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Family Legal Protection 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

The Insurer of this policy is RAC Insurance Limited, 1 Forest Road. Feltham, TW13 7RR.

Type of insurance and cover Legal protection for the family.

Cover for legal expenses up to £50,000 per claim, in pursuit or defence of civil, tribunal or arbitration proceedings or appeals arising from them.

Significant features and benefits

Cover for legal expenses incurred in pursuing or defending claims arising from:

• death or personal injury (except when you were driving a motor vehicle);
• purchase or hire of goods;
• infringement of proprietary rights;
• disputes with employers (excluding all types of discrimination disputes or claims);
• disputes over contracts.

Significant or unusual exclusions or limitations

• An excess of £30 applies to each claim
• Legal expenses:
  • that we have not agreed to in writing; or
  • which are higher than we have agreed; or
  • which were incurred before we have written to confirm acceptance of the claim; or
  • where there is no reasonable prospect of success.
• Any legal proceedings between members of your family. This does not apply to accidents involving motor vehicles

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 must write to us to confirm this. We will charge for the time you have been on cover.

Claims
You must report immediately to RAC, any accident or incident that may give rise to a claim under the policy, on 0870 3339846.

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 Limited, 1000 Lakeside North Harbour, Western Road, Portsmouth PO6 3EN.

If you remain dissatisfied with BDML Connect Limited’s response you may write to RAC.

If you are still dissatisfied then you can refer the matter to the Financial Ombudsman South Quay Plaza, 183 Marsh Wall, London E14 9SR. Full details will be made available at the appropriate stage of the complaints process. Full details will be made available at the appropriate stage of the complaints process.

Financial Services Compensation Scheme
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.