St. Christopher
   

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ST CHRISTOPHER (Bronze to Platinum)

In consideration of the Insured (being the person named as such in the Schedule hereto) having submitted a Proposal Form which has been accepted by Isle of Man Assurance Limited (hereinafter called "the Insurer") which is incorporated in and forms part of the Policy, and the Insured having paid the appropriate premium shown in the Schedule hereto, the Insurer agrees to indemnify the Insured as hereinafter provided in accordance with and subject to the Terms, Conditions and Exclusions set out herein.

Section 1 – Disqualification, Revocation of Licence or Injury

The Insurer will indemnify the Insured in respect of alternative travel costs incurred by the Insured for a period not exceeding twelve months, if, during the Period of Insurance stated in the Schedule, the Insured has been temporarily or permanently prevented from driving as a result of:

disqualification under the provisions of Section 35 of the Road Traffic Offenders Act 1988 (totting up procedure) or disqualification under the provisions of Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the said Road Traffic Offenders Act 1988 (speeding) (or any amendments thereof) or such disqualification under any similar legislation in force in Northern Ireland, the Channel Islands or the Isle of Man; or,

revocation of his/her driving licence following a decision by the Secretary of State for Transport under the provisions of Section 93 of the Road Traffic Act 1988 (or any amendment thereof) or revocation under any similar legislation in force in Northern Ireland, the Channel Islands or the Isle of Man; or,

incapacitating injury caused by accidental external forcible or violent visible means.

PROVIDED THAT:

in respect of Section 1(a), the incident from which the claim arises occurs whilst the Insured was driving or in control of a private motor vehicle of which he/she was the owner or which he/she was authorised to drive. If an incident shall occur during the Period of Insurance but the Insured is disqualified from driving as a result of such incident after the Period of Insurance then provided that the Insured shall have notified the incident to the Insurer in accordance with the terms and conditions of this Policy, then such disqualification shall for the purposes of this Policy be deemed to have occurred during the Period of Insurance;

the Insurer shall only indemnify the Insured for alternative travel costs incurred whilst the Insured is temporarily or permanently prevented from driving and PROVIDED FURTHER that the Insured shall supply to the Insurer such evidence as the Insurer may require of the period of disqualification or revocation or incapacitating injury and the travel costs incurred;

the Insurer shall only be liable to pay for the travel costs incurred under one of Sections 1(a) or 1(b) or 1(c) in respect of any one claim or in respect of any one incident or a series of incidents arising out of any one event and PROVIDED FURTHER that the Insurer’s maximum liability shall not exceed the Maximum Benefit stated in the Schedule;

if the period of disqualification, or revocation, or incapacity is less than twelve months, the Insurer’s liability shall not exceed the sum that represents the same daily proportion of the Maximum Benefit stated in the Schedule as the period of disqualification, or revocation, or incapacity bears to twelve months;

"alternative travel costs" shall not include any alternative travel costs which in the opinion of the Insurer would have been incurred by the Insured irrespective of such disqualification, revocation or incapacitating injury;

Section 2 – Loss of Use

If the Insured shall lose the use of the private motor vehicle which he/she was driving or in control of in consequence of a motor accident or of theft or vandalism occurring in the United Kingdom, the Channel Islands, the Isle of Man or a member state of the European Union, during the Period of Insurance PROVIDED THAT such accident, theft or vandalism is the subject of a motor insurance claim by the Insured, the Insurer shall indemnify the Insured for the costs incurred by the Insured for the hire of a self-drive vehicle for the period that the private motor vehicle is not in use PROVIDED THAT:

the period of hiring does not exceed 21 consecutive days or until the discharge of any claim made to the Insured’s motor insurer or until the discharge of the private motor vehicle by the Insured’s motor repairers, whichever period is the lesser;

the Insured shall bear the cost of the first three days of any such period of hiring;

the Insured shall take action to ensure that repairs are commenced and completed as quickly as reasonably possible;

the Insurer’s maximum liability in respect of any one claim s hall not exceed the Maximum Benefit stated in the Schedule.

Section 3 – Emergency Funds

If, during the course of a journey, the Insured shall lose the use of the private motor vehicle which he/she was driving or in control of in a motor accident or as a result of theft or vandalism occurring in the United Kingdom, the Channel Islands, the Isle of Man or a member state of the European Union, during the Period of Insurance, the Insurer shall indemnify the Insured in respect of the necessary travel expenses incurred by the Insured to complete the journey by public transport or reasonable emergency accommodation expenses PROVIDED THAT:

the motor accident or theft or vandalism is the subject of a valid motor insurance claim by the Insured;

the Insurer’s maximum liability in respect of any one claim shall not exceed the Maximum Benefit stated in the Schedule.

