aviva car insurance Claire.pdf

Miss C Brymer 14 Monteith Avenue Stirling FK7 9BJ 5 September 2024 Policy overview 1101001000000000...

Miss C Brymer 14 Monteith Avenue Stirling FK7 9BJ 5 September 2024 Policy overview 1101001000000000 Policy number MMV140927279 0000000 Start date 22 Sep 2024 End Date 21 Sep 2025 NCD 15 or more Dear Miss Brymer Years Vehicle SG66WKB Thank you for buying your car Annual premium Policy excess £311.62 £350 insurance from Aviva Payment option Annual We have enclosed your schedule, certificate of motor insurance, policy wording, information provided by you document, Insurance Product Policy extras selected Information Document and important information. It’s really important that you read through these documents so that you by you understand the level of cover you have and to ensure that all the details are Motor Injury Protection £10.00 correct. Plus Also included are your payment instructions. Motor Legal £29.00 Thank you for your premium payment by credit card. Aviva will collect the Rescue Only £45.62 premium annually by debiting your credit card for the above policy. By proceeding with your Aviva Car insurance policy, you agree to your premiums being collected in this manner. This total amount includes Insurance Premium Tax at the appropriate rate where applicable. Your premium only applies for this year and may be higher next year. Automatic renewal of your policy We will contact you at least 21 days before your renewal date with your new price for the next 12 months. If we don’t hear from you, we will continue to take your premium payments automatically at your renewal date from your chosen payment method unless you tell us you wish to opt out of an automatic renewal. There’s more information about this including how to opt out under the Automatic renewal of your policy section in the Important Information document. Need some additional information or help? You can call us and we'll be happy to help, or you can view or make changes to your policy online. call 0345 030 7077, or visit aviva.co.uk/myaviva Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored. Safe and happy motoring, Your Aviva Customer Team Insurance is arranged by Aviva UK Digital Limited. Registered in England No. 09766150. Registered Office: 8 Surrey Street, Norwich, Norfolk, NR1 3NG. Authorised and regulated by the Financial Conduct Authority. Policies are underwritten and administered by Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.  Need Help? Your car Go online at www.aviva.co.uk/ insurance summary myaviva Or call us on 0345 030 7077 Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at We've put your policy documents in one place, so you can national call rates (charges may vary dependent on your network provider) easily find what you need when you need to. and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls Your Motor Policy: maybe recorded and/or monitored Cover letter Find your premium and policy number. Helpful Information Find your payment details. Schedule Check the cover your policy gives you. Also, see your cover limits, excess and any clauses that could affect you. Information Provided by You Check we’ve got all your personal details right. About our insurance services to you See the regulatory status of the insurer (and any intermediaries), details of the products offered and level of service we’re committed to. Your multi-vehicle insurance certificate for SG66WKB Proof you have a car insurance policy with us. If the info doesn’t look right in these documents, get in touch by visiting www.aviva.co.uk/myaviva or please call us on 0345 030 7077 About our insurance services to you Aviva UK Digital Limited 8 Surrey Street, Norwich, Norfolk, NR1 3NG Who regulates us? The Financial Conduct Authority (FCA) is the independent watchdog that regulates financial services, including insurance. We are authorised and regulated by the FCA as an insurance intermediary and sell insurance products, acting on behalf of the insurer. We are also permitted to act as a credit broker in relation to the arranging of a monthly premium payment facility to finance those insurance products. We are registered with the Financial Conduct Authority as: Aviva UK Digital Limited, 8 Surrey Street, Norwich, Norfolk, NR1 3NG. Our Financial Services Register number is 728985. You may check this information and obtain further information about how the FCA protects you by visiting the FCA’s website at www.fca.org.uk/register. Whose products do we offer? We are only able to offer information on insurance products from Aviva Insurance Limited apart from Breakdown (either sold as