Car Hire Policy Document
Car Hire Policy Document
Car Hire Policy Document
POLICY DOCUMENT
CONTENTS
Section Page(s)
1. Introduction 2-3
5. General Conditions 10 - 11
6. Making a Claim 11 - 12
10. Definitions 15 - 18
SECTION 1 - INTRODUCTION
About Your Insurance
Welcome to your Riverside Underwriting Limited Vehicle Hire Excess Policy Document.
This insurance is designed to reimburse the excess you must pay under the terms and conditions of a hire
agreement following an incident involving a hired vehicle. Depending on the policy you have purchased, It
may also provides additional benefits, such as:
• cover against the costs incurred as a result of you putting the wrong type of fuel into a hired vehicle;
• cover for replacing the locks and keys of a hired vehicle if the original keys are lost or stolen or you
unintentionally lock yourself out of the hired vehicle;
• Indemnity benefit against accidental death or permanent total dismemberment following an accident
involving the hired vehicle;
• Cover for replacing stolen personal effects from the hired vehicle;
• Cover against Loss of Use charges applied by the hire company which cannot be recovered following a
claim which is covered by this insurance;
• Cover for towing fees levied by the hire company associated with a loss under this policy;
• Provide a benefit if the hire agreement is cut short on the advice of a medical practitioner and there
being no other person authorised by the hire company to drive the hired vehicle;
• Cover against drop off charges imposed by the hire company in the event of there being no person
authorised to return the hired vehicle to the agreed drop off point following an accident/illness for which
hospitalisation takes place;
• Provide a benefit if you suffer a physical assault by another person which results in bodily injury as a
direct result of a road rage or car jacking incident that has involved your hired vehicle.
• cover against administration charges applied by a hire company which cannot be recovered following a
claim which is covered by this insurance; and
Please note that this insurance may not remove any requirement for you to pay a deposit or bond to a hire
company at the time of collecting a hired vehicle.
Please take time to read the “Important Information” section on pages 4 - 5 of this Policy Document. It
tells you about things you need to check and the actions you need to take. It also contains details of the
period of insurance.
This policy is administrated by Riverside Underwriting Limited who are authorised and regulated by the
Financial Conduct Authority (firm reference number 466942) for the sale and administration of general
insurance products in the United Kingdom and throughout the Members of the European Economic Area
(EEA).
This Policy is underwritten by certain Underwriters at Lloyd’s. If You need to contact the Underwriters,
please do so through Riverside Underwriting Limited.
In writing: Riverside Underwriting Limited, Third Floor, Riverside House, 40-46 High Street, Maidstone, ME14
1JH.
This is a policy that can be purchased as a daily or annual insurance policy. If purchasing a daily policy, the
policy start date and the period of insurance are shown on your Certificate of Insurance.
Some words and phrases in this Policy Document and on your Certificate of Insurance will always have the
same meaning wherever they appear. To make them easier to recognise when they are being used, they will
be shown in bold. They are all listed and explained in the “Definitions” section which can be found at the end
of this Policy Document.
All insurance documents and all communications with you about this policy will be in English. If You have any
disability that makes communication difficult, please tell Us and We will be happy to help.
Please contact the administrator if you need any documents to be made available in large print and/or in
audio format.
This Policy Document and your Certificate of Insurance are issued to you by Riverside Underwriting Limited
under contract reference B6839EW0142016. In exchange for your payment of the premium referenced in
your Certificate of Insurance, you are insured in accordance with the terms & conditions contained in these
documents (and any amendments made to them) for the duration of your policy.
It is important that:
• You check your Certificate of Insurance to ensure the details are correct and that the cover is as you
requested;
• You check that you are eligible for this insurance (see “Eligibility” below);
• You check that the information you have given us is accurate (see “Disclosure of Important
Information”);
• You notify the administrator as soon as possible of any inaccuracies on your Certificate of Insurance,
or if you are not eligible for the insurance; and
• You comply with any duties detailed under each section of the Policy Document and under the
insurance as a whole.
Conditions
There are conditions which apply to the whole of this insurance and full details of these can be found in
the “General Conditions” section on page 10 - 11 of this Policy Document. There are also conditions
which relate specifically to making a claim, and these can be found in the “Making a Claim” section on
page 11 - 12
In these sections you will find conditions that you need to meet. If you do not meet these conditions, we
may reject a claim payment or a claim payment could be reduced. In some circumstances, your policy
may be cancelled.
Period of Insurance
This Policy insures a single hire agreement up to 180 days in length. The period of insurance is stated on
your Certificate of Insurance and cover begins when you collect a hire vehicle from a hire company. Cover
ends on either the date you return the hire vehicle to the hire company, the end date shown on your
Certificate of Insurance or when a claim is made, whichever happens first. If you wish to extend the period
of insurance, you should contact insurance@doyouinsurance.com.
