Comprehensive Car Insurance Policy Wording

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Transcript of Comprehensive Car Insurance Policy Wording

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    YOUR MOTORINSURANCE POLICYEverything you need to know.

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    WELCOME TO RSA

    Dear Policyholder

    Thank you for choosing us to take care of your car insurance. You are now insured with one of the worlds leading insurance groups that writes business in 140 countries and serves over 17 million customers worldwide. With a 300 year heritage, RSA has major operations in the UK, Scandinavia, Ireland, Canada, Asia and the Middle East.

    This booklet is designed to help you check your cover and to reassure you that RSA will give you all the protection you need for the year ahead. We take pride in the claims service we offer to our customers. We have a network of approved repairers and provide a 12-month guarantee on all paint and bodywork repairs.

    This booklet gives you the details of what this policy does and does not cover. It also contains information about our helpline and how to make a claim.

    If you would like to change your level of cover or have any other queries, please call our dedicated

    Customer Service Centre on:

    800 RSA (772)

    Please take a moment to read your policy booklet and then keep it in a safe place. We would like to welcome you to RSA and wish you a safe and hassle-free year of motoring.

    The Customer Service Team RSA UAE

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    TYPES OF COVER SECTIONS WHICH APPLY

    Comprehensive Policy Sections 1 - 8

    Third Party Only Sections 2, 3

    Third Party Fire & Theft Sections 1 - 3 ing

    explosion, theft or attempted theft.

    OPTIONAL COVERS THESE SECTIONS WILL ONLY APPLY IF SPECIFIED IN YOUR POLICY SCHEDULE

    Agency Repairs Section 9

    Using your Car in GCC Countries Section 10

    Protected No Claims Discount Section 11

    Rental of Alternative Vehicle Section 12

    Enhanced Motor Protection Section 13

    Section 14

    Breakdown Recovery Section 15

    Helmet and Protective clothing(for motorcycles only)

    Section 16

    Note: The General Conditions section on page 28 applies to all types of cover.

    (Arabic version of this policy wording available on request)

    YOUR COVER AT A GLANCE

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    SECTION GUIDE

    Please note that not all of the sections listed below will apply to your Policy. Those which do applyare shown in your Policy Schedule.

    DEFINITIONS 5

    YOUR MOTOR POLICY 7

    MAKING A CLAIM 8

    SECTION 1: OWN DAMAGE 9

    SECTION 2: THIRD PARTY LIABILITY 1 1

    SECTION 3: GENERAL EXCEPTIONS 1 2

    SECTION 4: NO CLAIMS DISCOUNT 1 3

    SECTION 5: WINDSCREEN 1 4

    SECTION 6: PERSONAL INJURY 1 5

    SECTION 7: MEDICAL EXPENSES 16

    SECTION 8: PERSONAL POSSESSIONS 1 7

    SECTION 9: AGENCY REPAIRS 1 8

    SECTION 10: USING YOUR CAR IN GCC COUNTRIES 1 9

    SECTION 11: PROTECTED NO CLAIMS DISCOUNT 2 0

    SECTION 12: RENTAL OF ALTERNATIVE VEHICLE 2 1

    SECTION 13: ENHANCED MOTOR PROTECTION 2 2

    SECTION 14: PERSONAL ACCIDENT BENEFIT 25

    SECTION 15: BREAKDOWN RECOVERY 2 7

    SECTION 16: HELMET AND PROTECTIVE CLOTHING 2 8

    GENERAL CONDITIONS 29

    COMPLAINTS PROCEDURE 3 3

    FREQUENTLY ASKED QUESTIONS 3 4

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    ey are shown in your policy.

    CERTIFICATE OF MOTOR INSURANCE: The document which proves that you have insurance

    EXCESS: The amounts shown in your schedule which you must pay when you make a claim which cannot be recovered from a Third Party. We will not charge you an excess for Theft of the insured vehicle, Fire or Windscreen claims.

    IN-CAR ACCESSORIES:- A radio, cassette, compact disc player or other audio equipment- A phone or other communication equipment- Navigation equipment- A television or other visual entertainment equipment including video cassette recorders,

    DVD players and games consoles

    lue stated in your proposal form.

    VEHICLE/INSURED VALUE: The amount stated on the policy schedule which we shall pay in the event of a total loss after deducting depreciation in line with the scale on page 10.

    NO CLAIMS DISCOUNT: A discount on your premium in return for you not making a claim.

