Zenith Fred Van Policy Wording
Contents
1. N IN THE EVENT OF AN ACCIDENT PRESS THE BUTTON ON fred UI lt Qa Small lt gt lt gt s lt What to do if you have a complaint We are dedicated to delivering a first class level of service to all of our policyholders However we accept that things can occasionally go wrong and would rather be told about any concerns you have so that we can take steps to make sure the service you receive meets your expectations in the future If a dispute regarding your policy or claim arises and cannot be resolved by reference to your insurance intermediary the following explains the procedures for resolving your complaint The resolution of complaints in relation to your policy or any claim made under it is delegated to our service providers in the United Kingdom Zenith Insurance Management UK Limited If you have a complaint please contact our service providers at the address below Zenith Customer Relations Zenith Insurance Management UK Limited PO Box 730 Our service providers will make every effort to resolve your complaint immediately If they cannot resolve your complaint by the end of the next working day they will acknowledge your complaint within five working days of receipt and do their best to resolve the problem within four weeks by sending you a final response letter If they are unable to do so they will write to advise you2. for installation your accident excess will Chesterfield Whilst we and our UK service providers automatically be set to zero PALE e ee eee Once fred is installed in accordance with the Ombudsman Service you are not Followin IS i Tel 0844 874 0630 J installation instructions you will need to Email complaints zenith insurance co uk When contacting Zenith Insurance Management UK Limited please provide A policy number and or claim number An outline of your complaint A contact telephone number the complaints procedure above does not affect your right to take legal action Zenith Insurance Plc is a member of the Association of British Insurers use fred at the scene when safe to report an accident claim to us for your excess waiver to apply For details of when the excess waiver applies please refer to the excess section of the key facts or your policy wording The Law If you have an accident which involves an injury to any person or certain animals another vehicle or damage to property you must stop If you own the vehicle you must give your name address and insurance details to anyone who has a good reason to ask If you do not own the vehicle you must provide the owner s name and address If there is an injury and you do not give your details at the scene you must report the incident to the police within 24 hours A WHAT TO DO IN THE EVENT OF AN ACCIDENT IN THE EVENT OF AN ACCIDENT
3. Theft 10 enable us to process any claim on your A change of vehicle or you purchase behalf in the most effective manner Your How we will setle daime under sectione tang 10 11 another vehicle to which you want cover personal driving data will not be used for to apply any other purpose without your prior 3 Liability to Others 11 12 permission We may however disclose You wish a new driver to be covered your information where we are required 4 Foreign Use 13 e Someone who drives the vehicle gets a or permitted to do so by law motoring or other conviction or suffers i bec In the event that we are unable to 5 Glass 13 ied kaa or has a claim continue to trade with your intermediary 6 No Claims Di t 14 pone because they have ceased to trade through ane Sane eck Cae e The vehicle is changed from the maker s A upi y liquidation 7 in the event standard specification that their relevant FCA authorisation is 7 No Claims Discount Protection 14 nea A e revoked we reserve the right to pass General Exclusions 15 16 f your policy and all details on to another other driver intermediary If you do not wish this to General Conditions 16 18 e A change of address pa please put your request in writing to us Endorsements 18 e A change in the use of the vehicle 2 important Customer Information e The vehicle is involved in an accident no matter how trivial If you do not tell us about changes your insurance may not cover you fully or at all
4. entitled to their personal road and is in the process of being c f l Le representatives loaded or unloaded by any person other if the vehicle sustains damage which is We will cover you under this section for the kld covered under this policy you must take costs and damages you are legally liable to Whaticnot lt overed than the driver or attendant of the vehicle nd steps to ensure its security and safety pay hele a ea a person ui damage any Pae ea we Liability for death or injury to any employee weigh bridge or road or anything beneat wig i the vehicle cannot be driven due to the E PAES P EE N E E T of the person insured arising during the attributed to vibration or by the weight of fi e damage we will pay for the vehicle to be ou driving the insured venicle or any d keweh deanai e load if ties d other vehicle your Certificate of Motor course of their employment except where the vehicle and Its load I the insure a_ protected and taken to our nearest approved y i l liability j redtob aa S A aie ara O repairer Insurance shows you are insured to drive labnity IS required to be covered by the g If we choose to pay you the market value of your vehicle rather than to repair it you must send us the Certificate of Motor Insurance the Vehicle Registration Document and the MOT certificate if the vehicle needs one before we pay your claim We may without further notice move the vehicle to a secure plac
