Get documents about "127
Shared by: chenmeixiu
-
Stats
- views:
- 31
- posted:
- 12/12/2011
- language:
- English
- pages:
- 4
Document Sample
STRIDe2070 A5 4pp Policy Wording AW:Layout 1 26/11/09 15:42 Page 2
Accident Protection Policy CLAIM & HELPLINE SERV
ICE
0800 328 5552
POLICY SUMMARY
This section contains the summary of cover only, full terms and conditions can be found in the Policy of Insurance section
of this document. We recommend you read both the Policy of Insurance and this summary.
TYPE OF INSURANCE AND COVER
Your Keystart Plus Legal Expenses Policy provides cover to enable you to bring legal proceedings to recover any losses you incur following an incident
for which you are not to blame. The policy operates alongside your Motor Insurance Policy.
SIGNIFICANT FEATURES AND BENEFITS Policy Reference
• Covers up to £100,000 for any 1 claim for the recovery of uninsured losses resulting from an incident Cover – Part 1
involving an insured vehicle
• The costs of hire and or repair charges resulting from an incident involving the insured vehicle Cover – Part 2
• Covers up to £1,000 for any 1 claim towards legal expenses incurred in the defence of a criminal Cover – Part 3
prosecution of a motoring offence
• Covers up to 3 sessions of rehabilitation physiotherapy subject to the treatment leading to a faster return to work Cover – Part 4
• Full claims management service
SIGNIFICANT OR UNUSUAL EXCLUSIONS OR LIMITATIONS Policy Reference
• You must notify MSL within 14 days of receiving notice of an intended criminal prosecution for a motoring offence Conditions and Clauses – 2
• You must notify MSL within 60 days of any incident giving rise to a potential claim Conditions and Clauses – 2
• You must pay the first £100 of each and every claim in the defence of a criminal prosecution of a motoring Cover – Part 3, iii.
offence, which will be included within the applicable limit amount of £1,000 in the aggregate
• No more than 2 claims can be made during the period of insurance Cover – Part 3, ii.
• No cover will be provided for any claims where the insured person has never held or has been disqualified Exclusions – 2
from holding or obtaining a driving licence
INSURER
Your Keystart Plus Legal Expenses Policy is underwritten by Financial and Legal Insurance Company Limited, and is for the duration of 12 months.
RIGHT TO CANCEL
You have the right to cancel your Keystart Plus Legal Expenses Policy within 14 days of receiving your certificate of insurance. You should return your
certificate of insurance to your broker or agent at the address at which they conducted business with you. The cover will be cancelled from the date
that you posted your request.
If you cancel your policy after the 14 days, you will be responsible for payment of the agreed premium.
HOW TO MAKE A CLAIM
If you need to make a claim on your Keystart Plus Legal Expenses Policy, please telephone MSL on 0800 328 5552 or confirm in writing to:
MSL Legal Expenses Limited, No.1 Lakeside, Cheadle Royal Business Park, Cheadle, Cheshire, SK8 3GW
HOW TO MAKE A COMPLAINT
If you wish to make a complaint in connection with your Keystart Plus Legal Expenses Policy, please write to: The Compliance Manager, MSL Legal
Expenses Limited, No.1 Lakeside, Cheadle Royal Business Park, Cheadle, Cheshire, SK8 3GW
If you are not satisfied with the response from MSL, you may refer your complaint to the Financial Ombudsman Service (FOS).
COMPENSATION SCHEME
MSL Legal Expenses Limited and Financial and Legal Insurance Company Limited are covered under the Financial Services Compensation Scheme.
In the event that they are unable to meet their obligations, you may be entitled to compensation.
CERTIFICATE OF INSURANCE Company no 03034220 and by the Financial N. Garner, Group Managing Director,
Computerquoteinsurance.com Motor Uninsured Services Authority under no 202915). MSL Legal Expenses Limited.
