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car insurance www.tesco.ie Customer Hotline Number 1850 640 640 Claims Hotline Number 1850 780 780 Breakdown Assist 1800 247 121 TCI.004 (01/07) Tesco Car Insurance will provide you with a speedy, efficient and friendly service.
Depending on your query or situation, the numbers you should call are: Tesco Car Insurance is arranged by Tesco Personal Finance Limited, it is underwritten and administered by Hibernian General Insurance Ltd.
Tesco Personal Finance Limited is a joint venture between The Royal Bank of Scotland plc and Tesco PLC. Tesco Personal Finance Limited is registered in Scotland
with number 173199. Registered ofce at 24 St. Andrew Square, Edinburgh EH2 1AF. Tesco Personal Finance Limited is regulated in the UK, as a credit institution,
by the Financial Services Authority under the Financial Services and Markets Act 2000. Hibernian General Insurance Limited is regulated by the Financial Regulator
and is a member of the Irish Insurance Federation. For your protection, we may record or monitor your calls.
Tesco Personal Finance Limited acts as an insurance intermediary in the Republic of Ireland, offering a range of life and non-life products, as well as credit cards.
In arranging non-life insurance in Ireland, Tesco Personal Finance Limited acts as a non-life insurance intermediary for ACE Insurance S.A-N.V., for Financial
Insurances Company Limited (a member of the GE Financial Insurances (Ireland) Group) and Hibernian General Insurance Limited (a member of the Aviva
plc group). In arranging life insurance in Ireland, Tesco Personal Finance Limited acts as a life insurance intermediary for Hibernian Life & Pensions Limited
(a member of the Aviva plc group) and for Financial Assurance Company Limited (a member of the GE Financial Insurances (Ireland) Group).
Ignition is a registered trademark of Hibernian General Insurance Limited. www.tesco.ie Policy booklet In association with TCI.004 Cover .indd 1-2 12/01/2007 12:13:11 Tesco Car Insurance policy contents General Special notes, accident and breakdown assist phone numbers 2 Introduction 3 Complaints procedure 4 Denitions 5 Geographical limits, insurance provided, car-sharing 6 No-claims discount, replacement lock cover, fire brigade charges 7 General exceptions 8 General conditions 9 Events we will insure Section 1 - Loss of or damage to the car 11 Section 2 - Liability to third parties 12 Section 3 - Medical expenses and emergency treatment 14 Section 4 - JourneyWise accident cover 14 Section 5 - Endorsements 16 Section 6 - Personal belongings 18 Section 7 - Breakdown Assist cover 19 Tesco Car Insurance is arranged by Tesco Personal Finance Ltd, it is underwritten and administered by Hibernian General Insurance
Ltd. Tesco Personal Finance Ltd is authorised and regulated by the UK Financial Services Authority www.tesco.ie
Hibernian General Insurance Limited. Registered in Ireland number 3319. Registered Office: One Park Place, Hatch Street, Dublin 2.
Hibernian General Insurance Limited is regulated by the Financial Regulator and is a member of the Irish Insurance Federation. 1 20pp inside .indd 1 12/01/2007 12:23:09 Special Notes Important Please let us know immediately, about any
event which could lead to a claim. You can
contact us 24 hours a day, 365 days a year on
the Tesco Accident Line on 1850 780 780.
Were here to help and provide a speedy and
efficient service to make the process as easy as
possible for you. If your windscreen is damaged, please call: Allied Irish Windscreens on 1800 512 345;
or
AUTOGLASS on 1850 363 636. If your car is laid up (out of use) We will refund part of your premium for the
period from the date you return the Road
Traffic Act certificates and discs to us if your car
is laid up for at least four weeks in a row and you
suspend the insurance. As long as no claim or
loss has arisen in the current period of cover,
we will refund a percentage of your premium
based on the time your car is out of use. The
amount we will refund will depend on how
much cover is left on your policy.
