CAR HIRE INSURANCE Policy Document
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CAR HIRE INSURANCE
Policy Document
Questor Insurance Services Limited
1st Floor West Suite A
Orchard House
Station Road
Kent ME8 7RS
United Kingdom
Tel: +44(0) 844 855 4702
Email: assistance@questor-insurance.co.uk
Web: www.questor-insurance.co.uk
Version 7.0 - Page 1WELCOME
Introduction
Thank you for choosing Questor Insurance Services Limited
and welcome to peace of mind Car Hire Insurance. The
information in this policy wording contains important
What makes up this policy?
information and we have made it as easy as possible to This policy and the Certificate of Insurance must be read
understand. Please take time to read through it and contact together as they form your insurance contract.
us if you need any further information.
Monetary limits
Questor Insurance Services Limited We insure you up to the amount of the sum(s) insured or
Is authorised and regulated by the Financial Conduct other specified limit(s), all of which will be shown on the
Authority (firm reference number 466942) for the sale and Certificate of Insurance accompanying this policy.
administration of general insurance products in the United
Kingdom and throughout the Members of the European Daily or Annual Policies
Economic Area (EEA).
This insurance can be purchased as either a daily policy
insuring a single car hire agreement up to 180 days
Insurer (minimum 1 day) in length or as an annual policy insuring
unlimited car hire agreements up to 31 days each car hire
This policy is Underwritten by White Horse Insurance agreement.
(Ireland) Limited through a facility operated and managed by
Strategic Insurance Services Limited (master policy number If an annual policy is purchased the limits shown in the
C00147/11/00) an insurance intermediary authorised and policy document are for each car rental agreement covered
by this policy.
regulated by the Financial Conduct Authority (firm reference
number 307133).
Cooling off period
White Horse Insurance Ireland Limited are regulated in the Questor Insurance will refund in full your premium, if, within
Republic of Ireland by the Central Bank of Ireland. 14 days of purchasing this insurance you decide that it does
not meet your needs providing that you have not
White Horse Insurance Ireland Limited commenced your trip, reported or are intending to report a
Travel House, Bay 89.2 Free Zone West, Shannon, County claim. Once the 14 days has expired you have no right to a
Clare, Republic of Ireland refund if you cancel this insurance.
Demands and needs statement Jurisdiction and law
This Insurance is designed for any person eligible to
This insurance is issued from the United Kingdom and shall
purchase this insurance undertaking car hire with a licensed
be governed by the laws of England, whose courts alone
car hire agency or car club and where you have a financial
shall have jurisdiction in any dispute arising from this
liability under the terms and condition of the car hire
insurance.
agreement.
Who is eligible to purchase Car Hire Claims
We have appointed White Horse Administration Services Ltd
insurance? to handle claims on our behalf: -
Any person: - White Horse Administration Services Ltd
PO Box 5633
1. Holding a valid or internationally recognised driving Walsall WS6 9BB
licence Phone: 0871 664 7995
2. Eligible to rent and drive the vehicle and able to adhere Email: queries@white-horse.ie
to the terms of the car hire agreement
3. If you are renting from a Car Club you and any other
driver are Members of the Car Club and are authorised
Claims Notification
to drive the vehicle rented To notify your Insurers of a loss please call or email White
Horse Administration Services Ltd to obtain a claim form.
Version 7.0 - Page 2Once received please fully complete, sign and date the Under body of the vehicle means the underside of the
claim form and return it with all supporting documentation: - vehicle excluding bumpers and trim.
1. Copy of your Certificate of Insurance “You, your” means the person(s) named on the car rental
2. Copy of your Car Hire Agreement agreement and included on the certificate of insurance as
3. A copy of your Charge Receipt (if separate from the named drivers and which attaches to this policy. The lead
CarHire Agreement) person on the certificate of insurance must also be the lead
4. A copy of the Law Enforcement / Police Report, if person named on the car rental agreement.
required by law in the country where the loss occurs.
