Important: Please read and keep it safe Twilight Insurance Policy J16733_SMOOV12154_0317.indd 1 30/03/17 9:53 am Motor Claims Helpline from Comfort Insurance Page Welcome to Comfort Insurance 2 Important How to Claim 2 The Contract of Insurance and Information and changes we need to know about 3 • Please report all accidents to us immediately on 0800 0280 038 so we can tell you what to do Information about your policy 5 next and help resolve any claim. Definitions 6–7 24 hour assistance, 365 days a year • Following an accident/emergency Section I Loss of or damage to your camper van 8–11 • To make a claim • For glass breakage/damage Section II Your liability 12–14 Section III Your Accident Injury to you or your domestic partner 15 UK Accident card Section IV Get back on the road, fast. Please report all accidents to us Medical Expenses 15 We recommend you immediately so we can tell you what to do next and help Section V resolve any claim. carry these details with you in Personal effects, luggage & ancillary equipment 16 In your purse, wallet or mobile Claims, Glass phone for use if you are involved Section VI in an incident covered Payments made under compulsory insurance regulations and rights of recovery 16 0800 0280038 by this insurance. Section VII (lines open 24 Hours a day, 7 days a week) Calls may be recorded and/or monitored Emergency treatment 17 Please contact your insurance adviser if you require Section VIII any additional assistance Vehicle recovery in the event of illness 17 Section IX No claim entitlement 17–18 Your Accident Section X European Overseas Continental Use 18–19 Get back on the road, fast. Please report all accidents to us immediately so we can tell you what to do next and help Section XI resolve any claim. Replacement locks 19 Accident/Glass Section XII +44 1603 603 047 Breakdown 19 Section XIII Personalised Registrations 19 Section XIV Continental accident recovery 20–21 Section XV Motor Legal Protection 22–24 It is recommended your take a copy of the European Accident claims form if you are travelling abroad. General Exclusions 25–26 General Conditions 27–30 Complaints Procedure 31 J16733_SMOOV12154_0317.indd 2 30/03/17 9:53 am contents Page Welcome to Comfort Insurance 2 How to Claim 2 The Contract of Insurance and Information and changes we need to know about 3 Information about your policy 5 Definitions 6–7 Section I Loss of or damage to your camper van 8–11 Section II Your liability 12–14 Section III Injury to you or your domestic partner 15 Section IV Medical Expenses 15 Section V Personal effects, luggage & ancillary equipment 16 Section VI Payments made under compulsory insurance regulations and rights of recovery 16 Section VII Emergency treatment 17 Section VIII Vehicle recovery in the event of illness 17 Section IX No claim entitlement 17–18 Section X Continental Use 18–19 Section XI Replacement locks 19 Section XII Breakdown 19 Section XIII Personalised Registrations 19 Section XIV Continental accident recovery 20–21 Section XV Motor Legal Protection 22–24 General Exclusions 25–26 General Conditions 27–30 Complaints Procedure 31 J16733_SMOOV12154_0317.indd 1 30/03/17 9:53 am The Contract of Insurance and Information and changes we need to know about The Contract of Insurance welcome This policy is a contract of insurance between the policyholder and us. The policyholder enters into a contract with us when they agree to take out the policy on the terms and conditions we have offered and to pay the premium. It is the policyholder’s responsibility to ensure that all persons insured are aware of the terms of this policy. Welcome to Comfort Insurance. This policy forms part of your legal contract The following elements form the contract of insurance; please read them and keep them safe: with the insurer and defines exactly what you are covered against. There are • policy booklet, two choices of cover. Please refer to your policy schedule for confirmation of • information on your application and/or statement of fact document, the level of cover you have chosen. • policy schedule, • any clauses endorsed on your policy, as set out in your policy schedule, Comfortline MC Assist • certificate of motor insurance, • changes to your policy contained in notices issued at renewal, • the information under the heading “Important Information” which we provide to you when you take out or renew your policy. 