Optima Van Policy

Any word or expression which is

defined on this page is to have the

same meaning wherever it appears

in the policy documents and

irrespective of its typeface or

colour.

You

The policyholder whose name is

on the schedule or, in the event of

your death, your legal personal

representatives.

We, Us

Groupama Insurance

Company Limited.

Your Vehicle

Any commercial motor vehicle for

which you have a current

certificate of motor insurance

under this policy. This includes one

trailer attached to your vehicle.

Certificate of Motor Insurance

Evidence that you have vehicle

insurance as required by law.

Pollution or Contamination

ALL pollution or contamination of

buildings or other structures or of

water or land or the atmosphere.

ALL injury loss or damage directly

or indirectly caused by the

pollution or contamination.

Market Value

The cost of replacing your vehicle

with a vehicle of the same make,

model, specification, age, mileage

and condition as your vehicle was

immediately before the loss or

damage you are claiming for.

United Kingdom

England, Scotland, Wales,

Northern Ireland, the Isle of Man

and the Channel Islands.

Great Britain

England, Scotland and Wales.

Excess

The first amount of any claim

which you will be responsible for if

your vehicle is lost, stolen or

damaged.

Young Driver

A person under the age of 25 at

the time of an event which you

may be entitled to claim for.

Inexperienced Driver

A person who has a provisional

licence or a person who has held a

full licence for less than 12 months

at the time of an event which you

may be entitled to claim for.

The Schedule

The schedule attached to this

policy. Please read the schedule

carefully as it sets out the cover

we will give you under this policy.

We will give you a replacement

schedule whenever you renew the

policy or if you make any changes

to the policy during the period of

insurance.

The terms used in the schedule to

define the cover have the

following meaning:

Comprehensive

All parts of this policy apply.

TPF&T

(Third party fire and theft)

All parts of this policy apply.

Part A1 will only apply for loss or

damage resulting from fire or

theft or an attempted theft.

TPO

(Third party only)

All parts of this policy apply except

for part A1.

F&T

(Fire and theft only)

Part A1 of this policy applies

but only for loss or damage

resulting from fire or theft or

an attempted theft.

Acts of Terrorism

The use or threatened use of any

action, force or violence by any

person or group of people

whether acting alone or on behalf

of any organisation or

government committed for

political, religious, ideological or

similar purposes including the

intention to influence any

government or to intimidate

and/or put in fear the public or

any section of the public.

WHAT OUR TERMS MEAN

CONTENTS

LOSS AND DAMAGE

Loss or damage to your vehicle

accessories or spare parts

LIABILITY TO OTHERS

Cover provided for you

Cover provided for other people

Cover provided for legal

personal representatives

Legal expenses

Emergency medical treatment

USE ABROAD

ADDITIONAL BENEFITS

No claim bonus

Cover while your vehicle is being

serviced overhauled or repaired

GENERAL EXCEPTIONS

POLICY CONDITIONS

A GUIDE TO MAKING A CLAIM

GLASS REPAIR & REPLACEMENT

PROTECTING YOUR VEHICLE
& BELONGINGS

3

5

5

6

6

6

7

8

8

9

10

12

14

15

INTRODUCING YOUR GROUPAMA OPTIMA VAN POLICY

Our contract

with you

This policy is a contract solely between you and us.

It is not intended that the Contracts (Rights of Third

Parties) Act 1999 should confer any additional rights

under this policy in favour of any third party.

The proposal (or any statement of fact or statement of

insurance prepared from information you have

provided) and declaration you make are part of this

contract. The schedule, any endorsements and the

certificate of motor insurance are all part of this policy.

You must read them all as one document. We will

insure you against legal liability, loss or damage under

the sections shown in the schedule during any period

of insurance set out in the schedule. You must keep to

the conditions of this policy.

The cover applies throughout Great Britain, Northern

Ireland, the Republic of Ireland, the Isle of Man and the

Channel Islands except when we say otherwise. Your

vehicle is also covered when in transit within these

countries and between any of their ports.

