KEYPROTECTIONINSURANCE

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M.I.S.ClaimsClaimsMOTORISTS INSURANCE SERVICES

M.I.S.ClaimsClaimsMOTORISTS INSURANCE SERVICES

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INTRODUCTION - MISKEY PROTECTION

INSURANCEYour Key Protection Insurance is arranged by Motorists Insurance Services Ltd with UK General Insurance Limited on behalf of Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.

Motorists Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority.

UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. Firm Reference No. 310101. You can check our details on the Financial Services Register https://register.fca.org.uk/.

Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available on request.

IMPORTANT INFORMATIONThis is a contract of insurance between you and Great Lakes Insurance SE. The insurance provided covers certain costs and expenses, subject to the terms, limit of indemnity, exclusions and conditions contained herein, in respect of any insured event which occurs within the territorial limits and during the period of insurance for which you have paid or agreed to pay the premium.

Definitions

The words or expressions detailed below have the following meaning wherever they appear in this policy and will appear in bold.

Administrator

MIS ClaimsBeechwood House37 Comber RoadBelfastBT16 2SATelephone: 028 90 410220Email: claims@misclaims.com

Home

The private dwelling located within the United Kingdom, and shown on your policy schedule.

Insured Event

The accidental loss or theft of, or accidental damage to any insured key(s). Excluding general wear and tear

Insured Key(s)

A key to any external door to your home, or vehicle including electronic key fobs and immobiliser keys.

Insurer / We / Us / Our

UK General Insurance Limited on behalf of Great Lakes Insurance SE.

Limit of Indemnity

£1,500 being the maiximum amount payable in total in each period of insurance.

Period of Insurance

12 months from the start date of this policy as shown on your policy schedule. The benefits under this key protection insurance policy shallcommence 14 days from purchase and terminate at the expiry of theinsurance policy

have elapsed since the loss (unless the administrator is satisfied that a delay would cause undue hardship or significant expense);• insured keys lost or broken by, or stolen from, someone other than you;• insured keys if you have access to duplicate keys;• any insured event not reported to the administrator within 30 days of the accidental loss, theft or accidental damage;• any event where there is no discernable damage to the key;• locks which are damaged prior to the accidental loss, theft or accidental damages of insured keys;• replacement locks or keys of a higher standard or specification than those replaced;• sums exceeding £50 per incident in respect of any insured key(s) locked inside a property or broken in a lock or ignition;• vehicle hire charges where a hire vehicle exceeds 1600cc;• the balance of vehicle hire charged over a maximum sum of £30 per day;• vehicle hire charges after the third day of hire;• charges or costs incurred where the administrator arranges for the attendance of a locksmith or other tradesman, agent or representative at a particular location and you fail to attend;• charges or costs incurred where you make alternative arrangements with a third party after the administrator has arranged for a locksmith or other tradesman, agent or representative to attend a particular location;• the balance of transport costs over a maximum sum of £75 per day;• loss or destruction of, or damage to, any property other than an insured key and its associated lock or ignition system, and any immobiliser, infra-red handset and/or alarm attached to the insured key;• Any direct or indirect consequence of: Irradiation, or contamination by nuclear material; or The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter; or Any device or weapon which employs atomic or nuclear fission or fusion or other comparable reaction or radioactive force or matter.

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Policy Schedule

The document issued to you which details your name, home address and vehicle.

Territorial Limits

The Republic of Ireland and the UK.

Vehicle

A car or motorcycle registered in your name.

You / Your

The person named on the policy schedule along with any immediate family member residing in your home during the period of insurance.

This policy will cover:

If, during the period of insurance and within the territorial limits, an insured key is accidentally lost, damaged or stolen, the administrator will:

• Pay up to £1500 in respect of locksmiths charges, new locks (if a security risk has arisen) and replacement keys (including any immobiliser, infra-red handset and/or alarm which is integral to any insured key if it cannot be repaired or re-programmed), car hire (Approved by MIS Claims in advance) and onward transport costs (up to a maximum of £75 per day) and the re-programming of immobilisers, infra-red handsets and alarms which are attached to the insured key(s) at the time of the insured event but are not integral to an insured key;• Pay a £10 reward to the finder of a lost insured key;• Provide an emergency helpline 24 hours a day, 365 days a year.

