This document provides information about Warrantywise, a used car warranty company in the UK. It begins by stating that Warrantywise aims to design the best used car warranty without "weasel words". It then provides contact information and lists Quentin Willson as having helped design the warranty.
The summary highlights that the warranty covers repairs for mechanical and electrical parts, can be used at any VAT-registered garage, and includes car hire and European coverage. It also notes there are no excess fees or exclusions for normal wear and tear.
In 3 sentences or less, it introduces Warrantywise as a used car warranty provider in the UK, discusses some key coverage details like repairing mechanical and electrical parts at any
This document is a taxi insurance claim form that contains important information about filing a claim. It requests details about the insured taxi operator and driver, describes what to do if an accident occurs, requests a description of any vehicles or property damaged, and asks questions about injuries, witnesses, fault and more. Signing the form allows the insurance company to obtain relevant information and assess the claim in a timely manner.
1) Calliden is an insurance company that operates according to the General Insurance Code of Practice and is committed to protecting customers' privacy.
2) The document provides information on making a machinery claim, including sections to provide policy and loss details, electrical repair costs, and a declaration.
3) Customers must provide details of their GST status and entitlement to an input tax credit to ensure their claim payment is correctly calculated.
Stanford A. Charlton has over 20 years of experience in insurance in the Bahamas, Turks & Caicos Islands, and London. He is currently the Country Manager for Fidelity Insurance in Providenciales, Turks & Caicos Islands, where he oversees all insurance business. Prior to this role, he held positions including Senior Personal Lines and Marine Insurance Manager, Assistant Motor Underwriting Manager, Branch Manager, and Insurance Claims Representative. He has a Bachelor's degree in Business Administration and is an Associate of the Chartered Insurance Institute of London.
CVT Bhd borrowed RM2 million from Bank ABS in October, secured by a fixed charge on its factory and a floating charge over another company's property. The floating charge prohibited further charges without authorization. In April, CVT borrowed RM1 million from Lender X, secured by a fixed charge on its debt book. The liquidator must now determine priority.
The floating charge likely did not crystallize as a fixed charge as Bank ABS did not provide notice. Between the fixed charges, Bank ABS' charge has priority as the first in time. Bank ABS' floating charge has priority over Lender X's later fixed charge due to the negative pledge clause, giving Bank ABS first claim to the assets.
The document summarizes upcoming changes to the Compliance, Safety, Accountability (CSA) program in the US. Major changes include: (1) Moving non-HazMat cargo violations from the Cargo BASIC to the Vehicle Maintenance BASIC, (2) Renaming the Cargo BASIC to the HazMat BASIC, and (3) Changing the definitions of violations and their severity weights. The changes aim to address biases in the previous system and better focus on safety priorities like hazardous materials compliance. The changes will take effect in December 2012 with the next SMS data update.
This document discusses how the law relating to wrongful trading protects unsecured creditors in insolvency. It examines key cases that found contributions from wrongful trading claims and the right to bring such claims are not assets of the insolvent company. This creates funding issues for liquidators pursuing claims. Conditional fee agreements and after-the-event insurance helped address this in England by allowing recovery of success fees and insurance premiums from defendants. However, their abolition and lack of similar measures in Scotland weakens creditor protections, as liquidators are less willing to take on the risk and cost of litigation without means of recovery. Overall, the document argues current law is ineffective at protecting creditors due to these funding constraints on liquidators pursuing wrongful
This document provides a summary of recent legal landmarks in India related to taxation. It lists 6 key cases from various High Courts and Income Tax Appellate Tribunals (ITAT) pertaining to sections of the Income Tax Act such as capital gains, deductions, transfer pricing adjustments, and registration of charitable trusts. For each case, it provides details such as the authority, relevant section/rule, key ratio decided, and name of the assessed party. The director of the consulting firm Anand Mehta & Co. shares this summary of legal rulings with a client and offers to provide any further information needed.
The Cayman Islands is one of the most important financial centers in the world. It has over 19,000 registered companies and is a leading domicile for banks, trusts, funds, insurance and captive insurance. The Cayman Islands financial services industry has experienced significant growth since the 1960s and maintains a reputation as a well-regulated jurisdiction.
This document is a taxi insurance claim form that contains important information about filing a claim. It requests details about the insured taxi operator and driver, describes what to do if an accident occurs, requests a description of any vehicles or property damaged, and asks questions about injuries, witnesses, fault and more. Signing the form allows the insurance company to obtain relevant information and assess the claim in a timely manner.
1) Calliden is an insurance company that operates according to the General Insurance Code of Practice and is committed to protecting customers' privacy.
2) The document provides information on making a machinery claim, including sections to provide policy and loss details, electrical repair costs, and a declaration.
3) Customers must provide details of their GST status and entitlement to an input tax credit to ensure their claim payment is correctly calculated.
Stanford A. Charlton has over 20 years of experience in insurance in the Bahamas, Turks & Caicos Islands, and London. He is currently the Country Manager for Fidelity Insurance in Providenciales, Turks & Caicos Islands, where he oversees all insurance business. Prior to this role, he held positions including Senior Personal Lines and Marine Insurance Manager, Assistant Motor Underwriting Manager, Branch Manager, and Insurance Claims Representative. He has a Bachelor's degree in Business Administration and is an Associate of the Chartered Insurance Institute of London.
CVT Bhd borrowed RM2 million from Bank ABS in October, secured by a fixed charge on its factory and a floating charge over another company's property. The floating charge prohibited further charges without authorization. In April, CVT borrowed RM1 million from Lender X, secured by a fixed charge on its debt book. The liquidator must now determine priority.
The floating charge likely did not crystallize as a fixed charge as Bank ABS did not provide notice. Between the fixed charges, Bank ABS' charge has priority as the first in time. Bank ABS' floating charge has priority over Lender X's later fixed charge due to the negative pledge clause, giving Bank ABS first claim to the assets.
The document summarizes upcoming changes to the Compliance, Safety, Accountability (CSA) program in the US. Major changes include: (1) Moving non-HazMat cargo violations from the Cargo BASIC to the Vehicle Maintenance BASIC, (2) Renaming the Cargo BASIC to the HazMat BASIC, and (3) Changing the definitions of violations and their severity weights. The changes aim to address biases in the previous system and better focus on safety priorities like hazardous materials compliance. The changes will take effect in December 2012 with the next SMS data update.
This document discusses how the law relating to wrongful trading protects unsecured creditors in insolvency. It examines key cases that found contributions from wrongful trading claims and the right to bring such claims are not assets of the insolvent company. This creates funding issues for liquidators pursuing claims. Conditional fee agreements and after-the-event insurance helped address this in England by allowing recovery of success fees and insurance premiums from defendants. However, their abolition and lack of similar measures in Scotland weakens creditor protections, as liquidators are less willing to take on the risk and cost of litigation without means of recovery. Overall, the document argues current law is ineffective at protecting creditors due to these funding constraints on liquidators pursuing wrongful
This document provides a summary of recent legal landmarks in India related to taxation. It lists 6 key cases from various High Courts and Income Tax Appellate Tribunals (ITAT) pertaining to sections of the Income Tax Act such as capital gains, deductions, transfer pricing adjustments, and registration of charitable trusts. For each case, it provides details such as the authority, relevant section/rule, key ratio decided, and name of the assessed party. The director of the consulting firm Anand Mehta & Co. shares this summary of legal rulings with a client and offers to provide any further information needed.
The Cayman Islands is one of the most important financial centers in the world. It has over 19,000 registered companies and is a leading domicile for banks, trusts, funds, insurance and captive insurance. The Cayman Islands financial services industry has experienced significant growth since the 1960s and maintains a reputation as a well-regulated jurisdiction.
The document is an endorsement from Tata AIG General Insurance Company Ltd amending policy number 0151291774. It changes the name of the insured from "KIRAN" to the correct name and updates the insured's address. All other terms and conditions of the policy remain unchanged. The endorsement is effective from June 15, 2011 to the policy expiration date of May 19, 2012.
Aviva's Road to Reform - reducing motor premiums by reforming the personal in...Aviva plc
The current motor insurance system is dysfunctional and has resulted in above-inflation premium rises for ordinary motorists.
The main reason for this is a disproportionate increase in minor bodily injury claims, most commonly for whiplash. Since 2009, the number of whiplash claims has risen by 32%, despite the number of accidents falling by 16%. In the same period personal injury claims soared to become more than half of all motor claims costs at Aviva; rising to 52% in 2011.
Aviva surveyed over 2,000 drivers to get their views on premiums and reform. The findings show an overwhelming belief among drivers that an excessive cash-compensation culture exists in the UK.
This document provides a summary of recent legal landmarks and rulings on taxation issues in India. It lists 6 key cases by court or tribunal, relevant section/rules, and a brief summary of the ratio or key ruling. The cases cover issues like service tax registration requirements, tax treatment of fees paid abroad, and whether certain payments qualify as royalties or technical fees. The letter is from a consulting firm providing this legal update to a client.
The Global Affinity Finance Club is
Finaccord’s quarterly newsletter about
affinity financial services worldwide.
Through this, Finaccord publishes top
line information about key strategic
developments in affinity and partnership
marketing of financial services
around the world, segmented between
affinity insurance news, bancassurance
news and affinity banking news.
This service differs from that provided
by other research companies because
its focus is genuinely global, often
translating news that only appears in
languages other than English. In addition,
it concentrates exclusively on
affinity and partnership marketing
strategy.
Affinity and partnership marketing
strategy is an important component of
general distribution strategy for a majority
of large banks and insurance
companies serving consumers and
small businesses as successful partnerships
potentially allow them to access
groups of customers that they cannot
always reach by themselves.
If you would like to join Finaccord’s
Global Affinity Finance Club, contact
us by telephone or send us an email to
info@finaccord.com. Thereafter, each
quarter, we will send you a link to the
page of our website with fresh news
and future editions of this document.
