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U Drive Solutions Gibraltar Ltd (PDF download)

VIEWS: 3 PAGES: 29

									    UDrive NHS
Gold Policy Wording
Preamble
In consideration of you having purchased UDrive insurance, we agree to provide insurance cover for you as
hereinafter provided in accordance with and subject to the terms, exclusions and conditions set out herein. This NHS
Gold cover indemnifies you for the following range of products;

        1)      UDrive MOT Insurance
        2)      UDrive Tyre Accidental Damage Insurance
        3)      UDrive Service Plan Insurance
        4)      UDrive Roadside Assistance
        5)      UDrive Mechanical Breakdown Insurance
        6)      UDrive Misfuelling Insurance
        7)      UDrive Key Fob Insurance
        8)      UDrive Financial Shortfall GAP Insurance
        9)      UDrive Driver Rehabilitation Expense Insurance
        10)     UDrive Uninsured Loss recovery Insurance
        11)     UDrive Legal Assistance

Important note: Sections 1-9 and sections 10 & 11 are products provided by different insurers and so the claim
number will be different.

Demands and needs
It is important that you read the terms and conditions carefully and satisfy yourself that the cover provided suits
your requirements. Details of the coverage for each product can be found herein under product listing. Please note
that we act as product provider only and no personal recommendation is made by us or the administrator in relation
to suitability of this Policy based upon your personal circumstance.

The Insurers
Each Insurer is only liable for their stated cover and risk and are not in any respect severally liable in respect of the
other.

Your UDrive MOT Insurance, Tyre Accidental Damage Insurance, Service Plan Insurance, Roadside Assistance,
Mechanical Breakdown Insurance, Misfuelling Insurance, Key Fob Insurance, Financial Shortfall GAP Insurance and
Driver Rehabilitation Expense Insurance is underwritten by AmTrust International Underwriters Limited, a company
registered in Ireland under Registration No. 169384 and whose Registered Office is at 40 Westland Row, Dublin 2,
Ireland. AmTrust International Underwriters Limited is authorised and regulated by the Irish Financial Services
Regulatory Authority and is licensed to operate in the United Kingdom by the Financial Services Authority, under
Registration No 203014.

Your UDrive Uninsured Loss Recovery insurance is underwritten by Brit Insurance Limited, a company registered in
the United Kingdom under Registration No. 02763688. Brit Insurance Limited is authorised and regulated by the
Financial Services Authority under Registration No 202898.

Administrator, they, their, them
Your UDrive MOT Insurance, Tyre Accidental Damage Insurance, Service Plan Insurance, Roadside Assistance,
Mechanical Breakdown Insurance, Misfuelling Insurance, Key Fob Insurance, Financial Shortfall GAP Insurance and

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Driver Rehabilitation Expense Insurance is administered by AutoProtect (MBI) Limited, Cambridge House, Cambridge
Road, Harlow, Essex, CM20 2EQ.

Your UDrive Uninsured Loss Recovery insurance is arranged and administered on behalf of UDrive by ARAG plc,
whose registered office is at 9 Whiteladies Road, Clifton, Bristol, BS8 1NN, part of the ARAG Group.

Law applicable to this policy
We propose to choose English law as the law which applies to this policy unless you ask for another law and we
agree to this in writing before the commencement date.

Data protection provisions
For the purposes of the Data Protection Act 1998, the Data Controller in relation to the information which you
supply is the administrator whose registered address is shown above. The information you have provided will
become part of the personal data held by them and will be used for the provision and administration of insurance
products and services. It may be disclosed to other third party organisations for underwriting and claims handling
purposes. In addition they may seek information from other insurance companies and other third party
organisations to check the answers you have provided. Where fraud is suspected, they may disclose data to other
parties if they request information in writing from them. You are entitled to a copy of all information they hold about
you. Requests must be made in writing to them at the address given above. A fee may be charged for this service.

Definitions
Any word or expression to which a specific meaning has been attached;

Aftermarket component          Non “original equipment manufacturer” (OEM) parts, manufactured to European
                               safety standards

Component                      Any mechanical or electrical part, which forms part of the vehicle's original
                               manufacturer’s standard specification.

Appointed Agent                A contractor or garage appointed by the administrator to attend your vehicle

Betterment                     If we pay to have component(s) of your vehicle replaced resulting in it/ them being in
                               a better condition than they were before the failure, this is called betterment. In such
                               circumstances you may be required to pay a contribution towards the costs.

Claims Office                  For MOT Insurance, Tyre Accidental Damage Insurance, Service Plan Insurance,
                               Roadside Assistance, Mechanical Breakdown Insurance, Misfuelling Insurance, Key
                               Fob Insurance, Financial Shortfall GAP Insurance and Driver Rehabilitation Expense
                               Insurance; AutoProtect (MBI) Limited, Cambridge House, Cambridge Road, Harlow,
                               Essex, CM20 2EQ. The claims telephone no. is : +44 (0) 871 384 1167

                               For Uninsured Loss Recovery Insurance; ARAG plc, whose registered office is at 9
                               Whiteladies Road, Clifton, Bristol, BS8 1NN, part of the ARAG Group.

Commencement Date              The date on which your insurance starts, subject to any applicable waiting period.
                               When you renew this insurance, the commencement date shall mean the day
                               following the date on which your existing cover expires.

Period of Insurance            The period of time that this insurance operates from the commencement date.


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Geographical Limits        The area in which this policy is effective being Great Britain, Northern Ireland, the Isle
                           of Man and the Channel Islands.

Glass’s Guide              A comprehensive reference manual used by the motor trade to determine, amongst
                           other things, benchmark pricing for cars and standard labour repair times.

Repair Cost                The reasonable cost of repair materials, limited to manufacturer's retail prices, and
                           the reasonable labour cost of repairing the component which has suffered failure,
                           limited by Glasses Guide standard (I.C.M.E.) published times.

Repairer                   The administrator authorised repairer.

Replacement Cost           The cost of a replacement manufacturer or similar after-market component for the
                           component that had suffered failure, including the labour cost of fitting the new
                           component, in line with part manufacturer list prices.

Servicing handbook         The handbook which was issued with the vehicle when new by the manufacturer and
                           which details the servicing and maintenance requirements for the vehicle.

Breakdown                  Unforeseen mechanical or electrical failure during the period of insurance within the
                           geographical limits which has either immobilised your vehicle or made it unsafe to
                           drive.

Vehicle                    The vehicle as stated in your UDrive schedule.

Claim Limit(s)             Is the maximum amount that can be claimed under this insurance during any annual
                           period of the period of insurance. If you are registered for VAT we will not pay the
                           VAT element of any claim under this insurance.

Waiting Period             30 days is the number of days after the commencement date of the original policy
                           during which a claim cannot be made. This period does not apply to subsequent
                           periods of insurance where they relate to renewals of this policy.

Application                Any written or verbal declaration together with any additional information you may
                           have supplied to us in support of your application for this insurance.

We, us, our                For MOT Insurance, Tyre Accidental Damage Insurance, Service Plan Insurance,
                           Roadside Assistance, Mechanical Breakdown Insurance, Misfuelling Insurance, Key
                           Fob Insurance, Financial Shortfall GAP Insurance and Driver Rehabilitation Expense
                           Insurance; Amtrust International Underwriters Ltd, Registered in Ireland 169384,
                           Registered Office: 40 Westland Row, Dublin 2, Ireland.

