AXA Car Insurance

Your policy booklet

April 2021 edition

AXA Car Insurance

Contents

This policy booklet contains details of what is covered and how claims are settled.

We recommend that you check your cover meets your needs.

Choice of cover 4

Making a claim 5

Your policy 6

Meaning of defined terms 7

General conditions applicable to all parts of the policy 8

Claims conditions 11

General exclusions applicable to all parts of the policy 13

Part A – Loss and damage 14

Part B – Liability to others 19

Part C – Territorial limits and foreign use 21

Part D – Injury benefits 22

Part E – Personal belongings 23

Part F – Additional covers and benefits 24

Endorsements 26

How we use your data 28

Important notes 29

Making a complaint 30

Choice of cover

Comprehensive

All parts of the policy apply except where

amended by endorsement.

Third Party Fire and Theft

Loss and damage under Part A is only

covered where loss or damage to

your car is caused by fire, lightning,

explosion, theft or attempted theft.

You are not covered under sections 2

and 5 of Part A – Loss and damage.

You are not covered under Parts

D – Injury benefits and E – Personal

belongings and other parts amended

by endorsement.

Third Party only

You are not covered under Parts A,

D and E and other Parts amended by

endorsement.

Your policy schedule will show what

sections are in force.

We want you to understand your policy

and everything we can do for you and

have tried to design your policy booklet to

help you do this. You will find the following

headings on many pages:

What is covered

This provides detailed information on the

insurance provided and should be read

with ‘What is not covered’.

What is not covered

This tells you what is not included in

your policy.

To help you further…

We have included some explanatory

notes in your policy. These are headed

Useful information and are printed in

italics at the bottom of the page. They

are not part of the insurance contract but

they are there to help you understand it.

If you need to make a claim or think

you do please call our claims team on

0345 608 0230* who will immediately

take action to help you. We will take all

the details and if appropriate, give you

the telephone number and location of

our nearest recommended repairer

and inform you of any further action you

may need to take.

To make the claims process quicker

please have your policy number to hand

and a full description of the incident. We

will keep you informed about how we are

progressing with the resolution of your

claim. We are committed to dealing with

each claim quickly and effectively.

*Telephone calls may be monitored and

recorded.

Making a claim

This policy is a contract between you

and us.

This policy describes the insurance cover

provided during the period of cover

you have paid for, or have agreed to pay

for, and for which we have accepted the

premium.

The contract between you and us is

formed of this policy, the schedule

and any endorsements shown in the

schedule.

You will be provided with a copy of your

statement of fact or proposal form.

This document lists the answers to the

questions you were asked when applying

for this insurance.

The insurance cover applies anywhere in

the UK except when we state otherwise in

this policy – see Part C – Territorial limits

and foreign use. Your car is also covered

when it is being transported within the UK

and between any UK ports.

Important

Please read the policy, the certificate

of insurance and the schedule as one

document to ensure that it meets with

your requirements.

The law which applies to

your policy

You and we can choose the law which

applies to this policy. We propose that

the Law of England and Wales apply.

Unless we and you agree otherwise, the

Law of England and Wales will apply to

this policy.

Changes to your

circumstances

It is important that you tell us as

soon as reasonably possible if your

circumstances change or if any of the

information shown in your proposal

form, statement of fact, schedule or

certificate of insurance changes

during the period of cover. Please refer

to the ‘General conditions applicable

to all parts of this policy’ section of this

policy wording.

Your policy

Meaning of defined terms

Where we explain what a word means

that word will have the same meaning

wherever it is used in the policy,

endorsements and schedule. These

words are highlighted by the use of

bold blue print.

Certificate of insurance

The certificate of motor insurance which

is evidence of your motor insurance.

Excess/excesses

The amount you are required to pay

as the first part of each and every

claim made.

Market value

The cost of replacing your car in the

UK with one of the same make, model,

specification, mileage, age and condition.

Misfuelling

Accidental filling of the fuel tank with

inappropriate fuel for your car.

Period of cover

A period of 12 months from the start date

of your current policy.

Personal belongings

Clothes and items of a personal

nature belonging to you and your

passengers, including portable

navigational equipment, car phones,

radios, CD players, cassette players,

games consoles or any other audio or

visual equipment.

Recommended repairer

A repairer that we recommend to you,

who we will authorise to repair your car

following a claim under Part A – Loss

and damage.

Schedule

The schedule forms part of this policy.

Please read the schedule carefully.

It defines the cover you have under

this policy.

Spouse

Your husband, wife or civil partner.

England, Scotland, Wales, Northern

Ireland, the Isle of Man and the

Channel Islands.

We/us/our

AXA Insurance UK plc.

You/your

The policyholder named in the schedule.

Your car

Any private motor car insured under this

policy and/or any other car which is added

by you during the period of cover each

as identified by its registration mark in

your current certificate of insurance or

temporary cover note.

You must comply with the following

conditions to have the full protection of

your policy.

If you do not comply with them we may

at our option take one or more of the

following actions:

cancel the policy;

declare your policy void (treating your

policy as if it had never existed);

change the terms of your policy;

refuse to deal with all or part of any

claim or reduce the amount of any

claim payments.

Cancellation

Statutory cancellation rights

You may cancel this policy within 14 days

of receipt of the policy documents

(new business) or the renewal date

(the Cancellation period) by writing to

us at the following address during the

Cancellation period:

AXA Personal Lines Customer Service

PO Box 7072

Willenhall

WV1 9ZU

There is no refund of premium in the

event of a total loss claim. However, in

all other cases, we will keep an amount

of premium in proportion to the time

you have been on cover and refund the

balance to you.

