RSA Portfolio is underwritten by Royal _ Sun Alliance Insurance

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					Welcome to RSA Portfolio
Thank you for choosing RSA Portfolio to handle your insurances. When you deal with RSA
Portfolio, you can be sure everything will be simple and straightforward.


About your RSA Portfolio Policy

This Policy is administered by RSA Portfolio and is provided by and underwritten by Royal &
Sun Alliance Insurance Plc (RSA). Traditionally you buy a separate policy every time you
want to insure a risk. RSA portfolio provides you with the opportunity to cover your
general insurance needs in one policy. Some parts of your policy wording describe how your
policy operates in general, other parts specifically relate to the type of cover purchased,
motor, home, etc. When you want to insure a risk through RSA Portfolio you go on line to
buy. You can then see your documentation on line to confirm your purchase and to be
read in conjunction with the appropriate cover section of your policy wording.

Your policy is made up of the record of information that you have provided to RSA
Portfolio, the declaration(s) you have made to RSA Portfolio, along with your policy
wording, and your schedules (and your motor certificates). Please read them all to avoid
any misunderstandings.

If you do not meet your part of the contract, RSA may turn down a claim or increase the
premium, or you may find that you are not insured.

RSA Portfolio hope you are happy with your policy. If you are not, please follow the on line
cancellation instructions.

In taking out this policy you have not been given a personal recommendation by RSA
Portfolio as to whether covers are suitable for your needs.

At RSA Portfolio, we are committed to going the extra mile for our customers and wherever
possible, exceeding their expectations. If you believe that we have not delivered the service
you expected or you are concerned about any aspect of the service provided to you, then
please let us know, by contacting RSA Portfolio on 0191 256 1011 or write to us at Selfnet
Limited , No 1@ S.V.Rutter Business Centre, 126, Great Lime Road, Westmoor. Newcastle-
Upon-Tyne NE12 6RU or email to customerservices@selfnet.co.uk or go to the “Contact Us”
page




RSA Portfolio is underwritten by Royal & Sun Alliance Insurance plc (No. 93792). Registered in
England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and
regulated by the Financial Services Authority (Registration No. 202323).

Calls may be recorded and monitored.
Policy Wording

Your policy wording describes the contract between you and RSA, and in return for the
premium RSA will insure you during the insurance period under the terms and conditions
set out in your policy wording. This wording, together with your schedules, gives you the
details of what your policy does and does not insure. They also contain information about
the 24-hour helplines and how to make a claim.
Policy definitions
The words defined below will have the same meaning wherever they are shown in your
policy wording in bold print. Other important words such as premium and claim are
hyperlinked to their definition.

We, us, our           Royal & Sun Alliance Insurance plc and anyone we may appoint to
                      act on our behalf.
                      Royal & Sun Alliance Insurance plc (No. 93792). Registered in
                      England and Wales at St Mark's Court, Chart Way, Horsham, West
                      Sussex RH12 1XL. Authorised and regulated by the Financial Services
                      Authority.
You, your             The person or people named as policyholder on your schedules
                      (and your certificate of motor insurance).
Insurance Period      The period applicable to a risk starting and ending on the dates
                      shown in your risk schedule. It also includes any further period
                      which you pay for, and for which we accept your premium.
British Isles         The British Isles are:
                      •       Great Britain;
                      •       the Republic of Ireland;
                      •       Northern Ireland;
                      •       the Isle of Man;
                      •       the Channel Islands; and
                      •       journeys by water, sea, air or rail within or directly between
                      any of these areas.
Endorsement           A change we or our agent make in writing to the policy.
Cover/Risk            Motor, home etc./a car, a house etc.
Schedule              New insurance, endorsement, renewal or review notice. These
                      documents describe you, anyone else insured, and any special
                      details of your insurance such as excesses, cover limits or special
                      terms and conditions.
Excess –              The first part of any claim which you must pay. We will take off both
Voluntary and         the voluntary and the compulsory excess applicable from the amount
Compulsory            we pay you to settle your claim

Parts applicable to the Policy as a whole

About your policy
Statement of Insurance
Law and language applicable to the contract
Policy conditions
Premiums and payments
Renewal
Cancellation
Claims
Policy exclusions
Complaints
Parts applicable to RSA Portfolio Covers specifically

Home Cover
Travel Cover
Motor Cover
Classic Car Cover
The RSA Portfolio Policy

About your policy
Please read this policy wording carefully. It gives full details of cover, limits and any
conditions. Your schedules should be read in conjunction with the policy wording, they
show which sections of the policy apply to you, the sum insured, the premium you will pay
and any special terms which apply.
The RSA Portfolio policy is underwritten by Royal & Sun Alliance Insurance plc in the United
Kingdom.

Statement of Insurance
Please carefully check the information you have given RSA Portfolio including the
assumptions made. You can see this on line in the statement of fact. This information forms
the basis of your insurance contract.
All your answers to our questions are material facts and provided you have answered them
to the best of your knowledge and belief, we consider that you have fulfilled your
requirement to disclose material facts. If you are not sure whether to report any change, or
if any of these details are incorrect or change you must tell RSA Portfolio immediately. We
may reassess your cover, terms and premiums when we are told about changes in
circumstances. If you do not tell RSA Portfolio about any changes, or supply information
that is not true to the best of your knowledge or fail to disclose material facts, this may
result in your policy being invalid, you may not be insured in the event of a claim or your
insurance may be affected.

Policy Year
A RSA Portfolio policy has a normal insurance period of twelve months so your legal
contract is for that period. However, risks added during your RSA Portfolio year will only
run short term through to the common expiry date (determined by your first cover) and
they will be charged a pro rata premium accordingly (except for RSA Portfolio Travel which
is always payable in full).

Law Applicable to the Contract
UK law allows the parties to this contract a choice of the Law applicable to the contract. This
contract is governed by Scottish Law if you live in Scotland and English Law if you live
elsewhere in the UK except as specified to the contrary elsewhere in this policy wording. By
paying your premium you are accepting our choice of law. If you want any other law to
apply, you must have our written permission.

Policy Conditions
These are the policy Conditions you must keep to as your part of the contract. You should
also refer to any conditions shown under the Home, Travel, Motor and Classic Car covers.

Premiums and payments
Premiums are inclusive of Insurance Premium Tax.
You can pay your premium either in full by credit/debit card, or you can pay by monthly
direct debit without charge.
RSA Portfolio takes just one payment per month for all your risks together. The amount
taken may well vary from month to month as you change what you buy.
We reserve the right to cancel your policy in the event that there is a default in instalment
payments due under any linked loan agreement. If you miss a monthly premium due to
insufficient funds, RSA portfolio will e-mail you notice asking you to pay the premium you
have missed. If you do not pay the premium you have missed by the date given in the
notice, RSA portfolio will cancel every risk under your policy.
If you cancel a direct debit instruction without notifying RSA Portfolio, RSA Portfolio will
cancel every risk under your policy. If you have made a claim against a risk, then the
remaining premium due for that risk remains payable.

Renewal
All your RSA Portfolio risks renew on the same day. At least 30 days before, RSA Portfolio
will e-mail you and tell you on line the premiums, terms and conditions that will apply. If
you want to make any change then simply log in and amend as applicable.
RSA Portfolio will renew each risk automatically and continue collecting premiums unless
you notify RSA Portfolio that you wish to cancel.

Cancellation
We may cancel a risk
If we do this, we will write to you at your last known address. In our letter we will
confirm that all insurance for the risk will end 7 days after the date on the letter. For Motor
risks please refer to the Certificate of motor insurance condition.

Your right to cancel a risk from its inception
All policy documentation is shown to you on line. If you decide not to proceed with a risk
you will have 14 days to cancel that risk from when it started.
To cancel, simply log in and follow the instructions from the link “remove”. We will refund
any premiums already paid for that risk, except when you have already made a claim
under that risk in which case the full premium remains payable. For Motor risks please refer
to the Certificate of motor insurance condition. If you cancel Home cover, Travel cover will
also be cancelled.

To cancel a risk at any other time
To cancel, simply log in and follow the instructions from the link “remove”. No refund will be
allowed for travel cover. We will refund any premiums already paid for the remaining period
of any other risk, except when you have already made a claim under that risk in which
case the full premium remains payable. For Motor risks please refer to the Certificate of
motor insurance condition. If you cancel Home cover, Travel cover will also be cancelled.

Claims
For all claims you should contact us direct on the numbers shown below.

Should you wish to claim under your Home cover you should call:
 Claims Helpline (9-5, Mon-Fri): 0870 165 0521, or
Emergency Assistance (Out of hours): 0870 607 6513
Legal Advice (quoting scheme code 70446): 01455 896 143
Counselling Services: 01455 896 143
Medical Helpline: +44 (0)208 763 3325 as soon as possible.
Should you wish to claim under your Travel cover you should call:
Travel Helpline: +44 (0)870 165 0521
Emergency Medical Helpline: +44 (0)208 763 3008 as soon as possible.
Should you wish to claim under your Motor or Classic Car cover you should call:
UK Claims Helpline (9-5, Mon-Fri): 0845 071 2962, or
UK Claims Helpline (Out of hours): 0800 096 4567
Euro Helpline: +44 (0)870 010 4567
Glass Helpline: 0800 096 3456 as soon as possible.

You must give us any information or help that we ask for. You must not settle, reject,
negotiate or agree to pay any claim without our written permission. Full details of how to
claim are included in the policy wording under the applicable cover.
Policy exclusions
These are the exclusions which apply to all the sections of your policy. You should also refer
to any exclusion shown under the Home, Travel, Motor and Classic Car covers.

Radioactive contamination
Any claim or expense of any kind caused directly or indirectly by:
–      ionising radiation or radioactive contamination from any nuclear fuel or waste which
       results from the burning of nuclear fuel; or
–      the radioactive, toxic, explosive or other dangerous properties of nuclear machinery
       or any part of it.

War risks
Any loss damage or liability caused by any sort of war, invasion, riot, revolution or any
similar event, except as required under road traffic laws.

Sonic bangs
Any loss or damage by pressure waves caused by aircraft or other flying objects moving at
or above the speed of sound.

Pollution or contamination
Any claim or expense of any kind resulting directly or indirectly from pollution or
contamination which:
–      was the result of an intentional act; or
–      was expected or should have been expected; or
–      was not caused by a sudden incident; or
–      was not during any insurance period.

Existing and deliberate damage
We will not pay for any loss or damage which happened before this cover starts or which
arises from an event before cover starts, or any loss caused deliberately by any of your
family.

Date change and computer viruses
This insurance does not cover direct or indirect liability, loss or damage caused:
–       to equipment by its failing correctly to recognise data representing a date in such a
        way that it does not work properly or at all; and
–       by computer viruses.
This exclusion does not apply to claims brought under the Legal expenses section of the
policy.

Terrorism
This insurance does not cover any loss, damage, liability, cost or expense of any kind
directly or indirectly caused by, resulting from or in connection with any act of terrorism.

For the purpose of this exclusion, „terrorism‟ means the use, or threat of use, of biological,
chemical and/or nuclear force or contamination by any person(s), whether acting alone or
on behalf of or in connection with any organisation(s) or government(s), committed for
political, religious, ideological or similar purposes including the intention to influence any
government(s) or put any section of the public in fear.
Complaints

If You are unhappy with the details as set out in this policy or when making a claim then
please contact us by telephone: 0800 107 6160 or by writing to us at:

Customer Relations Office
RSA
Bowling Mill
Dean Clough Industrial Park,
Halifax
HX3 5WA

Fax: 01422 325146
Email: crt.halifax@uk.rsagroup.com

We promise to:

–   Fully investigate your complaint

–   Keep you informed of progress

–   Do everything possible to resolve your complaint

–   Learn from our mistakes

– Use the information from your complaint to proactively improve our service in the future.

We aim to resolve your concerns within 24 hours. Experience tells us that most difficulties
can be sorted within this time.

In the unlikely event that your concerns have not been resolved within this time, we will
issue a letter acknowledging your complaint, letting you know the reasons why and we will
continue to keep you well informed of the further actions we will be taking to reach a
suitable conclusion.
If you continue to be unhappy with our proposed course of action, you can progress your
complaint with our Customer Relations Team who will conduct a separate investigation and
full review, that will be concluded by us issuing a final response letter.

If you are still not happy
If you are still not satisfied after the review, or you have not received a written offer of
resolution within 8 weeks of the date we received your complaint, Royal & Sun Alliance
Insurance plc is regulated by the Financial Services Authority whose arbitration service is the
Financial Ombudsman Service and you can refer your complaint to them.

They can be contacted at:

Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone: 0845 080 1800

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

You must approach the Financial Ombudsman Service within 6 months of our final response
to your complaint. We will remind you of the time limits in our final response.

Your rights as a customer to take legal action remain unaffected by the existence or use of
any complaints procedures referred to above. However, the Financial Ombudsman Service
will not adjudicate on any cases where litigation has commenced.

Thank you for your feedback
We value your feedback and at the heart of our brand we remain dedicated to treating
our customers as individuals and giving them the best possible service at all times. If we
have fallen short of this promise, we apologise and aim to do everything possible to put
things right.
RSA Portfolio Home Cover
Words with special meanings
Guidance when making a Home claim

Contents

General information
Helplines
How to make a claim
What we will do

Details of your cover
We have set out “What is insured” on the left of each page and “What is not insured” to the
right.

Emergency assistance
Buildings
Trees, shrubs, plants and lawns
Contents
Contents extra cover
Contents – claims settlement

Cover information

Claims conditions
Cover conditions including premium payment and cancellation
Cover exclusions


Legal Expenses
Words with special meanings
Any word defined below will have the same meaning wherever it is shown in your Home
cover in bold print.
Word                      Meaning
Accidental damage         Visible damage which has not been caused on purpose.
Buildings                 The home, its garages, greenhouses and outbuildings, statues
                          and fountains cemented into the ground, patios, terraces,
                          footpaths, drives, swimming pools, tennis courts, walls, fences,
                          gates, hedges, and drains, pipes, cables and underground tanks
                          which your family are legally responsible for, including fixtures
                          and fittings, all on the same site and all used for domestic
                          purposes or for clerical business work only.
                          Buildings does not include the following:
                          –        aerials, satellite receiving equipment, their fittings or
                                   masts.
Business equipment        Furniture, office machines, office equipment and stationery
                          which belong to, or are the legal responsibility of any of your
                          family and which you keep in your home. All of these items
                          must be connected to a business you run from your home.
Business materials        Business materials used for clerical purposes only and stock
and stock                 which you sell or supply as part of a business you run from
                          your home.
Business petty cash       Current bank notes and coins you keep in the home for a
                          business you run from your home.
Business property         Business equipment, business materials and stock, and
                          business petty cash, which belong to, or are the legal
                          responsibility of any of your family and which you keep in
                          your home. All of these items must be connected to a business
                          you run from your home
Children’s                Any motorcycle with a 50cc or less engine which has not been
motorcycles               registered to use on a public road
Computer viruses          Any program or software which prevents any operating system,
                          computer program or software working properly or working at
                          all.
Contents               Household goods (including antiques), valuables, business
                       property, aerials and satellite receiving equipment owned by
                       any of your family or domestic employees who live with you,
                       or for which they are legally responsible, including personal
                       money, travel tickets, credit cards and visitor‟s personal
                       belongings not otherwise insured (up to the limits shown on
                       your summary of limits).

                       Contents does not include the following:
                       –     motorised vehicles (other than garden machinery,
                             children’s motorcycles, quad bikes and pedestrian-
                             controlled vehicles used in and about the home),
                             caravans, trailers, aircraft, hovercraft, jet skis or boats,
                             or parts or accessories for any of them (other than
                             entertainment equipment you can take with you when
                             you leave your vehicle);
                       –     landlord‟s fixtures and fittings which you are responsible
                             for;
                       –     animals;
                       –     plants, shrubs, trees and lawns in the garden;
                       –     any items for which special insurance cover has been
                             arranged by any of your family;
                       –     garden ornaments and fountains which are fitted into the
                             ground.
Contents in the        Contents in the open on land belonging to your home.
garden
Credit Cards           Credit, debit, charge, cheque, bankers, or cash dispenser cards
                       all issued in the British Isles which belong to any of your
                       family.