                           For Uninsured Loss Recovery Insurance; Brit Insurance Limited, a company registered
                           in the United Kingdom under Registration No. 02763688. Brit Insurance Limited is
                           authorised and regulated by the Financial Services Authority under Registration No
                           202898.

Worn Out / Wear and Tear   A component which has failed due to gradual reduction in operating performance,
                           consistent with the age of the vehicle and its total recorded mileage

You, your, yourself        An individual whose vehicle is registered as being covered by UDrive membership

On completion              Wherever possible, we will pay the repairer directly up to the amount authorised.
                           You must make arrangements to cover any costs not covered by your insurance. If
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                             you are VAT registered, we will not pay the VAT element of your claim. You or the
                             repairer must send us an original, fully detailed and itemised invoice. Please make
                             sure that you clearly mark on the invoice, to whom we should make payment.
                             Photocopies of invoices will not be accepted. We will only pay the amount authorised
                             for the claim.

Schedule                     Means the part of the Insurance which contains your details, your vehicle details,
                             period of insurance, the commencement date and insurance limits.

Salvage                      We accept no liability for the disposal of your vehicle or any parts of it in any event.

Duty of disclosure           The policy has been issued based upon information which you have given to us about
                             yourself and your vehicle. You have a duty to tell us immediately of any changes to
                             this information, in particular any of the following: change of address, or use of the
                             vehicle e.g. being used for private hire. Failure to do so may invalidate your cover
                             under this policy.

Indemnity and costs          Your insurance is a contract of indemnity which means that it is designed to restore
                             you after the occurrence of an event that is insured to the position that you would
                             have been in had that event not occurred. Not all the cost of the repair will always be
                             covered by your insurance. Additional repair costs and those not covered by this
                             insurance must be paid for by you.

Assessing your claim         We may require an independent opinion of your claim. We reserve the right to use
                             an Independent Consulting Engineer to inspect your vehicle, before we authorise a
                             claim. Whilst we will make every effort to ensure this happens with the least delay
                             and inconvenience to you, we shall not be liable for any losses you incur through any
                             delay.

Use of Engineers             Upon notification of any claim we reserve the right to instruct an independent
                             engineer to:
                                  •       inspect your vehicle, before authorising any claim; or
                                  •       inspect your vehicle and any insured components that have failed or
                                          have been removed, together with any original documentation, after any
                                          repair or replacement has been carried out or authorised.
                             When this right is exercised we shall have no liability for any loss incurred by you
                             arising from any delay. Any decision on liability will be made when the engineer's
                             report is received.

Investigation                You must authorise any dismantling of Component(s) for inspection and you will be
                             responsible for the cost incurred if the claim is not covered by the insurance. We will
                             only pay for dismantling costs as part of a valid claim.

Labour and parts costs       Labour times that can be claimed under this insurance will be in accordance with the
                             time given in Glass's ICME Manual, (this is a motor industry standard reference
                             manual for the setting of labour rates and job times) in line with the rates charged by
                             our nominated repairers unless agreed beforehand.

Excluded Vehicles
The following vehicles are excluded from cover provided under this Insurance.
Vehicles: -
•       with an inception age which has exceeded 5 years old on or before the date you made your application for
        Gold level of cover.
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•       with an inception mileage which has exceeded 100,000 miles on or before the date you made your
        application. This mileage limitation applies to all levels of cover.
•       modified from the manufacturer's specification
•       which include any experimental equipment, whether or not supplied by the manufacturer
•       designed to carry more than eight people including the driver
•       over 3500kg gross weight
•       personally imported or sourced from outside the United Kingdom
•       excluded from cover; Aston Martin, Bentley, Audi RS models, BMW M Class, Cosworths, De Tomaso, Ferrari,
        Jensen, Lamborghini, Lotus, Maserati, Mercedes AMG, Mitsubishi Evo, Morgan, Porsche, Rolls Royce, Subaru
        Impreza, TVR, high performance, Hybrid, LPG or Dual Fuel vehicles, American vehicles, kits cars or replica
        cars, any vehicle not listed in Glass’s Guide or produced in annual volumes of less than 1,000.
•       Any vehicle used for competition or trial (other than treasure hunts), rally, racing, pace making or off road
        use.
•       This policy is designed for vehicles used for social and domestic use and occasional business use. Therefore
        we do not cover any vehicle used for, taxi, buses, heavy goods vehicle, hire and reward, motorcycle, driving
        school, emergency services or recovery, Light Commercial Vehicles, mini cabs, delivery, dispatch or similar.

General conditions
You must comply with the following conditions to benefit from the full protection of your policy. If you do not
comply with them we may, at our option: -
•        cancel the policy.
•        refuse to deal with your claim.
•        reduce the amount of the claims payment.
You must not continue to drive the vehicle after any damage or incident if this could cause further damage to your
vehicle. Your vehicle must be serviced at a garage in accordance with the manufacturer's recommendations detailed
in the vehicle's servicing handbook, or within a tolerance of 28 days or 1000 miles, whichever occurs first, of the
stipulated service interval. It is your responsibility to establish your vehicle manufacturer's servicing schedules and to
comply with them by both time and mileage whichever is the sooner.
You must not act in a fraudulent manner. If you, or anyone acting for you,
•        make a claim under the policy knowing the claim to be false, or fraudulently exaggerated, in any respect
•        make a statement in support of a claim, knowing the statement to be false in any respect
•        submit a document in support of a claim, knowing the document to be forged or false in any respect
•        make a claim in respect of any loss or damage caused by your wilful act, or with your connivance
then we:
•        will not pay the claim
•        will not pay any other claim which has been made or will be made under the policy
•        will declare the policy void
•        will be entitled to recover from you the amount of any claim already paid under the policy
•        will not make any return of premium
•        may inform the police of the circumstances.
Important note: This Insurance is specific to the vehicle shown on your policy details and is NOT transferable to any
third party or other vehicle.

Making a Claim
If you think that you have a claim that may be covered by Your MOT Insurance, Tyre Accidental Damage Insurance,
Service Plan Insurance, Roadside Assistance, Mechanical Breakdown Insurance, Misfuelling Insurance, Key Fob
Insurance, Financial Shortfall GAP Insurance or Driver Rehabilitation Expense Insurance, you must contact the
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administrator in the first instance. Their claims telephone number is: +44 (0) 871 384 1167. When we authorise a
claim we will do so by issuing a unique claim authorisation number. Repairs must not be started until we have given
this number to you or your garage. We will require the following information, so please have this to hand when
telephoning;
      Your policy number and vehicle registration number.
      Current mileage on your vehicle.
      Details of the vehicle service history.
      Credit or Hire Agreement details which have been used to purchase the vehicle for GAP claims.
      Information on the nature of the claim.
Failure to comply with this claim procedure may result in our option to:-
     • Cancel the cover.
     • Refuse to deal with your claim.
     • Reduce the amount of the claims payment.
If a nominated repairer cannot be located we will agree with you a suitable local alternative. Take your vehicle to the
repairer and give them your permission to investigate the fault and find the cause of the failure. The repairer should
then telephone us to discuss their findings. They must not carry out repairs or replacement until we have given
permission to do so by issuing an authority number.

Important note: We will not be held responsible for any costs incurred due to a delay in acquiring/submitting
details and that authorisation of repairs will remain valid for 30 days. If no further communication is made during
this period the authority will be rescinded and the claims rendered void.