If there is a total loss and if you are

paying by instalments, you will either

have to continue with the instalment

payments until the premium is paid in full

or we may, at our discretion, deduct the

remaining instalments you owe from any

claim payment made.

Cancellation outside the

statutory period

You may cancel this policy at any time

by giving prior written notice to the

above address.

As long as you have not incurred any

eligible claims, apart from a claim for

Windscreen Repair or Windscreen

Replacement, we will keep an amount of

premium in proportion to the time you have

been on cover and refund the rest to you.

If you are paying by instalments your

instalment payments will cease and if

you incur eligible claims you will either

have to continue with the instalment

payments until the premium is paid in full

or we may, at our discretion, deduct the

outstanding instalments due from any

claim payment made.

Cancellation by us

We may cancel your policy:

If you or anyone else covered by

this policy breaks any of the General

conditions applicable to all parts of this

policy section of your cover set out in

pages 8-10.

If you or anyone else covered by this

policy ignore or fail to comply with

the General Exclusions. Please see

“General exclusions applicable to all

parts of this policy” section set out on

page 13.

If you provide any inaccurate or

incomplete information. Please see

“Providing accurate and complete

information” section on page 9.

If you act in a fraudulent manner when

incepting, making an amendment or

renewing this policy.

General conditions applicable to all

parts of this policy

If you act in a fraudulent manner when

making a claim. Please see “Claims

condition applicable to all parts of this

policy” section set out on pages 11-12.

If we are unable to continue cover due

to changes in your circumstance or

to your policy information. Please see

“General conditions applicable to all

parts of this policy” section set out on

pages 8-10.

If you fail to respond to a written

request for further information or

documentation.

If we believe you or anyone else

covered by the policy seek to use the

benefits of the policy for any use in

which the policy is not intended for,

including any commercial use.

If you do not pay your premium,

please see “Non payment of premiums

“section on page 9.

If we cancel your policy we shall provide

you with 7 days’ prior written notice to

your last known address. Within this

notice we will advise you of our reason

for cancelling your policy.

Any premium refund will be calculated in

accordance with the above.

Non payment of premiums

We reserve the right to cancel this policy

immediately on written notice in the event

of non payment of the premium or default

if you are paying by instalments.

If we are unable to collect a payment by

instalments we will contact you and use

reasonable endeavours to collect the

outstanding payment(s) before exercising

our right to cancel the policy.

Providing accurate and

complete information

When taking out, renewing or making

changes to this policy, you or your

agent (acting on your behalf) must take

reasonable care to provide accurate and

complete answers to all questions.

It is a criminal offence under the

Road Traffic Act 1988 to make a false

statement for the purposes of obtaining a

Certificate of Motor Insurance.

We may ask you to provide further

information and/or documentation to

ensure that the information you provided

when taking out, making changes to or

renewing your policy was accurate and

complete.

Changes to your

circumstances

You must tell us as soon as reasonably

possible if your circumstances change

or if any of the information shown in

your statement of fact, proposal form,

schedule or certificate of insurance

changes during the period of cover.

Examples of the changes we must be

made aware of are:

A change to the people who need to be

insured under this policy.

If any person insured under this

policy receives any motoring

conviction including driving licence

endorsements, fixed penalties and

pending prosecutions.

If any person insured under this policy

receives a criminal conviction.

General conditions applicable to all parts of this policy continued

If you change your car.

If the owner of your car changes.

If the main driver of your car changes.

If you change the way in which your

car is used. For example, you begin to

use your car for business purposes.

If your car is modified in any way

including, but not limited to:

●

changes to the bodywork such as

spoilers or body kits

●

changes to the suspension or

brakes

●

cosmetic changes such as alloy

wheels

●

changes affecting performance

such as changes to the engine

management system or exhaust

system

●

changes to the audio/entertainment

system.

If you change your address or the

address where your car is kept

overnight.

You must ensure that you provide us with

accurate and complete information when

asked questions about the changes in

your circumstances.

Any changes to your circumstances

including changes to the people who

need to be insured under this policy, or a

change to your car or main driver of your

car, whether a permanent or temporary

change, shall be a variation of this

contract which means it will continue with

the relevant changes made.

Taking care of your car

You must do all you can to protect your

car and keep it in a roadworthy condition.

If you do not do this your right to claim

under your policy may be affected.

You must:

ensure the car is locked, windows,

including sunroofs are closed, and any

required security devices are activated

and all keys and keyless entry system

devices are removed when the car is

left unattended

when leaving your car take personal

belongings with you, lock them in

your boot or glove compartment.

Do not leave them in open view in your

car

when leaving your car unattended

remove if physically possible your

radio and other audio equipment or

activate any security features they may

have

maintain your car in roadworthy

condition and ensure you have a valid

MOT certificate where appropriate

always keep the tyres within the legal

requirements at all times.

Access to your car

You must let us examine your car at any

reasonable time if we ask you.

Keeping to the terms and

conditions

We will only provide the insurance

described in this policy if anyone claiming

protection has met all its terms

and conditions.

You must comply with the following

conditions to have the full protection of

your policy.

If you do not comply with them we may

at our option take one or more of the

following actions:

cancel the policy;

change the terms of your policy;

refuse to deal with all or part of any

claim or reduce the amount of any

claim payments.

