The only number you will need if you have

an accident.....

0800 9 537 537

If you are unfortunate enough to have an accident then you'll
appreciate a fast response to a claim and access to experts 24 hrs a day,
365 days a year.

That's why we have introduced, for ALL Autonet Customers, a

Platinum Level claims service on: 0800 9 537 537

Experienced and qualified claims handler's on call 24/7 to ensure you

and your claim receive the very best service and attention.

Keep this number with you at all times, so that in the event of you
needing to make a claim, you can do so, quickly and easily.

Remember its: 0800 9 537 537

RN1.LET WmlDocLabel=25638322_RN1__15_05_2018

Mr F Christie
2 Mallard Close Your Ref : 2563832/2/rJ1/REN
Bishops Waltham Date : 15th. May, 2018
Southampton Tel : 03303 438 636
SO32 1LW Fax : 03303 438 506

Private Car Renewal arranged through

Covea

Dear Mr Christie

With reference to the above insurance policy, we have pleasure in confirming cover with effect
from 16th May 2018.

All documents enclosed within this letter should be checked to ensure that they meet with your
requirements. We do not require anything to be returned by you so please keep all documents
in a safe place for your future reference.

WHAT WE HAVE ENCLOSED TO BE RETAINED BY YOU

Certificate and/or Schedule - Your annual Certificate and/or Schedule of insurance.

Policy Summary & - Provides information and full policy wording in relation
Policy Booklet to the policy chosen by you.

Demands and Needs/ - Confirms the level and type of cover that you requested from
Suitability Statement us. The suitability statement confirms the recommendations
that we have made to you.

Terms of Business - This document informs you of the terms by which your policy
will be handled by us.

Statement of Fact - This document confirms all the details we have obtained from
you during your quotation.
 YOUR PREMIUM BREAKDOWN

Please find below the breakdown of the full premium payable to us: -

Insurers Premium: £331.78**

Insurance Arrangement Fee: £30.00

Premium Payable: £361.78*

(**The above insurers premiums and any discount applied, is inclusive of an Insurance Premium Tax at the current rate).
The Premium shown on insurer documentation will not take into account any discount we have applied.
If you have requested your insurance documents are sent via the post the above fee may include a £5 administration charge for
administration charge for this service.

Thank you for taking out your policy with Autonet Insurance. We take pride in providing you with a
high quality policy that is tailored to meet your needs. If you would like to contact us about any
aspect of your insurance, just call one of our friendly, expert advisors on 0330 343 8487 .
Yours sincerely

Tony Way
Director of Operations
Autonet Insurance Services Limited
Statement of Demands and Needs
Non Advised Sale/Client Status - Consumer
Personal Details
Clients Name : Mr F Christie
Address : 2 Mallard Close, Bishops Waltham, Southampton, Postcode : SO32 1LW

Product Selected
Policy Type : Private Car Insurance Company : Covea Insurance
Inception Date : 16th May 2018 Renewal Date : 16th May 2019

Insurance Cover Required

Vehicle : Kia Sportage KX-2 Crdi EST A
Registration : HK16OPX Mileage : 10000 Miles per year
Cover Type : Comprehensive Drivers : Insured and Spouse to drive
Use : Class 1 Business use

For all Excesses, Endorsements and Terms & Conditions: Please refer to your Policy Summary, Schedule, or
Policy Booklet

The policy you have chosen to purchase is based on the information you have provided, we have not given you advice as to whether
this product is suitable for meeting your specific demands and needs. You must therefore carefully read the policy and other
documentation, and particularly the section on exclusions and limitations, to determine whether this product is right for you

Additional Products
Please note all additional products provide important benefits which are not covered under your Private Car
Insurance. Listed below are the additional products you have chosen to purchase.

Motor Legal Expenses : No - Not Included Gadget Cover : No - Not Included

Vehicle Excess Protector : No - Not Included Replacement Car Cover : No - Not Included
Breakdown Cover : No - Not Included Personal Accident Cover : No - Not Included
Tools Cover : No - Not Included

We have not given you advice as to whether these product(s) are suitable for meeting your specific demands and needs. You must
therefore carefully read the policy and other documentation, and particularly the section on exclusions and limitations, to determine
whether these product(s) are right for you
Private Car
How we sourced your insurance cover -
Our search for a product to meet your requirements has involved a limited number of insurers.

Breakdown Cover
NOT APPLICABLE

Excess Protector Cover

NOT APPLICABLE

Replacement Van Insurance

NOT APPLICABLE

Windscreen and Glass Cover

For details on your windscreen and glass cover, please refer to your Policy Summary, Schedule or
Policy Booklet

Commercial Legal Expenses

NOT APPLICABLE

Motor Legal Expenses Cover

NOT APPLICABLE
Terms Of Business - Version 28/Term 01 You will be informed of the total price to be paid, including any fees, taxes and
charges separately from the premium, before your insurance arrangements are
1. Accepting our Terms of Business concluded. You are entitled, at any time to request information regarding any
Throughout this Terms Of Business document, references to 'we' 'us' and 'our 'are commission which we may have received as a result of placing your insurance business.
references to Autonet Insurance Services Ltd. For your own benefit and protection, or arranging your premium finance.
you should read these terms carefully as this document outlines important information
of which you should be aware. 6. Complaints and Compensation
We aim to provide you with a high level of customer service at all times, but if you
By asking us to quote for, arrange or handle your insurances, you are providing your are not satisfied, please visit http://www.autonetinsurance.co.uk/complaints for details
informed agreement to these Terms of Business. If you are unsure about any aspect of how to complain. Alternatively you can contact our Complaints Officer, at the address
of our Terms of Business or have any questions regarding our relationship with you, shown above. When dealing with your complaint, we will follow our complaint handling
please contact our Customer Services Team on 0330 3438487 or in writing to: procedures. A summary of these procedures is available on request. If you are still not
satisfied, you may be entitled to refer the matter to the Financial Ombudsman Service.
Autonet Insurance Services Ltd
Nile Street Their contact details are:
Burslem
Stoke-on-Trent Financial Ombudsman Service
Staffordshire Exchange Tower
ST6 2BA Harbour Exchange Square
London
Calls may be recorded for training, monitoring and reviewing purposes. E14 9SR
Tel:0800 023 4567
2. The Financial Conduct Authority
Autonet Insurance Services Limited is authorised and regulated by the UK Financial Or you can log on to their website: www.financial-ombudsman.org.uk
Conduct Authority (FCA). Our FCA register number is 308213. Our permitted business is
introducing, advising, arranging, dealing as an agent, assisting in the administration We are covered by the Financial Services Compensation Scheme (FSCS). You may be
and performance of general insurance contracts and credit broking in relation to entitled to compensation from the scheme if we cannot meet our obligations. This
insurance instalment facilities. You may check this on the FCA's register by visiting depends on the type of business and the circumstances of the claim. Insurance
the FCA website, www.fca.org.uk. advising and arranging is covered for 90% of the claim without any upper limit.
For compulsory classes of insurance (such as Third Party Motor or Employers
3. Our Service Liability), insurance advising and arranging is covered for 100% of the claim,
For telephone sales, our role is to advise you, and after we have assessed your without any upper limit. Further information about compensation scheme arrangements
needs, to make a suitable recommendation. For internet quotes and sales we source is available from the FSCS on 0800 678 1100 or 0207 741 4100 or www.fscs.org.uk.
and arrange products but do not offer advice or make recommendations, when arranging
your insurance. However, we may ask some questions to narrow down the selection of 7. Renewing your Policy
products on which we provide details. Where we can offer the availability of an For your protection shortly before the renewal of your policy, we will send you a
instalment facility in order to pay the insurance premium, we do not offer advice renewal invitation, which contains information on the premium due and the details
in relation to this . we hold. It is important you check the information we hold is accurate and you
inform us of any changes in your circumstances.
Brokered Products : We select Private Car, Van, Motorcycle and Tools in Van insurance
from a limited range of insurers, you may ask us for a list of the insurers we deal To ensure that we continue to offer a policy that is suitable to your needs we may
with for these products. recommend an alternative insurer at renewal. If you are happy with your renewal
quote with the insurer recommended, there may be nothing further for you to
Additional Products: For the following insurance products we only offer cover from arrange and your credit/debit card may be automatically debited for your renewal.
one insurer for each product: Vehicle Breakdown Assistance, Vehicle Excess Protector, If you are paying for your insurance by direct debit your policy may be
Motor Legal Expenses, Replacement Van, Key Protection, Windscreen and Glass Cover, automatically renewed and your revised payments may be debited from the bank
Personal Accident, Accidental Death and Gadget Insurance. Please refer to your policy account details we hold. Further details of whether or not your policy will be
summary document for details of these insurers. automatically renewed will be confirmed on your renewal invitation.

