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2. personal finance
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Asda 5 Star
Car Insurance
Policy Wording
money
Contents
page number
Welcome to Asda Car Insurance .................................................................................................................... 3
Part A - Your Car Insurance Policy: Introduction.......................................................................................4
What Sections of Your Car Insurance Policy Apply?............................................................................... 5
What to do In the Event of a Claim................................................................................................................ 6
Definition of Terms................................................................................................................................................ 9
General Conditions Applying To The Whole of Your Car Insurance Policy.....................................11
Important Information About Your Car Insurance Policy......................................................................15
General Exclusions Applying To The Whole of Your Car Insurance Policy.....................................19
Section 1. Loss And Damage...........................................................................................................................22
Section 2. Liability To Third Parties...............................................................................................................26
Section 3. Medical Expenses...........................................................................................................................28
Section 4. Emergency Medical Treatment.................................................................................................28
Section 5. Windscreen/Glass Cover ............................................................................................................28
Section 6. Foreign Travel...................................................................................................................................29
Section 7. Servicing or Repair........................................................................................................................ 30
Section 8. Personal Belongings..................................................................................................................... 30
Section 9. Personal Accident............................................................................................................................31
Service Standards................................................................................................................................................32
Part B – Your Motor Legal Protection Insurance Policy........................................................................33
General Exceptions............................................................................................................................................. 40
Part C - Your Breakdown & Assistance Policy......................................................................................... 42
page 2
Welcome to Asda Car Insurance
We are pleased you have arranged your car insurance through Asda. We have been
providing financial services products for almost 10 years and in that time we have grown to
provide a range of products.
Asda Car Insurance offers market leading cover at a competitive premium, revolutionary
flexibility and control over your Policy through our websites and UK service centres.
As well as the added reassurance of a 24 hour emergency claims line, Motor legal
protection, courtesy car whilst an approved repairer fixes your car (subject to availability)
and up to £750 cover for loss/damage to audio equipment in your car, we have a number
of additional benefit options available to suit your needs that can be added to your policy.
Asda Car Insurance is arranged and administered by Brightside Insurance Services Ltd
who are authorised and regulated by the Financial Conduct Authority (Firm reference No.
302216). Registered office: MMT Centre, Severn Bridge, Aust Bristol BS35 4BL. Registered
in England and Wales number 04137311.
Asda Money is a trading name of Asda Financial Services Limited and Asda Stores Ltd who
are Introducer Appointed Representatives of Brightside Insurance Services Ltd.
Brightside Insurance Services Ltd is an insurance intermediary and we arrange cover
through a limited number of insurers for private car and a single insurer for Breakdown
Assistance, Legal Expenses, Key Cover, Vehicle Hire and Keeping You on the Move cover.
Please contact us for details of these insurers. Our service includes, but is not limited to,
arranging Your insurance cover and helping You with on-going changes.
This booklet is made of three parts:
1) Part A Your Car Insurance Policy
2) Part B Your Legal Cover Policy
3) Part C Your Breakdown & Assistance Policy
If You have any concerns with Your Policy, features and benefits, Terms or Conditions,
please email [email protected]. Any Excess(es) or Endorsement(s)
that are applied to Your Policy will be shown on Your Motor Policy Schedule.
page 3
Part A - Your Car Insurance
Policy: Introduction
Asda Car Insurance is pleased to welcome You as a policyholder.
This policy wording and accompanying documents are evidence of a legally binding
contract of insurance between You (the Insured) and Us (the Insurers shown on Your
Motor Policy Schedule). This contract is entered into on the basis that You have taken all
reasonable care to answer all questions asked honestly, accurately and to the best of Your
knowledge and that any other information given either verbally or in writing by You or
on your behalf at the time You applied for insurance is also complete and has been given
honestly and to the best of your knowledge and belief. The information that You have given
to Us is shown on Your Statement of Information but will also include further information
given either verbally or in writing by You or on Your behalf at the time You applied for
insurance.
Your Car insurance contract is made up of the following documents which should be read
together:
• This Insurance Policy Document
• The Motor Policy Schedule
• The Certificate of Motor Insurance
• The Statement of Information
Please carefully read all the documents that form Your contract of insurance carefully and
make sure they meet with Your requirements.
If any of the details are incorrect You must inform Us immediately, failure to do so may
result in result in Your policy being cancelled or Your claim being rejected or not fully paid.
If You have any questions concerning Your insurance please email:
[email protected]
Or You can call us on 0844 826 9987
In return for You paying or agreeing to pay the premium, We will insure You, subject to the
Terms, exceptions, exclusions, conditions and Endorsements contained in or endorsed upon
this Policy on the basis of the cover shown in Your Motor Policy Schedule for accident,
injury, loss or damage that happens during the Period of Insurance.
Please keep this Policy in a safe place as You may need to refer to it if You need to make a
claim.
Please call to report all incidents within 24 hours of the incident occurring, ideally within 1
hour, even if You are not claiming.
The obligations of the subscribing insurers under contracts of insurance to which they
subscribe are several and not joint and are limited solely to the extent of each company’s
page 4
individual subscription. If one of the insurers does not for any reason satisfy all or part of its
obligations the other insurers will not be responsible for the defaulting insurers obligations.
This Policy is a contract between Us and You, the Policyholder. It is not intended that The
Contracts (Rights of Third Parties) Act 1999 gives anyone else any rights under this Policy
including the right to enforce any part of it.
What Sections of Your Car
Insurance Policy Apply?
The following sections detail Your cover, different sections will apply depending on
whether You have comprehensive or third party fire and theft cover only.
If You wish to upgrade Your cover from third party fire and theft cover to comprehensive or
upgrade Your policy to take advantage of the additional benefits we have available You can
call us on 0844 826 9987
Cover
Comprehensive Cover
Section 1. Loss And Damage
✓
Section 3. Medical Expenses
✓
Section 2. Liability To Third Parties
✓
Third Party Fire and
Theft
✓*
✓
Section 4. Emergency Medical Treatment
✓
✓
Section 6. Foreign Travel
✓
✓
Section 5. Windscreen/Glass Cover
Section 7. Servicing Or Repair
Section 8. Personal Belongings
Section 9. Personal Accident
✓
✓
✓
✓
Optional**
✓
✓
* Section 1 only applies to TPFT policies for loss or damage caused directly by Fire or Theft
** Windscreen cover (Section 5) is only available to TPFT customers who have purchased it
as an optional extra. If this cover applies it will be shown on Your Motor Policy Schedule.
The General Conditions and General Exclusions apply to all sections of this Car Insurance
Policy
page 5
What to do In the Event of a Claim
After any accident or incident You must call our 24 hour Claims Helpline as quickly as
possible following the incident (this must be within 24 hours of the incident but ideally
within 1 hour). This is regardless of whether You wish to make a claim under the policy or
not. Delay in notification of an incident to us may invalidate Your right to claim.
To make a claim, or to report an incident which may result in a claim,
call the 24 hour Claims Helpline on: 0845 128 7268
Your policy number can be found on Your Certificate of Motor Insurance
Lines are open 365 days a year.
Windscreen/Glass Claim Helpline Numbers
0800 999 5000 for Policies ending with MZ
0800 294 7772 for all other Policies
When You call, please have ready Your current Certificate of Motor Insurance, details of the
driver if other than Yourself, Your Car, and details of the incident itself. Our operators will
take down full details of the incident.
If your claim is due to theft, attempted theft or vandalism you must also inform the Police
and obtain a crime reference number.
Our operators will provide every assistance to ensure the least inconvenience to You, and
through the use of Our extensive Approved Repairer network, can ensure (if Your cover is
relevant) a fast and efficient repair.
Regardless of blame it is important that you take the following action:
Stop:
Stop as soon as possible, in a safe place (if you have a warning triangle, place it well before
the obstruction).
If anybody has been injured, call the police and ambulance service.
Sketch:
Make a quick sketch of the direction and final position of each vehicle (it is worth keeping a
pen and paper in your vehicle).
Note down:
You will need to make a note of:
• The vehicle registration number, name, address and telephone number of any other
drivers involved in the accident.
• The number of passengers in each vehicle.
page 6
• The name and address of anyone who is injured (or suggesting they have been injured).
• The name, address and telephone number of any witnesses to the accident.
• The name, telephone number and constabulary of any police officer who attends the
accident.
Take a photo:
If you have a mobile phone with you and it is fitted with a camera, try and take
photographs to support the positions of the vehicles and the extent of damage.
Provide:
You must give your own details to anyone who has reasonable grounds for requesting
them.
DO NOT:
Do not admit responsibility, either verbally or in writing. Instead, ask any other person
involved in the accident to contact us on the 24 hour claims helpline number below.
By getting the other person(s) involved in the accident to ring the 24 hour helpline you
will give him/her the opportunity of obtaining our assistance in progressing repairs and
assisting with the provision of a courtesy vehicle if the circumstances of the accident
warrant this.
If for any reason you have not been able to exchange details with other drivers or owners
of property or you were in collision with an animal, you must report the accident to the
police as soon as possible and certainly within 24 hours of the accident.
Claims Procedure
You should immediately:
Call the Claims Helpline on: 0845 128 7268
You should also:
• send Us any communication You receive about the incident.
• let Us know if anyone insured under this Policy is to be prosecuted as a result of the
incident, or there is to be an inquest following a fatal accident.
We can conduct (in Your name or the name of the person claiming under the Policy) the
defence or settlement of any claim or take proceedings for Our own benefit to recover any
payment We have made under this Policy. We shall have full discretion in the conduct of
any proceedings or the settlement of any claim. The person who is seeking payment under
this Policy shall give Us all the assistance necessary in order for Us to achieve settlement. If
You fail to assist this may invalidate cover.
In the event of a claim covered by this Policy You must still pay the premium. If payment is
not made We:
page 7
• May cancel this Policy in accordance with the General Conditions Applying To The
Whole Policy section of this document and seek payment of the outstanding balance of
premium.
• May refuse to pay any claim arising from an occurrence on or after the due date of the
premium.
• Reserve the right to deduct any outstanding premium from the claim payment, if the
claim is for loss of or damage to Your Car, which is covered by this Policy.
Termination of the Policy
In the event of a claim being rejected where cover is excluded or limited by any policy
clause We reserve the right to terminate this Policy immediately.
Fraud
If any claim is in any way fraudulent or if You or anyone acting on Your behalf has used any
fraudulent means, including inflating or exaggerating the claim or submitting forged or
falsified documents, all benefits under this policy shall be forfeited
Windscreen/Glass Claims
To make a Windscreen/Glass claim, please contact the Windscreen/Glass Helpline to
arrange for replacement or repair of Your windscreen or windows. Windscreen/Glass
cover is set out in section 5 of the Policy. Please ensure You have the relevant cover before
reporting a claim.
Windscreen Helpline:
0800 999 5000 for Policies ending with MZ
0800 294 7772 for for all other Policies.
page 8
Definition of Terms
Certain words appear throughout your Motor Policy Wording, Schedule
of Insurance and Certificate of Motor Insurance and have the same
meaning wherever they are shown irrespective of its typeface or
colour.
Accessories
Parts of Your Car that are not directly related to how it works as a vehicle. This includes
radio, cassette, disc player or similar component, that forms a permanent part of Your
Vehicle.
Certificate of Motor Insurance
Legal evidence of Your Car insurance. It shows the car(s) We are insuring, who may drive
Your Car(s), what the car(s) may be used for and the Period of Insurance.
Endorsement
An extra or alternative wording that changes the Terms of Your Policy. The Endorsements
which may apply are contained within Your Policy Document and shown in Your Motor
Policy Schedule.
Excess
The amount of any claim You will have to pay if Your Car is lost, stolen or damaged.
Fire
Fire, self ignition, lightning and explosion.
Great Britain
England, Scotland and Wales.
Market value
The cost of replacing Your Car at the time of loss or damage, taking into account it’s make,
model, age, mileage and condition. This shall not exceed the estimate of value that You last
gave Us.
Motor Policy Schedule
The Motor Policy Schedule should be read in conjunction with the Policy. It provides details
of Your Car, cover, Endorsements, premium and any Excess that may apply to Your Policy.
Partner
Your husband, wife, civil partner or someone who You are living with in a long-term
permanent relationship as if You are married to them.
page 9
Period of Insurance
The period of time covered by this Policy as shown in the Motor Policy Schedule.
Policy
This Policy Document, the Motor Policy Schedule, Statement of Information and Certificate
of Motor Insurance.
Statement of Information
A record of statements that You have made and information You have confirmed to Us.
Terms
All Terms, exclusions, conditions and limits which apply to Your Policy.
Territorial Limits
Great Britain, Northern Ireland, The Isle of Man, The Channel Islands,
Theft
Theft or attempted Theft or the taking of Your Car without permission.
Track Day
When Your Car is driven on a racing track, on an airfield or at an off road event.
Trailer
Any drawbar Trailer, semi-trailer, horsebox or caravan.
United Kingdom
Great Britain, Northern Ireland, Isle of Man and The Channel Islands.
We/Us/Our
Your insurer as named in Your Motor Policy Schedule and Certificate of Motor Insurance.
You/Your
The person or persons named in Your Motor Policy Schedule, Statement of Information and
Certificate of Motor Insurance.
