththeserviceyou havereceived:

Let your usual point of contact know

We needtoknowthenatureofyour complaintandhowyou thinktheproblemshouldberesolved.You candothisby:

• Telephoning us onthenumbershownonany of our letters;or

• Writing to us attheaddressshownbelow:

TheCustomerServiceManagerProspect HouseGordon Banks DriveTrenthamLakesNorthStoke-on-TrentST4 4TW

If you haveacomplaintaboutaclaim,callyour claimshandlerfirst.You willfindyour claimhandler’snameandtelephonenumberonanycorrespondencetheyhavesentyou.

We will try to resolve your complaintbytheendofthethirdbusinessdayandsendyou our summary resolution letter. If we’re unable todothis, we will write to you withinfiveworkingdaystoeither:

• Tell you what we’vedonetoresolvetheproblem;or

• Acknowledge your complaint and let you knowwhenyou can expect a full response.

We will always aim to resolve your complaint within4 weeks of its receipt.

If we areunabletodothis we will give you thereasonsforthedelayandindicatewhen we willbeabletoprovideafinalresponse.

If for any reason you remaindissatisfiedwith our finalresponse,you shouldescalatethematter as outlined below.

ContacttheFinancialOmbudsmanService

You canasktheFinancialOmbudsmanServiceto review your complaint if for any reason you arestilldissatisfiedwitheither our summary resolutionorfinalresponseletter,orif we havenotissued our finalresponsewithin8 weeksfromfirstraisingthecomplaint.You have6monthsinwhichyou maydothisfromthedateofeitherthesummaryresolutionorfinalresponseletter.

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You cancontacttheFinancialOmbudsmanServiceattheaddressbelow,howevertheywill only consider your complaint once you’ve triedtoresolveitwithus.

FinancialOmbudsmanServiceExchangeTowerLondonE149SR

Tel: 0800 023 4567

(freeonmobilephonesandlandlines)

Email:[email protected]

Visittheir website:www.financial-ombudsman.org.uk

Pleasenotethatifyou do not refer your complaintwithinthesixmonths,theFinancialOmbudsmanServicewillnothave our permission to consider your complaint andthereforewillonlybeabletodosoinverylimitedcircumstances,forexample,ifitbelievesthatthedelaywasasaresultofexceptionalcircumstances.Followingthecomplaintsproceduredoesnotaffectyour righttotakelegalproceedings.

FinancialServicesCompensationScheme(FSCS)

We arecoveredbytheFinancialServicesCompensationScheme.

If we cannot meet our liabilities,you may be entitledtocompensationfromtheFinancialServicesCompensationScheme.Claimsforcompulsoryinsurance,suchasthirdpartymotorinsurance,arecoveredinfull.

AnyclaimsmadetotheFinancialServicesCompensationSchemefornon-compulsory(optional)insurance,suchasdamagetothe car,andforanyunusedpremium,arecoveredupto90%ofthevalueoftheclaimsubmitted.You cangetmoreinformationfromtheFinancialServicesCompensationSchemeatwww.fscs.org.ukorbycalling02078927300.

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Vehicleidentitytheft

Onlyadviser’scostsincurredbyyou or on your behalfbyArc’sPanelSolicitorsortheiragentsarecoveredunderthisinsuranceuntilCourtProceedingsareissuedoraconflictofinterestarises.Where,followingtheissueofcourtproceedingsoraconflictofinterestarising,you haveelectedtouseanadviserofyour ownchoiceyou will be responsible for anyadviser’scostsinexcessofArc’sstandardadviser’scosts.

Theunderwriteragreestoindemnifyyou subjecttothefollowingterms,conditionsandexclusionsofthispolicy.

Definitions

Action

Thepursuitofcivilproceedingsandappealsagainstjudgementandthedefenceofcriminalprosecutionsinrelationtothevehicle

Adviser

ThePanelSolicitorortheiragentsappointedby Arc to act for you,or,andsubjecttoArc’sagreement,whereCourtProceedingshavebeenissuedoraconflictofinterestarises,anotherlegaladvisernominatedbyyou.

Adviser’scosts

Legal fees and disbursements incurred by theadvisorwithArc’spriorwrittenauthority.Legalcostsshallbeassessedonthestandardbasisandthirdpartycostsshallbecoveredif awarded against you andpaidonthestandard basis of assessment.

Arc

ArcLegalAssistanceLtdwhoadministerthisinsuranceonbehalfoftheunderwriters.

Court proceedings

TheServiceofCourtProceedings.

