Aviva and Adrian Flux - Private Car Scheme
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SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page OFC1
Aviva and Adrian Flux
Private Car Scheme
SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page IFC2
Introducing Adrian Flux Private Car –
underwritten by Aviva
Thank you for choosing Private An insurer who looks after you
Car, the motor insurance policy when you need it. An insurer
that gives you all you need – and who helps when you are out
the option of that little bit more! there by the roadside... and after
the event, with fast settlement of
You now have the reassurance of your claim.
knowing that you are protected
by the UK’s largest insurer. With Aviva, you are in safe hands.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 1
Contents
Page(s)
Welcome to Private Car from Aviva . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
Enjoy automatic membership to club benefits
Why Clubline is good for you
If you need to claim
Key benefits
Contract of Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4
Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6
Policy Cover Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9
Cover for your Vehicle . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10
Liability to Third Parties . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14
Additional Covers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17
General Exceptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25
General Conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .27
Complaints Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30
Financial Services Compensation Scheme . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32
Pages 10 to 27 include important information affecting your policy and your
policy wording.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 2
Welcome to Private Car
and automatic membership of our exclusive
club benefits.
Welcome to Private Car from Aviva. This
policy forms part of your legal contract If you need to claim
with us and defines exactly what you are
covered against. Please refer to your
Simply phone the Clubline and a Club
schedule for confirmation of the level of Personal Incident Manager will record
cover you have chosen. Choosing Private details of the incident you describe.
Car from Aviva, gives you automatic They will be able to confirm:
membership to our Club Insurance service
Whether your policy covers you for the
and access to the exclusive Clubline claims
incident
service; 0800 678999.
Any excess that you will have to pay
Why Clubline is good for you All the steps involved in the process of
making a claim.
Clubline is a freephone number, offering
help and assistance in the United Next…
Kingdom, Channel Islands and the Isle
of Man and operating 24 hours a day,
You will be sent a statement of fact
365 days of the year.
and contacted by your Personal Incident
It is designed to ensure any motoring Manager to confirm the details that
problems you encounter are resolved you have already provided to Clubline.
swiftly and smoothly, keeping your
All you need to do is add any relevant
motoring life as stress free as possible.
information, check and sign it.
It’s never been easier!
Telephone Call Recording
For our joint protection telephone calls
may be recorded and/or monitored.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 3
Welcome to Private Car 3
Key benefits
The practicalities Full Courtesy Car – Car for 14 days in
event of total loss
If you are involved in an accident, phone Child Seats – Replacement cover up to
Clubline and if the incident is covered we £100 per child seat in the event of an
will arrange for: accident or loss
Use our select repairer service –
Your vehicle to be recovered
and we will book your vehicle into an
A safe passage home for you and your approved repairer, provide a courtesy
passengers car for the duration of the repair up to
a maximum of 14 days and guarantee
Your Personal Incident Manager to talk any repairs for three years
you through the claims process.
All repairs form part of the
If the incident is not covered under your manufacturers warranty certificate
policy we can still arrange to assist you. Replacement locks if keys are stolen
However, a charge will be made.
No claims discount (NCD) up to
If you require accident recovery, please 70 percent, with Protected NCD,
call the Clubline. offered subject to criteria
Choice of Social, Domestic and
Important Pleasure (SD&P), SD&P and
Commuting, SD&P and Business use
When telephoning Clubline, please try to Free breakdown recovery whilst driving
have your policy number ready (as shown in any EU country
on your policy schedule). This will enable Customers have access to our Motor
your Club Personal Incident Manager to Clubline – a 24-hour emergency claims
find your policy records quickly and and legal helpline
provide the level of service that you
expect. For our joint protection, calls Ability to identify and appoint the
may be recorded and/or monitored. approved repairer best suited to your
requirements and location
Please ask your insurance adviser for our
‘Driving on the Continent’ booklet which Fast authorisation for repairs
contains information on driving abroad One-call to report all claim types and
and what to do in the event of an provide scene of the accident advice
accident abroad.
Unlimited audio equipment cover on
manufacturer fitted systemsSMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 4
Contract of Insurance
This policy, the information you have Changes we need to know about
provided and the schedule form the Please tell us or your insurance adviser
contract of insurance between you, the immediately you become aware of any
policyholder and us, Aviva. changes to your circumstances which may
affect this insurance or any other material
In return for your premium, we will
facts eg. a change to the persons to be
provide the cover shown in the schedule
insured, motoring convictions of any of
for accident, injury, loss or damage that
the persons to be insured, a change of
happens within the territorial limits during
vehicle or a change of use to the vehicle.
the period of insurance.
Administration charge
Choice of Law
The law of England and Wales will apply We reserve the right to apply an
to this contract unless: administration charge of up to £10
(subject to Insurance Premium Tax where
1. You and the Insurer agree otherwise; applicable) for any adjustments you make
or to your policy.
2. At the date of the contract you are a
resident of (or, in the case of a business,
the registered office or principal place
of business is situated in) Scotland,
Northern Ireland, Channel Islands or the
Isle of Man, in which case (in the
absence of agreement to the contrary)
the law of that country will apply.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 5
Contract of Insurance 5
For your cancellation rights outside the
Cancellation rights statutory cooling off period, please refer
to the General Conditions section of this
booklet.
You have a statutory right under Financial
Services Authority rules to cancel your Additional Covers –
policy within 14 days after the later of the Refund of Premiums
date of purchase of the contract or the If you have purchased additional cover
day on which you receive your policy options with this policy, no refund is
documentation. available on those additional covers if they
If you wish to do so and the insurance cover are subsequently removed after the
has not yet commenced, you will be entitled statutory cancellation period.
to a full refund of the premium paid.
