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Welcome to Norwich Union Direct

Now that you’ve chosen us for your car insurance, you can be sure that we’ll

be there for you whenever you need us: 24 hours a day, 365 days a year.

We pride ourselves on our claims service. If it’s 3am, pouring with rain, your car

has been stolen or has been in an accident and you’re miles away from home,

all you want is help as quickly as possible.

If you’ve had an accident

Depending on your cover, we can arrange for

your car to be recovered and you and your

passengers taken home or to your destination

safely. You don‘t need to worry about estimates

as we have our own approved repairer network

and will instruct them within an hour of you

telling us that your car needs repairing. We will

also authorise repairs and settle payments direct

with the repairer and all repairs are guaranteed

for three years.

If you are making a claim

An Incident Manager will record details of the

incident and will start sorting out your problem

immediately. There are no forms to fill in.

The Incident Manager will confirm:

whether your policy covers you for the incident;

what you will have to pay; and

all the steps involved in your claim

being settled.

It’s our problem now

What does your car insurance include? Our promise

Please check your policy schedule which

gives you full details of the cover you have

chosen. If you have any questions or would

like to make any changes or additions to

your cover, please call us on:

Helpline card

For easy access to our

claims and customer

services helpline numbers,

please remove the card

and keep it in your

wallet or purse.

To give you quality cover at a

competitive price.

To make sure that our people are

professional, pleasant and helpful.

To deal with your claim or any enquiry

speedily and efficiently.

To send you simple, easy-to-understand

information.

Not to pressure you to buy any of our

services you do not want.

Monday to Friday 8am - 10pm,

Saturday 8am - 6pm, Sunday 10am - 4pm,

including bank holidays.

Opening Hours: Monday to Friday 8am -

Guide to your Norwich Union Direct

motor policy

This policy is a contract of insurance between

you, the policyholder, and us, Norwich Union.

This policy booklet, the information you have

provided and the schedule form the contract

of insurance between you, the policyholder,

and us, Norwich Union.

In return for your premium, we will provide

the cover shown in the schedule for accident,

injury, loss or damage that happens within the

territorial limits during the period of insurance.

The law of England and Wales will apply to this

contract unless:

you and the Insurer agree otherwise;

or

at the date of the contract, you are a

resident of (or, in the case of a business,

the registered office or principal place

of business is situated in) Scotland,

Northern Ireland, Channel Islands or the

Isle of Man, in which case (in the absence

of agreement to the contrary) the law of

that country will apply.

This policy booklet forms part of your legal contract with us and explains exactly what you

are covered for. Your schedule shows the level of cover you have chosen.

Your Norwich Union Direct

motor policy

The contract of insurance Choice of law

You have the right to cancel your policy during a period of 14 days after the day of the purchase of

the contract or the day on which you receive your policy documentation, whichever is later.

If you wish to do so and the insurance cover has not yet commenced, you will be entitled to a full

refund of the premium paid.

Alternatively, if you wish to do so and the insurance cover has already commenced, you will be

entitled to a refund of the premium paid subject to a deduction for the time for which you have

been covered. This will be calculated on a pro-rata basis for the period in which you received cover

and will include an additional charge of up to £30.45 (inclusive of Insurance Premium Tax where

applicable) to cover the administrative cost of providing the policy.

To exercise your right to cancel, please contact Norwich Union Direct on 0800 068 3661.

If you do not exercise your right to cancel your policy, it will continue in force and you will be

required to pay the premium.

Your cancellation rights

6

Definitions

Wherever the following words or phrases

appear, they will have the meanings

described below.

You

The policyholder named in the schedule.

We, us

Norwich Union Insurance Limited (unless

otherwise stated in any policy section).

Your partner

The partner or husband or wife of the

policyholder, living at the same address as

the policyholder and sharing financial

responsibilities. This does not include any

business partners or associates.

Your car

Any vehicle described in the schedule which is

kept at an address within the territorial limits.

Any other vehicle for which you have a valid

Norwich Union Direct certificate of motor

insurance showing the registration mark of

that vehicle, as long as you keep it at an

address within the territorial limits.

Any vehicle loaned to you, or to a permitted

driver shown on your Norwich Union Direct

certificate of motor insurance, by a supplier we

have nominated following a claim under the

policy. (Please check your policy schedule to see

if you have courtesy car or hire car cover).

Any vehicle loaned to you for up to seven days

by a garage, motor engineer or vehicle repairer

while the vehicle described on your policy

schedule is being serviced or repaired, or having

an MOT test.

Schedule

The document which gives details of the cover

you have.

7

Norwich Union Direct

Certificate of motor insurance

The current document that proves you have

the motor insurance you need by law. The

certificate shows who can drive your car, what

you can use it for and whether you are allowed

to drive:

a other cars;

b a loaned vehicle from a garage during a

service, repair or MOT, for up to seven days;

c a loaned vehicle from our nominated

supplier following a claim under the policy.

It is proof that you can use your car on a road

or in any other public place, as required by the

Road Traffic Acts.

The certificate does not show the cover you have.

The period of insurance

The period of time covered by this policy, as

shown in the schedule, and any further period

that we agree to insure you for.

Market value

The cost of replacing your car with one of a

similar type and condition.

Excess

The amount you will have to pay towards

any claim.

Territorial limits

Great Britain, the Isle of Man, the Channel

Islands (and the Republic of Ireland and

Northern Ireland for holiday purposes only).

Accessories

Parts of your car which are not directly related

to how it works as a vehicle. This includes

in-car entertainment, such as radios, and

communication equipment which form part of

your car, as well as portable phones while they

are connected to a power source in your car.

Endorsement

Changes in the terms of your policy. These are

shown in your schedule.

Green Card

A document that you will need in certain

countries that are not members of the

European Union to prove that you have the

minimum insurance cover needed by law to

drive in those countries.

Road Traffic Acts

Any acts, laws or regulations, which govern the

driving or use of any motor vehicle in Great

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