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Private Car Policy Summary - drive like a girl

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                                Private	
  Car	
  Policy	
  Summary	
  
	
  
	
  
This	
  is	
  a	
  summary	
  of	
  cover	
  provided	
  by	
  drive	
  like	
  a	
  girl.	
  It	
  does	
  not	
  include	
  all	
  the	
  policy	
  benefits,	
  limits	
  and	
  exclusions.	
  
	
  
We	
  only	
  offer	
  Comprehensive	
  cover.	
  If	
  you	
  have	
  selected	
  and	
  paid	
  to	
  extend	
  your	
  benefits	
  to	
  include	
  any	
  of	
  the	
  Extras	
  
then	
  this	
  will	
  be	
  shown	
  in	
  your	
  Schedule	
  of	
  Insurance.	
  
	
  
For	
  full	
  details	
  of	
  your	
  drive	
  like	
  a	
  girl	
  Policy	
  and	
  Terms	
  and	
  Conditions	
  please	
  read:	
  	
  
        • The	
  Private	
  Car	
  Policy	
  Document	
  
        • The	
  Terms	
  and	
  Conditions	
  
        • Your	
  Policy	
  Schedule,	
  this	
  shows	
  the	
  period	
  of	
  insurance,	
  which	
  sections	
  of	
  the	
  policy	
  apply	
  and	
  details	
  of	
  
                   applicable	
  excesses	
  and	
  endorsements.	
  
        • Your	
  Certificate	
  of	
  Motor	
  Insurance	
  
        • Your	
  Statement	
  of	
  Fact,	
  this	
  shows	
  the	
  information	
  you	
  have	
  provided	
  to	
  us.	
  
	
  
You	
  should	
  review	
  your	
  Policy	
  and	
  the	
  cover	
  it	
  provides	
  on	
  a	
  regular	
  basis	
  to	
  ensure	
  that	
  the	
  cover	
  remains	
  adequate	
  
for	
  your	
  needs.	
  
	
  
Your	
  Policy	
  has	
  been	
  arranged	
  and	
  issued	
  by	
  Insure	
  The	
  Box	
  Limited	
  on	
  behalf	
  of	
  the	
  insurer	
  Catlin	
  Insurance	
  Company	
  
(UK)	
   Ltd.	
   of	
   20	
   	
   Gracechurch	
   Street,	
   London,	
   EC3V	
   0BG.	
   Catlin	
   is	
   authorised	
   and	
   regulated	
   by	
   the	
   Financial	
   Services	
  
Authority.	
  
	
  
Drive	
  like	
  a	
  girl	
  is	
  a	
  trading	
  style	
  of	
  Insure	
  The	
  Box	
  Limited.	
  Insure	
  The	
  Box	
  Limited	
  is	
  a	
  wholly	
  owned	
  subsidiary	
  of	
  Box	
  
Innovation	
  Group	
  Limited	
  which	
  is	
  incorporated	
  in	
  Gibraltar	
  (Company	
  Number:	
  106243)	
  and	
  whose	
  registered	
  office	
  
is:	
  Montagu	
  Pavilion,	
  8-­‐10	
  Queensway,	
  Gibraltar.	
  Insure	
  The	
  Box	
  Limited	
  is	
  incorporated	
  in	
  Gibraltar	
  (Company	
  
Number:	
  102568)	
  and	
  the	
  registered	
  office	
  is:	
  Montagu	
  Pavilion,	
  8-­‐10	
  Queensway,	
  Gibraltar.	
  	
  
	
  
Catlin	
  Insurance	
  Company	
  (UK)	
  Ltd.'s	
  associate	
  company	
  owns	
  more	
  than	
  10%	
  of	
  Box	
  Innovation	
  Group	
  Limited.	
  
	
  
Our	
  Regulatory	
  Status	
  
Drive	
  like	
  a	
  girl	
  is	
  a	
  trading	
  style	
  of	
  Insure	
  The	
  Box	
  Limited.	
  Insure	
  The	
  Box	
  Limited	
  is	
  authorised	
  by	
  the	
  Gibraltar	
  
Financial	
  Services	
  Commission	
  (registered	
  number:	
  FSC01082B)	
  and	
  authorised	
  and	
  subject	
  to	
  limited	
  regulation	
  by	
  
the	
  Financial	
  Services	
  Authority	
  (registered	
  number:	
  519450).	
  These	
  can	
  be	
  checked	
  at	
  www.fsc.gi	
  and	
  
www.fsa.gov.uk	
  respectively.	
  Details	
  about	
  the	
  extent	
  of	
  our	
  authorisation	
  and	
  regulation	
  by	
  the	
  Financial	
  Services	
  
Authority	
  are	
  available	
  from	
  us	
  on	
  request.         	
                                                        	
  

DLG	
  PCPS000003	
                                                                                                                                                                            1	
  
                                                                                                                                                                                                                                         	
  
Significant	
  Features	
  and	
  Benefits	
  (Cover)	
  
	
  
     Description	
  of	
  
                                                                                                                                                                                                                     Policy	
  
    Cover/Product	
                                       Significant	
  Features	
  and	
  Benefits	
                               Significant	
  Limitations	
  and	
  Exclusions	
  
                                                                                                                                                                                                                   Reference	
  
          Features	
  
Accidental	
  damage	
  to	
                       Up	
  to	
  the	
  market	
  value	
  of	
  your	
  car	
  and	
           We	
  will	
  not	
  pay	
  for	
  loss	
  or	
  damage	
  to	
  your	
             Section	
  1	
  
your	
  car	
                                      its	
  accessories,	
  less	
  any	
  Excesses	
  shown	
                  car	
  as	
  a	
  result	
  of	
  a	
  deliberate	
  act	
  caused	
  by	
  
                                                   on	
  your	
  Schedule	
  of	
  Insurance	
                                you	
  or	
  any	
  other	
  driver	
  covered	
  to	
  drive	
  
                                                                     	
                                                       your	
  car	
  including,	
  but	
  not	
  limited	
  to,	
  driving	
  
                                                   Any	
  repairs	
  to	
  your	
  car	
  undertaken	
  by	
                  under	
  the	
  influence	
  of	
  alcohol	
  or	
  non-­‐
                                                   one	
  of	
  our	
  approved	
  UK	
  repairers	
  are	
                   prescription	
  drugs	
  or	
  as	
  result	
  of	
  lawful	
  
                                                   subject	
  to	
  the	
  following	
  guarantees:	
                         immobilisation	
  (clamping),	
  removal	
  and/or	
  
                                                            •        the	
  body	
  work,	
  paintwork	
  and	
               destruction	
  
                                                                     labour	
  will	
  be	
  guaranteed	
  for	
  4	
                             	
  
                                                                     years,	
  and;	
                                         If	
  you	
  make	
  a	
  claim	
  and	
  you	
  have	
  not	
  paid	
  all	
  
                                                            •        the	
  replacement	
  parts	
  used	
  will	
            your	
  premium,	
  we	
  may	
  deduct	
  any	
  unpaid	
  
                                                                     be	
  covered	
  for	
  the	
  duration	
  of	
          premium	
  from	
  any	
  claim	
  settlement	
  we	
  
                                                                     the	
  manufacturer’s	
  guarantee.	
                    make	
  to	
  you	
  
                                                           	
                                                                 	
  
                                                   These	
  guarantees	
  will	
  remain	
  in	
  place	
  for	
              We	
  will	
  only	
  pay	
  the	
  cost	
  of	
  replacing	
  parts	
  
                                                   as	
  long	
  as	
  your	
  car	
  remains	
  owned	
  by	
                needed	
  for	
  your	
  car	
  to	
  meet	
  the	
  
                                                   you	
                                                                      manufacturer’s	
  standard	
  specification	
  
                                                   	
                                                                         (including	
  optional	
  extras	
  fitted	
  by	
  the	
  
                                                                                                                              manufacturer)	
  unless	
  any	
  non-­‐standard	
  
                                                                                                                              parts	
  have	
  been	
  agreed	
  by	
  us	
  
                                                                                                                              	
  
