Dear customer
Thanks for insuring your car with us. This guide, ‘your cover with elephant.co.uk’,
describes your contract of private car insurance. Please read it carefully,
print out a copy, and keep it in a safe place with your Motor Proposal Confirmation,
your current Policy Schedule and Certificate of Motor Insurance.
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If you want to make any changes to your policy, ask any questions, or let us know about anything that might affect your cover with us please email us at help@elephant.co.uk.
If you’d like to make any comments on our service we’d love to hear from you.
Our commitment to providing a fast, friendly and interactive service will hopefully keep you a happy customer for many years.
All the best
tanzie oliver
head elephant
INDEX
Definitions
Confirmation of your insurance
Comments and Complaints
Keeping your policy up to date
Making a claim
Section 1 Damage to your car in an accident
Section 2 Fire and theft
Section 3 Liability to other people
Section 4 Windscreen damage
Section 5 Going Abroad
Section 6 Your No Claims Bonus
Section 7 Extra Cover
general exceptions to your cover
general conditions of your cover
extra conditions (endorsements)
Whenever the following words appear in this booklet or in your current Policy Schedule, they will have the meaning given below:
We, Us and elephant
elephant.co.uk
You, The Policyholder
The person named as insured on your current Certificate of Motor Insurance.
Certificate of Motor Insurance
The document that is evidence that you have the insurance needed by law, which
shows who can drive the car and for what purposes it can be used.
Excess
The amount you must pay towards any claim.
Indemnity
The legal principle which ensures that, after a loss, you are placed in the
same financial position, as far as reasonably possible, as immediately prior
to the loss.
Private Motor Car
A privately owned motor car manufactured for the carriage of up to eight passengers, which is designed sole for private use and has not been constructed or adapted to carry goods or loads.
Your Car
any private motor car insured under your policy and as specified on your current Certificate of Motor Insurance and Policy Schedule.
Replacement Car
A car provided by an elephant.co.uk Approved Repairer or another company
instructed by elephant.co.uk. This car is not intended to be on a like for
like basis with
your own car.
Period of Insurance
The length of time covered by this insurance, as shown on your current Certificate
of Motor Insurance.
Market Value
The cost of replacing your car with one of a similar make, model, year, mileage
and condition based on our assessment of the market prices at the time of
the
loss. Use of the term 'market' means the market in which you would normally
shop for your car e.g. retail value will not apply if you buy your car privately
or at an auction. Non-European manufactured cars will be based on European
import
values or the nearest British equivalent, at our discretion.
Policy Schedule
The document that shows the car we are insuring and the kind of cover you
have with us.
Territorial Limits
Great Britain, Northern Ireland, the Isle of Man and the Channel Islands,
including travel between any of these.
Total Loss
When we decide your car is uneconomical to repair following an accident,
theft, or when your car is stolen and unrecovered.
Contribution
A proportion of the claim you may be asked to pay if we have to replace parts
of your car, which were worn or damaged prior to the insured loss.
Please Note
You cannot be covered under this policy if you are a permanent resident of the
Channel Islands.
Insurance has been effected between elephant.co.uk, a brand of Admiral Insurance Services Limited, and certain insurers whose names can be supplied on application and which appear on a written form of authority, namely your Certificate of Motor Insurance. This document is evidence of that Insurance.
We have agreed to indemnify You, subject to the terms, conditions, limitations and exclusions contained in this document, against such liability loss, destruction or damage that may occur during any period of insurance directly sustained in connection with your car referred to on your current Certificate of Motor Insurance.
The parties to this contract are You and Us. Nothing in this contract shall create any rights to third parties under the Contracts (Rights of Third Parties) Act 1999 and no variation to this contract, nor any supplemental or ancillary agreement shall create any such rights unless expressly so stated. This does not affect any right or remedy of a third party which exists or is available apart from this Act.
Admiral Insurance Services Limited is a member of the General Insurance Standards Council and has agreed to comply with the GISC Private Customer Code. Admiral Insurance Services Limited is defined as an intermediary which acts as your agent and accepts the responsibility for any advice provided and for the arranging of your insurance.
The subscribing insurers’ obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscribing insurer who for any reason does not satisfy all or part of its obligations.
