Car Insurance
What are you covered for?
Your Policy Document
(Keep me somewhere safe)
Motor and Legal Expenses - Policy Wording www.kwik-fitinsurance.com
Contents
Page
How to make a claim 2
Data Protection, Finding and Stopping Fraud 3–4
Introduction 5
Meaning of Words 6–7
Changes which affect your insurance 7
Types of Cover 8
Policy summary 8–10
Section 1: Cover for loss or damage 11–13
Section 2: Your liability to other people 13–15
Section 3: Glass Damage 15
Section 4: Extra benefits 15–16
Section 5: Driving Abroad 16–17
Section 6: No claim discount 18
Section 7: Extra Cover 18
Section 8: Cancellation 18–19
General Exclusions 19
General Conditions 20–21
Endorsements 21–23
If you have a complaint 24
Legal Expenses 26–39
(This cover applies if you have paid the Legal Expenses Insurance Premium)
Customer Service – 0800 280 2222 1
Motor and Legal Expenses - Policy Wording
How to make a claim
The following information is to help you make a How to make a claim for damage to your
claim. It is not part of this insurance contract. vehicle
What to do after an accident If your insurance covers you for the cost of
repairs to your vehicle after an accident, fire or
1 If an accident causes damage to another car,
theft you should ring our Accident Action Line
an animal or property, or if anyone is injured,
on 0800 280 2029.
the law says you must stop. You must give
your name, address and car registration Depending on the damage to your vehicle, the
number to anyone reasonably asking. If claim procedures may include the following.
anyone is injured, you must show your A
• recommended repairer may give an estimate
certificate of motor insurance to the police for the work needed.
or anyone who asks. You must tell us about A
• n engineer may inspect the damage to your
every accident you are involved in, even if you vehicle.
are not at fault or not making a claim. R
• epairs to your vehicle may then be
2 You should ask the other people authorised.
• Their names and addresses. Y
• our insurer may decide that it is not
• heir insurance company’s name, address
T economical to repair your vehicle
and the policy or certificate number. (a ‘total loss’).
T
• heir vehicle registration numbers. Your insurer uses recommended repairers
N
• ames and addresses of all witnesses. around the country who give a fast,
3 Do not admit that you are to blame or offer to reliable and professional repair service. When
pay for anything. the recommended repairer is carrying out
4 Do not sign anything at the scene of the repairs to your vehicle the following will apply;
accident.
1 If you have comprehensive cover, they will
5 Make a rough sketch of the accident scene
give you a free courtesy car whilst they are
showing the position of the cars before and
repairing your vehicle. The recommended
after the accident. Include the positions of any
repairer will decide which vehicle to give you.
parked cars, lampposts, and so on.
2 After your vehicle has been repaired, they will
6 Tell us about the accident as soon as possible
make sure it is clean and tidy.
by calling us on 0800 280 2029.
3 They will guarantee the work for three years.
7 Send any letters or documents you get about
the accident (which you must not answer) to Excess
your insurer (we will give you their name and If you have to pay an excess:
address when you tell us about the accident). y
• ou must pay the repairer this amount when
What to do if your car is stolen you collect your vehicle, or
i
• f your vehicle is a ‘total loss’, your insurer will
1 Tell us about the loss as quickly as you can by
take the excess from the offer they make for
calling us on 0800 280 2029.
your vehicle.
2 If you know where the vehicle is, try to make
sure that it is safe and secure. Glass damage
3 If the vehicle is not found, we will ask you to If you have comprehensive cover, you
send all vehicle documents and keys should call our Accident Action Line on
directly to your insurer (we will give you their 0800 280 2029. We will take details and
name and address when you report the theft put you in contact with our approved glass
to us). repairer. Remember to ask if the glass can be
4 You must tell us immediately if your car is repaired as this can save you money.
found after it has been stolen.
2 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
Data Protection, Finding
and Stopping Fraud
It is important that you read this prevention agencies. Your insurer and
section and show it to anyone else other organisations may access and
insured to drive your car. We need use from other countries the information
to give you this information to meet recorded by fraud prevention agencies.
Data Protection laws. It explains how Your insurer and other organisations
your insurer may use your details may also search these agencies and
and tells you about the systems and databases to help make decisions about
registers they and others have in the supply and administration of insurance
place, which may allow them to find and related services, to manage your
and stop fraudulent applications and insurance policy, and to check your identity
claims. The savings that they make to prevent money laundering. If you ask,
help them to keep premiums and your insurer can give further details of the
products competitive. databases they use.
When you tell us or your insurer about Information relating to your insurance
any incident (for example, an accident, policy will be added to the Motor
fire or theft) information about it will be Insurance Database (“MID”) managed by
passed to the registers. Your insurer the Motor Insurers’ Bureau (“MIB”). MID
may search these databases when you and the data stored on it may be used by
apply for insurance, make a claim, or at certain statutory and/or authorised bodies
the time of renewal to check your claims including the Police, the DVLA, the DVANI,
history or that of any other person likely the Insurance Fraud Bureau and other
to be involved in the policy. If false or bodies permitted by law for purposes not
inaccurate information is provided and limited to but including:
fraud is identified, details may be passed I. Electronic Licensing
to fraud prevention agencies. Law II. Continuous Insurance Enforcement;
enforcement agencies may access and III. Law enforcement (prevention,
use this information. Your insurer and detection, apprehension and or
other organisations may also access and prosecution of offenders)
use this information to prevent fraud and IV. The provision of government services
money laundering, for example when; and or other services aimed at
C
• hecking details on applications for reducing the level and incidence of
credit and credit related or other facilities uninsured driving.
M
• anaging credit and credit related If you are involved in a road traffic accident
accounts or facilities (either in the UK, the EEA or certain
• Recovering debt other territories), insurers and or the MIB
may search the MID to obtain relevant
C
• hecking details on proposals and
information. Persons (including his or her
claims for all types of insurance
appointed representatives) pursuing a
C
• hecking details of job applicants and claim in respect of a road traffic accident
employees (including citizens of other countries) may
Please contact us on 0800 280 2222 also obtain relevant information which is
if you want details of the relevant fraud held on the MID.
Customer Service – 0800 280 2222 3
Motor and Legal Expenses - Policy Wording
It is vital that the MID holds your correct
registration number. If it is incorrectly
shown on the MID you are at risk of having
your vehicle seized by the Police. You
can check that your correct registration
number details are shown on the MID at
www.askmid.com
Insurers use various other databases
to help check the information given and
also to stop and find insurance-related
fraud. This includes, but is not limited to;
the Claims and Underwriting Exchange
Register, run by Insurance Database
Services Ltd (IDS Ltd), the Motor
Insurance Anti-Fraud and Theft Register,
run by the Association of British Insurers
(ABI), Insurance Hunter and CIFAS the
UK’s Fraud Prevention Service.
We or your insurer may answer enquiries
by the police about your policy during their
investigations. To administer your policy or
to protect your interests, we or your insurer
may share the data supplied (either by you
or on your behalf) to other organisations
such as solicitors, loss adjusters or loss
assessors.
To help us to keep to our service
standards, and to prevent and detect
fraud, we may record or listen to
phone calls.
Compensation Scheme
Your insurer is covered by the Financial
Services Compensation Scheme (FSCS),
which means that you may be entitled to
compensation if they are unable to meet
their obligation to you. Further information
about this is available from FSCS at:
The FSCS, 7th Floor, LLoyds Chambers,
Portsoken Street, London, E1 8BN.
Tel: 0800 678 1100
E-mail: enquiries@fscs.org.uk.
4 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
Introduction
Please read the policy wording, the If you are paying for your insurance by
schedule and certificate carefully, instalment plan or debit/credit card in your
so you know what you are insured own name, we will automatically renew
for. Make sure you read the general your policy, unless you tell us not to. We
exclusions, conditions and any will write to you before the policy renewal
endorsements that apply. If the cover date to remind you of this and to let you
is not what you want or you have any know what the new payments will be.
questions, please contact us at once.
We will charge a fee for changing any of
There are useful information notes shown your policy details. Our charge will cover
in the blue shaded areas throughout the our costs and is not part of the insurance
policy wording. They are not part of your contract.
insurance contract but they are there to This insurance contract will be governed
help you understand it. Always read these by English Law unless you have agreed
notes with the whole of this document. otherwise with your insurer.
This policy wording replaces all earlier This insurance contract is written in
issues of our policy wording. English, and any communications about it
will be in English.
This is a legally-binding contract of
insurance between you (the policy holder) On behalf of the insurer
and the insurer (as shown on your current
certificate of motor insurance). The
contract does not give, or intend to give,
rights to anyone else. No one else has the
right to enforce any part of this contract.
We or your insurer may cancel or change
any part of the contract without getting
June Lynch
anyone else’s permission. The contract is
Managing Director
based on the information you gave in your
Kwik Fit Insurance
statement of insurance. The legally-binding
Authorised Signatory
contract also includes this policy wording,
the schedule and the certificate of motor
insurance.
Your insurer has agreed to insure you
under the terms, conditions and exclusions
in this wording and any endorsements that
apply. You are insured for any liability, loss
or damage that happens as long as you
have paid, or agreed to pay the premium.
By insuring with us, you agree to any
amounts you may owe us, or our debt
recovery agency, being deducted from any
premium refund due to you.
Customer Service – 0800 280 2222 5
Motor and Legal Expenses - Policy Wording
Meaning of Words
The following words or phrases Fire
have the same meaning whenever • Fire
they appear. • Lightning
• Explosion
British Isles
1 England, Scotland and Wales General average contribution, salvage
2 Northern Ireland and sue and labour charges
3 The Isle of Man Costs for your vehicle which you have to
4 The Channel Islands pay under maritime law.
5 Transport by water, rail or air within or
between any of these territories as long Insurer
as this transport is by commercial carrier. The insurance company or Lloyd’s
syndicate which covers you and whose
Certificate of motor insurance name is shown on:
The document which proves that you • your certificate of motor insurance; and
have insurance to meet the conditions of • your schedule.
Section147 of the 1988 Road Traffic Act.