This document provides a summary of recent legal landmarks in 6 areas of tax law:
1) Payments received for supply, erection and commissioning of equipment is taxable under section 44BB.
2) Subscription fees received for social media monitoring services are considered royalty and taxable under section 9.
3) Penalty under section 271D for cash loans over Rs. 20,000 is not applicable if each loan is less than Rs. 20,000 even if total is over the limit.
4) Exemption under section 13 is only available for trust income not applied for the benefit of any person listed under section 13(3).
5) Extended limitation period is available to the AO even if
This document provides a summary of recent legal landmarks in 6 areas of tax law:
1) Situs of income for foreign agents and requirement to deduct tax from commission payments.
2) Claim of expenditure on interest for investments even when dividend income is not taxable or company is running at losses.
3) Addition of unexplained expenditure even if proof of source of funds is provided.
4) Classification of gains from portfolio management as business profits regardless of how client shows transactions.
5) Exclusion of eligible STPI unit income at source before calculating gross total income and set-off of losses.
6) Allocation of costs for tonnage tax companies based on use of assets for tonnage
This document is a letter from Anand Mehta & Co. consulting firm listing recent legal landmarks and case rulings. It includes 6 cases summarized with the case name, authority, relevant section/rule, and key ratio. The cases cover topics like capital gains tax exemptions, transfer pricing assessments, business expense deductions, and applicability of double taxation treaties. The letter is providing this information to an unnamed client and offers additional assistance if needed.
Country Comparative Legal Guides to Insurance & Reinsurance, Ireland 2017Matheson Law Firm
This country-specific Q&A gives a pragmatic overview of the law and practice of insurance & reinsurance law in Ireland. It addresses topics such as contract regulation, licensing, penalties, policyholder protection, alternative dispute resolution as well as personal insight and opinion as to the future of the insurance market over the next five years.
This document outlines the terms and conditions of a general and products liability insurance policy. It includes definitions of key terms, descriptions of what is and is not covered, and procedures for claims and cancellations. Key exclusions include property owned by the insured, damage to products, faulty workmanship, asbestos, breach of professional duty, contractual liability, employers' liability, and fines, penalties or punitive damages.
The document summarizes potential avenues of investigation available to a liquidator regarding a company in insolvency or liquidation proceedings. These include investigating insolvent trading, fraudulent trading, undue preference given to creditors, and the liquidator's right to recover assets in certain sales transactions. Relevant sections of the Malaysian Companies Act 2016 governing these areas are also outlined. Key persons who may be liable if found to have engaged in wrongdoing are directors, connected persons, and parties knowingly involved in carrying on business with intent to defraud creditors. The liquidator may provide evidence to support applications to the court regarding fraudulent trading and recoveries.
Andrew Ling is certified as a home inspector in Virginia. His certificate is issued by the Board for Asbestos, Lead, and Home Inspectors and expires on April 30, 2009. He operates his business, Top Home Inspections, out of Haymarket, Virginia. The certificate of insurance shows that Andrew Ling has liability insurance through Nationwide Mutual Fire Insurance Company for his home inspection business.
This document provides course information for students attending the Miller Career & Technology Center in the Katy Independent School District. It lists career academy programs and course offerings in fields such as agriculture, arts/audio-video, business, education, health science, hospitality/tourism, and STEM. Transportation is provided from high schools to the center via bus in the morning and afternoon. Students can attend either full-day or part-day depending on their schedule.
This report on an online shopping mall, previously this company was working with other name than BELISCITY.COM and now a days working with the name gulfdealz.com.
I worked online on this report Most of the part of this report is on observational basis by viewing their website online continuously each and every portion day to day, their delivery of goods, web structures, add post on web courier service, it was thought provoking regarding strategies while developing strategies for online company.
The document provides guidance on writing learning objectives. It distinguishes between content-based objectives, which focus on what students will learn, and skills-based objectives, which focus on what students will be able to do. It suggests that skills-based objectives provide more opportunity for student-led learning when they are task-driven and remove context. The document also notes that the highest order objectives will have students evaluate strategies rather than simply finding or completing tasks.
The document summarizes a study on the effects of a solution extracted from vermicompost on plant growth. Key findings from the study include:
1) A solution was extracted from vermicompost using a 1:1 ratio of vermicompost to distilled water and tested in hydroponic cultures of maize seedlings, capsicum seedlings, and Brassica pekinensis.
2) Plants treated with the extracted solution (E) showed increased chlorophyll content, nutrient uptake, fresh and dry root-shoot ratios compared to plants given only a nutrient solution (N).
3) Root system analysis found that plants given the extracted solution had longer roots, larger root surface area and
G-1. Web-сайт. Сайт музея Максіма Багдановіча ў ГроднеТатьяна Рысева
Работа ўдзельніка фестывалю беларускамоўнай рэкламы і камунікацыі aDNaK!
Сайт музея Максіма Багдановіча ў Гродне: https://bagdanovichmuseum.by/
Выканаўца работы — студыя «Іквадарт».
Презентация фокусирана върху различните сфери, в които може да се използва CG 3d плюс няколко съвети, как да почнем да учим, за да навлезем в тази сфера.
Представена на 24.06.2016 от Пламен Бързев в Zara Lab.
https://www.facebook.com/zaralabbg/?fref=ts
This short document promotes the creation of Haiku Deck presentations on SlideShare by stating it provides inspiration and allows users to get started making their own presentations. It encourages the reader to create presentations on the Haiku Deck platform hosted on SlideShare.
This 15-second TV commercial storyboard depicts a father who is a pilot leaving for work. His son tells him he wants to be a pilot like his dad when he grows up. However, the story takes a comedic turn when the son learns his father does not actually fly for JetBlue, the company being advertised. Shocked by this revelation, the son angrily yells "No wonder mom left!" implying his mother left because his dad did not have the prestigious job of flying for JetBlue. The commercial concludes by promoting JetBlue's amenities to humorous effect.
D Shreyans is seeking a position that allows him to provide professional services and add value. He has over a year of experience as a chartered accountant working on audit assignments. Currently an associate at PwC earning 7 lakhs annually, his responsibilities include statutory audits, limited reviews, and working on areas like revenue, receivables, and payroll for clients in various industries. He also has 6 months of industry experience working in SAP and internship experience conducting statutory and tax audits.
The document is an endorsement from Tata AIG General Insurance Company Ltd amending policy number 0151291774. It changes the name of the insured from "KIRAN" to the correct name and updates the insured's address. All other terms and conditions of the policy remain unchanged. The endorsement is effective from June 15, 2011 to the policy expiration date of May 19, 2012.
Aviva's Road to Reform - reducing motor premiums by reforming the personal in...Aviva plc
The current motor insurance system is dysfunctional and has resulted in above-inflation premium rises for ordinary motorists.
The main reason for this is a disproportionate increase in minor bodily injury claims, most commonly for whiplash. Since 2009, the number of whiplash claims has risen by 32%, despite the number of accidents falling by 16%. In the same period personal injury claims soared to become more than half of all motor claims costs at Aviva; rising to 52% in 2011.
Aviva surveyed over 2,000 drivers to get their views on premiums and reform. The findings show an overwhelming belief among drivers that an excessive cash-compensation culture exists in the UK.
This document provides a summary of recent legal landmarks and rulings on taxation issues in India. It lists 6 key cases by court or tribunal, relevant section/rules, and a brief summary of the ratio or key ruling. The cases cover issues like service tax registration requirements, tax treatment of fees paid abroad, and whether certain payments qualify as royalties or technical fees. The letter is from a consulting firm providing this legal update to a client.
The Global Affinity Finance Club is
Finaccord’s quarterly newsletter about
affinity financial services worldwide.
Through this, Finaccord publishes top
line information about key strategic
developments in affinity and partnership
marketing of financial services
around the world, segmented between
affinity insurance news, bancassurance
news and affinity banking news.
This service differs from that provided
by other research companies because
its focus is genuinely global, often
translating news that only appears in
languages other than English. In addition,
it concentrates exclusively on
affinity and partnership marketing
strategy.
Affinity and partnership marketing
strategy is an important component of
general distribution strategy for a majority
of large banks and insurance
companies serving consumers and
small businesses as successful partnerships
potentially allow them to access
groups of customers that they cannot
always reach by themselves.
If you would like to join Finaccord’s
Global Affinity Finance Club, contact
us by telephone or send us an email to
info@finaccord.com. Thereafter, each
quarter, we will send you a link to the
page of our website with fresh news
and future editions of this document.
This document provides a summary of recent legal landmarks in 6 areas of tax law:
1) Payments received for supply, erection and commissioning of equipment is taxable under section 44BB.
2) Subscription fees received for social media monitoring services are considered royalty and taxable under section 9.
3) Penalty under section 271D for cash loans over Rs. 20,000 is not applicable if each loan is less than Rs. 20,000 even if total is over the limit.
4) Exemption under section 13 is only available for trust income not applied for the benefit of any person listed under section 13(3).
5) Extended limitation period is available to the AO even if
This document provides a summary of recent legal landmarks in 6 areas of tax law:
1) Situs of income for foreign agents and requirement to deduct tax from commission payments.
2) Claim of expenditure on interest for investments even when dividend income is not taxable or company is running at losses.
3) Addition of unexplained expenditure even if proof of source of funds is provided.
4) Classification of gains from portfolio management as business profits regardless of how client shows transactions.
5) Exclusion of eligible STPI unit income at source before calculating gross total income and set-off of losses.
6) Allocation of costs for tonnage tax companies based on use of assets for tonnage
This document is a letter from Anand Mehta & Co. consulting firm listing recent legal landmarks and case rulings. It includes 6 cases summarized with the case name, authority, relevant section/rule, and key ratio. The cases cover topics like capital gains tax exemptions, transfer pricing assessments, business expense deductions, and applicability of double taxation treaties. The letter is providing this information to an unnamed client and offers additional assistance if needed.
