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Hire Car Cover - Admiral

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Hire Car Cover - Admiral Powered By Docstoc
					Hire Car Cover
 third party, fire and theft
    Demands and Needs Statement
This Policy meets the demands and needs of a driver whose vehicle has
been rendered a total loss in a road traffic accident or stolen recovered
incident or had their vehicle stolen and it remains unrecovered and who will
be using the replacement vehicle facility provided by AVR Ltd. This Policy
will cover You against the replacement vehicle hire charges within the terms
and conditions of Your Admiral Hire Car Cover, which are not recoverable
from any Third Party.


Admiral does not make personal recommendations as to the suitability of
the Policy to individual circumstances.
Policy Summary                                                                            ®


Hire Car Cover                               n A Hire Car for when the Insured
(Third Party Fire and Theft)                    Vehicle has been stolen and not
                                                recovered (Section 1. Definitions:
This Policy summary does not contain full
                                                Insured Incident)
terms and conditions of the cover, which
can be found in the Policy document.         Significant and Unusual Exclusions or
It is important that You read the Policy     Limitations:
document carefully which follows this
                                             n A maximum of two claims can be
Policy Summary.
                                                made within the Period of Insurance
Name of The Insurance Undertaking               (Section 2: What is Covered?)
Admiral Insurance (Gibraltar) Limited,       n The Insured Person must be a full
Suite 3G, Eurolife Building, 1 Coral Road,      driving licence holder aged 18 years
Gibraltar.                                      and over (Section 1. Definitions:
                                                Insured Person)
Type of Insurance and Cover
                                             The following are not covered under this
Hire Car Cover                               Policy:
The Admiral Hire Car Policy provides
insurance to cover the funding of            n All fuel, fares, fines and fees relating
vehicle hire charges to help You stay           to the Hire Car whilst in Your
mobile following a road traffic accident        possession (Section 5: What is Not
or recovered theft which renders the            Covered? a.)
Insured Vehicle a total loss or where        n Any claim where the Insured Vehicle
that vehicle is stolen and remains              was being used for hire or reward
unrecovered, all within the Territorial         (Section 5: What is Not Covered? b.)
Limits.
                                             n Any claim where the Insured Vehicle
Significant Features and Benefits:              has been stolen and has not been
                                                reported to the Police (Section 5:
n A single period of up to 14 days of
                                                What is Not Covered? e.)
   continuous vehicle hire (Section 2:
   What is Covered?)                         n Any claim reported to Admiral more
                                                than fourteen days after the Insured
n A Group A (ABI Group S1/S2) vehicle
                                                Incident (Section 5: What is Not
   provided by AVR Ltd, within the
                                                Covered? g.)
   Territorial Limits e.g. 1.0 litre car
   (Section 1. Definitions: Hire Car)        Duration
n A Hire Car for when the Insured            The period of the Third Party Fire &
   Vehicle is rendered a total loss          Theft motor insurance policy which runs
   through an Insured Incident (Section 1.   concurrent with this Policy and does
   Definitions: Insured Incident)            not exceed twelve months (Section 1.
                                             Definitions: Period of Insurance).


