Excess Protection

Insurance
Insurance Product Information Document
Company: DAS Legal Expenses Insurance Company Ltd Product: Excess Protection Insurance

DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority (FRN202106) and the Prudential Regulation Authority. Registered in England and Wales.

This document is a summary of the insurance cover and restrictions.

Please refer to your policy documentation for full details of your cover and the terms and conditions.

What is this type of insurance?

Excess Protection Insurance provides you with cover to pay the excess payment you are required to make when claiming
on your Commercial Insurance policy.

What is insured? What is not insured?

Excess Protection Insurance
✓ Payment of the amount of any excess applying to a claim
accepted on your Commercial Insurance policy, up to an
aggregate limit of £5,000 in respect of all Excess Protection
claims within the period of insurance
✗ Claims occurring outside the period of insurance of your
Excess Protection Insurance policy; or
✗ Claims reported outside the reporting period for claims,
which is specified in your Commercial Insurance policy; or
✗ Claims relating to an excess applying to a cover which has
been added on to your Commercial Insurance policy within
a separate document which does not form part of your
main Commercial Insurance policy document; or
✗ Claims made in respect of a policy other than the Commercial
Insurance policy to which this policy attaches; or
✗ Payments which exceed your policy limit of £5,000 for the
total of all Excess Protection claims in aggregate occurring
within any one period of insurance

Are there any

restrictions on cover?
! You are not covered for any claim where:
• it relates to an insured incident within the first 30 days
of this cover being added to your Commercial Insurance
policy, if you have added this policy part way through the
period of cover on your Commercial Insurance policy; or
• the claim made on your Commercial Insurance policy
has not been accepted; or
• the amount of the claim is less than the cost of the
relevant excess; or
• the excess has been waived or reimbursed by another party
Excess Protection Insurance Insurance Product Information Document

Where am I covered?

✓ For all claims, the United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands

What are my obligations?

It is your responsibility to:

• Report to us full and factual details of any claim as soon as possible and give us any information we need
• Co-operate fully with us and the company we appoint to handle your claim
• Keep to the terms and conditions of this policy
• Take reasonable steps to avoid and prevent claims and avoid incurring unnecessary costs

When and how do I pay?

Payment options will be subject to the agreement between you and the person who is selling you this policy.

When does the cover start and end?

This cover will last for one year and the dates of cover will be included in your policy documentation. If in any doubt, please speak
to the person who sold you this policy.

How do I cancel the contract?

You can cancel this policy by telling us within the cooling off period which lasts for 14 days after taking it out. After the cooling off
period you may also cancel this policy by providing 14 days’ notice. Subject to the terms of business between you and the person who
sold you this policy, you may be entitled to a partial refund of the premium.

If you cancel the Commercial Insurance policy to which the Excess Protection Insurance attaches then this policy will be cancelled
from the same date.

It is important to note that charges may apply to any refund subject to the individual terms of business between you and the person
who sold you this policy. Please contact them directly for full details of charges.

Excess Protection Insurance | IPID | 09.2020 | DAS 20531.01