This policy will not cover:

We will not indemnify you in respect of:

• any amount which exceeds £1,500 in total in any one period of insurance;• sums claimed where you do not produce receipts or invoices for payments you have made;• insured keys which are lost until 3 days

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• Any direct or indirect consequence of war, civil war, invasion, acts of foreign enemies (whether war be declared or not), rebellion, revolution, insurrection, military or usurped power, or confiscation, nationalisation, requisition, destruction of or damage to property by or under the order of any government, local or public authority.• any direct or indirect consequence of terrorism as defined by the Terrorism Act 2000 and any amending or substituting legislation;• any loss of earnings or profits which you suffer as a result of the accidental loss, theft, or accidental damage to an insured key;• claims arising from any deliberate or criminal act or omission by you;• accidental loss, theft of, or accidental damage to an insured key which occurs outside the period of insurance;• any claim where the insured keys are stolen and the theft has not been reported to the PSNI and a Crime reference number obtained;• claims arising as a result of your failure to take steps to safeguard an insured key;• keys not attached to the supplied MIS key fob;• any keys relating to a Commercial Property;• any loss that occurs within 14 days from the inception of the policy;• any consequence, howsoever caused, including but not limited to Computer Virus in Electronic Data being lost, destroyed, distorted, altered, or otherwise corrupted. For the purposes of this Policy, Electronic Data shall mean facts, concepts and information stored to form useable data for communications, interpretations, or processing by electronic or electromechanical data processing or other electronically controlled hardware, software and other coded instructions for the processing and manipulation of data, or the direction and manipulation of such hardware. For the purposes of this Policy, Computer Virus shall mean a set of corrupting, harmful, or otherwise unauthorised instructions or code, whether these have been introduced maliciously or otherwise, and multiply themselves through a computer system or network of whatsoever nature.

General Conditions

Compliance and Precautions

You must comply with each and every term of this policy and must take precautions to minimise the cost of any claim.

Cancellation

If you decide that for any reason, this Policy does not meet your insurance needs then please return it to the administrator within 14 days of issues. On the condition that no claims have been made or are pending, we will then refund your premium in full.

Thereafter you may cancel the insurance cover at any time by informing the administrator however no refund of premium will be payable.

The insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by sending 14 days notice to you at your last known address.

Valid reasons may include but are not limited to:• Where We reasonably suspect fraud• Non-payment of premium• Threatening and abusive behaviour• Non-compliance with policy terms and conditions• You have not taken reasonable care to provide accurate and complete answers to the questions Your agent asked.

If We cancel the policy and/or any additional covers You will receive a refund of any premiums You have paid for the cancelled cover, less a proportionate deduction for the time We have provided cover.

Where Our investigations provide evidence of fraud or misrepresentation, We may cancel the policy immediately and backdate the cancellation to the date of the fraud or the date when You provided Us with incomplete or inaccurate information. This may result in Your policy being cancelled from the date You originally took it out and We will be entitled to keep the premium.

If Your policy is cancelled because of fraud or misrepresentation, this may affect Your eligibility

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for insurance with Us, as well as other insurers, in the future.

Consumer Insurance (Disclosures and Representatives) Act 2012

You are required by the provisions of the Consumer Insurance (Disclosure and Representations) act to take care to:a) supply accurate and complete answers to all the questions we or the administrator may ask as part of your application for cover under the Policy;b) to make sure that all information supplied as part of your application for cover is true and correct;c) tell us of any changes to the answers you have given as soon as possible.

You must take reasonable care to provide information that is accurate and complete answers to the questions Your agent asks when You take out, make changes to and renew Your policy. If any information You provide is not accurate and complete, this may mean Your policy is invalid and that it does not operate in the event of a claim or We may not pay any claim in full.

If You become aware that information You have given Your agent is inaccurate or has changed, You must inform Your agent as soon as possible.

Terminology

The terminology used in this Policy is that of England and Wales but shall, where appropriate, mean the equivalent terminology of any relevant jurisdiction within the territorial limits.

Communications

All communications from the insurer or our representatives shall be deemed duly sent if sent by the administrator or their representatives to your last known address, or the address of your representative if relevant.

All communications sent by you to the insurer or our representatives shall be deemed duly sent if sent to the administrator.

Presentation of Claims

You must notify the administrator as soon as reasonably possible of any insured event which may give rise to a claim, complete any forms requested by the administrator and promptly supply such information as the administrator or our agents require.

Auto Key Replacement

In the event you lose the Insured keys to your vehicle and you do not have a duplicate key, a new key will be provided and the vehicle’s locks will be re-programmed for this key only. This safety precaution will safeguard your vehicle and render all other keys obsolete.

Assignment

This policy may not be assigned in whole or in part without the written consent of the administrator.