For example, if you do not cancel the fire
and theft cover, we will refund 75% of your
premium. Using your car abroad We will automatically extend your policy to
include the terms of endorsement PC69,
providing policy cover within the EU, for 31
days in any period of insurance for your car. The following covers do not apply when you are
using your card abroad: Driving other cars under Section 2D (page 13) and Section 7 - Breakdown Assist Cover If you need a Green Card, we will give you one
free of charge. Please contact us at least one
week before your journey. Tesco Breakdown Assistance Helpline number
1 800 247 121 (this call is free)
If you are calling from Northern Ireland,
England, Scotland or Wales, phone
00 353 91 501 629.
For full details of Breakdown Assist cover, see
page 19. 2 20pp inside .indd 2 12/01/2007 12:23:09 Introduction Welcome to Tesco Car Insurance We have enclosed your policy schedule and
Road Traffic Act certificates of insurance
and discs separately. You should read these
as one document together with your policy.
The schedule shows your cover and any extra
benefits or amendments which may apply. If you decide that you do not want to accept
this policy, return the certificate and disc of
insurance within 14 days of the start date of
your policy. As long as you havent made any
claims, we will work out the premium for the
period we have been insuring you and refund
the balance. Tesco Car Insurance policy Tesco Car Insurance is arranged by Tesco
Personal Finance Ltd. It is underwritten and
managed by Hibernian General Insurance
Limited. This policy booklet, the information you have
provided and the schedule form the contract
of insurance between you (the policyholder)
and us (Hibernian General Insurance Limited). In return for your premium, we will provide
the cover shown in the schedule for accident,
injury, loss or damage that happens within
the geographical limits during the period of
insurance. Statement of demands and needs We have not given you a personal
recommendation as to whether this policy is
suitable for your needs. This product meets the demands and needs
of those who want to make sure that their car
is insured against fire, theft and accidental
damage (accidental damage only applies to
comprehensive policies), as well as against
causing an injury to another person or damage
to their property. Please check your policy schedule for the cover
that applies under your policy. The Third EU Non-Life Directive states
that we must give you the following
information. The law which applies to the contract Under European law and the law of the
Republic of Ireland, you and we can choose
the law which will apply to this contract. We
propose that the law of the Republic of Ireland
will apply. This insurance is provided by us, Hibernian
General Insurance Limited. We are set-up and
based in Ireland. 3 20pp inside .indd 3 12/01/2007 12:23:10 Complaints procedure If you have any complaint about the insurance
contract, you should contact: Customer Feedback Team Tesco Car Insurance Unit 18, Avenue 5200,
Airport Business Park, Cork Phone: 1850 640 640 If your complaint is not sorted out to your
satisfaction, please write to the Managing
Director, Hibernian General Insurance Limited,
One Park Place, Hatch Street, Dublin 2. If you are still not satised, you may contact the
following organisations: The Irish Insurance Federation's Insurance Information Service 39 Molesworth Street, Dublin 2. Phone: 01 676 1914 Fax: 01 676 1943 E-mail: iis@iif.ie Website: www.iif.ie The service can advise you on how to continue
further, and may be able to help sort the
problem out. The Financial Services Ombudsman
Bureau 3rd Floor, Lincoln House, Lincoln Place, Dublin 2 Phone: 01 6620899 Fax: 01 6620890 Lo-call: 1890 88 20 90 E-mail:
enquiries@financialombudsman.ie Website: www.financialombudsman.ie You will not lose your right to take legal action
if you contact either of the above. Insurance Act 1936 (Section 93) All money which is paid or may be paid by
us to you under this policy will be paid in the
Republic of Ireland. Finance Act 1990 The appropriate stamp duty has been or will be
paid in line with section 113 of the Finance Act
1990. Signed on behalf of the company By authority of the Board 4 20pp inside .indd 4 12/01/2007 12:23:11 Denitions Throughout the text certain words have a
specific meaning wherever they appear and
we have defined these below. Bodily injury Injury resulting directly from an accident
caused by something violent and visible. Car Any vehicle you have given us details of and
which we describe under the heading of
Vehicles or classes of vehicles, the use of which
is covered in the certificate we have given you
and which is still in force. Certificate The current document that proves you have
the motor insurance you need by law. The