On behalf of Groupama Insurance

Company Limited.

Pierre Lefèvre

CHAIRMAN AND CHIEF EXECUTIVE

The law which applies to

our contract

You and we can choose the law which will apply to this

contract. We have decided the law which will apply will

be the law of the country in which you live.

If you do not live in England, Wales, Scotland,

Northern Ireland, the Channel Islands or the Isle of

Man, the law which will apply is the law of England

and Wales.

IMPORTANT

Please read this policy, schedule and certificate of

insurance carefully and make sure that they meet your

needs. If you have any queries please contact your

broker or intermediary who will be glad to help you.

Please keep this policy, schedule and certificate of

insurance in a safe place. You may need to refer to

them if you make a claim.

Cooling Off Period

We hope that you will be happy with your insurance policy. If,

having examined your policy, you decide not to proceed, you

have 14 days from the date you received your policy document

to cancel this policy and receive a refund of premium. To do

this you should contact the intermediary or organisation that

sold you your policy.

Any refund of premium given may be subject to a charge for

any period that cover has been in force plus reasonable

administration charges. Any refund will be subject to the

return of the policy document and any Certificate of Motor

Insurance or Cover Note.

A refund of premium will not be given if you have made a

claim under the policy or an incident has occurred which may

give rise to a claim under the policy.

Our customer care policy

Groupama Insurances is committed to

delivering the highest standards of customer

care. We are always interested in your

feedback and you can contact us on the

following telephone numbers – or via email.

Telephone calls may be recorded.

Claims

Claims Centre Manager

Personal Insurances Claims Centre

1 Port Way

Port Solent

Portsmouth

Hampshire

PO6 4TY

Tel 0870 240 1895

Fax 023 9220 5495

Email claims.care@groupama.co.uk

Policy Administration and

Documentation

Operations Manager

Groupama House

60 Spring Gardens

Manchester

M60 1HU

Tel 0161 834 9888

Fax 0161 839 9143

Email admin@groupama.co.uk

continued overleaf....

1.

Our Commitment to You

G

We will make sure all the information

we give you will be clear, fair and

accurate.

G

We will always try to be fair and

reasonable whenever you need the

protection of this policy.

G

We will also act promptly to provide

that protection.

If things go wrong

Whilst we will make every effort to

maintain the highest standards, we

recognise that there may be some occasions

when we fail to satisfy the particular

requirements of our customers. We

therefore have in place procedures to

investigate and remedy any area of concern.

In such circumstances we promise:

G

To acknowledge any formal complaint in

5 days or less.

G

To have the issues reviewed by a person

of appropriate seniority and authority.

G

To identify the person managing your

complaint in our original letter of

response.

G

To respond fully to your concern or

complaint within a maximum of 28 days.

If for any reason this is not possible, we

will write to you promptly to explain

why we have been unable to finalise the

matter quickly. We will also let you

know when we will contact you again.

If you still feel that we have been unable to

resolve the matter to your satisfaction then

please write to our Chairman & Chief

Executive, at:

Groupama Insurances

Groupama House

24-26 Minories

London

EC3N 1DE

0870 850 8510

020 7264 2860

Financial Ombudsman Service

If you are still unhappy following receipt of

our final response, you can refer the dispute

to the Financial Ombudsman Service who

will review your case on an independent

basis. The address is:

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

Tel: 0845 080 1800

Financial Services

Compensation Scheme

Groupama Insurance Company Limited is

covered by the Financial Services

Compensation Scheme (FSCS). This means

that you may be entitled to receive

compensation if we are unable to meet our

obligations. Full details are available from

the FSCS.

If you take any of the action mentioned

above, it will not affect your right to take

legal action.

Our customer care policy continued

2.

LOSS AND DAMAGE

Loss of or damage to

your vehicle accessories

or spare parts

(PART A1)

WHAT IS INSURED:

If your vehicle, accessories or spare parts are

lost, stolen, or damaged, we will either:

.

repair the damage;

.

replace what is lost or is damaged beyond

economical repair;

.

pay you cash for the amount of the loss or

damage.

