The policy document for your car insurance premier cover

The policy document for your car insurance premier cover

The policy document for your car insurance premier cover M&S_cover_car_ins_policy_doc_premier_4488.GE Car Insurance Cover template A5 26/02/2015 19:27 Page 1

Your policy details Contents Page Motor policy summary 3 Motor policy wording 7 Additional benefits policy summary 23 Breakdown 26 Motor legal protection 38 Guaranteed replacement car 46 Additional important information 50 M&S_cover_car_ins_policy_doc_premier_4488.GE Car Insurance Cover template A5 26/02/2015 19:27 Page 2

3 Motor policy summary Cover Policy Significant features Comprehensive Third party, Third section or limitations fire and party theft only Liability to others 1 Limited for £20 million third party property damage including expenses and costs.

Driving other 1 Cover only applies for the cars extension specific driver as shown on the Certificate of Motor Insurance. Cover is limited to third party only. Cover is subject to insurer acceptance. Loss or damage 2 Subject to excesses shown in the to the car by an Schedule of Insurance. Additional accident excesses for young or inexperienced drivers may apply.

Motor policy summary About this document This document provides you with the basic details of your private car insurance contract. Full details of the terms and conditions are contained in the Motor Policy Wording, Schedule of Insurance and Certificate of Motor Insurance. Your policy will run for 12 months. The level of cover you have chosen, including any excesses applicable is shown in the Schedule of Insurance. The contract of insurance is made up of the following documents: •  the Statement of Insurance; this shows the information that you give us, including information given on your behalf and verbal information you give prior to commencement of the policy; •  the Motor Policy Wording; this gives full details of the terms and conditions and all exclusions; •  the Schedule of Insurance; this shows the period of insurance, the policy sections which apply, any excesses payable in the event of a claim and the level of cover applicable; •  the Certificate of Motor Insurance; which shows the registration number of the vehicle insured, who may drive and what the vehicle can be used for.

Financial Services Compensation Scheme We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This 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. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS website www.fscs.org.uk or write to Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London, EC3A 7QU.

Significant features and limitations of your policy The summary below shows the significant features and limitations of this policy and is dependent on the level of cover shown in your Schedule of Insurance.

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Motor policy summary 4 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 Cover Policy Significant features Comprehensive Third party, Third section or limitations fire and party theft only Loss or damage 3 Subject to excesses shown in the to the car by fire Schedule of Insurance. or theft Car audio, 2 & 3 Subject to excesses shown in the navigation and Schedule of Insurance. Unlimited for entertainment equipment fitted as original equipment equipment by the manufacturer; or £500 for any other equipment. Glass damage 4 Subject to the excess shown in the Schedule of Insurance.

Unlimited cover if our approved repairer is used. £150 if a non approved repairer is used.

Personal 5 Up to £200 per incident. Up to belongings £300 per incident for M&S Shopping. Medical 6 Up to £500 per person. expenses Personal accident 7 Up to £10,000 per incident. Replacement 8 Up to £500. Subject to £100 excess. locks Child car seat 9 Up to £150 per child car seat. cover Covered whether damaged or not when the insured car is involved in an accident. Uninsured driver 10 Subject to uninsured driver details promise and their vehicle registration number, make and model being known. Applies only when the driver of the insured car is not at fault.

Emergency 11 Up to £100 per person or £250 per transport and incident for alternative transport accommodation or overnight accommodation only.

Travelling abroad 12 Full policy cover up to 90 days in European Union countries and those other countries set out in section 12 of the Motor Policy Wording.

5 Motor policy summary Significant exclusions to your policy Cover Policy Significant exclusions or limitations section Driving other 1 Use outside the territorial limits. cars extension  There is a current and valid Certificate of Motor Insurance held for the other car. A car which is registered outside the territorial limits.  Does not apply if your car is disposed of, or damaged beyond economical repair or stolen and not recovered. Loss or damage 2 & 3 Loss or damage resulting from incorrectly maintaining or fuelling the car to the car or from the use of substandard fuel, lubricants or parts.

 Loss of, or damage, to the car caused by a person known to you taking the car without your permission, unless that person is reported to the police for taking the car without your permission. Loss or damage arising directly or indirectly from water freezing in the cooling system of the car. Any increase in damage as a result of the car being moved under its own power following an incident.  Any increase in costs due to parts or accessories not being available within the territorial limits.  Loss or damage to the car and/or its contents as a result of someone taking it by fraud or trickery while pretending to be a buyer.

 Loss of, or damage to telephone or other communication equipment. Loss or damage 3 Loss or damage caused by theft or attempted theft if the keys or lock to the car transmitter or entry card from the keyless entry system are left in or on the car while it is left unattended.

 Loss or damage whilst the car is left unattended without being properly locked and or if any window, roof opening, roof or hood is left open or unlocked. Loss or damage unless the incident has been reported to the police and a crime reference obtained. Car audio, navigation 2 & 3 Equipment that is not permanently fitted to your car. and entertainment Loss of, or damage to, telephone or other communication equipment. equipment Glass damage 4 Damaged or broken glass in panoramic glass roofs.  Repair or replacement of the hood/roof structure of a convertible or cabriolet vehicle. Repair or replacement of any glass that is part of a removable or folding convertible roof.

Repair or replacement of any windscreen or window not made of glass.

Personal 5 Loss or damage whilst the car is left unattended without being properly belongings locked and/or if any window, roof opening, roof or hood if left open or unlocked.  Loss of money, credit or debit cards, stamps, tickets, vouchers, documents and securities are not covered. Loss of, or damage to, telephone or other communication equipment. Personal accident 7  Death or injury to any person not wearing a seat belt when required to by law. Any intentional self injury, suicide or attempted suicide.  Death or injury to any person driving who is found to have a higher level of alcohol or drugs in their body than is allowed by law.

Motor policy summary 6 Cancellation rights You must contact us in order to cancel your policy. Our contact details are on the reverse of your policy from the date you contact us, or any later date you tell us. For full cancellation terms, please see the Cancellation section in the Motor Policy Wording. Claims Should you wish to make a claim under your car insurance policy you should call the claims helpline on 0344 412 2160. You must not settle, reject, negotiate or agree to pay any claim without our written permission. Full details of how to claim are included in the policy documentation.

Complaints If you wish to register a complaint, please contact us: 1) by phone on 0344 412 2157 2) in writing to The Customer Relations Manager, M&S Car Insurance, Fusion House, Bretton Way, Peterborough, PE3 8BG.

If we cannot resolve your complaint, you may refer your complaint to the Financial Ombudsman Service Authorisation M&S Insurance is a trading name of Marks & Spencer Financial Services plc. Kings Meadow, Chester CH99 9FB. Marks & Spencer Financial Services plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Register number 151427.

BISL Limited are authorised and regulated by the Financial Conduct Authority. Register number 308896. BISL’s permitted business is arranging general insurance contracts. You can check on the register by visiting the FCA’s website www.fca.org.uk or by contacting the FCA on 0800 111 6768. Cover Policy section Replacement locks 8 Any claim where the keys, lock activation device or the lock transmitter and central locking interface are either: left in or on the car at the time of the loss; or taken without your permission by a person known to you, unless that person is reported to the police. Emergency transport 11 Reimbursement for the purchase of any drinks, meals, clothing, toiletries, and accommodation newspapers or telephone calls.

Coverage outside the territorial limits.