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    Car insurance Car insurance Document Transcript

    • Car insurance Policy Booklet In association with www.tesco.ie
    • Tesco Car Insurance policy contents General Special notes, accident and breakdown assist phone numbers 2 Introduction 3 Complaints procedure 4 Definitions 5 Geographical limits, insurance provided, car-sharing 6 Cutting the cost, No-claims discount, replacement lock cover, fire brigade charges General exceptions General conditions 7 8 9 not the cover! Events we will insure Section 1 - Loss of or damage to the car 11 Section 2 - Liability to third parties 12 Section 3 - Medical expenses and emergency treatment 14 Section 4 - JourneyWise accident cover 14 Section 5 - Endorsements 16 Section 6 - Personal belongings 18 Section 7 - Breakdown Assist cover 19 Tesco Car Insurance is arranged by Tesco Personal Finance plc, it is underwritten and administered by Hibernian Aviva General Insurance Limited. Tesco Personal Finance plc is registered in Scotland with number 173199. Registered office at Interpoint Building, 22 Haymarket Yards, Edinburgh EH12 5BH. Tesco Personal Finance plc is regulated in the UK, as a credit institution, by the Financial Services Authority under the Financial Services and Markets Act 2000. Hibernian Aviva General Insurance Limited is regulated by the Financial Regulator and is a member of the Irish Insurance Federation. For your protection, we may record or monitor your calls. Tesco Personal Finance plc acts as an insurance intermediary in the Republic of Ireland, offering a range of life and non-life products, as well as credit cards. In arranging non-life insurance in Ireland, Tesco Personal Finance plc acts as a non-life insurance intermediary for ACE Insurance S.A-N.V., for Financial Insurances Company Limited (a member of the GE Financial Insurances (Ireland) Group) and Hibernian Aviva General Insurance Limited. In arranging life insurance in Ireland, Tesco Personal Finance plc acts as a life insurance intermediary for Hibernian Aviva Life & Pensions Limited and for Financial Assurance Company Limited (a member of the GE Financial Insurances (Ireland) Group). Ignition is a registered trademark of Hibernian Aviva General Insurance Limited. 1
    • Special Notes Introduction Important Using your car abroad Welcome to Tesco Car Insurance Please let us know immediately, about any We will automatically extend your policy to We have enclosed your policy schedule and This product meets the demands and needs event which could lead to a claim. You can include the terms of endorsement PC69, Road Traffic Act certificates of insurance of those who want to make sure that their car contact us 24 hours a day, 365 days a year on providing policy cover within the EU, for 31 and discs separately. You should read these is insured against fire, theft and accidental the Tesco Accident Line on 1850 780 780. days in any ‘period of insurance’ for your car. as one document together with your policy. damage (accidental damage only applies to We’re here to help and provide a speedy and The schedule shows your cover and any extra comprehensive policies), as well as against The following covers do not apply when you are efficient service to make the process as easy as benefits or amendments which may apply. causing an injury to another person or damage using your card abroad: possible for you. to their property. If you decide that you do not want to accept • Driving other cars under Section 2D (page this policy, return the certificate and disc of Please check your policy schedule for the cover 13) and insurance within 14 days of the start date of that applies under your policy. If your windscreen is damaged, please call: • Section 7 - Breakdown Assist Cover your policy. As long as you haven’t made any • Allied Irish Windscreens on 1800 512 345; claims, we will work out the premium for the If you need a Green Card, we will give you one The Third EU Non-Life Directive states or period we have been insuring you and refund free of charge. Please contact us at least one that we must give you the following • AUTOGLASS on 1850 363 636. the balance. week before your journey. information. The law which applies to the contract Tesco Car Insurance policy If your car is laid up (out of use) Tesco Breakdown Assistance Under European law and the law of the Tesco Car Insurance is arranged by Tesco We will refund part of your premium for the Republic of Ireland, you and we can choose Helpline number Personal Finance plc. It is underwritten period from the date you return the Road the law which will apply to this contract. We 1 800 247 121 (this call is free) and managed by Hibernian Aviva General Traffic Act certificates and discs to us if your car propose that the law of the Republic of Ireland Insurance Limited. is laid up for at least four weeks in a row and you If you are calling from Northern Ireland, will apply. suspend the insurance. As long as no claim or England, Scotland or Wales, phone This policy booklet, the information you have This insurance is provided by us, Hibernian loss has arisen in the current period of cover, 01 613 321 034. provided and the schedule form the contract Aviva General Insurance Limited. We are set- we will refund a percentage of your premium For full details of Breakdown Assist cover, see of insurance between you (the policyholder) up and based in Ireland. based on the time your car is out of use. The page 19. and us (Hibernian Aviva General Insurance amount we will refund will depend on how Limited). much cover is left on your policy. In return for your premium, we will provide For example, if you do not cancel the fire the cover shown in the schedule for accident, and theft cover, we will refund 75% of your injury, loss or damage that happens within premium. the geographical limits during the period of insurance. Statement of demands and needs We have not given you a personal recommendation as to whether this policy is suitable for your needs. 2 3
