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					About Our Insurance Services
Barclays Insurance Services                                                                        Complaints
                                                                                                   If you wish to register a complaint please contact us either in
Company Limited is a wholly                                                                        writing at Barclays Motor Insurance, PO Box 7463, Perth PH2
                                                                                                   0YX or by telephone on 0845 300 3654*.
owned subsidiary company
                                                                                                   If you cannot settle your complaint with us, you may be
of Barclays Bank PLC.                                                                              entitled to refer it to the Financial Ombudsman Service,
                                                                                                   South Quay Plaza, 183 Marsh Wall, London E14 9SR.
The registered address of both
                                                                                                   Financial Services Compensation Scheme
Barclays Bank PLC and Barclays                                                                     Our obligations are covered by the Financial Services
                                                                                                   Compensation Scheme (FSCS). If we are unable to meet our
Insurance Services Company                                                                         obligations, you could be entitled to compensation from
Limited is 1Churchill Place,                                                                       this scheme, depending on the type of insurance and the
                                                                                                   circumstances at the time. Further information about
London E14 5HP.                                                                                    compensation scheme arrangements is available from the
                                                                                                   FSCS website www.fscs.org.uk, or write to Financial Services
Statutory Status                                                                                   Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken
Both companies are authorised and regulated by the Financial                                       Street, London E1 8BN.
Services Authority (FSA).
                                                                                                   Change of underwriter
FSA register                                                                                       From time to time for commercial reasons Barclays Insurance
You can check that we are regulated by the FSA by visiting                                         Services Company Limited may decide to change its chosen
their website http://www.fsa.gov.uk/register or by contacting                                      insurer. In such circumstances we will write to you not less
the FSA on 0845 606 1234.                                                                          than 21 days before your current insurance expires with
                                                                                                   details of the new proposed insurer and any other changes
Advice or information                                                                              to the insurance.
We will provide advice and make a recommendation for you
                                                                                                   Accordingly in order to ensure continuity of your insurance
after we have assessed your needs for motor insurance. We can
                                                                                                   you hereby authorise us to transfer your data to any new
only offer products from a limited number of insurers for motor
                                                                                                   proposed insurer and consent to receiving its offer insurance
insurance. Please ask us if you would like a list of these insurers.
                                                                                                   for consideration. Your cancellation rights are not affected.
If you contact Barclays Insurance Services Company Limited
on 0845 300 3654* any advice will be given to you by and on
                                                                                                   *To make sure we maintain a high quality service we may monitor or record telephone calls.
behalf of Barclays Insurance Services Company Limited.

Insurance obtained via the Barclays Bank PLC website is
provided on a non advised basis.




SCP/BB/2160(V27) – 52025 – 07/05
Barclays Insurance Services Company Limited is authorised and regulated by the Financial Services Authority. Registered in England. Registered No. 973765.
Registered Office: 1 Churchill Place, London E14 5HP.
                                                                                                1




Your Barclays Motor Policy

Now that you’ve chosen Barclays for              It’s our problem now
your motor insurance, you can be sure            If you’ve had an accident,
that we’ll be there for you whenever             depending on your cover, we can arrange
you need us:                                     for your vehicle to be recovered and you
                                                 and your passengers taken home or to your
24 hours a day, 365 days a year. We              destination safely. You don’t need to worry
pride ourselves on our claims service. If        about estimates as we have our own
                                                 approved repairer network and will instruct
it’s 3am, pouring with rain, your vehicle
                                                 them within an hour of you telling us that
has been stolen or has been in an                your vehicle needs repairing. We will also
accident and you’re miles away from              authorise repairs and settle payments direct
home, all you want is help as quickly            with the repairer, and all repairs are
as possible.                                     guaranteed for three years.
                                                 If you are making a claim,
How to make a claim
                                                 an Incident Manager will record details of
What to do if you have a claim. Call Barclays
                                                 the incident and will start sorting out your
Insurance Claims Unit a dedicated team
                                                 problem immediately. There are no forms to
provided by Norwich Union or its group
                                                 fill in. The Incident Manager will confirm:
companies and/or agents for claims by
Barclays customers.                              • whether your policy covers you for the
                                                   incident;
Phone 0845 300 3657
24 hours a day, 365 days a year                  • what you will have to pay; and
                                                 • all the steps involved in your claim being
We will help you if you:
                                                   settled.
• are involved in an accident (it is important
                                                 Customer Services
  that you report any accident to us
  immediately, even if you are not making        0845 300 3651
  a claim under your policy);                    For general enquiries or changes.
• want to make a claim;                          (Opening hours are Mon-Fri 8am-10pm,
• have a broken windscreen or window;            Sat 8am-6pm, Sun 10am-4pm.)
• have Motor Breakdown cover and need            What does your motor insurance include?
  assistance; or
                                                 Please check your policy schedule which
• have chosen legal services optional cover      gives you full details of the cover you have
  and need legal help.                           chosen. If you have any questions or would
                                                 like to make any changes or additions to
                                                 your cover, please call us on the number
                                                 shown on your insurance schedule.
2




Guide to your Barclays Motor Policy

                                                                         Page
How to make a claim                                                        1
Contract                                                                   3
Definitions                                                                5
Policy Cover Index                                                         7
Loss of or damage to your vehicle                                          8
Liability to third parties                                                12
Injury to you or to your partner                                          15
Medical expenses                                                          15
Personal belongings                                                       16
Emergency treatment                                                       16
No-claim discount                                                         16
Glass in windscreens, sunroofs or windows                                  17
Replacement locks                                                          17
Suspending cover                                                          18
EU compulsory insurance                                                   18
Rights to recover payments made under compulsory insurance regulations    19
Legal services and advice                                                 19
Exceptions to legal services and advice                                   20
Conditions to legal services and advice                                   21
General exceptions                                                        24
General conditions                                                        26
Complaints procedure                                                      29
                                                                                                  3




Your Barclays Motor Policy

Please read this policy booklet and the           policyholder, and us, Gresham Insurance
schedule enclosed carefully to make sure          Company Limited with the exception of
that you have the cover you need. You may         Section 13 where the Insurer is Norwich
not be covered by all the sections and your       Union Insurance Limited.
schedule will detail the cover and limits
applicable.                                       In return for your premium, we will provide
                                                  the cover shown in the schedule for
These are legal documents and should be           accident, injury, loss or damage that
kept in a safe place. You should return the       happens within the territorial limits during
schedule immediately if any details are not       the period of insurance.
correct.
The schedule sets out the cover you have          Use of Language
chosen. It is proof of your insurance and you     Unless otherwise agreed, the contractual
may need it if you want to make a claim.          terms and conditions and other information
                                                  relating to this contract will be in English.
If you decide that you do not want to
accept this policy, return it within 14 days of   Choice of law
receiving it and as long as you haven’t
                                                  The law of England and Wales will apply to
made any claims, we will work out the
                                                  this contract unless:
premium for the period we have been
insuring you and refund any balance.              - you and the Insurer agree otherwise; or
                                                  - at the date of the contract, you are a
The contract of insurance
                                                    resident of (or, in the case of a business,
Barclays motor insurance is underwritten by         the registered office or principal place of
Gresham Insurance Company Limited. The              business is situated in) Scotland, Northern
Legal Services and Advice section of this           Ireland, Channel Islands or the Isle of Man,
policy is underwritten by Norwich Union             in which case (in the absence of
Insurance Limited.                                  agreement to the contrary) the law of that
                                                    country will apply.
This policy is a contract of insurance
between you, the policyholder, and us,
Gresham Insurance Company Limited with
the exception of Section 13 where the
Insurer is Norwich Union Insurance Limited.
This policy, the information you have
provided and the schedule form the
contract of insurance between you, the
4




Your Cancellation rights                        Administration Charge
You have the statutory right (under             We reserve the right to apply an
Financial Services Authority rules) to cancel   administration charge of up to £10 (subject
your policy during a period of 14 days from     to insurance premium tax, where
the date of purchase of your policy, or the     applicable) for any adjustments you make
day on which you receive your policy            to your policy.
documentation, whichever is the later, or
from renewal of your policy.
If you wish to do so and the insurance
cover has not yet commenced, you will be
entitled to a full refund of the premium
paid. If cover has commenced, you will be
entitled to a refund of the premium paid
less a pro-rata amount representing the
premium for the number of days in which
cover was provided prior to cancellation.
To exercise your right to cancel, please
contact customer services on 0845 300
3651 or write to Customer Services,
Barclays Motor Insurance, PO Box 7463,
Perth, PH2 0YX. You should also return your
Certificate of Motor Insurance immediately
following cancellation to the above address.
If you do not exercise your right to cancel
your policy, it will remain in force and you
will be required to pay the premium.
For cancellation rights outside the cooling
off period, please refer to the General
conditions section of your policy booklet.
                                                                                                   5




Definitions

Wherever the following words or phrases        Schedule
appear, they will have the meanings            The document which gives details of the
described below.                               cover you have.
You, your                                      Certificate of Motor Insurance
• The policyholder named in your               The current document that proves you have
  schedule                                     the motor insurance you need by law. The
We, Us, Our, Gresham                           Certificate shows who can drive your vehicle,
Gresham Insurance Company Limited, unless      what you can use it for and whether you are
otherwise stated (all sections except 13).     allowed to drive other vehicles. It is proof that
                                               you can use your vehicle on a road or other
We, Us, Our, Norwich Union                     public place, as required by the Road Traffic
Insurance Limited                              Act.
Norwich Union Insurance Limited for legal      The certificate does not show the cover you
services and advice (section 13 only).         have.

Your partner                                   The period of insurance
The partner or husband or wife of the          The period of time covered by this policy, as
policyholder, living at the same address as    shown in the schedule, and any further
the policyholder and sharing financial         period that we agree to insure you for.
responsibilities. This does not include any
business partners or associates.               Market value

Your motor vehicle                             The cost of replacing your vehicle with one
                                               of a similar type and condition.
Any vehicle described in the schedule which
is kept at an address within the territorial   Excess
limits. Any other vehicle that you have a
                                               The amount you will have to pay towards
valid Gresham Insurance Company Limited
                                               any claim.
Certificate of Motor Insurance for that
shows the registration mark of that vehicle,   Territorial limits
as long as you keep it at an address within
the territorial limits.                        Great Britain, The Isle of Man, The Channel
                                               Islands, Northern Ireland.
6




Accessories
Parts of your motor vehicle which are not
directly related to how it works as a vehicle.
This includes in-car entertainment, such as
radios, and communication equipment
which form part of your vehicle, as well as
portable phones while they are connected
to a power source in your vehicle.

