Premier Motor policy wording - Home & Legacy Broker Insurance
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Premier Motor
p o l i c y wo r d i n g
c o n tac t
For further information about Home & Legacy
Premier Motor please contact your insurance
intermediary or call Home & Legacy on
0344 893 8360.
Visit our website at www.homeandlegacy.co.uk
ACPERHL1539_6 02.21
Home and Legacy Insurance Services Limited is a wholly owned subsidiary of Allianz Holdings plc and is registered in England number
3007252. Registered office: 57 Ladymead, Guildford, Surrey GU1 1DB. Home and Legacy Insurance Services Limited is authorised and
regulated by the Financial Conduct Authority.
Financial Services Register number is 307523. Please note that telephone calls may be recorded for our joint protection, training and/
or monitoring purposes.
February 2021
Please insert your policy schedule here
+44 (0) 20 3117 7777 (from overseas)
0344 893 8360
Home and Legacy Insurance Services Limited
usefu l n u m ber sFinding your way around
Welcome 2 Additional Cover 7 – Hospital expenses 28
Additional Cover 8 – Key & locks 28
Important advice information 3
Additional Cover 9 – Medical expenses 28
Making a claim – useful information 4 Additional Cover 10 – Personal accident 28
Additional Cover 11 – Personal belongings 29
Things we need to tell you about 6
Additional Cover 12 – P
ersonalised vehicle 29
This policy 6
registrations
Home & Legacy 6
Additional Cover 13 – Physiofast 30
The insurers and administrators 6
Additional Cover 14 – Revocation of driving licence 30
What our words mean 7
Additional Cover 15 – Road rage 30
Our agreement with you 7
Additional Cover 16 – Suspending cover 30
The cost of the insurance 8
Additional Cover 17 – Using your vehicle abroad 31
The renewal of the contract of insurance 9
Optional Extension 1 – D
amage when driving 32
No claim discount entitlement 9
vehicles belonging to others
Ensuring you have continuous cover 9
Optional Extension 2 – Protected no claim discount 32
Requesting a policy document 9
If your information or circumstances change 10 Section 2 – Your liability to others 33
If you cancel your policy within the first 14 days 10 What is covered 33
If you cancel your policy after the first 14 days 11 What is not covered 35
The Financial Services Compensation Scheme 11 Additional Cover 1 – Y
our liability to others when 36
Use of our language 12 using your vehicle abroad
Our choice of Law 12
Section 3 – Motor legal expenses 37
Telephone recording 12
Part A – Uninsured loss recovery 37
Privacy notice (how we use your information) 12
Part B – Motor prosecution defence 38
Motor insurance database 17
Part C – Motor contract cover 39
Making a complaint 17
Claims settlement conditions 41
What our words mean 19
Section 4 – UK & European breakdown & recovery 44
Section 1 – Loss or damage to your vehicle 24 Part A – Emergency assistance 44
What is covered 24 Part B – Message relay 44
What is not covered 26 Part C – Chauffeur cover 44
Additional Cover 1 – Alternate transport costs 27 Part D – Vehicle recovery 4
Additional Cover 2 – Car jacking 27 Part E – Repatriation 45
Additional Cover 3 – Child car seats 27 Exclusions 46
Additional Cover 4 – Emergency treatment expenses 27 Claims conditions 47
Additional Cover 5 – Future disability 28
General policy exclusions 48
Additional Cover 6 – Glass damage 28
General policy conditions 51
A B O U T HOM E A N D L E G AC Y I N S U R A N C E SE RV IC E S L I M I T E D
Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB United Kingdom. Registered in England & Wales
No. 3007252. Authorised and regulated by the Financial Conduct Authority, Home and Legacy’s Financial Services
Register number is 307523 and permitted business is advising on and arranging general insurance contracts.
Please note that telephone calls may be recorded for our joint protection, training and/or monitoring purposes.
1Welcome
Thank you for choosing Home & Legacy as the provider for your insurance.
Welcome to your Premier Motor Insurance policy. The policy is suitable for those
requiring the necessary covers along with additional flexibility and benefits to
suit their lifestyle.
This policy document, along with your policy schedule, certificate of insurance
and statement of facts, sets out everything you need to know about your
Premier Motor Insurance. Please keep them together, somewhere safe.
We hope your experience of us so far has been a positive one. We are
committed to giving you a first-class level of service, at every stage.
As you already know, we specialise in high net worth car insurance, but we
also offer a range of home and landlord policies, as well as worldwide travel
and building works insurance.
We understand people are as unique as their insurance needs so if we can be of
any further assistance to you, just tell us your situation – either via your trusted
insurance intermediary or directly if you do not use an insurance intermediary –
and let our professionally trained staff do the rest.
Barry O’Neill
Managing Director
Home and Legacy Insurance Services Limited
Home and Legacy Insurance Services Limited is a wholly owned subsidiary of Allianz Holdings plc. and is registered in
England and Wales No. 3007252. Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB, United Kingdom.
Home and Legacy Insurance Services Limited is authorised and regulated by the Financial Conduct Authority.
Financial Services Register number 307523.
2Important advice information
FOR GE N E R A L A DV IC E Contact the insurance intermediary you consulted to arrange you policy. If you
did not consult an insurance intermediary, please contact Home & Legacy.
Contact Home & Legacy:
From the UK 0344 893 8360
From overseas +44 (0)20 3118 7777
Lines are open Monday to Friday 9am to 5pm (not bank or public holidays).
FOR L EG A L A DV IC E Your policy includes access to Lawphone to give advice, 24 hours a day, 365
days a year, on any personal legal matter. The advice you get from Lawphone
& A S SI STA NC E
will always be according to the laws of Great Britain and Northern Ireland.
Contact Lawphone: 0370 241 4140
When you call Lawphone please confirm that you are a Home & Legacy Motor
legal expenses policyholder. You will then be asked for a brief summary of the
problem and these details will be passed on to an adviser who will return your call.
Lines are open Monday to Friday 9am to 5pm (not bank or public
holidays).