If we propose using another intermediary to help place the business, we will confirm If you do not wish us to renew your policy automatically, please inform us at any
this to you in good time before any arrangements are finalised. time up to 7 days before your renewal date. If we do not hear from you to the
contrary, we will take this as your authority to accept the renewal terms, and will
4. Handling Money accept on your behalf the policy offered. Please note that if we confirm your
We act as agents of the insurer in collecting premiums and handling refunds due to policy will not be automatically renewed, cover will cease on your renewal date
clients. Such monies are deemed to be held by the insurer(s) with which your unless you contact us beforehand to make a payment.
insurance is arranged. We will retain your debit/credit card details and bank
account details for the purpose of automatic renewals and to pay or refund other To ensure that we obtain the most competitive renewal premium we will conduct a
premiums that may become due upon changes to the policy. If you do not want us to search with credit reference agencies. A copy of this search will be left on your credit
use your credit/debit card for these purposes please contact our customer services file but this will not affect your credit rating in any way.
team on the telephone number above.
8. Cancellation of Insurances
5. Payment for Our Services You should make any request for cancellation either verbally or in writing. If your
In addition to the premiums charged by your insurer, we will also charge you the policy is cancelled within 14 days from the latter of either the start date of the policy or
following fees for arranging and handling brokered products (see section no.3, Our the date you receive your documents we will charge up to £79.95 to cover the administration
Service). These fees are non-refundable and are payable at the time of the transaction of your policy. If your policy is cancelled after the 14 day period an administration charge
to which it relates: of up to £79.95 will apply. We also charge up to £20 to process any refunds by cheque. The
terms of your policy may allow your insurers to retain the premium in full or to charge short
Service Service Charge period premiums in the event of cancellation before the policy expires. If your policy is
cancelled and you or someone else had made a claim under your policy you must pay the
Arranging your new policy* £20 rest of your premium including any outstanding payments under your credit agreement.
New policy incepted via our call centre additional £15 Please note after the 14 day period we do not provide a refund against any additional
Arranging your policy renewal* £50 products (see section no, 03, Our Service) you may have purchased. You will be required
Amendments to your policy £37.50 to pay debit balances. If you fail to settle a debit balance promptly, we will then use any
Duplicate Documents £12.50 credit/debit card details you have previously authorised us to use. We reserve the right to
Requests for personal Data £10 cancel your insurance policy in the event of your insurance premium not being paid up in
As part of our new business process, we will check your full, this includes any default on an instalment plan.
information. If we have to make any amendments to correct
your information, you'll have to pay a £14.95 administration fee £14.95 9. Ending Your Relationship With Us
Refund issued to you by credit/debit card £0 Subject to your immediate settlement of any outstanding premiums and fees, you may
Refunds issued to you by cheque £20 instruct us to stop acting for you and we will not impose a penalty. Your
Postal delivery of new policy or renewed policy documents £5 instructions must be given in writing and will take effect from the date of receipt.
Sending Correspondence Special Delivery £6.50 In circumstances where we feel that we cannot continue providing services to you,
Dishonoured Cheque £19.50 we will give you a minimum of 7 days notice. Unless otherwise agreed in writing,
Cancellation prior to policy start date £25 if our relationship ends, any transactions previously initiated will be completed
Cancellation within 14 days £50.00 according to these Terms of Business. You will be liable to pay for any
Cancellation after 14 days £79.95 transactions concluded prior to the end of our relationship and we will be
Cancellation due to failure of identification process within 14 days £79.95 entitled to retain commission received for conducting these transactions, together
with all fees charged by us for services provided.
*In addition to the new policy and renewal arrangement fees where your insurer
pays us less than 25% commission an additional fee may be levied. The monetary 10. Debt Collection Procedure
amount of any such fee will be fully disclosed to you prior to you purchasing/renewing In the event that any premium/and or fees remain outstanding to us, we will refer
the policy. In the event that your policy is cancelled a pro-rata refund of this your debt to a debt collection agency and/or the company solicitor. The debt
fee will be made. collection agency and the company solicitor may make further charges to recover
any balances outstanding.
11. Conflicts of Interest 17. Dealing with others on your behalf
Occasions can arise where we or one of our associated companies, clients or To help manage your insurance policy, subject to answering security questions,
product providers may have a potential conflict of interest with business being we will deal with you or your husband, wife or partner or any other person
transacted for you. If this happens, and we become aware that a potential conflict whom we reasonably believe will be acting for you if they call us on your
exists, we will write to you and obtain your consent before we carry out your behalf in connection with your policy or a claim relating to your policy.
instructions and we will detail the steps we will take to ensure fair treatment.
18. Sharing Information to prevent fraud
12. Your Responsibilities We may share information which we hold and which has been supplied to us in
You are responsible for providing the complete and accurate information which connection with any application for insurance using public and personal data from
insurers require in connection with any proposal for insurance cover. This is a variety of sources, including a credit reference agency, the Claims and
particularly important before taking out a policy and at renewal, but it also Underwriting Exchange register and other similar databases. The aim is to help us
applies throughout the life of a policy. Please take reasonable care to answer check the information that is given to us and to prevent fraud. This search may
all the questions honestly and to the best of your knowledge. If you don't or appear on your credit report whether or not your application proceeds. In order
misrepresent any fact which may influence the insurer`s decision to accept the to support your application we may ask for additional documentation as proof of
risk or the terms offered, your policy may be cancelled, or treated as if it your identity. Failure to provide the requested information will result in the
never existed, or your claim rejected or not fully paid. You must inform us cancellation or voidance of your policy. We reserve the right to retain your
immediately of any changes in circumstances, please do not wait until your insurance documents until the information you have provided has been verified.
renewal. It is important that you read all insurance documents issued to you
and ensure that you are aware of the cover, limits and terms that apply, as 19. Credit Checking
failure to comply with them could invalidate your policy. We and other firms involved in arranging your insurance (insurers, other intermediaries
or premium finance companies) may use public and personal data from a variety of
13. Claims Handling Arrangements sources including credit reference agencies and other organisations. The information
All claims enquiries are handled by Kindertons Accident Management, Kindertons is used to ensure that we obtain the most competitive quotation and renewal premium,
House, Marshfield Bank, Crewe CW2 8UY. To notify us of a new claim call to ascertain the most appropriate payment options for you and to help prevent fraud.
0800 9537537. You should take note of the required procedures in the event of A copy of this search will be left on your credit report, whether or not your application
a claim, which will be explained in the policy documentation. Generally, insurers proceeds, but this will not affect your credit rating in any way.
require immediate notification of a claim or circumstances which might lead to a
claim. 20. Block Transfers
In respect of some classes of insurance we may operate block insurance arrangements
14. Fraudulent and False Claims certain type with one insurer who can provide particularly competitive terms for
If you knowingly make a claim that is false or fraudulent in anyway, your policy all our customers. On occasions it will be necessary for us to transfer such blocks
will become void and no payment will be made against the claim. from one insurer to another where this is beneficial for our clients. This Terms
of Business Agreement constitutes both your acceptance that we may do this and
15. No Claims Bonus your prior request for us so to do.
If you have informed us that you are entitled to No Claims Bonus but this is not
validated with the relevant proof, your policy may be subject to an additional 21. Applicable Law
premium, it may be cancelled or be made null and void from the inception date of English law applies to your relationship with us, Similarly, unless you and your
your policy. insurer agree otherwise, English Law applies to your relationship with your
insurer and your insurance contract.
16. Use of Personal Data
We will process any personal information we obtain in the course of providing our
services to you in accordance with the Data Protection Act 1998. In administering
your insurances and where applicable arranging premium finance it will be necessary
for us to pass such information to insurers and other product or service providers
which may also provide us with business and compliance support. We may also disclose
details to relevant parties, as necessary, to comply with regulatory or legal requirements.
We may contact you or pass your details to other companies associated with us
including claims management companies in order to promote products or services
which may be of interest to you. You may be contacted for the purpose of marketing
the goods of the business, by telephone, email, letter or SMS text message. We will
not otherwise use or disclose personal information we hold without your consent.
Some of the details you may be asked to give us, such as information about offences
or medical conditions, are defined by the Act as sensitive personal data.

