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Mr S Gunawardena7 Wykeham RoadHarrowMiddlesexHA3 8LL
Mr Gunawardena, thank you for insuring yourMercedes-Benz A Class with us
You've taken out insurance until15 September 2011
16th September 2010
0844 412 2122Customer services
Mon to Fri 8am-9pm, Sat 9am-5pm
Our phone numbers
Sun 10am-4pm
24 hours a day, 7 days a week0844 412 2127If you need to make a claim
24 hours a day, 7 days a week0800 2943242Windscreen repairs
http://www.budgetinsurance.comVisit us online
Please tell us this number if you contact us118300384-01Your policy number
Welcome to quality car insurance with Budget. As well as friendlycustomer service, we also give you a 24-hour claims line, a 3 year guaranteeon all approved claims repair work, and 60 days comprehensive cover fordriving anywhere else in the European Union.
Please check your documents
What to do now...
Your Policy Payment Arrangement - tells you when we'll collectyour monthly payments from your account.Details of Cover - tells you who's insured to drive the car, and whatyou're covered for.General Policy Terms - gives you the policy wording, which togetherwith the Details of Cover and the certificate, form your contract ofinsurance.Also included is a policy summary and a customer information sheet.
Please tell us if anything is incorrect. Remember, there's no administrationfee for making changes to your policy within 14 days of the start of yourinsurance - simply call us on 0844 412 2122.
We do not need proof of your No Claims Discount. However you shouldkeep a copy of your last renewal notice, schedule or letter from your lastinsurer, as we may need to see it at a later date.
Proof of your No Claims Discount
page 1 of 16
Insurance for your Mercedes-Benz A Class
Your Policy Payment Arrangement
16th September 2010
0844 412 2122Customer services
Mon to Fri 8am-9pm, Sat 9am-5pm
Our phone numbers
Sun 10am-4pm
If you need to make a claim
0844 412 212724 hours a day, 7 days a week
Windscreen repairs
0800 294324224 hours a day, 7 days a week
http://www.budgetinsurance.comVisit us online
Your policy number
118300384-01Please tell us this number if you contact us
Miss M GunawardenaName on the card
************0704Card number
credit card
Expiry date 03/13
Please call us immediately on 0844 412 2122 if any details are incorrect or ifyou want to change your monthly payment date. If we don't hear fromyou we'll take payments from your account on or around the 21st of eachmonth. To change your monthly payment date, you must tell us at least 3days before we take the first payment.
£1175.68Total cost of your cover
The cost of your cover
Amount you've paid £88.22
to date from the credit card shown below
Amount still to pay
One monthly payment of £98.96 on or around 21 October 2010
Then 10 monthly payments of £98.85 on or around the 21st of themonth starting in November 2010 and ending in August 2011 from theaccount with the details shown below
page 3 of 16
Each monthly payment includes a £10.59 charge for paying monthly.The APR applicable is 25.9%
How we've calculated the cost of your coverYour car cover * £1002.22
£1175.68Total cost of your cover
£56.96Insurance Premium Tax at 5%,
If you cancel your policyIf you cancel your policy within 14 days of receiving your policy documents you will have to pay acancellation fee of £38 and for time on cover unless you have made a total loss claim, in which case alloutstanding payments will become due and no refund will be given.
If you cancel outside of the 14 day cooling-off period, we will charge a cancellation fee of £75 and apercentage of the total premium payable for the policy.
If you cancel while a claim is outstanding, you will have to pay the total amount of premium due beforethe claim can be settled. If you cancel after a claim has been settled you will have to pay the totalamount of premium due. In either case no refund of premiums already paid will be given.
90%
100%
100%
100%
6 months
7 months
8 months
9 months onwards
% chargedIf you cancel within...
40%
50%
60%
70%
80%
% chargedIf you cancel within...1 month
2 months
3 months
4 months
5 months
If you cancel any additional products taken out with this policy, but not the main policy within 14 days ofreceiving our policy documentation, you will pay for time on cover only. After this time, no refund will begiven. If you cancel the main policy then any additional products taken out will also be cancelled and norefund will be given for these products.
If we cancel your policy the same fees and charges will apply. Please also see the section on 'Cancellingthis insurance' contained in the General Policy Terms.
Other charges
We may charge an administration fee of £30 for certain services, for example, if you make changes toyour policy after the first 14 days.
Administration fee
If we can't collect a payment because there's not enough money in your account, we'll charge anadministration fee of £25 to resubmit a request for payment.
Failed direct debit
We charge £10 to send duplicate documents.
Duplicate documents
This Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme.
The efficiency and security of the Scheme is monitored and protected by your own Bank or Building
Society.
The Direct Debit Guarantee
If the amounts to be paid or the payment dates change, BISL Limited will notify you 10 working days in
advance of your account being debited or as otherwise agreed. If an error is made by BISL Limited or
your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of
the amount paid. You can cancel a Direct Debit at any time by writing to your Bank or Building Society.
Please also send a copy of your letter to us.
Automatic renewalWe reserve the right to automatically renew thispolicy and we will take the payment from creditcard ************0704 unless you give us otherinstructions. The credit card details overleaf will bekept on our records for that reason. We will alsokeep the information you've given us so that wehave a record if you want to make changes later on.To opt out of our automatic renewal process simplycall us on 0844 412 2122 at any time.
page 4 of 16
RefundsWe will pay any refund due to the bank account orcredit/debit card we hold on file. Refunds will onlybe made if we receive the certificate(s) of insurancewithin 30 days. The minimum amount we willrefund is £10, any refund less than £10 will not begiven.
Credit AgreementRegulated by the Consumer Credit Act 1974Creditor: BFSL Limited, Pegasus House, Bakewell Road, Orton Southgate,Peterborough, PE2 6YS ("we" "us" "our")
Customer: Mr S Gunawardena, 7 Wykeham Road, Harrow, Middlesex, HA38LL ("you" "your")
F.
E.
D.
C.
B.
A.
The APR is 25.9%.
The first instalment due will be £98.96 and allfurther monthly payments will be £98.85.