5. in the user manual supplied with the device For the policy excess to be waived as a result of an accident you must use fred in line with the terms and conditions outlined within this policy Endorsement A clause which alters the insurance cover Any endorsement that applies will be shown on your schedule Excess The amount you have to pay towards the claim Geographical Limits Great Britain Northern Ireland the Isle of Man and sea transit between them Third Party Liability cover is also provided in the European Union and any other country which has agreed to follow Article 7 2 of the EC Directive 72 166 EEC Hazardous Goods The term hazardous goods means those detailed in a The Dangerous Substances Conveyance by Road in Road Tankers and Tank Containers Regulations 1992 b The Carriage of Dangerous Goods Classification Packaging and Labelling and Use of Transportable Pressure Receptacles Regulations 1996 c The Carriage of Explosives by Road Regulations 1996 d The Approved List of Dangerous Substances as published by the Health and Safety Executive and any other legislation of similar intent including subsequent legislation if applicable Market Value The cost of replacing your vehicle if this is possible with one of a similar make model age mileage and condition Period of Insurance The length of time covered by this insurance as shown in the schedule Schedule Confirms deta
6. is covered We will cover you under this section for damage to your vehicles windscreen or glass windows A payment under this section will not affect your no claims discount Zenith Glass line 0800 917 0900 What is not covered The amount shown in the schedule under Excess applying to Section 5 Glass if the glass is replaced rather than repaired e Claims for damage to sunroofs roof panels lights or reflectors even if they are made of glass e Any extra costs due to the parts or the replacements not being available in the United Kingdom e Claims for multiple breakages of glass will be limited to one piece of glass only under this section of cover e Claims for mechanical items associated with the window mechanisms are excluded under this section of cover If a recognised windscreen glass specialist is not used the maximum we will pay is 150 after payment of any excess Payment of VAT is subject to status You do not have to pay any excess if you have a windscreen repaired rather than replaced Section 6 NO CLAIMS DISCOUNT If you have not made a claim during the period of insurance prior to renewal and no claim has been made against you we will allow a discount from your renewal premium You may not transfer this discount to another person Section 7 NO CLAIMS DISCOUNT PROTECTION You will not lose any of your no claims discount as long as you make no more than two claims in any five year
7. must take all reasonable steps to keep the vehicle in a roadworthy condition and to protect it from loss or damage Your vehicle must be covered by a valid Department for Transport test certificate MOT if one is needed by law In the absence of a valid Department for Transport test certificate MOT all cover under Sections 1 and 2 is excluded Whenever the vehicle is empty it must be secured locked and the keys removed We may examine your vehicle at any time Keeping to the policy terms We will only provide the cover described in this policy if Any person claiming cover has kept to all its terms and conditions as far as they apply and All the information you have given us and upon which this contract is based is correct and complete Other insurance If a claim is made under this policy and there is another policy that covers the same loss we will only pay our share of the claim Compulsory insurance If under the laws of any country in which this policy applies we have to make payments which but for that law would not be covered by this policy you must repay the amount to us You or the person who caused the accident must also repay us any money we have to pay because of any agreement with the Motor Insurer s Bureau CANCELLING YOUR POLICY WITHIN THE REFLECTION PERIOD This policy provides you with a reflection period to decide whether you wish to continue with the full policy The reflectio
8. numbers of passengers in each vehicle e The insurance details of the other drivers e Injuries caused Property damaged and extent of damage e Police Officer involvement name If you were at fault however we will offer to deal with the Third Party s claim to minimise costs Your insurance covers you for the cost of repairs to your vehicle after an accident fire or theft We will discuss the repair options to the insured vehicle and if agreed notify the nearest approved repairer Approved Repairers We strongly recommend using one of our approved repairers There are many benefits in doing so e They provide a fast reliable and professional service e They will collect your vehicle free of charge After the repair your vehicle will be returned to you having been cleaned thoroughly inside and out e We will settle the bill for repairs All you need to do is pay the applicable policy excess and VAT if you are VAT registered direct to the repairer e The repairer s work is guaranteed for three years If your vehicle is not drivable we may move it to a safe place while it is waiting to be repaired or disposed of You should remove all personal belongings which you have paid or agreed to pay the premium You must read this policy the schedule and the Certificate of Motor Insurance together The schedule tells you which sections of the policy apply Please check all three documents carefully to make certai
