/ESEMRSH/0423LIVE/VEEVCH48

The Equinox, 19 Cadogan Street

Car Insurance Schedule Glasgow, G2 6QQ

What you need to do now

Please check this document carefully. It contains all the information you provided to us. You are required to take
reasonable care that this information is true and complete. If the information is wrong, incomplete or changes
during the year, call us immediately on 0345 603 7879 and tell us the changes. Otherwise, we may reject or
reduce any claim you make or even treat you as being uninsured. Details of the changes you need to tell us about
can be found in the Policy Booklet under 'General conditions which apply to Sections 1 to 7'. These are examples
and the list is not exhaustive.

Policy number 89386128 Date of issue 05/04/2023

Policyholder details
Name Mr S Veevers
Address 141a, Banks Road, West Kirby, Wirral, Merseyside CH48 3HS
Date of birth 09/07/1991
Occupation Graphic Designer
Children <16 at address N
Residential status Other
Cars in Household 1
Access to other vehicle No

Premium details
Does the policy auto-renew?
Yes
(please refer to section about auto-renewal further down)
Motor premium after deducting 4 years No Claim Discount £393.90
No Claim Discount protection* Not Taken
(see information about NCD below)
Optional extras
Motoring Legal Protection Not Taken
Personal Injury Beneft Not Taken
Car Hire Beneft Not Taken
Key Cover Not Taken
Misfuelling Cover Not Taken
Excess Protection No Longer Available
Breakdown Assistance Not Taken
Total annual premium (includes Insurance Premium Tax where applicable) £393.9
Charge for credit (APR = 28.88%) £47.66

Total amount payable £441.56

Paying by monthly Direct Debit instalments costs more than making a one-of annual payment as you'll be
charged interest (see 'Charge for credit' above). As paying by direct debit is a lending decision, a hard credit search
will be performed and will remain on your credit report for 12 months, allowing us to report your monthly payment
history to our Credit Reference Agency. It will appear as Insurance on your credit report. A hard credit search won’t
be applied if the policy is paid upfront in full.

*The cost of Protected No Claim Discount is shown above. The total price of your policy is subject to minimum
premium levels and in certain circumstances adding or removing Protected No Claim Discount cover may not
change the overall price you pay.

If you have bought Breakdown Assistance, you won't receive separate documents. The Optional Extras Booklet
contains details of the cover.

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Car details
Make, model and engine size VAUXHALL CORSA EXCITE A/C VVT 90 1398
Registration mark MM64DUH
Transmission and fuel Manual Petrol
Estimated annual mileage 0 - 1000
Car value Market Value
Years car owned for 4
Postcode where car kept CH48 3HS
Overnight location Road Outside Residence
Legal owner Policyholder
Registered keeper Policyholder
Any security device? Yes
Subscribed Tracker ftted? No
Any modifcations to the manufacturer’s original
Yes
specifcation, eg to wheels, suspension, bodywork or engine?

Cover details
Period of cover 03/05/2023 (12:01 hours) to 03/05/2024 (12:00 hours, midday)
Type of cover Comprehensive
Use Use for social, domestic and pleasure purposes only
This policy does not cover use for commercial travelling, any purpose in connection with
the motor trade, for hire or reward or for racing, pacemaking, speed testing, rallies, trials or
competitions.
Driving restriction Insured & 2 Named
Driving other cars Yes - extends to policyholder only
The policyholder may also drive a car that is not owned by them, or hired or leased to them under a hire purchase
or leasing arrangement providing they have permission to drive the car.
Cover is only in force if:
- The car is insured by the owner
- It is being driven in the UK, the Isle of Man or the Channel Islands
- You still have your car and it has not been sold, written of or damaged beyond cost efective repair.
The cover is limited to Third Party only. Please refer to the Policy Booklet, Renewal Updates, and Certifcate of
Motor Insurance for limitations of cover

Sections of the Policy Booklet(s) that apply 1, 2, 3, 4, 5, 6, 7

Endorsements in the Policy Booklet that apply None
Excesses
Voluntary vehicle damage £350
Fire £100
Theft £250
Windscreen repair £15
Windscreen replacement £100
Compulsory vehicle damage £0
Repair work by your own repairer £200
Please note that the vehicle damage excesses listed below are cumulative:
Driver specifc vehicle damage
Sam Veevers £0
Michael Veevers £0
Deborah Veevers £0
If you have bought Excess Protection, it will cover the total of all the excesses on your policy which apply to the
claim, with the exception of the windscreen excesses. The excess charged for using your own repairer will also
be waived.
The most we will pay is the combined total of the excesses for the main driver.