Your Car
Any motor car for which You have a current Certificate of Motor Insurance under this
Policy.
Young and Inexperienced Driver
A young driver is any driver under the age of 25. An inexperienced driver is 25 years of
age and over, who is licenced to drive but has not yet held a Full UK/EU licence for a full 12
months period.
page 10
General Conditions Applying To The
Whole of Your Car Insurance Policy
The following General Conditions apply to all sections within Part A of this Policy. These
describe Your responsibilities, general information and the procedures that apply in certain
situations, such as when there is a claim or the Policy is cancelled. If You do not meet the
Terms and conditions of this Policy, it could make the cover invalid or mean We may refuse
to pay all or part of Your claim.
Cancellation
You have the right to cancel Your Policy during a period of 14 days either from the day
of purchase of the contract or the day on which You receive Your Policy documentation,
whichever is the later.
For more information regarding cancellation please contact Asda Car Insurance.
You can write to Asda Car Insurance at:
Asda Car Insurance, MMT Centre, Severn Bridge, Aust Bristol BS35 4BL
or
Email [email protected]
or call our Service Team on 0844 826 9987.
To cancel, You must return Your original Certificate of Motor Insurance or provide an
electronic declaration of surrender.
Cancellation by You within the 14 day cooling off period.
If You exercise Your right to cancel during this initial 14 day period of cover and the
insurance cover has not yet commenced, You will be entitled to a full refund of the
premium paid. If the insurance cover has already commenced, and You have not made a
claim, or a claim has not been made against You then You will be entitled to a refund of the
premium paid, subject to a deduction for the time for which You have been covered, and
the charges as detailed in the Asda Car Insurance Terms of Business.
To cancel, You must return Your original Certificate of Motor Insurance or provide an
electronic declaration of surrender.
Please note the full annual premium is payable in the event of a claim and no refund will be
given.
Cancellation by You after the 14 day cooling off period.
If cover has commenced and You have not made a claim, or a claim has not been made
against You then You can still cancel Your policy. Your refund will be subject to a pro
rata deduction for the time You have been covered and paid to You after deducting a
cancellation charge, as set out in the Asda Car Insurance Terms of Business. Please note the
full annual premium is payable in the event of a claim and no refund will be given.
To exercise Your right to cancel Your Policy, You must forward Your Current Certificate of
Insurance to Asda Car Insurance or provide an electronic declaration of surrender.
page 11
Where We may cancel Your cover
We, Asda Car Insurance or other person acting for Us may cancel the policy if We have a
good reason for doing so.
Some examples of situations where We would have a good reason for cancelling Your
policy include (but are not limited to):
a) non-payment of the premium due; or
b) You have changed your vehicle during the policy to one We cannot cover; or
c) You have failed to supply requested validation documentation (such as evidence of No
Claim Discount and copies of driving licences for all named drivers).
Before We cancel Your policy We will send You seven days’ notice to either the email
address or postal address last notified to Us. You must return Your current Certificate of
Motor Insurance to Asda Car Insurance or provide an electronic declaration of surrender
within 7 days to comply with Section 147 of the Road Traffic Act 1988.
You will be entitled to a refund of the unused premium paid subject to a deduction of the
charges shown in the Asda Car Insurance Terms of Business. Please note the full annual
premium is payable in the event of a claim and no refund can be given.
Your Responsibilities
When purchasing, amending and renewing Your insurance policy, You must take reasonable
care to answer all questions honestly and to the best of Your knowledge. If You don’t
answer the questions correctly, Your policy may be cancelled or Your claim rejected or not
fully paid.
If You are unsure of Your answer to a particular question, You should make reasonable
efforts to obtain the information required to answer it correctly.
When You purchase a policy with us, we will send You a Statement of Information
confirming the information You have supplied, along with Your policy documents. Please
check this information carefully to make sure it is all correct. If You notice any inaccuracies,
please contact us to make the required amendments immediately.
You are reminded that it is an offence under the Road Traffic Act to make any false
statements or withhold any relevant information to obtain a Certificate of Motor Insurance.
Changes which may affect Your cover
You must notify Asda Car Insurance and You should let Us know if any of the details You
have given Us change, whether you believe this is relevant to us or not.
If Your circumstances change You must tell Asda Car Insurance. The list below is not
exhaustive but gives You an indication of changes You should tell us about:
• Changes made to Your Car which improve its value, performance or handling.
• Changing from a Provisional to a Full Driving Licence when passing Your practical
driving test to become a qualified driver.
• Changing Your Car.
page 12
• The car being modified from the manufacturer’s standard specification or if you intend
to change or modify it (including the addition of optional fit accessories such as
spoilers, skirts, alloy wheels etc).
• Your Car being used for a purpose not included on Your Certificate of Motor Insurance.
• You or anyone covered by this Policy being convicted of a motoring offence other than
fixed penalty parking tickets or receives a licence endorsement.
• The address where Your Car is normally kept changing.
• You or anyone covered by this Policy changing occupation.
Once You have told Us about the change We will reassess Your cover and premium. For
some changes You may need to pay an additional premium and some changes may be
unacceptable to Us.
You should keep a record of the information You give in relation to this Policy. If You fail
to take reasonable care to provide complete and accurate information to the best of Your
knowledge and belief when You take out Your insurance Policy or if You do not tell Us
about any changes, We may:
• reject Your claim
• reduce, make deductions from or pay only a proportion of Your claim
• cancel or invalidate the Policy
• void the Policy, which means to treat the Policy as though it never existed
• do a combination of the above
This insurance will only apply if:
• The person claiming has kept to all the Terms and conditions of this Policy.
• all the information is complete and has been given honestly and to the best of your
knowledge and belief.
Telephone Call Recording
For Our joint protection, telephone calls may be recorded and/or monitored.
No Claims Discount
If You do not make a claim under Your Policy, Your renewal premium will be reduced in
accordance with Our scale applicable at such time.
Windscreen/Glass claims do not affect your No Claims Discount. The No Claims Discount
is applied to the Policy premium as a whole (excluding any flat rate premium) and in the
event of a claim the discount will be reduced in accordance with Our scale applicable at
such time regardless of which vehicle was involved. We reserve the right to retain proof of
Your no claims entitlement until all payments due have been made.
No Claims Discount Protection
(Please note that this only applicable if shown on Your Motor Policy Schedule)
page 13
A Protected No Claims Discount of four or more years will not be reduced provided no
more than two partial fault, fault, Fire or Theft claims occur within any five consecutive
years. If three or more claims are made during the five year period, We will reduce the
discount you receive.
This extension only applies if referred to in Your Motor Policy Schedule, subject otherwise
to the Terms of Your Policy.
Other Insurance
If You claim for anything that is covered by any other insurance, We will only pay any
amount You cannot get back from the other insurance up to the limits of this Policy.
Care of Your Car
Your Car must be covered by a valid Department of Transport Test (MOT) Certificate if You
need one by law.
You must do all You can to protect Your Car and contents and keep Your Car in a safe and
roadworthy condition. If We ask You must let Us examine Your Car at any reasonable time.
If You do not take reasonable care of Your Car and meet any security requirements, this
Policy may no longer be valid and We may not pay any claim.
Right of Recovery
If the law of any country which the Policy covers requires us to make payments which, but
for that law, We would not otherwise have paid. You must repay the amount to Us.
If any claims or other monies are paid to You by mistake for any reason, or a claim has been
paid which We later find to be fraudulent, false or exaggerated, You must repay the amount
paid by Us.
Law Applicable To Contract
The insurance is governed by English Law.
Use of Language
Unless otherwise agreed, the contractual terms and other information relating to this
contract will be in English.
Monthly Premiums
If the premiums are paid monthly and You fail to pay an instalment when due or fail
to maintain a Direct Debit Mandate and such default is not corrected within the time
permitted by the Consumer Credit Act 1974 the whole of the outstanding balance will
become due and payable. If this sum is not paid within seven days, the insurance cover
will be cancelled. In the event of a total loss claim under this Policy, all remaining monthly
premiums for the Period of Insurance will immediately become due. We reserve the right to
deduct this amount from the claims settlement.
page 14
Important Information About
Your Car Insurance Policy
The Financial Services Compensation Scheme
If We are unable to meet Our liability under this Policy You may be entitled to
compensation from the Financial Services Compensation Scheme (FSCS). This will depend
on the circumstances of the claim. Further information about the compensation scheme
arrangements can be found on the FSCS website http://www.fscs.org.uk or by writing to:
Financial Services Compensation Scheme,
10th Floor, Beaufort House
15 St Botolph Street
London EC3A 7QU
Motor Insurance Database (MID)
Information relating to Your insurance Policy will be added to the Motor Insurance
Database (“MID”) managed by the Motor Insurers’ Bureau (“MIB”). MID and the data stored
on it may be used by certain statutory and/or authorised bodies including the Police,
the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for
purposes not limited to but including :
I. Electronic Licencing.
II. Continuous Insurance Enforcement.
III. Law enforcement (prevention, detection, apprehension and or prosecution of
offenders).
IV. The provision of government services and or other services aimed at reducing the level
and incidence of uninsured driving.
If You are involved in a road traffic incident (either in the UK, the EEA or certain other
territories), insurers and or the MIB may search the MID to obtain relevant information.
Persons (including his or her appointed representatives) pursuing a claim in respect of
a road traffic incident (including citizens of other countries) may also obtain relevant
information which is held on the MID.
It is vital that the MID holds Your correct registration number. If it is incorrectly shown on
the MID You are at risk of having Your Car seized by the Police. You can check that Your
correct registration number details are shown on the MID at www.askmid.com
Please note that the MID does not constitute proof of insurance. In order to be able to
prove that Your Car is insured You should carry Your Certificate of Motor Insurance with
You when using Your Car.
page 15
Data Protection Notice
This Data Protection notice explains how We may use Your details. It tells You about
the registers and databases that We and others have in place, which help to detect and
prevent fraudulent applications and claims, and must be shown to any party related to
the insurance. All phone calls relating to applications and claims may be monitored and
recorded and the recordings used for fraud prevention and detection, training and quality
control purposes. Your privacy is important to Us and We assure You that We will respect
Your personal information. Asda Car Insurance will share information with insurers and
We will use Your information to manage Your insurance with Us, including underwriting,
claims handling and statistical analysis. Please be aware this may include disclosing Your
information within the Brightside Insurance Services Ltd group and to any agents who
provide services on Our behalf, including those located outside the European Economic
Area. By accepting this insurance You consent to such use of Your personal data.
You should show this notice to anyone insured to drive Your Car covered under this Policy.
For more information on the Data Protection Act You may also write to the Information
Commissioners Office at Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF.
Telephone: 08456 306060 or 01625 545745 E-mail: [email protected]
Access To Your Information
You can write to Asda Car Insurance at any time to obtain details of the information held
about You. Please write to:
Data Protection Officer
Car Insurance
MMT Centre
Severn Bridge
Aust
Bristol BS35 4BL
Please quote Your name, postal address and email address along with the details of Your
requirement. Asda Car Insurance will take reasonable steps to confirm Your identity before
providing You with details of any personal information held about You.
Therefore Asda Car Insurance would be grateful if You could provide two forms of
identification such as a copy of a passport or Driving Licence and a copy of a utility bill to
confirm address. In accordance with the Data Protection Act, 1998 Asda Car Insurance are
entitled to charge £10 to cover the administration costs involved with this process. Please
make cheques payable to Brightside Insurance Services Ltd.
page 16
Fraud Prevention and Detection
If false or inaccurate information is provided and fraud is identified, details will be passed
to fraud prevention agencies. Law enforcement agencies may access and use this
information.
We and other organisations may also access and use this information to prevent fraud and
money laundering, for example, when:
I. checking details on applications for credit and credit related or other facilities.
II. managing credit and credit related accounts or facilities.
III. recovering debt.
IV. checking details on proposals and claims for all types of insurance.
V. checking details of job applicants and employees.
Please contact Asda Car Insurance if You want to receive details of the relevant fraud
prevention agencies.
We and other organisations may access and use from other countries the information
recorded by fraud prevention agencies.
Some of the registers We make use of are:
• The Claims and Underwriting Exchange (CUE). This is run by Insurance Database
Services Ltd. The CUE database is used by most UK insurers and holds details of most
motor and household insurance claims.
• Insurance Hunter. This is a central insurance anti-fraud system to which other insurers
also have access. This database is designed to combat activities such as identity Theft
and money laundering.
• The Motor Insurance Anti-Fraud and Theft Register. This central database contains
details of stolen and written off vehicles.
To protect Your interests, We will check any information provided against these registers
for completeness and accuracy. If We find that false or inaccurate information has been
given to Us, or We suspect fraud We will take action, which could result in prosecution.
You should show this notice to anyone insured to drive Your Car covered under this Policy.
Regulatory Information
The insurer of Your Policy will be clearly shown on Your Certificate of Motor Insurance as
one of the following:
Ageas Insurance Limited
Ageas House
Hampshire Corporate Park
Templars Way
Eastleigh
Hampshire
SO53 3YA
page 17
Ageas Insurance Limited is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and Prudential Regulation Authority (Firm
reference number 202039). Registered in England & Wales (No. 00354568).