9. or judgment is given by a court of a country a For which minimum compulsory insurance is provided by this policy or b To which we have agreed to extend the policy cover and for which we have received the necessary additional premium 8 If you receive payment for giving people lifts in the vehicle the policy is not valid if a The vehicle is made or adapted to carry more than two passengers excluding the driver and b You are carrying passengers as part of a business of carrying passengers or c You are making a profit from the payments you receive General Conditions Notification of claims It is essential that you report any accident claim as soon as it is safe to do so irrespective of who is at fault by deploying fred whilst still at the scene see page 5 At the Scene for details Where fred is unavailable to report your claims during the first 7 days plus 24 hours for installation instances of fire theft or if abroad details must be reported to the 24 hour claims helpline on 0845 600 5330 as soon as you are aware or within 24 hours of the incident If in the unlikely event the device should fail please also contact the claims helpline Correspondence should be sent to our UK service providers Zenith Insurance Management UK Ltd Claims Department PO Box 726 Chesterfield 40 9LG You must send us any letter claim writ or summons as soon as you receive it You must also let us know im
10. period If three claims are made in any five year period we will reduce the discount you receive TS eee N HS f QS UTS S MENS A POLICY SECTION 6 AND 7 P v N IN THE EVENT OF AN ACCIDENT PRESS THE BUTTON ON fred Vi NA Z 2 A oll W gt lt Bei lt Ce 2S S5 gt General Exclusions These exclusions apply to the whole policy Your insurance does not cover claims arising from any of the following 1 Any accident injury loss or damage while any vehicle covered by this insurance is being a Driven by anyone who is not described in the Certificate of Motor Insurance as a permitted driver b Driven by anyone who does not have a driving licence who is disqualified from driving or who does not meet the terms and conditions of their driving licence c Used for a purpose which is not shown as covered in your Certificate of Motor Insurance d Used in or on restricted areas of airports or airfields or military bases including any place where aircraft land and take off park or move associated service roads refuelling areas ground equipment parking areas passenger buildings and customs areas e Used in an unsafe condition or while carrying an insecure load 2 Any liability you accept under an agreement or contract unless you would have been liable anyway 3 Any accidental loss damage injury or legal li
11. vehicle caused deliberately by you or any person driving it with your permission Any payment above the amount shown in the schedule under the heading Limits Applying Sections 1 and 2 Radio in relation to the replacement or repair of vehicle audio equipment Loss of use of the vehicle e Loss of or damage to telephone or other telecommunication equipment Wear and tear mechanical electrical electronic and computer failures or breakdowns Damage to tyres caused by braking punctures cuts or bursts e Loss of value for any reason Loss of or damage to the vehicle resulting from fraud or deception e Any amount greater than the manufacturers latest list price for any part or accessory e Any extra cost due to parts or replacements not being available in the United Kingdom Loss of or damage to any accessory which is not permanently attached to the vehicle Loss of or damage to the vehicle caused by a member of the family or household of a permitted driver taking the vehicle without your permission Any amount in excess of 250 in respect of sign writing advertisements logos and specialised artwork Loss of or damage to the vehicle if it is not covered by a valid Department for Transport test certificate MOT if one is needed by law POLICY SECTION 1 AND 2 Loss of or damage to the vehicle if it is left unattended and the ignition key is in or on the vehicle and or all d
12. will refund the premium relating to the remaining period of insurance on a pro rata basis charging you for each day of cover provided GENERAL CONDITIONS An administration charge of 25 will apply A further charge of 55 will also apply in the first year only to cover the cost of the device fred and postage If you cancel and return the device unopened within 14 days of cancellation this 55 fee will be refunded to you by the broker These fees may be in addition to broker fees Endorsements These endorsements do not apply to your insurance unless shown on your policy schedule for the current period of insurance 01 Security We will only be liable for claims arising under Section 2 Fire and Theft when a Thatcham Category 1 or 2 immobilising device or Tracker device has been fitted to the vehicle in accordance with the manufacturer s instructions and is in active operation at all times the vehicle is left unattended Proof of fitment of the device to your vehicle will be required before we will consider any claim under Section 2 Fire and theft IN THE EVENT OF AN ACCIDENT PRESS THE BUTTON ON fred ZENITH fre ZENITH COMMERCIAL VEHICLE INSURANCE PLC ASSISTED BY fre Commercial Vehicle Policy www zenith gi S Had an accident Press the button on fred and talk to claims experts from the scene Zenith Insurance Plc Registered Office 846 848 Europort Gibraltar Registered in
