You can renew at

churchill.com/
my-account
24 hours a day
7 days a week

Ana Lowe
2 Lawrence Road Or give us a call on
Hazel Grove 0345 877 6680
STOCKPORT Mon to Fri 8am to 9pm,
SK7 4JB Sat 9am to 5pm
and Sun 9am to 4pm

Policy number 5017491837

Date 29 December 2023

Your car insurance is coming up for

renewal on 24 January
Hello Ana

Thanks for insuring your VAUXHALL MOKKA (MM13YWB) with us. Your car insurance is coming up
for renewal on 24 January 2024. Here's the key information:

Your renewal premium Your cover

£526.90 Comprehensive - with:
Personal accident
Your comparable premium last year –
see note below Courtesy car
Windscreen damage
£224.72
Motor Legal Cover
Guaranteed Hire Car Plus
Green Flag breakdown
> See page 7 for your excess

Please check your car insurance still gives you the cover you need. You may want to shop around
to make sure you can't get a better deal. If you do shop around, think about comparing on a like-
for-like basis - looking not just at price, but at level of cover too.
To help you compare, we've included the key parts of your cover above.

What you need to do now

1 Please check your car insurance carefully to make sure it's right for you
> Make sure the information we have for you is still correct and that the cover meets your needs.
See 'How to check your car insurance' for further details.

2 If you want to renew, please let us know before 23 January 2024

1503 / 16.0.0

> If you're not making any changes, you can renew at churchill.com/my-account.
> If you want to make a change, or would like to talk to us, please call 0345 877 6680.
> Got a question? Go to churchill.com/faqs or get in touch.

Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England Continues on next page >
and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
Page 1 of 10
the Prudential Regulation Authority. Calls may be recorded.
Policyholder Ana Lowe | Policy number 5017491837 | Date 29 December 2023

3 If you don't renew your car insurance How to check your car
> If you don't renew your car insurance, it will end at 23:59 on 23 January 2024. insurance
> We recommend that you have other cover in place before your policy ends. We've included

> Your Car Insurance Details - this

Your renewal premium
tells you:
. what you've told us
Comprehensive cover £526.90
. your fees and excesses.
Motor Legal Cover Free > Your summary of changes - this
Annual premium including Insurance Premium Tax £526.90 tells you about any changes
we've made since last year.
> Your Insurance Product
Your offers
Information Document - this is
Legal Cover Included for Life a summary of the main cover
Motor Legal Cover Included for the lifetime of the policy and exclusions. However, it's not
personalised to you.
Check your cover is right for you
Did you know you can pay monthly instead? > Please check your cover,
including any add-ons, to make
sure it still matches your needs.
First monthly payment Representative example
> You can add or remove any add-
£49.37 First monthly payment £49.37 ons without having to cancel
Remaining 11 monthly £49.16 your policy.
Your remaining monthly payments payments
You must take care to make sure
would be Total amount of credit £526.90
Total amount payable £590.13 that all the details you've given
£49.16 us are correct and complete
Fixed interest rate 12.00%
Representative APR 28.8% > If you notice something is wrong
How to start paying monthly Policy cash price £526.90 you must let us know, as incorrect
If you'd like to pay monthly, please ask us Agreement term 12 months or incomplete details could
about it when you get in touch to renew. impact your policy. This could
include your policy not being
valid, or claims being turned
If you pay your premium by instalments, there is a credit agreement between us. This means:
down or not fully paid.
> We share information about your application for credit with credit reference agencies. Other
> Also, please don't forget to let
credit providers can see this information.
us know immediately if anything
> If you, or anyone paying on your behalf, don't keep up with the payments, this will affect your changes between now and when
credit score. your policy renews (which may
include, but is not limited to,
things like a claim, a motoring
Can we help? offence or any changes to your
car), as this could also have an
If you have any questions, please go to churchill.com or get in touch. impact on your policy or a claim
being paid.
Thanks again
> Please let us know straight away
The Churchill Team
if anything isn't right or you're
not sure about any details.

Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Page 2 of 10
Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
Summary of changes | Policyholder Ana Lowe | Policy number 5017491837 | Date 29 December 2023
Summary of changes
We're introducing some changes to your car insurance from this renewal. This gives you a summary of the
changes. Please read it alongside your policy booklet and other documents. To find out which sections of your
policy booklet apply to you, see your car insurance details.
If you'd like an up-to-date copy of your policy booklet, you can get them from churchill.com/car-insurance, or
get in touch.
Change to your policy details
Your policy excesses
Your excess is the amount you have to pay towards the cost of any
claim, so it's important you understand how its made up and what the
total is.
You have different excesses depending on what you claim for. There
may be compulsory excesses applied by us depending on the type of car
you have, who is driving or whether you use our approved repairer. You
may have selected a voluntary excess as well.
Windscreen claim excesses
We've increased the excess you would pay for windscreen repair and
replacement claims.
Please check all excesses to make sure the product still meets
your needs.
Tracking device requirement
If your policy previously had a requirement for a tracking device to be
fitted to your car, we no longer need this for you to be covered for theft.
Green Cards
You no longer need to take a Green Card with you when driving abroad
in any country where you have Foreign Use Extension or have the
minimum car insurance required by law.
If you have any questions about driving abroad, our Virtual Assistant
can help. You can also find the details in your policy booklet.
If you would like a Braille, large print or audio
version of your documents, please let us know.
Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
Changes to the policy booklet
We've updated some of our definitions
Market value The cost of replacing your car with another of the same
make and model, and of a similar age, mileage, and condition at the
time of the accident or loss.
Approved windscreen supplier A repairer we have approved and
authorised to repair or replace your car's windscreen.
We've added some new definitions
In-car entertainment Products designed to provide in-car
entertainment that are either permanently fitted to your car, or
removable. But not any personal portable electronic or entertainment
equipment that isn't specifically designed to be used in your car (this
may be covered under the Personal Belongings section of your cover).
Cyber event An unauthorised, malicious or criminal act that creates, or
intends to create, an outcome that includes, but is not limited to:
• interruption to electronic communications
• corruption, unauthorised access to, or theft of data
• hacking or service denial.
Removable electronic equipment Electronic equipment that is
designed to be fitted to, and used in, your car, which can be removed
when not in use. We do not cover speed assessment detection devices or
any personal portable electronic or entertainment equipment (this may
be covered under the Personal Belongings section of your cover).
Your information
Although we haven't changed the way we collect, use and share your
information, we would like to remind you that full details of how we use
it and who we share it with is available to view on our website or you
can call us if you would like a paper copy.
1519 / 12.0.0
Page 3 of 10
Summary of changes | Policyholder Ana Lowe | Policy number 5017491837 | Date 29 December 2023

Changes to general policy sections Changes to Section 4: Accidental Damage

We've added new wording to the 'You're not covered for' section.
'Making a claim' section
New wording
We've updated the wording in sub-section 'Paying the excess' (page 6)
to make it clearer when you won't need to pay an excess. We won't cover:
> Loss or damage caused by anyone who is convicted for driving while
Updated wording
under the influence of drink or drugs at the time of the accident.
We won't charge an excess if:
> You're in an accident that we believe is not your fault and we can
make a full recovery of our costs. Sometimes you may have to pay the Changes to Section 5: Windscreen
excess while we're looking into the claim, but we'll refund it once it's Damage
proven you're not to blame and we can recover our costs.
We’ve made some updates to our 'Windscreen Damage' section so
that it's clearer what is and isn't covered.
We've added wording to sub-section 'Windscreen repairs' If your claim is only for accidental damage to your car's windscreen,
(page 7) to explain what can happen when you make a windscreen sunroof or windows, you won't lose the No Claim Discount on this
replacement claim. policy.

Updated wording You'll need to pay an excess for each incident you claim for.

We may decide to replace your car's glass with glass that hasn't been Updated wording
made by your car's manufacturer but is of a similar standard. What we'll do
We'll pay to:
'Losses we don't cover' section > Replace or repair accidentally broken glass in the windscreen, sunroof
We've added a better explanation around 'War' (page 31) or windows of your car.