FOR I DE N T I T Y If you have become a victim of identity theft or require information on protecting
your identity, your policy gives you access to guidance and advice. Whether you are
PROT EC T ION
worried about the theft or loss of your registration number or receive an unexpected
call from the authorities regarding a motor vehicle related crime which you haven’t
committed, such as a speeding fine or a parking ticket you will be provided with
up-to-date information on protecting yourself from identity theft, warning signs and
prevention tips, and advice on what to do if you become a victim of identity theft.
Contact the Identity Protection Helpline
0800 0511 703
Lines are open 8.00am–8.00pm, 7 days a week.
TO R E P ORT C L A I M S Please have your policy number to hand when you call to report any claim.
For guidance on how to make a claim, please refer to page 4 and the General
policy condition headed ‘Your duty when you have a claim’ on page 49.
Contact the Home & Legacy claim helpline
From the UK 0330 102 1772
From overseas +44 (0) 1483 218 431
The Home & Legacy Helpline is staffed 24 hours a day, 7 days a week,
365 days a year.
Telephone calls may be recorded for our joint protection, training and/or
monitoring purposes.
3Making a claim – useful information
If you need to make a claim, report a breakdown or an incident that may result
in a claim under any section of this policy, you must call the Home & Legacy
Helpline on:
0330 102 1772 for calls made inside the UK
+44 (0) 1483 218 431 for calls made outside the UK
The Home & Legacy Helpline is staffed 24 hours a day, 7 days a week,
365 days a year.
To make the process as easy as possible for you, all claims can be reported
using the same telephone number. You will be prompted to select the most
appropriate service to ensure that you are directed to the right administrator.
1 If you need to report the theft or attempted theft of your vehicle, you must
report the incident to the police as soon as the incident is discovered and
obtain a crime reference number.
2 You must not admit responsibility or make an offer of payment or
compensation for any incident in which you are involved without our
written permission.
3 You should send all letters and correspondence relating to an incident to us
or your insurance intermediary without replying to it.
4 We will not be responsible for the cost of any work carried out or parts used
without our authorisation. If you agree to use an approved repairer, there is
no need to get an estimate however if you use your preferred repairer you
must send us an estimate for authorisation. If we think that the estimate
is unreasonable we may choose to negotiate a lower estimate, pay you
the cash equivalent of the price that we consider reasonable or move your
vehicle to another repairer. We have the right to move your vehicle to a place
of safe storage without asking you first.
5 You should ask for the names and addresses of any other drivers or
pedestrians. If there is another driver involved, ask for the name of his or her
insurer and for their insurance policy or certificate number.
6 You must stop and give your name, address, vehicle registration number
and show your certificate of motor insurance to anyone with reasonable
grounds to request it if the incident results in injury to anyone other than you
or damage to another vehicle, property or animal.
7 You should write down the names and addresses of any witnesses and draw
a diagram of the scene.
4Show as much detail as possible and try to include:
• the position of all the vehicles before and after the incident;
• speeds and distances;
• road names and layout;
• where the witnesses were standing and how many passengers were in each
vehicle;
• any obstructions to your or other road users’ view.
If possible take photographs, even on a mobile phone.
I NC I DE N T S A BROA D You may be asked to complete a European Accident Statement (Constat
Amiable D’ Accident Automobile) if you are involved in a road traffic accident
within the EU.
Before signing the completed statement please make sure that the boxes are
ticked and the comments and diagram are correct. You will be given a copy of
the statement which you should send to us as soon as possible. This document
can be legally binding in certain countries and you should not sign anything you
do not understand.
C L A I M S U N DE R Important information about reasonable prospects of success
If you submit a claim under section 3, at all times during your legal action
SEC T ION 3 – MOTOR
reasonable prospects of success must exist in order for us to begin, and
L EG A L E X PE N SE S continue, providing cover under this policy.
In order for us to decide whether reasonable prospects of success exist
we will seek the opinion of the legal representative. If we and the legal
representative do not agree on whether reasonable prospects of success
exist, we will also seek the opinion of any other legally qualified advisor or
other expert appropriate to your claim that we feel it is necessary to consult.
If we believe that reasonable prospects of success do not exist we will end
your claim. If we end your claim due to reasonable prospects of success
no longer existing because you have not complied with Condition 1c or 1d of
Claims Settlement Conditions that apply to Section 3 on page 40 of this policy,
we will not pay any costs incurred during your claim.
If we end your claim due to reasonable prospects of success no longer
existing because of any other reason, we will pay costs incurred up to the date
that we end your claim.
5Things we need to tell you about
T H I S P OL IC Y Premier Motor policy cover is comprehensive and all sections apply
unless your policy schedule shows endorsements saying otherwise.
The cover we provide is subject to the terms, conditions and exclusions
set out in this policy document and any later written notices sent to you
by Home & Legacy.
This policy is not complete without a policy schedule and certificate(s) of
motor insurance. These documents will be issued to you if your application
for insurance is accepted.
Your policy will continue for the period of insurance shown on your
policy schedule and certificate of motor insurance and covers you
during that period.
HOM E & L EG AC Y This policy cover has been arranged and is administered by Home and Legacy
Insurance Services Limited Home and Legacy Insurance Services Limited is a
wholly owned subsidiary of Allianz Holdings plc. and is registered in England
Number. 3007252, Registered Office: 57 Ladymead, Guildford, Surrey GU1 1DB
United Kingdom. Home and Legacy Insurance Services Limited is authorised
and regulated by the Financial Conduct Authority. Financial Services Register
number 307523.
T H E I N SU R E R(S) & Section 1, Loss or damage to your vehicle, and section 2, Your liability to
A DM I N I ST R ATOR(S) others, of this policy are underwritten by; Aviva Insurance Limited, Registered
in Scotland No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH, United
Kingdom. Authorised by the Prudential Regulation Authority and regulated
by the Financial Conduct Authority and the Prudential Regulation Authority.
Financial Services Register number is 202153.
Section 3, Motor legal expenses is arranged by Allianz Legal Protection,
a trading name of Allianz Insurance plc.
Allianz Insurance plc is authorised by the Prudential Regulation Authority
and regulated by Financial Conduct Authority and the Prudential Regulation
Authority. Financial Services Register number 121849.
