Policy Summary:
Section M - Lost Car Key Cover

This policy summary does not contain full details and conditions of your insurance; these are located in your policy wording.

This summary gives details of the cover provided under Section M which you may have selected. These sections provide optional cover under your policy - Please refer to your policy schedule to confirm you have selected this option and to the Your Cover section of your policy wording for full details of the cover provided.

The insurance is underwritten by AXA Insurance UK Plc, Registered in England No. 78950.

Type of Insurance and Cover

We will pay:

• in the event of the loss or theft of your car key the cost of replacing the car key (up to £300). If the car key cannot be replaced we will pay for replacing the locks of your car (up to £1,500). If the lost car keys or locks are parts which are no longer available, we will pay an amount equal to the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs.
• for the cost of transporting your car to our network or to your home in the event of the loss or theft of your car key (UK only).

Full details can be found in your policy wording under Section M - Lost Car Key Cover option.

Significant or Unusual Exclusions or Limitations

We will not pay:

1. The first £50 of each claim;
2. For any expense incurred as a result of not being able to use Your Car Key, or any Loss other than the replacement of the Car Key or costs of the replacement locks;
3. For costs relating to a damaged Car Key or Lock;
4. For the cost of any alternative transport under this section;
5. For any expense caused by theft or attempted theft if the Car Key was taken by a member of the policyholder's family or household, or taken by an employee or ex-employee of the policyholder or owner of the Car. Except it that person is convicted of the theft;
6. For any claim if, at the time of the incident, it was under the custody or control of anyone with Your permission who is not covered under this Policy;
7. For loss of use or other indirect loss;
8. For any theft claims which has not been reported and a crime reference number obtained;
9. For any claim if the costs or payments are recoverable from any party, under the terms of any other contract, guarantee, warranty, or insurance;
10. For transporting the driver, passengers, pets and or goods.

Duration

This is an option relating to a policy that is annually renewable.

Cancellation period

Although our regulator requires us to provide a minimum cancellation period of 14 days we will allow you to cancel your policy at any time. Different conditions apply depending on when you exercise your right to cancel your policy. A full explanation can be found in your policy wording under the section entitled Cancellation.

Claim Notification

To make a claim, contact the Swift Claims Team:

Mon - Fri 8am - 8pm (excludes Bank Holidays); Sat 9am - 12 noon

*Calls will be charged at 10p per minute from BT landlines. Calls from other networks or from outside the UK may vary.

Making Yourself Heard

Any complaint you may have should in the first instance be addressed to Swiftcover, please email help@swiftcover.com or call on 0871 230 6666^*. If you are not satisfied with the way in which your complaint has been dealt with, you should follow the complaints procedure outlined within the Policy Wording.

*Calls will be charged at 10p per minute from BT landlines. Calls from other networks or from outside the UK may vary.

If the complaint is still not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action.

Full details of addresses and contact numbers can be found within the Policy Wording.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event We cannot meet our obligations to you. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS (www.fscs.org.uk ).

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