In order that this document may be signed and issued as evidence of the Policy of Insurance, the Underwriters mentioned in your Certificate of Motor Insurance have entered into an agreement.
This agreement empowers an authorised Underwriter at Admiral Insurance Services Limited to sign and issue this document.
Signature
David Stevens, Active Underwriter
elephant.co.uk is a trading name of Admiral Insurance Services Ltd. Registered
at Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ.
Your policy is proof of the contract between you and us. It is based on the information given by, or for you, when you applied for this insurance. This information is shown on your Motor Proposal Confirmation Declaration. You promise, as far as you know, that the information you have given us is true.
You must read your policy as a whole. The general exceptions and general conditions apply to all sections of your policy.
Unless we have agreed otherwise with you, the Insurance Contract with elephant.co.uk shall be subject to the law of England and Wales and the exclusive jurisdiction of the courts.
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It is very important that you tell us about any material changes in your circumstances as we may not be able to offer cover in every case.
Please email us at help@elephant.co.uk.
3. when you renew your insurance
If you don't tell us about any of the changes above, it could mean you will be unable to make a claim under this policy of insurance. We may not be able to offer insurance cover on certain cars unless our specific age requirements are met.
If you or your car are involved in an incident covered by your policy with us please email us immediately at help@elephant.co.uk.
If the damage to your car is covered under your policy, and your car cannot be driven, we will arrange for one of our Approved Repairers to:
If you do not wish to use our Approved Repairers, we cannot provide you with a replacement car. You will need to get two estimates from separate repairers and send them to us as a scanned email attachment, by fax, or by post using our freepost address at elephant.co.uk, FREEPOST SWC3635, Cardiff, CF10 3GZ. If we think that the repair estimate is unreasonable, we may arrange for the removal of your car to another repairer. We may also ask you to put your car in a safe place, specified by us, before it is either repaired or disposed of.
If your policy includes glass cover, and either your windscreen or window is broken, please call our 24 hour Glass Repair Helpline on 087 0243 6436 so that we can arrange for repair work to be carried out.
In the event of a claim the maximum we will pay against loss or damage to this audio equipment is 15% of your car's market value or £750 whichever is the less. If your car is written off we will add to the overall market value of the car the amount by which the equipment increases the value of the car.
We will decide how we will settle your claim. We will pay either:
If your car cannot be repaired economically, we will arrange for it to be moved to a place of free and safe storage as soon as possible. The salvage of the car will become our property after settlement.
If any lost or damaged parts are no longer available, we will only pay the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs.
If your car is three years old or more, we may decide to repair it with parts which have not been made by the car's manufacturer but are of a similar standard.
If you have bought the car by hire purchase, or are leasing it, any money owed to the company involved will be paid directly to the company first and the balance of the monies, if there is one, will be paid to you.
We will not pay:
You do not have to pay any excess if your car is damaged while with a member of the motoring trade for servicing or repair.
If you want us to pay for damage to your car, its accessories and spare parts,
then you must take steps to make sure it is kept safely until repaired. You
can arrange to have your damaged car moved to the premises of the nearest competent
repairer. We will pay reasonable charges for safeguarding your car and getting
it to and from the repairers. It is important that you tell us immediately
of the whereabouts of the car. Any charges incurred as a result of your failure
to notify us are your responsibility.
Remember, you must send any writ, summons or letters to us received in connection
with any claim, accident or loss as soon as you receive them.
We will cover you for:
In the event of a claim the maximum we will pay against loss or damage to this audio equipment is 15% of your car's market value or £750 whichever is the less, where the loss is caused by:
If your car is written off we will add to the overall market value of the car
the amount by which the equipment increases the value of the car.
We will decide how we settle your claim.
We will pay either:
If your car is unrepairable, the salvage of the car will become our property after settlement.
If any lost or damaged parts are no longer available, we will only pay the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs.
If your car is over 3 years old, we may decide to repair it with parts which have not been made by the car manufacturer, but they will be of a similar standard.
If you have bought the car by hire purchase, or you are leasing it, any money owed to the company involved will be paid directly to the company first and the balance of the monies, if there is one, will be paid to you.
We will not pay:
We will cover you for everything you are legally liable to pay resulting from an accident in your car or an attached trailer and:
This cover also applies to any accident involving a trailer or broken-down car you may be towing.