Loss Recovery Insurance provided by MSL: The Insurers will indemnify the Insured Persons MSL Legal Expenses Limited, No.1 Lakeside,
“Keystart.” subject to the terms, conditions, clauses and Cheadle Royal Business Park, Cheadle, SK8
exclusions of this insurance during the Period 3GW is underwritten by Financial & Legal
CLAIM & HELPLINE SERVICE of Insurance. Insurance Company Limited, No.1 Lakeside,
0800 328 5552 This insurance has been effected with and is Cheadle Royal Business Park, Cheadle, SK8
If you need to make a claim, please contact our signed on behalf of Financial & Legal Insurance 3GW. Authorised and regulated by the Financial
dedicated helpline above quoting the certificate Company Limited. Services Authority.
number IM 26680
This insurance is a contract between you and
the Insurers, Financial & Legal Insurance
Company Limited (registered in England under
STRIDe2070 A5 4pp Policy Wording AW:Layout 1 26/11/09 15:42 Page 3
POLICY OF INSURANCE Date of Occurrence You/your/Certificate Holder
This insurance is a contract between you and the The date of one or more events arising at the The person(s) named in the Motor Policy and the
Insurers, Financial & Legal Insurance Company same time or from the same cause which give rise Insurance Certificate as the policyholder or insured.
Limited (registered in England under Company no to a claim under this insurance.
03034220 and by the Financial Services Authority THE COVER
Insurance Certificate
under no 202915). The Insurers will indemnify the Part 1
The Insurance Certificate that proves that you
Insured Persons subject to the terms, conditions, We will pay up to £100,000 on any one claim for
have paid the premium and are entitled to the
clauses and exclusions of this insurance during the recovery of uninsured losses resulting from an
benefits under this policy.
the Period of Insurance. incident involving an Insured Vehicle in the
Insured Person Territorial Limits which causes:
This insurance has been effected with and is
signed on behalf of Financial & Legal Insurance The Certificate Holder, any Authorised Driver, a) damage to the Insured Vehicle and to personal
Company Limited. any passenger in, on, getting into, out of or off the property in it or on it;
Insured Vehicle and, where applicable, the legal
personal representatives of any of them. b) death or bodily injury to an Insured Person
including, where applicable, Legal Expenses
Insured Vehicle arising from Legal Proceedings brought by an
N. Garner, Group Managing Director, Any motor vehicle insured by the Motor Policy Insured Person and provided that the Date of
MSL Legal Expenses Limited. including any attached trailer or caravan. Occurrence is within the Period of Insurance.
Insurer/their/them/they Part 2
ICE
CLAIM & HELPLINE SERV Financial & Legal Insurance Company Limited,
No.1 Lakeside, Cheadle Royal Business Park,
We will pay hire and/or repair charges authorised
by MSL incurred by the Insured Person resulting
0800 328 5552 Cheadle, Cheshire, SK8 3GW.
Legal Expenses
from an incident involving an Insured Vehicle
provided that:
The legal fees, costs, disbursements and other i. the Date of Occurrence is within the Period of
If an Insured Person wishes to discuss any matter professional charges in connection with Legal Insurance;
that may lead to a claim, please ring our dedicated Proceedings which MSL has agreed to fund: ii. in our opinion the incident was not the fault of
freephone helpline. 1. Reasonably and necessarily incurred by the the Insured Person;
We will initially deal with a potential claim through Nominated Representative iii. the Insured Person has not been successful in
the helpline service where our trained staff will 2. Incurred by other parties, in civil cases if an recovering the MSL authorised hire and repair
help with fast and friendly advice, make Insured Person has been ordered to pay them charges from the owner(s) or driver(s) that in
arrangements and, where necessary, put the or pays them with the prior agreement of MSL. our opinion were responsible for the incident;
Insured Person in touch with a member of our
panel of professional advisers. After the claim is Legal Proceedings v. we authorised the hire and repair in writing to
accepted, we may refer the matter to a suitably The pursuit of civil legal disputes and proceedings the Insured Person prior to the hire and repair
qualified and experienced professional person for within the jurisdiction of a court or other body in the charges being incurred.