Alternatively, if you wish to do so and the Use of Language
insurance cover has already commenced,
you will be entitled to a refund of the full
premium paid, subject to a deduction for Unless otherwise agreed, the contractual
the time for which you have been covered. terms and conditions and other
This will be calculated on a pro-rata basis information relating to this contract will
for the period in which you received cover. be expressed in the English Language.
To exercise your right to cancel your policy, Customers with Disabilities
please contact your insurance adviser or us This policy is also available in large
at Adrian Flux Insurance Group, East Winch print,audio and Braille. If you require any
Hall, East Winch, Kings Lynn, PE32 1HN. of these formats, in the first
You should also return your certificate of instance,please contact Adrian Flux
motor insurance immediately following Insurance Group, East Winch Hall, East
cancellation. Winch, Kings Lynn, PE32 1HN or
Telephone 0870 2250111.
If you do not exercise your right to cancel
your policy, it will continue in force and
you will be required to pay the premium.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 6
Definitions
Wherever the following words or phrases appear, they will have
the meanings described below.
You Market value
The policyholder named in the The cost of replacing your car with
schedule. one of a similar type and condition.
We, us Excess
Aviva Insurance UK Limited The amount you will have to pay
except where otherwise shown for towards any claim.
any policy section.
Accessories
Your partner Parts of your car which are not
The husband or wife of the directly related to how it works
policyholder, or the policyholder’s as a vehicle. This includes in-car
partner living at the same address as entertainment, such as radios,
the policyholder and sharing financial and communication equipment,
responsibilities. This does not include as well as portable phones while
any business partners or associates. they are connected to a power source
in your car. Mobile phones which
Schedule operate independently through their
The document which gives details of own battery pack are not accessories
the cover you have. within this definition.
The period of insurance
The period of time covered by this
policy, as shown in the schedule, and
any further period that we agree to
insure you for.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 7
Definitions 7
Certificate of motor insurance Market value
The current document that proves you The cost of replacing your car with
have the motor insurance you need by one of similar type and condition.
law. The certificate shows who can
drive your car, and what you can use Period of insurance
it for and whether you are allowed to The period of time covered by this
drive other cars. It is proof that you policy as shown in the policy schedule
can use your car on a road or other and any further period for which we
public place, as required agree to insure you.
by the Road Traffic Acts.
Policy Schedule
The certificate does not show the
Details of you, your car and the
cover you have.
insurance protection provided to you.
Clause
RAC
Changes in the terms of your policy.
RAC Motoring Services or RAC
These are shown in your policy
Insurance Limited as shown in the
schedule.
relevant policy section
RAC, PO Box 700, Bristol BS99 1RB.
Excess
The amount of any claim you will
Territorial limits
have to pay if your car is lost, stolen
Great Britain, Northern Ireland, the
or damaged.
Channel Islands and the Isle of Man,
the Republic of Ireland, Andorra,
Fire
Austria, Belgium, Bulgaria, Croatia,
Fire, lightning and explosion.
Cyprus, the Czech Republic, Denmark,
Estonia, Finland, France (including
Green Card
Monaco), Germany, Gibraltar, Greece,
A document required by certain
Hungary, Iceland, Italy (including
non-EU countries to provide proof
San Marino and the Vatican City),
that you have the minimum insurance
Latvia, Lithuania, Luxembourg, Malta,
cover required by law to drive in
the Netherlands, Norway, Poland,
that country.
Portugal, Romania, Slovakia, Slovenia,
Spain, Sweden and Switzerland
(including Liechtenstein).SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 8
Definitions Continued
Theft Any vehicle loaned to you or a
Theft or attempted theft. permitted driver shown on your
certificate of motor insurance for
The insured/you/policyholder up to seven days by a garage,
The person or persons described as motor engineer or vehicle repairer
the insured in the policy schedule. while the motor vehicle described
on your policy schedule is being either
The insurer/we/us/the company serviced, repaired or having
Aviva Insurance UK Limited an MOT test.
except where otherwise shown for
any policy section. Your spouse/domestic partner
The partner or husband or wife of the
Your car policyholder, living at the same
Any vehicle described in the schedule address as the policyholder and
and any other vehicle for which sharing financial responsibilities.
details have been supplied to us and a This does not include any business
certificate of motor insurance bearing partners or associates.
the registration mark of that vehicle
has been delivered to you and
remains effective. Any vehicle loaned
to you or a permitted driver shown on
your certificate of motor insurance by
a supplier we have nominated
following a claim under the policy.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 9
Definitions and Policy Cover Index 9
Policy Cover Index
Third Third Page
Cover Comprehensive
Party Party Only No.
Loss of or damage to
Section 1 your car – if your car is ✓ ✓ ✗ 15
lost, stolen or damaged
Liability to third parties –
Section 2 covering other people ✓ ✓ ✓ 19
and their property
Injury to you or your ✓ ✗ ✗
Section 3 23
partner
Medical expenses and ✓ ✗ ✗
Section 4 23
emergency treatment
Rugs Clothing and ✓ ✗ ✗
Section 5 23
Personal effects
Fire and
Section 6 Child Seat Cover ✓ Theft ✗ 23
Only
Payments made under
Section 7 compulsory insurance ✓ ✓ ✓ 23
regulations
Section 8 Emergency Treatment ✓ ✓ ✓ 23
Section 9 No-claim discount ✓ ✓ ✓ 23
Glass in windscreens, ✓ ✗ ✗
Section 10 23
sunroofs and windows
Section 11 Suspending cover ✓ ✓ ✓ 23
Continental use and
compulsory insurance
requirements – ✓ ✓ ✓
Section 12 24
minimum insurance
while driving on the
continent
Fire and
Section 13 Replacement Locks ✓ Theft ✗ 24
Only
Continental Breakdown ✓ ✗ ✗
Section 14 26
and Accident RecoverySMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 10
Cover for your Vehicle
• protecting the car and removing
Section 1
it to the nearest Aviva approved
Loss of or damage to your car
repairers; and
If your car is lost, stolen or damaged, • delivering the car back to your
we may: address in the British Isles after the
repairs have been carried out.