Indemnity limit

Themaximumamountpayableinrespectofaninsuredincidentwhichis:

• VehicleIdentityTheft£25,000• MotorInsuranceDatabase£2,500

Insured incident

Thedateofyour firstknowledgethatyour vehicle’sIdentityhasbeenusedbyanotherpersonororganisationwithoutyour permission.Onlyoneinsuredincidentshallbedeemedtohavearisenfromallcausesofaction,incidentsoreventsthatarerelatedbycause or by time.

Thisisyour VehicleIdentityTheftinsurance,underwrittenbyInterPartner Assistance SA and administeredontheirbehalfbyArcAssistanceLimited.

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Insured period

Theperiod of insurance declared to Arc.

Standardadvisers’costs

Thelevelofadvisers’coststhatwouldnormally be incurred by underwriters in using anominatedadviserofArc’schoice.

Territorial limits

GreatBritain,NorthernIreland,ChannelIslandsandtheIsleofMan.

Underwriters

Inter Partner Assistance S.A.

Vehicle

ThevehicledeclaredtoArcincludingacaravanortrailerwhilstattachedtoit.

You/your

ThepersonresponsibleforinsuringthevehicledeclaredtoArc

Cover

Adviser’scostsincurredinanactionuptotheindemnitylimitwhere:-

a.TheinsuredincidenttakesplaceintheInsuredperiodwithintheterritoriallimits;andb.Theactiontakesplacewithintheterritoriallimits.

Vehicleidentitytheft

Whatisinsured:

You arecoveredforadviser’scoststodefendcivil or criminal legal proceedings arising from useofthevehicle’sidentitybyanotherpersonororganisationwithoutyour permission.

Whatisnotinsured:

Claims• Wherethevehicle’sIdentityhasbeen

copiedbysomebodylivingwithyou• Whereyou did not act to take reasonable

precautions against your vehicle’sIdentitybeingcopiedwithoutYour permission

• Foranylosses(otherthanadviser’scosts)incurred by you as a result of Identity Theft.

Motor Insurance Database disputes

Whatisinsured:

You arecoveredforAdviser’sCostsforrepresentation of Your legalrightsinadisputewiththepoliceand/orothergovernmentagencyintheeventYour Vehicleisseizedfollowingafailureinthecommunicationsbetween Your insuranceadviserandtheMotor Insurance Database resulting in incorrect information about You or Your Vehiclebeingrecordedonthatdatabase.

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Legalhelpline

You maycontactthe24-hour,365daysayearlegalhelplineforlegaladviceonanymotoringmatter of concern.

Telephone0844 770 1040andquote“Ingenie Car Insurance Vehicle Identity Theft Protection”toenablethehelplinetodealwiththequeryorclaim.

ThelegalhelplineserviceisoperatedonbehalfofArcbytheirPanelSolicitors.Callsmayberecordedfortrainingandverificationpurposes.

General exclusions

1.Thereisnocover:

• Wheretheinsuredincidentbegantooccurorhadoccurredbeforeyou purchasedthisinsurance

• Whereyou fail to give proper instructions toArcortheadviserorrespondtoarequest for information or attendance by theadviserwithinareasonableperiodoftime

• Whereanestimateofyour adviser’scostsisgreaterthantheamountindispute

• Whereyour act or omission prejudices your ortheUnderwriter’spositioninconnectionwiththeaction

• Whereadviser’scostshavenotbeenagreedinadvanceorexceedthoseforwhichArchasgivenitspriorwrittenapproval

• Foradviser’scostsincurredinavoidablecorrespondenceorwhicharerecoverablefromacourt,tribunalorotherparty

• Fortheamountofadvisers’CostsinexcessofArc’sstandardadviser’scostswhereyou haveelectedtouseanadviserof your ownchoice

• Whereyou havealternativelegalexpenses cover

• Forclaimsmadebyoragainsttheunderwriters,Arcortheadviser

• Whereyour motor insurers repudiate themotorinsurancepolicyorrefuseindemnity

• Foradviser’scostsbeyondthoseforwhichArchasgivenitspriorwrittenapproval

• For an application for Judicial Review

• Forappealswithoutthepriorwrittenconsent of Arc

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• Priortotheissueofcourtproceedings,forthecostsofanylegalrepresentativeotherthanthoseoftheadviserunlessaconflictofinterestarises

• ForanyactionthatArcreasonablybelievestobefalse,fraudulent,exaggeratedorwhereyou havemademisrepresentationstotheadviser

2.Contracts(RightsofThirdParties)Act1999

ApersonwhoisnotapartytothiscontacthasnorightundertheContracts(RightsofThirdParties)Act1999toenforceanytermofthiscontractbutthisdoesnotaffectanyRightorremedyofaThirdPartywhichexistsorisavailableotherthanbyvirtueofthisAct.

