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Policy Summary – Sections A to J only

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

This insurance is underwritten by AXA Insurance UK plc.

Type of Insurance and Cover

Motor insurance for private cars. This insurance provides cover for third party fire and theft or comprehensive. – Please refer to your policy schedule for your selected cover and the Your Cover section of your policy wording for full details of the cover provided.

Where a heading is underlined in this policy summary, details can be found in your policy wording under the same heading.

Your Certificate of Motor Insurance will show you who is allowed to drive your car.

Conditions

The information you provide forms the basis of this insurance and must be correct and complete.
You must do all you can to protect your car and keep it in a roadworthy condition.
When leaving your car, personal belongings must be locked in the glove box or boot.

Failure to comply with these conditions may jeopardise your claim or cover

Features and Benefits

Section A – Damage to Your Car and Section B – Fire and Theft

Replacement or repair of your car or spare parts if your car, accessories or spare parts are lost, stolen or damaged.
New car replacement within the first 12 months of your purchase from new if the car is a total loss or stolen and not recovered.
Manufacturer fitted audio equipment is covered up to £7,000 else the maximum we will pay is £500 for comprehensive policies and £200 for third party, fire and theft policies.

Section C – Liability to Other People and Their Property

Your legal responsibility for:
a) Death or injury to other persons, unlimited amount.
b) Damage to other persons property up to £20,000,000.
Legal fees and expenses if we provide our written permission.
Emergency medical treatment.

Section D – Windscreen and Window Damage

Comprehensive cover includes windscreen damage. Replacement of broken front windscreens only and repairs to bodywork caused by them breaking will not affect your No Claims Discount. Claims for other windows will affect your No Claims Discount.
No limit on cost if you use our approved windscreen repairer. If not there is a limit of £100.
If your windscreen is repaired rather than replaced, there will be no excess to pay.

Section E – Personal Accident – Cover is subject to age restrictions, please see the policy wording for details.

£5,000 for each adult in your car if they die as a result of an accident or suffer loss of sight or limbs.

Section F – Additional Benefits

Personal Belongings
Up to £100 for loss or damage to personal belongings carried in your car following an accident, fire, lightning, explosion, theft or attempted theft.
Medical expenses
Cover up to £100 for you and each person in your car following an accident.

Section G – Territorial Limits and Foreign Use

Cover for trips for up to 3 days in the European Union, Norway and Switzerland. For longer periods or for other countries contact Swiftcover.

Section H – No Claims Discount

All motor policies are subject to a No Claim Discount scale. This can at your option be “protected” so that you may make one claim in a year or two claims in a three year period without affecting your No Claims Discount.

Section I – Extended Personal Accident Option – Cover is subject to you paying an additional premium for this option. Age restrictions apply, please see the policy wording for details.

£100,000 for the Policyholder in your car if they die as a result of an accident or suffer loss of sight or limbs.

Section J – Replacement car option – Cover is subject to you paying an additional premium for this option. Age restrictions may apply, please see the policy wording for details.

Provides you with a temporary replacement car for 14 days if you have a non-windscreen claim on the policy to which this optional section applies.

Car Service Cover

Cover whilst your car is in the custody or control of a motor garage for maintenance, repair, testing or servicing or at a hotel or restaurant where your car has been parked for you.

Significant or Unusual Exclusions or Limitations

General Exclusions:

The standard excesses and any additional amount you have agreed to pay will be shown within your policy wording or in your Schedule.
Being airside on any airport or airfield premises.
Earthquake, riot or civil commotion outside of England, Scotland, Wales, the Isle of Man or the Channel Islands.
Radioactive contamination, war risks, terrorism, pollution and contamination.
Any claim if the driver is convicted of driving under the influence of alcohol or drugs.

Section A – Damage to Your Car and Section B – Fire and Theft:

Loss of value after a repair.
Damage to tyres from braking, punctures and cuts.
Loss of your car by deception, return to legal owner.
Loss if left unlocked or with the keys (or keyless entry system) in the car and the cost of any hired alternative transport.
Loss or damage from incorrect fuelling of your car.
If the repair to your car is not carried out by our recommended repairer we may only pay the amount our recommended repairer would have charged.
Where your car is not to United Kingdom specifications and any part or accessory becomes unobtainable or out of stock in the United Kingdom increased repair or replacement costs or storage costs of your car.

Section C – Liability to Other People and Their Property:

Anyone driving your car that is disqualified from driving or has never held a driving licence.
Liability is limited to the Road Traffic Act if you are driving another car not owned by you and not provided by us as a result of a claim unless specifically agreed otherwise.

Section D – Windscreen and Window Damage:

Windscreens and windows not made of glass.
We may not pay more than £100 if you do not use our selected repairer.
Your no claims discount may not increase at next renewal if you make a claim under this section
Glass that is part of a removable or folding convertible roof.
Sunroofs

Duration

This is an annually renewable policy.

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 General conditions which apply to Sections A to J.

Claim Notification

To make a claim, contact the Swift Claims Team on:

Mon - Fri 8am - 6pm (excludes Bank Holidays); Sat 9am – 12 noon
Phone 0871 984 3333 (whilst in the UK)
00 44 1892 500 169 (whilst in Europe)
Online Log on to My Swift Space and ‘Make a Claim’ (new and existing claims)
Email claims@swiftcover.com (enquiries about existing claims only)

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 write to The Customer Care Department of AXA Insurance UK PLC

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)

AXA Insurance UK plc is covered by the FSCS, which is triggered when an authorised firm goes out of business. In this unlikely event you may be entitled to compensation from the scheme. Compensation under the scheme for:

Compulsory insurance is covered in full
Non-compulsory insurance is protected in full for the first £2,000 and 90% of any amount above this threshold.

Full details are available at www.FSCS.org.uk