Country Comparative Legal Guides to Insurance & Reinsurance, Ireland 2017Matheson Law Firm
This country-specific Q&A gives a pragmatic overview of the law and practice of insurance & reinsurance law in Ireland. It addresses topics such as contract regulation, licensing, penalties, policyholder protection, alternative dispute resolution as well as personal insight and opinion as to the future of the insurance market over the next five years.
This document outlines the terms and conditions of a general and products liability insurance policy. It includes definitions of key terms, descriptions of what is and is not covered, and procedures for claims and cancellations. Key exclusions include property owned by the insured, damage to products, faulty workmanship, asbestos, breach of professional duty, contractual liability, employers' liability, and fines, penalties or punitive damages.
The document summarizes potential avenues of investigation available to a liquidator regarding a company in insolvency or liquidation proceedings. These include investigating insolvent trading, fraudulent trading, undue preference given to creditors, and the liquidator's right to recover assets in certain sales transactions. Relevant sections of the Malaysian Companies Act 2016 governing these areas are also outlined. Key persons who may be liable if found to have engaged in wrongdoing are directors, connected persons, and parties knowingly involved in carrying on business with intent to defraud creditors. The liquidator may provide evidence to support applications to the court regarding fraudulent trading and recoveries.
Andrew Ling is certified as a home inspector in Virginia. His certificate is issued by the Board for Asbestos, Lead, and Home Inspectors and expires on April 30, 2009. He operates his business, Top Home Inspections, out of Haymarket, Virginia. The certificate of insurance shows that Andrew Ling has liability insurance through Nationwide Mutual Fire Insurance Company for his home inspection business.
This document provides course information for students attending the Miller Career & Technology Center in the Katy Independent School District. It lists career academy programs and course offerings in fields such as agriculture, arts/audio-video, business, education, health science, hospitality/tourism, and STEM. Transportation is provided from high schools to the center via bus in the morning and afternoon. Students can attend either full-day or part-day depending on their schedule.
This report on an online shopping mall, previously this company was working with other name than BELISCITY.COM and now a days working with the name gulfdealz.com.
I worked online on this report Most of the part of this report is on observational basis by viewing their website online continuously each and every portion day to day, their delivery of goods, web structures, add post on web courier service, it was thought provoking regarding strategies while developing strategies for online company.
The document provides guidance on writing learning objectives. It distinguishes between content-based objectives, which focus on what students will learn, and skills-based objectives, which focus on what students will be able to do. It suggests that skills-based objectives provide more opportunity for student-led learning when they are task-driven and remove context. The document also notes that the highest order objectives will have students evaluate strategies rather than simply finding or completing tasks.
The document summarizes a study on the effects of a solution extracted from vermicompost on plant growth. Key findings from the study include:
1) A solution was extracted from vermicompost using a 1:1 ratio of vermicompost to distilled water and tested in hydroponic cultures of maize seedlings, capsicum seedlings, and Brassica pekinensis.
2) Plants treated with the extracted solution (E) showed increased chlorophyll content, nutrient uptake, fresh and dry root-shoot ratios compared to plants given only a nutrient solution (N).
3) Root system analysis found that plants given the extracted solution had longer roots, larger root surface area and
G-1. Web-сайт. Сайт музея Максіма Багдановіча ў ГроднеТатьяна Рысева
Работа ўдзельніка фестывалю беларускамоўнай рэкламы і камунікацыі aDNaK!
Сайт музея Максіма Багдановіча ў Гродне: https://bagdanovichmuseum.by/
Выканаўца работы — студыя «Іквадарт».
Презентация фокусирана върху различните сфери, в които може да се използва CG 3d плюс няколко съвети, как да почнем да учим, за да навлезем в тази сфера.
Представена на 24.06.2016 от Пламен Бързев в Zara Lab.
https://www.facebook.com/zaralabbg/?fref=ts
This short document promotes the creation of Haiku Deck presentations on SlideShare by stating it provides inspiration and allows users to get started making their own presentations. It encourages the reader to create presentations on the Haiku Deck platform hosted on SlideShare.
This 15-second TV commercial storyboard depicts a father who is a pilot leaving for work. His son tells him he wants to be a pilot like his dad when he grows up. However, the story takes a comedic turn when the son learns his father does not actually fly for JetBlue, the company being advertised. Shocked by this revelation, the son angrily yells "No wonder mom left!" implying his mother left because his dad did not have the prestigious job of flying for JetBlue. The commercial concludes by promoting JetBlue's amenities to humorous effect.
D Shreyans is seeking a position that allows him to provide professional services and add value. He has over a year of experience as a chartered accountant working on audit assignments. Currently an associate at PwC earning 7 lakhs annually, his responsibilities include statutory audits, limited reviews, and working on areas like revenue, receivables, and payroll for clients in various industries. He also has 6 months of industry experience working in SAP and internship experience conducting statutory and tax audits.
Facilitating Moodle Courses: The Keys to Effective Online Instructionstevendiana
This document provides an overview of an online tutorial for facilitating Moodle courses. The tutorial covers key aspects of online instruction such as comparing online and in-person facilitation, communicating with participants before, during, and after a course, monitoring participation, and facilitating discussions. The goal is to help facilitators maximize participant understanding, engagement, and retention. The tutorial emphasizes the importance of clear expectations, feedback, and support throughout the learning process.
This document discusses using archetypes to build strong brands. It argues that while tools like brand pyramids can be useful, they often fail to capture the complex, abstract nature of brands. The document suggests that brands are better understood as stories that embody deeper values, like the archetypal characters found in myths and popular films. Seeing brands as archetypes rooted in universally familiar characters may help create brands with strong, enduring emotional resonance and meaning for consumers. Rather than focusing solely on differentiation, this approach aims to develop brands people want to be part of by appealing to deep, primal emotions.
McKonly & Asbury Webinar - Maximizing Community Impact Through EITCMcKonly & Asbury, LLP
We had another great webinar presented by Greg Lowe (Partner/COO) and Michael Eby, CPA (Tax Supervisor) with McKonly & Asbury! Thank you to everyone that attended.
We discussed Pennsylvania’s Educational Improvement Tax Credit Program and learned what this program is all about, what type of businesses can participate, and what the eligible taxes are for which the credit can be applied. We then reviewed several examples for increased understanding of the tax credit and wrapped up with instructions for how an organization can apply.
Check out our Upcoming Events page for news and updates on our future seminars and webinars.
For more information on this topic or to submit a question for Greg or Michael, use our contact page at www.macpas.com/contact or email them directly at glowe@macpas.com and meby@macpas.com.
http://www.macpas.com/webinar-recap-maximizing-community-impact-through-eitc
Robert Cade invented Gatorade in 1965 while working at the University of Florida to help replenish athletes who were losing fluids and electrolytes. It was named after the Florida Gators football team and first gained widespread popularity after its success in hydrating the Gators during the 1967 Orange Bowl. Gatorade has since become a popular sports drink used to replenish fluids and electrolytes lost through sweat during exercise or athletic performance.
International Journal of Engineering Research and Applications (IJERA) is an open access online peer reviewed international journal that publishes research and review articles in the fields of Computer Science, Neural Networks, Electrical Engineering, Software Engineering, Information Technology, Mechanical Engineering, Chemical Engineering, Plastic Engineering, Food Technology, Textile Engineering, Nano Technology & science, Power Electronics, Electronics & Communication Engineering, Computational mathematics, Image processing, Civil Engineering, Structural Engineering, Environmental Engineering, VLSI Testing & Low Power VLSI Design etc.
Készítette: Neumann János Középiskola és Kollégium 11. H osztály
A Bródy Sándor Megyei és Városi Könyvtárnak a TÁMOP 3.2.4 pályázat keretében megvalósuló Történelmi Honfoglaló Heves megyében című programsorozatának pályamunkája
The document provides a Product Disclosure Statement and Policy Wording for Vero Business Insurance. It consists of 4 parts:
1. A policy summary that outlines the different cover sections available and what they cover in 3 sentences or less.
2. Important information about the policy including cooling off periods, duty of disclosure, privacy, and making complaints.
3. Additional information for individuals or small businesses insuring vehicles or home buildings.
4. The full policy terms and conditions for each cover section, general exclusions, conditions, and definitions. It provides the details of what is and isn't covered for each section of the policy.
This document provides a summary of a business insurance policy. The policy consists of multiple cover sections that can provide insurance for business property, business interruption, theft, money, machinery, public and products liability, glass, general property, employee dishonesty, goods in transit, tax probe, legal expenses, commercial motor vehicles, and other risks. The document outlines the key details, conditions, exclusions, and claims process for the policy. It is intended to help the business owner understand what risks are covered and the process for making claims.
Session 55 IFRS 17 What to expect when you're expecting a new standardRebecca Rycroft
IFRS 17 establishes new accounting requirements for insurance contracts and will replace IFRS 4. IFRS 17 is effective for annual periods beginning on or after January 1, 2021. It impacts insurers and reinsurers in countries that use IFRS standards. Under IFRS 17, insurance contracts will be measured using a general model or a variable fee approach. The general model uses a building block approach incorporating current estimates of future cash flows, discount rates, and a risk adjustment. A contractual service margin represents unearned profit and will be recognized over the coverage period.
This document summarizes an insurance policy for commercial liability and broadform coverage. It includes details about:
- The insurer, CGU Insurance Limited, and their support of the General Insurance Code of Practice which aims to raise industry standards.
- Important notices about claims processes, exclusions, excesses, liability assumed by agreement, acceptance of applications, and notifying alterations to your business.
- Coverage provided, definitions, limitations, additional benefits, exclusions, and claims procedures.