Section 4, UK & European breakdown & recovery is underwritten by AWP P&C
SA and is administered in the United Kingdom by Allianz Global Assistance (a
trading name of AWP Assistance UK Ltd).
6W H AT OU R In this policy document, many of the words and phrases used have a particular
WOR D S M E A N meaning. When you read them, we want that meaning to be clear so there are
no misunderstandings. The words and phrases which have particular meanings
are defined under the heading “What our words mean” (pages 18 to 22).
Throughout the entire policy document all reference to “Home & Legacy”
means Home and Legacy Insurance Services Limited and reference to
“we, us and our” within each section of this policy means the insurer(s)
who underwrite the cover and/or the provider(s) of the services and the
administrators and/or Home & Legacy acting as agent for the insurer(s).
Wherever these words are used throughout the entire policy document they
will be highlighted in bold print.
OU R AGR E E M E N T Your policy is a legal contract between you and us.
W I T H YOU When you first take out, make changes to, or renew your policy, we will ask
various questions that are relevant to us accepting the risk of insurance, and on
what terms. When you answer those questions, you are required to take care
not to misrepresent any information and to give us all of the information you are
asked for. If you give us incorrect or incomplete information the wrong terms
may be quoted, or we may be entitled to reject payment of a claim, or payment
could be reduced. In certain circumstances your policy might be invalid and you
may not be entitled to a refund of premium.
The following elements form the contract of insurance between you and us,
please read them and keep them safe. We recommend that you keep a record
of all information supplied to us for the purposes of your policy for future
reference.
7Things we need to tell you about
Your policy includes:
• information contained on your application and/or the statement of facts
document which confirms the information given to us by you or your
insurance intermediary;
• your policy schedule, which confirms; the cover we are providing, including
any endorsements (variations in the terms, conditions and/or exclusions of
your policy); the period of insurance; your premium; details about you and
your vehicles; and any excesses that may apply;
• your certificate(s) of motor insurance;
• this policy document which details the cover we provide and the exclusions
and conditions which apply;
• any changes to your policy contained in written notices sent by
Home & Legacy at renewal.
You need to keep all of these documents in a safe place, together with receipts,
other evidence of ownership of your vehicle(s).
Our provision of insurance under your policy is conditional upon you observing
and fulfilling the terms, provisions, conditions and clauses of the policy.
Please examine your policy carefully to ensure it meets your needs. If you do not
understand the terms, exclusions or conditions or if any information is incorrect
or incomplete you must tell your insurance intermediary or Home & Legacy, if
you do not use an insurance intermediary.
T H E CO ST OF T H E The insurance we provide is subject to you paying or agreeing to pay, the
premium by the due date. To calculate your premium, we consider things
I N SU R A NC E
such as:
• the level of cover requested;
• the type of vehicle(s);
• the age(s) of the driver(s)of your vehicle(s);
• the location(s) your vehicle(s) are kept at;
• the estimated annual mileage for your vehicle(s);
• the purpose(s) for which your vehicle(s) are used; and
• accident, claims and conviction history.
Generally, the greater the risk to us, the higher the premium will be. For
example, a policy involving high claims experience or where your vehicle(s)
are being driven an inexperienced driver(s) will have a larger premium than one
where the claims experience is low or where your vehicle(s) are being driven
by an experienced driver(s).
Your premium also takes into account our obligation to pay any taxes that are
levied by HM Government, related to your policy.
8We will tell you the total amount payable, when it needs to be paid and how it
can be paid. This amount will be clearly set out in your policy schedule.
In consideration of the payment of the premium for the period of insurance,
we will provide the cover set out in this policy document for the cover applicable
subject to any endorsements, as shown on your policy schedule.
Your policy ends at midnight on the last day of the period of insurance.
T H E R E N E WA L OF Each renewal of your policy represents a new contract of insurance.
T H E CON T R AC T OF If you tell us about a claim after we work out your renewal terms and premium,
I N SU R A NC E which occurred during the current policy period, renewal terms may be
amended or you may need to pay an extra premium.
The new contract begins on the date when you agree to renew your policy.
You will be covered for the period of insurance shown on your renewal policy
schedule.
NO C L A I M DI SCOU N T We will give you a no claim discount as long as the insurance for your vehicle(s)
has been in force for 12 months and that each renewal period is for a further
ENTITLEMENT
12 months.
If a claim is made under your policy which is not your fault we will not reduce
your no claim discount entitlement.
If your renewal is due and our investigations into your claim are still ongoing
we may reduce the no claim discount for your vehicle provisionally until our
investigations are completed. If we then agree to restore your no claim discount
we will refund any extra premium paid by you.
Third parties may claim directly against us as insurer in the event of an accident,
involving your vehicle, as permitted under the European Communities (Rights
Against Insurers) Regulations 2002. In these circumstances we deal with any
claim subject to the terms and conditions of your policy. This may affect your
no claim discount.
E N SU R I NG YOU H AV E If you are thinking of cancelling or not renewing with us, make sure you can get
CON T I N UOU S COV E R the alternative cover you need before your policy ends.
R EQU E ST I NG A A further copy of this policy document will be sent to you upon request to your
insurance intermediary or Home & Legacy; or can be downloaded from Home
P OL IC Y DOC U M E N T
& Legacy’s website at www.homeandlegacy.co.uk
This policy document and other associated documentation can also be made
available in large print, audio or Braille. If you need any of these formats please
contact Home & Legacy on 0344 893 8360 who will be pleased to organise an
alternative for you.
9Things we need to tell you about
I F YOU R You must tell your insurance intermediary or Home & Legacy as soon as
I N FOR M AT ION possible if there are any changes to your circumstances which could affect your
insurance.
OR C I RC U M STA NC E S
C H A NGE We need to be told about any changes to the information shown on your most
recent certificate of motor insurance, policy schedule or statement of facts
documents or if the information shown is incorrect or incomplete. If we are
not informed of any changes or corrections this may affect your ability to claim
under the policy.