Section 4 – Death Benefit

A Death Benefit up to the Maximum Benefit stated in the Schedule, shall be payable to the Insured’s Executors or Administrators upon the death of the Insured following a motor accident occurring during the Period of Insurance in the United Kingdom, the Channel Islands, the Isle of Man or a member state of the European Union while the Insured was driving or in control of a private motor vehicle PROVIDED THAT the death of the Insured shall occur within three calendar months from the date of such accident and be a direct result of the accident. The amount of any claim paid in respect of incapacitating injury under Section 1(c) hereof shall be deducted from any amount payable under this Section.

EXCLUSIONS

The Insurer shall be under no liability;

In respect of the Insured if:

he/she has not attained the age of 21 years; and

he/she is not the holder of a full driving licence valid in the United Kingdom, the Channel Islands or the Isle of Man; and

he/she has not held a full driving licence valid in the United Kingdom, the Channel Islands or the Isle of Man for a period of at least one year; and

he/she is not resident in the United Kingdom, the Channel Islands or the Isle of Man.

Unless the incident from which any claim arises occurs:

after the date of commencement of this Policy; and

at a time when the Insured has duly paid all premiums due to the Insurer.

In respect of any claim arising outside the United Kingdom, the Channel Islands, the Isle of Man or a member state of the European Union.

In respect of any claim arising from travel to a territory contrary to the advice of the Foreign Office.

Under Section 1(a):

if the Insured has at the commencement of this Policy:

had his/her driving licence endorsed with more than six penalty points or has been served with a complaint summons or other process alleging an offence which may on conviction result in his/her penalty points exceeding six;

during the previous 12 months been disqualified from driving by reason of penalty points endorsed on his/her driving licence totalling twelve or more;

during the previous 12 months been disqualified for speeding under the provisions of Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (or any amendment thereof) or any similar legislation in force in Northern Ireland the Channel Islands or the Isle of Man;

for that period of disqualification which exceeds twelve months;

(c) for alternative travel costs incurred as a result of the Insured being temporarily or permanently prevented from driving following a conviction for driving or being in charge of a motor vehicle whilst unfit through drink or drugs or with excess alcohol or for failing to provide a specimen of breath blood or urine for analysis or dangerous or reckless driving, whether or not such conviction is the sole reason for disqualification.

Under Section 1(b):

if the Insured has, prior to the commencement of this Policy, had his/her driving licence revoked under Section 93 of the Road Traffic Act 1988 (or any amendment thereof), or any similar provision in force for the Channel Islands or the Isle of Man, or had been given notice that his/her driving licence may be revoked or had been recommended by any doctor not to drive;

if the Insured is over age 65 at the time of the claim;

for the period of revocation which exceeds twelve months;

if the Insured had any relevant disability or prospective disability which was known to the Insured prior to commencement of the Policy unless it had been declared to and accepted in writing by the Insurer.

Under Section 1 (c):

for incapacity for any period which exceeds twelve months;

if the Insured was incapacitated or had any physical or mental defects or infirmity which was known or ought to have been known to the Insured prior to commencement to the Policy unless it had been declared to and accepted in writing by the Insurer;

for any other mental illness or defect or emotional disturbance;

for injury sustained while the Insured was:

under the influence of drugs or alcohol unless it is established by the Insured that the drug was taken in accordance with medical prescription or directions and not for the treatment of drug or alcohol addiction;

flying or taking part in aerial activities, except while travelling in a fully licensed passenger carrying aircraft as a passenger and not as aircrew, nor for the purpose of any trade or technical operation in or on the aircraft;

taking part in any professional sport.

for injury occasioned by, happening through or in consequence of:

war, invasion, act of foreign enemy, terrorism, hostilities (whether war be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power;

attempted suicide of the Insured or self-inflicted injury or self- exposure to needless peril (except in an attempt to save human life).

