Hire Car Cover Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had their vehicle stolen and it remains unrecovered and who will be using the replacement vehicle facility provided by HAS Accident Management Solutions Ltd trading as Albany Vehicle Rentals (AVR). This Policy will cover You against the replacement vehicle hire charges within the terms and conditions of Your Admiral Hire Car Cover, which are not recoverable from any Third Party. Admiral does not make personal recommendations as to the suitability of the Policy to individual circumstances. Policy Summary ® Hire Car Cover (comprehensive) n A Hire Car for when the Insured Vehicle has been stolen and This Policy summary does not contain full not recovered (Section 1. Definitions: terms and conditions of the cover, which Insured Incident) can be found in the Policy document. It is important that You read the Policy Significant and Unusual Exclusions document which follows this Policy or Limitations: Summary. n A maximum of two claims can be Name of The Insurance Undertaking made within the Period of Insurance (Section 2. What is Covered?) Admiral Insurance (Gibraltar) Limited, Suite 3G, Eurolife Building, 1 Coral Road, n The Insured Person must be a full Gibraltar. driving licence holder aged 18 years and over (Section 1. Definitions: Type of Insurance and Cover Insured Person) Hire Car Cover The following are not covered under The Admiral Hire Car Policy provides this Policy: insurance to cover the funding of vehicle hire charges to help You stay n All fuel, fares, fines and fees relating mobile following a road traffic accident to the Hire Car whilst in Your or recovered theft which renders the possession (Section 5. What is Insured Vehicle a total loss or where Not Covered? a.) that vehicle is stolen and remains n Any claim where the Insured Vehicle unrecovered, all within the was being used for hire or reward Territorial Limits. (Section 5. What is Not Covered? b.) Significant Features and Benefits: n Any claim where the Insured Vehicle has been stolen which has not been n A single period of up to 21 days of reported to the Police (Section 5. continuous vehicle hire (Section 2. What is Not Covered? e.) What is Covered?) n Any claim reported to EUI Ltd n A Group A (ABI Group S1/S2) vehicle more than fourteen days after the provided by AVR, within the Territorial Insured Incident (Section 5. Limits (e.g. 1.0 litre car) What is Not Covered? g.) (Section 1. Definitions: Hire Car) n A Hire Car for when the Insured Vehicle is rendered a total loss through an Insured Incident (Section 1. Definitions: Insured Incident) 1 Duration If we have given you our final response and you are still unhappy, or more The period of the comprehensive motor than 8 weeks have passed since we insurance policy which runs concurrent received your original complaint, you with this Policy and does not exceed may refer your complaint to the Financial twelve months (Section 1. Definitions: Ombudsman Service (FOS) at South Quay Period of Insurance). Plaza, 183 Marsh Wall, London, E14 9SR. Your right to cancel Tel: 0845 080 1800 You may cancel Your policy and receive Financial Services a full refund providing You inform Us Compensation Scheme within 14 days after You receive the EUI Ltd are covered by the Financial policy terms and conditions. You may Services Compensation Scheme (FSCS). cancel this policy after this period but If EUI Ltd were unable to meet their we reserve the right to charge a obligations You may be entitled cancellation fee. to compensation from the scheme, Please contact EUI Ltd, Capital Tower, depending on the type of insurance and Greyfriars Road, Cardiff CF10 3AZ circumstances of any claim. Cover for or call 0871 882 0000. the claim or policy is provided at 90%. Further information can be obtained from Claim Notification www.FSCS.org.uk To make a claim please call the Claims Admiral Insurance (Gibraltar) Limited is Line on 0844 543 4400. licensed and regulated by the Gibraltar How to Make a Complaint Financial Services Commission under the Insurance Companies Act 1987 of Any enquiry or complaint regarding Gibraltar. Admiral Insurance (Gibraltar) this policy should be addressed to: Limited is a member of the FSCS. If The Quality Executive, EUI Limited, Admiral Insurance (Gibraltar) Limited is Capital Tower, Cardiff CF10 3AZ. unable to meet their obligations to Tel: 0800 952 1300 you under this contract you may be Email: firstname.lastname@example.org. entitled to compensation from the FSCS. Cover for the claim or policy is provided at 90%. 