Tesco Bank Box Insurance Private Car Policy Summary of your Car Insurance

Tesco Bank Box Insurance
Private Car Policy Summary
Inside you’ll find a summary
of your Car Insurance
Private Car Policy Summary
Welcome to Tesco Bank Box Insurance Thank you for choosing Tesco Bank Box Insurance which is arranged and administered by Insure The Box Limited. This is a summary of cover provided by Tesco Bank Box Insurance. It does not include all the Policy benefits, limits and exclusions, which can be found in your Private Car Policy Document. We only offer comprehensive cover. If you have selected and paid to extend your benefits to include any of the add-­‐
ons, then this will be shown in your Schedule of Insurance. Your cover is connected to the miles you drive. You pay for a set number of Policy Miles for a period of Policy cover of 12 months. Your mileage is measured by a telematics device, called an in-­‐tele-­‐box, fitted to your car. When you take out your Policy we will contact you to arrange for the in-­‐tele-­‐box to be fitted at no additional cost to you. If you need to drive further than your Policy Miles allow there are additional miles available. You can buy Top Up Miles, and you can earn Bonus Miles through safe driving. All Policy documentation, including your Certificate of Motor Insurance, will be made available to you electronically, via Your Portal. Your Miles available for the current period of insurance can be viewed at any time via Your Portal. Please note: if you exceed your Policy Miles and do not Top Up your miles or receive Bonus Miles your policy will be cancelled. Towards the end of each Period of Policy Cover, we will use your driving information to help us calculate your renewal premium. Please refer to the Private Car Policy Document for further details. If you have not used all your miles when your Policy is due to be renewed, then any unused Top Up and Bonus Miles will be credited to your overall miles for the next Period of Policy Cover. Any of the original Policy Miles that are unused will not be credited to the next Period of Policy Cover, and there is no financial exchange for any unused miles. You will not receive a refund for any unused Policy Miles at the end of your Policy. For full details of your Tesco Bank Box Insurance Policy and Terms and Conditions please read: • the Private Car Policy Document • the Terms and Conditions • your Policy Schedule -­‐ this shows the period of insurance, which sections of the Policy apply and details of applicable excesses and endorsements • your Certificate of Motor Insurance • your Statement of Fact -­‐ this shows the information you have provided to us. You should review your Policy and the cover it provides on a regular basis to ensure that the cover remains adequate for your needs. Tesco Bank Box Insurance is arranged and administered by Insure The Box Limited which is authorised by the Gibraltar Financial Services Commission, and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our authorisation and regulation by the Financial Conduct Authority are available from us on request. Insure The Box Limited is incorporated in Gibraltar (Company Number: 102568), registered office: Montagu Pavilion, 8-­‐10 Queensway, Gibraltar. The Insurers of Sections 1-­‐10 are Catlin Insurance Company (UK) Ltd. of 20 Gracechurch Street, London, EC3V 0BG (Financial Services Register number 423308) and Great Lakes Reinsurance (UK) PLC of Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ (Financial Services Register number 202715). Both firms are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. TBB PCPS000001.3 1 The Insurer of Section 11 of this policy (Motor Legal Protection) is Ageas Insurance Limited of Ageas House, Tollgate Eastleigh, Hampshire, SO53 3YA (Company number: 00354568 and Financial Services Register number: 202039). Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Catlin Insurance Company (UK) Ltd.'s associate company owns more than 10% of Box Innovation Group Limited.