If you think you have a claim on Your UDrive Uninsured Loss Recovery insurance, contact ARAG which operates a 24
hour, 365 day per year motor claims reporting helpline. Please immediately telephone 0844 477 1628 in the event of
you being involved in a motor accident. (calls are charged at a national rate)

Cancellation
   1) Within the 30 day cooling-off period and no claim has been made:
        a) You may cancel this insurance without penalty by sending written notice to the Administrator within 30
             days of receiving the documents and;
        b) You will receive a full refund of the premium paid.
   2) Cancellations during the period of insurance and no claim has been made:
        a) We or you may end cover under this insurance at any time by giving thirty day’s notice in writing.
        b) If you or we cancel, provided that no claim has been made on the insurance during the year in which it is
             cancelled, we will refund any premium applicable according to the following:
           i.   Cancellation within the cooling off period 100% refund.
          ii.   Cancellation after (i) pro rata refund of premium.
   3) If either you or we cancel this insurance, you will be responsible to pay all costs incurred after cancellation.

Caring for customers - complaints procedure
Our aim is to provide the highest level of service to you at all times in dealing with all aspects of your insurance. We
do, however, realise that things can go wrong occasionally. If you feel we have not achieved our aim, please inform
us. Your feedback enables us to monitor and improve the service we provide.

In the first instance, for any complaint relating to Your MOT Insurance, Tyre Accidental Damage Insurance, Service
Plan Insurance, Roadside Assistance, Mechanical Breakdown Insurance, Misfuelling Insurance, Key Fob Insurance,

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Financial Shortfall GAP Insurance or Driver Rehabilitation Expense Insurance please contact AutoProtect (MBI)
Limited either by telephone on +44 (0) 871 384 1167 or by e-mail to: enquires@autoprotect.net

If you prefer you can write to them at their administration address: AutoProtect (MBI) Limited, Cambridge House,
Cambridge Road, Harlow, Essex, CM20 2EQ. Please ensure that you quote your UDrive membership number in all
correspondence and enclose any evidence or documentation that you wish them to consider in reviewing your
complaint. They will do their best to resolve your complaint quickly and with the least inconvenience to you, and
within the following timescales:
     • They will acknowledge your complaint within 2 working days of receipt.
     • They will aim to resolve your complaint within 5 working days.
     • If further investigation is required, they will aim to resolve your complaint within four weeks of receipt.
     • If they are unable to resolve your complaint within these timescales they will write to you to let you know
        why they have not been able to do so.
We expect complaints to be satisfactorily resolved at this level; if, however, you remain unsatisfied, you can take the
matter further by writing to The Claims Manager, AmTrust International Underwriters Limited, 40 Westland Row,
Dublin 2, Ireland , who will arrange an investigation into the matter and respond to you directly.

In the first instance, for any complaint relating to Uninsured Loss Recovery insurance please contact The Managing
Director, ARAG plc, 9 Whiteladies Road, Clifton, Bristol BS8 1NN, who will arrange to have your case reviewed at the
appropriate level. If the complaint is not resolved to your satisfaction, then the matter may be referred to: Customer
Relations Officer, Brit Insurance Limited, 55 Bishopsgate, London EC2N 3AS Telephone: 0207 984 8800

If you feel that you have still not received a satisfactory response, or your complaint has not been resolved within
eight weeks of the administrator receiving it, you may refer your case to the Financial Ombudsman Service (the FOS),
set up by the Financial Services Authority to review unresolved Complaints. The FOS can be reached at The Financial
Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR Telephone 0207 964 1000
e-mail: enquiries@financial-ombudsman.org.ok

Financial Services Compensation Scheme (FSCS)
You may be entitled to compensation from either the Financial Services Compensation Scheme (FSCS) in the UK or
from the Insurance Compensation Fund in Ireland if we cannot meet our liabilities under this policy. The level of
compensation provided will depend on the circumstances of the claim. Further information is available from the
FSCS on 0207 892 7300 or from the Irish Financial Regulator on +353 1 410 4000.

Renewal of this policy
The administrator will give notice of renewal in writing at least 21 days prior to the renewal date and, unless you
request otherwise in writing will automatically renew policies paid for by direct debit or standing order.




Page 8 of 29
                                             1) UDrive MOT Test Insurance

This product is included as part of your NHS Gold Policy and covers you for the reasonable repair cost or
replacement cost of insured components that have failed a MOT test, as shown on the VT30, during the period of
insurance and cover the cost of your MOT at a Kwik Fit MOT centre. If required by the Department of Transport, your
vehicle must have a valid MOT certificate prior to, and at all times during, the period of insurance. Vehicles under
three years old are exempt. The MOT Test date must not be any earlier than 30 days after the commencement date
of this cover. You may take your vehicle to the Department of Transport approved MOT Test station of your choice.

Single Claim Limit
Cover hereon is in respect of a single claim, the “single claim limit” is up to £750 following payment of an individual
claim excess of £10 as shown in your schedule.

Insured Components:
Any parts/components not mentioned in the table below are specifically excluded for MOT cover;

Lighting Equipment
Cover                           Extras                                           Specific Exclusions
Front and rear lamps            including controls                               Glass (including plastics) and mirrors.
Headlamps                       including controls                               Glass (including plastics) and mirrors.
Headlamp aim                                                                     None
Stop lamps                      including controls                               Glass (including plastics) and mirrors.
Rear reflectors                 Glass (including plastics) and mirrors.
Direction indicators and hazard including controls                               Glass (including plastics) and mirrors.
lamps
Steering and suspension
Cover                           Extras                                           Specific Exclusions
Steering control                                                                 Oil leaks and valve failure
Steering mechanism/system                                                        Wheel alignment, oil leaks and valve
                                                                                 failure
Power steering                                                                   Oil leaks and valve failure
Transmission shafts                                                              Oil leaks and valve failure
Wheel bearings                                                                   NONE
Front suspension                                                                 Wheel alignment
Rear suspension                                                                  Wheel alignment
Shock absorbers                                                                  The second shock absorber where
                                                                                 replaced as a pair, when only one has
                                                                                 failed and been cited on the VT30
Brakes
Cover                                   Extras                                Specific Exclusions
ABS warning system                      controls including if the ABS warning None
                                        light fails to operate in correct
                                        sequence
Service brake performance                                                     Frictional material
Parking brake performance                                                     Frictional material
Seatbelts

Page 9 of 29
Cover                                  Extras                                  Specific Exclusions
Mountings                              Including back rest security            None
Condition                              None
Operation                              None
General
Cover                                  Extras                             Specific Exclusions
Drivers view of the road               Only windscreen wiper arm and
                                       motor are covered, all other parts
                                       are excluded, including but not
                                       limited to windscreen, door and
                                       mirror glass.
Horn
Fuel parts                             Fuel leakage from tanks or pipes.