                                                                                              1
    Cancellation                                  Financial Services
    You may cancel Your Policy and receive        Compensation Scheme
    a full refund up to 14 days after receipt     EUI Ltd are covered by the Financial
    of the Policy, subject to no claim having     Services Compensation Scheme (FSCS).
    been made upon the Policy. If You do not      If EUI Ltd were unable to meet their
    exercise this right to cancel Your Policy,    obligations You may be entitled to
    it will remain in force for the term of the   compensation from the scheme,
    Policy and You will be required to pay        depending on the type of insurance and
    the Premium. If You want to cancel            circumstances of any claim. The first
    Your Policy after 14 days no refund will      £2,000 of a claim or policy is protected
    be payable.                                   in full and above this threshold 90% of
    Please contact EUI Ltd, Capital Tower,        the rest of the claim can be met.
    Greyfriars Road, Cardiff CF10 3AZ or          Further information can be obtained
    call on 0871 882 0000.                        from www.FSCS.org.uk
                                                  Admiral Insurance (Gibraltar) Limited is
    Claim Notification                            licensed and regulated by the Gibraltar
    To make a claim please call the Claims        Financial Services Commission under
    Line on 0844 543 4400.                        the Insurance Companies Act 1987 of
                                                  Gibraltar. Admiral Insurance (Gibraltar)
    How to Make a Complaint
                                                  Limited is a member of the FSCS. If
    Any enquiry or complaint regarding            Admiral Insurance (Gibraltar) Limited is
    this policy should be addressed to:           unable to meet their obligations to you
    The Quality Executive, EUI Limited,           under this contract you may be entitled
    Capital Tower, Cardiff CF10 3AZ.              to compensation from the FSCS. The first
    Tel: 0800 952 1300                            £2,000 of a claim or policy is protected
    Email: quality@admiral.com.                   in full. Above this threshold, 90% of the
    If we have given you our final response       rest of the claim or policy will be met.
    and you are still unhappy, or more
    than 8 weeks have passed since we
    received your original complaint, you
    may refer your complaint to the Financial
    Ombudsman Service (FOS) at South Key
    Plaza, 183 Marsh Wall, London, E14 9SR.
    Tel: 0845 080 1800.




2
IMPORTANT
Your Hire Car Policy                         Builders Association (VBRA) or the Motor
                                             Vehicle Repairers Association (MVRA)
This is to confirm that Admiral Insurance
                                             or another similar recognised body.
(Gibraltar) Limited will provide the cover
                                             Alternatively, it is where the Insured
described below during the Period of
                                             Vehicle has been stolen and remains
Insurance. Cover is subject to the terms
                                             unrecovered.
and conditions that follow. Payment
of the Hire Car Premium must be paid         Insured Person/You/Your
before cover is provided.                    A full driving licence holder aged 18 years
                                             and over who appears on the current
Albany Vehicle Rentals Ltd (AVR Ltd)
                                             Third Party Fire & Theft certificate of
or a supplier of AVR Ltd provides the
                                             motor insurance issued by EUI Ltd.
benefits under this Policy, however the
insurance contract is between Admiral        Insured Vehicle
Insurance (Gibraltar) Limited and the        Any motor vehicle insured with EUI Ltd
Policyholder.                                that appears on a current Third Party Fire
                                             & Theft certificate of motor insurance,
1. Definitions                               and for which a Premium has been paid
Please find below an explanation of the      for Hire Car cover.
words used in this insurance Policy:         Participating Agent
Appointed Agents                             EUI Ltd who are authorised to accept
Albany Assistance Ltd who will act           insurance, collect premiums and issue
on behalf of the Underwriters in             policies on behalf of the Underwriters.
connection with the Policy and its           Period of Insurance
claims administration and may monitor        The period of the Third party Fire &
and record calls for Your protection         Theft motor insurance policy which runs
and theirs.                                  concurrent with this Policy and does not
Hire Car                                     exceed 12 months.
A Group A (ABI Group S1/S2) vehicle          Policy
as determined by AVR Ltd, within the         This Policy of insurance.
Territorial Limits (e.g. 1.0 litre car).
                                             Policyholder
Insured Incident                             The person, firm or company who has
A road traffic accident or stolen            taken out this Policy and has paid the
recovered incident within the Territorial    Premium due.
Limits that renders the Insured Vehicle a
total loss as determined by EUI Limited      Premium
if the damage is covered under their         The payment, which needs to be paid to
current motor insurance policy OR, by the    the Participating Agent by You to get the
Third Party You are claiming against for     benefit of this Policy.
your losses OR, if a fault accident by a
garage who are a member of the Vehicle