Fire	
  and	
  theft	
  damage	
                   Up	
  to	
  the	
  market	
  value	
  of	
  your	
  car	
  and	
           We	
  will	
  not	
  pay	
  for	
  loss	
  or	
  theft	
  of	
  any	
  car	
        How	
  we	
  
to	
  your	
  car	
                                its	
  accessories,	
  less	
  any	
  Excesses	
  shown	
                  keys	
  or	
  lock	
  transmitters,	
  or	
  the	
  cost	
  of	
                    will	
  deal	
  
If	
  your	
  car	
  is	
  damaged	
               on	
  your	
  Schedule	
  of	
  Insurance	
                                repairing	
  or	
  replacing	
  any	
  alarms	
  or	
  security	
                   with	
  your	
  
by	
  fire	
  or	
  it	
  is	
  stolen	
  or	
                       	
                                                       devices	
  	
                                                                       claim	
  –	
  
damaged	
  as	
  a	
  result	
  of	
               Any	
  repairs	
  to	
  your	
  car	
  undertaken	
  by	
                                  	
                                                                  Sections	
  1	
  
theft,	
  or	
  attempted	
                        one	
  of	
  our	
  approved	
  UK	
  repairers	
  are	
                   Loss	
  or	
  damage	
  caused	
  by	
  theft	
  or	
                               &	
  2	
  
theft,	
  we	
  will	
  pay	
  for	
               subject	
  to	
  the	
  following	
  guarantees:	
                         attempted	
  theft	
  is	
  not	
  covered	
  if	
  your	
  car	
  is	
  
the	
  repairs	
  or	
  give	
  you	
                       •        the	
  body	
  work,	
  paintwork	
  and	
               left	
  unlocked,	
  or	
  with	
  the	
  keys	
  in	
  it	
  or	
  with	
  a	
  
a	
  cash	
  amount	
  	
                                            labour	
  will	
  be	
  guaranteed	
  for	
  4	
         window	
  or	
  roof	
  open	
  
	
                                                                   years,	
  and;	
                                                         	
  
                                                            •        the	
  replacement	
  parts	
  used	
  will	
            If	
  you	
  make	
  a	
  claim	
  and	
  you	
  have	
  not	
  paid	
  all	
  
                                                                     be	
  covered	
  for	
  the	
  duration	
  of	
          of	
  your	
  premium,	
  we	
  may	
  deduct	
  any	
  unpaid	
  
                                                                     the	
  manufacturer’s	
  guarantee	
                     premium	
  from	
  any	
  claim	
  settlement	
  we	
  
                                                                     	
                                                       make	
  to	
  you	
  
                                                   These	
  guarantees	
  will	
  remain	
  in	
  place	
  for	
                              	
  
                                                   as	
  long	
  as	
  your	
  car	
  remains	
  owned	
  by	
                We	
  will	
  only	
  pay	
  the	
  cost	
  of	
  replacing	
  parts	
  
                                                   you	
                                                                      needed	
  for	
  your	
  car	
  to	
  meet	
  the	
  
                                                   	
                                                                         manufacturer’s	
  standard	
  specification	
  
                                                                                                                              (including	
  optional	
  extra’s	
  fitted	
  by	
  the	
  
                                                                                                                              manufacturer)	
  unless	
  any	
  non-­‐standard	
  
                                                                                                                              parts	
  have	
  been	
  agreed	
  by	
  us	
  
                                                                                                                              	
  
Recovery	
  of	
  your	
  car	
                    If	
  your	
  car	
  is	
  not	
  safe	
  to	
  drive	
  after	
  an	
     We	
  will	
  pay	
  all	
  reasonable	
  expenses	
  up	
  to	
  a	
               How	
  we	
  
following	
  an	
  	
                              accident	
  or	
  loss	
  we	
  will	
  arrange	
  for	
                   maximum	
  of	
  £50.	
  	
                                                         will	
  deal	
  
incident	
                                         someone	
  to	
  assist	
  you.	
  If	
  your	
  car	
  cannot	
           	
                                                                                  with	
  your	
  
We	
  can	
  help	
  you	
  get	
                  be	
  made	
  roadworthy	
  within	
  a	
  reasonable	
                    We	
  will	
  require	
  documented	
  receipts	
  in	
                             claim	
  –	
  
home,	
  or	
  complete	
                          time,	
  we	
  can	
  arrange	
  to	
  take	
  it	
  to	
  one	
  of	
     order	
  to	
  support	
  your	
  claim	
                                           Sections	
  1	
  
your	
  journey	
  following	
                     our	
  approved	
  UK	
  repairers	
  at	
  our	
                                                                                                              &	
  2	
  
a	
  valid	
  claim	
  on	
  your	
                expense.	
  We	
  will	
  then	
  help	
  you	
  and	
  your	
  
policy	
  	
                                       passengers	
  to	
  complete	
  your	
  journey	
  
	
                                                 	
  




DLG	
  PCPS000003	
                                                                                                                                                                                                                   2	
  
                                                                                                                                                                                                                                	
  
         Description	
  of	
  
                                                                                                                                                                                                            Policy	
  
        Cover/Product	
                                Significant	
  Features	
  and	
  Benefits	
                            Significant	
  Limitations	
  and	
  Exclusions	
  
                                                                                                                                                                                                          Reference	
  
              Features	
  
New	
  car	
  replacement	
                     The	
  new	
  replacement	
  car	
  is	
  subject	
  to:	
               If	
  a	
  suitable	
  replacement	
  car	
  is	
  not	
  available,	
          How	
  we	
  
We	
  may	
  provide	
  you	
                                  	
                                                        the	
  claim	
  will	
  be	
  settled	
  by	
  one	
  of	
  the	
  other	
      will	
  deal	
  
with	
  a	
  new	
  car	
  if	
  your	
         You	
  having	
  registered	
  your	
  car	
  in	
  your	
               options	
  referred	
  to	
  in	
  the	
  ‘How	
  we	
  will	
  deal	
          with	
  your	
  
car	
  is	
  under	
  12	
  months	
            name	
  from	
  new	
                                                    with	
  your	
  claim’	
  Section	
  of	
  your	
  Private	
  Car	
             claim	
  –	
  
old	
  and	
  it	
  is	
  seriously	
                          	
                                                        Policy	
  Document	
                                                            Sections	
  1	
  
damaged	
  or	
  stolen	
  and	
                The	
  damage	
  to	
  your	
  car	
  exceeding	
  60%	
                                                                                                 &	
  2	
  
not	
  recovered	
                              of	
  the	
  manufacturer’s	
  list	
  price	
  plus	
  taxes	
  
                         	
                     when	
  the	
  damage	
  happened	
  
                                                               	
  
                                                A	
  suitable	
  replacement	
  car	
  being	
  
                                                available	
  in	
  the	
  U.K.	
  
                                                	
  
In-­‐car	
  entertainment,	
                    Payment	
  for	
  up	
  to	
  the	
  market	
  value	
  of	
             Cover	
  for	
  any	
  other	
  equipment	
  or	
                               How	
  we	
  
phone	
  and	
  satellite	
                     any	
  In-­‐car	
  entertainment,	
  phone	
  and	
                      specification	
  is	
  limited	
  to	
  a	
  maximum	
  of	
                    will	
  deal	
  
navigation	
  equipment	
                       satellite	
  navigation	
  equipment	
  that	
  is	
                     £250	
                                                                          with	
  your	
  
Accidental	
  damage	
  to,	
                   permanently	
  fitted	
  by	
  the	
  manufacturer	
                                                                                                     claim	
  –	
  
or	
  damage	
  or	
  loss	
                    as	
  standard	
                                                                                                                                         Sections	
  1	
  
caused	
  by	
  fire	
  or	
  theft	
                          	
                                                                                                                                        &	
  2	
  
of,	
  your	
  car’s	
  in-­‐car	
              	
  
entertainment,	
  phone	
  
and	
  satellite	
  navigation	
  
equipment	
  
	
  
Child	
  car	
  seats	
                         Payment	
  for	
  new	
  child	
  seats	
  of	
  the	
  same	
           The	
  seats	
  will	
  only	
  be	
  replaced	
  if	
  your	
  car	
  is	
     How	
  we	
  
