Documents
Resources
Learning Center
Upload
Plans & pricing Sign in
Sign Out

BMW CAR INSURANCE

VIEWS: 11 PAGES: 24

									BMW CAR INSURANCE.
7 DAY COMPLIMENTARY BMW CAR INSURANCE
POLICY HANDBOOK.
         BMW 7 DAY COMPLIMENTARY INSURANCE.

         CONTACT US.
                                                             NEED TO MAKE A CLAIM?
                                                             0844 893 8800
         CUSTOMER SERVICES
         0844 854 1780                                       UK ACCIDENT RECOVERY
                                                             24 hour service
         LINES OPEN                                          0845 641 9773
         8am - 8pm Monday to Friday and 9am - 5pm Saturday
                                                             WINDSCREEN COVER
                                                             0844 847 8368
         EMAIL
         service@bmw-carinsurance.co.uk                      LEGAL ADVICE HELPLINE
                                                             0844 854 1781
         WRITE
         BMW Car Insurance                                   For more useful information on what to do if you have an
                                                             accident see ‘How to make a claim’ in your Policy.
         2530 The Quadrant
         Aztec West
         Almondsbury
         Bristol
         BS32 4AW

         OR VISIT US ONLINE AT
         www.bmw-carinsurance.co.uk
000001
         CONTENTS.


         BMW 7 Day Complimentary Insurance Cover at a glance. 2

         BMW 7 Day Complimentary Insurance Policy Summary.   5

         BMW 7 Day Complimentary Insurance Policy Wording.   7
            How to make a claim.                             8
            How to make a complaint.                         9

         BMW 7 Day Complimentary Insurance Cover.            10
            The Meaning of Words.                            10
            Liability to Others.                             11
            Damage (including Theft).                        13
            UK Accident Recovery.                            15
            Windscreen Cover.                                17

         General Exclusions.                                 18

         General Conditions.                                 19
000001




                                                                  BMW 7 Day Complimentary Insurance   1
BMW 7 DAY COMPLIMENTARY INSURANCE COVER
AT A GLANCE.
    YOUR 7 DAY COVER INCLUDES.

    Liability to Others:
    Cover required to comply with the relevant United Kingdom, Channel Islands, Isle of Man and European
    Union traffic laws to use Your car in the United Kingdom, Channel Islands, Isle of Man and Europe.
                                                                                                                                  P
    Damage (including Theft):
    Cover for Your car in the event of damage, malicious damage, fire or theft.                                                   P
    UK Accident Recovery:
    Provides roadside assistance within the United Kingdom, Channel Islands and Isle of Man to get you
    home and recovers Your car in the event of an accident.
                                                                                                                                  P
    Legal Advice Helpline:
    Telephone advice on any personal legal matter. The service is open 24 hours a day, for the Period of this insurance.          P
    Windscreen Cover:
    Includes all windows, sunroof and bodywork damaged by broken Glass.                                                           P

                                                                                                                                      NOT
    ADDITIONAL OPTIONS YOU HAVE CHOSEN.                                                                                    INCLUDED
                                                                                                                                      INCLUDED

    Driving Other Cars:
    Third Party Only cover while driving a car that is not owned or hired by you. Subject to eligibility.                                O
    Car Contents:
    Cover for clothing and personal effects while in Your car or in a luggage trailer or roof box.                                       O
    Foreign Travel:
    Cover for damage to Your car while you are using it abroad.                                                                          O
    Personal Accident:
    Pays a fixed sum to you and any passengers if killed or injured in an accident involving Your car.                                   O
    Roof Box and Trailers:
    Up to £1,000 to cover your trailer and/or roof box while attached to or detached from Your car.                                      O
    Car Hire:
    Provides a BMW 1 Series or equivalent hire car for a period of 4 days if Your car is declared a total loss.                          O
    No Claims Discount Protection:
    Allows you to make one fault claim on your Policy per insurance year without losing your no
    claims discount.
                                                                                                                                         O
    Legal Expenses:
    Up to £100,000 towards the cost of legal action if you or anyone covered under your Policy suffers
    loss, damage or injury as a result of an accident involving Your car.
                                                                                                                                         O
    Paper Documents:
    Receive a paper copy of your Policy documents.                                                                                       O



    CALL 0844 854 1780 FOR MORE INFORMATION.




2        BMW 7 Day Complimentary Insurance
HOW YOUR DATA WILL BE USED.

Allianz Insurance plc and other companies within the Allianz Group        The BMW group may also disclose your information to authorised
may use personal details you give in order to provide you with a          BMW Dealers and other carefully selected partners so they may let
quotation, deal with your Policy, or support the development of our       you know about other appropriate products or services which they
business by including your home and motor details in customer             feel may be of interest to you. The BMW group will not sell your
surveys. This could include searching the files of credit reference       information to third parties.
agencies, who may keep a record of the search. We may contact
                                                                          If you would prefer not to receive information about such products
you and ask necessary questions. We will store your details on
                                                                          and services please tell us when you next call, or write to BMW
computer but will not keep them for longer than necessary. Under
                                                                          Financial Services, Europa House, Bartley Way, Hook, Hampshire,
the terms of the Data Protection Act you are entitled to a copy of
                                                                          RG27 9UF.
any information we hold about you (you may incur a nominal fee).
Telephone calls between you and us may be monitored and                   Your personal details may be transferred to countries outside the
recorded.                                                                 European Union. They will at all times be held securely and
                                                                          handled with the utmost care in accordance with all principles of
Under the Data Protection Act we can only discuss the details of
                                                                          English law.
your Policy with you. If you would like anyone else to act on your
behalf, please ring 0844 854 1780 and let us know.
BMW Financial Services (GB) Ltd and the BMW group of
companies will use your personal details to:
•   confirm, update and improve their customer records;
•   analyse and develop their relationships with you;
•   help in processing any applications you may make;
•   identify and market products and services that may
    be of interest to you either directly or via Allianz Insurance plc;
•   carry out statistical analyses.