If you qualify under this section, cover is limited to the policyholder and is restricted to Third Party Only. You are only covered when driving private motor cars within our territorial limits.
We will cover you for everything listed in clause 1a when you are driving any other car as long as:
We will also provide cover for:
If we agree in writing, we will pay the following legal costs and expenses from a claim caused by an accident:
We will pay for:
We will not pay for:
Notice to Northern Ireland policyholders:
The maximum payment we will make under ‘1. cover for your windscreen’, is £150.
We will pay:
Our 24-hour Glass Repair Helpline is: 087 0243 6436
We will not pay:
The most we will pay:
Claims under this section will not affect your No Claims Bonus.
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Your policy gives you the cover described in your current Policy Schedule for events occurring in:
The car is covered while it is being transported by air, sea or rail between those countries.
Using your car abroad
Your policy automatically includes a FREE International Motor Insurance
Certificate (which you will find on the back of your current Certificate
of Motor Insurance)
for a maximum of 30 consecutive days in any one trip up to a maximum of 90
days in a year. The International Motor Insurance Certificate is only valid
for the countries named above. There is no need to tell us you are taking
your car abroad.
Your free International Motor Insurance Certificate DOES NOT cover you for
travel in Malta, Romania, Poland or Andorra. As these countries require evidence
of minimum insurance cover, you must take a Green Card along with this Certificate
Of Motor Insurance when you travel.
If you want to make any changes to your policy or need a Green Card before taking your car abroad please email us at help@elephant.co.uk.
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If you make a claim, and you do not have Protected or Guaranteed No Claims Bonus, we will reduce your No Claims Bonus as follows:
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No Claims Bonus at last renewal date (yrs) |
No Claims Bonus at next renewal date (yrs) |
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1 claim |
2 claims |
3 claims |
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1 |
Nil |
Nil |
Nil |
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2 |
Nil |
Nil |
Nil |
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3 |
1 |
Nil |
Nil |
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4 |
2 |
Nil |
Nil |
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5 |
3 |
1 |
Nil |
This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we have to make a payment, we will reduce your No Claims Bonus unless we can get back all that we have paid from those who are responsible.
If you have any questions about your No Claims Bonus please email us at help@elephant.co.uk.
If you make a claim and your renewal premium has already been calculated, we reserve the right to amend/remove your No Claims Bonus entitlement and revise your premium.
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We will cover you and your spouse if you are accidentally injured as a result of a road traffic accident in your car and within 3 months of the accident if it directly causes:
We will pay the injured person or their legal representative £5000. The most we will pay in any one period of insurance is £5000. If you or your spouse have more than one policy with us, we will only pay out under one policy.
However, there is no cover for:
We will pay up to £100 for personal belongings in your car if they are damaged or stolen. If you ask us to pay someone else we will have no further responsibility to you once we have done so.
You are not covered for:
If you have an accident or make a claim and our Approved Repairers are authorised
to do the work you will get a FREE replacement car within 24 hours while your
car is being repaired. Unfortunately we cannot guarantee like for like. The
replacement car will be insured by us under your policy of insurance on the
same terms and conditions as your own car.
Replacement cars are not provided if your car has been stolen and remains unrecovered, if it is beyond economic repair, if you do not use one of our approved repairers or if the insured car is a non-European import.
We cannot guarantee to provide a replacement car adapted for any individual's
special needs or disability.
5. car keys
In the event that your car keys are stolen or lost from somewhere other than the insured car, we will pay up to a maximum of £100 for the cost of replacing the locks.
These general exceptions apply to all policies.
Please read them carefully, and if you have any questions please email us at help@elephant.co.uk.
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If you or your car are involved in any type of claim, accident or loss, you must tell us about the incident within 48-hours. If your claim is for glass damage only, call our 24 hour Glass Repair Helpline on 087 0243 6436.
We can cancel this policy by sending seven days notice in writing to your last known address.
If after reading the policy Terms and Conditions, you wish to cancel your policy then you must return your current Certificate of Motor Insurance to us, together with your Motor Proposal Confirmation, within 14 days of receiving those documents.
The full premium is due to us if a claim is made on your policy. This applies in all circumstances regardless of payment method and regardless of whether you return your documents within 14 days.