If	
  your	
  car	
  is	
  involved	
  in	
     quality	
  as	
  the	
  seat	
  being	
  replaced	
  up	
  to	
  a	
     involved	
  in	
  a	
  collision	
  and	
  the	
  incident	
  is	
              will	
  deal	
  
an	
  accident	
  which	
                       limit	
  of	
  £300	
  for	
  each	
  accident	
                         covered	
  under	
  Section	
  1	
  of	
  your	
  Private	
  Car	
              with	
  your	
  
damages	
  the	
  car,	
  we	
                                                                                           Policy	
  Document	
                                                            claim	
  –	
  
will	
  replace	
  the	
  child	
                                                                                                                                                                        Sections	
  1	
  
car	
  seats	
                                                                                                                                                                                           &	
  2	
  
	
  
Temporary	
                                     This	
  is	
  only	
  available	
  if	
  the	
  damage	
  to	
           If	
  your	
  car	
  is	
  found	
  to	
  be	
  uneconomic	
  to	
              How	
  we	
  
Replacement	
  Car	
                            your	
  car	
  is	
  covered	
  by	
  this	
  insurance.	
  We	
         repair,	
  or	
  is	
  unrecovered	
  following	
  a	
  theft	
                 will	
  deal	
  
The	
  provision	
  of	
  a	
                   will	
  provide	
  a	
  temporary	
  replacement	
  car	
                we	
  will	
  provide	
  a	
  temporary	
  replacement	
  car	
                 with	
  your	
  
replacement	
  car	
  during	
                  (providing	
  one	
  is	
  available)	
  while	
  repairs	
              until	
  7	
  days	
  after	
  a	
  settlement	
  offer	
  has	
                claim	
  –	
  
your	
  claim	
                                 to	
  your	
  car	
  are	
  being	
  carried	
  out,	
  or	
  in	
       been	
  made	
  to	
  you	
  	
                                                 Sections	
  1	
  
                                                the	
  event	
  of	
  a	
  theft,	
  until	
  your	
  car	
  is	
        	
                                                                              &	
  2	
  
                                                recovered	
                                                              Where	
  your	
  car	
  has	
  been	
  stolen	
  you	
  must	
  
                                                                 	
                                                      provide	
  a	
  crime	
  reference	
  number	
  from	
  the	
  
                                                Temporary	
  replacement	
  cars	
  are	
  usually	
                     Police	
  
                                                small	
  one	
  litre	
  hatchbacks,	
  or	
  similar,	
                 	
  
                                                with	
  a	
  manual	
  gearbox,	
  and	
  will	
  have	
                 You	
  will	
  be	
  liable	
  for	
  any	
  fines	
  for	
  any	
  
                                                Comprehensive	
  cover,	
  including	
  any	
                            parking	
  or	
  driving	
  offences,	
  congestion,	
  tolls	
  
                                                policy	
  excesses	
  on	
  your	
  policy,	
  whilst	
  it	
  is	
      or	
  road	
  pricing	
  charges	
  and	
  any	
  additional	
  
                                                in	
  your	
  possession	
                                               costs	
  for	
  non-­‐payment	
  of	
  these	
  charges.	
  You	
  
                                                                                                                         will	
  need	
  to	
  produce	
  an	
  appropriate	
  credit	
  
                                                                                                                         or	
  debit	
  card	
  before	
  collecting	
  the	
  
                                                                                                                         temporary	
  replacement	
  car	
  in	
  order	
  to	
  cover	
  
                                                                                                                         these	
  costs	
  
                                                                                                                         	
  
                                                                                                                         Temporary	
  replacement	
  cars	
  are	
  not	
  
                                                                                                                         provided	
  abroad	
  
                                                                                                                         	
  
Driving	
  other	
  cars	
                      There	
  is	
  no	
  cover	
  to	
  drive	
  other	
  cars	
             There	
  is	
  no	
  cover	
  to	
  drive	
  other	
  cars	
                    Definitions	
  
             	
                                 	
                                                                       	
                                                                              Your	
  Car	
  
	
                                                                                                                                                                                                       and	
  
                                                                                                                                                                                                         your	
  
                                                                                                                                                                                                         Schedule	
  of	
  
                                                                                                                                                                                                         insurance	
  
                                                                                                                                                                                                         	
  




DLG	
  PCPS000003	
                                                                                                                                                                                                          3	
  
                                                                                                                                                                                                                    	
  
           Description	
  of	
  
                                                                                                                                                                                                 Policy	
  
          Cover/Product	
                           Significant	
  Features	
  and	
  Benefits	
                       Significant	
  Limitations	
  and	
  Exclusions	
  
                                                                                                                                                                                               Reference	
  
              Features	
  
Cover	
  for	
  the	
  death	
  of,	
       There	
  is	
  no	
  limit	
                                         Cover	
  is	
  only	
  provided	
  for	
  the	
  vehicle	
  named	
          Section	
  3	
  
or	
  injury	
  to,	
  other	
                                                                                   on	
  your	
  Certificate	
  of	
  Motor	
  Insurance,	
                     	
  
people	
  including	
  injury	
                                                                                  whilst	
  it	
  is	
  being	
  driven	
  by	
  the	
  drivers	
  named	
  
to	
  any	
  passengers	
                                                                                        on	
  your	
  Certificate	
  of	
  Motor	
  Insurance	
  and	
  
If	
  you	
  are	
  involved	
  in	
                                                                             for	
  a	
  purpose	
  defined	
  on	
  your	
  Certificate	
  of	
  
an	
  accident	
  in	
  your	
  car	
                                                                            Motor	
  Insurance	
  
you	
  may	
  be	
  liable	
  to	
  
pay	
  compensation	
  if	
  
anyone	
  is	
  killed	
  or	
  
injured	
  
	
  
Cover	
  for	
  damage	
  to	
              Up	
  to	
  £15,000,000	
  for	
  damage	
  to	
                     Cover	
  is	
  only	
  provided	
  for	
  the	
  vehicle	
  named	
          Section	
  3	
  
property	
  belonging	
  to	
               property	
  belonging	
  to	
  other	
  people	
  (third	
           on	
  your	
  Certificate	
  of	
  Motor	
  Insurance,	
  
other	
  people	
                           parties)	
  and	
  up	
  to	
  £5,000,000	
  for	
  dealing	
        whilst	
  it	
  is	
  being	
  driven	
  by	
  the	
  drivers	
  named	
  
If	
  you	
  or	
  a	
  driver	
            with	
  the	
  legal	
  costs	
  arising	
  from	
  such	
           on	
  your	
  Certificate	
  of	
  Motor	
  Insurance	
  and	
  
covered	
  to	
  drive	
  your	
            claims	
                                                             for	
  a	
  purpose	
  defined	
  on	
  your	
  Certificate	
  of	
  
car	
  are	
  involved	
  in	
  an	
                                                                             Motor	
  Insurance	
  
accident	
  in	
  your	
  car	
  
you	
  may	
  be	
  liable	
  to	
  
pay	
  for	
  damage	
  you	
  
cause	
  to	
  other	
  vehicles,	
  
and	
  to	
  property	
  
belonging	
  to	
  other	
  
people	
  such	
  as	
  fixed	
  
items	
  e.g.	
  lamp-­‐posts	
  
and	
  walls	
  
	
  
