«Car Insurance This booklet tells you what you’re covered for and how to make a claim Welcome to Nationwide Car Insurance Thank you for choosing ...»
Your Document of
This booklet tells you
what you’re covered for and
how to make a claim
Welcome to Nationwide Car Insurance
Thank you for choosing Nationwide Car Insurance, which is underwritten and administered by Liverpool
Victoria Insurance Company Ltd, who also trade as LV=. This booklet includes everything you need to
know about your policy and how to contact us, so keep it safe with your schedule and your certificate
of motor insurance.
We’re confident you’ll be happy with our great cover and service. If you do need to make a claim, we’ll aim to settle quickly and efficiently – just call our friendly UK team on 0800 028 5799.
The demands and needs met by this policy This product meets the demands and needs of someone wishing to insure their vehicle. The level of cover available is optional and will only apply if you have selected them and they are shown on your schedule.
Neither Nationwide Building Society nor Liverpool Victoria Insurance Company Limited (LV=) has provided you with any advice or recommendation as to whether this product meets your specific insurance requirements. You should review your insurance requirements on a regular basis.
Document of Insurance Car 1 Contents Welcome to Nationwide Car Insurance Useful information Your car insurance policy Definitions Territorial limits and European Union (EU) compulsory insurance Section 1 Accidental damage Section 2 Fire and theft What is not covered under sections 1 and 2 How we will settle your claim under sections 1 and 2 Section 3 Liability to other people What is not covered under section 3 Section 4 Use by the motor trade, hotels and car parks Section 5 Windscreen and window glass Section 6 Guaranteed courtesy car Section 7 Foreign use Section 8 Personal accident benefits Section 9 Medical expenses and physical assault benefits Section 10 Personal belongings Section 11 No claim discount Section 12 General exceptions Section 13 General conditions Section 14 Legal Expenses How we use your personal information Document of Insurance Car Your car insurance policy Please read this document of car insurance, your schedule and your certificate of motor insurance as one document. This is your contract with us.
In return for your premium we’ll cover you for insured events that happen during the period of cover shown on your schedule.
Your policy is underwritten by Liverpool Victoria Insurance Company Ltd.
Our commitment to you
• make sure all the information we give you is clear and accurate
• be fair and reasonable
• act promptly Your responsibility to give us correct information Please make sure all the information you give us is correct and complete. This is important because if you don’t we maycancel your insurance from its start date and/or not pay your claim. If you’re not sure whether you need to tell us about something please ask.
Useful information To make a change 0800 028 5688 (Mon - Fri 8am - 9pm, Sat 8am - 5pm, Sun and bank holidays 9am - 5pm) To make a claim 0800 028 5799 (24 hours a day, 365 days a year) (+)44 1202 731 167 if calling from abroad and your schedule shows section 7, foreign use as being included.
Follow these simple steps:
1. Call us as soon as possible after the accident – please have your policy number and information about the claim ready when you call.
2. If your car is stolen or maliciously damaged, report this to the police immediately. Take a note of the officer’s name and crime reference number.
3. Speak to us before you make any arrangements for replacement or repair.
How to make a complaint If you wish to make a complaint, please contact us by phone on 0800 032 2799, for TextDirect please dial 18001 first, or write to us. If you prefer to write, please address your letter to: The Customer Relations Manager, LV=, County Gates, Bournemouth BH1 2NF. Please quote your policy number in all correspondence.
For more information, please visit the complaints section on our website: www.LV.com/complaints A copy of our internal complaints procedure is available on request.
If we cannot resolve your complaint, you may refer your complaint to the Financial Ombudsman Service within 6 months of receiving our final response letter.
Document of Insurance Car 3 The address is: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9GE. For more information please visit www.financial-ombudsman.org.uk.
Telephone: 0800 023 4567 (free for people phoning from a ‘fixed line’, for example, a landline at home) or 0300 123 9123 (free for mobile-phone users who pay a monthly charge for calls to numbers starting 01 or
02) or email complaint.info@financialombudsman. org.uk Note: Making a claim will not affect your right to take legal action.
What happens if we can’t meet our liabilities?
If we can’t meet our liabilities, you may be able to claim from the Financial Services Compensation Scheme (FSCS).
There are different levels of compensation, depending on what kind of insurance you have:
• compulsory insurance, such as third party motor insurance, 100% of the claim is covered;
• non compulsory insurance, such as home insurance, 90% of the claim is covered.
You can get further information from: Financial Services Compensation Scheme, 10th Floor Beaufort House, 15 St Botolph Street, London, EC3A 7QU.
Phone 0800 678 1100 or 0207 741 4100 Email firstname.lastname@example.org Definitions Wherever these words appear in this document of car insurance, they have the same
Accessories parts or products (including spare parts) specifically designed to be fitted to your car.
This includes roof/cycle racks and roof boxes.
Certificate of proof that you have motor insurance as required by law. It forms part of your contract motor insurance with us. It also shows the registration number of the car we’re insuring, who may drive and what your car may or may not be used for.
Contract this document of car insurance, your certificate of motor insurance and your schedule form the contract.
Document of car this booklet.
insurance Driving includes being in charge of a car.
Excess the first amount of any claim which you must pay. There may be more than one excess, part of which may be a voluntary excess chosen by you. The total excess is shown on your schedule.
Green card the International Motor Insurance Card. An internationally recognised document that some countries need as proof of their minimum compulsory insurance requirements.