certificate shows who can drive your car, what
you can use it for and what cars you are allowed
to drive. It is proof that you can use your car on
a road or in any other public place, as needed by
the Road Traffic Acts. The certificate does not
show the cover you have. Endorsement Changes in the terms of your policy. These
are shown in your schedule and described in
section 5 of your policy. Excess The amount you will have to pay towards any
claim. Loss of a limb (section 4) Having a limb cut off or permanent loss of use
of the limb at or above the wrist or ankle. Period of insurance The period of time covered by this policy, as
shown in the schedule, and any further period
that we agree to insure you for. Person insured (section 4) The person named in the schedule as being
insured. Private car Any vehicle built mainly for carrying
passengers and taxed for private use only. Schedule The document which gives details of the cover
you have. Tesco Car Insurance Your agent, Tesco Personal Finance Ltd, is
authorised and regulated by the UK Financial
Services Authority. They are described
as Tesco Car Insurance throughout this
document. We, us, our Hibernian General Insurance Limited You, your The policyholder named in the schedule. 5 20pp inside .indd 5 12/01/2007 12:23:11 Tesco Car Insurance Policy Geographical limits We will provide insurance as set out in this
policy for events which may happen in the
Republic of Ireland, Northern Ireland, Great
Britain, the Isle of Man or the Channel Islands
during any period of insurance. Insurance provided (see your policy schedule) Depending on the terms, exceptions and
conditions of this policy, the following
sections will apply when cover is: comprehensive - 1, 2, 3, 5, 6 and 7 third party 1 (applies only for loss or fire and theft - damage to your car caused directly by fire, self- ignition, lightning, explosion, theft or attempted theft). Windscreen damage may not apply. 2, 3(b), 5, 6 and 7 If shown in the
policy schedule - 4 Car-sharing When your car is being used for social or similar
purposes to carry passengers and you receive
contributions for this, we will not consider it to
be using your car for hire or reward as long as: a your car is not built or adapted for more than eight passengers; b you are not carrying passengers as a business; and c the total contributions you receive do not mean you make a profit. If you are not sure about your cover, please
contact us. 6 20pp inside .indd 6 12/01/2007 12:23:12 Tesco Car Insurance Policy No-claims discount We will reduce the renewal premium (apart
from the amount we charge under section 4)
according to the following scale if no claim is
made or arises under this policy in the period
of insurance. Period of insurance Reduction One year 10% Two years 20% Three years 30% Four years 40% Five years 50% Any payment we make for fire or theft claims
will not affect your no-claims discount. You earn the no-claims discount on each car
separately if you insure more than one car with
us. Replacement lock cover If the car keys or lock transmitter of your car
is lost or stolen, we will pay for the cost of
replacing: 1 the door locks and boot lock;
2 the ignition steering lock; and
3 the lock transmitter and central-locking interface. However, you must prove to us that any person
who may have your keys or transmitter is
likely to know where you keep your car. We
will not take off the excess and your no-claims
discount will not be affected if you claim under
this section. Fire brigade charges We will pay for charges made by a fire authority
under the Fire Services Act 1981 to: control or put out a fire in your car (in circumstances which have given rise to a
valid claim under your policy); or remove the driver or passengers from the car using cutting equipment. The most we will pay is 1,000. 7 20pp inside .indd 7 12/01/2007 12:23:12 General exceptions We will not pay for the following except
where it is necessary to meet the
requirements of road traffic legislation. 1 Any accident, injury, loss, damage or liability which happens if any vehicle
shown in the certificate is, at the time of
the accident, being driven or used other
than as allowed under the terms of the
certificate. 2 Any liability you have under an agreement which you would not have if the agreement
did not exist. 3 Any accident, injury, loss or damage (except under section 2) arising during or as a result
of: (a) an earthquake; or (b) a riot or civil commotion happening
some where else other than Ireland, Great
Britain, the Isle of Man or the Channel
Islands (unless you can prove that the loss,
damage or injury was not caused by that
riot or civil commotion). 4 Loss or damage (except under section 2) directly caused by pressure waves as a
result of aircraft and other flying objects