TBB PCPS000001.3 2 Significant features and benefits Most claims will be subject to an excess, which is the amount you have to pay towards any claim. Your Schedule of Insurance shows the excesses applicable to you and any other driver for the type of claim made. Description of cover/product features Bonus Miles Significant limitations and exclusions Bonus Miles are additional miles You earn Bonus Miles for safe awarded in order to encourage and driving. The in-­‐tele-­‐box in your car reward safe driving. will record the following information about your driving: Details of how you could earn up to • The time of day you drive 100 Bonus Miles each month can • The speed you drive at on be found in Your Portal at different sorts of roads https://boxins.tescobank.com/cust • How smoothly you drive omer-­‐portal/ • If you take breaks on long journeys • Your motorway mileage • Your total mileage You can start earning Bonus Miles immediately but you will not be able to see them on Your Portal until a month and seven days after your Policy has started. Accident alert If you are involved in an accident, an alert message may be sent to us by the in-­‐tele-­‐box and, provided your car isn’t moving, we will try to contact you by telephone. We will check you are okay and try to help you get going again. If we can see that your car is moving we will assume you are unharmed and do not require immediate assistance. If we are unable to contact you and your car is stationary we will assess all the circumstances relating to the incident, such as the location, the time of day and the force of the impact. If we think it is appropriate, we will attempt to contact the emergency services and request that they attend. TBB PCPS000001.3 Significant features and benefits The accident alert service is not guaranteed. It is important that you do not assume that we will contact you, or any emergency services, after an incident has occurred. It is also important that you do not assume that we are aware of any incident. You must still contact us to report any circumstances that could lead to a claim being made on your Policy Policy reference Important terms of your policy Accident Alert & Section 12.3 Accident and claims procedure 3 Description of cover/product features Accidental damage to your car Significant limitations and exclusions Up to the market value of your car We will not pay for loss or damage and its accessories, less any to your car as a result of a Excesses shown on your Schedule deliberate act caused by you or any of Insurance. other driver covered to drive your car including, but not limited to, Any repairs to your car undertaken driving under the influence of by one of our approved UK alcohol or non-­‐prescription drugs repairers are subject to the or as result of lawful following guarantees: immobilisation (clamping), removal • the body work, paintwork and/or destruction. and labour will be If you make a claim and you have guaranteed for 4 years not paid all your premium, we may • the replacement parts deduct any unpaid premium from used will be covered for any claim settlement we make to the duration of the manufacturer’s guarantee. you. We will only pay the cost of These guarantees will remain in replacing parts needed for your car place for as long as your car to meet the manufacturer’s remains owned by you. standard specification (including optional extras fitted by the manufacturer) unless any non-­‐
standard parts have been agreed by us. Fire and theft damage to your Up to the market value of your car We will not pay for loss or theft of car and its accessories, less any any car keys or lock transmitters, or If your car is damaged by fire or Excesses shown on your Schedule the cost of repairing or replacing it is stolen or damaged as a of Insurance. any alarms or security devices. result of theft, or attempted theft, we will pay for the repairs Any repairs to your car undertaken Loss or damage caused by theft or or give you a cash amount. by one of our approved UK attempted theft is not covered if repairers are subject to the your car is left unlocked, or with following guarantees: the keys in it or with a window or • the body work, paintwork roof open. and labour will be If you make a claim and you have guaranteed for 4 years not paid all your premium, we may • the replacement parts deduct any unpaid premium from used will be covered for any claim settlement we make to the duration of the manufacturer’s guarantee. you. We will only pay the cost of These guarantees will remain in replacing parts needed for your car place for as long as your car to meet the manufacturer’s remains owned by you. standard specification (including optional extras fitted by the manufacturer) unless any non-­‐
