Ip ML 1 002

Admiral Insurance
Insurance Product Information Document

Company: Admiral Insurance (Gibraltar) Limited Product: Motor Legal Protection
Admiral Insurance (Gibraltar) Limited (AIGL) is licensed by Gibraltar Financial Services Commission.
Incorporate number 85455
This document summarises the key features of your insurance policy. It is not tailored to individual needs and so may not provide all the
information relevant to your cover requirements. Complete pre-contractual and contractual information is provided in other documents.
What is this type of insurance?
Motor Legal Protection provides cover of up to £100,000 to fund legal proceedings (such as court case, trial and lawsuit) to recover uninsured
losses (such as your policy excess, travelling expenses or personal belongings) sustained by you in an accident that is not your fault and other
legal services and costs related to the ownership of a vehicle as summarised below.
What is insured? What is not insured?

Legal costs of up to £100,000 for the following;
Uninsured losses and injuries: We’ll pay legal costs No prospects: We don’t cover legal claims where we
to help claim compensation if you or your passengers or the lawyers deem there is less than a 51% chance of
suffer a loss as a result of a non-fault accident involving success.
your vehicle. Incidents outside the period of insurance: This
Motor prosecution: We’ll pay legal costs to defend you policy does not cover incidents that began outside the
from prosecution for offences involving the use of your period of insurance or claims you knew or should have
vehicle (Such as penalty points for speeding offences). known about before buying the policy.
This does not include parking offences. Legal costs not agreed in writing: We won’t pay
Motoring contract disputes: We’ll pay legal costs fines, penalties or legal costs we did not agree to in
to bring or defend contractual disputes over the sale writing. This includes legal costs from anyone we did
or purchase of goods or services (such as repairs) not appoint to act for you.
involving your vehicle where the amount in dispute is Intentional claims: We won’t pay out as a result of
over £250. your deliberate or reckless act.
Vehicle cloning: We’ll pay your legal costs to defend Fraud: We won’t pay out where we think there is a
civil and criminal proceedings as a result of your vehicle fraud or you have deliberately misled us.
being cloned without your permission. Vehicle cloning is
Non-adherence to legal requirements: We won’t pay
when a criminal steals your vehicle’s identity.
out if your vehicle is not insured and/or does not have
Motor insurance database challenges: We’ll pay your an MOT and/or you do not have a valid driving licence.
legal costs to represent you if your vehicle is seized by
the Police or Government as a result of an error made
by your Insurer and/or Motor Insurance Database.
Inquest representation: If you have to attend a Fatal
Accident Coroner’s Inquest we’ll pay legal costs to
represent you.
Uninsured driver benefit: We’ll pay you £500 or
the equivalent value of your excess (whichever is the
highest) if;
- You and your vehicle are involved in an accident
with an uninsured driver or vehicle (Subject to
information you can provide).
24/7 Legal advice helpline
Are there any restrictions on cover?

Uninsured driver benefit: You must provide the vehicle registration number and the make and model of the vehicle; and the
drivers’ details, if possible.
Legal representation: You are able to change your solicitor, but only with our consent.
Where am I covered?
You are covered for Uninsured Losses and injuries in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands, the
European Union, Norway, Switzerland, Iceland, Andorra, and Liechtenstein.
For all other benefits you are covered in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.
What are my obligations?
- You must provide us with honest, accurate and complete information.
- You must inform us without delay of any relevant event that has given or may give rise to a claim or legal proceedings involving you.
- If you do have a claim, you must attempt to minimise the amounts and seek to recover any legal costs we have paid and pay any
recovered amounts to us.
- You must obtain our consent in writing before incurring legal costs and ensure that all notices relating to the claim are sent to us or your
legal representative.
- You must co-operate with us and your legal representative and you must tell us at once of all offers to settle the claim no matter who is
representing you.
- You must make any legal representative aware of the terms and conditions of the policy.
When and how do I pay?

You can pay for your insurance with one lump sum with a debit/credit card when you take out your policy. If eligible, you can pay in monthly
instalments by Direct Debit. Monthly instalments will apply for the duration of the policy.
When does the cover start and end?

Your cover start and end date is shown on your Policy Schedule. If you do not wish your policy to automatically renew, please let us know.
How do I cancel the contract?

You can cancel at any time either by phone or in writing to our Customer Service department. These details can be found within your policy
documentation or on our website.

Ip ML 1 002

Uploaded by

Copyright:

Available Formats

Ip ML 1 002

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Ip ML 1 002

Uploaded by

Copyright:

Available Formats

Admiral Insurance

Insurance Product Information Document

What is insured? What is not insured?

Are there any restrictions on cover?

When and how do I pay?

When does the cover start and end?

How do I cancel the contract?

You might also like