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PRIVATE CARPOLICY SUMMARY
WHAT THIS DOCUMENT TELLS YOU
This document is intended to provide you with basic details of your private car insurance contract. It includes:
• Details of your Insurer.
• Confirmation of what makes up your insurance contract.
• Significant features and benefits of your insurance cover.
• What to do if you need to cancel your policy.
• What to do if you need to make a claim.
• What to do if you need to make a complaint.
This policy summary is not a statement of the full terms and conditions of your policy, these can be found in your Policy Handbook and should be read in conjunction with your Statement of Fact, Policy Schedule and your Certificate of Motor Insurance.
In addition your Policy Schedule confirms specific endorsements which apply to your policy, as some sections may be restricted or excluded depending on your individual circumstances.
This MINI Ready Fuel Go insurance policy is an annual contract and is based on information you have given to us, as shown on the Statement of Fact. If the information is incorrect or you have any changes please contact us.
YOUR INSURER
The Authorised Insurer is : Zurich Insurance plc
A public limited company incorporated in Ireland. Registration No 13460. Registered Office: Zurich House, Ballsbridge Park, Dublin 4, Ireland. UK branch registered in England and Wales Registration No. BR7985. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ,
Zurich Insurance plc is authorised by the Central Bank of Ireland and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. Our FCA Firm Reference Number is 203093.
WHAT MAKES UP YOUR INSURANCE CONTRACT
The contract is made up of:
• The Policy Handbook, this gives full details of the terms and conditions;
• The Policy Schedule, this shows the period of insurance, and details of applicable excesses and endorsements;
• The Certificate of Motor Insurance, which shows the registration number of the vehicle insured, who may drive and what the vehicle can be used for.
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SIGNIFICANT FEATURES & LIMITATIONS POLICY SECTION
Liabilities to third parties. £20 million limit for third party property damage. G
Use of the insured car abroad. Extended policy cover for up to 30 days in the European Union, Iceland, Norway, and Switzerland.
H
Accidental damage to insured car. Market value.
Subject to excesses.
Additional excesses for young or inexperienced drivers may apply.
New vehicle replacement.
A
Damage to insured car by fire, or theft.
Market value.
Subject to excesses.
New vehicle replacement.
C
Audio and navigation and entertainment equipment.
Cover is unlimited for standard fit.
£500 non-standard fit.
A and C
Personal belongings. Up to £250. E
Broken windscreen and window glass.
Cover is unlimited when using our approved repairer.
Subject to £80 excess.
B
Personal accident. Policyholder, husband, wife or civil partner and any passenger in the insured vehicle. £10,000 for Death, loss of sight or limb. Policy limit £10,000 each accident and £10,000 any one person.
F
Medical expenses. Up to £200 each injured person. D
Replacement locks. Up to £500.
Subject to £100 excess.
K
Courtesy car. Small courtesy car provided.
Repairs must be carried out by an approved repairer.
A
SIGNIFICANT FEATURES & LIMITATIONS POLICY SECTION
Loss of or damage to the insured car and personal belongings.
All loss or damage when no-one is in the insured car unless all its doors and windows are closed and locked.
All loss or damage when no-one is in the insured car unless all keys or devices used to lock the insured car are removed from it.
C and E
C, E and K
Loss of or damage to the insured car.
Extra costs due to parts or replacements not being available in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. Caused by a member of the family or household taking the insured car without your permission.
Caused by deception. New vehicle replacement for vehicle.
A, B and C
A, C and K
A and C A and C
Audio and navigation and entertainment equipment.
Telephones.Equipment not permanently fitted to the insured car.
A and C
Broken windscreen and window glass.
Sun roof and hood mechanisms.Windows and windscreens unless made of glass.
B
Personal accident. Suicide.Failure to wear a seatbelt.If a driver is convicted of driving while under the influence of drink or drugs.
F
Personal belongings. Money, business goods and telephones. E
SIGNIFICANT EXCLUSIONS TO YOUR INSURANCE COVER
SIGNIFICANT FEATURES AND BENEFITS OF YOUR INSURANCE COVER
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IMPORTANT TELEMATICS CONDITIONS If you are aged 25 years or older on the commencement date of this policy, you will not be required to share your driving style data with us.
If you are aged 18-24 and have held your licence for between 1 and 3 years:
It is a condition of cover that a telematics device is installed in the insured vehicle within 14 days of the start date of this policy (see General Condition 11).
If you are aged 18-24 and have held your licence for 3 or more years:
It is a condition of cover that you, and any permitted drivers of the insured vehicle, must download the MINI Ready Fuel Go Insurance Telematics app to your compatible mobile device and connect the app with the vehicle’s Bluetooth within 24 hours of the start date of this policy (see General Condition 13).