We have the right to choose which

action to take in the case of any claim.

Accessories and spare parts which are only for

your vehicle, and are in or on your vehicle, or in

your private garage at the time of the loss or

damage, will be covered in the same way.

If a replacement for any damaged accessory

or part of your vehicle is not available we will

pay the value of the accessory or part at the time

of the loss. We will not pay more than the

manufacturer's last quoted list price in the United

Kingdom for the accessory or part. If such a list

price is not available the most we will pay is the

manufacturer's last quoted list price in the United

Kingdom for an equivalent accessory or part.

We may use accessories or parts, including

recycled parts, which are not made or supplied by

the manufacturer of your vehicle but are of a

similar type and quality to the parts we are

replacing. We will not be responsible for additional

storage costs caused by the unavailability of an

accessory or spare part nor the cost of importation

of any accessory or part into the United Kingdom.

The most we will pay is the market value of

your vehicle, accessories and spare parts at the

time of the loss or damage. We will not pay

more than the amount for which you insured

them. If your vehicle is under a hire purchase or

leasing agreement, we will pay any claim to the

legal owner.

If your vehicle cannot be driven because

of the loss or damage covered under this

policy we will pay the reasonable cost of

protecting your vehicle and taking it to the

nearest competent repairer. After it has been

repaired we will pay the reasonable cost of

delivering it to your address in the United

Kingdom.

If your vehicle is damaged by something

covered under this policy you must

:

* do whatever is necessary to protect your

vehicle and its accessories;

* report the incident to us as soon as possible. Refer

to pages 12 to 13 for full information of reporting

claims.

Radio/audio equipment

Please read the schedule.

Broken glass

If you have comprehensive cover please

read the schedule.

Loss of keys and replacement of locks

If you have comprehensive cover please

read the schedule.

continued overleaf....

3.

WHAT IS NOT INSURED:

This applies to all claims under part A1

of the policy.

We will not pay for any of the following:

.

any excess shown in the schedule;

.

loss of use, loss of value, wear and tear;

.

mechanical, electrical, electronic or computer

failures or breakdowns;

.

damage to tyres from braking or by road

punctures, cuts or bursts;

.

loss, destruction or damage caused directly

by pressure waves caused by aircraft and

other aerial devices travelling at or above

the speed of sound;

.

any reduction in the market value of your

vehicle following any repair whether or not

as a result of any claim under this policy;

.

loss of or damage to any trailer or caravan

whether or not it is being towed by or

attached to your vehicle;

.

loss of or damage to telephone,

communication or navigation equipment of

any kind;

.

loss of or damage to your unoccupied vehicle

if it is unlocked, or the windows or roof

opening are open, or the keys are in or

on the vehicle;

.

loss or damage as a result of a deliberate

act by anybody insured by this policy;

.

loss of your vehicle by deception by

someone who claims to be a buyer or a

buying or selling agent;

.

loss of or damage to any radio, cassette, disc

player or similar apparatus or accessories or

parts of any such apparatus. This does not

apply if there is an endorsement in the

schedule saying otherwise.

.

any increase in damage as a result of your

vehicle being moved under its own power

following an accident.

Young or inexperienced drivers: If your

vehicle or any of its accessories or spare parts are

damaged while the vehicle is being driven by or

in the charge of a person who is young or

inexperienced, you will be responsible for the

first part of the cost as shown in the schedule.

You must pay this in addition to any other

excess amounts shown in the schedule. You

must pay the excess for each claim involving

damage to your vehicle. If we pay any of these

amounts you will have to repay the same

amount to us as soon as possible

.

4.

LIABILITY TO OTHERS

Cover provided

for you

(PART A2)

WHAT IS INSURED:

This policy covers you for:

.

all you legally have to pay for the death of or

personal injury to any person as a result of an

incident involving your car;

.

damage to any property as a result of an

incident involving your car, but the indemnity

against liability including all costs, expenses and

indirect losses other than those covered under

Legal Expenses (PART A5) for such damage is

limited to £5,000,000 in respect of any such

incident or series of incidents arising out of one

event.

