This is a summary of what you can expect from your Short Term Private Car Insurance Policy underwritten
by Haven Insurance,
should you proceed to purchase the policy.
What is this type of Insurance?
This is a consumer contract providing a short-term Insurance policy for third party cover for your private car. This policy satisfies
the requirements of the Road Traffic Act.
What is insured? What is NOT insured
Claims by third parties • Damage to or loss of your car.
• Wear and tear, mechanical or electrical breakdown of
• Claims by third parties if we determine you are at your car.
fault for the incident. This includes cover to third • Using your car outside the terms of your driving
party vehicles or property (up to a maximum of licence.
£20 million) as well as compensation for death or • Using your car outside countries which are members
injury (unlimited). of the European Union or countries that have satisfied
• Medical expenses for your passengers up to the EC Directive 2009/103/EC on Insurance of Civil
£100 each when injured in an incident (subject to liabilities arising from the use of Motor Vehicles (No
a maximum of £400 per incident). 72/166/EEC).
• Anyone using your car who is not a named driver.
Cover for your car • Using the car for a purpose not specified in your
policy schedule.
• Car sharing, providing you do not make a profit • Driving under the influence of alcohol or drugs.
from payments received.
Are there any restrictions on cover?
• You are restricted to social, domestic and pleasure use
only unless you have requested an additional class of use,
such as commuting or business use.
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Where am I covered? •
• You have Third Party cover for your car within Great Britain, Northern Ireland, Isle of Man and the Channel
Islands.
• You can also use your car abroad with the minimum legal cover required, within the European Union or
countries that have satisfied the EC Directive 2009/103/EC. You are required to let us know before you
travel.
What are my obligations?
Before cover starts
• Disclose all facts accurately and in full.
• Let us know if you have any medical conditions discloseable to the DVLA.
• Ensure the cover offered is right for you and take note of any significant or unusual policy conditions or
exclusions.
Once you have purchased the policy
• Check your certificate and schedule are correct, paying particular attention to the vehicle registration number,
the class of use and the drivers listed as insured.
• Provide a copy of your driving licence or your licence summary check code and any other documents
requested to validate your policy.
• During the policy
• Let us know if you make any changes that may affect the policy, this may include your name, the vehicle
insured, your address or occupation, or the class of use you require the car for.
• Take reasonable steps to protect your car and ensure it’s kept in a roadworthy condition with an up to date
MOT and valid car tax.
In the event of a claim
• Never admit liability at the scene.
• Once you are in a safe position, exchange contact details with everyone involved including witnesses, and
take note of vehicle registration numbers involved.
• If safe to do so, take pictures of the vehicles, registration numbers and any passengers, as well as the
incident scene.
• If any party is injured, call the emergency services.
• Notify the claims department within 24 hours of the incident to avoid incurring a late reporting excess.
• Pay any excesses aplicable to the policy.
When and how do I pay?
The premium can be paid in full by cash, credit or debit card as a one off payment. Your Insurance broker may be
able to offer you a payment plan by monthly direct debit.
When does my policy start and end?
Your insurance policy will start on 12 January 2024 @ 13:40:09 and end on 11 February 2024 @ 13:40:08
How do I cancel the contract?
You can cancel the policy at any time by contacting your broker. Cancellation may be subject to broker
administration fees.
Policies for 31 days or more
If no claims have been made on the policy (by you or a third party) and there are no open claims at the point of
cancellation, you will receive a refund for the remaining days of cover less any broker administration fees.
If a claim has been made by you or a third party:
• If the claim has been settled and we determine you were at fault or partially at fault for the incident, we will
retain what you have paid so far, and the remainder of the premium will be due.
• If the claim has been settled as ‘notification only’ or we determine you were not at fault for the incident, you
will receive a refund for the remaining days of cover, less any broker administration fees.
Policies for 30 days or less
There is no ‘cooling off’ period for policies for 30 days or less, therefore no refund will be given if you decide to
cancel at any time.
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