MOTOR INSURANCE DATABASE.

Information relating to your insurance Policy will be added to the        If you are involved in a road traffic accident (either in the UK, the
Motor Insurance Database ("MID") managed by the Motor                     EEA or certain other territories), insurers and/or the MIB may
Insurers’ Bureau ("MIB"). MID and the data stored on it may be            search the MID to obtain relevant information. Persons (including
used by certain statutory and/or authorised bodies including the          his or her appointed representatives) pursuing a claim in respect of
police, the DVLA, the DVLANI, the Insurance Fraud Bureau and              a road traffic accident (including citizens of other countries) may
other bodies permitted by law for purposes not limited to but             also obtain relevant information which is held on the MID.
including:
                                                                          It is vital that the MID holds your correct registration number. If it is
I. Electronic Licensing;                                                  incorrectly shown on the MID you are at risk of having your vehicle
II. Continuous Insurance Enforcement;                                     seized by the police.
III. Law enforcement (prevention, detection, apprehension and/or
                                                                          You can check that your correct registration number details are
     prosecution of offenders);
                                                                          shown on the MID at www.askmid.com.
IV. The provision of government services and/or other services
     aimed at reducing the level and incidence of uninsured driving.




                                                                                                  BMW 7 Day Complimentary Insurance               3
FRAUD PREVENTION, DETECTION AND CLAIMS HISTORY.

In order to detect or prevent fraud we may at any time:                   Please contact us on 0844 854 1780 if you want to receive details
                                                                          of the relevant fraud prevention agencies.
•   share information about you with other members of the
    Allianz Group;                                                        We and other organisations may access and use information
                                                                          recorded by fraud prevention agencies from other countries.
•   pass your details to Insurance Hunter, a central insurance
    application and claims checking system, whereby it may be             Insurers pass information to the Claims & Underwriting Exchange
    checked against information held by Insurance Hunter and              register, run by Insurance Database Services Ltd (IDS Ltd). The
    shared with other insurers;                                           aim is to help us check information provided and also to prevent
                                                                          fraudulent claims. We may at any time search the register
•   check your details with fraud prevention agencies. If you give
                                                                          including when dealing with your request for insurance. Under the
    us false or inaccurate information and we suspect fraud we will
                                                                          conditions of your Policy you must tell us about an incident (such
    record this and share it with other agencies.
                                                                          as a fire or a theft) which may or may not give rise to a claim. When
If false or inaccurate information is provided and fraud is identified,   you tell us about an incident we will pass information relating to it
details will be passed to fraud prevention agencies. Law                  to the database. We can supply more information on the database
enforcement agencies may access and use this information.                 if you request it. You should show this notice to anyone who has
                                                                          an interest in property insured under this Policy.
We and other organisations may also access and use this
information to prevent fraud and money laundering, for example,           Allianz Insurance plc may seek information from other insurers and
when:                                                                     information agencies to check the information you may have
                                                                          supplied and Allianz Insurance plc may provide the information you
•   checking details on applications for credit and credit related or
                                                                          have supplied to other insurers for the same purpose.
    other facilities;
•   managing credit and credit related accounts or facilities;
•   recovering debt;
•   checking details on proposals and claims for all types
    of insurance;
•   checking details of job applicants and employees.


SHARING INFORMATION WITH THE POLICE.

We may ask you or anyone covered under the Policy to give                 We will only ask for information from the police (or other similar
written agreement for us to obtain from or exchange specified             bodies) or provide them with information without your or any
information and material with the police. The purpose of these            covered person’s agreement if we are required to do so. Any
measures is to help verify claims and to guard against fraud. If you,     request will comply with section 29 of the Data Protection Act
or a covered person, provide written agreement, you or the                1998 or any subsequent legislation.
covered person will be given the opportunity to receive a copy of
the information and material the police release to us. Should you or
any covered person not provide written agreement, we will not pay
your claim and we will cancel the Policy. We will not release
information or material about a covered person to you without their
agreement.




4     BMW 7 Day Complimentary Insurance
BMW 7 DAY COMPLIMENTARY INSURANCE
POLICY SUMMARY.
This is a Policy Summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract
between you and us. Full terms can be found in the Policy Wording, which is contained within this document.



