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Key insurance policy wording.

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 Key Insurance Policy Wording 

  

 

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 www.fsa.gov.uk/register 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.

GENERAL CONDITIONS

1.Compliance And Precautions

You must comply with each and every term of this Policy and must take all reasonable precautions to minimize the cost of any claim.

2. Cancelation The Policyholder may cancel this Policy at any time. If the Policyholder cancels within 14 days of either the inception or renewal date or the date they receive the contractual terms and conditions (whichever is later) then the Coverholder will return any premium already paid (providing that no claims have been made). If the Policyholder cancels outside this period they will not be entitled to any refund of premium.The Insurer/Coverholders may cancel the insurance by giving the Policyholder 30 days notice in writing sent to the Policyholder's last known address.

3. Alteration

The Coverholders or the Policyholder shall notify the Insurer as soon as reasonably possible of any alteration in risk which materially affects this Policy. 4. Terminology The terminology used in this Policy is that of England and Wales but shall, where appropriate, mean the equivalent terminology of any relevant jurisdiction within the Territorial Limits.

5. Communications

All communications from the Insurer or their representatives shall be deemed duly sent if sent by the Coverholders or their representatives to the last known address of the Policyholder, or the address of their representative if relevant.All communications by the Policyholder to the Insurer or their representatives shall be deemed duly sent if sent to the Coverholders.

6. Presentation of Claims by the Insured

The Policyholder must notify the Coverholders as soon as reasonably possible of any Insured Event which may give rise to a claim, complete any forms requested by the Coverholders and promptly supply such information as the Coverholders or their agents require.

7. Arbitration

If there is a dispute between the Coverholder and the Policyholder, which is not resolved by this Policy, either side may refer to the arbitration of a single arbitrator , being a solicitor or barrister agreed by the two sides. If no agreement can be reached the President of the relevant national Law Society shall name an arbitrator.The arbitrator’s decision will be final and binding on both sides.The arbitration will be governed by the rules set out in the Arbitration Acts in force at the time.The costs of arbitration shall be borne by the instigating party unless deemed otherwise by the arbitrator.

8. Assignment

This Policy may not be assigned in whole or in part without the written consent of the Coverholders.

9. Excess

No excess is payable.

 

10. Maximum Number of Claims

There is no limit to the number of separate claims which You may make within the Period of Insurance subject to the fact that the total aggregate sum which the Coverholder will pay in each Period of Insurance is £1500. 11. Governing Law 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.

BOOMERANG-TAG LTD

Kircam House, 5 Whiffler Road, Norwich, NR3 2AL.Tel: 0871 2301213Fax:01603420010 Email:mail@boomerang- tag.co.uk Web: www.boomerang-tag.co.uk Boomerang-Tag Ltd is authorised and regulated by the Financial Services Authority (305822).

THIS POLICY WILL COVER

If during Period of Insurance and within the Territorial Limits an Insured Key is lost, damaged or stolen, the Coverholder will: 1. Pay up to £1,500 in respect of locksmiths charges, new locks (if a security risk has arisen) and replacement keys (including any immobilizer, infra-red handset and/or alarm which is integral to any Insured Key if such cannot be repaired or re- programmed),car hire and onward transport costs and there-programming of immobilizers, infra-red handsets and alarms which are attached to the Fob but are not integral to an Insured Key. 2. Pay a £10 reward payable to the finder of a lost Insured Key. 3. Provide an Emergency Helpline 24 hours a day, 365 days a year.