    PERIOD OF INSURANCE:

    POLICY: Your policy is made up of- Your application form for this insurance- This policy book- Your schedule-

    SCHEDULE: The document which describes- You and your vehicle- Any special details of your policy such as excesses or special terms and conditions

    GEOGRAPHICAL AREA (TERRITORIAL LIMITS): These are- UAE- Any other area stated in your policy schedule

    DEFINITIONS

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    DEFINITIONS

    AGENCY REPAIRS: If Agency Repairs are included in your policy, as shown in your schedule, then you have the option of having your car repaired at the manufacturers authorised dealers. If you do not have this cover then we shall select one of our own approved garages to undertake the repairs.

    COMPANY/WE/US/OUR: Royal & Sun Alliance Insurance (Middle East) B.S.C (c).

    INSURED/YOU/YOUR: The person named as the policyholder in- - Your schedule

    INSURED VEHICLE/YOUR CAR: The vehicle- Whose details have been reported to and accepted by us- te of motor insurance and your schedule. This

    turer

    LICENSED DRIVER- The insured or any person driving with his permission provided that the person driving holds a license for

    s and has not had his license withdrawn by

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    This is your RSA Motor Policy. It describes the contract between you and us. In return for the premium, we will cover you during the period of insurance under the terms set out in this policy.

    Your application form, this policy book, your schedule and youryour policy. Please read them all to avoid misunderstanding. They tell you which sections apply to your policy and describe your cover.

    The wordings of the following sections are provided by the Ministry of Economy (UAE). Section 1 Exceptions to Section 1 Section 2 General Exceptions General Conditions

    RSA has extended the cover stated in the above sections. Please refer to the automatic cover extensions on pages 13 -17 (Sections 4 to 8). Sections 9 to 15 are optional covers and only apply

    The declaration you signed on your application form is part of this contract. You must tell us as soon as possible of any changes to the information you have given on your application form. If you do not, your policy may not be valid.

    application for this insurance, or any further changes you ask to make to this policy, are deliberately fraudulent.

    Please make sure that your policy is what you want. If it is not, tell us immediately.

    CANCELLING YOUR POLICY

    You can cancel your policy. To do this you are required by law to provide evidence that your vehicle has been deregistered or insured elsewhere.

    We can cancel your policy if you have not paid your premium.

    If no claim is made or will arise, we will give you a refund on your premium for any remaining period of cover subject to an administration fee.

    If a claim is made or will arise that cannot be recovered from a third party, we will not give you a refund on your premium.

    YOUR MOTOR POLICY

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    If you wish to make a claim or have been involved in an accident, please contact us immediately on:

    Toll Free 800 774 Fax 04 3348851 Email claims@ae.rsagroup.com

    Alternatively, you can also make a claim online by visiting www.rsadirect.ae

    We will arrange for the vehicle to be towed or it could be driven by you to one of our approved repairers. The damaged car will then be examined by one of our motor engineers to agree the repair cost with the garage. The inspection should happen within two working days of the vehicle being delivered to the garage.

    The following documents will be required to process your claim:a) Driving Licenseb) Registration Cardc) Police Accident Report (Original required)

    You can either fax copies of these documents or deliver them in

    or to our dedicated Customer Service Center at the following address:

    id Hospital Intersection, Dubai

    MAKING A CLAIM

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    WHAT WE COVER

    1. The company undertakes to indemnify the insured for Loss of or Damage to the insured vehicle, its accessories and spare parts whilst thereon:

    (a) B y accident or overturning consequent upon accidental collision or mechanical breakdown or consequent upon wear and tear

    (b)

    (c) B y burglary or theft

    (d) B y malicious act of any third party

    (e) Whilst in transit (including the process of loading and unloading incidental to such transit) by road, rail, inland waterway, lift or elevator, relating to the said transportation

    2. The company shall pay in cash the amount of loss or damage to the insured or shall repair, reinstate or replace the vehicle or any part thereof including its accessories or spare parts and the liability of the company shall not exceed the replacement value of the parts lost or damaged and the reasonable cost of

    ompany to pay him the amount in cash, in this case the company shall respond to the insureds request. In case the insured requests new parts instead of the damaged parts due to an accident or prefers receiving itsvalue in cash, this shall be considered. The insured is liable for the depreciating value as mentioned in the table below.

    3. The insured has the right to repair the damage due to an accident covered under the policy provided the total cost of such repair does not exceed the Authorised Repair Limit mentioned in the schedule attached to this policy, and the insured should forward to the company without delay a detailed estimate of the cost.

    4. If the insured vehicle sustains loss or damage and is considered a Total Loss whereas the cost of repair exceeds 50% of its value before th