New Uses and Benefits of Captive Insurance-Mrotek Tortorich May 20 2015Kyle Mrotek
This document provides an overview of captive insurance companies, including what they are, why businesses form them, the types of policies they can issue, and their tax benefits. A captive insurance company is formed by a business to provide insurance coverage for related entities. It allows businesses to improve risk management, access customized coverage, and potentially minimize taxes. Captives can issue various property and casualty policies, as well as "softer" policies where the insured is the business itself. Forming a captive can provide tax deductions for premiums paid and reducing taxable income through reserves. Captive ownership can also be held by a trust to facilitate wealth transfers with little to no gift tax.
This document summarizes a business insurance policy. It provides:
1) Property, business interruption, theft, money, glass, public liability, employee dishonesty, machinery, electronic, general property and taxation investigation insurance covers for a business.
2) Details the insurer as CGU Insurance Limited and describes Steadfast Group Limited's role in making this policy available.
3) Outlines the policyholder's duty of disclosure, privacy, the General Insurance Code of Practice, and dispute resolution process.
CGU Business Pack PDS (Product Disclosure Statement / Policy Wording)InsuranceRateMonitors
This document summarizes a business insurance policy. It provides:
1) Property, business interruption, theft, money, glass, public liability, employee dishonesty, machinery, electronic, general property and taxation investigation insurance covers for a business.
2) Details the insurer as CGU Insurance Limited and describes Steadfast Group Limited's role in making the policy available.
3) Outlines the policyholder's duty of disclosure, privacy, the General Insurance Code of Practice, and dispute resolution process.
Professional indemnity insurance for quantity surveyorsDilan De Silva
This document discusses professional indemnity insurance for quantity surveyors. It explains that quantity surveyors can be held liable for losses suffered by clients due to errors or negligence. Professional indemnity insurance helps manage this risk by covering damages and legal costs awarded in negligence claims. It recommends that quantity surveyors carry adequate professional indemnity coverage and maintain "run-off" coverage for several years after completing work to protect against late-emerging claims. The document also outlines what professional indemnity insurance typically covers and excludes as well as best practices for quantity surveyors to minimize their risk of negligence claims.
Aig S Mergers Acquisitions Insurance Group Tax Liability Insurance WhenAIGdocs
Tax Liability Insurance from AIG's Mergers and Acquisitions Insurance Group allows companies to reduce or eliminate contingent tax exposures from transactions where the tax treatment may be challenged. Coverage is customized and can insure against federal, state, local, or foreign tax risks up to $20 million. The insurance facilitated a $1 billion manufacturing and REIT deal by insuring 50% of the tax exposure when the IRS would not provide a private letter ruling. AIG has experienced claims specialists to efficiently handle any tax liability insurance claims.
This document provides information about Business Insurance offered by Vero Insurance, including:
- An introduction to Vero Insurance and Steadfast Group Limited.
- Details of the different coverage sections available, including Property Damage, Theft, Glass, Machinery Breakdown, Money, General Property, Management Liability, Business Interruption, Public and Products Liability, Goods in Transit, and Commercial Motor.
- Your responsibilities in terms of duty of disclosure and following the terms and conditions of the policy.
- How to make complaints and contact Vero Insurance.
This document provides information about Business Insurance offered by Vero Insurance, including:
- An introduction to Vero Insurance and Steadfast Group Limited.
- Details of the different coverage sections available, including Property Damage, Theft, Glass, Machinery Breakdown, Money, General Property, Management Liability, Business Interruption, Public and Products Liability, Goods in Transit, and Commercial Motor.
- Your responsibilities in terms of duty of disclosure and following the terms and conditions of the policy.
- How to make complaints and contact Vero Insurance.
CGU Motor Trade PDS (Product Disclosure Statement / Policy Wording)InsuranceRateMonitors
This document summarizes a motor trade insurance policy from CGU Insurance Limited. It outlines 10 sections of coverage available, including property, business interruption, theft, money, glass, broadform liability, employee dishonesty, machinery, computer systems, and general property. It provides definitions of key terms used in the policy like business, customers' vehicles, excess, flood, indemnify, market value, money, period of insurance, premium, property, proposal, rainwater, and replacement cost.
Advantage Talk - Need to Know (Contracts)Robert Munday
This document discusses the importance of understanding insurance requirements in contracts. It notes that contracts often require businesses to carry specific types and levels of insurance like professional indemnity, public and products liability, pollution liability, and cyber insurance. It advises readers to consult their insurance advisor before signing any contract to ensure they can meet the insurance specifications and requirements. It provides an example of a client who was able to sign a contract by working with their advisor to negotiate an increase in their insurance limits. The document stresses the importance of addressing insurance requirements proactively to avoid issues in the event of a claim.
Captive Insurance Group - A Risk Management Strategycaptiveinsurance
We provide our clients with unique risk management tools & support designed to help them control their costs with private insurance companies.
With extensive experience, our team of dedicated professionals can help deliver the stability and predictability you need in order to lower costs and drive profits.
With creative concepts and an intuitive grasp on our clients’ goals, we design policies that help you strengthen your position in the present and protect you as you head into the future.
Professional Liability Legal Advice Services Aig Uk In Conjunction WithAIGdocs
AIG UK, in conjunction with Kennedys law firm, provides free legal advice services to their construction professional liability clients. This includes reviewing documents like collateral warranties, novation agreements, and third party rights clauses to ensure insurance coverage is not threatened. Kennedys also provides a one hour legal advice helpline and additional commercial advice at a discounted rate. The goal is to help protect clients, save brokers time and resources, and ensure clients' peace of mind regarding their professional liability insurance.
This document outlines an annual project policy provided by MECON Insurance Pty Ltd on behalf of insurer AIG Australia Pty Ltd. It provides insurance coverage for material damage and public liability for construction projects. Key details include:
- MECON administers the policy and specializes in insurance for construction projects.
- Coverage is provided for material damage to projects under construction and public liability arising from project work.
- The policy details what is covered, exclusions, conditions, and other important policy information like duties of disclosure and cooling off periods.
This document provides the Product Disclosure Statement and Policy Wording for Commercial Motor Insurance. It outlines the key details of the policy, including contact information, what is covered, policy costs such as premiums and excesses, making claims, and general policy conditions. The policy provides comprehensive cover including cover for loss or damage to insured vehicles under Section 1 and liability cover for damage to third party property and bodily injury under Section 2. It defines important terms, sets out the agreements between the insurer and insured, and lists exclusions to the policy.
InKnowVision February 2013 HNW Technical PPT - Captive InsuranceInKnowVision
Scott Hamilton, CEO of InKnowVision, will discuss the use of captive insurance companies for estate planning, business tax planning, risk management and income tax benefits. All of these benefits can be substantial for the right company. As a CPA, attorney or financial advisor you will want to learn about captive insurance planning to help your clients reduce their tax liability, transfer more wealth out of their estate, manage risk, and much more.
This program is ideal for those who wish to reach the HNW market and those who have business clients with gross revenues of $10M and higher.
Captive insurance companies (CICs) provide significant benefits to businesses. CICs allow businesses to customize their insurance plans to better match their specific risks and needs. They also provide tax benefits as premiums paid to a CIC are fully tax deductible. Additionally, CICs can elect to receive up to $1.2 million in insurance premium income tax-free each year. Finally, CICs can be structured to provide estate planning benefits by transferring the value of the CIC to descendants without gift, estate or generation-skipping transfer taxes. In summary, CICs provide customized insurance coverage, tax benefits, and potential estate planning advantages for businesses.
This document provides frequently asked questions (FAQs) about first4cover home insurance. It covers questions about who first4cover is, the types of insurance products available, how to get quotes, policy coverage details, documentation, payments, commissions, claims support and more. The FAQs are organized into sections corresponding to the stages of the insurance process from getting quotes to after-sale support.
This document summarizes key aspects of privacy law as it relates to insurance claims in Canada, specifically the Personal Information Protection and Electronic Documents Act (PIPEDA). It discusses PIPEDA's requirements around consent for collection and disclosure of personal information. It also reviews exceptions to the consent requirement, including for video surveillance in insurance claims investigations. Case law on the admissibility of video evidence and individuals' rights to access their personal information in insurance claims files is also summarized.
The document provides guidance on explanatory statements that must accompany offers of settlement from insurers to claimants who are unrepresented by lawyers, as required by law. The statement must highlight that accepting the settlement finalizes the claim and precludes further claims or payments related to injuries from the accident. It should also advise claimants with concerns about the settlement to contact the insurer or seek independent legal advice.
This document is a health insurance claim form for Blue Cross Blue Shield of Illinois. It provides instructions for completing the form to submit a claim for health insurance reimbursement. It notes that providing false information is fraudulent. It requests information about the patient, primary policy holder, and any other applicable insurance. It also provides examples of the type of information and documentation needed for different types of medical bills to ensure proper processing and reimbursement of claims.
Legal forms software can help streamline the process of filling out legal forms for lawyers and other professionals. It contains a large database of legal forms that can be easily accessed and customized for specific cases involving areas like contracts, accidents, property, and more. Good legal forms software is developed by legal experts, keeps forms up-to-date, and provides guidance on legal points to avoid needing to constantly consult reference materials. It aims to save users time by automating routine tasks while maintaining high-quality content.
This document is an ALTA Commitment for Title Insurance that commits Blank Title Insurance Company to issue an owner's or lender's title insurance policy. It includes schedules that identify the effective date, proposed insured, property address, requirements and exceptions. The commitment is subject to its terms, conditions and the company's liability is limited to the policy amount stated. It is not a representation of clear title but rather an agreement to provide title insurance for the proposed transaction.
This document provides information about settling insurance claims after a disaster. It discusses important first steps like contacting your insurance agent or company immediately. It explains how to prepare for an adjuster's visit by gathering documentation of your losses. It also outlines what is covered by typical homeowners insurance policies, such as temporary living expenses, and what is not covered, like flood damage. The document concludes by describing the claims payment process and factors that may affect the settlement amount.