What you must do in making

a claim

If bodily injury, loss, theft or damage

happens to you, your car or anyone else

you must immediately:

call the claims telephone helpline

0345 608 0230

do whatever you can to protect the car

and its accessories

take all reasonable steps to recover

missing property and to prevent a

further incident

provide us with full details of any other

party involved in the incident

send us any letters and documents

you receive in connection with the

incident before you reply to them

if you know of any future prosecution,

coroner’s inquest or Fatal Accident

Inquiry about any incident, you must

tell us immediately in writing.

If we ask you must send us written

details of your claim within 31 days.

Anyone making a claim under this policy

must give us any information and help

we need.

What you must not do

You, and anyone covered by this policy,

must not:

admit anything, or

make any offer or promise about a

claim, unless you have our written

permission to do so.

What we will do

We will:

take all the details and if appropriate,

give you the telephone number

and location of our nearest

recommended repairer and inform

you of any further action you may

need to take

have the right to take over and deal

with the defence or settlement of

any claim in the name of the person

making a claim under this policy. We

may also pursue any claim to recover

any amount due from a third party in

the name of anyone claiming cover

under this policy

only pay our share of the claim if you

make a claim for any liability, loss or

damage that is also covered by any

other insurance policy

have the right to recover any payment

we make from you or from the person

responsible if, under the law of any

country in which you are covered by

this policy, we have to pay a claim

which we would not normally have

to pay.

Claims conditions

Claims conditions continued

If your car is a Total loss

In the event of a total loss, if your car is

the subject of a hire purchase or leasing

agreement we will make the payment for

the total loss of your car directly to the

owner described in the agreement.

If our estimate of the market value

is more than the amount you owe the

finance or leasing company, we will pay

you any remaining balance of the agreed

settlement. If our estimate of the market

value is less than the amount you owe

the finance company, you may have to

pay them the rest of the agreed balance.

Any payment we make for total loss will

be after we have taken off any policy

excess.

Fraud

You must not act in a fraudulent manner.

If you or anyone acting for you

Make a claim under the policy knowing

the claim to be false or fraudulently

exaggerated in any way or

Make a statement in support of a

claim knowing the statement to be

false in any way or

Submit a document in support of a

claim knowing the document to be

forged or false in any way or

Make a claim for any loss or damage

caused by your wilful act or with your

connivance.

Then

●

We will not pay the claim.

●

We will not pay any other claim which

has been or will be made under the

policy.

●

We may make the policy void from the

date of the fraudulent act.

●

We will be entitled to recover from you

the amount of any claim already paid

under the policy.

●

We will not refund any premium.

●

We may inform the police of the

circumstances.

General exclusions applicable to all parts of

this policy

1 This policy does not apply when

your car:



is being used for purposes that are

not specified in your certificate of

insurance

 is being driven by or in the charge

of any person who is not covered by

your certificate of insurance

is being driven by you or with your

permission by any person who

you know has not got a driving

licence or who you know to be

disqualified from driving or getting a

licence or is prevented by law from

holding one

 is being driven or in the charge of

a person, including you, who fails

to meet the conditions of the

licence they hold

is towing a caravan, trailer, or other

vehicle for payment

 is being used on a track or roadway

designed or designated for track

use or vehicle performance

activities

is ‘airside’ on any airport or airfield

premises (‘airside’ includes

runways, hangars, aprons, or

anywhere aircraft have access to).

2 This policy does not cover any liability

which you have as a result of an

agreement or contract, unless you

would have had that liability anyway.

3 This policy does not provide cover for

any loss of or damage to property,

legal liability, injury or other loss

directly or indirectly caused by,

contributed to by, or arising from the

following:

 ionising radiations or contamination

by radioactivity from any 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 thereof.

4 This policy does not provide cover

for any loss or damage which results

from war, invasion, act of foreign

enemy, hostilities (whether or not

war is declared), civil war, rebellion,

revolution, military force or coup.

However, this policy covers you so far

as is necessary to meet with any law

on Compulsory Insurance.

5 This policy does not provide cover

except under Part B – Liability to

others for any accident, injury, loss or

damage caused by:

a earthquake

b riot or civil commotion if it occurs

outside England, Scotland, Wales,

the Isle of Man or the Channel

Islands.

6 This policy does not cover any liability,

damage, cost or expenses, which are

more than our legal liability under

the relevant road traffic legislation for

any claim, if you or any other person

entitled to drive your car is:

a found to be over the limit for

alcohol to the extent which would

constitute an offence under the

laws of the country in which the

accident occurred

b is driving whilst unfit through drink

or drugs, whether prescribed or

otherwise

c fails to provide a sample of breath,

blood or urine when required to do

so, without lawful reason.

Part A: Loss and damage

What is covered

1 Loss of or damage to your car or

spare parts

If your car, accessories or spare parts are

lost, stolen or damaged, we will:

repair the damage;

replace what is lost or damaged and is

too expensive to repair; or

pay you the cost of the loss or damage.

We can choose which of these actions we

will take for any claim we agree to and the

repairer can use parts that have not been

produced by the vehicle manufacturer.

If your car is damaged, we will use one of

our recommended repairers to repair

it. If you choose not to use them, we may

not pay more than our recommended

repairer would have charged and we may

choose to settle the claim by a financial

payment. Following damage to your car,

we may move your car to a place of safe

and free storage pending settlement of any

claim.