5. Hirer‟s copy of the Car Hire Company accident damage “We, us, our” means White Horse Insurance Ireland Ltd.
report and breakdown if damage exceeds £250
6. Invoices / Receipts / other documents confirming the “Worldwide” means any country.
amount you have paid in respect of Accident /Damage /
Loss etc. for which the Vehicle Rental Company holds
you responsible
General conditions in addition to those
7. Copy of your credit card statement showing payment of shown elsewhere in this policy
the damages claimed
1. The due observance and fulfilment of all the terms and
8. Copy of the driving licence of the person involved in the
conditions of this insurance by you or anyone acting on
accident (the driver)
your behalf.
9. Name and address of your bank together with the sort
2. Written notice of accidents, proceedings or any other
code and account details.
events that may give rise to a claim shall be given to the
claims office in writing within 31 days. All certificates,
Failure to provide this information may result in your claim
information and evidence required by the claims office
being delayed. If a claim is made or suit is brought against
shall be furnished at the expense of the Insured Person
the named insured, the named insured shall immediately
or their legal representatives.
forward to the Company every demand, notice, summons or
3. Except with our written consent, you or your
other process received by him /her or his/her representative.
representative(s) are not entitled to admit liability on our
behalf or to give any representations or other
undertakings binding upon us. We shall be entitled to
Definitions the absolute conduct, control and settlement of all
proceedings arising out of or in connection with claims
“Car Hire Company“means a company licensed in the
in your name.
territory in which it is situated to provide vehicles for rental.
4. We may at our own expense take proceedings in your
name to recover compensation from any third party in
"Car Hire Agreement" means the contract signed by the
respect of any indemnity provided under this Insurance
Lead named driver (who must be the name on the Insurance
and any amounts recovered shall belong to us. You
Certificate as issued) that states the excess to which the
agree to render all reasonable assistance to us to
lead named driver is responsible, who must also be the
recover such amounts.
Policyholder.
5. No Car Hire Agreement longer than 31 continuous days
for Annual Policies and no Car Hire Agreement longer
“Europe” means all countries West of the Ural Mountains,
than 180 continuous days for Daily Policies;
British Isles, Ireland, islands in the Mediterranean, Morocco,
6. This insurance is provided for one Hire Vehicle at any
Tunisia, Turkey, Canary Islands, Madeira, Iceland and the
one time, which may be driven and operated by you
Azores.
unless you have purchased the Dual Lead Driver
optional extra.
“Public Highway” is deemed as any road made or unmade
7. Cover will take effect from the time you take legal
that is intended for use by the general public.
control of the Hire Vehicle and will cease at the time the
car Hire Company assumes control of the Hire Vehicle
"Hire Vehicle" means any automobile rented under a
whether at its business location or elsewhere.
contract on a daily or weekly basis from such a rental
8. This policy must have been purchased prior to the
Company or Agency, which must be fully licensed with the
commencement of a Car Hire Agreement for which you
regulatory authority of that Country, State or Local authority.
wish this policy to be operative.
”Trip" means any rental Vehicle, which is collected and
rented from a Licensed Rental Company or Agency. General exclusions that apply to the
“UK” means England, Wales, Scotland, Northern Ireland,
whole policy
Channel Islands and the Isle of Man. 1. Insured Persons who have not paid in full the
appropriate or additional premium.
Version 7.0 - Page 32. Alcoholism or the use of alcohol or drugs (other than
Optional Extras
drugs taken in accordance with treatment prescribed
and directed by a registered medical practitioner, but The following endorsements are operative if shown on the
not for the treatment of drug addiction) . certificate of insurance and the appropriate additional
3. Loss or damage directly or indirectly occasioned by premium has been paid: -
happening through or in consequence of war, terrorism,
invasion, acts of foreign enemies, hostilities (whether 1. Dual lead driver
war be declared or not), civil war, rebellion, revolution, 2. Extended rental cover
insurrection, military or usurped power or confiscation 3. Supplementary Liability Insurance
or nationalisation or requisition or destruction of or
damage to property by or under the order of any Please see Appendix 2 for details.
government or public or local authority.