2 IMPORTANT Your Hire Car Policy Insured Person/You/Your A full driving licence holder aged 18 years This is to confirm that Admiral Insurance and over who appears on the current (Gibraltar) Limited will provide the cover comprehensive certificate of motor described below during the Period of insurance issued by EUI Ltd. Insurance. Cover is subject to the terms and conditions that follow. Payment Insured Vehicle of the Hire Car Premium must be paid Any motor vehicle insured with EUI Ltd before cover is provided. that appears on a current comprehensive certificate of motor insurance, and for Albany Vehicle Rentals (AVR) or a supplier which a Premium has been paid for Hire of AVR provides the benefits under this Car cover. Policy, however the insurance contract is between Admiral Insurance (Gibraltar) Participating Agent Limited and the Policyholder. EUI Limited who are authorised to accept insurance, collect premiums and issue 1. Definitions policies on behalf of the Underwriters. Please find below an explanation of the Period of Insurance words used in this insurance Policy: The period of the comprehensive motor Appointed Agents insurance policy which runs concurrent Albany Assistance Ltd who will act with this Policy and does not exceed on behalf of the Underwriters in 12 months. connection with the Policy and its Policy claims administration and may monitor This Policy of insurance. and record calls for Your protection and theirs. Policyholder The person, firm or company who has Hire Car taken out this Policy and has paid the A Group A (ABI Group S1/S2) vehicle as Premium due. determined by AVR, within the Territorial Limits (e.g. 1.0 litre car). Premium The payment, which needs to be paid to Insured Incident the Participating Agent by You to get the A road traffic accident or stolen benefit of this Policy. recovered incident within the Territorial Limits that renders the Insured Vehicle Provider a total loss as determined by EUI Ltd. HAS Accident Management Solutions Ltd Alternatively it is where the Insured trading as Albany Vehicle Rentals (AVR). Vehicle has been stolen and remains Albany Assistance Ltd who administer unrecovered. claims. 3 Territorial Limits 3. How to Claim Your Hire Car Great Britain, Northern Ireland, Following an Insured Incident, You Isle of Man and the Channel Islands must report it immediately to EUI Ltd (for residents only). and to the Police if the Insured Vehicle Third Party was stolen. The other person(s) and/or party(s) Please only call the Claims Line on responsible for the Insured Incident, 0844 543 4400 to obtain Your Hire Car. excluding the Insured Person and/or Policyholder (as defined in this Policy). EUI Ltd will advise AVR, who will contact You to arrange the supply of a Hire Car. Underwriters Admiral Insurance (Gibraltar) Limited, 4. Conditions Suite 3G, Eurolife Building, 1 Coral Road, You should note that the following Gibraltar. Home State: Gibraltar. conditions apply in all circumstances: We/Us/Our a. security/fuel deposit is payable by You Albany Assistance Ltd/AVR and/or on collection of the Hire Car. This is the Underwriters. refundable upon its return provided it 2. What is Covered? is free from damage and has the same amount of fuel as when collected n This insurance provides for a single period of up to 21 days of continuous b. when taking possession of the Hire car hire within the Territorial Limits Car, the driver will need to produce following an Insured Incident during their full current driving licence and the Period of Insurance and within personal identification, e.g. phone bill those Territorial Limits c. You must have a valid comprehensive n A maximum of two claims in the motor insurance with EUI Ltd to take Period of Insurance can be made advantage of this cover You may extend the hire by d. Hire Cars are provided in accordance contacting Albany Assistance Ltd on with AVR or its agent’s standard 0800 085 8134 who will then contact requirements, terms and conditions AVR to make arrangements. e. a Hire Car will only be provided once A discounted rate is available to confirmation is received from EUI Ltd EUI Ltd customers. that the Insured Vehicle is a total loss, The Hire Car must be returned to AVR not before or its designated agent no later than f. if the Insured Vehicle has suffered 48 hours after payment is issued to the theft damage or been stolen You Policyholder based on EUI Ltd’s total must supply a Police crime reference loss valuation of their claim OR no later number before a Hire Car can be than the 21st day of hire (whichever provided comes first). 