ALLIANZ CORNHILL INSURANCE
HORIZON
PRIVATE MOTOR INSURANCE POLICY
In return for paying, or agreeing to pay, the premium, we will insure you under the conditions of your policy for any insured event which takes place during the period of insurance. (You must check your schedule to see which sections of the policy apply to you).
On behalf of Allianz Cornhill
W.R. Treen
Chief Executive
Page 1
Guide to your Horizon policy document
|
Your schedule |
Inside cover |
|
Introduction |
1 |
|
Contents |
3 |
|
Accident Helpline |
4 |
|
The meaning of words |
5 |
|
Section 1 - Your liability to others |
6-7 |
|
Section 2 - Loss of or damage to your car |
8-9 |
|
Section 3 - Medical expenses |
10 |
|
Section 4 - Personal belongings |
10 |
|
Section 5 - If you or your husband, or wife, are involved in an accident |
11 |
|
Section 6 - Foreign travel and European Union compulsory insurance |
12 |
|
Section 7 - No claim discount |
13 |
|
General exceptions |
14 |
|
General conditions |
15-17 |
|
Endorsements |
18 |
|
What to do if you are not satisfied |
19 |
Page 3
Accident helpline
Call 0800 181159
What should I do if I have an accident?
If you have comprehensive cover and your car has been damaged, you will want your car to be repaired quickly and with the minimum of fuss. Our approved repairers will do just that. Just call 0800 181159 24 hours a day, 365 days a year for your nearest one.
If you are involved in an accident and have third party fire and theft or third party only cover, you must tell your broker or insurance adviser and fill in an accident report form.
What happens next?
Once you have rung this number, simply contact your nearest approved repairers to have your car repaired. You do not need any repair estimates. The approved repairer will look after the rest.
Why choose an approved repairer?
Our approved repairers are a nation-wide network of professional vehicle repairers. As well as offering high standards of workmanship and customer service, all approved repairers provide:
- Free collection and return from your home or place of work, if you ask;
- A free courtesy car while your car is being repaired (Ford Fiesta or equivalent class A car) or for four days if your car is not worth repairing;
- Priority service and speedy repairs;
- A two-year guarantee on all repairs carried out - repaired to the manufacturer's specification with any warranties unaffected; and
- A free valet before return.
What happens if I do not choose an approved repairer?
If you choose your own repairer, you can only go ahead with repairs once you have told us about the accident or damage and given us detailed estimates of repair costs. You will not be entitled to the benefits our approved repairer network offers.
Page 4
The meaning of words
The terms below have the meanings shown next to them and appear in bold throughout your policy or schedule.
Certificate of insurance
A certificate that proves you have the motor insurance you need by law.
Comprehensive cover
All parts of this policy will apply if you have chosen comprehensive cover. There may be endorsements written into your current schedule which may limit this cover.
Endorsement
Changes to the terms of your policy which will be shown in your schedule.
Excess
The amount you will have to pay if your car is lost, stolen or damaged.
Insured value
The market value of your car at the time it is lost, stolen or damaged. This value will not be more than the estimate of its value which you last gave us.
Policy
The contract of insurance between you and us.
Schedule
A document which gives details of yourself and the cover provided by your policy.
Territorial limits
Great Britain, Northern Ireland, the Isle of Man, the Channel Islands, the Republic of Ireland, Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Holland, Hungary, Iceland, Italy, Luxembourg, Norway, Portugal, Slovak Republic, Spain, Sweden, Switzerland. It also includes travelling between these countries by air, rail or sea, including loading and unloading.
We, us, our
Allianz Cornhill Plc.
You, your, yourself
The person named as the policyholder in the schedule and on the certificate of motor insurance.
Your car
Any car and any accessories on or attached to it as described in:
- paragraph 1 of your current certificate of motor insurance; and
- your policy schedule.