a standalone product or as an optional cover to a motor policy) where we can only offer information on products from RAC Insurance Limited. We also act as credit broker to Aviva Insurance Limited’s monthly premium payment facility. Which services will we provide you with? For insurance policies sold by telephone or sold online, you will not receive advice or a recommendation from us. We will help you make the right choice by asking some questions to narrow down the selection of products and provide information relevant to your demands and needs. What will you have to pay us for our services? Our staff are salaried and they receive an annual bonus based upon the overall performance of the Aviva Group, but they receive no additional bonus, commission or other benefit from providing you with these services. Aviva Insurance Limited pays commission to Aviva UK Digital Limited for selling this product. This means a percentage of the premium you pay is given to Aviva UK Digital Limited. Aviva Insurance Limited also provides services to Aviva UK Digital Limited, such as customer contact services. No fee is payable in relation to our insurance or credit broking services. When you receive a quotation we will tell you about any other fees relating to any particular insurance policy. Ownership Aviva UK Digital Limited and Aviva Insurance Limited are both members of the Aviva group of companies. Aviva Insurance Limited owns more than 10% of share capital in Aviva UK Digital Limited. What to do if you have a complaint We hope that you will be very happy with the service that we provide. However, if for any reason you are unhappy with it, we would like to hear from you. In the first instance, please telephone us on 0345 030 6984. Aviva UK Digital Limited is covered by the Financial Ombudsman Service for complaints from private individuals, certain small businesses, charities and trusts. If you have complained to us and we have been unable to resolve your complaint, you may be entitled to refer it to this independent body. Following the complaints procedure does not affect your right to take legal action. Further details of our complaints procedure can be found in your insurance documents, or may be obtained from your usual Aviva UK Digital Limited contact. Peace of mind Our obligations are covered by the Financial Services Compensation Scheme (FSCS). If we were unable to meet our obligations, you could be entitled to compensation from this scheme, depending on the type of insurance and the circumstances at the time. Further information about compensation scheme arrangements is available on the FSCS website www.fscs.org.uk. Calls to 0800 numbers from UK landlines and mobiles are free. The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored. Aviva UK Digital Limited. Registered in England No. 09766150. Registered Office: 8 Surrey Street, Norwich, Norfolk, NR1 3NG. Authorised and regulated by the Financial Conduct Authority. Aviva Insurance Limited. Registered in Scotland Number 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. NGNAG13363 7.0 Helpful information Policy number: MMV140927279 You have chosen to pay: Continuous credit card Here are the credit card debit details for paying the premiums on your policy. Please take note of the amount and collection date. If any of your details are incorrect or change please let us know immediately. Your insurance will continue unless you tell us otherwise. Account name Claire Brymer Card number ************9624 Frequency of collection Annual Amount to be debited £311.62 Date of collection 5 September 2024. All cancellations and some adjustments during the term of this policy are subject to administration charges. Please refer to your policy booklet. Our claims service gets you back on the road quickly Just make one call and we handle your claim from We'll recover your vehicle if it's unroadworthy in there. the event of an accident. Call immediately from the roadside, and we'll If your windscreen is damaged, call us right away. authorise a member of our approved repairer service network to start work and we'll pay them directly. Help is just one call away 0345 030 6925 calls may be recorded and/or monitored for our joint protection Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Information provided by you IMPORTANT - This is the information that you provided to us when applying for your policy. You have confirmed you have answered the questions to the best of your knowledge and belief. It is very important that you check that it is complete and accurate. If it isn't, please go online at aviva.co.uk/myaviva or call us immediately on 