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Excess insurance policy wording.

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Excess insurance policy wording. 


Excess Protect Policy

This Policy has been arranged by Driver Guardian Limited and Motorplus Limited and is underwritten by UK Underwriting Limited on behalf of: Ageas Insurance Limited, Registered in England No. 354568. Registered Office: Ageas House, Tollgate, Eastleigh, Hampshire, SO53 3YA.
Driver guardian Limited, registered in England No. 7560710. Registered Office: Guardian House, Marshside, Merseyside, PR9 9YF. Motorplus Limited, Driver Guardian Limited, Qdos Broker & Underwriting Services Limited, UK Underwriting Limited and Ageas Insurance 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  .
Subject to the appropriate premium having been paid We agree to cover You as set out in this Policy. Unless expressly stated nothing in this Policy will create rights pursuant to the Contract (Rights of Third Parties) Act 1999.
Important Information
This is Your Excess Protect Policy. Please spend some time reading through the Policy to ensure that it meets Your requirements. If there is anything You do not understand, please contact Your insurance broker who will be happy to assist. This is a contract of insurance between You and Ageas Insurance Limited. The insurance provided can refund Your Excess, subject to the terms, limits of indemnity, exclusions and conditions contained herein. In respect of an Insured Event which occurs within the Territorial Limits and during the Period of Insurance for which You have paid or agreed to pay the premium.

Making a Claim
In the event of a claim please do not appoint Your own solicitor as this will invalidate the cover provided by this Policy. Note that all Claims must be reported to Us within 30 days of the date of the Insured Event. If You need to notify a potential claim, please immediately write to Our Claims Department at the following address: Motorplus Claims Kircam House 5 Whiffler Road Norwich NR3 2AL Claims may be emailed to or notified by telephone on  0800 157 7273  quoting the reference ‘Excess Protect’. The claims line is open 24 hours a day throughout the year.

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 Motorplus Limited Kircam House Whiffler Road NORWICH NR3 2AL Tel:   01603 420 000  Fax:     01603 420 010 Please ensure Your policy number is quoted in all correspondence to assist a quick and efficient response. In the event You remain dissatisfied and wish to make a complaint, You can do so by contacting the following: The Customer Relations Manager UK General Cast House Old Mill Business Park Gibraltar Island Road Leeds LS10 1RJ Tel:      0845 218 2685  Email: If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service. This also applies if You are insured in a business capacity and have an annual turnover of less than €2 million and fewer than ten staff. You may contact the Financial Ombudsman Service at: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, Docklands, London, E14 9SR. Tel:      0845 080 1800  The above complaints procedure is in addition to Your statutory rights. For further information about Your statutory rights contact Your local authority Trading Standards Service or Citizens Advice Bureau.

Compensation Scheme
Ageas Insurance Limited is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme in the unlikely event that Ageas Insurance Limited cannot meet their financial responsibilities. The FSCS will meet 90% of Your claim, without any upper limit. You can obtain
further information about compensation scheme arrangements from the FSCS at, or by phoning  0207 892 7300  .

Cancelation Right
We hope You are happy with the cover this policy provides. However, You have the right to cancel it within 14 days of receiving the policy, without giving any reasons, by sending Us written notice within the first 14 days of the policy, or (if later) within 14 days of You receiving the insurance documents. Providing You have not made a claim on the Policy any premium will be refunded in full. This is known as the “cooling off period”. Thereafter any return premium will be discretionary.
The words and phrases listed below will have the following meanings:-
Unintentional and unpremeditated.
The sum that You are required to pay under the terms of Your motor insurance Policy as a contribution to the Total Loss value or repair cost of Your vehicle, following an Insured Event. Insured Event An Accidental incident involving Your motor vehicle, in respect of which You make a claim under the terms of Your motor insurance policy.
Period of Insurance

