Zenith Fred Van Policy Wording

Commercial Vehicle
Policy
www.zenith.gi
2
Important Customer Information
2
What To Do If You Have A Complaint
3
What To Do In The Event Of An Accident
4-5
- fred And How It Works
4
- Approved Repairers
5
Contract of Insurance
6
Definitions
Policy Sections
1. Accidental Damage
2. Fire and Theft
7-8
9 - 14
9
10
You should keep a complete record of all
information (including copies of letters)
supplied to us in taking out this insurance.
So that you understand what you are covered
for, please read this policy, the schedule
and the Certificate of Motor Insurance very
carefully. You should pay special attention to
the general exclusions and general conditions.
If you have any questions or the cover does
not meet your needs or any of the details are
incorrect you should notify us immediately
via your insurance intermediary.
To keep your policy up to date please tell us
straight away about changes which affect
your insurance. Some examples are:
How we will settle claims under sections 1 and 2
10 - 11
• A change of vehicle, or you purchase another vehicle to which you want cover
to apply
3. Liability to Others
11 - 12
• You wish a new driver to be covered
4. Foreign Use
13
5. Glass
13
6. No Claims Discount
14
7. No Claims Discount Protection
14
• Someone who drives the vehicle gets a motoring or other conviction or suffers from a medical condition or has a claim on another policy
• The vehicle is changed from the maker’s standard specification
General Exclusions 15 - 16
• A change of job by you or any
other driver
General Conditions 16 - 18
• A change of address
Endorsements
•A change in the use of the vehicle
18
DATA PROTECTION
We may pass information about the client
and this policy to other insurance companies
with which we either reinsure our business
or who are dealing with a claim made
under this policy. In addition, information
may be passed to other insurance related
organisations in common with industry
practice. These companies may be located
in countries outside the UK but within the
European Economic Area (“EEA”).
Whenever the vehicle is driven fred
records the journey, and this data,
combined with conversations at the
roadside at the time of any incident,
enable us to process any claim on your
behalf in the most effective manner. Your
personal driving data will not be used for
any other purpose, without your prior
permission. We may, however, disclose
your information where we are required
or permitted to do so by law.
IMPORTANT CUSTOMER INFORMATION
1
Important Customer Information
Contents
In the event that we are unable to
continue to trade with your intermediary
because they have ceased to trade through
bankruptcy or liquidation or in the event
that their relevant FCA authorisation is
revoked we reserve the right to pass
your policy and all details on to another
intermediary. If you do not wish this to
happen then please put your request in
writing to us.
• The vehicle is involved in an accident, no matter how trivial
If you do not tell us about changes, your
insurance may not cover you fully or at all.
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
We are dedicated to delivering a first class
level of service to all of our policyholders.
However, we accept that things can
occasionally go wrong and would rather be
told about any concerns you have so that we
can take steps to make sure the service you
receive meets your expectations in
the future.
If a dispute regarding your policy or claim
arises and cannot be resolved by reference
to your insurance intermediary the following
explains the procedures for resolving your
complaint:
The resolution of complaints in relation
to your policy (or any claim made under
it) is delegated to our service providers
in the United Kingdom, Zenith Insurance
Management UK Limited. If you have
a complaint, please contact our service
providers at the address below:
Zenith Customer Relations
Zenith Insurance Management UK Limited
PO Box 730
Chesterfield
S40 9LL
Our service providers will make every effort to
resolve your complaint immediately. If they
cannot resolve your complaint by the end of
the next working day they will acknowledge
your complaint within five working days of
receipt and do their best to resolve the
problem within four weeks by sending you a
final response letter. If they are unable to do
so, they will write to advise you of progress
and will endeavour to resolve your complaint
in full within the following four weeks. If they
are still unable to provide you with a final
response at this stage, they will write to you
explaining why and advise when you can
expect a final response. At this point you may
refer your complaint to the Financial
Ombudsman Service at the following address:
The Financial Ombudsman Service
Exchange Tower
London E14 9SR
You have the right of referral within
6 months of the date of your final
response letter.