0345 030 7077 and we will correct and re-issue it. If any information on this document is not complete and accurate: we may cancel your policy and refuse to pay any claim, or we may not pay any claim in full, or we may revise the premium and/or change any excess, or the extent of the cover may be affected. Principal policyholder: Miss Claire Brymer Address: 14 Monteith Avenue, Stirling, FK7 9BJ Contact number: 07845803872 Policy number: MMV140927279 Period of cover: 00.01 on 22 September 2024 to 23.59 on 21 September 2025 Your insured vehicle Payment options: One annual payment SG66WKB Ford Fiesta Zetec (99) 3h 2wd (2016) 999 Petrol Manual 3 Door Hatchback Vehicle Miss Claire Brymer policyholder: Driving option: Vehicle policyholder and named drivers - This vehicle has comprehensive cover based on £350 excess and up to 4000 miles a year per year of Social, Domestic, Pleasure and Commuting and restricted business use (refer to the vehicle certificate). - The vehicles are or will be owned and registered by either you, your spouse/civil/domestic partner, a close relative residing at the same address, your company or is the subject of a private or personal leasing contract. - Vehicle modifications: no modifications - Named driver is Mr. Scott Samson. - Cover for this vehicle is based on 15 or more years no claims discount (NCD) which is unprotected. NCD is owned by Miss Claire Brymer. Driver history Driver details Name: Miss Claire Brymer Name: Mr. Scott Samson Date of birth: 15 Sep 1988 Date of birth: 14 Oct 1991 Licence number: BRYME859158C99JV Licence details: Full UK Car Licence held for 8 years W here you have provided us with your licence number, we have looked up data held by the DVLA. You can view this data on the DVLA’s website: https://www.gov.uk/view-driving-licence Driver medical history No medical conditions other than those disclosed to the DVLA and based on which the DVLA have agreed to the issue of a licence. Accidents and losses in the past 4 years None Important Please report all accidents to us immediately online at www.aviva.co.uk/make-a-claim or call us on 0345 030 6925. Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Information provided by you - continued Motoring convictions Miss Claire Brymer We use your licence number to look up data held by the DVLA, you can view this data on the DVLA’s website: https://www.gov.uk/view-driving-licence You've also confirmed that neither you or any named driver: don’t have any unspent criminal convictions for fraud, or any other offence (excluding motoring offences) for which they were given a prison sentence (including where this was suspended) been refused insurance by previous insurers for motor insurance or have one of the following occupations: professional entertainer, footballer, boxer or gambler, chauffeur/taxi driver, driving instructor or parcel or takeaway/fast food delivery. Your policy schedule This document shows the cover your policy provides. Please read it and keep it safe with your other policy documents. Principal policyholder: Miss Claire Brymer Address: 14 Monteith Avenue, Stirling, FK7 9BJ Contact number: 07845803872 Policy number: MMV140927279 Period of insurance: 00.01 on 22 September 2024 to 23.59 on 21 September 2025 Your total premium is £311.62 Payment Method - Annual This includes Insurance Premium Tax (IPT) at the appropriate rate where applicable. This premium is based on the information you have provided. Any change affecting any vehicles could result in a change of premium. Your Demands and Needs Statement Following your enquiry, the information detailed below indicates the demands and needs you stated for your insurance requirements. Important Information You should note that we have not taken into account any existing insurance arrangements you may have. Please read the below information carefully. It is a record of the statement made and the information given by you when obtaining a quote and does not constitute a personal recommendation. If you are satisfied that to the best of your knowledge and belief this is a true statement of the facts, you need take no further action. However if any of the details appear to be incomplete or incorrect, please contact us. Registration number - SG66WKB Comprehensive cover: £227.00 Motor Injury Protection Plus £10.00 Motor Legal £29.00 Rescue Only £45.62 Total vehicle premium: £311.62 The comprehensive policy provides accidental damage, malicious damage, fire and theft cover for your vehicle and third party liability protection for injury or damage you may cause to others. Your insured vehicle SG66WKB Ford Fiesta Zetec (99) 3h 2wd (2016) Effective