THE COVER. If an incident involving the Insured Vehicle occurs both within the Period of Insurance and within the Territorial Limits which results in Total Loss under Your Motor Insurance Policy, this insurance will pay any financial shortfall (whichever the greater) that exists between the amount that You receive from the Motor Insurance Policy and the purchase invoice price of the Insured Vehicle and;
THE COVER. We cover you for physical loss of or damage to the subject matter covered, liability or expense on conditions as set out in the statement of cover and below.
THE COVER. Subject to payment of the premium, the Insurer will pay any excess due to be paid by You under the terms of your Rental Agreement following any valid insurance claim for damage to or loss of the Rental Vehicle occurring within the Territorial Limits up to a maximum of 1 claim in any one Rental Period.
THE COVER. 2.1. We will throughout the Term provide the Cover as set out in this clause 2 using reasonable care and skill.
2.2. Subject to exclusions above and those set out in clause 4 the Cover shall consist of:
2.2.1. a Service of Your DCHB
2.2.2. repair and replacement of parts or any defective internal components if supplied by Us
2.2.3. effective remedy of faults that are specific to the Central Heating System.
THE COVER. If during the Operative Time the Insured Person sustains bodily injury following an Accident which within two years is the sole and independent cause of Death or Disablement the Company will pay to the Insured the appropriate Benefit shown in the Schedule subject to the Maximum Incident Limit (and inner limits where applicable) as detailed in the Schedule The amount payable for Benefit 3 shall be a percentage of the amount shown in the Schedule The following scale states the percentages applicable to the forms of disablement specified For forms of permanent disablement not specified the degree of disability will be assessed by comparison with the percentages shown in the scale without taking into account the Insured Person’s occupation The appropriate percentage shall be applied to the amount for Benefit 3 shown in the Schedule or to the Limit per Person under Benefit 3 whichever is the lesser
THE COVER. If during an Insured Journey an Insured Person becomes involved in a Life-threatening Situation the Company will reimburse the Insured in respect of the costs necessarily incurred to employ the services of the Company’s security services provider Healix Security in extricating the Insured Person from such Life-threatening Situation up to the appropriate Sum Insured in respect of any one Insured Person subject to the Incident Limit as detailed in the Schedule Any situation or event occurring on an Insured Journey where the Company’s security services provider Healix Security agree that the Insured Person’s life is potentially in danger If the departure (both original and subsequent) of the means of transport on which an Insured Person is booked to travel on an Insured Journey is delayed as a direct and necessary result of strike industrial action civil commotion adverse weather conditions mechanical breakdown the Company will compensate the Insured on behalf of the Insured Person concerned for the inconvenience caused subject to the Incident Limit as detailed in the Schedule A £200 after the first 4 consecutive hours B an additional £50 for each subsequent hour delayed up to a maximum of £750 in respect of any one Insured Person If during an Insured Journey or the 120 hours immediately preceding its commencement the Insured Person loses or damages their passport visa travel tickets or other essential travel documents the Company will reimburse the Insured on behalf of the Insured Person for the necessary additional cost of travel and accommodation and other costs necessarily incurred to enable the Insured Person to obtain replacement documents up to £2,000 any one Insured Person Special Services applying to this Section –please refer to page 8 Over the phone preventative advice to help an Insured Person to safeguard their identity including guidance on measures to take to re-establish identity and credit rating. The RSA Business Travel Assistance App can be used to securely store personal documents such as passports driving licence travel documents debit and credit card details and medical records See page 9 Conditions that apply to the policy and in the event of a claim are set out in this policy wording. It is important that you comply with all policy conditions and you should familiarise yourself with any requirements Directions for claim notification are included under General Claims Settlement Conditions and Claims Settlement Conditions applying to eac...
THE COVER. If an Insured Person sustains Injury during an Insured Journey the Company will pay to the Insured on behalf of the Insured Person Legal Expenses incurred by the Insured Person or their Legal Personal Representative in pursuit of compensation against the third party who has caused the Injury up to a maximum of £50,000 Any One Claim any one Insured Person All Legal Proceedings including appeals arising from or relating to the same original cause or event Arc Legal Assistance Ltd XX Xxx 0000 Colchester CO4 5YD Telephone: 0000 000 0000 Email: xxxxxx@xxxxxxxx.xx.xx Physical injury to or death disease or illness of the Insured Person A Any fees (other than those charged only on the successful outcome of the Legal Proceedings) expenses or other disbursements including costs and fees of expert witnesses reasonably incurred by the Legal Personal Representative in connection with the Legal Proceedings or in appealing or resisting an appeal against the judgement of any court in connection with any Legal Proceedings A solicitor or other suitably qualified person appointed to act for the Insured Person or their Legal Personal Representatives in any Legal Proceedings The pursuit of a legal action in a civil court If there is a dispute between the Insured Person and the Company or ARC about this Section of the Policy it can be taken to an independent arbitrator The arbitrator will be a solicitor or barrister whom the Insured Person and ARC agree to If ARC cannot agree with the Insured Person or an arbitrator the President of the Law Society (or similar organisation) will choose the arbitrator The side that loses the arbitration will pay the costs of the arbitration If the decision is not totally in favour of one side the arbitrator will decide who pays the costs If the Insured Person loses or is asked to pay a share of the costs these costs will not be covered under this Section XXX must be able to contact the Legal Personal Representative The Insured Person and the Legal Personal Representative must co-operate with ARC about developments concerning the Insured Persons case ARC must be able to have access to the Legal Personal Representatives files if ARC requests this The Insured Person owes the same obligation to ARC as to the Legal Personal Representative The Company will have no liability in respect of Legal Expenses in respect of any matter which the Insured does not notify to the Company in accordance with the requirements of this condition As a condition preceden...
THE COVER. If during an Insured Journey an Insured Person becomes involved in a Life-threatening Situation the Company will reimburse the Insured in respect of the costs necessarily incurred to employ the services of the Company’s security services provider Drum Cussac in extricating the Insured Person from such Life-threatening Situation up to the appropriate Sum Insured in respect of any one Insured Person subject to the Incident Limit as detailed in the Schedule Any situation or event occurring on an Insured Journey where the Company’s security services provider Drum Cussac agree that the Insured Person’s life is potentially in danger in respect of any claim as a result of If the departure (both original and subsequent) of the means of transport on which an Insured Person is booked to travel on an Insured Journey is delayed as a direct and necessary result of any cause outside the Insured or the Insured Person’s control the Company will compensate the Insured on behalf of the Insured Person concerned for the inconvenience caused subject to the Incident Limit as detailed in the Schedule If during an Insured Journey or the 120 hours immediately preceding its commencement the Insured Person loses or damages their passport visa travel tickets or other essential travel documents the Company will reimburse the Insured on behalf of the Insured Person for the necessary additional cost of travel and accommodation and other costs necessarily incurred to enable the Insured Person to obtain replacement documents up to £2,000 any one Insured Person Over the phone preventative advice to help an Insured Person to safeguard their identity including guidance on measures to take to re-establish identity and credit rating.
THE COVER. Subject to payment of the premium, the Insurer will reimburse any excess paid by You under your Motor Insurance following the successful settlement of any valid insurance claim up to a maximum of 1 claim in any one Period of Insurance and provided the total amount paid under any claim on the Motor Insurance exceeds the value of the excess and that the incident leading to that claim under the Motor Insurance occurred during the Period of Insurance.
THE COVER. The Phoenix will appoint a lawyer for the insured under this cover who will defend them in criminal proceedings which are filed against them due to an insured event which occurs during the period of insurance other than offences in which there is an option to pay a fine.