Legal	
  costs	
  and	
                     There	
  is	
  no	
  limit	
                                         Cover	
  is	
  only	
  provided	
  for	
  the	
  vehicle	
  named	
          Section	
  3	
  
expenses	
                                  	
                                                                   on	
  your	
  Certificate	
  of	
  Motor	
  Insurance,	
  
You	
  are	
  covered	
  for	
                                                                                   whilst	
  it	
  is	
  being	
  driven	
  by	
  the	
  drivers	
  named	
  
solicitors	
  fees	
  at	
  a	
                                                                                  on	
  your	
  Certificate	
  of	
  Motor	
  Insurance	
  and	
  
coroner’s	
  inquest,	
  fatal	
                                                                                 for	
  a	
  purpose	
  defined	
  on	
  your	
  Certificate	
  of	
  
accident	
  enquiry	
  or	
                                                                                      Motor	
  Insurance	
  
court	
  of	
  summary	
                                                                                         	
  
jurisdiction	
  and	
                                                                                            This	
  section	
  only	
  applies	
  to	
  costs	
  and	
  
defence	
  of	
  any	
  legal	
                                                                                  expenses	
  relating	
  to	
  charges	
  of	
  
proceedings	
  for	
                                                                                             manslaughter,	
  or	
  causing	
  death	
  by	
  
manslaughter,	
  or	
                                                                                            dangerous	
  or	
  reckless	
  driving	
  where	
  we	
  have	
  
causing	
  death	
  by	
                                                                                         given	
  our	
  written	
  consent	
  
dangerous	
  or	
  reckless	
                                                                                    	
  
driving	
  
	
  
Emergency	
  treatment	
                    There	
  is	
  no	
  limit	
                                         Cover	
  is	
  only	
  provided	
  for	
  the	
  vehicle	
  named	
          Section	
  3	
  
charges	
                                   	
                                                                   on	
  your	
  Certificate	
  of	
  Motor	
  Insurance,	
  
If	
  you	
  are	
  involved	
  in	
                                                                             whilst	
  it	
  is	
  being	
  driven	
  by	
  the	
  drivers	
  named	
  
an	
  accident	
  and	
  receive	
                                                                               on	
  your	
  Certificate	
  of	
  Motor	
  Insurance	
  and	
  
treatment	
  from	
  the	
                                                                                       for	
  a	
  purpose	
  defined	
  on	
  your	
  certificate	
  of	
  
emergency	
  services	
                                                                                          Motor	
  Insurance	
  
then	
  you	
  are	
  covered	
  
for	
  any	
  cost	
  of	
  that	
  
treatment	
  stipulated	
  in	
  
the	
  Road	
  Traffic	
  Act	
  
	
  
Use	
  by	
  the	
  motor	
                 Up	
  to	
  the	
  market	
  value	
  of	
  your	
  car	
  and	
     None	
                                                                       Section	
  4	
  
trade,	
  hotels	
  and	
  car	
            its	
  accessories	
  
parks	
  
Your	
  car	
  is	
  covered	
  
whilst	
  it	
  is	
  being	
  driven	
  
by	
  a	
  member	
  of	
  the	
  
Motor	
  Trade	
  or	
  an	
  
employee	
  of	
  a	
  Hotel	
  or	
  
Car	
  Park	
  
	
  


DLG	
  PCPS000003	
                                                                                                                                                                                              4	
  
                                                                                                                                                                                                                                	
  
        Description	
  of	
  
                                                                                                                                                                                                             Policy	
  
        Cover/Product	
                               Significant	
  Features	
  and	
  Benefits	
                                Significant	
  Limitations	
  and	
  Exclusions	
  
                                                                                                                                                                                                           Reference	
  
              Features	
  
Glass	
  in	
  windscreens,	
                 You	
  must	
  notify	
  us	
  before	
  any	
  work	
  is	
                  If	
  you	
  choose	
  not	
  to	
  use	
  our	
  approved	
                  Section	
  5	
  
sunroofs	
  or	
  windows	
                   carried	
  out	
  and	
  you	
  must	
  use	
  our	
                          supplier,	
  then	
  the	
  most	
  we	
  will	
  pay	
  is	
  £200	
  
(or	
  for	
  any	
  scratching	
             approved	
  supplier	
  	
                                                    less	
  any	
  excesses	
  shown	
  on	
  your	
  Schedule	
  of	
  
of	
  the	
  bodywork	
  as	
  a	
                            	
                                                            Insurance	
  
result	
  of	
  broken	
  glass	
             You	
  will	
  pay	
  the	
  first	
  part	
  of	
  any	
  claim	
  for	
     	
  
from	
  your	
  car)	
                        any	
  glass	
  that	
  is	
  replaced	
  or	
  repaired	
                    Damage	
  to	
  your	
  car	
  as	
  a	
  result	
  of	
  a	
  
                                              	
                                                                            deliberate	
  act	
  caused	
  by	
  you	
  or	
  any	
  driver	
  
                                              The	
  level	
  of	
  your	
  contribution	
  (your	
                         covered	
  to	
  drive	
  your	
  car	
  	
  
                                              Excess),	
  is	
  shown	
  on	
  your	
  Schedule	
  of	
                     	
  
                                              Insurance	
  
                                              	
  
Foreign	
  use	
                              Cover	
  automatically	
  applies	
  provided	
  it	
  is	
                   Cover	
  for	
  loss	
  or	
  damage	
  to	
  your	
  car	
  is	
             Section	
  6	
  
This	
  extends	
  the	
  full	
              shown	
  on	
  your	
  Schedule	
  of	
  Insurance,	
                         excluded	
  if	
  it	
  is	
  kept	
  abroad	
  for	
  more	
  than	
  
cover	
  of	
  your	
  Policy	
               unless	
  the	
  conditions	
  shown	
  in	
  the	
  next	
                   30	
  consecutive	
  days	
  in	
  any	
  one	
  annual	
  
when	
  you	
  take	
  your	
  car	
          column	
  are	
  not	
  met	
                                                 period	
  of	
  cover	
  
abroad	
  to	
  any	
                         	
                                                                            	
  
European	
  Union	
  (EU)	
                   You	
  will	
  not	
  need	
  a	
  Green	
  Card	
  for	
  these	
            Temporary	
  replacement	
  cars	
  are	
  not	
  
country,	
  plus	
  some	
                    journeys	
                                                                    available	
  abroad	
  and	
  repairs	
  undertaken	
  
other	
  countries	
  that	
                  	
                                                                            abroad	
  are	
  not	
  guaranteed,	
  as	
  they	
  are	
  not	
  
follow	
  the	
  EU	
                                                                                                       carried	
  out	
  by	
  one	
  of	
  our	
  approved	
  UK	
  
directives.	
  All	
  of	
  these	
                                                                                         repairers	
  
countries	
  are	
  specified	
  
on	
  your	
  Schedule	
  of	
  
Insurance	
  
	
  
Personal	
  accident	
                        Cover	
  is	
  limited	
  to	
  £7,500	
  in	
  total	
  per	
                Cover	
  only	
  applies	
  if	
  the	
  injury	
  results	
  in	
            Section	
  7	
  
benefits	
                                    person	
  during	
  any	
  one	
  Period	
  of	
  Private	
                   death,	
  permanent	
  loss	
  of	
  any	
  limb	
  above	
  the	
  
Cover	
  is	
  provided	
  for	
              Car	
  Insurance	
  Cover	
                                                   wrist	
  or	
  ankle;	
  or	
  the	
  complete	
  and	
  
death	
  or	
  accidental	
                   	
                                                                            irrecoverable	
  loss	
  of	
  sight	
  in	
  one	
  or	
  both	
  
injury	
  to	
  you	
  or	
  your	
                                                                                         eyes	
  within	
  90	
  days	
  of	
  the	
  incident	
  
husband,	
  wife	
  or	
  civil	
                                                                                                           	
  
partner	
  as	
  a	
  result	
  of	
  a	
                                                                                   Cover	
  will	
  not	
  be	
  provided	
  where	
  the	
  
road	
  accident	
  whilst	
                                                                                                incident	
  was	
  as	
  a	
  result	
  of	
  suicide	
  or	
  
you	
  are	
  travelling	
  in,	
  or	
                                                                                     attempted	
  suicide,	
  or	
  driving	
  under	
  the	
  
getting	
  in	
  to	
  or	
  out	
  of,	
                                                                                   influence	
  of	
  alcohol	
  or	
  non-­‐prescription	
  
any	
  car	
  	
                                                                                                            drugs,	
  or	
  where	
  the	
  driver	
  of	
  your	
  car	
  is	
  
	
                                                                                                                          convicted	
  of	
  reckless	
  or	
  dangerous	
  driving,	
  
                                                                                                                            or	
  where	
  the	
  person	
  is	
  not	
  wearing	
  a	
  
                                                                                                                            seatbelt	
  
                                                                                                                            	
  
