Household Personal Accident Cover How are you covered?

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Your Demands and Needs

Your Insurance



What is Covered

What we will Not Cover

General Exclusions

General Conditions

How to make a claim


How to make a complaint


Household Personal Accident - Policy Wording

Your Demands & Needs

You have asked Kwik Fit Insurance Services

to arrange a Policy that pays compensation if You or Your Family die due to an Accident in Your Home.

Kwik Fit Insurance Services does not make personal recommendations as to the suitability of this Policy to individuals circumstances.

Your Insurance

This insurance has been arranged by Kwik

Fit Insurance Services.

This insurance is provided by UK General Insurance Limited, underwritten by Ageas Insurance Limited, Registered in England no. 354568. Registered Office: Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be checked on the Financial Services Register by visiting the FCA’s website at

If You have paid the premium as shown in

Your household insurance welcome letter, We will agree to insure You, subject to

the terms and conditions of this Policy, against Accidental Death occurring during the Period of Insurance. Please take time to read the contents of this Policy including how to make a claim. This Policy and Your household insurance welcome letter are important documents. Please keep them in a safe place in case

You need to refer to them for any reason. If You do need to discuss any aspect of this Policy then please call Kwik Fit Insurance


Your Policy will end if:

(a) You do not pay the premium; (b) Your residential address is no longer in

the United Kingdom; (c) You or We cancel the Policy.


The following words or phrases have the same meaning wherever they appear in

Your Policy.

Family within 12 months of the event.



Start Date

The date shown on Your schedule of household insurance or the date of purchase as shown in Your confirmation letter if You have taken this Policy out afterwards.


Use, or threat of use, of a biological, purpose, chemical and/or nuclear force or contamination by any person(s), whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government(s) or put any section of the public in fear.


UK General Insurance Ltd on behalf of Ageas Insurance Limited.


The person named in the Kwik Fit Insurance Services household insurance


Dependant Child or Children

Any unmarried person under the age of 18 years of age, or 23 years of age if in full time education, who lives with You.


Any Dependant Children, husband, wife, civil partner, or any person You live with as though You are married.


The residential property named on Kwik Fit Insurance Services household insurance


Period of Insurance

This Policy will run concurrently with Your Kwik Fit Insurance Services household insurance Policy for a maximum of 12 months. If You arranged this Policy after the Start Date of Your household insurance

Policy cover will be provided from the date You bought it and will end on the expiry date

of Your household insurance Policy.


The documents consisting of Your Policy wording and Your household insurance welcome letter.


You are eligible to take out Kwik Fit

Insurance Services Personal Accident Insurance if on the Start Date You agree to pay the premium and:

You have a valid Kwik Fit Insurance

Services household insurance Policy;

You are aged between 16 and 80; and

You are a UK resident with a permanent


Household Personal Accident - Policy Wording

What is Covered

If during the Period of Insurance You or a

member of Your Family suffers an

Accidental Death We will pay the

following benefits:

This Policy will not pay any benefit in the following circumstances;

Claims for You or any member of Your

Family who are over 81 years of age at

point of claim.

Where Accidental Death arises from commercial, occupational, trade or business purposes.

Suicide, attempted suicide or intentional self-injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or insanity or Your or a member of Your Family's criminal act.

Where Accidental Death arises due to drugs or alcohol.

Due to any matrimonial or Family dispute.

Accidental Death arising from a

medical condition which You or Your

Family suffered from in the 12 month

period immediately prior to the Start

Date of Your cover which:

- You or Your Family knew about, or should reasonably have known about or - You or Your Family had seen, or

arranged to see, a doctor about.

General Exclusions

We will not pay for:

Radioactive contamination

Accidental Death caused by or arising


ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of

War risks

Accidental Death caused by any sort of

war, invasion or revolution.


Accidental Death directly or indirectly

Cover Limit

Accidental Death £30,000

(per person) Members of the Family under

the age of 16 years old £2,500 Subject to a maximum claim

limit for any one Accident £150,000

What is Covered


General Conditions

False/Fraudulent Claims

If You or anyone acting on Your behalf makes a claim under this Policy and know the claim is false or fraudulent in any way, the cover is void and the claim will not be paid, and all monies received by You or

Your representatives, shall be immediately



In the event of any incident which may give rise to a claim You must follow the claims procedure detailed in this Policy.

Governing Law

Unless some other law is agreed in writing, this Policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which Your main residence is situated.

Data Protection

Please note that any information provided to Us will be processed by

Us and Our agents in compliance with

the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. The Data Protection Act 1998 gives You the right to a copy of Your personal data held by Us upon payment of a fee.

