USA Car Hire — Additional Cover aS COVER MAXIMUM POLICY LIMIT £2500 g ACCIDENTAL DAMAGE OR THEFT * Costs not covered by the car hire company relating to damage or theft of the hire vehicle + Roof of the vehicle + Windows, windscreen or glass in sunroof + Undercarriage + Lights + Tyres + Upto the policy limit, fesss] | UNUSED RENTAL DAYS * Upto the Policy Limit ADMINISTRATION CHARGES + £100 PERSONAL POSSESSIONS Single article limit + Upto the poticy mit + £250 VEHICLE HIRE KEY COVER >| F bo Up to the policy Limit (MISFUELLING Eo Up to the policy Limit ROADSIDE AND TOWING a8 Up to the policy Limit PLEASE NOTE Ths policy is subject to a maximum indemnity limit of £2500. POLICY ‘This document sets out the terms and conditions of your cover and itis important that you read it carefully. It explains what is covered and what is not covered. ‘Thore are exclusions and conditions that you must follow {or the policy to work. Page 1DISCLOSURES Etrawler is an Appointed Representative of and collects ‘premiums on behalf of Inter Partner Assistance S.A. UK Branch. which is a member of the AXA Group. Etrawier trading as Cartrawler is an unlimited company registered in Ireland under company £3433 whose registered office Is at Classon House, Dundrum Business Park, Dublin 14, Ireland Insurer This policy is underwritten by Inter Partner Assistance S.A. UK Branch, which is part of the AXA Group ELIGIBILITY ‘To be eligible for cover under this policy, you must meet the following criteria: The rental vehicle must have no more than 9 seats, including non-commercial vans. The rental period must not be longer than 62 days. You must be the person shown as a named driver on the rental agreement for the hire vehicie. You must reside permanently with in the UK. You should not buy this policy ifthe above criteria are not met. ABOUT US Employees of Inter Partner Assistance are remunerated on the basis of an annual salary and any bonus eamed is calculated by reference to the performance of the business and personal performance. They are not remunerated by reference to individual policy sales. ‘You will not be charged any fees for any changes you wish to make to your policy during its term, other than changes Which impact the length or coverage of your policy which ‘may result in the payment of additonal premium for the change in cover required. We do not provide any advice or personal recommendations with respect to this product. In selling you any policy of insurance CarTrawler acts as an agent of Inter Partner Assistance. You are solely responsible for ‘ensuring that this insurance policy meets your demands, ‘and needs, based on the information we have provided: Inter Partner Assistance does not have any direct or indirect shareholdings representing 10% or more of the voting rights in CarTrawler. DEMANDS AND NEEDS This policy meets the demands and needs of a person ‘seeking to protect the amount they are liable to pay under their car hire agreement in the event of an incident affecting the vehicle during the period of hire and other loss. Incidental to the hire where the eligibilly criteria are met. WHAT MAKES UP THIS POLICY? This Policy along with your Policy Schedule, form your Insurance contract between you and us (Insurer). HOW YOUR POLICY WORKS Your Policy and Policy schedule is a contract between you and us. Damage Refund Insurance We will pay for any claim you make which is covered by this policy and happens during the period of insurance. Unless specifically mentioned, the benefits and exclusions, within each section apply to each person insured. Certain words have a special meaning as shown under the heading Definitions. ‘These words have been highlighted by the use of bold print throughout the policy document. CANCELLATION PERIOD If you find thatthe cover provided under this policy does rot meet your needs, you can cancel your policy up to 24 hours prior to your car hire agreement commencing. Please email us at insurancesuppori@cartrawler.com or via the customer portal wwww.cartrawlr.com/pertal-full {and we will cancel this policy ‘You will receive a ful refund of your premium provided: you have not started your journey; you have not made a ‘laim; and you do not intend to make a ciaim. No premium is refunded for a policy cancelled less than 24 hours before your car hire agreement start. We may cancel this policy by giving you at least 14 days written notice at your last known address if you cease to ‘comply with the terms and conditions of this policy in any significant respect. We may cancel this policy without giving you prior notice if, by law or other similar reasons we are prevented or ‘otherwise impeded from providing it I we exercise our rights to cancel the policy under this ‘section, we wil refund the pramium paid proportionate to the remaining period of insurance, unless you have ‘made any claims. We may cancal this policy without giving you prior notice ‘and without refunding your premium if: ‘You make or try to make @ fraudulent claim under your policy; you are abusive or threatening towards our staff Please note: Ifthe Damage Refund Insurance has been purchased as part of the hire vehicle package it cannot be cancelled separately as it forms part of your hire vehicle booking. If you cancel the hire vehicle booking the Damage Refund Insurance will automatically