.

Cover provided for

other people

(PART A3)

WHAT IS INSURED:

If you ask, we will provide the same cover to

the following people:

.

anyone you allow to drive the insured vehicle

if allowed by your certificate of motor

insurance;

.

anyone you allow to use your vehicle for

social domestic and pleasure purposes (this

does not include driving);

.

any person travelling in or getting into or

out of your vehicle;

.

your employer for any vehicle you or they use

and which is covered by this policy. Your

employer must have your permission and

the driver and use must be allowed by your

certificate of motor insurance. Except for

your vehicle, any such vehicle must not

belong to or be hired to your employer.

WHAT IS NOT INSURED:

This applies to all claims under parts A2 and

A3 of the policy.

We will not pay for any of the following:

.

death, injury or damage caused or arising

beyond the limits of any carriageway or

thoroughfare in connection with

(i) the bringing of the load to your vehicle

for loading thereon or

(ii) the taking away of the load from your

vehicle after unloading there from by any

person other than the driver or attendant of

your vehicle.

.

loss of or damage to property belonging to,

or in the custody or control of any person

insured under this part of the policy;

.

anyone driving your vehicle who has never

held a licence to drive it or who is

disqualified from holding or applying for

such a licence;

.

anyone who fails to keep to any of the terms,

exceptions, conditions and endorsements of

this policy;

.

anyone entitled to cover under any other

policy;

.

liability for the death of or injury to any

person arising out of their employment by

any person insured under this policy except

as required under the Road Traffic Acts;

.

loss of or damage to any vehicle being used

or driven under this part of the policy

continued overleaf....

5.

Cover provided for

legal personal

representatives

(PART A4)

WHAT IS INSURED:

If anyone insured under the policy dies we will

transfer to their estate the protection

we provide under this policy

Legal expenses

(PART A5)

WHAT IS INSURED:

General representation: If we give our

prior written permission we will pay the fee for a

solicitor to:

.

represent any person insured under this

policy at any coroner's inquest or fatal

accident inquiry;

.

defend any person insured under this policy

in a court of summary jurisdiction in

connection with any accident which you

may be able to claim for under parts A2 or

A3 of the policy.

Proceedings for manslaughter or

causing death by dangerous driving

or causing death while under the

influence of drink or drugs: We will pay

for legal services to defend anyone insured

under this policy if proceedings are taken

against them for manslaughter or causing death

by dangerous driving or causing death while

under the influence of drink or drugs. The

following conditions apply to this cover:

.

you must ask us to provide and we must

agree to provide the cover;

.

the death(s) giving rise to the proceedings

must be covered under this policy;

.

the event causing the death(s) must have

happened in the United Kingdom

.

Emergency medical treatment

(PART A6)

WHAT IS INSURED:

We will pay emergency treatment fees as

required under the Road Traffic Acts

6.

USE ABROAD

Foreign use

(PART A7)

WHAT IS INSURED:

This policy provides the minimum cover you

need by law to use the insured vehicle in:

.

any country which is a member of the

European Union;

.

any other country which agrees to meet

European Commission Directives on motor

insurance and satisfies the European

Commission that it has made arrangements to

meet the requirements of these Directives.

WHAT IS NOT INSURED:

Unless we have agreed to extend full policy

cover for use of your vehicle abroad we will not

pay for any of the following:

.

loss of or damage to your vehicle or its

accessories and spare parts;

.

any third party liability which is more than

the minimum cover required by the European

Commission Directives;

.

any claim arising out of the use of your

vehicle in any country that does not meet the

European Commission Directives

.

Extended cover

If we agree we will provide the wider cover

shown in your schedule while your vehicle is

being used outside the United Kingdom or the

Republic of Ireland or while your vehicle is in

transit between the United Kingdom or the

Republic of Ireland and any other country which

we have agreed to provide cover for.

