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Your Policy Summary

Please read this document carefully. Full terms and conditions can be found within the Policy Document. This document does not form part of the contract between us.

Features of a Tesco Car Insurance Policy

The Car Policy you have purchased is underwritten by UK Insurance Limited and will run for 12 months or as shown on the Certificate of Car Insurance.

Depending upon the level of cover you have chosen the following sections will apply. Please read your Policy carefully to ensure the level of cover selected meets Your needs.

Comprehensive - sections A-G of Your Policy booklet

Third Party Fire and Theft - sections A, C and G

Third Party Only - sections A and G

If you have chosen Car Legal Protection, Section H will apply in addition to the sections above.

Significant Features of a Tesco Policy

This policy provides cover for:

• Section A - Damage to a Third Parties property is covered up to £20 million.
• Section A - Driving other cars is included within Your Policy, subject to selected criteria being met. Please refer to Your Certificate of Car Insurance for confirmation of whether You have this benefit. Cover is limited to Third Party Only i.e. the car You are driving will not be covered.
• Section B - In-car audio, television, telephone and electronic navigation equipment. Details of limits can be found on Your Car Insurance Schedule.
• Section C - You will not be covered for theft of Your vehicle if You leave the keys in the car.
• Section D - Comprehensive includes windscreen damage cover.
• Section E - Personal accident cover is not available to over 75 year olds.
• Section G - Full foreign use cover charges are based on the time spent abroad and Your Car's insurance vehicle grouping. For information on charges please contact us.
• Section H - Car Legal Protection provides up to £50,000 of legal expenses in the event of a non-fault accident. You must make a claim under Car Legal Protection within 180 days of an insured event.
• Section H - No refund of premium will be given in respect of cancellation of Car Legal Protection.
• Section Section Ji - Temporary Replacement Car cover is provided under sections B and C of your policy booklet.
• Section Jii - Finest Temporary Replacement Car cover is provided under sections B and C of your policy booklet.
• All repair work is guaranteed for 3 years if You use one of Our recommended repairers.

Any excesses and endorsements applicable to Your Policy can be found on Your Car Insurance Schedule along with cover limitations and premiums due.

Your right to cancel

If this cover does not meet Your requirements, please return all Your documents within 14 days of receipt. We will return any premium paid in full provided no claims have been made on the Policy during that time.

How to make a claim

To notify us of a claim in the first instance please telephone 0845 300 44 00.

How to complain

Should there ever be an occasion where You need to complain, please call us on Our priority number 0845 300 44 00. If Your complaint relates to a claim, contact Your claims handler whose details will be shown in Your claims documentation.

If You wish to write, then address Your letter as follows:

• Claims related complaints to Customer Relations Department, Tesco Car Insurance, Cote Lane, Pudsey LS28 5GF.
• All other complaints should be addressed to Customer Relations Department, Tesco Car Insurance, The Wharf, Neville Street, Leeds LS1 4AZ.

If We cannot resolve the differences between us, You may refer Your complaint to the Financial Ombudsman Service (FOS). Their address is: South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone 0845 080 1800.

Details about our Regulator

UK Insurance Limited is authorised and regulated by the Financial Services Authority. The Financial Services Authority website, which includes a register of all regulated firms, can be visited at www.fsa.gov.uk/pages/register/, or the Financial Services Authority can be contacted on 0845 606 1234.

Under the Financial Services and Markets Act 2000, should the Company be unable to meet all its liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 100% of the first £2000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.