4. Where there is dual insurance, please let us know, so Complaints Procedure
that we pay our proportion of your claim.
5. Claims or incidents that may give rise to a claim must We do everything possible to make sure that you receive a
be reported to the Claims Office in accordance with the high standard of service. If you are not satisfied with the
Claims Process. service that you receive, please contact in the first instance,
6. Any fraudulent, dishonest or criminal act committed by your agent or the Issuing Agent with whom the policy was
the Insured Person(s) or with whom he / she is in taken out, if you remain dissatisfied then you should address
collusion, or insurance effected in circumstances where your enquiry/complaint to:
a claim might reasonably be anticipated.
7. Loss arising from operation of the vehicle in violation of The Customer Services Manager
the terms of the Car Hire Agreement. Questor Insurance Services Ltd
8. Expenses assumed, waived or paid by the Rental 1st Floor West Suite A
Orchard House
Agency or its Insurers.
Station Road
9. Automobiles, or other vehicles, which are not Rental Kent ME8 7RS
Vehicles. Email: assistance@questor-insurance.co.uk
10. Wear, tear and mechanical breakdown. Please provide full details of your policy and in particular
11. Losses arising out of illegal activities. your policy number to help your enquiry to be dealt with
12. Driving by persons who are not named on the Rental speedily.
Agreement or where the lead driver is not the
Policyholder If you are still not satisfied with the way in which your
13. The rental of any vehicle which at the first date of enquiry/complaint has been dealt with, then you should
registration, the vehicle is more than 20 years old. contact:
14. Any vehicle with a Retail Purchase Price in excess of The Financial Ombudsman‟s Service
£50,000 will not be insured unless specifically agreed South Quay Plaza
by the underwriters (minimum of 4 working days) prior 183 Marsh Wall
to rental. London
15. The rental of certain vehicles, namely: motor homes, E14 9SR
trailers or caravans, trucks, commercial vehicles,
motorcycles, mopeds, motorbikes, off-road vehicles, Or if the complaint is directly in relation to the Insurer: -
recreational vehicles, vans, vehicles with more than 9 Financial Services Ombudsman‟s Bureau
rd
seats, vehicles changed from factory specifications. 3 Floor Lincoln House
16. Expenses reimbursed by the Insured Person's Lincoln Place
Employers' Insurer. Dublin2
17. Losses occurring from driving whilst not on a public Ireland
highway.
18. Losses occurring from driving on safaris or adventure
trails.
Compensation Scheme
19. Coverage must coincide with the rental agreement; The Financial Services Compensation Scheme covers both
coverage will be voided if the coverage either for the White Horse Insurance Ireland and Questor Insurance
insurance policy or the rental agreement does not Services Limited. You may be entitled to compensation
coincide. No policy can be issued retroactively. from the scheme if we cannot meet our obligations. This
20. Towing costs that are in excess of £ 500 per incident. depends on the type of business and the circumstances of
the claim. Insurance advising and arranging is covered for
90% of the claim, without any upper limit. Further
information about compensation scheme arrangements is
available from the FSCS (www.fscs.org.uk).
Version 7.0 - Page 4WHAT‟S COVERED
shall be made available on request to any
representative of the Underwriters or medical
Section 1 – Excess Reimbursement adviser appointed by or on behalf of Underwriters
What is covered and that such medical adviser or advisers shall, for
This Section covers You for ANY physical loss or damage to the purposes of reviewing the claim, be allowed so
the Hire Vehicle for which you are responsible for under the often as may be deemed necessary to make
terms of the Car Rental Agreement. examination of the Insured Person.
2. 3. Underwriters at their own expense shall have the
This section includes loss or damage to windscreens and right and opportunity to examine the Insured
any auto glass, roof, tyres and the under body, fire, theft, Person whose Bodily Injury is the basis of a claim
vandalism, towing costs and loss of use of the Rental when and as often as they may reasonably require
Vehicle. during the pendency of a claim hereunder and to
make an autopsy in case of death, where the law
Limits does not forbid it.