For this wider cover to apply you must:

.

request us to provide the cover before your

departure;

.

tell us which countries you are visiting;

.

tell us your date of departure and return;

.

pay any required additional premium

International motor

insurance certificate

(Green Card)

A Green Card is no longer required for travel

within those countries which are members of

the European Union or which meet the

requirements of the European Commission

Directives on motor insurance.

For travel outside these countries a Green Card

will be issued showing the countries and dates

for which the wider policy cover is being

provided

Customs duty/delivery

costs

If your vehicle cannot be driven because

of loss or damage covered by this policy and

subject to prior agreement, we will pay the

reasonable cost of delivering your vehicle to

your address in the United Kingdom and any

customs duty you have to pay as a direct result

of the loss or damage

7.

No claim bonus

1. If no claim is made you will qualify for a no

claim bonus. You cannot transfer your no

claim bonus to someone else. We will allow

the maximum no claim bonus if you do not

claim for seven years.

2. If you have a comprehensive policy and you

claim only for broken glass under any

windscreen endorsement shown on your

schedule, your no claim bonus will not be

affected by that claim.

3. If we pay emergency treatment fees under

the Road Traffic Acts it will not affect your

no claim bonus.

4. You can ask us for information on how

your no claim bonus may be affected by a

claim

.

Cover when your

Vehicle is being serviced,

overhauled or repaired

The cover you have under this policy

applies to you when your vehicle is in the

hands of a motor trader carrying on a business

from a motor trade outlet or premises for

service, overhaul or repair. On such occasions we

will ignore the limitations about driving and

use described in your certificate of motor

insurance

.

ADDITIONAL BENEFITS - all policies

8.

GENERAL EXCEPTIONS applicable to all of the policy

7. We will not be liable for death of or bodily

injury to any person or damage to property

directly or indirectly caused by pollution or

contamination unless the pollution or

contamination is directly caused by a sudden,

identifiable, unintended and unexpected

event which happens in its entirety at a

specific time and place during the period of

insurance.

We will treat all pollution or contamination

which arises out of one event as having

happened at the time the event took place.

This exception will not apply in

circumstances where we have to meet any

compulsory motor insurance laws.

8. We will not pay the claim and all cover

under the policy is forfeited if you or anyone

acting for you makes a claim under the policy

knowing the claim to be false, fraudulently

inflated or supported by fraudulent

documents or if loss, damage or injury is

caused by your wilful act or with your

connivance

4. This policy does not provide cover except

under parts A2, A3, A4, A5, A6 for any

accident, injury, loss or damage caused by:

.

earthquake;

riot or civil commotion if it happens outside

Great Britain, the Isle of Man or the Channel

Islands.

5. This policy does not cover any loss, damage

or legal liability directly or indirectly caused

by:

ionising radiations or contamination by

radioactivity from irradiated nuclear fuel

or from any nuclear waste from the

combustion of nuclear fuel;

.

the radioactive, toxic, explosive or other

hazardous properties of any explosive nuclear

assembly or nuclear component of it.

6. We will not pay for any liability, injury,

damage or accident while your vehicle is

parked or is being driven in any part of an

airport or airfield set aside for:

.

moving, taking off or landing of aircraft;

.

aircraft parking areas and associated roads,

and ground equipment parking, maintenance

and refuelling areas;

.

Customs examination areas of passenger

terminals.

1. This policy does not apply when any vehicle

covered by it:

.

is being driven by or is in the charge of any

person not allowed to do so under your

certificate of motor insurance;

.

is being used other than for the purposes

shown in your certificate of motor insurance;

.

is being driven with your permission by any

person who you know has never held a

licence or is disqualified from holding or

applying for one;

.

is towing for reward a caravan, trailer or

disabled mechanically propelled vehicle;

.

is towing more than one caravan, trailer or

disabled mechanically propelled vehicle at

any one time.

2. This policy does not cover any liability

incurred as a result of an agreement or

contract unless that liability would have

existed otherwise.

