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Anti-fraud benefit wording.


This Service has been arranged by Driver Guardian Limited and Motorplus Limited.Driver guardian Limited, registered in England No. 7560710. Registered Office: Guardian House,1 Slaidburn Crescent, Southport, Merseyside, PR9 9YF. Motorplus Limited & Driver Guardian Limited are authorised and regulated by the Financial Services Authority. This can be checked on the FSA’s register by visiting the FSA’s website at or by contacting them on  0845 606 1234  .

 Service on offer

Driver Guardian Dot pack services are on offer to help stop the rise of insurance fraud, and to protect innocent drivers. Any Client involved in a road traffic accident that they feel is not their fault can call Driver Guardian. One call from the accident scene to a dedicated customer service team is all that is needed. This team will handle the situation and talk the client through the relevant procedures of getting back on the road, and options for uninsured loss recovery. This team is trained in dealing with motor accidents and any suspicious circumstances picked up in the rigorous analysis of the incident will be flagged, with suspected fraudulent cases passed on to Driver Guardian’s fraud analysis department for investigation.


Appointed Lawyer

The solicitor, solicitors’ firm, barrister or other suitably qualified person appointed by Us to act for You.

Conditional Fee Agreement A written agreement between You and the Appointed Lawyer entered into pursuant to Section 58(1) Courts and Legal Services Act 1990 as defined in the Conditional Fee Agreement Regulations 1998 and an agreement between the Appointed Lawyer and counsel, if appropriate.

Insured Incident An event which causes damage to the service holder’s Vehicle or to Your personal property in it.

Legal Costs Professional fees which You are bound to pay, including reasonable fees or expenses incurred by the Appointed Lawyer whilst acting for You in the pursuit of a claim.

 Service holder The person who has taken out this Service.

Service holder’s Vehicle That vehicle specified in the motor insurance Policy issued with this Service, together with any caravan or trailer attached to such vehicle at the time of the Insured Incident.

Territorial Limits The United Kingdom.

You/Your/Yourself The Service holder and any person driving or riding in or on the Service holder’s Vehicle who is: 1. 2. 3. domiciled in the United Kingdom; and authorised to drive the Serviceholder’s Vehicle by the Serviceholder’s motor insurance certificate; and has the Service holder’s permission to make a claim; but NOT including passengers in or on the Service holder’s Vehicle at the time of the Insured Incident.

Making a Claim

To make a Claim call  0800 157 7273  . We are available 24 hours a day, every day. You can ask for assistance where: •       You need temporary transport • You have suffered losses which Your insurer does not refund (“uninsured” losses) This Service can help where you have had a motor accident which was not Your fault.

If you have a Motor Accident

Fortunately motor accidents are rare. However, when they do occur, many people have no idea what to do. You now have the protection of Driver Guardian Legal Expenses. If an accident occurs: ••• write down the details of each vehicle and driver; take the names and addresses of any witnesses; as soon as You can, call Us direct on  0800 157 7273  .

PLEASE REMEMBER, We are here to help: if You are not sure what to do, call Us. If Your vehicle is undriveable We can make arrangements for it to be towed to a place of Your choosing. PLEASE NOTE: You will have to pay the towing fees. If the accident was not Your fault, We may be able to recover these costs from the responsible party or their insurers. However, in most cases the insurers will only pay the cost of towing to a repairer nearby. If the accident was caused by another person, We may be able to supply a replacement hire vehicle if Your own is undriveable or for the duration of repairs. If You have “uninsured losses” (losses which Your own insurers will not refund to You, such as lost earnings or policy excess but not including compensation for injuries) then once Your claim is reported and accepted, We will try to recover these losses for You from the person who caused the accident or their insurers. Claims are normally handled within our Claims Centre. We may appoint a solicitor to deal with the matter.

To make a claim call the Claims Centre on  0800 157 7273

Cancelation Right

We hope that You are happy with the service provided. You have the right to cancel at any time by sending Us notice in writing. Complaints Procedure It is the intention to give You the best possible service but if You do have any questions or concerns about this insurance or the handling of a claim You should in the first instance contact:

Chief Executive Officer

Driver Guardian Limited, Guardian House, Merseyside PR9 9YF Tel:            01704 232 467 Please ensure Your Client number is quoted in all correspondence to assist a quick and efficient response.

Data Protection Act 1998

Please note that any information provided to Driver Guardian, Motorplus Limited, Qdos Broker & Underwriting Services Limited, UK Underwriting Limited and/or Ageas Insurance Limited will be processed in compliance with the provisions of the Data Protection Act 1998

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