What is not covered
   More than one claim per year in any one period of insurance.
   The £10 excess as shown on your schedule (applied in respect of the full claim, as noted on the VT30, rather
        than per item).
   Any claim made more than 30 days before or after the MOT Test due date notified on the policy schedule.
   The cost of any re-test and labour or parts necessitated by failing a re-test.
   Circumstances where the fault causing need for repair was evident prior to the expiry of the manufacturer's
        warranty period, where the insured component is subject to a manufacturer's recall campaign, inherent
        manufacturer design fault or if the problem was in existence prior to the sale of the MOT Test insurance
        policy.
   Work necessitated in order to pass an MOT Test due to failure caused by flood, fire, frost, impact or
        accident, including road traffic accident
   Any repairs, loss, damage or liability which is claimable under any other existing insurance, warranty or
        guarantee
   VAT where you are VAT registered.
   Any costs incurred in excess of or outside the liability under this insurance including any form of indirect loss
        (such as the cost of alternative transport necessitated as a result of your vehicle failing its MOT Test),
        depreciation or diminution of any nature and faults in workmanship or materials or repairs paid for by us on
        your behalf. It is your responsibility to meet any dealer charges in excess of, or rejected as not being our
        liability.
   This insurance does not cover any loss or claim where you would be entitled to be paid under any other
        insurance if this policy did not exist.
   Any frictional material.




Page 10 of 29
                                     2) UDrive Tyre Accidental Damage Insurance

This product is included as part of your NHS Gold Policy. The purpose of this insurance is to contribute to the cost of
repairs or replacement to any of the tyres fitted to your vehicle at the commencement date, which have sustained
accidental damage. Cover is for the replacement or repair of your tyre(s), including the cost of replacement valve or
wheel balancing, up to the claim limit, provided that the tyre tread depth complies with current UK road traffic
regulations at the time of the claim.

Claim Limit(s)
Is the maximum amount that can be claimed under this insurance during any annual period of the period of
insurance, being £100 per tyre or £500 in all (Inclusive of VAT) as stated on the schedule.

Legal Limit - Means the point at which the tyre fails to comply with the current Road Traffic regulations.

What is covered
Accidental Damage covering the cost of replacement or repair to accidentally damaged tyre(s), which is caused by
sudden and unforeseen deflation.

What is not covered
   Damage caused by using the tyre at the incorrect pressure.
   Loss or damage caused by Road Traffic Accident, Fire or Theft.
   Malicious damage.
   Faulty manufacture or design.
   Damage caused by incorrect wheel alignment, balance, defective steering or defective suspension.
   Tyres that do not carry an 'E' mark or whose tread is less than 2mm across the whole width of the tyre. (The
        tyre must have an 'E' mark to show that it complies with the load speed requirements of current ECE
        regulations.)
   Any repairs not authorised by us prior to the repair work being carried out.
   Damage caused by improper use of the insured vehicle.
   Any costs not agreed and authorised by us.
   Indirect damage of any kind, for example any damage to the bodywork of the vehicle or the wheel itself.
   This insurance does not cover any loss or claim where you would be entitled to be paid under any other
        policy of insurance if this insurance did not exist.

Process For Tyre Claims
   1. You must contact the Administrator on +44 (0) 871 384 1167 immediately following damage occurring to
        Your Tyre and BEFORE You have the Tyre repaired or replaced.
   2. The Administrator will explain the claims process to You and send You a claim form to complete.
   3. The Administrator will advise You to take Your Vehicle to an Approved Repairer. You must also take this
        Policy document and Your Policy schedule.
   4. You must settle the cost of the repair or replacement of the Tyre directly with the Approved Repairer.
   5. You must then send the Administrator the completed claim form together with the original car invoice and
        the Tyre repair invoice that
   6. You received from the Approved Repairer. You may also be required to provide photographs of the damaged
        Tyres.
   7. The Administrator will then assess Your claim and subject to the terms, conditions and the level of cover You
        have send a payment to You.
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                                           3) UDrive Service Plan Insurance

This product is included as part of your NHS Gold Policy. The purpose of this Insurance is to pay for the cost of the
service event listed below which may be incurred during the period of insurance. The service event can be booked
via your log-in details on the web portal through which this insurance was purchased and where possible we will
facilitate the service at a time and location that is convenient to you.

Date of claim
The date that your vehicle receives a service event

Single Claim Limit
The maximum amount that can be claimed from this policy during any one year of the period of insurance in respect
of an individual claim.

Service event
An annual service, a MOT test, a timing belt service, an interim lubrication service or a mechanical safety inspection
which is carried out on your vehicle during the period of insurance.

What is covered
This insurance is designed to pay for the cost of one the following service events which may be incurred during the
period of insurance;

                •   Full Annual Vehicle Service or;
                •   Interim Lubrication Service

Cover for the above service event is subject to terms and conditions and a description of what is covered by each of
the separate items identified above can be found in the schedule attached to this policy. Your vehicle must be
serviced at a repairer in accordance with the manufacturers recommendations detailed in the vehicles servicing
handbook.

An interim service includes:
     Oil and oil filter replacement
     Brake fluid, anti-freeze, windscreen wash, power steering fluid check and top up
     Essential checks to lights, windscreen wipers, battery condition, charging system, exhaust condition, tyre
        tread & pressure, full brake & steering check and shock absorber & suspension check

A Full Annual Service includes:
     The items listed above for an interim lubrication service, plus:
     Replacement fuel filter (Diesel), or change spark plugs (Petrol)
     Replacement air filter
     Essential checks to the auxiliary drive belt, wheel alignment, wheel bearings, wheel balance and the
        condition of the vehicles brake fluid

Please note that replacement parts you agree to have fitted as a result of items deemed to be faulty are not covered
under this insurance, unless the service is completed with an MOT inspection and the parts have been the cause of
the vehicle failing its MOT and the parts are covered under Section 1 of this insurance.


Page 12 of 29
What is not covered
   Vehicles that have exceeded the age and mileage eligibility on or before the date you made your application.
   Any damage caused by the engineer servicing your vehicle.
   More than one claim per year in any one period of insurance.
   Any repairs not authorised by us prior to the repair work being carried out.
   Any claims for vehicles not insured under this policy.
   Any additional work identified by the repairer that is not included in an interim service event.




Page 13 of 29
                                      4) UDrive Breakdown Assistance Insurance

This product is included as part of your NHS Gold Policy and provides assistance if you have broken down near or
more than 5 miles away from your home. Our aim is to fix your vehicle at our cost and get you on your way. If we are
unable do this within a reasonable time we will provide a local recovery to the nearest suitable repairer. Recovery
doesn’t apply if the vehicle has suffered a breakdown at the home. Please refer to Service Descriptions for full
details.

Single Claim Limit
Cover hereon is in respect of a single claim, the “single claim limit” is up to £750 following payment of an individual
claim excess of £25 as shown in your schedule.

What is covered:-
Accident
An accidental crash immobilising the insured vehicle

Breakdown
Unforeseen mechanical or electrical failure during the period of insurance within the geographical limits which has
either immobilised your vehicle or made it unsafe to drive

Home
The UK address which we have recorded as the address of the UDrive Membership at the time of the relevant
breakdown or accident.

Breakdown Assistance
    If your vehicle is incapacitated following a breakdown at or away from home.
    If, following a breakdown away from home, a patrol or appointed agent cannot fix your vehicle at the
       roadside and believes repairs are unwise, we will take you, your vehicle and up to 6 passengers to a local
       repairer within a 30 mile radius of the breakdown.
    Please note that any contract for repair, other than repairs carried out by our agent at the roadside under
       the term of this insurance, is between you and the repairer — it is your responsibility to instruct the repairer
       to undertake any work required and to pay them yourself (Note that the costs may be covered on your
       Mechanical Breakdown Insurance product, listed in section 5 of this insurance).
    If we cannot arrange a local repair within a reasonable time, then, as well as the option of having your
       vehicle and your passengers recovered to a repairer within a 30 mile radius of the breakdown, you may also
       choose either a replacement car OR public transport costs (excluding taxi fares). See below for full details of
       what is covered under each benefit.