The first monthly instalment is due on 21 October2010 and further payments are due monthlythereafter on the same day each month.
The total amount payable under this Agreement is£1087.46.
The term of this Agreement is 12 months from thecommencement date of the Policy of Insurance.
The amount of credit provided under thisAgreement is £970.96.
Key Financial Information
L.
K.
J.
I.
H.
G.
Other Financial Information
In calculating the APR no account has been takenof any variation that there may be to any sumincluded in the total charge for credit. Suchvariation may occur if you request a change toyour policy.
The total charge for credit is £116.50, whichconsists wholly of interest. The interest rate is12.00% and interest will be calculated annually andapplied monthly.
Any payments made are allocated on a pro-ratabasis towards the amounts you owe.
The advance payment required is £88.22.
The cash price for the Policy of Insurance is£1059.18.
This Credit Agreement is to finance the premiumpayable for the Policy of Insurance, having Policynumber 118300384-01.
M. The charges that may apply under this Agreementare £25 for a returned direct debit payment.
Key Information
N. You do not have the right to cancel thisAgreement under the Consumer Credit Act 1974,the Timeshare Act 1992 or the Financial Services(Distance Marketing) Regulations 2004.
At 3 months £21.19At 6 months £52.96At 9 months £84.73
If you wish to settle this Agreement early theamount you will have to pay us for the credit willbe:
O.
On calculating the above, no account has been taken ofany variation and the amounts are illustrative only.
The Consumer Credit Act 1974 lays down certainrequirements for your protection which should havebeen complied with when this Agreement was made. Ifthey were not, the Creditor cannot enforce thisAgreement without getting a court order.
Important - Read This Carefully To FindOut About Your Rights
Missing payments could have severe consequences andmake obtaining credit more difficult.
Missing Payments
3.
2.
1.
If the contract is not fulfilled, perhaps because thesupplier has gone out of business, you may still beable to sue us. If you would like to know more aboutyour rights under the Act, contact either your localTrading Standards Department or your nearestCitizens' Advice Bureau.
If you received unsatisfactory goods or services paidfor under this Agreement, you may have a right tosue the Creditor, supplier, or both.
The Act also gives you a number of rights.
You can settle this Agreement at any time by givingnotice in writing and paying off the amount youowe under the Agreement which may be reducedby a rebate. Examples indicating the amount youhave to pay appear in the Agreement.
Signature of Customer
This is a Credit Agreement regulated by theConsumer Credit Act 1974. Sign it only if you wantto be legally bound by its terms.
Date of signature
Signed for and on behalf of BFSL Limited
This is an Agreement for the arrangement by BISLLimited of credit to be provided by BFSL Limited to theCustomer to finance the premium payable for thePolicy of Insurance details of which are set out aboveand in the Policy Payment Arrangements ( the Policy ).The amount advanced will be paid directly to theintermediary arranging the Policy which will makepayment to the relevant insurer.
As required by the Consumer Credit Actwe enclose 2 copies of your CreditAgreement, please sign both and keep in asafe place.
1. Accelerated PaymentAll amounts due under this Agreement shall fall dueimmediately if:1.1 the Customer fails to make any payment on the
due date or commits any breach of thisAgreement;
1.2 or any information provided by or on behalf of theCustomer in connection with this Agreement orthe Policy is incorrect.
In any of the above circumstances the Customer agreesand acknowledges that the Policy may be cancelled andthat a fee will be charged in respect of reasonableadministration costs incurred and agrees to pay all legaland other expenses incurred in obtaining payment ofany amounts due.
2.
2.1 All amounts payable under this Agreement shallremain payable regardless of any claim under thePolicy.
2.2 If the Policy is cancelled or comes to an end for anyreason the Customer will immediately pay allamounts due under this Agreement (whether ornot then payable) less any refund of premiumwhich may be received from the relevant insurerand (where applicable) a reduction for earlypayment.
Claims, Cancellation and Termination
3. Policy ProceedsYou authorise BISL Limited to i) collect, receive andotherwise obtain payment of all monies payable underyour policy whether by way of claims proceeds,premium refunds or otherwise and ii) apply suchmonies towards payment of the premium payable (tothe extent not already paid) and any other amountsdue under any agreement for the provision of credit tofinance the payment of the premium. Any balanceremaining after the payment of those amounts shall bepaid to you but you will remain responsible for anyshortfall.
4. General4.1 Any notice given to the Customer shall be deemed
correctly served if sent by post to the Customer'slast known address.
4.2 BFSL Limited may assign or transfer all or any of itsrights and/or duties under this Agreement and/orany amounts owing by the Customer, but no suchtransfer will have the effect of varying the terms ofpayment or any provision of this Agreement to theCustomer's detriment. No rights or obligations ofthe Customer under this Agreement may beassigned or transferred.
page 5 of 16
4.3 This Agreement shall be governed by andconstrued in accordance with English law.
Credit AgreementRegulated by the Consumer Credit Act 1974Creditor: BFSL Limited, Pegasus House, Bakewell Road, Orton Southgate,Peterborough, PE2 6YS ("we" "us" "our")
Customer: Mr S Gunawardena, 7 Wykeham Road, Harrow, Middlesex, HA38LL ("you" "your")
F.
E.
D.
C.
B.
A.
The APR is 25.9%.
The first instalment due will be £98.96 and allfurther monthly payments will be £98.85.
The first monthly instalment is due on 21 October2010 and further payments are due monthlythereafter on the same day each month.
The total amount payable under this Agreement is£1087.46.
The term of this Agreement is 12 months from thecommencement date of the Policy of Insurance.
The amount of credit provided under thisAgreement is £970.96.
Key Financial Information
L.
K.
J.
I.
H.
G.
Other Financial Information
In calculating the APR no account has been takenof any variation that there may be to any sumincluded in the total charge for credit. Suchvariation may occur if you request a change toyour policy.
The total charge for credit is £116.50, whichconsists wholly of interest. The interest rate is12.00% and interest will be calculated annually andapplied monthly.