If you cannot use your car because of

loss or damage that is insured under this

policy, we will also pay the reasonable cost

of protecting your car and taking it to our

nearest recommended repairer. After

the repair, we will pay the reasonable cost

of delivering your car to your address in

the UK.

Where your car is not recovered following

a theft or is beyond economical repair we

will pay you the market value of your

car, including accessories and spare

parts at the time they are lost, stolen or

damaged.

If we settle a claim as a total loss, we will

then take ownership of your car.

Accessories and spare parts of your car,

which are in your private garage at the

time of their loss or damage, will also

be covered.

New car replacement

If during the period of one year after the

first registration as new your car is:

stolen and not recovered; or

damaged so that repairs will cost more

than 60% of the manufacturer’s price

list (including taxes and the cost of

accessories) at the time of the loss

or damage;

and provided your car is owned by you then

we will replace your car with a new one of

the same make, model and specification.

Provided that:

one is available

you and anyone else we know who has

a financial interest in your car agree.

If your car is recovered before a new

replacement is ordered and the cost

of repairs are less than 60% of the

manufacturers list price, we will do one of

the following:

repair the damage

replace what is lost or damaged beyond

economical repair or

pay you cash for the amount of the loss

or damage.

Courtesy car

Following a claim under Part A – Loss and

damage, you will be provided with the

use of a courtesy car whilst your car is

Part A: Loss and damage continued

undergoing repair, subject to the repairer’s

terms and conditions. A courtesy car is not

available in respect of:

claims where your car is identified as

being beyond economical repair

claims where your car has been

stolen and has not been recovered

claims where a recommended

repairer has not been used

losses which occur outside of the UK.

2 Glass damage

We will pay for the repair or replacement of

glass in windows or windscreens (including

panoramic windscreens) in your car and

scratching of the bodywork caused by the

glass breaking.

If this is the only damage you claim for,

your no claim discount will not be affected.

Our windscreen supplier can use parts

that have not been produced by the vehicle

manufacturer.

If you choose not to use one of our

approved repairers we will limit the

amount we pay under this section to

£175.

3 Audio – visual equipment and in-car

entertainment systems

We will pay for loss or damage to

your car’s permanently fitted in-car

navigational equipment, car phones,

radios, CD players, cassette players,

games consoles or any other audio or

visual equipment. Removable equipment

is covered if it can only be used whilst it is

attached to your car and is designed to

be totally or partially removed.

If the equipment was fitted by the

manufacturer of your car and was part

of the standard specification of your

car when it was first registered then

we will provide unlimited cover for the

loss or damage of the equipment.

If the equipment was not fitted by

the manufacturer of your car or

the equipment was not part of the

standard specification of your car

when it was first registered then the

maximum we will pay for the loss or

damage of the equipment is £500.

4 Replacement locks

If the keys, lock transmitter or entry card

for the keyless entry system of your

car are lost or stolen, we will pay up to

£1,000 towards the cost of replacing:

The door and boot locks

The ignition and steering locks

The lock transmitter; and

The entry card

Any other device designed and made

by the manufacturer to access and

start your car

Providing you report the loss to the police

within 24 hours of discovering the loss.

5 Medical expenses

If you, your driver or any of your

passengers are injured in an accident

involving your car, we will pay

medical expenses, which can include

physiotherapy if you ask us to and we

agree to provide the treatment, of up to

£250 for each injured person.

6 Hotel expenses and alternative

transport

In the event that your car is not road

worthy following an accident and you

have reported a claim under Part A – Loss

and damage (subsection 1), we will pay

up to a maximum of £250 in the event

Part A: Loss and damage continued

that you can not complete your planned

journey to cover:

overnight accommodation, including

the cost of meals and drinks, for the

driver and passengers of your car; or

public transport for the driver and the

passengers of your car to return to

your home or your original planned

destination.

7 Child car seats

If your car is fitted with any child

car seats, we will pay up to £300 for

their replacement with the same or

similar model following an accident

covered by this policy. We will pay for

the replacement whether or not visible

damage has been caused to the child

car seat.

You should purchase the replacement

seat and we will reimburse you on

presentation of the receipt.

8 Misfuelling

If you or any named driver accidentally fill

your car with the wrong fuel please do

not start the engine. Please call us

on our claims line as soon as possible.

If your car is subject to misfuelling

during the period of insurance we will

pay up to a maximum of £250 per

claim for:

Drainage and flushing of the fuel tank

on site using a specialist roadside

vehicle. Or

Recovery of your car, the driver and

up to 6 passengers to the nearest

repairer to drain and flush the fuel

tank.

Replenishing the fuel tank with 10

litres of the correct fuel.

Damage to your car engine caused

solely and directly by misfuelling.

For damage to the engine, the excess

shown in your schedule under

accidental damage will apply.

A £75 excess applies in respect of

claims for draining and flushing the fuel

tank.

Claims for misfuelling should be

supported by original receipts and

a written report from the specialist who

drained or recovered your car.

Driver excesses

If your car or any of its accessories or

spare parts are damaged while your

car is being driven by a driver as shown

in the table below, you will have to pay

this additional amount, on top of any

other excess shown in your schedule,

towards any claim.

An inexperienced driver is someone who

holds a provisional driving licence, or has

held a full driving licence for less than 12

months.

If we pay the inexperienced driver

excess, you will have to repay that

amount to us as soon as possible.