Endorsement
Changes in the terms of your policy. These
are shown in your schedule.
                                                                                    7




Policy Cover Index



Type of cover           Sections which apply




Comprehensive           Sections 1 to 12 apply.




Optional covers         These sections only apply if it says so in your schedule.




Legal services          Section 13 applies.




                        This section only applies if it says so in your policy
Motor Breakdown cover
                        schedule.
8




Section 1

Loss of or damage to your motor vehicle        • protecting the vehicle and removing it to
If your vehicle is lost, stolen or damaged,      the nearest approved repairers; and
we may:                                        • delivering the vehicle back to your address
                                                 in the British Isles after the repairs have
• pay for your vehicle to be repaired;           been carried out.
• replace your vehicle; or
• pay you a cash amount equal to the loss      If we know that you are still paying for your
  or damage.                                   vehicle under a hire purchase or leasing
                                               agreement, we will pay any claim to the
When we settle claims, we may take off an      owner described in that agreement. Our
amount for wear, tear and loss of value. The   liability under this policy will then end.
same cover also applies to your vehicle’s
accessories and spare parts while they are     Accident recovery
in or on your vehicle or in your private       If your vehicle is not safe to drive after an
garage. We will also pay for loss of, or       accident, phone us and we will arrange for
damage to, your vehicle’s audio equipment      someone to come out and help you.
or satellite navigation system (up to £500,
unless it was fitted by the manufacturer).     If your vehicle cannot be made roadworthy
The equipment will also be covered while it    within a reasonable time, we will take it to
is away from your vehicle or private garage    an approved repairer. We can take your
if it:                                         vehicle to a repairer of your choice if this is
                                               nearer, but this may lead to delays in
• has been designed to be totally or           arranging for repairs to your vehicle.
  partially removed;
• cannot work without being attached to        Our employees and contractors will use
  your vehicle; and                            reasonable care and skill when providing the
• has been temporarily removed for             accident recovery service. However, they can
  security reasons.                            cancel services or refuse to provide them if,
                                               in their opinion, your demands are excessive,
The most we will pay will be the market        unreasonable or not practical.
value of your motor vehicle at the time of
the loss.
If you cannot drive your vehicle as a result
of damage insured under this policy, we will
pay the reasonable costs of:
                                                                                                  9




New vehicle replacement                          The following table tells you what type of
We will replace your vehicle with a new          courtesy car you will receive according to
vehicle of the same make and specification       your policy cover and situation. This should
(if one is available in the UK) if, within 12    be read in conjunction with the important
months of you or your partner buying the         information.
vehicle from new:                                Important information about your
• the cost of repairing any damage covered       courtesy car
  by the policy is more than 60% of the          • A standard courtesy car is a class A
  vehicle’s UK list price (including car tax       vehicle, which are small hatchback cars
  and VAT) when you bought the vehicle;            similar to a Nissan Micra
  or                                             • An enhanced courtesy car is a class D
• your vehicle is stolen and not recovered.        vehicle, which are 5 door cars with an
                                                   engine size of 1.6 litre, with room to seat
We will only replace your vehicle if:              5 people, similar to a Vauxhall Astra
                                                 • If your vehicle is immobile or
• you or your partner own the vehicle or
                                                   unroadworthy we aim to provide a
  are buying it under a hire-purchase
                                                   courtesy or hire car within one working
  agreement, not a leasing, contract-hire
                                                   day (however, if an incident occurs during
  agreement, or other type of agreement;
                                                   a weekend it may not be possible to
• the hire-purchase company agrees; and
                                                   provide a courtesy car until the following
• you or your partner are the first registered
                                                   Monday).
  keeper of the vehicle.
                                                 • In order to avoid undue delays, please
                                                   advise us during the early stages of your
Courtesy car and hire car
                                                   claim if an automatic transmission courtesy
Courtesy cars are supplied to reduce your          vehicle is required. Automatic courtesy cars
inconvenience and where possible ensure            can be supplied, providing the vehicle being
you remain mobile throughout the duration          repaired is an automatic
of your claim. It is not intended to be an       • A “grey” import is a vehicle that does not
exact replacement for your own vehicle. All        comply with European Union vehicle type
courtesy vehicles will have comprehesnsive         specification and which is imported from
cover under your existing policy for the           outside the UK (usually Japan).
period of the loan, regardless of what level     • If you have chosen not to have either of
of cover you have requested for your motor         our courtesy car options you will not
vehicle. (Please note that a courtesy car          receive a courtesy car in any case. You
cannot be provided until your claim has            should refer to your policy schedule to
been accepted and cover has been                   check the level of cover you have
confirmed).                                        requested.
10




 What cover         What is my
                                           What am I entitled to?
 have I got?        situation?


 Standard      • My vehicle is being • The Approved Repairer will provide you with a
 courtesy        repaired by an         Class A courtesy car for the duration of repairs
 car cover on    Approved Repairer
 comprehensive                        • No courtesy car will be provided if an
 policies      • My vehicle is being    Approved Repairer is not used
                 repaired by a
                 Repairer of my       • Your claims handler will arrange for a Class A
                 choice                 hire car, for up to 14 days, or up until your
                                        settlement cheque is received
               • My vehicle cannot      (whichever is earliest)
                 be repaired or has
                 been stolen          • If your vehicle is a grey import (whether you
                                        are aware of this or not) we will provide you
               • My vehicle is a grey   with a Class A courtesy car for 7 days only
                 import and needs
                 to be repaired




 Enhanced      • My vehicle is being • The Approved Repairer will provide you with a
 courtesy        repaired by an         Class D courtesy car for the duration of repairs
 car cover on    Approved Repairer
 comprehensive                        • No courtesy car will be provided if an
 policies      • My vehicle is being    Approved Repairer is not used
                 repaired by a
                 Repairer of my       • Your claims handler will arrange for a Class D
                 choice                 hire car, for up to 14 days, or up until your
                                        settlement cheque is received
               • My vehicle cannot      (whichever is earliest)
                 be repaired or has
                 been stolen          • If your vehicle is a grey import (whether you
                                        are aware of this or not) we will provide you
               • My vehicle is a grey   with a Class D courtesy car for 7 days only
                 import and needs
                 to be repaired
                                                                                             11




Excesses                                         Exceptions to section 1 of your policy
If your vehicle is lost, stolen or damaged,      Your policy does not cover the following.
you are responsible for paying the excess as     a) Loss or damage arising from theft while
shown on the schedule.                               the ignition keys of your vehicle have
In addition to the standard excess shown on          been left in or on the vehicle.
your policy schedule, the excesses shown         b) Loss of use, reduction in value, wear and
below will apply, as well as any other for           tear, or mechanical, electrical or
damage claims, while the person driving or           computer breakdowns, failures or
in charge of the vehicle is:                         breakages.
                                                 c) Damage to tyres by braking or by
                        Excess amount                punctures, cuts or bursts.
                                                 d) Loss or damage directly caused by
 a) aged 20 or under £300                            pressure waves caused by aircraft or
                                                     other flying devices travelling at, or
                                                     above, the speed of sound.
 b) aged 21 to 24       £200                     e) Loss of value following a repair.
                                                 f ) Confiscation or requisition or destruction
If you are claiming for loss of, or damage to,       by or under order of any government or
the glass in your vehicle’s windscreen,              public or local authority.
sunroof or windows, or for any scratching of
the bodywork as a result of broken glass,
you will only have to pay the first £60 of the
cost of replacing the glass. This excess will
not apply if the glass is repaired rather than
replaced and overrides any other excess that
would otherwise apply to glass claims.
12




Section 2

Liability to third parties                     Liability of other people driving or using a
We will insure you for all amounts which       vehicle for which cover is provided under
you may have to pay as a result of you         this section
being legally liable for                       On the same basis that we insure you,
                                               under this section, we will also insure:
a. a persons death or injury
b. damage to property up to a maximum          - any person driving your vehicle with
   amount of £20,000,000 (excluding              your permission, as long as your
   claimant’s costs and expenses and any         Certificate of Motor Insurance allows
   other costs and expenses) and up to           that person to drive;
   £5,000,000 for claimant’s costs and         - any person using (but not driving) your
   expenses and any other costs and              vehicle with your permission for social,
   expenses incurred with our written            domestic and pleasure purposes;
   consent in relation to damage to            - any passenger travelling in or getting into
   property.                                     or out of your vehicle; and
                                               - the employer or business partner of the
as a result of an accident caused by the         person covered under this section while
following.                                       the vehicle is being used for business
• Your vehicle                                   purposes, as long as your Certificate of
• Any other vehicle driven by you, with the      Motor Insurance allows business use.
  owners express consent, in the British         This does not apply if:
  Isles as long as:                              - the vehicle belongs to or is hired by
  - that vehicle does not belong to you, is         the employer or business partner; or
    not hired to you under a hire-purchase       - you are a corporate organisation or
    agreement, and your Certificate of              firm.
    Motor Insurance shows that you are         We will insure the person for all amounts
    insured to drive that vehicle.             they may have to pay as a result of them
• Any trailer being towed by a motor vehicle   being liable for:
  for which cover is provided under this       • a person’s death or injury; or
  section.                                     • damage to a person’s property as a
                                                 result of an accident.
                                                                                                13