    • Definitions Complaints procedure Insurance Act 1936 (Section 93) Throughout the text certain words have a Person insured (section 4) specific meaning wherever they appear and The person named in the schedule as being If you have any complaint about the insurance All money which is paid or may be paid by we have defined these below. insured. contract, you should contact: us to you under this policy will be paid in the Republic of Ireland. Bodily injury Private car • Customer Feedback Team Injury resulting directly from an accident Any vehicle built mainly for carrying Tesco Car Insurance caused by something violent and visible. passengers and taxed for private use only. Unit 18, Avenue 5200, Finance Act 1990 Airport Business Park, Cork Car Schedule The appropriate stamp duty has been or will be Phone: 1850 640 640 Any vehicle you have given us details of and The document which gives details of the cover paid in line with section 113 of the Finance Act If your complaint is not sorted out to your which we describe under the heading of you have. 1990. satisfaction, please write to the Managing ‘Vehicles or classes of vehicles, the use of which is covered’ in the certificate we have given you Tesco Car Insurance Director, Hibernian Aviva General Insurance Signed on behalf of the company and which is still in force. Your agent, Tesco Personal Finance plc, is Limited, One Park Place, Hatch Street, Dublin 2. authorised and regulated by the UK Financial Certificate Services Authority. They are described If you are still not satisfied, you may contact the The current document that proves you have as Tesco Car Insurance throughout this following organisations: By authority of the Board the motor insurance you need by law. The document. certificate shows who can drive your car, what • The Irish Insurance Federation's you can use it for and what cars you are allowed We, us, our Insurance Information Service to drive. It is proof that you can use your car on Hibernian Aviva General Insurance Limited 39 Molesworth Street, Dublin 2. a road or in any other public place, as needed by Phone: 01 676 1914 the Road Traffic Acts. The certificate does not You, your Fax: 01 676 1943 show the cover you have. The policyholder named in the schedule. E-mail: iis@iif.ie Website: www.iif.ie Endorsement The service can advise you on how to continue Changes in the terms of your policy. These further, and may be able to help sort the are shown in your schedule and described in problem out. section 5 of your policy. • The Financial Services Ombudsman Excess Bureau The amount you will have to pay towards any 3rd Floor, Lincoln House, claim. Lincoln Place, Dublin 2 Loss of a limb (section 4) Phone: 01 6620899 Fax: 01 6620890 Having a limb cut off or permanent loss of use Lo-call: 1890 88 20 90 of the limb at or above the wrist or ankle. E-mail: Period of insurance enquiries@financialombudsman.ie The period of time covered by this policy, as Website: www.financialombudsman.ie shown in the schedule, and any further period You will not lose your right to take legal action that we agree to insure you for. if you contact either of the above. 4 5
    • Tesco Car Insurance Policy Tesco Car Insurance Policy Geographical limits No-claims discount Fire brigade charges We will provide insurance as set out in this c the total contributions you receive do We will reduce the renewal premium (apart We will pay for charges made by a fire policy for events which may happen in the not mean you make a profit. from the amount we charge under section 4) authority under the Fire Services Act 1981 to: Republic of Ireland, Northern Ireland, Great according to the following scale if no claim is If you are not sure about your cover, please • control or put out a fire in your car (in Britain, the Isle of Man or the Channel Islands made or arises under this policy in the period contact us. circumstances which have given rise to a during any period of insurance. of insurance. valid claim under your policy); and Period of insurance Reduction • remove the driver or passengers from the Insurance provided car using cutting equipment. (see your policy schedule) One year 10% Two years 20% The most we will pay is €1,000. Depending on the terms, exceptions and Three years 30% conditions of this policy, the following Four years 40% sections will apply when cover is: Five years 50% comprehensive - 1, 2, 3, 5, 6 and 7 third party 1 (applies only for loss or Any payment we make for fire or theft claims fire and theft - damage to your car caused will not affect your no-claims discount. directly by fire, self- You earn the no-claims discount on each car ignition, lightning, separately if you insure more than one car explosion, theft or with us. attempted theft). Windscreen damage may Replacement lock cover not apply. 