The Excess shown on the Car Hire Agreement but not more 3. 4. Any claim made under this insurance in respect
than: - of Permanent Total Disablement shall be subject to
the approval of two independent medical referees,
European Cover: £5,000 one to be appointed by the Insured Person and one
Worldwide Cover: £50,000
by Underwriters. In the event of the aforesaid
each Car Hire Agreement. independent medical referees being unable to
concur, in their opinion that the Insured Person is
The amount that can be claimed in respect of towing costs is Permanently Totally Disabled, a third independent
limited to £500 each car rental agreement. medical referee will be appointed by them and his
decision shall be final and binding upon all parties.
Section 2 – Personal Accident 4. 5. This certificate of insurance constitutes the entire
contract. No change in this certificate of insurance
What is covered shall be valid. No person has authority to change
To indemnify you to £10,000 per accident against accidental
this certificate of insurance or any of its terms or
death or permanent total dismemberment following an
conditions, other than authorised signatories of
accident provided always that benefit will only become due
Strategic Insurance Services Limited.
for payment if the accident giving rise to bodily injury is
6. Any fraud, concealment, or deliberate
sustained: -
misstatement either in the application on which this
insurance is based or in relation to any other matter
Whilst an Insured Person is travelling in, mounting into affecting this insurance or in connection with the
or dismounting from any covered Hired Vehicle, as making of any claim hereunder shall render this
herein defined, or insurance null and void and all claims hereunder
By an Insured Person as a result of being struck by any shall be forfeited. 7. The Insured Person is deemed
motor vehicle during the course of the Car Hire to have made a recovery when he is able to
Agreement perform his duties and related activities associated
with an occupation.
Conditions 8. Words in the masculine gender shall include the
1.Notice must be given to Underwriters as soon as feminine.
reasonably practicable of any Accident which causes or
may cause disablement or Bodily Injury within the Scale of Permanent Disabilities
meaning of this insurance, and the Insured Person The percentage of the sum insured in respect of Permanent
must, as early as possible, place himself under the care Total or Permanent Partial Disablement is shown in
of a duly qualified independent medical practitioner. Appendix 1.
Notice must be given to Underwriters as soon as
reasonably practicable in the event of death of the
Insured Person resulting or alleged to result from an Exclusions
This insurance does not cover death or disablement directly
Accident.
or indirectly arising out of or consequent upon or contributed
1. 2. It is a condition precedent to Underwriters'
to by: -
liability to pay compensation to the Assured or his
1. Radioactive contamination;
representatives, that all medical records, notes and
correspondence referring to the subject of a claim
Version 7.0
Page 52. The Insured Person committing suicide or 4. Claims not reported to an appropriate police authority
attempted suicide or committing or attempting to within 24 hours of discovery and an official police report
commit an intentional self-injury; obtained;
3. The Insured Person being incapable due wholly or 5. Claims where the evidence of forced entry have not
partly to mental illness or emotional or behavioural been confirmed by the hire car company and/or police;
conditions; 6. Claims from an unattended vehicle between the hours
4. The Insured Person's deliberate exposure to of 20:00 and 08:00;
exceptional danger (except in an attempt to save 7. Claims arising from theft or damage to household
human life), or the Insured Person's own criminal goods or anything shipped as freight or under a bill of
act; lading;
5. The Insured Person being under the influence of 8. Claims arising from theft or damage of articles from
alcohol exceeding those levels defined by law for Your hire car unless taken from a locked boot or glove
the use of a motor vehicle in the country in which box;
the Insured Person is domiciled;
6. The Insured Person being under the influence of
drugs or narcotics that are not lawfully available or
Section 4 – Key Cover
which have not been prescribed by or taken in What‟s covered
accordance with the instructions of an independent This insurance also covers you, the Insured Person, for
qualified medical practitioner; costs incurred up to a maximum of £500 (or equivalent in
7. The death of the Insured Person arising from local currency), for each and every claim, subject to a
Illness; maximum of £2,000 in any one year, for replacing a lost or
8. The Insured Person engaging in or taking part in stolen rental car key, including replacement locks and
naval, military or air force service or operations; locksmith charges unless only the parts needed to be
9. The Insured Person committing or attempting to changed.
commit a criminal act;
10. A Pre-existing Condition. Section 5 – Curtailment
11. Human Immunodeficiency Virus (HIV) and/or HIV
related illnesses including Acquired Immune What‟s covered
This Certificate of Insurance will provide a benefit if the car
Deficiency Syndrome (AIDS) or AIDS Related
rental is cancelled or cut short on the advice of a physician.