When you tell us of a change of details we will reassess the premium and terms
of your policy, for example we may increase the compulsory excess. You will
be informed of any revised premium or terms and asked to agree before any
changes are made.
Please refer to the General policy condition, Change of circumstances and
information on page 46 of this policy which sets out the circumstances and
the type of information that you are required to tell us about.
In some circumstances we may not be able to continue your policy following the
changes, where this happens you will be told and the policy will be cancelled in
line with the provisions of the General policy condition, Our cancellation rights
on page 48.
I F YOU C A NC E L YOU R You have a legal right to cancel your policy within 14 days from the day of
P OL IC Y W I T H I N purchase or renewal of the contract or the day you receive your policy or
renewal documentation, whichever is later.
T H E F I R ST 14 DAY S
(COOL I NG OF F R IGH T S) If you wish to cancel and the insurance cover has not yet started you will be
entitled to a full refund of the premium paid. If you choose to cancel your policy
and the insurance cover has already started you will be entitled to a refund of
the premium paid except where a claim or an event that may lead to a claim has
occurred during the period of insurance we have provided, in which case the full
annual premium may be payable to us.
If you cancel your cover, all sections of this policy will be cancelled.
You can exercise your right to cancel by contacting the insurance intermediary
through whom you arranged your policy or if you did not arrange your insurance
through an insurance intermediary by contacting:
Home and Legacy Insurance Services Limited
500 Avebury Boulevard
Milton Keynes
Bucks MK9 2LA
Telephone: 0344 893 8360 or if you are calling from overseas
+44 (0) 20 3118 7777
Email: info@homeandlegacy.co.uk
If after 14 days you have not cancelled your policy, your policy will continue for
the agreed period of insurance.
10I F YOU C A NC E L You can cancel the policy at any time by telling us, irrespective of your cooling
YOU R P OL IC Y A F T E R off rights. If you do so, unless you have made a claim or an event has occurred
which may result in a claim, you will be entitled to a refund of the premium paid,
T H E F I R ST 14 DAY S subject to a deduction for the time you have been covered. We will not refund
a premium amount of less than £15 plus Insurance Premium Tax. If you choose
to cancel your policy you will be entitled to a refund of the premium paid except
where a claim or an event that may lead to a claim has occurred during the
period of cover we have provided, in which case the full annual premium may
be payable to us.
For Section 1 – Loss or damage to your vehicle and Section 2 – Your liability to
others, the refund of premium plus Insurance Premium Tax, where applicable, will
be calculated on a proportionate basis for the time for which you have received
cover. For Section 3 – Motor legal expenses and Section 4 – UK & European
breakdown & recovery we do not allow a refund of premium.
If you cancel your policy after the first 14 days, cover under all sections of this
policy will automatically be cancelled.
If the amount due when you cancel the policy is more than the amount you have
paid you may be asked to pay the difference.
You can exercise your right to cancel your policy by contacting the insurance
intermediary through whom you arranged your insurance or if you did not
arrange your insurance through an insurance intermediary by contacting:
Home and Legacy Insurance Services Limited
500 Avebury Boulevard
Milton Keynes
Bucks MK9 2LA
Telephone: 0344 893 8360 or if you are calling from overseas
+44 (0) 20 3118 7777
Email: info@homeandlegacy.co.uk
T H E F I N A NC I A L You may be entitled to compensation from the Financial Services Compensation
Scheme (FSCS) if the insurers cannot meet their liabilities. Further information
SE RV IC E S
about compensation scheme arrangements is available from the FSCS.
COM PE N SAT ION Information can be obtained by visiting the Financial Services Compensation
SC H E M E Scheme website at www.fscs.org.uk or by contacting them at:
Financial Services Compensation Scheme
PO Box 300
Mitcheldean GL17 1DY
Freephone: 0800 678 1100
Tel: 0207 741 4100
Email: enquiries@fscs.org.uk
11Things we need to tell you about
OU R U SE OF Unless otherwise agreed, the contractual terms and conditions and other
L A NGUAGE information relating to this contract will be expressed in the English language
OU R C HOIC E The law of England and Wales will apply to this contract unless:
OF L AW • you and we agree otherwise; or
• at the date of the contract, you are a resident of (or in the case of a business,
the registered office or principal place of business is situated in) Scotland,
Northern Ireland, the Channel Islands or the Isle of Man, in which case (in
the absence of agreement to the contrary) the law applicable in that territory
will apply.
Please note that English Law will apply to section 3, Motor legal expenses.
T E L E PHON E Telephone calls may be recorded for joint protection, training and/or monitoring
R ECOR DI NG purposes.
PR I VAC Y NOT IC E Introduction
This notice explains how we collect, use and store personal information. Your
( HOW W E U SE YOU R
privacy and personal information are important to us and we are committed to
I N FOR M AT ION keeping it protected. We’ve tried to make this notice as clear and transparent
as possible, so you are confident about how we use your information. As data
controller, we are responsible for decisions about how your information will be
processed and managed. You will also find details below regarding your rights
under data protection laws and how to contact us.
1 Who we are and whose personal information we collect
When we refer to “we”, “us” and “our” in this notice it means Home and
Legacy Insurance Services Limited. When we say “you” and “your” and
“individuals” in this notice, we mean anyone whose personal information we
may collect, including:
• anyone seeking an insurance quote from us or whose details are provided
during the quotation process
• policyholders and anyone named on or covered by the policy
• anyone who may benefit from or be directly involved in the policy or a
claim, including claimants and witnesses
• anyone who has a business relationship or transacts business with us or
provides us with a service, such as the insurers who underwrite your
cover, insurance brokers and intermediaries.
122 How we use personal information
We use personal information in the following ways:
• to provide quotes, administer policies and policyholder claims to fulfil our
contract
• to administer third party claims, deal with complaints and prevent financial
crime to meet our legal obligations
• to manage our business, conduct market research and manage our
relationships with insurers and other business partners to meet the
legitimate needs of our business
• to send marketing information about our products and services if we have
received your specific consent.
There is no obligation to provide us with personal information, but we cannot
provide our products and services without it.
