Amendments to
‘Our guide to your cover’
Contents
Amendments to ‘Our guide to your cover’ . . . .
PAGE1
Motor Legal Protection Policy . . . .
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If you would like an up to date ‘Our guide to your cover’ please contact our
Renewals hotline on 0844 848 0048 . Alternatively, you can view the document on our website at bell.co.uk
Bell is a trading name of EUI Limited .
The following changes will apply to your
motor policy from this renewal . If you would
like an up to date ‘Our guide to your cover’ please contact our Renewals Hotline on 0844 848 0048 . Alternatively you can view
the document on our website at bell.co.uk .
IMPORTANT
The following amended paragraphs must be read in conjunction with other points laid out in the relevant section of ‘Our guide to your cover’ and all previous policy amendments issued .
Welcome to Bell Car Insurance
We hope you are happy with your policy .
However, if it does not meet with your
requirements, subject to you not making a claim please contact us within 14 days of your welcome letter or email . You will also
need to return your Certificate of Motor Insurance . We will make a charge to cover
the costs of setting up your policy . Please note
changes to your policy or cancellation will
incur administration charges or fees which are payable to EUI for handling the administration of your policy . Details of these fees are given
in ‘Additional Charges and Cancellation of your Motor Policy’ included in your welcome and
renewal documents .
Definitions
Whenever the following words appear bold in this booklet or in your current policy schedule
they will have the meaning given below:
Material Facts
These are the details about you, your drivers, your car and its use, which we ask you to tell us about so we can assess if we are able to insure you, the terms that will apply and the premium you should pay .
Am I covered to drive other cars?
If you are the policyholder and 25 or over,
then Bell may arrange third party cover for
you to drive someone else’s car . Please see section 5 of your current certificate of
motor insurance which tells you if you have
this cover .
Keeping your policy up to date
IMPORTANT
Material changes in your circumstances are
changes in the details you have given us
about you, your drivers, your car and its use,
which could alter the terms of our agreement
to insure you or the premium you pay . For
example, if you have received motoring
convictions since your policy started . 2 Please tell us immediately
If you or any driver named on your
policy, have been disqualified from driving, your entitlement to drive
has been suspended or withdrawn (revoked) or your driving licence status
has changed .
3 Please tell us when you renew your insurance
If any details shown on the Motor Renewal Confirmation Form are incorrect .
IMPORTANT
The following amended paragraphs must be read in conjunction with other points laid out in the relevant section of ‘Our guide to your cover’ and all previous policy
amendments issued .
Amendments to
‘Our guide to your Cover’
Managing your Policy
You should tell us of any changes about you, your drivers, your car and its use otherwise your policy could be cancelled .
Please note changes to your policy or
cancellation may incur administration charges or fees which are payable to EUI for handling the administration of your
policy . Details of these fees are given in ‘Additional Charges and Cancellation of your Motor Policy’ included in your welcome and
renewal documents .
Making a claim
If you do not wish to use our Approved
Repairers we cannot provide you with a
courtesy car .
You do not have to pay any excess if your
car is damaged while with the motor trade for servicing repairs .
SECTION 3 : Liability to other people
The following wording has been removed from Section 3: Liability to other people:
the legal personal representative of anyone covered under this section if that person dies .
5 What is not covered
any loss, damage, death or injury arising as a result of racing formally or informally against another motorist, “road rage” or a deliberate act caused by you or any driver insured to drive your car .
Section 7: Extra Cover
1 Personal injury benefits
anyone who is driving whilst breaching General Condition 11 at the time of the accident .
3 Personal belongings
We will pay up to £100 for personal
belongings in your car if they are damaged
or stolen . This amount is increased to £500 if it is a Camper Van to include extra cover for non standard fixtures and fittings . If you ask us to pay someone else we will
have no further responsibility to you once we
have done so .