                       Credit cards cover does not include the following:
                       –       Credit cards held for trade or business purposes
Digital information    Non recoverable electronic data, legally downloaded by your
                       family from a legitimate website
Emergency repairs      Any necessary temporary or permanent work to protect your
                       buildings or your contents following a sudden or unexpected
                       event which creates the risk of damage or a possible risk to the
                       health of any of your family or any other person.
Equipment              Computers and anything else insured by the policy which has a
                       microchip in it. Microchips include integrated circuits and
                       microcontrollers.
                       Computers include hardware, software, data, electronic data
                       processing equipment and other computing and electronic
                       equipment linked to a computer.
Fees and other costs   Architects‟, surveyors‟ and legal fees, the cost of demolition,
                       shoring up, propping up and taking away any damaged parts of
                       the buildings, which you have to pay to repair or replace the
                       buildings.
                       Fees and other costs does not include:
                       –       those which you have to pay to make a claim; and
–   those which you agree to pay without our permission.
Full rebuilding cost   The cost of rebuilding all the buildings in the same way, size,
                       style and appearance as when they were new. This includes fees
                       and other costs and the cost of meeting Local Authority and
                       other legal requirements.
Home                   Your house, its garages, greenhouses and outbuildings, as long
                       as any of your family does not use any of them for trade or
                       business, except clerical business work only.
House                  Where your family lives at the address shown on your
                       schedule.
Identity Fraud         Someone or a group of people using a means of identifying you
                       or your family for an unlawful purpose without your or your
                       family’s express lawful consent.
Incident               An occurrence of identity fraud which results in a claim being
                       made. An act, or a series of acts, against you or your family by
                       one person or group of people arising out of one event is
                       considered to be one incident.
Money                  Current bank notes and coins, cheques, electronic cash pre-
                       payment cards, trading stamps, stamps which are not part of a
                       stamp collection, savings certificates, traveller‟s cheques, postal
                       and money orders, premium bonds, luncheon vouchers, phone
                       cards, season travel tickets and gift tokens.
                       Money does not include the following:
                       –        Money held for trade or business purposes;
                       –        Promotional vouchers, Air Miles vouchers, store points,
                                lottery tickets, scratchcards and raffle tickets.
Occupier               Someone who lives in the home with the owner’s permission or
                       has legal control over the home.
Owner                  Someone who legally owns the home.
Partner                A person who you live with and have had a continuous
                       relationship with.
Securities             Any document or certificate which is proof of money owed to
                       any of your family.
Summary of limits      A list of the limits which apply to the cover.
Unfurnished            When your house is not furnished with enough furniture for
                       your family to live in it normally.
Unoccupied             When your house is not lived in by your family or by anyone
                       who has your permission.
Valuables              Jewellery, watches, pictures, paintings, etchings and precious
                       metals.
Your family            You, your husband, wife, partner, children (including adopted
                       and foster children), parents and relatives, who all normally live
                       with you.
Guidance when notifying a Home Claim
Conditions that apply to the cover and in the event of a claim are set out in your cover
information. It is important that you comply with all cover conditions and you should
familiarise yourself with any requirements.
Directions for claim notification are included under claims conditions. Please be aware that
events that may give rise to a claim under the insurance must be notified as soon as
reasonably possible. Further guidance is contained in the policy wording.
Claims conditions require you to provide us with any reasonable assistance and evidence
that we require concerning the cause and value of any claim. Ideally, as part of the initial
notification, you will provide:
–       Your name, address, and your home and mobile telephone numbers
–       Personal details necessary to confirm your identity
–       Policy number
–       The date of the incident
–       The cause of the loss or damage
–       Details of the loss or damage together with claim value if known
–       Police details where applicable
–       Names and addresses of any other parties involved or responsible for the incident
        (including details of injuries) and addresses of any witnesses
This information will enable us to make an initial evaluation on policy liability and claim
value. We may, however, request additional information depending upon circumstances and
value which may include the following:
–       Original purchase receipts, invoices, instruction booklets or photographs
–       Purchase dates and location of lost or damaged property
–       For damaged property, confirmation from a suitably qualified expert that the item
        you are claiming for is beyond repair
Sometimes we may wish to meet with you to discuss the circumstances of the claim, to
inspect the damage, or to undertake further investigations.
Helplines
As a RSA Portfolio customer, your family has access to our helplines and emergency
service 24 hours a day, 365 days a year.
Whenever you need help, all you need to do is phone the appropriate number. Quote your
policy number and tell us about your problem. We will do the rest.
These services are free and you can use them while you have insurance with us.
Emergency Assistance: 0870 607 6513
In a domestic emergency just call the emergency assistance helpline.
Legal Advice: 01455 896143 Quoting Number 70446
We provide help with any personal legal problems, including tax.
Counselling Services: 01455 896143
If you have any problems at home or at work, our qualified professional counsellors are
there to help.
Medical Help: 020 8763 3325
You can talk about any medical concerns with our in-house medical experts who are
supported by the latest computerised clinical databases.
How to make a claim
Follow the steps below
1      In an emergency, you should take any immediate action which you need to protect
       your property from further damage, such as switching off the gas, electricity and
       water.
2      If the emergency situation continues or emergency repairs are needed, phone us
       on 0870 607 6513.
3      Check your schedule, your summary of limits and policy wording to see if you
       are covered for the loss or damage. Read carefully any conditions that may apply
       and the sections in the policy wording headed „What is not covered‟.
4      Read the „Claim conditions‟ and follow any instructions given.
5      Contact us at the address and phone number shown on your schedule or contact
       RSA Portfolio and quote your policy number for advice on policy cover and how to
       go ahead with your claim.
6      Please do not throw away any damaged items before we have had a chance to
       inspect them.


What We will do
(This will depend on the type of claim and the value involved.)
1       We may be able to settle the claim from the information you have given on your
       claim form. This is why it is important to keep receipts, valuations and photographs
       of more expensive items to speed up the time it takes to settle the claim.
2      You may be able to start repairs straight away but you will need to get estimates
       for repairs first.
3       We may need to contact you for more information.
4       We may need to send a member of our claims staff or a loss adjuster to find out
       more about your claim. A loss adjuster specialises in dealing with insurance claims.
       He or she will report to us We will pay any fee involved.
Emergency Assistance

What is insured                              What is not insured
a       We will arrange for an experienced
and competent contractor to make
emergency repairs as long as you tell us
about the emergency by phoning the
emergency assistance helpline (0870 607
6513).
b       We will arrange for overnight
accommodation for your family if we
accept that your home cannot be lived in
because of the emergency.

Emergency assistance section – Claims settlement
We will pay the cost of the emergency repairs and overnight accommodation. The most
We will pay for any one claim is the sum insured shown on your schedule.
Buildings

This part of the cover sets out the insurance We provide for the buildings of your home
if this section is shown on your schedule.

What is insured   What is not insured
Loss or damage to The excess shown in your schedule.
the buildings     Storm or flood damage to fences and gates.
                    Loss or damage caused by:
                    –        malicious people or vandals;
                    –        freezing water in fixed water or fixed heating systems;
                    –         water escaping from washing machines, dishwashers, fixed
                              water or fixed heating systems;
                    –        oil escaping from a fixed heating system;
                    –         theft or attempted theft
                    while your house has been left unfurnished or unoccupied for
                    more than 60 days in a row.
                    The subsidence, heave or landslip excess shown in your schedule for
                    each claim for any such damage.
                    Damage by subsidence, landslip or heave:
                    –         to patios, drives, terraces, footpaths, tennis courts, swimming
                              pools, walls, fences, gates and hedges unless your home is
                              damaged by the same cause and at the same time;
                    -         to solid floors, or damage caused because solid floors have
                              moved, unless the foundations of your home are damaged by
                              the same cause and at the same time;
                    –         caused by new structures bedding down or newly made-up
                              ground settling;
                    –        caused by the coast or a river bank being worn away;
                    –        caused by or from your home being altered or repaired.
                    Damage caused by or from faulty workmanship, design or materials.
                    Loss or damage caused by chemicals reacting with any materials which
                    the home is built from.
                    Loss or damage caused by:
                    –        frost;
                    –        anything which happens gradually;
                    –        wear and tear;
                    –        pets, insects, vermin, fungus or damp.
                    The cost of maintenance and routine decoration.
                    Loss or damage caused by:
                    –        malicious people or vandals
                    –        theft or attempted theft
                    if the loss or damage is caused by any of your family, by anyone who
                    is living with you or by anyone to whom your home is lent or let.
What is insured                                     What is not insured
Insurance during sale
If you sell your home and, between the              This cover does not apply if insurance on
date you exchange contracts and the date            the buildings of the home has been
you complete the sale, it is damaged by             arranged by or for the buyer.
anything insured by this section, we will
provide insurance for the person buying
your home when the sale has been
completed.
Short-term accommodation costs
If your house cannot be lived in because of         Any costs your family should pay once
damage by anything insured by this section          your home can be lived in again.
we will pay the reasonable cost of similar          Any costs you agree to pay without our
short-term accommodation for your family,           written permission.
and pets, who normally live in your home.           The most we will pay for any claim is the
                                                    limit shown on your summary of limits.
Loss or rent
If a part of your home which you rent to
others is made uninhabitable by an insured
cause, we will pay the rent you would have
received, including up to three years ground
rent, until it can be lived in again.
If your schedule shows the Contents
section applies, we will pay Alternative
Accommodation costs under either the
Buildings or Contents section. We will not
give the benefit of cover under both sections
Trace and access
We will pay the cost of removing and                The most we will pay in any one insurance
replacing any part of the buildings                 period is the limit shown on your
necessary to repair a household heating or          summary of limits.
water system which has caused an escape of
water or oil.
Legal fees for removal of squatters
Legal fees which you have to pay to                 Any fees you agree to pay without our
repossess your home if squatters are living         written permission.
in it.                                              The most we will pay is the limit shown on
                                                    your summary of limits.
New fixtures and fittings
We will pay for loss or damage to new               Loss or damage to any item left in the open.
fixtures and fittings (including fitted furniture   Any loss or damage occurring where there is
and appliances) whilst in the home for              a contractual requirement for specific
installation or, in the course of installation      insurance to be effected or;
provided that no structural alterations to the      where the contractor is required to be a joint
buildings are required.                             policyholder.
                                                    The most we will pay for any one claim is
                                                    the amount shown on your summary of
                                                    limits.
Damage by the emergency services
We will pay for damage to the buildings        The most we will pay for any one claim is
caused when the fire, police or ambulance      the amount shown on your summary of
services have to force an entry into or exit   limits.
from your home because of an emergency.
What is insured                                   What is not insured
Legal responsibilities as owner
Your legal responsibility to pay damages or       Anything belonging to any of your family or
costs to others which are the result of:          anything it is responsible for.
–       accidental death, disease, illness or     Injury, death, disease or illness to anyone
        injury to anyone; or                      employed by any of your family.
–       accidental damage to property.            Any of your family owning or using any lift
a       We will pay up to the limit shown in      (except stairlifts).
        your summary of limits for this           Any agreement or contract which adds any
        cover for any single event that           responsibility which you would not have had
        happens during any insurance              otherwise.
        period if you are the owner (not          Any responsibility resulting from any of your
        the occupier) of the home and its         family’s employment, business or
        land.                                     profession except your legal responsibility to
b       We will pay up to the limit shown in      visitors to your home in connection with a
        your summary of limits for this           clerical business you operate from your
        cover for any single event that           home, which you have notified us of and
        happens during any insurance              we have accepted.
        period and is caused by you having        Injury, death, disease or illness to any of
        owned and lived in any home in the        your family.
        past, and which arises because of         Any defence costs and expenses you pay or
        Section 3 of the Defective Premises       agree to pay without our written permission.
        Act 1972 or Section 5 of the              Damage, injury, death, illness or disease
        Defective Premises (Northern              which happens outside any insurance
        Ireland) Order 1975.                      period.

We will only pay if:
–        at the time of the event, you no
         longer have a legal title or any other
         interest in that home; and
–        there is no other insurance which
         covers your legal responsibility.
If this policy is cancelled when you sell your
home, you will be insured for up to 7 years
under the terms of paragraph b, as long as
you do not have this cover under another
policy.

If something has already happened which is covered under this paragraph, but you die
before any claim is settled, we will transfer cover to your legal representative as long as
they meet the conditions of the policy where possible.
Buildings section – Claims settlement

How we settle claims under the Buildings section

As long as the damage is covered under your policy, we will pay the cost of repairing or
replacing the damaged parts of the buildings, including fees and other costs. If the
damaged parts are no longer available in their original form, we will replace them with parts
of a similar quality. If the buildings have not been kept in a good state of repair, we will
pay the cost of repairing or replacing the damaged parts of the buildings, but we will take
off an amount for wear and tear.
If your sum insured is too low
If at the time of any loss or damage the sum insured is less than the full rebuilding cost,
we may only pay for part of the loss or damage. For example, if your sum insured only
covers 80% of the cost of rebuilding, we may only pay 80% of your claim.
If repairs or replacement are not carried out
If you do not repair or replace the buildings, we will pay the reduction in market value of
the buildings caused by the damage. We will not pay more than it would have cost to
repair the damage if the repair work had been done straight away.
Building regulations, local authority or legal conditions
We will not pay the cost of meeting any outstanding building regulations, local authority or
legal conditions if you knew that you needed to meet any regulations or conditions and a
notice was served on you before the damage happened. We will not pay the cost of
meeting any regulations or conditions if they apply to any undamaged parts of the
buildings.
We will not pay if the value of your buildings is reduced because you have repaired or
replaced the buildings.

Inflation protection – index linking
We will change your sum insured each month in line with a recognised index. If your sum
insured increases because of index linking, we will not make any charges until you renew
the policy.
For your protection if the index moves downwards, we will not reduce your sum insured or
limits.
Index linking will continue while your buildings are repaired or replaced as long as your
sum insured, at the time of any damage, covers the full rebuilding cost, and you make
sure any work is carried out as quickly as possible.
The most we will pay
The most we will pay for any one claim for buildings including fees and other costs, is
the buildings sum insured shown on your schedule. There may be special limits shown
on your schedule.
The sum insured on buildings will not be reduced after a claim is paid
                   Trees, shrubs, plants and lawns
Trees shrubs plants and lawns

This part of the cover sets out the insurance we provide for trees, shrubs, plants and lawns

What is insured                                   What is not Insured
Trees, shrubs, plants and lawns
Damage caused by the following:                   The excess shown in your schedule.
1 Fire, lightning, explosion, earthquake.         Damage caused by pets, insects or vermin.
2 Riot, civil commotion, strike, labour or
political disturbance.
3 Malicious people or vandals.
4 Theft or attempted theft.
5 Flying objects, vehicles, trains, animals or
aircraft or anything dropped from them hitting
your trees, shrubs, plants and lawns.


Trees, shrubs, plants and lawns section – Claims settlement
How we settle claims under the trees, shrubs, plants and lawns section.
We will pay the cost of repairing or replacing the damaged parts of the trees, shrubs, plants
or lawns.
We will take off the excess from the amount we pay you to settle your claim.
The most we will pay for any claim under this section is the limit shown on your schedule.
Contents

This part of the cover sets out the insurance we provide for your contents.

What is insured                     What is not insured
Loss or damage to your contents     The excess shown in your schedule.
anywhere in the world.
                                    Loss or damage caused by:
                                    –      malicious people or vandals;
                                    –       water escaping from washing machines,
                                            dishwashers, fixed water or fixed heating
                                            systems;
                                    –      oil escaping from a fixed heating system;
                                    –       theft or attempted theft
                                    while your house has been left unfurnished or
                                    unoccupied for more than 60 days in a row.

                                    Loss or damage caused by:
                                    –      frost;
                                    –      anything which happens gradually;
                                    –      wear and tear;
                                    –      fungus, damp, insects or vermin;
                                    –      pets;
                                    –      cleaning or repairing, restoration,
                                     –     mechanical or electrical breakdown.

                                    Any loss caused by the confiscation, destruction or
                                    seizure of property by customs or other official body.

                                    Loss or damage to students‟ contents:
                                    –       caused by theft or attempted theft unless force
                                    and violence are used to get into or out of a building;
                                    –       while the students‟ contents are in a house or
                                    building which has been left unoccupied for more
                                    than 60 days in a row.

                                    Loss or damage caused by:
                                    –        malicious people or vandals;
                                    –        theft or attempted theft
                                    if the loss or damage is caused by any of your family,
                                    by anyone who is living with you or by anyone to
                                    whom your home is lent or let.

                                    Contents permanently in any premises your family
                                    owns, leases or rents except the house(s) shown on
                                    your schedule.

                                    Contents in or in transit to or from a furniture
                                    depository.

                                    Loss of any unattended pedal cycle unless in a building
or securely locked to a permanent fixture.


The illegal use of any credit card by any of your
family.

Loss which results from the cardholder not following
the card company‟s terms and conditions.

The most we will pay for any claim for loss or
damage:
–       caused by theft or attempted theft of contents
        from any outbuilding;
–        to contents in the garden;
–        to visitors‟ personal belongings;
–        to money;
–        to travel tickets;
–        caused by fraudulent use of credit cards;
–       caused by theft or attempted theft of any
        contents in an unattended vehicle;
is the limit shown in your summary of limits.

The most we will pay for any claim for loss or damage
to:
–       students‟ contents;
–       business property
is the amount shown on your schedule.
Extra Cover

What is insured                                  What is not insured
In addition to insuring loss or damage to        The excess shown in your schedule.
your contents, we also provide the
following covers. These are in addition to the
sum insured shown on your schedule for
your contents unless stated otherwise.