DEFINITIONS

"Private motor vehicle" shall mean:

(i) a motor vehicle (not being an invalid carriage) other than a motor-cycle, which is constructed for the carriage of passengers and their effects and is adapted to carry not more than seven passengers and does not exceed three tons, of which the Insured is the owner or which he/she is authorised to drive, but shall not include any such motor vehicle which is at any time used for hire or reward;

"Member state of the

European Union" shall mean those states which are for the time being members of the European Union other than the United Kingdom but excluding any overseas territories belonging to such member state.

GENERAL CONDITIONS

The Proposal and Declaration made by the Insured are the basis of and shall form part of this Policy.

Liability of the Insurer hereunder shall be conditional upon the Insured observing the terms and conditions of this Policy. The Policy and Schedule attaching hereto are to be read as one contract.

The Insured shall within 30 days of such an incident give notice in writing to the Insurer of any incident which may give rise to a claim under this Policy or upon the receipt of a Complaint, Summons, Notice of Prosecution or other communications concerning proceedings for an offence which may result in the penalty points endorsable on his/her licence totalling twelve or more, and within seven days of request by the Insurer provide such details and documents in connection therewith as the Insurer may require. Such notification shall be sent to Isle of Man Assurance Limited, at the address shown on the Schedule.

4.

The Insurer shall be entitled, at any time, to require the Insured to provide at his/her expense such evidence as the Insurer may require of any disqualification, revocation of licence, accident, injury or other matter relating to any claim.

Where a claim is made by the Insured arising out of the revocation of his/her licence as covered under Section 1(b) of this Policy, the Insured shall produce to the Insurer at his/her own expense a certificate from a Registered Medical Practitioner certifying that he/she is unable to drive due to a disability under Section 93 of the Road Traffic Act 1988 (or any amendment thereof) together with a copy of the notice of revocation.

Where a claim is made by the Insured arising out of incapacitating injury as covered under Section 1(c) of this Policy, the Insured shall produce to the Insurer, at his/her own expense, a certificate from a Registered Medical Practitioner, certifying his/her injuries, the date that such injuries were sustained and advising as to the period during which the Insured is likely to be prevented from driving. The Insured shall, if so required, upon an agreed date make himself/herself available for a medical examination by a doctor nominated by the Insurer.

Where a claim is made by the Executors or Administrators of the Insured under Section 4 of this Policy, the Estate of the Insured shall provide to the Insurer such evidence of death of the Insured and his/her/their entitlement to payment under that Section as the Insurer may require.

Where a claim is made by the Insured under Sections 2 or 3 of this Policy, the Insured shall supply to the Insurer all such invoices and other information requested by the Insurer to verify the claim and the amount of the claim.

5. In the event of any claim in accordance with the conditions of this Policy, the Insured shall, at the request and expense of the Insurer, take or permit to be taken all such steps as may reasonably be required by the Insurer for the purpose of enforcing any rights against or of obtaining any relief or indemnity from any person, to which the Insurer shall, upon providing to the Insured any such payment, become entitled by subrogation.

6. If, at the time of any claim under this Policy, there be any other insurance effected by or on behalf of the Insured, (or which would be effective but for the existence of this Policy) covering similar benefits insured hereunder the liability of the Insurer shall be limited to the extent of any excess beyond the amount payable (or the amount which would have become payable) under such other insurance.

7.

If an Insured person is disqualified from driving under Section 35 of the Road Traffic Offenders Act 1988 (or any amendment thereof) or any similar provision in force for Northern Ireland, the Channel Islands or the Isle of Man by reason of the penalty points endorsed on his/her driving licence totalling twelve or more or for speeding under Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (or any amendment thereof) or any similar provision in force for Northern Ireland the Channel Islands or the Isle of Man, he/she shall not re-qualify for the cover provided under Section 1(a) of this Policy until the expiration of twelve months from the date of his/her last previous conviction for the offence leading to or causing the disqualification.

If the Insured’s driving licence is revoked under Section 93 of the Road Traffic Act 1988 (or any amendment thereof) by reason of a decision by the Secretary of State for Transport or under any similar legislation in force in Northern Ireland the Channel Islands or the Isle of Man, he/she shall not re-qualify for the cover provided under Section 1(b) of this Policy until the expiration of three years from the date of re-instatement of such licence or the issue of a new licence.

Where the Insured has nominated in writing a person to act as a driver in the event of a claim under Section 1:

(i) the Insurer may, instead of accepting such persons, nominate a person of the Insurer’s own choice;

(ii) the Insured shall produce to the Insurer such documentation to confirm that the driver has been employed by the Insured and that the Insured is complying with all taxation and National Insurance regulations as may be in force;

the Insurer may require such documentation as to confirm that monies claimed by the Insured have been passed to the driver.