Market value
Cover note The cost of replacing your vehicle in the
A temporary certificate of motor insurance. British Isles with a car of the same make,
model, specification, mileage, age and
Defined organisation
condition of your vehicle just before the
1 A motor garage or other similar loss or damage.
business, which you do not own, which
has your vehicle for: No-claim discount
•
maintenance; A discount from your premium if you do
• repair; not make a claim, or if you are not involved
• testing; or in an incident which may lead to a claim.
• servicing. Your schedule shows the number of years
no-claim discount you have.
2 A hotel, restaurant or similar business,
which you do not own, where your car has Period of insurance
been parked for you. The length of time your policy lasts as
Endorsement shown on your schedule.
A change to your policy. Permitted driver
Entertainment and communication Any person your certificate of motor
equipment insurance covers to drive or control your
vehicle with your permission.
Any:
r
• adio, cassette, compact disc or other Policy
audio equipment; The following documents:
p
• hone or other communication y
• our statement of insurance;
equipment; or t
• his policy wording
v
• isual navigation equipment; (pages 5 to 22 inclusive);
while fitted into your vehicle. • your schedule;
Excess • your certificate of motor insurance; and
a
• ny endorsements shown on your schedule.
The amounts which you must pay if you
make a claim.
6 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
Road Traffic Act Changes which affect your
The law which shows the minimum motor insurance
insurance which you need in the British Isles.
You must tell us about changes which
Schedule may affect your insurance. In particular
The document which describes: you must tell us before you change your
• you; vehicle. Here are some examples of other
• he cover that applies and the period
t changes you must tell us about. This list
of insurance; is not exhaustive and the premium and/or
• any other permitted driver; and terms may alter as a result of any changes.
a
• ny other details of your policy that are • If you get an extra vehicle.
specific to you. I
• f you change your address (also tell us
Statement of insurance where you park your vehicle overnight).
I
• f you or any other driver changes jobs.
The form which gives details of:
Tell us about part-time work or having
• you;
no work.
• any other permitted driver; and
I
• f you change what you use your
a
• ll material information which you told us
vehicle for.
about or someone else told us about on
I
• f you make changes to your vehicle,
your behalf. (Material information is the
such as alloy wheels, spoilers, lowered
information the insurers would consider
suspension and so on.
when assessing the risk.)
• If you want to cover any different driver.
Theft I
• f you or any person allowed to drive has
Any: been involved in a motoring accident
• theft; or or claim.
• ttempted theft;
a I
• f you or any person allowed to drive
which you reported to the police. has been charged with or convicted
of any motoring offences or fixed
Us, our or we penalty offences.
Kwik Fit Insurance • If you or any person allowed to drive
PO Box 007 develop a new illness or physical condition.
Glasgow I
• f the person who uses your vehicle the
G71 5PU. most changes.
You or your If you do not tell us about changes, your
Whoever is named as the policyholder in: insurance may not cover you fully or at all.
• your certificate of motor insurance; and
Please ask us for help if you are not sure
• your schedule. whether to tell us about certain information
Your vehicle or changes to circumstances.
The vehicle shown: Your insurance premium and policy terms
i
• n the ‘Description of vehicles’ on your may alter as a result of a change. We will let
certificate of motor insurance, and you know of any difference when you make
described in your schedule; and us aware of a change. Your insurer has the
u
• nder ‘Vehicle details’ on your cover right not to accept your policy on the basis
note. of new details. If this happens, we will try to
find an alternative insurer for you.
This is the vehicle you have told us about
and your insurer has agreed to insure.
Customer Service – 0800 280 2222 7
Motor and Legal Expenses - Policy Wording
Types of Cover
Your current schedule shows what you are Third party only
covered for. The different kinds of cover Sections 2, 5, 6 and 8 apply.
are shown below.
Remember – The general terms,
Comprehensive conditions and exclusions apply to all
Sections 1, 2, 3, 4, 5, 6, 7 and 8 apply sections of this insurance.
Third party fire and theft Legal Expenses Policy
Sections 1, 2, 5, 6, 7 and 8 apply. This cover applies if you have paid the
Section 1 only covers you for losses from Legal Expenses Insurance premium (as
fire and theft. shown on your covering letter), please
see pages 26 to 39 for full details of the
cover given.
SUMMARY OF COVER
Your certificate of insurance shows the level of cover you have chosen along with the start and end
date and times of your policy
This is a Policy Summary only. It does not contain the full terms and conditions of the contract. For full details of
all policy terms & conditions, please refer to the relevant section of this book.
Significant Features Significant/Unusual Exclusions & COMP TPFT TPO
& Benefits Limitations (see also overleaf)
Accidental damage The most your insurer will pay is the
cover market value of your vehicle at the time
✓ ✗ ✗
(see Section 1) of the loss.
Theft of audio A limit of £300 (if cover is COMP) and
equipment £100 (if cover is TPFT) applies if the
✓ ✓ ✗
(see Section 1) equipment was not fitted as standard
Fire & theft damage Excludes loss or damage to your vehicle
cover by theft if:-
✓ ✓ ✗
(see Section 1) a) left unlocked or with the keys in or on
it, or
b) the vehicle is an open top/convert-
ible and the hood has been left open/
unlocked, or
c) as a result of someone taking it by
fraud or trickery.
The most your insurer will pay is the
market value of your vehicle at the time
of the loss.
Third party liability cover A limit of £20,000,000 applies to third
including whilst towing party property damage claims, in addition
✓ ✓ ✓
(see Section 2) to a limit of £5,000,000 for legal costs and
other expenses incurred for such claims.
Glass cover
(see Section 3)
✓ ✗ ✗
Continued overleaf...
8 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
SUMMARY OF COVER
Significant Benefits (continued)
Significant Features Significant/Unusual Exclusions COMP TPFT TPO
& Benefits & Limitations (see also overleaf)
New vehicle Your vehicle will be replaced with a new
replacement one of the same make, model and
✓ ✗ ✗
(see section 4) specification if;
• Your vehicle is less than 12 months old
• You are the owner & first registered
keeper
• The cost of repair is more than 60% of
the list price, &
• A replacement is available in the UK.
Personal Belongings A limit of £150 applies. Cover does not
cover apply;
✓ ✗ ✗
(see Section 4) • To money, tickets, documents, jewellery,
furs, goods or samples
• If your vehicle is an open-top, convertible
or motor-caravan
• If any window, door, roof opening,
removable roof panel or hood is left open
or unlocked
• If the keys (or any other device needed
to lock the car) are left in or on the car.
Personal Accident Cover applies to yourself, your spouse or
cover your Civil Law partner. A limit of £5000 per
✓ ✗ ✗
(see Section 4) person applies in the event of death, loss
of limb or blindness as a direct result of
an accident while travelling in a vehicle.
Cover does not apply;
• To anyone aged over 80
• To anyone driving under the influence of
drink or drugs
• To anyone not wearing a seat belt
• If caused by suicide or attempted suicide.
European cover The policy extends the same level of cover
(see Section 5) you have in the UK to the countries listed
✓ ✓ ✓
in Section 5 of your policy. This cover does
not apply;
• If you are using any vehicle other than
your own vehicle
• If your permanent home is not in the
British Isles
• For more than 60 days per period of
insurance.
Guaranteed courtesy Provided you use our approved repairer,
vehicle a courtesy vehicle will be provided while
✓ ✗ ✗
(see “How to Make a your vehicle is being repaired by them.
Claim” section) The type of courtesy vehicle is at their
discretion.
Customer Service – 0800 280 2222 9
Motor and Legal Expenses - Policy Wording
SUMMARY OF COVER
In addition to the benefits listed overleaf, the following may apply;
Protected No Claims Only applies if you selected it If it applies, your no claim
Discount (Endorsement 001 will show on your discount will only be reduced if
(see Endorsements schedule) you have more than 2 claims in
section) 5 periods of insurance.
Driving Other Cars Only applies if shown on your certificate If it applies this gives third
cover of motor insurance (under “Persons or party only cover, for you only, to
(see Section 2) classes of person entitled to drive”). drive other cars (not belonging
to you). Cover only applies in
the British Isles, you must have
the owner’s permission to drive
their car and the car must have
a current and valid policy of
insurance in force.
SUMMARY OF SIGNIFICANT & UNUSUAL GENERAL EXCLUSIONS
This is a summary only. For full details of all policy exclusions, please refer to the policy document.
For full details of the exclusions specified below, please refer to the relevant Sections (listed below)
within the policy document.
Exclusion Refer to Section Only applies if
below for details cover is…
Excesses – you will have to pay the amount of excess Section 1 COMP
shown in your schedule. The amount will vary depending TPFT
on the type of damage.
Excesses – you will have to pay an additional excess if Section 1 COMP
your vehicle is damaged while driven by a young/
inexperienced driver.
Excesses – you will have to pay an additional excess if Endorsements COMP
your policy has a limited mileage clause (Endorsement
007 will show on your schedule), the limit is exceeded,
and there is a claim
Glass Excess – you will have to pay an excess if you Section 3 COMP
make a claim for glass damage. The amount is shown
on your schedule, and varies depending on whether an
approved repairer is used or not.
Driving Licence – the insurance does not cover any General Exceptions COMP
loss, damage or liability that happens while the vehicle TPFT
is being driven by someone who doesn’t hold a driving TPO
licence, or doesn’t meet the terms and conditions of their
driving licence.
Use – the insurance does not cover any loss, damage or General Exceptions COMP
liability that happens while the vehicle is being used for TPFT
something it is not insured for (the certificate of motor TPO
insurance shows what the vehicle may be used for).
Drivers – the insurance does not cover any loss, General Exceptions COMP
damage or liability that happens while your vehicle is TPFT
in the charge of someone who is not a permitted driver TPO
(unless your vehicle is stolen).