3. Except as required under the Road Traffic

Acts, this policy does not cover any loss or

damage caused by war, invasion, act of

foreign enemy, hostilities (whether or not

war is declared), civil war, rebellion,

revolution, insurrection, military or usurped

power or acts of terrorism.

9.

POLICY CONDITIONS applicable to all of the policy

1. You or your legal personal representatives

must give us in writing as soon as possible

full details of any event which could lead to

a claim under this policy. You must also send

us unanswered any letters, notices, writs or

summonses you receive to do with the

claim. If you know of any possible

prosecutions, inquests or fatal accident

inquiries you must tell us immediately in

writing.

2. You must not admit responsibility or offer or

promise anything without our written

permission.

3. If we wish we may take over and deal with

your claim in your name. We may also pursue

any claim to recover for our benefit any

money we have paid out under this policy.

Anyone claiming cover under this policy must

give us whatever information and help we

need.

4. If at the time a claim is made under this

policy any other policy exists that would

cover the claim, we will pay only our share of

the claim unless it says differently in this

policy.

5. You must do all you can to protect your

vehicle and its contents and keep your

vehicle in a road worthy condition. If we ask

you must let us examine your car at any

reasonable time.

6. Your vehicle must have a current MOT

certificate if applicable.

7. The insurance cover this policy provides

depends on the terms, exceptions, conditions

and endorsements in this policy document

and the schedule which must be read as one

document. Everyone claiming cover must do

everything the policy requires for it to stay

in force.

8. If you want to cancel this policy, you must

tell us in writing and at the same time send

to us your certificate of motor insurance.

As long as you have not made a claim under

the policy, we will refund part of your

premium. If the policy is cancelled in its first

year we will calculate the refund by using

our scale for short period insurance. If the

policy is cancelled in any other year we will

calculate the refund on a pro rata basis.

We or our authorised agent may cancel this

policy by giving you seven days' notice by

letter. We will send this notice to your

last known address. You must send us the

policy and certificate of motor insurance

and then we will refund to you a part of

your premium.

9. If we accept a claim under part A1 of this

policy but cannot agree the amount to be

paid we will pass the matter to an arbitrator.

The arbitrator will be appointed in

accordance with the law in force at the time.

The arbitrator must have made a decision

before you can take legal action against us.

10. If the law of any country in which you are

covered by this policy says we must settle a

claim which we would not otherwise have

paid we can ask you or the person who

incurred the liability to pay us that amount

.

10.

13. Under part A2 of your policy, in respect of

claim(s) arising out of damage to property

caused by or in connection with your vehicle.

We may at any time:

.

pay to you the amount of indemnity provided

by this policy to a maximum of £5 million

(after deduction of payments already made).

or

.

pay any less amount for such claim(s) to be

settled.

From the date of such payment we shall

relinquish control of the negotiations and

legal proceedings in connection with such

claim(s) and we shall be under no further

liability except for costs and expenses

incurred with our written consent prior to

the date of such payment

11. If you do not pay a premium we will not

provide cover from the date the premium

was due.

12. If you claim under this policy and you are

paying your premium under a Groupama

credit scheme we may take from any claim

settlement any amount you owe us.

11.

A GUIDE TO MAKING A CLAIM

If you are involved

in an accident or your

vehicle is stolen

Call Claimline on 0870 240 1895 as soon as

possible after the incident has occurred.

Assistance is available on this number

24 hours a day.

The information you will

need to provide to us:

.

your policy/certificate number;

.

your personal details and those of the driver;

.

full details of the incident and any other

parties involved.

The claim form:

This will be completed over

the telephone when you call Claimline.

If necessary the claim form will be sent to you for

checking and signing.

Getting your vehicle repaired:

If your

vehicle needs to be repaired please arrange for

your vehicle to be taken to the nearest

competent repairer. We will pay any reasonable

costs for protecting your vehicle and for moving

it to and from the repairer. If possible you should

get estimates from two repairers and send them

to us immediately. Once you have sent the

estimates, you may ask the repairer who gave the

cheapest estimate to carry out the repairs.