• pay for your car to be repaired;
If we know that you are still paying
• replace your car; or for your car under a hire purchase or
• pay you a cash amount equal to leasing agreement, we will pay any
the loss or damage. claim to the owner described in that
agreement. Our liability under this
The same cover also applies to
policy will then end.
accessories and spare parts relating to
your car while these are in or on your Accident recovery
car or while in your private garage. In Great Britain, Northern Ireland,
We will, however, pay for loss or Channel Islands and the Isle of Man
damage to your car’s audio we can arrange for the protection and
equipment, which is away from your removal of your car to the nearest
car or private garage, if such repairers. In the event of an accident
equipment has been designed to be ring the Clubline and we will arrange
removable or partly removable, for the following at no additional cost:
cannot function independently of
• someone to come out and help.
your car and has been temporarily If your car cannot be made
removed for purposes of security roadworthy immediately it will be
or maintenance. taken to our nearest Club-approved
The most we will pay will be the repairer. Your car can be taken to a
repairer of your choice if this is
market value of your car at the time
nearer, but this may lead to delays
of the loss.
in arranging the repairs to your car.
If you cannot drive your car as a result This rescue service also applies when
of damage insured under this policy, an accident occurs in the Republic of
we will pay the reasonable costs of: Ireland – ring (0044) 161 866 4114.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 11
Cover for Your Vehicle 11
• the onward transmission of any
messages on your behalf to a Important information
member of your family or a friend.
In providing accident recovery • A standard courtesy car is a Class A
assistance we will use reasonable care
vehicle, which are small hatchback
and skill when providing the service.
cars, similar to a Nissan Micra
We can, however, cancel services or
refuse to provide them if, in our • If your vehicle is immobile or
opinion, the demands made are unroadworthy we aim to provide a
excessive, unreasonable or impractical.
courtesy or hire car within one working
day (however, if an incident occurs
Courtesy car and hire car during a weekend it may not be possible
to provide a courtesy car until the
following Monday)
Courtesy cars are supplied to reduce
your inconvenience and where possible • In order to avoid undue delays, please
ensure you remain mobile throughout the advise us during the early stages of
duration of your claim. It is not intended your claim if an automatic transmission
to be an exact replacement for your own courtesy car is required. Automatic
vehicle.All courtesy vehicles with have
courtesy cars can be supplied, providing
comprehensive cover under your existing
the car being repaired is an automatic
policy for the period of the loan,
regardless of what level of cover you have • A ‘grey’ import is a vehicle that does not
requested for your car. (Please note that a comply with European Union vehicle
courtesy car cannot be provided until your type specification and which is imported
claim has been accepted and cover has from outside the UK (usually Japan).
been confirmed).
The table opposite tells you what type of
courtesy car you will receive according to
your policy cover and situation. This
should be read in conjunction with the
Important Information.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 12
Cover for Your Vehicle Continued
What cover have What is my What am I
I got? situation? entitled to?
• Standard courtesy car • My car is being • The Approved Repairer
on comprehensive repaired by an Aviva will provide you with a
policies Approved Repairer Class A courtesy car for
the duration of repairs
• My car is being • No courtesy car will be
repaired by a repairer provided if an Approved
of my choice Repairer is not used
• My car cannot be • Your claims handler will
repaired or has arrange for a Class A
been stolen hire car for up to 14
days, or up until a
settlement offer has
been agreed
(whichever is earliest)
• My car is a ‘grey’ • If your car is a ‘grey’
import and needs import (whether you
to be repaired are aware of this or
not) we will provide
you with a Class A
courtesy car for up to
seven days only
• Standard courtesy car • My car has been stolen • Your claims handler will
on Third Party, or has been arrange for a Class A
Fire and Theft policies set on fire hire car, for up to 14
days, or up until a
settlement offer has
been agreed
(whichever is earliest)SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 13
Cover for Your Vehicle Continued 13
New car replacement 3. damage to tyres by braking or by
We will replace your car with a new punctures, cuts or bursts.
car of the same make and specification 4. loss or damage directly occasioned by
(if one is available in the UK) if, within pressure waves caused by aircraft or
12 months of you or your partner other aerial devices travelling at sonic
buying the car from new: or supersonic speed.
• the cost of repairing any damage 5. loss of value following repair.
covered by the policy is more 6. confiscation or requisition or destruction
than 60% of the car’s list price by or under order of any Government or
(including car tax and VAT) when Public or Local Authority.
you bought the car; or
• your car is stolen and not recovered.
Excesses
We will only replace your car if:
• you or your partner own the car or If your car is lost, stolen or damaged
are buying it under a hire-purchase you are responsible for paying the
agreement (not a leasing, contract- excess shown on your schedule, no
hire agreement, or other type of matter how the loss or damage
agreement where ownership of the happened.
car does not pass to you);
If you are only claiming for loss of
• the hire-purchase company agrees; or damage to the glass in your car’s
and windscreen, sunroof or windows,
• you or your partner are the first or for any scratching of the bodywork
registered keeper of the car. arising solely from the breakage of
glass, the excesses set out above will
not apply. You will, however, have to
Exceptions to Section 1 of your policy pay the first £75 of the cost of glass
Your policy does not cover the following: replacement. This excess for glass:
1. loss of use, wear and tear, • will not apply when the glass is
depreciation, mechanical, electrical, repaired rather than replaced
electronic, computer failures or
breakdowns or breakages. • overrides any other general
excess that would otherwise
2. loss or damage arising from theft
apply to glass claims.