be cancelled, JURISDICTION AND LAW Unless agreed otherwise English law will apply and all ‘communications and documentation in relation to this ppolcy willbe in English. In the event of a dispute ‘conceming this policy the relevant court shall have exclusive jurisdiction. DEFINITIONS ‘Wherever the following words and phrases appear in bold in this document, they will always have the following ‘meanings: Page 2Policy Schedule means the document that contains the name of the policyholder and gives details of the cover provided by this policy. Excess means the amount you must pay towards any Incident which is not covered under the Collision Damage Walver clause in your vehicle hire agreement. ‘Area of Cover Worldwide (excluding Afghanistan, Belarus, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, ‘Burma, Sudan and Zimbabwe). Incident means an unexoected event resulting in damage to the hire vehicle caused by fire, vandalism, accident or theft occurring during your rental period, for which you are liable under the car hire agreement. Hire Vehicle means the vehicle owned by a licensed rental ‘company or agency, which you have agreed to hire from them according to the terms of your rental agreement. Insurer means Inter Partner Assistance S.A. UK Branch, Pair or set means a number of items of personal possessions that belong together or can be used together. Period of insurance means your car hire period. All cover ‘ends on the expiry date shown on your Policy Schedule. Personal money means cash, cheques, postal and money ‘orders, current postage stamps, travellers cheques, ‘coupons or vouchers which have a monetary value, admission tickets and travel tickets. Personal possession means each of your suitcases, trunks and similar containers (including their contents) and articles worn or carried by you (including your valuables and passport) in your hire vehicle, Public Highway means a main road or thoroughfare, such as a street, boulevard, or parkway, available to the public for use for travel or transportation Car hire period means the dates for which you have arranged to hire the hire vehicle. Valuables means jewellery, watches, items made of or containing precious metals or semi/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, tolovision, fax and ‘phone equipment (including mobile phones), MP3 players, PDAs, electronic games, TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes. WelUs/Our means Inter Partner Assistance S.A. UK Branch and its authorised agents and suppliers Policyholder means each person shown on the policy schedule. You, Your means who is named on the rental agreement being authorised to drive the rental vehicle and for whom Damage Refund Insurance the appropriate insurance premium has been paid for this policy. ‘Third Party means a person or group besides You the Policyholder liable for ‘The incident CLAIMS HANDLING I you wish to make a claims please refer to the How to ‘make a claim section. Page 3Damage Refund Insurance COVER DETAILS ACCIDENTAL DAMAGE OR THEFT WHAT IS COVERED? If your Hire Vehicle is involved in an incident. We will reimburse you up to the policy limit for amounts payable as a result of damage to or theft ofthe rental vehicle ‘not covered under the collision damage waiver clause of your car hire agreement WHAT IS NOT COVERED? Any claim where you have not followed the terms of| your rental agreemer Damage to the Hire Vehicle interior, Mechanical failure of the Hire Vehicl * General wear and tear; * Items showing as defective atthe time the rental ‘agreement commenced; Driving off the Public Highway; * Commercial use. Please refer to the Genoral Exclusions and General 200; S000 800 USED RENTAL DA’ WHAT IS COVERED? WHAT IS NOT COVERED? | ‘You and any of your travelling party are covered for a pro rata refund up to the policy mit of policy limit if the car rental agreement is cancelled or cut short due to the following: + A Medical Condition that has affected yourself or one of the travelling party. Please note a medical certificate will need to be provided + A medical condition that has affected an immediate family member of you or your traveling party. Please note a ‘medical carificate will need to be provided + An accident or mechanical breakdown which necessitates the cancelation of your vehicle rental > Any costs which exceed the maximum claim limit of £2500 X Any costs refunded by the rental Company Page 4Damage Refund Insurance ADMINISTRATIVE CHARGES WHAT IS COVERED? WHAT IS NOT COVERED? ¥ You are covered for up to £100 for administration feos charged by the rental company for processing your damage costs. Any administration fees that are not related to you substantiating your claim, WHAT IS COVERED? WHAT IS NOT COVERED? Up to the policy limit including fees and taxes, in otal for your personal possessions damaged following attempted theft or stolen from the locked boot, covered luggage area or glove box of the Hire Vehicle, during your vehicle hire period. ‘The maximum amount we will pay for a single article, pair or sot is £250. Note: It willbe our decision, taking your citcumstances into account, either: To pay the cost of repairing your items ¥ To replace your belongings with equivalent items; or ¥ To pay the cost of replacing your items. Please refer to the General Exclusions and General