Rights and responsibilities

We have the right, at Our expense and in Your name to:

take over the defence or settlement of any claim;

start legal action to get compensation from anyone else; and

start legal action to get back from anyone else any payments that have already been made.

You must give Us or the Administrator,

and pay for, all the information We or they reasonably ask for about the claim. At Our cost You must also help Us to take legal action against anyone who may be liable for the Accident or help Us defend any legal action if We ask You to.

Consumer Insurance Act

You are required by the provisions of the

Consumer Insurance (Disclosure and Representations) Act to take care to: a.) supply accurate and complete

answers to all the questions We or the Administrator may ask as part of Your application for cover under the Policy; b.) make sure that all information

supplied as part of Your application for cover is true and correct;

c.) tell Us of any changes to the answers You have given as soon as possible.

Failure to provide answers in-line with the requirement of the Act may mean that Your

Policy is invalid and that it does not operate


How to make a claim

Taking Care

You and any member of Your Family

must take all steps to prevent or minimise the chance of an Accident.

If You or a representative need to make a claim the following guidance may be of assistance.

1. Please read Your Policy to check that the cause of the claim is covered. 2. Contact the Administrator on

0800 952 1759 as soon as is

reasonably possible.

3. The Administrator may provide You with a claim form and a list of the documents that are required.

Transferring Your Interest in

the Policy

You cannot transfer Your interest in the Policy to anyone else unless You have

obtained Our written permission.

4. If You have been given a claim form to complete please return this to the

Administrator along with any other

items that may have been requested. 5. Upon receipt of Your claim form the

Administrator will contact You by

telephone or post.

UK General Insurance Limited is an insurers agent and in the matters of a claim act on behalf of the insurer.


This insurance is optional and You have a right to cancel Your Policy during a period of 14 days from the Start

Date of the Policy or the day on which You receive Your Policy documents,

whichever is the latter. If You wish to cancel during this period, You will be entitled to a full refund of any premiums paid, providing You have not made a claim, by contacting Kwik Fit Insurance Services on 0800 183 6116. You can also cancel Your Policy at any other time by calling Kwik Fit Insurance Services.

Insurance Services after the 14 day period referred to above.

We reserve the right to withdraw, cancel

or vary the cover provided and/or to alter the rates of premium charged. We will give at least 30 days written notice to You for any changes in relation to increases in premiums, reductions in what You are covered for under Your Policy. Notice will be served at Your last known address.

Our cancellation will not affect Our liability


How to make a


It is the intention to give You the best possible service however if You have a complaint about the way in which Your

Policy was sold to You, it should be

addressed to:

Kwik Fit Insurance Services, 1 Masterton Way,

Tannochside Business Park, Uddingston,

G71 5PU.

Email: Tel: 0800 183 6116

(all calls are recorded).

If You have any questions or concerns about the handling of a claim You should contact the Administrators at Direct Group Limited, Quay Point, Lakeside Boulevard, Doncaster, DN4 5PL.

Telephone: 0800 952 1764 (all calls are recorded for training, compliance, claims and counter fraud purposes).

Please ensure Your claim number is

quoted in all correspondence to assist a quick and efficient response.

If it is not possible to reach an agreement,

You have the right to make an appeal

to the Financial Ombudsman Service. This also applies if You are insured in a business capacity and have an annual turnover of less than €2 million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, Exchange Tower,London, E14 9SR.

Tel: 0800 023 4567.

Your statutory rights are not affected

if You do not follow the complaints procedure above. For further information about Your statutory rights contact Your local authority Trading Standards Service or Citizens Advice Bureau.

Financial Compensation


Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance

contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit


Household Personal Accident - Policy Wording

Useful Contacts

Kwik Fit Insurance Services

1 Masterton Way,

Tannochside Business Park, Uddingston,

G71 5PU

Customer Services telephone:

0800 027 9876

The Administrator

Direct Group Limited, Quay Point, Lakeside Boulevard, Doncaster, South Yorkshire DN4 5PL. Claims Department - Telephone: 0800 952 1759


Policy Document

(Keep me somewhere safe)

Kwik Fit Insurance Services is a trading name of Ageas Retail Limited. Registered office Ageas House,

Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA.

Registered in England and Wales 1324965.

Ageas Retail Limited is authorised and regulated by the Financial Conduct Authority.

FCA registered number: 312468

Ageas Retail Limited is a sister company of Ageas Insurance Limited. Household Personal Accident Policy KFIS-HHPAP-1214-V1.7

Kwik Fit Insurance Services 1 Masterton Way Tannochside Business Park Uddingston




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