ERS Motor Insurance Certificate

Certificate of Motor Insurance
Policy number 4033429

1. Description of vehicle(s)
Any commercial motor vehicle the property of the policyholder or in their custody or control and for which they are
legally responsible.
2. Name of policyholder
ANCHOLME INTERNAL DRAINAGE BOARD
3. Effective date and time of the commencement of insurance for the purpose of the relevant law
31 March 2020 00:01
4. Date of expiry of insurance
30 March 2021
5. Persons or classes of persons entitled to drive
Any person who is driving on the order or with the permission of the policyholder.
Providing that the person driving has a licence to drive the vehicle or has held and is not disqualified from or
prohibited by law from holding or obtaining such a licence.
6. Limitations as to use
Use for social, domestic and pleasure purposes and for the business of the policyholder excluding commercial
travelling.
Unless specified under section 6 of this certificate of insurance, this policy does not cover: use for hiring, the letting
on hire, the carriage of passengers and goods for hire or reward, racing, pacemaking, use in any contest, reliability or
speed trial or the use for any purpose in connection with the motor trade.
I hereby certify that the policy to which this certificate of insurance relates satisfies the requirements of the relevant law
applicable in Great Britain, Northern Ireland, Isle of Man and the Islands of Guernsey, Jersey and Alderney.
For and on behalf of the Underwriter subscribing ERS, 21 Lombard Street, London, EC3V 9AH
Authorised Insurer
Martin Hall
Active Underwriter
Advice to third parties - Nothing contained in this certificate of insurance affects your rights as a third party to
make a claim.
Note: For full details of the insurance cover reference should be made to the policy document, which can be obtained
from your broker or via our website at www.ers.com
ERSCERT1215 Certificate of Insurance Page 1 of 2

This page forms part of your certificate of insurance
European cover
This certificate of motor insurance is evidence that this insurance meets the compulsory motor insurance requirements of
all member countries of the European Union and Andorra, Iceland, Norway, Serbia and Switzerland (including
Liechtenstein).
Ce certificat d'assurance automobile est une preuve que cette assurance est conforme aux exigences de l'assurance
automobile obligatoire de tous les pays membres de l'Union européenne et l'Andorre, l'Islande, la Norvège, la Serbie et la
Suisse (y compris le Liechtenstein).
Dieses Zertifikat der Kfz-Versicherung ist ein Beweis, dass diese Versicherung die Kfz Haftpflichtversicherungs
anforderungen von allen Mitgliedsländern der Europäischen Union und Andorra, Island, Norwegen, Serbien und der Schweiz
(einschließlich Liechtenstein) erfüllt.
Este certificado de seguro de automóviles es evidencia de que este seguro cumpla con los requisitos de seguro obligatorio
de automóviles de todos los países miembros de la Unión Europea y Andorra, Islandia, Noruega, Serbia y Suiza (incluido
Liechtenstein).
Questo certificato di assicurazione auto è la prova che questa assicurazione soddisfa i requisiti di assicurazione obbligatoria
degli autoveicoli di tutti i paesi membri dell'Unione europea e Andorra, Islanda, Norvegia, Serbia e Svizzera (compreso il
Liechtenstein).
ERSCERT1215 Certificate of Insurance Page 2 of 2

Farmers Plan
Renewal Invite
Broker agency number 2451 Scheme 954
Broker Instructions
Please send your renewal instructions to agricultureuw@ers.com
Policy details
Policyholder ANCHOLME INTERNAL DRAINAGE BOARD

Address EPSOM HOUSE, CHASE PARK, REDHOUSE INTERCHANGE, DN6 7FE
Commencement date and time 31 March 2020 00:01
Expiry date 30 March 2021
Premium
Premium (excluding IPT) £515.00

IPT £61.80
Total premium due £576.80
Vehicle details
Registration / Chassis Year of

Make & model Vehicle Type Numbers CC GVW Value Cover Class of use Annual rate per vehicle
number manufacture
(excl. IPT)
Carriage Of Own
NISSAN NAVARA LCV 1 FY63TPU 2013 0 2500 £1 Comprehensive £515.00
Goods
Permitted drivers
Registration / Chassis number Driver restrictions
FY63TPU Any Driver
Vehicle excess details

An excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident. However, there may be additional excess terms
applied highlighted below in Additional excesses for young or inexperienced drivers, or shown in the attached Schedule of Endorsements.
Total excess Windscreen excess
Registration / Chassis
Repair by ERS approved Replacement by ERS Use of non-approved ERS
number Accidental damage Fire & theft Agricultural vehicles*
supplier approved supplier supplier
FY63TPU £250 £250 £10 £75 £125 £50
*regardless of which company carries out the repair or replacement
ERS Syndicate 218 at Lloyd’s is managed by ERS Syndicate Management Limited (company no. 00426475), which is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (firm reference no. 204851). ERS Syndicate Management Limited is registered in England and Wales with its registered
address at 21 Lombard Street, London, EC3V 9AH.
RNLINV1215 Renewal Invitation - Page 1 of 2
Additional excesses for young or inexperienced drivers
If your vehicle is damaged while a young or inexperienced person (including yourself) is driving, you will have to pay the first
amount of any claim as shown below. This is on top of any other excess that you may have to pay.
Drivers Amount
Under 21 £300
Aged 21 to 24 £200
25 or over who has a provisional driving licence or has not held, for 12 months £200
or more, a full driving licence issued by any country which is a member of the
European Union
These amounts do not apply if the loss or damage is caused by fire or theft.
Important notes
This renewal invitation is based on the information held at the time and date of issue. Any change to this information may affect
the premium and terms offered.
Any changes to your existing terms or a change to your cover and benefits will be shown on the Schedule of Endorsements and/or
Notice to Policyholder attached to this invitation. You can obtain a copy of the latest policy document from the documents section
on our website, www.ers.com.
You must tell us immediately about any changes to the information you have already provided. Please contact your broker if you
are not sure if the information is relevant. If you don’t tell us about relevant changes, your insurance may not cover you fully, or at
all. Here are some examples of the changes you should tell us about:
 A change of vehicle (including extra vehicles and any temporary vehicles).
 All changes you or anyone else make to your vehicle if these make your vehicle different from the manufacturer’s standard
specification (whether the changes are mechanical or cosmetic).
 A change of address.
 A change of job, including any part-time work by you or other drivers, a change in the type of business or having no work.
 A change in the purpose which you use your vehicle for.
 A new main user of your vehicle.
 Details of any driver you have not told us about before, or who is excluded by the certificate of motor insurance or an
endorsement, but who you now want to drive.
 Details of any motoring conviction, disqualification or fixed-penalty motoring offence of any person allowed to drive or of any
prosecution pending (where a case is being investigated but there is no conviction yet) for any motor offence.
 Details of any non-motor conviction or prosecution pending (where a case is being investigated but there is no conviction yet) for
any person allowed to drive.
 Details of any accident or loss (whether or not you make a claim) involving your vehicle or that happens while you are driving or
in charge of anyone else’s vehicle.
 If any driver suffers from a disability or medical condition that must be revealed to the DVLA, whether the driving licence has
been restricted or not.
Policy wordings: Please go to the web page www.ers.com to view the policy wording by selecting documents from the menu.
RNLINV1215 Renewal Invitation - Page 2 of 2

Notice To Policyholder
ERS Policy Wording updates.
Please check that the value of your vehicle(s) you have provided to us is correct for the forthcoming policy period. If in doubt,
please seek appropriate advice.
Also, please refer to any endorsements that are applicable to your policy as they may have been revised.TEST BLOCK
NTP 0619 (C) Notice to policy holders - Page 1 of 1
Farmers Plan
Schedule of Endorsements
Effective date and time 31 March 2020 00:01
ENDORSEMENTS APPLICABLE
Where a value is shown below, this refers to information relevant to an endorsement such as, but not restricted to, an excess
amount, driver or security device.
ENDORSEMENTS APPLICABLE TO SPECIFIC VEHICLES

Registration / Endorsement
Vehicle type Description Value Specified driver(s)
Chassis number number
Damage, fire and theft
LCV FY63TPU 001 250
excess
All vehicles 037 No claim bonus removed
ENDORSEMENT APPENDIX
001 - Damage, fire and theft excess

We will not pay the first amount shown in the schedule for any claim under section 2 of your policy document.
This endorsement will not apply to claims made for windscreen damage only, and the amount shown is on top of any other
amount which you may have to pay under this insurance.
037 - No claim bonus removed

The ''no claim bonus'' section of your policy document does not apply to this insurance.
MVS1215 Endorsement schedule - Page 1 of 1
Farmers Plan
Statement of Fact
Quote reference
Broker agency number 2451 Scheme 954
Effective date 31 March 2020
These are the details supplied by you and form part of your contract of insurance. If the details are correct there is no need to take
any further action. However, you should store this document in a safe place for future reference. If any details are incorrect or
incomplete, please contact your broker and notify them of any errors. If the risk remains acceptable they will issue a further
statement of fact showing the correct details. If you provide false or incorrect information, withhold information or fail to inform us
of any errors, your policy could be cancelled or declared void or we may refuse to pay a claim.
You, the proposer
Name of proposer ANCHOLME INTERNAL DRAINAGE BOARD
Postal address EPSOM HOUSE, CHASE PARK, REDHOUSE INTERCHANGE
Postcode DN6 7FE
Telephone number Email address
Business or trade INTERNAL DRAINAGE BOARD Nature of business
Cover operative for 12 months from
Time 00:01 Date 31 March 2020
Additional information
Data protection notice