Email: complaints@zenith-insurance.co.uk
Whilst we and our UK service providers
are bound by the decision of the Financial
Ombudsman Service, you are not. Following
the complaints procedure above does not
affect your right to take legal action.
When contacting Zenith Insurance
Management UK Limited please provide:
Zenith Insurance Plc is a member of the
Association of British Insurers.
Tel: 0844 874 0630
• A policy number and/or claim number
• An outline of your complaint
What to do in the Event of an Accident
‘fred’ and how it works
The Law
‘fred’ is a compact device that attaches to
the windscreen of your vehicle. fred can
automatically recognise serious impacts and
makes contact with a claims advisor in the
event of an accident. Where required, staff
will be able to request the attendance of
emergency services (ambulance, fire brigade
and police).
If you have an accident which involves an
injury to any person or certain animals,
another vehicle or damage to property, you
must stop. If you own the vehicle you must
give your name, address and insurance
details to anyone who has a good reason to
ask. If you do not own the vehicle you must
provide the owner’s name and address.
For accidents where fred does not
automatically make contact with a claims
advisor, simply pull over to a safe location
nearby, press the assistance button on the
front of fred and talk to claims experts from
the scene as soon as you are able to.
If there is an injury and you do not give
your details at the scene, you must report
the incident to the police within 24 hours.
You will receive the device within 7 days of
your policy start date and you must install
it within 24 hours of receipt in order to
qualify for the excess waiver on accident
claims when you use fred. During the
period of up to 7 days from the policy start
date to your receipt of fred (plus 24 hours
for installation), your accident excess will
automatically be set to zero.
4
WHAT TO DO IN THE EVENT OF AN ACCIDENT
WHAT TO DO IF YOU HAVE A COMPLAINT
3
What to do if you have a complaint
Once fred is installed in accordance with the
installation instructions, you will need to
use fred at the scene, when safe, to report
an accident claim to us for your excess
waiver to apply. For details of when the
excess waiver applies, please refer to the
excess section of the key facts or your policy
wording.
• A contact telephone number
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
What to do in the Event of an Accident
Contract of Insurance
6
At the scene
It is essential that you report any accident
claim to us as soon as it is safe to do so,
irrespective of who is at fault, using fred and
whilst still at the scene.
Serious impacts can initiate an automatic call
to the claims team via fred allowing them to
talk to you. For accidents where fred does
not automatically make contact with a claims
advisor, you and any other vehicle involved
should move to a safe location and then
press the button on the device at the
roadside to qualify for your excess waiver.
Claims experts will guide you through the
process, and also speak to the third party at
the scene if appropriate, as well as initiate
the paperwork for you.
Where fred is unavailable to report your
claim (during the first 7 days plus a further
24 hours for installation, instances of fire,
theft, or if abroad), details must be reported
to the 24 hour claims helpline on 0845
6005330 as soon as you are aware or within
24 hours of the incident. If in the unlikely
event the device should fail please contact
the claims helpline. Correspondence should
be sent to our UK service providers, Zenith
Insurance Management UK Ltd, Claims
Department, PO Box 726,
Chesterfield S40 9LG
If fred is not used at the accident scene it
is important that you obtain full details of
the following:
• All the vehicles involved
• The name, addresses and telephone numbers of the other drivers and of any witnesses
• The numbers of passengers in each vehicle
• The insurance details of the other drivers
• Injuries caused
Make a rough sketch of the accident scene
showing the position of the vehicles before
and after the accident.
Do not apologise or admit that you were to
blame. Do not sign anything at the scene.
If you were not at fault we will attempt to
recover any money we pay. Provided we are
able to make a full recovery your no claims
discount is not affected.
If you were at fault however, we will offer
to deal with the Third Party’s claim to
minimise costs.
Your insurance covers you for the cost of
repairs to your vehicle after an accident, fire
or theft. We will discuss the repair options
to the insured vehicle and, if agreed, notify
the nearest approved repairer.
Approved Repairers
We strongly recommend using one of our
approved repairers. There are many benefits
in doing so:
Commercial Vehicle Insurance
This document is a legally binding contract of
insurance between you and us. The contract
is based upon the information you gave us
in the proposal form or the statement of
facts and the declaration you made.