Legal personal representatives                    Exceptions to section 2 of your policy
                                                  The cover under this section will not apply
If anyone who is insured under this section       in the following circumstances.
dies, his or her legal personal representatives
will have the cover the insured person would      a) If any person insured under this section
have had under this section.                         does not keep to the terms, exceptions
                                                     and conditions of this policy. The cover
Legal costs                                          will also not apply if the insured person
We will pay the following legal costs if they        can claim under another policy.
relate to an incident which is covered under      b) If the death of, or injury to, any employee
this section.                                        of the insured person arises out of, or in
                                                     the course of, that employee’s duties,
• The fees of solicitors we ask to represent         unless we must provide cover under the
  anyone we insure under this section at a           Road Traffic Act.
  coroner’s inquest or fatal accident             c) For anyone we insure who claims under
  inquiry, or to defend any proceedings in a         this section, if the claim relates to loss or
  court of summary jurisdiction                      damage to property that belongs to
• Fees for legal representatives we ask to           them or is in their care.
  defend anyone we insure under this              d) If the damage being claimed for has
  section when proceedings are taken                 happened to any vehicle covered by this
  for manslaughter or reckless or                    section.
  dangerous driving.                              e) While any vehicle is being used on:
                                                     - part of an aerodrome or airport used
                                                         for aircraft taking off and landing;
                                                     - aircraft parking areas including service
                                                         roads;
                                                     - ground equipment parking areas; or
                                                     - any parts of passenger terminals
                                                         within the Customs examination area;
                                                        unless we are liable under the Road
                                                        Traffic Act.
14




f ) Except to the extent that we are obliged       vehicle or vehicles driven or used by you
    by the Road Traffic Act to provide             or any other person and for which cover
    insurance, to                                  is provided under this section will be
     i) any direct or indirect consequence of      i) £5,000,000 in respect of all claims
        an act or acts of terrorism, whether or        resulting directly or indirectly from
        not such consequence has been                  one originating cause; or
        contributed to by any other cause.         ii) such greater sum as may in the
        Terrorism includes but is not limited to       circumstances be required to meet
                                                       the minimum insurance requirements
        a) the use or threat of force and/or           of the Road Traffic Act.
           violence
        and/or
        b) harm or damage to life or to
           property (or the threat of such
           harm or damage) including but
           not limited to harm or damage by
           nuclear, chemical, biological
           and/or radiological means
        when any such act is committed by
        any person(s) or group(s) of persons
        in whole or in part for political,
        religious, ideological or similar
        purposes, or is claimed to be
        committed in whole or part for
        such purposes.
     ii) any action taken in controlling,
         preventing, suppressing or in any
         other way relating to i) above
     In respect of exception f ) where we are
     obliged by the Road Traffic Act to provide
     insurance, the maximum amount we will
     pay for damage to property as a result of
     any accident or accidents caused by a
                                                                                              15




Section 3

Injury to you or to your partner                  Exceptions to section 3 of your policy
                                                  This personal accident insurance does not
Definitions
                                                  cover the following:
Accidental injury
This does not include any sickness, disease       a) Corporate organisations or firms.
or medical disorder.                              b) Death or injury arising from suicide or
                                                     attempted suicide.
Loss of sight                                     c) Anyone who is 75 or older at the time of
                                                     the accident.
This means permanent and total loss of
sight.

Loss of limb
                                                  Section 4
This means total loss, or permanent and
                                                  Medical expenses
total loss of use, of an entire hand or foot.
                                                  If you, or any other person in your vehicle,
If you or your partner are accidentally           are injured as a direct result of your vehicle
injured in your vehicle, or while getting into,   being involved in an accident,
out of or travelling in any other private         we will pay the medical expenses arising in
vehicle that does not belong to you and is        connection with that accident. The most we
not hired to you under a hire-purchase            will pay for each injured person is £100.
agreement, we will pay £2,500 if, within
three months of the accident, the injury is
the only cause of your or your partner’s:
• death;
• permanent loss of sight in one or both
  eyes; or
• loss of any limb.
The most we will pay any one person after
any accident is £2,500.
The most we will pay any one person during
any one period of insurance is £5,000.
If you or your partner have any other
policies with us for any other vehicle or
vehicles, you can only get compensation
under one policy.
16




Section 5                                       Section 6

Personal belongings and child seat cover        Emergency treatment
We will pay you (or if you prefer, the owner)
                                                We will refund payments any person using
for the value of loss or damage caused to
                                                any vehicle covered by this policy has made
personal belongings by fire, theft or an
                                                under the Road Traffic Act for emergency
accident while the belongings are in or on
                                                treatment.
your vehicle.
                                                If we make a payment under this section,
We may take off an amount for wear and
                                                this will not affect your no-claim discount.
tear when we settle claims.
The most we will pay for any one incident is
£150.                                           Section 7
Child seat cover
If you have a child seat fitted in your car     No-claim discount
and your car is involved in an accident or      If you make a claim under your policy, we
damaged following fire or theft we will         will reduce your no-claim discount in line
contribute up to £100 per child seat            with our scale.
towards the cost of a replacement even if       If you do not make a claim under your
there is no apparent damage, subject to you     policy, we will increase your no-claim
making a claim under Section 1 of your          discount when you renew your policy in
policy                                          line with the scale we apply at that time.
Exceptions to section 5 of your policy          We do not grant no-claim discounts for
We will not pay for loss of or damage to the    policies running for less than 12 months. If
following:                                      we allow you to transfer this policy to
                                                another person, any no-claim discount you
• Money, stamps, tickets, documents or          have already earned will not apply to the
  securities (such as share and premium         person who the policy is being transferred to.
  bond certificates)
• Goods or samples carried in connection
  with any trade or business.
                                                                                                 17




Section 8                                        Section 9

Glass in windscreens, sunroofs or                Replacement locks
windows                                          If the vehicle keys or lock transmitter of
Any payment we make for repairing or             your vehicle are lost or stolen, we will pay
replacing glass in your vehicle’s windscreen,    the cost of replacing:
sunroof or windows (or for any scratches on
the bodywork caused directly by the broken       • the door locks and boot lock;
glass) will not affect your no-claim discount.   • the ignition and steering lock; and
                                                 • the lock transmitter and central-locking
                                                   system;
                                                 as long as we are satisfied that the identity
                                                 or garaging address of your vehicle is
                                                 known to any person who may have your
                                                 keys or transmitter.
                                                 When repairs are carried out under this
                                                 section by an approved repairer, if you have
                                                 courtesy car cover, we will provide a
                                                 courtesy car while your vehicle is being
                                                 repaired. You may have chosen not to have
                                                 courtesy car cover, in which case this will
                                                 show on your schedule. Your no-claim
                                                 discount will not be disallowed just because
                                                 you have made a claim under this section.
                                                 Exceptions to section 9 of your policy
                                                 We will not pay the cost of replacing any
                                                 alarms or other security devices used in
                                                 connection with your vehicle.
18




Section 10

Suspending cover                                   Directive on insurance of civil liabilities
If your vehicle will be out of use for a           arising from the use of motor vehicles
continuous period of 28 days or more, and          (No. 72/166/CEE).
this is not as a result of any loss or damage   The level of cover we provide will be:
covered by this policy, we may suspend
your cover and refund part of your              • the minimum needed to keep to the laws
premium for the laid-up period. We will pay       on compulsory insurance in the country
this refund when you ask for the cover to         where the event happened; or
start again. If you want us to suspend your     • for claims arising in a country which is a
cover, please call us on the number shown         member of the European Union, the
on your insurance schedule and return your        minimum cover needed either in that
Certificate of Motor Insurance immediately.       country or in Great Britain, whichever is
                                                  higher.
During the period when cover is suspended,
we will continue to provide cover for loss or   If you take your vehicle abroad
damage caused by fire or theft while your
                                                All countries in the European Union have
vehicle is in a locked private garage.
                                                agreed that your Certificate of Motor
Exceptions to section 10 of your policy         Insurance should provide enough evidence
We will not pay for the following.              that you are keeping to the laws on the
                                                compulsory insurance of motor vehicles in
• Loss of use, reduction in value, wear and     any of the countries you visit.
  tear, or mechanical, electrical or computer
  breakdowns, failures or breakages             Extending your cover
• Loss of value following a repair
                                                If you pay an extra premium, your policy can
• Loss or damage arising from theft while
                                                be extended to provide the same level of cover
  the ignition keys of your vehicle have
                                                in the European Union and some other
  been left in or on the vehicle.
                                                European countries as you have in the UK. If
                                                you want to extend your policy, you must
Section 11                                      contact us at least two weeks beforehand and
                                                we will provide the necessary documents.
European Union compulsory insurance             We do not provide a courtesy car outside
This policy will provide cover for your         the UK. However you may buy our Motor
vehicle in any country which:                   Breakdown Cover so that you are covered if
                                                there is an accident, breakdown or theft
a) is a member of the European Union; and
                                                abroad. If you would like more details of
b) has, according to the Commission of the
                                                this cover, please call us on the number
   European Economic Area, made
                                                shown on your insurance schedule.
   arrangements to meet Article 7(2) of EC
                                                                                               19




Section 12

Rights to recover payments made under          Insured person
compulsory insurance regulations               a) you;
If, under the law of any country this policy   b) any person entitled to drive, as described
covers you in, we must settle a claim which       under ‘Permitted Drivers’ in the
we would not otherwise pay, we may recover        Certificate of Motor Insurance; or
any claim payment from you or from the         c) any passenger carried in your vehicle.
person who the claim was made against.
                                               Prospects of success

Section 13                                     In respect of all claims it is always more
                                               likely than not that an insured person will
This section is underwritten by Norwich        a) recover damages or obtain any other
Union Insurance Company Limited.                  legal remedy which we have agreed to
                                               b) make a successful defence
Legal services and advice                      c) make a successful appeal or defence of
The cover and services explained in this          an appeal.
section only apply if they are shown in your
policy schedule.                               Prospects of success will be assessed by us
                                               or an appointed representative on our behalf.
Definitions
                                               Cover
The general definitions at the beginning of
this policy booklet apply where appropriate.   We will insure you for any costs and
                                               expenses incurred in respect of the
The following definitions only apply to this   following incidents.
section of the policy.
                                               a) Recovery of an insured person’s
Appointed representative                          uninsured losses as a result of an
The lawyer or other suitably qualified            accident involving your vehicle which
person appointed by us to act on behalf of        causes
an insured person.                                • damage to your vehicle or to any
                                                     personal belongings in or on your
Costs and expenses                                   vehicle
                                                  • death or bodily injury to an insured
a) All reasonable and necessary legal costs
                                                     person whilst travelling in, or getting
   charged by the appointed representative
                                                     into or out of your vehicle.
   and agreed by us.
b) Legal costs which an insured person has
   been ordered to pay by a court or other
   body which we have agreed to
   or authorised.
20




b) Defence of an insured person’s legal            Exceptions to section 13 of your policy
   rights if they have committed any               The cover under this section will not apply
   offence under road traffic laws whilst          in the following circumstances.
   they are using your vehicle, and which is
   not covered under section 2 - liability to      Also refer to general exceptions shown on
   third parties.                                  Page 28 of this policy booklet.
c) Representation of an insured person on a        a) If an insured person does not keep to the
   guilty plea in respect of any offence               terms, exceptions and conditions of this
   committed under road traffic laws, if a             policy. The cover will also not apply if an
   conviction would result in an insured               insured person can claim under another
   person being disqualified or suspended              policy.
   from driving                                    b) If any costs and expenses are incurred
provided that                                          prior to our written acceptance of a
                                                       claim.
i) the incident occurs within the territorial      c) Any legal action an insured person takes
     limits and during the period of insurance         which we have not agreed to or where the
ii) any legal proceedings will be dealt with           insured person does anything to hinder us
     by a court or other body that we have             or the appointed representative.
     agreed to, within the territorial limits      d) Any fines, penalties compensation or
iii) prospects of success exist for the                damages which the insured person is
     duration of the claim                             ordered to pay by a court or
iv) in respect of any appeal or defence of an          other authority.
     appeal, it has been reported to us at least   e) Any claim deliberately or intentionally
     10 working days prior to the deadline for         caused by an insured person.
     any appeal                                    f ) Prosecutions relating to an insured
v) the maximum amount we will pay for                  person’s alleged dishonesty or violent
     costs and expenses for any one insured            conduct.
     person in respect of any or all claims        g) Prosecutions resulting from drink or drug
     arising out of the same cause is £50,000          related offences or parking offences.
     in respect of incident a) and £10,000 in      h) A dispute with us in respect of the policy
     respect of incidents b) and c).                   terms and conditions other than as catered
                                                       for in conditions 6 and 7 of this section.
                                                   i) An application for judicial review.
                                                   j) Any claim relating to any non-
                                                       contracting party’s rights to enforce all or
                                                       any part of this section. The Contracts
                                                       (Rights of Third Parties) Act 1999 does
                                                       not apply to this section.
                                                                                                21