Please read this notice carefully as it contains important information about the details you will give or have given us. You should show this notice to anyone
covered by this insurance.
ERS Syndicate Management Limited is the data controller in respect of your personal information. We will process the details you have given us in line with the
UK’s Data Protection laws and any other laws that apply. We may work with partner organisations and service providers who are located in other countries, and as
a result your information may be processed outside the European Economic Area. In all cases we will make sure that your information is adequately protected.
The UK’s Data Protection laws classify information about your medical conditions and criminal convictions as ‘special category’ personal data. We will use this
information to assess your request for insurance, to administer your insurance contract and to deal with any claims. We share information with other insurers,
certain government organisations and other authorised organisations for the purpose of insurance underwriting, preventing or detecting fraud, managing claims
and managing complaints. However, we will only share ‘special category’ personal data where it is essential for these purposes.
You can find more information about how we use your personal information on our website: www.ers.com/policy-pages/privacy-policy
If you have any questions please contact the Data Protection Officer at 21 Lombard Street, London, EC3V 9AH or at dpo@ers.com
FPSOF1215R Statement of Facts - Page 1 of 2

Important notes
1.I/We declare that the answers given (on which the underwriters will rely when deciding whether to accept the risk and in fixing the premium) are true to the
best of my/our knowledge and belief and that no information has been withheld. I/We also agree that if another person has given any information on this
form, he or she acted as my/our agent for this purpose. I/We hereby consent to any information you may have about me/us being processed in accordance
with the data protection notice on this form.
2.At your request a copy of this completed form will be supplied to you, provided the request is made within a period of three months after its completion.
3.Underwriters liability does not operate until acceptance has been notified or a Cover Note delivered to the Insured. If the Proposal should disclose any special
features the Underwriters may quote special terms and they reserve the right to decline a proposal.
4.Details of full policy terms can be supplied on request.
5.Unless such person(s) have been declared to the Underwriters and given permission to drive under this policy, I/we undertake that the vehicle(s) will not be
driven by any person(s) who to my/our knowledge:
a) has been refused any motor vehicle insurance or continuance thereof.
b) suffers from any disability (including any physical or mental condition) that is notifiable to the DVLA.
c) has during the last 5 years been convicted of any of the following motor offences: vehicular manslaughter, causing death by dangerous driving, dangerous
driving, driving under the influence of drink or drugs, failing to stop after an accident, any offence or combination of offences which resulted in suspension
from driving.
d) has a non-motor conviction(s) or prosecution(s) pending (where a case is being investigated but there is no conviction yet) that must be legally declared.
Motor insurance database
Information about your insurance policy will be added to the Motor Insurance Database (MID) which is managed by the Motor Insurers’ Bureau (MIB). Certain
government or authorised organisations including the police, the DVLA, the DVLNI, the Insurance Fraud Bureau and other organisations allowed by law may use
the MID and the information stored on it for purposes including Continuous Insurance Enforcement (you can get information about this from the Department of
Transport), electronic vehicle licensing, law enforcement for the purposes of preventing, detecting, catching or prosecuting offenders and providing government
services or other services aimed at reducing the level of uninsured driving. If you are involved in a road-traffic accident (either in the UK, the EEA or certain other
territories), insurers or the MIB (or both) may search the MID to gather relevant information. Anyone making a claim for a road-traffic accident (including their
appointed representatives and citizens of other countries) may also gather relevant information which is held on the MID. It is vital that the MID holds your
correct registration number. If it is not shown correctly on the MID, you are at risk of having your vehicle seized by the police. You can check that your correct
registration number details are shown on the MID at www.askmid.com.
ERS Syndicate 218 at Lloyd’s is managed by ERS Syndicate Management Limited (company no. 00426475), which is authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no. 204851). ERS Syndicate Management
Limited is registered in England and Wales with its registered address at 21 Lombard Street, London, EC3V 9AH.
FPSOF1215R Statement of Facts - Page 2 of 2

Farmers Vehicle Insurance
Insurance Product Information Document
This insurance is underwritten by ERS (Syndicate 218 at Lloyd’s) which is registered in the UK. ERS Syndicate
Management Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and Prudential Regulation Authority. Registered number: 204851.
This document provides a summary of the key information. It does not contain the full terms and conditions; these can be
found in your policy document. You can find your policy document at www.ers.com.
What is this type of insurance?
Comprehensive cover – You are covered for loss or damage caused by accidental damage, fire, theft and third party
liability cover.
What is insured? What is not insured?
 Whilst driving your vehicle you will be covered for  Your policy excesses as shown in policy
any one claim or claims arising out of one incident documentation.
following:
Property damage up to £20,000,000 for all vehicles;  Compensation for not being able to use your
Property damage costs/expenses up to vehicle.
£5,000,000;
Legal costs up to £35,000;  Loss or damage by theft or attempted theft if left
Prosecutions against Health & Safety up to unlocked, the keys left in or on your vehicle, left
£1,000,000. with the windows/roof panel open or reasonable
precautions not been taken to protect your vehicle.
 Third Party Cover for driving other vehicles is  Damage to your tyres unless caused by an
provided when shown on your motor certificate. accident to your vehicle.
 Loss of or damage to your vehicle as shown in  Any accessories not permanently attached to your
your schedule for accidental damage, fire and theft. vehicle.
We will either cover your costs to repair, pay a cash
amount to replace or replace the lost or damaged  Loss or damage due to wear and tear, failures,
item. The most we will pay for the loss of or damage breakdowns or breakages of mechanical,
to your vehicle is up to the value shown on your electrical or computer equipment.
schedule.
 Damage to your windscreen or windows is  Loss or damage to your vehicle as a result of
provided. deception.
 Medical expenses for you or anyone who is injured  Loss or damage covered by another insurance
while they are in your vehicle as a result of an accident policy.
up to £500.
 Personal Accident cover for the driver of any  Loss of fuel.
insured vehicle, if involved in an accident and within
three months of that accident it is the only cause of  Vehicle taken without consent by a member of
death or injury. The most we will pay for death, loss your immediate family or a person living in your
of one or more limbs or permanent loss of sight in home, unless that person is convicted of theft.
one or both eyes is £10,000.
 Personal belongings lost or damaged in or on your N.B. Please refer to your policy wording for full
vehicle caused by an accident, fire, theft or attempted terms and conditions.
theft up to £500.
 Loss of keys and replacing locks for your vehicle if
lost or stolen and have not been recovered up to
£1,000.
 Unauthorised use of the vehicle or unlicensed driver(s).
ERS Syndicate 218 at Lloyd's is managed by ERS Syndicate Management Limited (company no.00426475), which is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no.204851). ERS Syndicate
Management Limited is registered in England and Wales with its registered address at 21 Lombard Street, London, EC3V 9AH.
Insurance Product Information Document - Page 1 of 2

Are there any restrictions on cover?
! Endorsements may apply to your policy, these will be shown in your policy documents.
! If a claim is made which you or anyone acting on your behalf knows is false, fraudulent, exaggerated, or provides
false or stolen documents to support a claim we will not pay the claim and cover under this insurance will end.
! Where the driving other vehicles benefit applies, the vehicle you are driving must be insured in its own right.
Where am I covered?
 We will provide the minimum insurance needed by the relevant law for up to 60 days while you are using your
commercial vehicles or private cars in the European Union, Andorra, Iceland, Norway, Serbia or Switzerland
(including Liechtenstein).
Your permanent home must be in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man and your
visit to these countries must be temporary.
We can provide full policy cover when you travel abroad or additional countries for which we have agreed to.
What are my obligations?
- Your premium is based on the information you gave at the start of the insurance and when it is renewed. If you
have failed to give us complete and accurate information, this could lead to us changing the terms of your policy,
refusing your claim or the insurance not being valid.
- In the event of a claim or possible claim:

You will need to pay the agreed excess as shown in your schedule.
You must notify us as soon as possible of the incident happening.
- Windscreen excesses:
If your windscreen is replaced by our approved supplier, you must pay the first £75 of any claim.
If your windscreen is repaired by our approved supplier, you must pay the first £10 of any claim.
If your windscreen is repaired or replaced by any other company, you must pay the first £125 of any claim.
For agriculture vehicles, you must pay the first £50 of any claim.
- You must not admit to, negotiate on or refuse any claim unless you have our permission.
- You must tell us immediately about any changes to the information you have already provided. Please contact
your broker if you are not sure if information is relevant. If you don’t tell us about relevant changes, your
insurance may not cover you fully, or at all.
When and how do I pay?
- For full details of when and how you pay, you need to contact your broker directly.
When does the cover start and end?
- Your insurance is a 12 month contract which may be renewed each year. Renewal will be subject to the terms and
conditions that apply at the time of renewal.
- Your Insurance cover start and end dates will be shown on your policy schedule and certificate of motor insurance.
How do I cancel the contract?
- You may cancel the insurance at any time by informing your broker.
- If you change your mind about this insurance, you must advise us within 14 days of the start date. Provided your
vehicle has not been subject of a claim, we will make a charge equal to the period of cover you have had, but this
charge will be subject to a minimum amount of £25 plus Insurance Premium Tax.
Yes
ERS Syndicate 218 at Lloyd's is managed by ERS Syndicate Management Limited (company no.00426475), which is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no.204851). ERS Syndicate
Management Limited is registered in England and Wales with its registered address at 21 Lombard Street, London, EC3V 9AH.
Insurance Product Information Document - Page 2 of 2