13. Gibraltar No 84085 Zenith Insurance Plc is an authorised insurance company licensed and based in Gibraltar and is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting business in the UK No 211787 Documentation distributed by Zenith Insurance Management UK Limited on behalf of Zenith Insurance Plc Correspondence Address Chester House Harlands Road Haywards Heath West Sussex RH16 1LR Zenith Insurance Management UK Limited is authorised and regulated by the Financial Conduct Authority ZENCVFRED 08 14
14. PRESS THE BUTTON ON fred What to do in the Event of an Accident Contract of Insurance 5 6 At the scene Make a rough sketch of the accident scene Commercial Vehicle Insurance The Financial Services Compensation Scheme iw l A showing the position of the vehicles before l _ covers this policy Z It is essential that you report any accident andato ie accident This document is a legally binding contract of ae claim to us as soon as it is safe to do so insurance between you and us The contract All Zenith Insurance Plc policies issued in irrespective of who is at fault using fred and Do not apologise or admit that you were to is based upon the information you gave us the UK for individual customers or small gt whilst still at the scene blame Do not sign anything at the scene in the proposal form or the statement of businesses are covered by the Financial T a facts and the declaration you made Services Compensation Scheme You may be gt Serious impacts can initiate an automatic call If you were not at fault we will attempt to itled ion f he sch je l entitled to compensation from the scheme if e to the claims team via fred allowing them to recover any money we pay Provided we are We agree to insure you under the terms of your insurer cannot meet its obligations talk to you For accidents where fred does able to make a full recovery your no claims this contract against accidental injury loss or e g if i
15. Sa LB LS ZENITH COMMERCIAL VEHICLE AS re Commercial Vehicle Policy www zenith gi Contents Important Customer Information 2 You should keep a complete record of all DATA PROTECTION information including copies of letters What To Do If You Have A Complaint 3 supplied to us in taking out this insurance We may pass information about the client and this policy to other insurance companies What To Do In The Event Of An Accident 4 5 So that you understand what you are covered with which we either reinsure our business gt for please read this policy the schedule or who are dealing with a claim made fred And How It Works 4 and the Certificate of Motor Insurance very under this policy In addition information carefully You should pay special attention to may be passed to other insurance related Tr Approved Repairers 5 the general exclusions and general conditions organisations in common with industry practice These companies may be located Contract of Insurance j A E E D EA D em in countries outside the UK but within the Definitions 7 8 incorrect you should notify us immediately European Economic Area EEA Palier sedon 9 14 via your insurance intermediary Whenever the vehicle is driven fred lt z To keep your policy up to date please tell us tes i ave ae Acci straight away about changes which affect ae z Aeren anaga e i Some EA are roadside at the time of any incident 2 Fire and
16. ability caused directly or indirectly by a War invasion revolution or any similar event except where we need to provide cover to meet the requirements of the Road Traffic Acts b Any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss except where we need to provide cover to meet the requirement of the Road Traffic Acts c lonising radiation or radioactive contamination from any nuclear fuel or any nuclear waste from burning nuclear fuel d Radioactive toxic explosive or other dangerous properties of any explosive nuclear material or any part of it e Pressure waves caused by aircraft or other flying objects f Carrying any hazardous goods or goods which you need a licence from the relevant authority for except where we need to provide cover to meet the minimum insurance requirement by the relevant law 4 Except under Section 3 any injury loss or damage arising during a An earthquake b Riot or civil commotion occurring outside Great Britain or the Isle of Man 5 Any claim for pollution or contamination unless it is caused by a sudden identifiable event which was unintended and unexpected and happened at any specific time and place 6 Any amount over 1 000 000 for one pollution or contamination event 7 Any decision or action of a court which is outside the geographical limits unless the proceedings are brought
