Car Excess Insurance - Terms & Conditions
The Lifestyle Motor Excess Insurance contract will reimburse any excess paid by you under your motor insurance policy. Following the successful settlement of any valid insurance claim in any one period of insurance and provided the total amount payable under any claim on the motor insurance policy exceeds the value of the excess and that the incident leading to that claim under the motor insurance policy occurred during the period of insurance.
If excesses apply, they will be itemised on your policy schedule.
It is our intention to give you the best possible service but if you do have any questions or complaints please contact us immediately. If there is a disagreement between us which we cannot resolve to your satisfaction you can refer the complaint to the Financial Ombudsman Services (FOS) who, once contacted, will liaise with us on your behalf. The FOS will then inform you directly of its decision. Referral to the FOS will not prejudice your rights to take subsequent Legal Proceedings. The FOS are located at:
- South Quay Plaza
- 183 Marsh Wall
- E14 9SR
- Telephone: 0845 080 1800
Your Contract with the Insurer
You must co-operate with the insurer in obtaining reimbursement of any costs that incur under the terms of this cover, which may have been caused by the action of a third party against whom you have a legal right of action.
Consumer Insurance (Disclosure and Representations) Act 2012
Under this Act, it is the duty of the consumer to take reasonable care not to make a misrepresentation to the insurer either before a consumer insurance contract is entered into or varied.
For the purposes of this act a qualifying misrepresentation is deliberate or reckless if the consumen-
- Knew that it was untrue or misleading, or did not care whether or not it was true or misleading, and
- Knew that the matter to which the misrepresentation related was relevant to the insurer, or did not care whether or not it was relevant to the insurer.
Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk
Please note that any information provided to Us will be processed by Us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area this may involve the transfer of your information to countries which do not have Data Protection laws. Any personal information provided by You may be held by the insurer in relation to Your insurance cover. It may be used by Our relevant staff in making a decision concerning Your insurance and for the purpose of servicing Your cover and administrating claims. Information may be passed to loss adjusters , solicitors, reinsurers or other service providers for these purposes. We may obtain information about You from credit reference agencies, fraud prevention agencies and others to check Your credit status and identity. The agencies will record our enquiries, which may be seen by other companies who make their own credit enquiries. We will check Your details with fraud
prevention agencies. If You provide false or inaccurate information and we suspect fraud, We will record this.
We and other organisations may use these records to:
- Help make decisions on insurance claims, for You and members of Your household.
- Trace debtors, recover debt, prevent fraud, and manage Your insurance policies.
- Check your identity to prevent money laundering unless You furnish us with satisfactory proof of identity.
This may involve the transfer of Your information to countries which do not have Data protection laws.
Under Data Protection legislation, you can ask us in writing for a copy of certain personal records held about you. A charge will be made for this service.
You are required by the provisions of the customer Insurance (Disclosure and Representations) Act to take care to:
- supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the policy;
- to make sure that all information supplied as part of your application for cover is true and correct.
- tell us of any changes to the answers you have given as soon as possible.
Failure to provide answers in-line with the requirements of the Act may mean that Your policy is invalid and that it does not operate in the event of a claim.