AXA Insurance UK plc
5 Old Broad Street
London EC2N 1AD
AXA Insurance UK is authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and Prudential Regulation Authority. (Firm reference
number 202312). Registered in England (No. 00078950).
Highway Insurance Company Limited
Highway House,
171 Kings Road,
Brentwood,
Essex CM14 4EJ
Highway Insurance Company Limited, registered in England and Wales number 3730662, is
authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority, register number 202972.
Southern Rock Insurance Company Limited & Alwyn Insurance
Company Limited & Pinnacle Insurance plc
Southern Rock Insurance Company Limited
Eurolife Building
1 Corral Road
Gibraltar
Alwyn Insurance Company Limited
P.O. Box 1338
Grand Ocean Plaza
1st Floor
Ocean Village
Gibraltar
Pinnacle Insurance plc
Pinnacle House
A1 Barnet Way
Borehamwood
Herts WD6 2XX
Southern Rock Insurance Company Limited is authorised and regulated by the Financial
Services Commission. Registered in Gibraltar (No. 93137)
page 18
Alwyn Insurance Company Limited is authorised and regulated by the Financial Services
Commission. Registered in Gibraltar (No. 106261)
Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and the Prudential Regulation Authority
Zenith Insurance plc
Suite 846-848
Europort
Gibraltar
Zenith Insurance plc is regulated by the Gibraltar Financial Services Commission
and subject to a limited regulation by the Financial Conduct Authority in respect of
underwriting insurance business in the UK (FCA Register Number 211787).Registered in
Gibraltar (No. 84085).
General Exclusions Applying To The
Whole of Your Car Insurance Policy
These General Exclusions apply to all sections within Part A of this insurance Policy and
describe the things which are not covered. These apply as well as the exclusions shown in
each Section of Part A detailing the cover provided.
1) This Policy does not apply when any car covered by it is:
a. used for any purpose not permitted by the effective Certificate of Motor Insurance.
b. driven by or in the charge of anyone who is not described in the Certificate of Motor
Insurance as a person entitled to drive or who is excluded from driving by any
Endorsements.
c. driven by or in the charge of anyone who does not have a valid driving licence
or who is disqualified from driving or who has not held a driving licence or who
is prevented by law from holding one or who is driving outside the conditions or
limitations of their licence, particularly, but not limited to, that of being not being
accompanied by a qualified driver whilst holding a provisional licence.
d. driven by or in the charge of anyone who does not keep to the conditions of their
licence
e. used to tow, for reward, any Trailer or vehicle (or any property in the Trailer, or
vehicle).
f. used to carry passengers or goods in a way likely to affect the safe driving and
control of the car.
g. driven by, or is in the charge of any person whom Your Car has been hired.
h. involved in any incident regardless of type, be that Accident, Fire, Malicious
Damage, Theft or attempted Theft and does not have a valid MOT Certificate in
force at the time of the incident
i. used in an unsafe or unroadworthy condition or, where such regulations require,
does not have a current MOT Certificate (You may be asked to provide details to
show that Your Car was regularly maintained and kept in a good condition).
page 19
2)
3)
4)
5)
6)
7)
j. used in connection with the motor trade.
k. driven by or in the charge of anyone who does not meet all the conditions
described in the Endorsements in Your Motor Policy Schedule and all the General
Conditions Applying to the Whole Policy and any other Terms of this Policy.
l. Involved with an incident following which You, a driver described on Your Certificate
of Insurance as an insured driver, or any other person are convicted of:
• Driving with an alcohol level in excess of the legal limit;
• Driving while unfit through drink or drugs;
• Failing to provide a blood, urine or breath specimen (other than for a roadside test),
for analysis.
m. loss or damage caused maliciously or deliberately by any person driving Your Car
with Your permission or agreement.
In such circumstances we will make payments to satisfy our obligations as required
under the Road Traffic Acts, but we reserve the right to seek to recover any such
amounts from You or the driver of your car.
This Policy does not cover any loss, damage, liability, expense or bodily injury which is
directly or indirectly caused by, contributed to or arising from:
a) ionising radiations or contamination by radioactivity from any eradicated nuclear
fuel from any nuclear waste from the combustion of nuclear fuel
b) the radioactive, toxic, explosive or other hazardous properties of any explosive
nuclear assembly or nuclear component of it
c) carrying any dangerous substances or goods
Except to the extent that We are liable under the Road Traffic Acts, this Policy does not
cover any consequence whatsoever resulting directly or indirectly from or in connection
with any of the following regardless of any other contributory cause or event:
(i) Terrorism, war, invasion, act of foreign enemy, hostilities or warlike operation
or operations (whether war be declared or not), civil war, rebellion, revolution,
insurrection, civil commotion assuming the proportions of or amounting to an
uprising, military or usurped power
(ii)any action taken in controlling, preventing, suppressing or in any way relating to (i)
above
This Policy does not cover death of or bodily injury to any person or damage to any
property which is directly or indirectly caused by pollution or contamination, unless this
pollution or contamination is directly caused by an incident which occurs in its entirety
at a specific time and place during the Period of Insurance and is sudden, identifiable,
unintended and unexpected. We will consider the pollution or contamination to have
happened at the time the incident took place
We will not pay the claim and all premiums and cover under the Policy is forfeited if You
or anyone acting for You makes a claim under the Policy knowing the claim to be false,
fraudulently inflated or supported by fraudulent documents or if the loss, damage or
injury is caused by Your wilful act or with Your support
This Policy does not apply when any car covered by it is towing more than one Trailer
at any one time
Loss or damage arising, during or in consequence of:
a)earthquake
page 20
b) riot or civil commotion occurring elsewhere than in Great Britain, Isle of Man or The
Channel Islands
Except as required by any Road Traffic Act
8) Loss or damage directly occasioned by pressure waves caused by aircraft or other
aerial devices travelling at sonic or supersonic speed
9) This Policy does not provide cover for any accident, injury, damage, loss, or any liability
of whatsoever nature while Your Car is in or on that part of an aerodrome, airport,
airfield or military base provided for:
a) the take off or landing of aircraft and/or the movement of aircraft on the surface
b) aircraft parking aprons including the associated service roads refuelling areas and
ground equipment parking areas
10)Racing of any description or for racing formally or informally against another motorist,
or being used in any contest, competition, pace-making, rallies, trials or tests either on a
road, track or at an off road or 4*4 event (apart from treasure hunts).
11) Your Car whilst being used on any form of Track Day
12)Any liability that You have agreed to accept unless You would have had that liability
anyway.
13)Any decision or action of a court which is not within the Territorial Limits is not covered
by this Policy unless the proceedings are brought or a judgement is given in a foreign
court because Your Car was used in that Country and We had agreed to cover it there
14)This Policy does not provide cover for use of any description on footpaths, bridleways
or restricted byways and ONLY provides cover to meet the minimum insurance
requirements under the Road Traffic Act for vehicular use on a byway open to traffic.
15)Any loss, damage or liability if Your permanent place of residence is not within the
Territorial Limits.
16)loss or damage caused maliciously or deliberately by any person driving Your Car with
Your permission, agreement or support.
Nothing in this Policy will affect the right of any person Indemnified or of any other person
to recover an amount under or by virtue of the provisions of the law of any country in
which this Policy operates relating to the insurance of liability to third parties. However, You
will have to repay to Us all sums which We have paid but would not otherwise have paid
had the provisions of the laws of such countries not applied.
page 21
Section 1. Loss And Damage
Loss of or Damage to Your Car, Accessories or Spare Parts
In the event of damage to Your Car resulting from Accident, Fire or Theft We will either:
• Repair the damage
• Replace what is lost or damaged beyond economical repair
• Pay the cost of the loss or damage at our discretion.
The most We will pay is the Market Value of Your Car, Accessories (subject to Policy
limitations) and spare parts at the time of the loss or damage. We will not pay more than
the amount for which You insured them. If, to Our knowledge, Your Car is subject to a hire
purchase, finance or leasing agreement, any payment will be made to the owner described
in that agreement whose receipt will be a full and final discharge to Us.
If a replacement for any damaged accessory or part of Your Car is not available We will
pay the value of the accessory or part at the time of the loss. We will not pay more than
the manufacturer’s last quoted list price in the United Kingdom for the accessory or part. If
such a list is not available the most We will pay is the manufacturer’s last quoted list price
in the United Kingdom for an equivalent accessory or part. We may use Accessories or
parts, which are not made or supplied by the manufacturer of Your Car but are of a similar
type and quality to the parts We are replacing. We reserve the right to replace any parts
with a part that is standard to the manufacture of the Car. If Your Car has been modified
and this has not been disclosed to Us when taking out cover Your claim may be rejected
and this Policy invalidated. We will not be responsible for additional storage costs caused
by the unavailability of an accessory or spare part nor the cost of importation of any
accessory or part into the United Kingdom.
If Your Car cannot be driven because of the loss or damage covered under this Policy We
will pay the reasonable cost of protecting Your Car and taking it to the nearest competent
repairer. After it has been repaired We will pay the reasonable cost of delivering it to Your
address in the United Kingdom. We will retain at Our discretion, the right to the salvage
of a vehicle following a total loss for disposal in accordance with the Association of British
Insurers Codes of Practice.
Get You To Your Destination
Following an accident, theft, attempted theft, fire, or vandalism that leaves Your vehicle
undriveable, We will arrange and reimburse You for:
(a)the cost of transporting You, Your vehicle and any passengers to a destination within
the territorial limit provided that the Person(s) are transported to the same destination;
or
page 22
(b)the cost of transporting the Insured Person(s) to a hotel. You will have to pay for the
cost of this, and the hotel costs; but We will reimburse You up to £50 per person per
night for accommodation. The most We will pay for transport to the hotel and the cost
of hotel accommodation is £500 for any one incident. You must pay the hotel bill, but
We will pay You back on receipt of the relevant bill(s) subject to the £500 limit for any
one incident; but You must also have claimed under Your motor policy.
In-Car Entertainment, Communication
and Navigation Equipment
This Policy will cover the loss of or damage to any radio, cassette, disc player or similar
apparatus and component parts and is limited to the maximum payable (shown below)
upon any one occasion when loss or damage occurs. This cover applies only to equipment
permanently fitted to Your Car.
Comprehensive£750
Third Party Fire and Theft £500
The cover levels shown are prior to deduction of the applicable Policy Excess.
Portable items (such as radar detection equipment, personal digital assistants or portable
GPS navigators), cassette tapes, compact discs or DVDs are not covered under this section.
Provision of a Courtesy Car
This section applies only if the cover shown on your Policy Schedule is Comprehensive
What is covered
If a valid claim is made under this policy, and the insured vehicle is to be repaired by one
of our approved repairers, the repairer will provide you with a courtesy car (subject to
availability) for the duration of the repairs.
If the parts required to repair the insured vehicle are not immediately available to our
approved repairer we reserve the right to withhold the provision of a courtesy car until
such time as the necessary parts are available and repair work can proceed.
If the insured vehicle is accepted by our approved repairer as being a repairable
proposition, but it is subsequently deemed by us to be beyond economical repair, we
reserve the right to withdraw the courtesy car immediately.
The courtesy car can only be provided subject to availability and will be supplied subject to
our approved repairer’s standard terms and conditions, for use in the United Kingdom only.
Our aim is to keep you mobile rather than the courtesy car being a replacement for the
insured vehicle in terms of status or performance. The courtesy car will normally be a small
hatchback of less than 1200cc.
While you are in possession of the courtesy car, cover for loss of or damage to the car will
be provided by this policy in accordance with its terms, endorsements and conditions,
page 23
including excesses for which you will be responsible. We will not make a charge for this
cover.
Any accidents or losses while you are in possession of the courtesy car must be reported to
us immediately, and may affect your No Claim Discount.
Driving of the courtesy car will be limited solely to those persons named on your certificate
of motor insurance, and the use of the car will be restricted to the use described on that
certificate.
You are not required to inform us when you are supplied with a courtesy car from our
approved repairer.
You must return the courtesy car to our approved repairer either when we ask you to do so
or if this insurance falls due for renewal and you fail to renew it with us.
Excess
For full details of any Excesses which may apply to a particular claim, refer to the
Endorsements shown in this Policy and referred to in the Motor Policy Schedule. Please
note that any claim accepted under this Policy for malicious damage would be classed as a
fault claim and the Excess payable will be shown as E1 Own Damage Excess as specified in
the Motor Policy Schedule.
Young/Inexperienced Drivers
Any driver under the age of 25, or any drivers 25 years of age and over who are licenced to
drive but have not yet held a Full UK/EU licence for a full 12 months period.
The standard Policy Excess is stated on Your attached Schedule. If Your Vehicle or any of
its Accessories or spare parts are damaged whilst Your Vehicle is being driven by, or in
the charge of a person who is young or inexperienced, You will have to pay the additional
excess shown below towards any claim.