Any payments made are allocated on a pro-ratabasis towards the amounts you owe.
The advance payment required is £88.22.
The cash price for the Policy of Insurance is£1059.18.
This Credit Agreement is to finance the premiumpayable for the Policy of Insurance, having Policynumber 118300384-01.
M. The charges that may apply under this Agreementare £25 for a returned direct debit payment.
Key Information
N. You do not have the right to cancel thisAgreement under the Consumer Credit Act 1974,the Timeshare Act 1992 or the Financial Services(Distance Marketing) Regulations 2004.
At 3 months £21.19At 6 months £52.96At 9 months £84.73
If you wish to settle this Agreement early theamount you will have to pay us for the credit willbe:
O.
On calculating the above, no account has been taken ofany variation and the amounts are illustrative only.
The Consumer Credit Act 1974 lays down certainrequirements for your protection which should havebeen complied with when this Agreement was made. Ifthey were not, the Creditor cannot enforce thisAgreement without getting a court order.
Important - Read This Carefully To FindOut About Your Rights
Missing payments could have severe consequences andmake obtaining credit more difficult.
Missing Payments
3.
2.
1.
If the contract is not fulfilled, perhaps because thesupplier has gone out of business, you may still beable to sue us. If you would like to know more aboutyour rights under the Act, contact either your localTrading Standards Department or your nearestCitizens' Advice Bureau.
If you received unsatisfactory goods or services paidfor under this Agreement, you may have a right tosue the Creditor, supplier, or both.
The Act also gives you a number of rights.
You can settle this Agreement at any time by givingnotice in writing and paying off the amount youowe under the Agreement which may be reducedby a rebate. Examples indicating the amount youhave to pay appear in the Agreement.
Signature of Customer
This is a Credit Agreement regulated by theConsumer Credit Act 1974. Sign it only if you wantto be legally bound by its terms.
Date of signature
Signed for and on behalf of BFSL Limited
This is an Agreement for the arrangement by BISLLimited of credit to be provided by BFSL Limited to theCustomer to finance the premium payable for thePolicy of Insurance details of which are set out aboveand in the Policy Payment Arrangements ( the Policy ).The amount advanced will be paid directly to theintermediary arranging the Policy which will makepayment to the relevant insurer.
As required by the Consumer Credit Actwe enclose 2 copies of your CreditAgreement, please sign both and keep in asafe place.
1. Accelerated PaymentAll amounts due under this Agreement shall fall dueimmediately if:1.1 the Customer fails to make any payment on the
due date or commits any breach of thisAgreement;
1.2 or any information provided by or on behalf of theCustomer in connection with this Agreement orthe Policy is incorrect.
In any of the above circumstances the Customer agreesand acknowledges that the Policy may be cancelled andthat a fee will be charged in respect of reasonableadministration costs incurred and agrees to pay all legaland other expenses incurred in obtaining payment ofany amounts due.
2.
2.1 All amounts payable under this Agreement shallremain payable regardless of any claim under thePolicy.
2.2 If the Policy is cancelled or comes to an end for anyreason the Customer will immediately pay allamounts due under this Agreement (whether ornot then payable) less any refund of premiumwhich may be received from the relevant insurerand (where applicable) a reduction for earlypayment.
Claims, Cancellation and Termination
3. Policy ProceedsYou authorise BISL Limited to i) collect, receive andotherwise obtain payment of all monies payable underyour policy whether by way of claims proceeds,premium refunds or otherwise and ii) apply suchmonies towards payment of the premium payable (tothe extent not already paid) and any other amountsdue under any agreement for the provision of credit tofinance the payment of the premium. Any balanceremaining after the payment of those amounts shall bepaid to you but you will remain responsible for anyshortfall.
4. General4.1 Any notice given to the Customer shall be deemed
correctly served if sent by post to the Customer'slast known address.
4.2 BFSL Limited may assign or transfer all or any of itsrights and/or duties under this Agreement and/orany amounts owing by the Customer, but no suchtransfer will have the effect of varying the terms ofpayment or any provision of this Agreement to theCustomer's detriment. No rights or obligations ofthe Customer under this Agreement may beassigned or transferred.
page 7 of 16
4.3 This Agreement shall be governed by andconstrued in accordance with English law.
0844 412 2122Customer services
Mon to Fri 8am-9pm, Sat 9am-5pm
Our phone numbers
Sun 10am-4pm
24 hours a day, 7 days a week0844 412 2127If you need to make a claim
24 hours a day, 7 days a week0800 2943242Windscreen repairs
http://www.budgetinsurance.comVisit us online
Please tell us this number if you contact us118300384-01
Issued by BISL Limited on behalf of CISGeneral Insurance Limited
Your policy number
The Co-operative InsuranceMiller StreetManchesterM60 0AL
Authorised and regulated by the Financial ServicesAuthority FSA Register number 435022
Insurance for your Mercedes-Benz A Class
Details of CoverYou must read this sheet as it forms your contract of insurance, togetherwith the General Policy Terms and the Certificate of Motor Insurance.
Your insurance is based on the information you gave us, as shown on thefront and back of this page. Please check all details carefully as they formthe basis of your contract with your insurer. If any details are incorrect ormissing, you may have no insurance. To correct any of your details or tellus about changes please call us straight away on 0844 412 2122.
Remember, there's no charge for any changes you make to your cover inthe first 14 days. So if you want to add anything, just call us on 0844 4122122.
Summary of coverCover type Fully Comprehensive
16 September 2010 at 15:32 to 15 September 2011 at24:00
Period of cover
2001 Mercedes-Benz A Class 140 Classic 1397cc 5drThe car
Registration LR51GHK
Regular Driver Mr Sisira Gunawardena
Miss Mallawa GunawardenaNamed driver
7 Wykeham Road, Harrow, Middlesex, HA3 8LL
Mr S GunawardenaPolicyholder
Risk address
7 Wykeham Road, Harrow, Middlesex, HA3 8LLPostal address
Home 0208 3578962 Work 0208 3578962 Phone numbers
What else is includedMotor legal protection
Guaranteed Replacement Car
Breakdown cover
Keycare
page 9 of 16
Please check thesedetails carefully
Your Demands and NeedsThis policy is designed to meet the demands andneeds of customers who wish to insure their motorvehicle against the risks that they have selected tocover, for example third party risks only, third partyfire and theft, or comprehensive cover, as well asany additional services chosen. We have notprovided advice on whether the policy is suitable foryour needs or made any recommendations.
your chosen level of cover - Comprehensive
A summary of the benefits and exclusions of yourpolicy can be found in your policy summary. The fullterms and conditions are also included within yourdocumentation.