WHO PROVIDES THE COVER?                                               HOW DO I MAKE A COMPLAINT?
Allianz Insurance plc.                                                If you have a complaint please contact our Customer Satisfaction
                                                                      Manager at:

HOW LONG DOES THE COVER LAST?                                         BMW Car Insurance
The Policy will last for 7 days.                                      2530 The Quadrant
                                                                      Aztec West
                                                                      Almondsbury
WHAT IS COVERED?                                                      Bristol
Cover is comprehensive. You are covered for damage to Your car        BS32 4AW
as well as injury or damage you cause to others.
Subject to acceptance criteria, you can take out a Policy as          Alternatively phone: 0844 854 1780
long as:                                                              Email: customersatisfaction@bmw-carinsurance.co.uk
•   you are aged over 17;                                             If we are unable to resolve the problem, we will provide you with
•   you live permanently in the United Kingdom, the Channel           information about the Financial Ombudsman Service. Full details
    Islands or the Isle of Man;                                       of our complaints procedure can be found in the Policy Wording.
•   Your car is taxed, registered and kept in the United              Using our complaints procedure or referral to the Financial
    Kingdom, the Channel Islands or the Isle of Man and where         Ombudsman Service does not affect your legal rights.
    required must have a current Department of Transport test
    certificate (MOT).
                                                                      WOULD I RECEIVE COMPENSATION IF ALLIANZ INSURANCE
                                                                      PLC WERE UNABLE TO MEET ITS LIABILITIES?
HOW TO MAKE A CLAIM?                                                  In the event that Allianz Insurance plc are unable to meet their
For accidents in the United Kingdom, the Channel Islands or the       liabilities you may be entitled to compensation from the Financial
Isle of Man:                                                          Services Compensation Scheme. Further details are in the Policy
Call 0844 893 8800                                                    Wording section of this document.

This Policy does not provide any accident recovery for incidents
outside of the United Kingdom, the Channel Islands or the Isle of
Man.




                                                                                                              CONTINUED OVERLEAF

                                                                                            BMW 7 Day Complimentary Insurance             5
BMW 7 DAY COMPLIMENTARY INSURANCE
POLICY SUMMARY.                                     CONTINUED



Your Policy contains the following significant or unusual exclusions and limitations. For the full explanation of terms please refer to the
section of the Policy document indicated. There may be other exclusions in the Policy that are significant to you so please ensure that
you read the Policy booklet and any documentation sent with it carefully.



BMW 7 DAY COMPLIMENTARY INSURANCE COVER.

    SECTION                          SIGNIFICANT OR UNUSUAL EXCLUSIONS AND LIMITATIONS

    Liability to Others:             Driving Other Cars is not covered.

                                     This section provides the minimum cover needed to use Your car abroad.

    Damage (including Theft):        Excesses:
                                     You will have to pay the first £500 of any claim excluding claims for windscreen and replacement locks.

                                     Theft or attempted theft of Your car is excluded if it is unoccupied at the time of the theft, unless Your car is
                                     locked and the ignition key or other removable ignition device removed.

                                     Cover is limited to £1,000 for loss or damage to audio/visual and other in-car entertainment that is not
                                     manufacturer fitted or fitted to Your car by an Authorised Dealer.

                                     Hire Car:
                                     If Your car can be repaired by one of our approved repairers we will arrange and pay for a hire car whilst Your
                                     car is being repaired. We will make all the delivery arrangements and also insure the hire car to the same
                                     extent as Your car. The hire car provided will be a small hatchback.
                                     We will not supply a hire car if Your car has been stolen and not recovered or has been damaged beyond
                                     economic repair.

    UK Accident Recovery:            This section provides cover for recovery of Your car following an accident, fire, theft or act of vandalism.

    Legal Advice Helpline:           You can ring our legal advice line, to get advice on any personal legal matter. The service is available 24 hours
                                     a day, for the Period of this insurance. We may record the calls for your and our mutual protection and our
                                     training purposes. Advice is only available over the telephone and will always be in accordance with the laws
                                     of the United Kingdom.

    Windscreen Cover:                Cover for windscreens, other fixed Glass in Your car including sunroof and bodywork scratched as a direct
                                     result of a broken windscreen, window or sunroof.
                                     You will have to pay an Excess of £75 for claims in respect of Glass replacements.
                                     Claims under this section do not affect your no claims discount.




6       BMW 7 Day Complimentary Insurance
BMW 7 DAY COMPLIMENTARY INSURANCE
POLICY WORDING.




AN EXPLANATION OF YOUR POLICY WORDING.

This is your BMW 7 Day Complimentary Insurance Policy. It is             You must tell us immediately if you sell or replace the car insured
made up of several parts which must be read together as they             by this Policy. The Cover Note we have issued with this Policy only
form part of your contract. The basis of this contract is the            applies to Your car as described by its registration number.
information which you have supplied and/or the statement of facts
including the declaration which you have checked to your                 We will insure you under the conditions of your Policy for any
satisfaction. Please take time to read all parts of the Policy to make   insured event which takes place during the Period of insurance
sure that they meet your needs and that you understand the               within the Territorial limits.
terms, exclusions and conditions. If you wish to change anything or
if there is anything that you do not understand, please let us know.

The parts of the Policy are:
•   this explanation, the General Exclusions and General
                                                                         Signed on behalf of Allianz Insurance plc
    Conditions, which apply to all sections of the Policy unless
                                                                         Andrew Torrance
    otherwise stated;
•   Cover Note.