                  Replacement Vehicle                                      Alternative Transport Costs

We will pay up to £30 per day inclusive of VAT for up to a   We will reimburse you for a standard class rail or other
maximum of 3 days towards the cost of a replacement          transport of our choice for up to 7 people (You and 6
vehicle. You can only have a replacement vehicle if your     passengers) to reach the end of your journey within the
vehicle is being repaired by the roadside under the terms    UK. We will pay up to £75 per person or £525 per group
of this insurance and prior authority has been granted by    whichever is less.
us.



Page 14 of 29
                                     5) UDrive Mechanical Breakdown Insurance

This product is included as part of your NHS Gold Policy and provides cover against the unexpected costs (parts and
labour) of repairing or replacing an insured component on your vehicle following a roadside Breakdown that
prevents the vehicle being able to complete its journey. Cover under this policy is only effective if the vehicle has
been recovered from the roadside to an Appointed Agent. No cover operates if the vehicle is repaired at the
roadside, even if such repair is of a temporary nature.

Mechanical Breakdown Failure
Sudden and unforeseen mechanical or electrical failure during the period of insurance within the geographical limits
which has either immobilised your vehicle or made it unsafe to drive.

Sum Insured
The maximum amount that can be claimed during any one year of the period of insurance is £2,000 for all claims
combined

What is covered
Any parts/components not mentioned in the excluded components section.
    Subject to the exclusions detailed below in the policy wording, and further subject to your vehicle being
        within the geographical limits this insurance covers breakdown of the mechanical, electrical and electronic
        parts of the vehicle that were the manufacturer's original specification against breakdown resulting in the
        vehicle being unable to complete its journey. Please note that these cover limits are inclusive of VAT.
    If you are registered for VAT we will not pay the VAT element of any claim under this Insurance as you
        should be able to recover the VAT. No more than three claims can be made under this Insurance during any
        one year of the period of insurance.
    The sum insured will be reduced by the cost of any claim during any one year of the period of insurance
        subject to the claim excess of £25 per claim.
    Cover does not extend to the cost of components that are replaced at the time of repair but which have not
        suffered breakdown. In certain circumstances, the replacement of components may result in your vehicle
        being in an improved condition. If this occurs, you may be required to pay a contribution towards the
        repairs. Following a breakdown, we will not cover any replaced component during the term of any
        manufacturer's guarantee relating to that component.
    Our cover will start again on expiry of that guarantee, provided that it is within the period of insurance. Your
        vehicle must be permanently registered in the UK, have a valid MOT certificate where applicable and display
        a current road fund licence disc.
    No claim is payable during the waiting period.

Overseas Use
The geographical limits of this cover are extended to include mainland Europe and the Republic of Ireland for a
maximum period of 60 days during any one year of the period of insurance, subject to the following:
     You must pay the Repairer and claim reimbursement direct from us by sending the Claims Office a receipted
        claim invoice
     the other terms, conditions and exclusions of this policy
     the total cost of the claim will not exceed the UK standard repair costs as defined by the manufacturers UK
        parts list and the ICME book labour time
The claim will be paid at the exchange rate applicable on the day that the claim is processed.

Page 15 of 29
In agreeing the costs of all repairs, we will use aftermarket components if they are more cost effective than the
manufacturers own parts and will adjust the labour charges in line with the Glasses Guide ICME manual.

What is not covered
  1. Any claim attributable to wear and tear, or worn out component(s).
  2. Any damage to the vehicle or its component(s):
        a) where the fault or damage occurred due to the vehicle being driven following the initial failure
        b) caused by fire, flood, theft or attempted theft, impact, any road traffic accident, accidental damage,
            caused during recovery,
        c) caused by frost, corrosion, contamination, or the freezing of any liquids, (unless anti-freeze has been
            added in accordance with manufacturer’s recommendations) or caused by the use of incorrect fuel, or a
            grade of fuel or lubricant not recommended by the manufacturer of the vehicle
        d) of any nature arising directly or indirectly, in whole or in part, due to any misuse, act or omission which
            is wilful, unlawful or negligent on your part.
        e) of any kind caused by the vehicle being used off road for any reason
  4. Oil leaks
  5. All service items, including but not limited to: distributor cap, gaiters, boots, rotor arm, condensers, points,
        high tension leads, spark plugs, wiper blades, filters, bulbs, belts.
  6. Anti-freeze, fluids, grease, fuel or oils unless replacement is necessary following the breakdown of a
        component which forms part of a valid claim accepted by us.
  7. Any form of indirect loss, such as, for example, the cost of a flight missed as a result of the breakdown.
  8. Any claim where the damage to a covered component has been caused by a non-covered component;
  9. Any depreciation or diminution in the value of the vehicle.
  10. The cost of stripping the vehicle if a claim is not accepted against the policy.

Excluded Components;
    1. Bodywork, paint, all exterior and interior trim, glass of any description, alarm systems, entertainment and
        communications systems, remote control transmitters and receivers, airbag system, tyres, exhaust system,
        inlet and exhaust manifolds, wiper blades, brake linings, discs and drums, belts not specifically listed, wiring,
        printed circuits and bulbs.
    2. Automatic transmission – water damaged, burnt or worn out clutch plates or brake bands.
    3. Final drive - gaiters and boots.
    4. Front and rear suspension - wheel alignment and balancing, adjustments to suspension, shock absorbers and
        suspension bushes.
    5. Fuel system - fuel leakage, failure of piping and seals.
    6. Steering parts - gaiters and boots.
    7. All gaskets and seals except the cylinder head gasket.
    8. Wheel bearings
    9. Brakes— discs, drums, pads, shoes and seized callipers.
    10. Electrical - batteries, fuses, wiring looms and connectors (including making good any corroded or dry
        connections),in car audio systems, central locking remote control units, sensors, navigation and
        communication systems including LCD display / television screens, alarms and immobilisers, window,
        washer, headlamp lifter, seat adjustment and mirror motors, heated screens, horn, dashboard instruments
        other than the speedometer or temperature gauge.
    11. The manual clutch cover, centre plate and release bearing.



Page 16 of 29
                                            6) UDrive Misfuelling Insurance

This product is included as part of your NHS Gold Policy and is designed to cover you for the cost of flushing the fuel
tank of your vehicle on site or recovering your vehicle to the nearest authorised repairer following a misfuelling
event which occurs during the period of insurance, as well as a contribution to the cost of hiring a replacement
vehicle if your vehicle is off the road whilst repair is effected.

Claim Limit(s)
The maximum amount that can be claimed under this insurance during the period of insurance, this being up to
£1,000 inclusive of VAT for any one claim. Only one claim may be made under the insurance during any one period
of insurance.

Misfuelling
The accidental input of fuel of the incorrect type for the manufacturer’s specification for your vehicle by you or any
one acting on your behalf or authorised by you to drive the vehicle.

What is covered
Provided the terms and conditions of this insurance are fully complied with your insurance will provide cover up to
the claim limit in any one period of insurance for the following:

Recovery:                      We will pay up to £1,000 inclusive of VAT towards either the cost of having the tank
                               flushed on site by a specialist roadside vehicle, or the cost of towing your vehicle to
                               the nearest repairer to drain and clean the fuel tank.