Medical	
  expenses	
                         Cover	
  is	
  limited	
  to	
  £200	
  per	
  person	
                       Cover	
  will	
  not	
  be	
  provided	
  where	
  the	
  driver	
            Section	
  8	
  
Medical	
  expenses	
                         travelling	
  in	
  your	
  car	
  at	
  the	
  time	
  of	
  the	
           of	
  your	
  car	
  is	
  driving	
  under	
  the	
  influence	
  of	
  
resulting	
  from	
  an	
                     accident	
                                                                    alcohol	
  or	
  non-­‐prescription	
  drugs,	
  or	
  where	
  
accident	
  while	
                                                                                                         the	
  driver	
  of	
  your	
  car	
  is	
  convicted	
  of	
  reckless	
  
travelling	
  in	
  your	
  car	
                                                                                           or	
  dangerous	
  driving,	
  or	
  where	
  the	
  person	
  is	
  
	
                                                                                                                          not	
  wearing	
  a	
  seatbelt	
  
                                                                                                                            	
  
Personal	
  belongings	
                      Cover	
  is	
  limited	
  to	
  £250	
                                        You	
  must	
  keep	
  your	
  car	
  locked	
  and	
  remove	
               Section	
  9	
  
and	
  handbag	
  cover	
                     	
                                                                            the	
  keys	
  from	
  it,	
  and	
  keep	
  the	
  windows	
  and	
  
Accidental	
  damage,	
  or	
                                                                                               roof	
  closed	
  when	
  the	
  car	
  is	
  left	
  unattended	
  
damage	
  or	
  loss	
  caused	
                                                                                                            	
  
by	
  fire	
  or	
  theft	
  of	
                                                                                           Any	
  personal	
  belongings,	
  handbag,	
  or	
  its	
  
personal	
  belongings	
                                                                                                    contents	
  must	
  be	
  kept	
  out	
  of	
  sight	
  in	
  the	
  
and	
  any	
  handbag	
  and	
                                                                                              locked	
  boot	
  or	
  glove	
  compartment	
  of	
  your	
  
its	
  contents	
  in	
  your	
  car	
                                                                                      car	
  unless	
  you	
  are	
  in	
  the	
  car	
  
                    	
  
                                                                                                                            	
  
	
                                                                                                                          We	
  may	
  require	
  proof	
  of	
  purchase	
  or	
  
                                                                                                                            evidence	
  of	
  ownership	
  to	
  support	
  your	
  claim	
  
                                                                                                                            	
  




DLG	
  PCPS000003	
                                                                                                                                                                                                          5	
  
                                                                                                                                                                                                                          	
  
          Description	
  of	
  
                                                                                                                                                                                                         Policy	
  
         Cover/Product	
                            Significant	
  Features	
  and	
  Benefits	
                              Significant	
  Limitations	
  and	
  Exclusions	
  
                                                                                                                                                                                                       Reference	
  
              Features	
  
Misfueling	
  cover	
                        Cover	
  is	
  limited	
  to	
  £250	
                                     Provided	
  that	
  any	
  loss	
  or	
  damage	
  has	
  not	
               Section	
  10	
  
Cover	
  is	
  provided	
  to	
                                                                                         been	
  caused	
  over	
  a	
  period	
  of	
  time	
  	
  
clean	
  the	
  fuel	
  system	
                                                                                        	
  
and	
  other	
  associated	
                                                                                            If	
  you	
  put	
  the	
  wrong	
  fuel	
  in	
  your	
  car	
  please	
  
parts	
  of	
  your	
  car	
  or	
  to	
                                                                                call	
  0330	
  022	
  0123	
  immediately	
  –	
  do	
  not	
  
repair	
  any	
  loss	
  or	
                                                                                           attempt	
  to	
  drive	
  your	
  car	
  as	
  you	
  could	
  cause	
  
damage	
  caused	
  if	
  you	
                                                                                         more	
  serious	
  damage.	
  
fill	
  your	
  car	
  with	
  an	
                                                                                     	
  
inappropriate	
  grade	
  or	
  
type	
  of	
  fuel	
  purchased	
  
from	
  a	
  licensed	
  fuel	
  
supplier.	
  	
  
No	
  claim	
  discount	
                    If	
  you	
  have	
  a	
  claim	
  you	
  will	
  lose	
  your	
  no	
     None	
                                                                        Section	
  11	
  
You	
  can	
  obtain	
  a	
                  claim	
  discount	
  in	
  accordance	
  with	
  the	
  
discount	
  from	
  your	
                   scale	
  shown	
  in	
  your	
  Policy	
  
Premium	
  in	
  accordance	
                                 	
  
with	
  the	
  scale	
  shown	
  in	
        Claims	
  for	
  emergency	
  treatment	
  charges,	
  
your	
  Private	
  Car	
  Policy	
           glass	
  and	
  claims	
  where	
  you	
  are	
  not	
  at	
  
Document	
  for	
  every	
                   fault	
  and	
  we	
  recover	
  all	
  that	
  we	
  have	
  
year	
  that	
  you	
  remain	
              paid,	
  will	
  not	
  affect	
  your	
  no	
  claim	
  
claim	
  free	
  up	
  to	
  a	
             discount	
  
maximum	
  of	
  10	
  years	
  
Protected	
  no	
  claim	
                   Your	
  no	
  claim	
  discount	
  will	
  be	
  protected	
               None	
                                                                        Section	
  11	
  
discount	
                                   provided	
  that	
  there	
  are	
  no	
  more	
  than	
                   	
  
If	
  you	
  have	
  already	
               two	
  claims	
  in	
  any	
  five	
  consecutive	
  years	
  
built	
  up	
  a	
  valuable	
  no	
         of	
  cover	
  
claim	
  discount	
  you	
  can	
                            	
  
protect	
  it	
  so	
  that	
  even	
        Any	
  change	
  in	
  the	
  level	
  of	
  your	
  no	
  claim	
  
if	
  you	
  do	
  have	
  a	
  claim	
      discount	
  is	
  no	
  guarantee	
  that	
  your	
  
you	
  will	
  keep	
  your	
  full	
        premium	
  will	
  not	
  increase	
  
discount	
  
General	
  conditions	
  and	
               Please	
  see	
  Section	
  12	
  &	
  13	
  of	
  your	
                  Please	
  see	
  Section	
  12	
  &	
  13	
  of	
  your	
  Private	
          Section	
  12	
  
general	
  exceptions	
                      Private	
  Car	
  Policy	
  Document	
                                     Car	
  Policy	
  Document	
                                                   &	
  13	
  
These	
  terms,	
  
conditions	
  and	
  
exclusions	
  apply	
  
irrespective	
  of	
  the	
  
cover	
  you	
  select.	
  Your	
  
Private	
  Car	
  Policy	
  
Document	
  shows	
  all	
  of	
  
them	
  
                                                                      Optional	
  Extensions	
  of	
  cover	
  (The	
  Extras)	
  
                                                                                                               	
  
                                                             The	
  Extras	
  are	
  only	
  covered	
  if	
  they	
  are	
  shown	
  on	
  your	
  
                                                Schedule	
  of	
  Insurance	
  and	
  any	
  additional	
  premium	
  required	
  has	
  been	
  paid	
  
Road	
  Rescue	
                                   Further	
  details	
  of	
  the	
  Extras	
  can	
  be	
  found	
  on	
  our	
  website	
  www.drivelikeagirl.com	
  	
  
Key	
  Protect	
  
	
  
Cancellation	
  
We	
  reserve	
  the	
  right	
  to	
  cancel	
  the	
  cover,	
  providing	
  we	
  follow	
  the	
  procedure	
  defined	
  in	
  Section	
  12	
  of	
  the	
  Private	
  Car	
  
Policy	
  Document,	
  if	
  you	
  do	
  not	
  co-­‐operate	
  in	
  having	
  the	
  in-­‐tele-­‐box	
  fitted	
  within	
  14	
  days	
  of	
  you	
  arranging	
  cover	
  with	
  
us.	
  