Additional Excess
Inexperienced driver aged 25yrs and over
£100
Young driver aged 21-24yrs (Inclusive)
£150
Young driver 17-20yrs (Inclusive)
£250
You will not have to pay the amounts shown above if the loss or damage is caused by Fire
or Theft as a standard Fire & Theft Excess of £100 applies.
page 24
What is not Covered
We will NOT pay for any of the following:
1) depreciation, wear and tear, mechanical, electrical and electronic breakdowns or
failures, or equipment or computer malfunctions
2) loss of use or value of Your Car
3) damage to tyres by application of brakes or by punctures, cuts or bursts
4) loss where property is obtained or attempted to be obtained by any person using
any form of payment which proves to be counterfeit, false, fraudulent, invalid, uncollectable, irrecoverable or irredeemable for any reason
5) loss resulting from repossession of Your Car or return to its rightful owner
6) loss of or damage to Your Car caused by a member of Your immediate family, or a
person living in Your home, taking Your Car without Your permission
7) loss of or damage to Your Car or Accessories while You are not in the car arising from
Theft or attempted Theft, malicious damage and vandalism when:
• ignition keys have been left in or on Your Car; or
• Your Car has not been secured by means of door and boot lock; or
• any window or any form of sliding or removable roof or hood have been left open or
unlocked; or
• Your Car is fitted with a manufacturer’s standard security device and the device is
not operational or is not in use,
8) loss or damage to portable devices e.g. telephone, communication, navigation, radar
equipment or loss or damage to television/games equipment of any kind
9) any increase in damage as a result of Your Car being moved under its own power
following an Incident, Fire or Theft, unless Your Car is causing an obstruction
10)damage caused by frost or freezing
11) that part of the cost of any repair or replacement which improves Your Car beyond its
condition immediately before the loss or damage occurred
12)any loss or damage whilst You, anyone insured under Your Policy, or anyone You give
authority to, undertakes any form of repairs or improvements to Your Car who is not
qualified to do so
13)loss or Theft of keys or similar device, remote controls or security devices and in any of
these events the replacement of locks
14)loss or damage to any Trailer whether or not it is being towed by or attached to Your
Car
15)loss or damage caused by an inappropriate type or grade of fuel being used
16)any amount above the cost (or in the case of a vehicle of foreign manufacture
the sterling equivalent of the cost) of any parts or Accessories according to the
manufacturer’s last published list price plus the reasonable cost of fitting
17)any loss or damage whilst being parked by an employee of a hotel or restaurant or car
parking service
18)loss of or damage to Your Car arising from confiscation or requisition or destruction by
or under order of any Government or Public or Local Authority
19)loss of or damage to Accessories and spare parts by Theft if Your Car is not stolen at
the same time
page 25
20)loss of Your Car through deception by someone who claims to be a buyer
21)any storage charges unless You tell Us about them and We agree in writing to pay for
them
22)any loss of any kind directly or indirectly arising from the provision of, or delay in
providing, the services to which this Policy relates, unless negligence on Our part can
be demonstrated. An example of this would be the loss of wages as a result of an
insured incident.
23)Personal Belongings that are not Accessories.
24)any loss or damage up to the amount of the Excess that appears in Your Motor Policy
Schedule or elsewhere in this policy document.
Section 2. Liability To Third Parties
Cover Provided for You
• This Policy covers You for all You legally have to pay for the death of or personal injury
to any person as a result of an incident involving Your Car
• Damage to any property as a result of an incident involving Your Car for up to
£20,000,000 and for costs and expenses incurred up to £5,000,000. This cover applies
to any one event or any series of incidents resulting from one event.
Driving Other Cars
If Your current Certificate of Motor Insurance includes driving other Cars, this Policy
provides the same cover as Section 2 ‘Cover Provided for You’ above, when You are
driving any other car. Note that there is no cover for loss or damage to that other Car. This
extension of cover is not available to use of a car derived van, van, motorcycle or any other
motor vehicle that is not a private motor car.
This cover only applies if:
• The person driving is the policyholder
• The Policyholder is 25 years of age or over at the time of inception or renewal of this
Policy
• You do not own or have not hired the car under a lease, finance or hire purchase
agreement
• You are still in possession of the car insured under this Policy and it is not reported
stolen or written off
• You are not a firm or company
• The car is being used within the “limitations of use” shown in Your current Certificate of
Motor Insurance
• There is a current and valid Policy of insurance in force for the car being driven under
this section of the Policy
• You are not entitled to make a claim for damage under any other insurance Policy
• You have the owner’s permission to drive the car
• The car is being driven within the United Kingdom, Isle of Man or The Channel Islands
page 26
• The car being driven is registered within the United Kingdom, Isle of Man or The
Channel Islands
• The car has not been seized by, or on behalf of, any government or public authority
Exclusions to Driving Other Cars:
• Use of a car derived van, van, motorcycle or any other motor vehicle that is not a
private motor car
• This extension of cover is not available to any driver other than the policyholder
Cover provided for Other People
We will give the following people the same insurance cover We give You:
• Anyone You allow to drive Your Car who is named to drive it under the Certificate of
Motor Insurance and is not excluded by an Endorsement.
• Anyone You allow to use, but not drive, Your Car for social, domestic and pleasure
purposes.
• Any passenger travelling in or getting out of Your Car.
Your Legally Appointed Representatives
If anyone insured under this Policy dies, We will transfer to their estate the protection We
provide under this Policy.
Legal Fees and Expenses
If We give Our prior written agreement, We will pay the fees of the legal representatives
We instruct to:
(a)Represent anyone insured under this Policy at any Coroner’s Inquest or Fatal Accident
Inquiry and to defend proceedings in a Court of Summary Jurisdiction for any incident
which might give rise to a claim under part (b) below.
(b)Defend anyone insured under this Policy if legal proceedings are taken against that
person for manslaughter or causing death by reckless driving.
This cover for legal fees and expenses only applies if:
• You ask Us to provide the cover and We agree to provide it.
• The death or deaths giving rise to the proceedings are caused by an incident covered
by this Policy.
What is not covered
The cover under this section will not apply:
• for loss or damage to property belonging to or in the custody or control of any person
insured under this part of the Policy
• to liability for the death of or bodily injury to any person out of their employment by
any person insured under this Policy except as required by any Road Traffic Act
• in respect of damage to any car in connection with which Indemnity is provided by this
section
• to loss of or damage to any Trailer You tow
page 27
• to any liability, injury, loss or damage resulting from anything sold, transported or
supplied by You or on Your behalf
Section 3. Medical Expenses
If You, Your driver or any of Your passengers are injured in an incident involving Your Car,
We will pay the medical expenses of up to £100 for each insured person.
Section 4. Emergency
Medical Treatment
We will pay for emergency treatment as required under the Road Traffic Acts. Any
payment made under this section will not affect Your No Claims Discount.
Section 5. Windscreen/Glass Cover
We will pay for a broken or damaged windscreen or windows in Your Car and scratching of
the bodywork caused by them breaking.
You will pay £75 (the Excess) towards each claim for a broken windscreen or windows. If
the damage is repairable and does not require a replacement windscreen or window, then
the Excess does not apply.
Provided You contact the Windscreen/Glass Help Line to arrange for replacement or
repair of Your windscreen or windows, the cover supplied by this Policy will be unlimited.
However, if any other repairer is used then cover will be restricted to £100.00 less the
standard Excess.
Any payment under Section 5 solely for the breakage of Your windscreen or windows shall
not affect any entitlements to No Claims Discount.
What is not covered
We will NOT pay for any of the following:
• any damage to sun roofs, roof panels, convertible roofs, lights or reflectors whether
glass or plastic
• any amount greater than the Market Value of Your Car at the time of the incident
• any incidents due to mechanical failure of automatic or manual sun roofs, roof panels or
convertible roofs
• any incident, loss or damage whilst Your Car is being driven outside the Territorial
Limits, claims for these incidents shall be dealt with under Policy Section 1 and may be
subject to an accidental damage excess as detailed in Your Motor Policy Schedule
page 28
• where Policy cover is upgraded to Comprehensive following a change to the insured
car during the term of the Policy, all benefits under Section 5 Windscreen & Glass Cover
remain excluded
No claims can be made under this section of the Policy for acts of malicious damage or
vandalism, claims for these incidents shall be dealt with under Policy Section 1.
Windscreen/Glass Claim Helpline Numbers
0800 999 5000 for Policies ending with MZ
0800 294 7772 for all other Policies
Section 6. Foreign Travel
European Union Compulsory Insurance
In compliance with European Union (EU) directives the insurance provided by this Policy
will allow the minimum cover required to use Your Car in:
a) any other member country of the European Union;
b) any other country outside of the European Union which has agreed to follow European
Directives approved by the commission of the European Union.
Countries include:
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia,
Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy
(including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the
Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Slovakia, Slovenia,
Spain, Sweden and Switzerland (including Liechtenstein).
International Motor Insurance Card (Green Card)
All countries mentioned under European Union Compulsory Insurance have agreed that a
Green Card is no longer necessary for cross border travel.
Your Policy, Motor Policy Schedule and Certificate of Motor Insurance will therefore provide
sufficient evidence that You are complying with the laws relating to compulsory motor
insurance in any of these countries that You visit.
Foreign Use
In addition to this minimum cover the insurance provides the cover shown in Your Motor
Policy Schedule in any country referred to above, subject to Your permanent place of
residence being within the UK, Isle of Man or The Channel Islands. This extension is
provided for the purpose of travel only.
Cover under this section includes:
• Transit by road, sea or rail in or between countries referred to above
• If Your Car is not fit to drive and is in or between countries referred to above
and providing You have loss or damage covered under this Policy and We agree
beforehand, We will reimburse any customs duty You may have to pay
page 29
What is Not Covered
• driving other cars. If Your Certificate of Motor Insurance allows the Policyholder to drive
any other car, that cover does not apply outside of the UK, Isle of Man or The Channel
Islands
• any loss, damage or liability when Your Car is taken outside of the UK, Isle of Man or
The Channel Islands for any reason other than a temporary visit for social, domestic and
pleasure purposes
• any loss, damage or liability if Your permanent place of residence is not within the UK,
Isle of Man or The Channel Islands
• any decision or action of a court which is not within the UK, Isle of Man or The Channel
Islands is not covered by this Policy unless the proceedings are brought or a judgement
is given in a foreign court because Your Car was used in that Country and We had
agreed to cover it there.
• any loss, damage or liability if Your Car is being used for commuting or in any business
capacity
Section 7. Servicing or Repair
Your cover will continue to apply to Your Car when it is in the possession of the motor
trade for overhaul, upkeep, service or repair unless any other insurance operates.
At these times the driving and usage limitations set out in Your Certificate of Motor
Insurance will not apply, providing the car is worked on by a motor trader or their
employees.
Section 8. Personal Belongings
We will pay up to a maximum of £150 for loss or damage to personal belongings carried in
or on Your Car caused by Fire, Theft or accidental means.
Additional Benefit
We will also cover the cost of replacing children’s car seats and booster seats up to a
maximum amount of £100 if Your Car is involved in an incident, damaged by Fire or Theft,
or stolen and not recovered, even if there is no apparent damage.
What is Not Covered
We shall not be liable for loss of or damage to the contents of Your Car including but not
limited to:
• money, stamps, tickets, documents, securities, lottery tickets, raffle tickets, promotional
vouchers or Air Miles vouchers
• goods, tools or samples carried in connection with any trade or profession
page 30
• property that is covered under any other Policy
• tapes, cassettes, compact and mini discs, DVD’s, citizen band radios, phones or phone
equipment
• Theft of personal belongings if carried in an open top or convertible car unless
contained in a locked boot
• loss or damage of personal belongings arising from Theft while the ignition key or
similar device has not been removed or all doors, windows and other openings have not
been closed and locked whilst Your Car is left unattended
Section 9. Personal Accident
If You or Your Partner suffer accidental bodily injury in direct connection with Your Car
or while travelling in or getting into or out of any other car and the injury is the cause of
death, loss of, or permanent and total loss of use of, one or more limbs at or above the
elbow or knee, permanent blindness in one or both eyes.
Payment will only be made if the injury, independently of any other cause and within 3
months of the accident, results in:
Amount we will pay for each insured person
Death
£5,000
Complete and permanent loss of sight of one or both eyes
£2,000
Complete and permanent loss of one or more limbs
£2,000
The most We will pay is £5000 in any one period of insurance regardless of the number of
persons injured or the types of injury sustained.
What is Not Covered
We will not pay the benefit if:
• You do not have cover under this Section
• the death or bodily injury is caused by suicide or attempted suicide, any intentional
self-injury or by drugs, alcohol or any other substance taken or inhaled
• the injured person is less than 21 years of age or 75 years old and over
• death, loss of eyes or limbs arises more than three months after the event leading
directly to the condition
• the death or bodily injury is caused by disease, physical sickness or disability
• anyone fails to keep to the law regarding the use of seat belts
page 31
Service Standards
How to make a complaint
It is our intention to provide you with a high level of service at all times. In the unlikely
event that you should have cause for complaint, please write to the Quality Manager at the
following address:
The Quality Manager
Asda Car Insurance Service Team
MMT Centre
Severn Bridge
Aust
Bristol BS35 4BL
Alternatively you can contact Asda Car Insurance by email:
[email protected]
We will acknowledge receipt of your complaint in writing promptly and provide you with a
timescale for a full response. We will endeavour to provide you with a final response within
8 weeks.
Full details of our complaints handling procedures are available upon request.