                                                                                               BMW 7 Day Complimentary Insurance          7
HOW TO MAKE A CLAIM.

IF YOU HAVE AN ACCIDENT:                                                 WINDSCREEN AND GLASS CLAIMS.
1. Always stop and make sure you and your passengers are safe;           If your windscreen or other Glass in Your car has been damaged
                                                                         call our windscreen supplier, Autoglass on 0844 847 8368 (lines
2. If anyone is injured or the accident is blocking the road, call the   are open 24 hours a day, 7 days a week).
   emergency services;
                                                                         If your windscreen or Glass is replaced you will have to pay the
3. If you think Your car is unsafe to drive, call our claims             Excess shown in the windscreen section of your Schedule.
   department on 0844 893 8800 (lines are open 24 hours a day,
   7 days a week) who will take details of your claim. They will
   also put you in touch with our accident recovery service who          LEGAL ADVICE HELPLINE.
   will arrange for you and your passengers to be taken home or          Your Policy includes access to telephone legal advice 24 hours a
   to your original destination, and Your car to be transported to       day, for the Period of this insurance on any personal legal matter,
   the nearest approved repairer or garage of your choice;               whether you have a claim or not. We may record the calls for your
                                                                         and our mutual protection. The advice you get will always be
4. Do not accept blame or admit liability for the accident;              according to the laws of the United Kingdom.

5. Obtain the following details and advise us of them as soon as         Legal Advice Helpline: 0844 854 1781
   you can:
   • the registration number of any other vehicle involved in the        When you call for advice please confirm that you are a BMW 7 Day
      accident together with the name and address of the driver;         Complimentary Insurance policyholder. You will then be asked for
   • name, address and insurance details of any driver who you           a brief summary of the problem and these details will be passed on
      think is responsible for causing the accident. Under the           to an adviser who will return your call.
      terms of the Road Traffic Act 1988 you must also provide
      the same details to anyone who holds you responsible;
   • obtain the names and addresses of anyone who witnessed              FINANCIAL SERVICES COMPENSATION SCHEME.
      the accident.                                                      If Allianz Insurance plc is unable to meet its liabilities, you may be
                                                                         entitled to compensation under the Financial Services
In providing accident recovery assistance we will use our                Compensation Scheme. Further information about compensation
reasonable care and skill when providing the service. This will          scheme arrangements is available at www.fscs.org.uk, or by
include liaising closely with local authorities and emergency            emailing enquiries@fscs.org or by phoning the FSCS on
services in adverse weather conditions to ensure the accident            0800 678 1100 or 0207 741 4100.
recovery service can be provided when it is safe to do so.


THE BENEFITS OF USING THE BMW APPROVED REPAIRER
NETWORK ARE:
•   You will not need to obtain estimates;

•   You will be provided with the use of a temporary vehicle while
    Your car is being repaired. The type of vehicle provided will be
    a small hatchback;

•   The bill will be settled directly with them. You will need to pay
    the Excess and any other amount that you will have been told
    about in advance;

•   You can arrange for Your car to be collected from your home or
    place of work and they will also deliver it back;

•   All the approved repairers use the Retail Motor Industry
    Federation (RMI) quality control standard and their work is
    guaranteed for five years;

•   Your car will be washed and cleaned before it is returned
    to you.




8     BMW 7 Day Complimentary Insurance
HOW TO MAKE A COMPLAINT.

Our aim is to get it right, first time, every time. If we make a
mistake we will try to put it right promptly.

We will always confirm to you the receipt of your complaint within
5 working days and do our best to resolve the problem within 4
weeks. If we cannot we will let you know when an answer can be
expected.

If we have not resolved the situation within 8 weeks we will provide
you with information about the Financial Ombudsman Service.

If you have a complaint please contact our Customer Satisfaction
Manager at:

BMW Car Insurance
2530 The Quadrant
Aztec West
Almondsbury
Bristol
BS32 4AW.
Phone: 0844 854 1780
Email: customersatisfaction@bmw-carinsurance.co.uk

Using our complaints procedure or referral to the Financial
Ombudsman Service does not affect your legal rights.




                                                                       BMW 7 Day Complimentary Insurance   9
BMW 7 DAY COMPLIMENTARY
INSURANCE COVER.
THE MEANING OF WORDS.

Any word or expression within the Policy which has a specific meaning has the same meaning throughout the Policy wherever it
appears (as shown below) unless otherwise stated.



 Authorised Dealer – an authorised BMW Dealer or BMW                Period of insurance – the period you are covered for as
 Service Authorised Workshop.                                       shown on your Cover Note.

 Cover Note – the document issued by us showing that the            Policy – the contract of insurance between you and us.
 Policy provides the cover you need to comply with the relevant
 United Kingdom, Channel Islands, Isle of Man and European          Territorial limits – the United Kingdom, the Channel Islands
 traffic laws. It shows who is entitled to drive Your car and the   and the Isle of Man.
 purposes for which Your car can be used.
                                                                    We, us, our, Allianz – Allianz Insurance plc.
 Excess – the amount you will have to pay if you make a claim
 regardless of who was to blame. The Excess amounts are             You, your – the policyholder named on the Cover Note.
 shown in this Policy but other additional Excesses may be
 shown on your Cover Note.                                          Your car – the car described by its registration number on
                                                                    your Cover Note plus its accessories including children’s car
 Glass – any Glass in the windscreen, windows, sunroof of           seats and permanently fitted audio/visual, multi media,
 Your car.                                                          navigational, communication or personal computer
                                                                    equipment, provided it is operated exclusively by Your car’s
 Market value – the cost of replacing Your car at the time of       electrical system.
 the loss or damage taking into account its make, model, age,
 mileage and circumstances of purchase by you. This will not
 exceed the estimate last supplied by you.