17. amage to any vehicle or attached trailer or caravan which is covered by this section Loss of or damage to property owned by or in the care of any person claiming cover under this section e Anyone other than you who is covered by other insurance vehicle plated or train weight permitted by the relevant law Any amount above 1 000 000 for damage to property resulting from an accident or series of accidents from one event or chain of events this policy IN THE EVENT OF AN ACCIDENT PRESS THE BUTTON ON fred i UY To Z lt J Z _ Nad Lu WY gt t Qa Policy Sections Section 4 FOREIGN USE What is covered In addition to the minimum level of insurance required to allow you to use your vehicle in Any member country of the European Union e Croatia Gibraltar Iceland Liechtenstein Monaco Norway San Marino and Switzerland The policy extends all sections shown as applying in the schedule for a maximum period of 45 days in any one period of insurance Upon request before you go abroad and on payment of an additional premium we will extend cover to Up to 90 days duration in countries shown above e Be operative in other countries covered by the International Green Card system What is not covered Customs and or excise duties fred services and the associated accident excess waiver are only available within the United Kingdom Section 5 Glass What
18. e of free storage All personal possessions should be removed from the vehicle at the earliest opportunity As soon as you accept our offer this insurance will end for that vehicle and any outstanding or overdue premium must be paid The vehicle then becomes our property Any person driving the vehicle with your permission provided your Certificate of Motor Insurance shows he or she is allowed to drive the vehicle e Any passenger travelling in getting into or out of the vehicle e Any trailer or caravan attached to the vehicle We will also pay at our discretion Legal costs and expenses we have previously agreed in writing relating to Solicitors fees for representation at a coroners inquest fatal injury enquiry or court of summary jurisdiction The defence of a charge of manslaughter or causing death by dangerous or careless driving provided they relate to a claim resulting from an accident covered by this section Any costs and expenses for which your or your spouse s employer or business partner is legally liable if your Certificate of Motor Insurance allows business use as a result of you or your spouse using the vehicle for their business Emergency treatment charges set out in the Road Traffic Acts resulting from an accident involving any vehicle covered by Road Traffic Acts e Liability for death or injury to any person being carried in or on any trailer or caravan e Loss of or d
19. ic Act 1988 When we have received the Certificate of Motor Insurance or the electronic declaration of surrender and providing that no claim has been made or is intended to be made we will refund the premium relating to the remaining period of insurance on a pro rata basis charging you for each day of cover provided The installation activation and maintenance of fred throughout the policy term is a condition of this policy If fred has not been installed and activated by day 21 we will invoke our right to cancel the policy Similarly we reserve the right to cancel during the term of the policy if fred is not maintained with the battery charged and kept in its holder You will be alerted if the battery life expires or if fred is removed from its holder e An administration charge of 25 will apply A further charge of 55 will also apply in the first year only to cover the cost of the device fred and postage If you cancel and return the device unopened within 14 days of cancellation this 55 fee will be refunded to you by the broker These fees may be in addition to broker fees 00 Cancellation by you You can cancel this policy by giving us 7 days notice in writing and either returning your Certificate of Motor Insurance or providing us with an electronic declaration of surrender in accordance with section 147 of the Road Traffic Act 1988 Providing that no claim has been made or is intended to be made we
20. ils of you and the insurance cover provided The schedule forms part of the contract of insurance and must be read in conjunction with the policy Terrorism In the United Kingdom the term terrorism shall follow the interpretation as set out in part 1 of the Terrorism Act 2000 or as per any subsequent amendments thereto or successors thereof as replicated hereunder In any other territory which has equivalent legislation to the Terrorism Act 2000 terrorism will follow the definition in that legislation In any other territory the UK Terrorism Act 2000 or subsequent amendments thereto or successors thereof will be deemed to be the applicable definition Part 1 of the Terrorism Act 2000 contains the following definition 1 In this Act terrorism means the use or threat of action where a the action falls within subsection 2 b the use or threat is designed to influence the government or to intimidate the public or a section of the public and c the use or threat is made for the purpose of advancing a political religious or ideological cause 2 Action falls within this subsection if it a involves serious violence against a person b involves serious damage to property c endangers a person s life other than the person committing the action d creates a serious risk to the health or safety of the public or a section of the public e is designed to interfere with or seriously disrupt an elect