Conditions sections of this policy for further information on. the cover we provide under this policy. % Tobacco, alcohol, fragrances and perfumes. Breakage of or damage to fragile articles, audio, video, ‘computer, television, fax and phone equipment. Loss or damage due to the climate, wear and tear, loss in value, % Aclaim for more than one mobile phone per person insured % Loss or theft of, or damage to, the following: — Films, tapes, cassettes, computer games, electronic games, mini- discs, DVDs, video and audio tapes, cartridges or disc; = Goods which deteriorate, bottles or cartons, and any damage caused by these ltems or their contents; = Contact or corneal lenses, unless following fire or theft, — Bonds, share certificates, guarantees or documents of any kind: — Personal possessions unless they are on your, person, or they are out of sight in the locked boot or ‘covered luggage area or glove box of the insured vehicle: ‘You are not covered for more than £50 in total for: ~ Personal money.Damage Refund Insurance eat aac) aad WHAT IS COVERED? ¥ We will pay up to the policy limit including fees and taxes, in total to replace the car hire keys if these are lost, stolen, ‘or damaged during the rental period. This will also include, ‘where necessary, the costs to replace locks or for a locksmith to broak into the Hire Vehicle, WHAT IS NOT COVERED? Please refer to the General Exclusions and General Congitions sections for further information on the cover ‘we provide under this policy. WHAT IS COVERED? Draining and fushing the fuel tank on site using a specialist roadside vehicle or Recovery of the rental vehicle, the driver and up to six passengers to the nearest repairer to drain and flush the fuel tank. Replenishing the fuel tank with 10 litres ofthe correct fuel You can only ciaim once per period of insurance. Reimbursement for costs including fees and taxes, up to the policy limit. Please refer to the General Exclusions and General, Conditions sections. WHAT IS NOT COVERED? ‘You will be responsible for paying any costs in excess of policy limit Fuel, other than the 10 litres of correct fuel to replenish the fuel tank after draining and flushing out the ‘contaminated fuel; Any claim resulting from foreign matter entering the fuel system except for diesel or petroleum; Mechanical or component damage to your rental vehicle ‘whether or not caused as a result of misfuelling or the cost of hiring an alternative rental vehicle in the event mechanical or component damage is sustained; ‘Any defect which is deemed NOT to be a direct result of misfuelling or a defect which existed before the incident of mistuelling; ‘Any vehicle or vehicles other than the Hire Vehicle or ‘vehicles listed on the rental agreement. Page 6Damage Refund Insurance Eo Veet] eA Loc} WHAT IS COVERED? WHAT IS NOT COVERED? ¥ Ifthe Hire Vehicle breaks down following an incident which renders you unable to commence, continue or ‘complete a journey as a result of your vehicle being Unsafe to drive or being immobilised, you will need to ‘contact the hire car company immediately and follow their instructions. ¥ Ifyou are required to arrange or pay for the recovery of the vehicle, we will refund the costs you incur including {a0s, up to the policy limit (£2500) for a breakdown Vehicle to attend the scene, try and restore the Hire ity, and if required recover the vehicle to the destination of choice, Any costs where a ‘cannot be supplied, ‘The costs of the repairs ‘Arranging for the recovery of the vehicle, yoice and evidence of payment GENERAL EXCLUSIONS ‘The following exclusions apply to the whole of your policy. We will not caver you for any claim arising from the following: 4. War, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, civil commotion, rebelion, revolution, insurrection, military force, coup d'etat, terrorism or weapons of mass destruction. Any epidemic or pandemic. ‘You do not follow any suagestions or recommendations ‘made by any government or other official authority including the Foreign and Commonwealth Office during the period of insurance. 4. Your property being held, taken, destroyed or damaged under the order of any government or customs officals 5. lonising radiation or radioactive contamination from nuclear fuel or nuctear waste or any risk from nuclear ‘equipment ‘Any currency exchange rate changes. The failure or fear of fllure or inability of any equipment ‘or any computer programme, whether or not you own It, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date. ‘You acting in an illegal or malicious way. ‘Any loss caused as a direct or indirect result of anything you are claiming for. 10. Any damage covered by your vehicle rental agreement. 111, Any damage that occurs as a result of your use of ‘alcohol or drugs (other than drugs prescribed by a medical practioner). 12, Anything arising out of misuse of the rental vehicle. 18, Failure to comply with any law or equivalent requirements in the jurisiction in respect of which the Hire Vehicle rental agreement has been made. 114, Any incidents if the Hire Vehicle is driven off a Public Highway, 16.Hire Vehicles not named in the Hire Vehicle rental ‘agreement. 16. Any defect or damage which existed at the time that ‘you commenced your rental agreement. 