About the car
estimated annual mileage - up to 4000
where is the car parked overnight - Drive
has this car been modified in any way - No
anti-theft devices confirmed - Approved alarm andimmobiliser - Confirmed
purchase date - September 2010
left hand drive - No
This car is insured while being used for social, domesticand pleasure purposes only. There will be no cover ifthe car is used for commuting between home andwork, for racing, speed trials or rallies or for any businesspurpose or any use for hire or reward. There will also beno cover if this car is used in connection with the motortrade. Any cover you have for loss or damage to yourcar continues while the car is being serviced by amember of the motor trade or being parked by anemployee of a hotel or restaurant.
About Mr S Gunawardena,regular driver
born 03 November 1955
marital status - Married
driver's licence - Full UK Licence - Less Than 9 Years
car insurance cancelled or renewal declined in thelast 5 years - No
other car(s) available - Yes
status - Employed
occupation - Customer Advisor
employer's business - Banking
illness or infirmity - None
claims/losses - None
convictions - None
Current NCD entitlement: 8 years. Your no claimsdiscount is protected and will not be affected by thefirst 2 claims in any three year period of cover. If we payor are notified of a third or subsequent claim within thethree-year period your discount will be reduced inaccordance with our scale. Claims which are just forwindow glass or emergency treatment as defined in theRoad Traffic Acts or Orders are not counted. We will
issue your proof of no claims discount as long as youhave paid all the premiums you owe us.
Miss M Gunawardena, nameddriver
born 28 October 1987
drivers licence - Full UK Licence - Less Than 9 Years
occupation - Sales Assistant
illness or infirmity - None
claims/losses - None
convictions - None
We will at our option either pay for this car to berepaired by a repairer of our choice or pay you themarket value of the car. We will also pay reasonablecosts for the protection, removal and storage of the carand delivery after repair to your home address. Wemay use warranted replacement parts which are notsupplied by the manufacturer of the car. If suitablereplacement parts are not available we will pay themanufacturer's last list price.
Car and contents cover
We will pay for the loss of or damage to accessories ofthis car when fitted to the car or stored in your privategarage excluding trailers and any sound equipment.
We will pay for the loss of or damage to personaleffects in this car, excluding money or goods otherwiseinsured, up to a maximum of £100 per incident.
If the sound equipment fitted to this car is lost ordamaged we will at our option either replace it withequipment to the standard normally fitted by themanufacturer or pay you what we would pay for suchreplacement. The most we will pay is £500 less anyexcess which applies.
This insurance also applies to any courtesy car ourapproved repairers provide to you while any damage toyour car is being repaired. If you make a claim for loss ordamage to the courtesy car you will be required to paythe excesses as shown below. All other terms,exceptions and conditions of your insurance remain thesame. If you still have the courtesy car when yourinsurance expires, you must renew it to remain insuredon the courtesy car.
The excess for claims under this section will be:In respect of Sound Equipment - £100In respect of window glass only - £75In respect of all other claims - £150
plus the greatest of the following amounts which apply
Where at the time of the incident the driver:
is under 25 years of age - £200
wear and tear or depreciation.mechanical, electrical, electronic or computerfailures or breakdowns.
1)2)
3)
4)
5)
damage caused by the process of cleaning,modification, repairing or restoring or by anygradually operating cause.damage to tyres caused by punctures, cuts orbursts.costs resulting from loss of use.
that part of the cost of repair or replacementwhich improves the insured property beyond itscondition immediately before the loss or damageincurred.
6)
7) incidents occurring outside the United Kingdomwhere the trip extends beyond 60 days durationor outside the European Union (EU) unlessextended cover for such use is arranged in advanceand the premium for such an extension is paid.
8) reduction in the value of this car following repair.
any loss arising in connection with any fraud ordeception.
9)
10) loss of or damage to the car which arises as a resultof any agreement or transaction involving the car.
11) loss or damage resulting from your car being takenwithout your permission by a member of yourfamily, or anyone who normally lives with you.
Driver and passenger cover
We will pay medical expenses up to £200 for eachperson who suffers any injury arising from an accidentwhile the person is in this car.
We will pay £5,000 in respect of either the RegularDriver or the Regular Driver's spouse or both if theysuffer accidental bodily injury while travelling in, orgetting out of any private car and such injury results indeath, the total and irrecoverable loss of sight of one orboth eyes, or the permanent loss of use of one or morehands or feet.
1)
2)
3)
4)5)
6)
7)
death, loss of sight or loss of use of limbs notoccurring within three months of the accident.more than £5,000 for a single claim and more than£5,000 per yearmore than £5,000 for the Regular Driver and / orthe Regular Driver's spouse.intentional self-injury or suicide.death or injury following an accident when amember of your household was driving under theinfluence of drugs or alcohol to an extent whichwould constitute an offence under the laws of thecountry in which the accident occurred.death or injury arising wholly or in part from anynatural or inherent disease or medical condition. persons 75 years of age and over.
These amounts will not be payable in respect of:
We will pay for any emergency treatment for injuriesarising out of the use of this car
If you are charged with an offence or face a civil lawsuityou should contact us. If the incident could lead to aclaim against this policy we may take over the legalcosts.
page 10 of 16
For your protection, we reserve the right toautomatically renew this policy. If we do not receiveyour instructions to cancel this policy from the renewaldate, we may, at our option, renew the insurance coverunder this policy. You will then be liable for anypremiums that fall due. You may opt out of theautomatic renewal process at any time by contactingour Customer Services helpline.