Maximum Number of Claims

There is no limit to the number of separate claims which you may make within the period of insurance subject to the fact that the total sum which the administrator will pay in each period of insurance is £1,500.

Governing Law

Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which your main residence is situated.

Fraud

You must not act in a fraudulent way. If You or anyone acting for you:• fails to reveal or hides a fact likely to influence whether We accept Your proposal, Your renewal, or any adjustment to Your policy;• fails to reveal or hides a fact likely to influence the cover We provide;• makes a statement to us or anyone acting on our behalf, knowing the statement to be

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false;• sends us or anyone acting on our behalf a document, knowing the document to be forged or false;• makes a claim under the policy, knowing the claim to be false or fraudulent in any way;• makes a claim for any loss or damage You caused deliberately or with Your knowledge; or• If Your claim is in any way dishonest or exaggerated,

We will not pay any benefit under this policy or return any premium to You and We may cancel Your policy immediately and backdate the cancellation to the date of the fraudulent claim. We may also take legal action against You and inform the appropriate authorities.

Arbitration / Mediation

A dispute between You and us may arise, which may be referred to an arbitrator, who shall be either a solicitor or a barrister who You and We agree on in writing. If an arbitrator cannot be agreed then an arbitrator will be appointed by the authorised body identified in the current arbitration legislation. The decision of the arbitration shall be final and binding on both parties and he or she will decide who should pay the costs of the arbitration. If costs are awarded against you, they are not covered under this policy. This arbitration condition does not affect Your rights to take separate legal action.

If a disputed claim is not referred to arbitration within 12 months of Your claim being turned down, We will treat the claim as abandoned.

Making a Claim

To make a claim please call 028 90 410220.

You must report any claim within 30 days of the insured event.

UK General Insurance Ltd is an insurer’s agent and in matters of a claim act on behalf of the insurer.

Complaints Procedure

It is our intention to give you the best possible service but if you do have any questions or

concerns about this insurance or the handling of a claim you should follow the complaints procedure below. Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.

Complaints regarding:

Sale of the Policy

Please contact the administrator who arranged the insurance on your behalf.

MIS ClaimsBeechwood House37 Comber RoadBelfastBT16 2SATelephone: 028 90 410220

Claims Complaints

Complaints should be addressed to:

Managing DirectorMIS ClaimsBeechwood House37 Comber RoadBelfast BT16 2SATelephone: 028 90 410220Email: claims@misclaims.com

If your complaint cannot be resolved by the end of the third working day, the administrator will pass it to:

Customer Relations DepartmentUK General Insurance LimitedCast HouseOld Mill Business ParkGibraltarLeedsLS19 1RJTel: 0345 218 2685Email: customerrelations@ukgeneral.co.uk

In all correspondence please state that your insurance is provided by UK General Insurance Limited and quote the scheme reference number 06025.

If it is not possible to reach an agreement, you have the right to make an appeal to the

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Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than €2 million and fewer than 10 staff. You may contact the Financial Ombudsman Service at:

The Financial Ombudsman ServiceExchange TowerHarbour Exchange SquareLondonE14 9SREmail:complaint.info@financial-ombudsman.org.uk

The above complaints procedure is in addition to your statutory rights as a customer. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.

Compensation Scheme

Great Lakes Insurance SE is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if Great Lakes Insurance SE cannot meet it’s financial responsibilities the FSCS will meet 90% of your claim, without any upper limit. You can obtain further information about compensation scheme arrangements from the FSCS by visitingwww.fscs.org.uk.

Data Protection Act 1998

Please note that any information provided to us will be processed by us and our agents in compliance with the provision of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area. This may involve the transfer of your information to countries which do not have Data Protection laws.

Any personal information provided by you may be held by the insurer in relation to your insurance cover. It may be used by our relevant staff in making a decision concerning your insurance and for the purposes of

servicing your cover and administering claims. Information may be passed to loss adjusters, solicitors, reinsurers or other service providers for these purposes. We may obtain information about you from credit reference agencies, fraud prevention agencies and others to check your credit status and identity. The agencies will record our enquiries which may be seen by other companies who make their credit enquiries. We will check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this.

We and other organisations may use these records to:

a) Help make decisions on insurance proposals and insurance claim, for you and members of your householdb) Trace debtors, recover debt, prevent fraud, and manage your insurance policiesc) Check your identity to prevent money laundering, unless you furnish us with satisfactory proof of identity.

Under Data Protection legislation, you can ask us in writing for a copy of certain personal records held about you. A charge will be made for this service.

MIS/U

K/KEY/0218