Anyone whose personal information we hold has the right to object to us
using it. They can do this at any time by telling us and we will consider the
request and either stop using their personal information or explain why we
are not able to. Further details can be found below.
3 Automated decision making, including profiling
We may use automated decision making, including profiling, to assess
insurance risks, detect fraud, and administer your policy. This helps us decide
whether to offer insurance, determine prices and validate claims.
Anyone subject to an automated decision has the right to object to it. To do so
please contact us using the details in Section 9: Know Your Rights and we will
review the decision.
4 The personal information we collect
The information we collect will depend on our relationship with you. We collect
the following types of personal information so we can complete the activities in
Section 2: How we use personal information:
• basic personal details such as name, age, contact details and gender
• family, lifestyle and social circumstances, such as marital status, dependants
and employment type
• financial details such as direct debit or payment card information
• photographs and/or video, including surveillance to help us manage policies
and assess claims
• tracking and location information if it is relevant to the insurance policy or
claim
• identification checks and background insurance risk details including
previous claims information
• information relating to the use of our websites via the use of cookies
• accessibility details if we need to make reasonable adjustments to help
• business activities if it is relevant to the insurance policy or claim.
13Things we need to tell you about
In certain circumstances, we may request and/or receive special category or
sensitive information about you. We would only collect this information if it is
relevant to the insurance policy or claim or where it is necessary for a legal
obligation:
• your current or former physical or mental health
• criminal offences, including alleged offences, criminal proceedings,
outcomes and sentences (previous criminal convictions, bankruptcies and
other financial sanctions such as County Court Judgements).
5 Where we collect personal information
We collect personal information direct from individuals, their representatives or
from information they have made public, for example, on social media.
We also collect personal information from other persons or organisations,
for example:
• credit reference and/or fraud prevention agencies
• emergency services, law enforcement agencies, medical and legal practices
• insurance industry registers and databases used to detect and prevent
insurance fraud, for example, the Motor Insurance Database (MID), the
Motor Insurers Anti-Fraud and Theft Register (MIAFTR) and the Claims and
Underwriting Exchange (CUE)
• insurance investigators and claims service providers
• insurers or service providers who underwrite the insurance or provide the
services for our products
• other involved parties, for example, claimants or witnesses.
We also collect information from your computer in the form of cookies. Please
refer to our Cookie Policy for more details https://www.homeandlegacy.co.uk/
home/toolbar/privacy.html
6 Sharing personal information
We only share your information when necessary for the purposes stated in
Section 2: How We Use Personal Information.
We may share personal information with:
• other companies within the global Allianz Group www.allianz.com
• credit reference, fraud prevention and other agencies that carry out certain
activities on our behalf, for example, the Motor Insurance Database (MID),
the Insurance Fraud Bureau (IFB)
• our approved suppliers to help deal with claims or to provide and manage
our services, for example, vehicle repairers, legal advisors, loss adjusters,
premium finance companies and risk surveyors
• insurers, third party underwriters, reinsurers, insurance intermediaries,
regulators, law enforcement and the Financial Ombudsman Service (FOS);
and other organisations that provide services to us or you, for example, the
Claims and Underwriting Exchange (CUE)
14• external agencies for market research purposes
• prospective buyers in the event that Allianz Holdings plc wishes to sell all or
part of our business.
7 Transferring personal information outside the UK
We use servers located in the European Union (EU) to store personal
information where it is protected by laws equivalent to those in the UK. We
may transfer personal information to other members of the global Allianz Group
to manage the insurance policy or claim; this could be inside or outside the EU.
We have Binding Corporate Rules (BCRs) which are our commitment to the
same high level of protection for personal information regardless of where it is
processed. These rules align with those required by the European Information
Protection authorities. See Section 12: Allianz Privacy Standards (APS) for
more information about BCRs or contact our Data Protection Officer.
Some of the organisations personal information is shared with have servers
outside the EU. Our contracts with these organisations require them to provide
equivalent levels of protection for personal information.
8 How long we keep personal information
We keep information only for as long as we need it to administer the policy,
manage our business or as required by law or contract.
9 Know your rights
Any individual whose personal information we hold has the following rights
(data subject rights) in relation to how that information is held or processed
by us:
• The right to object – individuals can object to us processing their data and
we will either agree to stop processing or explain why we are unable to
• The right of access – individuals can request a copy of their personal
information we hold, subject to certain exemptions (a subject access
request)
• The right of rectification – individuals can ask us to update or correct their
personal information to ensure its accuracy
• The right to be forgotten – individuals can ask us to delete their personal
information from our records if it is no longer needed for the original purpose
• The right of restriction – individuals can ask us to restrict the processing of
their personal information in certain circumstances
• The right to data portability – individuals can ask for a copy of their
personal information, so it can be used for their own purposes
• The right to withdraw consent – individuals can ask us, at any time, to
stop processing their personal information, if the processing is based only on
individual consent
• The right to make a complaint – individuals can complain if they feel their
personal information has been mishandled. We encourage individuals to
come to us in the first instance but they are entitled to complain directly to
the Information Commissioner’s Office (ICO) www.ico.org.uk
15Things we need to tell you about
If you wish to exercise any of these rights you can do so by contacting
our Operations Director.
Address: Home and Legacy Insurance Services Limited,
500 Avebury Boulevard, Milton Keynes, Buckinghamshire
MK9 2LA
Email: info@homeandlegacy.co.uk
Phone: 0344 893 8360
10 Allianz (UK) Group Data Protection Officer contact details
Home and Legacy Insurance Services Limited is a wholly owned subsidiary of
Allianz Holdings plc
Any queries about how we use personal information should be addressed to
our Data Protection Officer:
Address: Allianz, 57 Ladymead, Guildford, Surrey GU1 1DB
Email: dataprotectionofficer@allianz.co.uk
Phone: 0330 102 1837
11 Changes to our Privacy Notice
This Privacy Notice was last updated in September 2020
Occasionally it may be necessary to make changes to this notice. When that
happens we will provide an updated version at the earliest opportunity.
The most recent version will always be available on our website
www.homeandlegacy.co.uk.