10 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
Section 1: Cover for loss or These excesses will be shown in your
damage to your vehicle schedule and on any endorsement that
What your vehicle is covered for applies to this insurance. The young or
• our insurance covers loss of or damage
Y inexperienced driver excess will be on top
to your vehicle. This includes its standard of any other excesses which apply.
accessories and spare parts if you keep
these in or on your vehicle or in your Young or inexperienced driver excess
private garage. If your vehicle is damaged while a young or
• our insurance also covers loss of
Y inexperienced person is driving it, you will
or damage to your vehicle’s fitted have to pay part of the cost of each claim
entertainment and communication as follows.
equipment. This cover does not include Driver’s age Amount you pay
tapes, cassettes, compact discs or citizen-
band radios. Under 21 £300
21 to 24 £200
Your payment towards a claim 25 or over who has not
(the excess) held a full UK licence
I
• f you claim for damage to your vehicle, you for 12 months or more £100
must pay the amount shown in section 5 of
your schedule. This excess is on top of any other excess
• If you are claiming only for loss of
which you may have to pay. This excess
or damage to entertainment and does not apply while your vehicle is with a
communication equipment, you will not ‘defined organisation’ and does not apply to
have to pay the excess. But, if there is fire and theft.
any other damage to your vehicle at the How your claim will be settled
same time, you will have to pay the excess
If your insurer pays your claim, they will
(shown against section 5 of your schedule).
either:
• repair the damage;
The excess is the amount you have to pay p
• ay you the amount of the loss or damage;
for every claim for loss of or damage to or
your vehicle (for example, if your repairs g
• ive you an amount to replace what is lost
cost £1000 and you have a £100 excess, or damaged and not worth repairing.
you pay £100 and your insurer pays
£900). Excesses apply whoever was to Your insurer will decide how to settle your
blame. But if the accident was not your claim.
fault, and you have legal expenses cover If they pay you the amount of the loss or
with us, you may be able to make a claim damage and your vehicle can be repaired,
through your legal expenses policy. they will take VAT off the amount before
paying you (unless your vehicle is a
There are three kinds of excess. commercial vehicle).
Compulsory – your insurer will apply this
in certain circumstances, such as for high The most your insurer will pay
performance cars. Voluntary – if you have a For your vehicle:
chosen to have an excess, your insurer t
• he ‘market value’ of your vehicle just before
will give you a discount on your premium. loss or damage (except in the case of section
Young or inexperienced driver – this 4 extra benefits – new car replacement)
depends on the age of the driver and how b For entertainment and communication
long they have been driving. equipment:
Customer Service – 0800 280 2222 11
Motor and Legal Expenses - Policy Wording
£
• 300 if your policy cover is Y
• our insurer must agree before any new
comprehensive; or part or accessory is ordered for you or
£
• 100 if your policy cover is third party fire supplied to you.
and theft; I
• f your insurer thinks that the estimate for
repairing your vehicle is too much, they
except for the manufacturer’s standard fitted
may ask you to go to another repairer.
equipment, in which case there is no limit to
your cover. Total loss (write off)
If you cannot replace any lost or If your insurer decides to pay you the market
damaged part or accessory, the most value of your vehicle, you must send them
your insurer will pay will be: all vehicle keys, the certificate of motor
insurance, the vehicle registration document
t
• he cost shown in the manufacturer’s last
and (if this applies) the Department for
price list; and
Transport test certificate (MOT) before they
• the reasonable cost of fitting.
will pay your claim. They may move your
Repairs which improve your vehicle vehicle somewhere safe.
If you have any repair or replacement carried Your vehicle belongs to your insurer once
out which leaves your vehicle in a better they have paid you the insurance money.
condition than it was before the loss or If they have agreed that you can keep the
damage, you will have to pay part of the car they will pay the insurance money when
cost of the repair or replacement. they have taken off the salvage value. If
your insurer has also agreed to insure your
Examples of this are if you have your vehicle once it is fit to drive again, cover
exhaust, battery or worn tyres replaced. will only be started again when you have
an MOT certificate and an independent
Hire purchase or leasing agreements engineer’s report showing that the vehicle is
If your vehicle is on hire purchase, or leased, fit for you to drive.
or belongs to someone else, your insurer
will normally pay your claim to the car’s legal As soon as your insurer says that your
owner. vehicle is a total loss, only section 2 of
this policy (your liability to other people)
Repairs after an accident or theft will apply until you tell us that your vehicle
• f you cannot drive your vehicle after an
I has been made roadworthy (if your insurer
accident or theft that is covered by this agrees to cover it) or you tell us you have
insurance, you are insured for making it changed your vehicle.
secure and having an authorised agent
If your cover is not started again within 30
take it to the nearest suitable repairer or
days, or by the end of the current period
another safe place. You are also insured
of insurance (whichever comes first), your
for having it taken back to your address
policy will be cancelled.
after it has been repaired. Your insurer
will not pay the cost of any transport
If your vehicle is a total loss, your cover
outside the country where the damage
reduces to third party only until you tell
or loss happened unless they agree to
us you have changed your vehicle, or the
this first.
vehicle is fit for you to drive again (if your
Y
• ou should not move your vehicle if this insurer agrees to insure it again). If your
could cause any more damage. cover is not started again, after 30 days
Y
• our insurer may arrange a safe place to your policy will be cancelled.
keep your vehicle while it is waiting to be
repaired, inspected or got rid of.
12 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
What is not covered Section 2: Your liability to
Section 1 of your insurance does not other people
cover any of the following: Damage and injury you cause to other
W
• ear and tear, mechanical, electrical, people
electronic or computer failures or You are insured for everything you have to
breakdown or breakages, although pay for by law, including:
any loss or damage caused by failure, • damages;
breakdown or breakage may still be • claimant’s costs; and
covered. • expenses.
D
• amage to tyres caused by braking or by
The insurer will only pay these costs if they
punctures, cuts or bursts.
are the result of something that happens
L
• oss from taking your vehicle and returning
while you are driving or in charge of your
it to its legal owner.
vehicle and if:
T
• he value of your vehicle dropping
• you kill or injure other people; or
because of damage, whether you have
y
• ou damage property belonging to
repaired it or not.
other people.
A
• ny losses caused as a result of damage
covered by this policy. Cover for other people
• Loss of use of your vehicle. Your insurer also covers the following
L
• oss of or damage to your vehicle by people for legal liabilities to others;
someone taking it by fraud or trickery, or A
• ny person you allow to use your
from any agreement while you are selling vehicle as long as your certificate of
or hiring your vehicle. motor insurance shows that they can.
L
• oss of or damage to your vehicle by theft The person must not be banned from
if you or anyone else has left it unlocked, driving your vehicle by an endorsement,
or left it unattended with the keys in it, or exclusion or condition.
on it. A
• ny person who causes an accident
L
• oss of or damage to your vehicle by while they are travelling in or getting into
theft if the vehicle is an open-top, targa or or getting out of your vehicle.
convertible, and the roof opening or hood Y
• our employer or business partner (if
has been left open or unlocked. your certificate of motor insurance allows
T
• he cost of any item which caused fire business use).
damage to your vehicle.
• ny excess that applies to this
A If anyone covered by this insurance dies,
insurance. your insurer will transfer to their estate the
• oss or damage to your vehicle by it being
L protection given by this policy.
confiscated or destroyed by order of Driving other cars
government or public/local authority. If your certificate of motor insurance says
You must take all reasonable steps to avoid so under ‘Persons or classes of persons
loss of or damage to your vehicle. For entitled to drive’, you are insured to drive
example, you should take the keys when you any private car that you do not own and
leave the vehicle and make sure that you do have not hired under a hire-purchase or
not leave valuables where they can be seen. leasing agreement. But, you will not be
You should close all the windows and lock insured for any loss of or damage to the
all the doors. Always make sure that any car you are driving. Also, you will not be
alarm or immobiliser is on. insured in the following circumstances.
Customer Service – 0800 280 2222 13
Motor and Legal Expenses - Policy Wording
I
• f you do not have the owner’s permission against a charge of manslaughter or
to drive the car causing death by dangerous driving.
I
• f you are covered by any other insurance
Emergency medical treatment
to drive the car
• If the car is not registered in the UK You are insured for emergency medical
• While you are outside the British Isles treatment fees after an accident involving
• se to secure the release of any
U any vehicle which this insurance covers. By
other vehicle which has been seized law the person who owns the car must pay
or confiscated by or on behalf of any the cost of emergency treatment fees. You
government or public authority must pass the bill for emergency treatment
• se of a private motor car unless there is
U to your insurer straight away after telling
a current and valid policy of insurance in us about the incident. The Road Traffic
force for the vehicle being driven under Act says that your insurer must give this
this section. emergency medical treatment cover. If this
is the only payment made, it will not affect
You are insured if you are using someone your no-claim discount.
else’s car (but only if your certificate says
you can). This cover only applies to you – Towing
no other driver on your policy is included You are insured while any vehicle covered
in this extra cover. There is no cover for the by this insurance is towing a caravan or
car you are driving in these circumstances, trailer. The cover will apply as long as the
the cover is for third party only. If you have towing is allowed by law, and the caravan
MotorPlus legal expenses cover, it does or trailer is attached properly by towing
not apply to accidents that happen while equipment made for this purpose.
you are using this extra cover. This section of your insurance does not
cover any of the following.
The most your insurer will pay D
• amage to or loss of the caravan or
The most your insurer will pay for damage trailer.
to property as a result of any accident(s) D
• amage to or loss of property being
caused by a vehicle driven by or used by carried in or on the caravan or trailer.
you or any other person and for which A
• ny claim if you are towing a caravan or
cover is given under this section will be: trailer for profit.
£
• 20,000,000 for loss of or damage D
• eath or injury to any person being
to property including any indirect loss carried in or on or getting into or out of
or damage, but excluding costs and the caravan or trailer.
expenses A
• ny liability incurred while the caravan or
£
• 5,000,000 for legal costs and other trailer is not attached.
expenses in respect of any claim or series
of claims arising from any one event What is not covered
causing loss of or damage to property. This section of your insurance does not
cover any of the following.
Legal costs L
• iability for death or injury to any person
If your insurer agrees in writing, they will arising out of and during that person’s
pay for a legal representative to represent employment.
you in the following circumstances. A
• nyone who is covered by another
R
• epresenting you or any permitted driver insurance.
at a magistrates court, fatal accident L
• oss of or damage to any vehicle covered
enquiry or coroner’s inquest. by this insurance.
D
• efending you or a permitted driver L
• oss of or damage to any property
14 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
belonging to (or in the care of) any driver period of insurance is £5000 for any one
or passenger who is making a claim person.
under this section.
They will only pay if the injury or death
happens while you or your husband or wife
Section 3: Glass damage
or Civil Law partner (as defined in the Civil
You are insured for: Partnership Act 2004) are travelling in,
• damage to your vehicle’s glass; and getting into or getting out of your vehicle,
a
• ny scratches to the bodywork caused by or any other private car that you do not
the glass breaking. own, hire or lease. This benefit will be
paid to the injured person or to his or her
This includes damage to all windows, the
personal representatives.
windscreen and glass sunroofs.