standard parts have been agreed by us. TBB PCPS000001.3 Significant features and benefits Policy reference Section 1 and General exclusions Section 2 4 Description of cover/product features New car replacement We may provide you with a new car if your car is under 12 months old and it is seriously damaged or stolen and not recovered. Significant limitations and exclusions The new replacement car is subject If a suitable replacement car is not to: available, the claim will be settled • you having registered your by one of the other options referred to in the ‘How we will car in your name from settle your claim’ Section of your new Private Car Policy Document. • the damage to your car exceeding 60% of the manufacturer’s list price plus taxes when the damage happened • a suitable replacement car being available in the U.K. In-­‐car entertainment, phone Payment for up to the market Cover for any other equipment or and satellite navigation value of any In-­‐car entertainment, specification is limited to a equipment phone and satellite navigation maximum of £250. Accidental damage to, or equipment that is permanently damage or loss caused by fire or fitted by the manufacturer as theft of, your car’s in-­‐car standard. entertainment, phone and satellite navigation equipment. Child car seats Payment for new child seats of the The seats will only be replaced if If your car is involved in an same quality as the seat being your car is involved in a collision accident which damages the replaced up to a limit of £300 for and the incident is covered under car, we will replace the child car each accident. Section 1 of your Private Car Policy seats. Document. Temporary replacement car The provision of a courtesy car. TBB PCPS000001.3 Significant features and benefits This is only available if the damage to your car is covered by this insurance and if the repairs are carried out by our approved UK repairer Service, and they have a suitable car available. Temporary replacement cars are usually small one litre hatchbacks, or similar, with a manual gearbox, and will have Comprehensive cover, including any Policy excesses, on your Policy for the period of the loan. You will be liable for any fines for any parking or driving offences, congestion, tolls or road pricing charges and any additional costs for non-­‐payment of these charges. You will need to produce an appropriate credit or debit card before collecting the temporary replacement car in order to cover these costs. Please note: temporary replacement cars are not available if your car has been stolen, and has not been recovered, or is not repairable. Temporary replacement cars are not provided abroad. Where your car has been stolen you must provide a crime reference number from the Police. Policy reference How we will deal with your claim – Sections 1 & 2 How we will deal with your claim – Sections 1 & 2 How we will deal with your claim – Sections 1 & 2 How we will deal with your claim – Sections 1 & 2 5 Description of cover/product features Driving other cars Significant features and benefits There is no cover to drive other cars. Cover for the death of, or injury to, other people including injury to any passengers If you are involved in an accident in your car you may be liable to pay compensation if anyone is killed or injured. Cover for damage to property belonging to other people If you or a driver covered to drive your car are involved in an accident in your car you may be liable to pay for damage you cause to other vehicles, and to property belonging to other people such as fixed items e.g. lamp-­‐posts and walls. Legal costs and expenses You are covered for solicitor’s fees at a coroner’s inquest, fatal accident enquiry or Magistrates Court (including a court of similar jurisdiction in any country within the territorial limits) and defence of any legal proceedings for manslaughter, or causing death by dangerous or reckless driving We also pay any other costs and expenses incurred by our appointed solicitor and their appointed agents; and charges set out in the Road Traffic Acts. Emergency treatment charges If you are involved in an accident and receive treatment from the emergency services then you are covered for any cost of that treatment stipulated in the Road Traffic Act. There is no limit. Use by the motor trade, hotels and car parks Your car is covered whilst it is being driven by a member of the Motor Trade or an employee of a Hotel or Car Park. Up to the market value of your car and its accessories. TBB PCPS000001.3 Significant limitations and exclusions There is no cover to drive other cars. Cover is only provided for the vehicle named on your Certificate of Motor Insurance, whilst it is being driven by the drivers named on your Certificate of Motor Insurance and for a purpose defined on your Certificate of Motor Insurance. Up to £15,000,000 for damage to Cover is only provided for the property belonging to other people vehicle named on your Certificate (third parties) and up to £5,000,000 of Motor Insurance, whilst it is for dealing with the legal costs being driven by the drivers named arising from such claims. on your Certificate of Motor Insurance and for a purpose defined on