Updated wording > Repair any scratching to the bodywork caused by broken glass, so long
as there wasn't any other loss or damage resulting from the same
We won't cover any injury, loss, damage or liability caused by
war, invasion, revolution, military or usurped power or arising from incident.
Government Action or a similar event except as strictly required under > Recalibrate your car's ADAS (Advanced Driver Assistance System)
the Road Traffic Act. where this related to the repair or replacement of your car's
Government Action includes: windscreen.
• Martial law, confiscation, nationalisation, requisition or destruction > If your car has a folding roof, we'll replace the roof and rear
or damage of property. windscreen assembly together, if this is more cost effective than
replacing the glass alone.
These actions carried out by or under the order of:
• Any government or public or local authority. What am I covered for?
We'll provide cover up to the amounts shown in the 'What your cover
It also includes any action taken in: includes' on page 8.
• Controlling, preventing, suppressing or in any way relating to war.
You're not covered for
Any other losses covered under another section of this policy for the
Cyber event is new to our policy booklet. You can find out what cyber
same incident, such as dents to the bodywork.
event means by checking the new definitions on the previous page.
Damage caused by vandalism (this may be covered under
We've also added the below to the 'Losses we don't cover' section. Section 4: Accidental Damage).
New wording

We don't cover any loss, damage, legal liability, cost or expense caused
by:

> failure, or partial failure of any computer or computer system

> loss or partial loss of any electronic data
> repair, replacement or restoration of any electronic data
> a cyber event.

Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Page 4 of 10
Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
Summary of changes | Policyholder Ana Lowe | Policy number 5017491837 | Date 29 December 2023

Changes to Section 7: Motor Legal Cover Updates to Section 8: Guaranteed Hire

In the sub-section 'Making Motor Legal Cover claims' we have added Car Plus
a lot more detail around 'Checking whether your claim has a reasonable
chance of succeeding' to help you understand how we will assess your We have changed some of the wording in this section.
claim. The updated wording is below. All the other wording in Section 8:
Your current policy booklet will say 'We can refuse to continue paying Guaranteed Hire Car Plus in your current policy booklet will still apply.
costs if we or the appointed representative consider that the costs Updated wording
would be disproportionate to the value of the claim.'
About Guaranteed Hire Car Plus
This has been replaced by the below wording. All the other wording
We'll aim to give you a hire car of a similar size to yours, if your car is
in Section 7: Motor Legal Cover of your current policy booklet will still
damaged in an incident, written off or stolen.
apply.
Words with a specific meaning
Updated wording
Hire car
Sometimes the costs of a legal action may be too much in relation to
the value of your claim, this relates to a legal test that is referred to as A car or van that is supplied to you temporarily on our behalf by the hire
"proportionality". In these cases, we may not provide further cover for car company.
your claim. When looking at how much your claim will cost to take legal
action versus the potential benefit to be gained in pursuing your claim, What we'll do
we consider things like: Guaranteed Hire Car Plus is designed to keep you mobile while your car
is being repaired, by providing you with a hire car that's a similar size to
> The difficulty of the case. Cases which are more difficult usually have
your car. You may also have access to the hire car for longer than if you
greater legal costs attached to them. only have courtesy car cover.
> The potential total value of the case. This includes the amount of The type of hire car provided is decided by the hire car company and is
damages you may be able to recover from the other party. dependent upon your car:
> The non-financial value of the case. Sometimes your claim will have > If your car has up to 5 seats - a hire car up to a 4/5 door standard
a benefit to you which is difficult to value in financial terms but is still saloon may be provided.
worth pursuing. For these claims your appointed representative will
> If your car has 6 or more seats - a hire car up to a Mini MPV may be
take the benefit to you into account when calculating the total value provided.
of your claim.
We'll always try to provide you with a hire car that's a similar size to
> If it would be reasonable to spend more in pursuing a claim than the your car, but sometimes one may not be available.
benefit you would get in doing so.
We can't guarantee that your hire car will be the same as your car in
Your appointed representative will assess the potential value to be terms of its size, type, value or status.
gained in pursuing your case and the cost to take legal action.

Updates to Car Sharing

Your policy provides cover for car sharing, but we have updated it to make it clear that we don't cover peer-to-peer hire schemes.
In our new policy booklet, we have added the below sections in to the existing wording that you will have in your current policy booklet.

'Losses we don't cover section' section

Use of your car
We don't cover any loss, damage, liability or injury that happens while your car is being:
• Driven while rented out or driven in connection with a peer-to-peer hire scheme.

'Other conditions you need to know about' section

Car Sharing
This is so long as:
• You're not renting your car out or using a peer-to-peer hire scheme to do so.

B4C CH M IIL 0923

Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Page 5 of 10
Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
Car Insurance details | Policyholder Ana Lowe | Policy number 5017491837 | Date 29 December 2023

Car insurance details

Here's the important details about your insurance that form part of your policy. Please take care to check all the information.
> We've used the details you've given us as part of this renewal invitation for your insurance, so please check the details to make sure
they're right to the best of your knowledge.
> If you notice something is wrong you must let us know, as incorrect or incomplete details could impact your policy. This could include
your policy not being valid, or claims being turned down or not fully paid.
> Please let us know straight away if anything is wrong or you're not sure about any details. You can get in touch on 0345 877 6680.
> Remember to look through your policy from time to time to make sure your insurance is still right for you.

Your car Your insurance continued

VAUXHALL MOKKA SE S/S - HATCHBACK, 5 Car insurance Section 1: Liability

doors, MANUAL policy booklet: Section 2: Fire and theft
what applies and
Section 3: Courtesy car
Registration number MM13YWB what doesn't
Section 4: Accidental damage
Engine details 1364 cc, 138 BHP, PETROL
Section 5: Windscreen damage
Manufactured 2013 Section 6: Personal benefits
Registered keeper Policyholder's Spouse (Husband/Wife) Section 7: Motor Legal Cover
Purchase date August 2013 Section 8: Guaranteed Hire Car Plus
Section 9: Protected No Claim
Modifications No modifications made
Discount
Where it's kept Kept overnight on the driveway at SK7
4JB Please note: check your policy booklet for
Estimated mileage No more than 5,000 miles each year full details of what is covered and what
isn’t covered in each section.
Use Social, domestic and pleasure purposes
- including travelling to and from a About the Policyholder
permanent place of work.
Using your car > You're covered for claims from other Ana Lowe
abroad people for injury, damage to their car Driver type Main driver
or property.
Date of birth 27 July 1988
> You're not covered for accidental
damage, fire or theft of your car. Marital status Married

If you would like to increase your cover UK residential status You weren't born in the UK. You started
abroad, please get in touch. living here in August 2010
My Account email ana.lowe3@gmail.com
> See your policy booklet for full details.
No Claim Discount
Employment status Employed full time
3 years earned with this vehicle or
previous vehicle by Ana Lowe Main occupation Finance Manager
Employer's business Financial Services
Your insurance
Home owner Yes
Start and end date 24 January 2024 at 00:00 to 23 January Children at home There are children under 16 in your
2025 at 23:59 household
Cover Comprehensive 1 vehicle in your household
1201 / 33.0.0

Number of vehicles
Motor Legal Cover
Driving licence no. LOWE9857278AM9ZX
Guaranteed Hire Car Plus
Driving licence type As per your DVLA records
Green Flag breakdown
Held for As per your DVLA records

Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Page 6 of 10
Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
Car Insurance details | Policyholder Ana Lowe | Policy number 5017491837 | Date 29 December 2023

About the Policyholder continued Your excesses

Ana Lowe continued Excess if Excess if you

you use our choose to use
Motoring offences, As per your DVLA records – you can check approved a different
repairer repairer
endorsements, these details at gov.uk
Accidental damage claims
fixed penalties,
bans or points Ana Lowe
in the last 5 years . Voluntary £200 £300 £550
. Compulsory £100
Accidents, claims Accident - Vehicle Parked / Stationary in Allan Lowe
or losses regardless December 2023 . £300 £550
Voluntary £200
of fault in the last . Compulsory £100
5 years
When the car is
£300 £550
unattended
Other drivers of the car Fire and theft claims £300 £550

Windscreen claims
Allan Lowe
Replacement £115
Driver type Named driver Repair £25
Relationship to Policyholder's spouse What is an excess?
policyholder
Your excess is the amount you have to pay towards the cost
Date of birth 1 September 1982 of any claim. You have different excesses depending on what
Marital status Married you claim for and where your car is repaired. Your excess can be
made up of :
UK residential status You've lived in the UK since birth
> a voluntary excess you can change
Employment status Employed full time > a compulsory excess based on the driver
Main occupation Computer Engineer > a compulsory excess based on the type of car
> See your policy booklet for more details.
Employer's business Financial Services
Driving licence no. LOWE9809012AD9BF Car insurance policy limits
Driving licence type As per your DVLA records
Cover Limit
Held for As per your DVLA records
Section 1: Liability
Motoring offences, As per your DVLA records – you can check
endorsements, these details at gov.uk Injuries to other people Unlimited
fixed penalties,
Property damage £20,000,000
bans or points
in the last 5 years Section 2: Fire and theft

Accidents, claims None Fire damage to your car Market Value

or losses regardless Theft or attempted theft of your car Market Value
of fault in the last
5 years
Child car seat replacement Unlimited
In-car entertainment:
> fitted in your car when it was made Unlimited
> fitted in your car after it was made £1,000
Removable electronic equipment £1,000
Theft of car keys £1,000
Section 3: Courtesy car
Courtesy car while your car is being Included
repaired by our approved repairer
Amount of time you can have the car Duration of repair

Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Page 7 of 10
Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
Car Insurance details | Policyholder Ana Lowe | Policy number 5017491837 | Date 29 December 2023

Car insurance policy limits continued Additional charges

Cover Limit Type of charge Administration fee

Section 4: Accidental damage If you change your policy online via My Account £0.00

Accidental damage to your car Market Value If you change your policy by contacting us £26.88

Child car seat replacement Unlimited If you cancel your policy £53.76

In-car entertainment: These administration fees include Insurance Premium Tax where
> fitted in your car when it was made Unlimited applicable
> fitted in your car after it was made £1,000 > See your policy booklet for more details.
Removable electronic equipment £1,000
Your declaration
Misfuelling Market Value
Lost car keys £1,000 Please read your policy carefully to make sure it's right for
Section 5: Windscreen damage you. It's important that you take care to give us accurate
information to the best of your knowledge. If you notice
If you use our approved supplier Market Value something is wrong you must let us know, as incorrect or
If you use a different supplier: incomplete details could impact your policy. This could include
> repairs £40 impacts like your policy not being valid, claims being turned
> replacement £125 down or not fully paid. If you think there's a mistake or you
need to make changes (including, but not limited to, notifying
Section 6: Personal benefits
us of any motoring offences or changes to any vehicle or
Personal belongings £250 driver which have taken place since you received your renewal
Personal accident £5,000 invitation or which occur during the term of this policy), you
must let us know straight away.
Medical expenses £200
You confirm that:
Hotel expenses £250
> you have checked that the policy is right for you.
New car replacement Market Value > you and anyone else insured on this policy haven't had any
Uninsured Driver Promise Included insurance policy cancelled or voided by an insurer for fraud or
misrepresentation in the last five years.
Vandalism Promise Included
Section 7: Motor Legal Cover
Overall limit for all claims £100,000
Road traffic accident £100,000
Motor contract dispute £100,000
Motoring prosecution defence £100,000

Churchill insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered
in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Page 8 of 10
Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
 Motor Insurance Cover
Insurance Product Information Document
Company: U K Insurance Limited | Product: Comprehensive Car Insurance
Registered Insurance Undertaking in England and Wales. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority under registration number 202810.

This document is only intended to provide a summary of the main cover and exclusions and is not personalised to you. Your own specific
policy details, including complete pre-contractual and contractual information will be confirmed as you go through the application to buy and
will be in other documents sent to you.

What is this type of insurance?

This product meets the demands and needs of those who wish to ensure that any damage to their car is covered in the event of an accident,
fire or theft. You're also covered for claims made against you by other people for injury or damage to their property.
Any repairs for damage covered by this policy that are carried out by our approved repairer will be guaranteed for 5 years.

What is insured? What is not insured?

Cover for claims from other people for injury, or
damage to their vehicle or property
Cover up to the market value of your car if it is
stolen or damaged
Cover for windscreen repair and replacements
Personal Belongings up to £250
Personal Accident cover up to £5,000
Hotel expenses up to £250 in total for all people in
your car
Medical expenses up to £200 per person
Replacement child car seats
New Car Replacement if your car is less than
12 months old and written off or stolen and not
recovered
Unlimited cover for in-car entertainment fitted
in your car when it was made that is stolen or
damaged
Cover up to £1000 for in-car entertainment fitted in
your car after it was made that is stolen or damaged
Courtesy Car - Whilst your car is being repaired
by our approved repairer following a claim they will
give you a small hatchback courtesy car, subject to
availability
Vandalism Promise - if you make a claim for
damage to your car which is caused by a malicious
and deliberate act not by another vehicle, the No
Claim Discount won't be affected
Uninsured Driver Promise - if your car is hit by an
uninsured driver, we'll cover your excess and the No
Claim Discount won't be affected
Loss or damage caused by general wear and tear
or depreciation
Theft or attempted theft if your car is left unlocked,
left with keys/key fob in or on your car, left with
engine running or left with window or roof open
Use of your car by someone who's not insured on
your policy, or by someone who's disqualified from
driving
Use of your car in connection with a peer to peer
hire scheme or whilst it is rented out
Use of your car for any other purpose that isn't
shown as allowed on your policy documents
Deliberate damage to your car caused by anyone
insured on your policy
Are there any restrictions on cover?
An excess may be payable and amounts can differ
by claim type. The excess payable could include a
voluntary excess you chose
Repairs carried out at our approved repairer are
guaranteed for 5 years unless you sell your car
Driving Other Cars – if permitted (see your
certificate of insurance), the Main Driver can drive
with the owner's permission on a third party liability
cover only basis, another car that is not: owned
or leased by them; hired to them under a hire-
purchase or leasing agreement; or a hire, rental or
courtesy car, unless we have provided or arranged
it
If you do not use our approved windscreen
supplier, there is a limit to the amount we will pay
for windscreen replacement or repair

Continued on the back

 What is insured? Are there any restrictions on cover?
Optional Covers (available at an additional cost) Vandalism promise - You need to report the
incident to the police, provide the crime reference
. Motor Legal Cover – up to £100,000 to cover legal number and pay the unattended car excess
costs following an accident involving your car where
Uninsured Driver Promise – You need to provide
you are not to blame and there is a better than 50%
chance of success the registration number and the make and model of
the vehicle that hit your car
. Guaranteed Hire Car Plus - Provides a similar sized
New Car Replacement – you must be the first and
car to yours after a claim for the full duration of
only registered keeper of your car
repairs if you use our approved repairer (up to 21
days if total loss or non-approved repairer) Courtesy Car and Guaranteed Hire Car Plus are
. Protected No Claim Discount - Subject to eligibility
not provided in the event of windscreen or glass
only claims, and are subject to availability.
criteria, the No Claim Discount will not be affected
by two claims arising in the three preceding years of
insurance
. Foreign Use - upgrade the cover you have whilst
driving abroad. See 'Where am I covered?' below for
further details

Where am I covered?
You are covered in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands
You also have the minimum cover you need by law to use your car in some other countries. These countries are listed in the
'Where you can drive' section of your car insurance policy booklet
Courtesy car - you are only covered for use in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands
. Foreign Use - you can upgrade the level of cover for your car in some other countries for a maximum of 90 days per policy
year. These countries are listed in the 'Where you can drive' section of your car insurance policy booklet. Please call us before
you travel - we'll let you know the additional cost when you call
. Guaranteed Hire Car Plus - you are only covered for use in Great Britain, Northern Ireland, the Isle of Man and the Channel
Islands

What are my obligations?

. Check all documents are correct and ensure all information given to us is correct to the best of your knowledge
. Update us if there are changes to the information provided
. In the event of a claim you must inform us as soon as possible and you must give us any information and help we need

When and how do I pay?

If eligible, you will have an option to pay either annually by Direct Debit, credit or debit card, or by monthly instalments on a date
selected by you.

When does the cover start and end?

Your cover will start on the date you have selected and will end 12 months later. At this time we will reassess your policy and
this may result in the premium going up or down.

How do I cancel the contract?

You can cancel at any time by telephone or in writing - we'll let you know of any conditions that apply before you buy.

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