Page 5
Section 1 - Your liability to others
What is covered
1. Cover we provide for you
We will pay all the amounts you may become legally responsible for if you:
- cause the accidental death of or bodily injury to any person; or
- cause accidental damage to anyone's property;
as a result of you using your car and any trailer or caravan being towed by it.
2. Cover we provide for other people
We will provide the same insurance as provided in Section 1 above to the following people.
- Anyone you allow to drive your car as long as they are allowed by your certificate of motor insurance.
- Anyone travelling in, getting into or out of your car.
- The employer of anyone you allow to drive your car as long as they are allowed by your certificate of motor insurance.
3. Your legally appointed representatives
After the death of anyone who is insured under this policy, we will protect that person's estate against any liability they had if that liability is insured under this policy.
4. Legal fees and expenses
If there is an accident insured under this policy we will arrange and pay for:
- a solicitor or barrister to represent anyone insured under this policy at a coroner's inquest or court of summary jurisdiction;
- defending anyone insured under this policy if they are charged with manslaughter or causing death by reckless or dangerous driving; or
- any costs we give our written agreement to.
What is not covered
We will not cover liability for causing death of or injury to any employee in the course of their employment by anyone insured by this policy if the employer is covered by an Employer's Liability policy.
We will not cover liability for loss of or damage to property which belongs to, or is in the care of, any person insured by this policy.
This section does not cover loss or damage to your car or trailer.
The liability of anyone who is covered under any other policy.
Page 6
5. Emergency medical treatment
If there is an accident insured by this policy, we will pay for emergency medical treatment which must be provided under the Road Traffic Acts. If we make a payment for this kind of treatment only, we will not reduce your no claims discount.
Page 7
Section 2 - Loss of or damage to your car
What is covered
We will pay for:
- loss of or damage to your car up to the insured value of your car; and
- the cost of protecting and removing your car to the nearest repairer and the reasonable cost of delivering your car back to you after it has been repaired.
Replacing your car
We will replace your car with a new one of the same make, model and specification if the car is:
- stolen and not recovered within 28 days of you reporting the theft to us;
or - damaged so that the cost of repair is more than 50% of the price of an identical new car at the time of loss or damage (based on the United Kingdom list price).
We will only do this if;
- you have owned the car (or it has been hired to you under a hire-purchase agreement) since it was first registered as new;
- the loss or damage happens before your car is one year old; and
- we have your permission or the hire-purchase company's permission to replace the car.
What is not covered
We will not cover any damage to your car if at the time of the damage your car was being driven by a person aged 17 to 24 and that person is not named in Section 5 or your certificate of motor insurance.
Fire, theft and malicious damage excess
You will have to pay the first £100 of any claim made for fire, explosion, theft (or any attempted theft), or malicious damage (not including glass only claims).
Glass damage excess
If your claim is only for loss of or damage to the glass in your car's windscreen or windows, or to bodywork scratched by the broken glass, you will only have to pay an excess of £50. You will not have to pay this excess if your car's windscreen or windows are repaired rather than replaced.
Accidental damage excess
In all other circumstances, you will have to pay the following excesses for the categories of driver shown (including yourself).
The excesses shown in the category of driver table on page 9 are on top of any other excess which may apply (the other excesses, if they apply, will be shown in endorsement number 252 on your schedule).
Page 8
What is not covered / continued
Category of driver
|
Driver's age |
Experienced |
Inexperienced |
|
17 to 20 |
£350 |
£350 |
|
21 to 24 |
£250 |
£350 |
|
25 or over |
£100 |
£250 |
(An inexperienced driver is someone who holds a provisional licence or has not held a full licence issued in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands for at least one year)
- We will not pay any more than £750 for loss of or damage to permanently-fitted audio or communications equipment unless it is standard equipment for your car when built and you have comprehensive policy cover.
- We will not pay any more than £250 for loss of or damage to permanently-fitted audio or communications equipment unless it is standard equipment for your car when built and you have third party fire and theft policy cover.