Complex (ARC) and/or any mutant derivative or
The insured must be confined to a bed in a hospital, in a
variations thereof, however caused.
hotel or in private accommodation during such time that the
car rental was booked and paid for.
Section 3 – Baggage Cover
What‟s covered The insured persons must present both Car Hire Agreement
The Underwriter hereby agrees to the extent and in the documents and a medical certificate as to the time he/she
manner hereinafter provided, to indemnify You against theft has been confined to bed. The car rental must be confirmed
of article(s) or damage to article(s) as a result of theft or for at least a minimum of seven (7) days, proof of the
attempted theft, following visible and forcible entry, to booking and duration of rental may be requested by White
baggage and/or personal effects (as herein defined), after Horse Administration Services Ltd.
such theft or damage are proved. Provided such items are
secured in your hire vehicle in either locked boot or glove Limits
box only. Total indemnity in respect of Curtailment shall be £30 per
day up to £300 in the aggregate.
Limits
£300 in total for any one claim £150 for any single item. The Section 6 – Drop off Charges
maximum payment for any single item for which an original
What‟s covered
receipt, proof of purchase or insurance valuation (obtained In the event of there being no insured persons on the Car
prior to the loss) is not supplied is £75, subject to a Hhire Agreement to return the Hire car to the original car
maximum £200 for all such items. hire station following an accident/illness for which
hospitalisation takes place, the policy will indemnify the
What‟s NOT covered policy holder for drop off charges incurred through the car
In addition to the General Exclusion of the policy, the Insurer rental station.
shall not be responsible for:
What‟s NOT covered
1. An Excess of £50 each and every claim; In addition to the General Exclusion of the policy, the Insurer
2. Claims arising from theft or damage of cash and shall not be responsible for:
valuables;
3. Wear, tear and depreciation of the article(s); One-way hires are not covered under this enhancement.
Version 7.0 - Page 6Section 10 – Road Rage Cover
Limits What‟s covered
The maximum amount payable under this section is £300.
We will pay You or Your legal representative £1,000 (or
Section 7 – Lock out equivalent in local currency) in any one period of cover and
in all, if You suffer a physical assault by another person
What‟s covered which results in Bodily Injury as a direct result of an accident
In the event that a named insured unintentionally locks that has involved Your Hire Vehicle
himself/herself out of a rented vehicle, costs incurred up to
open the car, without causing any further damage to the said What‟s NOT covered
rented car) will be reimbursed. In addition to the General Exclusion of the policy, the Insurer
shall not be responsible for:
The CarHhire Company must approve the locksmith prior to
a locksmith being called out. A physical assault caused by a relative or a person
known to You.
A Bodily Injury not supported by medical evidence.
Limits An incident not reported within 24hrs of it
The maximum amount payable under this section is £100.
taking place.
Where you or one of Your passengers contributed
Section 8 - Near Home Rental either vocally or physically to the incident, other
than the initial incident.
What‟s covered An Incident outside the Territory of cover.
The terms and conditions of this policy are amended to allow
car hires to commence within 150Kms of the Policyholder‟s
permanent home address. Section 11 – Car Jacking Cover
What‟s covered
Section 9 - Mis-fuelling
In the event that the wrong type of fuel is put into the hired We will pay You or Your legal representative £1,000 (or
car by any person named on the Certificate of Insurance, equivalent in local currency) in any one period of cover and
in all, if You suffer a physical assault by another person
which results in Bodily Injury as a direct result of theft or
What‟s covered attempted theft of Your Hire Vehicle
We will indemnify you up to £500 for costs you incur in
respect of: - What‟s NOT covered
In addition to the General Exclusion of the policy, the Insurer
1. Flushing the engine of the incorrect fuel shall not be responsible for:
2. Additional travel expenses
3. Vehicle recovery A physical assaulcaused by a relative or a person
known to You.