Age of driver Level of experience Excess

25 years and over Inexperienced £100

21 years to 24 years inclusive Experienced £150

21 years to 24 years inclusive Inexperienced £200

17 years to 20 years inclusive All drivers £500

Part A: Loss and damage continued

You will not have to pay the driver excess

shown in your policy schedule if the loss

or damage is caused by fire, lightning,

explosion, theft or attempted theft.

What is not covered

Loss of or damage to your car or spare

parts exclusion

You are not covered for the following:

Loss of use, loss of value, wear and

tear, mechanical or electrical failure,

breakdowns or breakages.†

Loss of value after a repair.

The cost of any repair or replacement

which improves your car beyond the

condition it was in before the loss or

damage occurred.

Loss of or damage to your car arising

from or as a result of water freezing in

the cooling circulation system of

your car.

Damage to tyres from braking,

punctures, cuts or bursts unless as

a result of an accident.

Loss or theft of your car by deception.

This includes, but is not limited to:

●

Loss or theft as a result of handing

the keys of your car over to

someone who claims to be a buyer

or agent without taking precautions

to ensure your car is returned to

you. An example of an acceptable

precaution is to attend the test drive

with the prospective buyer.

●

Loss or theft as a result of someone

purchasing your car using a payment

method which does not result in you

receiving the payment for your car.

Loss from taking your car and

returning it to its legal owner.

Loss or damage to your car by theft

or attempted theft if you or anyone

else has left it unlocked or with keys or

keyless entry system in your car,

or on it.

Confiscation or requisition or

destruction by, or under the order

of, any government or public or land

authority.

Unless we provide cover under this

insurance, any other loss, damage or

additional expense following on from the

event for which you are claiming.*

Any excess that applies to this

insurance.**

Glass damage exclusion

The excess shown in your policy

schedule or in Endorsement 29 –

Windscreen breakage if it is applicable.

You will not have to pay this amount

if the glass is repaired and not

replaced.^

To repair or replace any other glass

forming part of your car including

sunroofs and panoramic sunroofs,

where the roof glass is a separate unit

to the windscreen glass. Please note,

you may be entitled to make a claim

for other glass under Part A – Loss

and damage (Subsection 1), this

will however be subject to a different

excess and may impact your no

claims discount.

Audio – visual equipment and in-car

entertainment systems exclusion

Any removable or portable equipment that

is able to be used whilst not attached to

your car. This equipment may be covered

under Part E – Personal belongings.

Part A: Loss and damage continued

The excess shown in your schedule

applies.

Replacement locks exclusion

the theft excess shown in

your schedule

any amount in excess of £1,000.

Misfuelling exclusion

any claim resulting from foreign matter

entering the fuel system except for

diesel or petroleum.

claims for misfuelling outside

the UK

fuel, other than the 10 litres of correct

fuel to replenish the fuel tank after

draining and flushing out incorrect

fuel.

for damage to the engine, the excess

shown in your schedule under

accidental damage will apply.

a £75 excess applies in respect of

claims for draining and flushing

the fuel tank.

Useful information:

† This policy does not cover mechanical breakdown, or computer

failure. But, if for example your engine management system fails

and causes the engine to shut down, any accident that happens as

a result would be covered (although the cost to repair the fault of

the engine management system would not be covered). The same

applies if your vehicle catches fire – the faulty item would not be

covered, but you would be covered for the other fire damage.

*Examples of such loss, damage or additional expense are the

costs incurred in preparing a claim or loss of earnings following

your bodily injury or illness.

** Excesses

The excess is the amount you have to pay for every claim for

loss of or damage to your vehicle (for example, if your repairs

cost £1,000 and you have a £100 excess, you pay £100 and

the insurer pays £900). Excesses apply whoever was to blame.

^You can save money by having the glass repaired instead of

replaced. Ask the glass supplier to check the damage to see

whether it can be repaired. Have your certificate of insurance

ready when you have the glass repaired or replaced. The glass

repairer needs this for your claim.

Part B: Liability to others

What is covered

1 Cover provided for you

This policy covers you for the amounts

shown below:

a Death of or injury to any person

unlimited.

b Damage to any other person’s property

up to £20,000,000, plus all legal costs

and expenses provided the total does

not exceed £25,000,000

which you become legally responsible

for paying due to the death of or injury to

any person and damage to any person’s

property in respect of any claim or series

of claims arising out of one event involving

your car, or caused by a trailer, caravan or

other vehicle that is attached to your car.

The same cover will apply if you are driving

any other car which your certificate of

insurance allows you to drive. This cover

ceases if you dispose of your car shown

in the certificate of insurance or it

becomes a total loss.*

2 Cover provided for other people

If you ask us to, we will give the following

people the same level of cover as

provided in 1 above

Anyone you allow to drive your car

and who is allowed to drive it in the

certificate of insurance.

Any person using (but not driving) your

car with your permission for social,

domestic and pleasure purposes.

Any person travelling in or getting into

or out of your car.

Your employer or business partner,

as long as your car is not owned by

or hired to either your employer or

business partner and your car is being

used for a purpose that is allowed in

your certificate of insurance.

3 Your legally-appointed

representatives

After the death of anyone insured under this

policy, we will protect that person’s estate

against any liability the deceased person had

if that liability is insured under this policy.

4 Legal fees and expenses

If we give our written permission, we will

pay for solicitors fees to:

represent anyone insured under this

policy at any Coroner’s Inquest or Fatal

Accident Inquiry; or

defend anyone insured under

this policy in a court of summary

jurisdiction;

for any incident which might give rise to a

claim under Part B – Liability to others of

this policy.