Your policy document ¦ Reference ACFE0619
Farmers
[Type here]
Your policy document
Welcome to your ERS policy document. To know exactly what your insurance covers with us, please make sure to read this document carefully.
You should read it alongside any schedule, endorsement or certificate you’ve received from ERS.
If you have any questions about your cover, please contact your broker directly.
This insurance is written in English and any communications we send to you about it will be in English.
The law of England and Wales will apply to this contract unless:
 You and we agree otherwise or
 At the start date of the contract you are a resident of (or in the case of a business, the registered office or principal place of business is in)
the Channel Islands or the Isle of Man, in which case the law of that area of jurisdiction will apply
Our agreement – your insurance

The information you or your representative have supplied has been relied upon by us in offering the contract of insurance.
This policy document, certificate of motor insurance, schedule, any schedule of endorsements form the contract of insurance between you (the
insured) and us (ERS).
You should read all parts of the contract as one document. Please remember to read the contract carefully, including all terms, conditions and
exceptions to ensure it meets your needs.
The contract does not give, or intend to give, rights to anyone else. No-one else has the right to enforce any part of this contract. We may cancel
or change any part of the contract without getting anyone else’s permission.
Signed for and on the behalf of ERS
Martin Hall
Active Underwriter
About ERS
ERS (Syndicate 218 at Lloyd’s) is managed by ERS Syndicate Management Limited, which is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. (Registered number 204851).
ERS Syndicate Management Limited is registered in England and Wales number 426475. The registered office is:
21 Lombard Street, London, EC3V 9AH
ERS POLICY DOCUMENT NUMBER ACFE 0619 2

Contents
Definitions 4
What to do if you need to make a claim 5
Cover 7
Section 1 – Liability to others 8
Section 2 – Loss of or damage to your vehicle 11
Section 3 – Foreign use 16
Section 4 – Medical expenses 16
Section 5 – Personal accident benefits 16
Section 6 – Personal belongings 17
Section 7 – Loss of keys and replacement locks 17
Section 8 – Unauthorised use 17
Section 9 – Unlicensed drivers 17
General terms 18
General exceptions 19
General conditions 21
Complaints 24
Important notices and information 25

Definitions
The key words and terms that we use in this document.
 Accessories - parts added to your vehicle that do not affect its performance
 Approved repairer - a motor vehicle repairer which is a member of our approved repairer network and is authorised by us to repair the insured
vehicle after a valid claim under Section 2 of this insurance
 Certificate of motor insurance - a document which is legal evidence of your insurance and which forms part of this document, and which you
must read with this document
 Courtesy car - a Group B (small standard private car) or PV1 (small car-derived van or similar) vehicle loaned to you by our approved repairer
whilst the insured vehicle is being repaired after a valid claim under Section 2 of this insurance
Note: A courtesy car is intended to keep you mobile. It is not necessarily a like for like replacement of your vehicle. All courtesy cars are subject
to the driver meeting the terms and conditions of hire from the approved repairer
 Endorsement - a change in the terms of the insurance which replaces the standard insurance wording, and is printed on, or issued with, the
current schedule and current schedule of endorsements
 ERS - is made up of the Lloyd’s underwriters who have insured you under this contract. Each underwriter is only legally responsible for their
own share of the risk and not for any other’s share. You can ask us for the names of the underwriters and the share of the risk each has taken
on
 Excess - a contribution by you towards a claim under this insurance
 Market value - the cost of replacing your vehicle with another one of the same make, model and specification and of similar age, mileage and
condition at the time of an accident or loss
 Period of insurance - the period of time covered by this insurance (as shown on the schedule) and any further period for which we accept your
premium
 Road - any place which is a road for the purpose of any compulsory motor insurance law that operates in the United Kingdom
 Schedule - the document showing the vehicle we are insuring and the cover which applies
 United Kingdom - England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands
 We, us - ERS
 You - the person named as ‘the insured’ on the schedule, or as ‘the policyholder’ on any certificate of motor insurance or renewal notice
applying to this insurance
 Your vehicle, the insured vehicle - any vehicle shown on the schedule or described on the current certificate of motor insurance (and under
section 1 only, an attached caravan or trailer)
 Agricultural vehicle - a vehicle (including quad bike and mechanically propelled special plant) used solely for agricultural or forestry
purposes
 Articulated vehicle - a commercial vehicle made up of a power unit and one or more semi-trailers
 Bus - a passenger carrying vehicle with 17 or more passenger seats
 Car - any private car, estate car or utility car, but excluding taxi
 Coach - a passenger carrying vehicle with 17 or more passenger seats
 Commercial vehicle, HGV, (Heavy Goods Vehicle) LCV, (Light Goods Vehicle) Lorry - any motor vehicle other than a car, coach, minibus
or motorcycle. agricultural vehicle, articulated vehicle, bus, motor caravan, taxi, trade plate
 Motor caravan –a vehicle designed primarily for leisure purposes that meet the requirements of the DVLA classification, which
includes: a table; and fixed: cupboard; sleeping accommodation; water and cooking facilities
 Motorcycle - any motorcycle, motorcycle and sidecar or moped
 Minibus - a vehicle with between 9 and 16 passenger seats in addition to the driver
 Taxi –a car used primarily as a tool of trade for the purpose of transporting fare paying passengers for reward
 Trade plate – any vehicle displaying Motor Trade plates for the purposes of testing other people’s vehicles on public roads by a
registered Motor Trader
 Trailer - a trailer, semi-trailer or container used for carrying goods but which cannot be driven itself, and any agricultural machine or
tool designed to be attached to an agricultural vehicle. (This does not include a mechanically driven vehicle)

What to do if you need to make a claim
Nobody likes having to make a claim. But by following these two simple steps you can make sure it goes smoothly:
 You must tell us about any potential claim at the earliest opportunity. If applicable, and it is safe to do so, please call us from the scene of the
accident
 Take photographs of any damage to the vehicles involved
Claims and windscreen helpline – 0330 123 5991
 Call this number if you need to report an accident, fire, theft or windscreen claim (if applicable)
 We’re open 24 hours a day, 365 days a year. Our expert staff will take down the details, and help you get back on the road as soon as possible
 If your claim is due to theft, attempted theft, malicious damage or vandalism, you should also notify the Police and obtain a crime reference
number
You can count on us for all this:
 A market-leading customer experience

 A specialist team to handle your claim
 A network of approved suppliers to get you back on the road quickly
 Fraud prevention to keep your premiums low
 Positive handling of third-party claims to keep costs down
 Sophisticated tools to help claims go smoothly
Repairing your vehicle
If your insurance covers damage to your vehicle, we can talk you through the options for getting it repaired.
We’ll take care of everything:

 If your vehicle can’t be driven we will arrange for roadside recovery
 We’ll collect the vehicle from you and deliver it back to you after the repairs
 Repairs will be carried out by a garage in our approved repairer network, provided that’s the best option for you
 An expert claim handler will manage your claim for you
We want to get you back on the road as soon as possible.
Keeping your vehicle safe
Please make sure your vehicle is locked and the keys are in a safe place.
Your insurance won’t cover loss of your vehicle or its contents by theft or attempted theft, or if it’s been taken by an unauthorised person if:
 It was left unlocked or
 It was left with the keys (or any form of keyless entry / ignition control device), in or on it or
 It was left with the windows, or roof panel or the roof of convertible vehicle open (if your vehicle has these) or
 Reasonable precautions were not taken to protect it

If someone makes a claim against you
There are a few simple steps you can take to try to reduce the amount of any claim against you, and to protect yourself against fraudulent claims.
Don’t apologise or admit it was your fault
Make sure to take the other person’s details, including:

 Their name, address and contact number
 The registration number and make and model of their vehicle
 Their insurer’s name and policy number
Take photos of:

 Any damage to their vehicle
 Any damage to your own vehicle
 The scene of the accident, as long as it’s safe to do so
Make a note of:

 Any injuries to anyone involved
 The number of passengers in the other vehicle
 The name, address and contact number of any witnesses
 The name and number of any police officer who attends the scene of the accident
 Any unusual behaviour from the other person and the direction they take when they leave the scene

Cover
The insurance cover you have
Your schedule shows you what cover you have. The different types of cover are listed below together with the sections of the policy that apply.
Accidental
Accidental
Damage & Third party Fire Third Party
Section name Comprehensive Damage Fire & Fire & Theft
Third party & Theft Only
Theft
Only
Section 1 - Liability to others      
Section 2 - Loss of or damage to your
     
vehicle
Accidental damage -------------------      
Malicious damage ---------------------      
Fire ---------------------------------------      
Flood -------------------------------------      
Theft -------------------------------------      
Vandalism ------------------------------      
Windscreen -----------------------------      
Section 3 - Foreign Use      
Section 4 - Medical expenses      
Section 5 - Personal accident      
Section 6 - Personal belongings      
Section 7 - Loss of keys and replacing
     
locks
Section 8 - Unauthorised use      
Section 9 - Unlicensed drivers      
Certain parts of this document only apply to certain types of vehicle. This will be clearly shown in the title of the section or sub-section
concerned.
The General Terms, Conditions and Exceptions apply to all sections of the policy.
IMPORTANT: You can only have Accidental Damage Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN (officially off the
road) with the DVLA and is not being used.