The document describes the AARP Auto Insurance Program Claim Service Guarantee from The Hartford. It provides 6 guarantees for policyholders who file a claim: 1) 24/7 claim reporting, 2) explanation of claim process from a specialist, 3) guaranteed repairs, 4) replacement of a totaled new car within 15 months, 5) payment within 2 business days of agreement on loss amount, and 6) escalation of problems to an expert. It encourages policyholders to call right away to report claims for quick service.
This document summarizes the results of a multivariate analysis conducted on survey data about small business information needs in Canada. The analysis explored relationships between businesses' perceptions of challenges, information sources, and types of information needed, as well as objective business characteristics, and three dependent variables: the adequacy of current information sources, the level of active information seeking, and the level of internet use. Key findings include that perceptions of the importance of government sources and information on the industry/sector were most significant in predicting information seeking behavior. Rural businesses and those in Western Canada showed lower levels of seeking and internet use.
This document provides an overview of the OSHA website at www.osha.gov. It explains that the website provides employers and employees with guidance on OSHA regulations, compliance assistance, and identifying and controlling workplace hazards. It also outlines OSHA's role in assuring safe working conditions and describes cooperative programs like on-site consultation that provide employers with assistance. Additionally, the document emphasizes that safety and health adds value to businesses by reducing costs from injuries and increasing productivity.
This document provides information and a worksheet to help Medicare beneficiaries choose a Medicare prescription drug plan. The worksheet guides the user in gathering personal information like medications, dosages, and preferred pharmacies. This information can then be used to compare and select a drug plan that meets the individual's needs and budget. Beneficiaries are advised to carefully consider their current coverage and consult resources like SHIIP for unbiased assistance in selecting a plan. The completed worksheet provides the details needed during enrollment.
Poughkeepsie Schools Info Poughkeepsie Schools Info Agreement Between The Boa...legal1
This document outlines an agreement between the Board of Education of the City School District of Poughkeepsie, NY and the Poughkeepsie Public School Office Personnel Association for the contract period of July 1, 2002 to June 30, 2005. It details employee recognition and representation, leave policies including sick leave and workers compensation, health insurance, salaries and differentials, grievance procedures, and other terms of employment for office personnel positions.
Sonia and her daughter Stephanie sought refuge at a women's shelter after Sonia was severely beaten by her husband John, breaking her nose and blackening her eyes. [1] Sonia filed a complaint against John for the first time. [2] Julie, an intervention worker, met with Sonia to explain the legal process after filing a complaint. [3] Sonia will likely have to testify in court, but a worker from the shelter can accompany her for support.
Kentucky Housing Corporation provides an automatic payment program for mortgage loans that is free of fees. Customers can enroll by completing an authorization form, selecting a payment date of either the 5th or 15th of the month, and including a voided check from their bank account. Once enrolled, payments will be automatically withdrawn from the customer's bank account each month on the selected date.
The document provides information about workshops and services offered by the Illinois Small Business Development Center to help small businesses. The SBDC offers one-on-one counseling, assistance with business plans and strategies, help securing loans, and workshops on topics such as starting a business, marketing, accounting and finance, legal requirements, and using technology. Workshops are available at various locations in English and Spanish and cover subjects like business plans, QuickBooks, marketing, legal entities, and using websites and email marketing.
This small business loan application is for Sandy Spring Bank. The applicant is asked to provide detailed information about their business operations, management structure, credit requests and purpose, available collateral, bank accounts, existing loans, trade references, and financial details. If approved, the loan would be used to [PURPOSE OF REQUEST]. The applicant owns [OWNERSHIP %] of the business and has been involved with it since [DATE BUSINESS FOUNDED].
This document summarizes the results of a multivariate analysis conducted on survey data about small business information needs in Canada. The analysis explored relationships between businesses' perceptions of challenges, information sources, and types of information needed, as well as objective business characteristics, and three dependent variables: the adequacy of current information sources, the level of active information seeking, and the level of internet use. Key findings include that perceptions of the importance of government sources and information on the industry/sector were most significant in predicting information seeking behavior. Rural businesses and those in Western Canada showed lower levels of seeking and internet use.
1. The document reports on a multivariate analysis of small business information needs conducted for Industry Canada. It explores relationships between subjective and objective factors of businesses and their orientations toward the government as an information provider.
2. Key findings include that perceptions of information needs being met increase with importance placed on the government as an information source. Rural firms and older, larger revenue firms also perceive information needs as being more met.
3. Factors like importance of industry associations and consultants predict higher levels of information searching, while rural location predicts lower levels.
That's a high-level three sentence summary of the key points and findings from the document.
Info Informativo Attac Org De Agosto De Attac Info Blogspotlegal1
El documento habla sobre la propuesta de una "Corte Penal Internacional contra el capitalismo" que juzgaría crímenes económicos cometidos por el FMI, Banco Mundial y grandes corporaciones. También cubre los acuerdos petroleros entre Irak y compañías occidentales como ExxonMobil y Shell, sugiriendo que el control de los recursos petroleros de Irak fue una de las principales razones para la invasión estadounidense. Además, analiza cómo la violencia y desplazamiento forzado en Colombia están ligados a la concent
Info Edge (India) Limited is India's number one online classifieds company. It operates leading online professional networking and recruitment site naukri.com, matrimonial site jeevansathi.com, and real estate classifieds site 99acres.com. In fiscal year 2007-08, Info Edge saw significant growth with total income increasing 63% to Rs. 2,396.6 million and net profit growing 105% to Rs. 554.9 million. The company increased its net worth 141.4% over five years and expanded operations to 67 offices across India and 3 international offices, maintaining strong growth and returns.
buy old yahoo accounts buy yahoo accountsSusan Laney
As a business owner, I understand the importance of having a strong online presence and leveraging various digital platforms to reach and engage with your target audience. One often overlooked yet highly valuable asset in this regard is the humble Yahoo account. While many may perceive Yahoo as a relic of the past, the truth is that these accounts still hold immense potential for businesses of all sizes.
IMPACT Silver is a pure silver zinc producer with over $260 million in revenue since 2008 and a large 100% owned 210km Mexico land package - 2024 catalysts includes new 14% grade zinc Plomosas mine and 20,000m of fully funded exploration drilling.
Best practices for project execution and deliveryCLIVE MINCHIN
A select set of project management best practices to keep your project on-track, on-cost and aligned to scope. Many firms have don't have the necessary skills, diligence, methods and oversight of their projects; this leads to slippage, higher costs and longer timeframes. Often firms have a history of projects that simply failed to move the needle. These best practices will help your firm avoid these pitfalls but they require fortitude to apply.
Recruiting in the Digital Age: A Social Media MasterclassLuanWise
In this masterclass, presented at the Global HR Summit on 5th June 2024, Luan Wise explored the essential features of social media platforms that support talent acquisition, including LinkedIn, Facebook, Instagram, X (formerly Twitter) and TikTok.
B2B payments are rapidly changing. Find out the 5 key questions you need to be asking yourself to be sure you are mastering B2B payments today. Learn more at www.BlueSnap.com.
Navigating the world of forex trading can be challenging, especially for beginners. To help you make an informed decision, we have comprehensively compared the best forex brokers in India for 2024. This article, reviewed by Top Forex Brokers Review, will cover featured award winners, the best forex brokers, featured offers, the best copy trading platforms, the best forex brokers for beginners, the best MetaTrader brokers, and recently updated reviews. We will focus on FP Markets, Black Bull, EightCap, IC Markets, and Octa.
Storytelling is an incredibly valuable tool to share data and information. To get the most impact from stories there are a number of key ingredients. These are based on science and human nature. Using these elements in a story you can deliver information impactfully, ensure action and drive change.
Company Valuation webinar series - Tuesday, 4 June 2024FelixPerez547899
This session provided an update as to the latest valuation data in the UK and then delved into a discussion on the upcoming election and the impacts on valuation. We finished, as always with a Q&A
Unveiling the Dynamic Personalities, Key Dates, and Horoscope Insights: Gemin...my Pandit
Explore the fascinating world of the Gemini Zodiac Sign. Discover the unique personality traits, key dates, and horoscope insights of Gemini individuals. Learn how their sociable, communicative nature and boundless curiosity make them the dynamic explorers of the zodiac. Dive into the duality of the Gemini sign and understand their intellectual and adventurous spirit.
Zodiac Signs and Food Preferences_ What Your Sign Says About Your Tastemy Pandit
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At Techbox Square, in Singapore, we're not just creative web designers and developers, we're the driving force behind your brand identity. Contact us today.
Understanding User Needs and Satisfying ThemAggregage
https://www.productmanagementtoday.com/frs/26903918/understanding-user-needs-and-satisfying-them
We know we want to create products which our customers find to be valuable. Whether we label it as customer-centric or product-led depends on how long we've been doing product management. There are three challenges we face when doing this. The obvious challenge is figuring out what our users need; the non-obvious challenges are in creating a shared understanding of those needs and in sensing if what we're doing is meeting those needs.
In this webinar, we won't focus on the research methods for discovering user-needs. We will focus on synthesis of the needs we discover, communication and alignment tools, and how we operationalize addressing those needs.
Industry expert Scott Sehlhorst will:
• Introduce a taxonomy for user goals with real world examples
• Present the Onion Diagram, a tool for contextualizing task-level goals
• Illustrate how customer journey maps capture activity-level and task-level goals
• Demonstrate the best approach to selection and prioritization of user-goals to address
• Highlight the crucial benchmarks, observable changes, in ensuring fulfillment of customer needs
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Every industrial revolution has created a new set of categories and a new set of players.
Multiple new technologies have emerged, but Samsara and C3.ai are only two companies which have gone public so far.
Manufacturing startups constitute the largest pipeline share of unicorns and IPO candidates in the SF Bay Area, and software startups dominate in Germany.