5 Proceedings for manslaughter or

causing death by dangerous driving

We will pay fees for legal services to

defend anyone insured under this policy

if legal proceedings are taken against

that person for manslaughter or causing

death by reckless driving. The following

conditions will apply to this cover:

You must ask us to provide it.

The death or deaths giving rise to the

proceedings must have been caused

by an incident covered by this policy.

6 Emergency medical treatment

We will pay for any emergency medical

treatment that must be provided under

the Road Traffic Act. If this is the only

payment we make, it will not affect your

no claim discount.

Part B: Liability to others continued

What is not covered

You are not covered for the following:

1 Anyone driving your car who is

disqualified from driving or has never

held a driving licence, or is prevented

by law from holding one.

2 Liability for loss of or damage to

property which belongs to, or is with,

any person who is insured under this

policy and who is driving your car.

3 Any loss of or damage to property,

legal liability, injury or other loss directly

or indirectly caused by, contributed

to by or arising from terrorism or any

action taken in controlling preventing

suppressing or in any way relating to

terrorism. However this policy covers

you so far as is necessary to meet any

law on compulsory insurance.

For the purposes of this exclusion

terrorism means any act or acts that

the government of the United Kingdom

considers to be an act of terrorism

or any act which could be defined

as terrorism under the Terrorism

Act 2000 and/or subsequent acts

pertaining to terrorism. This involves

but is not limited to the use of or

threat of action, force or violence by

any person or group of people acting

alone or on behalf of any organisation

or government. This could be for

political, religious, ideological or

similar reasons. This includes trying

to influence any government or

intimidate the public.

Useful information:

* If an accident causes damage to another car, an animal or

property, or if anyone is injured, the law says you must stop.

You must give your name, address and car registration number

to anyone reasonably asking.

What is covered

This policy provides the cover described in

the schedule within the UK.

Your policy also provides the minimum

cover you need by law to use your car in:

1 any country which is a member of the

European Community; or

2 any other country which has agreed

to follow Article 8 of the EU Directive

2009/103/EC relating to insurance

against civil liability in respect of the

use of motor vehicles and is approved

by the commission of the European

Communities. We will also provide

this cover while your car is being

transported between any of those

countries and the UK.

Where the level of cover in any European

Community Member State is less than

that provided by the legal minimum

requirements of UK, the level of cover

that applies in UK will apply in that

Member State.

Your policy automatically extends the

cover shown in the schedule to the

countries described in 1 and 2 above for

up to 93 days in any one period of cover.

If you want to extend your cover for more

than 93 days you must contact us before

you travel.

It is no longer necessary to have an

International Motor Insurance Certificate

(Green card) when travelling to countries

covered by 1 or 2 above. In the absence

of a Green card you must carry your

current certificate of insurance

when travelling.

If you plan to travel to any other country,

please notify us at least three weeks

before you leave as you may require a

Green card, which may be supplied if

we agree to extend cover. An additional

premium may be charged for this

additional cover.

When contacting us please supply the

following information:

your policy number

the period for which cover is required

the registration number, make and

model of your car

details of any trailer or caravan

being towed

countries to be visited.

What is not covered

You are not covered for any legal action

taken against you outside the UK, unless

it is a result of using your car in a country

for which we have agreed to extend this

insurance cover.

Part C: Territorial limits and foreign use

What is covered

If:

you or your spouse are injured solely

as a result of an accident involving your

car; or while travelling in or getting into

or out of your car; or

any other person is injured while

travelling in or getting into or out of

your car;

we will pay you or your legal

representatives or if you ask us to, the

person injured or their legal representative

the compensation specified below:

Provided that death or loss occurs within

three calendar months and solely and

directly as a result of the accident.

You and

members

of your

household

normally

living with

you

Other

passengers

Death £15,000 £15,000

Total and

irrecoverable

loss of sight in

one or

both eye

£10,000 Nil

Total and

irrecoverable

loss of one

or more limbs

£10,000 Nil

What is not covered

You are not covered for the following:

any person who, at the time of the

injury, has not reached their sixteenth

birthday;

in respect of death or injury as a result

of suicide, attempted suicide or any

intentional self-injury.

Part D: Injury benefits

Part E: Personal belongings

What is covered

We will pay up to a maximum of £300 for

personal belongings carried in or on

your car if lost or damaged by:

accident to your car;

fire, lightning, explosion;

theft or attempted theft.

What is not covered

You are not covered for the following:

money, stamps, tickets, documents or

securities;

tools, equipment, goods or samples

carried in connection with any trade or

business;

property insured by another policy;

theft of personal belongings if carried

in an open-top or convertible car, unless

contained in the locked boot.

1 No claims discount

As long as a claim has not been made

on your policy during the current period

of cover, we will include a discount in

your renewal premium. We will give you

a discount for each claim-free year up to

the maximum entitlement.

Please note this is no guarantee your

premium will not rise.

The table below shows what would

happen to your NCD if you were to make

one or more claims.

No Claims Discount at Next Renewal Date

without NCD Protection

Number

of years

No Claims

Discount

1 claim

during the

period of

cover

2 claims

during the

period of

cover

3 claims

during the

period of

cover

4 or more

claims

during the

period of

cover

1 year Nil Nil Nil Nil

2 years Nil Nil Nil Nil

3 years 1 Nil Nil Nil

4 years 2 Nil Nil Nil

5 or more

years

3 1 Nil Nil

Your no claims discount will not be affected by

payments for emergency treatment which the

Road Traffic Act says we must pay or payments

made under Part A (2) – Windscreen Damage

for windscreen replacement/repair.