Automatic renewal
You must read this sheet as it forms your contract of insurance, togetherwith the Details of Cover and the Certificate of Motor Insurance.
General Policy TermsInsurance for your Mercedes-Benz A Class
Your policy number
118300384-01These terms contain important information aboutyour policy number 118300384-01 and what itcovers. If you break any of these terms, the coverfor your Mercedes-Benz A Class may becomeinvalid.
The cover described below is included in all of ourpolicies for cars in use on the road. Any additionalcover which applies to this vehicle is described in aseparate document called .These documents together with the
and any later amendments formthe contract of insurance
Issued by BISL Limited on behalf of CIS GeneralInsurance Limited
DefinitionsCertain words are defined below. These words have thesame meaning whenever they appear.
Car The car specified in this policy by make, model andregistration.
Policy The contract of insurance which consists of thisdocument headed General Policy Terms, togetherwith the Details of Coverand the Certificate ofMotor Insurance with the same policy number and anysubsequent amendments.
Regular driverThe person named as such in the"Details of Cover" who we were told is the person whodrives the car the most often.
We/us/our The insurer named above acting directlyor through our authorised agents BISL Limited.
You/your/policyholderThe person named as thePolicyholder in the Details of Cover.
Risk address The address where the car is normallykept overnight.
Your obligations as the policy holderFailure to comply with any of the following conditionsmay invalidate your cover.
Amending this insuranceIf you wish to make a change to this policy simply informus of the change you wish to make. If we agree to thechange, we will also agree on the effective date of thechange and no period of notice is required
You must ensure that:the car is kept in a roadworthy condition.all reasonable steps are taken to safeguard the caragainst loss or damage.the car is locked, windows and other openings areclosed, any required security devices are activatedand all keys and keyless entry system devices areremoved when it is left unattended.we are supplied with true and completeinformation about the car and the insured driversand any incident of loss or damage which mayinvolve us as your insurers.all reasonable requests made by us are compliedwith.the police are notified within 48 hours of you or theRegular Driver becoming aware of any incidentinvolving theft, attempted theft, or maliciousdamage and a crime reference number is obtained.no costs are incurred and no admission of liability,offer or settlement is made to a third party withoutour consent.the car has a current MOT certificate if applicable.
1.11.2
1.3
1.4
1.5
1.6
1.7
1.8
2.1
2.2
a change of address for where the car is normallykept overnight (the risk address).you or the Regular Driver becoming aware of anyaccident or loss involving this car or of any otherincident which may lead to a claim by you or by athird party.
The amount payable in respect of accidental death orinjury is unlimited. In no circumstances will the totalamount payable in respect of loss of or damage toproperty resulting from any one claim or number ofclaims arising from one cause and insured under thissection exceed £20 million.
accidental death of or injury to persons andloss of or damage to property caused by or arisingout of the use of this car or the towing by this carof any trailer or disabled vehicle (other than forreward) in the United Kingdom.
(i)(ii)
Liability to third partiesWe will pay any amounts, up to the limits set out below,for which the Regular Driver is legally liable as a result of:
1
2
3
4
5
any person who is permitted to drive this car asshown in the 'Details of Cover' and who is using thecar with your consent.any passenger travelling in, or getting into or out ofthis car.any person using this car with your permission butnot driving.The legal representative of anyone entitled to becovered in respect of the liability incurred, if thatperson dies.If this car is insured for business use and theaccident is on a road or public place as defined inthe Road Traffic Acts or Orders, we will pay anyamount for which the employer or business partnerof the Regular Driver or the Regular Driver's spousebecomes legally liable as a result of the use of thiscar by the Regular Driver or the Regular Driver'sspouse in the course of their business oremployment.
Cover for other partiesWe will provide the same cover to:
Cover for using the car in EuropeThis policy provides the compulsory Third Party Liabilityinsurance required to use this car in the EuropeanUnion. You do not even need a 'Green Card', yourCertificate of Motor Insurance is enough proof ofinsurance within the EU. By law as a result of EC and EUdirectives, we must extend this cover to many othercountries. Before travelling outside the EU you areadvised to contact us to make sure that you arecovered.
Drive other cars extensionThe cover for Liability to Third Parties section of thispolicy is extended to the Regular Driver when drivingother cars not owned by the Regular Driver only if thisextension is shown on the current Certificate of MotorInsurance. This cover will not apply if you no longer haveyour car or if it has been damaged beyond economicalrepair.
page 11 of 16
General exclusionsThis policy does not insure:
i)
ii)
arising while the vehicle is being used other than forthe purposes shown in your Certificate of MotorInsurancedeliberately caused by any person entitled to becovered under this policy or any person acting ontheir behalf.
1.2
1.3
not covered by your Certificate of MotorInsurance and/orwho does not hold or comply with theconditions of a valid licence to drive such avehicle in the country and at the time of theincident other than any holder of a foreigndriver's licence who is specifically named as apermitted driver on this policy
loss, damage, destruction, injury or liability:arising while the car is being driven by any person
11.1
arising from any incident occurring in any period inwhich any premium or any instalment in paymentof any premium is unpaid and overduecaused by the radioactive, toxic, explosive or otherhazardous properties of any explosive nuclearassembly or nuclear component or of any nuclearfuel or any nuclear wastecaused directly or indirectly by war, invasion, act ofenemy hostilities (whether war be declared or not),civil war, rebellion, revolution, insurrection ormilitary or usurped power other than to meet therequirements of the Road Traffic Acts or Orders
1.4
1.5
1.6
1.7
1.8
resulting from confiscation, nationalisation,requisition or destruction of or damage to propertyby or under the order of any government or publicor legal authoritycaused by riot, civil commotion or any act ofterrorism occurring elsewhere than in England,Scotland, Wales, the Isle of Man or the ChannelIslands
2
3
liability arising from any agreement or contractunless that liability would have existed otherwiseany losses that are not directly associated with theincident that caused you to claim, unless expresslystated in this policy.
1 the loss or damage to the car which is legally held tohave caused death, injury or damage in the incidentfor which the person responsible for the damage isclaiming the protection of this policy.