Taking Your Complaint Further
If you remain dissatisfied with our response to your complaint you may be able to refer the
matter to the Financial Ombudsman Service. To use their service you must be eligible and
your complaint must be sent to them within 6 months of our final response letter. You may
contact them at:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London E14 9SR
Tel: 0800 023 4567 (from a landline) or 0300 123 9 123 (from a mobile)
Email: [email protected]
Website: www.financial-ombudsman.org.uk
Customer comments
To ensure that We provide the kind of service You expect We welcome Your feedback
in order that We can improve Our products and services. If You have any comments
or suggestions about Our cover, services or any other feedback please email:
[email protected].
page 32
Part B – Your Motor Legal
Protection Insurance Policy
This is your legal expenses insurance policy. It is administered by Carpenters Solicitors and
underwritten by Markerstudy Insurance Company Limited. It is only valid if Part A your
motor insurance policy is in force. Cover under this legal expenses insurance policy will
cease when the your motor insurance policy expires or is cancelled.
It describes the contract between you and Markerstudy Insurance Company Limited,
and in return for the premium, cover is provided for the period of insurance under the
terms set out in your policy. This policy gives you the details of what your legal expenses
insurance does and does not cover. Please read this document carefully to avoid any
misunderstandings. Please pay special attention to those pages describing the Conditions
and Exceptions which apply to your whole policy.
Unless specifically agreed otherwise, this insurance shall be subject to English Law.
The terms and conditions of this policy and all other information concerning this insurance
are communicated to you in the English language and both the underwriters and
administrators undertake to communicate in this language for the duration of the policy.
Regulatory Information
Markerstudy Insurance Company Limited are regulated by the Gibraltar Financial Services
Commission and subject to a limited regulation by the Financial Conduct Authority in
respect of underwriting insurance business in the UK (Number 206322).
This policy is covered by the UK Financial Services Compensation Scheme. If we cannot
meet our obligations under the policy you may be entitled to compensation under the
scheme. Further information about compensation scheme arrangements is available from
the FSCS
(www.fscs.org.uk or telephone 0207 741 4100)
Markerstudy Insurance Company Limited is a member of the Association of British Insurers.
This Motor Legal Protection Insurance policy is administered by Carpenters Solicitors.
Carpenters Solicitors are authorised and regulated by the Financial Conduct Authority
(FCA) under firm reference number 589305. You may check this on the Financial Services
Register by visiting the FCA’s website, www.fca.org/register or by contacting the FCA on
0800 111 6768.
All correspondence relating to any claim under this policy should be addressed to
Carpenters Solicitors, Leonard House, Scotts Quays, Birkenhead, CH41 1FB.
page 33
Definitions
Each of the words or phrases listed below will have the same meaning wherever they
appear in bold in this policy:Administrator: Carpenters Solicitors, Leonard House, Scotts Quays, Birkenhead, CH41 1FB.
Appointed Solicitor: D B Legal Ltd, Chester House, Harlands Road, Haywards Heath, West
Sussex, RH16 1LR or Carpenters Solicitors, Leonard House, Scotts Quays, Birkenhead, CH41
1FB or any other appropriately qualified lawyer, legal representative or specialist consultant
appointed by the underwriters to act on your behalf.
Defendant: The person, company or partnership that you allege is responsible for the
insured Incident.
Insurance intermediary: The intermediary acting on your behalf as your agent who
arranged the underlying policy of motor insurance taken out by you.
Insured, You, Your: The person to whom this insurance has been issued and who has paid
or promised to pay the premium. For this Legal Protection Insurance Policy to be valid you
must be named as the policyholder on the underlying policy of motor insurance.
Insured Incident: Any road traffic accident (excluding claims for theft or fire) which results
in damage to the Insured Vehicle or damage to any personal property owned by you
whilst in or on the insured vehicle or any injury to or death sustained by you whilst in on or
mounting onto or dismounting from the insured vehicle.
Insured Vehicle: The motorcar, motorcycle or commercial vehicle specified in the
underlying policy of motor insurance taken out by you and any replacement vehicle the
underwriters arrange for you whilst the insured vehicle is being repaired after you have
claimed under this policy. Any other vehicle which the certificate of motor insurance
issued in connection with the underlying policy of motor insurance allows you to use in
the United Kingdom. Any trailer owned by you whether attached to or detached from the
insured vehicle.
Legal Costs and Expenses: Reasonable legal fees and other expenses charged to you
by the appointed solicitor (with the prior agreement of the underwriters) for any legal
proceedings. Also costs which a civil court has ordered you to pay or to which the
underwriters have agreed.
Legal proceedings: Civil proceedings arising out of a road traffic accident.
Limit of Indemnity: The maximum sum that the underwriters will pay in aggregate
in respect of all legal costs and expenses incurred by the appointed solicitor or the
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defendant in relation to the prosecution of a claim which is covered by this insurance.
Subject always to a maximum indemnity of £100,000.
Period of Insurance: The period commencing from when the insured pays or promises to
pay the premium to the insurance intermediary, to the expiry date of the underlying policy
of motor insurance in force in respect of the Insured Vehicle which in no circumstances
will exceed 12 months.
Prospects of Success: Reasonable prospects considered as a 51% or better chance of
success.
Territorial Limits: The United Kingdom, the Channel Islands, the Isle of Man and provided
that the Insured has complied with the requirements for extending full policy cover abroad
under the underlying policy of motor insurance, any member country of the EU, Andorra,
Gibraltar, Iceland, Liechtenstein, Monaco, Norway, San Marino and Switzerland.
Underlying Policy of Motor Insurance: The separate motor insurance policy in your name
covering the insured vehicle. Cover is only effective under this legal expenses insurance
policy whilst the underlying policy of motor insurance remains in force.
Underwriters: Markerstudy Insurance Company Limited.
Uninsured losses: Expenses or compensation claims (or both) which are not covered by
your underlying policy of motor insurance but for which you have a claim at law against
the responsible party.
What is covered
Uninsured Loss recovery
In the event that you make a claim under your underlying policy of motor insurance in
respect of an insured incident in which you are involved and the insured incident is one
for which you are not at fault, the underwriters will instruct the appointed solicitor to
try to recover your uninsured losses (including the legal costs and expenses incurred by
you in claiming those losses). This Motor Legal Expenses Insurance Policy will only apply
provided the underwriters and the appointed solicitor are of the view that the prospects
of success are sufficiently strong to justify pursuing your claim for uninsured losses against
a defendant.
If the underwriters have paid for any legal costs and expenses and you are later awarded
repayment of costs in any claim, the underwriters will be entitled to reimbursement of
those costs.
The underwriters will instruct the appointed solicitor in accordance with their standard
terms of appointment to act in your name and for your benefit. The most the underwriters
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will pay for legal costs and expenses for all claims that arise from the same insured
incident is the limit of indemnity applying to this policy.
Access to our 24 hour Motor Legal Helpline
The motor legal helpline is provided on behalf of the underwriters by Carpenters Solicitors
and is available 24 hours a day to assist with queries in relation to your use of the Insured
Vehicle. You should call 0161 444 1930 where the solicitor’s representative will assist
where possible, and arrange a call back from an appropriate legal advisor within two
working days of your telephone call where required.
The motor legal helpline will provide preliminary advice and guidance. It will not undertake
any communication or correspondence on your behalf, provide written advice, or provide
any formal legal advice or representation.
Cover under this insurance is subject to:
a)You having paid or promised to pay the premium.
b) The insured Incident having taken place within the territorial limits and within the
period of insurance.
c)You having complied with all of the terms and conditions of this policy.
General Conditions
1. Control of claims
The underwriters and the appointed solicitor will have control of any claim. You must:
a) keep the underwriters informed via the administrator of any developments relating to
any claim as soon as possible after you find out about them, and
b) follow the advice, given to you by the underwriters and/or the appointed solicitor, and
c) not start, defend, stop or withdraw from legal proceedings without the agreement of
the underwriters and/or the appointed solicitor, and
d) give the underwriters and/or the appointed solicitor information and instructions as
requested.
The underwriters will have direct access to the appointed solicitor at all times. The
underwriters have the right to see any information, documents or evidence that is in your
possession or is in the possession of the appointed solicitor.
If in any legal proceedings the claim is not successful and you want to appeal, you must
write and tell the underwriters and the appointed solicitor no later than 14 days before the
time for making an appeal ends or as soon as possible if the time period during which you
may make an appeal is 14 days or less. The underwriters will cover your and/or the costs
and expenses for the appeal if the underwriters and the appointed solicitor agree that
there are reasonable prospects of success in pursuing the appeal.
The underwriters can take over conduct of any claim at any time in your name.
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The underwriters can issue legal proceedings for the underwriters benefit in your name to
recover any payments that have been made under this insurance.
2. Claims Procedures
You must:
a) report all claims to the underwriters via the administrator as soon as is reasonably
possible but at the very latest within 30 days of the happening of an insured incident
or alternatively using the 24 Hour Claims Helpline shown in your motor policy when
reporting the incident under your underlying policy of motor insurance, and
b) take all reasonable steps to minimize the amount of any claim to be pursued against
the defendant, and
c) cooperate with the underwriters at all times, supply any information required and
forward unanswered all communications received in connection with an insured
incident, and
d) cooperate fully with the underwriters to assist in the recovery of legal costs and
expenses that they have had to pay on your behalf and that have been reasonably
incurred in connection with the pursuit of the claim.
Please see the contact details for reporting a claim at the end of Part B of this booklet.
3. Reasonable Prospects of Success
The appointed solicitors will try to recover your uninsured losses and the underwriters will
pay your legal costs and expenses provided the underwriters and the appointed solicitor
are of the view that it is more likely than not that the claim or the legal proceedings will
mean you will receive money by way of compensation.
If at any time the underwriters or the appointed solicitor think that either:
a) the claim or the legal proceedings do not have reasonable prospects of success; or
b)the legal costs and expenses involved in recovering your uninsured losses are not
reasonably commensurate with the likely return
the underwriters will confirm this in writing to you. The underwriters will tell you that
they will not take any more action or pay any more legal expenses, without their written
agreement, from 28 days after you receive the notice.
In this event you have a right to continue the claim or legal proceedings but this will be at
your own expense.
4. Representation
When you have told the underwriters about a claim they may investigate the claim
and attempt to achieve a fair settlement, using the appointed solicitor if they think it is
necessary.
Use of the appointed solicitor will be in accordance with the underwriters’ standard terms
and conditions. The appointed solicitor will act in your name for your benefit.
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Alternatively, you may nominate a solicitor of your own choice. This person must be an
appropriately qualified lawyer, legal representative or specialist consultant and
• he/she must submit full details of his/her experience and expertise to the underwriters;
and
• he/she must agree to work in accordance with the underwriters standard terms and
conditions for solicitors
before the underwriters can agree to his/her involvement in the claim and accept such
person as the appointed solicitor under this policy.
In the event that the underwriters cannot agree such nomination the underwriters, you will
have the right to refer the matter for arbitration as set out in condition 9 of this insurance.
The underwriters will not be responsible for any legal costs and expenses if you appoint a
solicitor without the underwriters’ agreement.
5. Legal costs and expenses
The amount of legal costs and expenses the underwriters will pay will be assessed under
the same principles as applied by the courts when assessing costs to be paid by one
person to another on the standard basis. These are defined in England and Wales under
Order 62 of the Rules of the Supreme Court (from time to time), under Order 38 of the
County Courts Act 1984 and under the Civil Procedures Rules 1998.
You or the appointed solicitor must send all accounts for legal costs and expenses to the
underwriters as soon as possible after they are received. The underwriters may ask the
appointed solicitor to have the legal costs and expenses assessed (detailed or summary),
taxed or audited. The legal costs and expenses that the underwriters will pay will not be
affected by any agreement, or promise made by you to any solicitor or other person unless
the underwriters have approved it in writing.
6. Settlement offers
You must not accept any offer of payment or enter into settlement negotiations without
the express agreement of the administrator or the underwriters.
You must tell the underwriters as soon as possible of any offer to settle the claim (this
includes any payment into court). You or your solicitor must not accept or make any
offer to settle the claim if this would mean the underwriters have to pay legal costs and
expenses, unless you have the agreement of the underwriters. The underwriters will not
withhold agreement unreasonably.
If either the underwriters or the appointed solicitor are of the view that any offer to settle
the claim should be accepted, but you do not accept such offer and the amount of the
offer is equal to or greater than the total damages which you are eventually awarded, the
underwriters will not pay for any further legal expenses from the date of the offer.
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7. Options to pay
The underwriters may decide to pay your claim for compensation instead of continuing to
pursue the claim against the defendant or to pursue legal proceedings.
8. Conflict of interest
If at any time during the course of the claim, the underwriters become aware of any
possible conflict of interest, the underwriters will tell you about it in writing and engage an
alternative appointed solicitor on your behalf.
9. Arbitration
You have the right to refer any disagreement you have with the underwriters to arbitration.
The underwriters also have the same right. The arbitrator will be a solicitor or barrister you
and the underwriters agree on. If you and the underwriters cannot agree, the President of
a suitable organisation will be asked to choose one. Whoever loses the arbitration will pay
all the costs and expenses of the arbitration. If the arbitrator decides in your favour, you
cannot recover the costs of the arbitration under this section. The underwriters will write to
you telling you of this right if there is disagreement about anything. You must write and tell
the underwriters if you want to take up this option. Using the arbitration procedure does
not prevent you from referring the matter to the Financial Ombudsman Service or the right
to appeal against the arbitrator’s decision in a court of law.
