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Insurance Product Information Document

Company: Able Insurance Services Limited Product: Temp Cover Insurance
Able Insurance Services Limited is registered in the UK and is authorised and regulated by the Financial Conduct Authority, Financial
Services Register reference number: 311649

This document summarises the key features of your insurance policy. It is not tailored to individual needs and so may not provide all the
information relevant to your cover requirements. Complete pre-contractual and contractual information is provided in other documents.
What is this type of insurance?
This policy provides cover against damage to the insured car or damage caused by the insured car, as summarised below.

What is insured? What is not insured?

The car: We will repair the insured car if it’s damaged due to an Wear and tear: We will not pay out for any damages due to
general wear and tear.
accident, fire, theft or if it is damaged maliciously. Our repairers
will collect it and return it to the registered keeper. Repairs are Licence: We will not pay a claim if you are driving without a
licence or not in accordance with your licence.
guaranteed for as long as the registered keeper owns the car.
Drink and drugs: You will not be covered if you are found to
If it is not economical to repair the insured car, or if it is stolen,
be unfit or over the legal limit due to drink or drugs or fail to
we will pay out a sum not exceeding the market value.
provide a specimen to the police when requested without
lawful reason.
Third party injury: We will pay any costs you’re legally Intentional or reckless damage: You will not be covered for
responsible for as a result of an accident in the insured car that damage or injuries caused intentionally or through reckless
injures or kills another person (including passengers). actions.
Incorrect use: You will not be covered if the car is used for
a purpose not shown in the ‘Permitted Use’ section of the
Third party property damage: If an accident involving the Certificate of Motor Insurance.
insured car causes damage to another person’s property, we’ll Mis-fuelling: We won’t replace any parts that are damaged
pay up to £20,000,000. due to putting the wrong fuel in the car.
Merchandise delivery: This policy does not provide cover for
Your injuries: If you are injured in a road traffic accident any driver to carry out the delivery of goods.
in your car and another driver is at fault, we’ll pay £5,000 Hire and reward: You will not be covered if your car is rented
for death or certain serious injuries to you. We will pay for out or used for payment (e.g. deliveries, taxiing).
emergency treatment fees as set out in the Road Traffic Act. Dual insurance: We will not pay a claim if any loss, damage
or liability covered under this policy is also covered under any
other insurance policy.
Audio-visual or electronic equipment: We will pay up to
£1,250 or the insured car’s market value, whichever is lower, for Modifications: We do not cover non-standard parts
unless they are manufacturers’ optional extras or disability
loss or damage to CD players, radios and satellite navigation
adaptations that you have declared to us.
systems, as long as they are permanently fitted to the car.
Racing: You will not be covered if the insured car is damaged
as a result of formal or informal racing.
Locks: In the event of the insured car’s keys being lost or
Unauthorised use: We won’t pay out if the insured car is
stolen from somewhere other than the car, we will pay up to taken without consent by someone who normally lives with
£300 towards the cost of replacing the locks. you as part of your household or who is your partner.
Personal belongings: This policy does not cover money,
Windscreens and glass: We will repair or replace the insured debit/credit cards, tickets, vouchers, documents, any property
car’s windscreen and/or glass windows if they break, subject to insured under another policy or any goods or samples carried
in relation to business. Property taken from an open or
an excess.
unlocked convertible car will also not be covered, unless the
property was locked in the boot or glove compartment.
Child equipment: We will replace damaged or stolen
Alternate Insurer: We will not pay out if the insured car does
children’s car seats or pushchairs. We will also provide up to
not have an alternate insurance in place or if the car is covered
£50 for children’s car accessories. by a fleet or motor trade main insurer.
Poor security: We will not provide cover if you leave your car
Personal belongings: If your personal belongings are unlocked or unsecured or where keys or other opening device
damaged or stolen and aren’t excluded under the “What is not have been left in the car.
insured?” section, we’ll pay you up to £150. Courtesy Car – We will not provide a courtesy car following
the car being involved in an incident.
Cyber Act/Incident: You won’t be covered if your vehicle is
affected by cyber act/incident which results in any damage,
loss or loss of, corruption or access to data.
Are there any restrictions on cover?
Excess: Should a claim arise then an excess is likely to apply. To see how you are affected by this, please view your policy documents.
Market Value: We will pay no more than the market value of the insured car at the time of the claim (less any excess).
Windscreen Damage: We will only pay up to £25 for each glass repair or £50 for each glass replacement after the deduction of your excess, if the
repair or replacement is not arranged via our glass repair helpline.
Total Loss: If the insured car cannot be repaired then we will pay a cash sum to replace the car

Where am I covered?
You are covered to drive in England, Scotland and Wales

What are my obligations?

- You must take reasonable care to answer our questions honestly, with accurate and complete information.

- You must inform us without delay if any information on your Motor Proposal Confirmation or Policy Schedule is incorrect or changes.

- You must respond to all requests for documentation or information, whether in regards to a claim or otherwise.

- If there is any incident or accident involving the insured car, you must notify us as soon as possible and within 48 hours. You must not admit that the
accident is your fault or attempt to negotiate a settlement without speaking to us first. Unless it is in the interest of safety, you should not drive the
insured car after an accident.

- You must report thefts, arson or malicious damage to the police and give us the crime reference number within 24 hours.

- You must tell us immediately if you’re charged with an offence or receive any notice of prosecution, inquest or fatal enquiry. You should also inform us
about any court documentation you receive and send us any summons or bill within 48 hours.

- This policy is governed by English Law; unless we have agreed otherwise all communication will be in English.

- You must protect the insured car from loss or damage and ensure it is kept in a roadworthy condition.

When and how do I pay?

You must pay the full price upon purchase with a debit or credit card or via PayPal Apple pay or Google pay.

When does the cover start and end?

Your cover will start and end at the times selected by you which will be detailed on the Certificate of Motor Insurance.

How do I cancel the contract?

The policyholder can cancel their cover through their Customer Account or by e-mailing support@veygo.com with their policy number.