Section 1 – Liability to others
Driving your vehicle
We will provide insurance for any accident you have while you are driving, using or in charge of your vehicle or while you are loading or unloading
it.
We will insure you for all amounts you may legally have to pay for causing death or injury to other people.
The most we will pay for property damage is £20,000,000 for any claim or claims arising out of one incident.
We will pay up to £5,000,000 for any costs and expenses arising out of a claim or claims arising from one incident.
If there is a property damage claim made against more than one person covered by this insurance, we will first deal with any claim made against
you.
Driving other vehicles
We will also provide the cover shown above (if this is shown in your certificate of motor insurance), to drive any private car that you do not own
and have not hired under a hire-purchase or leasing agreement, as long as you have the owner’s permission to drive the car.
You are not insured against:

 Any loss or damage to the vehicle you are driving
 Any event which happens outside of the United Kingdom
 Any legal responsibility if you no longer have the insured vehicle
 Any event which happens when this insurance is not in the name of an individual person
 Any legal responsibility unless the vehicle is insured against third party road risks, in its own right or
 Securing the release of a vehicle that has been seized by or on behalf of the police or any public or local authority
Other people driving or using your vehicle
In the same way you are insured, we will also cover the following people:
 Any person you allow to drive or use your vehicle, as long as this is allowed by your current certificate of motor insurance and has not been
excluded by an endorsement, exception or condition
 Any passenger who has an accident while travelling in or getting into or out of the insured vehicle, as long as you ask us to cover the passenger
Legal personal representatives
After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, as long as the claim is
covered by this insurance.
Business use (private cars only)
If your certificate of motor insurance allows business use, we will insure your employer or business partner against the events shown above under
‘Driving your vehicle’ while you are working for that employer or partner, but not while using a vehicle provided by the employer or partner unless
that vehicle is shown in your schedule.
Cover for principals
As far as is necessary to meet the requirements of any agreement or contract entered into by you for the performance of work, we will insure the
principal at your request - provided the principal complies with the terms and conditions of this insurance in so far as they can apply.

Contingent liability
We will insure you while an employee of yours uses, on your business, a vehicle you do not own or have supplied as long as:
 You have given express permission for the vehicle to be used on your business
 You have taken all reasonable steps to ensure that there is a separate motor insurance policy, in the employee’s name, giving you cover for
such use and
 There is no cover provided by any other insurance
We will not be liable:

 For any loss or damage to such vehicle or
 To cover any person driving such vehicle
Joint liability
If this document is in the name of more than one person, we will cover each person as if we had sent an individual document to each. We will
cover each against the liability of the other, as long as the liability, loss or damage is not covered by any other insurance.
Unauthorised movement
We will insure you in respect of any accident caused by, through or in connection with the movement of any motor vehicle not belonging to you
and not in your custody or control, as long as the vehicle is preventing your vehicle from passing and:
 Is being moved by an employee of yours
 Is being moved in connection with your business
 Is not the property of the employee moving it and
 Is not covered by any other insurance covering such accident, damage or loss
Legal costs
In respect of any event which is covered under this Section, if we first agree in writing, we will arrange and pay:
 Up to £35,000 towards your legal fees and expenses for defending legal proceedings, including appeals, and
 Up to £1,000,000 towards the cost of any prosecution awarded against you arising from any health-and-safety enquiry or criminal
proceedings for breaking the:
 Health and Safety at Work Act 1974
 Health and Safety at Work (Northern Ireland) Order 1978 or
 Corporate Manslaughter and Corporate Homicide Act 2007
We will not provide this cover:

 Unless the proceedings relate to an actual or alleged act, failure to act or accident that happens during the period of insurance within the
United Kingdom and in connection with your business
 Unless the proceedings relate to an actual or alleged act, failure to act or accident arising from you, or a person on your behalf using, or you
having or owning, a motor vehicle or trailer where compulsory insurance or security is required by the Road Traffic Act
 For any proceedings which result from your deliberate act or failure to act or
 Where cover is provided by any other policy
Emergency medical treatment
Where we must provide cover under the Road Traffic Act, we will pay for emergency medical treatment that is needed after an accident involving
any vehicle which this insurance covers.
This cover only applies in the United Kingdom and where we must provide it under the Road Traffic Acts.

Towing
Under this section we will insure you while any vehicle covered by this insurance is towing a caravan, trailer or a broken-down vehicle (as allowed
by law).
We will only provide this cover if:

 The caravan, trailer or broken-down vehicle is properly secured to your vehicle by towing equipment made for the purpose and
 The method of towing the caravan, trailer or broken-down vehicle stays within the manufacturer’s recommended towing limits and any other
relevant law
We will not pay any claim arising from:

 Loss of or damage to the towed caravan, trailer or broken-down vehicle
 Loss of or damage to any property being carried in or on the towed caravan, trailer or broken-down vehicle
 A caravan, trailer or broken-down vehicle being towed for reward
 Towing more trailers than the number allowed by law or
 If more than one caravan or broken-down vehicle is being towed at any one time
Exceptions to Section 1
This section of your insurance does not cover the following:
1. Anyone who can claim for the same loss from any other insurance
2. Loss of or damage to property belonging to (or in the care of) anyone we insure and who is making a claim under this part of the insurance
3. Death of or bodily injury to any person arising out of and in the course of their employment by the policyholder or by any other person claiming
under this insurance. This does not apply if we need to provide cover due to the requirements of relevant laws
4. Any legal responsibility, unless we need to provide the minimum insurance required by the Road Traffic Act, for claims for death, injury, illness,
loss or damage to property arising directly or indirectly from pollution or contamination unless caused by a sudden identifiable unintended
and unexpected event
This exception:
 Relates to contamination or pollution caused directly or indirectly by any substance, liquid, vapour or gas leaking or being released and
 Includes contamination or pollution of any building or other structure, water, land or the air
We will not pay for claims arising directly or indirectly from contamination or pollution if it is caused by any substance, liquid, vapour or gas being
deliberately released or leaks caused by the failure to maintain or repair your vehicle, or any part of it.
5. Death, bodily injury or damage arising as a result of loading or unloading your vehicle somewhere other than on the road by anyone apart from
the driver or attendant
6. Death, bodily injury or damage arising out of crop spraying

Section 2 – Loss of or damage to your vehicle
This cover only applies to your vehicle
We will insure your vehicle against loss or damage (less any excess that applies) caused by:
 Accidental or malicious damage, flood damage or vandalism
 Fire, lightning, self-ignition and explosion or
 Theft or attempted theft, or taking your vehicle away without your permission
For a claim under this section we will, at our absolute discretion, either:
 Pay for the damage to be repaired

 Pay an amount of cash to replace the lost or damaged item or
 Replace the lost or damaged item
The most we will pay will be either:
 The UK mainland market value of your vehicle as determined by us, immediately before the loss; up to the value shown on your schedule or
 The amount it would cost us to repair your vehicle at an ERS approved repairer or as otherwise agreed by our appointed engineer
whichever is less.
We will not pay the cost of any repair or replacement which improves your vehicle or accessories to a better condition than they were in before
the loss or damage. If this happens, you must make a contribution towards the cost of repair or replacement.
We will not pay the VAT element of any claim if you are registered for VAT.
Excesses
If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage.
If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to
each vehicle separately.
Windscreen damage (comprehensive cover only)
You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or
windscreen. The helpline number is 0330 123 5991
This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic.
The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen:
 If your windscreen is replaced by our approved supplier, you must pay the first £75 of any claim
 If your windscreen is repaired by our approved supplier, you must pay the first £10 of any claim
 If your windscreen is repaired or replaced by any other company, you must pay the first £125 of any claim
 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will
not affect your no claim bonus
Agricultural vehicles
 You must pay the first £50 of any claim regardless of which company carries out the repair or replacement

Extra excesses for young or inexperienced drivers
If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim
as shown below. This is on top of any other excess that you may have to pay.
Drivers Amount
Under 21 years of age £300
Aged 21 to 24 years £200
Aged 25 years or over who has a provisional driving licence or has not held, for 12 £200
months or more, a full driving licence issued by any country which is a member of
the European Union.
These amounts do not apply if the loss or damage is caused by fire or theft or where the insured vehicle is an agricultural vehicle.
Recovery and redelivery
After any claim under this section we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the
nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair.
Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move
your vehicle, we will not pay any extra cost arising from that damage.
All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent we will
not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.
Repairs
If your vehicle is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our
approved repairers to repair your vehicle.
Where using our approved repairer for the repair of your vehicle, and your vehicle does not exceed 3.5 tonne gross vehicle weight our approved
repairer will:
 Guarantee the repairs for 5 years
 Endeavour to use original equipment manufacturer parts/equipment where feasible
 Upon, request and subject to availability, supply you with a courtesy car for the duration of the vehicle repair or until your policy
expires, whichever is the sooner
If your vehicle cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your
choice if previously agreed by us.
If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all
circumstances, anyone conducting repairs to an insured vehicle should retain the following for our inspection:
 A fully costed estimate
 All damaged parts and
 Images of the damaged areas of the insured vehicle
If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under
this Section.
If you choose to not use our approved repairer, we will not:

 Be responsible for any delays incurred by the repairer
 Guarantee the provision of a courtesy car
 Guarantee the repairs
 Guarantee the use of original equipment manufacturer paint/parts
We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs.
It is not our policy to use recycled or non-original parts and equipment when repairing your vehicle, although on occasion it may be necessary.