Repair:                        If mechanical damage has occurred as a direct result of misfuelling we will pay for
                               repairs to be made up to the maximum claim limit.

Replacement Vehicle:           We will pay up to £30 per day inclusive of VAT for up to a maximum of 3 days
                               towards the cost of a replacement vehicle. You can only have a replacement vehicle if
                               your vehicle is being repaired under the terms of this insurance and prior authority
                               has been granted by us.

Replacement Fuel:              We will also contribute up to 20 litres of replacement fuel once repairs have been
                               carried out. Please seek authorisation from us before filling up your vehicle and send
                               a copy of the receipt for your fuel to the Administrator's address.

What is not covered
Any claim :
   1) Where the vehicle concerned is not registered to you under your UDrive membership
   2) In respect of any loss of use of your vehicle or any consequential loss of any kind:
   3) Where the misfuelling occurs outside of the Geographical Limits;
   4) Which is the subject of fraud, false actions or dishonesty of any kind; and
   5) Where the loss is covered by any other insurance policy separate to this insurance.
   6) A defect which is deemed NOT to be a direct result of misfuelling or a defect which existed before the
        incident of misfuelling.
   7) Any claim resulting from foreign matter entering the fuel system except for petroleum or diesel; or
   8) Any act or omission which is wilful or unlawful.



Page 17 of 29
                                              7) UDrive Key Fob Insurance

This product is included as part of your NHS Gold Policy and is designed to cover you for the cost of replacing your
car key and / or recoding the key fob / alarm / immobiliser, should they be accidentally damaged or lost during the
period of insurance as well as a contribution to the cost of calling out a locksmith to your vehicle.

Sum Insured
The maximum amount that can be claimed under this insurance during the period of insurance, this being up to £350
for any one claim. Only one claim may be made under the insurance during any one year of the period of insurance.

Locksmith call out
The cost incurred in summoning a qualified locksmith to effect entry to your vehicle, replace a key or repair a lock as
appropriate.

Accidental Loss or Damage
The cost of replacement or repair to accidentally damaged car keys or locks, including alarm and /or immobiliser,
and replacement of car keys that have been accidentally lost.

Car Hire
Covers the cost of hiring a replacement car if access to your vehicle is not possible owing to a broken lock or
damaged or lost keys. Cover under this section is restricted to a maximum of three days and subject to the overall
Sum Insured claim limit.

What is not covered
   1. Damage caused by acts of vandalism.
   2. Faulty manufacture or design.
   3. Any repairs not authorised by us prior to the repair work being carried out.
   4. this insurance does not cover any loss or claim where you would be entitled to be paid under any other
        insurance if this policy did not exist.
   5. Damage caused by improper use of the insured vehicle.
   6. Any costs not agreed and authorised by us.
   7. Indirect losses of any kind, such as for example excess car park fees resulting from being unable to move
        your car from a car park.
   8. Lock replacement when only parts need changing
Important notes:
   1. You are required to notify us of a claim within 48 hours of the event taking place
   2. No claim is payable for losses occurring during the waiting period.




Page 18 of 29
                                      8) UDrive Financial Shortfall “Gap” Insurance

This product is included as part of your NHS Gold Policy and has been designed to pay for financial shortfall between
the amount you receive from your motor insurance policy in the event of your vehicle being a total loss following
accidental damage, non-malicious fire or theft and the retail value of your vehicle at the date of commencement of
cover.

Date of loss
The date of the incident to the vehicle in respect of which a total loss is subsequently paid under your motor
insurance policy

Agreement
The Credit or Hire Agreement entered into by You in order to purchase the Insured Vehicle.

Insured value
The retail value at the date of your application for insurance

Market value
The mid-book value (i.e. midpoint between the Trade and Retail values] as given in Glass's Guide for a vehicle of the
same make, model, trim level, recorded mileage and overall condition. We reserve the right to have an independent
valuation undertaken should the specification not be available within Glass's Guide or it is suspected that the
condition of the vehicle is such that this would affect the Guide value. There will be no value allowance for non-
standard fittings, other than a reduction should any non-standard fittings be considered to have a detrimental effect
on retail prospects and/or value.

Total Loss
When a claim has been made under your motor insurance policy and the claim has been settled, with the vehicle
salvage forfeited and a total loss payment made in full and final settlement.

What is covered
It is a requirement of this insurance that your vehicle has a market value at the commencement date of between
£1,000 and £20,000. You should be aware that this insurance does not provide cover for the difference between the
amount you receive from your motor insurance policy in the event of your vehicle being a total loss, and the balance
which may be due to a third party under any financing arrangement relating to the vehicle. Cover hereon is provided
up to a maximum of £5,000, this being referred to as the Sum Insured. No more than one claim can be made under
this Insurance during any one period of insurance.

What is not covered
The following are excluded from cover provided under this Insurance:
    1. Claims made within thirty days of the commencement date.
    2. Any total loss where the fault or total loss occurred before the commencement date of this insurance.
    3. this policy does not cover any loss or claim where you would be entitled to be paid under any other
        insurance if this policy did not exist.
    4. If the vehicle is stolen by any person having access to the keys of the vehicle.
    5. Any total loss which is not subject of an indemnity under the accidental, non-malicious fire or theft damage
        sections of a comprehensive motor insurance policy.


Page 19 of 29
    6. When the driver of the vehicle at the time of loss is convicted for any motoring offence relating to the
        incident
    7. Where the total loss is caused by an accident when the driver of your vehicle is under the influence of
        alcohol or drugs not prescribed by a registered medical practioner in respect of which a warning against
        driving is given.
    8. Any claim where your motor insurance policy offers to provide a replacement vehicle as settlement of your
        claim under your motor insurance policy, whether you accept it or not.
    9. Any excess from the motor insurance policy.
    10. Any claim where the motor vehicle insurer has offered to repair the vehicle but you have requested the
        claim to be dealt with on a total loss basis. Any claim where you are not the policyholder named on the
        motor insurance policy.
    11. Named driver; as only the registered keeper and Policy holder are covered under this insurance.

Claims Procedure
In the event of the insured vehicle becoming the subject of a Total Loss, You must not accept any offer from the
Motor Insurer without our written consent. We reserve the right to subject the Insured Vehicle to independent
inspection.

Claim Payment
No benefit shall become payable under this cover until we have received proof to our satisfaction of:
•      payment of the appropriate premium in respect of the cover
•      the payment of the claim for total loss under the motor insurance policy
•      evidence of the total loss and the insured value as at the date of loss
•      your policy number and vehicle details
•      cause of total loss
•      valid crime reference number in the case of theft
•      your contact and payment details for reimbursement.
•      original VAT invoice detailing purchase price etc.
•      any other evidence which may be reasonably required by us.