travelling at or above the speed of sound. 5 A
a Loss or damage to any property or any indirect loss or expense (consequential loss). b Any legal liability directly or indirectly caused by, contributed to or arising from: ionising radiation or contamination by radioactivity from any irradiated nuclear fuel or from any nuclear waste from burning nuclear fuel; or the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear assembly or part of it. B Any consequence of war, revolution or a similar event. C Any consequence of an act of terrorism, including any action taken to control or
prevent an act of terrorism. Terrorism means an act or threat of force or
violence by any person or group, whether
acting alone or in connection with any
organisation, whose intention is to influence
any government or to place the public, or any
section of the public, in fear. 8 20pp inside .indd 8 12/01/2007 12:23:12 General conditions Keeping to the policy conditions 1 You must keep to these conditions before we will make any payment under this
policy. a The answers in any proposal and
declaration for this insurance must be true and complete as far as you know. The proposal and declaration will form the basis of this contract. b You or any other person on whose
behalf payment is claimed must keep to the terms and conditions of this policy. c You must let us know about any
relevant facts that may possibly affect our decision to provide insurance, since the start date of the policy or your last renewal date (whichever is the latest). If you do not tell us these facts, your policy may not provide the cover you need or may not be valid at all. d Any person whose driving is covered
by the terms of the certificate must hold a licence to drive that vehicle or, if they have held a licence to drive that vehicle, must not have been disqualified from holding that licence. Claims 2 You or any other person we cover under paragraph 4 of the certificate must: a write and let us know immediately about any event which may lead to a claim under this policy, with all the details we may need; b write and tell us immediately if you
become aware of any prosecution or inquest in connection with the event; c not admit, deny, negotiate or settle a claim without our written permission; d send us all documents, proof,
information and any letter or legal summons or similar document we may reasonably need; and e co-operate fully with us in investigating and handling any claim. We may do the following: a We may take over and carry out in
your name (or that of any person defined as an insured person under section 2 of this policy) legal proceedings to defend or settle any claim, or to prosecute in your name (or the name of another person) any claim for our own benefit. We will decide how any proceedings are carried out or how any claim is settled. b If we have to meet any legal liabilities
under this insurance as a Road Traffic Act insurer, we have the right to ask you (or any other person) to repay us if you have not kept to the terms, conditions and exceptions of this policy. c If the law of any country in which this policy applies, or an agreement between insurers and government (for example, the Motor Insurers' Bureau of Ireland agreement) says we must make any payment on your behalf which we would not otherwise have paid, we have the right to: 9 20pp inside .indd 9 12/01/2007 12:23:13 get the amount back from you; or get the amount back from the person who was responsible; or get the amount back from both of you. Mid term alterations 3 If you make an alteration to your policy and this results in an adjustment in premium, we
will not charge you for premium adjustments
less than 20, nor will we refund you any
premium amounts of less than 20. Cancellation 4 You may cancel this policy at any time by returning your certificate of motor
insurance and windscreen disc to us. As
long as no claim has happened during the
current period of insurance, we will work
out the premium for the period for which we
have insured you and refund any balance.
If you cancel the policy during the first
year, the refund will be based on our short-
period rates. However, if you cancel within
14 days of the start date, we will work out
the premium for the period we have been
insuring you and refund the balance. Short period rates Period for which policy Percentage of cover applied in the yearly premium first year that could be refunded Not more than 21 days 80% Not more than 1 month 70% Not more than 2 months 60% Not more than 3 months 50% Not more than 4 months 40% Not more than 5 months 30% Not more than 6 months 20% Not more than 7 months 10% 8 months or over 0 We may cancel this policy by sending 10 days
notice by registered letter to your last known
address. You will then be entitled to a refund of
part of your premium.