Where the Insured is using methods of transportation other than a person to act as driver in the event of a claim under Section 1:

(i) the Insured shall obtain an account listing the daily use and cost of journeys made;

(ii) the Insured shall produce such substantiation as to confirm that the persons/companies used to maintain his/her mobility are licensed and insured for the purpose of providing vehicles and drivers for hire and gain.

The Insurer may cancel this Policy by giving 15 days written notice by recorded delivery letter to the Insured at his/her last known address. In such event the premium for the period up to the date when the cancellation takes effect shall be calculated and the Insurer shall return any unearned portion of the premium paid to the Insured unless the Policy is cancelled because of the submission of a false or fraudulent claim by the Insured when no refund of premium will be made.

If the premium due hereunder (whether paid annually, quarterly or monthly) remains unpaid after the date upon which it, or any part of it, becomes due and payable (whether or not demanded by the Insurer,) this Policy shall be deemed to be cancelled forthwith.

This Policy is not transferable and no premium or portion of a premium paid by the Insured is in any circumstances refundable.

If the Insured shall give false or misleading information to the Insurer at any time, this Policy shall become void and the Insured shall forfeit all privileges and entitlements under this Policy and shall have no claim whatsoever against the Insurer.

If the Insured shall make any claim knowing the same to be fraudulent as regard to amount or otherwise, this Policy shall become void and all claims hereunder shall be forfeited.

Headings are included in this Policy for ease of reference only and shall not affect the interpretation thereof.

Payment to the Insured by the Insurer for an insured benefit shall be a valid discharge of the Insurer’s liability.

Any word or expression in this Policy to which a specific meaning has been given shall bear that meaning wherever it appears and unless otherwise stated references to statutory provisions and other legislation are references to the statutes of the United Kingdom Parliament.

The declarations made by the Insured whether verbal or written are the basis of and are incorporated in this contract.

This Policy shall be subject to and construed in accordance with the laws of the Isle of Man.

ARBITRATION

Any dispute between the Insured and the Insurer shall be referred to a single arbitrator who shall be appointed by the parties in accordance with the statutory provisions in that behalf for the time being in force. Where any difference is by this Condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action against the Insurer.

For further information, or if you wish to complain about any aspect of the service you have received, please contact Isle of Man Assurance Limited. If your complaint is not dealt withto your satisfaction you can complain to the Isle of Man Financial Services Ombudsman. Copies of our complaints handling procedure are available on request.

This insurance is underwritten by Isle of Man Assurance Limited, IOMA House, Hope Street, Douglas, Isle of Man, authorised and regulated by the Isle of Man Government Insurance and Pensions Authority.

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 Her Majesty’s Government 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.

FLASHGUARD

In consideration of the Insured (being the person named as such in the Schedule hereto) having submitted a Proposal Form which has been accepted by Isle of Man Assurance Limited (hereinafter called “the Insurer”) which is incorporated in and forms part of the Policy, and the Insured having paid the appropriate premium shown in the Schedule hereto, the Insurer agrees to indemnify the Insured as hereinafter provided in accordance with and subject to the Terms, Conditions and Exclusions set out herein.

DISQUALIFICATION

The Insurer will indemnify the Insured in respect of alternative travel costs incurred by the Insured, for a period not exceeding twelve months, if during the Period of Insurance stated in the Schedule, the Insured has been temporarily prevented from driving as a result of disqualification under the provisions of Section 35 of the Road Traffic Offenders Act 1988 (totting up procedure) or under the provisions of Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the said Road Traffic Offenders Act 1988 (speeding) (or any amendments thereof) or such disqualification under any similar legislation in force in Northern Ireland the Channel Islands or the Isle of Man.