Authentically Social by Corey Perlman - EO Puerto Rico
Car Warranty Insurance Uk
1. quot;A Warranty Without Weasel Wordsquot; Warrantywise the UK's Best Used Car Warranty
sales: 0800 169 7880
email: info@warrantywise.co.uk
claims: 0845 293 2570 Policy
email: claims@warrantywise.co.uk
web: warrantywise.co.uk Document
Warrantywise the UK's Best Used Car Warranty
Warrantywise is a trade mark of Warranty Wise Insurance Services. All covers underwritten at Lloyd’s of
London and subject to limitations, terms and conditions; available from Warrantywise and at
www.warrantywise.co.uk. Any figures quoted are including VAT and/or IPT at the appropriate rate. The ‘UK’s
Best Car Warranty’ is an opinion held by Quentin Willson. Pictures and diagrams for illustration only.
Warrantywise is Authorised
and Regulated by the
Financial Services
Authority.
quot;A Warranty Without Weasel Wordsquot;
2. Warrantywise the UK's Best Used Car Warranty
Designing the UK’s Best Used Car Warranty Contents
Key Facts 3-4
has been quite a challenge. What is Insured 5
For years I have been saying that used Policy Policy Additions
Out of Pocket Expenses
5
9
Document
Servicing Your Vehicle 10
car warranties aren’t worth the paper How to Make a Claim 11
they’re printed on, well here’s my General Conditions 12
chance to change all that... What this Insurance does NOT cover
Definitions
14
16
Quentin Willson Important Information 18
1
quot;A Warranty Without Weasel Wordsquot; 2
3. manufacturer (within our policy HOW YOU CAN MAKE A CLAIM 2 Secondly, if you are still not number is 300482. You can check the
These are the Key Facts that the Financial Services Authority (FSA) who
conditions) or (vi) if you have made If you need to make a claim simply completely satisfied you can write FSA Register at www.fsa.gov.uk/register
regulate the insurance industry, requires that we bring to your attention. any false declaration to us in order to ring our claims office on: to the Lloyd’s Syndicate Underwriter or by telephoning the FSA on
obtain this insurance or in order to 0845 293 2570 and follow the claims at: Complaints Department, 0845 606 1234.
satisfy our claim conditions; in all procedure outlined within the policy. Cassidy Davis, Fourth Floor,
SIGNIFICANT FEATURES AND BENEFITS Limitations are: proposal and schedule to us together FINANCIAL SERVICES
cases by sending you notice in writing 50 Fenchurch Street, London, COMPENSATION SCHEME
Cover is available for ‘all’ mechanical • Damage to bodywork, paintwork, with your request in writing (by Special
(by Special or Recorded Delivery) to THE INSURERS EC3M 3JY.
and ‘all’ electrical parts of your windscreen, interior and exterior trim or Recorded Delivery to ensure we You are protected under the Financial
These facts are not the full terms and you and by refunding you the We only offer insurances underwritten
vehicle (there’s no list of parts). receive it) within 30 days of the policy 3 Then, if, for any reason your Services Compensation Scheme.
conditions, they are in the remainder including carpets and seat 100% by Cassidy Davis - Lloyd’s
start date and providing we have not balance of any remaining premium complaint has not been addressed
of this policy – but are a way in which Repairs at any VAT registered garage, coverings etc. If the insurers become insolvent or are
authorised any claims, all cover will after the deduction of our Syndicate 5820 at Lloyd’s of London. to your complete satisfaction you
you can compare insurances quickly including your local garage or main unable to meet their obligations, the
• Any consumable items replaced cancelation fee.
be cancelled and your premium ADVICE can write to: Policyholder and scheme will cover 100% of your
from one company to another and dealer. during the recommended servicing
refunded in full without any OUR ACCEPTANCE Market Assistance, Lloyd’s Market insured benefits up to £2,000 and
decide if our services are right for you of your vehicle such as: spark plugs, Warrantywise operate a non-advisory
Car hire, recovery, hotel and travel deductions. You can cancel outside Services, Lloyd’s of London, One 90% of the remainder of any claim,
– they should provide an accurate oils, fluids, filters, wiper blades, fan Once we have received your signed service and do not recommend any
expenses are included together with of this period at any time provided Lime Street, London EC3M 7HA. without any upper limit.
summary but do not form any part of belts, bulbs, brake pads and brake proposal we will issue you with a particular policy of insurance or any
90 days European cover. you have not made or attempted to
this contract of insurance. policy schedule, this confirms our policy addition or course of action to 4 Lastly, should you still remain
shoes (unless required in order to YOUR DEMANDS AND NEEDS
No ‘Weasel Words’ (Quentin Willson’s make any claim, then the remaining dissatisfied you have the right to
complete a valid claim). acceptance of your policy on risk. you.
phrase). We don’t insist on any Excess balance of your premium will be ask the Financial Ombudsman It is important that you read our
The insurers reserve the right not to
or exclude claims for Betterment, • Parts that have not suffered a refunded less our cancellation fee. FEES Information leaflet or booklet
WARRANTYWISE – THE UK’S BEST accept your proposal and to cancel Service to review your complaint.
Consequential Damage or for failure failure. In all other cases or where you are (supplied with your quotation) or the
USED CAR WARRANTY? your insurance forthwith without the We will not charge you any fee for The right to apply to the
due to Wear & Tear. • The failure of parts due to wear & paying your premiums monthly, Ombudsman must be exercised details provided on our website at:
This warranty is offered by Warranty issue of a policy schedule and to providing you with details or
tear where our additional cover cancellation is without return of any within six months of the date of any www.warrantywise.co.uk and read the
Wise Insurance Services. Quentin return to you any premiums paid information about the insurances we
SIGNIFICANT REQUIREMENTS against wear & tear has not been premium. policy document and then make
Willson, who has been instrumental in without any deduction. offer. previous decision. Please write to:
Your vehicle must have at least 3 included. The Financial Ombudsman Service, your own choice of insurance
its design, believes it to be the UK’s CANCELLATION BY US
months MOT remaining at the policy HOW LONG COVER LASTS HOW TO CONTACT US AND HOW TO South Quay Plaza, together with any policy options or
Best Used Car Warranty. It will pay • Faults which were present with the We reserve the right to cancel your
start date and must be serviced by a MAKE A COMPLAINT additions that you may require as a
towards the costs of parts and labour vehicle prior to the policy start date. Your cover will commence on the 183 Marsh Wall, London E14 9SR.
VAT registered garage as policy immediately if; (i) your vehicle 1 Firstly, if you have any questions
policy start date and will continue for vehicle owner who demands to
garage repairs following a failure of • Faults caused due to a lack of is declared an insurance category 5 At any time you can contact
recommended by the manufacturer the period of insurance confirmed in please contact Warrantywise by ensure that your vehicle warranty
an insured part of your vehicle. correct servicing, neglect or write-off or (ii) if your vehicle is stolen Quentin Willson via email at:
during the policy period. the policy schedule up to a telephoning 0800 169 7880 (or) if needs are fully met, both now and in
Provided the appropriate premium accidental damage. or (iii) if you transfer ownership of your quentinwillson@warrantywise.co.uk
maximum of three years. you have a complaint by writing to the foreseeable future in line with the
has been paid this insurance may be SIGNIFICANT EXCLUSIONS • Claims in excess of the retail value vehicle without initiating a policy the Customer Services Manager, WHO REGULATES US period of cover available and extent
extended to include other applicable AND LIMITATIONS transfer (within our policy transfer
of your vehicle. HOW TO RENEW Warrantywise Insurance Services at of insurance available from
benefits (policy additions) details of Warrantywise aim to provide you Warrantywise operate insurance
conditions) or (iv) if you change Ribble Court, 1 Mead Way,
We will write to you on or before the services as a Coverholder at Lloyd’s Warrantywise.
which are to be found within the with the highest level of cover, CANCELLATION BY YOU your address to outside of the
date of expiry of your policy advising Shuttleworth Mead Business Park, of London and are authorised and
policy and at www.warrantywise.co.uk however there are some things If having applied to Warrantywise you United Kingdom (v) if you fail to
whether or not the insurers will offer Padiham, BB12 7NG. regulated by the Financial Services
this insurance may not provide. decide that you do not want this maintain or service your vehicle as
you beneficial renewal terms. Authority (FSA). Our FSA registered
3 Importantly these Exclusions and insurance, simply return the policy, recommended by the vehicle 4
4. What is Insured • Air Conditioning System. Excess: There is no main Policy 9. RADIO, CD/DVD and SATELLITE equipment and/or diagnostic IMPORTANT the cost of repairing or replacing the Note: For a full list of exclusions
• Electrical Systems and Instruments. Excess but if You have decided to NAVIGATION techniques recommended by the We reserve the right to specify the use Vehicle's catalytic converter, following please see: What this Insurance Does
This Insurance will pay towards the • Oil Seals and Gaskets (Engine and include a voluntary excess with Your 10. TYRES Vehicle manufacturer. of a similar (like for like) replacement the exhaust gas failing to meet the NOT cover.