Short-term accommodation costs
If your house cannot be lived in because of      Any costs your family would have to pay
loss or damage by anything covered by this       once your home can be lived in again.
section, we will pay the reasonable cost of      Any costs you agree to pay without our
similar short-term accommodation for your        written permission.
family and pets, who normally live in your       The most we will pay for any one claim is
home.                                            the limit shown on your summary of
                                                 limits.
Loss or rent
If a part of your home which you rent to
others is made uninhabitable by an insured
cause, we will pay the rent you would have
received, including up to three years ground
rent, until it can be lived in again.
If your schedule shows the Contents
section applies, we will pay Alternative
Accommodation costs under either the
Buildings or Contents section. We will not
give the benefit of cover under both sections
Digitial information
The cost of replacing digital information        The most we will pay in any one insurance period
following loss or damage to contents             is the limit shown on your summary of limits


Locks and keys
If you lose the keys to the inside or outside    The most we will pay for any one claim is
doors of your home or to safes or alarms in      the limit shown on your summary of
your home or they are stolen, or there is        limits.
accidental damage to the locks of the
outside doors, safes or alarms, we will
either pay the cost of:
–       changing parts of the locks; or
–       replacing the locks, if we choose.
Metered water and oil
a       Loss of metered water in your home       Loss or damage caused while your house
        caused by anything covered by this       has been left unoccupied for more than 60
        section.                                 days in a row.
b       The cost of oil lost from the domestic   The most we will pay for any one claim is
        heating installation following damage    the limit shown on your summary of
        caused by anything covered by this       limits.
        section to any part of the domestic
        heating installation.
Religious Festivals, Christmas and
Wedding gifts
We automatically increase the contents          The most we will pay for any one claim is
sum insured by 20% during December for          the limit shown on your summary of
Christmas gifts and for 30 days before and      limits.
after all religious festivals and the wedding
of any member of your family.
Hole in one cover
In the event of a Hole in One being achieved    The most we will pay for any one claim is
by you or your family in an official golf       the limit shown on your summary of
club competition or similar Area or National    limits.
competition a benefit of up to £500 is
payable
Removal of debris
We will pay for removal of debris following     The most we will pay for any one claim is
loss or damage to contents caused by loss or    the limit shown on your summary of
damage covered under this section of the        limits.
policy.
Marquees
We will pay for accidental loss or accidental   The most we will pay for any one incident is
damage to a marquee that you hire               the amount shown on your summary of
temporarily and are responsible for while at    limits.
your home. This includes accidental loss or
damage to associated lighting, heating and
furnishings, provided they are not insured
elsewhere.
What is insured                                   What is not insured
Newly acquired contents
We automatically increase the contents            The most we will pay for any one claim is
sum insured, by the amount shown on your          the amount shown on your summary of
summary of limits, for newly acquired             limits.
contents. You must request cover for these
within 45 days of their acquisition.
We reserve the right not to insure them
after the 45th day.
Fatal accident
We will pay the amount shown on your              The most we will pay for any one incident is
summary of limits if any member of your           the amount shown on your summary of
family dies within 60 days of an injury           limits.
caused by:
–       an accident in your home;
–       an assault or fire in your home;
–       an accident whilst travelling as a
        fare-paying passenger by train, bus
        or licensed taxi;
–       an assault in the street.
Contents in a furniture depository
We will pay for loss or damage to contents        The most we will pay for any one claim is
in a furniture depository or in transit to or     the amount shown on your summary of
from a furniture depository caused by:            limits.
–       fire, lightning, explosion, earthquake;
–       theft or attempted theft;
–       storm or flood;
–       water escaping from a fixed heating
        installation;
–       malicious people;
–       collision, overturning or derailment of
        the conveyance in which the
        contents are being carried.
This cover is not in addition to the sum
insured on your contents.
Food in a freezer in your home
The cost of replacing food and of hiring          Loss or damage caused by an electricity or
another freezer temporarily if the                gas company deliberately cutting off or
temperature in your freezer goes up or            reducing the supply to your home.
down, or if the food is contaminated by           The most we will pay for any one claim is
refrigerant or refrigerant fumes.                 the limit shown on your summary of
                                                  limits.
Replacing documents
The cost of replacing deeds, bonds,               Securities or bonds which you can easily
securities or similar private documents if        spend or convert into their face value.
they are lost or damaged by anything
covered by this section.
What is insured                                  What is not insured
Identity fraud
We will cover you or your family for the         Any legal fees you or your family pay or
following expenses reasonably incurred           agree to pay without our written permission.
arising as a result of identity fraud up to a    Any loss resulting from your or any of your
maximum of £50,000 , in total per incident:      family’s employment, business or
–       Administration fees spent by you or      professions.
        your family when you or your             Any claim arising which happens outside the
        family re-apply for a loan following     insurance period.
        rejection due to incorrect information   Any expenses incurred due to any
        supplied by a credit reference           fraudulent, dishonest or criminal act by you
        agency.                                  or your family or any person acting with
        The most we will pay for an              you or your family, whether acting alone
        incident in this respect is £750.        or in collusion with others.
                                                 Any amount exceeding £12,500 in total for
–      sums spent by you or your family          any one incident.
       for telephone and postal expenses
       for correspondence with financial
       institutions, credit agencies, law
       enforcement agencies or the police.
       The most we will pay for an
       incident in this respect is £250.

–      loss of earnings as a result of you or
       your family having to take time off
       work to meet with financial
       institutions, credit agencies, law
       enforcement agencies or the police.
       The most we will pay for an
       incident in this respect is £150 per
       day up to a total of £5,000

–      fees for administering and notarising
       fraud affidavits or similar documents
       for financial institutions or credit
       agencies required to evidence the
       occurrence of identity fraud.
       The most we will pay for an
       incident in this respect is £1,500.

–      legal fees which we have agreed to
       pay for the following:
       •       the defence of a claim against
               you or your family by a
               financial institution
       •       the removal of any incorrect
               court judgements made
               against you or your family
What is insured                                What is not insured
               challenging the accuracy of
                any information in a credit
                reference report relating to
                you or your family.
Legal responsibilities as occupier, in
your personal life and as an employer
to domestic employees
The legal responsibility of any of your        Anything belonging to any of your family or
family to pay damages or costs to others       anything it is responsible for.
which are the result of:                       Injury, death, disease or illness to any of
–      accidental death, disease, illness or   your family.
       injury to anyone;                       Any responsibility resulting from any of your
or                                             family’s employment, business or
–      accidental damage to property.          profession except your legal responsibility to
We will pay up to the limit shown in your      visitors to your home in connection with a
summary of limits for any single event         clerical business you operate from your
that happens during any insurance period       home, which you have notified us of and
caused by:                                     we have accepted.
a      you as occupier of your home and        Any of your family owning or using any lift,
       its land;                               motorised vehicle (except garden machinery,
b      any of your family in their personal    stairlifts, children’s motorcycles and
       life; or                                pedestrian-controlled vehicles used in or
c      your family as an employer to any       about the home), caravans, trailers (whilst
of your domestic employees worldwide           attached to a vehicle), aircraft, hovercraft,
during a temporary visit.                      jetskis or boats (except hand-propelled
                                               boats).
                                               Any responsibility to any of your family’s
                                               employees which you need compulsory
                                               insurance or security for under any road
                                               traffic law.
                                               Any agreement or contract which adds any
                                               responsibility which your family would not
                                               have had otherwise.
                                               Anything caused directly or indirectly from
                                               any of your family passing on or being
                                               treated for any disease or virus.
                                               Any responsibility as an employer to anyone
                                               employed by any of your family in any
                                               business or profession. This does not include
                                               domestic employees.
                                               Injury, death, disease, illness or damage
                                               caused by any dog your family owns or is
                                               legally responsible for if the dog is described
                                               in Section 1 of the Dangerous Dogs Act 1991
                                               or Article 3 of the Dangerous Dogs (Northern
                                               Ireland) Order 1991. Any defence costs and
                                               expenses you agree to pay without our
                                               written permission.
                                               Any liability arising from the ownership of
                                               land not forming part of your home.
What is insured                                     What is not insured
                                                    Damage, injury, death, illness or disease
                                                    caused by using horses for racing or
                                                    steeplechasing.
If something has already happened which is covered under this paragraph but you die
before any claim is settled, we will transfer cover to your legal representative as long as
they meet the conditions of the policy where possible.

Your legal responsibility as tenant of your         Damage, while the house has been left
home (not the owner or landlord) for the            unoccupied for more than 60 days in a
following:                                          row.
a       Damage to your home, tenants                Damage caused by frost.
        improvements and decorating inside          Damage caused by a storm or flood or
        the home, and landlords‟ fixtures and       falling trees or branches to fences, gates
        fittings, for which your family is          and hedges.
        legally responsible, caused by:             Theft or attempted theft by any of your
        –        storm or flood;                    family or domestic employees who live
        –        freezing water in fixed water      with you or by anyone to whom your
                 or heating systems;                home is lent or let.
                 –        water escaping from       Damage by wear and tear or anything which
                 washing machines,                  happens gradually.
                 dishwashers, fixed water or        The most we will pay for any one claim is
                 fixed heating systems;             the limit shown on your summary of
        –        oil escaping from a fixed          limits.
                 heating system;
        –        riot, civil commotion, strike,
                 labour or political disturbance;
        –        malicious people or vandals;
        –        theft or attempted theft;
        –        falling trees or branches;
        –        falling aerials or satellite
                 receiving equipment, their
                 fittings or masts.
b       Accidental damage to drains, pipes,
        cables and underground tanks used to
        provide services to or from your
        home.
c       Accidental breakage of glass or
        sanitary ware fixed to and forming
        part of your home.
Contents section – Claims settlement
How we settle claims under the Contents section
If an item can be economically repaired, we will pay the cost of repair. Otherwise, we will
replace it with a new item if we choose, or we will pay the replacement cost of a new item.

If your sum insured is too low
If, when the loss or damage happens, the sum insured on your schedule is less than the
cost of replacing all the contents as new, we may only pay for part of the loss or damage.
For example, if your sum insured only covers 80% of the cost of replacing the contents,
we may only pay 80% of your claim.

The most we will pay
The most we will pay for any one claim for contents is the contents sum insured shown
on your schedule. There are special limits shown on your schedule.

Jewellery only – pairs and sets
For a claim to a pair or set, we will pay whichever is the least of the following:
– the cost to repair the damaged property to its condition immediately before the loss;
– the cost to replace it;
– the cost to make up the difference between its market value immediately before and after
the loss.
However if you surrender the undamaged item(s) of the pair or set to us and we agree to
accept, we will pay you the full replacement cost of the entire pair or set but no more than
the sum insured for that pair or set.

Inflation protection
We will change the sum insured on contents and the valuables single item limit shown on
your schedule in line with a recognised index.
If these sums insured increase because of index linking, we will not make any extra charges
until you renew your policy. Your new premium will be based on the new sums insured
and valuables single item limit shown in your schedule.
For your protection if the index moves downwards, we will not reduce your sums insured
or limits.
Claims conditions
These are the conditions you will need to keep to as your part of the contract.
If anything happens which might lead to a claim, what you must do depends on what has
happened. The sooner you tell us, the better. In some cases, there are other people you
should contact first.

What to do
If someone is holding any of your family responsible for an injury or any damage, nobody
in your family must admit they were responsible. Tell us as soon as possible and give us
full details in writing as soon as you can. If any of your family receive any writ, summons
or other legal document, send it to us straight away without answering it.
If you find a credit card is missing, tell us and the credit card company as soon as you
can.
If you are a victim of theft, riot, vandalism, or something is lost away from your home, tell
the police within 24 hours from discovering the loss or damage and ask for an incident
number. Then tell us as soon as you can.
For any other claims, tell us as soon as possible.

Rights and responsibilities
We may need to get into a building that has been damaged to save anything we can and to
make sure no more damage happens. You must help us to do this but you must not leave
your property with us, as our responsibility.
You must not admit, settle, reject, negotiate or promise to pay any claim without our
written permission. We will not unreasonably hold back our permission.
We have the right, at our expense and in your name, to:
–       take over the defence or settlement of any claim;
–       start legal action in your name to get compensation from anyone else; or
–       start legal action in your name to get back from anyone else any payments that
have already been made.
You must give us, and pay for, all the information we reasonably ask for about any claim.
You must also help us to take legal action against anyone or help us defend any legal
action if we ask you to.

Other insurance
If you claim under this policy for something which is also covered by another insurance
policy, we will only pay our share of the claim. You must give us full details of the other
insurance policy.

Notification to the Police
You and your family must notify the police within 24 hours of first discovering an identity
fraud.

Notification to Financial Institutions
You and your family must notify your or your family’s banks, building societies, credit
card companies, as soon as possible after discovering an identity fraud.
Cover conditions
These are the other conditions you must keep to as your part of the contract. You should
also refer to the Policy Wording Conditions.

Taking care
Your family must take all reasonable steps to prevent loss or damage to everything which
is covered by this insurance. Your family must keep all the property in good condition and
in good repair.

Changes in your circumstances
When you arranged your insurance you told us certain material facts.
You must tell us or your insurance adviser straight away about any of the following
changes:
–       A permanent change of address.
–       If someone is going to live in your home other than you or your family.
–       If the home is going to be used for any business or professional purposes.
–       If your home is going to be unoccupied for a total of more than 60 days in a year.
–       If the home is not in a good state of repair.
–       Work is to be done on the home other than routine maintenance or redecoration
        such as construction of a new structure or major alterations.
–       If you or any member of your family, or directors where you are a limited
        company, are convicted of any offence other than driving offences.
–       Any change in the sum insured.
If you do not tell us about any change in these facts, you may not be covered in the event
of a claim or your cover may be affected.

Transferring your interest in the policy
You cannot transfer your interest in the policy to anyone else unless you get our written
permission.

Fraud
If any claim is fraudulent or if any of your family or anyone acting for any of your family
is dishonest in claiming any benefit under your policy, you will lose all benefits under your
policy.

Also read the conditions in the section ‟Claims conditions‟
Cover exclusions
These are the exclusions which apply to all the sections of your cover. You should also refer
to the Policy Wording Exclusions.

Rot
Any loss or damage caused by wet rot or dry rot whether or not this was caused directly by
any other risk included in this insurance.

Matching items
We will not pay the cost of replacing, repairing or changing any undamaged items or parts
of items forming part of a set, suite, carpet or other items of a common nature, colour,
design or use. This applies if the other items can still be used and the loss or damage only
affects one part of the set.
Legal Expenses

This part of the policy sets out the cover we provide for legal expenses protection for
your family, if this section is shown on your schedule.
The following is a glossary of some legal terms we have used in this section.

Legal term                Meaning
Arbitration               A meeting held in private to settle a dispute about the policy. This
                          is less formal than a court hearing.
Disbursements             Money that your solicitor has spent on your behalf in dealing
                          with your case.
                          These amounts are different from your solicitor‟s own fees and
                          will be shown as a separate item on your solicitor‟s bill.
Expert witness            A person who has a special skill or technical or professional
                          knowledge (for example, a doctor or a surveyor) and whose
                          opinion can be given as evidence in court.


Words with special meanings
Words with special meanings are printed in bold and will have the meanings shown for
those words (as set out above).
However, the words that are set out below have meanings that only apply to this section of
the policy.

Word                      Meaning
Any one claim             All legal proceedings, including appeals, arising from or relating
                          to the same original cause or event.
Court                     A court, tribunal or other appropriate authority.

Full enquiry              Action taken by the Inland Revenue following a Notice issued
                          under Section 9A of the Taxes Management Act 1970 saying they
                          plan to carry out a „Special Compliance Office Investigation‟ or a
                          „Local Tax Office Enquiry‟ which involves examining and
                          considering all areas of your tax affairs in detail.
Goods                     Items you own or for which you are legally responsible, except
                          motorised vehicles or parts of them, land, buildings, or items used
                          for business purposes.

Legal expenses            Your representative’s fees, costs and disbursements which
                          we have agreed or the costs of any other people involved in the
                          legal proceedings if you have to pay those costs.
                          This includes costs following an „out-of-court‟ settlement to which
                          we have agreed. This does not include any damages, fines or
                          penalties you have to pay.
Legal proceedings         Legal action in a civil court to protect your rights in a dispute.
Representative            The solicitor or other suitably-qualified person appointed to act
                          for you.
Territorial limits   Great Britain and Northern Ireland, all other countries in the
                     European Union, the Isle of Man, the Channel Islands, Andorra,
                     the Czech Republic, Egypt, Gibraltar, Iceland, Israel, Hungary,
                     Liechtenstein, Monaco, Morocco, Norway, San Marino, Slovakia,
                     Switzerland, Tunisia, Turkey, Vatican City and islands in the
                     Mediterranean.
FirstAssist          FirstAssist Insurance Services Limited which handles claims on
                     our behalf
                     You can contact them at:
                     FirstAssist Insurance Services Limited
                     Marshall‟s Court
                     Marshall‟s Road
                     Sutton
                     Surrey SM1 4DU
                     Phone: 020 8652 1313
                     Fax: 020 8661 7604
You, your            The person or people included within the meaning of you, your
                     above, and the members of your family as explained above.
Your cover

What is insured                                What is not insured
We provide the following cover for legal       Anything which is excluded in the legal
expenses up to the sum insured shown on        expenses section and the cover exclusions
your schedule in total for any one claim.      above.
The cause of the action must happen within
the territorial limits and during the
insurance period. The legal proceedings
must be taken or defended in the territorial
limits. You must have told us about the
claim within six months of the cause of
action arising. We must have given our
agreement to support your claim.
A Personal injury

The cost of you taking legal proceedings       Defending civil legal proceedings that are
against another person or organisation as a    connected with:
result of an event which causes your death,    –      death, disease or illness of or bodily
or bodily injury.                                     injury to anyone;
                                               or
                                               –      loss or destruction of, or damage to
                                                      any property. (This includes property
                                                      which cannot be used because of the
                                                      loss, destruction or damage.)

                                               Any claim to do with a motor vehicle, its
                                               parts or accessories (except a claim against
                                               another person or organisation for your
                                               death or bodily injury which happened while
                                               you were a passenger in a motor vehicle).

                                               Any claim where the amount in dispute is
                                               less than £250.
B Consumer protection

1 The cost of you taking legal                  Any dispute over a contract which arises less
proceedings against another person or           than 90 days after the insurance first
organisation as a result of:                    started, unless the dispute is to do with a
a      a dispute over a contract for buying,    contract which started after you took out
       selling or renting goods or services;    the insurance.
b      a person or organisation breaking the    Any matter connected with a money-making
       requirements of Part II, section 13 of   activity.
       the Data Protection Act 1998; and
       where breaking those requirements
       results in you losing money.

2 The cost of defending a legal action          Anything to do with building, converting,
       brought against you as a result of a     extending, altering, renovating or
       dispute over a contract for buying,      demolishing your home. (This does not
       selling or renting goods or services.    apply to common home-improvements such
                                                as installing double-glazing or replacing
                                                kitchens or bathrooms.)

                                                Any dispute connected with letting,
                                                subletting, or allowing another person to live
                                                in your home.

                                                Anything to do with a motor vehicle, its parts
                                                or accessories.

                                                Any claim where the amount in dispute is
                                                less than £250.
C Residential

1 The cost of you taking legal                 An event which happens less than 90 days
proceedings against another person or          after the insurance first started.
organisation as a result of:
a      a person or organisation interfering    Any legal proceedings over loss or
       with your legal rights relating to      damage covered under a more specific
       your home, (you must be legally         insurance policy.
       entitled to live in the home);
                                               Anything to do with building, converting,
b      a dispute over a contract in your       extending, altering, renovating or
       name to buy or sell your home or        demolishing your home. (This does not
       former home or to rent your home        apply to common home-improvements such
       as a tenant;                            as installing double-glazing, replacement
or                                             kitchens or bathrooms.)
c      an event which causes loss of or
       damage to your home.                    Any dispute about letting, subletting or
                                               allowing another person to live in your
2 The cost of defending legal action brought   home.
against you as a result of:
a      you allegedly interfering with          Legal proceedings between you and a
       another person‟s legal rights in        government department or a local authority,
       connection with you owning or living    unless you could lose money if your case is
       in your home. You must be legally       not successful.
       entitled to live in the home.
                                               Any matter connected with a money-making
b    a dispute over a contract in your         activity.
     name to buy or sell your home or
     former home or to rent your home
     as a tenant.
D Employment

1 The cost of you taking legal                 A dispute with your employer or legal action
proceedings against your employer over         brought against you less than 90 days after
your contract of employment. As soon as        the insurance first started.
you knew of the dispute you must have
taken and followed legal advice from us.       Any matter connected with a money-making
You must agree to be represented by our        activity other than a dispute with your
employment consultants. You may also use       employer over your contract of
any other representative we allow.             employment.