Total loss
When deciding whether your vehicle is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor
Vehicle Salvage.
We alone will determine:

 When an insured vehicle is deemed a total loss
 The market value of the insured vehicle; and where applicable
 Any salvage value of that insured vehicle
In the event that we deem your vehicle a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will, unless you
qualify for a new van replacement benefit, offer an amount in settlement of the claim.
The insurance cover for that insured vehicle will end when you accept that offer.
You will not receive a refund of premium if your insurance ends due to the total loss of your vehicle.
If your insurance covers more than one vehicle, cover will remain in force for any vehicles that have not been declared a total loss.
If the insured vehicle is owned by someone else, we will discuss the valuation and payments directly with the vehicle owner rather than with you.
When we determine the value of the insured vehicle, we will take into account any discount on the manufacturer’s recommended retail price
received at the point of purchase.
Our offer will not exceed the amount shown on schedule.
Once we have made a payment, the insured vehicle becomes our property unless we agree otherwise.
Vehicles subject to a finance agreement

If the market value we place upon the insured vehicle is equal to or greater than the amount owed to the finance company:
We will pay the finance company first and then settle the balance with the legal owner of the insured vehicle.
If the market value placed upon the insured vehicle is less than the amount owed to the finance company:
We will pay the finance company the market value of the insured vehicle. You may be required by the finance company to pay them the balance,
subject to the terms of your agreement with them.
Vehicles subject to a lease / hire agreement – No legal right to title

If the market value we place upon the insured vehicle is greater than the amount owed to the lease / hire company, we will pay them only the
amount of the outstanding finance, which will settle the claim in full.
If the market value we place upon the insured vehicle is less than the amount owed, the amount we pay to the lease / hire company will settle
the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them.
Vehicles subject to a lease / hire agreement – Legal right to title or proceeds of sale
We will pay the lease / hire company the market value of the vehicle, which will settle the claim in full. Any transfer of legal title or distribution of
the proceeds of the vehicle should be taken up directly with the lease / hire company in line with the specific terms of your agreement.
Salvage
Where applicable, your vehicle will have a salvage category placed upon it, in line with the ABI Code of Practice.
Only vehicles deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as
determined by us, will be deducted from the settlement.
At the point of payment the vehicle will become our property unless we agree otherwise.
If your vehicle has been subject to an insurance write off (total loss), you must be able to evidence the vehicle has been restored to a roadworthy
condition.
In the event of the insured vehicle being subject to another claim, we will require documentary evidence of repairs and other documentation as
we may require, to evidence, and to satisfy us, that the insured vehicle has been maintained in a roadworthy condition, otherwise the valuation
will be affected.

If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the vehicle, all keys
and any other relevant documentation before we agree to settle the claim.
New vehicle replacement (commercial vehicles and cars only)
If your vehicle is a private car or a commercial vehicle with a gross vehicle weight of 3.5 tonnes or less, we will replace it with a new one of the
same make, model and specification (if one is available) if it is less than one year old from the date of you buying it new and:
 The cost of repairing any damage (that is covered by this insurance) is more than 50% of the manufacturer’s recommended retail price
(including taxes) or
 It is lost by theft or is stolen and not recovered
If a vehicle is not available, we will pay an amount equal to that which was paid when you bought your vehicle or the current manufacturer’s
Recommended Retail Price (including taxes), whichever is less. The lost or damaged vehicle will then belong to us.
We will only provide this benefit if you ask for it and anyone who has a financial interest in the vehicle agrees.
Audio, visual, communication, guidance or tracking equipment
The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking
equipment that formed part of your vehicle when it was originally made.
We will pay up to £500 for any permanently fitted equipment that was not part of your vehicle when it was originally made.
We will also provide cover up to £20,000 for accessories and spare parts (including GPS navigation systems) which relate directly to the function
of your Agricultural Vehicle. This includes cover whilst they are temporarily removed from the vehicle. The value of this equipment must be
included within the value of the vehicle as declared in the schedule.
When your vehicle is being serviced
The cover provided under this section will still apply when your vehicle is being serviced or repaired. While your vehicle is in the hands of the
motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance).
Articulated vehicles
If your vehicle is articulated, we will also insure any semi-trailer against loss or damage while it is attached or detached from your vehicle, during
the course of a journey.
If the combined value of the power unit and semi-trailer is greater than the last total value of your vehicle you told us about (and we accepted) we
will only pay the value shown in your schedule.
Agricultural trailers
Where your vehicle is either: an agricultural vehicle, a car or commercial vehicle, we will provide cover for any trailer which is used only for
agricultural or forestry purposes, and which is owned or controlled by you or for which you are legally responsible, against loss or damage, while
it is either attached to, or detached from, your vehicle.
We will not pay any claim arising from the following:

 Loss of or damage to any property being carried in or on the trailer
 Loss of or damage to any property being loaded onto or unloaded from the trailer
 Loss of or damage to any caravan or trailer carrying liquid fuel, unless we agree otherwise
We will only provide this cover if the way you are towing the trailer keeps to the manufacturer’s instructions and any relevant law.

Exceptions to Section 2
This section of your insurance does not cover the following:
1. The amount of any excess shown on your schedule
2. Any amount as compensation for you not being able to use your vehicle (including the cost of hiring another vehicle)
3. Wear and tear
4. Failures, breakdowns or breakages of mechanical, electrical, electronic or computer equipment
5. Your vehicle’s value reducing, including loss of value as a result of damage, whether the damage is repaired or not
6. Repairs or replacements which improve the condition of your vehicle
7. Damage to tyres, unless caused by an accident to your vehicle
8. Damage due to liquid freezing in the cooling system, unless you have taken reasonable precautions as laid down by the vehicle
manufacturer’s instructions
9. Loss of or damage to accessories unless they are permanently attached to your vehicle
10. Any amount over the last-known list price of any part or accessory or the cost of fitting any part or accessory if the vehicle manufacturer or its
agent cannot supply it from stock held in the United Kingdom. (This exception does not apply where any applicable part or accessory is no
longer commercially available from the vehicle manufacturer or their agents in the United Kingdom)
11. Loss of or damage to your vehicle as a result of deception
12. Loss resulting from repossessing your vehicle and returning it to its rightful owner
13. Loss of or damage to your vehicle or its contents by theft or attempted theft or an unauthorised person taking and driving it if:
 It has been left unlocked
 It has been left with the keys (or any form of keyless entry / ignition control device), in it or on it
 It has been left with the windows, roof panel or the roof of a convertible vehicle open or
 You have not taken reasonable precautions to protect it
14. Loss of or damage to your vehicle resulting from a member of your immediate family, or a person living in your home, taking your vehicle
without your permission, unless that person is convicted of theft
15. Loss of or damage to any vehicle which you are driving or using that does not belong to you, is not being bought by you under a hire-purchase
agreement or is leased to you (unless that vehicle is shown in your schedule)
16. Loss of fuel
17. Loss or damage due to confiscation, requisition or destruction by or under the order of any government, public or local authority

Section 3 – Foreign use
We will provide the minimum insurance needed by the relevant law to allow you to use your vehicle:
 In any country which is a member of the European Union and
 In any other countries which have made arrangements to meet the insurance conditions of, and are approved by, the Commission of the
European Union
 While your vehicle is being transported (including loading and unloading), between ports in countries where you have cover, as long as your
vehicle is being transported by rail or by a recognised sea route of not more than 65 hours
Commercial vehicles and private cars
If your vehicle is a private car or commercial vehicle with a gross vehicle weight of 3.5 tonnes or less, we will provide the cover shown in your
schedule when you visit any country which is a member of the European Union, Andorra, Iceland, Norway, Serbia or Switzerland (including
Liechtenstein).
There is no limit on the number of trips you make in any period of insurance but each trip must be for no more than 60 days.
This cover only applies if your visit to these countries is temporary and your permanent home is in the United Kingdom.
Extra cover
If you want to travel to any other country, or want full policy cover when you travel abroad, you must contact your broker.
If we agree to extend your cover, and you pay any extra premium that we ask for; we will extend your insurance to apply in any country for which
we have agreed to provide cover.
Customs duty and other charges
If your vehicle suffers any loss or damage covered by this insurance, and your vehicle is in any country for which we have agreed to provide cover,
we will:
 Refund any customs duty you have to pay after temporarily importing your vehicle into any of the countries where you have cover
 Refund any general average contributions and salvage charges you may have to pay while your vehicle is being transported by a recognised sea
route and
 Pay the cost of delivering your vehicle to you at your address in the United Kingdom after the repairs have been made if your vehicle cannot be
driven because of any loss or damage
Section 4 – Medical expenses