10    BMW 7 Day Complimentary Insurance
BMW 7 DAY COMPLIMENTARY
INSURANCE COVER.                                     CONTINUED



LIABILITY TO OTHERS.

For the purposes of this section only the Territorial limits is defined as – the United Kingdom, the Channel Islands, the Isle of Man,
Andorra, Austria, Belgium, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece,
Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, the
Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City.



 WHAT IS COVERED                                                         WHAT IS NOT COVERED

 1. Cover we provide for you.                                            We will not cover:
    We will pay all the amounts you legally have to pay as a
    result of driving or using Your car and any trailer, caravan or      Liability for causing the death of or injury to any employee in
    vehicle being towed by it if you:                                    the course of their employment by anyone insured by this
    • cause the accidental death of or bodily injury to                  Policy unless cover is compulsory under motor insurance
        any person;                                                      legislation in force within the Territorial limits of this Policy.
    • cause accidental damage to anyone’s property.
    In respect of accidental damage to property we will not pay          Loss of or damage to Your car unless covered by another
    any more than £20 million including all costs (or any higher         section of this Policy.
    limit provided for by local legislation in territories outside
    the United Kingdom but within the Territorial limits) for            Liability for loss of or damage to property which belongs to or
    any one occurrence or series of occurrences arising from             is held in trust by you or is in your care, custody or control
    one cause.                                                           under this section of the Policy.

 2. Cover we provide for other people.                                   Liability for loss of or damage to property which belongs to, is
    We will provide the same cover as we provide in section 1            held in trust by or is in the care, custody or control of anyone
    above to the following people:                                       you allow to drive Your car and who is entitled to drive by your
    • anyone you allow to drive or use Your car as long as               current Cover Note.
       they are entitled to drive by your current Cover Note;
    • anyone travelling in, getting into or out of Your car;             Liability incurred by anyone who is covered under any
    • the employer of anyone you allow to drive or use Your              other Policy.
       car as long as they are entitled to drive by your current
       Cover Note.                                                       Liability caused by using Your car on any part of an aerodrome,
                                                                         airport, airfield, or military base where aircraft can go.
 3. Cover we provide for your legally
    appointed representatives.                                           Loss, damage or legal liability shown in the general exclusions.
    After the death of anyone who is insured under this Policy,
    we will protect that person’s estate against any liability they      Loss or damage to any trailer, caravan or vehicle being towed
    had if we insure that liability under this Policy.                   by Your car.

 4. Legal fees and expenses.                                             Liability arising from loading or unloading any livestock being
    If there is an accident insured under this Policy, we will,          carried in a trailer whether attached or detached.
    subject to our consent and written agreement, arrange and
    pay for:                                                             Damage to Your car whilst Your car is being driven outside the
    • a solicitor or barrister to represent anyone insured               United Kingdom, the Channel Islands or the Isle of Man.
         under this Policy at a coroner’s inquest or court of
         summary jurisdiction;
    • defending anyone insured under this Policy if they are
         charged with manslaughter or causing death by
         careless, reckless or dangerous driving.




                                                                                                                   CONTINUED OVERLEAF

                                                                                               BMW 7 Day Complimentary Insurance              11
BMW 7 DAY COMPLIMENTARY
INSURANCE COVER.                                      CONTINUED



LIABILITY TO OTHERS. CONTINUED


 WHAT IS COVERED                                                      WHAT IS NOT COVERED

 5. Emergency medical treatment.
    If there is an accident insured by this Policy, we will pay for
    emergency medical treatment which must be provided
    under compulsory motor insurance legislation in force
    within the Territorial limits of this Policy.

 6. Foreign travel.
    This section provides the minimum cover you need by law
    to use Your car in the Territorial limits stated.




12   BMW 7 Day Complimentary Insurance
BMW 7 DAY COMPLIMENTARY
INSURANCE COVER.                                      CONTINUED



DAMAGE (INCLUDING THEFT).