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Policy limits
Sections 2 and 3 Car audio equipment £1,000
Section 3 Stolen car keys £500
Section 5 Personal accident per person £5,000
per period of cover £10,000
Medical expenses £300
Personal belongings £200

Personal details of all the drivers

Driver; Sex Date of birth; No Occupation; Licence type; Medical conditions

of years
Secondary Years held;
permanently
occupation
resident in the UK Restrictions
Sam Veevers; 09/07/1991; Graphic Full UK licence; None disclosed
Designer;
Male 31 Held 4 Years;
(Main driver) No Restrictions
Michael 16/11/1960; Housewife / Full UK licence; None disclosed
Veevers; husband;
62 Held 15 Years or
Male more;
No Restrictions
Deborah 27/12/1963; Civil Servant; Full UK licence; None disclosed
Veevers;
59 Held 15 Years or
Female more;
No Restrictions

Do you or any driver on this policy have any non-motoring criminal convictions, except for those
considered to be spent under the Rehabilitation of Ofenders Act 1974? No
Have you or any of your drivers ever had a car insurance policy cancelled, voided, refused or had
special terms imposed? No

Details of the claims, accidents or losses in the last 5 years for all the drivers

Driver Date Claim Description Recovery made?

None disclosed

Details of the convictions and fxed penalty ofences in the last 5 years for all the drivers

Driver Date Code Licence Suspension

suspended? period
None disclosed

No Claim Discount (NCD)

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No Claim Discount protection for life

If you have four or more years No Claim Discount you may be able to protect it for the life of your policy for an
additional premium, providing you’re eligible. If you do, your No Claim Discount will not be reduced regardless of
the number of claims you make. You can only add protected No Claim Discount for life at the start of your policy or
at renewal.

If you make changes to your policy during the year which results in you no longer being eligible for this additional
cover, we may remove it. By adding No Claim Discount for life to your policy, your premium may still increase at
renewal if you've made a claim, due to other rating factors which may apply. At renewal, depending on the number
of claims or incidents recorded on your policy, we may be unable to ofer you a renewal quote.

What happens to your unprotected No Claim Discount if you make a claim?

If we've been unable to recover all our losses in relation to the claim - known as 'non recoverable' or ‘fault’ claim,
your NCD entitlement will be reduced at renewal to the amount shown in the table below:

NCD years at the NCD entitlement per non recoverable claim

start of the
1 claim 2 claims 3 claims
period of
insurance
0 to 2 years Nil Nil Nil
3 years 1 year Nil Nil
4 years 2 years Nil Nil
5 or more years 3 years 1 year Nil

What happens if you don’t make a claim?

Your No Claim Discount will increase by one year, every time this policy is renewed up to a maximum of 20 years.

You’ve chosen to auto-renew

By renewing your policy automatically with us, your cover will continue uninterrupted and we will take payments as
agreed. This gives you peace of mind knowing you’ll never miss your renewal date (e.g. if you’re unwell, on holiday
or life just gets in the way).
When you get your renewal quote (we’ll send it 3 to 4 weeks before your renewal date), please check you’re happy
with the quote, that the policy cover is still right for you and meets your needs, plus all your details are correct.
If you’re happy with everything, your policy will automatically renew on your renewal date (you have 14 days from
the policy renewal date to change your mind about renewing with us).

Want to stop your policy from renewing automatically?

This can be done at any time. You can use Live Chat online or in My Account or call 0345 603 7879 (get in touch
either way Mon-Fri 8am-8pm, Sat 9am-5pm, Sun 9am-2pm) and we’ll change it straight away. Or you can write to
The Equinox, 19 Cadogan Street, Glasgow, G2 6QQ – if you write please allow up to 15 days for us to make the
change.
Please note cancelling your Direct Debit won’t stop your policy from auto-renewing (or cancel the policy
altogether) so please contact us.
If you decide to stop your policy from renewing automatically with us, your policy will end on the renewal date and
your cover will stop. This means if you miss your renewal date (e.g. if you’re unwell, on holiday or life just gets in the
way) you could be left without insurance.
And if you end up opting out of auto-renewal, but then want to opt back in again, you can. Either use Live Chat
online or in My Account or call 0345 603 7879 and one of the team will help you (they’re available Mon-Fri
8am-8pm, Sat 9am-5pm, Sun 9am-2pm) and we’ll change it straight away. Or you can write to The Equinox, 19
Cadogan Street, Glasgow, G2 6QQ – if you write please allow up to 15 days for us to make the change.
When it's time to renew you can call 0345 603 7879. The important thing is to have insurance in place so you're
covered.

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