Conditions

1. Claims

a. You must notify claims as soon as reasonablypossiblewithin180daysoftheinsured incident.

b.Arcshallappointtheadvisertoactonyour behalf.

c.Arcmayinvestigatetheclaimandtakeoverandconducttheactioninyour name. Subject to your consentwhichshallnotbeunreasonablywithheldArcmayreachasettlementoftheaction.

d. You must supply at your own expense all oftheinformationwhichArcreasonablyrequirestodecidewhetheraclaimmaybeaccepted. If court proceedings are required oraconflictofinterestarises,andyou wishto nominate an adviser to act for you, you maydoso.Whereyou haveelectedtousean adviser of your ownchoice,you will be responsibleforanyadvisers’costsinexcess ofArc’sstandardadvisers’costs.Theadvisermust:

i.Confirminwritingthathewillenableyou tocomplywithhisobligationsunderthisinsurance.

ii.AgreewithArctherateatwhichhiscosts will be calculated. If no agreement is reachedtheLawSocietywillbeaskedtonominateanalternativeadviserandthisnominationshallbebinding.

e.TheAdviserwill:

i. Provide a detailed assessment of your prospectsofsuccessincludingtheprospectsof enforcing any judgement obtained withoutcharge.

ii. Keep Arc fully advised of all developments andprovidesuchinformationasArcmayrequire.

iii.KeepArcregularlyadvisedofadviser’scosts incurred.

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iv.AdviseArcofanyofferstosettleandpaymentsintocourt.IfcontrarytoArc’sadvice,suchoffersorpaymentsarenotacceptedthereshallbenofurthercoverforlegal costs unless Arc agrees in its absolute discretiontoallowthecasetoproceed.

v. Submit bills for assessment or certificationbytheappropriatebodyifrequested by Arc.

vi.AttemptrecoveryofcostsfromtheThirdParties.

vii.AgreewithArcnottosubmitabillforadviser’scoststounderwritersuntilconclusionoftheaction.

f.IntheeventofadisputearisingastocostsArc may require you tochangeadviser.

g.Underwritersshallonlybeliableforcostsforworkexpresslyauthorisedbyarcinwritingandundertakenwhiletherearereasonable prospects of success.

h.You shallsupplyallinformationrequestedbytheadviserandArc.

i. You areliableforanyadviser’scostsifyou withdrawfromtheactionwithoutArc’spriorconsent. Any costs already paid by Arc will be reimbursed by you.

2. Disputes

Any disputes between you and Arc in relation toArc’sassessmentofyour prospects of successinthecaseornominationofsolicitorshallbereferredtoanarbitratorwhoshallbe

eitherasolicitororabarrister.IfthepartiescannotagreeontheirchoiceofarbitratortheLawSocietymaybeaskedtomakeanomination.ThearbitrationshallbebindingandcarriedoutinaccordancewiththeArbitrationAct.Thecostsofthearbitrationshallbeatthediscretionofthearbitrator.

3. Reasonable prospects

AtanytimeArconbehalfoftheunderwritersmayformtheviewthatyou donothaveareasonableprospectofsuccessintheactionyou are proposing to take or are taking. If so,Arcmaydeclinesupportoranyfurthersupport.InformingthisviewArcmaytakeintoaccount:

a.Whetheradviser’scostsaredisproportionatetothevalueofthedamagesbeingclaimedintheaction.

b.Thefactthatareasonablepersonwithoutlegalexpensesinsurancewouldnotwishtopursuethematteer.

c.Theprospectofbeingabletoenforceajudgement.

d.Thefactthatyour interests could be better achievedinanotherway.

e.Whetheryou haveareasonableprospectofsucceedingintheaction.

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4.Englishlaw

ThiscontractisgovernedbyEnglishLawunlessotherwiseagreed.

5. Language

ThelanguageforcontractualtermsandcommunicationwillbeEnglish.

6. CancellationYou maycancelthisVehicleIdentityTheftinsurance at any time by contacting ingenie bytelephoneorinwriting.

Arcmaycancelthisinsurancebygiving14days’noticeinwritingtoyou attheaddressshownontheschedule. No refund of premiumshallbemade.

Customer services information

How to make a claim

You shouldtelephonethelegalhelplinenumberandquote“ingenie Car Insurance VehicleIdentityTheftProtection”toobtainadvice and request a claim form.

Alternatively,theinsuredcansubmitaclaim form online by visiting www.arclegal.co.uk/informationcentre. Upon return of a completedclaimformArcwillassesstheclaimandifcovered,senddetailstotheadviserwhowillthencontactyou directly.