You are not covered for loss or damage to;
money, credit or debit cards, stamps, tickets, vouchers, documents or securities
goods or samples carried in connection with any trade or business
any property insured under another policy
property from an open and/or unlocked convertible car, unless the property was locked in the boot or glove compartment
loss or damage caused by theft, or attempted theft or fire if your car has
been unlocked and unattended or the keys have been left in or on your car
General Exceptions to your cover
We will not cover you or be liable for any of
the following:
1 Any accident, injury, loss, theft or damage which happens while your car is:
rented out or used for hiring, merchandise delivery or for any purpose in connection with the Motor Trade
used on the Nurburgring Nordschleife, or for racing formally or informally against another motorist, pace-making, competitions, rallies, track days, trials or tests, speed trials or speed tests, either on a road, track, or at an off-road 4x4 event
General Conditions of
yourcover
1 Your duties
the information given at the start of your policy or renewal (confirmed
to you in the Motor Proposal
Confirmation or Motor Renewal Confirmation) or when registering a
claim is true and complete 2 Claims procedure You must:
send any writ, summons or letters received in connection with any claim,
accident or loss to us as soon as you
receive them
report any claim, accident or loss to us
within 48 hours regardless of fault
report any claim for theft or when your car has been taken without your
consent immediately to the police and obtain a crime reference number within 24 hours
Failure to comply with the above could result in you not being indemnified and/or your
policy being cancelled .
We are entitled to:
appoint an approved repairer to repair
your car . In the unlikely event the
repairs are considered unsatisfactory, the approved repairer will have the option to rectify the work . Should the repairs still be considered unsatisfactory, you may then use
another repairer providing we have
confirmed it and agreed for the work to be carried out .
4 Cancelling your policy
You may cancel this policy at any time by
contacting us .
You have 14 days from the receipt of your
welcome letter or email to cancel your
policy, subject to you not making a claim .
Cancellation will incur administration
charges that are payable to EUI for the cost of arranging and handling your policy .
Details of these fees are given in ‘Additional Charges and Cancellation of your Motor Policy’ included in your welcome and
renewal documents .
We may cancel this policy at any time by
sending seven days notice in writing to your
last known address if you:
are in breach of any of the General Conditions of your policy
ignore or fail to comply with General Exceptions 1, 8 and 9
fail to respond to written requests for further information or documentation
misrepresent material facts about you, your drivers, your car or its use
harass or use abusive or threatening behaviour towards our staff
behave in a manner that makes it inappropriate for us to continue your
insurance .
We may cancel this policy due to non
payment . However we will give you fourteen
days notice if we intend cancelling due to
non payment of your monthly instalments, in
order to give you time to resolve the matter .
If a claim is made or has arisen during the period of insurance the full premium is
payable and no refund will be given . This applies in all circumstances regardless of the payment method .
You must pay any outstanding premium
within 10 days of your policy being
cancelled . Where possible we will apply for
any outstanding amounts from the payment details held on file . Delayed payments will incur additional charges . Details of these fees are given in ‘Additional Charges and Cancellation of your Motor Policy’ included in
your welcome and renewal documents .
Should your car be stolen and/or deemed
a total loss, your policy will be cancelled
without prior notice by writing to your
last known address . We will deduct any
outstanding premium owed from any payment to you . If your car is a total loss
please refer to General Condition 10 .
IMPORTANT
In all cases, you must either complete the
‘Declaration to Surrender’ form or return the original Certificate of Motor Insurance to us .
If you have any questions on cancelling your
policy, please call our Customer Services
Department on 0871 882 1100 . Calls to
0871 numbers are charged at 8p per minute plus network extras . Or you can write to us at Bell, Capital Tower, Greyfriars Road,
Cardiff, CF10 3AZ
11 Drink and drugs clause
If an accident happens whilst you or any
person entitled to drive under Section 5 of
your current Certificate of Motor Insurance:
is found to be over the prescribed limit for alcohol
is driving whilst unfit through drink or drugs, whether prescribed or otherwise
fails to provide a sample of breath, blood or urine when required to do so without lawful reason .
No cover under the policy will be provided and instead, liability will be restricted to meeting the obligations as required by Road Traffic Law . In those circumstances, we
will recover from you or the driver, all sums
paid (including all legal costs), whether in settlement or under a Judgment, of any
claim arising from the accident .