21. licious damage storm damage or if abroad the claim as soon as safe from the scene You must pay the appropriate excess for each claim you make under this section of the policy with the exception of accident claims where you or any other person named on the Certificate of Motor Insurance have deployed fred to report the claim from the accident scene Also where the claim occurred within the first 7 days plus a further 24 hours for installation from the start of the policy or any other period of time where you were unable to deploy fred following an accident due to fred not being operational as a result of technical failure In these circumstances you will not be required to pay any policy excess For clarification of this accident excess waiver see the table below Day 9 and beyond fred used in line with fred NOT used in your policy terms and line with your policy terms and We will cover loss or damage to the vehicle while it is with a member of the motor trade for servicing or repair Section 2 FIRE AND THEFT What is covered We will cover you under this section for loss or damage to your vehicle caused by fire lightning or explosion theft or attempted theft This is subject to the amount shown in the schedule under Excess applying to Section 2 Fire and Theft What is not covered under sections 1 and 2 The amount shown in the schedule under Excess applying to Section Any damage to the
22. mediately if you or your legal advisors become aware of any prosecution inquest or fatal accident enquiry which might be covered under this policy ON 9 We will not pay the claim and all cover under the policy is forfeited if you or anyone acting for you makes a claim under the policy knowing the claim to be false fraudulently inflated or supported by fraudulent documentation or if loss damage or injury is caused by your wilful act or with your connivance GENERAL CONDITIONS You or any other person claiming under this policy must not negotiate admit fault offer to pay or settle any claim unless you have our written permission Dealing with claims We will be entitled to e Take over and carry out the defence or settlement of any claims in your name or that of any other person insured by this policy and have full discretion to deal with the claims as we see fit e Take proceedings in your name or that of any other person insured by this policy to get back any money we have paid Any information and help we need from you or any other person insured by this policy Changing your vehicle An additional 10 charge to cover the cost of sending you a new holder will apply if you change your vehicle midterm i e before renewal IN THE EVENT OF AN ACCIDENT PRESS THE BUTTON ON fred yJ GENERAL CONDITIONS General Conditions Care of your vehicle Anyone covered by this policy
23. n period is for 14 days from the date you receive your policy documentation During this period you have the right to cancel the policy and receive a refund of premium providing that no claim has been made or is intended to be made You must return your Certificate of Motor Insurance or provide us with an electronic declaration of surrender in accordance with section 147 of the Road Traffic Act 1988 before we can proceed with the cancellation e If at the date of cancellation your policy has not yet commenced you will receive a full refund from us If your policy has already commenced you will receive a refund from us less a pro rata charge for each day of cover provided e An administration charge of 25 will apply A further charge of 55 will also apply in the first year only to cover the cost of the device fred and postage If you cancel and return the device unopened within 14 days of cancellation this 55 fee will be refunded to you by the broker These fees may be in addition to broker fees CANCELLING YOUR POLICY AFTER THE REFLECTION PERIOD Cancellation by us or the intermediary We or your authorised intermediary service provider may cancel this policy We will do this by giving you 7 days notice in writing to your last address notified to us You must return your Certificate of Motor Insurance or provide us with an electronic declaration of surrender in accordance with section 147 of the Road Traff
24. n they give you the cover you want English law will apply to this contract of insurance unless we and you have agreed otherwise ago Gary Humphreys Underwriting Director Zenith Insurance Plc and or its co insurers whose names and addresses are available upon request Authorised Insurers registered in Gibraltar No 84085 Registered Office 846 848 Europort Gibraltar Zenith Insurance Plc is an authorised insurance company licenced and based in Gibraltar and is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority in respect of underwriting business in the UK No 211787 Further information about compensation scheme arrangements is available from the FSCS www fscs org uk telephone 0207 741 4100 number and constabulary IN THE EVENT OF AN ACCIDENT PRESS THE BUTTON ON fred N A 2 z kalm Lud Definitions The following words or phrases have the same meaning wherever they appear in this policy Accident scene or scene The location where an accident has just occurred involving you or anyone named on the Certificate of Motor Insurance Certificate of Motor Insurance Evidence that you have the motor insurance cover required by law It shows who may drive the vehicle and what it may be used for Deploy fred Deployed fred Relates to the activation of fred as shown