17. We will not provide cover, pay any claim or provide any ‘benefit if doing so would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America, Page TGENERAL CONDITIONS ‘The following conditions apply to the whole of your policy Please read these carafully as we can only pay your claim if you meet these: 1. You take reasonable care to protect the Hire Vehicle land your property against accident, injury, loss and damage and act as if you are not insured and to minimise any potential claim, 2. You have a valid rental agreement. 3. You accept that we will not extend the period of insurance beyond the term of the orginal rental agreement. 4.Your claim must be notified to us within 6 months of the incident 5 Please provide us with full details of anything that may result in a claim and give us all the information we ask for. Please see section ‘How to Make a Claim’ for more information. 6.You accopt that no alterations to the terms and conditions ofthe policy apply, unless we confirm them in writing to you. 7-This insurance contract is between you and us. Any pperson or company who is not party to this policy has no right to enforce any condition of this policy. HOW TO MAKE A CLAIM Your claim will be handled by us or a service provider appointed by us. All settlement payments will be made in the currency listed in your Damage Refund Insurance terms and conditions. Visit our claims web site ‘httos:/www.myexcesselaim.com You will be able to register your claim online and upload Copies of the following documentation: For all claims: Your original Policy Schedule, signed rental agreement, confirmation of the condition of the vehicle atthe time the rental agreement commenced and ‘evidence from the rental company that you are being held liable in relation to your claim, Original bills oF invoices you are asked to pay. Details of any other insurance you may have that may cover the same loss. ‘As much evidence as possible to support your claim. ‘A copy of the driving license of the person driving the rental vehicle at the time of any incident. Detaled account of the circumstances surrounding the ‘event, Including photographs and video evidence (if this applies). Detailed account of the circumstances that led to the ‘damage of the rental vehicle, including where appropriate a \written police report. Damage Refund Insurance ‘Additional documentation in relation to Personal possessions and Rental vehicle key claim. Report the theft, damage or loss to the police within 24 hours of discovery and ask them for a written police report. It appropriate, you should also report the theft, damage or loss to your courier or hotel | apartment manager and ask for a written report. Keep any damaged items as we may need to inspect them, Ifwe make a payment, or we replace an item, the item wil then belong to us. ‘Obtain an estimate for repair for all damaged items. Please note that if you make a claim following an incident involving a Third Party who accepted the responsibilty, Yyou will need to inform us of any refund from the Third Party or the rental company. Iyou have a query please email: carhireciaims@axa-assistance.co. FRAUD, MISREPRESENTATION AND NON-DISCLOSURE It we discover, have reason to believe or reasonably ‘suspect that you, your family or anybody insured by this policy or acting for you has: * Acted in a fraudulent manner, either in applying for cover or making a claim; or ‘+ Misrepresented any answer to our questions (online or in personivia telephone), or withheld Felevant information, to influence our decision to offer you cover (or the terms and conditions of ‘said cover, of to obtain a better price for your cover) or accept a claim; or + Acted in a way to give rise to any offence, We reserve the right to all ofthe following: ‘+ Amend the policy details to record the right information about you, the hire vehicle(s) or any ‘ther relevant data, collecting any adcitional premium due (as we would have done had we known the correct details when you took out the policy) and charge any administration cost; ‘+ Cancel your policy, and treat it as ifit never existed, from the date ofthe fraud. misrepresentation or non-disclosure; ‘+ Keep any premium which you have paid for cover under this policy; ‘+ Refuse to pay the whole of a claim, ifwe suspect, part or all of it may be fraudulent or deliberately ‘exaggerated or misrepresented; ‘+ Take action to recover from you any costs, which we have incurred in investigating a fraudulent, ‘exaggerated or misrepresented claim, andior any payment we already made for it We will also pass your details, and details ofthe fraud as relevant, to the Police, other authorities or fraud prevention Page 8agencies, as well as other insurers to prevent fraud in the future, COMPLAINTS PROCEDURE We are committed to providing you with an exceptional level of service and customer care. We realise that things ‘can go wrong and there may be occasions when you feel that we have not provided the service you expacied. When this happens, we want to hear about it so that we can try to put things right. Ifyou have a complaint about our service, you can use the below details to contact us: If your complaint is not related to an existing claim or you require a premium refund please email insurancesupport@cartrawler.com If you have a complaint relating to an existing claim or you are having problems