We agree to insure you under the terms of
this contract against accidental injury, loss or
damage that occurs within the geographical
limits during the period of insurance for
which you have paid or agreed to pay the
premium.
You must read this policy, the schedule and
the Certificate of Motor Insurance together.
The schedule tells you which sections of the
policy apply. Please check all three
documents carefully to make certain they
give you the cover you want.
The Financial Services Compensation Scheme
covers this policy.
All Zenith Insurance Plc policies issued in
the UK for individual customers or ‘small
businesses’ are covered by the Financial
Services Compensation Scheme. You may be
entitled to compensation from the scheme if
your insurer cannot meet its obligations
(e.g. if it goes out of business or into
liquidation or is unable to trade).
Further information about compensation
scheme arrangements is available from
the FSCS (www.fscs.org.uk, telephone
0207 741 4100).
CONTRACT OF INSURANCE
WHAT TO DO IN THE EVENT OF AN ACCIDENT
5
English law will apply to this contract of
insurance unless we and you have agreed
otherwise.
• They provide a fast, reliable and professional service
• They will collect your vehicle free
of charge
Gary Humphreys Underwriting Director
• After the repair your vehicle will be
returned to you having been cleaned
thoroughly inside and out
Zenith Insurance Plc and/or its co-insurers
whose names and addresses are available
upon request. Authorised Insurers, registered
in Gibraltar No. 84085.
• We will settle the bill for repairs. All you
need to do is pay the applicable policy
excess and VAT (if you are VAT registered)
direct to the repairer
• The repairer’s work is guaranteed for three
years
If your vehicle is not drivable we may move
it to a safe place while it is waiting to be
repaired or disposed of. You should remove
all personal belongings.
Registered Office: 846-848 Europort,
Gibraltar.
Zenith Insurance Plc is an authorised
insurance company licenced and based in
Gibraltar and is regulated by the Gibraltar
Financial Services Commission and subject to
a limited regulation by the Financial Conduct
Authority and the Prudential Regulation
Authority in respect of underwriting business
in the UK (No. 211787).
• Property damaged and extent of damage
• Police Officer involvement (name, number and constabulary)
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
(Classification, Packaging and Labelling) and
Use of Transportable Pressure Receptacles
Regulations 1996
b) the use or threat is designed to influence the government or to intimidate the public or a section of the public, and
Accident scene or scene
c) The Carriage of Explosives by Road
Regulations 1996
c) the use or threat is made for the purpose of advancing a political, religious or ideological cause.
The location where an accident has just
occurred involving you or anyone named on
the Certificate of Motor Insurance.
Evidence that you have the motor insurance
cover required by law. It shows who may drive
the vehicle and what it may be used for.
Deploy fred/Deployed fred
Relates to the activation of fred as shown
in the user manual supplied with the device.
For the policy excess to be waived as a result
of an accident, you must use fred in line
with the terms and conditions outlined within
this policy.
Endorsement
d) The Approved List of Dangerous Substances
as published by the Health and Safety
Executive and any other legislation of similar
intent (including subsequent legislation) if
applicable
Market Value
The cost of replacing your vehicle, if this is
possible, with one of a similar make, model,
age, mileage and condition.
Period of Insurance
The length of time covered by this insurance as
shown in the schedule.
Schedule
2. Action falls within this subsection if it –
a) involves serious violence against a person
b) involves serious damage to property
c) endangers a person’s life, other than the person committing the action
d) creates a serious risk to the health or safety of the public or a section of the public
e) is designed to interfere with or seriously disrupt an electronic system
3. The use or threat of action falling within the subsection (2) which involves the use of
firearms or explosives is terrorism whether or not subsection 1(b) is satisfied.
A clause which alters the insurance cover. Any
endorsement that applies will be shown on
your schedule.
Confirms details of you and the insurance
cover provided. The schedule forms part of
the contract of insurance and must be read in
conjunction with the policy.
Excess
Terrorism
The amount you have to pay towards the
claim.