0800 0280038 In return for paying your premium, we will provide the cover shown in your policy schedule under the terms As a Comfort Insurance policyholder you have access to Comfortline MC Assist – a freephone number offering and conditions of this policy booklet during the period of insurance. Any changes agreed during the period of help and assistance in the United Kingdom, the Channel Islands and the Isle of Man and operating 24 hours insurance will be treated as a continuation of the contract of insurance. a day, 365 days of the year. If you have an accident or loss whilst abroad, you should contact our helpline on Our provision of insurance under this policy is conditional upon you observing and fulfilling the terms, +44 1603 603 047 provisions, conditions and clauses of this policy. Renewal of the contract of insurance How to claim Each renewal of the policy represents a new contract of insurance. If you wish to make a claim, phone Comfortline MC Assist and a Personal Incident Manager will record details of the incident and will be able to confirm: (i) For existing customers who pay monthly by direct debit to Aviva the policyholder enters into a new • Whether your policy covers you for the incident contract of insurance with us commencing on the cover start date shown on your renewal schedule. • Any excess that you will have to pay (ii) For existing customers who pay annually or monthly, other than as set out in paragraph (i) above, • All the steps involved in the process of making a claim the policyholder enters into a new contract of insurance with us commencing on the date when the If you are involved in an accident, phone Comfortline MC Assist and if the incident is covered we will arrange policyholder agrees to renew the policy and to pay the premium. Persons insured will be covered for the for: period of insurance shown on your renewal schedule. • Your vehicle to be recovered Information and changes we need to know about • A safe passage home for you and your passengers You must take reasonable care to provide complete and accurate answers to the questions we ask when you • Your Personal Incident Manager to talk you through the claims process take out, make changes to, and renew your policy. If the incident is not covered under your policy we can still arrange to assist you, however a charge will be made. Please tell Comfort Insurance immediately to let us know if there are any changes to the information set out in the application form/Statement of Fact, certificate of motor insurance or on your policy schedule. You must Important When telephoning Comfortline MC Assist, please have your vehicle registration number ready. This will also tell Comfort Insurance immediately to let us know about the following changes: enable your Personal Incident Manager to find your policy records quickly and provide the level of service you • A change to the people insured, or to be insured. expect. For our joint protection, calls may be recorded and/or monitored. • Motoring convictions (driving licence endorsements, fixed penalties or pending prosecutions for any motoring offences) for any of the people insured, or to be insured. • Criminal convictions for any of the people insured, or to be insured. • A change of vehicle. • Any vehicle modifications. 2 3 J16733_SMOOV12154_0317.indd 2 30/03/17 9:53 am The Contract of Insurance and Information and changes we need to know about The Contract of Insurance This policy is a contract of insurance between the policyholder and us. The policyholder enters into a contract with us when they agree to take out the policy on the terms and conditions we have offered and to pay the premium. It is the policyholder’s responsibility to ensure that all persons insured are aware of the terms of this policy. The following elements form the contract of insurance; please read them and keep them safe: • policy booklet, • information on your application and/or statement of fact document, • policy schedule, • any clauses endorsed on your policy, as set out in your policy schedule, • certificateof motor insurance, • changes to your policy contained in notices issued at renewal, • the information under the heading “Important Information” which we provide to you when you take out or renew your policy. In return for paying your premium, we will provide the cover shown in your policy schedule under the terms and conditions of this policy booklet during the period of insurance. Any changes agreed during the period of insurance will be treated as a continuation of the contract of insurance. Our provision of insurance under this policy is conditional upon you observing and fulfilling the terms, provisions, conditions and clauses of this policy. Renewal of the contract of insurance Each renewal of the policy represents a new contract of insurance. (i) For existing customers who pay monthly by direct debit to Aviva the policyholder enters into a new contract of insurance with us commencing on the cover start date shown on your renewal schedule. (ii) For existing customers who pay annually or monthly, other than as set out in paragraph (i) above, the policyholder enters into a new contract of insurance with us commencing on the date when the policyholder agrees to renew the policy and to pay the premium.