- We will not cover loss of your car, accessories or spare parts if it is left unattended at any time and the ignition key is left in the car.
- We will not cover wear and tear, or loss of value after repairing your car, mechanical, electrical, electronic or computer failures, breakdowns of breakages.
- We will not cover damage to tyres caused by braking, punctures, cuts or bursts.
- We will not cover any damage or destruction due to pressure waves caused by aircraft or other flying objects.
Page 9
Section 3 - Medical expenses
We will pay medical, surgical and dental fees up to £100 for each person being carried in your car if they are injured in an accident involving your car.
Section 4 - Personal belongings
What is covered
We will pay up to £100 for personal belongings while in or on your car if they are lost or damaged by an accident, fire, theft or attempted theft.
What is not covered
We will not pay for loss of or damage to:
- money;
- securities (financial certificates such as shares and bonds);
- jewellery;
- mobile phones; or
- goods or samples which you or any person insured by this policy carry in connection with any trade or business.
Page 10
Section 5 - If you or your husband, or wife, are involved in an accident
What is covered
If you are in an accident while travelling in your car or getting into or out of any motor car and this is the only cause of your death or bodily injury, we will pay £2,000 if:
- you die;
- you suffer the total and permanent loss of sight in one or both eyes; or
- you lose any limbs.
What is not covered
We will not cover death or loss of sight or limb if this happens more than three months after the accident.
We will not cover any loss under this section if you are a firm, company or more than one person.
We will not make any payment for people aged 75 or over.
We will not cover any loss due to:
- deliberately injuring yourself;
- suicide or attempted suicide;
- any injury caused by a natural disease or weakness;
- any injury caused by being under the influence of drugs or alcohol to a level which would be a driving offence in the country where the accident happens.
Page 11
Section 6 - Foreign travel and European Union compulsory insurance
The policy provides the minimum cover you need by law in the following countries to use any car we cover.
- Austria, Belgium, Czech Republic, Denmark, Finland, France, Germany, Greece, Holland (Netherlands), Hungary, Iceland, Italy, Luxembourg, Norway, Portugal, Republic of Ireland, Spain, Sweden, Switzerland and the Slovak Republic.
This policy provides the full cover shown in the schedule in any country in the territorial limits as long as:
- the car is taxed and registered in the UK; and
- your main permanent home is in the UK and your visit is only temporary.
For cover outside the territorial limits you must tell your insurance adviser or intermediary and you may need to pay an extra premium.
We will pay any customs duty if your car is damaged and we cannot return it to the UK after a claim covered by this policy.
Spanish bail bond
We will provide a guarantee or deposit (bail bond) of up to £2000 if you, or any person covered by the policy and driving with your permission, is held by the Spanish authorities, or if your car is impounded as a result of an accident in Spain which may result in a claim under this policy. Please ask your insurance adviser or intermediary for the bail bond at least 21 days before your trip. If we make any payment because of the bail bond, you or the driver concerned must repay that amount to us
immediately.
Page 12
Section 7 - No claim discount
If you do not claim under this policy during the previous period of insurance, we will give you a no claim discount on your premium when you renew your policy as shown on the table below.
|
No claims years |
Discount |
|
0 |
0% |
|
1 |
30% |
|
2 |
40% |
|
3 |
50% |
|
4 |
60% |
|
5 or more |
65% |
If you do make a claim under this policy, your no claims discount may be affected as shown in the table below.
