Complete peace of mind for only £15-00 per annum
Summary
Legal cover up to £50,000
Policy by
Blakemores Insurance Services Ltd
You, your
The person who has taken out the policy
Insured
- The individual or company who has paid the premium.
Or in the case of a road traffic accident
- Any other person(s) authorised to drive the Insured Vehicle or any authorised passenger
Insured Vehicle
A private car, motorcycle, commercial vehicle, taxi or Hackney Carriage owned or leased by the Insured and specified in an underlying motor insurance certificate.
Appointed Representative
A consultant, solicitor barrister or other appropriately qualified person appointed to act for the insured in accordance with claims procedures.
Period of Insurance
The period specified in the certificate of Insurance.
Legal Expenses
- Any fees, expenses and other disbursements incurred by the appointed representative including expenses of expert witnesses.
- Any costs incurred by other parties as the Insured has been held liable.
- Any fees, expenses or other disbursements reasonably incurred in resisting an appeal.
Accident
An event arising from the negligence of another party resulting in damage to personal property and / or personal injury whilst walking on the highway, driving or being carried as a passenger in a motor vehicle, riding a horse or pedal cycle.
Uninsured Losses
Any loss or Injury including consequential loss sustained by the Insured arising out of the accident where such a loss is not covered by another insurance policy.
Territorial limits
United Kingdom and Northern Ireland This policy summary provides key information about Highway Legal Expense Protection of which you should read. The full terms and conditions of your policy can be found in the Highway Legal Expense Policy Booklet which you will have received with this leaflet. Use this information to decide whether Perceptions services are right for you. Below are the features and benefits from this legal expense policy which includes any exclusions applicable.
Features & benefits
Uninsured Loss Recovery and Personal Injury We will negotiate to recover uninsured losses and costs following a collision between the insured vehicle and another vehicle which:
- causes damage to the insured vehicle, or to personal property in it, or
- injures or kills the insured person
We will negotiate to recover uninsured losses and costs following an accident whilst riding a horse on the highway which:
- causes damage to the horse, or to personal property whilst, or
- injures or kills the insured person
We will negotiate to recover uninsured losses and costs following an accident whilst walking on the highway which:
- causes damage to personal property, or
- injures or kills the insured person
We will negotiate to recover uninsured losses and costs following an accident whilst riding a pedal cycle on the highway which:
- causes damage to the pedal cycle, or to personal property
- injures or kills the insured person
We will also negotiate to recover any other uninsured losses that are recoverable under your policy such as:
- loss of use
- costs for use of a hire vehicle
- loss of earnings
- damage or loss to personal effects
- your policy excess
- vehicle recovery and storage costs
- Vets Bills
Exclusions or limitations
It must be more likely than not that the insured person(s) will recover any damages.
Only costs charged by a lawyer appointed by Perception will be covered.
External costs are limited to £50,000 and this includes the opponent’s costs.
Costs incurred before Perception agrees to appoint a representative to help an insured person.
Unless Perception agrees to start court proceedings or there is a conflict if interest, Perception is free to choose a representative to help the insured person.
All costs should be reasonably incurred and the insured should take measures to minimise any costs of any claim.
Policy Section
- Conditions for claims settlement (2)
- Conduct of claim (3a)
- Policy Schedule
- Exclusions (2)
- Conduct of claim (3a)
- Conduct of claim (7)
Your cancellation rights
We hope you are happy with the cover this policy provides, however you may cancel this policy without notice within 14 days of taking the policy out. You may ask the person who sold you this policy about getting a refund of any premiums you have paid.
Making a claim
If you have been in an accident please contact us as soon as possible and within six months of your accident. Telephone your broker to report your claim.
How to make a complaint
If you have a complaint about the service you have received or about a claim, please write to our Managing Director at our head office address shown below. He will direct your complaint to the relevant department(s). A copy of our internal complaint handling procedure is available on request.
If you wish to complain about the underwriter of this insurance please write to the Managing Director, Templeton Insurance Ltd, 18-20 North Quay Douglas, Isle of Man, IM1 4LE.
If you are still unhappy with the response you receive, you have the right to ask the Financial Ombudsman Scheme to review your complaint.
Head Office address:
Perception, 40 Great Charles Street, Birmingham, B3 2AN
Perception is an agent of Templeton Insurance Limited which underwrites this insurance. Templeton Insurance is regulated and authorised by the Isle of Man Insurance and Pensions Authority. The Company is permitted to conduct business with the UK, however, it is not authorised to carry on business in the UK, which means that management and solvency is not supervised by her Majesty’s Government and you will not be protected by the Financial Services Compensation Scheme if the Company is unable to meet its liabilities to you.
Who regulates us?
Blakemores Insurance Services Limited trading as Perception is authorised and regulated by the Financial Services Authority which is the independent watchdog that regulates financial services. It requires us to give you this document. Our FSA Register number is A0021282.
Our permitted business is advising, arranging, dealing as an agent and assisting in the administration and performance of general insurance contracts.
You may check this on the FSA’s register by visiting the FSA website at,
www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234