Third Party ExclusionsLiability to Third Parties cover does not insure:
the loss of or damage to property belonging to orheld in trust by or in the custody or control of theperson responsible for the damage and who isclaiming the protection of this policy.
2
3 the liability of any person who is entitled toequivalent protection under any other contract ofinsurance.any liability arising from the use of the car in thatpart of an airport or aerodrome provided for thetake-off and landing of aircraft or for themovement or parking of aircraft on the ground.
4
5 any liability arising from pollution or contaminationunless the pollution or contamination is directlycaused by a sudden identifiable unintended andunexpected incident which occurs in its entirety in aspecific time and place during the period ofinsurance. This exception will not apply where suchcover is necessary to meet the requirements ofcompulsory motor insurance legislation.
6
7
any liability for acts of terrorism except as isnecessary to meet the requirements of the RoadTraffic Acts or Orders.any amount above £20 million for loss of ordamage to other people's property arising out ofany claim or number of claims caused by one event.
1 take over and conduct the defence and settlementof any claim in your name or in the name of anyother person insured by your policy
Rights which we reserveWe are entitled to:
instigate proceedings at our own expense and forour own benefit but in your name or in the nameof any other person insured by your policy torecover any payment that we have made underyour policy
2
recover from you the amount of any claim that weare required to settle by law which we would nototherwise have paidpay the legal owner of the car in the event of a loss
3
4require proof of ownership and value of the insuredproperty in the event of a lossfulfil our obligation to pay for loss or damage byrepair or replacement at our option
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6
Premium payment and proceedsBy paying us the premium required by your insurer forthe period of insurance, you authorise BISL Limited to i)collect, receive and otherwise obtain payment of allmonies payable under your policy whether by way ofclaims proceeds, premium refunds or otherwise and ii)apply such monies towards payment of the premiumpayable (to the extent not already paid) and any otheramounts due under any agreement for the provision ofcredit to finance the payment of the premium and iii)hold your premium and any money received from yourinsurer whether a refund of premium from a changeyou have made or a cash settlement of a claim you havemade as an agent of your insurer.Any balance remaining after the payment of thoseamounts shall be paid to you but you will remainresponsible for any shortfall.
Fraudulent claimsIf any false, fraudulent or exaggerated claim is madeunder this policy or any fraudulent means are used toobtain any benefit under this Policy then no part of anyclaim will be paid and all cover under the Policy will beforfeited.
Other insurancesIf at the time of any incident which results in a claimunder your policy there is any other insurance in forcecovering the same liability, loss or damage, we will onlypay our share of the claim. The share to be paid by eachinsurer will be determined either by the appropriateCourt or by agreement between the insurers involved.
LawThe parties to this contract of insurance are permittedto choose the law applicable to the contract. This policyis governed by English Law and English will be thelanguage used.
Notice which we are required to give you under thispolicy will be sent to you by post to the postal addressshown in the 'Details of Cover'. The notice will begin onthe day such notice is posted.
Notice
Where a policy is cancelled a refund of part of thetotal cost of cover paid may be due. Refunds will only bepayable if the Certificate of Motor Insurance is returnedto us. Any refund due will be calculated as follows,less any deduction shown in the Policy PaymentArrangements.
If either You or We cancel your policy within 14 days ofreceipt of your policy documentation, we will refundthat part of the total cost of cover paid which relatesto the term of the policy remaining at the date ofcancellation. This amount will be refunded when wereceive the Certificate, unless you have made a total lossclaim in which case no refund will be given.
Thereafter refunds will only be given if no incident hasoccurred which has led to a claim, or may yet lead to aclaim against the policy and calculated as follows.
If either You or We cancel your policy within 12months of the Policy Start Date, we will calculate thecost for the period of cover based on our short periodrates in force when we receive the Certificate of MotorInsurance and refund any excess that you have paid.
You may cancel your policy with immediate effect bynotifying us by phone or by post. Our contact detailscan be found on the reverse of your Certificate. Wemay cancel this policy by giving you at least seven daysnotice in writing.
If you fail to disclose a material fact your policy may bevoided from the policy start date and no prior noticewill be given.
Cancelling this insurance
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Customer InformationInsurance for your Mercedes-Benz A Class
0844 412 2122Customer services
Mon to Fri 8am-9pm, Sat 9am-5pm
Our phone numbers
Sun 10am-4pmPlease call this number if you have anyquestions, or to tell us about changes
24 hours a day, 7 days a week0844 412 2127If you need to make a claim
24 hours a day, 7 days a week0800 2943242Windscreen repairs
Visit us onlinehttp://www.budgetinsurance.com
Please tell us this number if you contact us118300384-01Your policy number
Budget Insurance ServicesPo Box 1394CoventryCV1 1ZJ
Our address
Mon to Fri 8am-9pm, Sat 9am-5pm
For friends who would like a quote
0800 614073Sun 10am-4pm
We aim to provide a high level of service to all our customers but occasionallythings can go wrong, when this happens we will do everything we can to putthings right.
Service standards
If your complaint is not resolved to your satisfaction within 24 hours we will sendyou a written acknowledgment of your complaint together with the next stepswe will be taking to resolve it. If you prefer to put your complaint inwriting please send it to The Customer Relations Manager, Budget InsuranceServices, Fusion House, Bretton Way, Peterborough, PE3 8BG.
Complaints ProcedureIf you have a complaint about our service or the administration of your policy,please contact us in the first instance by phoning Customer Services on 0844 4122122 . We will aim to resolve your complaint over the phone within 24 hours.
Next Steps
In the unlikely event that your complaint remains unresolved four weeks afterbeing made, we will send you either our final response or a letter explaining whywe are not yet in a position to resolve your complaint and advise you when wewill be in contact again.
If after eight weeks of making your complaint we are still not in a position to issueyou with our final response we will send you a letter explaining the reason for thedelay and advising you of your right to complain to the Financial OmbudsmanService.
