Hire Car Cover Third Party Fire and Theft Cover DemanDs anD neeDs statement This Policy meets the demands and needs of a driver whose vehicle has been rendered a total loss in a road traffic accident or stolen recovered incident or had their vehicle stolen and it remains unrecovered and who will be using the replacement vehicle facility provided by Albany Vehicle Rentals Ltd. This Policy will cover You against the replacement vehicle hire charges within the terms and conditions of Your Diamond Hire Car Cover, which are not recoverable from any Third Party. Diamond does not make personal recommendations as to the suitability of the Policy to individual circumstances. Policy Summary ® Hire Car Cover • A Hire Car for when the Insured Vehicle (third Party Fire and theft) is rendered a total loss through an This Policy summary does not contain full Insured Incident (Section 1 Definitions: terms and conditions of the cover, which Insured Incident) can be found in the Policy document. • A Hire Car for when the Insured Vehicle It is important that You read the Policy has been stolen and not recovered document carefully which follows this (Section 1 Definitions: Insured Incident) Policy Summary. significant and Unusual name of the Insurance exclusions or Limitations: Undertaking • A maximum of two claims can be Admiral Insurance (Gibraltar) Limited, Suite made within the Period of Insurance 3G, Eurolife Building, 1 Coral Road, Gibraltar. (Section 2: What is Covered?) type of Insurance and Cover • The Insured Person must be a full driving licence holder aged 18 years Hire Car Cover and over (Section 1 Definitions: Insured The Diamond Hire Car Policy provides Person) insurance to cover the funding of vehicle The following are not covered under this hire charges to help You stay mobile Policy: following a road traffic accident or recovered theft which renders the Insured • All fuel, fares, fines and fees relating to Vehicle a total loss or where that vehicle is the Hire Car whilst in Your possession stolen and remains unrecovered, all within (Section 5: What is not Covered? a.) the Territorial Limits. • Any claim where the Insured Vehicle was being used for hire or reward significant Features and Benefits: (Section 5: What is not Covered? b.) • A single period of up to 14 days • Any claim where the Insured Vehicle of continuous vehicle hire has been stolen which has not been (Section 2: What is Covered?) reported to the Police (Section 5: What • A Group A (ABI Group S1/S2) vehicle is not Covered? e.) provided by AVR Ltd, within the • Any claim reported to EUI Ltd Territorial Limits (e.g. 1.0 litre car) more than fourteen days after (Section 1 Definitions: Hire Car) the Insured Incident (Section 5: What is not Covered? g.) Page 1 Duration If we have given you our final response and you are still unhappy, or more than 8 weeks The period of the Third Party Fire and have passed since we received your original Theft motor insurance policy which runs complaint, you may refer your complaint to concurrent with this Policy and does the Financial Ombudsman Service (FOS) at not exceed twelve months (Section 1 South Quay Plaza, 183 Marsh Wall, London Definitions: Period of Insurance). E14 9SR. Tel: 0845 080 1800. Your right to cancel Financial services Compensation scheme You may cancel Your policy and receive a full refund providing You inform Us within EUI Ltd are covered by the Financial Services the 14 days after You receive the policy Compensation Scheme (FSCS). If EUI Ltd terms and conditions. You may cancel this were unable to meet their obligations You policy after this period but we reserve the may be entitled to compensation from right to charge a cancellation fee. the scheme, depending on the type of insurance and circumstances of any claim. Please contact EUI Ltd, Capital Tower, Cover for the claim or policy is provided at Greyfriars Road, Cardiff CF10 3AZ or call 90%. Further information can be obtained 0871 882 2200. from www.FSCS.org.uk Claim notification Admiral Insurance (Gibraltar) Limited is licensed and regulated by the Gibraltar To make a claim please call the Claims Line Financial Services Commission under the 0844 543 4420. Insurance Companies Act 1987 of Gibraltar. Admiral Insurance (Gibraltar) Limited is a How to make a Complaint member of the FSCS. If Admiral Insurance Any enquiry or complaint regarding (Gibraltar) Limited is unable to meet their this policy should be addressed to: obligations to you under this contract you The Quality Executive, EUI Limited, may be entitled to compensation from Capital Tower, Cardiff CF10 3AZ. the FSCS. Cover for the claim or policy is Tel: 0800 952 1300. provided at 90%. Email: firstname.lastname@example.org Page 2 IMPORTANT Your Hire Car Policy Association (MVRA) or another similar recognised body. Alternatively, it is where This is to confirm that Admiral Insurance the Insured Vehicle has been stolen and (Gibraltar) Limited will provide the cover remains unrecovered. described below during the Period of Insurance. Cover is subject to the terms and Insured Person/You/Your conditions that follow. Payment of the Hire A full driving licence holder aged 18 years Car Premium must be paid before cover is and over who appears on the current provided. Third Party Fire & Theft certificate of motor insurance issued by EUI Ltd. Albany Vehicle Rentals Ltd (AVR Ltd) or a supplier of AVR Ltd provides the benefits Insured Vehicle under this Policy, however the insurance Any motor vehicle insured with EUI Ltd that contract is between Admiral Insurance appears on a current Third Party Fire & Theft (Gibraltar) Limited and the Policyholder. certificate of motor insurance, and for which a Premium has been paid for Hire Car cover. 