Hire Car Cover

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					 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: quality@diamond.co.uk




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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: quality@diamond.co.uk
                                                      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




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