12 Allianz Privacy Standards (APS)
The Allianz Privacy Standard constitutes Allianz’ Binding Corporate Rules
(BCRs) and provides you with information on the rules governing the
international transfer of personal data between Allianz Group companies
operating in the European Economic Area (EEA) and Allianz Group companies
outside that area. The Allianz Privacy Standard also describes your rights
in respect of such transfers, what to do if you want to exercise your rights
or complain about such transfers, and how to contact us. The latest Allianz
Privacy Standard can be found at https://www.allianz.com/en/privacy-
statement.html.
16MOTOR I N SU R A NC E Information relating to your insurance policy will be added to the Motor
DATA BA SE Insurance Database (“MID”) managed by the Motor Insurers’ Bureau (“MIB”).
MID and the data stored on it may be used by certain statutory and/or
authorised bodies including the police, the DVLA, the DVLNI, the Insurance
Fraud Bureau and other bodies permitted by law for purposes not limited to
but including:
• electronic licensing;
• continuous insurance enforcement;
• law enforcement (prevention, detection, apprehension and or prosecution of
offenders);
• the provision of government services and or other services aimed at reducing
the level and incidence of uninsured driving.
If you are involved in a road traffic accident (either in the United Kingdom,
the EEA or certain other territories), we and/or the MIB may search the
MID to obtain relevant information. Persons (including his or her appointed
representatives) pursuing a claim in respect of a road traffic accident (including
citizens of other countries) may also obtain relevant information which is held
on the MID. It is vital that the MID holds your correct registration number. If it is
incorrectly shown on the MID you are at risk of having your vehicle seized by the
police. You can check that your correct registration number details are shown
on the MID at www.askmid.com.
M A K I NG A Our aim is to deliver an excellent service, every time, but if you believe we have
not delivered the service you expected or have any concerns about our service
COM PL A I N T
and wish to make a complaint, let us know by contacting:
The Operations Director
Home and Legacy Insurance Services Limited
500 Avebury Boulevard
Milton Keynes
Bucks MK9 2LA
Telephone: 0344 893 8360 or if you are calling from overseas
+44 (0) 20 3118 7777
Email: info@homeandlegacy.co.uk
If your complaint is about the service you have received from Home & Legacy,
we will investigate it and tell you who is dealing with your complaint. This
individual will have been fully trained to deal with the matter in an objective way.
If your complaint relates to the service provided by your insurance intermediary,
us or any provider of services you are entitled to under this policy, or any of our
agents, your concerns may be passed on for investigation. Home & Legacy will
monitor the progress of their investigation into the resolution of your complaint.
17Things we need to tell you about
Complaints which we or the service providers are required to resolve will be
passed on by Home & Legacy who will tell you if your concerns are redirected
for investigation into your complaint.
The aim is to resolve your concerns within 24 hours, but where this is not
possible, your complaint will be acknowledged in writing promptly.
If the situation has not been resolved within 8 weeks you will be given
information about the Financial Ombudsman Service. The Financial
Ombudsman Service offers a free, independent service for resolving disputes
about most financial matters. In some circumstances a complaint may not be
eligible for referral to the Financial Ombudsman Service. In such cases you
will receive guidance from staff at the Ombudsman about your options, or you
may wish to seek your own professional or legal advice. You have the right
to refer your complaint to the Financial Ombudsman, free of charge – but
you must do so within six months of the date of the final response letter.
If you do not refer your complaint in time, the Ombudsman will not have our
permission to consider your complaint and so will only be able to do so in very
limited circumstances. For example, if the Ombudsman believes that the delay
was as a result of exceptional circumstances.
The Financial Ombudsman Service can be contacted at:
Financial Ombudsman Service
Exchange Tower
London E14 9SR
Website: www.financial-ombudsman.org.uk
Telephone: 0800 023 4567. Calls to this number are free on mobile phones and
landlines.
Telephone: 0300 123 9123. Calls to this number cost no more than calls to 01
and 02 numbers.
These numbers may not be available from outside the UK – so please call us
from abroad on: +44 20 7964 0500.
Email: complaint.info@financial-ombudsman.org.uk
Using the complaints procedure above or referral to the Financial Ombudsman
Service does not affect your legal rights.
18What our words mean
In this policy document we have used some words and phrases that have a
particular meaning. You will find these words along with their particular meaning
below. Wherever these words and/or phrases are used throughout the sections
of this policy document they will be highlighted in bold print.
Some of the words and/or phrases we have used apply only for section
3 – Motor legal expenses or section 4 – UK & European breakdown & recovery.
We have indicated below where the words and/or phrases used refer
specifically for these sections. Unless we have indicated otherwise below
the words and meanings shown will apply for all of the sections.
Accessories and spare parts
Parts of your vehicle which are not directly related to how it works as a
vehicle. This includes audio equipment, multi-media equipment, communication
equipment, personal computers, cameras, satellite navigation and radar
detection systems, providing they are permanently fitted to your vehicle and
have no independent power source.
Certificate of motor insurance
The current document that proves you have the motor insurance required
by the Road Traffic Acts to use your vehicle on a road or other public place.
It shows who can drive your vehicle, and what you can use it for and whether
you are allowed to drive other vehicles.
The certificate of motor insurance does not show the cover provided.
Commercial vehicle
A mechanically propelled road vehicle which is constructed primarily for the
carriage of goods.
Contaminant or pollutant
Any solid, liquid or gaseous irritant, impurity, toxin or poison including smoke,
vapour, soot, fumes, acids, alkalis, chemicals, biological agents and waste.
Endorsement
A change to the terms of this policy or the cover provided by it. If any
endorsements apply to your policy they will be shown on your policy
schedule.
Excess
The amount you have to pay if you make a claim. Additional excesses apply
if your vehicle is driven by a young or inexperienced driver. The excesses
applicable are shown on your policy schedule.
Fire
Fire, self-ignition, lightning and explosion.
Green card
A document required by certain non-EU countries to provide proof of the
minimum compulsory insurance cover required by law to drive in that country.
Ignition keys
Any key, device or code used by you to secure, gain access to and enable your
vehicle to be started and driven.