PROVIDED THAT:

(i) the incident from which the claim arises occurs whilst the Insured was driving or in control of a private motor vehicle of which he/she was the owner or which he/she was authorised to drive. If an incident shall occur during the Period of Insurance but the Insured is disqualified from driving as a result of such incident after the Period of Insurance then provided that the Insured shall have notified the incident to the Insurer in accordance with the terms and conditions of this Policy, then such disqualification shall for the purposes of this Policy be deemed to have occurred during the Period of Insurance;

(ii) the Insurer shall only indemnify the Insured for alternative travel costs incurred whilst the Insured is temporarily prevented from driving and PROVIDED FURTHER that the Insured shall supply to the Insurer such evidence as the Insurer may require of the period of disqualification and the travel costs incurred;

(iii) the Insurer shall only be liable to pay for the travel costs incurred in respect of any one claim arising out of any one period of disqualification and PROVIDED FURTHER that the Insurer’s maximum liability shall not exceed the Maximum Benefit stated in the Schedule;

(iv) if the period of disqualification is less than twelve months, the Insurer’s liability shall not exceed the sum that represents the same daily proportion of the Maximum Benefit stated in the Schedule as the period of disqualification bears to twelve months;

(v) “alternative travel costs” shall not include any alternative travel costs which in the opinion of the Insurer would have been incurred by the Insured irrespective of such disqualification;

EXCLUSIONS

The Insurer shall be under no liability;

1. In respect of the Insured if:

(a) he/she has not attained the age of 18 years;

(b) and he/she is not the holder of a full driving licence valid in the United Kingdom, the Channel Islands or the Isle of Man; and

(c) he/she has not held a full driving licence valid in the United Kingdom, the Channel Islands or the Isle of Man for a period of at least 2 years;

(d) and he/she is not resident in the United Kingdom, the Channel Islands or the Isle of Man.

2. Unless the incident from which any claim arises occurs:

(a) after the date of commencement of this Policy; and

(b) at a time when the Insured has duly paid all premiums due to the Insurer.

3. In respect of any claim arising outside the United Kingdom, the Channel Islands or the Isle of Man.

4.

(a) if the Insured has at the commencement of this Policy:

(i) had his/her driving licence endorsed with more than six penalty points or has been served with a complaint summons or other process alleging an offence which may on conviction result in his/her penalty points exceeding six;

(ii) during the previous 12 months been disqualified from driving by reason of penalty points endorsed on his/her driving licence totalling twelve or more;

(iii) during the previous 12 months been disqualified for speeding under the provisions of Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (or any amendment thereof) or any similar legislation in force in Northern Ireland the Channel Islands or the Isle of Man;

(b) for that period of disqualification which exceeds twelve months;

(c) for travel costs incurred as a result of the Insured being temporarily or permanently prevented from driving following a conviction for driving or being in charge of a motor vehicle whilst unfit through drink or drugs or with excess alcohol or for failing to provide a specimen of breath blood or urine for analysis or dangerous or reckless driving, whether or not such conviction is the sole reason for disqualification.

DEFINITIONS

“Private motor vehicle” shall mean: (i) a motor vehicle (not being an invalid carriage), other than a motor-cycle which is constructed for the carriage of passengers and their effects and is adapted to carry not more than seven passengers and does not exceed three tons, of which the Insured is the owner or which he/she is authorised to drive, but shall not include any such motor vehicle which is at any time used for hire or reward. and (ii) a motor cycle.

“Motor cycle” shall mean a mechanically propelled vehicle (not being an invalid carriage), with or without a sidecar, with fewer than four wheels of which the weight unladen does not exceed 410 kilograms.

MOTOR CYCLES The Insurer shall be under no liability in respect of the Insured if he/she does not hold a full driving licence valid in the United Kingdom, the Channel Islands or the Isle of Man for the driving of a motor cycle other than as a provisional licence holder and he/she has held such licence for a period of at least one year.

GENERAL CONDITIONS

1. The Proposal and Declaration made by the Insured are the basis of and shall form part of this Policy.

2. Liability of the Insurer hereunder shall be conditional upon the Insured observing the terms and conditions of this Policy. The Policy and Schedule attaching hereto are to be read as one contract.

3. The Insured shall within 30 days of such an incident give notice in writing to the Insurer of any incident which may give rise to a claim under this Policy or upon the receipt of a Complaint, Summons, Notice of Prosecution or other communications concerning proceedings for an offence which may result in the penalty points endorsable on his/her licence totalling twelve or more, and within seven days of request by the Insurer provide such details and documents in connection therewith as the Insurer may require. Such notification shall be sent to Isle of Man Assurance Limited, at the address shown on the Schedule.

4. The Insurer shall be entitled, at any time, to require the Insured to provide at his/her expense such evidence as the Insurer may require of any disqualification or other matter relating to any claim.