2, 3(b), 5, 6 and 7 If the car keys or lock transmitter of your car is lost or stolen, we will pay for the cost of If shown in the replacing: policy schedule - 4 1 the door locks and boot lock; Car-sharing 2 the ignition steering lock; and 3 the lock transmitter and central-locking When your car is being used for social or similar interface. purposes to carry passengers and you receive contributions for this, we will not consider it to However, you must prove to us that any person be using your car for hire or reward as long as: who may have your keys or transmitter is likely to know where you keep your car. We a your car is not built or adapted for will not take off the excess and your no-claims more than eight passengers; discount will not be affected if you claim under b you are not carrying passengers as a this section. business; and 6 7
    • General exceptions General conditions We will not pay for the following except • ionising radiation or contamination Keeping to the policy conditions where it is necessary to meet the by radioactivity from any irradiated 1 You must keep to these conditions before c not admit, deny, negotiate or settle a requirements of road traffic legislation. nuclear fuel or from any nuclear we will make any payment under this claim without our written permission; waste from burning nuclear fuel; or 1 Any accident, injury, loss, damage or policy. d send us all documents, proof, liability which happens if any vehicle • the radioactive, toxic, explosive or a The answers in any proposal and information and any letter or legal shown in the certificate is, at the time of other dangerous properties of any declaration for this insurance must be summons or similar document we may the accident, being driven or used other explosive nuclear assembly or part of true and complete as far as you know. reasonably need; and than as allowed under the terms of the it. The proposal and declaration will form e co-operate fully with us in certificate. B Any consequence of war, revolution or a the basis of this contract. investigating and handling any claim. 2 Any liability you have under an agreement similar event. b You or any other person on whose which you would not have if the agreement behalf payment is claimed must keep We may do the following: C Any consequence of an act of terrorism, did not exist. to the terms and conditions of this a We may take over and carry out in including any action taken to control or policy. your name (or that of any person 3 Any accident, injury, loss or damage (except prevent an act of terrorism. c You must let us know about any defined as an ‘insured person’ under under section 2) arising during or as a result Terrorism means an act or threat of force or relevant facts that may possibly affect section 2 of this policy) legal of: violence by any person or group, whether our decision to provide insurance, proceedings to defend or settle any (a) an earthquake; or since the start date of the policy or claim, or to prosecute in your name acting alone or in connection with any (b) a riot or civil commotion happening organisation, whose intention is to influence your last renewal date (whichever is (or the name of another person) any some where else other than Ireland, Great any government or to place the public, or any the latest). If you do not tell us these claim for our own benefit. We will Britain, the Isle of Man or the Channel section of the public, in fear. facts, your policy may not provide the decide how any proceedings are Islands (unless you can prove that the loss, cover you need or may not be valid at carried out or how any claim is damage or injury was not caused by that all. settled. riot or civil commotion). d Any person whose driving is covered b If we have to meet any legal liabilities by the terms of the certificate must under this insurance as a Road Traffic 4 Loss or damage (except under section hold a licence to drive that vehicle or, Act insurer, we have the right to ask 2) directly caused by pressure waves as a if they have held a licence to drive that you (or any other person) to repay us result of aircraft and other flying objects vehicle, must not have been if you have not kept to the terms, travelling at or above the speed of sound. disqualified from holding that licence. conditions and exceptions of this 5 A policy. Claims a Loss or damage to any property or c If the law of any country in which this any indirect loss or expense 2 You or any other person we cover under policy applies, or an agreement (consequential loss). paragraph 4 of the certificate must: between insurers and government b Any legal liability directly or indirectly a write and let us know immediately (for example, the Motor Insurers' caused by, contributed to or arising about any event which may lead to a Bureau of Ireland agreement) says from: claim under this policy, with all the we must make any payment on your details we may need; behalf which we would not otherwise have paid, we have the right to: b write and tell us immediately if you become aware of any prosecution or inquest in connection with the event; 8 9