All journeys undertaken in the insured vehicle must be recorded by the MINI Ready Fuel Go Insurance Telematics app. If any journey undertaken in the insured vehicle is not recorded by the app an additional excess of £500 will apply to any claim under Section A of this policy (see General Condition 13).
Telematics conditions - unacceptable driving behaviour
You and any permitted driver of the insured vehicle must observe the law at all times. Poor driving behaviour (including the vehicle being driven at speeds which exceed the speed limit for the road on which it
is being driven) could result in the cancellation of your policy.
If during any one annual period of insurance you or any permitted driver of the vehicle exceeds the speed limit by 50% or more for the road on which the vehicle is being driven, (which under the terms and conditions of the policy is understood to be excessive speeding), we will issue you with an Excessive Speeding Notice. If you have been issued with 2 Notices and you exceed the speed limit by 50% or more on a further occasion, we will issue you with 7 days’ notice of policy cancellation
You will be given a driving style score based on each journey undertaken in the vehicle. It is your responsibility to maintain an average driving style score that it greater than zero. if your average driving style score for any quarter during the policy year is negative (below zero) we will issue you with 7 day’s notice of policy cancellation.
EXCESSES YOU WILL HAVE TO PAY THE AMOUNTS OF EXCESSES SHOWN BELOW BASED ON YOUR
POLICY TYPE
Policy Type Non telematics Telematics Device Telematics Application
Standard policy(sections A, C)
£250 £150 £150
Telematics Excess(Section A)Additional excess charged on journeys undertaken that are not recorded by the Telematics Application – General Condition 13
£0 £0 £500
Young Drivers Excess(Sections A,C)Additional excess for drivers aged 18 to 20 (inclusive) Additional excess for drivers aged 21 to 24 (inclusive)
£0
£0
£300
£200
£300
£200
Windscreen Excess(Section B)
£80 to replace the windscreen, if the windscreen can be repaired rather than replaced no excess will apply. We will only pay up to £150 if you do not use our approved replacement service
SIGNIFICANT & UNUSUAL GENERAL EXCEPTIONS/ LIMITATIONS
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WHAT TO DO IF YOU NEED TO CANCEL YOUR POLICY
For a ‘MINI Ready Fuel Go Insurance’ campaign where no premium has been paid to us by you, any refund in premium mentioned in this section will not be applicable.
14 day reflection period:
You have 14 days from when you receive your policy documents or the purchase date of your policy, whichever is the later, to cancel the cover and receive a refund. The Insurer will refund a percentage of the premium in proportion to the period of insurance left unused. If the Insurer has paid for a claim, you must pay the full annual premium and you will not be entitled to any refund.
The policy can be cancelled mid term:
by you telephoning or writing to advise you wish to cancel. The premium we will return to you is shown in the Policy Conditions part of the policy; or
by us giving you 7 days notice in writing sent to your last known email address. If we do this, we will return the unused premium.
If the Insurer has paid for a claim, you must pay the full annual premium and you will not be entitled to any refund.
WHAT TO DO IF YOU NEED TO MAKE A CLAIM
Please phone our 24 hour Claims Helpline on 0343 269 2269. If you need to make a claim outside the UK please call +44(0)343 269 2269.
WHAT TO DO IF YOU HAVE A COMPLAINT
If you have experienced a problem with any part of our service, we will sort this out as quickly and fairly as possible.
Step 1: Let your usual point of contact know
We need to know the nature of your complaint and how you think the problem should be resolved. You can do this by:
T: 0343 269 2269
Writing to us at the address shown below:
The Compliance Manager, MINI Ready Fuel Go Insurance, Global House, Westmere Drive, Crewe Business Park, Crewe, CW1 6ZD.
If you have a complaint about a claim, call your claim handler first. You will find the claim handler’s name and phone number on any letters they have sent you.
Step 2: Contact the Financial Ombudsman Service
You can ask the Financial Ombudsman Service to review your complaint if for any reason you are still dissatisfied with our ‘final response’, or if we have not issued our final response within eight weeks from you first raising the complaint.
You can contact the Financial Ombudsman Service at the address below, however they will only consider your complaint once you’ve tried to resolve it with us.
Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14 9SR.
T: 0800 023 4567
Financial Services Compensation Scheme (FSCS)
Your Insurer is covered by the Financial Services Compensation Scheme. You may be entitled to compensation if your Insurer cannot meet its obligations. Full details are in the Policy Handbook.