logging your ciaim please eral cathiroclaims@axa-assistance.co.uk Please put Complaint in subject heading, We will deal with your dissatisfaction as soon as we can and try to reach an amicable resolution. If we are unable to reach a resolution within 8 weeks or if you are not happy with our resolution, you may have the right to refer the mattar to the Financial Ombudsman, Service Exchange Tower, London E14 9SR. COMPENSATION SCHEME We are covered by the Financial Services Compensation ‘Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance and the circumstances of the claim. Further information about the compensation scheme arrangements is. available from the FSCS (www{8cs.0°g,Uk) or call them on 0207 741 4100, DATA PROTECTION Details of you, your insurance cover under this policy and claims wil be held by us (acting as data controllers) for ‘underwriting, policy administration, claims handling, ‘complaints handling, sanctions checking and fraud prevention, subject to the provisions of applicable data protection iaw and in accordance with the assurances ‘contained in our website privacy notice (see below), We collect and process these delails as necessary for performance of our contract of insurance with you or ‘complying with our legal obligations, or otherwise in our lagitimate interests in managing our business and providing our products and services. These activities may include: ‘use of sensitive information about the health or ‘vulnerability of you or others involved in your insurance claim, in order to evaluate your claim and provide other services as described in this policy b. disclosure of information about you and your insurance ‘cover to companies within the AXA group of companies, to Damage Refund Insurance ‘our service providers and agents in order to administer and service your insurance cover. to provide you with an Insurance excess claims service, for fraud prevention, to collect payments, and otherwise as required or permitted by applicable lam, c. monitoring andlor recording of your telephone calls in relation to cover for the purposes of record-keeping, training and quality control; 6. obtaining and storing any relovant and appropriata ‘evidence of the condition ofthe property subject ofthe excess claim, which you have provided forthe purpose of validating your claim; and «sending you feedback requests or surveys relating to our services, and other customer care communications. We will separately seek your consent before using or cisclosing your personal data to another party or the purpose of contacting you about other products or services (direct marketing). Marketing activities may include ‘matching your data with information from public sources, in ‘order to send you relevant communications. You may withdraw your consent to marketing at any time, or opt-out (of feedback requests, by contacting the Data Protection Officer (see contact detaiis below). We carry out these activities within the UK and the European Economic Area (the European Union plus Norway, Liechtenstein and Iceland) and Switzerland, ‘across which the data protection laws provide a similar level of protection. We may also transfer your information to other countries outside the UK the EEA. Where we do ‘so, we will ensure your data is given a similar level of protection to that required under United Kingdom data protection law. ‘By purchasing this policy and using our services, you ‘acknowiedge that we may use your personal data, and consent to our use of sensitive information, I you provide us with details of other individuals, you agree to inform thom of our use of their data as described here ‘and in our website privacy notice. ‘You are entitled on request to a copy of the information we hhold about you, and you have other rights in relation to how we use your data (as set out in our website privacy notice; see below), Please let us know if you think any information we hold ‘about you is inaccurate, so that we can correct it. I you want to know what information is held about you by Inter Pariner Assistance or AXA Assistance, or have other requests or concems relating to our use of your data, please write to us at: Data Protection Officer The Quadrangle 106-118 Station Road Redhill RH1 1PR Email: dataprotectionenquiries@axa-assistance co.uk Page 9(Our full data privacy notice is available at: hitos://www axapartners. com/enipage/en.privacy- i Altematively, a hard copy is available from us on request ‘There may be a charge for this service, as permitted by law. Any information which is found to be incorrect will be ‘corrected promptly. Information about you is only held for so long as itis appropriate for the above. We monitor and record phone calls to help maintain our ually standards and for security purposes. Please let us know if you think any information we hold about you is inaccurate, so that we can correct it. The information we hold about you is confidential. We will only ever disclose it to another party with your consent, or if the law requires us to disclose it. f your complaints related to data privacy, you have the right to refer it to the Information Damage Refund Insurance ‘Commissioner's Office. For further information, please visit womw.ico.ora.uk CUSTOMER SERVICES For CarTrawler customer services please contact +44 203, 740 9859. Page 10