2 Protected no claims

discount

Once you have five years no claims

discount and a claim has not been made

on your policy for at least three years,

if you are aged at least 25 years and all

drivers are aged at least 21 years, then

you can protect the discount if you pay

an extra premium at each renewal.

No claims bonus protection does not

protect the overall price of your insurance

policy. The price of your insurance policy

may increase following an accident even

if you were not at fault.

No claims bonus protection allows you

to make one or more claims before your

number of no claims bonus years falls.

Part F: Additional covers and benefits

Part F: Additional covers and benefits continued

3 Uninsured driver promise

If you have comprehensive cover and

you make a claim where the driver of the

other car involved in the accident is found

to be uninsured, you will not have to pay

your excess or lose any part of your no

claims discount (NCD) as long as:

You are able to provide the make,

model and registration number of the

other car involved, and

We can establish that you were not at

fault in any way.

It will also help if you are able to provide

the details of the other driver involved

and details of any independent witnesses

if possible.

When you first claim you may have to

pay your excess and your NCD may

be affected. However, once we have

established that you were not at fault

in any way and the driver of the other

car was uninsured, your excess will be

refunded to you and your NCD restored.

4 Car sharing

Your policy also covers your car

when you are being paid for carrying

passengers for social or similar purposes

as long as:

your car cannot carry more than

8 people including the driver;

you are not carrying the passengers

as part of a business of carrying

passengers; and

the total payment you receive for

the journey does not provide a profit

for you.

5 Car service cover

Car servicing and car parking

Subject to the terms and conditions of

this policy other than limitations to use

and driving we will provide an indemnity

to you whilst your car is in the custody or

control of:

A motor garage or other similar

business, which you do not own, which

has your car for the purpose of:

maintenance;

repair;

testing; or

servicing.

A hotel, restaurant or similar business,

which you do not own, where your car

has been parked for you.

6 Driving other cars

extension

Please refer to your certificate of

insurance to see if you are covered to

drive other cars which are not owned by

you or under a hire purchase agreement,

rental/short term hire agreement or annual

leasing agreement to you. If your cover

is extended to drive other private motor

cars, subject to the criteria listed on your

certificate of insurance, the cover when

driving that vehicle will be limited to Third

Party Cover. This means that the car that

you are driving will not be covered itself.

Please note that if your certificate of

insurance lists this cover then cover is

restricted to you, the policyholder only, and

not any other drivers named on this policy.

This extension does not provide cover to

drive vans, other commercial vehicles or

motorbikes of any description.

You are not covered under this section

whilst driving outside of the UK.

Your insurance under this policy may be

extended or restricted by endorsements.

Endorsements only apply if their numbers

appear in the schedule.

All the terms, conditions and exceptions

of the policy continue to apply along with

the endorsements.

Endorsement 9 – Exclusion

of personal belongings

You are not covered under Part E –

Personal belongings of this policy.

Endorsement 11 – Exclusion

of injury benefits

You are not covered under Part D – Injury

benefits of this policy.

Endorsement 12 – Own loss

or damage (voluntary)

You will pay the amount shown next

to this endorsement number in the

schedule towards each claim for loss or

damage to your car. This endorsement

will not apply if damage to the car:

 is caused by fire, lightning, explosion,

theft or attempted theft; or

 is limited to broken glass in the

windscreen or windows or bodywork

damaged by the broken glass.

This endorsement applies on top of any

other amount which you may have to pay

towards each claim. If we pay the whole

amount of the claim at first, you must

immediately pay us the amount you have

to pay under this endorsement.

Endorsement 13 – Own loss

or damage (compulsory)

You will pay the amount shown next

to this endorsement number in the

schedule towards each claim for loss or

damage to your car.

This endorsement will not apply if damage

to the car:

 is caused by fire, lightning, explosion,

theft or attempted theft; or

 is limited to broken glass in the

windscreen or windows or bodywork

damaged by the broken glass.

This endorsement applies on top of any

other amount which you may have to pay

towards each claim. If we pay the whole

amount of the claim at first, you must

immediately pay us the amount you have

to pay under this endorsement.

Endorsement 15 – Company

deletions

You are not covered under Parts D – Injury

benefits and E – Personal belongings of

this policy.

Endorsements

Endorsements continued

Endorsement 16 – Fire and

theft excess (compulsory)

You will pay the amount shown next to this

endorsement number in the schedule

towards each claim for loss or damage

to your car caused by fire, lightning,

explosion, theft or attempted theft.

If we pay the whole amount of the claim

at first, you must immediately pay us

the amount you have to pay under

this endorsement.

Endorsement 29 –

Windscreen breakage

You will pay the amount shown next

to this endorsement number in the

schedule towards each claim made

under Part A – Loss and damage (2) –

Windscreen damage.

Endorsement 30 – Protected

no claim discount

If you pay an extra premium, your no

claim discount is protected.

This protection will apply unless more

than two claims are made on your policy

in three consecutive periods of cover,

then protection will end and your no claim

discount will be reduced to nil at your

next renewal.

If we agree to transfer someone’s interest

under this policy, this endorsement will be

cancelled unless the person the policy is

transferred to can meet our conditions for

having a protected no claim discount.

