Motor Personal Accident Insurance

Motor

Contents

Your Demands and Needs

Your Insurance

Definitions

Eligibility

What is Covered

Additional Benefits

What we will Not Cover

General Exclusions

General Conditions

How to make a Claim

Cancellation

Your Demands and Needs

This product meets the demands and needs of those who wish compensation if they or their passengers are seriously injured or killed in a road traffic Accident in the insured vehicle. The Green Insurance Company does not make personal recommendations as to whether this Policy suits individual circumstances.

Your Insurance

This insurance has been arranged by The Green Insurance Company.

This insurance has been accepted 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 Limited is authorised and regulated by the Financial Conduct Authority. Ageas Insurance Limited is authorised by the Prudential Regulation Authority ad 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

www.fca.org.uk

If You have paid the premium as shown in Your motor insurance welcome letter, We will agree to insure

You, subject to the terms and conditions of this Policy, against Bodily Injury, damage or death You

may incur for Accidents 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 motor 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 The Green Insurance Company.

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.

Definitions

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

Accident/Accidental

Means a sudden and unexpected event involving a road traffic incident which happens by chance and causes Bodily Injury or death during the Period of Insurance.

Administrator

Direct Group Limited at Quay Point, Lakeside Boulevard, Doncaster, DN4 5PL. Direct Group Limited is authorised and regulated by the Financial Conduct Authority number 307332 and handles claims on behalf of the insurer.

Bodily Injury

Means identifiable physical injury.

Doctor

A medical practitioner (other than You or a member of Your family) who holds a full qualification entitling him or her to full registration with the General Medical Council.

Geographical Limit

• United Kingdom; and

• Andora, Austria, Belgium, Croatia, Cyprus, Czech

Republic, Denmark, Estonia, Finland, France (including Monaco) Germany, Gilbralta, Greece, Hungary, Iceland, Ireland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, cont'd

Claims 0800 561 0293

Poland, Portugal, Solvakia, Solvenia, Spain, Sweden, and Switerzerland (including Liechtenstein) providing that You are driving the Insured Vehicle and do not use the Insured Vehicle outside the United Kingdom for more than 90 days in the Period of Insurance.

Hospital

Means a lawfully registered establishment which has accommodation for residential patients) with facilities for diagnosis and major surgery and which provides a 24-hour service by registered nurses. It does not include a convalescent, self-care or rest home, or a department in a Hospital which has the role of a convalescent or nursing home.

Insured Person

Category 1

Category 2

You and Your spouse (including

Common Law and/or Civil Law Partner).

Any passenger travelling in any car driven by You which You are insured to drive under the Motor Insurance Policy.

Insured Vehicle

The private car insured under the Motor Insurance

Policy.

Loss of Hearing or Speech

The total, permanent and irrecoverable Loss of

Hearing or Speech.

Loss of Limb

Means loss by physical severance at or above the wrist or ankle or the total and permanent loss of an entire hand, arm, foot or leg.

Loss of Sight

Means complete and irrecoverable Loss of Sight in one or both eyes.

Motor Insurance Policy

The comprehensive Green Insurance Company

Motor Insurance Policy that has been issued to You

for the Insured Vehicle.

Permanent Total Disablement

Means total disablement from engaging in or attending to any occupation whatsoever for at least 12 months from the date of Bodily Injury, and at the end of that time being beyond hope of improvement.

Period of Insurance

This Policy will run concurrently with Your Motor Insurance Policy for a maximum of 12 months. If

You arranged this Policy after the Start Date of Your Motor Insurance Policy cover will be provided from

the date You bought it and will end on the expiry date of Your Motor Insurance Policy, as detailed on the certificate of motor insurance.

Policy

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

Start Date

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

Terrorism

Use, or threat of use, of a biological, 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.

We/Us/Our

UK General Insurance Ltd on behalf of Ageas Insurance Limited.

You/Your

Eligibility

You are eligible to take out The Green Insurance

Company Personal Accident Insurance if on the

Start Date You agree to pay the premium and:

• You have a valid The Green Insurance Company

Motor Insurance Policy

• You are aged between 18 and 80, and

• You are a UK resident with a permanent UK

address.

What is Covered

Within the Geographical Limits and the Period of Insurance, We will pay the amount shown below if due to an Insured Incident an Insured Person suffers

Accidental Bodily Injury or death.

Insured Incidents

1. An Accident which occurs whilst a Category 1 Insured Person is driving any car which they are insured to drive under the Motor Insurance

Policy, or whilst they are a passenger in any car,

including getting into and out of such a vehicle. 2. An Accident which occurs whilst a Category

2 Insured Person is travelling in, getting into to or out of, any car driven by You which You are insured to drive under the Motor Insurance Policy. 3. In relation to both categories of Insured Person,

a malicious and unprovoked assault by the occupant or rider of another motor vehicle or pedal cycle which occurs in the vicinity of the

Insured Vehicle.

The amounts We will pay under this section are:

Cover

Death

Death

(For any Insured Person under the age of 16 years or in full time education)

Loss of Sight

Loss of Speech

Loss of Hearing in both ears Loss of Hearing in one ear

Loss of Limb/Limbs

Permanent Total Disablement (excluding Loss of Sight, Loss of Limbs, Loss of Hearing or Speech)

All subject to a maximum claim limit per person and;

Total Maximum claim limit for all people in any one Accident

Limit

£30,000 £2,500 £30,000 £30,000 £30,000 £7,500 £30,000 £30,000 £30,000 £240,000

Additional Benefits

The following additional benefits will apply if an

Insured Person suffers Accidental Bodily Injury

resulting from a malicious and unprovoked assault by the occupant or rider of another motor vehicle or pedal cycle which occurs in the vicinity of the

Insured Vehicle.

see over for table.