    • • get the amount back from you; or We may cancel this policy by sending 10 days’ Replacement or extra car purchase or contract-hire agreement, we • get the amount back from the person notice by registered letter to your last known will pay any claim to the owner described in 8 You must: who was responsible; or address. You will then be entitled to a refund the agreement. We will then have no further • get the amount back from both of of part of your premium, as long as the refund a immediately give us full details of any liability for the payment. you. amounts to at least €20. replacement or extra private car (if you do not give us those details, you will Windscreen damage Mid term alterations We may cancel this policy without having to have no cover under this policy for give you any reason. We will pay for loss of or damage to the glass in 3 If you make an alteration to your policy and that replacement or extra car); If you wish to cancel your policy in the 14 days b pay us any extra premium due; and your car’s windscreen or any other car window this results in an adjustment in premium, we after: c let us know if you get rid of the car so (not including the sunroof) and any scratching will not charge you for premium adjustments • the start of the policy; or you can qualify for a refund of your on the bodywork as a result of the breakage. less than 20, nor will we refund you any premium amounts of less than 20. • the day on which you receive your policy premium. We may: documents; whichever is later, please read • repair or replace the windscreen; or Cancellation Other Insurance the section 'Your policy and schedule' on • pay a cash amount for the loss or damage. 4 You may cancel this policy at any time page 3 for more information. 9 a If at the time of any claim you have If you use Allied Irish Windscreens (Phone 1800 by returning your certificate of motor another insurance policy covering the 512 345) or Autoglass (Phone 1800 36 36 36) insurance and windscreen disc to us. As Fraud same loss, damage or liability, we will for the replacement or repair there is no limit long as no claim has happened during the pay only our share of the claim. 5 If any claim is fraudulent in any way, or if you applicable. If you use any other windscreen current period of insurance, we will work or anyone acting on your behalf has used b If at the time of any claim any other repairer there is a limit of 225. Any payment out the premium for the period for which we any type of fraud, you will lose all benefit insured person (defined in section will not affect your no-claims discount (see have insured you and refund any balance, under this policy. This will also apply if you 2 - Liability to third parties) has page 7), and we will not ask you to pay any provided that the refund due to you exaggerate a claim or if you send forged or another insurance policy covering the excess if you claim. amounts to at least €20. If you cancel the false documents to us. same loss, damage or liability, we will policy during the first year, the refund will be not pay any part of the claim. Towing charges based on our short-period rates. Duty to take care We will pay the reasonable cost of protecting 6 You must take all reasonable steps to Events we insure and removing your car to the nearest repairer Short period rates prevent accident, injury, loss or damage, if, as a result of any loss or damage insured Section 1 - Loss of or damage to the car Period for which policy Percentage of and must keep your car in a roadworthy under this section, you cannot drive the cover applied in the yearly premium condition. You must allow us to examine We will pay for loss of or damage to the car car. We will also pay the reasonable cost first year that could be your car at any time. or any part of it or its accessories and spare of delivering it to you within the territories refunded parts (whether on your car or in your private covered by this policy after the repair, Not more than 21 days 80% Arbitration garage), and loss or damage while it is being replacement, reinstatement or recovery. We Not more than 1 month 70% 7 Any dispute between you and us (about our transported by sea (including loading and will pay the reasonable cost of storing your car. Not more than 2 months 60% liability over a claim or the amount to be unloading) between any ports in the territories Not more than 3 months 50% paid) must be referred (within 12 months covered by this policy. New car replacement Not more than 4 months 40% of the dispute arising) to an arbitrator We may: We will replace your car with a new car of the Not more than 5 months 30% appointed jointly by you and us. If you • repair or replace the car or any part of it; or same make and model (if a car is available in Not more than 6 months 20% and we cannot agree on an arbitrator, the • pay a cash amount for the loss or damage. the Republic of Ireland) if: Not more than 7 months 10% President of the Law Society of Ireland will decide on the arbitrator and the decision of • you are the original and only owner of your 8 months or over 0 Hire-purchase or contract-hire that arbitrator will be final. If you do not refer car from new; and agreement the dispute to arbitration within 12 months, • within 12 months of first registering your we will treat the claim as abandoned. If we know that your car is covered by a hire- car, it is stolen and not recovered or is lost 10 11