Page 20 of 29
                                   9) Drive Driver Rehabilitation Expense Insurance

This product is included as part of your NHS Gold Policy and has been designed to provide funding for one
attendance at one of the specified rehabilitation courses which are offered as an alternative to court appearance
and / or prosecution and penalty points in the event of you being accused or convicted of offences under the
appropriate section of the Road Traffic Act 1998 in relation to the following:
    1) driving without due care and attention
    2) jumping a red light
    3) speeding

Insured Course
A driver improvement / rehabilitation course administered and run by the Appointed Agent. The following three
courses are considered to be insured courses for the purposes of this cover:
    1) National Driver Improvement Course
    An alternative to referral to the Crown Prosecution Service, which may be offered where you have been involved
    in a Road Traffic Incident and evidence has been collated by the police which indicates that you have been
    driving without due care and attention or reasonable consideration to other road users contrary to section 3 of
    the Road Traffic Act 1988.
    2) Red Light Camera Course
    A scheme which may be offered to you as an alternative to paying a fixed fine and accepting three penalty points
    where you have been identified as a driver of a vehicle which has been recorded on film committing a red light
    offence.
    3) Speed Awareness Course
    A scheme which may be offered to you as an alternative to paying a fixed fine and accepting three penalty points
    where you have been identified as the driver of a vehicle which has exceeded the posted speed limits set out
    within ACPO guidelines.

Policy Excess
The sum payable by the insured upon booking an insured course. The excess hereon is £25.

What is covered
We will indemnify you in respect of the cost of attending one insured course, subject to the overall limit of indemnity
during the period of insurance of £200.

PROVIDED THAT:
   a) The incident from which the claim arises occurs whilst you were driving or in control of a motor vehicle or
      motor cycle of which you were the owner or which you were authorised to drive. If an incident occurs during
      the period of insurance but you are notified of an impending prosecution and / or fine as a result of such
      incident after the period of insurance then provided that you have notified the incident to us in accordance
      with the terms and conditions of this Policy, then such notification shall for the purposes of this Policy be
      deemed to have occurred during the period of Insurance;
   b) We shall only indemnify you for attendance at one of the insured courses during any one period of
      insurance.
   c) The date that the motoring offence was or was alleged to have been committed is during the period of
      insurance. For the avoidance of doubt where a notification of impending prosecution arising out of an
      offence is received during the period of insurance, for which an insured course may be offered as an


Page 21 of 29
         alternative to such prosecution, but which relates to an incident which occurred prior to the period of
         insurance, no cover is given hereon for attending an insured course;
    d)   The insured course is provided and run by an Appointed Agent;
    e)   You make yourself available for an insured course within two months of the date of the notification that
         such a course might be applicable,
    f)   You pay the policy excess upon booking of the insured course;
    g)   You remain legally capable of driving a motor vehicle and have not been disqualified from driving either as a
         result of a so-called totting up procedure or as a result of any other disqualification, revocation of licence or
         incapacity at the time of attending the insured course.
    h)   You provide us with written evidence of the fact of the conviction, and or pending court appearance as
         applicable.
    i)   In the event of an incident including non reckless or dangerous driving the maximum number of points that
         can contribute to this policy shall be 3 points of the 12 needed for this policy to become effective. It is not
         our intention to provide assistance for reckless or dangerous driving.

What is not covered
We shall be under no liability;
   1. In respect of you if:
   a) You are not the holder of a full driving licence valid in the United Kingdom, Northern Ireland, the Channel
        Islands or the Isle of Man; and
   b) You have not held a full driving licence valid in the United Kingdom, Northern Ireland, the Channel Islands or
        the Isle of Man for a period of at least two years; and
   c) You are not resident in the United Kingdom, Northern Ireland, the Channel Islands or the Isle of Man.
   d) You do not hold a full motor cycle driving licence valid in the United Kingdom or the Channel Islands and you
        have not held such licence for a period of at least two years.
   2. If you have at the commencement of this Policy:
   a) had your driving licence endorsed with more than six penalty points (or whatever number of penalty points
        have been disclosed by you on your application and accepted by us) or have been served with a complaint
        summons or other process alleging an offence which may on conviction result in your penalty points
        exceeding the number declared and accepted;
   b) During the previous 12 months been disqualified from driving by reason of penalty points endorsed on your
        driving licence totalling twelve or more;
   c) During the previous 12 months been disqualified for speeding under the provisions of Section 89 of the Road
        Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (or any amendment
        thereof) or any similar legislation in force in Northern Ireland, Scotland, the Channel Islands or the Isle of
        Man;
   3. If you have, prior to the commencement of this Policy, had your driving licence revoked under Section 93 of
        the Road Traffic Act 1988 (or any amendment thereof), or any similar provision in force for Northern Ireland,
        the Channel Islands or the Isle of Man or had been given notice that your driving licence may be revoked or
        had been recommended by any doctor not to drive;
   4. If you are over age 65 at the time of the claim;

Important note:
If you are disqualified from driving under Section 35 of the Road Traffic Offenders Act 1988 (or any amendment
thereof) or any similar provision in force for Northern Ireland, the Channel Islands or the Isle of Man by reason of the
penalty points endorsed on your driving licence totalling twelve or more or for speeding under Section 89 of the
Road Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (or any amendment thereof)
Page 22 of 29
or any similar provision in force for Scotland, Northern Ireland, the Channel Islands, or the Isle of Man, you shall not
re-qualify for the cover provided under this Policy until the expiration of the disqualification period.




Page 23 of 29
                                    10) UDrive Uninsured Loss Recovery Insurance

The Insurer
This insurance is underwritten by Brit Insurance Limited, a company registered in the United Kingdom under
Registration No. 02763688. Brit Insurance Limited is authorised and regulated by the Financial Services Authority
under Registration No 202898. It is arranged and administered on behalf of UDrive by ARAG plc, whose registered
office is at 9 Whiteladies Road, Clifton, Bristol, BS8 1NN, part of the ARAG Group, one of the world leaders in legal
insurance.

ARAG plc is authorised and regulated by the Financial Services Authority (firm reference no. 452369) and is
authorised to administer this insurance on behalf of Brit Insurance Limited.


Preamble
Following an Insured Event the Insurer will pay the Insured’s Legal Costs & Expenses up to the Limit of Indemnity,
including the cost of appeals provided that:

1. You have paid the insurance premium,
2. The Insured Event occurs within the Territorial Limit
3. The claim
       Always has Reasonable Prospects of Success
      Is reported to us
       - During the Period of Insurance
       - Immediately after the insured first becomes aware of circumstances which could give rise to a claim under
       this Policy
4. The insured always agrees to use the Appointed Advisor nominated by us in any claim
       Falling under the jurisdiction of the Small Claims Court, and/or
    Prior to the issue of proceedings
5. Any proceedings or hearing are dealt with by a Court or any other body that we agree to, in the Territorial Limit
6. The Insured enters into a Conditional Fee Agreement with the Appointed Advisor or the Appointed Advisor
   enters into a Collective Conditional Fee Agreement with us if a claim will be decided in a Court within England &
   Wales and falls outside the jurisdiction of the Small Claims Court.

