InsureThat TLR
Sterling House Sitka Drive
Shrewsbury
Shropshire
SY2 6LG
Mr Ian Hogarth
8 Victoria Crescent Tel 0333 0444 701
Selkirk Email toyota.support@insurethat.com
Selkirkshire Web toyota.insurethat.com
TD7 5DE
21 January 2022
Your Policy – Reference Number : TF174023
Dear Mr Hogarth, Helpline & Claims
0333 0444 701
Thank you for choosing Toyota Financial Services for your GAP Insurance. You’re
now protected by insurer Aioi Nissay Dowa UK, and can be assured that in the Enclosed
event you find yourself in the position of your vehicle being written off, our
dedicated support team will endeavour to handle your claim as quickly and
efficiently as possible.
In the event that you need to make a claim on your GAP Insurance policy, please
call the claims line as soon as it’s apparent your vehicle will be written-off, and IPID
quote your unique reference, TF174023. Do not accept any settlement offer
from your main motor insurer until you have spoken with us.
This policy is designed to protect you, up to the policy claim limit, against the
financial shortfall associated with your motor insurance policy settling your
claim at an amount less than you paid for your vehicle. Certificate of Insurance
Enclosed you will find helpful information, your certificate of insurance and your
policy wording. If you have any queries, need to make any changes, or later sell
your vehicle please do not hesitate to contact us on our helpline, 0333 0444 701.
Once again, thank you for choosing Toyota Financial Services. We protect tens Your Policy Wording
of thousands of customers nationwide and we’re happy to welcome you too.
Yours sincerely,
Hayley Wall
Customer Care Manager, InsureThat
on behalf of Toyota Financial Services
Toyota Total Loss Asset Protection is underwritten by Aioi Nissay Dowa Insurance UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority, Financial Services Register number 816870. Aioi Nissay Dowa Insurance UK Limited is registered in England and Wales
(Company Number: 11105895), registered office: 52-56 Leadenhall Street, London, EC3A 2BJ.
Toyota Total Loss Asset Protection is administered by Nukula Limited T/A InsureThat who are Authorised and Regulated by the Financial Conduct Authority No. 616475. Nukula Limited is
registered in England and Wales (Company Number: 07646376), registered office: Sterling House, Sitka Drive, Shrewsbury Business Park, Shrewsbury, Shropshire, SY2 6LG
GAP Insurance
Insurance Product Information Document
Company: Aioi Nissay Dowa Insurance UK Limited
Aioi Nissay Dowa Insurance UK Limited, 7th Floor, 52-56 Leadenhall Street London, EC3A 2BJ. Registered in England and
Wales (11105895). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority No. 816870.
Product: Toyota Total Loss Asset Protection
The information provided in this document is a summary of the key features and exclusions of the policy and does not form part
of the contract between us. Complete pre-contractual and contractual information about the product is provided in your policy
document.
What is this type of insurance?
This Total Loss Asset Protection GAP Insurance Policy is designed to work alongside your comprehensive motor insurance to
cover the shortfall if your vehicle is declared a total loss (is “written off”).
What is insured? What is not insured?
You are insured for the greater Any claim that occurs when your vehicle is not covered
of either, a) the difference between under a comprehensive policy of motor insurance issued by
your vehicle’s value on the day of an insurer authorised in the United Kingdom.
total loss and the amount you paid Additional items that appear on your vehicle’s purchase
for the vehicle, or b) the difference invoice (including but not limited to paintwork protection
between your vehicle’s value on the and/or upholstery protection kits).
day of total loss and the Any discounts given by the supplying centre, government
outstanding balance payable to grants, scrappage schemes, or cash back.
your finance company at the date Any arrears (including but not limited to); late payment
of total loss. charges, loss/damage excesses or outstanding premiums
All Manufacturer factory fitted or any additional interest accrued during the finance
accessories agreement, or any secondary schedule(s) noted in the
All dealer fitted accessories (at finance agreement
point of sale) Any claim where your vehicle can be repaired but you
Finance Deposit Allowances request and obtain a cash settlement from your motor
All named drivers on your motor insurer or third party’s motor insurer.
insurance policy The contents of your vehicle.
Motor Insurance Excess VAT if your vehicle is registered to a business, used for
Contribution (up to a maximum of business purposes, or in connection with your occupation
£250) where you are VAT registered as self-employed.
Total Loss Expenses of £300 to help
cover extra expenditure associated
Are there any restrictions on cover?
with being without a vehicle
The maximum amount payable under this policy is equal to
If you have a finance agreement in
your vehicle’s invoice price.
place and this is still outstanding
Vehicles that cost more than £75,000.
after 36 months, this policy will
Vehicles not listed in Glass’s Guide.
provide additional coverage for a
Imported vehicles, or vehicles not built for sale in the
further 12 months at no extra cost.
United Kingdom.
If your vehicle is declared a total
The vehicle cannot be used for hire and reward, short-
loss in this period, this policy will
term self-drive or competition such as; rally; racing; track days;
cover the difference between your
speed testing; off-road; pace making or reliability trials.
vehicle’s value and the outstanding
The vehicle cannot be insured on any type of motor trade
balance payable to the finance
insurance policy or be on Contract Hire or Lease
company.
agreements.
IT-TFS-TLAP-IPID-30-201201
Where am I covered?
You’re covered in the United Kingdom; the Isle of Man; the Channel Islands; any member country of the
European Economic Area and Switzerland.