your Certificate of Motor Insurance. Policy reference Definitions Your Car and your Schedule of insurance Section 3 Section 3 There is no limit. Cover is only provided for the vehicle named on your Certificate of Motor Insurance, whilst it is being driven by the drivers named on your Certificate of Motor Insurance and for a purpose defined on your Certificate of Motor Insurance. If you wish to arrange for your own representation then you must obtain our prior written consent. Without this, these costs may not be covered by your Policy. Section 3 There is no limit. Cover is only provided for the vehicle named on your Certificate of Motor Insurance, whilst it is being driven by the drivers named on your Certificate of Motor Insurance and for a purpose defined on your certificate of Motor Insurance. None Section 3 Section 4 6 Description of cover/product features Glass in windscreens, sunroofs or windows (or for any scratching of the bodywork as a result of broken glass from your car) Foreign use This extends the full cover of your Policy when you take your car abroad to any European Union (EU) country, or any country specified on your Schedule of Insurance. Personal accident benefits Cover is provided for death or accidental injury to you or your husband, wife, common law partner or civil partner as a result of a road accident whilst you are travelling in, or getting in or out of any car. Medical expenses Medical expenses resulting from an accident while travelling in your car. TBB PCPS000001.3 Significant limitations and exclusions You must notify us before any work If you choose not to use our is carried out. approved supplier, then the most we will pay is £200 less any You will pay the first part of any excesses shown on your Schedule claim for any glass that is replaced of Insurance. or repaired. Damage to your car as a result of a The level of your contribution (your deliberate act caused by you or any Excess), is shown on your Schedule driver covered to drive your car. of Insurance. Cover automatically applies Cover for loss or damage to your provided it is shown on your car is excluded if it is kept abroad Schedule of Insurance, unless the for more than 90 consecutive days conditions shown in the next in any one annual period of cover. column are not met. Temporary Replacement Cars are You will not need a Green Card for not available abroad and repairs these journeys. undertaken abroad are not guaranteed as they are not carried out by our approved network of repairers. If you wish to arrange cover for any other country then we must give you our permission in advance and you must pay any additional premium due. Cover is limited to £7,500 in total Cover only applies if the injury per person during any one Period results in death, permanent loss of of Private Car Insurance Cover. any limb above the wrist or ankle; or the complete and irrecoverable loss of sight in one or both eyes within 90 days of the incident. Cover will not be provided where the incident was as a result of suicide or attempted suicide, or driving under the influence of alcohol or non-­‐prescription drugs, or where the driver of your car is convicted of reckless or dangerous driving, or where the person is not wearing a seatbelt. Cover is limited to £200 per person Cover will not be provided where travelling in your car at the time of the driver of your car is driving the accident. under the influence of alcohol or non-­‐prescription drugs, or where the driver of your car is convicted of reckless or dangerous driving, or where the person is not wearing a seatbelt. Significant features and benefits Policy reference Section 5 Section 6 Section 7 Section 8 7 Description of cover/product features Personal belongings Accidental damage, or damage or loss caused by fire or theft of personal belongings in your car. No claim discount You can obtain a discount from your Premium in accordance with the scale shown in your Private Car Policy Document for every year that you remain claim free up to a maximum of 10 years. Protected no claim discount If you have already built up a valuable no claim discount you can protect it so that even if you do have a claim you will keep your full discount. TBB PCPS000001.3 Significant features and benefits Cover is limited to £150. If you have a claim you will lose your no claim discount in accordance with the scale shown in your Policy. Claims for emergency treatment charges, glass, motor legal protection and claims where you are not at fault and we recover all that we have paid, will not affect your no claim discount. Your no claim discount will be protected provided that there are no more than two claims in any five consecutive years of cover. Any change in the level of your no claim discount is no guarantee that your premium will not increase. Significant limitations and exclusions Loss or damage caused by theft or attempted theft is not covered if your car is left unlocked, or with the keys in it or with a window