15 Material Changes in Circumstances
If there is a material change in
circumstances then you must tell us, as we
may not be able to arrange cover in every case . Material changes in circumstances
are changes in the details you have given us about you, your drivers, your car and its
use . If we are able to arrange cover, we will
calculate any difference in premium from the date circumstances changed even if this happened in a previous period of insurance .
If we are not able to arrange cover, your
policy will be cancelled or even declared void . Please read in accordance with page 4 ‘Keeping your policy up to date’ .
Extra Conditions (endorsements)
12 Trailer Cover
Any trailer attached to your car will have
cover under Section 3 of the policy if:
you have given full details of the trailer;
and
you have the correct driving entitlement
to tow a trailer of this type, and
you own the trailer or it is hired to you
under a hire purchase agreement .
Privacy and Security Statement
2 Collecting Information Personal
When providing information about others who may be insured you confirm that you
have the consent of these individuals to supply their personal information .
We will collect your personal information
when:
You ask for a quote
You purchase our products and services
You make customer enquiries
You register for information or other
services
You register a claim
You respond to communications or
Non-personal information collected online Cookies
We use cookies on our website for a number
of reasons including:
Enabling users to obtain quotes from
our website (session cookie);
Ensuring the security of our customers
(session cookie);
Making possible certain site functionality (session cookie); and
Website traffic and visitor behaviour tracking (persistent cookie) .
The session cookies that we use are strictly
necessary for the website to operate and are essential to make possible certain site functionality, including obtaining a quote and also to protect the security of our customers .
The persistent cookies used on our website
help us to improve the user experience
and structure of our website by collecting
anonymous data about how it is being used . These are Google Analytics cookies . To opt out of being tracked by Google Analytics across all websites visit http://tools .google . com/dlpage/gaoptout .
For information about how to manage and disable cookies you can use the ‘Help’
function within your browser or please visit
www .aboutcookies .org or www .allaboutcookies .org .
Please be aware that our website contains
links to and from other websites . We accept
no responsibility or liability for the content of these websites or the cookies they use . If you choose to visit another website via our website, you will need to contact them
separately to have your personal information
deleted from any records they might hold . If you would like more information regarding
cookies or our use of them, please read our
online Cookie policy at www .bell.co.uk or
contact the Data Protection Officer at the following address:
Data Protection Officer, EUI Limited, Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ .
4. Confidentiality
When you apply to us to open an account, we make a number of checks to assess your
application for credit and verifying identities to prevent and detect crime and money laundering to obtain this information, we will
check the following records about you and
anyone else who may also be insured and whose personal details have been provided as part of the insurance application .
Our own records .
Credit Reference Agency (CRA) records . When we search these records
CRAs will place a search footprint on
your credit file that may be seen by
other lenders . They supply us with
both public (including the electoral register), and shared credit and fraud prevention information .
Fraud Prevention Agency (FPA) Records .
We make searches about you at credit
reference agencies who will supply us with
information, including the Electoral Register and credit information . The agencies will record details of the search whether or not
your application proceeds . The searches will
not be seen or used by lenders to assess
your ability to obtain credit . We may use
scoring methods to assess this application and to verify your identity . Credit searches
and other information which is provided to us and/or the credit reference agencies,
about you and those with whom you are
linked financially, may be used by EUI Limited and other companies if you, or other
members of your household, apply for other
facilities including insurance applications and claims . This information may also be used for debt tracing and the prevention of money laundering as well as the management of
your account . Alternatively, we may ask you
to provide physical forms of identification .
We may also make periodic searches at
CRAs and FPAs to manage your account
with us .
Information on applications will be sent to and recorded by CRAs . When you borrow
from us, we will give details of your
account(s) and how you manage it / them
to CRAs . If you borrow and do not repay
in full and on time, CRAs will record the outstanding debt . This information may be supplied to other organisations by CRAs and FPAs to perform similar checks, and to trace
your whereabouts and recover debts that you owe . Records remain on file for six years
after they are closed, whether settled by you
or defaulted .
If you give us false or inaccurate information
and we suspect or identify fraud, we will
record it and may also pass this information to FPAs and other organisations involved in crime and fraud prevention .