In-car equipment audio equipment, a permanently fitted car telephone, dashboard or windscreen mounted camera, DVD player, television and satellite navigation equipment.
Main driver the person who drives your car most of the time whether for social purposes and/or for travel to and from a place of business, duty or study.
European Union (EU) compulsory insurance If your car is registered and kept in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands, we provide the minimum compulsory insurance including when your car is being transported within and
• EU countries; and
• any other country which follows EU directives as shown on your certificate of motor insurance.
Your certificate of motor insurance is proof of compulsory motor insurance in EU countries and other countries which follow the EU motor insurance directives and are approved by the Commission of the EU. Compulsory motor insurance is the minimum level of cover required by law. It may not be the same cover you have in the UK, for example, there won’t be any cover if your car is stolen or damaged.
Section 1 Accidental damage
What is covered:
If your car and/or its accessories (including when kept in your garage) are damaged by accident, vandalism
or malicious damage, we may:
• pay for repairs to your car; or
• replace what is damaged; or
• pay the market value of your car at the time of the damage. When you accept this payment, your car becomes our property, unless we agree otherwise.
Uninsured driver promise If you’re hit by an uninsured driver and the accident is not your fault, you won’t lose your no claim discount or pay any excess. We’ll need you to provide the registration number, make, model and colour of the other car involved and also the driver’s name and address.
Misfuelling If you accidentally fill your car with the wrong fuel, we’ll pay to drain and flush your fuel tank. Any damage to your car engine caused directly by the wrong fuel will also be covered. Once we have details of the misfuelling, we’ll agree with you how to arrange the repair. If you’ve already made arrangements to repair the damage, we will only consider payment if you provide receipts.
Document of Insurance Car Section 2 Fire and theft
What is covered:
If your car and/or its accessories (including when kept in your garage) are lost or damaged
by fire, lightning, explosion, theft or attempted theft, we may:
• pay for repairs to your car; or
• replace what is lost or damaged; or
• pay the market value of your car at the time of the loss or damage. When you accept this payment, your car becomes our property, unless we agree otherwise.
What is not covered under sections 1 and 2
We won’t pay for:
• loss or damage to your car by theft or attempted theft if:
- your car has been left unlocked;
- your car has been left with a window or roof open;
- the engine has been left running;
- we have stated you must have a working security or tracking device when your car is unattended – your schedule will confirm if this is required;
- the ignition key or other ignition device is left in, on or attached to or left in the immediate proximity of your car.
• damage to the ignition key or other ignition device caused by wear and tear;
• wear and tear, your car losing value, or for any repairs which improve your car beyond its condition before the loss or damage happened;
• mechanical, electrical, electronic or computer failures, breakdowns or breakages;
• damage to tyres caused by braking, punctures, cuts or bursts;
• more than the manufacturer’s latest list price in the United Kingdom (UK) of any part or accessory.
If such a list price is not available the most we’ll pay is the manufacturer’s latest list price in the UK for an equivalent part or accessory;
• additional costs caused by the unavailability of any part or accessory. This includes the cost of importing any part or accessory into the UK;
• loss or damage to your car caused:
- directly by pressure waves from aircraft and other aerial devices travelling at sonic or supersonic speeds;
- by deception, fraud or trickery, including when you’re offering your car for sale;
- as a result of it being confiscated or destroyed by or under official order of any government, public or local authority;
- as a result of your car being returned to its rightful owner;
- if you haven’t taken care to protect your car. See care of your car under the general conditions section.
• loss of use of your car or any other indirect loss, such as travel expenses or loss of earnings;
• where your car is driven or used without your permission by a member of your family or household unless you report them to the police for taking your car without your consent;
Document of Insurance Car 7
• deliberate damage caused to your car by anyone insured under your policy;
• loss or damage to any trailer, caravan or broken-down motor vehicle whether or not it’s being towed by or attached to your car;
• any additional damage resulting from your car being moved by anyone insured under your policy after an accident, fire or theft;
• the total excess shown on your schedule.
How we settle your claim under sections 1 and 2 Ownership If your car belongs to someone else, or is under a hire purchase or leasing agreement, we’ll pay the legal owner.
Repairs Once we have details of the accident, if the loss or damage is covered, we’ll agree with you how to arrange the repairs to your car.
We may use parts or accessories, which aren’t made or supplied by your car’s manufacturer but are of similar type and quality to the parts and accessories we’re replacing.
New car replacement If you or your partner are the first and only registered keeper, within 12 months of buying your car from new
• the estimated cost of repairing the damage is more than 50% of the manufacturer’s list price (including taxes and accessories) when the damage or loss happened; or
• it’s stolen and not recovered, we’ll replace your car with a new one of the same make, model and specification. If one is not available in the UK, we’ll pay you the price you paid for your car or the manufacturer’s current list price (including taxes) whichever is less.
Your car will then become our property.
In-car equipment We’ll provide unlimited cover for the loss or damage if the equipment was fitted as part of the standard specification of your car when first registered.
If the equipment was not part of the standard specification when first registered and is either permanently fitted or portable, we’ll pay up to £500. If portable, the equipment must have been kept out of sight in the glove compartment or locked boot at the time of a theft claim.
Replacement of locks and keys We’ll pay for all the locks to be replaced if one or more is damaged.
If your ignition keys or other ignition devices are lost or stolen, we’ll pay for their replacement and for all the locks to be replaced. This is provided they weren’t left in, on or attached to or left in the immediate proximity of your car while it was unattended, and care has been taken to prevent their loss.