Essay about AIG EUROPE Personal Lines Policy Wording

Submitted By monazmonaz
Words: 6718
Pages: 27

Private Car Insurance
Policy

1

Motor Insurance Notice
Your policy details will be added to the Motor Insurance Database (MID), run by the Motor Insurers
Information Centre (MIIC). This may be consulted by the Police in order to establish who is insured to drive the vehicle. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor
Insurer’s Bureau and MIIC may search the MID to ascertain relevant policy documentation.
Persons with a valid claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID.
You can find out more about his from your insurer, or at www.miic.org.uk

2

INDEX
SECTION
Introduction

Page
4

Contract of Insurance

5

Definitions

6

Liability to Third Parties

1

7

Towing

2

8

Loss or Damage (Excluding Fire or Theft)

3

9

Loss or Damage by Fire or Theft

4

10

Windscreen Damage

5

11

Emergency Treatment Fees

6

11

Medical Expenses

7

11

Personal Accident Benefits

8

12

Personal Effects

9

12

Foreign Use

10

13

Car Sharing Agreement

14

General Exceptions

15

Conditions

16

Endorsements

18

Complaints

22

How we use Personal Information

23

3

Introduction
Please carefully read this policy, the Schedule and the Certificate of Motor Insurance, referring to the
Endorsements indicated by the entries in the Schedule.
If these documents do not meet your requirements kindly return them at once.
You must notify us of any changes affecting your policy which have occurred either since the policy commenced or since the last renewal date. If you have any doubts as to whether certain facts are relevant please contact AIG Europe Limited. Failure to disclose all relevant changes may invalidate your policy or may result in the policy not operating fully.
You should keep a written record (including copies of letters) of any information you give us, when renewing this policy.
This policy, the Schedule and the Certificate of Motor Insurance, shall be read together and any word or expression to which a specific meaning has been attached in any part of these shall bear such meaning wherever it may appear.
In consideration of the premium having been paid by you, we will provide insurance in accordance with the policy cover indicated in the Schedule of this policy in respect of accident, injury, loss or damage occurring in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands (or in the course of transit by sea between any ports therein including processes of loading and unloading) during the period for which we may accept payment for renewal of this policy. The proposal and declaration made by you is the basis of the contract and deemed incorporated therein.

4

Contract of Insurance
This Motor Insurance Policy is a contract of indemnity between AIG Europe Limited and you, our policyholder. Subject to the policy terms and endorsements, we will insure you against any legal liability, loss or damage which may occur during any period of insurance for which we have accepted your premium.

AIG Europe Limited
This insurance is underwritten by AIG Europe Limited which authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (FRN number 202628). This information can be checked by visiting the FS Register (www.fca.org.uk). AIG
Europe Limited is registered in England: company number 1486260. Registered address: The AIG
Building, 58 Fenchurch Street, London EC3M 4AB.

5

Definitions
You/Your
The Policyholder
Your car
The motor vehicle described in the schedule or in the effective Certificate of Motor Insurance in respect of which details have been notified to, and accepted by AIG Europe Limited.
We/Us/Our/The Company
AIG Europe Limited
The Schedule
Details of the policyholder and insurance protection provided. The Schedule is part of this policy and must be read in conjunction with the policy.…