By giving us such information you signify your consent to it being processed by

us in arranging and administering your insurances. Subject to certain exceptions,
you will be entitled to have access to your personal and sensitive personal data
for which you will be charged a fee of £10. If at any time you wish us, or any
company associated with us, to cease processing any of the personal data or
sensitive personal data we hold, or to cease contacting you about products and
services, please write to us at the address shown above.

Customer Service Opening Times

Mon - Fri: 08:00 - 19:00

Saturday: 09:00 - 17:30 Sunday: Closed
Alternatively visit our website 24 hours a day at -
www.autonetinsurance.co.uk
 Links to Important Information

Some information relating to the optional services you have selected with your Insurance Policy are not
included within this document pack.
 Policy Underwritten by :
Covea Insurance plc
Covea Value Net Rated Infinity
Ref : A / 2563832 / 2
Policy No : 332590056181
Op : J1 | 1189 | 840 | HX | V3
PROVID.PRX | 1.62 | 15th. May, 2018 @ 13:58
c Copyright 2018 Cheshire Datasystems Limited

It is important that the whole of the panel is completed by the broker/agent prior to submission
AGENCY NAME BROKER REF. PLEASE LEAVE CLEAR
Autonet Insurance Services Ltd

Norman Place, Reading, COMMENCEMENT OF COVER PERIOD OF COVER AGENCY NUMBER

Berkshire RG1 8DA 16May2018 X 1 Year 6 mths 33259
GROSS PREMIUM QUOTED
(inc. IPT, extra benefits, W/S cover etc) If using Net Rates, also notify NET (ex IPT)
If you are in doubt about which section to complete,
please consult your agent. £331.78

STATEMENT OF INSURANCE
IMPORTANT - PLEASE READ CAREFULLY.
It is essential that you read and check the following information as it represents a record of the statements you have made and information you have given us or your Broker/Intermediary. You
must make sure that the statements set out in this Statement of Insurance are correct and notify us immediately if any are not.
1. You are under a legal obligation to take reasonable care to supply accurate and complete answers to any questions we ask of you including any questions asked in this Statement of Insurance,
over the telephone or via the internet.
2. You must also exercise reasonable care to make sure all information you supply to us is true and correct. We take into account the information you provided in this Statement of Insurance to
assess whether to offer you insurance or not and, if so, at what premium and on what terms. If you have any doubt in regard to information set out in this Statement of Insurance please ask your
insurance Broker/Intermediary.
3. Failure to ensure this Statement of Insurance is correct may:
a. result in your details being shared with fraud prevention agencies, including the police, Insurance Fraud Register, or recorded on fraud prevention databases.
b. entitle us to treat your policy as if it had never existed and we may retain the whole or part of the premium; or
c. result in different terms being applied to your policy; or
d. result in a claim not being paid in full or not being paid at all.
4. Do not assume that we will carry out any searches or contact any third party to check the answers to any of the questions in this Statement of Insurance. It remains your responsibility to check the
statements set out in this document are accurate.
5. You should keep a record (including copies of letters or e-mails) of all the information you have provided to us in respect of this insurance.
6. If any information contained in this Statement of Insurance changes after the start date of the period of insurance, please notify your Broker/Intermediary immediately as failure to do so could
result in your policy being cancelled from the date of such change in your circumstances. In such circumstances we may not be obliged to pay any claims arising after the date upon which your
change in circumstances occurred and we may refund you a pro rata proportion of your premium.

IMPORTANT NOTICE You must also complete the parts of the Statement of Insurance indicated by the highlighting thus:
1. YOUR REQUIREMENTS Please use the "tick boxes" provided to show your requirements. Your broker or agent will advise you.
a) Policy Cover b) Permitted Drivers c) Class of Use
SDP use, including commuting to
Comprehensive You only You and 1 named driver and from work
SDP use, excluding commuting
Third Party, Fire You and your spouse You and 2 named drivers to and from work
and Theft
You and your Common Law Partner You and 3 named drivers Class 1
You and your Parent(s) Class 2
On certain schemes and vehicles, driving is restricted to persons who qualify. Your broker or agent will advise. Class 3
d) Voluntary Excess e) Windscreen Cover f) Protected NCD
£250 Tick box if required Tick box if required
If cover is Comprehensive, a voluntary Usually available for extra premium if your NCD is at
excess may have been included in your
quote. Your broker or agent will advise
least 4 years. Your broker or agent will advise

2. INFORMATION ABOUT YOU Please clearly print your name and address using block capitals and use the "tick boxes" provided.
a) Title b) Surname d) Address e) Telephone
MR CHRISTIE 2 MALLARD CLOSE
BISHOPS WALTHAM Work
MRS c) First Name(s) SOUTHAMPTON
MISS Home 07912748602
FERGUS Post Code SO32 1LW
MS

f) Registered Owner and Main Driver of Vehicle g) Your Marital Status and Children
Are you the registered owner? Are you the main driver?
Married Common Law Divorced
Yes Yes Partner
Widowed Single
No No
If No enter the name of owner: If No enter the main driver's name: Please enter the number of children you have who are aged
under 17

h) About Your Home i) Credit Card j) Are you a member of a motoring

organisation?
How long have you lived at your current address? Do you have a Credit Card?