Date 22 September 2024 End Date 21 September 2025 999 Petrol Manual 3 Door Hatchback Vehicle policyholder: Miss Claire Brymer Driving option: Vehicle policyholder and named drivers - This vehicle has comprehensive cover based on £350 excess and up to 4000 miles a year per year of Social, Domestic, Pleasure and Commuting and restricted business use (refer to the vehicle certificate). - The vehicles are or will be owned and registered by either you, your spouse/civil/domestic partner, a close relative residing at the same address, your company or is the subject of a private or personal leasing contract. - Named driver is Mr. Scott Samson. - Vehicle modifications: no modifications - Cover for this vehicle is based on 15 or more years no claims discount (NCD) which is unprotected. NCD is owned by Miss Claire Brymer. - Optional covers include motor injury protection plus, motor legal and rescue only. Your cover This table shows your policy cover limits in the event of a claim. Please read this alongside your Comprehensive policy booklet. The ‘Your vehicles’ section will show which cover you have. Important Please report all accidents to us immediately online at www.aviva.co.uk/make-a-claim or call us on 0345 030 6925. Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Your policy schedule - continued Your cover(continued) Loss of or damage to your vehicle - Non manufacturer fitted accessories limit £1,000 per claim - Manufacturer fitted accessories limit unlimited - New vehicle replacement Your liability - Third party property damage limit £20 million - Third party property damage limit - hazardous goods and locations £1.20 million - Terrorism limit £5 million - Claimant costs limit £5 million Motor Injury Protection - Single claim limit £5,000 per person, per claim - Annual claim limit £5,000 per person, per annum Medical Expenses - Medical Expenses limit £250 per claim Personal Belongings - Personal Belongings limit £500 per claim Child Seat - Child Seat limit Full replacement Tool Cover - Tool cover limit £500 per claim Vehicle Recovery - Vehicle Recovery due to illness Replacement Locks - Replacement Locks Glass - Approved Repairer windscreen replacement limit unlimited - Non approved Repairer windscreen replacement limit £185 per claim - Windscreen replacement excess £115 per claim - Windscreen repair excess £10 per claim Uninsured Driver Promise - Uninsured Driver Promise Optional cover limits - please refer to 'Your insured vehicle' to see which optional covers have been selected on your vehicle. Motor Legal (previously known as Legal Expenses) - Legal protection to claim costs or compensation after a motor accident or incident (previously £100,000 per claim known as 'Uninsured loss recovery limit') - Legal protection to defend motoring offences (previously known as 'Motor prosecution £10,000 per claim defence limit') Motor Injury Protection Plus - Additional benefit for death or serious injury - Single claim limit £120,000 per person, per claim - Additional benefit for death or serious injury - Annual claim limit £120,000 per person, per annum - Physiotherapy cover for minor injuries £500 per person, per claim Additional information Excesses Please refer to the ‘Your insured vehicles’ section of the schedule to see what additional Comprehensive excesses apply to your vehicles. Young driver excess - Young driver excess - under 21's £300 per claim - Young driver excess - 21-24 year olds £200 per claim Non approved repairer excess - Non approved repairer excess £200 per claim Your fees Cancellation fee £38 (exc IPT) Your policy schedule - continued Clauses applicable The following are special terms and conditions which should be read in conjunction with your Policy Booklet. Clauses applicable to the Vehicles section Opt out of Courtesy Vehicle Benefit Courtesy Vehicle cover for vehicle registration numbers(s) SG66WKB has been removed from Section 1 of the policy. Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Your certificate of car insurance This vehicle insurance certificate is evidence of your cover with us. Please read it and keep it safe with your other policy documents. Your policy number MMV140927279/1 Vehicle policyholder Miss Claire Brymer Vehicle registration SG66WKB Make of vehicle 2016 Ford Fiesta Zetec (99) 3h 2wd Start of cover 00.01 on 22 September 2024 End of cover 23.59 on 21 September 2025 The insured vehicle The vehicle registration mark described above or 1. any vehicle loaned to the vehicle policyholder for a maximum of seven days from a garage, motor engineer or vehicle repairer while the vehicle registration described above is being either