We may cancel this policy without having to
give you any reason. Fraud 5 If any claim is fraudulent in any way, or if you or anyone acting on your behalf has used
any type of fraud, you will lose all benefit
under this policy. This will also apply if you
exaggerate a claim or if you send forged or
false documents to us. Duty to take care 6 You must take all reasonable steps to prevent accident, injury, loss or damage,
and must keep your car in a roadworthy
condition. You must allow us to examine
your car at any time. Arbitration 7 Any dispute between you and us (about our liability over a claim or the amount to be
paid) must be referred (within 12 months
of the dispute arising) to an arbitrator
appointed jointly by you and us. If you
and we cannot agree on an arbitrator, the
President of the Law Society of Ireland will
decide on the arbitrator and the decision of
that arbitrator will be final. If you do not refer
the dispute to arbitration within 12 months,
we will treat the claim as abandoned. Replacement or extra car 8 You must:
a immediately give us full details of any replacement or extra private car (if you
do not give us those details, you will
have no cover under this policy for that
replacement or extra car); 10 20pp inside .indd 10 12/01/2007 12:23:14 b pay us any extra premium due; and c let us know if you get rid of the car so you can qualify for a refund of your premium. Other Insurance 9 a If at the time of any claim you have another insurance policy covering the same loss, damage or liability, we will pay only our share of the claim. b If at the time of any claim any other insured person (defined in section 2 - Liability to third parties) has another insurance policy covering the same loss, damage or liability, we will not pay any part of the claim. Events we insure Section 1 - Loss of or damage to the car We will pay for loss of or damage to the car
or any part of it or its accessories and spare
parts (whether on your car or in your private
garage), and loss or damage while it is being
transported by sea (including loading and
unloading) between any ports in the territories
covered by this policy. We may:
repair or replace the car or any part of it; or
pay a cash amount for the loss or damage. Hire-purchase or contract-hire
agreement If we know that your car is covered by a hire-
purchase or contract-hire agreement, we
will pay any claim to the owner described in
the agreement. We will then have no further
liability for the payment. Windscreen damage We will pay for loss of or damage to the glass in
your cars windscreen or any other car window (not including the sunroof) and any scratching
on the bodywork as a result of the breakage. We may:
repair or replace the windscreen; or
pay a cash amount for the loss or damage. If you use Allied Irish Windscreens (Phone 1800
512 345) or Autoglass (Phone 1800 36 36 36)
for the replacement or repair there is no limit
applicable. If you use any other windscreen
repairer there is a limit of 225. Any payment
will not affect your no-claims discount (see
page 7), and we will not ask you to pay any
excess if you claim. Towing charges We will pay the reasonable cost of protecting
and removing your car to the nearest repairer
if, as a result of any loss or damage insured
under this section, you cannot drive the
car. We will also pay the reasonable cost
of delivering it to you within the territories
covered by this policy after the repair,
replacement, reinstatement or recovery. We
will pay the reasonable cost of storing your car. New car replacement We will replace your car with a new car of the
same make and model (if a car is available in
the Republic of Ireland) if:
you are the original and only owner of your car from new; and within 12 months of first registering your car, it is stolen and not recovered or is
lost or damaged (in a single accident)
and the cost of the repair, reinstatement
or replacement is more than 50% of the
current Republic of Ireland list price of the
car when new. To take advantage of this benefit, you must
insure the car for its full replacement cost for at
least 12 months after first registering it. 11 20pp inside .indd 11 12/01/2007 12:23:14 Exclusions We will not pay for: 1 loss in value, wear and tear, mechanical, electrical or electronic breakdown; 2 damage to tyres by braking, punctures, cuts or bursts; 3 loss of use;
4 loss or damage over the current market value of the car at the time of loss or the
amount shown under Vehicle in the policy
schedule, whichever is less; 5 any amount over 5% of the insured value of the car, or 650, whichever is less, for
loss or damage to radio, hi-fi, car-phone
or CB radio equipment, unless we agree
otherwise; or 6 any more than our share for loss or damage if, at the time of a claim, there is any other
policy covering the loss or damage. Section 2 - Liability to third parties We will pay: the full amount an insured person (or their legal personal representatives) may have
to pay for being legally liable for a persons
death or bodily injury; and up to 30,000,000 including costs and expenses, the amount an insured person
(or their legal personal representatives)
may have to pay for being legally liable for
damage to property; arising as a result of an accident caused by