10. Cancellation
This insurance provides you with a reflection period to enable you to decide whether you
wish to continue with the full policy.
The reflection period is for 14 days from the date that you receive your policy
documentation. If a period of less than 14 days has elapsed since you received your policy
documentation and you have not made a claim you have the right to cancel the policy and
receive a full refund of premium. You must write to your insurance intermediary within the
14 day period before the underwriters can proceed with the cancellation on this basis.
You may cancel this policy at any time by writing to your insurance intermediary. Outside
of the 14 day reflection period there will be no refund of premium allowable if you cancel
your insurance.
The underwriters or your insurance intermediary may cancel this policy if by sending you
a letter giving you 7 days’ notice to your last known address. The underwriters will then
refund the appropriate proportion of the premium.
11. Your obligations
a) You must adhere to the terms and conditions of this insurance at all times.
b) It is a condition of this insurance and the underlying policy of motor insurance that you
have taken all reasonable care to answer all questions asked honestly, accurately and to
the best of your knowledge and that any other information given either verbally or in
writing by you or on your behalf at the time you applied for insurance is also complete
and has been given honestly and to the best of your knowledge and belief.
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c)If you make any claim under this policy which is fraudulent or false or misleading or
where there is collusion between you and the defendant or any witnesses this policy
shall be declared void.
General Exceptions
What is not covered
This insurance does not cover the following:
1) Any claim if you tell the underwriters about the insured incident more than 30 days
after it happened.
2) Any claim if the insured incident happened before cover under this policy started.
3)Any legal costs and expenses incurred by you before the underwriters instruct an
appointed solicitor to act on your behalf.
4)Any legal costs and expenses charged as a result of your conduct which may
reasonably be considered to hinder the claim.
5)Any legal costs and expenses if you withdraw from the legal proceedings without the
underwriters’ agreement. In these circumstances the underwriters will be entitled to a
refund of any money that has been paid.
6) Any expenses for an expert witness, unless the underwriters have given written
approval.
7)Any uninsured losses or legal costs and expenses which you can claim under another
insurance policy or which you could have claimed if you had kept to the terms of that
policy.
8) Any claim arising from a deliberate or malicious act.
9) Any claim for any legal costs and expenses relating to any other person or organisation
bringing a claim or counterclaim against you.
10)Legal costs and expenses you can recover from any other person.
11) Legal costs and expenses if the claim will be decided in a court outside of the
territorial limits of this policy.
12)Any claims arising out of any deliberate criminal act or omission or fines and penalties
imposed by a criminal court.
13)Any claims where the defendant cannot be traced or does not hold valid motor
insurance.
14)Any claim relating to motor prosecution defence.
15)Legal costs and expenses arising from disputes between you and the administrators.
16)Legal costs and expenses arising from disputes between you and the underwriters.
17)Any claim arising out of a contract you have with another person or organisation.
18)Any VAT you can recover from elsewhere.
19)Any claim where you do not have a valid underlying policy of motor insurance
or where the insured incident is not covered by your underlying policy of motor
insurance.
20)Any claim where the insured vehicle does not have a valid MOT certificate or you do
not have a valid driving licence entitling you to drive the insured vehicle.
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21)Any claims resulting from the use of the insured vehicle for motor racing rallies speed
trials or competitions of any kind.
Reporting a Claim
If you wish to make a claim, you should call 0845 128 7268 as soon as possible after
the incident.
Complaints Procedure
What to do if you have a complaint
We are dedicated to delivering a first class level of service to all of our policyholders.
However, we accept that things can occasionally go wrong and would rather be told about
any concerns you have so that we can take steps to make sure the service you receive
meets your expectations in the future.
If a dispute regarding your policy or claim arises and cannot be resolved by reference
to your insurance intermediary the following explains the procedures for resolving your
complaint:
The resolution of complaints in relation to your policy (or any claim made under it) is
delegated to our service providers in the United Kingdom, Markerstudy Limited. If you have
a complaint, please contact our service providers at the address below:
Markerstudy Customer Relations
Markerstudy Limited
PO Box 727
Chesterfield
S40 9LH
Tel: 0844 874 0633
Email: [email protected]
When contacting Markerstudy Limited please provide:
a) A policy number and/or claim number
b) An outline of your complaint
c) A contact telephone number
Our service providers will make every effort to resolve your complaint immediately. If they
cannot resolve your complaint by the end of the next working day they will acknowledge
your complaint within five working days of receipt and do their best to resolve the problem
within four weeks by sending you a final response letter. If they are unable to do so, they
will write to advise you of progress and will endeavour to resolve your complaint in full
within the following four weeks. If they are still unable to provide you with a final response
at this stage, they will write to you explaining why and advise when you can expect a final
response. At this point you may refer your complaint to The Financial Ombudsman Service
at the following address:
The Financial Ombudsman Service
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South Quay Plaza
183 Marsh Wall
London
E14 9SR.
You have the right of referral within 6 months of the date of your final response letter.
Whilst we and our UK service providers are bound by the decision of the Financial
Ombudsman Service, you are not. Following the complaints procedure above does not
affect your right to take legal action.
All correspondence relating to a claim under this policy should be addressed to the
administrators:
Carpenters Solicitors, Leonard House, Scotts Quays, Birkenhead, CH41 1FB.
Carpenters Solicitors are authorised and regulated by the Financial Conduct Authority
(FCA) under firm reference number 589305. You may check this on the Financial Services
Register by visiting the FCA’s website, www.fca.org/register or by contacting the FCA on
0800 111 6768.
This Legal Protection Insurance Policy is underwritten by Markerstudy Insurance Company
Limited, 846-848 Europort, Gibraltar www.markerstudy.com
Markerstudy Insurance Company Limited is regulated by the Gibraltar Financial Services
Commission and subject to a limited regulation by the Financial Conduct Authority in
respect of underwriting insurance business in the UK (Number 206322).
Part C - Your Breakdown
& Assistance Policy
HOW TO OBTAIN ASSISTANCE
Please call 0800 023 2791 if you are in the UK or +44 1202 314 410 if you are in Europe.
For textphone please dial 18001 first.
Duplicate Cover
If you have an existing breakdown policy that gives the same cover elsewhere, you’ll need
to consider whether you may be paying for duplicate cover.
page 42
Insurer
This insurance policy is underwritten by Liverpool Victoria Insurance Company Limited
operating as Britannia Rescue.
Britannia and Britannia Rescue are registered trade marks and are trading styles of the
Liverpool Victoria group of companies. Liverpool Victoria Insurance Company Limited,
registered in England and Wales number 3232514 is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and Prudential
Regulation Authority, Register Number 202965. Registered address for all Liverpool
Victoria companies: County Gates, Bournemouth BH1 2NF. Telephone 01202 292333.
Brightside Insurance Services Ltd, is authorised and regulated by the Financial Conduct
Authority, register number 302216.
1) Your responsibility to give us correct information
Please make sure all the information you give us is correct and complete. This is important
because inaccurate or incomplete information may result in assistance not being provided
or your insurance being cancelled from the start date. If you’re not sure whether you need
to tell us about something please ask.
2) Data Protection Act and other related disclosure
Liverpool Victoria Insurance Company Ltd is registered under the Data Protection Act and
our registration number is Z7450594.
Brightside Insurance Services Ltd is registered under the Data Protection Act and their
registration number is Z5268008. This information is provided to you to explain how your
details may be used and to tell you about the systems that are in place that allow the
detection and prevention of fraudulent applications and claims. The savings that are made
help to keep premiums and products competitive.
For the purposes of The Act the Data Controller of any personal data provided in
connection with your insurance is Brightside Insurance Services Ltd and Liverpool Victoria
Insurance Company Ltd are the Data Processors. Information provided may be held,
whether or not a product is purchased, on computer, paper file or other medium to enable
the recording of an enquiry for a reasonable period of time, for as long as the application is
being considered, for as long as the policy remains in force and afterwards to ensure that a
clear and complete audit trail of policy records and transaction history is maintained.
The information (some of which may be sensitive) may be used to process and administer
your business by Liverpool Victoria Insurance Company Ltd, Brightside Insurance Services
Ltd and our agents (e.g. service providers both within and outside the European Economic
Area with which we have agreements). It may also be used/or disclosed to regulators
for the purposes of monitoring and/or enforcing compliance with any regulatory rules,
guidelines or codes. Occasionally your data may be disclosed to carefully selected third
page 43
parties (including companies who form part of the Liverpool Victoria Group and Brightside
Insurance Services Ltd) who are assisting us in service improvement activities. If your
details have been obtained through an affinity association, some of your information,
including product details and on-going information may be passed to that affinity
organisation for membership, business analysis and other relevant purposes.
In the event that you move to a new insurance provider, certain details relating to your
insurance may be passed to the new insurer if requested to do so and where there has
been a genuine request by your new insurer. In the event of a request for policy information
by an individual other than the policy owner, checks will be made with the individual that
the policy owner has given permission to the individual to communicate on the policy
owner’s behalf. Please note that any Sensitive Data (as defined under the Data Protection
Act 1998) provided will not be used for marketing purposes.
3) Access to the personal information we hold about you
Subject to payment of a fee, you can ask for a copy of the personal information we hold
about you by writing to the CCA Department, LV=, County Gates, Bournemouth BH1 2NF.
For details of the Liverpool Victoria group of companies please refer to www.lv.com.
4) Communications
All communications will be in the English language. For various legal, regulatory and
service requirements your telephone call may be recorded or monitored. We aim to
communicate with you in a manner that is clear, fair and not misleading. We are able
to provide literature and communications in the following alternative formats: Braille,
large print or audiotape. Should you require information on this product or service in
any of these formats, please contact Asda Car Insurance. If there is anything you do not
understand please ask Asda Car Insurance for an explanation.
5) The laws that apply to this insurance policy
The law of England and Wales will apply to your policy with us. For policyholders living in
Guernsey or Jersey, the law of Guernsey or Jersey will apply in regard to your insurance
policy with us.
6) Cancellations
If included as standard on your insurance policy
You may only cancel this Part C of your policy if you are cancelling your car insurance
policy in total. If this is within 14 days of the date of issue or receipt of your policy
documentation, whichever is the later and you have not made a claim during this period,
you will be entitled to a proportionate refund of premium based upon the days the policy
has been on cover. If you decide to cancel your car insurance policy after this period and
have not made a claim then you will be entitled to proportionate refund of premium based
upon the days the policy has been on cover. If you have made a claim against Part C of the
policy, no refund of the breakdown premium will apply.
page 44
If included as an optional extra on your insurance policy
You may cancel this Part C of your policy at any time without having to cancel your policy
in total. If this is within 14 days of the date of issue or receipt of your policy documentation,
whichever is the later and you have not made a claim during this period, you will be
entitled to a full refund of premium. If you decide to cancel Part C of your policy after
this period, or if you have made a claim against Part C of the policy, no refund of the
breakdown premium will apply.
We reserve the right not to invite renewal of your policy.
7) How to make a complaint
If you have a complaint about your policy or the service you have received, please contact
us by phone on 0800 756 8828. For textphone please dial 18001 first. (Opening hours Mon
- Fri 9am - 5pm). If you prefer to write, please address your letter to: The Quality Manager,
Britannia Rescue, Folly Hall Mills, St Thomas Road, Huddersfield, West Yorkshire HD1 3LT.
Email: [email protected].
When contacting us please ensure you quote your policy or claim number as appropriate.
A copy of our internal complaints procedure is available on request.
If we cannot resolve your complaint, you may refer your complaint to the Financial
Ombudsman Service within six months of receiving our final response letter. The address
is: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Telephone: 0800 023 4567 or 0300 123 9 123 (from mobile or non BT lines).
Email: [email protected].
Making a complaint will not affect your right to take legal action.
8) What happens if we can’t meet our liabilities
If we are unable to meet our liabilities to our policyholders, you may be able to claim
compensation from the Financial Services Compensation Scheme (FSCS). There are
different levels of compensation, depending on what kind of insurance you have:
• Compulsory insurance such as third party motor insurance, is covered for 100% of the
claim
• Non-compulsory insurance, such as breakdown insurance, is covered for 90% of the
claim
You can get further information from the Financial Services Compensation Scheme, 10th
Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU.
Telephone 0800 678 1100 or 0207 741 4100 or Email: [email protected].
DEFINITIONS
‘breakdown professional’ – a trained, professional motor mechanic/recovery driver or
specialist service provider.
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‘breakdown’ – immobilisation of the vehicle due to a mechanical or electrical failure, theft
or attempted theft, vandalism, accidental damage, a flat tyre or lack of fuel occurring
during the period of cover.
‘home address and normal place of garaging’ - your permanent residence we have on
record at the time of a breakdown as supplied by you or where the vehicle is normally kept.
‘motorail’ – a specific European Rail Service for transporting vehicles across Europe.
Motorail services do not include Channel Tunnel rail services.
‘passengers’ – occupants of the vehicle (excluding hitch hikers).
‘UK market value’ – the value for the relevant make and model as specified in Glass’s Guide
or a recognised equivalent.