Hazardous Goods
In the United Kingdom, the term “terrorism”
shall follow the interpretation as set out in part
1 of the Terrorism Act 2000 or as per any
subsequent amendments thereto or successors
thereof (as replicated hereunder). In any other
territory which has equivalent legislation to the
Terrorism Act 2000, “terrorism” will follow
the definition in that legislation. In any other
territory the UK Terrorism Act 2000 or
subsequent amendments thereto or successors
thereof will be deemed to be the applicable
definition.
The term hazardous goods means
those detailed in:
Part 1 of the Terrorism Act 2000 contains the
following definition:
GUIDE TO POLICY COVER
a) The Dangerous Substances (Conveyance by
Road in Road Tankers and Tank Containers)
Regulations 1992
1. In this Act “terrorism” means the use or
threat of action where –
Comprehensive* Sections 1-6 inclusive
* Plus section 7 if noted on the schedule
Geographical Limits
Great Britain, Northern Ireland, the Isle of Man
and sea transit between them. Third Party
Liability cover is also provided in the European
Union and any other country which has agreed
to follow Article 7(2) of the EC Directive 72/166
EEC.
b) The Carriage of Dangerous Goods
DEFINITIONS
The following words or phrases have the
same meaning wherever they appear in
this policy.
Certificate of Motor Insurance
8
Theft
DEFINITIONS
7
Definitions
Any theft or attempted theft that you have
reported to the police.
Vehicle
The vehicle with the registration number
shown in your schedule, or any replacement
vehicle that you have told us about and we
have agreed to cover.
We, Our, Us
Zenith Insurance Plc.
You, Your
The policyholder named on the schedule.
a) the action falls within subsection (2)
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
What is covered
We will cover you under this section for
accidental damage to your vehicle. This is
subject to the amount shown in the schedule
under “Excess applying to Section 1 –
Accidental Damage”.
In addition, you must pay the amount
shown in the schedule under “Young and/or
Inexperienced Drivers” if the person driving or
in charge of the vehicle at the time of
the accident is:
• aged under 25;
• or aged 25 or over but has not held a full UK
licence for at least 12 months
You must pay the appropriate excess for
each claim you make under this section of
the policy with the exception of accident
claims where you or any other person
named on the Certificate of Motor
Insurance have deployed fred to report
the claim from the accident scene. Also
where the claim occurred within the first 7
days plus a further 24 hours for installation
from the start of the policy or any other
period of time where you were unable to
deploy fred following an accident due to
fred not being operational as a result of
technical failure. In these circumstances
you will not be required to pay any policy
excess. For clarification of this accident
excess waiver, see the table below;
Type of claim
First 7 days, plus 24
hours for installation
Day 9 and beyond
fred used in line with
your policy terms and
conditions**
fred NOT used in
line with your
policy terms and
conditions**
Accident
£0
£0
£250*
Other claims – fire,
theft, malicious
damage, storm
damage or if abroad
£250*
£250*
£250 *
* Please note that young and inexperienced driver excess terms will apply in addition.
** The excess waiver only applies to accident claims where fred is deployed to report
the claim as soon as safe, from the scene.
We will cover loss or damage to the vehicle while it is with a member of the motor trade
for servicing or repair.
FIRE AND THEFT
What is covered
We will cover you under this section for loss
or damage to your vehicle caused by fire,
lightning or explosion, theft or attempted
theft. This is subject to the amount shown
in the schedule under “Excess applying to
Section 2 – Fire and Theft”.
What is not covered under
sections 1 and 2
• The amount shown in the schedule under “Excess applying to Section”
10
•
Loss of or damage to the vehicle caused by a member of the family or household of a permitted driver taking the vehicle without your permission
• Any amount in excess of £250 in respect of sign writing, advertisements, logos and specialised artwork
• Loss of or damage to the vehicle if it is not covered by a valid Department for Transport test certificate (MOT), if one is needed by law
•
A
POLICY SECTIONSECTION
1 AND 2
ACCIDENTAL DAMAGE
Section 2
Loss of or damage to the vehicle if it is left
unattended and the ignition key is in or on the vehicle and/or all doors, windows and other openings have not been closed and locked
• Any damage to the vehicle caused deliberately by you or any person driving it with your permission
• VAT, subject to status
• Any payment above the amount shown in the schedule under the heading “Limits
Applying – Sections 1 and 2 – Radio” in
relation to the replacement or repair of vehicle audio equipment
POLICY SECTION 1 AND 2
9
Policy Sections
Section 1
• Loss or damage caused directly or indirectly by fire if your vehicle is equipped for the cooking and/or heating of food or drink
• Loss of use of the vehicle
• Confiscation or requisition or destruction by or under order of any Government or Public or Local Authority
• Loss of or damage to telephone, or other telecommunication equipment
How we will settle claims under
sections 1 and 2
• Wear and tear, mechanical, electrical,
electronic and computer failures or breakdowns
We will choose whether to repair or replace
your vehicle or to pay you a cash sum equal to
the cost of loss or damage.