This personal accident cover does
If glass damage is the only damage you
not apply:
are claiming for, it will not affect your no-
t
• o anyone aged over 80 at the time of
claim discount.
the accident;
Your contribution to the claim i
• f the death or injury is caused by suicide
(the excess) or attempted suicide;
You must pay the excess shown against i
• f the death or injury is caused to any
section 5 in your schedule for any glass person driving while under the influence
damage claims. This excess will not apply of drink or drugs; or
if you have the glass repaired. t
• o any person not wearing a seat belt
when the law says they should be.
What is not covered
This section of your insurance does not 2 Personal belongings
cover damage to any of the following If personal belongings in your vehicle are lost
• Roof panels or damaged because of an accident, fire or
• Winding mechanisms theft, these are insured up to £150 in total.
L
• ights and/or reflectors, even if they are If someone else owns the property, you
made of glass. can ask your insurer to settle the claim
with them.
Section 4: Extra benefits
This cover does not apply:
You do not have to pay an excess for any t
• o personal belongings covered by any
part of this section. other insurance;
1 Personal accident cover t
• o money, stamps, tickets, documents,
If you or your husband or wife or Civil jewellery or furs;
Law partner are injured or killed in a car t
• o goods or samples for your work or any
accident, your insurer will pay the amounts other trade; or
shown below if, within three months of the i
• f your vehicle is a motor-caravan or an
accident, the accident directly causes; open-top or convertible
i
• f any window, door, roof opening,
• death £5000 removable roof panel or hood is left open
t
• otal loss of one or both or unlocked; or
hands or feet £5000 i
• f the keys (or any other device needed to
p
• ermanent total blindness lock the car) are left in or on the car
in one or both eyes £5000 t
• o theft of personal belongings, unless
The most your insurer will pay in any one they are hidden in a glovebox or luggage
Customer Service – 0800 280 2222 15
Motor and Legal Expenses - Policy Wording
compartments and the vehicle is locked your vehicle. Your insurer will pay towards
when it is unattended. the cost of replacing: The door locks and/
or boot lock. The ignition/steering lock. The
3 Medical expenses
lock transmitter, ignition keys, entry cards
If you or your passengers are injured in and central locking interface.
an incident involving your vehicle, you are
insured for up to £200 for each person for 7 Child Seat Cover
any medical treatment which is needed. In the event of an insured incident,
4 New car replacement providing the child seat is in the vehicle at
Your insurer will replace your vehicle with a the time of the incident we will contribute
new one if your vehicle is within 12 months towards the cost of a replacement child
of when you first registered it as new, and is: safety seat up to £100 per seat, even if
• stolen and not recovered; or there is no apparent damage. This cover
• amaged, and the cost of repair or
d is subject to you making a claim under
replacement is more than 60% of the Section 1 – Loss or damage to your car.
British Isles list price including taxes. What is not covered
If you ask, your insurer will replace your This section of your insurance does not
vehicle with a new one of the same make cover any of the following.
and model as long as: T
• heft that has not been reported to the
• everyone involved agrees; police within 24 hours.
a
• replacement vehicle is available from L
• ost or damaged keys, transmitters or
stock within the British Isles; and entry cards.
y
• ou own your vehicle or have a hire- R
• eplacement of alarms or other security
purchase agreement for it. devices used in connection with your
If a replacement vehicle is not available, vehicle.
your insurer will pay you the market value T
• heft of keys, transmitters or entry cards
of your vehicle just before the loss or that were left in or on the vehicle if the
damage happened. vehicle was left unlocked or unattended.
5 Hiring Transport • Theft where reasonable care was not
If your vehicle is stolen and not recovered, taken to prevent the incident.
your insurer will pay you £20 a day for K
• eys, transmitters or entry cards taken by
up to five days towards the cost of hiring a family member/person resident at your
another car. The period of up to five days address.
applies from 24 hours after you have
reported the theft to the police up until the Section 5: Driving abroad
vehicle is found. Minimum cover
The most you will get for every period of Your policy gives the minimum insurance
insurance is £100. The insurer will not pay you need to drive your vehicle in:
the claim unless you hire another car. a
• ny country which is a member of the
European Union; and
6 Replacement Locks a
• ny country which the Commission
You are insured for up to £500 towards the of the European Community approves
cost of replacement locks, for your vehicle as meeting the rules of Article 7(2)
if the keys, transmitters or entry cards for of the European Community Directive
your vehicle are stolen and it is reasonable on Insurance of Civil Liabilities arising
to believe that any person who has them from the use of motor vehicles
knows the identity or garaging address of (no.72/166/CEE).
16 If you have an accident abroad call 0044 845 722 1300 or 0044 132 460 6177
www.kwik-fitinsurance.com
Countries in which this policy applies Extending your cover abroad –
As well as the minimum cover shown outside the European Union
above, your policy cover (as shown on There is no agreement outside the EU
your schedule) is valid in the following about minimum cover. Unless the country
countries as well as the British Isles. you are travelling to is listed on page 15,
Andorra San Marino and no cover applies at all. So you must call
Austria Vatican City) us to make arrangements before you go
Belgium Latvia abroad. If your insurer agrees to extend your
policy, we will issue an international motor
Bulgaria Lithuania
insurance certificate (green card). You may
Croatia Luxembourg have to pay an extra premium for this.
Cyprus Malta
Czech Republic Netherlands Full policy cover is given for most European
Denmark Norway countries for up to 60 days a year Your
Estonia Poland policy also gives you the minimum cover
Finland Portugal needed in any other country not listed on
France (including Republic of Ireland page 15, but which has made arrange-
ments to meet the minimum insurance
Monaco) Romania
needed by the EU. This cover is very
Germany Slovakia
limited and will not include cover for any
Gibraltar Slovenia damage to your car, even if you have
Greece Spain comprehensive cover. We strongly advise
Hungary Sweden you to contact us two weeks before you
Iceland Switzerland (including intend to travel if you will be travelling to
Italy (including Liechtenstein) any country not listed so that we can
explain how to extend your cover.
Your insurer will not give policy cover
outside the British Isles in the following You do not need a Green Card if you are
circumstances unless they agree otherwise. travelling to countries within the European
• f you are using any vehicle other than
I Union. But you should take your certificate
your vehicle of motor insurance and this policy booklet
• f your permanent home is not in the
I with you.
British Isles.
Customs duty
I
• f you use your vehicle outside the British
Isles for more than 60 days in a period of You are covered if you have to pay
insurance. customs duty for your vehicle if:
t
• here is loss or damage to your vehicle
Cover also applies while your vehicle is which is covered under this policy; and
being carried between sea or air ports or t
• he loss or damage happens in any
railway stations within these countries, as country listed above.
long as this travel is by a recognised sea,
air or rail route. The most your insurer will pay for this is
the market value of your vehicle.
Extending your cover abroad – within
General Average Contribution
the European Union
You are covered for general average
If you are going to travel within the EU for
contribution, salvage and sue and labour
more than 60 days in a year, you should let
charges while your vehicle is transported
us know before you go abroad. If you ask
at sea (please see page 5).
and if your insurer agrees, we will extend
your policy to cover this. You may have to The most your insurer will pay for this is
pay an extra premium for this. the market value of your vehicle.
Customer Service – 0800 280 2222
If you have an accident abroad call 0044 845 722 1300 or 0044 132 460 6177 17
Motor and Legal Expenses - Policy Wording
Section 6: No-claim discount insurer cancel it at a later date.
Your insurer will reduce your renewal If you want to cancel your policy, you must
premium as stated by the no-claim either call or write to us. You must return
discount scale that applies at the time you the certificate of motor insurance to us
renew your policy as long as: within 7 days of your request. If you do not
• you do not claim under this insurance; do this, it is an offence under the Road
• no claim has been made against you; and Traffic Act.
n
• othing has happened which may result When your policy is cancelled, your
in a claim. insurer will make a proportionate charge
for the number of days on cover. The rest
If a claim is made under your policy, all or of the money that you paid will then be
some of your no-claim discount will be lost refunded. If a “total loss” claim has been
(depending on the number of years no-claim made on your policy, no refund will be
discount you have and the no-claim discount given, and, if you are paying your insurance
scale used by your insurer at the time). by instalments, you will have to pay the
We check your no-claim discount every time balance of the premium.
you renew your policy (or when your policy
You may cancel this policy at any
is cancelled). As no-claim discount scales
other time
can change, you should call us if you need
to know what your no-claim discount is. You may cancel this policy at any time after
the first 14 days. If no claims have been
If you are no longer insured with us, we made (and there are no pending claims),
will only issue proof of any no-claim your insurer will allow a proportionate
discount when your account is paid in full. refund of premium from the cancellation
date. By law, you must return your
Section 7: Extra cover certificate of motor insurance within seven
days of the cancellation date.
If your vehicle is in the care of a ‘defined
organisation’ (such as a garage or If any car insurance claims have been
restaurant – see page 5 for the definition) made (or if there are any pending claims),
and is damaged while being driven or no refund of premium will be allowed.
used outside the circumstances shown on
If you are paying your insurance by
your certificate of motor insurance, then
instalments, and you cancel your policy
you are covered for this loss or damage,
after a claim (or an event that may lead
depending on the level of cover you have.
to a claim), you must pay the balance
You will not have to pay any excess in of premium, even if you no longer have
these circumstances. the vehicle.
Section 8: Cancellation We may cancel this policy
If we (or your insurer) cancel your policy,
You have the right to cancel this we (or they) will write to you at your
policy within 14 days last known address, telling you that all
You have the right to cancel this policy cover will stop seven days after the date
within 14 days of receiving the policy of the letter. You must also return your
documents or the date the policy starts, certificate of motor insurance to us. If no
whichever is the latter. If you do not claims have been made (and there are no
cancel, the policy will continue until the pending claims), your insurer will allow a
expiry date shown on your certificate of proportionate refund of premium from the
motor insurance, unless you, we or your cancellation date.