or roof open. Any personal belongings must be kept out of sight in the locked boot or glove compartment of your car. None Your no claim discounts must meet our acceptance criteria. Please refer to our terms and conditions for further details. Policy reference Section 9 Section 10 Section 10 8 Description of cover/product features Motor Legal Protection (Tesco Legal Guard) General conditions and General exceptions These terms, conditions and exclusions apply irrespective of the cover you select. Your Private Car Policy Document shows all of them. Significant limitations and Policy reference exclusions Up to £100,000 of cover for legal Cover is only available if a claim is Section 11 costs and expenses to enable you more likely than not to be to claim compensation for personal successful and if any judgement is injury and/or personal losses more likely than not to be following a road traffic accident enforced. within the EU from the person responsible for the accident. Tesco Cover is not available if you appoint Legal Guard, if considered a solicitor without first contacting necessary, will appoint a specialist Tesco Legal Guard. solicitor to pursue your claim. European legal and UK tax helpline -­‐ a 24 hour advisory service for telephone advice on any private legal or taxation problem of concern to you or any member of your household. Simply telephone 0845 120 1330 and quote 'Tesco Legal Guard'. Replacement vehicle If, following a road traffic accident where somone else is to blame, your vehicle is off the road and you require a replacement vehicle, you will be provided with a 'like-­‐for-­‐
like' replacement vehicle where you have a valid claim against somebody else. Please see Section 12 and Section Please see Section 12 and Section Section 12 13 of your Private Car Policy 13 of your Private Car Policy and Document. Document. Section 13 Significant features and benefits Optional Extensions of cover (The add-­‐ons) Road Rescue Key Cover The add-­‐ons are only covered if they are shown on your Schedule of Insurance and any additional premium required has been paid Further details of the add-­‐ons can be found here: http://tescobank.com/boxinsurance TBB PCPS000001.3 9 Cancellation You can cancel your Policy at any time by notifying us. Cancellation can take effect immediately or from a later date, although it cannot be backdated. We reserve the right to cancel the cover providing we follow the procedure defined in Section 12 of the Private Car Policy Document: • if you do not co-­‐operate in having the in-­‐tele-­‐box fitted within 14 days of you arranging cover with us • if you do not pay your premium • after a claim, where we have decided to make a cash payment for not more than the market value of your car at the time of the damage where it was uneconomic to repair or replace your car; or • by writing to you at your last known address 7 days in advance of the cancellation date if there are serious grounds to do so such as failure to provide requested documents (proof of No Claim Discount etc.), exceeding Policy Miles without top up, where your car is being driven or used other than in accordance with your Certificate of Motor Insurance, following a fraud or deliberate or reckless misrepresentation or if you have withheld information, following removal of, or tampering with, the in-­‐tele-­‐box. If we so request, you must also allow us or our approved supplier to retrieve the in-­‐tele-­‐box from your car in the event that cover is no longer required. Upon cancellation by either you or us, you will receive a refund of premium providing no claim has been made during the period of Policy cover. You will be entitled to receive a refund of premium less an administration fee of £30 and a charge reflecting the cover we have provided up to the cancellation of your Policy. This charge will be calculated on a proportionate basis on either the period of cover you have received or the miles you have used, whichever amount is higher. When you take out a Policy with us we pay the cost of the in-­‐tele-­‐box, its fitting and retrieval of data from it. In the event that you cancel your Policy and if the in-­‐tele-­‐box has already been fitted to your car, or had been fitted to a car you previously insured with us, you will be charged an additional fee of £50 to cover the cost to us of fitting the in-­‐