or in connection with the car. A Denition of insured person
For the purpose of insurance under this
section, the term insured person means: 1 you; 2 any person entitled to drive under the terms of the certificate other than a person in the motor trade driving the car for purposes of overhaul, upkeep, or repair; 3 any person, with your permission, using but not driving the car for social, domestic and pleasure purposes; 4 any person, with your permission, who is in, getting into or getting out of the car; 5 the owner of the car (if you ask us); and 6 the employer or business partner of any person whose business use is covered by the terms of the certificate. B Legal costs We may pay the following legal costs
if they relate to an incident which is
covered under this section. 1 The fees of solicitors asked to represent anyone we insure at a coroners inquest or defence in any district court. 2 The costs of defence against a charge, under subsection 2(A) of Section 53 of the Road Traffic Act 1961, of manslaughter or causing death or serious bodily harm by dangerous driving. 3 All other legal costs and expenses which are run up in defending any claim for bodily injury or damage to property arising as the result of an accident caused by or connected to the car and for which the insured person may be legally liable. You must have our written permission
before we will make any payment. 12 20pp inside .indd 12 12/01/2007 12:23:15 C Compulsory insurance in the European Union and other countries We will extend the insurance under this
section to give the minimum cover needed
by law relating to compulsory insurance for
vehicles in any country which: is a member of the European Union; or has, according to the Commission of the European Union, made arrangements to
meet Article 7(2) of the EC Directive on
insurance of civil liabilities arising from
using motor vehicles (number 72/166/
EEC). D Driving other cars We will pay: the full amount you may have to pay under this section for being legally liable for a
persons death or bodily injury; and up to 30,000,000 for the amount you may have to pay for damages and for the
costs and expenses of the person claiming
for damage to property; as a result of an accident caused by or in
connection with you driving any other private
car you do not own. E Unspecied detached trailers We will, on behalf of an insured person (or their
legal personal representatives), pay: the full amount they may have to pay under the Road Traffic Acts for being
legally liable for a persons death or bodily
injury; and up to 30,000,000 for the amount they may have to pay under the Road Traffic
Acts for damages and costs and expenses
of the person claiming for damage to
property; for any detached single-axle trailer that weighs
up to half a tonne when not loaded. Exclusions to section 2 Unless we must do so under the road traffic
legislation, we will not pay: 1 for damage to property owned by or in the possession or control of the insured
person; 2 for death of or bodily injury to any person driving the car, or in charge of it for the
purpose of driving it; 3 if the insured person has cover for the liability under another policy; 4 for bodily injury to any person arising out of and in the course of that persons
employment by the insured person, or 5 for any loss, damage, liability or injury arising from caravans, mobile homes,
trailer tents, boat trailers, and any trailer
which includes machinery or other
equipment. 13 20pp inside .indd 13 12/01/2007 12:23:15 Section 3 - Medical expenses and
emergency treatment We will pay: A you for any accidental bodily injury suffered in direct connection with the car
up to 130 for each person for medical
expenses any occupant has to pay
(including the driver of the car); and B the cost of emergency treatment for injuries caused by or arising out of using
any motor vehicle which we cover under
this policy if liability for that treatment
arises under the Road Traffic Acts. Section 4 - JourneyWise accident cover We will pay the following benefits for the
events described: (a) death 26,000 (b) total and permanent
loss of sight in one or both eyes 26,000 (c) loss of one or
more limbs 26,000 (d) for each complete day
you or they spend as an inpatient in hospital for up to 20 days 130 We will pay benefits to any person insured
who is injured: A while in, getting into or getting out of a private car B while in, getting into or getting out of any train, bus, taxi, aircraft, boat, ship
or hovercraft, but only as a fare-paying
passenger; or C while as a pedestrian involving any road vehicle, train or aircraft. The injury must be the only cause of death,
loss of sight in one or both eyes, or loss of a
limb of the person insured. Notes applying to section 4 1 If you or any person insured dies, we will pay death benefit to the legal personal
representatives. 2 The cover in this section applies worldwide. 3 If we pay benefit under this section, it does not affect your no-claims discount. 14 20pp inside .indd 14 12/01/2007 12:23:15 Exclusions to section 4 1 We will not pay for any person insured: a taking part in racing, rallies, trials, speed-testing or motorcycling; b affected (temporarily or otherwise) by
