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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 email@example.com 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: firstname.lastname@example.org • 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 email@example.com 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: firstname.lastname@example.org 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.
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