Lifestyle Car Hire Excess Insurance – Policy Summary

About this document:

Please note that this policy summary does not contain the full terms and conditions of the contract of insurance, so please take time to read the policy documents to make sure you understand the cover it provides.

Insurer:

Your insurance is arranged by Motorists Insurance Services Ltd with UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE.

Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ. UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

What is covered:

Lifestyle Car Hire Excess insurance will pay on your behalf, any excess due to be paid by you under the terms of your rental agreement following any valid insurance claim for damage or loss of the Rental vehicle occurring within the Territorial Limits up to a maximum of one claim in any one rental period or period of insurance.

We will pay up to £3,000/€4,000 for any single incident during any vehicle rental agreement for the reimbursement of the excess.

Applied by the rental company.

Duration of cover:

Details of the duration of cover are shown in your policy schedule.

General Exclusions and limitations

This policy does not cover or apply to:


  1. Loss or damage incurred outside the period of insurance.
  2. Loss or damage caused by drivers:
    1. Who are not Insured Persons.
    2. Who are under 21 years of age or over 85 years of age.
    3. Who do not have a full Irish driving licence.
    4. Whose main residence is located outside Ireland, The United Kingdom, Isle of Man, or The Channel Islands.
  3. Loss or damage from the use of the Rental Vehicle in violation of the terms of the Rental Agreement.
  4. Loss or damage from the rental of vehicles where the value of the vehicle exceeds £50,000/ €65,000 or vehicles which are more than 20 years old.
  5. Loss or damage from self inflicted injury or illness, alcoholism or the use of drugs.
  6. Loss or damage from the Insured Person driving any kind of vehicle while the alcohol level in their blood is higher than the legal limit of the country where the incident occurs.
  7. Loss or damage from the use of any Rental Vehicle in racing competitions, rallying, trials, rallies or speed testing, or when driven on a motor sport circuit.
  8. Loss or damage occurring from driving whilst not on a public highway.
  9. Loss or damage from fines, damages or other penalties which an insured person is ordered to pay by a court or other authority.
  10. Loss or damage from an Insured Person’s,
    1. Actual or alleged dishonesty; or
    2. Actual or alleged violent or threatening behaviour or other criminal act.
  11. Loss or damage from any claim reported to the Administrator more than 14 days after the conclusion of the rental agreement.
  12. Loss or damage caused by the usage of the wrong fuel.
  13. Loss or damage caused by emergency repairs arising from any consequence of War, invasion, act of foreign enemy, hostilities ( whether War be declared or not) Civil War, rebellion, revolution, insurrection or military or usurped power, confiscation, requisition or damage to property by or under the authority of any government, public or local authority.

Cancellation right

You may cancel the policy at any time. You must notify us of this in writing and return the policy documentation to the address shown on the policy schedule. As this is short-period cover, there is no cancellation refund due to the nature of the policy and administration costs. The Insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 3 days notice in writing where there is valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:

  1. Fraud
  2. Non Payment Premium
  3. Threatening and abusive behaviour
  4. Non-compliance with policy terms and conditions

Making a claim

If you have a claim, please call Lifestyle Insurance by telephoning 01 431 1382 as soon as possible.

Complaints

It is the intention to give you the best possible service, but if you do not have any questions or concerns about this insurance or the handling of a claim you should follow the procedure below.

Complaints regarding the sale of your policy should be directed to:

Lifestyle Insurance,

Beechwood House,

Comber Road,

Dundonald,

Belfast,

BT16 2AA

Telephone: 0345 491 11 11

Complaints regarding a claim on your policy should be directed to:

Motorists Insurance Services Ltd,

Beechwood House,

Comber Road,

Dundonald,

Belfast,

BT16 2AA

Telephone: 028 9041 0220


If your complaint cannot be resolved by Motorists Insurance Services Ltd by the end of the next working day, it will be passed to:

The Customer Relations Department,

UK General Insurance Limited,

Cast House,

Old Mill Business Park,

Leeds

LS101RJ.

Telephone: 0345 218 2685


Email: customerrelations@ukgeneral.co.uk


Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.

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 £2,000,000 and fewer than 10 staff. You may contact the Financial Ombudsman Service at;

Financial Ombusman Service,

South Quay Plaza,

183 Marsh Wall,

Docklands,

London,

E149SR.

Telephone: 0800 0234 567

Email: complaint.info@financialombudsman.org.uk


Compensation scheme:

UK General Insurance Limited on behalf of Great Lakes Reinsurance (UK) SE.

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

Data protection:

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:

a. Help make decisions on insurance claims, for You and members of Your household. b. Trace debtors, recover debt, prevent fraud, and manage Your insurance policies. c. 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.

Consumer Insurance

You are required by the provisions of the customer Insurance (Disclosure and Representations) Act to take care to: a) b) c) 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.
  1. 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;
  2. to make sure that all information supplied as part of your application for cover is true and correct.
  3. tell us of any changes to the answers you have given as soon as possible.
    1. 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.