alcohol, drugs or solvent abuse; c having a blood or urine alcohol level above the legal limit shown in the Road Traffic Acts and any further regulations; d more than one of the amounts
payable under the benefits a, b or c under this section in connection with the same accident; or e who lives permanently outside the Republic of Ireland. 2 We will not pay for death or bodily injury: a due to suicide or attempted suicide; b caused, prolonged or made worse by
any illness or disability you had before the accident; or c which does not happen within six months of the date of the accident. Conditions which apply when settling
claims under section 4 Any person insured or their legal personal
representatives must:
a let us know as soon as possible after any accident which may give rise to a claim
under this policy; and b produce any medical certificates and any other evidence which we may need and
pay any costs involved in doing this. We will: a if any person insured dies, be entitled to have a post-mortem examination which
we will pay for; and b have the right to ask any person insured to have a medical examination which we will
pay for. You cannot transfer to anyone else your rights
to any benefit under this policy. When we have no further liability
When any person insured, or their legal
personal representatives, receives any benefit
we have paid, we will have no further liability
under the policy. 15 20pp inside .indd 15 12/01/2007 12:23:16 Section 5 - Endorsements The endorsements in this section which are
shown in your policy schedule will also apply. PC1 Driver qualication (full EU licence) In general condition 1d, we are replacing the
words must hold a licence with the words
must hold a full EU licence. PC2 Driver qualication (EU licence-full or provisional) In general condition 1d we are replacing the
words must hold a licence with the words
must hold an EU licence. PC3 Driver qualication (open driving - option 1: 25-70 full EU licence) a In general condition 1d, we are
replacing the words must hold a licence with the words must hold a full EU licence for all drivers. b We will not provide cover under the
policy while the car is being driven by, (or is in the charge of, for the purpose of being driven by) any person who is under 25 or over 70 years of age. PC4 Driver qualication (open driving - option 2: 25 - 70 full EU licence plus named drivers) a In general condition 1d, we are replacing the words must hold a licence with the words must hold a full EU licence for all drivers, except as shown in c below.
b No cover operates under the policy
while the car is being driven by (or is in the charge of for the purpose of being driven by) any person who is under 25 or over 70 years of age unless that person is named in the schedule which is attached to this policy. c No cover operates under the policy while the car is being driven by (or is in the charge of for the purpose of being driven by) any person who holds a provisional EU licence unless that person is named in the schedule which is attached to this policy. PC11 Excluding driving other cars
We have cancelled clause D of section 2 of the
policy headed Driving other cars. PC14 Excess - accidental damage
For each event under section 1 of the policy,
we will not pay the first amount (shown in the
schedule as excess) we would otherwise pay
for loss or damage to the car other than by fire,
self-ignition, lightning, explosion or by theft or
attempted theft.
Any amount in the schedule applies as well as
any other amount (excess) for which we are not
liable under this policy. PC28 Farmers
We will not pay for damage to the car caused by
the goods you are carrying. 16 20pp inside .indd 16 12/01/2007 12:23:16 PC69 Foreign use This policy will apply for the period shown in
the international motor insurance card (Green
Card) we have issued for the car while it is in
any of the countries the Green Card applies to
or while being transported between any ports
in those countries.
If you claim for a risk we insure, we will also
cover any costs you have as a result of being
forced to pay a customs duty or a Spanish Bail
Bond. PC70 Specied trailers (see the schedule for the cover which applies) We will extend the cover under this policy
to the trailers described in the schedule of
the policy while attached to your car, for the
purposes of being operated or drawn, or
detached and not being used. The cover for
the trailer is shown in the schedule. We will not
be liable for any loss, damage, liability, or injury
arising out of any event which happens while
your car is pulling more trailers than is allowed
by law. PC71 Windscreen damage - third-party fire and theft We will extend the cover under this policy to
pay for loss of or damage to the glass in your
cars windscreen or any other car window (not
including the sunroof) and any scratching on
the bodywork as a result of the breakage.
We may repair or replace the windscreen or
pay a cash amount for the loss or damage. If
you use Allied Irish Windscreens (Phone 1800
512 345) or Autoglass (Phone 1800 36 36 36)
for the replacement or repair there is no limit
applicable. If you use any other windscreen
repairer, there is a limit of 225. Any payment will not affect your no-claims
discount (see page 7) and we will not ask you
to pay any excess if you claim.