    • or damaged (in a single accident) and the costs and expenses, the amount an 3 All other legal costs and expenses • the full amount they may have to pay cost of the repair, reinstatement or insured person (or their legal personal which are run up in defending any under the Road Traffic Acts for being replacement is more than 50% of the representatives) may have to pay for being claim for bodily injury or damage to legally liable for a person’s death or bodily current Republic of Ireland list price of the legally liable for damage to property; property arising as the result of an injury; and car when new. arising as a result of an accident caused by accident caused by or connected to • up to a limit of €30,000,000 the amount or in connection with the car. the car and for which the insured they may have to pay under the Road To take advantage of this benefit, you must person may be legally liable. Traffic Acts for damages and costs and insure the car for its full replacement cost for at A Definition of ‘insured person’ least 12 months after first registering it. expenses of the person claiming for For the purpose of insurance under this You must have our written permission damage to property; section, the term ‘insured person’ means: before we will make any payment. Exclusions to Section 1 for any detached single-axle trailer that weighs 1 you; We will not pay for: C Compulsory insurance in the European up to half a tonne when not loaded. 2 any person entitled to drive under the terms of the certificate other than a Union and other countries 1 loss in value, wear and tear, mechanical, Exclusions to section 2 electrical or electronic breakdown; person in the motor trade driving the We will extend the insurance under this car for purposes of overhaul, upkeep, section to give the minimum cover needed Unless we must do so under the road traffic 2 damage to tyres by braking, punctures, or repair; by law relating to compulsory insurance for legislation, we will not pay: cuts or bursts; 3 any person, with your permission, vehicles in any country which: 1 for damage to property owned by or in 3 loss of use; using but not driving the car for social, the possession or control of the insured 4 loss or damage over the current market • is a member of the European Union; or domestic and pleasure purposes; person; value of the car at the time of loss or the • has, according to the Commission of the 4 any person, with your permission, amount shown under ‘Vehicle’ in the policy European Union, made arrangements to 2 for death of or bodily injury to any person who is in, getting into or getting out schedule, whichever is less; meet Article 7(2) of the EC Directive on driving the car, or in charge of it for the of the car; 5 any amount over 5% of the insured value insurance of civil liabilities arising from purpose of driving it; 5 the owner of the car (if you ask us); of the car, or €650, whichever is less, for using motor vehicles (number 72/166/ 3 if the insured person has cover for the and loss or damage to radio, hi-fi, car-phone EEC). liability under another policy; or CB radio equipment, unless we agree 6 the employer or business partner of otherwise; or any person whose business use is D Driving other cars 4 for bodily injury to any person arising covered by the terms of the certificate. out of and in the course of that person’s 6 any modifications unless they form part of We will pay: employment by the insured person, or the manufacturers standard specification B Legal costs • the full amount you may have to pay under or are optional extras that we have agreed 5 for any loss, damage, liability or injury to cover; or We may pay the following legal costs this section for being legally liable for a arising from caravans, mobile homes, if they relate to an incident which is person’s death or bodily injury; and trailer tents, boat trailers, and any trailer 7 any more than our share for loss or damage if, at the time of a claim, there is any other covered under this section. • up to a limit of €30,000,000 the amount which includes machinery or other policy covering the loss or damage. you may have to pay for damages and equipment. 1 The fees of solicitors asked to for the costs and expenses of the person represent anyone we insure at a Section 2 - Liability to third parties claiming for damage to property; coroner’s inquest or defence in any We will pay: district court. as a result of an accident caused by or in 2 The costs of defence against a charge, connection with you driving any other private • the full amount an insured person (or their car you do not own. under subsection 2(A) of Section 53 of legal personal representatives) may have the Road Traffic Act 1961, of to pay for being legally liable for a person’s E Unspecified detached trailers manslaughter or causing death or death or bodily injury; and serious bodily harm by dangerous We will, on behalf of an insured person (or their • up to a limit of €30,000,000 including driving. legal personal representatives), pay: 12 13