Do you live with your parent(s) in their home? Yes No Yes Yes No

Tick box(es) best describing your home: No If yes, which one?

Owner Occupied Rented
k) Smoking
House/Bungalow Lodging l) Other Vehicles
Do you smoke?
No. of other vehicles in the
Flat/Maisonette Caravan
Yes household:
Licensed Premises Boat 2
No
HMF Married Qtrs
Page 1 of 3
 Policy Underwritten by :
Covea Insurance plc
Covea Value Net Rated Infinity
Ref : A / 2563832 / 2
Policy No : 332590056181
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c Copyright 2018 Cheshire Datasystems Limited

3. INFORMATION ABOUT DRIVERS Please print clearly using block capitals. You must provide details of ALL persons likely to drive.
No of
Title Age Date of Type of Month/Year Is this Relationship to Does this driver own years
Driver Surname First Name(s) /yrs Birth UK/EU UK/EU Driving driver you OR have access to
licence another car resident
now held Test Passed married? OR have a in the
company car
UK
You 52 14Jan1966 FULL 16May1991 52

Driver 2 CHRISTIE KARA MRS 53 14Jan1965 FULL UK 16May1991 YES SPOUSE OWNER 53
Driver 3
Driver 4
4. DRIVERS OCCUPATIONS Details of any part time occupation must be included.
a) Employment Type b) Occupation and Business Type
Enter "Employed", "Self-employed", "Unemployed", e.g. "Typist Civil Service" or Typist. Solicitors etc. If unemployed
Driver "retired", or "not employed*" * e.g. student please enter driver's usual occupation
You Employee/Staff Sales Director - Engineering Consultants

Driver 2 Employee/Staff Librarian - Local Government

Driver 3
Driver 4
5. MEDICAL CONDITIONS AND DRIVING HISTORY. Please ensure all questions are answered
Have you, or has any person who may drive the vehicle:
a) any disability or illness or any condition required to be reported to the DVLA? YES NO
b) been convicted of any motoring offences, or had a fixed penalty imposed within the past 5 years? YES NO
c) been warned that prosecution for a recent offence is being considered? YES NO
d) been disqualified from driving or had a driving licence suspended or revoked? YES NO
e) had any motoring accidents or made any insurance claims within the past 5 years? YES NO
f) had motor insurance refused or withdrawn or had special terms imposed? YES NO
If "YES" give the driver's name and full details below.

ACCIDENTS/CLAIMS Date Own Fault Circumstances Accident Cat. Cost

Proposer 23Mar2016 Yes Vandalism Repairable V £0

6. DETAILS OF YOUR VEHICLE AND ITS SECURITY

Make and exact model State body type Engine Vehicle Year Value No of Registered How many Miles per
Registration of Vehicle annum will be driven
(inc. letters such as GT, GL, etc) (Saloon, Van, etc) Size Mark Make Seats
Mileage in total by any driver?
Kia Sportage KX-2 Crdi EST A Estate 1995 HK16OPX 2016 £24000 5 0 10000

Is the vehicle left hand drive YES NO Has the vehicle been altered from the maker's standard UK YES NO
specification (eg. body styling, spoilers etc). If YES, please give details below

Overnight Parking Daytime parking Is security device fitted? YES NO If YES, give details below
Locked garage At home Alarm: Factory Fitted; Immobiliser: FF Thatcham 1;
Private drive Secure car park
Street or other Street or other
Vehicle Purchase Date 01May2016

7. PREVIOUS INSURANCE HISTORY

(a) Do you hold or have you ever held motor insurance? YES NO (b) Are you claiming a No Claims Discount? YES NO
If 'YES' but you are not claiming a No Claims Discount please give reason. If 'YES' you must attach your last renewal notice.

(c) If eligible, do you require No Claims Discount Protection? YES NO

(Only available if you are entitled to an NCD representing 4 years or more)

Page 2 of 3
 Policy Underwritten by :
Covea Insurance plc
Covea Value Net Rated Infinity
Ref : A / 2563832 / 2
Policy No : 332590056181
Op : J1 | 1189 | 840 | HX | V3
PROVID.PRX | 1.62 | 15th. May, 2018 @ 13:58
c Copyright 2018 Cheshire Datasystems Limited

IMPORTANT NOTICE
How We Use Your Information
Please visit www.coveainsurance.co.uk/dataprotection for further information about how and when we process your personal information under our full
Privacy Policy.
The personal information, provided by you, is collected by or on behalf of Covea Insurance plc ('we, us, our') and may be used by us, our employees,
agents and service providers acting under our instruction for the purposes of insurance administration, underwriting, claims handling, for research or for
statistical purposes.
We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing. When the
information that we process is classed as "sensitive personal information", we must have a specific additional legal ground for such processing.
Generally, we will rely on the following legal grounds:
. It is necessary for us to process your personal information to provide your insurance policy and services. We will rely on this for activities such
as assessing your application, managing your insurance policy, handling claims and providing other services to you.
. We have an appropriate business need to process your personal information and such business need does not cause harm to you. We will
rely on this for activities such as maintaining our business records and developing, improving our products and services.
. We have a legal or regulatory obligation to use such personal information.
. We need to use such personal information to establish, exercise or defend our legal rights.
. You have provided your consent to our use of your personal information, including sensitive personal information.
How we share your information
In order to sell, manage and provide our products and services, prevent fraud and comply with legal and regulatory requirements, we may need to share
your information with the following third parties, including:
. Reinsurers, Regulators and Authorised/Statutory Bodies
. Credit reference agencies
. Fraud prevention agencies
. Crime prevention agencies, including the police
. Suppliers carrying out a service on our, or your behalf
. Product providers where you've opted to buy additional cover
. Other insurers, business partners and agents
. Other companies within the Covea Insurance Group
Motor Insurance Database
Information about your insurance policy will be added to the Motor Insurance Database (MID), managed by the Motor Insurers' Bureau (MIB). The
police, the Driver and Vehicle Licensing Agency (DVLA), the Driver and Vehicle Agency (DVA), the Insurance Fraud Bureau and certain other authorised
organisations may use the MID and the information stored on it for purposes including:
. Electronic licensing;
. Continuous insurance enforcement (to reduce the number of people driving without insurance)
. Enforcing the law (preventing, detecting, cautioning or prosecuting offenders)
. Providing government services or other services aimed at reducing the number of uninsured drivers.
If you're involved in a road traffic accident (either in the United Kingdom, the European Economic Area or certain other territories), insurers and the MIB
may search the MID for relevant information.
People (including citizens of other countries) making an insurance claim following a road traffic accident (and their appointed representatives) may also
get relevant information which is held on the MID. You can find out more about this from us, or at www.mib.org.uk.
Marketing
We will not use your information or pass it on to any other person for the purposes of marketing further products or services to you unless you have
consented to this.
Fraud Prevention and Detection
In order to prevent or detect fraud and money laundering we will check your details with various fraud prevention agencies, who may record a search.
Searches may also be made against other insurers' databases. If fraud is suspected, information will be shared with those insurers. Other users of the
fraud prevention agencies may use this information in their own decision making processes.
We may also conduct credit reference checks in certain circumstances. You can find further details in our full Privacy Policy explaining how the
information held by fraud prevention agencies may be used or in which circumstances we conduct credit reference checks and how these checks
might affect your credit rating.
Automated Decisions
We may use automated tools with decision making to assess your application for insurance and for claims handling processes, such as price rating
tools, flood, theft and subsidence area checks and credit checks.
These automated decisions will produce a result on whether we are able to offer insurance, the appropriate price for your policy or whether we can
accept your claim. If you object to an automated decision, we may not be able to offer you an insurance quotation or renewal.
How to Contact Us
Please contact us if you have any questions about our Privacy Policy or the information we hold about you:
The Data Protection Officer, Covea Insurance plc, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JX or email:
dataprotection@coveainsurance.co.uk.