	
  
We	
  also	
  reserve	
  the	
  right	
  to	
  cancel	
  the	
  cover,	
  providing	
  we	
  follow	
  the	
  procedure	
  defined	
  in	
  Section	
  12	
  of	
  the	
  Private	
  
Car	
  Policy	
  Document,	
  if	
  you	
  do	
  not	
  pay	
  your	
  premium,	
  or	
  after	
  a	
  claim,	
  where	
  we	
  have	
  decided	
  to	
  make	
  a	
  cash	
  
payment	
  for	
  not	
  more	
  than	
  the	
  market	
  value	
  of	
  your	
  car	
  at	
  the	
  time	
  of	
  the	
  damage	
  where	
  it	
  was	
  uneconomic	
  to	
  repair	
  
your	
  car.	
  
	
  



DLG	
  PCPS000003	
                                                                                                                                                                                                   6	
  
                                                                                                                                                                                                         	
  
If	
  we	
  so	
  request,	
  you	
  must	
  allow	
  us	
  or	
  our	
  approved	
  supplier	
  to	
  retrieve	
  the	
  in-­‐tele-­‐box	
  from	
  your	
  car	
  in	
  the	
  event	
  that	
  
cover	
  is	
  no	
  longer	
  required.	
  
	
  
You	
  may	
  cancel	
  your	
  policy	
  at	
  any	
  time,	
  as	
  defined	
  in	
  the	
  Private	
  Car	
  Policy	
  Document.	
  
	
  
To	
  exercise	
  your	
  right	
  to	
  cancel,	
  you	
  must	
  advise	
  us	
  that	
  you	
  wish	
  to	
  cancel	
  your	
  policy	
  and	
  you	
  must	
  return	
  your	
  
Certificate	
  of	
  Motor	
  Insurance	
  immediately	
  or	
  otherwise	
  advise	
  us	
  by	
  email	
  that	
  the	
  policy	
  to	
  which	
  the	
  certificate	
  
relates	
  has	
  ceased	
  to	
  have	
  effect.	
  The	
  cancellation	
  will	
  only	
  be	
  effective	
  from	
  the	
  date	
  the	
  Certificate	
  of	
  Motor	
  
Insurance	
  is	
  returned	
  by	
  you	
  or	
  we	
  receive	
  that	
  email.	
  	
  Please	
  refer	
  to	
  Section	
  12	
  of	
  your	
  Private	
  Car	
  Policy	
  Document	
  
for	
  full	
  details.	
  
	
  
Upon	
  cancellation,	
  you	
  will	
  receive	
  a	
  refund	
  of	
  premium	
  providing	
  no	
  claim	
  has	
  been	
  made	
  during	
  the	
  period	
  of	
  policy	
  
cover.	
  You	
  will	
  be	
  entitled	
  to	
  receive	
  a	
  refund	
  of	
  premium	
  less	
  an	
  administration	
  fee	
  of	
  £30	
  and	
  a	
  charge	
  reflecting	
  the	
  
cover	
  we	
  have	
  provided	
  up	
  to	
  the	
  cancellation	
  of	
  your	
  policy.	
  This	
  charge	
  will	
  be	
  calculated	
  on	
  a	
  proportionate	
  basis	
  
on	
  the	
  period	
  of	
  cover	
  you	
  have	
  received.	
  	
  
	
  
When	
  you	
  take	
  out	
  a	
  policy	
  with	
  us	
  we	
  pay	
  the	
  cost	
  of	
  the	
  in-­‐tele-­‐box,	
  its	
  fitting	
  and	
  retrieval	
  of	
  data	
  from	
  it.	
  In	
  the	
  
event	
  that	
  you	
  cancel	
  your	
  policy	
  and	
  if	
  the	
  in-­‐tele-­‐box	
  has	
  already	
  been	
  fitted	
  to	
  your	
  car,	
  or	
  had	
  been	
  fitted	
  to	
  a	
  car	
  
you	
  previously	
  insured	
  with	
  us,	
  you	
  will	
  be	
  charged	
  an	
  additional	
  fee	
  of	
  £50	
  to	
  cover	
  the	
  cost	
  of	
  disabling	
  the	
  in-­‐tele-­‐
box.	
  These	
  fees	
  will	
  be	
  subject	
  to	
  Insurance	
  Premium	
  Tax	
  where	
  applicable.	
  
	
  
If	
  you	
  have	
  made	
  a	
  claim	
  during	
  the	
  current	
  period	
  of	
  policy	
  cover,	
  you	
  must	
  pay	
  the	
  full	
  annual	
  premium	
  and	
  you	
  will	
  
not	
  be	
  entitled	
  to	
  any	
  refund.	
  
	
  
14	
  day	
  cooling	
  off	
  period	
  
You	
  have	
  a	
  right	
  to	
  cancel	
  your	
  policy	
  within	
  14	
  days	
  of	
  the	
  period	
  of	
  policy	
  cover	
  commencing.	
  	
  If	
  you	
  choose	
  to	
  
cancel	
  and	
  providing	
  no	
  claim	
  has	
  been	
  made	
  during	
  the	
  period	
  of	
  policy	
  cover,	
  you	
  will	
  be	
  entitled	
  to	
  receive	
  a	
  refund	
  
of	
  premium	
  less	
  an	
  administration	
  fee	
  of	
  £30	
  and	
  a	
  charge	
  reflecting	
  the	
  cover	
  we	
  have	
  provided	
  up	
  to	
  the	
  
cancellation	
  of	
  your	
  policy.	
  This	
  charge	
  will	
  be	
  calculated	
  on	
  a	
  proportionate	
  basis	
  on	
  the	
  period	
  of	
  cover	
  you	
  have	
  
received.	
  When	
  you	
  take	
  out	
  a	
  policy	
  with	
  us	
  we	
  pay	
  the	
  cost	
  of	
  the	
  in-­‐tele-­‐box,	
  its	
  fitting	
  and	
  retrieval	
  of	
  data	
  from	
  it.	
  
In	
  the	
  event	
  that	
  you	
  cancel	
  your	
  policy	
  and	
  if	
  	
  the	
  in-­‐tele-­‐box	
  has	
  already	
  been	
  fitted	
  to	
  your	
  car,	
  or	
  had	
  been	
  fitted	
  to	
  
a	
  car	
  you	
  previously	
  insured	
  with	
  us,	
  you	
  will	
  be	
  charged	
  an	
  additional	
  fee	
  of	
  £50	
  to	
  cover	
  the	
  cost	
  of	
  disabling	
  the	
  in-­‐
tele-­‐box.	
  These	
  fees	
  will	
  be	
  subject	
  to	
  Insurance	
  Premium	
  Tax	
  where	
  applicable.	
  
	
  
If	
  you	
  have	
  made	
  a	
  claim	
  during	
  the	
  current	
  period	
  of	
  policy	
  cover,	
  you	
  must	
  pay	
  the	
  full	
  annual	
  premium	
  and	
  you	
  will	
  
not	
  be	
  entitled	
  to	
  any	
  refund.	
  
	
  
To	
  exercise	
  your	
  right	
  to	
  cancel,	
  you	
  must	
  advise	
  us	
  that	
  you	
  wish	
  to	
  cancel	
  your	
  policy	
  and	
  you	
  must	
  return	
  your	
  
Certificate	
  of	
  Motor	
  Insurance	
  immediately	
  or	
  otherwise	
  advise	
  us	
  by	
  email	
  that	
  the	
  policy	
  to	
  which	
  the	
  certificate	
  
relates	
  has	
  ceased	
  to	
  have	
  effect.	
  The	
  cancellation	
  will	
  only	
  be	
  effective	
  from	
  the	
  date	
  the	
  Certificate	
  of	
  Motor	
  
Insurance	
  is	
  returned	
  by	
  you	
  or	
  we	
  receive	
  that	
  email.	
  	
  Please	
  refer	
  to	
  your	
  Private	
  Car	
  Policy	
  Document	
  for	
  full	
  details.	
  