• Damage to tyres caused by braking, punctures, cuts or bursts
We will not pay for the whole cost of any repair
or replacement which leaves your vehicle in a
better condition than it was before the loss or
damage. If this happens you will have to pay
part of the cost of repair or replacement.
• Loss of value for any reason
• Loss of or damage to the vehicle resulting from fraud or deception
• Any amount greater than the manufacturers
latest list price for any part or accessory
The repairer may be authorised to use
replacement parts (if appropriate) which were
not supplied by the original manufacturer of
the vehicle.
• Any extra cost due to parts or replacements not being available in the United Kingdom
If you are still paying for the vehicle under
a hire purchase or leasing agreement we
• Loss of or damage to any accessory which will settle your claim with the vehicle’s legal
is not permanently attached to the vehicle
owner unless by prior agreement.
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
Section 3
LIABILITY TO OTHERS
If the vehicle sustains damage which is
covered under this policy you must take
steps to ensure its security and safety.
We will cover you under this section for the
costs and damages you are legally liable to
pay for the death of or injury to any person
and damage to property caused by:
If the vehicle cannot be driven due to the
damage we will pay for the vehicle to be
protected and taken to our nearest approved
repairer.
If we choose to pay you the market
value of your vehicle rather than to repair
it, you must send us the Certificate of
Motor Insurance, the Vehicle Registration
Document and the MOT certificate if the
vehicle needs one, before we pay
your claim.
We may, without further notice, move the
vehicle to a secure place of free storage. All
personal possessions should be removed
from the vehicle at the earliest opportunity.
As soon as you accept our offer, this
insurance will end for that vehicle and
any outstanding or overdue premium
must be paid.
The vehicle then becomes our property.
What is covered
• You, driving the insured vehicle or any
other vehicle your Certificate of Motor
Insurance shows you are insured to drive
• Any person driving the vehicle with your
permission provided your Certificate of
Motor Insurance shows he or she is allowed to drive the vehicle
• Any passenger travelling in, getting into or out of the vehicle
If anyone insured by this section dies,
we will extend the cover to which they
would have been entitled, to their personal
representatives.
What is not covered
•
Liability for death or injury to any employee
of the person insured, arising during the
course of their employment except where
liability is required to be covered by the
Road Traffic Acts
• Liability for death or injury to any person being carried in or on any trailer or caravan
•
Liability for death, injury or damage
arising while the vehicle is not on a public road and is in the process of being loaded or unloaded by any person other
than the driver or attendant of the vehicle
•
Liability for damage to any bridge, viaduct, weigh-bridge or road or anything beneath attributed to vibration or by the weight of the vehicle and its load if the insured
vehicle exceeds the maximum gross vehicle, plated or train weight permitted by the relevant law
•
• Loss of or damage to any vehicle or attached trailer or caravan which is covered by this section
• Any trailer or caravan attached to
the vehicle
• Loss of or damage to property owned by or in the care of any person claiming cover under this section
We will also pay at our discretion:
• Anyone, other than you, who is covered by other insurance
SECTION A
POLICY SECTION
3
The most we will pay will be the market
value of the vehicle immediately before
the accident.
12
Any amount above £1,000,000 for
damage to property resulting from an
accident or series of accidents from one event or chain of events
POLICY SECTION 2 and 3
11
Policy Sections
Section 2 cont.