What‟s NOT covered A Bodily Injury not supported by medical evidence.
In addition to the General Exclusion of the policy, the Insurer An incident not reported within 24hrs of it taking
shall not be responsible for: place.
Where you or one of Your passengers contributed
either vocally or physically to the incident, other
4. Repairs to the engine or associated parts than the initial incident.
5. Costs associated with any missed departure An Incident outside the Territory of cover.
6. Consequential losses
Version 7.0 - Page 7APPENDIX 1 – BENEFITS PAYABLE UNDER
SECTION 2 PERSONAL ACCIDENT
Permanent Disablement
Total loss of sight of both eyes 100%
Total incurable insanity 100%
Loss of both arms or both hands 100%
Complete deafness of both ears, of traumatic origin 50%
Removal of lower jaw 50%
Loss of speech 50%
Loss of one arm and one leg 100%
Loss of one arm and one foot 100%
Loss of one hand and one foot 100%
Loss of one hand and one leg 100%
Loss of both legs 100%
Loss of both feet 100%
Permanent Disablement – Head
Loss of one eye 40%
Permanent Disablement - Upper Limb Right Left
Loss of one arm or one hand 50% 40%
Considerable loss of osseous substance of the arm (definite and incurable lesion)
30% 20%
Total paralysis of the upper limb (incurable lesion of the nerves) 45% 35%
Simultaneous amputation of thumb and Forefinger 25% 25%
Permanent Disablement - Lower Limbs
Amputation of thigh (upper half) 60%
Amputation of thigh (lower half) and leg 50%
Total loss of foot (tibio-tarsal disarticulation) 35%
Partial loss of foot (sub-ankle-bone disarticulation) 25%
Total paralysis of lower limb (incurable nerve lesion) 60%
Complete paralysis of two nerves (poplitic sciatic external and internal) 25%
Anchylosis of the hip 25%
Loss of osseous substance from the thigh or both bones of the leg (incurable condition) 35%
Loss of osseous substance of the knee-pan with considerable separation of the fragments and considerable 25%
difficulty of movements in stretching the leg
Shortening of the lower limb by at least 5 cm 30%
Permanent disabilities not mentioned above should be compensated in accordance with their seriousness as compared with that
of those mentioned, the occupation of the Insured Person not being taken into consideration.
The partial or total “functional” disablement, not specifically dealt with in the Schedule of Permanent Disabilities, of a limb or an
organ is treated like the partial or total loss of the said limb or organ.
The total compensation payable in respect of several disablements due to the same accident, is arrived at by adding together
the various sums, but shall not exceed the total sum insured.
If the Insured Person is left-handed the percentage set out above for the various disabilities of the right upper limb and left upper
limb will be transposed.
Version 7.0
Page 8APPENDIX 2 – OPTIONAL EXTRAS
The following Optional Extras are operative when shown on the certificate of insurance and the appropriate premium has been
paid. Once included the optional extras cannot be removed or refunded unless the policy is cancelled within the 14 days cooling
off provision.
Dual Lead Driver Defence, Settlement and Supplementary
The terms and conditions of this policy are amended to payments
allow two lead drivers, persons named on the certificate, to
rent vehicles independently of each other. Both persons As respects the insurance afforded by the other terms of
must be permanently resident at the Policyholder‟s this policy under Coverage A, we shall:
address.