18 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
If any car insurance claims have been This does not apply for any claim
made (or if there are any pending claims), under sections 1 or 3 when your
no refund of premium will be given. vehicle is with a ‘defined organisation’.
Cancellation if your insurer stops 2 Any liability you have accepted under an
trading agreement or contract unless you would
In the unlikely event that your insurer have the liability if the agreement or
stops trading (for example, because of contract did not exist.
insolvency), we or your insurer or their 3 Anyone who does not meet all the
representative will write to you at your last conditions of this insurance.
known address, giving you seven days’ 4 Any liability, accident, injury, loss or
notice that all cover will be cancelled. damage caused directly or indirectly by:
If this happens, you may be entitled to w
• ar, revolution, or any similar event
get a refund of part of your premium (unless your insurer needs to give
as calculated by the Financial Services cover to meet relevant insurance law);
Compensation Scheme. This is even if you a
• cts of terrorism (unless your insurer
have made a claim or have a claim pending needs to give cover to meet the
under your policy. Road Traffic Acts) as defined by the
If your policy is cancelled within the first Terrorism Act 2000, or as defined by
14 days of your policy starting or receiving any UK Court of Law;
your policy documents, whichever is r
• iot or civil commotion happening
the latter, we will make a charge of £25 outside of England, Wales, Scotland,
to cover our processing costs. If your the Isle of Man and the Channel Islands
policy is cancelled after 14 days, we will (unless your insurer needs to give
charge £50. We will take the charge for cover to meet relevant insurance law);
cancelling away from the refund given • earthquake;
by your insurer. These cancellation terms i
• onising radiation or radioactive
will not apply if your policy is cancelled contamination from nuclear fuel,
because your insurer stops trading. or nuclear waste, from burning
nuclear fuel, or any risk from nuclear
General exclusions equipment; or
p
• ressure waves caused by aircraft
These general exclusions apply to the and other flying objects travelling at or
whole of this insurance. above the speed of sound.
Your insurance does not cover the 5 Any legal action taken against you
following outside the British Isles, unless it is as a
1 Any accident, injury, loss or damage that result of using your vehicle in a country
happens while your vehicle is: which your insurer has agreed to extend
• eing used for something it is not
b
this insurance to cover.
insured for; 6 Any liability, injury, loss or damage
i
• n the charge of anyone who is caused directly or indirectly by pollution
not a permitted driver (unless your or contamination, unless the pollution or
car is stolen or taken without your contamination happens at a specific time
permission); or and place during the period of insurance
b
• eing driven by someone who does and is directly caused by one incident
not hold a driving licence, or does not and is:
meet the terms and conditions of their • sudden;
driving licence. • identifiable;
Customer Service – 0800 280 2222 19
Motor and Legal Expenses - Policy Wording
• not deliberate; and n
• ot do anything which may prejudice your
• unexpected. insurer’s position; and
The insurer will assume that the pollution g
• ive us and your insurer all the help we
caused by the incident happened when may need to deal with a claim.
the incident took place. This exception Handling a claim for you
does not apply if any motor insurance law Your insurer can:
says that your insurer must give this cover. t
• ake over, carry out, defend or settle any
7 Any loss, damage or liability arising claim; and
while your vehicle or any other vehicle t
• ake action (which they will pay for) to get
covered by this insurance is in any place back any money they have paid out under
where aircraft take off, land or park this insurance.
including any associated service roads, Your insurer will take this action in your
refuelling areas, ground equipment areas name or the name of anyone else covered
or the Customs examination areas of by this insurance. You or the person whose
international airports. name they use must give all the information
and help they may need.
General conditions
False claims
What you must do Your insurer will not pay a claim which
This insurance will only apply if: is fraudulent or false or where they have
t
• he person claiming meets all the been given documents which are false or
conditions in this document, and stolen. If this happens all cover under this
a
• ll the information you have given us is insurance will end.
correct and complete
Insurer’s right to recover losses
Your premium is based on the information you If the law of any country says that your
gave us when your cover started and when insurer must pay a claim which they would
you renew it. If the circumstances change not otherwise have paid, they can get the
you must tell us as soon as possible. costs back from you or the person who
If you do not give us full and honest was using your vehicle.
information, your insurer may refuse to pay Looking after your vehicle
your claim. You and the permitted drivers must:
Accident and claim procedures p
• rotect your vehicle from loss or damage;
After any accident, injury, loss or damage, and
you must: k
• eep your vehicle and any trailer or
• give us full details as soon as you can; caravan being towed by your vehicle in a
• end any letter about the claim, (which
s safe and roadworthy condition.
you must not answer) directly to your Your vehicle must be covered by a valid
insurance company (we will give you Department for Transport test (MOT)
their name and address when you tell us certificate if you need one by law. Whenever
about the claim); the vehicle is unattended, it must be locked
t
• ell us as soon as you know about any and all the keys removed. You must allow
prosecution, coroner’s inquest or fatal your insurer to examine your vehicle and any
accident enquiry; trailer or caravan towed by your vehicle at
d
• o not admit that you are to blame, offer any reasonable time.
to pay for anything or sign anything at the
scene of the accident;
20 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
Other insurance Endorsement 4 – Excluding drivers
If you claim for anything that is covered by under 25 other than people named in
another insurance, your insurer will only the schedule
pay their fair share of any claim. You will not be covered while your vehicle
is being driven by or is in the charge of any
Cover for car-sharing
person under 25 unless they are named in
Your policy allows you to accept payment the schedule.
from passengers in your vehicle as part of
a car-sharing agreement, as long as: Endorsement 5 – Official use clause
y
• our vehicle has not been built or You are insured while your vehicle is being
adapted to carry more than eight used by you on official business. If you get
passengers and a driver; a mileage allowance for this or for carrying
y
• ou are not carrying passengers as part official passengers, your insurer will not
of a business of carrying passengers; count it as use for hiring or for carrying
and passengers for hire or reward.
y
• ou do not make a profit from the
Endorsement 7 – Limited mileage
payments you get for a journey.
Your insurer has lowered your premium
Endorsements because you have agreed that you will
not drive more than the number of miles
An endorsement only applies if it is shown every year shown on your Statement of
on your schedule. Details of all endorse- Insurance. If you go over this mileage, you
ments are either shown in this section or on will have to pay the following amounts
your schedule. If an endorsement number towards any claim for accidental loss or
has a person’s name or a type of person damage to your vehicle.
after it, the endorsement applies only to that M
• ileage limit gone over by 1000 miles or
person or type of person. The general less – £250 excess.
terms, conditions and exclusions of this M
• ileage limit gone over by 1000 miles or
insurance also apply to the endorsements. more – £500 excess.
Endorsement 1 – No-claim discount These amounts apply as well as any other
protection excesses that may apply.
Your Insurer will only lower your no-claim Endorsement 9 – Excluding drivers
discount if you have made more than two under 30 other than people named in
claims (including claims made against you) the schedule
in the last five periods of insurance. You will not be covered while your vehicle
Endorsement 2 – Excluding drivers is being driven by or is in the charge of any
under 25 person under 30 unless they are named in
the schedule.
You will not be covered while your vehicle
is being driven by or is in the charge of Endorsement 12 – Security
anyone who is under 25. Your insurer will only cover claims for theft
Endorsement 3 – Excluding drivers damage under Section 1 (Cover for loss or
under 30 damage to your vehicle), when a Thatcham
Category 1 or 2 immobilising device or
You will not be covered while your vehicle a Tracker device has been fitted to your
is being driven by or is in the charge of vehicle. The device must be fitted in line
anyone who is under 30. with the manufacturer’s instructions, and
must be in active operation at all times the
Customer Service – 0800 280 2222 21
Motor and Legal Expenses - Policy Wording
car is left unattended. Proof that the device Endorsement 18 – Imported cars
is fitted to your vehicle will be required (grey imports)
before your insurer will consider any theft If your car is defined by the Driver and
claim under Section 1. Vehicle Licensing Authority (DVLA) as
Endorsement 15 – Compulsory a ‘personal import’ or ‘very low volume
Overnight Location vehicle’ and you imported it from outside
the European Union, your insurer will only
Your insurer will only be liable for claims for
provide cover under this policy if your car
fire, theft or attempted theft damage under
met the DVLA’s ‘type approval regulations’
Section 1 (Cover for Loss or Damage
when it was imported to the United Kingdom.
to Your Vehicle) when your vehicle has
been locked in a secure garage overnight, The following amendments apply to your
(22:00 - 06:00) if within the vicinity (half a policy;
mile) of your home address. a) You are not entitled to the new car
replacement benefit or the hiring
Endorsement 16 – Vehicle-tracking
transport benefits under section 4.
device requirement
b) If your car is damaged and the cost of
Amendment to section 1 – Loss of or repairing it is more than it is worth, or
damage to your car. if your car is stolen and not found, your
Your Insurer will not cover you under this insurer will only pay up to the market
section of your policy for theft or attempted value of your car in the United Kingdom
theft unless: at the time it was stolen or damaged.
a) your car is fitted with a vehicle-tracking Your Insurer will not pay more than the
system approved by your insurer and amount shown on the receipt for your
the system was turned on and working car or the value of your car that you
properly at the time of the theft or declared to us at the start of your policy,
attempted theft; whichever is lowest.
b) you have paid all your tracking c) If your car is damaged and the suitable
subscriptions; and parts or accessories are not available in
c) you tell the vehicle-tracking system the United Kingdom, your insurer may
company about the theft within 4 hours choose to send you a cheque for the
of you (or anyone else in charge of your amount of the loss or damage instead
car) being told your car has been stolen. of repairing your car. The amount they
will pay for new parts and accessories
Endorsement 17 – Limited mileage
will not be more than the manufacturer’s
Your Insurer will not provide any cover last list price in the country your car was
under this policy (apart from under section manufactured. The insurer will use the
2 – Liability to other people) if you do more currency exchange rates that apply at
than the number of miles a year in your car the date of that damage. They will not
than is shown against this endorsement on pay for the cost of importing any part or
the schedule. accessory into the United Kingdom.
You must give us the recorded mileage of Endorsement 19 – Windscreen limit
your car at the following times; (grey import)
• When your policy starts. Change to section 3 – Glass damage.
• Each time you renew this policy.
• f you change the car covered under this
I If the windows are replaced, the most your
policy (you must then give us the recorded insurer will pay is £450 for any one claim
mileage of your old car and new car). (after taking off the excess).