We will pay up to £500 for each person for the medical expenses of anyone who is injured while they are in your vehicle as a result of an accident
involving your vehicle.
You will not have to pay an excess for any claim under this section.
Section 5 – Personal accident benefits

If the driver of the insured vehicle is accidentally killed or injured while getting into, travelling in or getting out of the vehicle we will pay £10,000
for:
 Death
 Total and permanent loss of sight in one or both eyes
 Loss of one or more limbs
 We will only pay this amount if the cause of the death or injury is an accident involving the insured vehicle and the death or injury happens
within 3 months of the accident. Payment will be made direct to the injured person or to their legal representative
We will not pay:

 More than £10,000 in any period of insurance
 For injury arising from suicide or attempted suicide
 For death or injury to any person convicted of driving while under the influence of drink or drugs at the time of the accident or
 For death of or injury to any person not wearing a seat belt when they have to by law

Section 6 – Personal belongings
We will pay up to £500 for personal belongings in or on your vehicle if they are lost or damaged because of an accident, fire, theft or attempted
theft.
This personal belongings cover does not apply to:

 Money, stamps, tickets and documents
 Goods or samples connected with the work of any driver or passenger
 Property insured under any other contract
 Wear and tear or
 Property that was not reasonably protected
Section 7 – Loss of keys and replacement locks

We will pay up to £1,000 if the keys for your vehicle are lost or stolen and have not been recovered. We will pay the cost of replacing the entry key
and transponders, ignition and steering locks that can be opened or operated with the lost items. This applies as long as:
 You let the police know about the loss as soon as it is discovered and
 The address where your vehicle is kept would be known to any person who has your keys or lock transponder
Section 8 – Unauthorised use

The insurance provided by this document will apply if an employee of yours uses your vehicle without authority but we will not be liable to cover
your employee.
Section 9 – Unlicensed drivers

We will insure an unlicensed driver under this document when a licence is not required by law.

General terms
Extra matters to bear in mind
No claim bonus
This insurance does not use a No Claims Bonus scale for the purposes of rate setting.
A no claims bonus cannot be earned under this insurance.
Changing or adding a vehicle to this insurance
If you change the vehicle covered by this insurance or need cover for an extra vehicle (including a temporary vehicle), please contact your broker
to discuss your requirements. If cover is agreed, your broker will let you know about any change in premium and arrange for a new set of policy
documents to be issued.
Payments for journeys (car sharing - private cars only)
You can accept payments from passengers in your vehicle if you are giving them a lift for social or other similar purposes.
Accepting these payments will not affect your insurance cover if:
 Your vehicle cannot carry more than nine people (including the driver)
 You are not carrying the passengers in the course of a business of carrying passengers and
 The total of the payments you receive for the journey does not provide a profit

General exceptions
These general exceptions apply to the whole insurance.
Your insurance does not cover you for:
Drivers and use
Any legal responsibility, loss or damage (direct or indirect) arising while any vehicle covered by this insurance is being:
 Used for a purpose for which your vehicle is not insured
 Driven by or is in the charge of anyone (including you) who is not mentioned on the certificate of motor insurance as a person entitled to drive
or who is excluded by an endorsement
 Driven by or is in the charge of anyone (including you) who is disqualified from driving, does not hold a valid driving licence in line with current
law or has never held a licence to drive your vehicle, does not keep to the conditions of their driving licence or is prevented by law from having a
licence (unless they do not need a licence by law)
 Used on any race track, race circuit or toll road without a speed limit (such as the Nurburgring)
 Used for racing or pace-making, used in any contest (apart from treasure hunts, road safety and non-competitive rallies); or speed trial or is
involved in any rigorous reliability testing
Construction and use
Any legal responsibility, loss or damage (direct or indirect) arising while any vehicle covered by this insurance is being used to carry:
 More passengers than the maximum seating capacity for the insured vehicle as set by the vehicle manufacturer or
 Passengers in a manner likely to affect the safe driving and control of your vehicle or
 Any load which is greater than the maximum carrying capacity as set by the vehicle manufacturer or if applicable; any plated weight limit of the
insured vehicle
Airfields
Any legal responsibility, loss or damage (direct or indirect) arising while any vehicle covered by this insurance is being used in or on a restricted
area (areas to which the public do not have free vehicular access) of an airport, airfield or aerodrome. We will not pay for any claim concerning an
aircraft within the boundary of the airport, airfield or aerodrome except where we need to provide the minimum insurance required by the Road
Traffic Act.
Hazardous goods
Any legal responsibility, loss or damage (direct or indirect) caused by, contributed to or arising from carrying any dangerous substances or goods
for which you need a licence from the relevant authority (unless we need to provide cover to meet the minimum insurance needed by law).
Criminal acts
Any legal responsibility for loss or damage (direct or indirect) caused whilst your vehicle is used by anyone insured under this insurance:
 In the course or furtherance of a crime or
 As a means of escape from, or avoidance of lawful apprehension
Deliberate acts
Any legal responsibility for the death of or injury to any person or loss or damage (direct or indirect) caused by a deliberate act or omission to act
by anyone insured under this insurance.
Excess
The amount of any excess shown within this policy document and / or on your schedule.

Other contracts
Any legal responsibility, loss or damage (direct or indirect) that:

 Is also covered by any other insurance or
 You have accepted under an agreement or contract unless you would have had that responsibility anyway
 Happens outside the United Kingdom, other than where we have agreed to provide cover. (Please refer to the Foreign use section of this policy
document)
Jurisdiction
Any proceedings brought against you, or judgment passed in any court outside the United Kingdom, unless the proceedings or judgment arises
out of your vehicle being used in a foreign country which we have agreed to extend this insurance to cover.
Earthquake, riot war and terrorism
Any legal responsibility, loss or damage (direct or indirect) caused by, contributed to or arising from:
 An earthquake
 The result of war, riot, civil commotion, revolution or any similar event elsewhere than in Great Britain, the Channel Islands or the Isle of Man
(unless we need to provide cover to meet the minimum insurance needed by law)
 Acts of terrorism, as defined in the UK Terrorism Act 2000, unless we need to provide the minimum insurance required by the Road Traffic Act
Nuclear/radioactive contamination
Any legal responsibility, loss or damage (direct or indirect) caused by, contributed to or arising from:
 Ionising radiation or contamination from any radioactive nuclear fuel, or from any nuclear waste from burning nuclear fuel
 The radioactive, toxic, explosive or other dangerous property of any explosive nuclear equipment or nuclear part of that equipment
Sonic bangs
Any legal responsibility, loss or damage (direct or indirect) caused by, contributed to or arising from pressure waves caused by aircraft or other
flying objects.

General conditions
What we expect for your cover to be valid
Your responsibilities
Your premium is based on the information you gave at the start of the insurance and when it is renewed.
You are responsible for the information you or your appointed representative has provided to us. You should ensure that the information provided
is, as far as you know, correct and complete.
If you have failed to give us complete and accurate information, this could lead to us changing the terms of your policy, refusing your claim or the
insurance not being valid.
You must, if requested, provide us with all relevant information and documentation in relation to this insurance.
The vehicle must have an MOT (unless exempt), be taxed (unless exempt), insured and registered in the UK and you must:
 Take all reasonable steps to protect your vehicle from loss or damage
 Maintain your vehicle in a roadworthy condition and
 Let us examine your vehicle at any reasonable time
If the above requirements are not met, we may reject or reduce your claim, and/or cancel your policy or declare your policy null and void.
Changes to your details
You must tell us immediately about any changes to the information you have already provided. Please contact your broker if you are not sure if
information is relevant. If you don’t tell us about relevant changes, your insurance may not cover you fully, or at all.
Here are some examples of the changes you should tell us about:
 A change of vehicle (including extra vehicles and any temporary vehicles)
 All changes you or anyone else make to your vehicle if these make your vehicle different from the manufacturer’s standard specification
(whether the changes are mechanical or cosmetic)
 A change of address
 A change of job, including any part-time work by you or other drivers, a change in the type of business or having no work
 A change in the purpose for which you use your vehicle
 A new main user of your vehicle
 Details of any driver you have not told us about before, or who is not specifically entitled to drive by the certificate of motor insurance or is
excluded by an endorsement, but who you now want to drive
 Details of any motoring conviction, disqualification or fixed-penalty motoring offence of any person allowed to drive or of any prosecution
pending (where a case is being investigated but there is no conviction yet) for any motor offence
 Details of any non-motor conviction or prosecution pending (where a case is being investigated but there is no conviction yet) for any person
allowed to drive
 Details of any accident or loss (whether or not you make a claim) involving your vehicle or that happens while you (or anyone who is entitled to
drive under this insurance) are driving anyone else’s vehicle
 If any driver suffers from a disability or medical condition that must be revealed to the DVLA, whether or not the driving licence has been
restricted
Claim notification
After any loss, damage or accident you must give us full details of the incident as soon as possible.
You must send every communication about a claim (including any writ or summons) to us without delay and unanswered. You must also tell us if
you know about any future prosecution, coroner’s inquest or fatal accident inquiry involving anyone covered by this insurance.
You must give us any information, documentation and help we need to help us deal with your claim. We will only ask for this if it is relevant to
your claim.
You must notify us of a claim at the earliest opportunity of it occurring. If you fail to comply with this section, or otherwise prejudice our position,
we reserve the right to seek recovery of any additional costs incurred due to your action or failure to act.