• Legal costs and expenses we have previously agreed in writing relating to:
-
Solicitors’ fees for representation at a coroners’ inquest, fatal injury
enquiry or court of summary jurisdiction
-
The defence of a charge of manslaughter or causing death by dangerous or careless driving provided they relate to a claim resulting from an accident covered by this section
•
Any costs and expenses for which your (or your spouse’s) employer or business partner is legally liable if your Certificate of Motor Insurance allows business use, as a result of you (or your spouse) using the vehicle for their business
•
Emergency treatment charges set out in the Road Traffic Acts resulting from an
accident involving any vehicle covered by this policy
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
Section 5
Section 6
Section 7
FOREIGN USE
Glass
NO CLAIMS DISCOUNT
NO CLAIMS DISCOUNT PROTECTION
What is covered
What is covered
In addition to the minimum level of
insurance required to allow you to use your
vehicle in:
We will cover you under this section for
damage to your vehicles windscreen or
glass windows. A payment under this
section will not affect your no claims
discount.
If you have not made a claim during the
period of insurance prior to renewal and
no claim has been made against you, we
will allow a discount from your renewal
premium.
You will not lose any of your no claims
discount as long as you make no more than
two claims in any five year period. If three
claims are made in any five year period we
will reduce the discount you receive.
• Croatia, Gibraltar, Iceland, Liechtenstein,
Monaco, Norway, San Marino and
Switzerland
The policy extends all sections shown as
applying in the schedule, for a maximum
period of 45 days in any one period of
insurance.
Upon request before you go abroad, and on
payment of an additional premium we will
extend cover to:
• Up to 90 days duration in countries shown above
• Be operative in other countries covered by the International Green Card system
What is not covered
Customs and/or excise duties.
fred services and the associated accident
excess waiver are only available within the
United Kingdom.
Zenith Glass line 0800 917 0900
What is not covered
You may not transfer this discount to
another person.
POLICY SECTIONSECTION
6 AND A
7
• Any member country of the
European Union
14
The amount shown in the schedule under
“Excess applying to Section 5 – Glass”, if the
glass is replaced rather than repaired
• Claims for damage to sunroofs, roof panels, lights or reflectors even if they are made of glass
POLICY SECTION 4 AND 5
13
Policy Sections
Section 4
• Any extra costs due to the parts or the replacements not being available in the United Kingdom
• Claims for multiple breakages of glass will
be limited to one piece of glass only under this section of cover
• Claims for mechanical items associated with the window mechanisms are excluded under this section of cover
If a recognised windscreen glass specialist is
not used the maximum we will pay is £150
after payment of any excess. Payment of
VAT is subject to status. You do not have to
pay any excess if you have a windscreen
repaired rather than replaced.
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
General Exclusions
These exclusions apply to the whole policy.
Your insurance does not cover claims
arising from any of the following:
c) Ionising radiation or radioactive contamination from any nuclear fuel
or any nuclear waste from burning nuclear fuel.
1.Any accident, injury, loss or damage while any vehicle covered by this insurance is being:
d) Radioactive, toxic, explosive or other dangerous properties of any explosive nuclear material or any part of it.
a) Driven by anyone who is not described in the Certificate of Motor
Insurance as a permitted driver.
e)Pressure waves caused by aircraft or other flying objects.
b) Driven by anyone who does not have a driving licence, who is disqualified
from driving or who does not meet the
terms and conditions of their driving licence.
f) Carrying any hazardous goods or goods which you need a licence from the relevant authority for (except where
we need to provide cover to meet the minimum insurance requirement by the relevant law).
c) Used for a purpose which is not shown as covered in your Certificate of Motor Insurance.
4.Except under Section 3, any injury, loss or damage arising during:
d)Used in or on restricted areas of airports or airfields or military bases including any place where aircraft land and take off, park or move, associated service roads, refuelling areas, ground equipment parking areas, passenger buildings and customs areas.
e) Used in an unsafe condition or while carrying an insecure load.
2.Any liability you accept under an agreement or contract unless you would have been liable anyway.
3. Any accidental loss, damage, injury or legal liability caused directly or indirectly by:
a) War, invasion, revolution or any similar event except where we need to provide cover to meet the requirements of the Road Traffic Acts.
b) Any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss except where we need to provide cover to meet the requirement of the Road Traffic Acts.
