Statement
This is only a summary of the policy.
The full terms and conditions of the cover can be found in
the policy document. It is important that you read the policy
document carefully when you receive it.
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Type of insurance cover
Our Car Insurance Policy is available with three levels
of cover:
- Comprehensive: Third Party Fire and Theft plus own damage
- Third Party Only: your legal liability for death or injury
of third parties and damage to their property; and
- Third Party Fire and Theft: Third Party only plus damage
to your car from fire and theft;
Cover |
Comprehensive |
Third Party, Fire and Theft |
Third Party Only |
Exclusions and limitations |
Legal liability for death or injury
to any other person(s) |
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Legal liability for damage to other
people’s property |
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Maximum limit of cover will be
£20,000,000, which includes a limit of £5,000,000
for all costs, expenses and indirect losses. |
Own damage, Fire and theft (Breakage
of glass separate – see below) |
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Fire and theft damage only |
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Loss or damage arising from theft
while the keys of your car have been left in or on your
car. |
Legal costs incurred with our consent, in connection with a claim against your policy |
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Personal injury: Benefits for you and/your spouse/domestic partner for death or loss of limbs/sight |
Up to £5,000 |
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Windscreen/window breakage |
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New car replacement |
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Accident Recovery |
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Fire and theft damage only |
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Audio or radio equipment |
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Fire and theft damage only |
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Up to £500 audio cover, unless
part of manufacturer’s specification, then unlimited |
European Cover |
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Full policy cover for up to 93
days in most European countries |
Excess |
*
* Excess requirements are highlighted on the
Schedule * * |
Period of Insurance
The policy will remain in force for 12 months from the
date of commencement, or as otherwise shown on your policy
schedule.
Cancellation
Within 14 days of receipt of the policy documentation you
can decide not to continue with the policy. You can either call us or write
to confirm this and return your Certificate of Motor
Insurance. We will charge for the time you have been on cover,
as well as a £20 administration charge levied by the
Administrator. The full annual premium may be due if a total loss claim has been made.
If you choose to cancel at any other time the Administrator
will retain a £50 administration fee. If a claim has
been made then the full annual premium will be due.
Claims
You must report immediately to the Administrator, ASDA Financial Services, any accident or incident that may give rise to a claim
under the policy, on 0845 602 0229. For broken glass replacement
or repair please call 0800 587 6831. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.
Complaints
If you wish to make a complaint please contact the Administrator
first by calling our Customer Services Team on 0845 605 0145;
or you can write to The Quality Manager, ASDA Financial Services,
1000 Lakeside North Harbour, Western Road, Portsmouth PO6 3EN.
Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator.
If you remain dissatisfied with ASDA Financial Services’s
response or your complaint is about your insurer you may write
to the insurer and if the insurer is a Lloyd’s syndicate
you can also write to the Complaints Department, Lloyd's,
One Lime Street, London EC3M 7HA.
If you are still dissatisfied after receiving a final response
letter then you can refer the matter to the Financial Ombudsman
Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Full details will be made available at the appropriate stage
of the complaints process.
Financial Services Compensation Scheme (FSCS)
We are members of the Financial Services Compensation Scheme
(FSCS). If we were unable to meet our obligations you might
be entitled to compensation from the scheme, depending on
the type of insurance and circumstances of any claim. The
first £2,000 of a claim or policy is protected in full
and above this threshold 90% of the rest of the claim can
be met. Further information can be obtained from www.FSCS.org.uk or by telephoning 020 7892 7300.