                                                                                           3
    Provider                                     The Hire Car must be returned to AVR
    AVR Ltd supply the Hire Car.                 Ltd or its designated agent no later than
    Albany Assistance Ltd who administer         48 hours after payment is issued to the
    claims.                                      Policyholder based on EUI Ltd’s total
                                                 loss valuation of their claim, should the
    Territorial Limits                           damage be covered under their Motor
    Great Britain, Northern Ireland,             Insurance Policy, OR issued by the Third
    Isle of Man and the Channel Islands          Party or Third Party insurers You are
    (for residents only).                        claiming against OR no later than the
    Third Party                                  14th day of hire (whichever comes first).
    The other person(s) and/or party(s)
                                                 3. How to Claim Your Hire Car
    responsible for the Insured Incident,
    excluding the Insured Person and/or          Following an Insured Incident, You must
    Policyholder (as defined in this Policy).    report it immediately to EUI Ltd and
                                                 to the Police if the Insured Vehicle
    Underwriters
                                                 was stolen.
    Admiral Insurance (Gibraltar) Limited,
    Suite 3G, Eurolife Building, 1 Coral Road,   Please only call the Claims Line on
    Gibraltar. Home State: Gibraltar.            0844 543 4400.
    We/Us/Our                                    EUI Ltd will advise AVR Ltd, who will
    Albany Assistance Ltd/AVR Ltd and/or         contact You to arrange the supply of
    the Underwriters.                            a Hire Car.

    2. What is Covered?                          4. Conditions
    n This insurance provides for a single       You should note that the following
       period of up to 14 days of continuous     conditions apply in all circumstances:
       car hire within the Territorial Limits    a. a security/fuel deposit is payable by
       following an Insured Incident during         You on collection of the Hire Car. This
       the Period of Insurance and within           is refundable upon its return provided
       those Territorial Limits                     it is free from damage and has the
    n A maximum of two claims in the                same amount of fuel as when collected
       Period of Insurance can be made           b. when taking possession of the Hire
    You may extend the hire by                      Car, the driver will need to produce
    contacting Albany Assistance Ltd                their full current driving licence and
    on 0800 085 8134 who will then                  personal identification, e.g. phone bill
    contact AVR Ltd to make arrangements.        c. You must have a valid Third Party Fire
    A discounted rate is available to EUI Ltd       and Theft motor insurance with EUI
    customers.                                      Ltd to take advantage of this cover




4
d. a Hire Car will be provided in           d. any further hire charges incurred after
   accordance with AVR Ltd or its agent’s      14 days, or more than 48 hours after
   standard requirements, terms and            payment is issued under the terms
   conditions                                  of the underlying motor policy for a
e. a Hire Car will be provided once            total loss or theft unrecovered
   confirmation is received from EUI Ltd       or received from the Third Party,
   OR (at the Insured Person’s expense)        whichever comes first
   faxed confirmation from a garage         e. any claim for theft which has not been
   who are a member of the VBRA, MVRA          reported to the Police
   or similar recognised body, that the     f. act of God, attempted theft, fire,
   insured vehicle is a total loss,            malicious damage or vandalism
   not before
                                            g. any claim reported to EUI Ltd more
f. if the Insured Vehicle has suffered         than 14 days after the Insured Incident
   theft damage or been stolen You
   must supply a Police crime reference     h. any claim for a Hire Car more than
   number before a Hire Car can                14 days after the Insured Vehicle
   be provided                                 has been determined a total loss

g. the Insured Person may have to           i. sea transit charges in the delivery
   provide Comprehensive insurance             and collection of the Hire Car
   for the Hire Car                         j. any claim arising out of a deliberate
We must draw Your attention to the             or criminal act or omission, which is
additional terms and conditions of AVR         found to the Provider’s satisfaction to
Ltd, which are held by EUI Ltd, and can        be of a fraudulent or false nature.
be viewed on request. They may affect          The Insured Person will be held
the provision of the Hire Car.                 responsible for any costs paid or
                                               incurred as a result
5. What is Not Covered?
                                            k. any excess payable in the event of a
The following are not covered under            claim involving the Hire Car
this insurance:
                                            l. any Insured Incident, which took place
a. all fuel, fares, fines and fees             outside the Period of Insurance
   relating to the Hire Car whilst
   in Your possession                       6. Notice to the
                                               Policyholder/Insured Person
b. any claim where the Insured Vehicle
   was being used for hire or reward        Subrogated Rights
                                            a. The Insured Person must take all
c. any claim where EUI Ltd do not              reasonable steps to mitigate the
   provide indemnity under the terms           costs of the claim
   of the underlying motor policy