THIS POLICY WILL NOT COVER

The Underwriters/Coverholder will not indemnify You in respect of: a) Keys lost, stolen or damaged when such keys are not attached to the Fob (unless You have already notified the Coverholder that the Fob has been lost or damaged and You are awaiting are placement, in which event the Coverholder      

Will consider a claim in respect to any key which they are satisfied would otherwise have been attached to the Fob). b) Any amount exceeding £1,500 in aggregate in the same Period of Insurance. c) Sums claimed where You do not produce receipts or invoices for payments You have made. d) Insured Keys which are lost until 5 days have elapsed since the loss (unless the Coverholder is satisfied that a delay would cause undue hardship or significant expense). e) Insured Keys lost or broken by, or stolen from, someone other than You. ) Insured Keys if there are duplicate keys available to You immediately or reasonably quickly. g) Any Insured Event not reported to the Coverholder within 30 days of the loss, theft or damage. h)Locks which are damaged prior to the loss or theft of keys. i) Replacement locks or keys of a higher standard or specification than those replaced. j) Sums exceeding £50 per incident in respect of any Insured Key locked inside property or broken in lock or ignition. k) Vehicle hire charges where a hire vehicle exceeds 1600cc. l) The balance of vehicle hire charges over a maximum sum of £40 per day. m) Vehicle hire charges after the third day of hire. n) Charges or costs incurred where the Coverholder arranges for the attendance of a locksmith or other tradesman, agent or representative at a particular location and You fail to attend. o) Charges or costs incurred where You make alternative arrangements with a third party once the Coverholder has arranged for a locksmith or other tradesman, agent or representative to attend a particular location. p) The balance of transport costs over a maximum sum of £75 per day. q)     

Loss or destruction of, or damage to, any property other than an Insured Key and its associated lock or ignition system, and any immobilizer, infra-red handset and/or alarm attached to the Fob. r) Loss or damage caused by radiation, radioactive contamination or the hazardous properties of any explosive, corrosive, invasive or toxic substance or material. s) Loss or damage caused by war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, terrorism, rebellion, revolution, military force or coup, or the actions of any lawful government or public or local authority. t) Any loss of earnings or profits which You suffer as a result of the loss or theft of, or damage to an Insured Key. u) Claims arising from any deliberate or criminal act or omission by You. v)       

Loss or theft of, or damage to an Insured Key which occurs outside the Period of Insurance. w) Claims arising as a result of Your failure to take all reasonable steps to safeguard an Insured Key.

DATA PROTECTION ACT 1998

Please note that any information provided to Motorplus Limited, Boomerang- Tag 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.

This Policy has been arranged by Driver Guardian,Motorplus Limited, Boomerang-Tag Limited and Qdos Broker & Underwriting Services 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, Motorplus Limited, Boomerang-Tag 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 www.fsa.gov.uk/register or by contacting them on  0845 606 1234  .

Unless expressly stated nothing in this Policy will create rights pursuant to the Contract (Rights of Third Parties) Act 1999.

Important Information

This is a contract of insurance between You and Ageas Insurance Limited.The insurance provided covers certain costs and expenses, subject to the terms, Limit 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

To make a claim CALL  0800 157 7273  quote the fob number.You must report any claim to the Coverholder within 30 days of the Insured Event.

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, Boomerang-Tag Limited, Kircam House,Whiffler Road, NORWICH NR3 2AL.Tel:01603420000 Fax:01603420010 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: customerrelations@ukgeneral.co.uk 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.

 Financial Services 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 www.fscs.org.uk, or by phoning  0207 892 7300  .

Definitions

Coverholder/We/Us/Our MotorPlus Ltd, Boomerang- Tag Ltd and associated and/or subsidiary companies. You/Your The Policyholder and any immediate member of their family residing at the same address as the Policyholder during the Period of Insurance. Fob The numbered tag issued to the Policyholder by the Coverholder which the Coverholder has registered in the Policyholder's name. Insured Key Any key which is attached to the Fob. Limit of Indemnity £1,500 being the maximum amount payable in aggregate in each Period of Insurance. Period of Insurance 12 months from the date of inception of this Policy. Policyholder The person in whose name the Coverholder has registered the Fob. Territorial Limits The United Kingdom. Insured Event The loss or theft of, or damage to, any Insured Key. Insurer UKUnderwritingLimitedonbehalfofAgeasInsuranceLimited.UK Underwriting Limited are an insurers’ agent and in the matters of a claim act on behalf of the insurer.

Cover supplied by Driver Guardian Limited (and others) for Citroen Owners Club Members.

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