serviced, repaired or having a MOT test. Description of use Use for social, domestic and pleasure purposes. Use for travel to or from a place of paid employment. Use by Miss Claire Brymer or their spouse/domestic/civil partner in connection with their occupation(s). Exclusions Use for hiring of the vehicle, the carriage of passengers or goods for payment, the carriage of goods or property which does not belong to you as a courier or for takeaway food or fast food delivery. Use for any purpose in connection with the buying and selling, repair, servicing, cleaning, maintenance, inspection, testing, alteration or treatment of motor vehicles. Use for any competitions, trial, performance test, race or trial of speed, including off-road events whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event. Use to secure the release of a motor vehicle, other than the vehicle identified above by its registration number, which has been seized by, or on behalf of, any government or public authority unless the effective date of the certificate pre-dates the date of the seizure Permitted drivers As below provided that the person holds a licence to drive the car or has held and is not disqualified from holding or obtaining such a licence Miss Claire Brymer Named drivers: Mr. Scott Samson Under the terms of section 2 of the policy - Your Liability - Miss Claire Brymer may also drive a Motor Car which 1) does not belong to them 2) is not a rental car 3) is not hired to them under a hire purchase or leasing agreement Providing they are driving with the owner's express consent I hereby certify that the policy to which this certificate relates satisfies the requirements of the relevant law applicable in Great Britain, Northern Ireland, the Isle of Man, the Island of Guernsey, the Island of Jersey and the Island of Alderney. Aviva Insurance Limited - authorised insurers. Jason Storah CEO, UK & Ireland General Insurance Please note: For full details of the insurance cover, refer to your policy. Advice to third parties: Nothing contained in this certificate affects your right as a third party to make a claim Important Please report all accidents to us immediately online at www.aviva.co.uk/make-a-claim or call us on 0345 030 6925. Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The following wording is evidence that your policy provides the minimum level of compulsory motor insurance required in EU countries. It is similar to Third Party only cover in the UK. Please call us on 0345 030 7077 in advance of any trip abroad to ensure that you have the right level of cover for your needs. We also offer European breakdown cover at very competitive rates. To whom it may concern This insurance certificate provides evidence that motor insurance operates in the United Kingdom for the dates shown and this cover extends to and includes the compulsory insurance requirements of: a) Any member country of the European Union b) Andorra, Iceland, Liechtenstein, Norway, Serbia and Switzerland La présente attestation est faite pour server et valoir ce que de droit Cette attestation d’assurance apporte la preuve que l’assurance automobile est valable au Royaume-Uni aux dates indiquées et que cette couverture est étendue pour inclure les conditions obligatoires d’assurance de: a) Tous les autres pays membres de l’Union européenne b) Andorre, I ’Islande, le Liechtenstein, la Norvège, la Serbie et la Suisse An alle, die es angeht Dieses Versicherungszertifikat ist der Nachweis, dass die Kraftfahrzeugversicherung im Vereinigten Königreich an den gezeigten Daten gültig ist, und diese Deckung auch die Pflichtversicherungsvorschriften in: a) Jedem anderen Mitgliedsstaat der Europäischen Union b) Andorra, Island, Liechtenstein, Norwegen, Serbien und der Schweiz A quien corresponda Este Certificado de Seguro provee evidencia que seguro de automóvil opera en el Reino Unido para las fechas que aparecen y esta cobertura se extiende para incluir los requerimientos de seguro obligatorios de: a) Cualquier otro país miembro de la Unión Europea b) Andorra, Islandia, Liechtenstein, Noruega, Serbia y Suiza A chiunque possa interessare Questo Certificato di Assicurazione costituisce la prova dell’esistenza dell’assicurazione automobilistica nel Regno Unito per le date indicate e che la copertura è estesa in modo da includere i requisiti assicurativi obbligatori di: a) Qualsiasi altro Paese facente parte dell’Unione Europea b) Andorra, Islanda, Liechtenstein, Norvegia, Serbia e Svizzera In the event of an accident call 0345 030 6925, or visit aviva.co.uk/myaviva For changes to your policy call 0345 030 7077, or visit aviva.co.uk/myaviva