Repair Cost following a Failure of Your Gearbox). Policy this will be shown in Your Policy wheel with regard to the make and relevant in-service manufacturer's
Vehicle, within the Geographical Claim Limit: This Policy Addition is 4. FAILURE DUE TO WEAR & TEAR
Schedule together with Your reduced WHAT IS INSURED specification of Your wheel(s) before emissions standards or MOT emissions
Limits, during the Period of Insurance, ...all Parts, integral and attached to subject to a claims limit of £500, WHAT IS INSURED
premium. If You have selected one or more of the damage. Photographic test, subject to:
subject to the Conditions and each of the above Assemblies and including VAT, per claim (or any other This Policy Addition covers You against
the following Policy Additions (if evidence may be required in support
Exclusions herein. Parts directly associated with each Exclusions: Any Part of any Optional amount specifically noted on Your (a) The catalytic converter being Repair Costs where Failure occurs
available as a part of Your Policy) and of a claim. Any suspected criminal
Assembly's function are also included. Assembly (above) or Policy Additions Policy Schedule). found to be no longer due, solely or in part, to Wear and
You have paid the additional damage to wheels should be
PARTS COVERED (following pages) will be excluded serviceable using diagnostic
IMPORTANT premium (see Your Policy Schedule for Excess: Nil, unless You have selected reported to the police (within 48 Tear on any Part or Parts within the
This insurance is designed to enable from the Level of Cover unless You equipment and/or diagnostic
You may choose to exclude one or inclusion) You will be entitled to the a voluntary excess which will be hours) and a Police Crime Reference scope of this Policy.
you to cover all mechanical and all have selected that particular Optional techniques as recommended by
more of the Optional Assemblies additional cover, subject to the shown on Your Policy Schedule. number obtained which will be
electrical Parts of Your Vehicle. For Assembly or Policy Addition as a part the Vehicle manufacturer or Claim Limit: This Policy Addition is
listed above (please see Your Policy Conditions as set out herein. required before any valid claim can
Your convenience We have broken of Your Policy and You have paid the Exclusions: This Policy Addition does Vehicle Inspectorate. subject to the Single Claim Limit.
Schedule for details of those that are be authorised.
down a vehicle's Parts into named appropriate additional premium (see IMPORTANT not provide for the replacement of
covered). (b) The results of the failed test being Excess: Nil, unless You have
Assemblies, some of which are Your Policy Schedule for inclusion). You can choose to include any of the any Part of the air bag system where Claim Limit: This Policy Addition is
made available to Our claims selected a voluntary excess which will
optional and which You may choose ALSO INCLUDED applicable Policy Additions after the replacement is necessary due to subject to a claim limit of £1,000,
Note: For a full list of exclusions department before authorisation be shown on Your Policy Schedule.
to exclude in order to better suit Your Policy Start Date at any time within the impact, shock, accidental damage including VAT, at the maximum rate of
Consequential Damage to Parts. please see: What this Insurance Does is requested.
needs. first 30 days of this Policy, however no or the replacement of the air bag £250 per alloy wheel, including VAT Exclusions: The cover does not
Where the failure of a part, not NOT cover.
All Parts of the following selected claims will be authorised against such itself nor the air bag detonator unit or (or any other amount specifically (c) The results print out from a extend to Worn Parts which have not
included within the Level of Cover, Policy Additions during the first 30 noted on Your Policy Schedule). suffered a Failure.
Assemblies are included... under any circumstances where successful test following the
causes the Failure of a Part which is days or 1,000 miles after such deployment of the air bag has replacement is submitted to the
Included in all Policies included within the Level of Cover. Policy Additions inclusion, whichever occurs first. previously taken place.
Excess: Nil, unless You have selected
claims department with the repair
Note: For a full list of exclusions
• Engine. a voluntary excess which will be please see: What this Insurance Does
Parts Replaced in Pairs. In order to enhance the cover invoice.
• Gearbox and Transmission. Note: For a full list of exclusions Note: For a full list of exclusions shown on Your Policy Schedule. NOT cover.
This insurance also covers the provided and maintain the claim that please see: What this Insurance Does
• Clutch. please see: What this Insurance Does Claim Limit: This Policy Addition is
this is the UK's Best Used Car Warranty, Exclusions: Space saver wheels. 5. INCORRECT FUELLING
• Drive Train. following Parts, recommended by the NOT cover. NOT cover. subject to a claims limit of £500 per
We have made available the Wheels damaged due to off-road WHAT IS INSURED
• Running Gear. manufacturer to be replaced in pairs claim, including VAT (or any other
following Policy Additions. 1. AIR BAG SYSTEM 2. ALLOY WHEELS use, racing or rallying or wheels which This Policy Addition covers You against
as good engineering practice, when amount specifically noted on Your
Optional (see Policy Schedule for WHAT IS INSURED are corroded or porous, damage to the reasonable cost of:
only one Part has suffered a Failure 1. AIR BAG SYSTEM WHAT IS INSURED Policy Schedule).
inclusion) This Policy Addition covers You against stud holes and cosmetic damage.
(for example) brake discs, brake 2. ALLOY WHEELS This Policy Addition covers You against
Excess: Nil, unless You have selected (a) emptying, flushing, cleaning out
• Steering and Suspension. drums, road springs, shock absorbers. the Repair Cost of any Part of the the cost of repairing or replacing Alloy Note: For a full list of exclusions
3. CATALYTIC CONVERTER and/or unblocking of Your
• Braking System. Vehicle's air bag system due to the Wheels that have suffered accidental a voluntary excess which will be
4. FAILURE DUE TO WEAR AND TEAR please see: What this Insurance Does Vehicle's: fuel tank, fuel lines,
Claim Limit: You are Indemnified Failure of a Part causing the shown on Your Schedule.
• Fuel System 5. INCORRECT FUELLING rim damage (kerbed) including the NOT cover.
against reasonable Repair Costs up filters, lift pump, accumulator,
• Cooling and Heating System. activation of the air bag warning reasonable costs of fitting and
to the Single Claim Limit and within 6. KEYS and LOCKS Exclusions: Accidental damage to, regulator and fuel return system,
system where a Part of the air bag balancing of the wheel during normal 3. CATALYTIC CONVERTER
the Sum Insured (including VAT). 7. LABOUR RATES or corrosion of the catalyst. including the disposing of wasted
system is found to be no longer everyday on the road driving, WHAT IS INSURED
8. MOT FAILURE contaminated fuel,
5 serviceable using diagnostic rendering the wheel un-roadworthy. This Policy Addition covers You against 6
5. (b) cleaning, repairing or replacing IMPORTANT the Labour rate selected by You as including VAT (or any higher or lower BRAKES manufacturer's warranty period, defects which may block the 9. RADIO, CD/DVD PLAYER,
of Your Vehicle's injector pump Any suspected theft or criminal shown on Your Policy Schedule. amount noted on Your Policy All braking components listed within where the insured Part is subject driver's view of the road and SATELLITE NAVIGATION
and/or injectors, due to You filling damage should be reported to the Schedule). the VOSA MOT Test Schedule, but to a manufacturer's recall glazing generally; exhaust system, WHAT IS INSURED
IMPORTANT
Your Vehicle's fuel tank with police (within 48 hours) and a Police excluding brake pads and shoes. campaign; inherent catalyst and emissions (unless This Policy Addition covers You against
In the event of a valid claim being Excess: Nil, unless You have
incorrect fuel. Crime Reference number obtained manufacturer's design fault or the included under the Catalytic the Repair Costs due to the Failure of
authorised, unless You have selected a voluntary excess which will SEATBELTS
which will be required before any problem was in existence prior to Converter Policy Addition); the Radio or CD/DVD player or
Claim Limit: This Policy Addition is purchased this Policy Addition, this be shown on Your Policy Schedule. All seatbelt components listed within
valid claim can be authorised. the sale of the MOT Policy general vehicle condition; Satellite Navigation equipment
subject to a claims limit of £500, insurance will pay towards the cost of the VOSA MOT Schedule, but
Photographic evidence may be Number of Valid Claims Allowed: Addition or any other defect cracked or broken mirror glass, provided that the items were fitted to
including VAT (or any higher or lower a Repairer's Labour at the basic rate excluding cut or chewed straps and
required in support of a criminal One valid claim is allowed in any previously reported to Us. fuel leaks, registration plates and Your Vehicle by the Vehicle
amount noted on Your Policy of £35.00 per hour, including VAT. webbing.
damage claim. period of 12 months. VIN numbers together with any manufacturer as original equipment.
Schedule). 5. Vehicles which are: modified in
Note: It is important that You GENERAL serviceable items such as wiper
Claims Limit: This Policy Addition is PARTS COVERED any way from the manufacturer's
Excess: Nil, unless You have consider carefully the adequacy of All General items listed within the blades etc; loss, damage or Claim Limit: This Policy Addition is
subject to a claim limit of £500, The following Parts are covered should original specification, or include
selected a voluntary excess which will the hourly Labour rate that You may VOSA MOT Schedule. liability which is claimable under subject to a claims limit of £1,000,
including VAT (or any higher or lower they require repairing or replacing any experimental equipment
be shown on Your Policy Schedule. have decided to include within Your any other existing insurance, including VAT (or any other amount
amount noted on Your Policy during the Period of Insurance in order Exclusions: We will not pay for any whether or not supplied by the
Policy as We will not pay any more warranty or guarantee; misuse or specifically noted on Your Policy
Exclusions: This insurance does not Schedule). for a VOSA MOT Certificate (VT20) to costs caused by, arising from, or in manufacturer, owned temporarily
than the rate selected, including VAT. any kind of act or omission which Schedule).
extend to include the repair or be issued. The failed Parts must be connection with the following: or otherwise (resulting from trade-
Excess: Nil, unless You have If a Repairer charges a higher rate is wilful, unlawful or negligent.
replacement cost of any other Part(s) noted on the VOSA MOT fail in or acquisition for the purposes Excess: Nil, unless You have
selected a voluntary excess which will than the level You have selected You 1. Any of your out of pocket of resale) by a car dealer, lease 8. VAT where You are VAT registered selected a voluntary excess which will
damaged by using incorrect fuel nor certificate (VT30) which must be
be shown on Your Policy Schedule. will be responsible for the difference. expenses, including: Car Hire, company or business formed for or where Your Vehicle is registered be shown on Your Policy Schedule.
does it include the cost of disposed produced to support a valid claim.
Recovery, Hotel or Travel the purposes of servicing motor with DVLA to a VAT registered
fuel or the cost of re-fuelling. Exclusions: This cover does not Claim Limit: Single Claim Limit. Exclusions: Software faults or
Only the Parts listed under the expenses during any period Your Vehicles or used at any time for business.
extend to include any Part of the upgrades, aerials.