Claim requirements – rights and obligations
If a claim is made which you or anyone acting on your behalf knows is false, fraudulent, exaggerated, or provides false or stolen documents to
support a claim we will not pay the claim and cover under this insurance will end.
If there are a number of claims for property damage arising out of any one cause, we may pay you up to the maximum amount due under Section
1. (We will take from this amount any amounts we have already paid as compensation.) When we pay this amount, we will withdraw from any
further action connected with settling these claims. We will cover any legal costs and expenses paid with our permission, up to the time we
withdraw from dealing with the claims.
You must not admit to, negotiate on or refuse any claim unless you have our permission.
We can:
 Take-over, carry out, defend or settle any claim and
 Take proceedings (which we will pay for, and for our own benefit) to recover any payment we have made under this insurance
We will take this action in your name or in the name of anyone else covered by this insurance.
You, or the person whose name we use, must co-operate with us on any matter which affects this insurance.
If we refuse to provide cover because you have failed to provide information or provided incorrect information, but we have a legal responsibility
to pay a claim under the Road Traffic Acts, we can settle the claim or judgment without affecting our position under this policy. We can recover
any payments that we make from you.
If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under
Section 2 of this policy document.
Compulsory Insurance laws
If we are required to settle a claim in order to comply with the law applying to any country in which this policy operates, and which we would not
otherwise be required to pay because of a breach of policy conditions, we shall be entitled to recover the amount paid and any associated costs,
from either yourself or the person who incurred the liability.
Arbitration
We accept your claim, but disagree with the claim amount, the matter will be passed to an independent arbitrator (to whom we must both
agree). When this happens, the arbitrator must make a decision before you can start proceedings against us.
Cancellation
“14 days cooling off period”

If this insurance does not meet your needs, you may cancel it, without giving reason, by contacting your broker within 14 days of the policy start
date and declare your requirement to cancel.
We will make a charge equal to the period of cover you have had but this will be subject to a minimum amount of £25 (plus insurance premium
tax (IPT) where applicable), except where an incident has occurred which may give or has given rise to a total loss claim, in which case the full
annual premium will be payable to us.
The 14-day period applies to new policies and the renewal of existing policies.

Outside “14 days cooling off period”
If no claims have been made during the current period of insurance, we will refund the proportional (pro-rata) amount of the premium which
applies to the remaining period of insurance, less a premium charge of £25 (subject to insurance premium tax (IPT) where applicable).
Refunds will be passed to your broker.
If any claim has been made in the current period of insurance, you must pay the full annual premium and you will not be entitled to any refund.
You may cancel this insurance by declaring to your broker, your requirement to cancel.
We or your broker may cancel this insurance by sending seven days’ notice, in writing, to your last known address.
Your insurance may be cancelled because:

 You have not paid when due, a premium on an instalment plan
 You or anyone else covered by this insurance has not met the terms and conditions of the insurance
 You have not provided documentation requested by us or your broker (such as a copy of your driving licence or evidence of no claim bonus)
 A change in your circumstances means we can no longer provide cover
 You misrepresent or fail to disclose information that is relevant to your insurance
 We identify fraud on another associated policy with ERS or
 You harass any member of our staff or show abusive or threatening behaviour towards them
This is not an exhaustive list.
Misrepresentation
Where we identify: misrepresentation, non-disclosure, fraud, or any attempt to gain an advantage under this insurance to which you are not
entitled, we will apply, at our absolute discretion, one or more of the remedies listed below:
 Agree with you to: amend your policy to record the correct information, apply any required change in; premium, policy terms and conditions
 Apply any administration costs
 Reject or pay only a proportion of your claim
 Not return to you any premium paid
 Cancel the policy
 Void the policy (which means to treat the policy as though it never existed)

Complaints
How to make a complaint if things go wrong
Our promise to you
We aim to provide a first class service. If you have any reason to complain about your insurance policy, or us, the complaints procedure is as
follows.
The first step is to contact our dedicated complaint handling department who will review your case on behalf of our Chief Executive.
Address: ERS Customer Relations, PO Box 3937, Swindon, SN4 4GW

Tel: 0345 268 0279
Email: complaints@ers.com
If you are not satisfied with our response you may ask the Complaints department at Lloyd’s to review your case.
Address: Complaints Department, Lloyd’s, One Lime Street, London EC3M 7HA
Tel: 020 7327 5693.
Email: complaints@lloyds.com
Website: lloyds.com/complaints
If you are still not satisfied after contacting Lloyd’s, you can refer your complaint to the Financial Ombudsman Service (FOS.) Address: The
Financial Ombudsman Service, Exchange Tower, London E14 9SR
Tel: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Website: financial-ombudsman.org.uk
This does not affect your right to take legal action.
If you ask someone else to act on your behalf we will require written authority to allow us to deal with them.
If you have any questions, about complaints please contact the Company Secretary at:
ERS Insurance Group Limited, 21 Lombard Street, London, EC3V 9AH

Important notices and information
Data Protection Notice
This section contains important information about your personal details. Please make sure to show it to anyone covered by the policy and ensure
they are aware that their personal details may be provided to us.
ERS Syndicate Management Limited is the data controller in respect of your personal information. We will process the details you have given us
in line with the UK’s Data Protection laws and any other laws that apply. We may work with partner organisations and service providers who are
located in other countries, and as a result your information may be processed outside the European Economic Area. In all cases we will make
sure that your information is adequately protected. Any transfers of personal information outside Europe will be subject to the provisions of the
US Privacy Shield, standard contractual clauses approved by the European Commission or other contracts which provide equivalent protection.
You can find more information about how we use your personal information on our website: www.ers.com/policy-pages/privacy-policy
Where we collect your personal information
We might collect personal information about you from:

 You
 Your family members
 Your employer or their representative
 Other companies in the insurance market
 Anti-fraud databases, sanction lists, court judgement and similar databases
 Government agencies such as the DVLA and HMRC
 The publicly available electoral register
 In the event of a claim, third parties including the other party to the claim, witnesses, experts, loss adjusters, legal advisers and claims
handlers
How we use and disclose your personal information
To assess the terms of your insurance contract, or to deal with any claims, we may need to share information like your name, address, date of
birth and details such as medical conditions or criminal convictions. The recipients of this information could include (but are not limited to)
credit reference agencies, anti-fraud databases, brokers / reinsurance brokers, other insurers / reinsurers, underwriters and other group
companies who provide administration or support services. For claims handling, the recipients could include (but are not limited to) external
claims handlers, loss adjusters, legal and other expert advisers, and third parties who are involved in the claim. More information about these
disclosures is set out below.
ERS purchases reinsurance to protect against the most significant claims made against motor insurance policies issued. Should such a claim
arise under this contract of insurance, ERS reserves the right to disclose to its reinsurance broker and reinsurers, the details of the claim,
including all personal and special category data related to the claim. That disclosure is necessary for the management of any reinsurance claim
made by ERS and this practice of spreading risk is standard practice in the insurance market.
The Data Protection laws classify information about your medical conditions, disabilities and criminal convictions as ‘special category’ personal
data which warrants extra protection. We will only share this kind of personal data where it is essential to administer your insurance contract or
deal with any claims, or for anti-fraud purposes and will only be used in accordance with appropriate laws and regulations.
Most of the personal information you provide to us is needed for us to assess your request for insurance, to enter into the insurance contract with
you and then to administer that contract. Some of the information is collected for fraud prevention purposes, as described below. If we need your
consent to use any specific information, we will make that clear at the time we collect the information from you. You are free to withhold your
consent or withdraw it at any time, but if you do so it may impact upon our ability to provide insurance or pay claims. Further details about the
legal basis for our processing of personal information, and the disclosure we may make, can be found on our website: www.ers.com/policy-
pages/privacy-policy