whilst the ignition keys of your car
have been left in or on the car.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 14
Liability to Third Parties
Section 2 Liability of other persons
Your liability driving or using your car
On the same basis that we insure you
We will insure you for all amounts under this section, we will also insure
which you may have to pay as a the following persons:
result of you being legally liable for
• any person you give permission to
(a) a person’s death or injury
drive your car provided that your
(b) damage to their property up to a certificate of motor insurance
maximum amount of £20,000,000 allows that person to drive
(excluding claimant’s costs and
• any person you give permission to
expenses and any other costs and
use (but not drive) your car, but
expenses) and up to £5,000,000
only whilst using it for social,
for claimant’s costs and expenses
domestic and pleasure purposes
and any other costs and expenses
incurred with our written consent • any passenger travelling or getting
in relation to damage to their into or out of your car.
property as a result of an accident
• the employer or business partner of
caused by:
the person using any car for which
• your car cover is provided under this section
while the car is being used for
• any other car driven by you in
business purposes permitted under
Great Britain, Northern Ireland,
the policy, except that we shall not
the Republic of Ireland, the
be liable where:
Channel Islands and the Isle of
Man which does not belong to – the vehicle belongs to or is hired
you or is not hired to you under a by such employer or business
hire purchase agreement, partner
provided that your certificate of
– the insured is a corporate body
motor insurance indicates that you
or firm.
can drive such vehicle
• any trailer while it is being
towed by your car.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 15
Liability to Third Parties 15
Exceptions to Section 2 of your policy
Legal personal representatives The cover under this section will not apply
in the following circumstances.
If anyone who is insured under this 1. If any person insured under this section
section dies, his or her legal personal does not keep to the terms, exceptions
representatives will have the cover the and conditions of this policy. The cover
will also not apply if the insured person
insured person would have had under
can claim under another policy.
this section.
2. If the death of, or injury to, any
employee of the insured person
Legal costs
arises out of, or in the course of,
that employee’s duties, unless we
We will pay the following legal costs if must provide cover under the Road
they relate to an incident which is Traffic Acts.
covered under this section: 3. For anyone we insure who claims
• The fees of solicitors we ask to under this section, if the claim relates
represent anyone we insure under to loss or damage to property that
this section at a coroner’s inquest or belongs to them or is in their care.
fatal accident inquiry, or to defend 4. If the damage being claimed for has
any proceedings in a happened to any vehicle covered by
court of summary jurisdiction. this section.
• Fees for legal representatives 5. While any vehicle is being used on:
we ask to defend anyone we – part of an aerodrome or airport used
insure under this section when for aircraft taking off and landing;
proceedings are taken for – aircraft parking areas including
manslaughter or reckless or service roads;
dangerous driving. – ground equipment parking areas; or
– any parts of passenger terminals
within the Customs examination
area;
unless we are liable under the Road Traffic
Acts.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 16
6. Except to the extent that we are In respect of terrorism, where we are
obliged by the Road Traffic Acts to obliged by the Road Traffic Acts to provide
provide insurance to; insurance, the maximum amount we will
(a) any direct or indirect consequence pay for damage to property as a result
of an act or acts of terrorism, of any accident or accidents caused by a
whether or not such consequence vehicle or vehicles driven or used by you
has been contributed to by any or any other person, and for which cover
other cause. Terrorism includes is provided under this section, will be:
but is not limited to: • £5,000,000 in respect of all
• the use or threat of force and/or claims resulting directly or
violence and/or indirectly from one originating
cause; or
• harm or damage to life or to
property (or the threat of such • such greater sum as may in
harm or damage) including but the circumstances be required
not limited to harm or damage to meet the minimum insurance
by nuclear, chemical, biological requirements of the Road
and/or radiological means; Traffic Acts.
when any such act is committed by
any person(s) or group(s) of persons in
whole or in part for political, religious,
ideological or similar purposes, or is
claimed to be committed in whole or
in part for such purposes:
• Any action taken in controlling,
preventing, suppressing or in any
other way relating to (a) above.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 17
Additional Covers 17
Additional Covers
Exceptions to Section 3 of your policy
Section 3
Injury to you or to your This personal accident insurance does
spouse/ domestic partner not cover:
1. corporate bodies or firms.
If you or your spouse/domestic partner 2. death or bodily injury arising from
suffer accidental bodily injury in direct suicide or attempted suicide.
connection with your car or while
getting into, out of or travelling in any Section 4
other private car, not belonging to you Medical expenses
or hired to you under a hire purchase
agreement, we will pay to the injured If you, or any other person in your car,
person £2,500 if, within three months are injured as a direct result of your
of the accident, the injury is the sole car being involved in an accident, we
cause of: will pay the medical expenses arising
in connection with that accident. The
• death
most we will pay for each injured
• irrecoverable loss of sight in one person is £100.
or both eyes
• loss of any limb. Section 5
The most we will pay any one person Rugs, clothing and
personal effects
after any accident is £2,500.
The most we will pay any one person
We will pay you (or, at your request,
during any one period of insurance
the owner) for loss or damage to rugs,
is £5,000.
clothing or personal effects caused by
If you or your spouse/domestic partner fire, theft or accidental means whilst
have any other policies with us in they are in or on your car.
respect of any other car or cars the
The maximum amount payable for
injured person will only be able to
any one incident is £100.
obtain compensation for their injuries
under one policy.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 18
Where the loss or damage arises from Exceptions to Section 7 of your policy
fire, theft or malicious damage, an We will not pay for:
excess of £100 applies unless your car is
1. money, stamps, tickets, documents
in a locked garage at the time of the
or securities
incident. Where this excess applies and
2. goods or samples carried in connection
there are simultaneous claims for loss or
with any trade or business.
damage arising from fire, theft or
malicious damage under other sections 3. any rugs, clothing and personal effects
of the policy, all such claims will be if your vehicle is a motor caravan.
combined and only one excess applied.