19Immediate family
Your following relatives provided they live with you at your permanent
UK address:
• partner;
• parents, step parents and adoptive parents;
• grandparents, step grandparents and adoptive grandparents;
• children, step children and adoptive children;
• siblings, step siblings and adoptive siblings;
• in-laws, step in-laws and adoptive in-laws.
Incident
An event or the first of a series of events which may result in a claim under this
policy.
Inexperienced driver
Any driver of your vehicle who has not held a full United Kingdom driving
licence for more than 12 months.
Loss of any Limb
Severance at or above the wrist or ankle, or the total and permanent loss of use
of a hand, arm, foot or leg.
Market value
The cost of replacing your vehicle and/or its accessories and spare parts
and manufacturers’ optional extras at the time of the loss or damage with one
of a similar make, model, age, mileage, condition and specification. We will use
publications such as Glass’s Guide to assess the market value.
Partner
The person to whom you are legally married or with whom you have entered into
a civil partnership or with whom you live with as if you were their husband, wife
or civil partner.
Period of insurance
The time that this policy is valid for as shown on your certificate of motor
insurance and policy schedule.
Personal belongings
Personal property within your vehicle including portable audio equipment,
multi-media equipment, communication equipment, personal computers,
cameras, satellite navigation and radar detection systems not permanently
fitted to your vehicle.
Policy schedule
The document which includes your details and specifies the cover provided by
your policy and any endorsements applying to your policy.
Road Traffic Acts
Any Acts, Laws or Regulations, which govern the driving or use of any motor
vehicle in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
20What our words mean
Statement of facts
The document which includes the information you have provided us with.
Territorial limits
United Kingdom, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech
Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece,
Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta,
Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania,
San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the
Vatican City. It also includes travelling between these countries by air, rail or sea,
including loading and unloading.
Theft
Theft, attempted theft or taking your vehicle without your consent.
Total loss
When we consider your vehicle cannot be repaired because it has suffered
damage to the extent which means we consider it to be beyond repair
(written off).
United Kingdom or UK
England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel
Islands.
Unattended
When neither you nor any passengers are sitting on or in your vehicle.
Your vehicle
Any motor vehicle described in your policy schedule and any other motor
vehicle for which details have been supplied to us and a certificate of motor
insurance bearing the registration mark of that motor vehicle which has been
delivered to you in accordance with the Road Traffic Acts and remains effective.
Any motor 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.
Any motor vehicle loaned to you or a permitted driver shown on your
certificate of motor insurance for up to seven days by a garage, motor
engineer or vehicle repairer while the motor vehicle described in your policy
schedule is being either serviced, repaired or having an MOT test.
Vehicle specification
A vehicle of the same or a lesser engine size (but not more than 3000cc) than
your vehicle named on your policy schedule that is in the custody or control
of a member of the motor trade.
We, our, us
The insurers and/or Home & Legacy and/or the administrators who are acting
on behalf of the insurers (refer to pages 6 and 7).
You, your, insured, policyholder
The person named as the insured on the policy schedule and certificate of
motor insurance and any other person(s) who are named on the documents as
a driver(s) of your vehicle.
21Your representative
Any person not named on your certificate of motor insurance who has your
permission to act on your behalf in connection with this insurance and who is
notified to us beforehand.
A PPL IC A BL E FOR Civil case
A legal action which does not involve the defence of any criminal prosecution
SEC T ION 3
against you.
Replace the definition Legal Costs and Expenses and add new definition for
damages as per the below.
Costs
Where we have given our written agreement, we will pay the following on your
behalf.
• The professional fees and expenses reasonably and properly charged by the
legal representative on the standard basis, up to the Guideline Hourly Rates
set by the Senior Court Costs Office, which you cannot recover from your
opponent.
• Your opponent’s legal costs and expenses incurred in a civil case which you
are ordered to pay by a court or which you pay to your opponent with our
written agreement.
We will only pay costs which are necessary and in proportion to the value
of your claim. If we do not agree that the costs have been reasonably and
properly incurred, or are necessary and in proportion to the value of your
claim, we will have those costs assessed in accordance with Condition 3 f of
Conditions that apply to Section 3 on page 40 of this policy.
We will only start to cover costs from the time we have accepted your claim in
writing and appointed the legal representative.
Damages
Money that a court says your opponent must pay to you or money your
opponent agrees to pay to you to settle your legal action.
Legal representative
A solicitor or other person appointed with our agreement under this policy to
represent you.
Reasonable prospects of success
There are reasonable prospects of success if, at all times during your civil
case against your opponent, it is more likely than not that:
• a court would:
i) decide the legal action under Section 3, Parts 2 or 3 in your favour (this
includes making a successful appeal or successfully defending an appeal
following a decision made in respect of your claim by a court); or
ii) award you a more favourable settlement than has already been offered by
your opponent;
22What our words mean
and
• if you are seeking damages from your opponent, you will recover them.
We explain in more detail how we will decide if your legal action has
Reasonable prospects of success under ‘Important information about
reasonable prospects of success’ on page 5 of this policy.
Standard basis
The normal method used by the court to assess costs which the court decides
are proportionate to your legal action and have been reasonably incurred by the
legal representative and your opponent.
Territorial limit
Great Britain, Northern Ireland, Channel Islands, Isle of Man, Andorra, Austria,
Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia,
Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia,
Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway,
Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia,
Slovenia, Spain, Sweden, Switzerland and the Vatican City.
The territorial limit for Section 3 Motor legal expenses, Part C, Motor contract
is Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
A PPL IC A BL E Breakdown
An electrical or mechanical fault or failure to your vehicle which immediately
FOR SEC T ION 4
renders your vehicle immobilised
You, Your
Any person named on your certificate of motor insurance and any person
travelling in your vehicle with your permission at the time of the breakdown
up to a maximum of eight people including the driver.