    • Section 3 - Medical expenses and Section 4 - JourneyWise accident cover Exclusions to section 4 Conditions which apply when settling emergency treatment claims under section 4 We will pay the following benefits for the 1 We will not pay for any person insured: We will pay: events described: Any person insured or their legal personal a taking part in racing, rallies, trials, representatives must: A you for any accidental bodily injury (a) death 26,000 speed-testing or motorcycling; suffered in direct connection with the car a let us know as soon as possible after any (b) total and permanent b affected (temporarily or otherwise) by up to €130 for each person for medical accident which may give rise to a claim loss of sight in one alcohol, drugs or solvent abuse; expenses any occupant has to pay under this policy; and or both eyes 26,000 c having a blood or urine alcohol level (including the driver of the car); and b produce any medical certificates and any (c) loss of one or above the legal limit shown in the other evidence which we may need and B the cost of emergency treatment for more limbs 26,000 Road Traffic Acts and any further pay any costs involved in doing this. injuries caused by or arising out of using (d) for each complete day regulations; any motor vehicle which we cover under you or they spend as an d more than one of the amounts We will: this policy if liability for that treatment inpatient in hospital for payable under the benefits a, b or c arises under the Road Traffic Acts. up to 20 days 130 under this section in connection with a if any person insured dies, be entitled to the same accident; or have a post-mortem examination which We will pay benefits to any person insured we will pay for; and e who lives permanently outside the who is injured: Republic of Ireland. b have the right to ask any person insured to have a medical examination which we will A while in, getting into or getting out of a 2 We will not pay for death or bodily injury: pay for. private car a due to suicide or attempted suicide; You cannot transfer to anyone else your rights B while in, getting into or getting out of to any benefit under this policy. any train, bus, taxi, aircraft, boat, ship b caused, prolonged or made worse by or hovercraft, but only as a fare-paying any illness or disability you had before When we have no further liability passenger; or the accident; or When any person insured, or their legal C while as a pedestrian involving any road c which does not happen within six personal representatives, receives any benefit vehicle, train or aircraft. months of the date of the accident. we have paid, we will have no further liability under the policy. The injury must be the only cause of death, loss of sight in one or both eyes, or loss of a limb of the person insured. Notes applying to section 4 1 If you or any person insured dies, we will pay death benefit to the legal personal representatives. 2 The cover in this section applies worldwide. 3 If we pay benefit under this section, it does not affect your no-claims discount. 14 15
    • Section 5 - Endorsements PC69 Foreign use Any payment will not affect your no-claims This policy will apply for the period shown in discount (see page 7) and we will not ask you The endorsements in this section which are b No cover operates under the policy to pay any excess if you claim. the international motor insurance card (Green shown in your policy schedule will also apply. while the car is being driven by (or is in Card) we have issued for the car while it is in You must pay an extra premium for this cover. the charge of for the purpose of being PC1 Driver qualification any of the countries the Green Card applies to driven by) any person who is under 25 (full EU licence) or while being transported between any ports PC72 Second car discount or over 70 years of age unless that In general condition 1d, we are replacing the in those countries. person is named in the schedule which We will allow an appropriate discount off your words ‘must hold a licence’ with the words is attached to this policy. If you claim for a risk we insure, we will also premium if: ‘must hold a full EU licence’. cover any costs you have as a result of being c No cover operates under the policy there is a second car in your household forced to pay a customs duty or a Spanish Bail while the car is being driven by (or is in belonging to you or your partner, which is PC2 Driver qualification Bond. the charge of for the purpose of being currently insured under a motor policy; and (EU licence-full or provisional) driven by) any person who holds a the driving option on your policy is 'insured In general condition 1d we are replacing the provisional EU licence unless that PC70 Specified trailers (see the schedule and partner'. words ‘must hold a licence’ with the words person is named in the schedule which for the cover which applies) ‘must hold an EU licence’. is attached to this policy. We will extend the cover under this policy PC99 Special claims excess where you to the trailers described in the schedule of do not tell us about penalty points PC3 Driver qualification PC11 Excluding driving other cars the policy while attached to your car, for the (open driving - option 1: 25-70 It is a condition of this policy that you let We have cancelled clause D of section 2 of the purposes of being operated or drawn, or full EU licence) us know if any driver under this policy has policy headed ‘Driving other cars’. detached and not being used. The cover for received penalty points on his or her licence. a In general condition 1d, we are the