Norman Place, Reading, Page 3 of 3

Berkshire, RG1 8DA
 Covea Insurance Private Car Summary
This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your policy
booklet. A copy of the policy booklet is available on request.
Your Private Car policy is the contract between you and us and includes the policy booklet, the schedule, the certificate of insurance and any
endorsements we send to you, as detailed on the first page of the policy booklet.
Significant or unusual exclusions or limitations are referenced to the policy booklet as shown in tabular format within this policy summary.
Please review your cover to ensure it is adequate for your needs.
Insurer:
This insurance policy is underwritten by Covea Insurance plc.
Type of cover:
Car insurance is designed to provide cover for your car. The level of cover available is either Third Party, Fire and Theft (TPFT) or
Comprehensive (Comp) and will only apply if you have selected them and they are shown on your schedule.
Period of cover:
The length of time covered is shown in the schedule and is for 12 months. The policy is renewable each year.

Cover Available Significant Exclusions or Limitations

Third Party Fire & Theft (TPFT) - if you are involved in an accident, - Sections 1, 2, 10 and the general exclusions and conditions
you are covered for damage you cause to other people's vehicles printed in the policy booklet apply, but cover for accidental or
or property or for injuries they sustain, in addition to this you are malicious damage in section 1 does not apply and driving
also covered for loss or damage to your own car caused by fire or other cars in section 3 does not apply.
theft. - There is no cover for 'driving other cars'.
- We will pay up to £150, to replace or repair audio equipment
permanently fitted to your car.
- Loss or damage caused by theft or attempted theft while
nobody is in your car, unless all the doors, windows and
other openings are closed and locked, the car's keys and any
other door or ignition unlocking devices such as electronic
fobs or cards are removed, and the car's electronic or
mechanical security devices are set.
- Excesses may apply and are shown on your schedule.
- Exclusions under each section of cover are in your policy
booklet.

Comprehensive (Comp) - in addition to the cover provided above, - Cover for 'driving other cars' is third party only. Loss or
you are also covered for damage your car sustains in an accident damage to the private motor car you are driving is not
and damage caused by malicious damage. covered if you are driving under this extension - your
certificate of motor insurance will confirm if you have this
cover.
- We will pay the cost of repairing or replacing audio or satellite
navigation equipment that was permanently fitted as standard
when your car was first registered. We will pay up to £750 for
permanently fitted audio and satellite navigation equipment
that was not fitted to your car when it was first registered.
- Loss or damage caused by theft or attempted theft while
nobody is in your car, unless all the doors, windows and
other openings are closed and locked, the car's keys and any
other door or ignition unlocking devices such as electronic
fobs or cards are removed, and the car's electronic or
mechanical security devices are set.
- Excesses may apply and are shown on your schedule.
- Exclusions under each section of cover are in your policy
booklet.

Page 1
For policies incepted or renewed with effect from May 2018
 Significant exclusions or limitations applicable to all policies:
- General exclusions and general conditions for all types of cover are shown in your Policy Booklet
- Your certificate of motor insurance shows who is covered to drive and limitations as to use.

Features and Benefits Significant Exclusions or Limitations Policy Section Comp TPFT

New Car Replacement - New car replacement does not apply if:
Available if your car is: . Your car is more than one year old from the date
. damaged so that the of first registration at the time of loss or damage;
cost of repair is more . you did not buy your car from new; or 1
than 55% of the maker's . a new car of the same make, model and
current list price; or specification is not available in the UK.
. stolen and not recovered.

Audio Equipment - Provides We will pay the cost of repairing or replacing audio
cover for the replacement or satellite navigation equipment that was
(including fitting) or repair permanently fitted as standard when your car was
of equipment such as first registered. We will pay up to £750 for 1
radios, speakers and CD or permanently fitted audio equipment and satellite
cassette players. navigation equipment that was not fitted to your car
when it was first registered.

If you have third party, fire and theft cover, we will

pay the cost but only up to £150 to replace or repair
1 n/a
audio or satellite navigation equipment permanently
fitted to your car.

Courtesy car - In the event A courtesy car is available if your car is repairable
of damage to your car you when using one of our approved repairers.
will be offered use of a loan Standard policy terms apply to your use of the
car whilst repairs to your car courtesy car. 1
are carried out. The courtesy car will not necessarily be equivalent
to your car's make and model.

Courtesy Car - In the event of A courtesy car is available if your car is repairable
your car being recovered when using one of our approved repairers. Standard
with fire or theft damage you policy terms apply to use of the courtesy car. 1
will be offered use of a loan The courtesy car will not necessarily be equivalent to
car whilst repairs to your car your car's make and model.
are being carried out.

Legal liability to cover other What is not covered:

people - Provides cover for . any amount over £20 million for damage to other
legal liability for the death people's property (including any related indirect
or bodily injury to any loss or damage) and any amount over £5 million
person or damage to for related legal costs and expenses as a result of
2
property. any claim, or series of claims causes by one
event; and
. loss of or damage to any vehicle or property that
belongs to, or is in the care of, any person,
company or firm claiming under this policy section.

Towing - Liability to other What is not covered:

people when your car is Loss of or damage to any trailer, caravan or vehicle
being used for towing any (or to any property in the trailer, caravan or vehicle)
single trailer or caravan or being towed by your vehicle or being towed by a
2 and
broken-down vehicle while vehicle being driven by you.
General
it is attached to your car
Conditions
and if allowed by law,
unless you are being paid
to tow the attached
vehicles.

Driving Other Cars - If the This cover applies while you still own the insured car
insurance is taken out in and you are over 25 years of age.
your name, you are
provided with Third Party This cover does not allow use to secure the release
Only cover for you to drive, of a motor vehicle, which has been seized by, or on
in the territorial limits, other behalf of, any government or public authority.
private motor cars not
3
owned by or registered to
you with the owner's
permission. What is not covered:
. Any vans, motorcycles, or any other motor vehicle
Please refer to your that is not a private motor car; and
Certificate of Insurance to . Driving any other private motor car outside the
check that you have this territorial limits as defined in your policy booklet.
cover.