Please contact insurance@doyouinsurance.com as soon as possible if you are not eligible for this insurance
or if you have any queries.
If you become aware that any information you have given is incomplete or inaccurate, please contact the
administrator as soon as possible.
The most we will pay is €6,000 (or equivalent in local currency as stated on your Certificate of Insurance) for
any one claim and €6,000 (or equivalent in local currency as stated on your Certificate of Insurance) during
any one period of insurance.
The most we will pay is €3,000 (or equivalent in local currency as stated on your Certificate of Insurance) for
any one claim
Section E. Misfuelling
We will pay up to €500 (or equivalent in local currency as stated on your Certificate of Insurance) towards
the costs incurred as a result of you or any person named on your hire agreement putting the wrong type of
fuel into your hire vehicle. We will pay this amount towards:
Section G. Curtailment
We will provide a benefit if the Hire Agreement is cut short on the advice of a Medical Practitioner and there
being no other person authorised by the Hire Company to drive the Hired Vehicle. You must be confined to
a bed in a hospital, in a hotel or in private accommodation during such time that the Hire Agreement was
booked and paid for.
You must present a medical certificate or letter from the Medical Practitioner confirming the instruction not
to drive. The Vehicle Hire must be confirmed for a minimum of seven (7) days.
Limits
Total indemnity in respect of Curtailment shall be €30 per day up to €300 in the aggregate.
Limits
The maximum amount payable under this section is €300.
Limits
The maximum amount payable under this section is €100.
Exclusions
This insurance does not cover death or disablement directly or indirectly arising out of or consequent upon
or contributed to by: -
1. Radioactive contamination;
2. The Insured Person committing suicide or attempted suicide or committing or attempting to commit an
intentional self-injury;
3. The Insured Person being incapable due wholly or partly to mental illness or emotional or behavioural
conditions;
4. The Insured Person's deliberate exposure to exceptional danger (except in an attempt to save human life),
or the Insured Person's own criminal act;
5. The Insured Person being under the influence of alcohol exceeding those levels defined by law for the use
of a motor vehicle in the country in which the Insured Person is domiciled;
6. The Insured Person being under the influence of drugs or narcotics that are not lawfully available or which
have not been prescribed by or taken in accordance with the instructions of an independent qualified
medical practitioner;
7. The death of the Insured Person arising from Illness;
8. The Insured Person engaging in or taking part in naval, military or air force service or operations;
Limits
€300 in total for any one claim limited to €150 for any single item. The maximum payment for any single item
for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not
supplied is €75, subject to a maximum €200 for all such items. We will take off the following amounts for wear
and tear:
3. Cover is extended to additional drivers providing they are eligible to drive the hire vehicle under the
terms and conditions of the hire Agreement.
4. This policy and any optional extras must have been purchased prior to the commencement of the hire
agreement for which You wish this policy to be operative.
5. You may amend Your policy prior to the start of a hire agreement any additional premium that may be
charged is calculated as if the change was included at the inception of the policy.
6. Where there is dual insurance, please let us know, so that we pay our proportion of Your claim.
7. When purchasing a daily policy, the policy must coincide with the period shown on the hire agreement.
No policy can be issued retroactively.
Other Insurance
If, at the time of a valid claim under this policy, there is another insurance policy in force which covers you
for the same loss or expense, we may seek a recovery of some or all of our costs from the other insurer. You
must give us any help or information we may need to assist us with our loss recoveries.
To prevent fraud, insurers sometimes share information. Details about your insurance application and any
claim you make may be exchanged between insurers.
You can cancel your policy at any other time but there will be no refund.
Head of Operations
Riverside Underwriting Limited
Third Floor
Riverside House
Maidstone
Kent
United Kingdom
ME14 1JH
Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made.
Should you remain dissatisfied with the final response or if you have not received a final response within 8
(eight) weeks of the complaint being made, you may be eligible to refer your complaint to the Financial
Ombudsman Service in the United Kingdom. The contact details are as follows:
If you have purchased your contract online you may also make a complaint via the EU’s online dispute
resolution (ODR) platform. The website for the ODR platform is www.ec.europa.eu/odr.
The complaints handling arrangements above are without prejudice to your right to commence a legal
action or an alternative dispute resolution proceeding in accordance with your contractual rights.
SECTION 9 – LEGAL, REGULATORY & OTHER INFORMATION
Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from
the scheme if we are unable to meet our obligation to you under this contract. Further information can be
obtained from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St. Botolph
Street, London, EC3A 7QU. Tel: 0800 678 1100 (Freephone) or 020 7741 4100. Website: www.fscs.org.uk
Who we are
We are Certain Underwriters at Lloyd’s. identified in the contract of insurance and/or in the certificate of
insurance.