‘trip’ – a pre booked continuous journey to the countries as specified within the
geographical limits of Section D which begins and ends in the UK and which does not
exceed 180 days in total during the policy period.
‘UK residents’ – Mainland UK, Northern Ireland, Channel Island and Isle of Man residents.
‘vehicle’ – any mechanically propelled vehicle that requires insurance for use as specified
under the Road Traffic Act 1988 and is within the dimensions highlighted in Section B –
Vehicles.
‘we’, ‘us’ and ‘our’ – Liverpool Victoria Insurance Company Limited, and where the context
dictates, Liverpool Victoria Insurance Company Limited trading as Britannia Rescue.
‘you’, ‘your’ and ‘the policyholder’ – Any driver who is using the vehicle with the
policyholders permission.
‘your representative’ – anyone acting with or on your authority.
SECTION A - INTRODUCTION TO ASDA
CAR BREAKDOWN ASSISTANCE
• This policy is for residents and companies situated in the United Kingdom, the Channel
Islands and the Isle of Man and entitles the policyholder to our vehicle breakdown and
recovery services within the United Kingdom, the Channel Islands, the Isle of Man, the
Republic of Ireland and any country specified within the geographical limits of Section
D. We have set out the different levels of cover in Sections C & D of this policy
• We will protect you against the cost of vehicle breakdown and recovery assistance
within the policy period as shown on your current Schedule of Insurance for which you
pay a premium
• Unless you give us a future start date your cover start date is that shown on your
current Schedule of Insurance. Your expiry date will also be shown on your current
Schedule of Insurance
• The policy will cover vehicles named by the policyholder and where a premium has
been paid for the insurance, regardless of who is driving the vehicle at the time of a
breakdown or failure of the vehicle to start as long as they have the permission of the
policyholder to use the vehicle
• Our breakdown policy covers vehicles not drivers
• We reserve the right not to invite renewal of your policy. If this is the case Asda Car
Insurance will inform you in writing before the policy expires
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SECTION B - VEHICLES
• Vehicles must be no more than 12 years old at the start date of the policy
• Vehicles and any caravan or trailer that is attached to your vehicle must be registered
as owned by you, a member of your household or your company and be kept at your
home address or normal place of garaging
• We will not provide services for vehicles that are not shown on your current Schedule
of Insurance. You must tell Asda Car Insurance immediately if you change your vehicle
• Vehicles must be in a roadworthy condition and should be serviced and maintained in
line with manufacturer guidelines and meet all legal regulations, including if appropriate
having a valid MOT certificate. It is your responsibility to ensure that all vehicles are
kept in this condition throughout the period of cover and we may ask for proof in the
event of a dispute. The service does not cover vehicles which, in the opinion of the
breakdown professional attending the vehicle, were not roadworthy or were broken
down before your policy began
• Vehicles should not be more than 7.0 metres in length, 2.3 metres wide, 3 metres in
height, or a weight when fully loaded of 3.5 tonnes. You must always carry a legal
and serviceable spare wheel or a manufacturer supplied or approved emergency tyre
inflation kit and equipment and keys for any tyre security devices when supplied by the
manufacturer
• Caravans and trailers – your cover includes any caravan or trailer that is attached to
your vehicle unless the breakdown occurs at the normal place of garaging or within
a quarter of a mile of that address or the location at which your caravan is normally
stored. Caravans and trailers should not be more than 8 metres in length (including
A-frame) and fitted with a standard 50 millimetre ball coupling. All caravans and trailers
must meet the requirements of the Road Vehicles (Construction and Use) Regulations
1986. If appropriate you must always carry a legal and serviceable spare wheel or a
manufacturer supplied or approved emergency tyre inflation kit and equipment and
keys for any tyre security devices when supplied by the manufacturer
SECTION C – UK RECOVERY & HOME ASSIST
If your vehicle cannot be driven because of a breakdown or where the vehicle fails to start
at the policyholder’s home address or the normal place of garaging, we will:
• Try to repair the fault at the roadside for up to one hour so that you can continue your
journey safely and legally
• If we cannot repair your vehicle at the roadside we will transport your vehicle, you and
up to 7 passengers that are in the vehicle at the time of the breakdown to a local place
of repair or to a destination of your choice if in our opinion the fault or damage cannot
be repaired at the scene of the breakdown or locally by the end of the working day (we
will not pay for any other recoveries); or pay a contribution to labour costs if a fault
cannot be repaired locally
• Relay telephone messages to advise of unforeseen travel delays
• Supply a Relief Driver if the only driver of the vehicle cannot continue a journey
because of illness or injury. Documentary proof of the illness or injury must be supplied
to us if you are not to be charged for this service
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• Claim for the cost of one single standard class rail ticket for any authorised driver to
collect the vehicle following repair
You may also choose one of the following benefits if repairs to the vehicle cannot be
completed by the end of the working day on which the breakdown occurred:
a) The hire of a replacement car (up to 1600cc) for up to 48 hours. We will pay the cost of
the hire car but you are responsible for all other costs or benefits imposed or offered to
you by the hire car company. You must take up the option of a hire car within 48 hours
of the breakdown; or
b) The cost for you and any passengers to either continue the journey or return to your
home address by our choice of alternative transport, up to a maximum of £300; or
c) Pay up to £60 per person for overnight bed and breakfast accommodation up to a
maximum of £500 at a hotel near the garage that is repairing your vehicle, and up to
£40 for reasonable public transport costs to get the driver to the garage the following
day. You must send us your claim within 28 days for us to pay you these costs, along
with any relevant receipts
Exceptions to Section C
• If you do not accept immediate recovery following a call out to the home address or
normal place of garaging, you will have to pay for any further help for the same fault
• Recovery from the home address or normal place garaging will only be to a local place
of repair
• Any amounts more than those specified within Section C above
• All costs relating to parts and labour remain your responsibility unless covered or
agreed by us
• The cost of supplying a spare wheel and tyre if a serviceable one cannot be provided
by you
• The cost of, if needed, a specialist locksmith, body glass or tyre specialist
• The cost of any medical transfers
• A hire car not authorised by us
• Car hire in the event of the vehicle requiring routine servicing or other repair work to
correct non-immobilising faults or undergoing repair of cosmetic damage
• Anything specified within the Service Limitations and Exclusions section of this Policy
(Section F)
Important Information about UK Recovery & Home Assist
• Where it is not possible or safe to repair a fault at the roadside (for example, on a
motorway), we may take the vehicle to a safe place or to the breakdown professional’s
premises to carry out the repairs
• All costs relating to parts and labour remain your responsibility unless covered or
agreed by us
• We cannot guarantee that a replacement vehicle will be available
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• Britannia Rescue will pay the cost of a hire car and the cost of insurance (where
applicable) but you are responsible for all other costs imposed or offered to you by the
hire car company where a hire car is your preferred choice
• We will not pay for any extra charges relating to specific needs of a replacement
vehicle such as tow bars or roof racks; these requirements are subject to availability
• You must meet the terms and conditions of the hire car company which include having
a valid driving licence, meeting the minimum age set by the hire car company and
being in possession of a valid credit card
• Hire cars may not be taken out of the country without the permission of the hire car
company
• Our breakdown and recovery services do not extend to hire cars provided under
Section C (UK Recovery & Home Assist)
• We will only provide help at home or your normal place of garaging if your vehicle is
immobilised due to a breakdown
• Recovery cannot be used as a way of avoiding repair costs
• This service cannot be used if the vehicle has already broken down or was not in a
roadworthy condition when cover was taken out
• UK Recovery & Home Assist is only effective the day after you purchased this cover for
the first time
SECTION D – UK & EUROPEAN ASSIST
(This extension only applies if the correct premium has been paid for the European
extension and is indicated in your Schedule).
In addition to all the services, benefits, terms and conditions given under Sections A, B
& C of this policy, those detailed in Sections D1 – D7 will also apply as well as Section E
(General Conditions of Service) & Section F (Service Limitations and Exclusions).
This cover only applies to permanent named vehicles. You may have to pay for some
services such as hotel accommodation and claim it back from us when you get back to
the UK. The exchange rate will be based on that current at the time the claim is processed.
We will aim to provide the most suitable and cost effective solution to your problem and
our decision will be final. As well as the general terms and conditions of this policy, we will
provide the following services if you travel to a country listed under the geographical limits
below:
Geographical limits: Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina,
Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany,
Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg,
Former Yugoslav Republic of Macedonia, Malta, Moldova, Monaco, Montenegro, the
Netherlands, Norway, Poland, Portugal, Romania, Russia (West of the Urals), San Marino,
Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey in Europe, Ukraine.
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SECTION D1 – COVER BEFORE YOU TRAVEL
If your vehicle cannot be driven because of a breakdown, accident, theft or attempted theft
during the 7 days immediately preceding a pre-booked trip departure date and repairs
cannot be completed before you leave we will:
• Arrange and pay a maximum of up to £800 for you to hire a replacement car, subject
to availability, with you being responsible for all costs imposed by the hire car company.
You must take up the option of a hire car within 48 hours of the breakdown; or
• Subject to all legal and statutory regulations allow a temporary change for the vehicle
that is on cover to allow you to continue with your journey; or
• If your vehicle can be repaired within 24 hours of your original planned departure, we
will cover the cost of rebooking your sea crossing or journey via the Channel Tunnel
which was missed as a result of the incident giving rise to a claim under this section
Exceptions to Section D1
• Any claims resulting from breakdown if you have purchased this cover less than 7 days
before your planned departure date or an existing policy which expires before the end
of your trip
• You must meet the terms and conditions of the hire car company which include having
a valid driving licence, meeting the minimum age set by the hire car company and
being in possession of a valid credit card
SECTION D2 – MISSED MOTORAIL CONNECTION
If you fail to connect with a pre-booked Motorail service on the outward journey because
your vehicle breaks down, or is involved in an accident, theft, or attempted theft, we will:
• Pay up to £200 to store the insured vehicle at a location near the Motorail depot for
your trip; and
• Pay the extra transport costs of you, your passengers and luggage to or from the
Motorail depot and the location of your vehicle; and
• Arrange and pay a maximum of up to £800 for you to hire a replacement car, subject to
availability, with you being responsible for all costs imposed by the hire car company
Exceptions to Section D2
• Connections to Channel Tunnel trains are not covered under Section D2 (Missed
Motorail connections)
• You must meet the terms and conditions of the hire car company which include having
a valid driving licence, meeting the minimum age set by the hire car company and
being in possession of a valid credit card
SECTION D3 – ROADSIDE ASSISTANCE
AND LOCAL RECOVERY
If your vehicle cannot be driven because of a breakdown during your trip, we will:
• Try to repair the fault at the roadside so that you can continue your journey safely and
legally; or
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• If the fault cannot be fixed at the roadside, or in circumstances where it is not possible
or safe to try to repair a fault at the roadside (for example, on a motorway), we will
transport the vehicle, driver and up to 7 passengers to a local place of repair
If we cannot repair your vehicle by the end of the working day on which the breakdown
occurred we will:
• Arrange and pay a maximum of up to £800 for you to hire a replacement car, subject to
availability, with you being responsible for all other costs or benefits imposed or offered
to you by the hire car company; or
• Pay up to a maximum of £500 to transport you, up to 7 passengers and your luggage
to your onward destination; or
• Pay for overnight hotel accommodation for you and up to 7 passengers, up to £60 per
person per night to a maximum of £500, to cover any additional costs you may incur in
excess of your planned accommodation costs. You will have to claim these costs from
us on your return. We will not pay your planned accommodation costs
Exceptions to Section D3
• You must meet the terms and conditions of the hire car company which include having
a valid driving licence, meeting the minimum age set by the hire car company and
being in possession of a valid credit card
Important Information about Roadside Assistance and Local Recovery in Europe
In some countries if you break down on a motorway or other major route, your call may be
answered by the police and they may arrange for a recovery without our authorisation. If
this is the case, you may be asked to pay for the service and you should keep the receipt
and claim it back from us when you get back to the UK
SECTION D4 – PROVIDING SPARE PARTS
If replacement parts are not available locally to carry out a permanent repair, we will try
and get them elsewhere. You will have to pay by credit card or debit card the cost of the
replacement parts before we order them. We will pay all freight charges, subject to a
maximum of £500 associated with getting the parts to the local repairer.
SECTION D5 – Relief Driver
If the only available driver cannot continue a journey because of illness or injury, we will:
• Provide a qualified driver to drive your vehicle and up to 7 passengers back to your
home address in the UK; or
• Pay any extra costs to transport your vehicle, up to 7 passengers and luggage back to
the UK as long as these costs are not higher than the market value of your vehicle
Important Information About Relief Driver
Documentary evidence of the illness or injury must be supplied to us if you are not to be
charged for this service.