If following our final response your complaint has not been resolved to yoursatisfaction, you can refer it to The Financial Ombudsman Service South QuayPlaza, 183 Marsh Wall, London E14 9SR.
To report a claim or for claims enquiries call Claims on 0844 412 2127.Making a claim
Please make sure you have the following information when you call:date, time and description of the incident.details of any third party involved including name, address, vehicle registration.name and address of any witnesses.if the Police were in attendance, the incident reference number.
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Who regulates usBISL Limited, is authorised and regulated by theFinancial Services Authority (FSA). Our FSA Registernumber is 308896.
You can check this on the FSA's Register by visitingthe FSA's website www.fsa.gov.uk/register or bycontacting the FSA on 0845 606 1234.
Our permitted business is arranging generalinsurance contracts.
Our insurance productsWe offer products from a range of insurers for carinsurance.
Our fees and chargesCancellation feeIf either you or we cancel within 14 days ofreceiving your policy documentation we willcharge you a fee of £38. If either you or we cancelmore than 14 days after receiving your policydocumentation we will charge you a fee of £75.
Cancellation feeIf either you or we cancel within 14 days ofreceiving your policy documentation we willcharge you a fee of £38. If either you or we cancelmore than 14 days after receiving your policydocumentation we will charge you a fee of £75.
All policy amendments are subject to a £30administration fee.
Administration fee
If we need to resubmit a request for payment toyour bank you will have to pay a £25 paymentdefault fee.
Payment default fee
If you want a duplicate copy of your policydocuments you will have to pay a £10 reprint fee.
Documentation reprint fee
We are covered by the Financial ServicesCompensation Scheme (FSCS). You may beentitled to compensation from the scheme if wecannot meet our obligations. This depends on thetype of business and the circumstances of theclaim. Insurance advising and arranging is coveredfor 90% of the claim, without any upper limit. Forcompulsory classes of insurance, insurance advisingand arranging is covered for 100% of the claimwithout any upper limit. Further information aboutcompensation schemes arrangements is availablefrom the FSCS website www.fscs.org.uk or write toFinancial Services Compensation Scheme, 7th FloorChambers, Portsoken Street, London E1 8BN.
Compensation
For your protection, we reserve the right toautomatically renew this policy. If we do notreceive your instructions to cancel this policy fromthe renewal date, we may, at our option, renew theinsurance cover under this policy. You will then beliable for any premiums that fall due. You may optout of the automatic renewal process at any timeby contacting our Customer Services helpline
Automatic renewal
For mutual security calls are recorded and may bemonitored for training purposes. For the purposesof the Data Protection Act 1998 the DataController in relation to the personal data yousupply is BISL Limited
Your personal data
PLEASE READ this notice as it explains thepurposes for which we will use personal data andsensitive personal data which we hold. PLEASEshow this notice to anyone insured to drive thevehicle covered under this policy.
Data Protection Notice
Information you supply may be used for thepurpose of insurance administration, renewal andclaims handling by the insurer, its agents, reinsurersand your intermediary. In assessing any claimsmade, insurers may undertake checks againstpublicly available information such as ElectoralRegister, County Court Judgements, bankruptcy orrepossession information. Information may also beshared with other insurers either directly or viathose acting for the insurer such as Loss Adjustersor investigators.
Insurance Administration, Renewal and ClaimsHandling
In assessing your application/renewal, we maysearch files made available to us by CreditReference Agencies. They may keep a record ofthat search. We may also pass to Credit ReferenceAgencies information we hold about you and yourpayment record with us. Credit ReferenceAgencies share information with otherorganisations, enabling applications for financialproducts to be assessed or to assist the tracing ofdebtors, or to prevent fraud. We may ask CreditReference Agencies to provide a credit scoringcomputation. Credit scoring uses a number offactors to work out risks involved in anyapplication. A score is given to each factor and atotal score obtained and this together with otherfactors will be used to accept or reject yourapplication.
Credit Searches
Marketing and Market ResearchBISL Limited, which also trades as Dial Direct,Bennetts and Quote Mart and other carefullyselected companies may use your information tokeep you informed by post, telephone, email orother means of products and services which maybe of interest to you. They may also contact youto conduct market research. Your informationmay also be used for the above purposes afteryour policy has lapsed. If you do not wish yourinformation to be used for these purposes pleasewrite to the Data Protection Officer at the addressbelow.Claims & Underwriting Exchange RegisterInsurers pass information to the Claims andUnderwriting Exchange Register run by InsuranceDatabase Services Limited (IDS Ltd), the HunterDatabase, run by MCL Software Ltd and theMotor Insurance Anti Fraud and Theft Register, runby the Association of British Insurers (ABI) to helpus check information provided and also to preventfraudulent claims. When we deal with your requestfor insurance, we may search these Registers andany other relevant registers. Under the conditionsof your policy, you must tell us about any incident(such as an accident or theft) which may give riseto a claim. When you tell us about an incident, wewill pass this information to the Registers and anyother relevant registers. You can ask us for moreinformation about this.
Persons pursuing a claim in respect of a road trafficaccident (including citizens of other countries) mayalso obtain relevant information which is held onthe MID. You can find out more about this from usor at www.miic.org.uk
Your policy details will be added to the MotorInsurance Database (MID), run by the MotorInsurers' Information Centre (MIIC). MID data maybe used by the DVLA and DVLNI for the purposeof Electronic Vehicle Licensing and by the Police toestablish whether a driver's use of the vehicle islikely to be covered by a motor insurance policyand/or for preventing and detecting crime. If youare involved in an accident (in the UK or abroad),other UK insurers, The Motor Insurers' Bureau andthe MIIC may search the MID to obtain relevantpolicy information.
Motor Insurance Database
In order to assess the terms of the insurancecontract or administer claims, we will need tocollect personal data which the Data ProtectionAct 1998 defines as sensitive, such as medicalhistory or criminal convictions and we may need totransfer this data overseas. By proceeding with thiscontract, you will signify your explicit consent tosuch information being processed by the insurer orits agents.