 WHAT IS COVERED                                                       WHAT IS NOT COVERED

 1. Damage to Your car.                                                We will not cover:
    In the event of loss or damage to Your car we will:
    • pay for the damage to be repaired, up to the Market              Loss or damage to Your car following theft or attempted theft,
        value of Your car; or                                          if at the time of the loss or damage Your car was unoccupied
    • replace any parts damaged if this is more cost effective         with the ignition key or other removable ignition device in or on
        – we will use original BMW parts; or                           Your car.
    • settle your claim by making full and final payment which
        will not exceed the Market value of Your car.                  Loss or damage to Your car resulting from fraud or deception
                                                                       or by using a counterfeit or other form or payment which a
 2. Lease hire or hire purchase.                                       bank or building society will not authorise.
    If you have hired or purchased Your car under a lease hire
    or hire purchase agreement, we may be required to make             Any amount over £1,000 in respect of audio/visual,
    our payment to the owners. In that event our payment will          communication, navigational or in-car entertainment unless it is
    be full and final settlement of our liability under this section   standard equipment for Your car when built or fitted by an
    of your Policy.                                                    Authorised Dealer. Such equipment must be permanently and
                                                                       securely fitted to Your car and operated solely via Your car’s
 3. Replacement locks.                                                 electrical system.
    If the keys, transmitter, or immobiliser key for Your car are
    lost or stolen, we will pay the cost of changing the locks as      You will have to pay the first £500 of any claim. The Excess will
    long as you report the loss to the police within 24 hours of       not apply if your claim is solely for the replacement of locks
    discovering it. We will pay up to £1,000.                          following the loss of your keys.

 4. Replacement car.                                                   Wear and tear, mechanical, electrical, electronic, or computer
    If Your car is:                                                    failures, breakdowns or breakages.
    • stolen and not recovered; or
    • damaged to the extent that the cost of repair is                 Damage to tyres caused by braking, punctures, cuts or bursts.
        more that 50% of the United Kingdom list price
        (including VAT) of an identical new car at the time of         Loss of value following repairs to Your car.
        loss or damage;
                                                                       Loss or use of Your car or other indirect loss.
    we will, at your request, replace Your car with a new one of
    the same make, model and specification.                            Loss or damage arising from confiscation, requisition, or
                                                                       destruction of Your car by or under order of any government,
    We will only do this if:                                           public or local authority.
    • you have owned the car (or you have hired it under a
      lease or hire purchase agreement) since it was first             Any damage caused deliberately by you or anyone else insured
      registered as new;                                               under this Policy.
    • Your car is a United Kingdom specification model,
      bought from a BMW Authorised Dealer in the United
      Kingdom;
    • we have your permission (or the hire purchase
      company’s permission) to replace Your car; and
    • the loss or damage occurs before Your car is more than
      one year old and the model is still available from a
      BMW Authorised Dealer in the United Kingdom.

    If not, we will settle your claim by paying you the equivalent
    cost of replacing Your car with one of the same make,
    model and specification.




                                                                                                               CONTINUED OVERLEAF

                                                                                            BMW 7 Day Complimentary Insurance           13
BMW 7 DAY COMPLIMENTARY
INSURANCE COVER.                                     CONTINUED



DAMAGE (INCLUDING THEFT). CONTINUED


 WHAT IS COVERED                                                      WHAT IS NOT COVERED

 5. Unavailable parts.
    If any part or accessory is not available, the most we will
    pay is the cost shown in the manufacturer’s last United
    Kingdom list price plus a reasonable fitting cost.

     If the part is not listed in the manufacturer’s last United
     Kingdom list price, we will pay the cost of an equivalent part
     listed plus a reasonable fitting cost.

 6. Salvage.
    If we settle your claim by replacing Your car or paying you
    the Market value, Your car will become our property.

     If Your car has a personalised registration, you may retain
     this subject to DVLA rules and regulations.

 7. Hire Car.
    If Your car can be repaired by one of our approved
    repairers, we will arrange and pay for a hire car whilst Your
    car is being repaired. We will make all the delivery
    arrangements and also insure the hire car to the same
    extent as Your car. The hire car provided will be a small
    hatchback.

     We will not supply a hire car if Your car has been stolen and
     not recovered or has been damaged beyond economic
     repair.




14   BMW 7 Day Complimentary Insurance
BMW 7 DAY COMPLIMENTARY
INSURANCE COVER.                                     CONTINUED



UK ACCIDENT RECOVERY.

This section of your Policy explains your cover, terms and conditions and the procedures you must follow should you require assistance
after an accident. It does not provide any cover in respect of breakdown of Your car.

Our UK Accident Recovery service is designed to provide comprehensive assistance to you after an accident.

For the purposes of this section only the words below have the following meaning throughout this section.

Insured person(s) means the policyholder named on the Schedule and any other person who at the time of the insured incident is
driving or is a passenger in Your car and is not a hitch-hiker.

Insured incident means the immobilisation of Your car as a result of an accident, fire, theft, attempted theft or act of vandalism.



 WHAT IS COVERED IN THE UNITED KINGDOM,                                  WHAT IS NOT COVERED
 THE CHANNEL ISLANDS AND THE ISLE OF MAN

 1. UK Accident Recovery and onward travel.                              We will not provide cover for the following:
    We will pay the cost of protecting and removing Your car to
    the nearest repairer. We will take Your car and up to six            In respect of replacement driver:
    insured persons to your destination in the Territorial limit         • any costs you would normally have to pay, such as petrol
    after an insured incident. As part of the same journey Your              and toll charges.
    car may be taken to our nearest repairer or to another of
    your choice within 10 miles.                                         In respect of emergency accommodation:
                                                                         • any incident that occurs within 50 miles of your home or
     If you do not wish Your car to be taken to a suitable                   the final destination;
     repairer, we will arrange and pay for the transportation of         • accommodation in a hospital;
     Your car and up to six insured persons to your home                 • accommodation of pets in a veterinary hospital or
     address or your original destination.                                   similar establishment.

