Hire Car Cover - Admiral

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Hire Car Cover - Admiral Powered By Docstoc
					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: quality@admiral.com.
                                               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: quality@admiral.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




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