If we, or our representatives, think the repair

estimate(s) you have sent us is unreasonable, we

can contact the repairer. If this is the case, we

will pay for any work already done.

If your vehicle is a total loss

If your vehicle is irreparable or repair costs

exceed the market value of your vehicle and its

accessories it will be considered a total loss.

Once this is determined we will immediately

move your vehicle to a place of free storage,

so please ensure that wherever possible all your

personal effects and goods are removed from the

vehicle. You should note that all total loss

vehicles are placed on an industry-wide register

to guard against fraud and this information is

shared between insurance companies.

Before settlement can be made you will need to

provide us with:

.

your certificate of motor insurance;

.

the vehicle registration document;

.

the vehicle MOT test certificate;

.

all sets of vehicle keys;

.

the vehicle purchase receipt;

details of any outstanding finance relating to

the vehicle;

any other documentation that you may wish

us to take into account such as the vehicle's

servicing history.

NOTE: Sending the documents to us direct

will avoid any unnecessary delay in issuing

your settlement cheque.

An engineer will contact you to agree a

valuation for the insured vehicle, subject to

deduction of any applicable policy excess,

outstanding finance and any premium still to be

paid. Once you have accepted this amount and

subject to all information and documentation

being in order, we will issue you with a cheque

(please allow 7 working days).

12.

CLAIMLINE 0870 240 1895

General

Information (if applicable)

Cherished or personalised

number plates:

If your vehicle is stolen and not recovered or

rendered a total loss you should contact the

DVLA at the earliest opportunity to make the

necessary arrangements to transfer the plate to

a replacement car. NOTE: Failure to

do so could delay your claim.

Uninsured loss recovery:

When making

a claim any costs incurred which are not

included under your policy, such as the excess

are known as 'uninsured losses'. If you are not at

fault then you may be entitled to recover these

from the known third party. You may have

separate cover to assist in this recovery; check

your documentation or contact the third

party or their insurers directly

for reimbursement

If a third party

is involved

DO NOT ADMIT LIABILITY. Obtain names,

addresses and telephone numbers of those

involved (eg. drivers, passengers, pedestrians and

witnesses). Please also obtain insurance details

for any vehicles involved and offer your

insurance details to anyone involved

in the accident. Forward any third party

correspondence to ourselves unanswered.

Do not attempt to deal with any claim

yourself unless agreed by us

NOTE: For reasons of safety and to prevent

fraud, insurers actively discourage the

retention of total loss vehicles by policyholders.

Future insurance on such vehicles may be

refused.

If your vehicle is stolen

If your vehicle is stolen and recovered with

damage, it will either be repaired or a total

loss payment made in the manner already

described. If your vehicle is not recovered this

will also be treated as a total loss.

NOTE: We may arrange for a Groupama

Representative to visit you to help us with our

investigation of theft claims

.

13.

CLAIMLINE 0870 240 1895

GLASS REPAIR & REPLACEMENT

If the Windscreen, side

glass or rear screen in

your vehicle needs to be

repaired or replaced

Call Glassline on

0800 85 44 54.

If the glass can be repaired:

Glass

damage can often be repaired but you need to

act QUICKLY and call Glassline as soon as

possible. If left untreated, the damage is likely to

spread until a much more costly and

time-consuming replacement is required.

If you have windscreen insurance cover,

simply produce your current certificate of motor

insurance at the time of repair. No excess will

apply and there will be nothing to pay (except

the VAT if registered).

If the glass has to be replaced:

Call Glassline. If you have windscreen insurance

cover and can produce your certificate of motor

insurance you will only have to pay any

applicable policy excess, VAT (if registered) and

any amount by which the invoice exceeds the

policy limit.

If you do not have windscreen

insurance cover:

If your policy does not

include this cover by calling Glassline you will

still qualify for a substantial discount for

standard stock items but you will need to pay

the windscreen company in full at the time of

repair or replacement.

If you do not use Glassline:

This will not affect your right to claim

under the policy but a limit may apply to