If you borrow from us and do not make
payments that you owe us, we will trace your whereabouts and recover debts . Your data may also be used for other
purposes for which you give your specific
permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998 .
How to Find Out More
This is a condensed guide to the use of your
personal information . If you would like to
read the full details of how your data may
be used please phone our Customer Services
Department on 0871 882 1100, or write to us at Pricing Department, Floor 23, Capital
Tower, Greyfriars Road, Cardiff, CF10 3AZ .
You can contact the CRAs currently operating
in the UK; the information they hold may not be the same so it is worth contacting them all . They will charge you a small
statutory fee .
Call Credit, Consumer Services Team, PO Box 491, Leads, LS3 1WZ or call
0870 060 1414 or log on to www .
callcredit .co .uk .
Equifax, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US or call 0844 335 0550 or log on to
www .equifax .co .uk .
Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF or call 0844 481 8000 or log on
to www .experian .co .uk .
Please contact us on 0800 052 3144 if you
want to receive details of the relevant fraud prevention agencies .
If necessary we may also have to investigate your claims and conviction history in the
course of administering the claim . You
can be assured that we will keep such
investigations strictly confidential . Insurers pass information to the Claims Underwriting and Exchange Register, run by Insurance Database Services (IDS) and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI) . This helps insurers check information and prevent fraudulent claims . When we deal with your request for
insurance we may search these registers .
Under the conditions of your policy, you
must tell us about any incident (such as an
accident or theft) which may give rise to a
claim . When you tell us about an incident we will pass information to the Registers .
Information relating to your insurance
policy will be added to the Motor Insurance Database (“MID”) managed by the Motor Insurers’ Bureau (“MIB”) . MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
Electronic Licensing
Continuous Insurance Enforcement;
Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
The provision of government services and or other services aimed at reducing the level and incidence of uninsured driving .
If you are involved in a road traffic
accident (either in the UK, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information .
Persons (including his or her appointed representatives) pursuing a claim in respect
of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID . It is vital that the MID holds your correct
registration number . If it is incorrectly shown on the MID you are at risk of having your
vehicle seized by the Police . You can check
that your correct registration number details
are shown on the MID at ww .askmid .com .
ADDITIONAL PRODUCT
This Policy Summary does not contain the full terms and conditions of the cover which can be found in the Policy Document . It is important that you read the Policy Document
which follows this Policy Summary . Provided you have paid the motor insurance policy premium your cover will be valid
from the start date to the termination date of this policy, as advised, and any subsequent
period for which you have paid the full motor insurance policy premiums due .
The Motor Legal Protection Policy provides cover to fund legal proceedings to recover uninsured losses sustained by you in a motor
vehicle accident for which you were not
to blame and are not covered by another contract of insurance .
AmTrust Europe Limited underwrites the Motor Legal Protection Policy .
Duration
The period of the motor insurance policy
which runs concurrent with this policy and
does not exceed twelve months .
Cancellation right
You have the right to cancel this policy
within fourteen days of the date upon which you receive your confirmation letter
or email, subject to no claim being made
upon the policy .
Amendments to Motor Legal Protection
Policy
Policy Summary
DEMANDS AND NEEDS STATEMENTThis Policy meets the demands and needs of a driver who, if they are involved in a motor accident which is not their fault, will require:
the provision of a loss recovery service (including legal assistance and representation if necessary) to recover any uninsured losses arising from the accident; and
cover against the legal costs (including the costs of the loss recovery service) incurred in pursuing any claim for recovery of such losses (including any claim for death or personal injury) to the extent that these costs are not fully recovered from the other party or their insurers.
EUI Limited (trading as Bell) does not make personal recommendations as to the suitability of the Policy to individual circumstances.
®
This cover only applies if included on your policy or you have purchased Motor Legal Protection as shown in your current Policy Schedule or your Renewal Notice.
Cancellation of this policy is subject to
the cancellation of the motor insurance policy . A refund will be provided in
accordance with the cancellation terms of the
motor insurance policy . If you do not exercise
this right to cancel your policy it will remain
in force for the term of the Motor out notice within 14 days from receipt of your Welcome
Pack, subject to no claim being made upon
the policy .