advice and suggested appropriate further action. Territorial Limits including defending a counterclaim Part 3
and appealing or defending an appeal against We will pay up to £1,000 on any one claim and in
Claims should be made as soon as possible and
judgement and excluding correspondence by way the aggregate towards Legal Expenses incurred
confirmed in writing, to MSL Legal Expenses
of pre action protocol or any mediation or any other with our prior written consent on behalf of an
Limited at the following address:
alternative dispute procedure, within the jurisdiction Insured Person in the defence of a criminal
MSL Legal Expenses Limited of a court or other body in the Territorial Limits. prosecution of a motoring offence provided that:
No.1 Lakeside, Cheadle Royal Business Park
Motor Policy i. the Date of Occurrence (which for this
Cheadle, Cheshire, SK8 3GW
Fax: 0845 301 2120 The motor insurance policy with which this purpose will be the date when the motoring
insurance is issued. offence occurred or is alleged to have
Once details of the claim have been received by occurred) is within the Period of Insurance;
us and we have accepted the claim in writing, we MSL/we/us/our
will supply, the name(s) of one or more solicitors MSL Legal Expenses Limited, No.1 Lakeside, ii. no more than two claims will be covered in any
or other suitably qualified and experienced Cheadle Royal Business Park, Cheadle, Cheshire, one Period of Insurance, not taking into
persons from our panel to act on the Insured SK8 3GW which manages this insurance on behalf account any claim(s) rejected by MSL;
Person’s behalf. of the Insurers. iii. the Insured Person will pay the first £100 of each
Nominated Representative and every claim which will be included within the
DEFINITIONS applicable limit of £1,000 in the aggregate;
A solicitor, claims negotiator or other suitably
Each of the words or phrases listed below will
qualified person appointed in accordance with iv. we, in our absolute discretion, are satisfied that
have the same meaning wherever they appear in
the terms of this insurance. In regards to claims there is a genuine defence to the prosecution
bold in this insurance.
in respect of death or bodily injury, the Nominated and there are reasonable prospects of
Authorised Driver Representative must have signed either a successfully defending the case;
Any person insured by the Motor Policy who is Collective Conditional Fee Agreement or
v. there will be no coverage under this part of this
authorised by you to drive the Insured Vehicle. a Conditional Fee Agreement with the Insurer.
section in respect of any Legal Expenses
Collective Conditional Fee Agreement Period of Insurance directly or indirectly arising out prosecutions
Means the separate agreement between the Insurer The period not exceeding twelve months from the relating to parking offences, driving without
and the Nominated Representative for paying his date shown on the Insurance Certificate and for insurance, driving whilst under the influence of
or her professional fees which is an enforceable which you have paid or agreed to pay and we drink or drugs, racing, pace-making, rallying,
Conditional Fee Agreement within the meaning of have agreed to accept a premium. The expiry date speed testing or any other sort of competition.
section 58, 58A, Courts and Legal Services Act of this period will be the same as that of the Part 4
1990, the format and contents of which have been current certificate of motor insurance issued in
We will pay for an assessment and if recommended
agreed to by us before it is entered into. conjunction with the Motor Policy.
and agreed as a result of that assessment, for up to
Conditional Fee Agreement Territorial Limits a maximum of three sessions of rehabilitation
Means the separate agreement between the The United Kingdom and any other territories for physiotherapy subject to that treatment leading to
Insured and the Nominated Representative for which cover is expressly provided under the the probability of a faster return to work.
paying his or her professional fees which is an Motor Policy. It is a condition precedent to liability under this
enforceable Conditional Fee Agreement within United Kingdom section that the assessment must be undertaken
the meaning of section 58, 58A, Courts and Legal by an assessment centre approved by us and any
England, Scotland, Wales, Northern Ireland, the
Services Act 1990, such agreement only to be physiotherapy supplied by a practitioner approved
Isle of Man and the Channel Islands.
in the form provided by the Insurer. by our assessment centre.
STRIDe2070 A5 4pp Policy Wording AW:Layout 1 26/11/09 15:42 Page 4
CONDITIONS AND CLAUSES vi. In all cases, the onus will be on you to 6. Payment under this insurance
1. Your responsibilities demonstrate to the Nominated Representative, i. If any offer to settle the Legal Proceedings
or to our own advisers or counsel (as which equals or exceeds the total damages
i. You must observe and comply with the terms
appropriate) that such reasonable grounds as (including any interest) eventually recovered by
and conditions of this insurance and of the
referred to above exist. Your cost of investigation the Insured Person in the Legal Proceedings
Motor Policy
and other expenses relating to your seeking to is not accepted by the Insured Person, the
ii. All Insured Persons must: prove that such reasonable grounds do exist Insurers will have no liability in respect of
a) observe the terms and conditions and are not covered under this insurance. Legal Expenses incurred after such refusal
exclusions of this insurance 4. Legal Representation unless MSL have given their written agreement
i. Before MSL accept a claim, we will tell you the to the continuation of the Legal Proceedings
b) take all reasonable steps to try to prevent any
incident that may give rise to a claim name and address of our nominated Nominated ii. When requested by MSL the Insured Person
Representative. That person will not become the must instruct the Nominated Representative
c) take all reasonable steps to minimise the
Nominated Representative until MSL confirm to have the Legal Expenses made subject to
amount payable under this insurance
in writing that they have accepted the claim detailed assessment or audit by the relevant
d) take all reasonable steps to resolve any dispute court or tribunal
ii. If MSL agree to the commencement of Legal
that may otherwise give rise to a claim, by way
Proceedings then an Insured Person has the iii. All accounts, orders or awards of a court or
of negotiation, mediation or any other available
right to nominate a Nominated tribunal for Legal Expenses to be paid under this
alternative dispute resolution procedure.