2 The cost of defending legal action brought   Defending any motoring prosecutions.
against you in the territorial limits as a
result of prosecution which results from       Defending civil legal proceedings that are
your normal duties as an employee. This        connected with your duties as a member of
includes civil proceedings under the Race      a profession or your duties as a director or
Relations Act 1976, the Sex Discrimination     officer of any company.
Act 1986, the Disability Discrimination Act
1995, the Data Protection Act 1998, or any
Acts which replace or change these.
E Tax

The cost of your representative acting for      Any tax, interest or penalties you may have
you in a full enquiry by the Inland             to pay to the Inland Revenue.
Revenue into your income and records to
decide how much tax you have to pay under       Any case where you or your tax adviser
the following sections of the Taxes Act 1988.   have not taken every reasonable care to act
                                                according to tax legislation.
1 Section 19, Schedule E of the Taxes Act
1988 on:                                        Anything to do with a tax return which you
–       your wages or salary; and               sent to the Inland Revenue and which
–       your pension.                           arrived after the legal deadline.

2 Section 18, Schedule D of the Taxes Act       An enquiry by the Inland Revenue which is
1988 where it relates to income you have        only concerned with one or more specific
received on:                                    areas of your tax return and which is not
–       investments in the UK;                  considered by the Inland Revenue to be a
and                                             full enquiry.
–       investments overseas; in securities
        listed on a recognised national or       Any change in an Inland Revenue
        international stock exchange. This      investigation or enquiry when it becomes
        cannot be your main source of           clear that they suspect serious fraud.
        income.
                                                Any income you have earned as a self-
                                                employed person.

                                                Any matter connected with a money-making
                                                activity (other than your contract of
                                                employment or a normal private investment)
                                                or personal liability including:
                                                –        your business, trade or profession;
                                                –        a personal venture for gain;
                                                –        a share in a partnership or a joint
                                                         venture for gain;
                                                –        an investment which is not listed on
                                                         a recognised national or international
                                                         stock exchange; or
                                                –        a personal guarantee or indemnity.

                                                Any money which we have already paid if
                                                you later withdraw, without our agreement,
                                                from the defence of a full enquiry by the
                                                Inland Revenue.

                                                Any money which has to be paid because
                                                you withdraw without our agreement from
                                                the defence of a full enquiry by the Inland
                                                Revenue.
Legal expenses exclusions
These exclusions apply to all of the legal expenses section of this policy. You should also
read the cover exclusions in your wording.

1      Any claim where there is not a reasonable chance of you winning the case and
       achieving a reasonable outcome.
2      Any event, dispute or cause of action that first happened or started before you took
       out this insurance.
3      An event which you report to us more than six months after it happened.
4      Legal expenses which apply to the period before we have agreed in writing to
       support your claim.
5      Legal proceedings where a reasonable estimate of your total legal expenses is
       greater than the amount in dispute.
6      Any legal expenses you could claim under any other insurance.
7      Any legal proceedings over loss or damage covered under a specific insurance
       policy.
8      A dispute about either the amount an insurance company should pay to settle an
       insurance claim or the way a claim should be settled.
9      Defending civil legal proceedings that are connected with:
       –       death, disease or illness of or bodily injury to anyone;
       –       your duties as a member of a profession or your duties as a director or
               officer of any company;
       –       the loss or destruction of or damage to any property. (This includes property
       which cannot be used because of the loss, destruction or damage.)
10     Any legal proceedings between any members of your family. (This does not
       apply to accidents involving motor vehicles.)
11     Any legal proceedings between you and your husband, wife or partner or
       former husband, wife or partner. This includes legal proceedings relating to
       custody, access or maintenance.
12     Defending any criminal proceedings or legal proceedings arising from anything
       you did deliberately or recklessly.
13     Any dispute with us that is not dealt with under the arbitration condition.
14     Any liability arising directly or indirectly from:
       –       equipment failing to recognise data representing a date in such a way that
               it does not work properly or at all;
       –       computer viruses.
       This does not apply to legal expenses connected with claiming compensation
       following your death or bodily injury.
Legal expenses conditions
As well as the cover conditions that you will need to meet as your part of this Contract you
must also keep to the conditions on this page and the following pages.

1     Preventing legal proceedings
You must take all reasonable measures to prevent or avoid being involved in legal
proceedings and keep the cost as low as possible.

2       Arbitration
If there is a dispute between you and us about this section of the policy, it can be taken to
an independent arbitrator. The arbitrator will be a solicitor or barrister you and we agree
to. If we cannot agree with you on an arbitrator, the President of the Law Society (or
similar organisation within the appropriate territorial limits) will choose an arbitrator.

The side that loses the arbitration will pay all the costs of the arbitration. If the decision is
not totally in favour of one side, the arbitrator will decide who pays the costs. If you lose,
the policy will not cover these costs.

You can still use the complaints procedure.
Legal expenses section – Claims settlement conditions
These conditions apply when you make a legal expenses claim. You must keep to these
conditions as your part of the legal expenses contract.

1 Telling us about the claim
If anything happens which might lead to a legal expenses claim, you must tell
FirstAssist as soon as possible by filling in a claim form. You must tell us fully and
truthfully in writing all the details about your claim and give us all the information that we
may need. Until you have told us about the claim and we have given our written
agreement, we will not be responsible for any legal expenses. We will not cover legal
expenses involved in your representatives handling the claim before the date when we
gave our written agreement. You must have told us about the claim within six months of
the cause of action arising.

2 Giving our agreement
We will agree if all of the following apply:
–      We think you have a reasonable chance of winning your case and achieving a
       reasonable outcome.
–      The legal proceedings arise from a cause of action which is covered by this
       insurance. This cause of action must happen within the territorial limits and during
       the insurance period.
–      The legal proceedings will be dealt with by a court within the territorial limits.
–      You have kept to the terms and conditions of the policy and none of the exclusions
       listed in this section and the cover exclusions apply to your claim.

If we do not accept your claim, we will tell you why.

If, during the claim, we think that there is no longer a reasonable chance of you winning
the case and achieving a reasonable outcome, we may not continue to support your legal
proceedings. If we do not carry on with your claim, we will tell you why.

3 Choosing a representative
In the period before we can agree that legal proceedings are necessary, or in the
circumstances set out in claims settlement condition 8, we may take on and carry out in
your name, any negotiations for you. You must agree to a settlement which is reasonable.

If we agree that legal proceedings are necessary, but we are not able or you do not
want us to act for you, we will agree with you on a representative to act for you. We
will suggest a shortlist of representatives who will be willing and able to act for you. You
can choose a representative from this shortlist. If you prefer not to use a
representative from this list, we will consider your choice. You will need to satisfy us
that your chosen representative has the necessary expertise to deal with your legal
proceedings. You must also confirm that he or she will not charge more than a
representative on the list. However, you can pay the difference between your chosen
representative’s fees and those of a representative on the shortlist. In some
circumstances, we may not accept the representative you have suggested, but we will
explain why. If we cannot agree on your representative, you can take the matter to an
independent arbitrator. Any representative you choose is appointed to act for you.

If we and you cannot agree whether legal proceedings are necessary, you can take the
matter to an independent arbitrator.
4 Rights and responsibilities
You must tell us if an offer is made to settle the dispute. You must not negotiate or agree
to settle the dispute without getting our agreement beforehand. If you do not accept a
reasonable offer to settle the dispute, we may not continue to support your claim.

You must send us all bills for the representative’s legal expenses as soon as you
receive them. You must confirm to us that any charges you have to pay for the
representative handling this dispute are acceptable and that we may pay the bill for you.

You and your representative must take every step to recover legal expenses. You
must pay any recovered legal expenses to your representative who must then refund
any legal expenses which we have paid or have been asked to pay.

If we pay legal expenses up to the policy limit and you pay more legal expenses to end
your case, you and we will share any legal expenses that are recovered. You and we
will each receive the same percentage as originally paid.

5 Information your representative will need from you
You must give your representative all the information and help he or she may need. This
will include a truthful account of the facts of your case and any paperwork to do with your
case.

6 What you and your representative must do for us
We must be able to contact your representative. You and your representative must
co- operate and tell us about developments to do with your case. If we ask for this, we
must be able to have access to your representative’s files. This includes the truthful
account of the facts of your case and any paperwork you have supplied to your
representative.

If your representative wants to consult a barrister or expert witness, we will agree if we
think it is reasonable. You must give us the name of the barrister or expert witness, and
the reasons why you need one.

7 Appealing against a court’s decision
If you want to appeal against a court’s decision, you must give us your reasons for
bringing the appeal. We will give you our agreement if all of the following apply:
–      You must tell us that you want to appeal as soon as your right of appeal arises.
       This is because strict time limits may apply.
–      The appeal arises from legal proceedings to which we have already given
       agreement under the terms of claims settlement condition 2
–      Your appeal meets the requirements of claims settlement condition 2 in the same
       way as your initial claim for legal expenses.
8 What action we may take
We may take over, in your name, all legal action in any of the following circumstances:
–     If the dispute is for an amount which is under £1,000 or if the dispute could be dealt
      with by the small claims court.
–     If you take legal action against someone or defend a case without our agreement,
      or in a different way from that advised by your representative.
–     If you do not give proper instructions to your representative or barrister in time.
–     If you cause a delay and your representative thinks it will harm your case.

In these circumstances, we may carry out our own investigation and try to settle your
dispute. You must agree to a settlement which is reasonable.

If we ask, you must tell your representative to get the court to tax your legal
expenses, or get the Law Society to certify them according to the Solicitors Act 1974 or the
Solicitors Remuneration Order 1972.

If you withdraw from defending a full enquiry by the Inland Revenue without our
agreement, we will be entitled to recover from you any amounts we have paid during the
defence.
RSA Portfolio Travel Cover
Contents

General information
Travel cover is only available if you also have Home cover.
Helplines
How to make a claim
What we will do

Consent to Change of Insurer

This clause represents your consent for Royal & Sun Alliance Insurance plc to provide you
with a new travel insurance contract from a new insurer, unless you advise us to the
contrary. This consent applies to all and any future changes of insurer, in giving this consent
you agree to Royal & Sun Alliance Insurance plc transferring any data you provide, about
yourself or any other persons insured under this contract, to the new insurer in order that
they may provide you with a replacement contract.

You may withdraw this consent at any time during the period of your current contract or any
subsequent contract. You may also withdraw consent after receiving details of any new
contract with the new insurer and before the scheduled renewal date of your existing
contract. However, if you withdraw consent then, in the event of a change of insurer, we
regret we may not be able to renew your existing contract and you would need to arrange
alternative insurance. Full details will be provided prior to any change of insurer.


Details of your cover
We have set out “What is insured” on the left of each page and “What is not insured” to the
right.

Words with special meanings
Cancelling your journey or cutting it short
Missing your departure
Travel delays
Delayed personal baggage
Losing your passport
Personal accident
Emergency hospital and travel expenses and hospital benefit
Legal expenses
Hijack
Winter sports

Cover information

Claims conditions
Cover conditions
Cover exclusions
Travel Helplines

Helpline services we arrange for you

As a RSA Portfolio customer, if you suffer an emergency abroad, you have access to our
helplines and emergency service 24 hours a day, 365 days a year.

Whenever you need help, all you need to do is phone the appropriate number.
Quote your policy number and tell us about your problem.
We will do the rest.
These services are free, and you can use them while you have insurance with us.

Advice before you travel
Before you leave, FirstAssist Services Ltd can provide travel information relating to:
– customs regulations;
– currency limits and rules;
– banking procedures and hours;
– health, vaccination requirements, epidemics, AIDS risks and the availability of certain
medicines; and
– visa requirements and procedures.
Contact FirstAssist Services Ltd on 020 8763 3008

Emergency medical help
Contact FirstAssist Services Ltd on 020 8763 3008. Your call will be answered by an
experienced assistance co-ordinator who will help you with your problem.

Delayed personal baggage
You can contact FirstAssist Services Ltd on 020 8763 3008. They will help trace and return
your personal baggage which gets lost during a flight. You must get a property
irregularity report from your airline which has been filled in at the relevant airport as soon
as you are aware of the loss. Please make sure, for your own protection, that you keep a
copy of the property irregularity report which you must send us if you make a claim under
your contents policy if your personal baggage is not found later.
How to make a claim

Follow the steps below:
1 Check your schedule and policy wording to see whether the loss or damage is covered.
2 Read the ‟Claim conditions‟ and follow any instructions given.
3 Contact us at the address and phone number on your schedule or contact your
insurance adviser and quote your policy number for advice on policy cover and how to go
ahead with your claim.

What we will do
1 We may be able to settle the claim on the information you have given or we may ask
you to fill in a claim form.
2 We may need to contact you for more information.
3 We may need to send a member of our staff or a loss adjuster to find out more about
your claim. A loss adjuster specialises in dealing with insurance claims. He or she will report
to us. We will pay any fee involved.
Our claims staff take pride in their service and will do all they can to help you.
Travel cover words with special meanings

Any word defined below will have the same meaning wherever it is shown in your travel
cover in bold print.
Word               Meaning
Accidental         Physical harm, this does not include sickness or disease or any naturally
injury             occurring condition or the result of anything that happens gradually.
Activities we      – Scuba diving.
do not insure      – Flying (unless you are a fare-paying passenger).
                   – Organised team sports which are pre-booked or paid for or arranged
                   by a person with relevant qualifications or arranged by a person in a
                   relevant club or association.
                   – Jet skiing or jet biking.
                   – Off-shore sailing.
                   – Any professional sports.
                   – Bungee jumping, high diving or ballooning.
                   – White water rafting or canoeing.
                   – Hang gliding, parachuting or parascending.
                   – Hunting on horseback.
                   – Manual work of any kind you do during the journey or on a UK
                   holiday.
                   – Business of any kind you do during the journey, except clerical work
                   only.
                   – Motor competitions.
                   – Motorcycling as a rider or passenger on any motorcycle with an engine
                   of 50cc or more.
                   – Mountaineering, cliff or rock climbing, potholing, or caving.
                   – Racing other than on foot.
                   – Winter sports (other than curling or skating), unless you have chosen
                   the winter sports section, in which case the activities we do not cover is
                   amended to ski racing, ski jumping, heli-skiing, off-piste skiing, using
                   bobsleighs, toboggans and skeletons and ice hockey.
Counterclaim       A claim brought against you as a result of a claim you have made.
Degenerative       Any sickness or disease causing your physical or mental health to
disease            gradually get worse.
Departure date     The date when you plan to start the journey.
Emergency          The cost of medical treatment given or prescribed by a medical
medical            practitioner and all hospital, nursing-home and ambulance charges.
expenses           (We will only include treatment for teeth and eyes if the injury is caused
                   by an accident or you need emergency treatment.)
Emergency          The extra cost of travel, accommodation and rescue (including sending
travel             you back home). We will take off any amount you can get back from
expenses           elsewhere.
                   This cover applies to any policyholder or relative or friend who has to
                   travel or stay with you. If you die we will pay the cost of the funeral
                   expenses abroad or the cost of transporting your body or ashes and
                   your personal baggage back to the United Kingdom.
EU                 The United Kingdom and any country which is a member of the
                   European Union.
Hijack             When an aircraft or other vehicle which you are travelling in is taken
                 over illegally.
Hospital         Any institution outside the United Kingdom which meets the following
                 criteria.
                 – It has full-time facilities for overnight patients.
                 – It has facilities for surgery, medical diagnosis and treating injured and
                 sick people.
                 – It is run by medical practitioners.
                 – It provides 24 hour nursing supervised by State Registered Nurses.
                 – It is not a mental institution, a nursing or convalescent home, a
                 hospice or place for the terminally ill, a residential care home (as
                 defined under the Registered Homes Act, 1984 Part 1 Section 1) or a
                 place for drug addicts or alcoholics.
Journey          Any journey you take which lasts no more than 45 days. For winter
                 sports holidays, you will only be covered for 17 days in any insurance
                 period. The journey must begin during the insurance period and
                 involve travel outside the United Kingdom. The journey must also be
                 within the zone shown on your schedule. You will be covered (other
                 than under Cancelling your journey or cutting it short section) from
                 when you leave your home or place of business until you arrive back
                 at home or your place of business at the end of the journey.