The basics
We collect and use relevant information about you to provide you with your insurance cover or the
insurance cover that benefits you and to meet our legal obligations.
This information includes details such as your name, address and contact details and any other information
that we collect about you in connection with the insurance cover from which you benefit. This information
may include more sensitive details such as information about your health and any criminal convictions you
may have.
In certain circumstances, we will need your consent to process certain categories of information about you
(including sensitive details such as information about your health and any criminal convictions you may
have). Where we need your consent, we will ask you for it separately. You do not have to give your consent
and you may withdraw your consent at any time by sending an e-mail to data.protection@lloyds.com
(without however affecting the lawfulness of processing based on consent prior to its withdrawal). However,
if you do not give your consent, or you withdraw your consent, this may affect our ability to provide the
insurance cover from which you benefit and may prevent us from providing cover for you or handling your
claims.
Head of Operations
Riverside Underwriting Limited
Third Floor
Riverside House
Maidstone
Kent
United Kingdom
ME14 1JH
For Your information, the Contracts (Rights of Third Parties) Act 1999 allows a person who is not a party to a
contract to be able to enforce that contract if the contract expressly allows him to or if the contract confers a
benefit upon him. However the Act will not be applied if the parties make it clear in the contract that the
third party does not have the right to enforce it. For further guidance please see www.legislation.gov.uk or
contact the Citizens Advice Bureau.
Sanctions
We shall not provide any benefit under this contract of insurance to the extent of providing cover, payment
of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or
restriction imposed by law or regulation.
Several Liability
The subscribing insurers' obligations under contracts of insurance to which they subscribe are several and
not joint and are limited solely to the extent of their individual subscriptions. The subscribing insurers are
not responsible for the subscription of any co-subscribing insurer who for any reason does not satisfy all or
part of its obligations.
The Insurers
This insurance is underwritten by Lloyd’s Syndicate 4444, which is managed by Canopius Managing Agents
Limited. Registered Office: Canopius Managing Agents Limited, Gallery 9, One Lime Street, London, EC3M
7HA. Registered in England no. 01514453.
Regulatory Details
Canopius Managing Agents Limited is authorised by the Prudential Regulation Authority and regulated by
the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference: 204847.
The administrator, Riverside Underwriting Limited, is authorised and regulated by the Financial Conduct
Authority. Firm Reference: 466942.
This insurance contract is transacted with certain underwriters at Lloyd's, registered at 1 Lime Street,
London, EC3M 7HA, United Kingdom. Lloyd's is a society of underwriting members incorporated by statute.
The insurer will be the member(s) of the Lloyd's syndicates stated below:
Canopius Syndicate 4444
SECTION 10 – DEFINITIONS
Whenever the following words or expressions appear in bold in this Policy Document, they have the meaning
given below.
“Additional travel expenses” – Any additional travel costs you incur in connection with a loss under the
relevant section of this policy.
“Auto glass” – any glass that forms part of the hired vehicle and includes windscreens, windows, internals
and externals lights and sunroof.
“Administration charges” - Charges made by the hire company that cannot be recovered following an
incident covered by this insurance. This includes charges applied by the hire company for loss of use.
“Administrator” - The company who administers this insurance. This is Riverside Underwriting,
Third Floor, Riverside House, 40-46 High Street, Maidstone, ME14 1JH United Kingdom.
“Car” – A motor vehicle which is contracted for the carriage of passengers and their effects and is adapted to
carry no more than nine passengers.
“Car Club Member” - A member of the Car Club Company. This policy covers “Joint Member” and/or
“Partner Member” that reside at the same main residence.
“Certificate of Insurance” - The document that names you as the policyholder and sets out what this policy
covers you for. Your Certificate of Insurance will be replaced whenever you make any changes to the policy.
“Country of Residence” - The country where you are ordinarily permanently resident, pay tax or are
registered with a Medical Practitioner.
“Europe” – countries which are members of the EEA: Austria, Belgium, Bulgaria, Cyprus, Croatia, Czech
Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy,
Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania,
Slovakia, Slovenia, Spain, Sweden and the United Kingdom. And countries to the west of the Ural Mountains,
including, islands in the Mediterranean, Morocco, Tunisia, Turkey, Canary Islands, Madeira, and the Azores.
“Excess” - The amount you must pay under the terms of your hire agreement following an incident involving
a hired vehicle.
"Hire agreement" - The contract between you and a hire company which allows you to hire a vehicle. It will
include details about you, the hired vehicle and terms and conditions of the hire.
“Hire company” - The company who is hiring you the hired vehicle, which must be licensed to provide
vehicles for hire in the territory in which it is situated.