	
  
Automatic	
  Renewal	
  
To	
  make	
  renewal	
  easier	
  for	
  you,	
  your	
  Car	
  Insurance	
  Policy	
  will	
  be	
  renewed	
  automatically	
  using	
  the	
  payment	
  details	
  
you	
  have	
  previously	
  given	
  us,	
  providing	
  your	
  card	
  details	
  allow	
  this	
  and	
  you	
  have	
  given	
  us	
  permission	
  to	
  do	
  so.	
  	
  
	
  
We	
  will	
  only	
  automatically	
  renew	
  your	
  Policy	
  after	
  issuing	
  you	
  with	
  a	
  renewal	
  notice	
  not	
  less	
  than	
  21	
  days	
  before	
  the	
  
end	
  of	
  your	
  policy.	
  If	
  you	
  do	
  not	
  want	
  us	
  to	
  automatically	
  renew	
  your	
  cover,	
  you	
  must	
  contact	
  us	
  more	
  than	
  3	
  days	
  
before	
  your	
  renewal	
  date	
  and	
  advise	
  us	
  accordingly.	
  Your	
  renewal	
  payment	
  will	
  be	
  taken	
  from	
  your	
  account	
  3	
  days	
  
before	
  the	
  renewal	
  date.	
  
	
  
Upon	
  renewal,	
  you	
  will	
  have	
  the	
  right	
  to	
  cancel	
  your	
  Policy	
  within	
  14	
  days	
  of	
  the	
  renewal	
  date	
  (as	
  described	
  in	
  the	
  ‘14	
  
day	
  cooling	
  off	
  period’	
  section	
  above)	
  
	
  


DLG	
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Managing	
  an	
  accident	
  
A	
  benefit	
  of	
  the	
  in-­‐tele-­‐box	
  is	
  we	
  will	
  be	
  alerted	
  if	
  your	
  car	
  has	
  been	
  involved	
  in	
  an	
  accident.	
  If	
  this	
  happens	
  and	
  your	
  
car	
  is	
  stationary,	
  we	
  will	
  try	
  to	
  call	
  you	
  on	
  the	
  mobile	
  phone	
  number	
  you	
  gave	
  us	
  when	
  cover	
  was	
  arranged.	
  We	
  will	
  
check	
  you	
  are	
  OK,	
  and	
  try	
  to	
  help	
  you	
  get	
  back	
  on	
  the	
  move,	
  or	
  if	
  it	
  is	
  not	
  safe	
  to	
  drive	
  your	
  car,	
  we	
  will	
  arrange	
  for	
  
your	
  car	
  to	
  be	
  taken	
  to	
  one	
  of	
  our	
  approved	
  repairers.	
  If	
  we	
  can	
  see	
  that	
  your	
  car	
  is	
  moving	
  we	
  will	
  assume	
  that	
  you	
  
are	
  unharmed	
  and	
  do	
  not	
  require	
  immediate	
  assistance.	
  
	
  
If	
  we	
  are	
  unable	
  to	
  contact	
  you	
  and	
  your	
  car	
  is	
  stationary	
  we	
  will	
  assess	
  all	
  the	
  circumstances	
  relating	
  to	
  the	
  incident,	
  
and	
  if	
  we	
  think	
  it	
  is	
  appropriate,	
  we	
  will	
  attempt	
  to	
  contact	
  the	
  emergency	
  services	
  and	
  request	
  that	
  they	
  attend.	
  
Please	
  note:	
  we	
  are	
  not	
  able	
  to	
  guarantee	
  that	
  the	
  emergency	
  services	
  will	
  attend	
  in	
  these	
  circumstances,	
  and	
  you	
  are	
  
still	
  obliged	
  to	
  notify	
  us	
  of	
  any	
  incident.	
  
	
  
Making	
  a	
  claim	
  
If	
  you	
  need	
  to	
  make	
  a	
  claim,	
  please	
  follow	
  these	
  steps:	
  	
  
1.	
  Please	
  call	
  us	
  on	
  0330	
  022	
  0123	
  as	
  soon	
  after	
  the	
  incident	
  as	
  possible.	
  
2.	
  Please	
  give	
  us	
  as	
  much	
  information	
  about	
  the	
  incident	
  as	
  you	
  can.	
  We	
  will	
  explain	
  what	
  your	
  Private	
  Car	
  Policy	
  
covers	
  and	
  if	
  you	
  have	
  to	
  pay	
  any	
  excess.	
  
3.	
  Wherever	
  possible,	
  speak	
  to	
  us	
  before	
  you	
  make	
  any	
  arrangements	
  for	
  replacement	
  or	
  repair.	
  
For	
  more	
  details	
  on	
  how	
  to	
  make	
  a	
  claim	
  please	
  see	
  your	
  Private	
  Car	
  Policy	
  Document.	
  
	
  
If	
  your	
  car	
  is	
  stolen	
  
The	
  in-­‐tele-­‐box	
  includes	
  GPS	
  technology	
  which	
  tells	
  us	
  the	
  location	
  of	
  your	
  car	
  which	
  can	
  help	
  us	
  find	
  it	
  if	
  it	
  is	
  stolen.	
  
If	
  your	
  car	
  is	
  stolen,	
  please	
  tell	
  the	
  local	
  police	
  and	
  obtain	
  a	
  crime	
  reference	
  number.	
  You	
  should	
  then	
  contact	
  us	
  on	
  
0330	
  022	
  0123.	
  We	
  will	
  confirm	
  your	
  details,	
  record	
  the	
  crime	
  reference	
  number	
  and	
  begin	
  to	
  monitor	
  the	
  location	
  of	
  
your	
  car,	
  liaising	
  with	
  the	
  police	
  as	
  appropriate.	
  
	
  
If	
  your	
  car	
  is	
  recovered	
  but	
  damaged,	
  or	
  not	
  recovered	
  at	
  all,	
  please	
  contact	
  the	
  claims	
  department	
  of	
  drive	
  like	
  a	
  girl	
  
on	
  0330	
  022	
  0123	
  and	
  we	
  will	
  help	
  you	
  with	
  your	
  claim.	
  
	
  
How	
  to	
  contact	
  drive	
  like	
  a	
  girl	
  
Please	
  go	
  to	
  www.drivelikeagirl.com	
  and	
  log	
  into	
  Your	
  Portal	
  where	
  you	
  can	
  use	
  Live	
  Chat.	
  
	
  
If	
  you	
  need	
  to	
  speak	
  to	
  us	
  please	
  call	
  one	
  of	
  the	
  following	
  numbers:	
  
	
  
For	
  sales	
  enquires	
                                                  0330	
  022	
  0200	
  
To	
  make	
  a	
  change	
  to	
  your	
  cover	
                      0330	
  022	
  0200	
  
	
                                                                      	
  
To	
  make	
  a	
  claim	
                                              0330	
  022	
  0123	
  
To	
  report	
  an	
  accident	
                                        0330	
  022	
  0123	
  
To	
  report	
  a	
  theft	
                                            0330	
  022	
  0123	
  
Any	
   calls	
   to	
   numbers	
   starting	
   03	
   cost	
   the	
   same	
   as	
   calls	
   to	
   numbers	
   starting	
   01	
   or	
   02	
   and	
   may	
   be	
   included	
   in	
   any	
  
inclusive	
  calls	
  package	
  you	
  may	
  have.	
  Drive	
  like	
  a	
  girl	
  does	
  not	
  earn	
  any	
  money	
  from	
  the	
  use	
  of	
  the	
  03	
  number.	
  
	
  
Contact	
  us	
  via	
  email:-­‐	
  
Customer	
  Services	
  -­‐	
  service@drivelikeagirl.com	
  
Claims	
  -­‐	
  claims@drivelikeagirl.com	
  
	
  
	
                                                          	
  




DLG	
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Or	
  you	
  can	
  write	
  to	
  us	
  at:	
  -­‐	
  	
  
Customer	
  Services	
  
Drive	
  like	
  a	
  girl	
  
PO	
  Box	
  1308	
  
Newcastle	
  
NE12	
  2BF	
  
	
  
Other	
  useful	
  numbers:-­‐	
  
Windscreen	
  Claims	
  -­‐	
  0330	
  022	
  9449	
  for	
  windscreen	
  and	
  glass	
  damage	
  claims.	
  