                 There is special cover under „Cancelling your journey or cutting it short
                 section‟ which is in force from the date you book the journey. If the
                 zone on your schedule is worldwide, for travel outside the EU within
                 the rest of the world (but not in the United Kingdom), you will only
                 be covered for 90 days in any insurance period (or 17 days for any
                 winter sports holidays).
Legal expenses   Your representative’s legal fees, expenses and other costs which we
                 have agreed or the costs of any other people involved in the legal
                 proceedings if you have to pay those costs. This includes costs
                 following an out-of-court settlement to which we have agreed.
Legal            Legal action to protect your rights in a dispute.
proceedings
Medical          A legally-qualified medical practitioner other than you or a member
practitioner     of your immediate family.
Partner          A person who you live with and have had a continuous relationship
                 with.
Permanently      Permanent loss of all sight in one eye.
losing an eye
Permanently      For a leg this means part being cut off at or above the ankle, or
losing a limb    permanent and total loss of the use of a complete foot or leg. For an
                 arm this means four fingers being cut off, or permanent and total loss of
                 the use of a complete hand or arm.
Personal         Clothing, personal belongings and sports equipment, suitcases, trunks
baggage          and other bags you take on the journey.
Representative   The solicitor or other suitably-qualified person appointed to act for you.
Return date      The date when you plan to arrive home at the end of the journey.
Sports           Any items you use to take part in a sporting activity including
equipment        specialised sports clothing.
               Sports equipment does not include:
               – motorised vehicles, caravans, trailers, aircraft, hovercraft, jetskis or
               boats, or parts or accessories for any of them;
               – pedal cycles
Summary of     A list of the cover limits which apply to the cover.
limits
Territorial    Anywhere in the world
limits
UK holiday     A holiday away from your home which lasts more than 3 days and up to
               45 days within the United Kingdom. The UK holiday must be pre-
               booked and begin during the insurance period.
               You are covered under the „Cancelling your journey or cutting it short
               section‟ only. Cover is in force from the date you book this UK holiday.
United         England, Scotland, Wales, Northern Ireland, the Isle of Man and the
Kingdom (UK)   Channel Islands.
You, your,     Any person travelling on the journey whose name appears in the list of
policyholder   policyholders in the schedule under the travel section. (You must
               also be under 70 when you start the policy or under 75 when you
               renew it.) Or anyone we are told about and a premium has been paid
               for. This includes any child under 2 on the departure date travelling
               with you as long as you are 18 or over on the departure date.
Your family    You, your husband, wife, partner, children (including adopted and
               foster children), parents and relatives, who all normally live with you.
Zone           EU only or worldwide.
Cancelling your journey or cutting it short section

What is insured                                    What is not insured
We will provide the following insurance for        We will not pay if you cancel the journey
any journey or UK holiday:                         after the ship or aircraft is delayed if:
– The money you lose for the deposit and           – you do not check in on time, (unless you
any advance payments , including pre-paid          could not check in because of strike,
ski hire, ski tuition and ski lift passes if you   industrial action or bad weather); or
have chosen winter sports cover.                   – the ship or aircraft is ordered by a port
– Other transport and accommodation                authority or the civil aviation authority or any
charges which you have paid or you will            similar organisation to stop the journey.
have to pay under contract. (We will only
pay a percentage of these charges if you           The excess shown in your schedule.
have cut your journey or UK holiday                This applies to each policyholder.
short.)
–The extra cost of travel and                      Any claim if you are travelling or going to
accommodation you have to pay to return to         travel:
the United Kingdom or to allow you to              – against the advice of a medical
continue your journey or UK holiday.               practitioner;
(We will only pay these costs if your              – after being told by a medical
journey or UK holiday is cut short or your         practitioner that you have a terminal
plans change.)                                     illness; or
                                                   – to get medical treatment abroad.

                                                   Any claim arising from any circumstances
                                                   you knew about when we accepted this
                                                   insurance and you expected would mean
                                                   you would have to cancel or cut short the
                                                   journey or UK holiday.

                                                   Compensation if the piste is closed and if
                                                   there is an avalanche.

                                                   Any amounts you can get from elsewhere.

                                                   The most we will pay for any claim for
                                                   cancelling your journey or cutting it short is
                                                   the limit shown on your summary of
                                                   limits.
We will pay these amounts if you have to        Any claim arising from the following.
cancel your journey or your UK holiday
or cut it short because of the following:       Industrial action or strikes which happened,
                                                or which were expected on or before the
a Accidental injury to, or illness or death     date you booked the journey.
of:
– you;                                          You being made redundant or told you are
– a relative;                                   going to be made redundant on or before
– a close friend or business colleague;         the date you booked the journey or UK
or                                              holiday.
– any person who you are going to travel or
stay with during the journey or UK              Any accidental injury, illness or death
holiday.                                        caused by you:
                                                – taking drugs unless they are prescribed by
b If you or anyone who you are going to         a doctor, but not to treat drug addiction;
travel or stay with on the journey or UK        – taking part in any of the activities we do
holiday are placed in quarantine,               not cover
summoned for jury service, called as a          – committing or attempting to commit
witness in a court of law or hijacked.          suicide;
                                                – being aware of any reason that you may
c If you are made redundant within the          have to cancel or curtail your journey or
terms of the Employment Protection Act.         UK holiday
                                                - you expecting to be under the care of a
d If your home is damaged in an accident        medical practitioner within 15 weeks of
and you cannot live in it.                      the start of the journey or UK holiday,
                                                during the journey or UK holiday or within
e If the police ask you to stay at home after   15 weeks of the end of the journey or UK
a theft at your home or place of business.      holiday
                                                - travelling for the purpose of obtaining care
f If the ship or aircraft which you are going   from a medical practitioner
to travel on is delayed by at least 24 hours    – being on a waiting list for treatment in a
because of a strike, industrial action, bad     hospital; or
weather or mechanical breakdown.                – having a chronic illness for which you had
                                                to be referred to a consultant or hospital in
                                                the 12 months before you booked the
                                                journey or a UK holiday.

                                                Any claim you make for losing your deposits
                                                and any advance payments under a
                                                timeshare or similar agreement.
Missing your departure section

What is insured                                 What is not insured
We will pay up to the limit shown on your       Any claim you make if the strike or industrial
summary of limits for extra transport and       action happened or was expected to happen
accommodation charges to allow you to           before your departure date.
reach your destination if you arrive at the     Any accidental damage or breakdown of the
port or airport too late because:               car you are travelling in if the car is:
– the public transport services you are         – over 15 years old;
travelling in are affected by a strike,         – not in good mechanical or roadworthy
industrial action, bad weather or they break    condition;
down; or                                        – being used for motor racing, rallies, tests,
– the car you are travelling in is damaged in   or for practising any of these activities;
an accident or breaks down.                     – carrying more people than it was designed
                                                to carry, or more people than there are seats
                                                in the vehicle;
                                                – carrying more than eight people; or
                                                – damaged by frost or worn tyres.
                                                The cost of repairing any vehicle.


Travel delays section

What is insured                                 What is not insured
If the ship or aircraft on which you are        We will not pay anything in the following
booked to travel is delayed to or from the      circumstances.
United Kingdom because of a strike,             – You do not check in on time (unless you
industrial action, bad weather or mechanical    could not check in because of a strike,
breakdown, we will pay you the amounts          industrial action or bad weather).
shown on your summary of limits.                – The delay is caused by a strike or industrial
                                                action which happened or you expected to
                                                happen before the date we accepted this
                                                insurance.
                                                – The delay is caused by the ship or aircraft
                                                being ordered by a port authority or the civil
                                                aviation authority or any similar organisation
                                                to stop the journey.
                                                – You decide to cancel the journey and we
                                                pay a claim under the „Cancelling your
                                                journey or cutting it short‟ section.
Delayed personal baggage section

What is insured                                  What is not insured
If your personal baggage is temporarily          We will not pay for the following.
lost for more than 24 hours on your              – The excess shown in your schedule.
outward journey, we will pay you up to the       – Money, credit cards, bonds, securities of
limit shown on your summary of limits            any kind or contact lenses.
towards the cost of buying replacement           – Any property you have insured separately.
clothing, toiletries and similar items. If the   – Any claim caused by a government, public
baggage is lost permanently, we will take        or police authority confiscating or holding
any amount we pay for these emergency            your personal baggage.
items from the total amount we pay under         – Motorised vehicles, caravans, trailers,
your contents policy.                            aircraft, hovercraft, jetskis or boats or parts
                                                 or accessories for any of them (other than
                                                 entertainment equipment you can take with
                                                 you when you leave your vehicle).
                                                 – Pedal cycles.
                                                 – Household goods and domestic equipment.
                                                 – Property used for any trade or business
                                                 purposes.
                                                 – China, glass and pottery.
                                                 – Winter sports equipment.


Losing your passport section

What is insured                                  What is not insured
If, during the journey, you lose your            We will not pay for the following:
passport and you have to pay extra travel        – If you do not report the loss to the
and accommodation costs abroad to allow          embassy of your home country within 24
you to get a replacement, we will pay up to      hours of discovery.
the limit shown in your summary of limits        – If you lose your passport from any
for each policyholder.                           vehicle.
                                                 – Any other expenses you may have to pay
                                                 because you have lost your passport.
Personal accident section
What is insured                                 What is not insured
If during the journey you are accidentally      We will not pay for accidental injury,
injured and within two years you become         death or a disability caused by you:
disabled or you die because of the injury,      – expecting to be under the care of a
we will pay you or your dependants the          medical practitioner during the journey
benefit. If you die or become disabled as the   or within 15 weeks of the end of the
result of being exposed to severe weather,      journey
we will include it under accidental injury.     - travelling for the purpose of obtaining care
                                                from a medical practitioner;
Benefits                                        – taking drugs unless they are prescribed by
                                                a doctor and not to treat a drug addiction;
Death                                           – taking part in any of the activities we do
1 If you die, we will pay up to the limit       not cover;
shown on your summary of limits.                – committing or attempting to commit
Disability                                      suicide; or
2 If you lose one limb or one eye, we will      – being under the influence of alcohol.
pay up to the limit shown on your
summary of limits.                              Accidental injury, death or a disability if
3 If you lose two or more limbs or both eyes    you are travelling:
or one eye and one limb, we will pay up to      – against the advice of a medical
the limit shown on your summary of              practitioner;
limits.                                         – after being told by a medical
                                                practitioner that you have a terminal
Paying claims                                   illness; or
We will only pay one of the benefits            – to get medical treatment abroad.
mentioned above for each policyholder if it
relates to the same accident. If an accident    Accidental injury caused by something
happens, and you need to claim under            which happens gradually other than
benefits 1 to 3, we will not provide any        exposure to the weather.
cover for further accidents to that
policyholder.                                   Accidental injury resulting from sickness
                                                or disease or any natural condition or
Being disabled                                  degenerative disease.
We will only pay out under benefit 2 or 3 if
you can prove that your loss of limbs or        Sports and pastimes
eyes is permanent.                              We will not pay any benefit if you cannot
                                                take part in any sport or pastime because of
If you go missing                               your disability.
If you go missing and after a certain time
we think you have died because of an
accidental injury, we will pay the death
benefit to your dependants. We must have
a signed undertaking that if you are found
alive, we will receive a refund of the death
benefit.

People under 18
If a policyholder is under 18, we will only
pay the limit shown on your summary of
limits for benefit 1.

Emergency hospital and travel expenses and hospital benefit section
What is insured          What is not insured
Emergency medical        Any medical expenses you have to pay for the following.
and travel expenses      – Expenses you have to pay in the United Kingdom or country
If during the journey    where you normally live;
you become ill,          – Any expenses which arise more than one year after you need
accidentally injured or treating;
you die, we will pay for – The cost of any non-emergency treatment or surgery, including
emergency medical        exploratory tests, which are not directly related to the illness or
expenses and             injury;
emergency travel         – Any cosmetic surgery or treatment which, in the opinion of the
expenses. We will pay    doctor and our medical advisors, can be delayed until you
up to the limit shown in return to the United Kingdom;
your summary of          – If you are on a waiting list for treatment;
limits for each          – Any dental treatment which could wait until you return to the
policyholder.            United Kingdom; or
                           – Expenses which are not thought necessary by a medical
Hospital benefit           practitioner.
If during the journey
you go into hospital for   Any claim which is the result of:
more than 24 hours, we     – a chronic illness which you have been referred to a consultant
will pay you up to the     for during the 12 months before this insurance started (unless
limits shown in your       we have accepted the condition);
summary of limits          – you expecting to be under the care of a medical
while you are in           practitioner during the journey or within 15 weeks of the end
hospital.                  of the journey
                           - travelling for the purpose of obtaining care from a medical
                           practitioner;
                           – you taking drugs unless they are prescribed by a doctor but
                           not to treat drug addiction;
                           – you taking part in any of the activities we do not cover
                           – you committing or attempting to commit suicide;
                           – you being under the influence of alcohol; or
                           – a mental disease or disorder.

                           Any claim if you are travelling or going to travel:
                           – against the advice of a medical practitioner;
                           – after being told by a medical practitioner that you have a
                           terminal illness; or
                           – to get medical treatment abroad.

                           The excess shown in the schedule for emergency medical
                           expenses and emergency travel expenses.
In an emergency
You can get immediate help by contacting FirstAssist Services Limited.
Phone: 020 8763 3008       Fax: 020 8763 3035
You will need to give FirstAssist Services Limited a phone or fax number where you can be
contacted so that they can help you as quickly as possible.
You must let FirstAssist Services Limited decide what to do next. Please do not try to solve
your own problem.

Legal expenses section

Words with special meanings are printed in bold throughout the policy wording.
However, the words that are set out below have meanings that only apply to this section of
the policy.

We,us,our     FirstAssist Insurance Services Limited, which handles claims under this section
              of the policy on behalf of the insurer, Royal & Sun Alliance Insurance plc.

              If you need to claim under this section, you should immediately contact:
              FirstAssist Insurance Services Limited
              Marshall‟s Court
              Marshall‟s Road
              Sutton, Surrey
              SM1 4DU.
              Phone: 020 8652 1313
              Fax: 020 8661 7604


What is insured                                 What is not insured
Royal & Sun Alliance Insurance plc will         Royal & Sun Alliance Insurance plc will not
insure you for the following.                   cover any claim:
                                                – for legal expenses which we have not
Legal expenses up to the limit shown on         agreed to beforehand in writing;
your summary of limits to claim                 – reported to us more than 90 days after the
compensation or damages if you are injured      incident;
or you die as a direct result of an accident    – where we think there is not a reasonable
that happens during the journey.                chance of you winning the case or achieving
                                                a reasonable outcome;
                                                – where a reasonable estimate of your total
                                                legal expenses is greater than the
                                                compensation that you are claiming;
                                                – where you are injured or die as a result of
                                                taking part in activities we do not cover;
                                                – arising from your business or professional
                                                activities;
                                                – for damages or fines you have to pay;
                                                – in connection with a UK holiday;
                                                – made by you against us or the insurer; or
                                                – for any costs relating to a claim or
                                                counterclaim made against you.

                                                You should also read the exclusions
How we settle claims under this section

You will need to meet the cover conditions and the claims conditions as your part of this
contract. You must also keep to the conditions on this page and the following pages.
1. If anything happens which might lead to a legal expenses claim, you must tell us
immediately by filling in a claim form and giving us a full and truthful account of the details
of your claim. You must give us any information we may ask for. Until you have told us
about the claim and we have given our written agreement, we will not be responsible for
any legal expenses.
We will give you our agreement if:
– we think you have a reasonable chance of winning your case and achieving a reasonable
outcome; and
– we think it is reasonable to pay your legal expenses.
If we do not accept your claim, we will tell you why.
2. You must take all reasonable measures to try to prevent or avoid being involved in legal
proceedings and keep the costs as low as possible.
3. If there is a dispute between you and us or the insurer about this section of the policy, it
can be taken to an independent arbitrator.
The arbitrator will be a solicitor or barrister whom you and we agree to. If we cannot agree
with you on an arbitrator, the President of the Law Society (or similar organisation) will
choose an arbitrator.
The side that loses the arbitration will pay the costs of the arbitration.
If the decision is not totally in the favour of one side, the arbitrator will decide who pays the
costs. You will not be able to claim any costs awarded against you from the policy.
4. If you want to appeal against a court‟s decision you must give us your reasons and get
our agreement. You must give us written notice by recorded delivery at least ten working
days from the final date for lodging your appeal.
5. When an incident happens outside the EU, we will appoint and control the legal
representative.
6. If your representative wants to consult a barrister or expert witness, we will agree if
we think it is reasonable. You must give us the name of the barrister or expert witness and
the reasons why you need one.
7. We may take over and continue in your name all legal action in any of the following
circumstances:
– the dispute is for an amount which is under £1,000 or if the dispute could be dealt with by
the small claims court;
– you take legal action against someone without our agreement, or in a different way from
that advised by your representative;
– you do not give proper instructions to your representative or barrister in time; or
– you cause a delay and your representative thinks it will harm your case.
In these circumstances, we may carry out our investigation and try to settle your dispute.
You must agree to a settlement which is reasonable.
8. You must tell us if an offer is made to settle the dispute. You must not negotiate or
agree to settle the dispute without having our agreement beforehand. If you do not accept
a reasonable offer to settle the dispute, we may not continue to support your claim.
9. You must give your representative all the information and help he or she may need,
including a truthful account of the facts of your case and any paperwork to do with your
case.
10. We must be able to contact your representative. You and your representative
must co-operate with us and tell us about developments to do with your case. We must be
able to have access to your representative’s files if we ask for this.
11. You must send us all bills for the representative’s legal expenses as soon as you
receive them. You must confirm to us that any charges you have to pay for the
representative’s handling of the dispute are acceptable and that we may pay the bill for
you.
If we ask, you must tell your representative to get the court to tax your legal
expenses, or get the Law Society to certify them according to the Solicitors Act 1974 or the
Solicitors Remuneration Order 1972.
12. You and your representative must take every step to recover legal expenses.
You must pay any recovered legal expenses to your representative who must then
refund any legal expenses which we have paid or which we are due to pay.
13. If, during the claim, we think that there is no longer a reasonable chance of you
winning the case and achieving a reasonable outcome, we may not continue to support
your legal proceedings.
If we do not carry on with your claim, we will tell you why.
Hijack section

What is insured                                     What is not insured
If the aircraft or other vehicle which you are
travelling in during the journey is hijacked
and you are held for at least 24 hours, we
will pay you the limit shown on your
summary of limits.


Winter sports section

What is insured                                     What is not insured
If you are going on a winter sports holiday,        Compensation if the piste is closed.
we will change your travel cover as follows         Compensation if there is an avalanche.
when you choose the winter sports option.
Cover for the money you lose for the
deposit and any advance payments for pre-
paid ski hire, ski tuition and ski lift passes is
covered under the „Cancelling your journey
or cutting it short‟ section.

Ski pack
If you fall ill or are injured during the           Claims caused directly or indirectly by you
journey, we will pay you the costs of the           taking part in any of the activities we do
part of the ski pack, including ski lessons, ski    not cover.
hire and ski lift passes, which you are not
able to use.
We will pay up to the limit shown in your
summary of limits.
Travel Claim conditions

These are the conditions you will need to keep to as your part of the contract.
If anything happens which might lead to a claim, what you must do depends on what has
happened. You can wait until you return home before you send us your claim, but you
must tell us about any claim within two months of the event. For medical expenses
claims, you should read the section for the service of FirstAssist Services Limited „in an
emergency‟.

Travel delays
If you want to claim for cancellation after you have been delayed for 24 hours or more or if
you want to claim for the delay, you must produce the following evidence from the
transport company or their agents.
– Evidence that you checked in on time.
– Evidence that the delay lasted for the time you have claimed.
– And evidence of the reason for delay.