• If you make a claim under this policy.
22 Customer Service – 0800 280 2222
Your Insurer will not cover any damage to
panoramic windscreens under this section
of your policy
Endorsement 20 – Windscreen limit
Change to section 3 – Glass damage.
If the windows are not replaced by our
repairer there is a limit of £150 per claim
(after taking off the excess).
Endorsement 21 – Provisional License
Holders
This policy only provides cover whilst you
are a provisional licence holder. Once you
have passed your driving test this policy
will no longer provide any form of cover
for either you or any driver named on your
policy. You must return to us the Certificate
of Motor Insurance for cancellation within
7 days from the date you passed your
driving test. Failure to do so will make you
personally liable for any Third Party Claims,
Damage or Costs, resulting from any
incident you may be involved in after you
have passed your driving test.
Customer Service – 0800 280 2222 Complaints – 0800 280 2204 23
Motor and Legal Expenses - Policy Wording
If you have a complaint...
If we, or your insurer, let you down, please will be contacted before this time ends,
tell us and we will do our best to resolve explaining when your complaint should
the issue as quickly and fairly as possible. be resolved. In all cases, a final written
response will be sent within a maximum
Step 1 Please call our complaints line
of 40 working days (8 weeks) from when
on 0800 280 2204. We will do our best
your complaint was received.
to resolve the matter without delay. If you
are not completely satisfied, please ask to Step 4 If, when you get the final written
speak to a Customer Relations Officer. response, you are still not satisfied, you
have the right to refer your complaint to
Step 2 If we fail to resolve the matter to
the Financial Ombudsman Service. You
your full satisfaction, refer to the table
must do this within 6 months of receiving
below for the correct contact details to
the final written response;
take your complaint further. Please explain
your concerns and quote your Customer Financial Ombudsman Service
Reference Number and/or Policy Number. South Quay Plaza, 183 Marsh Wall,
London E14 9SR
Note: the name of your insurer (& whether they are
a Lloyd’s syndicate) is shown on your insurance
Telephone: 0845 080 1800
documents. www.financial-ombudsman.org.uk
Step 3 Your complaint will be The Ombudsman will need a completed
acknowledged within a maximum of 5 form, which you can get from their website,
working days and dealt with as quickly or they can help you fill out the form by
as possible. We, your insurer and Lloyd’s taking your details over the phone. Referral
all aim to resolve complaints within 20 to the Ombudsman does not affect your
working days. If this is not possible, you right to take legal action.
If your complaint is about If your complaint is about the cover given If your complaint is about
the service you have by your policy or the service received the cover given by your
received from Kwik Fit from your insurer, and your insurer is policy or the service
Insurance, please write to; a Lloyd’s syndicate, please write to; received from your
insurer, and your insurer
The Managing Director The Customer Relations Officer of your
is not a Lloyd’s syndicate,
Kwik Fit Insurance insurer, as shown on your insurance
please write to;
PO Box 007 documents.
Glasgow G71 5PU If you are unsure of these details, please The Customer Relations
call us on 0800 280 2204. Officer of your insurance
Or you can e-mail us at
company, as shown
customerrelations@kfis.co.uk Or you may write to: on your insurance
Lloyd’s Complaints Department documents.
Lloyd’s, One Lime Street,
London EC3M 7HA If you are unsure of these
details, please call us on
Email: complaints@lloyds.com the above number.
Telephone: 0207 327 5693
24 Customer Service – 0800 280 2222
Legal
Expenses
Policy Wording
Your Policy Document
(Keep me somewhere safe)
Motor and Legal Expenses - Policy Wording
Motorplus Limited
Summary of Cover This insurance policy has been arranged by
Provided you have paid the Kwik Fit Legal Qdos Broker & Underwriting Services Limited,
Expenses Insurance premium, your cover will is administered by Motorplus Limited (trading
be valid for the duration indicated on your as MotorPlus and ULR) and is underwritten
Certificate of Motor Insurance. by UK Underwriting Limited on behalf of
Ageas Insurance Limited. Qdos Broker &
The MotorPlus Legal Expenses Policy is a Underwriting Services Limited, Motorplus
legal expenses insurance contract, which Limited, UK Underwriting Limited and Ageas
helps you to recover uninsured losses and Insurance Limited are authorised and regulated
costs from the person responsible for the by the Financial Services Authority. This can be
accident following a vehicle collision. checked on the FSA’s register by visiting the
FSA’s website at www.fsa.gov.uk/register or
by contacting them on 0845 606 1234.
Significant Significant Policy
Benefits exclusions or Section
limitations
Uninsured Loss Recovery and Legal costs and Definitions:
Personal Injury expenses are Limit of Cover
We; or external lawyers that we will limited to £100,000
appoint; will negotiate to recover and this includes
uninsured losses and damages, and opponents’ costs.
any legal costs and expenses, incurred
You must be in Definitions:
by you in bringing a claim against a
or on the insured Insured Event
negligent Third Party motorist for:
vehicle at the time
(a) Loss of or damage to the Insured of the collision.
Vehicle
Costs incurred Exclusions (18)
(b) Damage to any personal property
before we agree
owned by you or for which you are
to appoint a
legally responsible while in or on the
representative are
Insured Vehicle
excluded.
(c) Death or personal injury to you while
in, on, entering or leaving the Insured We are free Conditions
Vehicle. to choose a (4: Representation)
Passengers and drivers, with the representative.
permission of the policyholder, will also
get the benefit of the policy cover.
Territorial limits A full list of EU Definitions:
The policy cover applies to accidents that countries in which Territorial limits
happen in the Territorial Limits of the UK cover applies is
and most EU countries. shown in the policy
wording
26 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
Your Right to Complain Compensation Scheme
It is the intention to give you the best possible Your insurer is covered by the Financial
service but if you do have any questions or Services Compensation Scheme (FSCS),
concerns about this insurance or the handling which means that you may be entitled to
of a claim you should in the first instance compensation if they are unable to meet
contact the Chief Executive Officer their obligation to you. Further information
of Motorplus Limited at Kircam House, about this is available from FSCS at –
Whiffler Road, Norwich NR3 2AL. The FSCS, 7th Floor, LLoyds Chambers,
Telephone 01603 420000. Portsoken Street, London, E1 8BN.
In the event you remain dissatisfied and wish Tel: 0800 678 1100
to make a complaint you can do so in writing E-mail: enquiries@fscs.org.uk.
by contacting UK Underwriting Limited at:
Head of Claims
UK Underwriting Limited
2 Gibraltar House
Bowcliffe Road
Leeds LS10 1HB
If it is not possible to reach an agreement,
you have the right to make an appeal to
the Financial Ombudsman Service. This
also applies if you are insured in a business
capacity as a Micro-Enterprise, or a charity
with an annual income of less than £1million,
or are a trustee of a trust with a net asset value
of less than £1million. You may contact the
Financial Ombudsman Service (FOS) at:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Tel: 0845 080 1800
Fax: 0207 964 1001
e-mail: info@financial-ombudsman.org.uk
Please note You have six months from the date
of Our final response in which to refer Your
complaint to the FOS. Referral to the FOS will
not affect Your right to take legal action against
Us.
If you are not satisfied with the service
provided by Kwik Fit Insurance, you should
contact them directly to discuss it.
Customer Service – 0800 280 2222 27
www.kwik-fitinsurance.com
Contents
Page
Terms and Conditions 30
Definitions 30-32
Making a Claim 32
About Motorplus ULR Legal Expenses 32
If You have a Motor Accident 32-33
Conditions 33-35
Exclusions 35-37
Cancellation Rights 37
In the event of a complaints 37
Compensation Scheme 37-38
Data Protection Act 1998 38
Customer Service – 0800 280 2222 29
Motor and Legal Expenses - Policy Wording
MotorPlus Legal
Expenses Policy
Your Demands and Needs: approve appointed under the terms and
This legal expenses policy meets the conditions of this Policy to act for the
demands and needs of Kwik Fit Motor Insured Person.
Insurance customers who wish to ensure Claim
that the legal costs incurred in pursuing
A civil claim for damages for Uninsured
a claim for uninsured losses following
Losses arising out of an Insured Event.
a nonfault accident are insured. Kwik
Fit Insurance does not make personal Coverholders
recommendations as to the suitability of Motorplus Limited.
this policy to individual circumstances.
Enterprise
Kwik Fit Insurance pays the annual premium
for this policy as long as you have paid your Any person engaged in an economic activity,
Legal Expenses insurance premium. irrespective of legal form and including,
in particular, self-employed persons and
Kwik Fit Insurance will automatically renew family businesses engaged in craft or other
your policy unless you have told them not activities, and partnerships or associations
to. Kwik Fit Insurance will write to you regularly engaged in an economic activity.
before the policy renewal date to remind
you of this and to let you know what the Insured
new payments will be. The person, firm or company who is
entitled to participate in the Uninsured
Terms and Conditions Loss recovery service offered by the
The Underwriters upon payment of the Coverholders and has paid the Premium
premium agree to cover the Insured or whose Participating Agent has agreed
Person against Legal Costs and Expenses to pay the Premium on their behalf.
subject to the Policy Terms, Limit of Cover,
Insured Event
Exclusions and Conditions herein in
respect of an Insured Event, which occurs An accident arising from the negligence
within the Territorial Limits and occurs of a Third Party, which results in the
during the Period of Insurance. Insured Person incurring Legal Costs and
Expenses in bringing a Claim relating to:
Definitions • Loss of or damage to the Insured Vehicle;
In this insurance policy the meaning of the D
• amage to any personal property owned
following words will be: by the Insured Person or for which the
Appointed Agents Insured Person is legally responsible
while such property is in or on the
UK Underwriting Limited on behalf of
Insured Vehicle;
Ageas Insurance Limited and/or their
agent Motorplus Limited who may monitor D
• eath or personal injury to the Insured
and record calls. Person whilst in, on or mounting or
dismounting from the Insured Vehicle.
Appointed Representative Any such accident must occur within
The Solicitor or other appropriately qualified the Period of Insurance and within the
or experienced persons who MotorPlus Territorial Limits of this Policy.
30 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
Insured Person other proceedings or dispute resolution
You and any person authorised to drive process where costs cannot be recovered
the Insured Vehicle under Your Motor or paid on a standard or similar basis.