Endorsement 39 –

Car security

You are not covered under Part A – Loss

or damage of this policy for any loss or

damage caused by theft and attempted

theft unless:

 your car is fitted with a security device

conforming to Thatcham Category 1 or

2 standards; and

 the security device is operational at

the time of any loss or damage to

your car.

How we use your data

Data Protection Notice

AXA Insurance UK plc is part of the AXA

Group of companies which takes your

privacy very seriously. For details of how

we use the personal information we

collect from you and your rights please

view our privacy policy at www.axa.co.uk/

privacy-policy. If you do not have access

to the internet please contact us and we

will send you a printed copy.

Motor Insurance Database

When you take out a car insurance policy,

your policy details will be added to the

Motor Insurance Database ("MID"), run

by the Motor Insurers’ Information Centre

("MIIC"). MID data may be used by the

Driver and Vehicle Licensing Agency and

the Driver and Vehicle Licensing Northern

Ireland for the purpose of electronic

vehicle licensing and by the police for

the purposes of establishing whether

a driver's use of a vehicle is likely to be

covered by a motor insurance policy and

for preventing and detecting crime. If

you are involved in an accident, whether

in the UK or abroad, other UK insurers,

the Motor Insurers’Bureau and MIIC may

search the MID to obtain relevant policy

information.

Persons pursuing a claim in respect of a

road traffic accident (including citizens

of other EU countries) may be entitled to

access relevant information held about

you on the MID. You can find out more

about this from us, or from the Motor

Insurance Bureau.

Motor Insurance law

DVLA will compare its records with details

of vehicles on the MID (Motor Insurance

Database) – the UK’s central record of

vehicle insurance.

If a vehicle does not have insurance and

a Statutory Off Road Notification (SORN)

has not been made, the registered keeper

could face;

 a fixed penalty fine of £100

their vehicle being clamped, seized

and disposed of, and

a court prosecution with a maximum

fine of £1,000.

These measures are in addition to the

powers the police already have to seize an

uninsured vehicle and fine the driver.

If you want to check your vehicle is

recorded as ‘insured’ on the MID record,

visit the free service at www.askMID.com

Do not contact DVLA as only your

insurance provider can update your

insurance details on the MID. If your

vehicle registration number is not on the

MID, contact your insurance provider

immediately to get the MID updated.

What this means for you

If you are keeping your vehicle for use on

the road and it is not insured, insure it

now. If you are keeping your vehicle off the

road and it is not insured you must make

a Statutory Off Road Notification (SORN).

If it is taxed you need to return the disc

(including nil discs) on a V14 form

to DVLA.

For more information and to get a V14

form, visit www.direct.gov.uk/stayinsured

Important notes

Making a complaint

AXA Insurance UK plc aims to provide

the highest standard of service to every

customer.

If our service does not meet your

expectations, we want to hear about it so

we can try to put things right.

All complaints we receive are taken

seriously. The following will help us

understand your concerns and give you a

fair response.

Making your complaint

If your complaint relates to a claim

on your policy, please contact the

department dealing with your claim.

If your complaint relates to your policy,

please contact the agent or AXA office

where it was bought, or AXA Insurance

UK plc.

Contact details

Head of Customer Relations

AXA Insurance

Civic Drive

Ipswich

IP1 2AN

Tel: 01473 205926

Fax: 01473 205101

Email: [email protected]

When you make contact please provide

the following information:

Your name, address and postcode,

telephone number and e-mail address

(if you have one).

Your policy and/or claim number, and

the type of policy you hold.

The name of your insurance agent/firm

(if applicable).

The reason for your complaint.

Any written correspondence should

be headed ‘COMPLAINT’ and you may

include copies of supporting material.

Beyond AXA

Should you remain dissatisfied following

our final written response, you may be

eligible to refer your case to the Financial

Ombudsman Service (FOS).

The FOS is an independent body that

arbitrates on complaints about general

insurance products. You have six months

from the date of our final response to

refer your complaint to the FOS. This

does not affect your right to take legal

action.

If we cannot resolve your complaint you

may refer it to the Financial Ombudsman

Service at the address given below.

The Financial Ombudsman Service

Exchange Tower

Harbour Exchange Square

London

E14 9SR

Tel: 0300 123 9123

Fax: 020 7964 1001

E mail:

[email protected]

Web:

www.financial-ombudsman.org.uk

Making a complaint continued

Our promise to you

We will

Acknowledge all complaints promptly.

Investigate quickly and thoroughly.

Keep you informed of progress.

Do everything possible to resolve

your complaint.

Use the information from complaints

to continuously improve our service.

We may record or monitor telephone calls.

Financial Services

Compensation Scheme

(FSCS)

AXA Insurance is covered by the FSCS.

You may be entitled to compensation

from the scheme in the unlikely event we

cannot meet our obligations to you. This

depends on the type of insurance and

the circumstances of the claim. Further

information about the compensation

scheme arrangements is available from

the FSCS (www.fscs.org.uk).

APLD0144P-L(04/21) (351123)

This document is available in other

formats.

If you would like a Braille, large print

or audio version, please contact your

insurance adviser.

www.axa.co.uk

AXA Insurance UK plc Registered in England and Wales No 78950.

Registered Ofﬁce: 20 Gracechurch Street, London EC3V 0BG.

A member of the AXA Group of Companies. AXA Insurance UK plc

is authorised by the Prudential Regulation Authority and regulated by

the Financial Conduct Authority and the Prudential Regulation Authority.

Telephone calls may be monitored and recorded.