     We will also pay the cost of delivering Your car back to you
     (at your home in the United Kingdom, the Channel Islands
     or the Isle of Man) after it has been repaired.

     You and your passengers must be with Your car when the
     repair or recovery vehicle arrives, unless you have made
     other arrangements with us.

 2. Replacement driver.
    If you or any person entitled to drive under your Cover Note
    cannot drive because of an illness or injury within the
    Territorial limits and within the Period of insurance, we can
    arrange and pay for a replacement driver to take Your car
    and up to six insured persons to your destination within the
    Territorial limit. We will need to see all medical and other
    evidence. We will not cover any costs that you would have
    paid in continuing your trip or returning home.

 3. Message service.
    We can relay up to three telephone messages to family
    members, friends or business associates of yours to advise
    of the unforeseen travel delays within the Territorial limits
    and within the Period of insurance.




                                                                                                                 CONTINUED OVERLEAF

                                                                                              BMW 7 Day Complimentary Insurance       15
BMW 7 DAY COMPLIMENTARY
INSURANCE COVER.                                  CONTINUED



UK ACCIDENT RECOVERY. CONTINUED


 WHAT IS COVERED IN THE UNITED KINGDOM,                           WHAT IS NOT COVERED
 THE CHANNEL ISLANDS AND THE ISLE OF MAN

 4. Emergency overnight accommodation
    and travel expenses.
    Following an insured accident where you are unable to use
    our accident recovery service to transport the person(s) or
    pet(s) being carried to the intended destination due to:
    • hospitalisation of any person in Your car; or
    • your domestic dog(s) and/or cat(s) needing veterinary
        care; or
    • any person in Your car being required to help the police
        with their enquiries.

     We will pay for:
     • emergency overnight accommodation;
     • travel expenses for any person or pet being carried in
       Your car.

     We will pay up to £250.




16   BMW 7 Day Complimentary Insurance
BMW 7 DAY COMPLIMENTARY
INSURANCE COVER.                                    CONTINUED



WINDSCREEN COVER.


WHAT IS COVERED                                                     WHAT IS NOT COVERED

If the Glass in Your car is damaged we will pay for its             You will have to pay the windscreen Excess shown in your
replacement or repair. We will also pay for repairs to Your car’s   Schedule if the Glass is replaced. If the Glass is repaired then
bodywork scratched by broken Glass.                                 you will not have to pay this Excess.

Providing there is no other damage and no claim is made             Damage to lights or reflectors and damage caused by their
under any other section of the Policy any claim for payment for     breakage.
Glass replacement or repair under this section will not affect
your no claims discount.                                            Any damage deliberately caused by you or anyone else insured
                                                                    under this Policy.




                                                                                         BMW 7 Day Complimentary Insurance             17
GENERAL EXCLUSIONS.

THESE EXCLUSIONS APPLY TO EACH AND EVERY SECTION OF THIS POLICY.

This Policy does not cover the following unless we have to provide cover under motor insurance legislation in force within the Territorial
limits of this Policy.


1. Geographical limits.                                               6. Riot.
   Any loss, damage or liability if you do not live permanently in       Loss, damage or liability caused by riot or civil commotion
   and Your car is not taxed and registered in the United                outside Great Britain, the Channel Islands or the Isle of Man.
   Kingdom, the Channel Islands or the Isle of Man.
                                                                      7. Earthquake and underground fire.
2. War.                                                                  Loss, damage, injury or liability caused by earthquake or
   Loss, damage, liability, death or injury caused directly or           underground fire.
   indirectly by war, revolution or other similar event.
                                                                      8. Contracts.
3. Terrorism.                                                            Loss, damage or liability as a result of any agreement or
   Loss, damage, cost or expense of whatever nature directly or          contract that you have entered into.
   indirectly caused by, resulting from or in connection with any
   act of terrorism regardless of any other cause or event            9. Drivers and use of Your car.
   contributing at the same time or in any other sequence to             Loss, damage or liability while Your car is being:
   the loss.                                                             • driven by anyone who is not named in the persons
                                                                             entitled to drive section of your current Cover Note;
     For the purpose of this exception an act of terrorism means:        • used for a purpose not shown on or excluded on your
     • the use, or threatened use, of biological, chemical and/or            Cover Note;
         nuclear force by any person or group of people whether          • driven by someone who does not hold, or is disqualified
         acting alone or on behalf of or in connection with any              from holding or obtaining, a licence to drive Your car;
         organisation(s) or government(s) committed for political,       • driven by anyone who has not kept to the conditions of
         religious, ideological or similar purposes including the            their licence.
         intention to influence any government and/or to put the
         public or any section of the public in fear;                     This exclusion does not apply to:
     • any act deemed by the United Kingdom government to                 • claims under the Damage section of your Policy while
         be an act of terrorism.                                              Your car is being used without your authority;
                                                                          • cover provided to you under the Liability to Others section
4. Radioactive contamination.                                                 while Your car is being used without your authority or by a
   Loss, damage, liability, death or injury caused directly or                motor trader for servicing or repair.
   indirectly by:
   • ionising radiation or contamination by radioactivity from        10. Competition and performance driving.
        any nuclear fuel, or from any nuclear waste from burning          We will not cover loss, damage, injury or liability arising while
        nuclear fuel; or                                                  Your car is being used for racing, rallying, speed testing, speed
   • the radioactive, toxic, explosive or other dangerous                 trials or whilst driven on a motor sport circuit.
        properties of any explosive nuclear machinery or any part
        of it.