"Hired vehicle" - The vehicle hired by you under a hire agreement on a daily or weekly basis from a hire
company.
“Lead Driver” – The person whose name is listed on the hire agreement as contractually responsible for the
hired vehicle.
“Loss Damage Waiver” - Damage to the hired vehicle auto glass, tyres and wheel rims.
“Loss of use” - A charge applied by a hire company if a hire vehicle is not available for hire following an
incident covered by this insurance. For the purpose of this insurance, any payment we make will be based on
the price that you paid when you rented the vehicle.
“Period of insurance” - The period for which this insurance is valid, as stated on your Certificate of
Insurance.
“Personal Money” – bank notes, currency notes and coins in current use, traveller’s and other cheques, postal
or money orders, pre-paid cards, coupons or vouchers, travel tickets, event and entertainment tickets, phone
cards and credit/debit cards all held for private and/or business purposes.
“Public road” - Any road which is available for use by the general public, including toll roads.
“Start date” - The date that the insurance cover commences, as shown on your Certificate of Insurance and
on your hire agreement.
“Towing” – Recover of the hired vehicle following an accident, theft, malicious damage, fire or mechanical
breakdown to the nearest premises owned by the hire company or the original pick up location whichever is
closest.
“UK” – England, Wales, Scotland, Northern Ireland, Channel Islands and the Isle of Man.
“Undercarriage” – The underside of the vehicle excluding bumpers, trim, tyres and wheel rims.
“Valuables” – Jewellery, gold, silver, precious metal or precious or semiprecious stone articles, watches, furs,
cameras, camcorders, photographic audio video computer television and telecommunications equipment
(including CD’s, DVD’s, tapes, films, cassettes, cartridges, memory cards, speakers and headphones), computer
games and associated equipment, telescopes and binoculars.
“Unsealed public road” - A public road which is not sealed with a material such as tarmac, bitumen or
concrete, for example, a gravel road.
“You, your” - The individual specified on the Certificate of Insurance who is named as the lead driver on the
Hire agreement plus any eligible person(s) authorised by the vehicle hire agreement to drive the hired
vehicle. The person signing the Hire Agreement must be the policyholder.
“Worldwide” – Anywhere in the world apart from Cuba, Iran, North Korea, Regions of Crimea, Sudan and
Syria. No cover is provided for claims arising as a direct result of a situation highlighted by the Foreign and
Commonwealth Office where you have hired a car in a specific country or area where, prior to the car rental
agreement commencing, the Foreign and Commonwealth Office has advised against all (but essential) travel.
Permanent Disablement
Total loss of sight of both eyes 100%
Total incurable insanity 100%
Loss of both arms or both hands 100%
Complete deafness of both ears, of traumatic origin 50%
Removal of lower jaw 50%
Loss of speech 50%
Loss of one arm and one leg 100%
Loss of one arm and one foot 100%
Loss of one hand and one foot 100%
Loss of one hand and one leg 100%
Loss of both legs 100%
Loss of both feet 100%
Permanent Disablement – Head
Loss of one eye 40%
Permanent Disablement - Upper Limb Right Left
Loss of one arm or one hand 50% 40%
Considerable loss of osseous substance of the arm (definite and incurable lesion) 30% 20%
Total paralysis of the upper limb (incurable lesion of the nerves) 45% 35%
Simultaneous amputation of thumb and Forefinger 25% 25%
Permanent Disablement - Lower Limbs
Amputation of thigh (upper half) 60%
Amputation of thigh (lower half) and leg 50%
Total loss of foot (tibio-tarsal disarticulation) 35%
Partial loss of foot (sub-ankle-bone disarticulation) 25%
Total paralysis of lower limb (incurable nerve lesion) 60%
Complete paralysis of two nerves (poplitic sciatic external and internal) 25%
Anchylosis of the hip 25%
Loss of osseous substance from the thigh or both bones of the leg (incurable condition) 35%
Loss of osseous substance of the knee-pan with considerable separation of the fragments 25%
and considerable difficulty of movements in stretching the leg
Shortening of the lower limb by at least 5 cm 30%
Permanent disabilities not mentioned above should be compensated in accordance with their seriousness as
compared with that of those mentioned, the occupation of the Insured Person not being taken into
consideration.
The partial or total “functional” disablement, not specifically dealt with in the Schedule of Permanent
Disabilities, of a limb or an organ is treated like the partial or total loss of the said limb or organ.
The total compensation payable in respect of several disablements due to the same accident, is arrived at by
adding together the various sums, but shall not exceed the total sum insured.
If the Insured Person is left-handed the percentage set out above for the various disabilities of the right
upper limb and left upper limb will be transposed.