25. of progress and will endeavour to resolve your complaint in full within the following four weeks If they are still unable to provide you with a final response at this stage they will write to you explaining why and advise when you can expect a final response At this point you may refer your complaint to the Financial Ombudsman Service at the following address The Financial Ombudsman Service Exchange Tower London E14 9SR You have the right of referral within 6 months of the date of your final response letter What to do in the Event of an Accident fred and how it works fred is a compact device that attaches to the windscreen of your vehicle fred can automatically recognise serious impacts and makes contact with a claims advisor in the event of an accident Where required staff will be able to request the attendance of emergency services ambulance fire brigade and police For accidents where fred does not automatically make contact with a claims advisor simply pull over to a safe location nearby press the assistance button on the front of fred and talk to claims experts from the scene as soon as you are able to You will receive the device within 7 days of your policy start date and you must install it within 24 hours of receipt in order to qualify for the excess waiver on accident claims when you use fred During the period of up to 7 days from the policy start date to your receipt of fred plus 24 hours
26. oors windows and other openings have not been closed and locked e VAT subject to status Loss or damage caused directly or indirectly by fire if your vehicle is equipped for the cooking and or heating of food or drink e Confiscation or requisition or destruction by or under order of any Government or Public or Local Authority How we will settle claims under sections 1 and 2 We will choose whether to repair or replace your vehicle or to pay you a cash sum equal to the cost of loss or damage We will not pay for the whole cost of any repair or replacement which leaves your vehicle in a better condition than it was before the loss or damage If this happens you will have to pay part of the cost of repair or replacement The repairer may be authorised to use replacement parts if appropriate which were not supplied by the original manufacturer of the vehicle If you are still paying for the vehicle under a hire purchase or leasing agreement we will settle your claim with the vehicle s legal owner unless by prior agreement IN THE EVENT OF AN ACCIDENT PRESS THE BUTTON ON fred Policy Sections 7 Section 2 cont Section 3 2 T kie iis g Ay will a i dc LIABILITY TO OTHERS If setts Men by this 1 ee gt Liability fe are injury or seats r i value of the vehicle immediately before we will extend the cover to which they arising while the vehicle is not on a public SE the accident What is covered would have been
27. ronic system 3 The use or threat of action falling within the subsection 2 which involves the use of firearms or explosives is terrorism whether or not subsection 1 b is satisfied Theft Any theft or attempted theft that you have reported to the police Vehicle The vehicle with the registration number shown in your schedule or any replacement vehicle that you have told us about and we have agreed to cover We Our Us Zenith Insurance Plc You Your The policyholder named on the schedule GUIDE TO POLICY COVER Comprehensive Sections 1 6 inclusive Plus section 7 if noted on the schedule IN THE EVENT OF AN ACCIDENT PRESS THE BUTTON ON fred 0 0 A Z Z ra ball Ko N Z lt sr Z Mad Li WA gt Need Qa Policy Sections Section 1 ACCIDENTAL DAMAGE What is covered We will cover you under this section for accidental damage to your vehicle This is subject to the amount shown in the schedule under Excess applying to Section 1 Accidental Damage In addition you must pay the amount shown in the schedule under Young and or Inexperienced Drivers if the person driving or in charge of the vehicle at the time of the accident is e aged under 25 or aged 25 or over but has not held a full UK licence for at least 12 months Type of claim First 7 days plus 24 hours for installation Other claims fire theft ma
28. t goes out of business or into ce not automatically make contact with a claims discount is not affected damage that occurs within the geographical jjquidat bl d z oat sage l iquidation or is unable to trade advisor you and any other vehicle involved limits during the period of insurance for z SS Wad wd lt lt kim Habba bbl bad oles as should move to a safe location and then press the button on the device at the roadside to qualify for your excess waiver Claims experts will guide you through the process and also speak to the third party at the scene if appropriate as well as initiate the paperwork for you Where fred is unavailable to report your claim during the first 7 days plus a further 24 hours for installation instances of fire theft or if abroad details must be reported to the 24 hour claims helpline on 0845 6005330 as soon as you are aware or within 24 hours of the incident If in the unlikely event the device should fail please contact the claims helpline Correspondence should be sent to our UK service providers Zenith Insurance Management UK Ltd Claims Department PO Box 726 Chesterfield 40 9LG If fred is not used at the accident scene it is important that you obtain full details of the following All the vehicles involved The name addresses and telephone numbers of the other drivers and of any witnesses The
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