1. Definitions Participating agent Please find below an explanation of the EUI Limited who are authorised to accept words used in this insurance Policy: insurance, collect premiums and issue policies on behalf of the Underwriters. appointed agents Albany Assistance Ltd who will act on Period of Insurance behalf of the Underwriters in connection The period of the Third party Fire & with the Policy and its claims administration Theft motor insurance policy which runs and may monitor and record calls for Your concurrent with this Policy and does not protection and theirs. exceed 12 months. Hire Car Policy A Group A (ABI Group S1/S2) vehicle This Policy of insurance. as determined by AVR Ltd, within the Policyholder Territorial Limits (e.g. 1.0 litre car). The person, firm or company who has Insured Incident taken out this Policy and has paid the A road traffic accident or stolen recovered Premium due. incident within the Territorial Limits that Premium renders the Insured Vehicle a total loss as The payment, which needs to be paid to determined by EUI Limited if the damage the Participating Agent by You to get the is covered under their current motor benefit of this Policy. insurance policy OR, by the Third Party You Provider are claiming against for Your losses OR, AVR Ltd supplies the Hire Car. if a fault accident by a garage who are a member of the Vehicle Builders Association Albany Assistance Ltd who administer (VBRA) or the Motor Vehicle Repairers claims. Page 3 territorial Limits later than the 14th day of hire (whichever Great Britain, Northern Ireland, Isle of Man comes first). and the Channel Islands (for residents only). third Party 3. How to Claim Your Hire Car The other person(s) and/or party(s) Following an Insured Incident, You must responsible for the Insured Incident, report it immediately to EUI Ltd and to the excluding the Insured Person and/or Police if the Insured Vehicle was stolen. Policyholder (as defined in this Policy). Please only call the Claims Line on Underwriters 0844 543 4420 to obtain Your Hire Car. Admiral Insurance (Gibraltar) Limited, Suite EUI Ltd will advise AVR Ltd, who will contact 3G, Eurolife Building, 1 Coral Road, Gibraltar. You to arrange the supply of a Hire Car. Home State: Gibraltar. We/Us/Our 4. Conditions Albany Assistance Ltd/AVR Ltd and/or the You should note that the following Underwriters. conditions apply in all circumstances: 2. What is Covered? a. a security/fuel deposit is payable by You on collection of the Hire Car. This is • This insurance provides for a single refundable upon its return provided it period of up to 14 days of continuous is free from damage and has the same car hire within the Territorial Limits amount of fuel as when collected following an Insured Incident during the Period of Insurance and within those b. when taking possession of the Hire Car, Territorial Limits the driver will need to produce their full current driving licence and personal • A maximum of two claims in the Period identification, e.g. phone bill of Insurance can be made c. You must have a valid Third Party Fire & You may extend the hire by contacting Theft motor insurance with EUI Ltd to Albany Assistance Ltd on 0800 085 8134 take advantage of this cover who will then contact AVR Ltd to make arrangements. A discounted rate is available d. Hire Cars are provided in accordance to EUI Ltd customers. with AVR Ltd or its agent’s standard requirements, terms and conditions The Hire Car must be returned to AVR Ltd or its designated agent no later than 48 hours e. a Hire Car will only be provided once after payment is issued to the Policyholder confirmation is received from EUI Ltd OR based on EUI Ltd’s total loss valuation of (at the Insured Person’s expense) faxed their claim should the damage be covered confirmation from a garage who are a under Your motor insurance policy OR member of the VBRA, MVRA or a similar issued by the Third Party or Third Party recognised body, that the Insured Insurers You are claiming against, OR no Vehicle is a total loss, not before Page 4 f. if the Insured Vehicle has suffered h. any claim for a Hire Car more than theft damage or been stolen You must fourteen days after the Insured Vehicle supply a Police crime reference number has been determined a total loss before a Hire Car can be provided i. sea transit charges in the delivery and g. the Insured Person may have to collection of the Hire Car provide comprehensive insurance j. any claim arising out of a deliberate or