Section 8
Section 6 Emergency treatment
Child seat cover
We will refund payments any person
If you have a child seat fitted in your car using any car covered by this policy
and your car is involved in an accident has made under the Road Traffic Acts
or damaged following fire or theft we for emergency treatment.
will contribute up to £100 per child seat
If we make a payment under this
towards the cost of a replacement even
section, this will not affect your
if there is no apparent damage, subject
no-claim discount.
to you making a claim under Section I of
your policy. Section 9
No Claim Discount
Section 7 If you do not make a claim under
Payments made under
your policy, we will increase your
compulsory insurance
no-claim discount when you renew
regulations and rights
of recovery your policy in line with the scale we
apply at that time.
If the law of any country in which this We do not grant no-claim discounts
policy operates requires us to settle for policies running for less than
a claim which, if this law had not 12 months. If we allow you to transfer
existed we would not be obliged to this policy to another person, any
pay, we reserve the right to recover no-claim discount you have already
such payments from you or from the earned will not apply to the person to
person who incurred the liability. whom the policy is being transferred.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 19
Additional Covers 19
Exceptions to Section 11 of your policy
Section 10
Glass in windscreens, We will not pay for the following:
sunroofs or windows 1. Loss of use, reduction in value,
wear and tear, or mechanical, electrical
Any payment we make for repairing or computer breakdowns, failures or
or replacing glass in your car’s breakages.
windscreen, sunroof or windows (or 2. Loss of value following a repair.
for any scratches on the bodywork 3. Loss or damage arising from theft
caused directly by the broken glass) while the ignition keys of your car
will not affect your no-claim discount. have been left in or on the car.
Section 11 Section 12
Suspending cover Continental use/compulsory
insurance requirements
If your car will be out of use for a
continuous period of 28 days or more, In compliance with EU Directives this
and this is not a result of any loss or policy provides, as a minimum, the
damage covered by this policy, we may necessary cover to comply with the laws
suspend your cover and refund part of on compulsory insurance of motor
your premium for the laid-up period. vehicles in:
We will pay this refund when you ask
for the cover to start again. If you • any country which is a member of
want us to suspend your cover, you the European Union
must return your certificate of motor • any country which the Commission
insurance immediately. of the European Communities is
During the period when cover is satisfied has made arrangements to
suspended, we will continue to meet the requirements of Article
provide cover for loss or damage 7(2) of EC Directive 72/166/EEC
caused by fire or theft while your relating to civil liabilities arising
car is in a locked private garage. from the use of a motor vehicle.
A refund of premium is not allowable In addition to this minimum cover, the
under a policy where the total period policy provides the cover shown in the
of cover is less than 12 months. schedule in any country in the
territorial limits, subject to:
The cover is not available if your car is a
Motor Caravan/Mobile Home. • your car being normally kept in
Great Britain, Northern Ireland, the
Channel Islands or the Isle of ManSMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 20
Additional Covers continued
• use of your car for visits to the Continent’ booklet. This booklet
countries outside Great Britain, contains useful information on driving
Northern Ireland, the Channel abroad, what to do and who to
Islands and the Isle of Man being of contact in the event of an accident
a temporary nature, not exceeding and statements in the main European
three months in any one trip. languages for presentation to the
police or other officials confirming
Cover includes:
that you have proper insurance to
• transit by sea, air or rail in or
drive in their countries.
between countries within the
territorial limits There is no cover for countries outside
the territorial limits. We may,
• reimbursement of any customs duty
however, be prepared to extend cover
you may have to pay after
to certain places by special request,
temporarily importing your car into
in which case we will provide you
any country within the territorial
with a Green Card and an additional
limits, subject to your liability
premium will be required.
arising as a direct result of a claim
covered under this policy
Section 13
• general Average contributions, Replacement locks
Salvage charges and Sue and Labour
charges whilst your car is being If the car keys or lock transmitter of
transported by sea between any your car is lost or stolen we will pay
countries within the territorial limits, for the cost of replacing:
provided that your car is covered for
loss or damage under this policy. • the door locks and/or boot lock
• the ignition/steering lock
If you take your car abroad
All countries within the territorial • the lock transmitter and central
limits have agreed that a Green Card locking interface.
is not necessary for cross border travel. Provided that you can establish to
Your certificate of motor insurance our satisfaction that the identity or
should, therefore, provide sufficient garaging address of your car is known
evidence that you are complying with to any person who is in possession of
the laws on the compulsory insurance your keys or transmitter.
of motor vehicles in any of these
countries that you visit. Your No Claim Discount will not be
disallowed solely as a result of a claim
If, however, you contact your under this section.
insurance adviser at least two weeks
before departure, he/she will be able
to provide you with our ‘Driving onSMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 21
Additional Covers Continued 21
RAC will arrange for the following:
Section 14
Continental breakdown and (a) If your car breaks down, or
accident recovery
(b) Is disabled as a result of an accident
covered under Section 1 of your
If you have Standard Comprehensive policy whilst being driven by you or
cover, as indicated in your policy any person permitted to drive as
schedule, you also qualify for described under ‘Persons or Classes
continental breakdown and of Persons entitled to drive’ in the
accident recovery. certificate of motor insurance.