Rights and responsibilities
You must not settle, reject or negotiate any claim without our written permission.
We have the right, at our expense and in your name, to:
– take over the defence or settlement of any claim;
– start legal action in your name to get compensation from anyone else; or
– start legal action in your name to get back from anyone else payments that have already
been made.
You must give us, and pay for, all the information we reasonably ask for about any claim.
You must also help us to take legal action against anyone or help us defend any legal
action if we ask you to. You must also agree to have any medical examination (which we
will pay for) if we ask you to.

Other insurance
If you claim under this policy for something which is also covered by another insurance
policy, we will only pay our share of any claim. You must give us full details of the other
insurance policy.
Travel conditions

These are the other conditions you must keep to as your part of the contract.

Taking care
Your family must take all reasonable steps to prevent loss or damage to everything which
is covered by this insurance. Your family must make every effort to recover any property,
which has been lost.

Changes in your circumstances
When you arranged your insurance, you told us certain material facts. You must tell us or
your insurance adviser straight away about any of the following changes.
– If there is a reason why the holiday may be cancelled or cut short.
– If any policyholder is no longer in good health or free from mental or physical illness.
– If you or any member of your family, or directors (if you are in a limited company) are
convicted of any offence other than driving offences.

If you do not tell us about any changes in these facts, you may not be insured in the event
of a claim or your cover may be affected.

Transferring your interest in the cover
You cannot transfer your interest in the cover to anyone else unless you get our written
permission.

Cancelling the cover

Premiums and payments

Fraud
If any claim is fraudulent or if your family or anyone acting for your family is dishonest in
claiming any benefit under your policy, you will lose all benefits under your policy.
Also read the conditions in the section „Travel claim conditions‟.


Travel Cover exclusions

These are the exclusions which apply to all the travel cover in addition to the policy
exclusions:

Radioactive contamination, War risks, Sonic Bangs, Existing and deliberate
damage, Date change and computer viruses

HIV and AIDS
Any loss, injury, illness, death, cancellation, cutting short the journey or UK holiday,
change of plan, delay, expense or liability directly or indirectly caused by HIV or any HIV-
related illness including AIDS.

Age limits
When any policyholder reaches 75 during an insurance period.
RSA Portfolio Motor Cover

Contents

Please note that not all of the sections listed below will apply to your cover. Those which do
apply are shown in your schedule.


Cover definitions
How to make your car more secure
What you should do when circumstances change
Section 1      Legal liability to others
Section 2      Fire and theft
Section 3      Loss and damage
Section 4      Windscreen insurance
How we will settle a claim under sections 2, 3 and 4
Section 5      Medical expenses
Section 6      Personal effects
Section 7      Foreign use
Section 8      No claim discount
Section 9      No claim discount protection
Section 10     Legal assistance plan
Section 11     Replacement locks
Conditions which apply to your whole cover
Exclusions which apply to your whole cover
What you should do if there is an accident or theft
How to use your claims helplines
Motor cover definitions
The words defined below will have the same meaning wherever they are shown in your
cover in bold print.

Accessories                     Accessories are defined as:
                                •        child safety seats;
                                •        roof racks;
                                •        roof boxes; and
                                •        cycle carriers.
Agreed value                    If you have requested insurance for your car on this
                                basis, the amount shown on your schedule for which
                                we have agreed to insure your car.
Annual mileage declaration      If applicable, the total amount of miles which you have
                                declared will not be exceeded during the insurance
                                period in respect of all journeys in your car.
Car valuation                   The documents you have supplied to us which prove the
                                agreed value of your car and which we have accepted.
Certificate of motor            The document which proves that you have insurance
insurance                       with us and is in respect of this policy in line with road
                                traffic laws.
Driver                          Anyone who is shown on your certificate of motor
                                insurance as being entitled to drive your car and has
                                your permission to drive it.
In-car equipment                In-car equipment is:
                                •        a radio, cassette, compact disc player or other
                                audio equipment;
                                •        a phone or other communication equipment;
                                •        navigation equipment designed primarily for use in
                                         your car; and
                                •        television or other visual entertainment equipment
                                including video cassette recorders, DVD players and
                                games consoles.

                                The equipment, except for portable navigation
                                equipment, must be permanently fitted in your car.
Key                             Key means any device used for starting your car or using
                                its locks or immobiliser.
Loan Car                        Any car supplied to you under an agreement between us
                                and one of our approved repairers or a hire car company.
Market value                    The cost of replacing your car with a car of the same
                                make, model, specification, mileage and age, and which
                                is in the same condition as your car was immediately
                                before the loss or damage you are claiming for.
No claims discount              A discount from your premium in return for you not
                                making a claim.
Territorial limits              These are:
                                • the British isles;
                                • any country which is a member of the European Union;
               and
               • any other country which meets motor insurance
               Directives of, and is approved by, the European
               Commission.

               The territorial limits also include journeys by water, rail
               or air between or within any of these countries, as long
               as:
               •        your car is transported by a commercial carrier;
               and
               •        if transport is by water, the route taken does not
               last more than 65 hours under normal circumstances.
Terrorism      Terrorism means using or threatening violence or action
               against people, property, business or everyday life for
               political, religious or ideological reasons.
Your car       The car:
               •        whose details have been reported to and accepted
               by us;
               and
               •        whose registration number is shown in your
               certificate of motor insurance and your schedule.

               This includes any in-car equipment fitted as standard
               by the manufacturer.
Your partner   The partner or husband or wife of the policyholder living
               at the same address as the policyholder and sharing
               financial responsibility. This does not include business
               partners or associates.
How to make your car more secure

• Whenever there is no-one in your car, lock your car doors and shut the windows and
sun roof. Don‟t forget to lock your garage as well. A few seconds is all it takes for a thief to
steal your car or its contents.

• Take care where you park your car. If you have a garage at home please use it.
We may say that it MUST be garaged overnight.

• When you are away from home, try to use secure car parks. If this isn‟t possible, avoid
parking in back streets or quiet areas because these are ideal working conditions for a thief.
If you have to leave your car outside at night, always try to park in a well-lit and busy
area.

• Don‟t leave valuables on show - even when you are in the car. Thieves have been known
to reach through passenger windows when the car is not moving.

• Satellite Navigation equipment is very attractive to thieves and could be costly for you to
replace. When it is not being used, or when there is no-one in your car, keep any portable
satellite navigation equipment, including any removable fittings which may attract a thief
(such as suction cups), in a locked boot or locked glove compartment of your car.

• Take your key out of the ignition when there is no-one in your car (for example, at a
petrol station), even if it is only for a few seconds. If the key is in, or in the vicinity of, the
car and the car is stolen, whether your car is on the public highway or not, your policy
will not insure the theft or any damage.

• Fit extra security measures, such as a steering wheel lock or handbrake lock. Better still,
consider fitting an engine immobiliser, alarm system, or a tracking device.

• Take care where you put your car keys once they are removed from the car. When you
are away from home, keep them with you at all times. Do not leave them unattended - for
example, in a coat or purse. When you are at home, try and keep them away from your
front door, as thieves have been known to „fish‟ through the letter box to get hold of them.

• An effective way to beat the car thief is to have your windows permanently etched. A
thief will then think twice about stealing your car as it will be costly for them to replace the
glass. Book a visit to your local branch of Autoglass, show them your current Certificate
of Motor Insurance and have your car’s registration or chassis number etched onto your
glass.
What you should do when your circumstances change
If you change your      If you change your car, please tell RSA Portfolio on line.
car                     They will let you know about any change in your premium and will
                        send you an updated policy schedule and certificate of motor
                        insurance.
                        They will need to know the full details of your new car (for
                        example, its make and model, registration number and engine size).
                        They will also need to know whether the car is registered or owned
                        in another person‟s name and if it has been modified.
                        Whenever you change your car, you must get a new certificate
                        of motor insurance before you drive it. A change of car is subject
                        to the Certificate of motor insurance condition.
If you want to change   Your current certificate of motor insurance shows who is
drivers                 insured to drive your car. If you want to change any of the
                        names, please advise RSA Portfolio straight away on line. A change
                        in drivers is subject to the Certificate of motor insurance
                        condition.
If you change           Please advise RSA Portfolio on line with full details of your new
address                 address, including the postcode, as soon as you know it. They will
                        then let you know about any change in your premium and send
                        you an updated policy schedule.
If you want to drive    Your policy may insure you, only, for driving other cars which do
another car             not belong to you (provided your certificate of motor
                        insurance shows that you have this insurance). However,
                        insurance is restricted to third party liability only and does not
                        provide insurance for loss or damage to other cars you are driving.
                        The Driving Other cars insurance in this policy does not apply to any
                        car belonging to your partner.
                        This limited insurance can be very useful in an emergency, but if
                        you are planning to drive someone else‟s car regularly you should
                        be named on their insurance policy.
If you need to use      Your policy provides insurance for legal liabilities while you are
your car for towing     towing, but it doesn‟t provide insurance for loss or damage to the
                        items being towed. You will need to arrange separate insurance for
                        those items if you need loss or damage insurance for them.
If any other            You must tell RSA Portfolio on line about any other changes
circumstances change    immediately, for example:
                        •       if you or any other driver has been convicted of any
                        motoring offence including fixed penalty offences, or has any
                        prosecutions outstanding;
                        •       if you or any other driver has been involved in any
                        accidents, losses or thefts, regardless of whether a claim was made;
                        •       if you or any other driver has been convicted of a criminal
                        offence or have possible prosecutions outstanding;
                        •       if you or any other driver develops a health condition
                        which may affect their driving, or an existing condition worsens;
                        •       if the main driver of your car changes;
                        •       if the registered keeper or owner of your car changes;
                         •        if there is a change in use of your car (for example, you
                         require business use);
                         •        if you get an extra car or change your car for another one;
                         •        if the place where your car is usually kept changes;
                         •        if the number of vehicles in your family changes;
                         If you are not sure whether to report a change, please contact RSA
                         Portfolio.
How your no claim        You earn a no claim discount for each year of insurance during
discount works           which you do not claim. The discount increases each year up to the
                         maximum on your usual scale. A single claim, if you are „at fault‟
                         (or if we cannot recover full losses from another person‟s insurer)
                         reduces your no claim discount.
                         However, if you have applied and been accepted for no claim
                         discount protection insurance, your discount will not be affected
                         unless you have more than two „at fault‟ (or if we cannot recover
                         full losses from another person‟s insurer) claims in five years. Upon
                         the occurrence of a third claim your no claim discount will be
                         reduced.
Reduction of             If you ask us to, and depending on your existing level of
insurance to “Laid up”   insurance, we will reduce your insurance to loss and damage
status                   (section 3) or fire and theft (section 2) and give you a refund as
                         long as:
                         •        your car is kept in a locked garage and is not used for at
                         least 30 consecutive days,
                         •        you provide us with notice before you stop using the car,
                          you comply with the Certificate of motor insurance condition,
                              and
                         •        you have not made a claim during the current insurance
                         period.
                         Whilst your insurance is laid up you will have no insurance to use
                         your car on a road or public highway. We can only maintain this
                         level of insurance until your next renewal.
                         You can, after 30 days, ask us to reinstate your insurance and we
                         will calculate the additional premium then due.
Section 1
Legal liability to others
This section only applies if it is listed in your schedule.

What we insure

A What we insure

We insure legal responsibility for:
•       killing or injuring someone;
or
•       damaging property (we will pay up to £20,000,000. This limit includes legal costs for
any claim or claims arising from one incident);

after an accident involving:
        your car,
        a trailer which is attached to your car, or
        any other vehicle that your certificate of motor insurance allows only you to use
     in the British Isles.

B Who we insure

We insure you:

   using your car
   using any other vehicle that your certificate of motor insurance allows you to use in
    the British Isles.

We insure the following other people:
•      any driver using your car,
•      anyone you allow to use (but not drive) your car for social, domestic and
       pleasure purposes,
•      anyone who is a passenger in your car,
•      any employer of a driver shown on your certificate of motor insurance, as long
as your certificate of motor insurance allows the use your car is put to,
•      the legal representatives of any person who dies and who would have been insured
under this section.


C Insurance for legal costs and expenses

We insure you and those people in Section 1 Part B for the following for any incident which
might involve legal liability under your policy.
•      The costs of defence against a charge of manslaughter or causing death by
dangerous driving. You must have our written permission before agreeing to these costs.
•      Solicitors‟ fees at a coroner‟s inquest, fatal inquiry or magistrates‟ court. You must
have our written permission before agreeing to these costs.
•      Other legal fees, costs and expenses which we have agreed to in writing.
D Insurance abroad

We provide the minimum insurance required by law to allow you to use your car in any of
the following countries.
•       Any country which is a member of the European Union.
•       Any other country which meets the motor insurance Directives of, and is approved
by, the European Commission.

E Emergency treatment fees

We will pay the cost of any emergency medical treatment required under road traffic laws.
If we pay emergency treatment fees, this will not affect your no claim discount.


What we do not insure

We do not insure the following.

1. Loss of or damage to your car or any other property which is owned by or in the care of
anyone making a claim under this section.

2. Legal liability for death of or physical injury to anyone as a result of their job, except as
required under road traffic laws.

3. Legal liability in connection with any vehicle which belongs to or is hired to the employer
or business partner of you or your partner, if there is any other insurance policy covering
the same liability.

4. The legal liability of anyone who is not driving but who is claiming insurance if they know
that the driver does not have a valid licence to drive your car.

5. The legal liability of anyone other than you, if they are entitled to insurance under any
other insurance policy.

6. Legal liability, except as required under road traffic laws, as a result of using a vehicle on
any part of an airport or airfield provided for aircraft movement, parking or maintenance.

7. We will not be liable for any consequence of terrorism unless we have to meet the
requirements of any road traffic legislation.
Section 2
Fire and Theft
This section only applies if it is listed in your schedule.

What we insure                                   What we do not insure
We insure loss or damage caused by fire,         We do not insure the following.
lightning, explosion, theft or attempted theft   1.       Any excess shown under „Fire‟ or
to:                                              „Theft Excess‟ in your schedule for any loss
•        your car;                               or damage to your car which is caused by
•        in-car equipment;                       fire, theft or attempted theft.
•        accessories and spare parts which       These excess will not apply if your car is in
are fitted into or onto your car or kept in      your locked private garage at the time of
your private garage; and                         the fire, theft or attempted theft.
•        a trailer (if your schedule shows       2.       Loss of value.
that you have this insurance).                   3.       Wear and tear.
•        a loan car                              4.       Loss of use.
If we give you a loan car, we will insure it     5.       Loss or damage to a part that breaks
as if it was insured under Section 3 and         or fails and any resulting loss or damage
Section 4.                                       caused to any other parts.
For claims conditions relating to this section   6.       Damage to tyres caused by
please read „How we will settle a claim under    punctures, cuts or bursts.
Sections 2, 3 and 4‟.                            7.       Loss or damage resulting from your
                                                 car being taken, without your permission,
                                                 by:
                                                 •        your partner;
                                                 •        your boyfriend or girlfriend;
                                                 •        your children;
                                                 •        anyone who normally lives
                                                 with you; or
                                                 •        a member of your family.
                                                 8.       Any loss or damage to your car
                                                 if:
                                                 •        your car is unlocked;
                                                 •        your car windows or sunroof are
                                                 open; or
                                                 •        your car key(s) are in, or in the
                                                 vicinity of, your car;
                                                 when there is no-one in it.
                                                 9.       Loss or damage caused by deception.
                                                 10.      Loss or theft of portable satellite
                                                 navigation equipment when there is no-one
                                                 in your car, unless it is stored out of sight in
                                                 either a locked boot or glove compartment.
Section 3
Loss and damage
This section only applies if it is listed in your schedule.

What we insure

A Loss and damage

We insure loss of or damage to:
•       your car;
•       in-car equipment;
•       accessories and spare parts which are fitted into or onto your car or kept in your
private garage;
•       a trailer (if your schedule shows that you have this insurance); and
•       a loan car.

B New car replacement

If you buy your car new and within 12 months it is:
•       stolen and not recovered; or
•       damaged and the repair cost is more than exceeds 60% of its current new list price
including VAT (where appropriate);
we may replace it with a new car of the same UK specification.

C Emergency overnight accommodation

We will pay up to the amount shown as „Overnight accommodation‟ in your schedule for
necessary expenses for emergency accommodation if you or any other driver:
•       cannot use your car during a journey as a result of loss or damage which we
insure;
•       cannot reach your destination.
For claims conditions relating to this section please read „How we will settle a claim under
Sections 2, 3 and 4‟.

D Loss of road tax

If your car is stolen and unrecovered, or damaged and an RSA engineer confirms the
vehicle is a total loss, we will pay for any road tax that is still left that you are not able to
recover from the licensing authorities.
What we do not insure

We do not insure the following.

1. Any excess shown under „Accidental Damage Excess‟ in your schedule for any loss or
damage to your car.
This excess will not apply to loss or damage caused by fire, theft and attempted theft.
2. Any additional excess shown in your schedule for young or inexperienced drivers for
any loss or damage while your car is being driven by them or in their care.
This excess will not apply when your car is in the care of:
•       a garage or similar motor trade organisation for servicing or repair; or
•       a hotel or restaurant for the purpose of parking.
3. Any excess shown under „Fire‟ or „Theft Excess‟ in your schedule for any loss or
damage to your car which is caused by fire, theft or attempted theft.
These excesses will not apply if your car is in your locked private garage at the time of
the fire, theft or attempted theft.
4. Loss of value.
5. Wear and tear.
6. Loss of use.
7. Loss or damage to a part that breaks or fails and any resulting loss or damage caused to
any other parts.
8. Damage to tyres caused by punctures, cuts or bursts.
9. Loss or damage resulting from your car being taken, without your permission, by:
•       your partner;
•       your boyfriend or girlfriend;
•       your children;
•       anyone who normally lives with you; or
•       a member of your family.
10. Any loss or damage to your car if:
•       your car is unlocked;
•       your car windows are open;
or
•       your car key(s) are in, or in the vicinity of, your car;
when there is no-one in it.
11. Loss or damage caused by deception.
12. Loss or theft of portable satellite navigation equipment when there is no-one in your
car, unless it is stored out of sight in either a locked boot or glove compartment.