Page 2
For policies incepted or renewed with effect from May 2018
 Features and Benefits Significant Exclusions or Limitations Policy Section Comp TPFT

Windscreen damage or You will have to pay the amount of any excess shown
breakage to glass in your schedule. This is reduced where you use one
Provides cover for of our recommended glass repair or replacement
accidental or malicious companies.
damage to the windscreen
or windows of your car. If you do not use one of our chosen windscreen
Cover is automatically repairers, the most we will pay under this section is
provided on £150 after deducting excesses.
Comprehensive policies.
If you claim under this policy section, your no-claim 4 Optional
discount will not be affected.

What is not covered:

.Damage to any part of a glass or plastic sunroof,
roof panel, or foldable hood of a convertible car;
and
.Damage as a result of a deliberate act by anybody
insured by this policy.

Personal belongings This does not apply to:

Personal cover for loss of or . theft or attempted theft while no-one is in the car
damage to personal unless all doors, windows and other openings on
belongings in your car the car are locked and it is broken into by force. 5
caused by a motor £250 limit
accident, fire, theft or
attempted theft.

Replacement locks What is not covered:

Provides cover up to £1,000 We will not pay this benefit if:
to replace the door and .your keys are left in or on your car at the time of
boot locks on your car if the the loss; and 6
keys are lost or stolen and
not recovered.
.you do not report the loss to the Police within 24
hours of discovering it.
.We will not pay more than your car's market value.

Uninsured driver benefit What is not covered:

You will have no excess to .We will not provide this benefit if we are unable to
pay and your no claims trace the person responsible.
bonus will not be affected if
you are involved in an 7
accident that you are not
responsible for with an
uninsured driver.

Onward travel/Overnight
accommodation
Up to £100 per person £500 8
maximum.

Child car seats There is no cover for child car seats if there is no
We will pay the cost of claim under section 1 of this policy for the same
replacing the child car seat if
accident. 9
you have a child car seat
fitted in your car and your car
is involved in an accident

Foreign travel - Full policy Your policy automatically provides the cover shown
cover in accordance with on your Schedule for a limited time, in any one
your schedule is provided period of insurance while you are using your car in
to allow your car to be used the countries referred to under features and
in: benefits, provided that:
1. Your car is taxed and registered in the United
1. any country which is a Kingdom.
member of the European 2. Your car is normally kept in the United Kingdom.
Union; and 3. You maintain a permanent home in the United
10 (limited up (limited up
Kingdom. to 90 days to 35 days
2. any other country which Permanent residents in Northern Ireland have per year) per year)
the Commission of the foreign use cover as on their Schedule which is
European Union approves extended for up to 365 days in the Republic of
as meeting the Ireland only.
requirements of Article (8)
of EC Directive 2009/103/EC
relating to Civil Liabilities
arising from the use of
motor vehicles .

Page 3
For policies incepted or renewed with effect from May 2018
 Features and Benefits Significant Exclusions or Limitations Policy Section Comp TPFT

Personal accident - Provides What is not covered:

cover up to £5,000 if you or We will not pay the benefit if the injury or death:
your husband, wife or civil . is as result of suicide or attempted suicide;
partner is accidentally killed . Happens when the person killed or injured is
or suffers an injury described under the influence of alcohol or drugs;
below while travelling in, or . Happens as a result of someone not wearing a 11
getting into or out of, your seat belt when required to do so by law; or
car or any private motor car. . Happens more than three months after the date
of the accident or is not a direct result of the
accident.
We will not pay the benefit if you are a company or
firm.

Medical expenses You must provide a receipt or invoice before we will

We will pay up to £100 in give you a refund for medical expenses.
medical expenses for each
injured person if you or 12
anyone in your car is injured
as a result of an accident
involving the insured car.

Protected no claim discount You will only lose your discount if there are more Your no-
Available on request for than two claims in any five years of insurance. claims Optional Optional
policyholders with 4 years
bonus
or more No Claim Discount.

Cancellation
If this cover does not meet your needs, please tell us or your broker. We will refund the premium for the exact number of days left on the
policy less an administration charge of £10 plus Insurance Premium Tax at the rate that applies at that time, unless you have made a claim
in which case no refund of the premium will be given and all premiums are due. We will also do this if you want to cancel the policy within
14 days after the renewal date.
The policy may be cancelled mid-term by us, your Broker or other person acting for us:
. If we have a good reason for doing so. Some examples of situations where we would have a good reason for cancelling your
policy include you not paying the premium when it is due, not providing documents we ask for (such as proof of no-claims
discount or security) or providing us with incorrect information, and failing to put this right when we ask you.
We will do this by sending you seven days written notice to your last known address (if this happens, we will refund the premium for
the exact number of days left on the policy less an administration charge of £32 plus Insurance Premium Tax at the rate that applies at
that time).
The policy may also be cancelled mid-term by you:
. by contacting us or your broker (if this happens, providing no claim has been made in the current period of insurance, you
will be entitled to a refund of premium for the exact number of days left on the policy less an administration charge of £32
plus Insurance Premium Tax at the rate that applies at that time).
How to Report a Claim
Should you wish to make a claim under your Private Car policy you should call our Claims Helpline on 0330 024 2240. This number is
open 24 hours a day, 365 days a year. It is a condition of your policy that you must report incidents to us as soon as possible and in any
case within 48 hours. You must tell us immediately if there is to be a prosecution, inquest or other court proceedings as a result of the
incident. You must not admit liability, settle, reject, negotiate or agree to pay any claim without our written permission and must send us
any letters you receive from other people involved in the incident immediately without answering them.

How do I Complain
We value the opportunity to investigate concerns you may have about our service. Covéa Insurance is committed to handling complaints
fairly, thoroughly and promptly.
For full details of our complaints procedure, please contact us. Or you can download a copy from our website at
www.coveainsurance.co.uk/about-covea-insurance/complaint.aspx
If you are not satisfied with the service we have provided, please tell us so that we can do our best to resolve the problem. You can
contact us in the following ways.
. by phone 01422 286406
. by email customer.relations@coveainsurance.co.uk
. or you can write to us Customer Relations
Covea Insurance plc
A & B Mill
Dean Clough
Halifax
West Yorkshire
HX3 5AX

You may be eligible to refer your complaint to the Financial Ombudsman Service. For further details, they can be contacted at.
Write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Phone: 0300 123 9123 from a mobile or 0800 023 4567 from a landline
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
Your legal rights are not affected if you take any of the steps shown above.
Page 4
For policies incepted or renewed with effect from May 2018
 What Happens If We Can't Meet Our Liabilities?
Covea Insurance is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if
Covéa Insurance cannot meet its obligations (e.g. if Covea Insurance plc go out of business, into liquidation or are unable to trade).

Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme
(www.fscs.org.uk, telephone number 0800 678 1100 or 0207 741 4100).