Representative. This must be done by sending insurance must be submitted to MSL promptly
2. Reporting and acceptance of a claim MSL the name and address prior to the iv. Following receipt of the relevant accounts,
MSL should, as soon as possible, but within commencement of any Legal Proceedings orders or awards of a court or tribunal for
14 days of the Insured Person receiving notice of iii. When a Nominated Representative is appointed Legal Expenses to be paid under this
an intended criminal prosecution for a motoring MSL will send them a copy of their terms of insurance, payment will be made direct to the
offence and otherwise no later than 60 days after appointment which must be accepted by the Nominated Representative, to the other
the Date of Occurrence be notified in writing of Nominated Representative before commencing party’s legal representative or to such other
any potential claim including any written or other any work for you. In regards to claims in respect party as is appropriate according to the terms
evidence. You will be required to provide the of death or bodily injury, the Nominated of any order or award of the court or tribunal
names of any possible witnesses and details, Representative must have signed either a
produced at your own expense, of any costs v. If the Insured Person withdraws from the
Collective Conditional Fee Agreement or Legal Proceedings without the agreement of
incurred prior to MSL accepting the claim, a Conditional Fee Agreement with the Insurer
including any action already taken. MSL, cover will cease immediately and MSL
iv. If MSL and an Insured Person do not agree will be entitled to be reimbursed for any Legal
3. Acceptance of a claim and right to refuse about the choice of the Nominated Expenses previously agreed or paid to or on
indemnity Representative, both parties may agree in behalf of the Insured Person in respect of such
The Insurers or MSL on their behalf are entitled writing to choose a second suitably qualified Legal Proceedings.
to refuse to accept a claim, or to continue to person to decide the matter 7. Recoveries
indemnify an Insured Person where:
v. The Insured Person will always have regard The Insurers or MSL on their behalf reserve the
i. In our or their opinion: to Condition 1 ii) c) both in relation to the right to take proceedings in your name, at their
a) the Certificate Holder and/or any other Insured nomination of a Nominated Representative own expense and for their own benefit, to recover
Person has not disclosed any material and in relation to the conduct of the Legal any payment MSL have made under this
information to MSL or to the Insurers. Proceedings insurance to anyone else. If you or an Insured
vi. This Condition 4 also applies where a conflict Person recovers any Legal Expenses previously
b) the Certificate Holder and/or the Insured
of interest arises during Legal Proceedings or paid under this insurance from any other party,
Person has failed to provide MSL or the
arises from the handling of a claim and the such Legal Expenses must be immediately repaid
Nominated Representative with any relevant
appointment of a replacement Nominated to us.
information and/or supporting evidence
Representative is required. 8. Arbitration
ii. In the opinion of the Nominated
Representative, there do not or no longer exist 5. Control of the Claim Any dispute or difference of any kind between the
reasonable grounds for believing that the Legal i. All information, evidence and documents Insurers, MSL and an Insured Person will be
Proceedings have a reasonable prospect of relating to the Legal Proceedings must be referred to arbitration by a single arbitrator who
success, and where applicable, that there are provided, at the Insured Person’s own will be either a barrister or solicitor. If the parties
reasonable prospects of recovery from the expense, to the Nominated Representative are unable to agree on the appointment of an
other party when requested and the Insured Person must arbitrator, all parties agree to accept an arbitrator
meet with the Nominated Representative nominated by the President of the relevant national
iii. In our or their opinion, after having taken when requested Law Society. The arbitrator’s decision will be final
advice from our or their own advisers (who are and binding on all parties and the unsuccessful
not the Nominated Representative) or ii. The Insured Person must keep the Nominated party will be responsible for any costs incurred by
counsel, there do not or no longer exist Representative regularly informed of all the successful party in the arbitration proceedings
reasonable grounds for believing that the Legal developments and co-operate fully in all respects as well as their own costs.