The length of time that the Policy lasts being the lesser of the duration of the motor insurance policy to which this Policy is annexed or 12 calendar months. Policy The contract between Us and You, as set out in this document. Policyholder
The person who has taken out this Policy, provided always that they are aged 19 years or over. Territorial Limits Great Britain, Northern Ireland, the Isle of Man and the Channel Islands, including transit by sea, rail or air directly between two of these places. Total Loss Damage which renders Your vehicle beyond economic repair We, Our, Us UK Underwriting Limited on behalf of Ageas Insurance Limited. UK Underwriting Limited are an insurers’ agent and in the matters of a claim act on behalf of the insurer. You, Your, Yourself The Policyholder together with any person aged 19 years or over who is named as a driver under the Policyholder’s motor policy.

This Policy Will Cover
The Policyholder having paid the premium or agreed to pay the premium on the date of inception of this Policy, We agree to provide the Insurance described below subject to the terms, conditions, limitations and exclusions contained in this Policy. Where Your vehicle is involved in an Insured Event which occurs within the Territorial Limits during the Period of Insurance, as a result of which Your vehicle is determined to be a Total Loss and Your Excess is deducted from its value, or is repaired and You are required to pay a policy Excess, We will pay to You the lesser of: a)     the value of Your Excess; or b) the sum of £500.00. The cover provided under this Policy will automatically end immediately upon the payment of a claim under section 1 above.

This Policy Will Not Cover
1.     Any claim notified more than 30 days after the date if the Insured Event. 2. Any Excess payable on warranty policies. 3.     Any Excess in respect of any malicious damage, windscreen or glass damage claims. 4.     Any Excess in respect of theft or attempted theft of personal effects. 5.     Any Excess payable under any other section of Your motor insurance. 6.     Any Excess in respect of a Policyholder named as a company only and not including the individual person(s) authorised by the company to drive the motor vehicle. 7. Any claim arising from war, invasion, other foreign hostility, civil war, rebellion, revolution, insurrection, terrorism or the usurpation of power. 8.     Any claim arising from riot or civil commotion occurring outside Great Britain, the Isle of Man or the Channel Islands. 9.     Any claim arising from radiation, radioactivity, explosion, poisoning, pollution, earthquake, flood or hail. 10. Any claim arising from sonic boom or other aerial noise or pressure. 11.     Any liability You accept by agreement or contract without Our prior agreement in writing. 12. Any loss destruction or damage that occurs whilst Your motor vehicle is being used and or driven on any racetrack, circuit or other prepared course. 13. Any Insured Event which occurs whilst Your vehicle is being driven by someone who is under 19 years of age

General Conditions
1.     We may take proceedings at Our expense and in Your name to recover for Our benefit the amount of any payment made under this Policy.
2.     If You were covered by any other insurance for repayment of Your Excess, We will pay Our proportionate share of Your Excess. 3.     You must at all times during the Period of Insurance take all reasonable steps to keep Your vehicle safe, secure and protected from damage, whether willful or otherwise. 4.     We can cancel this Policy by giving You at least 7 days notice by recorded delivery letter to Your last known address. 5. If You claim under this Policy knowing that Your claim is false or fraudulent or misrepresented in any way, the Policy will be void and any claim will not be paid. 6.     You must notify Us in accordance with the Claims Procedure set out below, as soon as reasonably possible after an Insured Event. We will not make any payment in respect of any costs, expenses or Excess incurred before We have been notified of Your claim.The amount We will pay You will be equal to the Excess which You paid or which was deducted, provided always that:- a)     the maximum amount which We will pay in respect of any claim will be the value of Your Excess or £500, whichever is the less; and b)     You have paid the appropriate premium for that level of cover. 7.     We will not pay for more than one claim in any one calendar year. 8.     The parties are free to choose the law applicable to this insurance contract. Unless specifically agreed to the contrary this insurance shall be subject to the Laws of England and Wales.
Data Protection Act 1998
Please note that any information provided to 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. Motorplus Limited is authorised and regulated by the Financial Services Authority. Regulated by the Ministry Of Justice in respect of regulated claims management activities. S-XSP 0111a


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