Claims 0800 561 0293

Cover

Emergency Dental Expenses Personal Effects Hospital Daily Benefit Stress Counselling

Limit

Up to £250 for emergency dental treatment for the Insured Persons natural teeth within 7 days of the assault.

Cover excludes the first £25 of each and every claim.

Up to £150 for damage to the Insured Persons clothing and or personal effects. Cover excludes the first £25 of each and every claim.

The Policy will pay £100 per each completed 24 hour period of stay in Hospital, up to a maximum of £3,000. Cover excludes the first 24 hour period of stay.

Up to 5 stress counselling sessions with a qualified counsellor up to a maximum claim limit of £500.

• Unless otherwise agreed with Us this Policy will not

cover, Bodily Injury or death arising from a medical condition which the Insured Person suffered from in the 12 month period immediately prior to the Start Date of cover which:

- The Insured Person knew about, or should reasonably have known about or

- The Insured Person had seen, or arranged to see, a Doctor about.

• Whilst the Insured Person is engaged in military, air

force or naval services or operations.

• Whilst the Insured Person is using the Insured

Vehicle in any kind of race, motor trade, private or public hire as a courier, haulier, mini bus or driving instructor.

• Any matrimonial or family dispute.

• Provoked assault or fighting (except in bona fide

self defence).

What we will Not Cover

This Policy will not cover loss, disablement or death arising in the following circumstances:

• Claims for Insured Person's who are over 81 years

of age at point of claim.

• More than one claim under each cover from the

consequences of one Accident to any one Insured Person.

• Suicide, attempted suicide or intentional self-injury

or deliberate exposure to exceptional danger (except in an attempt to save human life), or insanity or the Insured Person's own criminal act.

• Riding a motorcycle or moped as a driver or

passenger.

• Whilst the Insured Person is under the influence of

drugs or alcohol.

General Exclusions

We will not pay for:

Radioactive contamination

Loss or damage to property, liability, expense death or injury caused by or arising from:

• ionising radiation or radioactive contamination from

any nuclear fuel or waste which results from the burning of nuclear fuel; or

• the radioactive, toxic, explosive or other dangerous

properties of nuclear machinery or any part of it.

War risks

Any loss or damage by any sort of war, invasion or revolution.

Terrorism

Any loss, damage, liability, cost or expense of any kind directly or indirectly caused by, resulting from or in connection with any act of Terrorism.

General Conditions

False/Fraudulent Claims

If You or anyone acting on Your behalf makes a claim under this certificate of insurance 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 repaid.

Claims

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;

• start legal action to get back from anyone else any

payments that have already been made.

all the information We or they reasonably ask for about the claim, including written estimates and proof of ownership and value. Do not dispose of any damaged items until We or the Administrator have had the opportunity to inspect them. At Our cost You must also help Us to take legal action against anyone 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 in the event of a claim.

Taking Care

You and any member of Your household must take all

steps to prevent or minimise loss, damage or

Accident and maintain the property covered by this Policy in a sound condition and good repair.

Other Insurance

If a claim is covered under Your Policy and this claim Is covered by any other insurance, We will only pay

Our share of the claim.

Claims 0800 561 0293

Transferring Your Interest in the Policy

You cannot transfer Your interest in the Policy to

anyone else unless You have obtained Our written permission.

Police

You must report the Insured Incident to the police

within 24 hours.

3. Contact the Administrator on 0800 561 0293 as soon as reasonably possible.

4. The Administrator may provide You with a claim form and a list of the documents that are required. 5. If You have been given a claim form to complete

please return this to the Administrator along with any other items that may have requested. 6. 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.

Cancellation

This insurance is optional and You have a right to cancel Your Policy during a period of 14 days from the day of purchase of the Policy or the day on which

You receive Your Policy documents, whichever is the

later. 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 The Green Insurance Company on 0800 183 3113.

You can also cancel Your Policy at any other time by

calling The Green Insurance Company however You will not receive any refund of premium.

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 for events before cancellation, which may give rise to a claim. Providing the premium has been paid in full You shall be entitled to a proportionate rebate of premium in respect of the unexpired Period of Insurance. The Green Insurance Company may cancel Your Policy if You fo not pay the premium.

How to make a Complaint

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 The Green Insurance Company, 1 Masterton Way,

Tannochside Business Park, Uddingston,

G71 5PU.

Email: complain@greeninsurancecompany.co.uk Tel: 0845 272 7300

(all calls are recorded). How to make a Claim

We hope You won't suffer any misfortune that would

result in Your making a claim, but if You do, the following guidance may be of assistance.

1. Please read Your Policy to check that the cause of the claim is covered.

2. You must contact the police within 24 hours of the

Accident.

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 561 0289 (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, South Quay Plaza, 183 Marsh Wall, Docklands, 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

Scheme

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

www.fscs.org.uk.

Useful Contacts

The Green Insurance Company,

1 Masterton Way,

Tannochside Business Park, Uddingston,

G71 5PU

Customer Services telephone: 0800 183 3113.

The Administrator

Direct Group Limited, Quay Point, Lakeside Boulevard, Doncaster, South Yorkshire DN4 5PL.

Claims Department - Telephone: 0800 561 0293. Telephone lines are open 9am to 5pm Monday to Friday, excluding bank holidays. All calls are recorded for training, compliance, claims and counter fraud purposes.

Claims 0800 561 0293

The Green Insurance Company 1 Masterton Way

Tannochside Business Park Uddingston G71 5PU Registered in Scotland Company number SC314868 VAT number 380094850 Registered Office 1 Masterton Way Tannochside Business Park Glasgow G71 5PU