trailer is shown in the schedule. We will not replacing the words ‘must hold a be liable for any loss, damage, liability, or injury If you do not keep to this condition, you will PC14 Excess - accidental damage licence’ with the words ‘must hold a arising out of any event which happens while have to pay a policy excess of €2,500 as well For each event under section 1 of the policy, as any existing policy excess, which means that full EU licence’ for all drivers. your car is pulling more trailers than is allowed we will not pay the first amount (shown in the we may not pay for at least the first €2,500 for b We will not provide cover under the by law. schedule as excess) we would otherwise pay any claim. policy while the car is being driven by, for loss or damage to the car other than by fire, (or is in the charge of, for the purpose PC71 Windscreen damage - third-party If we have to deal with a claim from a third self-ignition, lightning, explosion or by theft or of being driven by) any person who is fire and theft party, we may want to recover the first €2,500 attempted theft. under 25 or over 70 years of age. from you. Any amount in the schedule applies as well as We will extend the cover under this policy to any other amount (excess) for which we are not pay for loss of or damage to the glass in your PC4 Driver qualification car’s windscreen or any other car window (not PC202 (B) Spare parts clause for Japanese liable under this policy. (open driving - option 2: 25 - 70 including the sunroof) and any scratching on or Far Eastern imports full EU licence plus named drivers) the bodywork as a result of the breakage. For each event where replacement parts PC28 Farmers a In general condition 1d, we are We may repair or replace the windscreen or are needed to repair the car and the parts We will not pay for damage to the car caused by replacing the words ‘must hold a pay a cash amount for the loss or damage. If are not available or out of stock from the the goods you are carrying. licence’ with the words ‘must hold a you use Allied Irish Windscreens (Phone 1800 manufacturer’s European representatives full EU licence’ for all drivers, except as 512 345) or Autoglass (Phone 1800 36 36 36) or agents, you must pay the cost of the shown in c below. for the replacement or repair there is no limit replacement over the price shown in the latest applicable. If you use any other windscreen maker’s price list. repairer, there is a limit of €225. 16 17
    • PC208 Optional no-claim discount PCYD1 Exclusion of accidental damage Section 7 - Breakdown Assist cover 2 Towing step-back For each event under Section 1 of the policy, We will cover the cost of towing the car to: We will pay for the following kinds of If you make a single claim or one arises during we will not pay for loss or damage to the car breakdown • the nearest competent repairer; or any period of insurance, we will reduce your other than by fire, self-ignition, lightning, • your own garage; no-claims discount as follows. explosion or by theft while the car is being Mechanical breakdown, fire, theft or attempted theft, malicious damage, punctures whichever is closer. • 50% to 20% driven by or is under the direct control of any driver between the hours of 11pm and 6am. that need help to fix or to replace a wheel, lost • 40% to 10% keys, stolen keys, and keys broken in the lock 3a Finishing the journey in the 32 counties • 30% or less to nil or locked in the car. of Ireland Section 6 - Personal belongings You must pay an extra premium for this cover. Cover applies in the 32 counties of Ireland, and (Cover only applies when you are more We will pay up to €150 for any one event for in England, Scotland and Wales. than 30 kilometres from your home.) PC302 Optional protected no-claim any loss of or damage to personal belongings in the car caused by fire, accident or theft. We However, we do not cover the benefits If repairs cannot be carried out at the discount ‘Finishing the journey’ or ‘Theft of your car’ scene, we will pay for: may, if you ask, pay the owner of the property You may only avail of this cover when your while your car is in England, Scotland or Wales • transport for you and your passengers directly. no-claims discount is shown as 5 years or (apart from as set out below). to your intended more (50%) on your schedule. If we make a payment under this section, it will destination; or not affect your no-claims discount. We will not be liable for any expenses you You may make up two claims costing any • a replacement car for up to 48 hours amount in a three-year period without losing Exclusions run up without our approval beforehand, or and transport back to collect your car your no-claims discount. We will not take We will not pay for loss or damage to: for expenses you run up without dialling the when repaired; or account of claims for windscreen breakage or Freephone number first - 1 800 247 121 • bed-and-breakfast accommodation • money, stamps, documents or securities or calling from Northern Ireland, England, fire or theft for the purposes of this cover. while you and your passengers are (such as share and Premium Bond Scotland or Wales - 01 613 321 034. You must pay an extra premium for this cover. certificates); or waiting for repairs to be finished (up We are entitled to provide what we consider to €35 for