If any refund of your premium is due, this will be calculated from the date we receive your Certificate of Motor Insurance. We will calculate any refund on a pro-rata basis less an administration charge. If there is any outstanding premium due to us, we will inform you.
If you pay for any part of your premium by credit/debit card and the payment is rejected, we can cancel your policy, as per general condition 4 of this policy.
If we pay for a total loss claim, we will deduct all outstanding premiums from your claim settlement.
To ensure that there is no interruption in your cover, shortly after the renewal date of the policy we will automatically apply for payment of the premium due from the card details we hold on record. If you did not wish to renew and we have applied for payment we will make a full refund on receipt of proof of alternative insurance and the return of your Certificate of Motor Insurance.
Any refund due on your policy must be returned to the original credit or debit card.
You cannot take any legal action against us until the arbitrator has made a decision.
If you have other insurance which covers the same liability, loss or damage we will only pay our share of the claim. This does not apply to personal accident benefits.
We will not pay a claim which is fraudulent, false or exaggerated or where we have been given false or stolen documents, or misleading information about a claim. All cover under this insurance will be cancelled immediately.
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If your car is a total loss, we will deduct any outstanding premium owed to us from any payment to you. We will have met all our responsibilities under the policy and the car will become our property. All cover will then cease unless we specifically agree otherwise.
We will not pay a claim if there has been a non- disclosure of material information that would have influenced our assessment and acceptance of the policy and/or claim.
If an accident happens and as a result you or any person entitled to drive
under section 5 of your current Certificate of Motor Insurance is convicted
of an offence involving drink or drugs, or was driving when under the influence
of drink or drugs, cover will be restricted to our liability under the Road
Traffic Act.
We reserve the right to recover any resulting costs from you and/or the driver.
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If you sell your car and you are thinking of replacing it before your policy expires, and providing that no claims have been made, you can suspend your policy until you buy your next car.
Once we receive your current Certificate of Motor Insurance we will suspend your policy. When you buy your next car you must email us beforehand at help@elephant.co.uk. If possible, and subject to our underwriting criteria, we will reinstate your cover and adjust your outstanding balance.
If you have not replaced your car by the time your policy is due to renew, your policy will be cancelled from the date we receive your current Certificate of Motor Insurance.
For your benefit and to ensure an efficient administration process, we may discuss with and take instruction for changes to your policy from, either yourself, your spouse or partner, parents, and from drivers already named on the policy. If you do not wish us to do this then please write to the Underwriting Department, Capital Tower, Greyfriars Road, Cardiff CF10 3AZ.
In the event of a change to your policy or should we be required to reissue documentation, we may charge a small administration fee. We reserve the right to alter this fee without notice.
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These extra conditions (endorsements) only apply if shown on your current Policy Schedule. Please read your current Policy Schedule to see which of these endorsements apply to your particular policy:
We will not provide any cover if your car is being driven by, or is in the charge of any person specifically excluded in the Policy Schedule.
We will not provide a Green Card for driving your car abroad. Your cover is limited to the minimum legal requirement of the country you are driving in.
If you have Protected No Claims Bonus and:
If you make a claim during your insurance term you will not earn any No Claims Bonus entitlement for that insurance term.
Protected No Claims Bonus does not protect your premium from increase at renewal. However, our motor premium calculation will include the No Claims Bonus discount to which you are entitled.
If you make a claim and your renewal premium has already been calculated,
we reserve the right to amend/remove your No Claims Bonus entitlement and
revise your premium.
Your No Claims Bonus will not be affected at renewal if you make any claim on this policy.
If you make a claim during your insurance term you will not earn any No Claims Bonus entitlement for that insurance term.
Guaranteed No Claims Bonus does not guarantee your premium from increase at renewal. However, our motor premium calculation will include the No Claims Bonus discount to which you are entitled.
If you make a claim and your renewal premium has already been calculated, we reserve the right to amend/remove your No Claims Bonus entitlement and revise your premium.
If you make a claim for loss or damage to your car, we will only pay the
cost of replacing parts needed for the car to meet the manufacturer's standard
specification.
Any trailer attached to your car will have cover under Section 3 of this policy if:
This clause applies.