8. If you receive payment for giving people
lifts in the vehicle, the policy is not valid if:
a) The vehicle is made or adapted to carry more than two passengers excluding the driver, and
b) You are carrying passengers as part of a business of carrying passengers, or
c) You are making a profit from the
payments you receive.
General Conditions
a)An earthquake.
Notification of claims
b)Riot or civil commotion occurring outside Great Britain or the Isle of Man.
It is essential that you report any accident
claim as soon as it is safe to do so,
irrespective of who is at fault, by deploying
fred whilst still at the scene - see page 5 ‘At
the Scene’ for details.
5. Any claim for pollution or contamination, unless it is caused by a sudden, identifiable event which was unintended and unexpected and happened at any specific time and place.
6. Any amount over £1,000,000 for one pollution or contamination event.
7.Any decision or action of a court which is outside the geographical limits unless
the proceedings are brought or judgment
is given by a court of a country:
a) For which minimum compulsory insurance is provided by this policy, or
b) To which we have agreed to extend the policy cover and for which we have received the necessary additional premium.
9. We will not pay the claim and all cover under the policy is forfeited if you, or anyone acting for you, makes a claim under the policy knowing the claim to be false, fraudulently inflated or supported by fraudulent documentation, or if loss damage or injury is caused by your wilful act or with your connivance.
SECTION A
GENERAL CONDITIONS
16
GENERAL EXCLUSIONS
15
Where fred is unavailable to report your
claims (during the first 7 days plus 24 hours
for installation, instances of fire, theft, or if
abroad), details must be reported to the 24
hour claims helpline on 0845 600 5330 as
soon as you are aware or within 24 hours
of the incident. If in the unlikely event the
device should fail please also contact the
claims helpline. Correspondence should
be sent to our UK service providers, Zenith
Insurance Management UK Ltd, Claims
Department, PO Box 726,
Chesterfield, S40 9LG
You must send us any letter, claim, writ or
summons as soon as you receive it. You
must also let us know immediately if you
or your legal advisors become aware of any
prosecution, inquest or fatal accident enquiry
which might be covered under this policy.
You or any other person claiming under this
policy must not negotiate, admit fault, offer
to pay or settle any claim unless you have
our written permission.
Dealing with claims
We will be entitled to:
•
Take over and carry out the defence or settlement of any claims in your
name or that of any other person insured
by this policy and have full discretion to deal with the claims as we see fit;
•
Take proceedings in your name or that
of any other person insured by this policy, to get back any money we
have paid;
• Any information and help we need from you or any other person insured by
this policy.
Changing your vehicle
An additional £10 charge to cover the cost of
sending you a new holder will apply if you
change your vehicle midterm (i.e. before
renewal).
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
General Conditions
Care of your vehicle
Anyone covered by this policy must take
all reasonable steps to keep the vehicle
in a roadworthy condition and to protect it
from loss or damage. Your vehicle must be
covered by a valid Department for Transport
test certificate (MOT) if one is needed by law.
In the absence of a valid Department for
Transport test certificate (MOT) all cover
under Sections 1 and 2 is excluded.
Whenever the vehicle is empty it must be
secured, locked and the keys removed.
We may examine your vehicle at any time.
Keeping to the policy terms
We will only provide the cover described in
this policy if:
• Any person claiming cover has kept to all its terms and conditions, as far as they apply, and
• All the information you have given us and upon which this contract is based is correct and complete
Other insurance
If a claim is made under this policy and
there is another policy that covers the
same loss, we will only pay our share of
the claim.
Compulsory insurance
If under the laws of any country in which
this policy applies, we have to make
payments which, but for that law, would not
be covered by this policy, you must repay
the amount to us.
You or the person who caused the accident
must also repay us any money we have
to pay because of any agreement with the
Motor Insurer’s Bureau.