Sensitive Personal Data
We and the other companies processing your datafor the purposes mentioned above may from timeto time need to undertake some of the processingin countries outside of the European EconomicArea which may not have laws to protect yourpersonal data, but in all cases we will ensure that itis kept securely and only used for the purposes forwhich you provided it. Details of the companiesand countries involved can be provided on request.
Overseas Transfer of Data
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Your RightsFollowing payment of a fee you are entitled torequest a copy of information we hold about you.If you have any questions or you would like to findout more about this notice please write to theData Protection Officer Pegasus House, BakewellRoad, Orton Southgate, Peterborough PE2 6YS..
Some important facts about your car insurance are summarised below. This summary does not describe all the terms
and conditions of your policy, so please take time to read the policy document to make sure you understand the cover
it provides.
Your cover is valid from 15:32 on 16 September 2010 and ends at 24:00 on 15 September 2011. This policy is
underwritten by CIS General Insurance Limited .
Standard Features - COMPREHENSIVE InsurancePolicy sectionSignificant exclusions or limitationsFeatures and benefits included automatically
Cover for loss or damage Loss or damage arising from theft whilst the ignition keys General Policy TermsIf your vehicle is stolen, damaged or destroyed. have not been removed from the vehicle.
Claims payable will be less the policy excess as stated. Details of Cover
Cover for driving abroad You must tell us before travelling outside the EU so that General Policy TermsIncludes compulsory Third Party Liability insurance required we can tell you whether cover is available and if so, anyto use the vehicle in the European Union. additional payment required.Cover also includes 60 days comprehensive cover within the General Policy TermsEU. Cover is for up to 60 days per trip.
Cover outside of the EU or for greater than 60 days may beavailable subject to individual underwriters terms andconditions and must be agreed in advance.
Legal Liability Cover is limited to £20,000,000 for damage to property. General Policy TermsFor loss or damage to other peoples property, causing injury This limit includes all costs, expenses and losses notor death to other people. directly associated with the incident that caused you to
claim.Cover for injury or death is unlimited.
Cover for car accessories Only applies to accessories fitted to the vehicle or Details of Coverstored in your private garage - excludes trailers andsound equipment.
Sound equipment cover We will either replace sound equipment to the standard Details of Covernormally fitted by the manufacturer or pay you what wewould pay for such replacement.The maximum we will pay is £500 less any excessapplicable.
Courtesy car While the car is being repaired by one of our approved Details of Coverrepairers following an accident covered by your policy.Courtesy cars are subject to availability and thesupplying garage's terms & conditions.
Personal accident When a member of your household was driving under the Details of CoverWe will pay £5000 if either the Regular Driver or Regular influence of drugs or alcohol to the extent which wouldDriver's spouse were killed or suffer loss of limb or sight constitute an offence under the laws of the country inwhile travelling in or getting out of any car. which the accident occurred.
Windscreen cover For a replacement windscreen/window you will have to pay Details of CoverRepairs are free of charge with our Glass Helpline. the first £75 of any claim, shown in your Details of Cover
as window glass excess.Losses not directly associated with the incident thatcaused you to claim.
Driving other cars Cover is restricted to Third Party Only and does not cover General Policy TermsThe Regular Driver is covered to drive other cars. cars hired under a hire purchase or lease agreement or
cars owned by the Regular Driver. Cover will not apply ifyou no longer have the insured car or if it has beendamaged beyond economical repair.
Policy Summary
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Optional BenefitsPolicy sectionSignificant exclusions or limitationsOptional Cover
No claims discount protection You must have at least 4 years no claims discount. Details of CoverWe will not reduce your no claims discount unless more than Available subject to underwriting terms and conditions.2 claims happen over a 3 year period of cover.
General ExclusionsPolicy sectionWhat is not coveredCover
Loss or damage to your car Cover is not included: Details of Cover & GeneralFor wear and tear or depreciation, mechanical, electrical, Policy Termselectronic or computer failures or breakdowns, loss ofuse, reduction in value, fraud, deception.Unless you take all reasonable steps to safeguard the caragainst loss or damage and it is locked, any requiredsecurity devices are activated and you remove all keys andkeyless entry devices.Losses not directly associated with the incident thatcaused you to claim.
Use of your car Cover will not apply if: Details of Cover &The insured car is used for any purpose not stated as Certificate of Insurancecovered on your policy.If the insured car is being driven by any person notstated as covered on the policy.
Excesses and limits Your policy may be subject to excesses, the amount you Details of Covermust pay in the event of a claim.Certain limits to a claim may also apply. Details of Cover & General
Policy Terms
Cancellation RightsYou may cancel this policy at any time by contacting customer services on the number shown in your main policy documents. If you cancel within 14 days of receivingyour policy documentation you will have to pay a cancellation fee and for time on cover, unless you have made a total loss claim, in which case all outstandingpayments will become due and no refund will be given. Outside of this you will have to pay a percentage of the total cost of cover and a cancellation fee, unless anyincident has occurred which has led to a claim or may yet lead to a claim against this policy, in which case all outstanding payments will become due and no refund willbe given. For further details on any cancellation fees and refunds due please read the 'Cancelling this insurance' and 'Policy Payment Arrangements' sections of yourmain motor vehicle policy.
ClaimsShould you wish to make a claim under your car insurance policy you should call the Claims Helpline on 0844 412 2127. You must not settle, reject, negotiate or agreeto pay any claim without our written permission. Full details of how to claim are included in the policy documentation.
Should you wish to make a claim under one of the optional policies please see the 'how to claim' section in the relevant policy terms & conditions.
ComplaintsIf you wish to register a complaint, please contact us:...by phone Telephone 0844 412 2122...in writing Write to The Customer Relations Manager, Fusion House, Bretton Way, Peterborough, PE3 8BG
If we cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service.
For full details of our complaints handling process please see the section marked 'Complaints Procedure' in your main policy documentation.
Compensation
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We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations.This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Forcompulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information about compensationscheme arrangements is available from the FSCS website www.fscs.org.uk or write to Financial Services Compensation Scheme, 7th Floor Chambers, Portsoken Street,London E1 8BN.
