Meaning of words

 

When the following words and phrases appear in this policy document or certificate of insurance, they have the specific meanings given below. These words are highlighted by the use of bold print.

Area of cover:

UK: Means England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man

Continental Europe: Means Andorra, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City.

Beneficiary, beneficiaries means you or your partner and any passengers travelling in the vehicle at the moment a breakdown/immobilisation occurs.

Breakdown/immobilisation means electrical or mechanical breakdown, road traffic accident, vehicle fire or theft, loss of keys, incorrect fuel, punctures or running out of fuel, causing the vehicle to be immobilised.

Home address means you and your partner’s usual residential address in the UK.

Insurer means AWP P&C SA.

Journey means a trip that takes place during the period of insurance which begins when you leave your home address and ends when you get back to your home address, whichever is earlier.

Partner means your legal spouse or civil partner or, if you are not married or in a civil partnership, a person who is over 17 years old and has the same home address as you.

Period of insurance means the cover which starts at the beginning of your journey and finishes at the end of your journey. All cover ends on the expiry date shown on your certificate of insurance, unless you cannot finish your journey due to a breakdown or theft covered by this policy. In these circumstances we will extend cover free of charge until you can reasonably finish that journey.

Vehicle means the private car or light commercial vehicle in which you are travelling, providing it does not exceed 3500kg in weight (including load), 5.5 metres in length, 3.0 metres in height or 2.3 metres in width including any caravan or trailer that you are towing. Or, a motor home providing it does not exceed 7.0 metres in length, 3.0 metres in height or 2.3 metres in width.

We, our, us means Allianz Global Assistance, which administers the insurance on behalf of the insurer.

You, your means the person named on the certificate of insurance.

 

 

Please also refer to the general conditions and general exclusions applying to all sections.

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Terms & Conditions:

14 day Money Back Guarantee
Your policy has a 14 day cooling off period from the date of purchase. During this time you can cancel the policy and receive a full refund by simply returning your policy certificate. You may take advantage of this guarantee if no claim is being made or is pending and as long as travel has not been started. Refunds will be returned within 7 working days of the cancellation.

How OTIS handle your Payment
In selling this European breakdown insurance, OTIS will take your payment via a secure payment provider. We will hold your policy premium on behalf of insurers. Once we have received your premium you are eligible for cover.

How to claim
Please refer to your policy summary or your policy document if you need to make a claim. You should contact the specified claims handlers as soon as possible.

Demands and Needs Statement
This insurance will suit the Demands and Needs of an individual wishing to insure themselves against unforeseen costs following a breakdown of a vehicle. Subject to terms, conditions and maximum specified claim limit. Please ensure that you read the policy wording to ensure that the policy will supply you with a sufficient level of cover.

Documentation you will receive from us
Once you have successfully completed your purchase you will be sent an email confirming the details of your purchase together with your policy certificate. If you selected to receive your documentation by post, this will be sent to you within 1-2 working days.

Your Right To Cancel
We hope you are happy with the cover this policy provides. However, if upon reflection this, insurance does not meet your requirements, please return it to us within fourteen days of issue and we will refund your policy premium. You are not eligible for a refund if your policy has already begun or if you intend to make a claim under the policy. For short term trips of less than 30 days in duration an adminstration fee of up to £10 will be charged for cancellations made within the 14 day cooling off period.

Confidentiality
All personal information about you will be treated as private and confidential except where the disclosure is made at your request, with your consent, in relation to arranging your insurance or where we are required to by law.

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to insurance and/or other companies for underwriting and claims purposes.

Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually.

Your Duty to Give Information to Insurers

Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the risk or the terms offered have been disclosed. The duty to disclose information continues during the life of the policy, and at renewal you must make sure you inform your insurer of any changes affecting your insurance. Your policy must be purchased prior to your trip commencing, and must originate from within the United Kingdom.

You are responsible for all answers or statements on proposal forms, claim forms or other material documents and you should ensure these are full and accurate. Failure to disclose material information at the start of the policy or advise the insurer of changes to the risk during the period of insurance may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid.

IMPORTANT - This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and conditions and exclusions) and ensure that it meets all of your requirements. you may already possess alternative insurance(s) for some or all of the features and benefits provided by this product; it is your responsibility to investigate this. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off/policy cancellation section.



PLEASE ENSURE THAT YOU HAVE READ YOUR POLICY WORDINGS CAREFULLY. FAILURE TO COMPLY WITH THE TERMS AND CONDITIONS OF THE POLICY MAY RESULT IN COVER BEING RESTRICTED.

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