Prima Insurance

Insurance Product Information Document

Company: Prima Subsidary Ltd Product: Comprehensive Car Insurance
Prima Subsidiary Ltd is an Appointed Representative of Pro MGA Solutions Ltd who is authorised and regulated by the Financial Conduct Authority under reference 770419. Prima Subsidiary Ltd is
registered in England (No:12728615), Registered Office: 71-73 Carter Lane, London, EC4V 5EQ.

This document is a summary of our insurance policy. It is not tailored to individual needs and so may not provide all the information relevant to your
cover requirements. You will find information specific to your policy within your policy documents. Complete pre-contractual and contractual
information on the policy is provided in your other policy documents.
What is this type of insurance?
This policy provides cover for your vehicle, as well as damage caused by your car, and is summarised below.

What is insured? Standard cover What is not insured?

Your car: if your car is stolen, we will pay out its market
value at the time of your loss. Unauthorised use: any incident while the car is being
used for purposes not on your Certificate of Motor
New vehicle replacement: if your car is 12 months old Insurance, or while it’s being driven by someone who is
or less and you bought it new, we will replace it with a not named on your Certificate of Motor Insurance.
new car of the same make and model, subject to
conditions. Driving licence: any incident while anyone named on
your Certificate of Motor Insurance is driving without
If your car is damaged due to an accident or fire, we
correct or valid driving licence, or driving out of
will repair it up to its market value at the time of the
accordance with their licence.
incident. If we can’t repair it within this value, we will
pay out a sum not greater than the market value. We Under the influence: any incident if the driver is found
guarantee the repairs carried out by our approved to be unfit to drive due to drink or drugs, or fail to
repairers for three years. prove otherwise if asked to do so by competent
Audio, visual & electronic equipment is covered up to: authorities.
(i) the value of that equipment, if it was fitted by the Lack of security: any incident while the car is left with
manufacturer; or (ii) £1000, if it was not fitted by the the keys inside, or the car is left unlocked or
manufacturer. unattended and running.
Your injury or death: In the event of your or your
partner’s death, permanent loss of sight in one or both Wear and tear: loss of use or value which happens
eyes, or total loss of one or more limbs during a road gradually.
traffic accident in your car, we’ll pay £5,000. War and terrorism: consequences of war, war-like
Damage to others’ property: if you’re at fault, we’ll operations, and terrorism, unless cover must be
pay up to £20,000,000. provided under Road Traffic Acts.
Injury or death of others: if you’re at fault, we’ll pay Mis-fuelling: we won’t repair or replace parts that are
any amounts that you are legally responsible for. damaged due to you putting the wrong fuel in your car.
Driving other cars: if it’s included in your Certificate of Intentional damage: you won’t be covered for damage
Motor Insurance, we will cover you to drive other cars. or injury due to intentional or reckless actions.
Courtesy car: while your car is being repaired by our
If the law in any country in which this policy operates
approved repairers, we will provide you with a small
requires us to settle a claim which, if this law had not
hatchback courtesy car, subject to restrictions, and
existed, we would not be obliged to pay, we reserve
give you the option of having your car redelivered to
the right to recover such payments from you if you or
your home.
any other insured person:
Glass: we’ll repair or replace your windows and/or
windscreen if they are broken. If you choose a repairer • caused the loss directly or indirectly;
not approved by us, our contribution will be limited. • caused or permitted your car to be driven by
Keys and locks: if your car keys are lost or stolen, we’ll an uninsured driver;
pay for you to replace the locks, subject to a limit of • through act or omission, caused this insurance
£1,500 per policy year. to be invalid.
Child seat: we’ll contribute towards replacing your
child seat(s) if they are involved in an accident or Loss due to mechanical, electrical, electronic,
damaged during fire or theft, up to £250 per seat. computer failure, breakdown, breakage or malfunction.

Personal belongings: if your belongings are damaged

or stolen as part of an accident, fire or theft, we’ll pay
up to £250, subject to exclusions.
Uninsured driver promise: if you have an accident with
an uninsured driver, you can provide us with their
details, and it wasn’t your fault, you’ll keep your years
of no claims bonus and we’ll reimburse your excess.

What is insured? Optional cover

Protected No Claims Bonus (NCB): your No Claims
Bonus will only be reduced if you make more than two
separate claims within one policy year.
 Are there any restrictions on cover?

Driving other cars: if your cover includes the driving of cars other than those on your policy, your cover is restricted
to third party property damage and injury when driving such cars.
Courtesy car: we will only supply a small hatchback courtesy car if yours is being repaired at one of our approved
garages. Also, we can’t supply one if your car is stolen or written off, unless you’ve taken out optional hire car cover.
Loss or damage: we will pay up to the market value of your car at the time.
NCD protection: protecting your NCB does not protect the overall price of your policy, which is subject to change.
Excesses: you will be liable for the first part of your claim. This amount will be confirmed in your schedule.

Where am I covered?

The United Kingdom of Great Britain and Northern Ireland, as well as the Channel Islands and the Isle of Man
We will provide the cover shown on your Certificate of Motor Insurance for a maximum of 90 days during a policy
year in any country which is a member of the European Union as well as Norway, Switzerland, Iceland, Serbia, Andorra
and Liechtenstein. After 90 days, we will provide the minimum legal cover required in these countries.

What are my obligations?

You must take reasonable care to give us honest, accurate and complete information whenever we ask for it,
including when you apply for cover.
You must tell us without delay if any information that you provided when taking out this policy is incorrect or
changes, including convictions.
You must fulfil the terms, provisions, conditions and clauses of this policy.
You must tell us about any accident, injury, loss or damage as soon as possible and within 48 hours, so that we can
advise about what to do next to resolve your claim.
You must not admit that any accident is your fault or attempt to negotiate with the other party without speaking to us
first.
You must make reasonable effort to protect your car from loss or damage and keep it in a roadworthy condition.

When and how do I pay?

You can pay for your insurance at once by credit or debit card when you purchase it.

When does the cover start and end?

Your cover start and end dates are shown in the Your Information & Policy Schedule document and the Certificate of
Motor Insurance.
Your policy may be renewed and payment taken on your renewal date, unless you call us at 020 3318 9745 to tell us
that you don’t want us to. We will contact you before your renewal date with information about your renewal price
and terms.

How do I cancel the contract?

You can cancel any time by calling us on 020 3318 9745.

Your cancellation will be subject to the relevant cancellation fee, outlined in your policy documents.