5. Pollution or contamination.
   Loss, damage or liability caused by pollution or contamination
   unless the pollution or contamination is caused by a sudden
   identifiable unexpected and accidental incident which
   happens during the Period of insurance.




18    BMW 7 Day Complimentary Insurance
GENERAL CONDITIONS.

THESE CONDITIONS APPLY TO ALL SECTIONS OF THIS POLICY.


1. Reasonable precautions.                                          6. Fraud.
   You must do all you reasonably can to protect Your car from         If you, or anyone acting on your behalf, makes a claim which is
   damage or theft and keep it in a good and roadworthy                in any way false or fraudulent, or supports a claim with any
   condition. You must let one of our authorised representatives       false or fraudulent statement or documents, including inflating
   inspect Your car at any reasonable time.                            or exaggerating a claim, you will lose all benefit for this Policy.
                                                                       We may also recover any sums that we have already paid
2. Claims.                                                             under the Policy.
   In the event of a claim:
   • you must not admit fault or liability or pay/offer or            If you fraudulently provide us with false information,
        agree to pay any money or settle any claim without            statements or documents, we will record this on anti-fraud
        our permission;                                               databases and may also notify other organisations. Please see
   • phone our claims department on 0844 893 8800                     the Data Protection notices at the beginning of this Policy.
        (0844 847 8368 for Windscreen claims);
   • you must tell us as soon as reasonably possible about any 7. Arbitration.
        claim or incident that may lead to a claim and give us any    If we accept your claim but you do not agree with the amount
        information we may need without delay;                        we will pay you, we will refer the matter to an arbitrator chosen
   • you must co-operate with us at all times.                        by you and us. You cannot take any action against us until you
                                                                      and we have received the arbitrator’s final decision.
   We can, in your name:
   • take over, defend and settle a claim; and                     8. Changing your details.
   • take proceedings at our own expense and for our own              You must tell us immediately about any changes that may
        benefit to recover any payment we have made under             affect your Policy cover. Here are some of the changes you
        this Policy.                                                  must tell us about:
                                                                      • you changing Your car;
3. Keeping to the terms of this Policy.                               • changes you make to Your car that make it different from
   We will only give you the cover described in this Policy if:            the manufacturer’s standard United Kingdom
   • any person claiming has met all the conditions as far as              specification;
        they apply;                                                   • you want to use Your car for a purpose not permitted on
   • any declarations made and information given to us                     your Cover Note;
        verbally, electronically or in writing and in the personal    • you become aware of a medical or physical condition of
        details section of this Policy are complete and correct as         any driver which may affect their ability to drive;
        far as you know.                                              • you, or any other driver covered by your Policy, are
                                                                           convicted of a criminal or motoring offence including fixed
4. Other insurances.                                                       penalty offences;
   We will not make any payment if there is cover under any           • you change your address or where you normally keep
   other insurance.                                                        Your car;
                                                                      • you or any driver covered under this Policy change
5. Compulsory insurance.                                                   occupation including any part-time work;
   If the law of any country in which this Policy covers you says     • you want someone to drive Your car who is not insured
   that we must pay a claim which we would not otherwise have              under this Policy.
   paid, we are entitled to recover any such payments made from
   you.                                                               This is not a complete list and you should contact us if you are
                                                                      unsure whether a change of circumstances may affect your
                                                                      Policy.




                                                                                                              CONTINUED OVERLEAF

                                                                                           BMW 7 Day Complimentary Insurance           19
GENERAL CONDITIONS.                                           CONTINUED




9. Rights of parties.
   A person or company who was not a party to this Policy has
   no right under the Contracts (Rights of Third Parties) Act
   1999 to enforce any term of this Policy. This does not affect
   any right or remedy of a third party which exists or is available
   apart from that Act.

10. Choice of law.
    Unless we agree otherwise:
    a) the language of the Policy and all communications
        relating to it will be in English;
    b) all aspects of this Policy including negotiation and
        performance are subject to English law and the decisions
        of English courts.

11. Information and declarations.
    We will only give you the cover described in this Policy if the
    information and declarations you have supplied to us:
    • orally;
    • electronically;
    • in writing;
     at our request are complete and correct to the best of your
     knowledge.

12. Tax and registration.
    Your car must be taxed and registered in the United Kingdom,
    the Channel Islands or the Isle of Man and where required,
    must have a current Department of Transport test
    certificate (MOT).




20    BMW 7 Day Complimentary Insurance
BMW Car Insurance is sold, underwritten and administered by Allianz Insurance plc registered in England number 84638. Registered office: 57 Ladymead, Guildford, Surrey
GU1 1DB. Allianz Insurance plc is authorised and regulated by the Financial Services Authority, registration number 121849. Details of authorisation can be checked on the FSA's
register by visiting the FSA's website: www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.

BMW Financial Services (GB) Limited, registered office: Europa House, Bartley Way, Hook, Hampshire, RG27 9UF and Allianz Insurance plc are not part of the same
corporate group.

								
To top