Insurance Policy or any authorised
Limit of Cover
passenger in or on the Insured Vehicle
who are claiming under this Policy A maximum of £100,000 for all Legal Costs
with Your consent or their or Your legal and Expenses of the Insured Person and
representatives in the event of death. including opponents costs where awarded
arising out of any one Insured Event.
Insured Vehicle
Micro-Enterprise
Any motor vehicle including any attached
trailer owned or leased by You and An enterprise which employs fewer than
specified in Your Motor Insurance Policy. 10 persons; and has a turnover or annual
balance sheet that does not exceed €2
Legal Costs and Expenses million.
In relation to an Insured Event means
Motor Insurance Policy
any legal fees, costs and disbursements
reasonably and properly incurred in The policy of insurance issued to You in
relation to a Claim and any consequent compliance with the Road Traffic Act valid
Legal Proceedings: at the time of the Insured Event.
• y the Appointed Representative,
b Participating Agent
including fees of Counsel instructed Kwik Fit Insurance, who are authorised
by them when acting on behalf of the to sell this Policy to You on behalf of the
Insured in bringing a Claim, and in any Underwriters and MotorPlus.
event is limited to the standard basis
Period of Insurance
b
• y any other party to the Claim which
The length of time Your Motor Insurance
the Insured Person is liable to pay as a
Policy lasts as shown on Your certificate
result of an order or award of the court or
of motor insurance, and any following
other tribunal or a negotiated settlement
period Your premium is accepted for.
provided that such settlement is made
with the agreement of the relevant Policy
Underwriters, and in any event is limited This MotorPlus Legal Expenses Policy.
to the standard basis.
Policyholder
Legal Proceedings Whoever is named as the policyholder in
All work necessary regarding a Claim the certificate of motor insurance.
with the approval of the Underwriters,
subject to the jurisdiction of courts within Premium
the Territorial Limits. Appeals from such The payment, which is required to be
hearings are also included when We are paid to the Participating Agent or Us,
notified by the Insured Person of their by You for the Insured Person to obtain
wish to appeal at least five working days benefit of this Policy. Such amount is to
before the deadline for giving notice of be made by You in a single payment and
appeal expires. We must also consider the is to be received by Us or the Participating
appeal to have reasonable prospects of Agent within 14 days of the date of
success. Advice and assistance, but not issue of the Policy, save that We or the
representation will be provided in matters Participating Agent may, at their absolute
dealt with in the Small Claims Track or any discretion, waive Your obligation to pay.
Customer Service – 0800 280 2222 31
Motor and Legal Expenses - Policy Wording
Territorial Limits About Motorplus ULR Legal
Great Britain, Northern Ireland, Isle of Expenses
Man, Channel Islands, Andorra, Austria,
We are here to help with any motoring
Belgium, Croatia, Cyprus, Czech Republic,
accident or emergency.
Denmark, Estonia, Finland, France,
Germany, Gibraltar, Greece, Hungary, You can call Us day or night, all year round.
Iceland, Republic of Ireland, Italy, Latvia, We want You to obtain maximum benefit
Lithuania, Luxembourg, Malta, Netherlands, from this Policy. Please take a few minutes
Norway, Poland, Portugal, Slovakia, to read through the details and familiarise
Slovenia, Spain, Sweden and Switzerland. yourself with the services We can offer. If
Third Party You have any queries, please contact Kwik
The other person(s) and/or party(s) Fit Insurance who will be happy to assist.
responsible for the accident, excluding
If You have a Motor Accident
the Insured Person (as defined in this
Policy). Unfortunately motor accidents happen.
However, when they do occur, many
Underwriters people have no idea what to do.
Ageas Insurance Limited.
You now have the protection of MotorPlus
Uninsured Loss Legal Expenses.
Any loss, including injury, compensation or If an accident occurs:
expense or costs that are directly caused
by the Insured Event which led to Your w
• rite down the details of each vehicle
Claim, unless specifically stated in the and driver;
Policy, and where Your Motor Insurance t
• ake the names and addresses of any
Policy does not cover such loss. witnesses
We, Us, Our a
• s soon as You can, call Us direct on
0800 280 2029.
Motorplus Limited , UK Underwriting
Limited and/or Ageas Insurance Limited. PLEASE REMEMBER, We are here to
help: if You are not sure what to do, call Us.
You, Your
The Policyholder. If Your vehicle is undriveable We can make
arrangements for it to be towed to a place
Making a Claim of Your choice.
To make a claim call our Claims Centre on
PLEASE NOTE: You will have to pay the
0800 280 2029.
towing fees. If the accident was not Your
The Claims Centre is available 24 hours a fault, We may be able to recover these
day, every day. costs from the responsible party or their
insurers. However, in most cases the
You can ask for assistance where You: insurers will only pay the cost of towing to
• need temporary transport a repairer nearby.
• are injured If the accident was caused by another
h
• ave suffered losses which Your insurer person, We may be able to supply a
does not refund (“uninsured” losses) replacement hire vehicle if Your own is
This Policy can help where You have had a undriveable.
motor accident which was not Your fault. If You have “uninsured losses” (losses
which Your own insurers will not refund
32 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
You, such as lost earnings, policy excess 4. Representation
or compensation for injuries) then once (a) We reserve the right to make Our own
Your claim is reported and accepted, We investigation into the case.
will try to recover these losses for You from (b) We also have the right to negotiate
the person who caused the accident or and settle the Claim, in the Insured
their insurers. Person’s name, before an Appointed
Claims are normally handled within Our Representative is instructed.
Claims Centre. We may appoint a solicitor (c) If it becomes necessary to appoint a
to deal with the matter. lawyer to assist You before the issue of
court proceedings We will choose the
To make a claim call the Claims Centre on Appointed Representative. If by the date
0800 280 2029 or write to: when it is necessary to issue court
MotorPlus proceedings We have not already
PO Box 141 chosen an Appointed Representative,
Norwich, NR3 2JJ You can nominate one by sending Us the
name and business address of a suitably
Please contact MotorPlus who will appoint qualified person. We may choose not to
a solicitor from their panel to deal with accept Your nominee unless there are
the claim on Your behalf and if necessary, exceptional circumstances. If there is a
arrange for a hire vehicle. disagreement over the choice of
We can also arrange for messages to be Appointed Representative another
forwarded to family or friends. suitably qualified person can be
appointed to decide the issue (see
Conditions Clause 13).
1. Compliance and Precautions d) There will only be a transfer of
You and the Insured Person must comply representation to another Appointed
with all of the terms and conditions of this Representative if there is a good reason
Policy and take all reasonable precautions to do so.
to minimise the cost of Claims or Legal 5. Control of the Claim
Proceedings and attempt to prevent any (a) The Insured Person must co-operate
event, which may cause a Claim. fully with Us and the Appointed
2. Reporting the Claim Representative and in particular We
The Insured Person must immediately and the Appointed Representative
report to Kwik Fit Insurance any accident, must be kept continually and promptly
which may give rise to a Claim under this informed of all developments relating
Policy and must complete and return any to the Claim of which the Insured
forms requested to Kwik Fit Insurance. Person is aware and must be provided
The Insured Person must supply, without immediately with all information,
delay, all information the Appointed evidence and documents relating to the
Representative or We require or reasonably Claim in their possession.
request. The Insured Person must not do (b) We shall have direct access to the
anything, which may prejudice their case. Appointed Representative at all times
in relation to any Claim.
3. Acceptance of a Claim (c) The Insured Person must instruct the
Where We accept a Claim, We will notify Appointed Representative to produce
the Insured Person or Kwik Fit Insurance in to Us immediately any documents,
writing as soon as practicable. information or advice in his possession.
Customer Service – 0800 280 2222 33
Motor and Legal Expenses - Policy Wording
The Insured Person must also give the or fees We may have paid or be liable
Appointed Representative such prompt, to pay under this Policy and pay any
proper and reasonable instructions in such amounts recovered to Us. In any
relation to the Claim and the conduct of event, upon payment of all sums due
any litigation, as We require. for Legal Costs and Expenses under
(d) The Insured Person should advise Us this Policy We can take over and if
directly or through their Appointed necessary conduct proceedings in the
Representative immediately of all name of the Insured Person to recover
offers to settle or Payments into Court such Legal Costs and Expenses
in respect of the Claim. No offer of which the Insured Person is entitled to
settlement or negotiation can be made receive from the Third Party.
without Our agreement.
(e) If the Insured Person does not accept 6. Withdrawal
the offer or Payment into Court and If the Insured Person withdraws from
We consider that the outcome of the a Claim or discontinues instructions to
case will not be bettered We reserve an.Appointed Representative expressly or
the right to withdraw cover and will not by omission without Our agreement all Legal
be responsible for any further Legal Costs and Expenses and Defendants Legal
Costs and Expenses after the offer or Costs will become the responsibility of the
payment into court was made. Insured Person. We will also be entitled to
(f) We may discharge Our liabilities to be reimbursed by the Insured Person for all
the Insured Person under this Policy Legal Costs and Expenses paid or incurred
by paying an amount equal to that during the course of the Claim
claimed. 7. Communication
(g) The Insured Person shall take all
All notices and communications from
reasonable steps to keep the costs of
MotorPlus and The Underwriters or
the Claim or any Legal Proceedings as
their Authorised Representative will be
low as possible.
considered to have been sent if sent to the
(h) The Insured Person must send to Us
last known address of the Insured Person.
directly or authorise the Appointed
Representative to send to Us all bills 8. Dual Insurance
for Legal Costs and Expenses, orders If at the time of any Insured Event there
or awards for costs immediately is any other insurance, which provides
on receiving them and We have cover for the loss, or any part of it We will
the right to have these submitted only be responsible for the amount not
for assessment by the courts or recoverable under that insurance.
certification by the Law Society.
(i) The Insured Person must authorise 9. Prospects of Success
any Appointed Representative to Cover will only be provided if We
receive any sums by way of legal costs and, where applicable, the Appointed
recovered from the Third Party and to Representative, are of the opinion that
pay the same to Us to the extent of the there are reasonable prospects of recovery
sums indemnified under this Policy. from the Third Party. In cases where the
Any sums received directly by the Insured Event occurs outside of the United
Insured Person should similarly be paid Kingdom We reserve the right to conduct
over to Us to the extent of the sums enquiries or take legal advice on the
indemnified under this Policy. prospects of success in the appropriate
(j) The Insured Person must take all action jurisdiction before deciding whether to
possible to recover any costs, charges provide cover.