                                                                                         5
    b. The Insured Person must pay to            Capital Tower, Greyfriars Road, Cardiff
       the Underwriters any sums by way          CF10 3AZ or call 0871 882 0000.
       of costs, charges or fees directly
       recovered from the Third Party to
                                                 How to Make a Complaint
       the extent of the sums indemnified        Any enquiry or complaint regarding
       under this Policy                         this policy should be addressed to:
                                                 The Quality Executive, EUI Limited,
    c. The Insured Person must take all
                                                 Capital Tower, Cardiff CF10 3AZ.
       action possible to recover any costs,
                                                 Tel: 0800 952 1300
       charges or fees the Underwriters
                                                 Email: quality@admiral.com.
       may have paid or be liable to pay
       and pay any such amounts recovered        If we have given you our final response
       to the Underwriters                       and you are still unhappy, or more
                                                 than 8 weeks have passed since we
    d. Upon conclusion of the hire of a
                                                 received your original complaint, you
       replacement car the Underwriters
                                                 may refer your complaint to the Financial
       can take over and if necessary
                                                 Ombudsman Service (FOS) at South Key
       conduct proceedings in the name
                                                 Plaza, 183 Marsh Wall, London, E14 9SR.
       of the Insured Person to recover the
                                                 Tel: 0845 080 1800.
       hire costs of the Hire Car from the
       Third Party                               Financial Services Compensation
    Governing Law and Language                   Scheme
                                                 EUI Ltd are covered by the Financial
    This insurance shall be subject to English
                                                 Services Compensation Scheme (FSCS).
    Law, unless specifically agreed to the
                                                 If EUI Ltd were unable to meet their
    contrary. All communication is to be
                                                 obligations You may be entitled to
    conducted in English.
                                                 compensation from the scheme,
    Cancellation Right                           depending on the type of insurance and
    You may cancel Your Policy within 14         circumstances of any claim. The first
    days of receipt of the Policy document       £2,000 of a claim or Policy is protected
    and receive a full refund, subject to no     in full and above this threshold 90%
    claim being made upon the Policy. After      of the rest of the claim can be met.
    this 14-day period, You can cancel the       Further information can be obtained
    Policy at any time, subject to no claim      from www.FSCS.org.uk
    having been made, by contacting EUI Ltd.     Admiral Insurance (Gibraltar) Limited is
    No refunds will be given. If You do not      licensed and regulated by the Gibraltar
    exercise Your right to cancel the Policy,    Financial Services Commission under
    it will continue in force for the term of    the Insurance Companies Act 1987 of
    the Policy and You will be required to       Gibraltar. Admiral Insurance (Gibraltar)
    pay the Premium. Please contact EUI Ltd,     Limited is a member of the FSCS. If



6
Admiral Insurance (Gibraltar) Limited is     EUI Limited and Albany Assistance
unable to meet their obligations to you      Limited are authorised and regulated by
under this contract you may be entitled      the Financial Services Authority. Admiral
to compensation from the FSCS. The first     Insurance (Gibraltar) Limited is licensed
£2,000 of a claim or policy is protected     and regulated by the Gibraltar Financial
in full. Above this threshold, 90% of the    Services Commission under the Insurance
rest of the claim or policy will be met.     Companies Act 1987 of Gibraltar.

Whole Agreement                              The Hire Car is provided by Albany
                                             Vehicle Rentals Ltd, Head Office,
Supplied by EUI Ltd (FSA Registration No
                                             Fleet House, Wilcock Road, Old Boston
309378), Capital Tower, Greyfriars Road,
                                             Trading Estate, Haydock, St Helens,
Cardiff CF10 3AZ, and is administered by
                                             Merseyside WA11 9SJ.
Albany Assistance Ltd (FSA Registration
No 312423), Redmond House, Fern Court,       For general advice about an incident
Bracken Hill Business Park, Peterlee,        or cover under this Policy please call
Co Durham SR8 2RR and is underwritten        0844 543 4400.
by Admiral Insurance (Gibraltar) Limited,
Suite 3G, Eurolife Building, 1 Coral Road,
Gibraltar.




                                                                                         7
                                            ADAN35 0509




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