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Policy Summary

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.

Name of the Insurance undertaking
For motor insurance the underwriter will be one selected from a panel. The name will be detailed on the quotation page and will be confirmed in writing when the policy has been concluded. The contract will be based on information you provide you must tell us of any changes to the information.

Type of insurance cover
Our Car Insurance Policy is available with three levels of cover:

Cover Comprehensive Third Party, Fire and Theft Third Party Only Exclusions and limitations
Legal liability for death or injury to any other person(s) tick tick tick  
Legal liability for damage to other people’s property tick tick tick Maximum limit of cover
will be £20,000,000, which includes a limit of
£5,000,000 for all costs, expenses and indirect losses.
Driving a car not belonging to you Third party only cover. Applies only if shown on the Certificate of Motor Insurance for the policy holder only.
Own damage, Fire and theft (Breakage of glass separate - see below) tick tick
Fire and theft
damage only		 - Loss or damage arising
from theft while the keys
of your car have been left in or on your car.
Audio or radio equipment tick tick
Fire and theft
damage only		 - Up to £150 audio cover,
unless part of
manufacturer’s specification,
then unlimited
Breakage of Glass tick - - Unlimited if replaced by our approved glass supplier otherwise limited to £150 for replacement
Personal Belongings tick - - Up to £100
Personal Accident Benefits tick - - Up to £5,000 for death or loss of sight/limb to policyholder and/or spouse and £2,500 for death of any passenger. Anyone under the age of 16 or 75 will not be covered.
Medical Expenses tick - - up to £200 for each person injured.
European cover tick tick tick Full policy cover for up to 90 days in most European Countries
Courtesy Car tick - - This is subject to availability and an approved repairer being used
Excess
* * Excess requirements are highlighted on the Schedule of Insurance* *

Period of Insurance
The length of time covered is shown in the Schedule and is only for twelve continuous months.

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 us 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.

Claims
You must report immediately to the Administrator, BDML Connect Ltd, any accident or incident that may give rise to a claim under the policy, on 0844 335 0468.

For broken glass replacement or repair please call 0800 587 6831.

Complaints
If you wish to make a complaint please contact the Administrator first by calling our Customer Services Team on 0844 335 1028; or you can write to The Quality Manager, BDML Connect Limited, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL.

If you remain dissatisfied with BDML Connect Limited’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 Telephone 0845 080 1800. Full details will be made available at the appropriate stage of the complaints process.

Financial Services Compensation Scheme (FSCS)
If we or your insurer are unable to meet our obligations you might be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Further information about the Scheme is available from the FSCS website at www.fscs.org.uk or by calling us.