No claim discount when you next renew your Allianz Cornhill policy
|
No claim discount at start of policy or the last time you renewed it. |
|
|
|
|
|
|
Number of claims since policy started or since you last renewed it. |
|||||
|
1 |
2 |
3 |
4 |
0 |
|
|
0 |
0 |
0 |
0 |
0 |
30% |
|
30% |
0 |
0 |
0 |
0 |
40% |
|
40% |
30% |
0 |
0 |
0 |
50% |
|
50% |
40% |
0 |
0 |
0 |
60% |
|
60% |
50% |
30% |
0 |
0 |
65% |
|
65% |
60% |
40% |
0 |
0 |
65% |
|
65% protected |
65% protected |
60% |
40% |
0 |
65% protected |
If you have chosen to protect your maximum no claim discount and paid an extra premium for this, we will not reduce your discount level when you next renew your policy if you have made only one claim. If you make another claim, we will reduce your discount by one level and each following claim will reduce the level of your discount by two stages.
If you have not chosen to protect your no claim discount, a single claim will reduce the discount level by one stage. Each following claim will reduce the discount level by another two stages.
We will give you a no claim discount as long as the insurance has been in force for 12 months and that each renewal period is for a similar period.
We will not reduce the no claim discount if the only payment we make is for a broken windscreen or windows or for repairing scratched paintwork caused by broken glass.
Page 13
General exceptions applying to all parts of this policy
This policy does not cover the following.
1. We will not cover loss or damage or legal liability directly or indirectly caused by:
- Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
- the radioactive, toxic, explosive or any other dangerous properties of any explosive nuclear machinery or any part of it.
2. We will not cover loss, damage, injury or liability as a result of:
- earthquake;
- underground fire; or
- war, invasion, revolution or any similar event.
However, we will provide the cover you need by law.
3. We will not cover any claim or damage arising while your car is being:
- driven by anyone who is not mentioned in the Person or classes of people entitled to drive section noted in the current certificate of motor insurance; or
- used for a purpose which is not shown on the certificate of insurance.
However, this exception does not apply to;
- claims under section 2 (Loss of or damage to your car); and
- the cover given to you (and to no other person) under section 1 (Your liability to others) while your car is being used without your authority or by a motor trader for servicing or repair.
4. We will not cover any loss, damage or liability other than cover for your liability to others caused by riot or civil commotion outside Great Britain, the Isle of Man or the Channel Islands.
Page 14
General conditions applying to this policy
General conditions applying to this policy
1. How to make a claim
You must tell us as soon as reasonably possible about any accident or claim and give us any information we may need without delay.
You may phone our accident helpline on 0800 181159. You will find details of the helpline on page 4. The helpline will give you the name and address of your nearest repairer.
You may choose your own repairer and have repairs carried out immediately as long as you first get detailed estimates and send them to us. You will not be entitled to any of the benefits our approved repairer network offers. You must also tell us about the accident or damage.
2. How we deal with claims
If your car is lost, stolen or damaged, we may decide to:
- pay for any necessary repairs to your car;
- replace your car; or
- pay you an amount up to the value of any loss or damage to your car.
If your car is under a hire purchase agreement, we will pay the legal owner for the damage to the car.
You must not pay or offer or agree to pay any money or admit liability or settle any claim without our permission.
We can, in your name:
- take over and defend or settle a claim;
- take proceedings at our own expense and benefit to recover any payment for loss or damage we have made under this policy.
You must co-operate with us at all times.
3. Keeping to the terms of the policy
We will only give you the cover described in the policy if:
- any person claiming has met all the conditions as far as they apply; and
- the declaration and information given in the proposal or statement of fact on which this policy is based is complete and correct as far as you know.
Page 15
4. Compulsory insurance
If the law of any country in which this policy covers you says we must pay a claim which we would not normally paid, then we are entitled to ask you for these payments.
5. Cancelling your policy
We may cancel this policy by giving you seven day's notice in writing to your last known address. If this happens, we will return part of your premium for any period where you did not have insurance.
You may cancel this policy by returning the current certificate of insurance to us.
6. Arbitration
If we accept your claim but you do not agree with the amount we will pay you, we will refer the matter to an arbitrator chosen by you and us. You cannot take any action against us until you and we have received the arbitrator's final decision.