Proceedings have a reasonable prospect of iii. MSL must have direct access to the
success, and where applicable, that there are 9. Governing law
Nominated Representative at all times
reasonable prospects of recovery from the This insurance is governed by English law.
other party iv. The Insured Person must give the Nominated
Representative any instructions asked for by 10. Third party rights
iv. We may, at any time, require you to obtain at MSL including for the supply of any documents Unless expressly stated in this insurance, nothing in
your own expense an opinion from counsel as or other information required by MSL this insurance will create any rights in favour of any
to the merits of Legal Proceedings. Payment person pursuant to the Contracts (Rights of Third
will be made under this insurance, subject to v. MSL is entitled to require the Certificate Parties) Act 1999. This Condition does not affect
the limit applicable to the claim, to include the Holder and/or the Insured Person to any right or remedy, of any person, which exists or
cost of obtaining the opinion only if counsel’s immediately produce to us all information, is available otherwise than pursuant to that Act.
opinion clearly demonstrates that there are evidence, legal advice and documents relating
reasonable grounds for pursuit or defence of to the Legal Proceedings in the possession or
the Legal Proceedings custody of the Certificate Holder, the Insured
Person or the Nominated Representative
v. If the Insurers or MSL on their behalf refuse
to accept a claim or to continue to indemnify vi. The Certificate Holder or the Insured Person,
an Insured Person, they or we will give the directly or via the Nominated Representative,
reason(s) in writing to the Certificate Holder must inform MSL immediately in writing if
and the Insured Person. anyone offers to settle the claim or makes an
offer to settle the Legal Proceedings.
STRIDe2070 A5 4pp Policy Wording AW:Layout 1 26/11/09 15:42 Page 1
11. Cancellation Rights EXCLUSIONS 8. Fines and penalties
The Certificate Holder has a right to cancel this This insurance does not cover any claim: For fines, damages or other penalties which the
Insurance without liability for the premium within Insured Person is ordered to pay by a court or
1. Motor Policy Inoperative
14 days of the date upon which they receive the other authority.
Certificate of Insurance. Written notice of Where, at the Date of Occurrence:
9. Disagreement
cancellation (enclosing the Certificate) must be i. The Insurers are entitled to repudiate, have
given to the insurance broker or agent (if this Relating to a dispute with us or the Insurer other
repudiated or have refused indemnity under
insurance was obtained through a broker or agent) than over the choice of Nominated
the Motor Policy
or the Nominated Representative (if one has been Representative or arising from the handling of
ii. Any Insured Person other than the Certificate a claim as provided for under Condition 8.
appointed at the address at which they conducted
Holder is driving under the ‘driving other cars’,
business with you) or to MSL in writing. 10. Bankruptcy
‘driving other vehicles’ or any similar extension
If written notice of cancellation is not given within to any motor insurance other than the Motor When the Insured Person is bankrupt, in
the 14 day period the Certificate Holder will be Policy. liquidation, has made an arrangement with his or
responsible for payment of the premium. If the her creditors, has entered into a Deed of
2. Disqualified drivers Arrangement or part or all of the Insured Persons
Certificate Holder gives due notice of cancellation,
cover under this insurance will cease from the date Where, at the Date of Occurrence, the Insured affairs or property are in the care or control of
of delivery or posting of the notice of cancellation. Person who is the Authorised Driver has never a receiver or an administrator.
held or has been disqualified from holding or
12. Data Protection 11. War Risks
obtaining a driving licence.
Any personal information provided by you may For Legal Expenses arising from any consequence
3. Contracts of war, invasion, act of foreign enemy, hostilities
be held by us and the Insurer in relation to your
insurance cover. It may be used by us or the Relating to a contract involving the Insured (whether war be declared or not), civil war, rebellion,
Insurer’s relevant staff in making a decision Vehicle. revolution, insurrection or military or usurped power,
concerning your insurance and for the purpose 4. Deliberate, dishonest, violent or criminal acts confiscation, requisition or damage to property by or
of servicing your cover and administering claims. under the authority of any government, public or
i. Relating to
Information may be passed to motor engineers, local authority.