No breakdown cover or accident Whilst you are in the UK:
recovery applies whatsoever if you
have Third Party Fire and Theft or • a self-drive hire car, including
Third Party Only cover. collision damage waiver and a
replacement Green Card if
If you have Comprehensive Gold necessary up to a value of £750, if:
cover, as indicated in your policy
schedule, you can also enjoy – as a result of a road accident,
breakdown cover in Great Britain, fire or theft within seven days
Northern Ireland, the Channel Islands before your departure, your
and the Isle of Man. vehicle cannot be repaired or
recovered (in the case of theft)
This section provides breakdown in time for the journey; or
cover and accident recovery for the
territorial limits of the policy excluding – your vehicle breaks down on the
Great Britain, Northern Ireland, the way to the port you are leaving
Channel Islands and the Isle of Man, from and RAC confirms that it
although the breakdown service will cannot be repaired the same day.
be provided if you are on route to or Please note that any hired
from a port immediately prior to or vehicle provided in the UK
subsequent to travelling abroad. cannot be taken abroad. Once
Cover is provided in the specific you are abroad the cover stated
instances below by RAC Motoring under section ‘Whilst you are
Services and/or RAC Insurance Limited abroad’ will be provided.
and is subject to an overall limit of
£2,500.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 22
Additional Covers continued
Whilst you are abroad: • a replacement driver, if a registered
doctor declares the only qualified
• emergency roadside assistance
driver is medically unfit to drive and
up to a maximum of £175 (not
there are no passengers who can
including the cost of any parts).
legally drive the car to complete the
If your car cannot be repaired
journey. In these circumstances it
immediately it will be taken to
will be at the discretion of RAC
a nearby garage. In the event of
whether a replacement driver is
a breakdown we will pay either:
provided, to enable you to reach
– a contribution towards labour your destination or return home.
charges if it is possible to repair
• repatriation of the car to your home
your vehicle to enable you to
address or your nominated repairer
continue your journey on the
in Great Britain, Northern Ireland,
same day, or
the Channel Islands or the Isle of
– inspection fees to confirm your Man, if your car cannot be repaired
vehicle cannot be repaired by before the end of your holiday
your return travel date. period, subject to the cost of the
repatriation not exceeding the
• onward transportation, if your
market value of your car.
car cannot be repaired within
12 hours, we will provide you with • emergency repairs to make your
a replacement car to enable you vehicle secure again if the
with up to 14 days self-drive car windows, windscreen or locks of
hire (including collision damage your vehicle have been damaged
waiver, delivery charge and Green by somebody trying to break into
Card if required), or we will pay for it. In this instance you must obtain
standard/second class rail, a police report.
or both, so that you and up to
• passing an urgent message from our
7 passengers are able to continue
control centre to your relatives or a
your journey or return home.
close business colleague if your
Any hired vehicle cannot be brought vehicle cannot be moved as
into the United Kingdom, as we will it has broken down or been in an
arrange for a second hire vehicle, accident, damaged by fire or stolen.
costs for which are limited to £250,
• if your vehicle cannot be
to get you home once you return to
reasonably repaired as a result of
the United Kingdom. RAC will use
fire or theft which has happened
its best endeavours to find a car of
abroad during the journey and it
similar, but not exact, specification
has to be scrapped under Customs
as your own car to ensure that
supervision in the country where
you can carry the same number of
it is situated, or it has been stolen
passengers and amount of luggage.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 23
Additional Covers Continued 23
abroad during the journey and In providing breakdown assistance
has not been found, we will pay RAC employees and contractors will
indemnity against Continental use reasonable care and skill when
or Irish Customs claims for any providing the service. RAC can,
liability for duty claimed. This does however, cancel services or refuse to
not include any import duties that provide them if, in their opinion the
do not relate to your vehicle. demands made are excessive,
unreasonable or impractical.
Whilst you are abroad RAC may,
at its discretion, offer you or any We will provide emergency assistance
permitted driver: by one of our contractors in the event
of vehicle breakdown, accident, fire or
• overnight accommodation expenses
theft, or when the only qualified
for the driver and passengers up
driver is unfit to drive. This cover
to £35 per person per day, subject
applies in any country within the
to an overall maximum of £560
territorial limits or any other country
in total. This does not include,
where we have agreed to an
however, the cost of meals or drinks.
extension of cover and have issued
• If you are intending to camp but you with a Green Card.
your tent is stolen or accidentally
Every effort is made to ensure a
damaged so that you cannot use it,
quality service is provided in Eastern
we will pay up to £35 per person
European countries but this may not
each day towards accommodation
necessarily be of the same standard
expenses to a total of £560 or, in
as in Western Europe. The situation
certain circumstances, authorise the
varies from country to country but
cost of a replacement tent. This does
time delays may occur, telephones
not include any damage to your tent
are sometimes not available, garage
caused by weather conditions, or any
facilities may be inadequate, spare
cost if your tent was stolen and you
parts are often not available, etc. You
do not get a police report.
should also be aware that unleaded
If we have agreed to an extension fuel may not be widely available.
of the territorial limits and you have
Remember: Always carry all vehicle
been issued with an international
and insurance documentation when
motor insurance card (Green Card) the
driving and never leave it in an
breakdown cover outlined above is
unattended vehicle.
extended to apply to these countries,
but only for the period shown in the
Green Card.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 24
Additional Covers continued
Exceptions to Section 14 of your policy
Telephone Numbers Continental breakdown and accident
recovery will not cover:
If you are unfortunate enough to • the cost of any ferry crossings or
require Breakdown and/or Accident toll charges
Assistance, please use these telephone • the cost of recovery of your car if it is
numbers: stuck in water, a bog, a ditch or on a
Calls from outside the UK: beach or if it has been overturned
unless this forms part of your
(00 44) 161 866 4114 insurance claim
Calls from within the UK: • the cost of spares or parts, petrol,
0800 678 999 oil, keys or other materials and
garage labour
Once your details have been taken, • any vehicle that cannot be recovered
one of our Personal Incident Managers by normal trailers or transporters
will ring you back, if possible,
• breakdown due to lack of oil or water,
and explain the appropriate action
frost damage, rust or corrosion, or
for your circumstances.
unserviceable/unroadworthy tyres.