Important note:
Exceptions 1 to 12 apply to all of this section.
Section 4
Windscreen insurance
This section only applies if it is listed in your schedule.

What we insure

We insure loss of or damage to the windscreen, windows and glass sunroof of your car or
of any loan car and any damage to the bodywork which is caused by the broken glass.
If you only make a claim under this section it will not affect your no claim discount.
For claims conditions relating to this section please read „How we will settle a claim under
Sections 2, 3 and 4‟.

What we do not insure

Any excess shown under „Windscreen or Window Glass Excess‟ in your schedule for:
•      any claim which is only for replacing glass; or
•      any scratching of the bodywork which is caused by the broken glass.
This excess will not apply if the damage to the windscreen, windows or glass sunroof is
repaired.
How we will settle a claim under sections 2, 3 and 4
A The maximum We will provide insurance up to the following amounts.
amounts we will 1. For your car, either;
insure          a) the market value; or
                  b) the cost of a replacement new car (Section 3B); or
                  c) the agreed value;
                  depending on the circumstances and the level of insurance shown on
                  your schedule.
                  2. For in-car equipment – if the equipment has been fitted as
                  standard or as an option by your car’s manufacturer, we consider it to
                  be part of your car and so no separate limit applies. Otherwise, we will
                  pay up to the amount shown as „In-car equipment‟ insurance in your
                  schedule.
                  3. For your car’s accessories and spare parts – the manufacturer‟s
                  last published retail price. We will also provide insurance for any child
                  safety seats which are fitted to your car at the time of an incident,
                  even if there is no apparent damage.
                  4. For any trailer – the amount shown in your schedule.
                  5. For emergency accommodation – up to the amount shown as
                  „Overnight accommodation‟ in your schedule.
B How weRSA       If the loss or damage is insured under your policy, we will settle your
will settle you   claim as explained below.
claim             1. Your car and trailer
                  If your car is lost or damaged:
                  •        We may choose to repair the damage or pay the amount of loss
                  or damage.
                          We may decide to use suitable parts or accessories which are
                  not supplied by the original manufacturer.
                  •        If your car is lost and never found, or if in our view, it cannot
                  be repaired for a reasonable cost, we will pay either:
                  a) the market value; or
                  b) the cost of a replacement new car (Section 3B); or
                  c) the agreed value;
                  depending on the circumstances and the level of insurance shown on
                  your schedule.
                  •        We will deal with a claim for loss or damage to a trailer in the
                  same way, as long as insurance for the trailer is shown in your
                  schedule.
                  2. In-car equipment, the windscreen, windows and glass
                  sunroof
                  If the in-car equipment, windscreen, windows or glass sunroof are
                  lost or damaged, we will:
                  •        pay for the damage to be repaired (if repairs can be made for a
                  reasonable cost); or
                  •        if repairs cannot be made for a reasonable cost, or if the item is
                  lost and never found, we will arrange replacement with property of
                  similar quality and value.
                  3. Loan car
                  If a loan car is lost or damaged, we will settle the claim with the
                   repairer or hire car supplier under the terms of your policy and under
                   any agreement you have with the repairer, hire car supplier or us
                   relating to the loan car.
                   Any claim for loss or damage to a loan car will affect your no claim
                   discount as if you were claiming for loss or damage to your car. Any
                   excess which would apply to your car if you had comprehensive
                   insurance will also apply to a loan car.
C Hiring and       If you have a hire purchase agreement or vehicle leasing agreement for
other agreements   your car, we will pay any claim to your car’s legal owner.
D Protecting       If the loss or damage is insured under your policy, we will pay the
removing and       reasonable costs of:
delivering your    •        taking your car to the nearest repairer if it cannot be driven;
                   and
car
                   •        delivering your car to your address in the British Isles after it
                   has been repaired.
Section 5
Medical expenses
This section only applies if it is listed in your schedule.


What we insure


We will pay benefit up to the amount shown as „Medical expenses‟ in your schedule for
the cost of medical treatment for anyone injured in an accident in your car.
Section 6
Personal effects
This section only applies if it is listed in your schedule.


What we insure

We insure loss of or damage to personal possessions in or on your car up to the amount
shown as „Personal effects‟ in your schedule.
We will pay you or, if you prefer, the owner of the property.


What we will not insure

We do not insure the following:
1. Money, stamps, tickets, documents, bonds, vouchers, lottery tickets, scratchcards, raffle
tickets, Air Miles, trade samples or any property insured under any other policy.
2. Personal possessions stolen from an open-top or convertible car, unless they are kept in a
locked boot or locked glove compartment.
3. Loss of or damage to personal possessions carried in or on a trailer.
4. Wear, tear, loss of value and loss of use.
Section 7
Foreign use
This section only applies if it is listed in your schedule.


What we insure

A Insurance for your car


If you take your car to any country in the territorial limits outside of the British Isles,
your policy insurance will apply up to the number of days shown as „Foreign use‟ in your
schedule.
If the length of any visit (or the total length of all visits during the insurance period) is
greater than the number of days shown as „Foreign use‟ in your schedule, you must tell
us before you take your car abroad. You will have to pay an extra premium to extend
your insurance.
If your certificate of motor insurance allows you to drive any other car, insurance for
that car is restricted to the British Isles.

B Insurance for customs duty

If your car is lost or damaged abroad, you may have to pay customs duty for it to be
stored or repaired. We will insure this customs duty as long as:
•      the loss or damage is insured under your policy; and
•      your car is in a country within the territorial limits.
Section 8
No claim discount
This section only applies if it is listed in your schedule.

If no incident occurs during the insurance period which results in a claim, your no claim
discount will increase in line with our usual scale.
If an incident occurs during the insurance period which results in a claim, your no claim
discount will reduce in line with our usual scale.
You cannot transfer your no claim discount to anyone else.




Section 9
No claim discount protection
This section only applies if it is listed in your schedule.

If you have chosen no claim discount protection, we will not reduce your no claim
discount unless more than two claims happen over five insurance periods in a row.
If two or more claims happen in the period stated above:
•       we will reduce your no claim discount in line with our usual scale for three or
more claims;
•       this section will no longer apply; and
•       Section 8 will apply.
Section 10
Legal assistance plan

Definitions
This section only applies if it is listed in your schedule. These definitions take precedence
over any other policy definition

We,us,our           Royal & Sun Alliance Insurance plc and anyone we may appoint to act
                    on our behalf.
Solicitor           The solicitor or other suitably-qualified person acting for you.
Motor accident      A motor accident which causes accidental loss of or damage to your
                    car or your property, or accidental bodily injury to you.
Legal expenses      Legal fees and other expenses your solicitor has reasonably charged
                    you (with our prior agreement) for any legal proceedings. Also costs
                    which a civil court has ordered you to pay or which we have agreed to.
Legal               Civil proceedings arising out of a motor accident.
proceedings
Uninsured losses    Expenses or compensation claims (or both) which are not insured by
                    your policy but for which you have a claim at law against the
                    responsible party.
You, your           The policyholder or other person insured to drive your car according to
                    the schedule and any passenger in your car, as long as any passenger
                    making a claim has your permission.
Your car            The car stated in the schedule, any replacement vehicle we arrange
                    for you while your car is being repaired after you have claimed under
                    this policy, any other vehicle which your certificate of motor
                    insurance allows you to use in the British Isles, or a trailer if your
                    schedule shows that you have insurance for a trailer. The trailer will
                    be insured whether or not it is attached to your car.
Part 1 – What we insure
This section only applies if it is listed in your schedule.


What we insure

In the event that you make a claim under this policy in respect of a motor accident in
which you are involved, we will try to recover your uninsured losses (and insure legal
expenses to claim those losses) provided we and your solicitor are of the view that it is
more likely than not that you will succeed in a claim for those losses.

If we have paid for any legal expenses and you are later awarded repayment of costs in
any claim, we will be entitled to reimbursement of those costs.

You have the right to choose a solicitor to act as your representative subject to our
agreement regarding charges.

We will appoint the solicitor upon our standard terms of appointment to act in your name
and for your benefit.

The most we will pay for legal expenses for all claims that arise from the same motor
accident is the amount shown in the schedule.


What we do not insure

We do not insure the following:
1. Any claim if you tell us about the motor accident more than 180 days after it
happened.
2. Any claim if the motor accident happened before insurance under this section started.
3. Any legal expenses incurred by you before we agree to appoint a solicitor to act for
you.
4. Any legal expenses charged as a result of your conduct which may reasonably be
considered to hinder your claim.
5. Any legal expenses if you withdraw from the legal proceedings without our
agreement. We will be entitled to a refund of any money we have paid.
6. Any claim arising from damage to your car where such claim is made against you.
7. Any expenses for an expert witness, unless we have given written approval.
8. Any legal expenses which you can claim under another insurance policy or which you
could have claimed if you had kept to the terms of that policy.
9. Any claim arising from a malicious act.
10. Any claim for any legal expenses relating to any other person or organisation bringing
a claim or counterclaim against you.
11. Legal expenses you can recover from any other person.
Part 2 Conditions
1 Controlling of   We and your solicitor will have control of any claim.
claims
                   You must:
                   •      keep us informed of any developments relating to you or your
                   claim as soon as possible after you find out about them;
                   •      follow our and your solicitor’s advice;
                   •      not start, defend, stop or withdraw from legal proceedings
                   without our agreement;
                   •      give us and your solicitor information and instructions as
                   requested.

                   We may see any information, documents or evidence you or your
                   solicitor has. We will have direct access to your solicitor at all times.

                   If in any legal proceedings your claim is not successful and you want
                   to appeal, you must write and tell us and your solicitor no later than:
                   •       14 days before the time for making an appeal ends; or
                   •       as soon as possible if the time period during which you may
                   make an appeal is 14 days or less.

                   We will insure your legal expenses for the appeal if we, and your,
                   solicitor agree that it is more likely than not that your appeal will
                   succeed.
2 Reasonable       We will try to recover your uninsured losses or pay your legal
prospect of        expenses provided we, and your, solicitor are of the view that it is
success            more likely than not that your claim or the legal proceedings will
                   mean you receive money by way of compensation.

                   If at any time we, or your, solicitor think that your claim or the legal
                   proceedings do not have a reasonable prospect of success, we will
                   confirm this in writing to you. We will tell you that we will not take any
                   more action or pay any more legal expenses, without our written
                   agreement, from 28 days after you receive the notice.

                   You have a right to continue the claim or legal proceedings but this
                   will be at your own expense.
3 Representation   When you have told us about a claim we may:
                   •        investigate the claim; and
                   •        attempt to achieve a fair settlement, using a solicitor if we
                   think it is necessary.

                   You have the right to choose a solicitor to act as your representative.
                   If you exercise your right to choose a solicitor you must not agree
                   charges without our consent. We will appoint the solicitor upon our
                   standard terms to act in your name and for your benefit.

                   We, or you, may refer any disagreement about your choice of the
                   solicitor to arbitration under the arbitration condition of this section.
4 Legal            The amount of legal expenses we will pay will be assessed under the
expenses           same principles as applied by the courts when assessing costs to be paid
                   by one person to another on the standard basis.

                   •       These are defined in England and Wales under Order 62 of the
                   Rules of the Supreme Court (from time to time), under Order 38 of the
                   County Courts Act 1984 and under the Civil Procedures Rules 1998.
                   •       If the claim falls under the law of Scotland, the claims for costs
                   and expenses will be restricted to amounts allowed in Sheriff Court
                   defended actions under Chapter II (in Ordinary proceedings) or under
                   Chapter IV (in Summary Cause proceedings) of the Act of Sederunt
                   (Fees of Solicitors in the Sheriff Court) (Amendment and Further
                   Provisions) 1993.

                   You or your solicitor must send all accounts for legal expenses to
                   us as soon as possible after you receive them.

                   We may ask your solicitor to have the legal expenses assessed
                   (detailed or summary), taxed or audited.

                   The legal expenses that we will pay will not be affected by any
                   agreement, or promise made by you to any solicitor or other person
                   unless we have approved it in writing.
5 Settlement       You must tell us as soon as possible of any offer to settle the claim
offers             (this includes any payment into court).

                   You or your solicitor must not accept or make any offer to settle the
                   claim if this would mean we have to pay legal expenses, unless you
                   have our agreement. We will not withhold our agreement
                   unreasonably.

                   If we or your solicitor are of the view that any offer to settle the claim
                   should be accepted, but you do not accept such offer and the amount
                   of the offer is equal to or greater than the total damages which you are
                   eventually awarded, we will not pay for any further legal expenses
                   from the date of the offer.

6 Options to pay   We may decide to pay your claim for compensation instead of
                   continuing your claim or legal proceedings.
7 Conflict of      If at any time during the course of the claim, we become aware of any
interest           possible conflict of interest, we will:
                   •       tell you about it in writing; and
                   •       give you the right to choose a solicitor.
8 Arbitration    You have the right to refer any disagreement you have with us to
                 arbitration. We also have the same right.

                 The arbitrator will be a solicitor or barrister we and you agree on. If
                 we and you cannot agree, the President of a suitable lawyers‟
                 organisation will be asked to choose one. Whoever loses the arbitration
                 will pay all the costs and expenses of the arbitration. If the arbitrator
                 decides in our favour, you cannot recover the costs of the arbitration
                 under this section.

                 We will write to you telling you of this right if we disagree about
                 anything. You must write and tell us if you want to take up this option.

                 Using the arbitration procedure does not prevent you from referring the
                 matter to the Financial Ombudsman Service or the right to appeal
                 against the arbitrator‟s decision in a court of law.
9 Cancellation   You may cancel this section of the policy at any time. We will refund
                 the appropriate proportion of your premium worked out from either the
                 date you contact us, or a future date from which you would like this
                 section of your policy cancelled.

                 We may cancel this section of the policy if we send you a letter giving
                 you 7 days‟ notice, to your last known address. We will then refund
                 the appropriate proportion of the premium.
Section 11
Replacement locks
This section only applies if it is listed in your schedule.


What we insure

We insure theft of your car key(s).
We will settle the claim by paying to replace the appropriate locks or lock mechanism.



What we do not insure

We do not insure accidental loss of your car key(s).
Conditions which apply to your whole cover
A Reporting a claim   You must tell us immediately about any incident or legal proceedings
                      which may lead to a claim.
                      If there has been a theft or attempted theft, you must also tell the
                      police immediately.
                      You should initially notify us of your claim by phone. Your initial
                      claim contact number is shown in your policy documentation. If we
                      then decide that we need an Accident or Theft Report form we will
                      send one which you should complete and return immediately.
                      Ideally when you call you will provide:
                      •       Name, address and contact phone number[s] (for you and
                      the driver of your car if not you). We will ask for information about
                      convictions so please try and have driving licence(s) available when
                      you call
                      •       Personal details necessary to confirm your identity
                      •       Your policy number
                      •       Information about your car and any damage it sustained
                      •       Details of the accident or claim circumstances (when, where
                      and how it happened)
                      •       Details of any witnesses and the Police or any other
                      emergency service that was called
                      •       Details of the other party or parties involved including
                      information about damage to their car or property and any injuries
                      that anybody might have sustained
                      •       Where appropriate your thoughts on who was to blame for
                      the accident
                      We may ask you to provide all the details in writing together with
                      any evidence which we may need.
                      If you receive a writ, summons or other legal documents or letters,
                      you must send them to us immediately.
                      You must not answer any letters without our written permission.
                      We will not refuse permission without a good reason.
B Assessing your      We suggest that soon after receiving your policy documentation you
claim                 read the section in your policy wording headed “What you should do
                      if there is an accident or theft”. Whilst we hope you never need the
                      information it is better to be prepared for the unexpected.
                      You must not admit or deny a claim or negotiate or promise to pay a
                      claim without our written permission. We will not refuse permission
                      without a good reason.
C Fraud               We will not pay benefits or arrange assistance if:
                      •       you or any person makes a false claim or deliberately
                      exaggerate your claim;
                      •       you or any person sends us false declarations or statements
                      to support your claim; or
                      •       you or any person sends us any other false or invalid
                      documents to support your claim.
                      Any fraud may result in your policy being invalid and all benefits
                      forfeited.
D Changes in risk     You must tell us immediately about any change in risk which could
                      affect your policy. For example, you must tell us if any of the
                      following happens:
                      •       You or any other driver has been convicted of any motoring
                      offence including fixed penalty offences, or has any prosecutions
                      outstanding;
                      •       You or any other driver has been involved in any accidents,
                      losses or thefts, regardless of whether a claim was made;
                      •       You or any other driver has been convicted of a criminal
                      offence or have possible prosecutions outstanding;
                      •       You or any other driver develops a health condition which
                      may affect their driving, or an existing condition worsens;
                      •       The main driver of your car changes;
                      •       The registered keeper or owner of your car changes;
                      •       There is a change in use of your car (for example, you
                      require business use);
                      •       You get an extra car or change your car for another one;
                      •       The place where your car is usually kept changes;
                      •       The number of vehicles in your family changes.

                      This is not a full list. If you are not sure whether to report any
                      change, please speak to us.
                      We may re-assess your insurance and premium as a result of any
                      important information you give us.
                      If you do not tell us anything which is relevant:
                      •       your policy may not be valid; and
                      •       we may reject your claim.
E Looking after       You and any other driver must do everything possible to prevent
your car              loss or damage and keep your car or any loan car in good
                      condition.
                      If you submitted an annual mileage declaration, you must take
                      all reasonable precautions to ensure that your car’s milometer is
                      working. You must notify us as soon as possible if it fails.
                      Failure to do so could result in all benefits under your policy being
                      lost.
                      You must allow us to examine your car at all reasonable times.
F Cancellation
G Other insurance     If a claim under your policy is also insured by other insurance, we
                      will only pay our share of the claim.
H Taking over your    If you make a claim, you must be prepared to take any steps we
rights                ask you to take to protect your rights. You must also be prepared
                      to allow us to act in your name and take any steps we feel are
                      necessary to protect your rights.
                      This may mean that we defend or settle the claim in your name.
                      If this happens, we will pay any costs and expenses involved.
I Insurance for car   Your policy allows you or your partner to receive a mileage
sharing               allowance from your or your partner’s employer, or accept
                      payment from passengers in your car as part of a car-sharing
                      agreement, as long as:
                        •       your car has not been built or adapted to carry more than
                        eight passengers and a driver;
                        •       you or your partner are not carrying passengers as part of a
                        business of carrying passengers;
                        •       you or your partner do not make a profit from the total
                        payments you or your partner receive for a journey;
                        •       your car is being used for a purpose included on your
                        certificate of motor insurance; and
                        •       the total payments for any mileage allowance you or your
                        partner receive are within the published guidelines of HM Revenue
                        & Customs.
J Our right to          We may claim back from you any payment which we make under
reclaim payments        your policy:
                        •       because of the requirements of any law; and
                        •       which we would not have paid if that law had not existed.
K Fraudulent            We will not pay benefits or arrange help if:
application for         •       any part of your application for this insurance; or
insurance               •       any further changes you ask for under this policy;
                        are deliberately or negligently fraudulent.
                        For example, this could include:
                        •       not telling us about motoring or criminal convictions;
                        •       not telling us about previous accidents or losses, even if a
                        claim was not made;
                        •       not telling us about modifications to your car;
                        •       giving us false information about who is the registered keeper
                        or owner of your car;
                        •       giving us false information about the main user of your car;
                        or
                        •       giving us false information about the true number of vehicles
                        in your family.

