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Greenbee Upgraded
Replacement Car Policy
Wording
This policy is a contract between the underwriters and you, it is not intended that the Contracts (Rights of Third
Parties) Act 1999 gives anyone else any rights under this insurance policy or that any other person apart from you
has the right to enforce any part of it.
This is to confirm that IGI Insurance Company Ltd will provide the cover described below during the period of your policy.
Cover is subject to the terms and conditions that follow. Payment of the Replacement Car Cover premium, if required, must be
made before cover is provided.
Albany Vehicle Rentals Limited (AVR Ltd) or a supplier of AVR Ltd provides the benefits under this policy; but the contract is
between IGI Insurance Company Ltd and the policyholder.
The law applicable to this policy Insured incident
English law will apply to this policy unless we agree with A road traffic accident, fire, theft, attempted theft, malicious
you in writing otherwise. The contractual terms and damage, vandalism or a stolen recovered incident that
conditions and other information relating to this policy will makes the insured car a total loss (a write off) or
be in the English Language. immobilised as decided by the insurer of your Greenbee
Car Insurance if the damage is covered under the current
Greenbee Car Insurance policy or, by the third party you
Definitions are claiming against for your losses or, if a fault accident
by a garage who is a member of the Vehicle Builders &
Throughout this insurance policy the words and phrases Repairers Association (VBRA) or the Motor Vehicle
printed in bold type will have the meanings set out below. Repairers Association (MVRA) or another similar
recognised body. Alternatively, it is where the insured car
Definitions are listed alphabetically. is stolen and it is not found.
Appointed agents Insured person
Albany Assistance Ltd who will act on behalf of IGI A full driving licence holder aged at least 17 years and
Insurance Company Limited in connection with the policy covered on the current Certificate of Motor Insurance
and its administration and may monitor and record calls. issued through the participating agent (spouse includes
their common law and/or civil law partner).
Geographical limits
Participating agent
England, Wales, Scotland and Northern Ireland, Isle of Man
and the Channel Islands (for residents only). The insurance intermediary, firm or company who are
authorised to sell this policy to you on behalf of us and the
underwriters.
Immobilised
When the insured car is deemed to be lawfully unsafe to Period of insurance
drive or is undergoing repairs as a result of damage caused
in an insured incident. The period of the Greenbee Car Insurance policy which
runs at the same time as this policy and does not exceed
12 months.
Insured car
Any car insured through the participating agent that is Policy
covered under the current Certificate of Motor Insurance,
and for which a premium, if required, has been paid for This policy of insurance.
Greenbee Upgraded Replacement Car cover.
V3 January 10 1
Policyholder The replacement car must be returned to AVR Ltd or their
agents no later than the 21st day of hire.
The person who has taken out this policy.
How to claim your replacement car
Premium
Following an insured incident, you must report it
The payment, which needs to be paid to the participating immediately to Greenbee Car Insurance and to the police if
agent by you to get the benefit of this policy, except that the insured vehicle was stolen, suffered attempted theft
we or the participating agent may, at our/their absolute damage or malicious damage or vandalism.
discretion, waive your need to pay.
Please call Greenbee Car Insurance on 0845 610 0360 to
report the incident and to obtain your replacement car.
Provider
They will advise AVR Ltd, who will contact you to arrange
AVR Ltd the supply of a replacement car.
Replacement car Conditions
A car of no greater engine size than xxxxcc, subject to You should note that the following conditions apply in all
availability and as determined by AVR Ltd, within the circumstances:
geographical limits and subject to the level of cover
purchased. » You may be asked to pay a security/fuel deposit when
you collect the replacement car. This is refundable on
return, provided it is free from damage and has the
Third party same amount of fuel as when collected.
» When collecting the replacement car, the driver will
The other person(s) and/or party(s) responsible for the need to produce their full current driving licence and
insured incident, excluding the insured person and/or personal identification, e.g. phone bill.
policyholder (as defined in this policy). » You must have a valid Greenbee Car Insurance policy
to claim on this cover.
» Replacement cars are provided in line with AVR Ltd or
Underwriters its agent’s standard requirements, terms and conditions
which all drivers must meet.
IGI Insurance Company Ltd » A replacement car will only be provided once we get
confirmation from the insured persons’ car insurance
company or the third party or (at your expense) faxed
We/us/our confirmation from a garage who are a member of the
VBRA, MVRA or a similar recognised body, that the
Albany Assistance Ltd/AVR Ltd and/or the underwriters. insured car is a total loss (a write off) or immobilised.
The replacement car will not be provided until this
information is received.
You/your » If the insured car has been stolen, suffered attempted
theft damage or malicious damage or vandalism, you
The insured person must give a police crime reference number before a
replacement car can be provided.
» The insured person may have to provide
What is covered comprehensive insurance for the replacement car.
a) This insurance gives a single period of up to 21 days of We must draw your attention to the additional terms and
continuous replacement car hire within the conditions of AVR Ltd, which are held by your
geographical limits following each insured incident participating agent, and can be viewed on request. They
during the period of insurance and within those may affect the provision of the replacement car.
geographical limits.
b) A maximum of 2 claims in the period of insurance can
be made.
You may extend the hire by contacting Albany Assistance
on 0800 085 8134 who will then contact AVR Ltd to
arrange this. A discounted rate is available.