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SECTION D6 – REPATRIATING YOUR VEHICLE
If your vehicle cannot be driven because of a breakdown during your trip and your vehicle
cannot be repaired in time for your return journey to the UK, we will:
• Pay any extra costs of transporting you, up to 7 passengers and luggage back to the
UK; and
• Pay the cost of transporting your vehicle to your home address in the UK as long as
these costs are not higher than the market value of the insured vehicle; or
• Pay up to £500 for someone you choose to travel to the place of repair to drive your
vehicle back to your home address in the UK
Important Information About Repatriating Your Vehicle
• It can take up to 15 working days to arrange repatriation of your vehicle following our
agreement to do so
• The UK market value of the vehicle will be obtained from the Glass’s Guide or
recognised equivalent
• We will not be responsible for the transportation of any excise goods which come
under the jurisdiction of HM Revenue & Customs (HMRC) such as tobacco, alcohol
or fuel. These items must be removed from the vehicle prior to transportation being
arranged and you will be responsible for the arrangement and the cost of an alternative
method of shipping
SECTION D7 – TEMPORARY REPLACEMENT
VEHICLE IN THE UK
If you have to return to the UK before your vehicle, we will:
• Arrange and pay a maximum of up to £800 for you to hire a replacement car, subject to
availability, with you being responsible for all other costs or benefits imposed or offered
to you by the hire car company; or
• Subject to all legal and statutory regulations agree a temporary vehicle swap until your
vehicle is returned to the UK
Exception to Section D7
• You must meet the terms and conditions of the hire car company which include having
a valid driving licence, meeting the minimum age set by the hire car company and
being in possession of a valid credit card
EXCEPTIONS TO SECTION D
• If you do not accept immediate recovery following a call out to the home address or
normal place of garaging, you will have to pay for any further help for the same fault
• Recovery from the home address or normal place of garaging will only be to a suitable
place of repair.
• Any amounts above those specified within Section D
• All costs relating to parts remain your responsibility unless you and us agree otherwise
• The cost of supplying a spare wheel and tyre if a serviceable one cannot be provided
by you
• The cost of, if needed, a specialist locksmith, body glass or tyre specialist
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• A hire car not authorised by us
• Car hire in the event of the vehicle requiring routine servicing or other repair work to
correct non-immobilising faults or undergoing repair of cosmetic damage
• Anything specified within the Service Limitations and Exclusions section of this Policy
(Section F)
We will not pay for any of the following:
• Any bail or customs duty you must pay;
• Any costs which you would have had to pay anyway if the incident had not happened;
• Any costs arising after your vehicle has been returned to the UK irrespective of whether
the vehicle requires workshop repair;
• The cost of replacement parts or other materials;
• Costs resulting from a previously discovered fault which has not been repaired by a
qualified technician;
• Services covered by any other insurance policy or costs which you can claim against
another person;
• The costs of any services you have to pay outside the geographical limits;
• The costs of any services our control centre have not authorised;
• Loss or damage to any unaccompanied baggage or personal belongings we are
transporting;
• Any fines awarded against you;
• Your vehicle to be sent home if the costs of repatriation will exceed its UK market value;
• The cost of alternative shipping arrangements for excise goods which come under the
jurisdiction of HM Revenue & Customs such as tobacco, alcohol or fuel. These items
must be removed from the vehicle prior to transportation of the vehicle being arranged
Important Information about UK & European Assist
• Where it is not possible or safe to repair a fault at the roadside (for example, on a
motorway), we may take the vehicle to a safe place or to the breakdown professional’s
premises to carry out the repairs
• All costs relating to parts remain your responsibility unless you and us agree otherwise
• The decision to supply a Relief Driver is at our absolute discretion
• We cannot guarantee that a replacement vehicle will be available
• Britannia Rescue will pay the cost of a hire car and the cost of insurance (where
applicable) but you are responsible for all other costs imposed by the hire car company
where a hire car is your preferred choice
• We will not pay for any extra charges relating to specific needs of a replacement
vehicle such as tow bars or roof racks; these requirements are subject to availability
• Hire cars may not be taken out of the country without the permission of the hire car
company.
• Our breakdown and recovery services do not extend to hire cars provided under
Section D (UK & European Assist)
• You must meet the terms and conditions of the hire car company which include having
a valid driving licence, meeting the minimum age set by the hire car company and
being in possession of a valid credit card
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• We will only provide help at your home address or normal place of garaging if the
vehicle fails to start
• Recovery cannot be used as a way of avoiding repair costs
• This service cannot be used if the vehicle has already broken down or was not in a
roadworthy condition when cover was taken out
SECTION E - GENERAL CONDITIONS OF SERVICE
1. You must make all requests for the breakdown and recovery assistance service
immediately. We will not accept responsibility for any service or help that we have not
arranged.
2. You or your representative must stay with the vehicle to make sure that the breakdown
professional has access to the vehicle. Your representative must have your permission
to authorise any necessary repair or other work, which will be at your expense and if
appropriate, have your permission to drive the vehicle.
3. We will try to repair your vehicle, or take it to your chosen destination, dependent upon
your cover entitlement. We do not cover normal vehicle maintenance and will charge
you for any services that are not covered by the policy including all its terms and
conditions.
4. All our breakdown professionals are required by law to adhere to regulations on driver’s
hours. If a recovery is needed this may result in the breakdown professional taking
regular breaks or the need to operate a staged recovery where further breakdown
professionals are used to share the recovery.
5. In the event of a recovery our breakdown professional will unload the vehicle in a safe
and appropriate place close to your chosen destination. For example, our breakdown
professional will not unload a vehicle on private property if there is insufficient space, a
risk of ground compression or obstacles which could make this difficult.
6. You must tell us if you are covered for services by any other insurance policy or can
claim against another person. We will ask you to include our invoice in your claim
against the other person or against your other policy to recover or reduce our costs.
7. It is your responsibility to make sure that any temporary repair that our breakdown
professionals carry out is followed immediately by any necessary permanent repair. We
will ask for proof of repair in the event of a dispute.
8. In the event that your payment defaults, we will terminate cover forthwith and seek to
recover all costs incurred in providing services to you. We reserve the right to refuse
service in the event of payment default.
9. We will not provide assistance and reserve the right to cancel your policy if you –
• Fail to repair the vehicle following a call out for the same problem
• Knowingly use the vehicle when a fault has been identified
• Fail to service and maintain the vehicle in line with manufacturer guidelines
• Fail to obtain a valid MOT certificate if required by law
• Fail to keep the vehicle in a roadworthy condition
We will ask you to provide documentary evidence such as an MOT, Repair or Service
invoice in the event that you fail to comply with the above conditions. If you fail to
comply with the above conditions we will ask Asda Car Insurance to cancel your policy
by sending 7 days’ notice by recorded delivery to your last known address.
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10. In the event that we have provided services which are not covered by this policy, for
example we have attended a vehicle at your home address and the level of cover
you chose did not include assistance at home or we have provided spare parts for a
repair and settlement has not been made to the breakdown professional or supplier as
specified in clause F2, we will charge you at the time of your call or we will send you an
invoice for the amount due which should be paid within 30 days.
11. If you have given us false information on your application for cover, or given us
incorrect information when you asked for help, for example the vehicle does not meet
all legal requirements or was broken down before your cover started; you will have to
pay all costs which we have had to pay as a result of your false or incorrect information.
12. In the event of a road traffic accident we may ask you to contact your motor insurance
company in the first instance to arrange recovery to ensure you receive your full
entitlements. If assistance is not available for whatever reason, we will provide the
services as shown under your cover entitlement.
13. We may only recover a vehicle from the scene of an accident if we have permission
from the emergency services involved.
14. If there are any differences between the terms in this policy document and any terms
our breakdown professional’s agreed over the phone or in person, these written policy
conditions will apply.
15. We will not provide assistance if you or any passenger behave in a threatening or
abusive manner to us or our breakdown professionals.
16. Any diagnosis by our breakdown professional is only provisional; you may require a
follow up diagnosis by your own repairer, at your own cost, to determine the exact
nature of the breakdown and what work or parts are required for repairs to be
completed.
SECTION F - SERVICE LIMITATIONS AND EXCLUSIONS
We will not be responsible for providing the following:
1. The cost of any service outside the period of cover, or where we have not received the
correct premium.
2. The cost of all parts or supplies used or provided to you or for your vehicle. These will
include:
• The cost of supplying and fitting windscreens;
• Labour costs in removing and disposal of contaminated or incorrectly mixed fuel;
and
• Storage charges unless we have specifically covered them under your chosen level
of cover.
You must pay all these costs to the breakdown professional or supplier.
3. Any charges incurred because your vehicle is not carrying a legal and serviceable
spare wheel or a manufacturer supplied or approved emergency tyre inflation kit or
equipment or keys for any tyre security devices.
4. Any fines, penalties, tolls or unclamping charges you have to pay. We will pay any tolls
if your vehicle is being recovered at the time by one of our breakdown professionals.
page 55
5. Accommodation or other expenses (for example, rail or taxi charges) that you or your
passengers have to pay, unless we have specifically covered them under your chosen
level of cover.
6. Any costs involved in moving your vehicle into a position where we can try to repair it
or transport it. For example all charges for retrieving your vehicle from a ditch or field
are your responsibility.
7. The full costs of our breakdown professional’s time if, having called us, you employ
another breakdown professional before our breakdown professional arrives to repair
or recover your vehicle. However, if you phone us for help but you manage to get your
vehicle going again, we may agree not to charge you for our breakdown professional’s
time if you contact us immediately.
8. Breakdown and recovery assistance for vehicles involved in sporting events, including
racing, pacemaking, speed testing, rallies, trials and all other track based activities and
those involved in leisure off road events.
9. Breakdown and recovery assistance for vehicles involved in hire and/or reward uses
(such as a taxi).
10. We will not be responsible for any loss of business, loss of profit, loss of revenue, loss
of contract, loss of goods or any direct or indirect losses incurred as a result of the
services provided to you under this policy or the delay or alleged delay in providing
such services.
11. Major repairs, servicing, stripping down vehicles or reassembly (including repairing
faulty brakes, steering, suspension or DIY work).
12. Recovering a caravan or trailer if it is occupied by people or livestock, and transporting
animals and pets in a recovery vehicle (with the exception of Assistance Dogs). In these
cases, the breakdown professional’s decision is final.
13. Any costs you have to pay if, following an accident, the police have temporarily
removed the vehicle to a safe location or local place of repair. After you have paid any
costs and filled in the necessary paperwork, we will recover your vehicle subject to the
conditions under clause E12.
14. Recovery if it would be dangerous or illegal for our breakdown professional to load or
transport your vehicle. In these cases, the breakdown professional’s decision is final.
15. We cannot provide help on commercial garage premises which are not our breakdown
professional’s premises.
16. Services in the case of:
• events beyond our reasonable control;
• war or military operations;
• acts of terrorism;
• civil disorder;
• a national emergency;
• anything which the Government or highway authority does or fails to do;
• legal restrictions;
• industrial disputes;
• fire;
• lightning;
• explosion;
page 56
• flood (except where the breakdown has occurred due to water damage while the
vehicle was in motion / use);
• nuclear explosions or a release of ionising radiation;
• subsidence; or
• severe weather conditions where it would be unsafe for the agent to attempt to
recover or repair the vehicle.
17 Any claims arising from speeding or alcohol/drug related incidents.
18. More than one recovery per breakdown unless we agree otherwise.
19. Transportation of any excise goods which come under the jurisdiction of HM Revenue
& Customs such as tobacco, alcohol or fuel. These items must be removed from the
vehicle prior to transportation being arranged and you will be responsible for the cost
of that shipping.
20.Any losses, costs or damages which you suffer as a result of our failure to provide the
services listed in Sections C & D.
Despite these limitations and exclusions, we do not intend anything in these policy
conditions to limit any legal rights you may have as a consumer against us or our
employees or breakdown professional as a consequence of death or personal injury
resulting from our negligence or that of our employees or breakdown professionals.
Britannia and Britannia Rescue are registered trade marks and are trading styles of the
Liverpool Victoria group of companies. Liverpool Victoria Insurance Company Limited,
registered in England and Wales number 3232514 is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and Prudential
Regulation Authority, Register Number 202965. Registered address for all Liverpool
Victoria companies: County Gates, Bournemouth BH1 2NF. Telephone 01202 292333.
3114ASDACI(mip) 060314
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Contact Information
Customer Service Helpline: 0844 579 6490
Home Insurance
0800 988 0950
Lines open 8am to 8pm Mon-Fri,
9am to 5pm Sat, 10am to 4pm Sun.
Advised Life Cover
0800 804 6816
Lines open 8am to 8pm Mon-Fri,
9am to 6pm Sat.
Over 50’s Life Cover
0800 202 8164
For text phone please dial 18001 first.
Lines open 8am to 8pm Mon-Fri,
8.30am to 7.30pm Sat, 10am to 6pm Sun.
Travel Insurance
0800 519 9951
Lines open 9am to 8pm Mon-Fri,
9am to 6pm Sat.
Travel Money
0845 900 0955
Lines open 8am to 10pm Mon-Fri,
10am to 8pm Sat, Sun & Bank Holidays.
Breakdown Cover
0800 232 1403
Quoting XS01
Lines open 8am to 8pm Mon-Fri,
8am to 5pm Sat-Sun.
Energy Compare & Save 0800 019 7887
Lines open 9am to 8pm Mon-Fri,
9am to 5pm Sat-Sun.
ASDA Money Credit Card 0871 704 3366
Lines open 8.30am to 9pm Mon-Fri,
8.30am to 7.30pm Sat, 10am to 6pm Sun.
Pet Insurance
Lines open 8am to 8pm Mon-Fri,
9am to 5pm Sat.
0800 434 6038