Other important information

You and we can choose the law that governs the insurance contract. Unless you and we agree differently in writing, English Law will apply.
We supply the policy documents only in the English language and with your agreement we will always communicate with you in English.
Insurance cover is provided by Covea Insurance plc. Registered in England and Wales No. 613259.
Registered office: Norman Place, Reading, Berkshire RG1 8DA
Covea Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority. Our Firm Reference Number is 202277. You can check this on the Financial Services Register by visiting
the FCA s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Page 5
For policies incepted or renewed with effect from May 2018
 Policy Underwritten by :
Covea Insurance plc
Covea Value Net Rated Infinity
Ref : A / 2563832 / 2
Policy No : 332590056181
Op : J1 | 1189 | 840 | HX | V3
PROVID.CRX | 1.63 | 15th. May, 2018 @ 13:58
c Copyright 2018 Cheshire Datasystems Limited

RENEWAL NOTICE AND SCHEDULE

superseding any previously effective schedule

Policy Number 33259/2563832/332590056181 PREMIUM

The Insured Mr Fergus Christie £331.78

2 Mallard Close
Current Annual Premium
Bishops Waltham
Southampton £331.78
EFFECTIVE Time & Date EXPIRY Time & Date
SO32 1LW
00:01 on 16May2018 Noon on 16May2019

POLICY DETAILS APPLICABLE AT EFFECTIVE DATE Policy type

Please refer overleaf for definitions of codes used. Covea Value Net Rated Infinity

The Insured Vehicle Year Make and Model (brief approx. description) Engine Size Insured Value Left Hand Drive Vehicle Group
HK16OPX 2016 Kia Sportage KX-2 Crdi EST A 1995 cc £24000 No 20

Policy Cover/Status Loading Windscreen Cover (The excesses shown in 1,2 and 3 below do not apply to this section) Rating Age Rating Area
Comp 0% Included in Comprehensive Cover 52 Years E2

NCD (Claim Free Years) NCD Protection Annual Mileage Permitted Drivers Class of Use
5 years No Agreed Annual Mileage limited to 10000 miles. IS 1
Defined on Insurance Certificate

1 Excess applied to claims for 2 Additional voluntary excess 3 The additional excess shown below applies to young and inexperienced* persons. Unless otherwise stated in an
accidental damage, fire, theft applied to claims for endorsement to this policy, the excess applies to claims for accidental damage, malicious damage, fire and theft.
or malicious damage accidental damage, fire, Additional excess applying if the driver or person last in charge of the vehicle for the purpose of driving:-
theft or malicious damage a) is aged under 21 b) is aged 21 to 24 c) is aged 25 or over and is inexperienced*

£300 £250 £350 £250 £150

Extra excesses may apply - see overleaf * "Inexperienced" means a person who does not hold a Full UK driving licence or has held such a licence for less than 1 year.

THIS POLICY SCHEDULE FORMS PART OF YOUR POLICY DOCUMENT. PLEASE KEEP IT FOR FUTURE REFERENCE
A copy of the Policy Booklet is available on request
Endorsements on this schedule or overleaf alter the terms, exclusions or conditions shown in your policy document.
You should keep all schedules issued to maintain a complete record.

04A - Windscreen Cover Endorsement

A £100 excess applies to claims for replacement, and £25 for glass repair. If the work is carried out by our approved repairer, the excess is reduced
to £75 for glass replacement and £15 for glass repair. If our approved repairer is not used the maximum payable under this section is £150 after
deducting excesses.

Norman Place, Reading, Berkshire, RG1 8DA

 Policy Underwritten by :
Covea Insurance plc
Covea Value Net Rated Infinity
Ref : A / 2563832 / 2
Policy No : 332590056181
Op : J1 | 1189 | 840 | HX | V3
PROVID.CRX | 1.63 | 15th. May, 2018 @ 13:58
c Copyright 2018 Cheshire Datasystems Limited

DEFINITIONS
POLICY EXCESSES
An "Excess" is the amount which you must pay for any claim for loss of or damage to your vehicle and its accessories and basic tool kit and personal property in your vehicle.

The excess shown overleaf which applies to claims for Fire, Theft and Malicious Damage also applies to damage caused by attempted theft no excess applies to
claims for theft or attempted theft from a locked garage entered by force.
Please note that Third Party Fire and Theft polices do not cover Malicious Damage, unless an additional premium has been paid for windscreen
cover and a windscreen claim has been made.

IMPORTANT NOTICE
How We Use Your Information
Please visit www.coveainsurance.co.uk/dataprotection for further information about how and when we process your personal information under
our full Privacy Policy.
The personal information, provided by you, is collected by or on behalf of Covea Insurance plc ('we, us, our') and may be used by us, our
employees, agents and service providers acting under our instruction for the purposes of insurance administration, underwriting, claims handling,
for research or for statistical purposes.
We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing. When
the information that we process is classed as "sensitive personal information", we must have a specific additional legal ground for such processing.
Generally, we will rely on the following legal grounds:
. It is necessary for us to process your personal information to provide your insurance policy and services. We will rely on this for activities
such as assessing your application, managing your insurance policy, handling claims and providing other services to you.
. We have an appropriate business need to process your personal information and such business need does not cause harm to you. We
will rely on this for activities such as maintaining our business records and developing, improving our products and services.
. We have a legal or regulatory obligation to use such personal information.
. We need to use such personal information to establish, exercise or defend our legal rights.
. You have provided your consent to our use of your personal information, including sensitive personal information.
How we share your information
In order to sell, manage and provide our products and services, prevent fraud and comply with legal and regulatory requirements, we may need
to share your information with the following third parties, including:
. Reinsurers, Regulators and Authorised/Statutory Bodies
. Credit reference agencies
. Fraud prevention agencies
. Crime prevention agencies, including the police
. Suppliers carrying out a service on our, or your behalf
. Product providers where you've opted to buy additional cover
. Other insurers, business partners and agents
. Other companies within the Covea Insurance Group
Motor Insurance Database
Information about your insurance policy will be added to the Motor Insurance Database (MID), managed by the Motor Insurers' Bureau (MIB). The
police, the Driver and Vehicle Licensing Agency (DVLA), the Driver and Vehicle Agency (DVA), the Insurance Fraud Bureau and certain other
authorised organisations may use the MID and the information stored on it for purposes including:
. Electronic licensing;
. Continuous insurance enforcement (to reduce the number of people driving without insurance)
. Enforcing the law (preventing, detecting, cautioning or prosecuting offenders)
. Providing government services or other services aimed at reducing the number of uninsured drivers.
If you're involved in a road traffic accident (either in the United Kingdom, the European Economic Area or certain other territories), insurers and
the MIB may search the MID for relevant information.
People (including citizens of other countries) making an insurance claim following a road traffic accident (and their appointed representatives)
may also get relevant information which is held on the MID. You can find out more about this from us, or at www.mib.org.uk
Marketing
We will not use your information or pass it on to any other person for the purposes of marketing further products or services to you unless you
have consented to this.
Fraud Prevention and Detection
In order to prevent or detect fraud and money laundering we will check your details with various fraud prevention agencies, who may record a
search. Searches may also be made against other insurers' databases. If fraud is suspected, information will be shared with those insurers.
Other users of the fraud prevention agencies may use this information in their own decision making processes.
We may also conduct credit reference checks in certain circumstances. You can find further details in our full Privacy Policy explaining how the
information held by fraud prevention agencies may be used or in which circumstances we conduct credit reference checks and how these checks
might affect your credit rating.
Automated Decisions
We may use automated tools with decision making to assess your application for insurance and for claims handling processes, such as price
rating tools, flood, theft and subsidence area checks and credit checks.
These automated decisions will produce a result on whether we are able to offer insurance, the appropriate price for your policy or whether we
can accept your claim. If you object to an automated decision, we may not be able to offer you an insurance quotation or renewal.
How to Contact Us
Please contact us if you have any questions about our Privacy Policy or the information we hold about you:
The Data Protection Officer, Covea Insurance plc, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JX or email:
dataprotection@coveainsurance.co.uk.
 Policy Underwritten by :
Covea Insurance plc
Covea Value Net Rated Infinity
Ref : A / 2563832 / 2
Policy No : 332590056181
Op : J1 | 1189 | 840 | HX | V3
PROVID.CRX | 1.63 | 15th. May, 2018 @ 13:58
c Copyright 2018 Cheshire Datasystems Limited