tele-­‐box. These fees will be subject to Insurance Premium Tax where applicable. If you have made a claim during the current period of Policy cover, you must pay the full annual premium and you will not be entitled to any refund. You must surrender your Certificate of Motor Insurance to us within 7 days of the cancellation date, as it is an offence under the Road Traffic Act not to do so. You can surrender your Certificate of Motor Insurance by sending us a notice by email to confirm your insurance cover has ceased. Alternatively you can print and post a copy of your Certificate of Motor Insurance to us on which you state that cover has ceased and which you sign to that effect. TBB PCPS000001.3 10 Important telephone numbers Enquiry What you need to do Our telephone number Making a claim or report an accident If you need to make a claim, please follow these steps: 1. Please call us as soon after the incident as possible. 2. Please give us as much information about the incident as you can. We will explain what your Private Car Policy covers and if you have to pay any excess. 3. Wherever possible, speak to us before you make any arrangements for replacement or repair. For more details on how to make a claim please go to https://boxins.tescobank.com/customer-­‐portal/ and see your Private Car Policy Document. 0330 022 2525 If your car is stolen The in-­‐tele-­‐box includes tracking technology which tracks the location of your car and can help us find your car if it is stolen. If your car is stolen, please tell the local police and obtain a crime reference number. You should then contact us. We will confirm your details, record the crime reference number and begin to monitor the location of your car, liaising with the police as appropriate. If your car is recovered but damaged, or not recovered at all, please contact the claims department of Tesco Bank Box Insurance and we will help you with your claim. 0330 022 2525 Windscreen claims Have your Policy number to hand and telephone the windscreen and glass damage team. 0330 022 9449 Motor Legal Protection If you need to make a claim on your Motor Legal Protection (Tesco Legal Guard) 0330 022 2525 Tesco Bank Breakdown Call Tesco Bank Breakdown Cover to arrange a patrol to help you. Cover Level of cover provided is based on add-­‐on purchased. 0333 2021897 Tesco Bank Key Cover Call Tesco Bank Key Cover to arrange the best solution for your situation. Cover is only available if you purchased the add-­‐on. 0845 366 0228 Box installations team Have your Policy number to hand and telephone our dedicated in-­‐
tele-­‐box installation team. 0800 781 0988 For customer service and sales enquiries You can go to https://boxins.tescobank.com/customer-­‐portal/ and log into Your Portal where you can use Live Chat or you can talk to us on the telephone. 0330 022 2202 To make a change to your cover You can go to https://boxins.tescobank.com/customer-­‐portal/ and log into Your Portal where you can use Live Chat or you can talk to us on the telephone. 0330 022 2202 * Any calls to numbers starting 03 cost the same as calls to numbers starting 01 or 02 and may be included in any inclusive calls package you may have. Tesco Bank Box Insurance does not earn any revenue from the use of the 03 number. Contact us via email: Customer service: service@boxins.tescobank.com Claims: claims@boxins.tescobank.com TBB PCPS000001.3 11 Or you can write to us at: Customer Service Tesco Bank Box Insurance PO Box 1308 Newcastle NE12 2BF If we do not provide the expected service We aim to provide a high level of service and we want you to tell us when we don’t. We take all complaints we receive seriously and aim to resolve these promptly and fairly. We welcome your feedback. We will record and analyse your comments to make sure we continuously improve the service we offer. If we don’t meet the level of service you expect, and you have a complaint about your policy then please contact our customer service team on 0330 022 2202. Alternatively you can email Complaints.Service@boxins.tescobank.com If you need to make a complaint about your Claim, please call 0330 022 2525. Alternatively, you can email us at Complaints.Claims@boxins.tescobank.com We will do everything we can to resolve your complaint immediately but if we can’t or we need to investigate we will explain how we will do this and when we will respond. If we cannot resolve your complaint over the telephone, or you are dissatisfied with our proposals to resolve your complaint you can write to: Complaints Officer Tesco Bank Box Insurance PO Box 1308 Newcastle upon Tyne NE12 2BF or email: Complaints.Service@boxins.tescobank.com You should quote the Policy Number shown on your Schedule of Insurance and explain the nature of your complaint. If you are not satisfied with the final decision regarding your complaint or you have not received the final decision within eight weeks, you can write to: The Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Following the complaints procedure does not affect your right to seek and take legal action. The Financial Services Compensation Scheme Insure The Box Limited, Catlin Insurance Company (UK) Ltd., Great Lakes Reinsurance (UK) PLC and Ageas Insurance Limited are members of the Financial Services Compensation Scheme (FSCS). You might be entitled to compensation from the FSCS if Insure The Box Limited, Catlin Insurance Company (UK) Ltd., Great Lakes Reinsurance (UK) PLC or Ageas Insurance Limited are unable to meet their obligations. Further information on the scheme can be obtained at: www.fscs.org.uk. TBB PCPS000001.3 12