Unlessaconflictofinterestarisesyou are not covered for legal fees incurred before court proceedings are issued unless you usetheArc

PanelSolicitorsortheiragentswhichArcwillappoint to act for you.

Data Protection Act

Thedetailsofyou, your insurance cover andclaimswillbeheldbyArcandortheunderwritersforunderwriting,processing,claimshandlingandfraudpreventionsubjecttotheprovisionsoftheDataProtectionAct1998.

Customer service

Arc’saimistogetitright,firsttime,everytime.IfArcmakeamistake,theywilltrytoputitrightpromptly.

If you areunhappywiththeservicethathasbeenprovided,you shouldcontactArcattheaddress below. Arc will try to resolve your complaintbytheendofthethirdworkingday and send you a summary resolution letter.Iftheyareunabletodothis,theywillconfirmtoyou,withinfiveworkingdays,thattheyhavereceivedyour complaint.Within4 weeks you willreceiveeitherafinalresponseoranexplanationofwhythecomplaintisnotyetresolvedplusanindicationofwhenafinalresponsewillbeprovided.Within8 weeks you willreceiveafinalresponseor,ifthisisnotpossible,areasonforthedelayplusanindicationofwhenafinalresponsewill be provided. You canasktheFinancialOmbudsmanServicetoreviewyour complaint if for any reason you arestilldissatisfiedwithArc’sfinalresponse,oriftheyhavenotissuedtheirfinalresponsewithin8 weeks from you

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firstraisingthecomplaint.You have6monthsinwhichyou maydothisfromthedateofeitherthesummaryresolutionorfinalresponse letter.

Arc’scontactdetailsare:Arc Legal Assistance LtdPOBox8921ColchesterCO45YDTel:03447709000Email: [email protected]

TheFinancialOmbudsmanServicecontactdetails are:

FinancialOmbudsmanServiceExchangeTowerHarbourExchangeSquareLondonE149SRTel:08000234567or03001239123Email:[email protected] website:www.financial-ombudsman.org.uk

Pleasenotethatifyou do not refer your complaintwithinthe6months,theFinancialOmbudsmanServicewillnothave our permission to consider your complaint andthereforewillonlybeabletodosoinverylimitedcircumstances,forexample,ifitbelievesthatthedelaywasasaresultofexceptional circumstances.

Alternatively if you haveacomplaintaboutaservice you haveboughtonlineyou can make acomplaintthroughthefollowingEuropeanCommission’sOnlineDisputeResolutionPlatform: ec.europa.eu/consumers/odr/.

Compensation

Arc and Inter Partner Assistance are covered bytheFinancialServicesCompensationScheme.You may be entitled to compensation fromtheschemeifArcorInterPartnerAssistanceareunabletomeettheirobligations. Your entitlement to compensation willdependonthecircumstancesoftheclaim.Furtherinformationaboutcompensationschemearrangementsisavailableatwww.fscs.org.ukorbytelephoning02078927300.

Authorisation

ArcLegalAssistanceLtdisauthorisedandregulatedbytheFinancialConductAuthority.TheirFCARegisternumberis305958.Theirpermittedbusinessisarrangingwithaviewtotransactionsinnon-investmentinsurancecontracts,arranging(bringingabout)non-investmentinsurancecontracts,advisingonnon-investmentinsurancecontracts,dealingasanagentinnon-investmentinsurancecontractsandassistingintheadministrationandperformanceofnon-investmentinsurancecontracts. You cancheckthisontheFCA’sregister by visiting www.fca.gov.uk/register or bycontactingtheFCAon08001116768.

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ThispolicyisunderwrittenbyInterPartnerAssistanceSA(IPA)whichisfullyownedbytheAXAAssistanceGroup.InterPartnerAssistanceisaBelgianfirmauthorisedbytheNationalBankofBelgiumandsubjecttolimitedregulationbytheFinancialConductAuthority.

DetailsabouttheextentofitsregulationbytheFinancialConductAuthorityareavailablefrom us on request.

Inter Partner Assistance SA Financial Conduct AuthorityRegisternumberis202664.You can checkthisontheFinancialConductAuthority’sRegister by visiting www.fca.org.uk/register.

IPA address details are:Inter Partner AssistanceTheQuadrangle106-118StationRoadRedhillSurreyRH1 1PRRegisteredNo:FC008998

Ingenie Services LimitedRegistered in England & Wales No.07465078. Registered office: Thorncroft Manor, Thorncroft Drive, Dorking Road, Leatherhead, Surrey, KT22 8JB. Authorised and regulated by the Financial Conduct Authority FRN 568113

V10 November 2017