Your vehicle
Any vehicle shown on your policy schedule together with any caravan or
trailer (including horse trailer and/or non-motorised horsebox) that it is towing
which is:
• no longer than 5.1 metres;
• no heavier than 3,500 kilograms;
• no higher than 1.95 metres; and
• no wider than 2.1 metres (excluding folding items such as wing mirrors);
If the vehicle you are in breaks down while you are towing a caravan, trailer
or horsebox, we will recover the vehicle and the caravan, trailer or horsebox,
as long as the caravan, trailer or horsebox is not more than:
• 8 metres long;
• 3 metres high; and
• 2.55 metres wide.
The vehicle you are travelling in must carry a serviceable spare tyre and wheel,
and a key that will let us remove a wheel secured by wheel nuts for the vehicle,
caravan or trailer, if it is designed to carry one.
23Section 1 –
Loss or damage to your vehicle
T H E COV E R Section 1 sets out the cover we give for your vehicle(s), what is not covered
and how we pay claims.
There are General policy exclusions and General policy conditions that apply to
all sections of this policy and these can be found on pages 42 to 50.
Details of how to report a claim and useful information about making a claim
can be found on pages 3 and 4.
W H AT I S COV E R E D Loss of or damage to your vehicle
If your vehicle is lost, stolen or damaged, we may:
• pay for your vehicle to be repaired; or
• replace your vehicle; or
• pay you a cash amount equal to the loss or damage.
The same cover also applies to accessories and spare parts and components
for your vehicle while these are in or on your vehicle or while in your private
garage.
The most we will pay will be the market value of your vehicle at the time of
the loss.
If you cannot drive your vehicle as a result of damage insured under this policy,
we will pay the reasonable costs of:
• protecting your vehicle and removing it to the nearest approved repairers;
and
• delivering your vehicle back to your address in Great Britain, Northern
Ireland, the Channel Islands or the Isle of Man after the repairs have been
carried out.
If we know that you are still paying for your vehicle under a hire purchase
or leasing agreement, we will pay any claim to the owner described in that
agreement. Our liability under this policy will then end for that claim.
In providing accident recovery assistance we will use reasonable care and skill
when providing the service.
We can, however, cancel services or refuse to provide them if, in our opinion,
the demands made are excessive, unreasonable or impractical.
24Section 1 –
Loss or damage to your vehicle
New car replacement
We will replace your vehicle with a new car of the same make, model and
specification (subject to availability within the UK) if, within 36 months of you
or your partner buying your vehicle from new:
• the cost of repairing any damage covered by the policy is more than 60% of
your vehicle’s list price (including car tax and VAT) when you bought your
vehicle; or
• your vehicle is stolen and not recovered.
We will only replace your vehicle if:
• you or your partner own your vehicle or are buying it under a hire purchase
agreement (not a leasing, contract hire agreement, or other type of agreement
where ownership of your vehicle does not pass to you);
• the hire-purchase company agrees; and
• you or your partner is the first registered keeper of your vehicle or are the
second registered keepers of your vehicle, where your vehicle has been
pre registered in the name of the manufacturer or supplying dealer, providing
at the time of purchase by you or your partner, the mileage was less than
250 miles.
ehicles sold as ‘ex demonstrators’ and ‘nearly new’ do not qualify for
V
replacement under this section.
If you or your vehicle do not qualify for new vehicle replacement, an identical
replacement is unavailable within the United Kingdom or you elect not to
take the settlement offered then the settlement will be the market value
of your vehicle at the time of the loss.
Vehicle recovery in the event of an accident, fire or theft
In Great Britain, Northern Ireland, the Channel Islands and the Isle of Man we
can arrange for the protection and removal of your vehicle to the nearest
repairers. In the event of an accident ring the Home & Legacy Helpline on
0345 077 0810 (for claims abroad call 0044 1925 428193) and we will arrange
for the following at no additional cost:
• someone to come out and help.
If your vehicle cannot be made roadworthy immediately it will be taken to our
nearest approved repairer. Your vehicle can be taken to a repairer of your
choice if this is nearer, but this may lead to delays in arranging the repairs to
your vehicle.
This rescue service also applies when an accident occurs in the Republic of
Ireland – call the Home & Legacy Helpline on 0044 1925 428193.
• the onward transmission of any messages on your behalf to a member of
your family or a friend.
25Courtesy and hire car
If your vehicle is lost, stolen or damaged and cannot legally be used, we will
provide:
a) a Mercedes C Class hire car, or equivalent, for the duration your vehicle is
being repaired. Where your vehicle is stolen and not recovered, cannot be
repaired or is being replaced under new car replacement, we will provide a
Mercedes C Class hire car, or equivalent until your claim is settled subject to
a maximum of 21 days;
or
b) a replacement hire car of as similar to your vehicle as is reasonably
possible, for the duration of repair subject to an overall maximum cost of
£5,000 (including VAT). Where your vehicle is stolen and not recovered,
cannot be repaired or is being replaced under new car replacement, we will
provide a replacement hire car as similar to your vehicle as is reasonably
possible until your claim is settled, subject to a maximum of 21 days, and an
overall maximum cost of £5,000 (including VAT).
If we do not provide you with a temporary replacement vehicle (subject to a
maximum limit of £1,000) we will not apply the excess for your vehicle.
We will only provide a courtesy/hire car under this section in Great Britain,
Northern Ireland, the Channel Islands or the Isle of Man (for hire car provision
within the territorial limits, outside of Great Britain, Northern Ireland, the
Channel Islands or the Isle of Man, please refer to section 4, UK and European
breakdown & recovery cover).
• Loss of use, wear and tear, depreciation or any loss or damage which
W H AT I S NOT happens gradually.
COV E R E D
• Mechanical, electrical, or electronic failure breakdown or breakage.
• computer and equipment failure or malfunction.
• Mechanical, electrical, or electronic failure breakdown or breakage.
• Loss or damage arising from theft while:
– the ignition keys of your vehicle have been left in or on your vehicle.
– your vehicle has been left unattended with the engine running.
• Damage to tyres by braking or by punctures, cuts or bursts.
• Loss or damage directly occasioned by pressure waves caused by aircraft
or other aerial devices travelling at sonic or supersonic speed.
• Loss of value following repair.
• Loss or damage arising from confiscation or requisition or destruction by
or under order of any Government or Public or Local Authority.
26You can also read