Note: For a full list of exclusions Excess: Nil, unless You have selected following headings as specified on Vehicle is off the road and commerce, hire or reward, or in
central (or automatic) locking system 9. Any costs incurred in excess or
please see: What this Insurance Does a voluntary excess which will be the VOSA MOT Test Schedule are undergoing MOT Failure repairs. any sort of rally, racing or any kind
or alarm mechanism and also outside of the liability under this Note: For a full list of exclusions
NOT cover. shown on Your Policy Schedule. included, any item not specifically 2. Any claim made within 90 days of competition or trial, please see: What this Insurance Does
excludes the replacement of any key Policy Option. It is Your
mentioned is not insured. of the Policy Start Date or more commercial driving or tuition. NOT cover.
6. KEYS AND LOCKS fob batteries. Exclusions: For a full list of exclusions responsibility to meet any dealer
please see: What this Insurance Does LIGHTING EQUIPMENT than 30 days before or 30 days 6. Any Vehicle over 9 years of age or Repairer charges in excess of,
WHAT IS INSURED Note: For a full list of exclusions 10. TYRES
NOT cover. All lighting equipment listed within the after the MOT due date notified or with higher than 90,000 or rejected as not being Our
This Policy Addition covers You against please see: What this Insurance Does WHAT IS INSURED
VOSA MOT Test Schedule, but on Your Policy Schedule. recorded miles at the date of liability under this insurance.
the reasonable cost of repairing or NOT cover. 8. MOT FAILURE This Policy Addition is designed to pay
replacing Your Vehicle's ignition and excluding cracked or broken glass or 3. The cost of the MOT test or the claim.
WHAT IS INSURED 10. Any advisory faults or parts noted for the cost of a tyre (or tyres) that
door keys or locks that have suffered 7. LABOUR RATES plastic lenses, bulb replacement and cost of any re-test and Labour
This Policy Addition covers You against 7. Any other repair work on the Advisory Notice have incurred accidental sidewall or
a Failure, been lost or stolen or WHAT IS INSURED headlight beam aim. and Parts necessitated by failing
the Repair Cost of insured Parts that necessitated in order to pass an accompanying a VOSA VT20 MOT tread face damage (including
suffered criminal damage. This Policy Addition covers You against a re-test. MOT test such as: corrosion of Certificate.
have failed a VOSA annual MOT test. STEERING AND SUSPENSION punctures) rendering the tyre un-
the charges for a Repairer's hourly All steering and suspension parts listed 4. Any claim where the fault, bodywork or chassis; fire, frost, roadworthy.
Note: For a full list of exclusions
Labour, in excess of the minimum Claim Limit: This Policy Addition is within the VOSA MOT Test Schedule, causing the need for repair, was impact or accident, including
please see: What this Insurance Does
£35.00 per hour, including VAT, up to subject to a claims limit of £750, but excluding wheel alignment. evident prior to the expiry of the road traffic accident; windscreen
7 NOT cover. 8
6. The cost of a tyre repair is: the 1.6 mm, this applies across the around the tyre circumference. Out of pocket Note: You must obtain appropriate for up to 90 days per annum
Servicing your Vehicle PROOF OF SERVICING - REQUIRED
reasonable cost of repair materials, central three quarters of the breadth The contribution applies to all receipts and a hire agreement from provided You accept the following: TO SUPPORT ANY CLAIM YOU MAKE
including the cost of a new valve, of tread and round the entire outer valid claims made against the
expenses - included a VAT registered car hire firm (proof The Failure and repair must be in a You are required to ensure the correct Servicing at a Franchised Main
puncture patch if necessary; plus the circumference of the tyre. You are insurance. The insurance does Should a valid claim be authorised for required). country that is a current member of servicing of Your Vehicle during the Dealer:
reasonable cost of Labour to repair fit required to pay a contribution not extend to worn out tyres any Part under the terms of this Policy, the European Union (EU). This Period of Insurance: If Your Vehicle has full main dealer
VEHICLE RECOVERY CHARGES
and balance the repaired tyre. towards the cost of tyre repair or which have not suffered damage the insurance will pay towards the insurance will not pay more than the (a) at Your own cost and expense, service history and Your Repairer is
UP TO £200
replacement depending upon the nor tyres with less than the legally following associated costs and Labour rate quoted on Your Policy from the same main dealer network
The cost of a tyre is: the reasonable If Your Vehicle needs to be (b) using only a VAT registered
extent of tyre wear as follows: required depth of tread expenses. Schedule or the equivalent United then we will accept the main dealer's
cost of an original tyre of similar make recovered, You can claim up to £200 garage or franchised main
remaining. Kingdom manufacturer's list prices for confirmation as proof of service (or) if
and quality as the damaged tyre, Between 1.6 mm and 2.0 mm of REPLACEMENT CAR HIRE UP TO £250 per claim, including VAT. dealer,
Parts at the date of any valid claim You have the details of when the last
including the cost of a new valve (but usable tyre tread depth remaining, (b) We reserve the right to specify the You can claim up to £50 a day, (c) by following the manufacturers
IMPORTANT and subject to the Sum Insured. You appropriate service was carried out,
excluding pressure sensing valves) if Your contribution = 70% use of similar (like for like) including VAT, towards the cost of a recommended service schedule
This only applies if You have stated to will have to pay the Repairer and We such as a correctly completed and
necessary; and the reasonable cost replacement tyres with regard to replacement vehicle whilst Your Own and intervals.
Between 2.0 mm and 3.0 mm of Us that You are not covered by any will pay You in Pounds Sterling at the stamped entry in Your Vehicle's
of Labour to fit and balance the new the make and specification of Vehicle is being repaired. You are
usable tyre tread depth remaining, other recovery service. Sterling rate of exchange prevailing at service book, also by a franchised
tyre. Your tyre(s) before the damage. responsible for the first 24 hours that IMPORTANT
Your contribution = 50% the date of Failure, upon receipt of a main dealer, then that will suffice.
We shall continue to provide You cannot use Your Vehicle. After Note: You must obtain appropriate We expect that all the following
Claim Limit: This Policy Addition is VAT registered Repairers invoice. No
Between 3.0 mm and 4.0 mm of cover on the repaired or this period You can claim for a receipts from a VAT registered service items (when and where
subject to a claim limit of £1,000, work should be completed without Servicing at any VAT Registered
usable tyre tread depth remaining, replaced tyre following a valid replacement vehicle for up to 5 days recovery operator (proof required). appropriate) will have been replaced:
including VAT, at the maximum rate of Our prior authorisation unless under Garage:
Your contribution = 30% claim. and a maximum of £250, including Lubricants, fluids, filters, coolant,
£250 per tyre, including VAT, during the Emergency Repairs provision If Your vehicle service book contains
OVERNIGHT HOTEL EXPENSES OR refrigerant, sparking plugs, heater
VAT. within General Conditions. a stamped entry by any other VAT
the Period of Insurance (or any other Exclusions: The following are (c) Any suspected criminal damage ONWARD TRAVEL UP TO £150 plugs, fan belts, timing belts and
amount specifically noted on Your to tyres should be reported to the registered garage then We will require
specifically excluded from the cover: IMPORTANT If You are left stranded without Your Note: You must retain copies of all tensioners. In particular We would
Policy Schedule). police (within 48 hours) and a to see a dated and detailed service
Worn tyres (generally) which have not We will only be liable for car hire Vehicle, more than 10 miles away related VAT receipts, agreements and draw Your attention to the servicing of
Police Crime Reference number VAT receipt and/or service schedule
suffered from accidental sidewall or during the reasonable period Your from Your home, You can claim up to booking forms showing precise details camshaft belts and tensioners which
Excess: Nil, unless You have selected (in either case) showing exactly which
tread face damage and/or which obtained which will be required Vehicle is off the road and £150 per claim, including VAT, can fail and cause serious engine
a voluntary excess which will be of the service provided and date, as service items were replaced and
have subsequently failed the MOT before any valid claim can be undergoing authorised repairs and towards the overnight expense of a damage which would not be
shown on Your Policy Schedule. they will be required to validate any attended to, as proof of the last
Test; tyres damaged due to; being authorised. Photographic only at the rate You have been hotel room (less subsistence) or covered without proof of service.
claim (proof required). service in question.
Replacement of damaged, worn driven under-inflated, used off-road, evidence may be required in charged within the above limits. onward travel costs by railway, bus or
tyres: Tyres have typically between in competition, on track days, pace- support of a claim. taxi for one person. IMPORTANT TIME PERIOD - WHEN YOUR VEHICLE
SERVICE PARTS
Exclusions: We will not be liable for If You believe You are likely to incur IS DUE FOR SERVICING
6mm and 8mm of tread depth when making, racing or rallying, damaged This Policy will not pay for the cost of
Note: For a full list of exclusions any replacement car hire charges in Note: You must obtain appropriate
new. The legal minimum tread depth by police stingers, damage due to any of the above expenses You You are allowed 1,000 miles either any routine replacement of any
please see: What this Insurance Does respect of; fuel or insurance, any lack receipts from a VAT registered hotel,
of the main grooves of car (and road traffic accident, spare tyres (not should notify Us at Your earliest side of the service mileage or 30 service Parts unless such Parts are
NOT cover. of availability of the correct Parts, any railway, bus or taxi firm (proof
similar tyres) in the United Kingdom on the Vehicle) including space saver opportunity as we cannot make such days either side of the time period, as required in order to complete repairs
delay Your Repairer may have in required). additions after a claim has been
and the European Community is tyres and pressure sensing valves. recommended by Your Vehicle under a valid claim. If Your vehicle is
commencing repairs or any delay validated.
USING YOUR VEHICLE ABROAD manufacturer (whichever comes first) within 30 days or 1,000 miles of its
IMPORTANT: You may have in finding a suitable
This insurance is also valid whilst Your without any further allowance.
(a) Tread depth is the smallest Repairer.
Vehicle is outside the United Kingdom
9 measurement at any point 10