• the transportation of any vehicle or
trailer that contains horses or livestock
• the cost of any self-drive car hire
collection charges
• any cost arising from an incident not
reported to our control centre
• the cost of any meals or any other
extra hotel costs
• any vehicle which is carrying a
dangerous or illegal load.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 25
Additional Covers and General Exceptions 25
General Exceptions
Your policy does not cover the following: (c) Any vehicle driven by you, unless you
1. Any accident, injury, loss or damage hold a licence to drive the insured
while any vehicle that is insured under vehicle or have held a licence and
this policy is being: are not disqualified from holding or
obtaining such a licence.
(a) Used otherwise than for the
purposes described under the (d) Driven by anyone else with your
‘Limitations as to use’ section of general consent who, to your
your certificate of motor insurance knowledge, does not have a licence
to drive your car, has never held
(b) Driven by any person other than
one or is disqualified from holding
anyone who is described under the
or obtaining such a licence.
section of your certificate of motor
insurance headed ‘Persons or 2. Any liability you have accepted in an
Classes of Persons entitled to drive’. agreement which you would not have
We will not withdraw this cover: had if that agreement did not exist.
i. while your car is in the custody 3. (a) Loss or destruction of, or damage to,
or control of a member of the any property or any associated loss or
motor trade for the purposes of expense, or any other loss; or
maintenance or repair, or while (b) Any legal liability,
your car is being parked by that is directly or indirectly caused by,
an employee of a hotel or contributed to by or arising from:
restaurant or car parking service
i. ionising radiations or
ii. if the injury, loss or damage was contamination by radioactivity
caused as a result of your car from any irradiated nuclear fuel
being stolen or having been or from any nuclear waste from
taken without your permission the combustion of nuclear fuel
iii. by reason of the person driving ii. the radioactive, toxic explosive or
not having a driving licence, if other hazardous properties of
you had no knowledge of such any explosive nuclear assembly
deficiency. or nuclear component thereof.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 26
General Exceptions continued
4. Any consequence whatsoever resulting 7. A seat occupied by a child would fall
directly or indirectly from or in for replacement when:
connection with any of the following • the repairs include the renewal (not
regardless of any other contributory solely repair) of cosmetic or structural
cause or event: panels of the vehicle, excluding from
(a) War, invasion, act of foreign panels such as superficial grill panels
enemy, hostilities or a warlike and cover panels OR
operation or operations (whether • where the airbag(s) have deployed
war be declared or not), civil war, or the seat belts require replacement
rebellion, revolution, insurrection, due to accident impact.
civil commotion assuming the
proportions of or amounting to an
uprising, military or usurped power
(b) Any action taken in controlling,
preventing, suppressing or in any way
relating to (a) above except so far as
is necessary to meet the requirements
of the Road Traffic Acts.
5. Any accident, injury, loss or damage
(except under Section 2) arising during
or as a result of:
(a) An earthquake
(b) A riot or civil commotion that
happens outside Great Britain,
the Isle of Man or the Channel
Islands except where such liability
is required to be covered by the
Road Traffic Acts.
6. Any accident, injury, loss or damage if
your vehicle is registered outside Great
Britain, Northern Ireland, the Isle of
Man or the Channel Islands.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 27
General Exceptions and General Conditions 27
General Conditions
3. You must tell the police immediately if
Claims procedure any property is lost, stolen or damaged.
1. As soon as reasonably possible Cancelling this policy
after any accident, injury, loss or
damage (including glass damage), you
or your legal personal representatives 4. After any statutory cooling off period,
must telephone us giving full details of you continue to have the right to
the incident. cancel your policy at any time during
Any communication you receive about its term. If You do so, you will be
the incident should be sent to us entitled to a refund of the premium
immediately. You or your legal personal paid subject to a deduction for the
representatives must also let us know time for which you have been
immediately if anyone insured under covered. This will be calculated on a
this policy is to be prosecuted as a pro-rata basis for the period which
result of the incident or if there is to be You received cover and an additional
an inquest or a fatal accident inquiry. charge of up to £10 (subject to
Insurance Premium Tax where
2. You, or anyone else claiming under this applicable) to cover the administrative
policy, must not admit to any claim, cost of providing the policy.
promise any payment or refuse any
claim without our written consent. If we For motor insurance policies you
want to, we can take over and conduct should also return your certificate of
in your name, or the name of the motor insurance immediately
person claiming under the policy, the following cancellation.
defence or settlement of any claim or We (or any agent we appoint and
take proceedings for our own benefit to who acts with our specific authority)
recover any payment we have made may cancel this policy by sending
under this policy. We shall have full 7 days notice to your last known
discretion in the conduct of any address. You will be entitled to a
proceedings or the settlement refund of the premium paid subject
of any claim. The person who is seeking to a deduction for the time for which
payment under this policy shall give us you have been covered.
all the information and assistance
necessary for us to achieve a settlement.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 28
General Conditions continued
If you do not pay the premium or any
part of the premium under the payment Arbitration
option you have chosen, by the due
date, we may cancel this policy with 7. Except for claims under Section 3,
effect from the end of the last period where we have accepted a claim
for which a payment has been made. and there is disagreement over the
amount to be paid, the dispute must
be referred to an arbitrator to be
Other insurance
agreed between you and us in
accordance with the law at the time.