Definitions

Appointed Advisor             The solicitor or other advisor appointed by us to act on behalf of
                              the Insured

Conditional Fee               The separate agreement between the Insured and the Appointed
Agreement                     Advisor for paying his or her professional fees which is an
                              enforceable Conditional Fee Agreement within the meaning of
                              sections 58, 58A, Courts and Legal Services Act 1990 (as substituted
                              and inserted by section 27, (as substituted and inserted by section
                              27, Access to Justice Act 1999)), the format and contents of which
                              have been agreed to by us before it is entered into



Page 24 of 29
Insured                   You and any driver or passenger in or on an Insured Vehicle
Insured Vehicle           The vehicle specified in your motor insurance Policy and any trailer
                          or caravan attached to it
Insurer                   Brit Insurance Limited
Legal Costs & Expenses    1) In respect of all Insured Events other than as provided for in 2)
                             below :
                             a) Reasonable legal costs, fees and disbursements reasonably
                                 and proportionately incurred by the Appointed Advisor on
                                 the Standard Basis and agreed in advance by us
                             b) Other side’s costs and disbursements incurred in civil claims
                                 where the Insured has been ordered to pay them or pays
                                 them with our agreement
                          2) Where the claim is brought within England & Wales and falls
                             outside the jurisdiction of the Small Claims Court, reasonable
                             legal costs reasonably and proportionately incurred by the
                             Appointed Advisor on the Standard Basis and agreed in
                             advance by us or in accordance with the Predictable Costs
                             scheme if applicable
                             The Predictable Costs scheme applies to any road traffic
                             accident occurring where damages of less than £10,000 are
                             negotiated prior to the issue of proceedings


Limit of Indemnity        £100,000 which is the maximum Legal Costs & Expenses payable by
                          the Insurer in respect of all claims related by time or original cause


Period of Insurance       The 12 month period corresponding to your membership of UDrive.


Reasonable Prospects of   In all claims including an appeal where the Insured has a greater
Success                   than 50% chance of successfully pursuing the claim or pursuing or
                          defending an appeal. If the Insured is seeking damages or
                          compensation, there must also be a greater than 50% chance of
                          enforcing any Judgment that might be obtained
Small Claims Court        A Court in England & Wales that hears a claim falling under the
                          Small Claims Track in the County Court as defined by Section 26.6
                          (1) of the Civil Procedure Rules 1999
Territorial Limit         The United Kingdom, Channel Islands, Isle of Man and countries in
                          the European Union
We/Us/Our                 ARAG plc who are authorised under a binding authority agreement
                          to administer this insurance on behalf of the Insurer, Brit Insurance
                          Limited




Page 25 of 29
Single Claim Limit
£100,000 which is the maximum Legal Costs & Expenses payable by the Insurer in respect of all claims related by
time or original cause.

What is covered
1. Uninsured Loss Recovery
   An event causing damage to the insured vehicle and/or personal property in or on it
2. Personal Injury
   An event causing the Insured personal injury whilst in or on an insured vehicle


What is not covered
You are not covered for any claim arising from or relating to:-
1.   Legal Costs & Expenses incurred before we accept a claim
2.   A contract
3.   Defending any action
4.   Any event occurring prior to the inception of the policy, and which the insured knew or ought reasonably to have
     known could give rise to a claim under this Policy
5.   Fines, penalties or compensation
6.   A dispute with us or the insurer not dealt with under Condition 6 (see above)
7.   A group litigation order
8.   Any loss caused by or arising from:
     a) Ionising radiations or contamination by radioactivity from any               nuclear fuel or from any nuclear waste
          from the combustion of nuclear fuel;
     b) Radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear
          component thereof
     c) War, invasion, act of foreign enemy hostilities (whether war is declared or not), civil war, rebellion,
          revolution, insurrection or military or usurped power
     d) Pressure waves from aircrafts or other aerial devices travelling at sonic or supersonic speed
     e) Any terrorist action (regardless of any other cause or event contributing concurrently or in any other
          sequence to the liability) or any action taken in controlling, preventing or suppressing terrorist action. If the
          Insurer alleges that by reason of this exclusion any liability or loss is not covered by this Policy, the burden of
          proving the contrary shall be upon the Insured.
9.   Acts of Parliament & Jurisdiction
     All Acts of Parliament referred to within the Policy shall include equivalent legislation in Scotland, Northern
     Ireland, the Isle of Man and the Channel Islands and any subsequent amendment or replacement legislation
10. Contracts (Rights of Third Parties) Act 1999
    A person who is not party to this contract has no right to enforce the terms and conditions of this Policy under
    the Contracts (Rights of Third Parties) Act 1999


     How to Claim
     ARAG operates a 24 hour, 365 day per year motor claims reporting helpline. Please immediately telephone 0844
     477 1628 in the event of you being involved in a motor accident. (calls are charged at a national rate)




Page 26 of 29
                                              11)    Motor Legal Assistance Helpline

    This service is provided to you free as a benefit of UDrive membership. The helpline is open from 9 am to 5pm
    Monday to Friday staffed by professionally qualified lawyers who are able to help you with any queries you may
    have with respect to ownership of a motor vehicle. Legal issues can often be confusing and complex and our advisers
    at have been carefully chosen for their ability to explain legal matters in everyday English.
    Examples of queries that you might have are:
   What are your rights if you buy a car in good faith that has been stolen?
   What do you do if you think a car you’ve bought has been “clocked”?
   Do you have any redress if you have been sold a warranty policy that is too expensive or doesn’t cover what the
    dealer said?
   My car was clamped whilst parked on private land and I think the charges applied to release it were
    extortionate. Who can I complain to?
   My insurers have refused to deal with a claim because they say I "failed to disclose material facts". What can I do?
   My neighbour’s 5 year old son damaged my car whilst playing on his bike. Can I sue his parents?


    Simply call us on 0161 831 5674, explain the nature of your query and we will do our best to help.




    Page 27 of 29
       Appendix 1 Major Service Event Schedule

       1. Fit a full set of protective covers
       2. Check vehicle for damage to bodywork, lamps, trims etc
       3. Check Horn operation
       4. Check Lights: side, reverse, fog, brake, tail, indicators, head, repeaters, reflectors, number plate lights
       5. Check Front and Rear Seatbelts for condition and operation
       6. Check Front and Rear Windscreen Wiper operation and condition
       7. Check Windscreen condition and clean
       8. Check condition of all mirrors
       9. Check Number Plate condition
       10. Check Screen Washer aim
       11. Check Engine Oil
       12. Check Auxiliary Drive Belts
       13. Check Fuel Filter and replace (if applicable)
       14. Check Battery Terminals and Electrolyte Levels (where required)
       15. Check Manual Choke operation where appropriate
       16. Check Coolant levels
       17. Check Steering and Suspension components
       18. Check Wheel Bearings and Drive Shafts (CV Joints) for excessive play
       19. Check and measure Front Brake components for condition, operation and leakage
       20. Check and measure Rear Brake Components for condition, operation and leakage
       21. Check all visible Brake Pipes and Hoses
       22. Check Exhaust System
       23. Check and adjust Hand Brake operation
       24. Remove and renew Oil Filter
       25. Renew Engine Oil
       26. Renew Spark Plugs (as per manufacturer's recommendation)
       27. Drain Water Tap (diesel only)
       28. Check when Cam/Timing Belt last changed and replace as necessary
       29. Check PAS Fluid
       30. Check Brake Fluid
       31. Check Clutch Fluid and check Cable
       32. Check Windscreen Washer Bottle(s) level
       33 Check and replace Air Filter (as necessary)
       34. Check and replace Cabin Filter (as necessary)
       35. Check Exhaust Emissions
       36 Torque tighten wheel nuts/studs
       37. Check Brake for operation and efficiency
       38. Check Clutch operation
       39. Check Steering
       40. Check for fluid leaks




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       Appendix 1 Interim Lubrication Service

       1. Visual mechanical inspection of vehicle
       2. Inspection of brake and steering components
       3. Inspection of tyres and exhaust system
       4. Change engine oil and filter
       5. Top-up coolant levels




Page 29 of 29

								
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