34 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
We can give written notice to the Insured otherwise and whether as Claimant or
Person and the Appointed Representative Defendant.
to discontinue cover if during the course
If We cannot agree on an arbitrator
of a Claim We consider reasonable
then the President of the Law Society
prospects of success no longer exist.
or the Chairman of the Bar Council or
10. Compliance and Avoidance similar legal professional body within the
of Policy Territorial Limits will choose one. The
MotorPlus and/or the Underwriters have appointment and subsequent arbitration
the right to cancel this Policy and declare shall be binding on both parties.
the same null and void in the event of any
Whoever loses the arbitration must pay
breach of Policy terms and conditions:
all the costs involved. If the decision is
(a) You do not hold a valid Motor Insurance not clearly made against the Insured
Policy or, if relevant, valid Green Card, Person or Us, the arbitrator will decide
at the time of the Insured Event for the how the Insured Person and We will
vehicle involved. share the costs.
(b) Your motor insurers are entitled to
avoid the Motor Insurance Policy or 13. Governing Law and Language
refuse cover. This insurance is written in English and
(c) Any statements or answers made by all communications about it will be in
You to Us or the Participating Agent English. The parties are free to choose the
prior to commencement of this Policy law applicable to this insurance contract.
are found to be false or untrue. Unless specifically agreed to the contrary
(d) You fail to disclose to Us or the this insurance shall be subject to the Laws
Participating Agent any material fact of England and Wales.
relevant to the risks insured under this
14. Whole Agreement
Policy.
This Policy contains the entire agreement
Y
(e) ou make any Claim under this Policy,
between the Policyholder and any
which is fraudulent or false in any
Insured Person claiming under it and
material respect.
(f) You fail to pay the required Policy the Underwriters and MotorPlus on their
premium, if not having been waived, to behalf and no other representation or
the Participating Agent or Us within 14 warranty by the Insured Person or Us or
days of issuing of the Policy. their Authorised Representatives or any
third party shall have any contractual effect
11. Alteration unless agreed by all parties in writing.
You must notify us immediately of any
change, which may or does affect this policy. Exclusions
The Underwriters will not indemnify the
12. Arbitration
Insured Person in respect of:
In the event of any dispute or difference
1. Any Insured Event that took place
whatsoever arising out of this Policy or
outside of the Period of Insurance.
any Claim made there under the matter
shall be referred to an arbitrator who shall A
2. ny Claim reported to MotorPlus more
be either a solicitor or a barrister agreed than 180 days after the Insured Event.
upon by the Insured Person and Us. If the A
3. ny Legal Costs and Expenses for
Insured Person is not the Policyholder, by any period subsequent to a refusal by
claiming under the Policy they agree to be the Appointed Representative to act
a party to any Arbitration under this Clause further for the Insured Person for a
whether jointly with the Policyholder or reason, which MotorPlus consider, is
Customer Service – 0800 280 2222 35
Motor and Legal Expenses - Policy Wording
justified unless MotorPlus agree to the Participating Agent within 14 days
another Appointed Representative of the date of issuing of the Policy,
being instructed. save where this requirement has
4. In any case where the Insured Person been waived.
has misled MotorPlus or the Appointed A
16. ny Claim where the Third Party
Person as to the circumstances of the cannot be traced or identified. FSA
accident. Contact Details: You can check the
5. In any case where the Insured Person above details on the Financial Services
fails at the time of making the Claim or Authority Register by visiting the FSA
at any stage to disclose to MotorPlus website www.fsa.gov.uk/register or by
and/or the Appointed Representative contacting the FSA on
material facts relevant to the Claim. 0845 606 1234.
C
6. ompensation, costs, damages, fines A
17. ny Claims arising from:
or penalties of any kind awarded by a (a) Ionising, radiation or contamination
court of criminal jurisdiction. by radioactivity from any nuclear fuel
C
7. laims for damage to any property or or from any nuclear waste from the
any related loss, expense or costs that combustion of nuclear fuel.
are indirectly caused by the Insured (b) The radioactive, toxic, explosive or
Event which led to Your Claim, unless other hazardous properties of any
specifically stated in this Policy. nuclear assembly or component of it.
A
8. ny Claim arising out of a deliberate R
(c) iot, civil commotion, war, invasion,
and/or criminal act or omission or which acts of foreign enemies, hostilities
is found to MotorPlus’s satisfaction to (whether war be declared or not), civil
be of a fraudulent nature. war, rebellion, revolution, insurrection,
9. Any claim arising from the theft or military or usurped power or
attempted theft of the Insured Vehicle. confiscation, nationalisation, requisition,
10. In any case where the Insured Person destruction or damage to property by
does not possess a valid Motor or under the order of any government
Insurance Policy, valid road fund or public or local authority.
licence or MOT for the Insured Vehicle (d) Pressure waves caused by aircraft or
or a valid driving licence. any other airborne devices travelling at
11. In any case where the Insured Vehicle sonic or supersonic speeds.
is not in a roadworthy condition at the A
(e) ny Claims directly or indirectly caused
time of the Insured Event by or resulting from any device failing
A
12. ny Claim where the Insured Person’s to recognise, interpret or process any
motor insurers are entitled to repudiate date as its true calendar date.
the Motor Insurance Policy or refuse to L
18. egal Costs and Expenses incurred
cover a claim. prior to notification of the Insured
A
13. ll Claims in the Territorial Limits Event to MotorPlus.
where a valid Green Card is required 19. Legal Proceedings dealt with by a
and has not been issued. court or other body, which MotorPlus
14. Any Insured Event arising out of the have not agreed to or are outside the
use of an Insured Vehicle by the Territorial Limits.
Insured Person in connection with 20. The cost of representation in the Small
racing, rallies, trials or competitions of Claims Track or any other proceedings
any kind. or dispute resolution process where
A
15. ny Claim where no premium has costs cannot be recovered or paid on
been paid by You or received by Us or a standard or similar basis.
36 Customer Service – 0800 280 2222
www.kwik-fitinsurance.com
21. Any undertaking the Insured Person Head of Claims
gives to the Appointed Representative, UK Underwriting Limited
or which the Insured Person or the 2 Gibraltar House
Appointed Representative gives to Bowcliffe Road
any person about payment of fees Leeds, LS10 1HB
or expenses, unless MotorPlus have
Please ensure your claim number is
given prior written authority.
quoted in all correspondence to assist in
Cancellation Rights receiving a quick and efficient response.
If it is not possible to reach an agreement,
You have the right to cancel the Policy you have the right to make an appeal
within fourteen days of the date upon to the Financial Ombudsman Service.
which You receive your Policy document. This also applies if you are insured in a
Subject to no claim being made upon the business capacity as a Micro-Enterprise,
Policy a full refund will be given of any or a charity with an annual income of
premium paid. Cover will cease from the less than £1million, or are a trustee of a
day You deliver, post or telephone Your trust with a net asset value of less than
notice of cancellation. After this 14-day £1million. You may contact the Financial
period You can cancel the Policy at any Ombudsman Service (FOS) at:
time by contacting Kwik Fit Insurance, 1 Financial Ombudsman Service
Masterton Way, Tannochside Business South Quay Plaza
Park, Glasgow, G71 5PU. However no 183 Marsh Wall
refund will be given. London E14 9SR
You may also cancel this policy by calling Tel: 0845 080 1800
0800 280 2222.
Fax: 0207 964 1001
In the event of a complaint E: info@financial-ombudsman.org.uk
It is the intention to give you the best
possible service but if you do have Please note You have six months from the
any questions or concerns about this date of Our final response in which to refer
insurance or the handling of a claim you Your complaint to the FOS. Referral to the
should in the first instance contact the FOS will not affect Your right to take legal
Chief Executive Officer of Motorplus action against Us.
Limited at the following: Compensation Scheme
Motorplus Limited Your insurer is covered by the Financial
Kircam House Services Compensation Scheme (FSCS),
Whiffler Road which means that you may be entitled to
Norwich, NR3 2AL compensation if they are unable to meet
their obligation to you. Further information
Tel: 01603 420000
about this is available from FSCS at –
Fax: 01603 420010 The FSCS, 7th Floor, LLoyds Chambers,
In the event you remain dissatisfied and Portsoken Street, London, E1 8BN.
wish to make a complaint you can do so, Tel: 0800 678 1100
in writing, by contacting the following: E-mail: enquiries@fscs.org.uk.
Customer Service – 0800 280 2222 37
Motor and Legal Expenses - Policy Wording
Data Protection Act 1998
Motorplus Limited does not pass any
personal data about you to any third
parties. When you apply for insurance
and/or make a claim, you will be required
to disclose relevant personal data about
yourself to Motorplus Limited or their
agents, including data which is deemed
“sensitive” under the Data Protection
Act 1998. Your explicit consent to
the processing of this data, which is
required under the Data Protection Act
1998, will be requested at the time of
purchase or when you make a claim.
Please note that any information that
you provide to Motorplus Limited may
be shared with other insurers, for the
purpose of preventing fraudulent claims.
All information provided by yourself will
be used by Motorplus Limited its agents
and associated companies, other insurers,
regulators, industry and public bodies
(including the police) and agencies to
process this insurance and any upgrade
to this insurance, handle claims relating to
this insurance and prevent fraud.
Motorplus Limited is authorised and
regulated by the Financial Services
Authority.
Regulated by the Ministry Of Justice in
respect of regulated claims management
activities.
38 Customer Service – 0800 280 2222
Your Car Insurance
Policy Document
(Keep me somewhere safe)
Kwik Fit Insurance is an insurance intermediary authorised and Kwik Fit Insurance
regulated by the Financial Services Authority. For your protection 1 Masterton Way
calls may be recorded or monitored. Tannochside Business Park
Registered in Scotland: 147319. Uddingston
Registered Office: 1 Masterton Way, Glasgow
Tannochside Business Park, Glasgow, G71 5PU G71 5PU
Motor Insurance Policy-KFIS-M-0911-V1.9