1. Defend in your name and on your behalf any suit
against you alleging such injury or destruction and
Annual policy - extended any one hire seeking damages on account therefore, even if
We agree to extend the maximum length of any one car such suit is groundless, false or fraudulent; but the
rental agreement to 60 days. we may make such investigation, negotiation and
settlement of any claim or suit as it deems
expedient;
Supplementary Liability Insurance 2. Pay all premium on bonds to release attachments
(Not available for hires in the same country as where you for an amount not in excess of the application
live) limited of liability of this policy, all premiums on
What you are covered for appeal bonds required in any such defended suit,
a) Excess Liability the cost of bail bonds required of the named
insured in the event of an accident during the
We agree to indemnify you for all sums which you shall policy period, not to exceed the usual charges of
become legally obligated to pay as damages, in surety companies up to US $100 per bail bond,
accordance with the laws of the jurisdiction in which the but without obligation to apply for or furnish any
claim and/or suit is brought because of bodily injury, such bonds;
including death, at any time sustained to any person or 3. Pay all expenses incurred by us, all costs taxed
property caused by accident and arising out of the use of against you in any such suit and interest accruing
any automobile leased or rented by you. after entry of judgment until we have paid,
tendered or deposited in court such part of such
The words „bodily injury‟, and the word „injury‟ when judgment as does not exceed the limit of our
referring to bodily injury, shall be deemed to include liability;
“sickness or disease”. The words „any person‟ shall not 4. Pay expenses incurred by you for such immediate
include any person to whom Exclusion 2(vi) applies. The medical and surgical relief to others as shall be
words „property damage‟ shall mean injury to, or imperative at the time of the accident; and
destruction of, tangible property. reimburse you for all reasonable expenses, other
than loss of earnings, incurred at our request.
Limit of Indemnity is $1,000,000 in excess of the mandatory
local limit required by law or the limit provided by the car We shall not be obliged under this policy to pay the cost of
rental company whichever is the higher. bonds or expenses of investigation, settlement or defence
arising out of any criminal action against you. The amounts
b) Uninsured Motorist/Hit and Run incurred under this policy, except settlements of claims or
suits, are payable by the us in addition to the applicable
To pay all sums which you or your legal representative limit of liability, but are proportionate to our total liability
shall be legally entitled to recover as damages from the under this policy.
owner or operator of an uninsured automobile because of
bodily injury and/ or property damage sustained by you, Definitions
caused by accident and arising out of the ownership,
maintenance or use of such uninsured automobile.
Policyholder:
Limit of Indemnity is $100,000 any single incident and total. With respect to the insurance for bodily injury liability and
for property damage liability the unqualified word “insured”
c) Inadequately Insured Motorists Compensation applies to the certificate holder, identified herein as the
“named insured”, and also includes any other operator
Balance of compensation awarded to you or your confirmed specifically designated in the Certificate of Insurance who
travelling companions following injury by any motorists is legally responsible for the use of an automobile not
whose insurance is inadequate to meet the awards made. owned or hired by such other person or organisation. For
Coverage‟s B and C, named insured shall include all
Limit of Indemnity is $100,000 any single incident and total. members of the booking party named on the certificate.
This insurance with respect to any person or organisation
other than the named insured does not apply:
Version 7.0 - Page 91. The identity of either the operator or owner of such
1. To any automobile owned by the named insured “hit -and-run automobile” cannot be ascertained;
or other designated operator; and
2. To any automobile while used in a business or 2. The named insured or someone on his/her behalf
occupation of such named insured operated by shall have reported the accident within twenty four
such named insured; (24) hours to the police, a peace or judicial officer,
3. To any person or organisation, or to any agent or or to the Commissioner of Motor Vehicles, and
employee thereof, operating an automobile repair shall have filed with the Company within thirty (30)
shop, public garage, sales agency, service station days thereafter a statement under oath that the
or public parking place, with respect to any named insured or his legal representative have
accident arising out of the operation thereof; and cause or causes of action arising out of such
4. To any employee with respect to injury to or accident for damages against a person or persons
sickness, disease or death of another employee of whose identity is unascertainable, and setting
the same employer injured in the course of such forth the facts in support thereof.
employment in an accident arising out of the
maintenance or us of the automobile in the
business of such employer.
Occupying:
Means in, or upon, or entering into, or alighting from.
