St. Christopher

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This is a Policy Summary of the St Christopher Driverguard Policy provided by Isle of Man Assurance Limited.

This summary does not contain the full terms and conditions of the insurance contract, which can be found in the policy document or are available upon request.

St Christopher Driverguard Policy is designed to provide funding for alternative transport in the event of you being prevented from driving as the result of disqualification or incapacitating injury.

The Policy is for a period of one year..

Main Features and Benefits

The St Christopher Driverguard policy provides benefits in the event of:-

Disqualification: as the result of a speeding offence or under the “totting up” rules.

Revocation of Licence: following a decision by the Secretary of State for Transport.

Death: as a result of a driving accident.

Personal Injury: following incapacitating injury that prevents you from being able to drive.

Car Hire Costs: for up to 21 days should your car be stolen, vandalised or involved in a motor accident which is subject to an insurance claim.

Emergency Funds: to cover hotel accommodation or transport home in the event of being stranded after an accident or theft or vandalism of your car.

Main Exclusions and Limitations

• Cover is only available to persons aged 21 and over (Revocation of licence not applicable if over 65 years) who hold and have held a current full driving licence valid in the UK, CI or IOM, for a period of at least two years with no more than six current or pending penalty points.

• Cover will not include disqualification imposed as a direct result of drink or drug related offences or for dangerous or reckless driving.

• Benefits are paid for a maximum period of twelve months from the date of disqualification or injury.

• In respect of car hire costs, the cost of the first 3 days car hire will not be covered.

• Driverguard Platinum Funding is limited to £15,600 per annum.

• Driverguard Gold funding is limited to £12,000 per annum

Cooling Off Period and Cancellation Rights: You will have a 14-day period, commencing when you receive your documents in which to cancel your cover and get all your money back (as long as you have not made a claim).

Claims: Should you wish to make a claim please write to Isle of Man Assurance Limited, Hope Street, Douglas, Isle of Man IM1 1AP or telephone 01624 681200.

Complaints: If you have a complaint regarding the service received from IOMA, please contact the Compliance Department. Complaints that cannot be settled can be referred to the Financial Services Ombudsman Scheme for the Isle of Man. Copies of IOMA’s internal complaints handling procedures are available upon request.

St Christopher is underwritten by Isle of Man Assurance Limited, IOMA House, Hope Street, Douglas, Isle of Man, and authorised by the Isle of Man Government Insurance and Pensions Authority and regulated by the FSA for UK business. Isle of Man Assurance Limited is permitted to conduct business with the UK, it is not authorised to carry on business in the UK which means that the management and solvency are not supervised by the Financial Services Authority, and you will not be protected by the Financial Services Compensation Scheme if the Insurer is unable to meet its liabilities to you. Isle of Man Assurance Limited is a member of the International Underwriters Association.

Isle of Man Assurance is not subject to the same regulatory system as that applicable in the United Kingdom.




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