Cancellation of this policy is subject to the
cancellation of the motor insurance policy .
A refund will be provided in accordance with the cancellation terms of the motor insurance policy . If you do not exercise this
right to cancel your policy it will remain in
force for the term of the motor insurance policy . After this 14 day period you can
cancel at any time in accordance with the cancellation terms of the motor insurance policy . Cancellation will incur administration
charges that are payable to EUI for the cost of arranging and handling your policy .
Details of these fees are given in ‘Additional Charges and Cancellation of your Motor Policy’ included in your welcome and renewal
documents . Please contact EUI Limited, Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ or call 0871 882 1100 . Calls to
0871 numbers are charged at 8p per minute plus network extras .
Making a claim
You must report any incident that may lead
to a claim to us directly or via EUI Limited
(trading as Bell) . Telephone 0844 543 4410
to report the claim as soon as possible . To
take advantage of your cover this must be
done within 180 days of the incident . You
will need your policy number, your vehicle
registration number and the date of the incident . You must be able to confirm you are
insured with EUI Limited (trading as Bell) .
How to make a complaint
Complaints should be made to:
The Managing Director, Composite Legal Expenses Ltd, Suffolk House, Trade Street, Cardiff CF10 5DT .
Tel: 02920 222 033
E-mail: complaints@composite-legal .com If we have given you our final response
or more than 8 weeks have passed since
we received your original complaint, you
may refer your complaint to the Financial
Ombudsman Service (FOS) at South Quay Plaza, 183 March Wall, London E14 9SR . Tel: 0800 0 234 567 free for people phoning
from a ‘fixed line’ (eg . a landline at home) . OR 0300 123 9 123 free for mobile phone
users who pay a monthly charge for calls to numbers starting 01 or 02 .
Financial Services Compensation
Scheme
AmTrust Europe Limited are covered by Financial Services Compensation Scheme (FSCS) . You may be entitled to compensation
from the scheme if they cannot meet their obligations . This depends upon the type of business and circumstances of the claim .
Most insurance contracts are covered for 90% of the claim . Further information is available from the Financial Services Authority or the FSCS at www .fscs .org .uk or on 0800 678 1100 or 020 7741 4100 .
Policy Section
Territorial limits
The policy will provide cover for insured incidents arising in: The United Kingdom of
Great Britain and Northern Ireland, the Isle of Man, the Channel Islands, the European Union, Andorra, Croatia, Iceland, Lichtenstein, Norway and Switzerland .
Definitions: Policy limit Exclusions: 16 a) & 16 b) Conditions: 2 e) Definitions: Territorial limits Significant exclusions or limitations Significant features and benefits
Legal costs are covered
up to a maximum of £100,000 . This includes any legal costs you may be responsible
for whether incurred by you or any other
person .
Legal costs where you have taken action
without first obtaining
our agreement or cause
delay or fail to give reasonable assistance to us .
We are free to choose
the authorised representative to
negotiate and settle
claim on your behalf .
The list of countries is shown in the policy .
As a result of an accident involving the insured vehicle we will pursue any uninsured losses
and any legal costs incurred by you in bringing
a claim against the responsible third party . We may agree to appoint solicitors to do this
on your behalf .
Authorised drivers and passengers will also receive the benefits of the policy .
Page 11
IMPORTANT
Motor Legal Protection Policy
Underwriters - AmTrust Europe Limited,
Market Square, St Jame’s Street, Nottingham, Nottinghamshire NG1 6FG .
Administrator - Composite Legal Expenses,
Suffolk House, Trade Street, Cardiff CF10 5DT .
Agent - EUI Limited (trading as Bell) .
Definitions
Whenever the following words appear bold in this booklet or in your current policy schedule they will have the meaning
given below:
We, Us, Our
The underwriters of this insurance and/or administrator acting on their behalf .
You, Your
The person who has paid the appropriate motor insurance policy premium and any other person authorised by you to drive or to be a passenger in or on the insured vehicle .
Authorised Representative
A solicitor, counsel, or claims handler appointed under the terms and conditions of this policy to represent your interests .
Claim
A civil claim for damages arising out of an insured incident .