5. If at the time of any claim arising under When this happens, a decision must
this policy there is any other insurance be made before you can take any
policy covering the same loss, damage legal action against us.
or liability, we will only pay our share
of the claim. This condition does not Your duty to comply with
apply to personal accident benefits policy conditions
under Section 3, which will be paid
as indicated under that section. This 8. Our provision of insurance under this
provision will not place any obligation policy is conditional upon you observing
upon us to accept any liability under and fulfiling the terms, provisions,
Section 2 which we would otherwise conditions and clauses of this policy.
be entitled to exclude under Exception
1. to Section 2.
Fraud
Your duty to prevent loss
or damage 9. If any claim is in any way fraudulent
or if you or anyone acting on your
6. You shall at all times take all behalf has used any fraudulent means,
reasonable steps to safeguard your including inflating or exaggerating the
car from loss or damage. You shall claim or submitting forged or falsified
maintain your car in efficient condition documents, all benefit under this policy
and we shall have, at all times, free shall be forfeited.
access to examine your car.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 29
General Conditions 29
Monthly premiums Car sharing and insurance
10. If you have chosen to pay monthly 12. If you receive a contribution as part of
premiums, you must pay the first two a car sharing arrangement involving
monthly premiums by the date the the use of any car insured under this
insurance starts. If you do not pay the policy for carrying passengers for
first premium we may cancel this social or similar purposes, we will not
policy with effect from the start date. consider this to be carrying passengers
You must pay one monthly premium for hire or reward provided:
on the same day each month, starting
• the vehicle is not constructed or
in month two and ending in month
adapted to carry more than eight
11. When the policy is renewed you
must pay one premium a month. If passengers (excluding the driver)
you do not pay a monthly payment on • the passengers are not being
the date that it is due, this will give us carried in the course of a business
the right to cancel this policy from the of carrying passengers
date the premium was due.
• the total contributions received
We will give you one month’s cover for the journey concerned do
for each monthly premium you pay not involve an element of profit.
during the period of insurance.
Important
Mileage
13. If your car is used under a car sharing
11. We reserve the right to establish
arrangement and there is any doubt
the mileage on your car at any time
as to whether this arrangement is
where your policy has been rated on a
covered by the terms of your policy
selected annual mileage basis. Where
you should immediately contact us
the annual mileage has been exceeded
for confirmation.
your premium will be increased to that
which applies to the mileage driven.
If we become aware that the annual
mileage has been exceeded at the
time of a claim the additional premium
will be deducted from the claim
payment. The higher premium will
apply from the commencement of
the period of insurance.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 30
Complaints Procedure
What will happen if
Our Promise of Service
you complain?
Our goal is to give excellent service to • We will acknowledge your complaint
all our customers but we recognise that promptly.
things do go wrong occasionally. We take
all complaints we receive seriously and • We aim to resolve complaints,
aim to resolve all our customers’ problems following assessment and
promptly. To ensure that we provide the investigation, within five working days
kind of service you expect we welcome of receipt.
your feedback. We will record and
Most of our customers’ concerns can be
analyse your comments to make sure we
resolved quickly but occasionally more
continually improve the service we offer.
detailed enquiries are needed. If this is
likely, we will contact you with an update
and give you an expected date of
response.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 31
Complaints Procedure 31
Financial Ombudsman Service
What to do should you
South Quay Plaza
be dissatisfied
183 Marsh Wall
London E14 9SR
Seek resolution by your insurance advisor,
Telephone: 0845 080 1800
Adrian Flux.
Note that the FOS will only consider
If you are disappointed with any aspect of
your complaint if you have given us the
the handling of your insurance we would
opportunity to resolve it and you are
encourage you, in the first instance, to
a private policyholder, a business with
seek resolution by contacting your
a group annual turnover of less than
Insurance Advisor or contact us at Adrian
£1 million, a charity with an annual
Flux. You can write to us at Adrian Flux
income of less than £1 million or a trustee
Insurance Group, East Winch Hall,
of a trust with a net asset value of less
East Winch, Kings Lynn, PE32 1HN or
than £1 million. If, however, we do not
telephone us on 0870 2250111,
resolve your complaint within 40 working
whichever suits you, and ask your contact
days, the FOS will accept a direct referral.
to review the problem.
Whilst we are bound by the decision
If you remain unhappy with the decision
of the FOS, you are not. Following the
you receive from us, you may write to the
complaints procedure does not affect
Chief Executive.
your right to take legal action.
Chief Executive UK Insurance
Aviva
PO Box 6, 8 Surrey Street
Norwich NR1 3NS.
If you are dissatisfied with our final
decision (from the Chief Executive
Officer), you can refer the matter to the
Financial Ombudsman Service (FOS).SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page 32
Financial Services Compensation Scheme
Financial Services
Compensation Scheme
Our obligations are covered by the
Financial Services Compensation Scheme
(FSCS). If we were unable to meet our
obligations you may be entitled to
compensation from the scheme,
depending on the type of insurance
and the circumstances at the time.
For cover required by the Road Traffic
Acts you would be covered in full for
any claim, for any other type of claim
you would be covered for all of the
first £2,000 and 90% of the remainder,
in each case without any upper limit.
Further information about the scheme
arrangements is available on the FSCS
website www.fscs.org.uk or write to
Financial Services Compensation Scheme,
7th Floor, Lloyds Chambers, Portsoken
Street, London E1 8BN.SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page IBC3
SMOPC0994_A_79397_POB.qxp:SMOPC0994_A_79397_POB 24/4/09 14:45 Page OBC4
Administered by: Adrian Flux Insurance Group, East Winch Hall, East Winch, Kings Lynn, PE32 1HN Telephone 0870 2250111
www.adrianflux.co.uk
Underwritten By: Aviva Insurance UK Limited. Registered in England Number 99122.
Registered Office: 8 Surrey Street Norwich NR1 3NG.
Authorised and regulated by the Financial Services Authority.
SMOPC0994 06.2009 (A)You can also read