for the Hire Car criminal act or omission, which is found We must draw Your attention to the to the Provider’s satisfaction to be of a additional terms and conditions of AVR fraudulent or false nature. The Insured Ltd, which are held by EUI Ltd, and can be Person will be held responsible for any viewed on request. They may affect the costs paid or incurred as a result provision of the Hire Car. k. any excess payable in the event of a claim involving the Hire Car 5. What is not Covered? l. any Insured Incident which took place The following are not covered under outside of the Period of Insurance this insurance: a. all fuel, fares, fines and fees relating to 6. notice to the Policyholder/ the Hire Car whilst in Your possession Insured Person b. any claim where the Insured Vehicle subrogated Rights was being used for hire or reward a. The Insured Person must take all c. any claim where EUI Ltd do not provide reasonable steps to mitigate the indemnity under the terms of the costs of the claim underlying motor policy b. The Insured Person must pay to the d. any further hire charges incurred after Underwriters any sums by way of costs, 14 days, or more than 48 hours after charges or fees directly recovered from payment is issued under the terms of the Third Party to the extent of the sums the underlying motor policy for a total indemnified under this Policy loss or theft unrecovered, whichever c. The Insured Person must take all action comes first possible to recover any costs, charges or e. any claim for theft which has not been fees the Underwriters may have paid reported to the Police or be liable to pay and pay any such amounts recovered to the Underwriters f. act of God, attempted theft, fire, malicious damage or vandalism d. Upon conclusion of the hire of a replacement car the Underwriters can g. any claim reported to EUI Ltd more than take over and if necessary conduct fourteen days after the Insured Incident proceedings in the name of the Insured Person to recover the hire costs of the Hire Car from the Third Party Page 5 Governing Law and Language Financial services Compensation This insurance shall be subject to English scheme Law, unless specifically agreed to the EUI Ltd are covered by the Financial Services contrary. All communication is to be Compensation Scheme (FSCS). If EUI Ltd conducted in English. were unable to meet their obligations You may be entitled to compensation from Cancellation Rights the scheme, depending on the type of insurance and circumstances of any claim. Subject to you not making a claim on Cover for the claim or policy is provided at this product, you have 14 days from the 90%. Further information can be obtained receipt of the welcome policy to cancel from www.FSCS.org.uk the product. Should you cancel outside the 14 day cancellation period, additional Admiral Insurance (Gibraltar) Limited is charges, including a £5 cancellation fee will licensed and regulated by the Gibraltar apply for the time on cover. We reserve the Financial Services Commission under the right to amend this fee at any time without Insurance Companies Act 1987 of Gibraltar. notice. Please contact EUI Ltd, Capital Tower, Admiral Insurance (Gibraltar) Limited is a Greyfriars Road, Cardiff CF10 3AZ or call member of the FSCS. If Admiral Insurance 0871 882 2200. (Gibraltar) Limited is unable to meet their obligations to you under this contract you Cancellation may be entitled to compensation from the FSCS. Cover for the claim or policy is The Insurer may at any time cancel Your provided at 90%. policy sending 7 days notice to You at Your last known address. Whole agreement How to make a Complaint Supplied by EUI Ltd (FSA Registration No 309378), Capital Tower, Greyfriars Road, Any enquiry or complaint regarding this Cardiff CF10 3AZ, and is administered by policy should be addressed to: Albany Assistance Ltd (FSA Registration The Quality Executive, EUI Limited, No 312423) Redmond House, Fern Court, Capital Tower, Cardiff CF10 3AZ. Bracken Hill Business Park, Peterlee, Tel: 0800 952 1300. Co Durham SR8 2RR and is underwritten by Email: email@example.com Admiral Insurance (Gibraltar) Limited, Suite If we have given you our final response and 3G, Eurolife Building, 1 Coral Road, Gibraltar. you are still unhappy, or more than 8 weeks Home State: Gibraltar. have passed since we received your original complaint, you may refer your complaint to the Financial Ombudsman Service (FOS) at South Quay Plaza, 183 Marsh Wall, London E14 9SR. Tel: 0845 080 1800. Page 6 EUI Limited and Albany Assistance Limited are authorised and regulated by the Financial Services Authority. Admiral Insurance (Gibraltar) Limited is licensed and regulated by the Gibraltar Financial Services Commission under the Insurance Companies Act 1987 of Gibraltar. The Hire Car is provided by Albany Vehicle Rentals Ltd. Head Office: Fleet House, Wilcock Road, Old Boston Trading Estate, Haydock, St Helens, Merseyside WA11 9SJ. For general advice about an incident or cover under this Policy please call us on 0871 882 2200. Page 7 Notes DIAN20 0110 This booklet is made from recycled paper.