Injury
Bodily injury or death disease or illness of any person .
Insured Incident
An event caused by a third party that results in loss or damage to the insured vehicle,
personal property or injury to you . The event must involve the insured vehicle and have occurred within the territorial limits .
Insured Vehicle
Any motor vehicle that you own or for which you are legally responsible including any caravan or trailer properly constructed to be towed by such vehicle and which is attached to it by normal means of towing and for which the appropriate motor insurance policy premium has been paid which are permitted to use the public highway .
Legal Costs
Any irrecoverable fees, expenses and other disbursements reasonably and properly incurred by the authorised representative with our prior written authority in connection with any claim or legal proceedings by or against you . Also the costs incurred by the other party or parties as a result of a claim which you are ordered to pay by any Court or which are payable by you under the terms of a settlement approved in writing by us or which became payable by you as a result of you discontinuing proceedings with our consent .
Motor Insurance Policy
The policy of insurance issued to you in compliance with the Road Traffic Act valid at the time of the Insured Event .
Motor Insurance Policy Premium
This means the payment which is required to be paid to ensure that the cover remains in force for the motor insurance policy issued by EUI Limited (trading as Bell) .
Period of Insurance
The period of insurance shown in the schedule of this policy .
Personal Property
Any personal property that you own or are legally responsible for, in or on the insured vehicle at the time of the insured incident .
Policy
This policy of insurance .
Policy Limit
£100,000 per insured incident . This includes both the legal costs incurred by you and the legal costs of any other party or parties for which we are responsible for under the terms of this policy .
Prospects of Success
Reasonable prospects greater than or equal to a 51% chance of success .
Territorial Limits
The United Kingdom of Great Britain and Northern Ireland, the Isle of Man, the Channel Islands, the European Union, Andorra, Croatia, Iceland, Lichtenstein, Norway and Switzerland .
Third Party
The other person(s) and / or party(s) not including you responsible for the insured incident .
Agreement
We and you agree that this policy including
any schedule issued are to be considered as one document and any word or expression which has been defined herein shall have the same meaning wherever it appears . The proposal or any information supplied by you
shall be incorporated into this policy . We will provide the insurance described
in this policy subject to the terms and
conditions for the period of insurance and
any subsequent period for which you shall
pay and we shall agree to accept the motor insurance policy premium .
Cover
Subject to the terms, conditions and exclusions of this policy we will pay your legal costs which arise from your
use of an insured vehicle during the period of insurance .
This is to include claims made by or against
you during the period of insurance and
which relate to an attempt by you to obtain
a remedy or to recover damages from a third party or parties . These must be in relation
to an insured incident provided such legal costs do not exceed the policy limit .
Making a Claim
You must report any incident that may
lead to a claim to us directly or via EUI
Limited (trading as Bell) . Telephone 0844
543 4410 to report the claim as soon as
possible . To take advantage of your cover
this must be done within 180 days of the incident . You will need your policy number, your vehicle registration number and the
date of the incident . You must be able to
confirm you are insured with EUI Limited
(trading as Bell) .
IMPORTANT
The following wording replaces the exclusions for your Motor Legal Protection
Policy .
Exclusions
This insurance does not cover:
1 Legal costs incurred as a result of legal
proceedings arising out of an insured incident which occurred outside the period of insurance .
2 Claims which have not been reported to us within 180 days of the
occurrence of the insured incident .
3 Legal costs including costs of appeals
Page 13
and agreement and in any event all such costs and expenses incurred prior to notification of the relevant
claim to us .
4 Legal costs, expenses, fines or other
penalties you are ordered to pay by a
Court of criminal jurisdiction . 5 Claims arising out of the use of
the insured vehicle by you for
racing, rallies, trials or competitions of any kind .
6 Claims arising out of an insured incident arising out of your deliberate
act or omission .
7 Claims arising out of an insured incident that we find to our
satisfaction to be of a fraudulent nature, or where you have failed
to disclose material facts relevant to your claim or where you have
deliberately misled us or the authorised representative as to the
circumstances of the accident . 8 Any claim where, when in control of
the insured vehicle you did not have
possession of both a valid driving licence and certificate of insurance . 9 Any claim where the insured vehicle
was not in a roadworthy condition or did not have a valid MOT Certificate where applicable .