In-­‐tele-­‐box	
  Installations	
  –	
  0800	
  781	
  0988	
  if	
  you	
  need	
  to	
  make	
  an	
  appointment	
  to	
  have	
  an	
  in-­‐tele-­‐box	
  fitted	
  to	
  your	
  car.	
  
Aria	
  Assistance	
  -­‐	
  0844	
  338	
  5622	
  if	
  you	
  have	
  a	
  Road	
  Rescue	
  policy	
  and	
  require	
  Emergency	
  breakdown	
  assistance.	
  
Key	
  Protection	
  –	
  0871	
  230	
  1213	
  if	
  you	
  need	
  to	
  make	
  a	
  claim	
  under	
  your	
  Key	
  Protect	
  Policy.	
  
Premium	
  Credit	
  Ltd	
  –	
  0844	
  736	
  9836	
  if	
  you	
  have	
  any	
  queries	
  regarding	
  your	
  Premium	
  Credit	
  agreement	
  or	
  direct	
  
debits.	
  
	
  
Your	
  Policy	
  
The	
  level	
  of	
  cover	
  and	
  Extras	
  you	
  have	
  chosen,	
  together	
  with	
  any	
  endorsements	
  that	
  may	
  apply	
  to	
  your	
  Policy,	
  are	
  
shown	
  in	
  your	
  Schedule	
  of	
  Insurance.	
  Your	
  Policy	
  will	
  be	
  for	
  12	
  months	
  unless	
  specified	
  differently	
  in	
  your	
  Schedule	
  of	
  
Insurance.	
  
	
  
Most	
  claims	
  will	
  be	
  subject	
  to	
  an	
  excess,	
  which	
  is	
  the	
  amount	
  you	
  have	
  to	
  pay	
  towards	
  any	
  claim.	
  Your	
  Schedule	
  of	
  
Insurance	
  shows	
  the	
  excesses	
  applicable	
  to	
  you	
  and	
  any	
  other	
  driver	
  for	
  the	
  type	
  of	
  claim	
  made.	
  
	
  
Please	
  refer	
  to	
  the	
  Private	
  Car	
  Policy	
  Document	
  which	
  gives	
  details	
  of	
  how	
  you	
  can	
  contact	
  us	
  and	
  how	
  your	
  Policy	
  will	
  
work.	
  The	
  Private	
  Car	
  Policy	
  Document	
  also	
  explains	
  how	
  we	
  will	
  use	
  and	
  safeguard	
  your	
  personal	
  information,	
  our	
  
use	
  of	
  Fraud	
  Detection	
  and	
  Prevention	
  measures	
  and	
  our	
  legal	
  requirement	
  to	
  submit	
  your	
  Policy	
  details	
  to	
  the	
  Motor	
  
Insurance	
  Database.	
  
	
  
What	
  to	
  do	
  if	
  we	
  do	
  not	
  provide	
  the	
  expected	
  service	
                            	
  
We	
  aim	
  to	
  provide	
  a	
  high	
  level	
  of	
  service	
  and	
  we	
  want	
  you	
  to	
  tell	
  us	
  when	
  we	
  don’t.	
  We	
  take	
  all	
  complaints	
  we	
  receive	
  
seriously	
  and	
  aim	
  to	
  resolve	
  them	
  promptly.	
  We	
  welcome	
  your	
  feedback.	
  We	
  will	
  record	
  and	
  analyse	
  your	
  comments	
  
to	
  make	
  sure	
  we	
  continuously	
  improve	
  the	
  service	
  we	
  offer.	
  
	
  
If	
  we	
  don’t	
  meet	
  the	
  level	
  of	
  service	
  you	
  expect,	
  then	
  please	
  contact	
  our	
  customer	
  service	
  team	
  on	
  0330	
  022	
  0200*.	
  
We	
  will	
  do	
  everything	
  we	
  can	
  to	
  resolve	
  your	
  complaint	
  immediately	
  but	
  if	
  we	
  can’t	
  or	
  we	
  need	
  to	
  investigate	
  we	
  will	
  
explain	
  how	
  we	
  will	
  do	
  this	
  and	
  when	
  we	
  will	
  respond.	
  
	
  
*	
   Any	
   calls	
   to	
   numbers	
   starting	
   03	
   cost	
   the	
   same	
   as	
   calls	
   to	
   numbers	
   starting	
   01	
   or	
   02	
   and	
   may	
   be	
   included	
   in	
   any	
  
inclusive	
  calls	
  package	
  you	
  may	
  have.	
  The	
  party	
  you	
  call	
  on	
  a	
  03	
  number	
  will	
  not	
  earn	
  any	
  revenue	
  from	
  the	
  use	
  of	
  the	
  
number.	
  
	
  
If	
  we	
  cannot	
  resolve	
  your	
  complaint	
  over	
  the	
  telephone,	
  or	
  you	
  are	
  dissatisfied	
  with	
  our	
  proposals	
  to	
  resolve	
  your	
  
complaint	
  you	
  can	
  write	
  to	
  our	
  Complaints	
  Officer	
  acting	
  on	
  behalf	
  of	
  Catlin	
  at	
  the	
  following	
  address:	
  
	
  
Complaints	
  Officer	
  
Drive	
  like	
  a	
  girl	
  
PO	
  Box	
  1308	
  
Newcastle	
  upon	
  Tyne	
  
NE12	
  2BF	
  
	
  
Or	
  email	
  service@drivelikeagirl.com	
  
	
  
You	
  should	
  quote	
  the	
  Policy	
  Number	
  shown	
  on	
  your	
  Schedule	
  of	
  Insurance	
  and	
  explain	
  the	
  nature	
  of	
  your	
  complaint.	
  
	
  


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If	
  you	
  are	
  unhappy	
  with	
  our	
  final	
  decision	
  or	
  we	
  have	
  taken	
  8	
  weeks	
  or	
  more	
  to	
  resolve	
  your	
  complaint,	
  you	
  can	
  take	
  
the	
  matter	
  to	
  the	
  Financial	
  Ombudsman	
  Service	
  (FOS).	
  Please	
  note	
  that	
  the	
  FOS	
  will	
  only	
  consider	
  your	
  complaint	
  
before	
  8	
  weeks	
  has	
  elapsed	
  if	
  you	
  have	
  given	
  us	
  the	
  opportunity	
  to	
  resolve	
  your	
  complaint	
  and	
  we	
  have	
  issued	
  a	
  final	
  
decision.	
  The	
  FOS	
  can	
  be	
  contacted	
  at	
  the	
  address	
  shown	
  below:	
  
	
  
The	
  Financial	
  Ombudsman	
  Service	
  	
  
South	
  Quay	
  Plaza	
  
183	
  Marsh	
  Wall	
  
London	
  
E14	
  9SR	
  	
  	
  
	
  
By	
  email	
  at:	
  complaint.info@financial-­‐ombudsman.org.uk	
  
Or	
  by	
  phone	
  on	
  0800	
  023	
  4567	
  or	
  0300	
  123	
  9123.	
  
	
  
Whilst	
  we	
  are	
  bound	
  by	
  the	
  decision	
  of	
  the	
  FOS,	
  you	
  are	
  not.	
  Following	
  the	
  complaints	
  procedure	
  does	
  not	
  affect	
  your	
  
right	
  to	
  seek	
  and	
  take	
  legal	
  action.	
  
	
  
The	
  Financial	
  Services	
  Compensation	
  Scheme	
  
The	
  Insurer	
  is	
  a	
  member	
  of	
  the	
  Financial	
  Services	
  Compensation	
  Scheme	
  (FSCS).	
  You	
  might	
  be	
  entitled	
  to	
  
compensation	
  from	
  the	
  FSCS	
  if	
  the	
  Insurer	
  is	
  unable	
  to	
  meet	
  their	
  obligations.	
  Further	
  information	
  on	
  the	
  scheme	
  can	
  
be	
  obtained	
  at:	
  www.fscs.org.uk	
  
	
  
	
  




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