Admiral Insurance
Insurance Product Information Document
Company: EUI Limited Product: Motor Insurance Cover
EUI Limited is registered in the UK and is authorised and regulated by the Financial Conduct Authority, Financial Services Register
reference number: 309378
This document summarises the key features of your insurance policy. It is not tailored to individual needs and so may not provide all the
information relevant to your cover requirements. Complete pre-contractual and contractual information is provided in other documents.
What is this type of insurance?
This insurance policy will cover you against third party claims for personal injury or property damage that arise from the use of your vehicle. The
level of protection provided will depend on the cover you have selected, there are six levels of cover to choose from.
What is insured? What is not insured?
Please refer to your Policy Schedule to see which level Below is only a summary of what is not covered
of cover you have chosen.
We won't pay for
Third Party Only: Modifications: Unless the modifications are due to a
Third party injury: We'll pay everything you're legally disability.
responsible to pay if another person is injured in an
You won't be covered under these circumstances
accident involving your vehicle.
Uninsured Driver: You won't be covered if an accident
Third party property damage: You have cover if an
happens and the driver of your vehicle is not named on
accident involving your vehicle causes damage to
the policy.
another person's property.
Drink and drugs: You won't be covered if an accident
Third Party Fire and Theft:
happens and the driver of your vehicle is over the legal
All of the above plus:
limit of alcohol or drugs.
Damage caused by fire and theft: You're covered if
Licence: You won't be covered if an accident happens
your vehicle is damaged by fire, theft or attempted theft.
and the driver of your vehicle doesn't hold a valid
Locks: Up to £500. licence or they're breaking the conditions of their
Courtesy vehicle: We'll provide a small courtesy licence.
vehicle while yours is being repaired by our approved Incorrect use: You won't be covered if your vehicle
repairer. is used for a purpose not shown on the Certificate of
Comprehensive: Motor Insurance.
Deliberate damage: You won't be covered if an
Essential accident is caused by the deliberate or reckless actions
The benefits of Third Party Only plus: of a driver insured by this policy.
Damage to your vehicle: You’re covered if your Poor security: You won't be covered if you leave your
vehicle is damaged in an accident or by fire, theft or vehicle unlocked or unsecured.
attempted theft. Mis-fuelling: We won't pay to replace parts that are
damaged as a result of using the incorrect type of fuel.
Personal Injury: Up to £5000 for death, loss of limbs or
permanent blindness. Cyber Act/Incident: You won’t be covered if your
vehicle is affected by cyber act/incident which results in
Courtesy vehicle: We’ll provide a small courtesy any damage, loss of use or loss of, corruption or access
vehicle while yours is being repaired by our approved to data.
repairer.
Windscreen: If you have an Essential policy, your
Locks: Up to £500. windscreen, windows or sunroof won't be covered.
Admiral
All of the above plus:
Damage to your vehicle: You're covered if your
vehicle is damaged in an accident.
New vehicle replacement: If your vehicle is less
than 12 months old and it's written off or stolen and
unrecovered, we'll provide you with a brand-new vehicle
as a replacement.
Personal Injury: Up to £5,000 for death, loss of limbs
or permanent blindness.
Personal belongings: Up to £200.
Windscreen damage: We'll repair or replace your
windscreen, windows or sunroof.
What is insured?
Gold
All of the above plus:
Personal belongings: Cover is increased to £300.
Onward travel: Up to £50 per person or £150 in total
for travel expenses after an accident.
Motor Legal Protection: Please see separate
Insurance Product Information Document for more
information.
Platinum
All of the above plus:
Roadside Assistance Breakdown cover: Please see
separate Insurance Product Information Document for
more information.
Optional Cover
Windscreen damage: We'll repair or replace your
windscreen, windows or sunroof (optional on Third Party
Only and Third Party Fire and Theft). This cannot be added
to an Essential policy.
Are there any restrictions on cover?
Third party property damage: Cover for property damage is limited to £1,200,000 where the carriage of hazardous goods causes or
contributes to an accident.
Courtesy vehicle: A courtesy vehicle will not be provided if your vehicle has been stolen, damaged beyond economical repair or you
choose not to use one of our approved repairers. We cannot guarantee that the courtesy vehicle will be adapted for any disability.
Total loss: If your vehicle can't be repaired, our settlement will not exceed the vehicle's market value or, in the case of Classic Car
Policies, the value set out on the Agreed Value Certificate.
Personal Belongings: We don't cover money, debit/credit cards, tickets, vouchers, documents, tools or anything carried in relation to a
trade or business.
Driving other vehicles: You only have this cover if it appears on your current Certificate of Motor Insurance.
Excess: You're responsible for paying any excess.
Where am I covered?
You're covered when driving your vehicle in Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.
We will provide the minimum insurance required in any country which is a member of the European Union, Norway, Switzerland, Iceland,
Serbia, Andorra and Liechtenstein. If you purchased Third party fire and theft, Admiral, Gold or Platinum cover we will also provide the
cover shown on your Certificate of Motor Insurance for a maximum of 90 days in a period of insurance in these countries.
What are my obligations?
- You must take reasonable care to answer our questions honestly, with accurate and complete information.
- You must inform us if any information on your Motor Proposal Confirmation is incorrect or changes.
- You must respond to all requests for documentation or information.
- You and anyone else covered by the policy must adhere to the terms and conditions of the policy.
- You must keep your vehicle software up to date, and not alter the software against the manufacturer's instructions.
- You must protect your vehicle from loss or damage and ensure it is kept in a roadworthy condition.
- If your vehicle is involved in an accident you must notify us within 48 hours.
- You must report malicious damage, theft or deliberate fire to the police and give us the crime reference number.
- You must cooperate with us during the handling of a claim.
When and how do I pay?
You can pay for your insurance in one lump sum with a debit/credit card when you take out your policy. If eligible, you can pay monthly
instalments by Direct Debit.
When does the cover start and end?
Your cover start and end date is shown on your Policy Schedule. If you do not wish your policy to automatically renew, please let us know.
How do I cancel the contract?
You can cancel at any time either by phone or in writing to our Customer Service department. These details can be found within your policy
documentation or on our website.