10 The Defence of any claim or
legal proceedings made or brought against you arising from injury or
loss or destruction of or damage to any property .
11 Any claim or legal proceedings made
commenced or brought against you
outside the territorial limits .
12 Any costs incurred in representation in the Small Claims Track or any other proceedings where costs cannot be recovered from the third party .
13 Claims made by you against
any authorised passenger in the
insured vehicle .
14 Claims for passengers where there is a conflict of interest between you
or the authorised driver and any other passenger(s) .
15 Legal costs in respect of the defence
of a claim or counterclaim from a third party where your own motor
insurers refuse to become involved or repudiate your motor insurance policy .
16 Claim where you:
a) take action without first obtaining our
consent or that of the Authorised Representative, or
b) Cause delay or fail to respond to requests for assistance from us or the authorised representative .
17 Claims arising from:
a) Ionising, radiations or contamination by radioactivity from irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel .
b) Any radioactive toxic explosive or other hazardous properties of any nuclear assembly or component thereof .
c) Riot, civil commotion, war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection,military or use of power or confiscation, nationalisation, requisition, destruction or damage to property by or under the order of any government .
18 Any claim where we or the
authorised representative deem there
CONDITIONS
1 You must:
a) Observe and perform the terms and conditions of this policy .
b) Minimise any amount of your claim
and attempt to prevent any event which may cause a claim .
c) Notify us of any event which has
given or may give rise to a claim or
legal proceedings involving you . In
default we shall not be liable to pay your legal costs .
d) Send all letters, notices and communications regarding any
claim made to us or the authorised representative without delay .
e) Assist us fully and give us full details
of any claims and provide us with all
information we reasonably request .
f) Obtain our consent in writing to pay legal costs which consent will not be
given unless you can satisfy us that:
i) There are prospects of success for
the recovery of damages . ii) The identity of the responsible
person is known by you .
2 We can:
a) Take over and conduct in your name
any claim or the defence of any claim
at anytime .
b) Attempt to make a fair settlement before the authorised representative is
instructed or legal proceedings issued . c) Take proceedings for our own
benefit but in your name to recover
any payment we have made under
this policy .
d) If we consider it appropriate to do so
appoint a claims handler to act as
your authorised representative rather
than a solicitor .
e) If we consider it appropriate or
necessary appoint an authorised representative to negotiate and settle
the claim on your behalf . If you
wish to appoint your own solicitor you will only be able to do so when
proceedings need to be issued and then only if your request is made in
writing to us and that we are satisfied
that they can handle the claim and
that they agree to our standard terms
for non-panel solicitors . If you disagree
with our approach you have the right
to arbitration as outlined in Condition 11 of this policy .
f) Any authorised representative will be
appointed by us in your name and on your behalf and you may not change
the authorised representative without our consent .
3 In the event that you appoint the authorised representative . You
must ensure that the authorised representative is aware of the
conditions of this policy and the policy limit .
4 You must:
a) Give such instructions to the
authorised representative as we
reasonably require and fully co-operate with both us and the authorised representative in all respects keeping
the authorised representative and us
fully advised of all developments in the claim .
b) Tell us at once of all offers to settle
negotiation of the same can be made without our agreement in writing .
c) If requested instruct the authorised representative to have legal costs
taxed bythe Court or certified by the appropriate Law Society as appropriate .
d) Take all steps possible to recover any
legal costs we have paid and pay any
such amounts recovered to us .
5 We are entitled to obtain from
the authorised representative
any information, document or advice relating to a claim or
legal proceedings whether or not privileged . On request you will give
any instruction as necessary to ensure such access . If the authorised representative refuses to grant such
access however we shall have the
right to refuse to pay legal costs .
6 You must not without our written
consent enter into any agreement with the authorised representative as to
payment of your costs . Any consent
given may be withdrawn at anytime . 7 If you are declared bankrupt or go
into liquidation or appoint or have a receiver appointed we may withdraw our support of any claim or legal
proceedings .