Conditions to section 13 of your policy              3. Claims – our rights and your obligations
Please refer to the general conditions               a) We will have direct access to the
section on page 30 of this policy booklet for            appointed representative who can
any conditions.                                          provide us with any information or
                                                         opinion on your claim.
1. Claims – your duty                                b) An insured person must co-operate fully
                                                         with us and the appointed representative
You must report an incident to us as soon as             and must keep us up-to-date with the
possible and in any event no later than 180              progress of the claim.
days after the date the insured person knew          c) At our request an insured person must
or should have known about the incident.                 give the appointed representative any
                                                         instructions that we require.
2. Claims – legal representation
                                                     d) An insured person must notify us
a) On receipt of a claim, if appropriate, we             immediately if anyone offers to settle a
    will appoint an appointed representative.            claim or makes a payment into court.
b) If it is necessary to start court proceedings     e) If an insured person does not accept the
    or there is a conflict of interest, an insured       recommendation of the appointed
    person is free to nominate an alternative            representative to accept a reasonable
    appointed representative by sending to us            offer or payment into court to settle a
    the name and address of the suitably                 claim, we may refuse to pay further costs
    qualified person.                                    and expenses.
c) If we do not agree to the insured                 f ) No agreement to settle on the basis of
    person’s choice of appointed                         both parties paying their own costs is to
    representative, an insured person may                be made without our prior approval.
    choose another suitably qualified person.
d) If there is still a disagreement with regard      4. Discontinuance of a claim
    to the appointed representative, we will
                                                     If an insured person
    ask the president of a relevant national
    law society to choose a suitably qualified       a) settles a claim or withdraws a claim
    person to represent an insured person.              without our prior agreement
    We and the insured person must accept            b) not give suitable instructions to the
    such choice.                                        appointed representative
e) In all other circumstances we will be free        c) dismisses an appointed representative
    to choose an appointed representative.              without our prior consent
f ) An appointed representative will be
    appointed by us and represent an                 the cover we provide will end immediately
    insured person according to our                  and we will be entitled to re-claim any costs
    standard terms of appointment.                   and expenses we have incurred.
22




5. Recoveries                                       What to do if you are dissatisfied
An insured person must take every available         Seek resolution by your usual point of
step to recover costs and expenses that we          contact. If you are disappointed with any
have to pay and must pay us any costs and           aspect of the handling of your insurance we
expenses that are recovered.                        would encourage you, in the first instance,
                                                    to contact the manager concerned. You can
6. Disputes                                         write or telephone, whichever suits you, and
                                                    ask your contact to review the problem.
The Promise of Service
Our goal is to give excellent service to all        If you remain unhappy with the decision
our customers but we recognise that things          you receive from us, you may write to the
do go wrong occasionally. We take all               Chief Executive. If you are dissatisfied with
complaints we receive seriously and aim to          our final decision (from the Chief Executive
resolve all our customers’ problems                 Officer), you can refer the matter to the
promptly. To ensure that we provide the             Financial Ombudsman Service (FOS). Full
kind of service you expect we welcome               contact details of both our Chief Executive
                                                    and the FOS will be provided at the same
your feedback. We will record and analyse
                                                    time as we acknowledge your complaint.
your comments to make sure we
continually improve the service we offer.           Note that the FOS will only consider your
                                                    complaint if you have given us the
What will happen if you complain?                   opportunity to resolve it and you are a
• We will acknowledge your complaint                private policyholder. If, however, we do not
  within 2 working days of receipt                  resolve your complaint within 40 working
                                                    days, the FOS will accept a direct referral.
• We aim to resolve complaints. Following
  assessment and investigation, within 5            Whilst we are bound by the decision of the
  working days of receipt.                          FOS, you are not. Following the complaints
                                                    procedure does not affect your right to take
Most of our customers’ concerns can be              legal action.
resolved quickly but occasionally more
detailed enquiries are needed. If this is likely,   If after making a complaint to us you are
                                                    still not happy and you feel the matter has
we will contact you with an update and give
                                                    not been dealt with to your satisfaction,
you an expected date of response.
                                                    please contact FOS at:
                                                    Financial Ombudsman Service
                                                    South Quay Plaza
                                                    183 Marsh Wall
                                                    London
                                                    E14 9SR
                                                23




7. Arbitration
You have the right to refer any difference
that arises between us and an insured
person in respect of the acceptance, refusal,
control or handling of any claim under this
section to arbitration, which will be decided
by counsel chosen jointly by us and an
insured person.
If there is a disagreement with regard to the
choice of counsel, we will ask the president
of a relevant national law society to choose
a suitably qualified person.
The decision shall be final and binding on
both parties.
24




General exceptions

Your policy does not cover the following.        - anyone else, with your permission, who
1. Any accident, injury, loss or damage that       you know does not have a licence to drive
   happens in the following circumstances.         your vehicle, unless they have had a
                                                   licence to drive your vehicle and are not
While any vehicle insured under this policy is     disqualified from having or getting a
being used for a purpose which is not shown        licence.
under the ‘Description of Use’ section of your
Certificate of Motor Insurance.                  2. Any liability you have accepted under an
                                                    agreement unless you would have had
While your vehicle is being driven by any           that liability if the agreement did not
person who is not described in your                 exist.
Certificate of Motor Insurance as being          3. Loss, damage or liability directly or
entitled to drive. However, we do provide           indirectly caused by or arising from:
cover for loss, damage or injury:                   - ionising radiation or radioactive
                                                       contamination from any nuclear fuel
- while your vehicle is with a member of
                                                       or from any nuclear waste arising
  the motor trade for servicing or repair;
                                                       from burning nuclear fuel; or
- if the injury, loss or damage was caused
                                                    - the radioactive, toxic, explosive or
  as a result of your vehicle being stolen or
                                                       other dangerous properties of any
  taken without your permission (unless
                                                       explosive nuclear equipment or
  the vehicle has been taken without your
                                                       nuclear part of that equipment.
  permission by a member of your family
  or household); or                              4. i) We will not pay for any accident, loss,
- if the person driving does not have a                damage or injury which is the direct
  valid driving licence and you did not                or indirect result of any of the
  know this.                                           following, whether or not contributed
                                                       to by any other cause
While any vehicle insured under this policy
is being driven by:                                 • war;
                                                    • invasion;
- you if you do not have a licence to drive
                                                    • activities of a foreign enemy;
  your vehicle, unless you have had a
                                                    • hostilities or warlike operations
  licence to drive your vehicle and are not
                                                      (whether war has been declared or
  disqualified from having or getting a
                                                      not);
  licence;
                                                    • civil war;
                                                  25




  • revolution, rebellion or insurrection
    (that is, people rising up and changing
    the government by force or
    attempting to do so);
  • civil commotion which is of such
    severity or magnitude that it can be
    likened to a popular uprising;
  • military power (even if properly
    authorised by the duly elected
    government); or
  • usurped power (that is, power taken
    by force by any person or group
    (including the armed forces) not
    being the duly elected government).
  ii) Accident, loss, damage or injury
      which is the direct or indirect result of
      any action taken in controlling,
      preventing, suppressing or in any
      other way relating to any of the
      causes listed in (i) above.
However, we will provide any cover required
by the Road Traffic Act.
5. Any accident, injury, loss or damage
   (except under section 2) arising during
   or as a result of:
   - earthquakes; or
   - riot or civil commotion that happens
      somewhere other than in Great
      Britain, the Isle of Man or the
      Channel Islands;
unless you can prove that the accident,
injury, loss or damage was not caused by
that event.
26




General conditions

1. Interpretation                                  f ) Phone us immediately if anyone insured
The schedule forms part of this policy and the         under this policy is going to be
term ‘this policy’ includes this policy booklet,       prosecuted as a result of the incident or
the schedule and any endorsements. Any                 if there is going to be an inquest or fatal
word or expression defined in this policy has          accident inquiry.
that meaning wherever it appears.                  g) You must not leave any property with us
                                                       for us to deal with.
2. Your duty to prevent loss or damage
                                                   4. Claims - our rights
a) You must take all reasonable steps to
   prevent loss or damage to your vehicle.         We can do the following.
b) You must maintain your vehicle in good          a) Take over and carry out (in your name or
   condition. We may inspect your vehicle             the name of the person claiming under
   at any time.                                       this policy) the defence or settlement of
                                                      any claim.
3. Claims - your duty                              b) Try to recover, in your name and for our
To get the full benefit of this policy, you (or       own benefit, damages and costs covered
your legal personal representative after your         under this policy.
death) must follow the steps below when            c) We will have full control over any
making a claim.                                       proceedings and in settling any claim.
a) Tell the police immediately if any              5. Fraud
   property is lost, stolen or damaged.
b) Phone us on the number shown on your            If any claim is fraudulent in any way or if
   insurance schedule and give all the             you or anyone acting on your behalf has
   information and help we may reasonably          used any fraudulent means, all benefit
   ask for. We will not accept responsibility      under this policy will be lost. This will also
   for the cost of goods or services which         apply if you exaggerate a claim or if you
   we have not authorised.                         send forged or false documents to us.
c) Take all reasonable steps to recover lost
   or stolen property.
d) Phone us immediately if you receive any
   letter or other document about the
   incident. If you do not do so it could
   harm your claim.
e) Never discuss liability with anyone unless
   we agree first.
                                                                                                  27




6. Other insurance                              9. Monthly premiums
If any incident leading to a claim under this   If you have chosen to pay monthly
policy is covered under any other insurance     premiums, you must pay the first two
policy, we will only pay our share of the       monthly premiums by the date the
claim. This condition does not apply to         insurance starts or the policy will not be
section 3.                                      valid. You must then pay one monthly
                                                premium on the same day of each month,
This condition does not mean that we have       starting in month 2 and ending in month
to accept any liability under section 2 which   11. When the policy is renewed, you must
we would otherwise exclude under                pay one premium a month.
exception a of that section.
                                                If you do not pay a monthly premium on
7. Arbitration                                  the date it is due, this will give us the right
                                                to cancel this policy from the date that
Where we have accepted a claim but you
                                                premium was due to be paid.
and we disagree over the amount to be
paid, the dispute must be referred to an        If you pay monthly premiums, we will
arbitrator who we and you will agree. When      provide one month’s cover for each monthly
this happens, the arbitrator must make a        premium you pay.
decision before you can take any legal
action against us.
This condition does not apply to section 3.