Automobile:
Except where stated to the contrary, the word “automobile”
Underinsured Automobile:
means a land motor vehicle, designed and licensed for Means an automobile with respect to the ownership
travel on public roads, but does not include mobile maintenance or use to which a bodily injury and property
equipment. damage liability bond or policy applies at the time of the
accident but its limit for bodily injury liability and property
damage liability is less than the limit of liability for this
Uninsured Automobile: coverage.
1. An automobile with respect to the ownership,
maintenance or use of which there is, in at least
the amount specified by the financial responsibility
Purpose of use:
law of the state in which the rented or leased 1. Pleasure and Business is defined as personal,
automobile is principally garaged, no bodily injury pleasure, family and business use.
liability or property damage liability bond or 2. Commercial travelling shall mean business use to
insurance policy applicable at the time of the obtain orders for products or services without prior
accident with respect to any person or arrangement of an appointment.
organization legally responsible for the use of
such automobile, or with respect to which there is Exclusions
a bodily injury liability and property damage
1. Applying to all cover under this Optional Extra
liability bond or insurance policy applicable at the
i. While the automobile is used as a public
time of the accident but the Company writing the
or livery conveyance;
same denies coverage there under; or
ii. To any accident or to any loss directly or
2. A hit-and-run automobile but, only with respect to
indirectly arising from or occasioned by
bodily injury and property damage caused
or in consequence of war, invasion, act of
thereby.
foreign enemies, hostilities or warlike
operations (whether war be declared or
But excludes:
not), mutiny, civil war, rebellion,
1. An insured automobile;
insurrection or military or usurped power;
2. An automobile, which is owned or operated by a
iii. While the automobile is used for
self-insurer within the meaning of any motor
commercial travelling, racing, pace
vehicle financial responsibility law or any similar
making, speed-testing or the carriage of
law;
goods or samples except with any trade
3. An automobile which is owned by any government
or business;
unit or agency;
iv. To use for any purpose in connection
4. A land motor vehicle or trailer if operated on rails
with the Motor Trade;
or crawler treads or while located for use as a
v. If the named insured or any other
residence or premises and not as a vehicle; or
designated operator authorised to drive
5. A farm-type tractor or equipment designed for use
the automobile does not hold a valid
principally off public roads, except while actually
driver‟s license to drive the automobile;
upon public roads.
or
vi. To any claims or liability arising directly
Hit-and-Run automobile: or indirectly from Nuclear Fission,
Means an automobile, which causes bodily injury or Nuclear fusion or Radioactive
property damage to named insured arising out of physical Contamination.
contact of such automobile with the named insured or with
an automobile, which the named insured is occupying at 2. Under a)
the time of the accident, provided: i. To liability assumed by the named
insured under any contract or agreement;
Version 7.0 - Page 10ii. While the automobile is used for towing
of any trailer owned by or hired by the
named insured and not covered by like
insurance in the Company;
iii. To bodily injury to or death of any
employee of the named insured while
engaged in the employment of the
insured if benefits thereof are either
payable or required to be provided under
any Worker‟s Compensation law, plan or
scheme;
iv. To any obligation for which the named
insured or any Company as his insurer
may be held liable under any Worker‟s
Compensation law, Plan or scheme;
v. To injury to or destruction of property
owned by, rented to, in charge of or
transported by the named insured; or
vi. Claims made against the named insured
by any person related to the insured by
blood, marriage or adoption in those
states where such claims are either
prohibited by law or are legally
unenforceable.
3. Under b and c
i. To bodily injury to the named insured
with respect to which such named
insured, or his legal representative or any
person entitled to payment shall, without
written consent of the Company, make
any settlement with any person or
organisation who may be legally liable
therefore;
ii. To bodily injury to the named insured
while occupying an automobile owned by
a named insured or any relative resident
in the same household or through being
struck by such an automobile; or
iii. So as to insure directly or indirectly to the
benefit of any Workmen‟s Compensation
or disability benefits carrier of any person
or organisation qualifying as a self-
insurer under any Workmen‟s
Compensation or disability benefits law
or any similar law.
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