5. In the event of any claim in accordance with the conditions of this Policy, the Insured shall, at the request and expense of the Insurer, take or permit to be taken all such steps as may reasonably be required by the Insurer for the purpose of enforcing any rights against or of obtaining any relief or indemnity from any person, to which the Insurer shall, upon providing to the Insured any such payment, become entitled by subrogation.

6.If, at the time of any claim under this Policy, there be any other insurance effected by or on behalf of the Insured, (or which would be effective but for the existence of this Policy) covering similar benefits insured hereunder the liability of the Insurer shall be limited to the extent of any excess beyond the amount payable (or the amount which would have become payable) under such other insurance.

7.

(a) If an Insured person is disqualified from driving under Section 35 of the Road Traffic Offenders Act 1988 (or any amendment thereof) or any similar provision in force for Northern Ireland the Channel Islands or the Isle of Man by reason of the penalty points endorsed on his/her driving licence totalling twelve or more or for speeding under Section 89 of the Road Traffic Regulation Act 1984 and Schedule 2 of the Road Traffic Offenders Act 1988 (or any amendment thereof) or any similar provision in force for Northern Ireland the Channel Islands or the Isle of Man, he/she shall not re-qualify for the cover provided under this Policy until the expiration of twelve months from the date of his/her last previous conviction for the offence leading to or causing the disqualification.

(b)Where the Insured has nominated in writing a person to act as a driver in the event of a claim under this Policy:

(i) the Insurer may, instead of accepting such persons, nominate a person of the Insurer’s own choice;

(ii) the Insured shall produce to the Insurer such documentation to confirm that the driver has been employed by the Insured and that the Insured is complying with all taxation and National Insurance regulations as may be in force;

(iii) the Insurer may require such documentation as to confirm that monies claimed by the Insured have been passed to the driver.

(c) Where the Insured is using methods of transportation other than a person to act as driver in the event of a claim under this Policy:

(i) the Insured shall obtain an account listing the daily use and cost of journeys made;

(ii) the Insured shall produce such substantiation as to confirm that the persons/companies used to maintain his/her mobility are licensed and insured for the purpose of providing vehicles and drivers for hire and gain.

8. The Insurer may cancel this Policy by giving 15 days written notice by recorded delivery letter to the Insured at his/her last known address. In such event the premium for the period up to the date when the cancellation takes effect shall be calculated and the Insurer shall return any unearned portion of the premium paid to the Insured unless the Policy is cancelled because of the submission of a false or fraudulent claim by the Insured when no refund of premium will be made.

9. If the premium due hereunder (whether paid annually, quarterly or monthly) remains unpaid after the date upon which it, or any part of it, becomes due and payable (whether or not demanded by the Insurer,) this Policy shall be deemed to be cancelled forthwith.

10. This Policy is not transferable and no premium or portion of a premium paid by the Insured is in any circumstances refundable.

11. If the Insured shall give false or misleading information to the Insurer at any time, this Policy shall become void and the Insured shall forfeit all privileges and entitlements under this Policy and shall have no claim whatsoever against the Insurer.

12. If the Insured shall make any claim knowing the same to be fraudulent as regard to amount or otherwise, this Policy shall become void and all claims hereunder shall be forfeited.

13. Headings are included in this Policy for ease of reference only and shall not affect the interpretation thereof.

14. Payment to the Insured by the Insurer for an insured benefit shall be a valid discharge of the Insurer’s liability.

15. Any word or expression in this Policy to which a specific meaning has been given shall bear that meaning wherever it appears and unless otherwise stated references to statutory provisions and other legislation are references to the statutes of the United Kingdom Parliament.

16. The declarations made by the Insured whether verbal or written are the basis of and are incorporated in this contract.

17. This Policy shall be subject to and construed in accordance with the laws of the Isle of Man.

ARBITRATION

Any dispute between the Insured and the Insurer shall be referred to a single arbitrator who shall be appointed by the parties in accordance with the statutory provisions in that behalf for the time being in force. Where any difference is by this Condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action against the Insurer.

For further information, or if you wish to complain about any aspect of the service you have received, please contact Isle of Man Assurance Limited. If your complaint is not dealt withto your satisfaction you can complain to the Isle of Man Financial Services Ombudsman. Copies of our complaints handling procedure are available on request.

This insurance is underwritten by Isle of Man Assurance Limited, IOMA House, Hope Street, Douglas, Isle of Man, authorised and regulated by the Isle of Man Government Insurance and Pensions Authority.

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 Her Majesty’s Government 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.

 

 

 
 

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