8. Your duty to keep to the policy
conditions
We will only provide the cover described in
this policy if you keep to all the terms,
conditions and endorsements of the policy.
28




10. Cancellation                                11. Motor vehicle sharing and insurance
Following the expiry of any statutory           If you receive any payment for giving people
cooling off period of 14 days, you continue     lifts in your vehicle, this will not affect the
to have the right to cancel your policy at      cover provided by this policy if:
any time during its term. If you do so, you     the vehicle is not made or adapted to carry
will be entitled to a refund of the premium     more than eight passengers (not including
paid, subject to a deduction for the time for   the driver);
which you have been covered. This will be
calculated on a pro-rata basis for the period   you are not carrying the passengers in the
for which you received cover and from the       course of a business of carrying passengers;
7th December 2006 (or 90 days after a           and you are not making a profit from the
quote received before this date), there will    payments you receive.
also be an additional charge of £26.25
                                                Important: If you use your vehicle under a
(inclusive of Insurance Premium Tax, where
                                                car-sharing arrangement and you are not
applicable) to cover the administrative cost
                                                sure whether the arrangement is covered by
of providing the policy.
                                                this policy, contact us immediately for
To cancel your policy, please contact           confirmation.
customer services on 0845 300 3651 or
write to Customer Services, Barclays Motor      12. Telephone call recording
Insurance, PO Box 7463, Perth, PH2 0YX.         For our joint protection and training
You should also return your Certificate of      purposes, telephone calls may be monitored
Motor Insurance immediately following           and/or recorded.
cancellation to the above address.
                                                All costs for resolving the difference will be
We (or any agent we appoint and who acts        met by the party whom the decision is
with our specific authority) may cancel this    made against.
policy by sending 14 days notice to your
last known address. You will be entitled to a
refund of the premium paid, subject to a
deduction for the time for which you have
been covered.
If you do not pay the premium (or any part
of the premium under the payment option
you have chosen) by the due date, we may
cancel this policy with effect from the end
of the last period for which a payment has
been made.
                                                                                                 29




Complaints procedure

Our goal is to give excellent service to all of     If you have a complaint about a claim
our customers but we recognise that things          you have made please contact us on
do go wrong occasionally. We take all               0845 300 3657.
complaints we receive seriously and aim to
                                                    If you remain unhappy with the decision
resolve all our customers’ problems
                                                    you receive from us, you may write to the
promptly. To ensure that we provide the
                                                    Chief Executive at Norwich Union,
kind of service you expect we welcome
                                                    8 Surrey Street, Norwich, NR1 3NG.
your feedback. We will record and analyse
your comments to make sure we                       If you are dissatisfied with our final decision
continually improve the service we offer.           (from the Chief Executive Officer), you can
                                                    refer the matter to the Financial
What will happen if you complain?                   Ombudsman Service (FOS).
• We will acknowledge your complaint                Full contact details of both our Chief
  within 2 working days.                            Executive and the FOS will be provided
• We aim to resolve complaints, following           when we write in response to your
  assessment and investigation, as quickly          complaint.
  as possible                                       Note that the FOS will only consider your
Most of our customers’ concerns can be              complaint if you have given us the
resolved quickly but occasionally more              opportunity to resolve it and you are a
detailed enquiries are needed. If this is likely,   private policyholder, a business with a
we will contact you with an update and give         group annual income of less than £1
you an expected date of response.                   million, a charity with an annual turnover of
                                                    less than £1 million or a trustee with a net
What to do if you are dissatisfied                  asset value of less than £1 million. If,
                                                    however, we do not resolve your complaint
Seek resolution by your usual point of              within 40 working days, the FOS will accept
contact.                                            a direct referral.
If you are disappointed with any aspect of          Whilst we are bound by the decision of the
the handling of your insurance we would             FOS, you are not. Following the complaints
encourage you, in the first instance, to            procedure does not affect your right to take
contact the manager concerned. You can              legal action.
write to us at PO Box 7463, Perth, PH2 0YX
or telephone us on 0845 300 3651,
whichever suits you, and ask your contact
to review the problem.
30




Financial Services Compensation Scheme
Our obligations are covered by the Financial
Services Compensation Scheme (FSCS). If we
are unable to meet our obligations, you
could be entitled to compensation from this
scheme, depending on the type of insurance
and the circumstances at the time.
For cover required by the Road Traffic Acts,
you would be covered in full for any claim;
for any other type of claim, you would be
covered for all of the first £2,000 and 90% of
the remainder, in each case, without any
upper limit.
Further information about the scheme is
available from the FSCS website
www.fscs.org.uk , or write to Financial
Services Compensation Scheme, 7th Floor
Lloyds Chambers, Portsoken Street, London,
E1 8BN.
                                                                                               31




Motor Breakdown Cover

This is your Motor Breakdown Cover Terms           Customer Services
and Conditions. Please read it carefully           0845 300 3651
together with all your other documents and         For general enquiries or changes.(Opening
keep it in a safe place. This cover only applies   hours are Mon-Fri 8am-10pm, Sat 8am-
if you have selected it as a benefit and it will   6pm, Sun 10am-4pm)
be shown on your Schedule of Insurance.
                                                   *Customers using mobile telephones are
Barclays brings you Motor Breakdown                recommended to contact their service
cover, in association with Norwich Union           provider for advice on using
Rescue, underwritten by Norwich Union              freephone numbers.
Insurance Limited.
                                                   Telephone call recording
Useful numbers
                                                   For our joint protection and training
Motor Breakdown Assistance                         purposes, telephone calls may be monitored
08000 286 077*                                     and/or recorded.
For the United Kingdom, Jersey,Guernsey
and Isle of Man (available 24 hours,
365 days a year)

1 800 535 005*
For the Republic of Ireland
(available 24 hours)
For the rest of Europe, see “Our Services in
Europe” section.
32




Contents

                                                       Page
Quick reference guide to Breakdown services             33
Definitions                                             34
Vehicle specifications                                  36
Our services in the United Kingdom                      37
Our services in Europe                                  41
Help when abroad                                        43
Exclusions which apply to our European cover            47
Terms and Conditions which apply to the whole policy    48
Exclusions which apply to the whole policy              50
What to do if you have a complaint                      52
                                                                                                  33




Motor Breakdown Services

The services listed below are only available to residents of the United Kingdom.

                                            Rescue      Rescue,        Rescue,         Europe
 Cover level chosen                                     Recovery &     Recovery,       (can be
                                                        At Home        At Home &       added to any
                                                                       Onward          UK cover
                                                                       Travel          Option when
 Benefits provided                                                                     Foreign Use
                                                                                       selected)


 Roadside assistance                            ✔            ✔               ✔


 Tow to a nearby garage for you, your           ✔            ✔               ✔
 car and up to 7 passengers

 Recovery to any destination for
 your, your car and up to 7                                  ✔               ✔
 passengers

 Recovery of your car and passengers if                      ✔               ✔
 the driver is medically unfit to drive

 Assistance at or within a quarter mile                      ✔               ✔
 of your home address

 A replacement car whilst yours is being
 repaired, or overnight accommodation                                        ✔
 or onward travel by taxi, train or plane

 All the benefits listed above when                                                         ✔
 travelling in mainland Europe


Please refer to the descriptions under each service level for full details of your cover.
Please also be aware that if we cannot repair your vehicle at the Roadside in the United Kingdom
the cost of parts, fuel and labour at any garage to which the vehicle is taken is not covered.
34




Cover                                    Definitions

Your annual call out entitlement is:     Whenever the following words or phrases
                                         appear, they will have the meanings
 Rescue only            All other UK     described below:
                        options
                                         You/Your
 2                      5                The person or persons named in the Motor
                                         Breakdown cover details.
Please see page 58 for full details.     Your Vehicle
Vehicle based                            The vehicle described in the Motor
The vehicle shown in your schedule is    Breakdown cover details.
covered, regardless of who is driving.   We/Us/Our
                                         Norwich Union Insurance Limited trading as
                                         Motor Breakdown.
                                         Resident
                                         Person who has their main home in the
                                         United Kingdom and has not spent more
                                         than six months abroad in total during the
                                         year prior to the start date of this policy.
                                         Home
                                         Your usual place of residence in the United
                                         Kingdom.
                                         Journey
                                         A holiday or trip that begins on your
                                         departure from your home and ends on
                                         return to your home.
                                         United Kingdom
                                         England, Scotland, Wales, Northern Ireland,
                                         Guernsey, Jersey and the Isle of Man.
                                         Use of Language
                                         Unless otherwise agreed, the contractual
                                         terms and conditions and other information
                                         relating to this contract will be in English.
                                                 35




Choice of law
The law of England and Wales will apply to
this contract unless:
- you and the Insurer agree otherwise;
  or
- at the date of the contract, you are a
  resident of (or, in the case of a business,
  the registered office or principal place of
  business is situated in) Scotland, Northern
  Ireland, Channel Islands or the Isle of Man,
  in which case (in the absence of
  agreement to the contrary) the law of that
  country will apply not covered.
36




Vehicle Specifications

Motor Breakdown is available when you       on which you receive your policy
are travelling in a motor vehicle which     documentation.
complies with the restrictions set out
below:                                      If you wish to do so and the insurance
                                            cover has not yet commenced, you will
 Maximum vehicle weight    3,500kg (3.5     be entitled to a full refund of the
 vehicle mass (GVM)        tonnes) gross    premium paid.