                        This is not a full list.
L. Making sure the      If your car is insured on an agreed value basis, you must ensure
agreed value is right   that the agreed value is a fair representation of your car’s value
                        throughout the time that you insure it with us. If the agreed value
                        is not so, in the event of a claim we will pay no more than either the
                        agreed value or the market value, whichever is the lower.
M. Certificate of       All copies of the Certificate of motor insurance, electronic or
motor insurance         otherwise, remain the property of Royal & Sun Alliance Insurance plc.
                        In the event that the Certificate of motor insurance is terminated
                        as a result of cancellation or a change in circumstances you will be
                        required to ratify the Certificate of motor insurance declaration
                        you have made that all copies of the Certificate, electronic or
                        otherwise, have either been destroyed, returned to us or lost. we will
                        provide a suitable declaration for you to use.
Motor Cover exclusions

These are the exclusions which apply to all the sections of your cover in addition to the
policy wording exclusions.

A Use and driving      We will not insure any claim if your car has been modified to increase
                       its top speed, acceleration or performance.
                       We will not insure any claim if your car is being:
                       •       used for a purpose which is not included on your certificate
                       of motor insurance;
                       •       driven by someone or in the care of someone for the purpose
                       of being driven, who is not shown as allowed to drive on your
                       certificate of motor insurance;
                       •       driven by someone who does not have a valid licence unless he
                       or she has held one and is not disqualified from getting another one;
                       •       driven by someone who does not meet the conditions of their
                       licence.
                       This does not apply to claims under Sections 2, 3 or 4 if your car is in
                       the care of:
                       •       a garage or similar motor trade organisation for servicing or
                       repair; or
                       •       a hotel or restaurant for the purpose of parking.
B Liability which      We do not insure any liability which results only from an agreement
results from an        you have made.
agreement
C Radioactive
contamination
D War risks
E Riot and civil       We do not insure incidents caused by riot or civil unrest outside of
unrest                 England, Scotland, Wales, the Isle of Man or the Channel Islands.
                       This exception does not apply to Section 1.
F Sonic bangs
G Pollution
H Rallies,             We will not insure any claim if your car is used:
competitions, trials   •       in a rally, competition or motor trial;
and track use          •       on a racetrack, circuit or prepared course;
I Public               We do not insure any loss or damage caused by any government,
authorities            public or local authority legally removing, keeping or destroying your
                       car.
What you should do if there is an accident or theft
What to do immediately after the accident

1. People are more important than property, so your first priority should be to check
whether anyone is injured and look after them. Call for medical help if necessary.
2. If anyone is injured, you must show your Certificate of Motor Insurance to the
police or to anyone who has a good reason for seeing it. If you can‟t do this at the scene,
you must report the accident to the police within 24 hours and produce your certificate of
motor insurance then.
3. If your car or anything in it is stolen, you should report the incident to the police as
soon as possible.
4. Always stop if you are involved in an accident and exchange:
•       names and addresses (including those of any witnesses);
•       details of insurance companies (including policy numbers if known); and
•       vehicle registration numbers.
5. Do not admit you are to blame or offer any payment. It could make it more difficult for
us to handle your claim and may affect your rights.
6. Draw a diagram of the accident scene. This should include:
•       the position of the cars before and after the accident;
•       the road layout;
•       any obstructions to your or other road users‟ vision;
•       the position of any witnesses; and
•       anything else which could be relevant to the cause of the accident (for example
speeds and distances involved, and weather conditions).
7. If you receive any letters or documents about the accident, please do not answer them
and forward them to us immediately.
8. If the accident or loss happens out of office hours, or you need emergency help, call one
of the UK claims helplines.


Notifying a claim

You should initially notify us of your claim by phone if your car is stolen or damaged
following an incident which is insured under your policy. Our team of experts will move into
top gear to get you back on the road, or get repairs done as quickly as possible. If we
decide that we need an Accident or Theft Report form we will send one which you should
complete and return immediately.

Ideally when you call you will provide:
•       Name, address and contact phone number(s) for you, and the driver of your car if
different. We will ask for information about convictions so please have any driving license(s)
ready when you call.
•       Personal details necessary to confirm your identity.
•       Your policy number.
•       Information about your car and any damage it sustained.
•       Details of the accident or claim circumstances (when, where and how it happened).
•       Details of any witnesses and the Police or any other emergency service that was
called.
•       Details of the other party or parties involved, including information about damage to
their car or property and any injuries that anybody might have sustained.
•       Where appropriate, your thoughts on who was to blame for the accident.

We may also request additional information (e.g. a sketch plan). Sometimes we may wish
to meet with you or undertake further investigations, but we will advise you about that
when you call to report the incident. Claims conditions require you to provide us with any
reasonable assistance or evidence that we require.

Car repairs

We take pride in the claims service we offer to our customers.
Where your policy provides insurance for damage to your car we have a network of
recommended repairers who will collect and redeliver your car. Where provided for under
your policy, they will also provide a loan car to keep you mobile. The repair process will
commence immediately the car arrives on their premises. To ensure there is no effect on
any existing warranty you may have they provide a lifetime guarantee on all paint and
bodywork repairs.
Where you choose not to use one of our recommended repairers we will arrange for the
damaged car to be examined by one of our motor engineers to agree the repair cost with
your nominated repairer. The inspection should happen within 2 working days of you
providing repair details to us.

If your car is stolen or not fit to drive (NB see different wording for Classic)

If you have comprehensive or third party fire and theft insurance, we will arrange for you
to have a hire car for up to 48 hours straight after the incident. We will pay for this.
If you have comprehensive insurance and your car is at one of our recommended
repairers, they will give you a loan car while yours is being repaired. We will pay for this.
However, you will not get a loan car if you have third party fire and theft or third party
only insurance, if your car is stolen and not recovered or if your car is damaged beyond
economical repair.

If your car is damaged but roadworthy (NB see different wording for Classic)

Our recommended repairers have been carefully selected to give you a fast, reliable and
professional service. By using them you will also benefit from:
•      our authority to start repairs as long as your car is economical to repair;
•      collection and return of your car;
•      cleaning of your car before it is returned to you; and
•      a lifetime guarantee on all paint and bodywork repairs.

We will pay for the above benefits.

If you have comprehensive insurance and your car is at one of our recommended
repairers, they will give you a loan car while yours is being repaired. We will pay for this.
However, you will not get a loan car if you have third party fire and theft or third party
only insurance, and your car is damaged beyond economical repair.

If you choose any other vehicle repairer, it will not affect your right to claim. However, we
may not be able to arrange any of the above benefits or automatically insure any
replacement car for you.
If you have uninsured losses

Even if a claim is insured under your policy, you could still be out of pocket for expenses
such as:
•       your policy excess;
•       the cost of alternative transport; and
•       loss of earnings.
If Section 10 „Legal assistance plan‟ is listed in your schedule, contact your insurance
consultant. They will arrange to send you a claim form. We will make all reasonable efforts
on your behalf to get back uninsured losses following an accident which is not your fault.

If you need legal advice

If you need legal advice, we offer a free legal advice service.
You will have to pay for the cost of the call. Our team of qualified legal advisers can give
you free, confidential advice on motoring matters. Here are some examples of the help they
can give you.
•      They can provide legal advice after an accident. For example, if you do not have our
Legal assistance plan then they can advise you on what to do if you want to make a claim
against another person. However they will not contact other people, make claims or carry
out legal proceedings on your behalf - you need our Legal assistance plan for that.
•      They can provide legal advice on consumer issues which relate to motoring. For
example, they can tell you about rights if you are unhappy with a car which you have
bought.
•      They can provide you with legal advice if you are facing prosecution for driving or
parking offences.
This service is confidential, and you can stay anonymous if you want.
To use it, call 01455 255116 and ask to speak to a legal adviser.
Please quote code 33885, together with the renewal date on your current certificate of
motor insurance.

If you need someone to talk to

If you need someone to talk to after an accident, we offer a free counselling service. You
will have to pay for the cost of the call. This is available for you and members of your
immediate family and is for motoring matters only. Our experienced, qualified counsellors
can help you when you need it most. Here are some examples of the help they can give
you.
•       They can help you come to terms with trauma after an accident.
•       They can help you come to terms with injuries, disability and bereavement.
•       They can offer you victim support (for example, if your car is stolen).
•       They can even offer counselling for stress which has been caused by motoring.
This service is confidential, and you can stay anonymous if you want.
To use it, call 01455 255116 and ask to speak to a counsellor.
Please quote code 33885, together with the renewal date on your current certificate of
insurance.
What you should do if you want to take your car abroad
Important guidelines when travelling abroad

Your policy provides free foreign use insurance for countries defined in the territorial
limits.

The number of days of free foreign insurance is shown as „Foreign Use‟ under the „Policy
limits‟ in your schedule. If the length of any visit (or the total length of all visits during the
period of insurance) is greater than the number of days shown as „Foreign use‟ in your
schedule, you must tell us before you take your car abroad. You will have to pay an
extra premium to extend your insurance.

We can provide a Green Card as proof of insurance, although this is no longer necessary for
a visit to any of the countries defined in the territorial limits. For those countries that
have recently been approved by the European Commission we would recommend that a
Green card is issued. You will need a Green Card to visit countries outside of the
territorial limits. You will also have to pay an extra premium to extend your insurance to
any additional countries.

If you have an accident abroad, phone the Euro helpline.

Take the following insurance documents when you travel abroad:
1. Your Certificate of Motor Insurance.
2. The European accident statement.

In addition, check the requirements for using a vehicle in the countries you are visiting.
These can be obtained from the Foreign and Commonwealth Office (www.fco.gov.uk).

You may also find it helpful to have this policy wording with you for the advice and
information given below.

If you have an accident abroad, follow the procedure below.

1. Immediately report the accident to the police if anybody involved in the incident is
   injured or if there is a disagreement with the other driver. Get details of the police team
   that attended the scene or who the accident was reported to.

2. Give your name and address, and our name and address to the other party and
   produce your Certificate of Motor Insurance.

3. Get the name and address of the other driver, details of their motor insurer (including
   policy number) and information about the registration and ownership of the other
   vehicles involved.

4. Call our Euro Claims Helpline as soon as possible, particularly if anybody is injured.

5. Never make any statement or sign any document (other than the European accident
   statement) without the advice of a lawyer or competent official. Do not sign the
   European accident statement, particularly if written in a foreign language, before you
   are certain that you understand and agree with every word.

6. If you have a camera, take photographs showing the layout of the scene and positions
   of the vehicles from various angles.

7. Use your European accident statement (the various linguistic editions of this form are
   identical throughout Europe) and be sure to get the following details:
    The make, registration number and colour of the other vehicle and whether it is right
       or left-hand drive. If the Third party vehicle is a lorry obtain the number of both the
       cab and trailer units. In some countries these have different registration numbers.
    The full names, addresses and occupations of independent witnesses.
    The date, time and exact place of the accident.
    The speeds of your own and the other vehicle.
    Signals given by you and the other driver.
    Weather and road conditions.
    Names and addresses of people injured and details of those injuries.
    Details of damage to your own and other vehicles.

If you do not have a European accident statement, collect the following information:

1. Date, time and place of the accident

2. Other vehicle‟s details

3. Registration number

4. Country of registration

5. Policy number of the insurance

6. Green card number

7. Name and address of the insurer

8. Surname, first name and address of the driver

9. Accident circumstances including details of damage to vehicles and injuries to any people
involved

10. Sketch the scene and the position of the vehicles (include road markings where possible)
How to use your claims helplines
What your RSA      We aim to provide a high-quality service to our policyholders. The
helplines can do   claims helplines are part of this quality service and are available 24
for you            hours a day, 365 days a year.
                   The phone call will cost you nothing, but you may have to pay for any
                   service you decide to use if the claim is not insured by your policy.
Swift help from    Whether or not your car can be driven, we will be on hand to help.
ourtheir           If the incident is insured under your policy, our assistance services will
assistance         aim to be with you within one hour of you phoning our UK claims
services           helpline. They will take you and your passengers home or to your
                   destination within the UK.
                   Your car will be taken to one of ourr recommended repairers.
                   You only need to make one call. Your details will be fed through to our
                   claims team, who will send you a claim form.
                   Just fill in the form and sign it. We‟ll do the rest.
RSA repairer       Our UK claims helpline will give you details of our nearest
network            recommended repairer
Audio and          If you have comprehensive or third party fire and theft insurance, our
Communication      UK claims helpline will put you in touch with our recommended stereo
equipment          replacement company.
Hotel              If you have comprehensive insurance, our UK claims helpline can help
accommodation      you arrange emergency overnight accommodation if you cannot
                   continue your journey. Simply pay for the accommodation yourself and
                   we‟ll give you a refund when you claim. (See your policy schedule for
                   the maximum amounts we will pay.)
Glass              If you have comprehensive insurance, our glass helpline will send you to
replacement        one of our recommended windscreen companies. Simply pay the excess
                   for a replacement windscreen – they will do the rest. If your windscreen
                   is laminated, it may be possible to repair it.
European           If you are involved in an incident abroad, our Euro helpline can help 24
assistance         hours a day, 365 days a year. They will arrange for your car to be
                   brought back to the UK where our normal claims service will apply.
RSA Portfolio Classic Car Cover
This cover is based on RSA Portfolio Motor Cover to give consistency as far as possible;
However, the following differences apply:

Take care where you park your car. It MUST be garaged overnight. When you are away
from home, try to use secure car parks. If this isn‟t possible, avoid parking in back streets or
quiet areas because these are ideal working conditions for a thief.

The following do not apply:

When circumstances change                        If you want to drive another car
                                                 If you need to use your car for towing
                                                 Reduction of insurance to “Laid up” status
Section 8                                        No claim discount
Section 9                                        No claim discount protection
Section 11                                       Replacement locks

Section 2, Fire and Theft, in addition we do not insure:

11. Loss or damage caused by theft, attempted theft or vandalism between the hours of
10pm and 6am whilst your car is being kept at, or within 1/2 mile of, your home or any
other garaging address we have agreed to and it has not been kept in a locked garage.
12. Any loss or damage if you have completed an annual mileage declaration and the
amount of miles shown is exceeded during the insurance period.

Section 3, Loss and damage, we do not include:

B. New car replacement
C. Emergency overnight accommodation

In addition we do not insure:

13. Damage caused by chewing, scratching, tearing or fouling by domestic pets, or caused
by vermin, insects, mildew or fungus.
14. Damage caused by frost, smog or any gradual process.
15. Loss or damage caused by theft, attempted theft or vandalism between the hours of
10pm and 6am whilst your car is being kept at, or within 1/2 mile of, your home or any
other garaging address we have agreed to and it has not been kept in a locked garage.
16. Any loss or damage if you have completed an annual mileage declaration and the
amount of miles shown is exceeded during the insurance period.

How we will settle a claim under sections 2,3 and 4

A. 1. For your car – the agreed value.
B. 1. Your car
If your car is lost or damaged:
• we may choose to repair the damage or pay the amount of loss or damage.
   We may decide to use suitable parts or accessories which are not supplied by the
    original manufacturer.
• If you want the damage to be repaired at a garage of your choice, you must contact us
first so that we can arrange for one of our motor engineers to assess whether that garage‟s
estimate is reasonable. Normally we will ask you to provide at least two estimates for the
work.
• If you want to repair the damage, you must contact us first so that we can agree the
costs with you. If we cannot agree the costs then we will pay you an amount equal to the
amount which we would have paid had your car been repaired at one of our own repair
shops or one of our approved repairer network.
•        If your car is lost and never found, or if it cannot be repaired for a reasonable cost,
we will pay the agreed value.

What you should do if there is an accident or theft

If your car is stolen    We will arrange for the driver and up to four passengers, including
or not fit to drive      their baggage, to be taken to the destination or home by whatever
                         method we consider is appropriate in the circumstances.
If your car is           Our recommended repairers have been carefully selected to give
damaged but              you a fast, reliable and professional service. By using them you will
roadworthy               also benefit from:
                         •       our authority to start repairs as long as your car is
                         economical to repair;
                         •       collection and return of your car;
                         •       cleaning of your car before it is returned to you; and
                         •       a lifetime guarantee on all paint and bodywork repairs.

                         We will pay for the above benefits.

                         Our approved repairer network may not be able to repair certain
                         types of classic car because of the specialist work required. You
                         may take your car to a specialist repairer if you wish, or you
                         might want to repair the damage yourself. In either case, contact
                         your insurance consultant and we will arrange an inspection by
                         one of our motor engineers so that we can agree repair costs with
                         you. We will normally require at least two estimates if you want to
                         use a repairer of your own choice.
                         If you choose any other vehicle repairer, it will not affect your right
                         to claim. However, we may not be able to arrange any of the above
                         benefits.




Royal & Sun Alliance Insurance plc (No. 93792). Registered in England and Wales at St.
Mark's Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised and regulated by
the Financial Services Authority.
For your protection, telephone calls will be recorded and may be monitored.

				
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