No claim will be paid if the total loss of your vehicle occurs anywhere else
What are my obligations?
• You must pay the insurance premium for the period of cover.
• You must be the registered keeper and/or owner of your vehicle.
• You must be a resident of (or in the case of a corporate body, be registered in) the United Kingdom for
the duration of this policy.
• You must provide the insurer and administrator with honest, accurate and complete information.
• You should call the administrator as soon as you are aware of the vehicle potentially being written off.
• You must provide copies of the invoice, motor insurance certificate and schedule, confirmation of the
insurance settlement figure and (if applicable) finance agreement and confirmation of outstanding
balance, in the event of a claim.
• You must notify the administrator, as soon as possible, of any changes to your circumstances, as these may
affect this insurance: This includes but is not limited to; changes of address or name, change of registration
number, change of use or ownership of the vehicle, if your motor insurance is cancelled, declined or
changed (for example, to third party only cover). You will then be advised of any change of terms.
When and how do I pay?
Your premium is payable on purchase of the cover, either in a single or monthly payment
When does the cover start and end?
You’re covered from the start date listed on your certificate of insurance until the earliest of the following;
• The end of the period of cover shown on your certificate of insurance, unless there is still an
outstanding balance due on your finance agreement in which case, either 48 months from the start
date listed on your certificate of insurance, or the date on which there is no longer any outstanding
balance due.
• The date on which a claim (excluding a claim for total loss assistance or motor insurance excess) is paid.
• The date this policy is cancelled.
• The date your vehicle is sold, repossessed, or transferred to another party who isn’t an immediate
Family member (i.e., parent; spouse; civil partner; son or daughter)
The policy must be purchased within 30 days of the date you take delivery of your vehicle.
How do I cancel the contract?
To cancel this contract, please contact the administrator Nukula Limited T/A InsureThat in one of the following ways;
• By email: toyota.support@insurethat.com
• By telephone: 0333 0444 701
• In writing: InsureThat, Stirling House, Sitka Drive, Shrewsbury Business Park, Shrewsbury, Shropshire, SY2 6LG
If you cancel within 30 days of receiving your policy documents, and have not made a claim, you will receive a refund
for any premiums paid. If you cancel any time after the first 30 days and have not made a claim, a refund of any
unused portion of the premium you’ve paid will be refunded to you, based on a pro-rata basis from the
date notification of cancellation is received by the administrator. In the case of the additional cover in months
37-48, you will not be entitled to any refund as this cover is provided to you free of charge.
IT-TFS-TLAP-IPID-30-201201
Underwritten by: Aioi Nissay Dowa Insurance UK
Limited
Registered Address: 7th Floor, 5256
Leadenhall Street London, EC3A 2BJ
Company Number: 11105895
Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the
Prudential Regulation
TOYOTA TOTAL LOSS ASSET PROTECTION Authority No. 816870.
Administered By: Nukula Limited T/A InsureThat
Sterling House, Sitka Drive, Shrewsbury Business Park,
Shrewsbury, Shropshire, SY2 6LG
CERTIFICATE OF INSURANCE
Certificate Number TF174023-506551
Dealer name Border Toyota St. Boswells
ABOUT YOU
Name: Mr Ian Hogarth
Address: 8 Victoria Crescent
Selkirk
Selkirkshire
Postcode: TD7 5DE
Email: ian.hogarth@hotmail.co.uk
YOUR VEHICLE
Registration Number: SM71CGX Finance Company: TFS
Make: Toyota Loan Term: 42 months
Model: Rav4 Amount Financed: £31094.00
Current Mileage: 10
First Registration Date: 21st Jan 2022
YOUR COVER
Start Date: 20th Jan 2022 Premium: £449.00
Period of cover: 36 months Maximum Benefit: £37094.00
If there is still an outstanding finance early settlement balance due at Accessories: Unlimited
the end of your period of cover, the policy will end at the end of your
loan term, up to a maximum of 48 months from the start date, or on
the date on which there is no longer any finance early settlement Finance Deposit Allowance: £3000.00
balance due, whichever is soonest.
For more details and a full list of conditions, exclusions and definitions, please refer to the policy Terms & Conditions.
IMPORTANT INFORMATION
This policy meets the demands and needs of those who wish to protect themselves against the financial impact of specified unforeseen
circumstances/events relating to the total loss of their vehicle. It is important that you read the policy Terms & Conditions carefully to make
sure they meet your personal circumstances. This agreement will come into force on the start date specified above and shall continue for
a period up to 36 months as defined in the period of cover. The parties to this contract of insurance are free to choose the law applicable
to it but the Insurers propose to choose English law unless they specifically agree to the contrary. The Insurance Premium Tax (IPT) payable
under this policy could be subject to change in accordance with UK Tax Legislation.
Toyota Total Loss Asset Protection is underwritten by Aioi Nissay Dowa Insurance UK Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority, Financial Services Register number 816870. Aioi Nissay Dowa Insurance UK Limited is registered in England and Wales
(Company Number: 11105895), registered office: 52-56 Leadenhall Street, London, EC3A 2BJ.
Toyota Total Loss Asset Protection is administered by Nukula Limited T/A InsureThat who are Authorised and Regulated by the Financial Conduct Authority No. 616475. Nukula Limited is
registered in England and Wales (Company Number: 07646376), registered office: Sterling House, Sitka Drive, Shrewsbury Business Park, Shrewsbury, Shropshire, SY2 6LG
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