Statement
This is only a summary of the policy.
The full terms and conditions of the cover can be found in
the policy document. It is important that you read the policy
document carefully when you receive it. |
|
Type of insurance cover
Our Car Insurance Policy is available with three levels
of cover:
- Comprehensive: Third Party Fire and Theft plus own damage
- Third Party Only: your legal liability for death or injury
of third parties and damage to their property; and
- Third Party Fire and Theft: Third Party only plus damage
to your car from fire and theft;
Cover |
Comprehensive |
Third Party, Fire and Theft |
Third Party Only |
Exclusions and limitations |
Legal liability for death or injury
to any other person(s) |
|
|
|
|
Legal liability for damage to other
people’s property |
|
|
|
Maximum limit of cover will be
£20,000,000, which includes a limit of £5,000,000
for all costs, expenses and indirect losses. |
Own damage, Fire and theft (Breakage
of glass separate – see below) |
|
Fire and theft damage only |
|
Loss or damage arising from theft
while the keys of your car have been left in or on your
car. |
Legal costs incurred with our consent, in connection with a claim against your policy |
|
|
|
|
Personal injury: Benefits for you and/your spouse/domestic partner for death or loss of limbs/sight |
Up to £5,000 |
|
|
|
Windscreen/window breakage |
|
|
|
|
New car replacement |
|
|
|
|
Accident Recovery |
|
Fire and theft damage only |
|
|
Audio or radio equipment |
|
Fire and theft damage only |
|
Up to £500 audio cover, unless
part of manufacturer’s specification, then unlimited |
European Cover |
|
|
|
Full policy cover for up to 90
days in most European countries |
Excess |
*
* Excess requirements are highlighted on the
Schedule * * |
Period of Insurance
The policy will remain in force for 12 months from the
date of commencement, or as otherwise shown on your policy
schedule.
Charges
In addition to the premiums charged by insurers we make the following charges:
| £25.00 |
| £25.00 |
| If you call us or write to us within the 14 days to confirm cancellation we will make a charge for the time you have been on cover plus £20.00. |
| Your policy is a contract for 12 months. If your insurance is cancelled for any reason after the first 14 days the following charges will be applied in addition to the charge made by your insurer for the cover you have had. |
1st Quarter
£85 |
2nd Quarter
£70 |
3rd Quarter
£55 |
4th Quarter
£40 |
| There will be no return of premium if a claim has been made during the current year of insurance. If you pay by instalments, please also refer to your credit agreement. There will be no refund on Premium Motor Legal Protection, Motor Legal Protection or Boomerang Key Cover |
If you are paying your premium by monthly instalments on Direct Debit we reserve the right to apply a charge of £25 for any unsuccessful collection of a monthly instalment.
Payment by Credit Card – A £5.00 charge will apply if any premium is paid by Credit Card. No charge will be made if payment is made by any other method. |
Claims
You must report immediately to the Administrator, ULR , any accident or incident that may give rise to a claim
under the policy, on 0800 008 6709 For broken glass replacement
or repair please call 0800 587 6831. Calls may be recorded and/or monitored.
Complaints
If you wish to make a complaint please contact the Administrator
first by calling our Customer Services Team on 0844 800 8538;
or you can write to The Quality Manager, BDML Connect,
The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.
Calls charged at 5p per minute and may be recorded and/or monitored.
If you remain dissatisfied with BDML's
response or your complaint is about your insurer you may write
to the insurer and if the insurer is a Lloyd’s syndicate
you can also write to the Complaints Department, Lloyd's,
One Lime Street, London EC3M 7HA.
If you are still dissatisfied after receiving a final response
letter then you can refer the matter to the Financial Ombudsman
Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Full details will be made available at the appropriate stage
of the complaints process.
Financial Services Compensation Scheme (FSCS)
If we or your insurer were unable to meet our obligations you might be entitled to compensation under the
Financial Services Compensation Scheme (FSCS). Further information about the Scheme is available from the FSCS
website at www.fscs.org.uk or by calling us.
icon to view further information.