each person, and €150 in If we pay more than two claims in the three- • goods or samples carried in connection to be the most suitable benefit at the time total). year period then your no-claims discount will with any trade. you need the assistance. This is because not be affected as detailed in the endorsement all options are always available to us at the 3b Finishing the journey in England, number PC208 - No-claim discount stepback time of the breakdown. Scotland or Wales in your policy. If the repairer is not able to carry out The following benefits are available:- repairs at the scene of the breakdown, we PC5,000 Mileage discount We will take the appropriate mileage discount will provide a replacement car for up to 48 1 Roadside and driveway assistance hours. The most we will pay for this is £100. off your premium as long as you do not drive We will send a competent repairer to help you If your car cannot be repaired before your more than 5,000 miles a year. at the scene. If your vehicle can be repaired departure date, we will pay for your car to PC10,000 Mileage discount immediately, we will provide up to one hour’s be towed to the port in England, Scotland free labour. You must be with the car when the or Wales you are leaving from. The most We will take the appropriate mileage discount repairer arrives. If you are not with the car and off your premium as long as you do not drive we will pay for this is £250. we cannot help you, you must pay for any help more than 10,000 miles a year. you then need. 18 19
    • 4 Theft of your car 6 The costs of any parts, keys, lubricants, If your car has been stolen and not recovered fluids or fuel needed to be able to drive the within 24 hours, we will provide a replacement car again. car: 7 Any claim caused by fuels, oils or other • for up to five days; or flammable materials, explosives or toxins • until your car is recovered; transported in the car. whichever is sooner. Limit of responsibility This cover only applies in the 32 counties of We will not be responsible to you if we are Ireland. You must also report the theft to us not able to provide the services set out in this and the Gardaí immediately. section. If you have an accident The commercial conditions for hiring a replacement car apply. These conditions Only benefit number 2 applies if you have an include, but are not limited to, the following. accident. • The driver must provide a full driving Messages licence, which must be free of endorsements. We will pass on up to two urgent messages on your behalf. • The driver must provide a cash or credit- card deposit. Exclusions to section 7 • The car must be returned to the pick-up point. We will not pay for the following: We will not be responsible to you if we fail to 1 Any liability or loss arising from any act meet any of our responsibilities as a result of: carried out in providing the assistance service. • government control, restrictions or prohibitions; 2 Expenses you can claim from any other source. • any other act or failure to act of any public authority (including government), whether 3 Any claim arising where the car is carrying local, national or international; more passengers or towing a greater weight than it was designed for, or arising • the fault of any supplier, agent or other directly from unreasonable driving on an person; unsuitable surface. • labour disputes or difficulties; or 4 Any accident or breakdown resulting from a • any other event beyond our reasonable deliberate act. control. 5 The costs of repairing the car, other than as described in the benefits section. 20
    • Tesco Car Insurance will provide you with a speedy, efficient and friendly service. Depending on your query or situation, the numbers you should call are: Customer Hotline 1850 640 640 Claims Hotline 1850 780 780 Breakdown Assist 1800 247 121 From Northern Ireland, England, Scotland or Wales 01 613 321 034 Tesco Car Insurance is arranged by Tesco Personal Finance plc, it is underwritten and administered by Hibernian Aviva General Insurance Limited. Tesco Personal Finance plc is registered in Scotland with number 173199. Registered office at Interpoint Building, 22 Haymarket Yards, Edinburgh EH12 5BH. Tesco Personal Finance plc is regulated in the UK, as a credit institution, by the Financial Services Authority under the Financial Services and Markets Act 2000. Hibernian Aviva General Insurance Limited is regulated by the Financial Regulator and is a member of the Irish Insurance Federation. For your protection, we may record or monitor your calls. Tesco Personal Finance plc acts as an insurance intermediary in the Republic of Ireland, offering a range of life and non- life products, as well as credit cards. In arranging non-life insurance in Ireland, Tesco Personal Finance plc acts as a non-life insurance intermediary for ACE Insurance S.A-N.V., for Financial Insurances Company Limited (a member of the GE Financial Insurances (Ireland) Group) and Hibernian Aviva General Insurance Limited. In arranging life insurance in Ireland, Tesco Personal Finance plc acts as a life insurance intermediary for Hibernian Aviva Life & Pensions Limited and for Financial Assurance Company Limited (a member of the GE Financial Insurances (Ireland) Group). Ignition is a registered trademark of Hibernian Aviva General Insurance Limited. TCI0040109