 Vehicle length            No restriction   Alternatively, if you wish to do so and
                                            the insurance cover has already
                           2.3 metres       commenced, you will be entitled to a
 Maximum vehicle width                      refund of the premium paid subject to a
                           (7ft 6ins)
                                            deduction for the time for which you
Caravans and trailers                       have been covered. This will be
The above specifications will also apply    calculated on a pro-rata basis for the
to the caravan or trailer except the        period in which you received cover.
length which must not exceed 7.6
metres (25ft) including tow bar.            To exercise your right to cancel, please
                                            contact Barclays on 0845 300 3651.
If your vehicle should breakdown whilst
towing a caravan or trailer we will         If you do not exercise your right to
recover your vehicle together with the      cancel your policy, it will continue in
caravan or trailer. If your caravan or      force for the term of the policy and you
trailer breaks down in a way that means     will be required to pay the premium as
it cannot be repaired, we will be unable    stated.
to recover your caravan or trailer.         We (or any agent we appoint and who
However we can arrange for its recovery     acts with our specific authority) may
although you will be responsible for any    cancel this policy by sending 14 days’
costs incurred.                             notice to your last known address. You
We would recommend that you always          will be entitled to a refund of the
carry a serviceable spare tyre and wheel    premium paid, subject to a deduction for
appropriate to your vehicle, caravan or     the time for which you have been
trailer.                                    covered. If you do not pay the premium
                                            (or any part of the premium under the
                                            payment option you have chosen) by the
Your Breakdown Cancellation Rights          due date, we may cancel this policy with
You have the right to cancel your policy    effect from the end of the last period for
during a period of 14 days after the day    which a payment has been made.
                                                                                            37




Our services in the United Kingdom

Rescue                                          What is not covered:
Rescue services are available whilst            • Breakdowns within a quarter of a mile of
travelling in the United Kingdom, and the         your home or where you normally keep
Republic of Ireland.                              your vehicle
                                                • Towing following an accident, fire, theft or
If you have broken down on a public               act of vandalism or other incident
highway we will provide the following:            normally covered by your motor
                                                  insurance. If you call us for assistance
• A Norwich Union Rescue Patrol, RAC              following such an incident and you have
  Patrol, or contractor to assist you             Comprehensive motor insurance with
• Labour at the roadside                          Barclays we can arrange this for you. If
• If we are unable to repair your vehicle         your motor insurance is not with Barclays
  within a reasonable time or if our              and Motor Breakdown recovery is
  patrolman considers the repairs unwise,         arranged for you we will not be
  we will transport your vehicle to a             responsible for meeting the costs
  destination of your choice within 10            involved, and it is your responsibility to
  miles. If you have no preferred                 ensure that you properly comply with any
  destination, we will take your vehicle to a     requirements of your motor insurer in
  nearby garage                                   making a claim under your motor
• Transport for you and up to seven               insurance policy. If Motor Breakdown
  passengers to the above chosen                  agrees to arrange recovery you will be
  destination. (If there are more than five       required to pay the Motor Breakdown or
  people this may require two separate            any attending garage’s applicable charges
  vehicles. An adult from the covered           • The costs of parts, fuel or other supplies
  vehicle must accompany any children.)         • Labour at any garage to which the
• If you need to leave your vehicle at the        vehicle is taken
  garage we will reimburse you for taxi         • Towing costs for the whole distance if
  fares up to 20 miles (a receipt must be         you wish to be taken to a destination
  obtained).                                      further than 10 miles
                                                • Any events excluded under our Policy
                                                  Exclusions (full details shown on page 58).
38




Recovery                                        At Home
Recovery services are available whilst          At Home services are available whilst
travelling in the United Kingdom only.          travelling in the United Kingdom only.
If you have chosen Recovery and your            If you have chosen At Home you are also
vehicle breaks down as described under          entitled to use the service described under
Rescue, we will provide the following           Rescue within a quarter of a mile of your
service if we cannot get your vehicle           home address or where you normally keep
repaired locally within a reasonable time:      your vehicle.
• Transportation of your vehicle to your
  home or a single address anywhere in          Onward Travel
  the United Kingdom                            Onward Travel services are available whilst
• Transport for you and up to seven             travelling in the United Kingdom only.
  passengers to the above chosen
                                                Onward Travel benefits must be arranged at
  destination. (If there are more than five
                                                the time of breakdown and cannot be
  people this may require two separate
                                                requested later.
  vehicles. An adult from your vehicle
  must accompany any children.)                 If you have chosen Onward Travel you are
                                                entitled to one of the following extra
The above Recovery service is also available
                                                benefits once we have decided that we
should you be taken ill and cannot continue
                                                cannot get your vehicle repaired locally:
your journey as you have no passengers
who can legally drive your vehicle. Ideally     • Replacement hire car
you will need to produce some form of           • Alternative transport costs
medical certificate for this, however we will   • Hotel accommodation.
provide services as we see fit.
                                                If you have chosen At Home and Onward
What is not covered:                            Travel you can use the Onward Travel
• Breakdowns within a quarter of a mile of      benefits within a quarter of a mile of your
  your home or the place where your             home address. (This excludes incidents
  vehicle is usually kept                       where we have been called to rectify failed
• A second recovery if the original fault has   repairs.)
  not been properly repaired
• The use of the Recovery service as a way
  to avoid repair costs
• Recovery which is not arranged at the
  time of breakdown. This cannot be
  requested later.
                                                                                            39




Replacement hire car                              Hotel accommodation
We will pay for                                   We will arrange and reimburse you for one
                                                  night’s bed and breakfast for up to eight
• The hire cost of a car up to 1600cc for 24      people in a hotel of our choice. We will pay
  hours                                           up to £150 a person or £500 for each group
• Insurance (including collision damage           whichever is less. You will have to pay for
  waiver - conditions apply.)                     any extra hotel or transport costs.
Replacement hire car is subject to
availability and our supplier’s Terms and         Special medical assistance
Conditions which will usually include:            Onward Travel also provides special medical
                                                  assistance. If you or one of your passengers
1. Age limits.                                    is taken into hospital more than 20 miles
2. The need to have a current driving             from home we will arrange and pay for
   licence with you.                              overnight accommodation for the other
3. Limits on acceptable endorsements.             passengers, as described in ‘Hotel
4. The need to provide a valid credit card        accommodation’ above. We will also
   number. (Alternatively, the car rental         arrange for an ambulance to take the
   provider will require a deposit of no less     patient to a local hospital near to their
   than £50 and may also undertake a              home once medical permission has been
   credit check before releasing the vehicle      given. Special medical assistance is not
   to you.)                                       available for planned hospital visits.
Hire cars are not usually available with a tow
bar and therefore your caravan or trailer will,
if eligible, be recovered under the Recovery
benefit with your broken down vehicle.
If we decide that a hire car is not a
practicable solution for any reason, hotel
accommodation or alternative transport will
be provided instead.

Alternative transport
We will arrange and reimburse you for the
cost of public transport for up to eight
people to reach the end of their journey
within the UK, subject to a maximum of
£150.
40




What is not covered:
• A second use of the Onward Travel
  benefits if the original fault has not been
  properly repaired
• Other charges arising from your use of
  the hire car benefit such as fuel costs,
  deposit, any insurance excess charges,
  collecting and returning the vehicle and
  any costs due to you keeping the car
  after the agreed period of hire
• If you require a second or any other type
  of vehicle we will try to arrange this for
  you. You will have to pay for any
  additional costs
• If you are unfortunate enough to have an
  incident with the hire vehicle and you
  make an insurance claim, you will be
  responsible for paying any excess.
                                                                                               41




Our services in Europe

This service is available to residents of the       Please check with the local operator if
United Kingdom excluding Northern Ireland           you experience any difficulties dialling
and provides emergency assistance by one            from these countries or elsewhere.
of our contractors in the event of vehicle
breakdown, accident, fire or theft, or when       * Customers using mobile telephones are
the only qualified driver is unfit to drive. It   recommended to contact their service
applies in all European countries including       provider for advice on using freephone
the Channel Islands, the Republic of Ireland,     numbers.
the Mediterranean Islands, the Canary
                                                  Before you travel
Islands, Madeira, Iceland and Turkey.
                                                  We strongly recommend you inform Barclays
Availability of services in Eastern Europe        Insurance Services Company Limited before
Every effort is made by Motor Breakdown to        taking your vehicle abroad. If you do not,
ensure a quality service is provided in           your insurance cover may reduce to the
Eastern European countries but this may           minimum Road Traffic Act (or equivalent)
not necessarily be the same standards as in       requirement in the country where you are
Western Europe. The situation varies from         travelling. This would provide no cover for
country to country but time delays may            damage, fire or theft to your own vehicle.
occur, telephones are sometimes not               You should also inform your insurers if you
available, garage facilities may be               are towing a trailer or caravan.
inadequate, spare parts are often not
available, etc. You should also be aware that
unleaded fuel may not be widely available.

How do you get help?
If you are travelling in:
- The United Kingdom to or from port, call
  us FREE on 08000 286 077*
- The Republic of Ireland, call us FREE on
  1800 535 005*
- France or Monaco, call us FREE on
  0800 940 175*
- Any other country, call us on
  00 33 4 7243 5245. This number applies
  to most countries.
42




Cover and limits – Summary

 Cover                                          Limits

 Overall Limit unless otherwise stated          £2,500

 Service in the UK

 Service in the UK is provided in line with your vehicle based cover

 Service while abroad

 Roadside assistance                            £175

 Spare parts despatch                           Overall limit applies

 Extra accommodation expenses                   £35 per person for each night, up to £560

 Journey continuation or return home            Self-drive hire - up to 14 days

 Replacement driver                             Overall limit applies

 Vehicle break-in                               Overall limit applies

 Accidental damage to tent                      £35 per person for each night, up to £560

 Urgent message relay service                   Overall limit applies

 Returning your vehicle to the UK               Overall limit applies

 Custom claims indemnity                        Overall limit applies

 Service after you return home

 Travel expenses to collect your vehicle
                                                Overall limit applies
 which has been left abroad for repair

 Replacement vehicle after you return home      £250
                                                                                                43