2 V3 January 10
What is not covered Cancellation right
The following are not covered under this insurance: You may cancel your policy within 14 days of buying the
policy or upon receipt of the policy documents (whichever
a) All fuel, fares, fines and fees relating to the is the latter) and get a full refund of any premium paid,
replacement car while you hire it. subject to no claim being made upon the policy. If you do
b) Any claim where the insured car was being used for not exercise your right to cancel the policy, it will continue
hire or reward. in force for the term of the policy and you will be required
c) Any claim where the insured car insurer does not to pay any premium due.
provide cover under the terms of the underlying
Greenbee Car Insurance policy. If you wish to cancel the policy after this 14 day period, no
d) Any further hire charges due after the first 21 days’ hire, refund of premium paid will be provided.
or when the insured car becomes mobile, whichever
comes first. We and your participating agent can cancel this policy at
e) Any claim where the insured car has been stolen, any time as long as we/your participating agent tell you
suffered attempted theft damage or malicious damage at least 21 days before.
or vandalism and has not been reported to the police.
f) Any occurrence due to natural causes which could not Please contact:
be anticipated or guarded against .
g) Any claim reported to us more than 14 days after the Greenbee Car Insurance
insured incident. Prospect House
h) Any claim for a replacement car more than 5 days Gordon Banks Drive
after the insured car has been determined as Trentham Lakes North
immobilised or a total loss (a write off). Stoke on Trent
i) Sea transit charges for the delivery and collection of the ST4 4TW
replacement car.
j) Any claim due to a deliberate non-disclosure or criminal if you wish to cancel this policy.
act, which is found to the provider’s satisfaction to be
of a fraudulent or false nature. The insured person will Alternatively you can telephone them on 0845 610 0360.
be held responsible for any costs paid or due where this
happens.
k) Any excess payable in the event of a claim involving the How to make a complaint
replacement car.
l) Any insured incident, which happened before the Albany Assistance and the underwriters (IGI Insurance
policy started. Company Ltd) are committed to dealing with customer
m) Any claim that arises from your unlawful use of drink or complaints in a fair and prompt way. Complaints can be
drugs. made verbally or in writing.
n) Any claim covered under any other policy, or any claim
that would have been covered by another policy if this If you have a complaint, you can contact Albany
policy did not exist. Assistance. They will contact you within 5 days of receiving
your complaint to tell you what action is being taken. They
will try to resolve the problem and give you an answer
Notice to the insured person within 4 weeks. If it will take longer than 4 weeks then you
will be told when you can expect an answer.
a) You must take all reasonable steps to keep down the
costs of the claim. It is our experience that most complaints can be resolved
b) You must pay to the provider any costs, charges or by speaking to the staff directly responsible for your
fees recovered from the third party to the extent of the policy. Please call Albany Assistance by telephone on
sums indemnified under this policy. 0800 077 8165 or in writing to:
c) You should take all reasonable action possible to
recover any costs, charges or fees the provider may The Quality Compliance Executive
have paid or is due to pay. If any amounts are Albany Assistance Ltd
recovered they must be paid to the provider. Redmond House
d) When hire of a replacement car ends, the provider Fern Court
can take over and if necessary take proceedings in Bracken Hill Business Park
your name to recover the hire costs from the third Peterlee
party. Co Durham
SR8 2RR.
Albany Vehicle Rentals Limited is the provider of the
benefits provided by the Replacement Car cover; but the
contract is between the underwriters and the
policyholder.
V3 January 10 3
The underwriters can be contacted by writing to: Whole agreement
The Managing Director Albany Assistance Ltd (FSA Registration: 312423),
IGI Insurance Company Ltd Redmond House, Fern Court, Bracken Hill Business Park,
Market Square House Peterlee, County Durham SR8 2RR administer policy
St James’s Street cover to customers of Greenbee which is a trading name of
Nottingham John Lewis plc who is an appointed representative of Fortis
NG1 6FG Insurance Limited, Fortis House, Tollgate, Eastleigh,
Hampshire, SO53 3YA (FSA Registration: 354568). The
Telephone: 0115 941 1022. policy cover is underwritten by IGI Insurance Company Ltd
(FSA Registration: 202189), Market Square House, St
If Albany Assistance or the underwriters have not given James’s Street, Nottingham, Nottinghamshire NG1 6FG.
you an answer within 8 weeks, you will be told how you (Home State: United Kingdom).
can take your complaint to the Financial Ombudsman Albany Vehicle Rentals Limited (AVR Ltd) Head Office,
Service for review. Fleet House, Wilcock Road, Old Boston Trading Estate,
Haydock, St Helens, Merseyside WA11 9SJ (or a supplier
If after making a complaint, you are still unhappy, as the of AVR Ltd) provides the benefits under this policy.
complaint has not been resolved to your satisfaction, you
have the right to refer the complaint to the Financial IGI Insurance Company Limited, who underwrite this
Ombudsman Service. The contact information is: insurance are covered by the Financial Services
Compensation Scheme. You may be entitled to
The Financial Ombudsman Service compensation from the scheme if they cannot meet their
South Quay Plaza obligations. This depends upon the type of insurance and
183 Marsh Wall the circumstances of the claim. Most insurance contracts
London are covered for 90% of the claim. Further information is
E14 9SR available from the Financial Services Authority or the
FSCS. The FSCS can be visited on the web at
Telephone 0845 080 1800 www.fscs.org.uk or by contacting the FSCS on 020 7892
E-mail: enquiries@financial-ombudsman.org.uk 7300.
This complaints procedure does not affect any legal rights Signed for and on behalf of IGI Insurance Company Limited
you may have.
K W WARDELL Managing Director
4 V3 January 10
