The person named as the policyholder in the motor insurance policy and who is also named as the policyholder in the schedule for this policy, together with any other person entitled to drive or ride the motor vehicle under the motor insurance policy.

The excess covered under this policy must relate to an insurance claim made under the motor insurance policy in respect of fire, theft, attempted theft or vandalism or an accident that was your fault or partly your fault, or where you have been unable to

recover your excess from a liable third party within a six month period of the date of the insurance claim.

You are required by the provision of the Consumer Insurance (Disclosure and Representations) Act 2012 to care to:

You must take reasonable care to provide complete and accurate answers to the questions Zego asks when you take out, make changes to and renew your policy. If any information you provide is not complete and accurate, this may mean your policy is invalid and that it does not operate in the event of an excess claim, or we may not pay any excess claim in full.

Fraud

You must not act in a fraudulent way. If you or anyone acting for you:

We will not pay any benefit under this policy or return any premium to you, and we may cancel your policy immediately and backdate the cancellation to the date of the fraudulent claim. We may also take legal action against you and inform the appropriate authorities.

Please read this policy carefully so that you understand the cover we are giving you and follow our rules. It's important that you keep this policy wording and your policy schedule in a safe place in case you need to look at them later.

In the event of an excess claim, please contact us as soon as reasonably possible (and in any case no later than 30 days after the date you have paid the excess or had the excess deducted from your settlement of your insurance claim under your motor

insurance policy) giving us as much information as you can about what has happened to bring about the insurance claim.

Please try to include the names and addresses of anyone else involved and any information provided by the police, if relevant.

Telephone: 0333 043 4634

Online claims form: motorexcess.coplus.co.uk

Email: [email protected]

Or you can write to us at:

Coplus Claims

Floor 2

Norfolk Tower

48-52 Surrey Street

Norwich

NR1 3PA

In order for us to help you more efficiently, please quote ‘Motor Excess Protection’ in all communications.

The claims line is open 24 hours a day, 365 days a year to assist you.

Any insurance claim involving theft or attempted theft, malicious damage and/or vandalism must be reported to the police.

This insurance is arranged by Motorplus Limited t/a Coplus and underwritten by Collinson Insurance. This Insurance is effected in England and is subject to the Laws of England and Wales.

Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference

Number 202846. Registered in England number 01708616. These details can be checked on the Financial Services Register by visiting: www.fca.org.uk.

Motorplus Limited t/a Coplus are authorised and regulated by the Financial Conduct Authority.

For full details of how we protect your privacy and process your data please read the Privacy Statement that accompanies this policy. The Privacy Statement can also be viewed online by visiting https://www.coplus.co.uk/data-privacy-notice.

If you have a complaint, please follow the guidance below and we will provide assistance as soon as possible:

If your complaint is about the sale of the policy contact Zego, who sold you the policy:

Telephone: 0203 308 9800

Email: [email protected]

If your complaint is about the handling of an excess claim, please contact:

The Quality Assurance Manager

Coplus

Floor 2

Norfolk Tower

48-52 Surrey Street

Norwich

NR1 3PA

Telephone: 0333 043 4634

Email: [email protected]

We will respond to your complaint within eight weeks of receiving it. Our response will be our final decision based on the information provided. If there's a delay in our investigations, we'll explain the reason and give you an estimated timeframe for

reaching a decision.

If, for any reason, you're still not happy or haven't received a final answer within eight weeks, you have the right to escalate your complaint to an independent authority called the Financial Ombudsman Service (FOS). You can contact them using the details below:

The Financial Ombudsman Service,

Exchange Tower,

London,

E14 9SR

Telephone: 0800 023 4567 (free for people calling from a landline) or 0300 1239 123

Email: [email protected]

Following this complaints procedure does not stop you from taking legal action.

The Financial Services Compensation Scheme covers this policy. You may be entitled to compensation from the scheme, if we cannot meet our liabilities under this policy. Further information about compensation scheme arrangements is available at

www.fscs.org.uk or by telephoning 020 7741 4100.

We shall not provide cover or be liable to pay any claim or other sums, including return premiums, where this would expose us to any sanction, prohibition or restriction under United Nations resolutions, asset freezing or trade or economic sanctions, laws or regulations of the European Union, United Kingdom, and/or all other jurisdictions where we transact business.

The following words shall have the meaning given below wherever they appear in bold in this document.

The following conditions apply to all sections of this policy. You must comply with them where applicable for your insurance to remain in full force and effect.

1. Claims

a. You must provide us with correspondence from your main motor insurer which confirms the incident date (if not included on the excess evidence);

b. Claims must relate to incidents that occurred during the period of insurance;

c. You must keep us fully informed at all times of all matters relating to the insurance claim and report all excess claims to us as soon as reasonably possible, and in any case no later than 30 days after the date you have paid the excess or had the excess deducted from your settlement of your insurance claim under your motor insurance policy;

d. You must respond to us promptly in all matters relating to an excess claim;

e. You must provide us with evidence that you either paid or have had your excess deducted following your settlement by your insurer following an insurance claim;

f. All insurance claims involving theft or attempted theft, malicious damage and/or vandalism to your motor vehicle must be reported to the police;

g. We reserve the right to:

h. If as a result of any claim against a third party your excess is recovered from that party or their insurers, you must refund to us any monies we have previously paid to you in respect of your excess.