Help When Abroad

Rescue and Recovery assistance                    What is not covered:
If you are travelling abroad and are stranded     - the cost of any parts used for repairs to
on a public highway through breakdown,              your vehicle at the roadside or at a
road traffic accident or vandalism, we will         garage,
arrange for a local breakdown service or          - repair costs, including labour, if your
garage to come out and try to repair your           vehicle was in a road traffic accident,
vehicle. If your vehicle cannot be repaired         damaged by fire or stolen,
immediately it will be taken to the nearest       - the cost of any repairs to your vehicle
garage. In the event of breakdown we will           which are not essential to the
pay either:                                         continuation of your journey on the
                                                    same day,
– a contribution towards labour charges if        - any other costs other than those stated
  it is possible to repair your vehicle to          above.
  enable you to continue your journey on
  the same day, or                                Onward travel benefits
– inspection fees to confirm your vehicle
                                                  If our control centre abroad confirms
  cannot be repaired by your return travel
                                                  repairs to your vehicle will take more than
  date.
                                                  12 hours, if your vehicle is to be returned to
Spare parts despatch                              the United Kingdom, or if your vehicle has
                                                  been stolen and not recovered within 24
We will also pay for freight, handling and        hours, we will arrange and pay for either of
ancillary charges on despatch of spare            the following:
part(s) not obtained locally, plus the fare for
one person to collect part(s) from the            - Accommodation expenses up to £35 per
appropriate railway station or airport.             person per day (up to a maximum of 4
                                                    days) for a room only. You will need to
Special condition                                   make your own hotel arrangements
Our agent will despatch parts as quickly as         unless you are in France or Monaco as
possible but delays will occur at weekends          our control centre can then help you
and bank holidays. Once you have asked for          with this.
parts from our control centre, you are            - Up to 14 days self-drive car hire
responsible for paying for their full cost,         (including collision damage waiver,
even if you obtain them locally. We and our         delivery charge and Green Card if
agents will not be responsible for                  required), or we will pay for
manufacturer or supplier errors, loss or            standard/second class rail, or both, so
damage of parts in transit or any delay in          that you and up to 7 passengers are able
delivery.                                           to continue your journey or return home.
44




     Any hired vehicle cannot be brought into      to your destination or home. Alternatively if a
     the United Kingdom. We will arrange for       replacement driver is not available we will
     a second hire for the United Kingdom          recover your vehicle and up to 5 passengers
     part of your journey.                         to your destination or home.
We will try to provide you with a hire car but     What is not covered:
this will not necessarily be the same as your
vehicle. We are unable to hire utility vehicles,   - the cost of a replacement driver or any
vans, motorised caravans, minibuses,                 other costs if any of your passengers are
motorcycles or cars with automatic                   legally able to drive your vehicle.
gearboxes, towbars or roof racks.
                                                   Vehicle break-in
Car hire is subject to the normal Terms and        If the windows, windscreen or locks of your
Conditions of the hiring company and you           vehicle have been damaged by somebody
will be required to give your credit card          trying to break into your vehicle and you
details to cover a refundable deposit and          have subsequently obtained a Police report,
extras. The driver must also have held a full      we will pay the cost of emergency repairs to
UK driving licence or equivalent for a             make your vehicle secure again.
minimum of one year (2 years for France).
                                                   What is not covered:
If your vehicle is stolen or vandalised you
must obtain a Police report.                       - the cost of repairs if they are not to make
                                                     your vehicle secure and for the reason
What is not covered:                                 stated,
                                                   - any event where you fail to obtain a
– the costs of any meals or any other hotel
                                                     Police report and submit this with your
  or extra costs,
                                                     claim,
– petrol, oil,
                                                   - for property in or on your vehicle.
– personal insurance,
– collection charge and any other costs
                                                   Urgent messages
  with self-drive car hire other than those
  stated above,                                    If your vehicle cannot be moved as it has
– first class rail fares.                          broken down, been in an accident,
                                                   damaged by fire or stolen, we will pay the
Replacement Driver                                 cost of passing an urgent message from our
                                                   control centre.
If a registered doctor declares the only
qualified driver is medically unfit to drive,
we will pay for the cost of a replacement
driver to drive your vehicle and 5 passengers
                                                                                           45




What is not covered:                            What is not covered:
- to pass on a message through anyone           - the cost of repatriation if this is more
  other than our control centre.                  than the UK market value of your vehicle.
                                                - the cost of repatriation if your vehicle is
Accidental damage or loss of your tent            unroadworthy.
If you are intending to camp but your tent      - any costs arising from an incident not
is stolen or accidentally damaged so that         reported to our control centre.
you cannot use it, we will pay up to £35 per    - any cost not described above.
person each day towards accommodation
expenses to a total of £560 or, at our          Important - please note:
discretion, authorise the cost of a             - When repatriation is authorised it
replacement tent.                                 normally takes 10-14 working days for
                                                  delivery to a UK address from most
What is not covered:                              Western European countries. At busy
- meals or any extra costs,                       times and from Eastern European
- damage to your tent caused by weather           countries it may take longer.
  conditions,                                   - You should check with your Insurers that
- the cost of a replacement tent not              your ehicle and its contents will be
  authorised by us,                               covered in transit for loss or damage.
- any costs if your tent was stolen and you     - If your vehicle is not able to be driven
  do not get a Police report.                     due to a road traffic accident, fire or
                                                  theft, any damage which you are entitled
Returning your car to the United Kingdom          to have repaired by your motor insurers
                                                  must be reported to them immediately.
We will pay the costs of returning your
                                                  Your insurers must decide whether to
vehicle by road transporter from abroad to
                                                  authorise repairs abroad or have your
your home or chosen repairer in the United
                                                  vehicle repatriated. We cannot repatriate
Kingdom. If the vehicle is a ‘write-off ’, we
                                                  your vehicle unless your insurers first
will also pay the cost of packing and
                                                  give their permission.
freighting baggage, provided that we have
                                                - If your vehicle is a ‘write off ’ and the
not paid you an amount instead of
                                                  motor insurers have not confirmed a
returning your vehicle home.                      total loss, we may pay an amount to the
                                                  vehicle’s owner instead of repatriating
                                                  your vehicle to the United Kingdom.
46




- If your vehicle is being repatriated and        - petrol costs for your vehicle from where
  customs in any country find its contents          it has been collected to your home.
  to be breaking the law then this cover          - single homeward ferry fare for your
  will become invalid and we will not pay           vehicle and one person.
  any claims.                                     - single room only hotel accommodation
                                                    for one person limited to £35 if this is
Customs claims indemnity
                                                    needed to complete the round trip.
If your vehicle cannot be reasonably
repaired as a result of fire or theft which has   What is not covered:
happened abroad during the journey and it
                                                  - first class rail fares,
has to be scrapped under Customs
                                                  - the cost of any meals,
supervision in the country where it is
                                                  - any other costs.
situated, or it has been stolen abroad during
the journey and has not been found, we will
                                                  Replacement vehicle on your return home
pay indemnity against Continental or Irish
Customs claims for any liability for duty         If you are waiting for your vehicle to be
claimed. Please call our European Support         returned from abroad under the terms of
Team on 08705 493 320 Monday to Friday            this policy, we will pay up to £250 for self-
9am-5pm to claim for Customs Claims               drive car hire including collision-damage
Indemnity.                                        waiver. Please call our European Support
                                                  team on 08705 493 320 Monday to Friday
What is not covered:                              9am - 5pm to claim for this service.
- any import duties which do not relate to
                                                  What is not covered:
  your vehicle.
                                                  - fuel, oil, personal insurance and any
Collection of your vehicle left abroad to           other costs,
be repaired                                       - self-drive car hire after your vehicle is
                                                    returned to your chosen address in the
If repairs to your vehicle due to breakdown,
                                                    United Kingdom,
fire or accident cannot be completed in time
                                                  - self-drive car hire if you or a person
for your return home, we will pay the costs
                                                    chosen by you is collecting your vehicle
of one person to return abroad to collect
                                                    from abroad after it has been repaired.
your vehicle once the repairs have been
made. We will pay for
the following:
- standard/second class rail fare plus other
  public transport fares.
                                                                                                  47




European Breakdown
Cover Exclusions
a) Any costs which would have been                 g) Breakdown due to:
   payable even if the incident causing the           i. Lack of oil or water.
   claim had not occurred.                            ii. Frost damage.
b) Your vehicle if it is used for or if you take      iii. Rust or corrosion.
   part in motor racing, rallies or other             iv. Unserviceable/unroadworthy tyres.
   competitive events.
c) Liability for costs or losses due to delays     h) The effect of intoxicating liquors or
   or acts or omissions of anyone we have             drugs.
   instructed but have no direct control of,       i) Your vehicle being driven by anyone not
   such as garages, hotels, car hire firms etc.       holding a valid full driving licence.
                                                   j) Any incident leading to a claim under
   You are responsible for ensuring that              this policy which is covered under any
   repairs are carried out to your own                other insurance, breakdown or medical
   satisfaction and you are liable for any            policy, we will only pay our share of the
   labour costs which amount to more than             claim. This restriction does not apply to
   the limits of this policy. You are also            the limits under the vehicle break-in
   liable for the costs of all parts.                 cover.
                                                   k) Vehicle break-in benefits do not apply in
   If it is necessary to return your vehicle          respect of:
   to the United Kingdom unattended you               - loss of or damage to property in your
   should check with your motor insurers                 vehicle if it has been left unattended or
   that your vehicle and its contents will               in a public garage for more than 24
   be covered against loss or damage in                  hours or whilst it is unattended on a
   transit.                                              vehicle transporter, on a train or at sea,
d) Any costs for hiring a vehicle other than          - your property if it is confiscated,
    under the terms of this policy.                      destroyed or kept by customs or any
e) Any liability for claims as a result of acts          other authority.
    of nature, strikes, war, invasion, riot,
    revolution or any similar event.
f ) Any loss, damage or liability directly or
    indirectly caused by:
    - Ionising radiation or radioactive
       contamination from any nuclear fuel
       or nuclear waste or any risk from
       nuclear equipment.
    - pressure waves caused by aircraft or
       other flying machines travelling at
       sonic or supersonic speeds.
48