loss adjusters, solicitors, reinsurers or other a) a cause of action intentionally brought about
12. Radioactive Contamination and Pressure
service providers for these purposes. We may by an Insured Person
Waves
obtain information about you from credit reference b) an Insured Person’s alleged dishonesty, violent Legal Expenses arising from any expense, loss of
agencies, fraud prevention agencies and others to behaviour or other criminal act any income, legal liability or any loss or damage,
check your credit status and identity. The agencies to property directly or indirectly caused by,
will record our enquiries, which may be seen by ii. If the claim is dishonest or exaggerated in any
way; if this happens, we will also cancel all contributed to, by or arising from any of the
other companies who make their own credit following, or from any similar reaction or event:
enquiries. We will check your details with fraud cover immediately.
prevention agencies. If you provide false or 5. Legal Expenses not agreed i. Ionising radiations or contamination by
inaccurate information and we suspect fraud, Legal Expenses incurred: radioactivity from any nuclear fuel or from any
we will record this. nuclear waste from the combustion of nuclear
i. Before MSL agrees to pay them on the fuel
We and other organisations may use these Insurers behalf
records to: ii. The radioactive, toxic, explosive or other
ii. Where the Certificate Holder and/or Insured hazardous properties of any explosive nuclear
1. Help make decisions on legal expense Person: assembly or nuclear component of such
insurance proposals and insurance claims, assembly
for you and members of your household a) pursues or defends a case without the
agreement of MSL or in a different manner to iii. Pressure waves caused by aircraft or any other
2. Trace debtors, recover debt, prevent fraud, or against the advice of the Nominated airborne devices travelling at sonic or
and manage your insurance policies Representative supersonic speeds.
3. Check your identity to prevent money b) fails to give proper instructions in due time to
laundering, unless you furnish us with MSL, to the Nominated Representative or
COMPLAINTS PROCEDURE
satisfactory proof of identity. to counsel or other persons instructed by the Our aim is to provide a first class standard of
Nominated Representative service at all times. If you think we have let you
This may involve the transfer of your information to
down, please contact us or your usual insurance
countries which do not have Data Protection laws. iii Where the Nominated Representative refuses adviser who will try to help you. Quoting your
Under Data Protection legislation, you can ask us in to act on behalf of the Insured Person for any certificate number will assist us in dealing with the
writing for a copy of certain personal records held reason other than a conflict of interest when problem more quickly. If you are not satisfied with
about you. A charge may be made for this service. Condition 4 vi. will apply the outcome, please write to The Compliance
We and other companies in the Financial & Legal iv. In respect of witnesses, experts or agents Manager, MSL Legal Expenses Limited, No.1
Group may use your details to: interviewed, engaged or called as witness Lakeside, Cheadle Royal Business Park, Cheadle,
without the prior written approval of MSL Cheshire SK8 3GW.
1. Send you information about other products and
services that may interest you v. Prior to issue of formal Legal Proceedings If, after taking this action you are still unhappy,
which does not include correspondence by you may write to The Compliance Manager,
2. Carry out research. way of pre action protocol or any mediation or Financial & Legal Insurance Company Limited,
We may contact you by letter, e-mail or phone. other alternative dispute resolution procedure. No.1 Lakeside, Cheadle Royal Business Park,
If you would prefer not to receive marketing Cheadle, Cheshire SK8 3GW.
6. Delay and prejudicial acts
information or take part in research, simply tell us If you are not satisfied with the response of
when you call next. Where an Insured Person acts in a manner which
is prejudicial to the case, including being Financial & Legal Insurance Company Limited
We will not make your personal details available responsible for any unreasonable delay, you may be entitled to refer your complaint to the
to any companies outside the Financial & Legal withdrawing instructions from the Nominated Financial Ombudsman Service at:
Group to use for their own marketing purposes. Representative or withdrawing from the case. Financial Ombudsman Service (FOS)
13. Financial Services Compensation Scheme 7. Other insurances South Quay Plaza
MSL (and the Insurers) are covered by the Financial 183 Marsh Wall
For Legal Expenses which can be recovered by an
Services Compensation Scheme, established under London
Insured Person under any other insurance or
the Financial Services and Markets Act 2000 (the E14 9SR
which would have been covered if this insurance
“Compensation Scheme”). If MSL and the Insurers did not exist except for any amount in excess of The use of these facilities does not affect your
are unable to meet their obligations under the that which would have been payable under the right to take legal action.
Keystart Policy an Insured Person may be entitled insurance(s).
to compensation from the Compensation Scheme.