4 g. the Insured Person may have to i. sea transit charges in the delivery and provide comprehensive insurance for collection of the Hire Car the Hire Car j. any claim arising out of a deliberate We must draw Your attention to the or criminal act or omission, which is additional terms and conditions of AVR, found to the Provider’s satisfaction which are held by EUI Ltd, and can be to be of a fraudulent or false nature. viewed on request. They may affect the The Insured Person will be held provision of the Hire Car. responsible for any costs paid or incurred as a result 5. What is Not Covered? k. any excess payable in the event of a The following are not covered under claim involving the Hire Car this insurance: l. any Insured Incident which took place a. all fuel, fares, fines and fees relating outside of the Period of Insurance to the Hire Car whilst in Your possession 6. Notice to the Policyholder/Insured b. any claim where the Insured Vehicle Person was being used for hire or reward Subrogated Rights c. any claim where EUI Ltd do not a. The Insured Person must take all provide indemnity under the terms of reasonable steps to mitigate the costs the underlying motor policy of the claim d. any further hire charges incurred after b. The Insured Person must pay to 21 days, or more than 48 hours after the Underwriters any sums by way payment is issued under the terms of of costs, charges or fees directly the underlying motor policy for a total recovered from the Third Party to loss or theft unrecovered, whichever the extent of the sums indemnified comes first under this Policy e. any claim for theft which has not been c. The Insured Person must take all reported to the Police action possible to recover any costs, charges or fees the Underwriters may f. act of God, attempted theft, fire, have paid or be liable to pay and pay malicious damage or vandalism any such amounts recovered to the g. any claim reported to EUI Ltd Underwriters. more than fourteen days after d. Upon conclusion of the hire of a the Insured Incident replacement car the Underwriters h. any claim for a Hire Car more than can take over and if necessary fourteen days after the Insured conduct proceedings in the name Vehicle has been determined a of the Insured Person to recover total loss the hire costs of the Hire Car from the Third Party 5 Governing Law and Language Financial Services This insurance shall be subject to English Compensation Scheme Law, unless specifically agreed to the EUI Ltd are covered by the Financial contrary. All communication is to be Services Compensation Scheme (FSCS). conducted in English. If EUI Ltd were unable to meet their obligations You may be entitled to Cancellation Rights compensation from the scheme, Subject to you not making a claim on depending on the type of insurance and this product, you have 14 days from the circumstances of any claim. Cover for the receipt of the welcome policy to cancel claim or policy is provided at 90%. the product. Should you cancel outside Further information can be obtained the 14 day cancellation period, additional from www.FSCS.org.uk charges, including a £5 cancellation fee Admiral Insurance (Gibraltar) Limited is will apply for the time on cover. We licensed and regulated by the Gibraltar reserve the right to amend this fee at Financial Services Commission under any time without notice. Please contact the Insurance Companies Act 1987 of EUI Ltd, Capital Tower, Greyfriars Road, Gibraltar. Admiral Insurance (Gibraltar) Cardiff CF10 3AZ or call 0871 882 0000. Limited is a member of the FSCS. If Cancellation Admiral Insurance (Gibraltar) Limited is unable to meet their obligations to The Insurer may at any time cancel Your you under this contract you may be policy sending 7 days notice to You at entitled to compensation from the Your last known address. FSCS. Cover for the claim or policy is How to Make a Complaint provided at 90%. Any enquiry or complaint regarding Whole Agreement this policy should be addressed to: Supplied by EUI Ltd (FSA Registration No The Quality Executive, EUI Limited, 309378), Capital Tower, Greyfriars Road, Capital Tower, Cardiff CF10 3AZ. Cardiff CF10 3AZ, and is administered by Tel: 0800 952 1300 Albany Assistance Ltd (FSA Registration Email: email@example.com. No 312423) Redmond House, Fern Court, If we have given you our final response Bracken Hill Business Park, Peterlee, and you are still unhappy, or more Co Durham SR8 2RR and is underwritten than 8 weeks have passed since we by Admiral Insurance (Gibraltar) Limited, received your original complaint, you Suite 3G, Eurolife Building, 1 Coral Road, may refer your complaint to the Financial Gibraltar. Home State: Gibraltar. Ombudsman Service (FOS) at South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel: 0845 080 1800 6 EUI Limited and Albany Assistance Limited are authorised and regulated by the Financial Services Authority. Admiral Insurance (Gibraltar) Limited is licensed and regulated by the Gibraltar Financial Services Commission under the Insurance Companies Act 1987 of Gibraltar. The Hire Car is provided by Albany Vehicle Rentals. Head Office: Fleet House, Wilcock Road, Old Boston Trading Estate, Haydock, St Helens, Merseyside WA11 9SJ. For general advice about an incident or cover under this Policy please call 0844 543 4400. 7 Notes ADAN32 0210 This booklet is made from recycled paper.