You must pay an extra premium for this cover. PC72 Second car discount We will allow an appropriate discount off your
premium if:
there is a second car in your household
belonging to you or your partner, which is
currently insured under a motor policy; and
the driving option on your policy is 'insured
and partner'. PC99 Special claims excess where you do not tell us about penalty points It is a condition of this policy that you let
us know if any driver under this policy has
received penalty points on his or her licence.
If you do not keep to this condition, you will
have to pay a policy excess of 2,500 as well
as any existing policy excess, which means that
we may not pay for at least the first 2,500 for
any claim.
If we have to deal with a claim from a third
party, we may want to recover the first 2,500
from you. PC202 (B) Spare parts clause for Japanese
or Far Eastern imports For each event where replacement parts
are needed to repair the car and the parts
are not available or out of stock from the
manufacturers European representatives
or agents, you must pay the cost of the
replacement over the price shown in the latest
makers price list. 17 20pp inside .indd 17 12/01/2007 12:23:17 PC208 Optional no-claim discount
step-back If you make a single claim or one arises during
any period of insurance, we will reduce your
no-claims discount as follows.
50% to 20%
40% to 10%
30% or less to nil
You must pay an extra premium for this cover. PC302 Protected no-claim discount
You may make up to two unlimited claims in
a three-year period without losing your no-
claims discount. We will not take account of
claims for windscreen breakage or fire or theft
for the purposes of this endorsement.
You must pay an extra premium for this cover. PC5,000 Mileage discount
We will take the appropriate mileage discount
off your premium as long as you do not drive
more than 5,000 miles a year. PC10,000 Mileage discount
We will take the appropriate mileage discount
off your premium as long as you do not drive
more than 10,000 miles a year. PCYD1 Exclusion of accidental damage For each event under Section 1 of the policy,
we will not pay for loss or damage to the car
other than by fire, self-ignition, lightning,
explosion or by theft while the car is being
driven by or is under the direct control of any
driver between the hours of 11pm and 6am. Section 6 - Personal belongings We will pay up to 150 for any one event for
any loss of or damage to personal belongings
in the car caused by fire, accident or theft. We
may, if you ask, pay the owner of the property
directly.
If we make a payment under this section, it will
not affect your no-claims discount. Exclusions
We will not pay for loss or damage to:
money, stamps, documents or securities (such as share and Premium Bond
certificates); or goods or samples carried in connection with any trade. 18 20pp inside .indd 18 12/01/2007 12:23:17 Section 7 - Breakdown Assist cover We will pay for the following kinds of
breakdown Mechanical breakdown, fire, theft or
attempted theft, malicious damage, punctures
that need help to fix or to replace a wheel, lost
keys, stolen keys, and keys broken in the lock
or locked in the car.
Cover applies in the 32 counties of Ireland, and
in England, Scotland and Wales.
However, we do not cover the benefits
Finishing the journey or Theft of your car
while your car is in England, Scotland or Wales
(apart from as set out below). We will not be liable for any expenses you
run up without our approval beforehand, or
for expenses you run up without dialling the
Freephone number first - 1 800 247 121.
We are entitled to provide what we consider
to be the most suitable benefit at the time
you need the assistance. This is because not
all options are always available to us at the
time of the breakdown. The following benefits are available:- 1 Roadside and driveway assistance
We will send a competent repairer to help you
at the scene. If your vehicle can be repaired
immediately, we will provide up to one hours
free labour. You must be with the car when the
repairer arrives. If you are not with the car and
we cannot help you, you must pay for any help
you then need. 2 Towing
We will cover the cost of towing the car to:
the nearest competent repairer; or your own garage;
whichever is closer. 3a Finishing the journey in the 32 counties of Ireland (Cover only applies when you are more
than 30 kilometres from your home.) If repairs cannot be carried out at the
scene, we will pay for: transport for you and your passengers
to your intended destination; or a replacement car for up to 48 hours
and transport back to collect your car when repaired; or bed-and-breakfast accommodation
while you and your passengers are waiting for repairs to be finished (up to 35 for each person, and 150 in total). 3b Finishing the journey in England, Scotland or Wales If the repairer is not able to carry out
repairs at the scene of the breakdown, we
will provide a replacement car for up to 48
hours. The most we will pay for this is

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