CERTIFICATE OF MOTOR INSURANCE

1. CERTIFICATE NUMBER 33259/2563832/332590056181

2. POLICYHOLDER Mr Fergus Christie

3. THE INSURED VEHICLE HK16OPX

4. EFFECTIVE TIME AND DATE 00:01 Hours on 16May2018 5. EXPIRY TIME AND DATE Noon on 16May2019
of commencement of insurance for
the purposes of the relevant law.

6. PERSONS OR CLASSES OF PERSONS PERMITTED TO DRIVE.

As indicated below provided that the person driving holds or has held a licence to drive the vehicle and is not disqualified for the purpose of
holding or obtaining such a licence.
The Policyholder and his or her Spouse/Civil Partner only
POLICYHOLDER MAY ALSO DRIVE OTHER CARS DEFINED BELOW *
The Policyholder may also drive in the UK, any private motor car not owned by or registered to, and not hired, rented or leased to the Policyholder,
their employer or business partner.
This cover only applies if the Policyholder is still the owner or main driver of the Insured vehicle above.

7. LIMITATIONS AS TO USE.
As indicated below, provided that use by the Spouse/Civil Partner of the policyholder applies only if he or she is a person permitted to drive.
CLASS 1 USE
Use for social, domestic and pleasure purposes and use in person by the Policyholder only, in connection with their business or profession
EXCLUDING use for hire or reward, racing, pacemaking, speed testing, commercial travelling or use for any purpose in connection with the motor
trade
EXCLUDING Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration mark, which has been seized
by, or on behalf of, any government or public authority.

I HEREBY CERTIFY THAT THE POLICY TO WHICH THIS CERTIFICATE RELATES SATISFIES THE REQUIREMENTS OF THE RELEVANT LAW
APPLICABLE IN GREAT BRITAIN, NORTHERN IRELAND, THE ISLE OF MAN, THE ISLAND OF GUERNSEY, THE ISLAND OF JERSEY AND THE
ISLAND OF ALDERNEY.
Covea Insurance plc (Authorised Insurers)
Norman Place, Reading,
Chief Executive Officer, Covea Insurance plc
Berkshire RG1 8DA
NOTE: For full details of the Insurance cover
applicable, reference should be made ADVICE TO THIRD PARTIES: Nothing contained in this Certificate
to the Policy and Policy Schedule. affects your right as a Third Party
to make a claim.

DEFINITIONS
PERSONS OR CLASSES OF PERSONS PERMITTED TO DRIVE
If in 6 above it is shown that the Policyholder may also drive other private motor cars, the Policyholder may also drive in Great Britain, Northern Ireland,
the Isle of Man and the Channel Islands, with the owners permission, any private motor car not owned by or registered to, and not hired, rented or leased
to, the Policyholder, his or her business partner or his or her employer, and is not being kept or used in connection with the Policyholder 's business or his
or her employer's business.
The cover provided is outlined in the Driving Other Cars section of the Policy booklet. This cover only applies if the Policyholder still owns the vehicle as
shown above (or if the Policyholder is still its main driver or the Policyholder told us that someone else owns the vehicle when the Policyholder insured
with us) and you are over 25 years of age. This cover does not allow use to secure the release of a motor vehicle, other than the vehicle identified above
by its registration mark, which has been seized by, or on behalf of, any government or public authority.

For a 24 hour windscreen repair or replacement service, please phone our Glassline on 0330 024 2270.
 EXISTING CLAIMS QUERIES

If you have a query on an existing claim which has already been notified to Covea please call us on: 01422 286185

COVEA GREEN LIGHT CLAIMS HELPLINE

This is a dedicated 24 hour telephone service which means you can get your car repaired quickly.
If you need to make a claim, just call the Green Light Helpline:
0330 024 2240
This will give you immediate access to a number of important benefits which cut the hassle from your claim, including:
Assistance with claim form completion.
Advice on what to do if your car is stolen or written-off.
Recommendation to one of our quality Green Light Repairers.
Provision of a courtesy car whilst yours is being repaired.*
Free collection and redelivery of your vehicle.
Immediate go-ahead for repairers (no need for written estimates).
* Courtesy car subject to availability.

OTHER ENQUIRIES
If you have any other query which is NOT claims related please contact your broker.

WINDSCREEN CLAIMS

For a 24 hour windscreen repair or replacement service, please phone our Glassline on 0330 024 2270.
If you have windscreen cover, you are covered for accidental damage and malicious damage to windscreen and windows in your car. If the
damage can be repaired you will only have to pay the glass repair excess, but if the glass has to be replaced you will have to pay your
replacement glass excess.
If you use a supplier other than our approved repairer, you may have to pay the invoice in full and reclaim the costs from Covea. These claims will
be subject to policy limits and the excess applicable to your policy.

If you are VAT registered you will also be required to pay the VAT amount of the claim, irrespective of the supplier used.

COMPLAINTS PROCEDURE
We will be pleased to send you a copy of our internal complaint handling procedures on request. These procedures do not affect your legal rights.
If you are not satisfied with our service please phone us on 01422 286406 or write to our Customer Relations Officer at our address shown, Fax
01422 438488 Email customer.relations@coveainsurance.co.uk

We are covered by the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR - phone number: 0845 080 1800.
Covea Insurance is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation
Authority as an insurance company under Registration No. 202277.

FOREIGN USE
Compulsory insurance cover outside the Territorial Limits.

This policy gives the minimum insurance needed under the law while the Insured vehicle is being used in any country of the European Community
and in Gibraltar, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland and Andorra.

Please note that the insurance given is the minimum needed under the law. If you want more insurance cover, you must contact your insurance
broker before taking your vehicle outside the territorial limits as defined in your policy booklet.

Cette Police set valable dans tous lae pays membres de la Communaute Europeene et Gibraltar, Islande, Liechtenstein, Monaco, Norvege, San
Marino, Suisse et L'Andorre.

Diese Ploice ist guttig in allen, Mitgliedsstaaten der Europaischen Gemeinschaft und Gibraltar, Island, Liechtenstein, Monaco, Norwegan, San
Marino, Schweiz und Andorra.

Esta Poliza surtira efecto en todos los paises miembros de la Communidad Europa y Gibraltar, Islandia, Liechtenstein, Monaco, Noruega, San
Marino, Suiza y L'Andorra.

Questo Polizza e operante in tutti i paesi membri della Communita Europea e Gibraltar, Islanda, Liechtenstein, Monaco, Norvegia, San Marino,
Svizzera e Andorra.