General exclusions

The following exclusions apply to all sections of this insurance contract:

Your right to cancel your 30-day policy

If you decide that for any reason, this policy does not meet your insurance needs then please return it to Zego. You may cancel this policy any time however, as this is a short-term 30-day policy, no refund of premium will be payable whether or not any claims have been made.

Your right to cancel your annual policy

If you decide that, for any reason, this policy does not meet your insurance needs, then you may cancel it by returning it to Zego at any time. Provided that no claims have been made (whether the claim is successful or not) or are pending, we will then refund your premium in full if cover has not commenced. If your cover has commenced, we will refund your premium less a proportionate charge for the period you are on cover.

Our right to cancel

The insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 30 days’ notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:

If the insurer cancels the policy and/or any additional covers you will receive a refund of any premiums you have paid for the cancelled cover, less a proportionate deduction for the time the insurer has provided cover.

Where the insurer’s investigations provide evidence of fraud or misrepresentation, the insurer may cancel the policy immediately and backdate the cancellation to the date of the fraud or the date when you provided us with incomplete or inaccurate information. This may result in your policy being cancelled from the date you originally took it out and the insurer will be entitled to keep the premium.

If your policy is cancelled because of fraud or misrepresentation, this may affect your eligibility for insurance with the insurer, as nwell as other insurers, in the future.

Arbitration Clause

In the event of a disagreement between you and us, our aim is to make things simple and fair. If the matter cannot be resolved via our complaints procedure then you can reach out to the Financial Ombudsman Service for assistance. For broader disputes, we can turn to arbitration. We can jointly pick an arbitrator – it could be a solicitor or barrister. We will agree on this together in writing. In case we can't reach an agreement the Chartered Institute of Arbitrators can step in to help us choose someone. The arbitrator's decision is final, and we both have to abide by the outcome. The Arbitrator will also determine who pays the costs of the arbitration

process, if costs are awarded against you, they are not covered under this policy. This arbitration condition does not affect your nrights to take separate legal action.

If you require this document in any other format, please do not hesitate to contact us.

Please note that for our mutual protection telephone calls may be monitored or recorded.

If you wish to renew this insurance policy please contact Zego who will be able to discuss your requirements.

The terms of this policy are only enforceable by the named insured. A person who is not a named insured has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy but this does not affect any right or remedy of a third party, which exists or is available apart from that Act.

Unless some other law is agreed in writing, this policy is governed by English law. If there is a dispute, it will only be dealt with in the courts of England or of the country within the United Kingdom in which your main residence is situated.

How we use the information about you

As a data controller, we collect and process information about you so that we can provide you with the products and services you have requested. We also receive personal information from your agent on a regular basis while your policy is still live. This will include your name, address, risk details and other information which is necessary for us to:

To administer your policy and deal with any claims, your information may be shared with trusted third parties. This will include members of The Collinson Group, third party administrators, contractors, investigators, crime prevention organisations and claims management organisations where they provide administration and management support on our behalf. Some of these companies are based outside of the European Union where different data privacy laws apply. Wherever possible, we will have strict contractual terms in place to make sure that your information remains safe and secure.

We will not share your information with anyone else unless you agree to this, or we are required to do this by our regulators (e.g.the Financial Conduct Authority) or other authorities.

The personal information we have collected from you will be shared with fraud prevention agencies and databases who will use it to prevent fraud and money-laundering and to verify your identity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies and databases, and your data protection rights, can be found by visiting www.cifas.org.uk/fpn and www.insurancefraudbureau.org/privacy-policy.

Processing your data

Your data will generally be processed on the basis that it is:

If we are not able to rely on the above, we will ask for your consent to process your data.

How we store and protect your information

All personal information collected by us is stored on secure servers which are either in the United Kingdom or European Union. We will need to keep and process your personal information during the period of insurance and after this time so that we can

meet our regulatory obligations or to deal with any reasonable requests from our regulators and other authorities.

We also have security measures in place in our offices to protect the information that you have given us.

How you can access your information and correct anything which is wrong

You have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information please contact us by email or letter as shown below:

Email address: [email protected]

Postal Address: 3 More London Riverside, London, SE1 2AQ

This will normally be provided free of charge, but in some circumstances, we may either make a reasonable charge for this service, or refuse to give you this information if your request is clearly unjustified or excessive.

We want to make sure that your personal information is accurate and up to date. You may ask us to correct or remove information you think is inaccurate.

If you wish to make a complaint about the use of your personal information, please contact our Complaints manager using the details above. You can also complain directly to the Information Commissioner’s Office (ICO). Further information can be found at https://ico.org.uk/.