CANCELLING YOUR POLICY
WITHIN THE REFLECTION PERIOD
CANCELLING YOUR POLICY
AFTER THE REFLECTION PERIOD
This policy provides you with a reflection
period to decide whether you wish to
continue with the full policy. The reflection
period is for 14 days from the date you
receive your policy documentation. During
this period you have the right to cancel the
policy and receive a refund of premium,
providing that no claim has been made or
is intended to be made. You must return
your Certificate of Motor Insurance or
provide us with an electronic declaration of
surrender in accordance with section 147
of the Road Traffic Act 1988 before we can
proceed with the cancellation.
Cancellation by us or the
intermediary
• If at the date of cancellation your policy has not yet commenced, you will receive a full refund from us.
•
If your policy has already commenced, you will receive a refund from us less a pro rata charge for each day of
cover provided.
•
An administration charge of £25 will apply. A further charge of £55 will also apply in the first year only, to
cover the cost of the device (fred) and postage. If you cancel and return the device unopened within 14 days of cancellation, this £55 fee will be refunded to you by the broker.
These fees may be in addition to
broker fees.
We or your authorised intermediary/service
provider may cancel this policy.
We will do this by giving you 7 days’ notice
in writing to your last address notified to us.
You must return your Certificate of Motor
Insurance or provide us with an electronic
declaration of surrender in accordance with
section 147 of the Road Traffic Act 1988.
When we have received the Certificate
of Motor Insurance or the electronic
declaration of surrender and providing that
no claim has been made or is intended to be
made, we will refund the premium relating
to the remaining period of insurance on a
pro rata basis, charging you for each day of
cover provided.
The installation, activation and maintenance
of fred throughout the policy term is a
condition of this policy. If fred has not
been installed and activated by day 21, we
will invoke our right to cancel the policy.
Similarly we reserve the right to cancel
during the term of the policy if fred is not
maintained with the battery charged and
kept in its holder. You will be alerted if the
battery life expires or if fred is removed
from its holder.
•
An administration charge of £25 will
apply. A further charge of £55 will also apply in the first year only, to
cover the cost of the device (fred) and postage. If you cancel and return the device unopened within 14 days of cancellation, this £55 fee will be refunded to you by the broker. These
fees may be in addition to broker fees.
Cancellation by you
You can cancel this policy by giving us 7
days notice in writing and either returning
your Certificate of Motor Insurance or
providing us with an electronic declaration
of surrender in accordance with section 147
of the Road Traffic Act 1988. Providing that
no claim has been made or is intended to be
made we will refund the premium relating
to the remaining period of insurance on a
pro rata basis, charging you for each day of
cover provided.
•
An administration charge of £25 will
apply. A further charge of £55 will also apply in the first year only, to
cover the cost of the device (fred) and postage. If you cancel and return the device unopened within 14 days of cancellation, this £55 fee will be refunded to you by the broker. These
fees may be in addition to broker fees.
SECTION A
GENERAL CONDITIONS
18
GENERAL CONDITIONS
17
Endorsements
These endorsements do not apply to your
insurance unless shown on your policy
schedule for the current period of insurance.
01 – Security
We will only be liable for claims arising
under Section 2 Fire and Theft when a
Thatcham Category 1 or 2 immobilising
device or Tracker device has been fitted
to the vehicle in accordance with the
manufacturer’s instructions and is in
active operation at all times the vehicle is
left unattended.
Proof of fitment of the device to your
vehicle will be required before we will
consider any claim under Section 2 Fire
and theft.
IN THE EVENT OF AN ACCIDENT
PRESS THE BUTTON ON fred
Commercial Vehicle
Policy
www.zenith.gi
Had an accident?
Press the button on fred
and talk to claims experts
from the scene
Zenith Insurance Plc
Registered Office: 846-848 Europort, Gibraltar
Registered in Gibraltar No. 84085
Zenith Insurance Plc is an authorised insurance company licensed and based in Gibraltar and is regulated by the Gibraltar Financial Services
Commission and subject to a limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting
business in the UK (No. 211787)
Documentation distributed by Zenith Insurance Management UK Limited on behalf of Zenith Insurance Plc
Correspondence Address: Chester House, Harlands Road, Haywards Heath, West Sussex RH16 1LR
Zenith Insurance Management UK Limited is authorised and regulated by the Financial Conduct Authority
ZENCVFRED/08/14
Claims Helpline: 0844 693 3153
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