7. Reasonable precautions
You must take all reasonable precautions to protect your car from loss and damage and to keep it in a good roadworthy condition. You must let one of our authorised representatives inspect your car at any reasonable time.
8. Fraud
If you make a claim which is at all false or fraudulent, or support a claim with any false or fraudulent statement, you will lose all benefit and premiums you have paid for this policy.
9. Choice of law
English law will apply to this contract of insurance unless you and we agree otherwise.
10. Car sharing
Your policy also covers your car when you are paid for carrying passengers for social reasons or similar, as long as:
- the vehicle is not built or adapted to carry more than eight passengers (not including the driver);
- the passengers are not being carried as part of a business of carrying passengers; and
- you do not profit from the total amount of money you are paid for the journey.
If you have any doubts as to whether or not any car sharing you have arranged is covered by this policy, please contact us immediately.
Page 16
11. Changing you car
You must tell us immediately about any change of car or if you buy or get an extra car. We may set terms and ask you to pay a higher premium when we cover the new car.
The certificate of insurance issued with this policy specifies your car by its registration mark. You must get a cover note or certificate of insurance showing the new registration mark of any extra or replacement car for the car to be covered.
12. A person or company who was not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy but this does not affect any right or remedy of a third party which exists or is available apart from that Act.
Page 17
Endorsements
CA001 Comprehensive Cover (253)
Comprehensive cover applies, and all Sections of your policy apply.
CA002 Third Party Fire & Theft (250)
The cover provided by your policy is limited to the following sections only:-
Section 1. Your Liability to Others
Section 2. Loss of or Damage to Your Car - but only if caused by Fire, Explosion or Theft
Section 6. Foreign Travel
Section 7. No Claim Discount
CA003 Third Party Only (251)
The cover provided by your policy is limited to the following sections only:-
Section 1. Your Liability to Others
Section 6. Foreign Travel
Section 7. No Claim Discount
CA004/5 - Damage Excess (252)
The excess amount shown below applies in addition to the excess amount shown in Section 2 (Loss of or Damage to Your Car) against Category of Driver.
£XXX
CA006 Car Garaging (255)
We have accepted your insurance on condition that your car is kept overnight in a locked garage. Failure to comply with this condition may mean we will refuse to deal with any claim arising from your car being maliciously damaged, lost or stolen.
CA007 Car Security - Thatcham Category 1 or 2-1 (254)
We have accepted your insurance on condition that your car is fitted with the security device shown below, and that the device will be fully operational at all times when your car is parked and left unattended. Failure to comply with this condition may mean we will refuse to deal with any claim arising from your car being lost or stolen.
Security Device:XXX
CA008 Car Security - Tracking Devices only (256)
We have accepted your insurance on condition that your car is fitted with the tracking device shown below, and that the device will be fully operational at all times when your car is parked and left unattended. Failure to comply with this condition may mean we will refuse to deal with any claim arising from your car being lost or stolen.
Security Device:XXX
Page 18
What to do if you are not satisfied
We will make every effort to give you an excellent service. However, if our service falls below the standard you expect, please contact your insurance adviser or the manager of the local Allianz Cornhill branch which issued your policy.
If, after contacting the above, you need further help, please write to:
The General Manager, UK Branch Division,
Allianz Cornhill PLC
57 Ladymead
Guildford
GU1 1DB
If you are still not satisfied, you have the right to ask the Insurance Ombudsman Bureau to review your case. You must do this within six months of the date of our final decision.
Please contact:
The Insurance Ombudsman
South Quay Plaza
183 Marsh Wall
Docklands
London
E14 9SR
Phone: 0207 964 1483
Or you can approach the association of British Insurers for help. The address and phone number of the London Headquarters of the Association are as follows.
The Association of British Insurers
Consumer Information Department
51 Gresham Street
London
EC2V 7HfQ
Phone: 020 7600 333
You can also contact the association at one of their regional offices.
You can find the addresses and phone numbers in local phone directories.
Page 19