8 If you discriminate or abandon legal
proceedings without both our consent
and the authorised representative’s
written advice that proceedings should be either discontinued or abandoned we will be entitled to be
reimbursed by you the amount of any legal costs which we have paid or
may become liable to pay .
9 At our discretion we may discharge our liabilities to you by paying an
amount equal to the sum claimed . 10 If at the time of any insured incident
resulting in a valid claim on this policy there exists other insurances
under which you are entitled to claim for your legal costs or any part
thereof we shall only be responsible
for any excess in the amount of legal costs not recoverable under such
other policy of insurance .
11 In the event of any dispute arising between the parties, either party may ask for the dispute to be considered by an independent arbitrator agreed upon by both parties or failing agreement one who is nominated by the President of the local Law Society . All costs of the arbitration shall be met in full by the party against whom the decision is made .
Law and Language
This policy shall be governed by and
construed in accordance with English Law . All communication is to be conducted in English .
Cancellation
You have the right to cancel this policy
within fourteen days of the date upon which you receive your confirmation letter
or email, subject to no claim being made
upon the policy .
Cancellation of this policy is subject to the
cancellation of the motor insurance policy .
A refund will be provided in accordance with the cancellation terms of the motor insurance policy . If you do not exercise
this right to cancel your policy it will
remain in force for the term of the motor insurance policy . After this 14 day period you can cancel at any time in accordance
with the cancellation terms of the motor insurance policy . Cancellation will incur
administration charges that are payable to EUI for the cost of arranging and handling
your policy. Details of these fees are given
in `Additional Charges and Cancellation of your Motor Insurance Policy’ included in
your welcome and renewal documents .
Please contact EUI Limited, Capital Tower, Greyfriars Rd, Cardiff CF10 3AZ or call
0871 882 1100 . Calls to 0871 numbers
are charged at 8p per minute plus network extras .
Please note your Motor Legal Protection
Policy will be cancelled if your motor insurance policy is declared void or ceases
to be in force for any reason .
Bell is a trading name of EUI Limited .
Registered Office: Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ .
FSA Registration Details
Composite Legal Expenses Ltd is authorised and regulated by the Financial Services Authority (FSA Registration: 308979) . AmTrust Europe Limited is authorised and regulated by the Financial Services Authority (FSA Registration: 202189) and is a member of the Association of British Insurers (ABI) . Homestate: United Kingdom .
Complaints procedure
We are committed to providing you with a
first class service at all times . If, however,
you are not happy with any part of the
service you have received then you should
contact the administrator .
The Managing Director, Composite Legal Expenses Ltd, Suffolk House, Trade Street, Cardiff CF10 5DT .
Tel: 02920 222033
E-mail: complaints@composite-legal .com If we have given you our final response
or more than 8 weeks have passed since
we received your original complaint, you
may refer your complaint to the Financial
Ombudsman Service (FOS) at South Quay Plaza, 183 March Wall, London E14 9SR . Tel: 0800 0 234 567
free for people phoning from a ‘fixed line’ (eg . a landline at home) .
OR 0300 123 9 123
free for mobile phone users who pay a monthly charge for calls to numbers starting 01 or 02 .
Financial Services Compensation
Scheme
Amtrust and EUI limited are covered by Financial Services Compensation Scheme (FSCS) . If any firm is unable to meet their obligations you may be entitled to
compensation from the scheme, depending on the type of insurance and circumstances of any claim . Cover for the claim or policy
is provided at 90% .
You can get further information about the
compensation scheme arrangements from the FSCS . The contact information is: The FSCS, 7th Floor, Lloyds Chambers, Portsoken Street, London E18BN . Tel: 0207 741 4100 or 0800 678 1100
Page 17
Free Legal Helpline:
In addition to the services that Cordner Lewis Solicitors may offer pursuant to this
policy in its capacity as an authorised representative, Cordner Lewis Solicitors
also offer you, your family and friends free
advice in an initial telephone call on any matter involving injury or disease, not just
road traffic accidents .
Just telephone 0800 856 6777 . The helpline is available:
Monday to Friday: 8am - 9pm Saturday: 9am - 5pm Sunday: 10am - 4pm .