Breakdown Policy
Terms and Conditions
1. Our employees and contractors will use         6. We will not issue a refund of premium if
   reasonable skill and care when providing          you cancel your cover, unless it is within
   the service.                                      14 days of taking out cover.
2. You or someone nominated by you, must          7. If you upgrade your cover a pro-rata
   be with your vehicle when the patrol or           charge will be made.
   contractor arrives. Service will then be       8. We will take legal action against anyone
   provided in accordance with your vehicle          who uses our services dishonestly.
   based cover.                                   9. If we provide service to a child, an adult
3. Service will be provided only to your             must accompany the child travelling in
   vehicle specified in the cover details or to      your vehicle.
   a vehicle that has been notified to and        10.If there are any domestic animals in your
   acknowledged in writing by us as being a          vehicle, their onward transportation is at
   permanent substitution for the previous           our discretion and solely at your risk. We
   vehicle.                                          will not insure any animal during any
   You should, therefore, ensure that such           onward transportation we undertake.
   notification is made immediately a                Unless there is a safety issue, guide dogs
   substitution occurs to avoid service              will always be transported with their
   being refused.                                    owners.
4. For cover to apply the vehicle must:           11.Following a breakdown attended by the
   - be a vehicle registered for road use in         Police or other emergency service,
       the United Kingdom,                           removal of your vehicle will not take
   - carry no more than the number of                place until the emergency service
       persons recommended by the                    concerned has authorised it. If the Police
       manufacturer (and for whom seats              or emergency service concerned insist on
       are provided) with a maximum of 8             immediate recovery by a third party, the
       persons including the driver,                 costs of this may need to be met by you.
   - not be used for the purpose of private       12.We will not be responsible for any
       or public hire,                               indirect losses that are incurred as a
   - not exceed (including any load                  result of our acts or omissions.
       carried) the following dimensions:         13.We do not guarantee to carry out service
       3,500 kg in weight and 2.3 metres             if we are prevented from doing so in
       in width.                                     circumstances beyond our reasonable
5. If someone other than you calls us out            control including, without limitations; the
   and the service provided goes above the           activities of civil or government
   terms of the cover provided, you will             authorities, industrial disputes, acts of
   have to pay the costs.                            nature or severe weather conditions.
                                                                                               49




14.We have the right to refuse to give            You will have to pay an additional charge set
    service and/or cancel cover if anyone         by us for any additional call outs. This
    using our service behaves in a                additional charge will be no less than £75
    threatening or abusive way to our staff       plus VAT. You will have to pay this additional
    or contractors. We further reserve the        charge by credit or debit card when you
    right to refuse you service and/or cancel     telephone us to request assistance.
    cover where upon attending a request for
    assistance you have (or any person            Battery related faults – our initial
    present in the vehicle has) displayed         attendance for a battery-related fault is
    such behaviour to our staff or                included in your entitlement. Our patrol will
    contractors in the past.                      test your battery at the initial breakdown
                                                  attendance and if the battery is no longer
15.Upon renewal of your Motor Breakdown
                                                  serviceable and so fails the test you will be
    cover, the services that you will receive
                                                  advised to replace it. If you call us out again
    will be those set out in the terms of cover
                                                  and we identify the same fault as a problem
    current at the time of such renewal.
                                                  caused by the same battery, you will have to
16.In the event that you require vehicle          pay an additional charge set by us which
    recovery following a road traffic accident    will be no less than £75 plus VAT (this call
    and you have fully comprehensive motor        out will not affect your no call out
    insurance with Barclays we can arrange        discount). If we do not receive payment
    this for you. If you have Third party fire    within 14 days of the invoice date we will
    and theft cover with Barclays we can          cancel your policy without refund.
    arrange this, but you may be charged for
    this service. If Motor Breakdown agrees       Your breakdown entitlement may increase
    to arrange recovery you will be required      or decrease if you change your cover
    to pay the Motor Breakdown or any             options. However, you cannot change your
    attending garage’s applicable charges.        cover option during the current period of
17. Your annual breakdown entitlement:            cover if you have reached your maximum
    You have chosen, you have the right to        entitlement of call-outs.
    call us out a number of times in each
    period of cover if your vehicle breaks
    down as follows:

 Rescue only            All other UK
                        options

 2                      5
50




Breakdown Policy Exclusions

1. Any breakdown that occurs during the          4. Vehicles being demonstrated or delivered
   first 24 hours after joining or reinstating      under trade plates.
   cover. In these circumstances the roadside    5. The transportation of any vehicle or
   rescue service will be provided free of          trailer that contains horses or livestock.
   charge, but an appropriate charge, no less    6. The transportation of any vehicle that we
   than £75 plus VAT, would be made for             suspect is loaded over its legal limit.
   additional services such as recovery, at      7. The cost of draining or removing
   home cover or onward travel benefits.            contaminated fuel (we will arrange for
2. Vehicles that were broken down,                  your vehicle to be taken to a local garage
   unroadworthy or without a current road           for assistance, but you will have to pay for
   fund licence at the time of joining,             any work carried out).
   upgrading or reinstating cover. In these      8. Any costs incurred without our prior
   circumstances we may agree to provide            consent. All requests for service must be
   service (for example, if a persons safety        made directly to Motor Breakdown.
   is in jeopardy) but an appropriate charge,    9. Costs where specialist equipment (if in
   no less than £75 plus VAT, would be              our view, equipment not usually carried
   made.                                            by our patrols or contractors) is needed
3. Vehicles that have broken down as a              to move a vehicle which has left the
   result of taking part in a motor sport           highway, is overturned or from which
   event which takes place off the road             wheels have been removed. We will
   and/or is not subject to the normal rules        arrange removal, however, you will have
   of the road. (Vehicles participating in a        to pay the costs involved direct to the
   treasure hunt, touring assembly or               contractor. Once your vehicle has been
   navigational road rally which takes place        recovered to a suitable location, service
   on the road or public place and comply           will be provided according to your
   with the normal rules of the road, are           entitlement under this policy.
   covered.)                                     10.Any costs incurred as a result of you
   Note: Cover will not be extended to              failing to carry a serviceable spare tyre
   vehicles that have broken down as a              and wheel appropriate to your vehicle,
   result of a motor sport event which takes        caravan or trailer.
   place on a permanent, or temporarily             Note: motorised vehicles that are
   constructed race track (eg Snetterton,           manufactured without the provision of a
   Oulton Park) or rally circuit.                   spare wheel will be considered on their
                                                    individual merits.
                                                51




11.Assistance in changing a wheel is only
   covered within your breakdown
   entitlement if you are carrying a
   serviceable spare as specified above.
12.The cost of a locksmith, body glass or
   tyre specialist. We will try to arrange
   these services if needed but you will have
   to pay for them.
13.Vehicle storage charges.
14.The costs of ferry crossings, unless
   otherwise specified.
52




What to do if you have
a complaint
Our goal is to give excellent service to all of     If you have a complaint about a claim
our customers but we recognise that things          you have made please contact us on
do go wrong occasionally. We take all               0845 300 3657.
complaints we receive seriously and aim to
resolve all our customers’ problems                 If you remain unhappy with the decision you
promptly. To ensure that we provide the             receive from us, you may write to the Chief
kind of service you expect we welcome               Executive at Norwich Union, 8 Surrey Street,
your feedback. We will record and analyse           Norwich, NR1 3NG.
your comments to make sure we                       If you are dissatisfied with our final decision
continually improve the service we offer.           (from the Chief Executive Officer), you can
                                                    refer the matter to the Financial Ombudsman
What will happen if you complain?                   Service (FOS).
•    We will acknowledge your complaint
     within 2 working days.                         Full contact details of both our Chief
                                                    Executive and the FOS will be provided when
•    We aim to resolve complaints, following
                                                    we write in response to your complaint.
     assessment and investigation, as quickly
     as possible                                    Note that the FOS will only consider your
Most of our customers’ concerns can be              complaint if you have given us the
resolved quickly but occasionally more              opportunity to resolve it and you are a
detailed enquiries are needed. If this is likely,   private policyholder, a business with a group
we will contact you with an update and give         annual income of less than £1 million, a
you an expected date of response.                   charity with an annual turnover of less than
                                                    £1 million or a trustee with a net asset value
What to do if you are dissatisfied                  of less than £1 million. If, however, we do not
Seek resolution by your usual point of              resolve your complaint within 40 working
contact.                                            days, the FOS will accept a direct referral.

If you are disappointed with any aspect of          Whilst we are bound by the decision of the
the handling of your insurance we would             FOS, you are not. Following the complaints
encourage you, in the first instance, to            procedure does not affect your right to take
contact the manager concerned. You can              legal action.
write to us at PO Box 7463, Perth, PH2 0YX
or telephone us on 0845 300 3651,
whichever suits you, and ask your contact to
review the problem.
                                                 53




Financial Services Compensation Scheme
Our obligations are covered by the Financial
Services Compensation Scheme (FSCS). If we
are unable to meet our obligations, you
could be entitled to compensation from this
scheme, depending on the type of insurance
and the circumstances at the time.
For cover required by the Road Traffic Acts,
you would be covered in full for any claim;
for any other type of claim, you would be
covered for all of the first £2,000 and 90% of
the remainder, in each case, without any
upper limit.
Further information about the scheme is
available from the FSCS website
www.fscs.org.uk , or write to Financial
Services Compensation Scheme, 7th Floor
Lloyds Chambers, Portsoken Street,
London, E1 8BN.
Everything you need to know
54



about Barclays Insurance
Home Insurance                                                                                                   0800 015 8951*
Protecting your most valuable assets
Plus 5% loyalty discount if you have another policy with us **
Motor Insurance                                                                                                  0800 404 7532*
Comprehensive and third party insurance options
Plus 5% loyalty discount if you have another policy with us**
Travel Insurance                                                                                                0800 559 3649*
Flexible, great value cover when you’re out in the big wide world
Plus 5% loyalty discount if you have another policy with us**
Student Possessions Insurance                                                                                    0800 051 4707*
Away from home? We can take care of your possessions
Health Insurance                                                                                                   0800 316 2825
Worldwide cover available everyday of the year
(Lines open 8am to 8pm Monday to Friday, 9am to 2pm Saturdays)




www.barclaysinsurance.com
This item can be provided in Braille, large print or audio tape/CD
by calling 0845 300 3651 or by ordering online from www.barclays.co.uk
*All lines are open from 8am to 10pm Monday to Friday, 9am to 6pm Saturdays, 10am to 4pm Sundays and Bank Holidays. Calls may be
monitored or recorded
**Applies to Barclays Home, Motor and Annual Travel policies only.




Barclays Insurance Services Company Limited is authorised and regulated by the Financial Services Authority.
Registered Office: 1 Churchill Place, London E14 5HP. Registered in England, Registered No.973765

The insurer of Barclays Motor Insurance is Gresham Insurance Company Limited, authorised and regulated by the Financial Services Authority.
Registered Office: 8 Surrey Street, Norwich, Norfolk NR1 3NG. Registered in England, Registered No. 110410
The insurer of Legal Services and breakdown cover is Norwich Union Insurance Limited, authorised and regulated by
the Financial Services Authority.
Registered Office: 8 Surrey Street, Norwich, NR1 3NG. Registered in England. Registered No. 99122 Member of the Aviva Group.

Item Ref: CMOOC1108_70956 02.2007

				
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