Types of personal data Details
Name, address (including proof of address), other contact details such as email and phone
Individual details numbers, gender, marital status, date and place of birth, nationality, employment status, job
title, details of family members including their relationship to you
Identification detail National insurance number, passport number, driving licence number, other relevant licences
Financial information Bank account and/or payment details, income and other financial information
Policy information Information about the quotes you receive and policies you take out
Telematics Details of journeys made, locations, times and dates, driving behaviours and driving patterns
(where you use this technology)
Credit history, credit score, sanctions and criminal offences, including information received from
Credit and anti-fraud information
external databases about you
Information about previous and current claims (including under other insurance policies) which
may include data relating to your health, disabilities, criminal convictions (including motoring
Previous and current claims
offences) and in some cases surveillance reports; also dashcam recordings where this
technology is used
Special categories of personal data Health, disability, criminal convictions (including motoring offences)
Accepting and administering your policy
If you pay your premiums via a credit facility, we may share your information with credit reference agencies and other companies for use in credit
decisions, to prevent fraud and to find people who owe money. We share information with other insurers, certain government organisations and
other authorised organisations.
Insurance underwriting
We look at the possible risk in relation to your prospective policy (or anyone else involved in the policy) so that we can:
 Consider whether to accept a risk
 Make decisions about providing and dealing with insurance and other related services for you and members of your household
 Set price levels for your policy
 Confirm your identity to prevent money laundering
 Check the claims history for you or any person or property likely to be involved in the policy or a claim at any time. We may do this:
 When you apply for insurance
 If there is an accident or a claim or
 At the time you renew your policy
Profiling
When calculating insurance premiums, we may compare your personal details against industry averages. Your personal information may also be
used to create the industry averages going forwards. This is known as profiling and is used to ensure premiums reflect risk. Profiling may also be
used to assess the information you provide so we can understand risk patterns.
Special categories of personal data may be used for profiling where this is relevant, such as medical history or past motoring convictions
(including motoring offences).
We may also make some decisions (for example about whether to offer cover or what the premiums will be) without any intervention by our staff.
These are known as automated decisions. You can find out more about how we make these decisions on our website: www.ers.com/policy-
pages/privacy-policy. See also “Your Rights” below.
Motor Insurance Database
Information about your insurance policy will be added to the Motor Insurance Database (MID) which is managed by the Motor Insurers’ Bureau
(MIB). Certain government or authorised organisations including the Police, DVLA, DVLNI, Insurance Fraud Bureau and other organisations
allowed by law may use the MID and the information stored on it for purposes including:
 Continuous Insurance Enforcement (you can get information about this from the Department of Transport)
 Electronic vehicle licensing
 Law enforcement for the purposes of preventing, detecting, catching or prosecution offenders and
 Providing government services or other services aimed at reducing the level of uninsured driving

If you are involved in a road-traffic accident (either in the UK, the EEA or certain other territories), insurers or the MIB (or both) may search the
MID to gather relevant information. Anyone making a claim for a road-traffic accident (including their appointed representatives and citizens of
other countries) may also gather relevant information which is held on the MID.
It is vital that the MID holds your correct registration number. If it is not shown correctly on the MID, you are at risk of having your vehicle seized
by the police. You can check that your correct registration number details are shown on the MID at askmid.com.
Managing claims
If you make a claim, we may need to release information to another person or organisation involved in that claim. This includes, but is not
restricted to, others involved in the incident, their insurer, their solicitor or representative and medical teams, authorised repairers, the police or
other investigators. We also may have to investigate your claim and conviction history. This may involve external claims handlers, loss adjusters,
legal and other expert advisers.
Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not result in a claim.
When you tell us about an incident, we will pass information relating to it to Insurance Database Services Limited (IDSL).
Call recording
You should note that some telephone calls may be recorded or monitored, for example calls to or from our claims department, customer services
team or underwriting department. Call recording and monitoring may be carried out for the following purposes:
 Training and quality control
 As evidence of conversations
 For the prevention or detection of crime (e.g. fraudulent claims)
Preventing or detecting fraud
We will check your information against a range of registers and databases for completeness and accuracy. We may also share your information
with law enforcement agencies, other organisations and public bodies.
If we find that false or inaccurate information has been given to us, or we suspect fraud, we will take appropriate action. If fraud is identified,
details will be passed to fraud prevention agencies including the Claims Underwriting Exchange Register and the Motor Insurance Anti-Fraud
and Theft Register run by Insurance Database Services Limited (IDSL). Law enforcement agencies may access and use this information.
We and other organisations, including those from other countries, may also access and use this information to prevent fraud and money
laundering, for example, when:
 Checking details on applications for credit and credit related or other facilities
 Managing credit and credit related accounts or facilities
 Recovering debt
 Checking details on proposals and claims for all types of insurance
 Checking details of job applicants and employees
Details of the registers, databases and fraud prevention agencies we use may be requested from the Company Secretary at:
ERS Insurance Group Limited, 21 Lombard Street, London, EC3V 9AH
Cheat line
To protect our policyholders, we are members of the Insurance Fraud Bureau (IFB). If you suspect insurance fraud is being committed, you can
call them on their confidential cheat line on 0800 422 0421.
Retention
We will keep your personal data only for as long as is necessary for the purpose for which it was collected. In particular, we will retain your
information for as long as there is any possibility that either you or we may wish to bring a legal claim under or relating to your insurance, or
where we are required to keep your information for legal or regulatory purposes.

Your rights
You have rights under the Data Protection laws including the right to access the information we hold about you (subject to any legal restrictions
that may apply), to have the information corrected if it is inaccurate, and to have it updated if it is incomplete. In certain circumstances you may
have the right to restrict or object to processing, to receive an electronic copy of your data (“data portability”) or to have your data deleted. You
can also find out about any automated decisions we make that affect your insurance or premiums.
If you wish to exercise any of your rights, please contact us at:

Data Protection Officer
Address: 21 Lombard Street, London, EC3V 9AH
Email: dpo@ers.com
Further details about all the rights available to you may be found on our website: www.ers.com/policy-pages/privacy-policy
If you are not satisfied with our use of your personal data or our response to any request by you to exercise your rights in relation to your personal
data, please contact dpo@ers.com
You also have a right to make a complaint to the Information Commissioner:

Address: Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF
Tel: 0303 123 1113 (local rate) or 01625 545745 (national rate)
Email: casework@ico.org.uk
Financial Services Compensation Scheme (FSCS)
As we are members of the Financial Services Compensation Scheme (FSCS), you may be entitled to compensation under the scheme if we
cannot pay out all valid claims under this insurance. This depends on the type of policy you have and the circumstances of the claim. The scheme
will cover 90% of the claim with no upper limit. For types of insurance you must have by law (such as third party insurance for motor claims), the
scheme will cover the whole claim. You can get more information about the scheme from the FSCS via:
Address: Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU
Tel: 0800 678 1100 or 0207 741 4100
Email: enquiries@fscs.org.uk
Web: fscs.org.uk

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Certificate of Motor Insurance

Policy number 4033429

ERSCERT1215 Certificate of Insurance Page 1 of 2

ERSCERT1215 Certificate of Insurance Page 2 of 2

Broker agency number 2451 Scheme 954

Please send your renewal instructions to agricultureuw@ers.com

Policyholder ANCHOLME INTERNAL DRAINAGE BOARD

Premium (excluding IPT) £515.00

Registration / Chassis Year of

Vehicle excess details

RNLINV1215 Renewal Invitation - Page 2 of 2

ERS Policy Wording updates.

ENDORSEMENTS APPLICABLE TO SPECIFIC VEHICLES

001 - Damage, fire and theft excess

037 - No claim bonus removed

You, the proposer

Name of proposer ANCHOLME INTERNAL DRAINAGE BOARD

Postal address EPSOM HOUSE, CHASE PARK, REDHOUSE INTERCHANGE

Postcode DN6 7FE

Telephone number Email address

Business or trade INTERNAL DRAINAGE BOARD Nature of business

Cover operative for 12 months from

Time 00:01 Date 31 March 2020

Data protection notice

FPSOF1215R Statement of Facts - Page 1 of 2

FPSOF1215R Statement of Facts - Page 2 of 2

 Unauthorised use of the vehicle or unlicensed driver(s).

Insurance Product Information Document - Page 1 of 2

- In the event of a claim or possible claim:

Insurance Product Information Document - Page 2 of 2

Our agreement – your insurance

Signed for and on the behalf of ERS

21 Lombard Street, London, EC3V 9AH

ERS POLICY DOCUMENT NUMBER ACFE 0619 2

What to do if you need to make a claim 5

Section 1 – Liability to others 8

Section 2 – Loss of or damage to your vehicle 11

Section 3 – Foreign use 16

Section 4 – Medical expenses 16

Section 5 – Personal accident benefits 16

Section 6 – Personal belongings 17

Section 7 – Loss of keys and replacement locks 17

Section 8 – Unauthorised use 17

Section 9 – Unlicensed drivers 17

Important notices and information 25

ERS POLICY DOCUMENT NUMBER ACFE 0619 3

 Excess - a contribution by you towards a claim under this insurance

ERS POLICY DOCUMENT NUMBER ACFE 0619 4

Claims and windscreen helpline – 0330 123 5991

You can count on us for all this:

 A market-leading customer experience

Repairing your vehicle

We’ll take care of everything:

We want to get you back on the road as soon as possible.

Keeping your vehicle safe

ERS POLICY DOCUMENT NUMBER ACFE 0619 5

Don’t apologise or admit it was your fault

Make sure to take the other person’s details, including:

Take photos of: