intermediate_results.json

{"question": ["What is included in the policy documentation?", "What steps should you take to make a claim on your car insurance?", "What does Section 1: Liability cover in the car insurance policy?", "What protection does Section 2: Fire and Theft provide?", "What are the benefits of Section 3: Courtesy Car?", "How does Section 4: Accidental Damage protect you?", "What is covered under Section 5: Windscreen Damage?", "What personal benefits are included in Section 6?", "What does Section 7: Motor Legal Cover provide?", "How does Section 8: Guaranteed Hire Car Plus enhance your coverage?", "What is the benefit of Section 9: Protected No Claim Discount?", "What driving locations are covered under this insurance policy?", "What types of losses are not covered by this insurance policy?", "What should you do if you have a complaint about the insurance policy?", "What is the purpose of the 'Glossary' in the policy document?", "How does the policy handle modifications to your car?", "What does the term 'Comprehensive with DriveSure' mean?", "What should you do immediately after an accident?", "What are the benefits of having DriveSure included in your policy?", "How can you contact customer service for assistance?", "What is the procedure for adding a new driver to your policy?", "How does the policy define 'your car'?", "What should you check in your policy details document?", "How can you cancel your car insurance policy?", "What is the impact of claims on your no-claims discount?", "How often should you review your car insurance policy?", "What factors affect your car insurance premium?", "How can you get a copy of your insurance certificate?", "What additional covers are available under this policy?", "What is the role of Green Flag breakdown cover in the policy?"], "answer": ["The policy documentation for a car insurance policy with Churchill includes several important documents, which provide information about the coverage, terms and conditions, and exclusions of the policy. These documents are:\n\n1. The policy booklet, which provides an overview of the policy and the coverage provided.\n2. The Green Flag policy booklet, if the policy includes Green Flag breakdown cover.\n3. The DriveSure terms and conditions, if the policy includes DriveSure telematics insurance.\n4. A glossary of terms, which provides definitions of words and phrases that are used in the policy and have a specific meaning.\n5. A certificate of motor insurance, which provides information about the insured person, the car, and the coverage provided.\n6. Each cover section, which provides details of the coverage provided for each type of claim.\n7. A section on losses that are not covered by the policy, which provides a list of exclusions and limitations.\n\nThese documents are important, as they provide information about the coverage, terms and conditions, and exclusions of the policy. It is important to read these documents carefully, as they contain important information that can affect the insured person's coverage and their ability to make a claim. The insured person should keep these documents safe in case they need to refer to them in the future.", "To make a claim on a car insurance policy with Churchill, the insured person should take the following steps:\n\n1. Gather the necessary information, including:\n\t* The policy booklet, which includes the policy number and other important information.\n\t* Details of the loss or damage, including the date, time, and location of the incident.\n\t* If the insured person was in an accident, the other driver's details, including their name, contact information, and insurance details.\n2. Contact Churchill as soon as possible. The insured person should contact Churchill as soon as possible to report the claim and provide the necessary information. Churchill can be contacted by phone, online, or by mail.\n3. Provide any relevant information, documents, or help that Churchill may need to process the claim. This may include:\n\t* A copy of the police report, if applicable.\n\t* Any correspondence or documents related to the claim, such as a notice or form from a court, or a threat of legal action.\n\t* Any other relevant information, documents, or help that Churchill may need to process the claim.\n4. Pay any charges for sending such information, if applicable.\n5. Avoid increasing the amount claimed by not doing, or refraining from doing, anything that would increase the amount of the claim without Churchill's written permission. This may include admitting liability for, or negotiating to settle, any claim.\n6. Pay the excess, if applicable. For some claims, the insured person will need to pay an excess, which is the amount that the insured person is responsible for paying towards the claim. The excess may be a fixed amount, or a percentage of the claim, depending on the policy.\n\nBy following these steps, the insured person can make a claim on their car insurance policy with Churchill. It is important to provide accurate and complete information, and to cooperate fully with Churchill, in order to ensure a smooth and efficient claims process.", "Section 1 of the car insurance policy booklet, titled 'Liability', provides coverage for the insured person's legal liability to other people (third parties) as a result of an accident that involves the insured person's car.\n\nThe coverage in Section 1 applies to:\n\n1. Damage to property, including other vehicles, buildings, or other property, caused by the insured person's car.\n2. Bodily injury or death caused by the insured person's car.\n3. Legal costs and expenses, including the cost of defending a claim and any damages awarded to the other party.\n\nThe coverage in Section 1 applies to the insured person and any other person who is driving the insured person's car with the insured person's permission. The coverage in Section 1 applies only within the territorial limits, which are defined in the policy.\n\nThe coverage in Section 1 does not apply to the insured person's own car, or to any damage to the insured person's own car. The coverage in Section 1 is subject to the policy's terms and conditions, including a requirement that the insured person report the accident to the police and to Churchill as soon as possible, and a requirement that the insured person cooperate fully with Churchill in the defense of any claim.\n\nThe coverage in Section 1 is intended to provide financial security and peace of mind to the insured person, by protecting them from the financial consequences of an accident that involves their car and results in damage to another person's property or injury to another person. The coverage in Section 1 is an important part of the insured person's car insurance policy, and it is intended to provide financial protection and peace of mind to the insured person. \n\nIn the Comprehensive with DriveSure policy, the coverage in Section 1 applies to the insured person, and it is subject to the policy's terms and conditions. The coverage in Section 1 is an important part of the insured person's car insurance policy, and it is intended to provide financial protection and peace of mind to the insured person.", "Section 2 of the car insurance policy booklet, titled 'Fire and Theft', provides coverage for the insured person's car if it is stolen, damaged by an attempted theft, or damaged by fire.\n\nThe coverage in Section 2 applies to the insured person's car, and it is subject to the policy's terms and conditions. The coverage in Section 2 applies only within the territorial limits, which are defined in the policy.\n\nThe coverage in Section 2 includes:\n\n1. Cover for the insured person's car if it is stolen.\n2. Cover for the insured person's car if it is damaged as a result of theft or attempted theft.\n3. Cover for the insured person's car if it is damaged by fire, lightning, or an explosion.\n4. Cover for removable electronic equipment, such as a stereo or a GPS device, if the insured person's car is damaged by fire or theft, or stolen and not recovered.\n\nThe coverage in Section 2 is intended to provide financial security and peace of mind to the insured person, by protecting them from the financial consequences of an incident that involves their car and results in the car being stolen, damaged by theft or attempted theft, or damaged by fire.\n\nThe coverage in Section 2 is an important part of the insured person's car insurance policy, and it is intended to provide financial protection and peace of mind to the insured person. The coverage in Section 2 is subject to the policy's terms and conditions, including a requirement that the insured person report the incident to the police and to Churchill as soon as possible, and a requirement that the insured person cooperate fully with Churchill in the defense of any claim.\n\nThe coverage in Section 2 applies to the insured person, and it is subject to the policy's terms and conditions. The coverage in Section 2 is an important part of the insured person's car insurance policy, and it is intended to provide financial protection and peace of mind to the insured person. \n\nIn the TPFT Essential, Comprehensive, and Comprehensive Plus policies, the coverage in Section 2 applies to the insured person, and it is subject to the policy's terms and conditions. The coverage in Section 2 is an important part of the insured person's car insurance policy, and it is intended to provide financial protection and peace of mind to the insured person. \n\nIn the Comprehensive with DriveSure policy, the coverage in Section 2 applies to the insured person, and it is subject to the policy's terms and conditions. The coverage in Section 2 is an important part of the insured person's car insurance policy, and it is intended to provide financial protection and peace of mind to the insured person. \n\nIn the TPFT Essential, Comprehensive, and Comprehensive Plus policies, the coverage in Section 2 is subject to the policy's terms and conditions, including a requirement that the insured person report the incident to the police and to Churchill as soon as possible, and a requirement that the insured person cooperate fully with Churchill in the defense of any claim.", "Section 3: Courtesy Car provides the following benefits:\n\n1. A small hatchback courtesy car will be provided to you while your car is being repaired by an approved repairer, subject to availability.\n2. The courtesy car comes with engine size of up to 1000cc.\n3. Your policy will cover you (or any other driver named on your certificate of motor insurance) to drive the courtesy car.\n4. The cover to drive the courtesy car is restricted to the limits on use and exclusions as per your car insurance policy.\n5. The amount of time you can have the courtesy car is for the duration of the repair.\n6. The excess for accidental damage claims related to the courtesy car is \u00a3250.\n\nThese benefits are included in Third Party, Fire and Theft, Essentials, and Comprehensive policies, as long as you haven't picked Guaranteed Hire Car Plus. If you have Comprehensive Plus, it is replaced by Guaranteed Hire Car Plus.", "I'm sorry for any confusion, but there is no Section 4: Accidental Damage provided in the context you have given. The context only includes Section 1: Liability, which explains the coverage for legal responsibility to third parties in case of accidents.\n\nTherefore, I cannot answer the question about how Section 4: Accidental Damage protects you, as it is not present in the provided context.", "Section 5: Windscreen Damage covers the following:\n\n1. Replacement or repair of accidentally broken glass in the windscreen, sunroof, or windows of your car.\n2. Repair of any scratching to the bodywork caused by the broken glass, as long as there wasn't any other loss or damage resulting from the same incident.\n3. Recalibration of your car's Advanced Driver Assistance System (ADAS) where this relates to the repair or replacement of your car's windscreen.\n4. Replacement of the folding roof and rear windscreen assembly together, if this is more cost-effective than replacing the glass alone, in case of damage to your car's folding roof.\n\nThis coverage is included in Essentials, Comprehensive, and Comprehensive Plus policies. You are covered up to the amounts shown in 'What your cover includes' on page 8 of the policy document. However, you're not covered for other losses covered under another section of this policy for the same incident, such as dents to the bodywork, and damage caused by vandalism. If your claim is only for accidental damage to your car's windscreen, sunroof, or windows, you won't lose the No Claim Discount on this policy. You'll need to pay an excess for each incident you claim for.", "Section 6: Personal benefits includes the following:\n\n1. New car replacement: If your car is less than 12 months old and is written off due to an accident, theft, or fire, Churchill will replace it with a brand-new car of the same make and model, or provide you with the market value of your car before the incident, whichever is higher (included in Comprehensive and Comprehensive Plus policies).\n2. Personal belongings: Cover for personal belongings that are lost or damaged in your car due to an accident, fire, or theft, up to \u00a3250 (Essentials) or \u00a3500 (Comprehensive and Comprehensive Plus).\n3. Personal accident: A benefit paid in the event of death or serious injury to you or your spouse/civil partner due to an accident while driving or as a passenger in your car or while getting into or out of the car, up to \u00a35,000 (Essentials) or \u00a310,000 (Comprehensive and Comprehensive Plus).\n4. Medical expenses: Cover for medical treatment expenses you or your spouse/civil partner incur as a result of an accident while driving or as a passenger in your car, up to \u00a3200 (Essentials) or \u00a3400 (Comprehensive and Comprehensive Plus).\n5. Hotel expenses: Cover for hotel expenses if you have an accident more than 25 miles from home and your car can't be driven, up to \u00a3250 (Comprehensive and Comprehensive Plus).\n\nThese personal benefits are included in Section 6 of the Churchill car insurance policy.", "Section 7: Motor Legal Cover provides the following:\n\n1. Legal costs coverage: If you need to take legal action or defend yourself in court regarding a motoring offence, motor contract dispute, or road traffic accident, this section covers your legal costs, including legal fees, court costs, and expenses for appointing a solicitor or other suitably qualified person.\n2. Coverage for the policyholder, named drivers, registered keepers, and passengers: This cover applies to you if you are the policyholder, a named driver on the certificate of motor insurance, the registered keeper of the car, or a passenger involved in a motoring offence or road traffic accident case.\n3. Coverage for motoring offence defence: If you are prosecuted for a motoring offence while using your car, this section covers the costs to defend you in a criminal court within the territorial limits.\n4. Coverage for motor contract disputes: If you have a breach of contract claim related to buying or selling your car or buying or hiring goods or services for your car, this section covers the costs for pursuing or defending the claim within the territorial limits.\n5. Coverage for road traffic accident claims: If you are involved in a road traffic accident with a moving vehicle where someone else is to blame, this section covers the costs to help you claim your losses, such as personal injury, property damage, and other associated losses.\n\nThis coverage is included with Comprehensive Plus and can be added as an optional extra for Third Party, Fire and Theft, Essentials, and Comprehensive policies. Check your car insurance details to see if this cover is included.", "Section 8: Guaranteed Hire Car Plus enhances your coverage by providing you with a hire car of a similar size to yours if your car is damaged in an incident, written off, or stolen. This coverage is designed to keep you mobile while your car is being repaired. Here are some key points about this coverage:\n\n1. Included with Comprehensive Plus: Guaranteed Hire Car Plus is included with Comprehensive Plus policies, providing peace of mind and convenience in case of an accident or theft.\n2. Optional extra for Essentials and Comprehensive: You can add Guaranteed Hire Car Plus as an optional extra to Essentials and Comprehensive policies for an additional premium.\n3. Not included with Third Party, Fire and Theft: This coverage is not included with Third Party, Fire and Theft policies, so if you have this type of policy, you will not have access to a hire car if your car is damaged or stolen.\n4. Hire car of a similar size: If your car is damaged, written off, or stolen, Guaranteed Hire Car Plus aims to provide you with a hire car of a similar size, subject to availability.\n5. Covers various scenarios: This coverage applies in several scenarios, including accidents where you are at fault, accidents where another driver is at fault, and theft of your car.\n\nOverall, Section 8: Guaranteed Hire Car Plus enhances your coverage by providing you with a hire car in case of an accident or theft, ensuring that you can continue your daily activities while your car is being repaired or replaced.", "The benefit of Section 9: Protected No Claim Discount is that it allows you to protect your No Claim Discount (NCD) even if you make a claim, as long as you make no more than two claims in three years. Here's a summary of how Protected NCD works:\n\n* Protected NCD is an optional extra for Third Party, Fire and Theft Essentials, Comprehensive, and Comprehensive Plus policies.\n* To be eligible for Protected NCD, you must have a minimum of four years' worth of NCD.\n* Protected NCD means that you can make up to two claims in three years of insurance in a row without affecting your NCD on this policy.\n* Protected NCD does not guarantee your premium - it may still increase if a claim is made.\n* NCD proof is required if you claim to have earned an NCD, and it will be issued in the name of the NCD owner.\n* You can protect your NCD by paying an additional premium once you have accumulated a minimum of four years' worth of NCD.\n\nIn summary, the main benefit of Section 9: Protected No Claim Discount is that it allows you to maintain your No Claim Discount even if you make a claim, as long as you make no more than two claims in three years. This can help you save money on your car insurance premiums in the long run.", "Based on the context provided, the car insurance policy covers driving within the territorial limits, which typically includes the United Kingdom. However, if you have Guaranteed Hire Car Plus and are provided with a hire car, this policy does not provide cover to drive outside the territorial limits. You should check with the hire car company to see if you are covered by their insurance.\n\nAdditionally, if you have the minimum cover for foreign use, your policy covers driving in any country which is a member of the European Union, but you should note that the coverage is limited to the minimum car insurance required by law in those countries.\n\nTherefore, if you plan to drive outside of the United Kingdom, it is important to check if you have the appropriate coverage and whether you need to purchase additional coverage or extensions to your policy.", "Based on the context provided, here are some types of losses that are not covered by the insurance policy:\n\n1. Mechanical or electrical failure.\n2. Wear and tear.\n3. Damage to tyres caused by braking, punctures, cuts, or bursts.\n4. Breakdowns (unless the policy includes Green Flag breakdown).\n5. Loss or damage caused directly or indirectly by a deliberate act by any person insured on the policy.\n6. Indirect losses suffered because of an incident, such as losing the use of the car, travel costs, or loss of earnings.\n7. Loss or damage to any trailer or vehicle that the car is towing or contents of a trailer or vehicle on tow.\n8. Any other losses that are not specifically mentioned in the policy and are listed in 'Losses we don\u2019t cover' on page 33.\n\nIt's important to review the policy documents carefully to understand what is and isn't covered by the insurance policy. If you have any questions or concerns, you should contact the insurance provider directly for clarification.", "Based on the context provided, if you have a complaint about the insurance policy, you can contact the insurance company to make a complaint. The company aims to be fair and reasonable and to act quickly to deal with any complaints. Here are the steps you can take if you have a complaint:\n\n1. Contact the insurance company: You can contact the insurance company by phone, email, or mail to make a complaint. It's best to provide all the details of your complaint, including your policy number and the date of the incident.\n2. Follow the company's complaint procedure: The insurance company will have a complaint procedure that you can follow. This may involve speaking to a representative or filling out a complaint form.\n3. Allow the company to investigate your complaint: Once you have made a complaint, the insurance company will investigate your complaint and try to resolve it as quickly as possible.\n4. Contact the Financial Ombudsman Service: If you are not satisfied with the outcome of your complaint, you can contact the Financial Ombudsman Service. This is an independent body that can help to resolve disputes between customers and financial companies.\n\nIt's important to note that if you make a fraudulent, false, or exaggerated claim, the insurance company may cancel your policy, reject your claim, and keep any premium you have paid. The company also has the right to cancel any other products you hold with U K Insurance Limited, share information about your behavior with other organizations to prevent further fraud, and involve the relevant authorities who can bring criminal proceedings.", "Based on the context provided, the Glossary in the policy document serves to provide the exact meanings of some of the words and phrases that are used in bold type throughout the document. These words and phrases have a specific meaning within the context of the policy, and the Glossary is intended to help policyholders understand the terms and conditions of their insurance coverage.\n\nBy providing definitions for key terms, the Glossary helps to ensure that policyholders have a clear understanding of what is covered by their insurance policy and what is not. This can help to avoid confusion or misunderstandings in the event of a claim, and can help policyholders to make informed decisions about their insurance coverage.\n\nOverall, the Glossary is an important resource for policyholders to consult when reviewing their insurance policy, as it can help to ensure that they fully understand the terms and conditions of their coverage.", "Based on the context provided, the policy requires policyholders to inform the insurance company of any modifications they wish to make to their car and obtain the company's agreement beforehand. Modifications are defined as changes to the car's standard specification, including optional extras, and can include changes to the appearance or performance of the car, such as wheels, suspension, bodywork, engine, and software features.\n\nIf a policyholder fails to provide correct and complete information about modifications or any other changes to the car or policy details, it could invalidate the policy or mean that the insurance company may not pay claims in full or at all.\n\nTherefore, it is important for policyholders to be transparent and upfront about any modifications they have made or plan to make to their car, as this can help ensure that they have the appropriate coverage in place and avoid any issues in the event of a claim. If a policyholder is unsure whether a particular modification is allowed or requires prior approval, they should contact the insurance company for clarification. \n\nIn summary, the policy handles modifications to the car by requiring policyholders to obtain the insurance company's agreement before making any changes to the car's standard specification, and by requiring policyholders to provide accurate and complete information about any modifications or changes to the car or policy details. Failure to do so could result in the policy being invalidated or claims not being paid in full or at all.", "Based on the context provided, \"Comprehensive with DriveSure\" refers to a type of motor insurance policy that includes both comprehensive car insurance coverage and the DriveSure program.\n\nComprehensive car insurance typically provides coverage for damage to the policyholder's own vehicle as well as third-party liability coverage, which covers damage to other people's property or bodily injury.\n\nDriveSure is a program that includes additional features and benefits, such as driving behavior monitoring and feedback, rewards for safe driving, and access to legal services if needed.\n\nTherefore, \"Comprehensive with DriveSure\" means a policy that provides comprehensive car insurance coverage, as well as the additional features and benefits of the DriveSure program. It's important to note that the specific coverage and benefits may vary depending on the policy and insurance provider.", "Based on the context provided, here are the steps you should take immediately after an accident:\n\n1. Safety comes first - stop at the scene of the accident, and if there are any injuries or if any driver involved hasn't stopped, call the police and emergency services.\n2. Take photos of the accident if it's safe to do so, including any vehicles involved. Dash cam footage could also be useful.\n3. Other driver/vehicle details - ask the other party for their contact details, take down their vehicle registration, name, address, and telephone number, and give the third party your details. Don't accept blame for the accident.\n4. Witnesses - if any passers-by have stopped, ask for their contact details. These may be needed later for a statement if blame is being disputed.\n5. Call your insurance company as soon as possible. Giving them a call means you'll have the details fresh in your mind, and they can help you and the third party sooner, getting you back on the road as quickly as possible.\n\nAdditionally, if your complaint relates to Section 7: Motor Legal Cover, you can refer your complaint to arbitration instead of going to the Financial Ombudsman Service. The arbitrator will be a solicitor or barrister or other suitably qualified person that you and the insurance company agree on. If you and the insurance company cannot agree, then you'll ask the Chartered Institute of Arbitrators to decide. The arbitrator's decision will be final, and whoever doesn't win will have to pay all costs and expenses.", "Based on the context provided, having DriveSure included in your car insurance policy provides the following benefits:\n\n1. Driving behavior monitoring and feedback: DriveSure provides a device or mobile app that monitors your driving behavior, such as speed, acceleration, braking, and cornering. You can review your driving data and receive feedback on how to improve your driving and reduce your risk of accidents.\n2. Safe driving rewards: DriveSure rewards safe driving by offering discounts, rewards, or cashback on your car insurance premium or other benefits. The safer you drive, the more you can save.\n3. Access to legal services: DriveSure includes motor legal cover, which provides legal advice, representation, and compensation if you're involved in a car accident that's not your fault. The legal cover includes uninsured driver protection, personal injury compensation, and legal expenses for pursuing claims for damages or compensation.\n4. Convenience and simplicity: Having DriveSure included in your car insurance policy means you have all your coverage and benefits in one place. You don't need to deal with multiple policies, providers, or terms and conditions.\n\nTherefore, having DriveSure included in your car insurance policy can help you become a safer driver, save money on your premium, and receive legal protection and rewards for your safe driving. It's important to read the DriveSure terms and conditions carefully to understand the specific benefits and requirements of the program.", "Based on the context provided, you can contact customer service for assistance in the following ways:\n\n1. Call them on the phone: You can call their customer service hotline at 0800 051 0198 if you're in the UK or +44 (0) 141 349 0193 if you're outside the UK.\n2. Write to them: If you prefer to write a letter, you can send it to Customer Relations Manager, Churchill Court, Westmoreland Road, Bromley BR1 1DP.\n3. Call them for a specific issue: If you have Green Flag breakdown cover and your complaint is about your breakdown cover, please let them know when you get in touch.\n\nTheir staff will do everything they can to support you and aim to resolve most issues within three working days of receiving your complaint. If your complaint can't be resolved within three working days, they will provide you with regular updates until it's resolved. \n\nIt's important to note that if your complaint relates to Section 7: Motor Legal Cover, you can refer your complaint to arbitration instead of going to the Financial Ombudsman Service. The arbitrator will be a solicitor or barrister or other suitably qualified person that you and the insurance company agree on. If you and the insurance company cannot agree, then you'll ask the Chartered Institute of Arbitrators to decide. The arbitrator's decision will be final, and whoever doesn't win will have to pay all costs and expenses. \n\nOverall, the insurance company is committed to providing excellent customer service and resolving any issues or complaints as quickly and efficiently as possible.", "Based on the context provided, the procedure for adding a new driver to your car insurance policy is as follows:\n\n1. Contact your insurance company: You need to contact your car insurance company as soon as possible to inform them that you want to add a new driver to your policy. You can contact them by phone, email, or mail, depending on the communication channels provided by your insurance company.\n2. Provide the required information: Your insurance company will ask you to provide the necessary information about the new driver, such as their name, date of birth, driving license number, and driving experience.\n3. Review the policy terms and conditions: Your insurance company will provide you with the updated policy terms and conditions, including the new driver's details, and ask you to review and confirm them.\n4. Pay any additional premium: If adding a new driver to your policy results in an increase in your premium, your insurance company will inform you of the new premium amount and ask you to pay the difference.\n5. Receive the updated policy documents: Once you have completed the above steps, your insurance company will send you the updated policy documents, including the new driver's details, and confirm that the new driver is covered under your policy.\n\nIt's important to note that adding a new driver to your car insurance policy may affect your premium, as the insurance company will assess the new driver's risk profile and driving history. Therefore, it's essential to provide accurate and complete information about the new driver to avoid any issues or disputes in case of a claim. \n\nAdditionally, if you don't inform your insurance company about the new driver or any changes to your policy, it could invalidate your policy, increase your premium, or mean that the insurance company doesn't pay claims in full or at all. Therefore, it's crucial to keep your insurance company informed about any changes to your policy or personal circumstances.", "Based on the context provided, the car insurance policy does not explicitly define the term \"your car\" in the text you provided. However, it is common for car insurance policies to define \"your car\" as the vehicle that is specified in the policy schedule. The policy schedule usually includes the make, model, registration number, and other details of the insured vehicle.\n\nTherefore, it is essential to check the policy schedule and the policy documents for the specific definition of \"your car\" in your car insurance policy. If you are unsure about the meaning of any term or condition in your policy, you should contact your insurance company for clarification.\n\nIt's also important to note that some car insurance policies may have specific exclusions or limitations for certain types of vehicles or uses, such as high-performance cars, modified vehicles, or cars used for business purposes. Therefore, it's crucial to read and understand the policy terms and conditions carefully to ensure that your car is fully covered and that you are aware of any limitations or exclusions that may apply.", "Based on the context provided, you should check the following in your car insurance policy details document:\n\n1. Coverage: Check that the policy covers the type of vehicle you own, the duration of coverage, and the level of coverage you have purchased, such as third-party, third-party fire and theft, or comprehensive coverage.\n2. Named drivers: Check that all named drivers under the policy are correctly listed, including their name, date of birth, and driving license details.\n3. Excess: Check the policy excess, which is the amount you have to pay towards a claim before the insurance company pays the rest.\n4. Coverage limits: Check the coverage limits for each section of the policy, such as the maximum amount the insurance company will pay for repairs, medical expenses, or liability claims.\n5. Exclusions: Check the exclusions, which are the situations or events that the insurance company will not cover, such as mechanical or electrical failure, wear and tear, or damage caused by certain conditions or circumstances.\n6. Approved repairers: Check if the insurance company has a network of approved repairers that you can use in case of an accident or damage.\n7. Contact information: Check the contact information for the insurance company, including the claims department, customer service, and other relevant contact details.\n8. Other terms and conditions: Check any other terms and conditions that apply to the policy, such as the requirement to notify the insurance company of any changes or modifications to the vehicle, or the requirement to maintain the vehicle in a roadworthy condition.\n\nIt's important to read and understand the policy details document carefully to ensure that you have the coverage you need and that you understand the terms and conditions of the policy. If you have any questions or concerns, you should contact the insurance company for clarification.", "Based on the context provided, you can cancel your car insurance policy by contacting your insurance company and informing them of your decision to cancel the policy. You can usually cancel the policy by phone, email, or mail, depending on the communication channels provided by your insurance company.\n\nWhen you cancel your policy, you may be entitled to a refund of any premium paid in advance, depending on the terms and conditions of your policy. However, you may also be charged a cancellation fee, so it's important to check the policy details document for any such fees.\n\nIf you cancel the policy within the first 14 days, you may be entitled to a full refund of any premium paid, as long as you have not made a claim or caused an accident during that period. This is known as the cooling-off period, and it gives you the right to cancel the policy without penalty.\n\nIf you cancel the policy after the cooling-off period, you may be charged a cancellation fee, and you may not be entitled to a refund of any premium paid.\n\nIf you live in Northern Ireland, the Channel Islands or the Isle of Man, you must return your certificate of motor insurance to your insurance company after cancellation, regardless of whether they or you cancel the policy.\n\nIt's important to note that if you cancel your car insurance policy, you may lose any No Claim Discount (NCD) that you have earned, and you may have to pay a higher premium when you take out a new policy. Therefore, it's important to consider the implications of cancelling your policy carefully before making a decision. \n\nIn summary, you can cancel your car insurance policy by contacting your insurance company and informing them of your decision to cancel. You may be entitled to a refund of any premium paid, but you may also be charged a cancellation fee. If you cancel the policy after the cooling-off period, you may not be entitled to a refund of any premium paid. If you live in Northern Ireland, the Channel Islands or the Isle of Man, you must return your certificate of motor insurance to your insurance company after cancellation.", "Based on the context provided, the impact of claims on your no-claims discount (NCD) is as follows:\n\n* If you don't make any claims on your policy, your NCD will be adjusted in line with the NCD scale used by your insurance company at the time of renewal.\n* If you make one claim on your policy, your NCD may be reduced. For example, if you have two years or less of NCD, your NCD will be reduced to nil. If you have four years of NCD, your NCD will be reduced to two years.\n* If you make two or more claims on your policy within three years, your NCD will be reduced to nil.\n* If you have a minimum of four years of NCD, you may be able to protect it by paying an additional premium. This means that you can make up to two claims in three years of insurance in a row without affecting the NCD on your policy.\n\nIt's important to note that Protected NCD doesn't guarantee your premium. Your premium may still increase if a claim is made.\n\nIf you earn an NCD from another insurance company, you may need to provide proof of this when setting up your policy. If you can't send acceptable proof, your NCD years will be removed from your policy.\n\nIn summary, making claims on your car insurance policy can impact your no-claims discount (NCD), and you may need to pay an additional premium to protect your NCD. If you can't provide proof of your NCD, your NCD years will be removed from your policy.", "Based on the context provided, there is no explicit information on how often you should review your car insurance policy. However, it is generally a good idea to review your policy at least once a year before renewing it.\n\nReviewing your policy annually will allow you to ensure that your coverage and limits are still appropriate for your needs, and you can make any necessary updates or changes. You can also shop around for better rates and coverage options during this time.\n\nAdditionally, it's important to review your policy if you experience any significant life events, such as buying a new car, getting married, moving to a new home, or changing jobs, as these changes may impact your insurance needs and eligibility for coverage or discounts.\n\nIn summary, while the context provided does not specify how often you should review your car insurance policy, it is recommended to review it at least once a year before renewal and whenever you experience significant life events.", "Based on the context provided, the following factors may affect your car insurance premium:\n\n* Providing accurate information: If you do not provide correct and complete information or fail to inform the insurance company of any changes, your policy may be invalidated, your premium may increase, or they may not pay claims in full or at all.\n* Taking care of your car: If you or any person covered by the policy does not take reasonable steps to protect the car and its contents from loss or damage, this may affect your premium.\n\nOther factors that can affect your car insurance premium include:\n\n* Driving history: Your driving record, including past accidents and traffic violations, can significantly impact your premium.\n* Age and gender: Younger drivers, especially males, typically pay higher premiums.\n* Location: Where you live can affect your premium, as areas with higher crime rates or risk of accidents tend to have higher premiums.\n* Car make and model: The type of car you drive and its features, such as safety features, can affect your premium.\n* Coverage and deductible: The amount of coverage you choose, as well as your deductible, can impact your premium. Higher coverage and lower deductibles generally mean higher premiums.\n\nIn summary, several factors can affect your car insurance premium, including providing accurate information, taking care of your car, driving history, age and gender, location, car make and model, coverage and deductible.", "Based on the context provided, the car insurance policy booklet does not explicitly mention how to get a copy of your insurance certificate. However, it is typically the responsibility of the insurance company to provide you with a certificate of motor insurance.\n\nIf you have lost your certificate or did not receive one, you should contact your insurance company as soon as possible to request a replacement. They may be able to provide you with a digital copy or send you a new one in the mail.\n\nIn some cases, you may be able to download a copy of your certificate from the insurance company's website or mobile app, if you have created an account.\n\nIt's important to keep your insurance certificate safe and easily accessible, as you may be required to show it to the police, or to the other party involved in an accident, or to the Motor Insurers' Bureau (MIB) if you are involved in a hit-and-run accident.\n\nIn summary, to get a copy of your car insurance certificate, you should contact your insurance company to request a replacement. You may be able to download a digital copy from their website or mobile app if you have created an account. It's important to keep your certificate safe and easily accessible.", "Based on the context provided, the following additional covers are available under this car insurance policy:\n\n* Guaranteed Hire Car Plus: If you have this cover, the policy will provide you with a replacement car if your car is being repaired following an accident.\n* Motor Legal Cover: If you have this cover, the policy will provide legal expenses to help you recover any uninsured losses if you're involved in an accident that wasn't your fault.\n\nAdditionally, the policy may include Green Flag breakdown cover, which provides roadside assistance and other benefits if your car breaks down.\n\nIt's important to note that these additional covers may come with additional costs and may have specific terms and conditions. You should refer to your policy booklet for full details of the cover and any exclusions.\n\nIn summary, the additional covers available under this policy include Guaranteed Hire Car Plus, Motor Legal Cover, and possibly Green Flag breakdown cover. You should refer to your policy booklet for full details of the cover and any exclusions.", "Based on the context provided, Green Flag breakdown cover is an optional additional cover that can be included in the car insurance policy. Here are some key points about the role of Green Flag breakdown cover in the policy:\n\n* If the policy includes Green Flag breakdown cover, it means that the breakdown cover and the car insurance are part of the same policy.\n* The policy includes a Green Flag policy booklet that provides details of the breakdown cover.\n* The Green Flag breakdown cover provides roadside assistance and other benefits if the car breaks down, and may include European Breakdown cover, depending on the terms of the policy.\n* Green Flag breakdown cover may come with additional costs and may have specific terms and conditions.\n* If the policy includes DriveSure telematics insurance, it is a separate product from the Green Flag breakdown cover.\n\nIn summary, the role of Green Flag breakdown cover in the policy is to provide additional benefits and roadside assistance if the car breaks down. It is an optional additional cover that can be included in the car insurance policy. You should refer to your policy booklet for full details of the cover and any exclusions."], "contexts": ["of motor insurance.\nIf the policy includes Green Flag breakdown cover:\n >Your breakdown cover and your car \ninsurance are part of the same policy.\n >The policy also includes the Green Flag \npolicy booklet we\u2019ve given you.\nIf you have a policy that includes DriveSure:\n >The policy also includes the DriveSure terms \nand conditions we\u2019ve given you.\nPlease read all these documents carefully  and keep them safe in case you need them.Words in bold type\nSome of the words and phrases we use in \nthis booklet have a specific meaning \u2013 for example, your car or modifications.\nWe\u2019ve highlighted these words using bold type. You can find the exact meanings of  these words in the \u2018Glossary\u2019 on page 4,  or at the start of each section.\nComprehensive with DriveSure\nIf you have a Comprehensive with  \nDriveSure policy: \n >Your cover is the same as a  Comprehensive policy. \n >Wherever Comprehensive is  mentioned in this policy booklet,  this also applies to you. the car.\n>With the engine running.\n>With a window or roof open.\nWhat\u2019s not included in my cover?\nWe don\u2019t cover things like:\n>Mechanical or electrical failure.\n>Wear and tear.\n>Damage to tyres caused by braking, punctures, cuts or bursts.\n>Breakdowns (if your policy includes \nGreen Flag breakdown, this may cover getting \nyour car  going again).\nWe won\u2019t provide cover if your car is being used:\n>By someone who\u2019s not insured on the policy.\n>By someone who\u2019s disqualified from driving.\n>For a purpose that\u2019s not allowed on the policy\n(as shown on your certificate of motor insurance).\nYou can find full details of what\u2019s not covered by the policy in each cover section, and in \u2018Losses \nwe don\u2019t cover\u2019 on page 33.\nDoes Churchill have approved repairers? \nChurchill customers have access to a national \nnetwork of approved repairers. If \nyour car  is \nrepaired by one of these, they\u2019ll deal with all aspects of your repair. What is DriveSure?\nDriveSure is our telematics insurance product.", "Your car insurance \npolicy booklet >Your personal details.\n>Your policy number.\n>Your car registration number.\n>A description of the loss or damage.\n>If you\u2019ve been in an accident, the other \ndriver\u2019s details.\nPlease have these handy when you get in touch.Other information you need to send us\nIf you get any communication such as any \nnotice or form from a court, any threat of legal action or similar, please contact us straight away. We\u2019ll deal with it or tell you what you need to do. You must also give us any other relevant information, documents or help we might need to process your claim, and pay any charges for sending such information. If you\u2019re unsure if a document is relevant, please give it to us anyway.\nAvoid increasing the amount claimed\nYou must not do, or refrain from doing, anything \nthat would increase the amount of the claim without our written permission. For example, admit liability for, or negotiate to settle, any claim.\nPaying the excess\nFor some claims, you\u2019ll need to pay an", "of motor insurance.\nIf the policy includes Green Flag breakdown cover:\n >Your breakdown cover and your car \ninsurance are part of the same policy.\n >The policy also includes the Green Flag \npolicy booklet we\u2019ve given you.\nIf you have a policy that includes DriveSure:\n >The policy also includes the DriveSure terms \nand conditions we\u2019ve given you.\nPlease read all these documents carefully  and keep them safe in case you need them.Words in bold type\nSome of the words and phrases we use in \nthis booklet have a specific meaning \u2013 for example, your car or modifications.\nWe\u2019ve highlighted these words using bold type. You can find the exact meanings of  these words in the \u2018Glossary\u2019 on page 4,  or at the start of each section.\nComprehensive with DriveSure\nIf you have a Comprehensive with  \nDriveSure policy: \n >Your cover is the same as a  Comprehensive policy. \n >Wherever Comprehensive is  mentioned in this policy booklet,  this also applies to you. Page 32Comprehensive Plus\nComp+\nYou\u2019ll have the same level of cover under \n\u2018Liability to other people (third parties)\u2019 in section 1 (excluding any cover the main driver has when driving another car) and sections 2, 4 and 5 as you have within the territorial \nlimits in the countries listed in the \u2018Countries where you have minimum cover\u2019 section for up to 90 days in every insured period. \nSee your car insurance details for the actual \nnumber of days the policy includes.\nCar insurance cover in the \nrest of Europe\nThe cover you have in the rest of Europe will \nalso cover:\n>Crossings between countries where your car\nis being transported by a recognised carrier.\n>Any customs duty you need to pay on your \ncar because of repairs that are covered by \nthe policy.\nYou\u2019re not covered in the \nrest of Europe\n8If your cover includes Motor Legal Cover, this \npart of your cover doesn\u2019t apply outside the territorial limits, apart from for road traffic accident claims.", "\u2022 To property which an insured person owns \nor is responsible for.\n\u2022 That\u2019s covered by another insurance \npolicy.\n\u2022 That\u2019s due to an act of terrorism as defined \nby the terrorism legislation applicable where the incident took place. \n\u2022 To your automated car or trailer.\n\u2022 To goods carried for hire or reward.\n8We won\u2019t cover legal costs or expenses.\nYou may be covered for some of these exclusions under other sections of your policy \u2013 please check your policy carefully. If you have any questions, please get in touch.Fire and theft\nWe\u2019ll put things right if your car is stolen, damaged by an attempted theft, or damaged by fire.\nIf you\u2019re on:\nThird Party, Fire and Theft\nEssentials\nComprehensive\nComprehensive Plus\nthe cover in this section depends on the type of insurance you have.\nCover for your car\nIncluded with:\nTPFT Essential Comp Comp+\nIf your car is:\n>Stolen.\n>Damaged as a result of theft or attempted \ntheft.\n>Damaged by fire, lightning or an explosion.\nWe can choose to: Removable electronic equipment\nIncluded with:\nTPFT Comp Comp+\nIf your car is damaged by fire or theft, or stolen \nand not recovered, we\u2019ll also replace any damaged removable electronic equipment, \nas long as we haven\u2019t sent a payment to cover replacing your car.How much am I covered for?\nWe\u2019ll provide cover up to the amounts shown in \u2018What your cover includes\u2019 on page 8.\nYou\u2019re not covered for\nIf your car isn\u2019t kept secure\n8We won\u2019t cover loss or damage to your car if \nthe person using it doesn\u2019t take care to keep \nthe car secure. For example, if anyone who uses your car:\n\u2022 Left the car keys unattended in or on the \ncar.\n\u2022 Left the car unattended and unlocked. This \nincludes leaving windows, roof panels or hoods open or unlocked.\n8We won\u2019t cover loss or damage to your car if \nsomeone takes it by fraud or deception while pretending to be a buyer.\n8We won\u2019t cover any loss or damage to property if anyone who uses your car:\n\u2022 Left any removable electronic equipment", "Section 3: Courtesy car\nCourtesy car\nThe courtesy car will be a small hatchback, \nso may not be of a similar size or style to your car.\nThis cover is included with: \nThird Party, Fire and Theft\nThis cover is included with: \nEssentials\nComprehensive\nif you haven\u2019t picked Guaranteed Hire Car Plus.\nIt\u2019s not included with: \nComprehensive Plus\nbecause it\u2019s replaced by \nGuaranteed Hire Car Plus.\nSee page 28 to find out more about \nGuaranteed Hire Car PlusWhat we\u2019ll do\nIf you claim under section 2 or 4 of your policy\nand your car is being repaired by an approved \nrepairer:\n>You will get a courtesy car to keep you \nmobile while your car is being repaired, \nsubject to availability. \n>The courtesy car will be a small hatchback \ncar with an engine size of up to 1000cc.\n>Your policy will cover you (or any other \ndriver named on your certificate of motor \ninsurance) to drive the courtesy car. \n>Your cover to drive the courtesy car is \nrestricted to the limits on use and exclusions In-car entertainment fitted in your car after it was made4 \u00a3500\n84 \u00a31,000 4 \u00a32,000\nRemovable electronic equipment4 \u00a3500 4 \u00a31,000 4 \u00a32,000\nTheft of car keys 8 4 \u00a31,000\nSection 3: Courtesy car \nCourtesy car (subject to \navailability) while your car \nis being repaired by anapproved repairer4 Included4 Included if you haven\u2019t picked \nGuaranteed Hire Car Plus\nReplaced by \nGuaranteed \nHire Car Plus \n\u2013 see belowAmount of time you can have the carDuration of repair\nExcess for accidental damage claims related to the courtesy car\u00a3250The excess in your \ncar insurance details", "Section 1: Liability\nLiability to other people (third parties)\nWe\u2019ll cover you if you\u2019re found to be legally \nresponsible for an accident.\nIf you\u2019re on:\nThird Party, Fire and Theft\nEssentials\nComprehensive\nComprehensive Plus\nthe cover in this section depends on the type of insurance you have.\nIf you cause an accident\nIncluded with:\nTPFT Essential Comp Comp+\nWe\u2019ll provide cover if you\u2019re found to be legally responsible to other people for an accident involving your car that:\n>injures or kills someone, and/or\n>damages someone else\u2019s property.\nThis includes accidents caused by: \n>A trailer or vehicle you\u2019re towing.\n>Any electric charging cables when attached \nto your car as long as you have taken due \ncare to prevent such an accident.\nWe\u2019ll provide cover up to the amounts shown in \u2018What your cover includes\u2019 on page 8.\nIf someone needs emergency \nmedical treatment\nIncluded with:\nTPFT Essential Comp Comp+\nWe\u2019ll cover emergency medical treatment if it\u2019s \u2022 Damage caused by any driver insured on \nthis policy to any property they own or are \nresponsible for.\n\u2022 Liability for loss of, or accidental damage \nto, any car you\u2019re driving or any trailer or \nvehicle you\u2019re towing. \n\u2022 Death of, or injury to anyone working with \nor for the driver of the car (except as set \nout in the Road Traffic Act).Section 1: Liability continued", "Windscreen damage\nWe\u2019ll help put things right if the glass in your \ncar is accidentally damaged.\nThis cover is included with: \nEssentials\nComprehensive\nComprehensive Plus\nIt\u2019s not included with: \nThird Party, Fire and Theft\nWhat we\u2019ll do\nWe\u2019ll pay to: \n>Replace or repair accidentally broken glass in \nthe windscreen, sunroof or windows of your car. \n>Repair any scratching to the bodywork caused by the broken glass, so long as there wasn\u2019t any other loss or damage resulting from the same incident. \n>Recalibrate your car\u2019s ADAS (Advanced \nDriver Assistance System) where this relates to the repair or replacement of your car\u2019s \nwindscreen. \n>If your car has a folding roof, we\u2019ll replace the \nroof and rear windscreen assembly together, if this is more cost-effective than replacing the glass alone.How much am I covered for?\nWe\u2019ll provide cover up to the amounts shown in \u2018What your cover includes\u2019 on page 8.\nYou\u2019re not covered for We\u2019ll provide cover up to the amounts shown in \u2018What your cover includes\u2019 on page 8.\nYou\u2019re not covered for\n8Any other losses covered under another section of this policy for the same incident, \nsuch as dents to the bodywork.\n8Damage caused by vandalism (this may \nbe covered under Section 4: Accidental Damage).\nIf your claim is only for accidental damage to your car\u2019s windscreen, sunroof or windows, you won\u2019t lose the No Claim Discount on this policy.\nYou\u2019ll need to pay an excess for each \nincident you claim for.Section 5: Windscreen damage\nPage 20", "Page 9What your cover includes\nThird Party, \nFire and Theft Essentials ComprehensiveComprehensive \nPlus\nSection 4: Accidental damage \nAccidental damage \nto your car\n84Market value\nChild car seat replacement 4 Unlimited\nIn-car entertainment fitted in your car when it was made4 Unlimited\nIn-car entertainment fitted in your car after it was made\n84 \u00a31,000 4 \u00a32,000\nRemovable electronic equipment4 \u00a31,000 4 \u00a32,000\nMisfuelling 4Market value\nLost or damaged car keys 4 \u00a31,000\nSection 5: Windscreen damage \nIf you use an approved \nwindscreen supplier\n84Market value\nIf you choose a different supplier for repairs 4 The amount shown in your \ncar insurance details\nIf you choose a different supplier for replacement 4 The amount shown in your \ncar insurance details\nSection 6: Personal benefits\nNew car replacement \n884Market value\nPersonal belongings 4 \u00a3250 4 \u00a3500\nPersonal accident 4 \u00a35,000 4 \u00a310,000\nMedical expenses 4 \u00a3200 4 \u00a3400\nHotel expenses 8 4 \u00a3250 4 \u00a3 300\nUninsured Driver Promise 4 Included Page 2FAQs  3\nGlossary  4\nMaking a claim  6\nWhat your cover includes  8\nSection 1: Liability  11\nSection 2: Fire and theft  14\nSection 3: Courtesy car  17\nSection 4: Accidental damage  18\nSection 5: Windscreen damage  20\nSection 6: Personal benefits  21\nSection 7: Motor Legal Cover  23\nSection 8: Guaranteed Hire Car Plus  28\nSection 9: Protected No Claim Discount  30Where you can drive  31\nLosses we don\u2019t cover  33\nOther conditions you need to know about  36\nHow the policy works  37\nEverything else  41\nIf you have a complaint  42\nIf you\u2019re in an accident  43\nHow to get in touch  Back coverContentsWelcome to Churchill\nThis booklet tells you about your car insurance\nAbout the policy\nThe policy is made up of:\n >This booklet.\n >Your car insurance details.\n >Your certificate (or certificates)  \nof motor insurance.\nIf the policy includes Green Flag breakdown cover:\n >Your breakdown cover and your car \ninsurance are part of the same policy.\n >The policy also includes the Green Flag", "Page 23Section 7: Motor Legal Cover\nAbout Motor Legal Cover\nWe\u2019ll cover your Costs if you need to take \nlegal action or defend yourself in court. We will only provide this cover if your claim has a reasonable chance of succeeding for the duration of the claim.\nThis cover is included with: \nComprehensive Plus\nIt\u2019s an optional extra for:\nThird Party, Fire and Theft\nEssentials\nComprehensive\nCheck your car insurance details to see if this cover is included.\nWords with a specific meaning \nWhen we use these words or terms in this section they have these specific meanings (unless we say differently).\nAbroad Anywhere outside of the territorial \nlimits, restricted to the Republic of Ireland \nand countries listed in \u2018Where you can drive\u2019 on page 31. \nAppointed representative The preferred law \nfirm, solicitor, or other suitably qualified person \nthat we appoint to represent you under this section of the policy.\nCosts Legal costs, including: Who\u2019s covered?\nYou\u2019ll have this cover if you\u2019re any of the following:\n>The policyholder.\n>Named as a driver on your certificate of \nmotor insurance and car insurance details.\n>The registered keeper of your car.\n>A passenger \u2013 so long as it\u2019s a motoring \noffence or a road traffic accident case.\nWhat we\u2019ll do\nIf you\u2019re prosecuted for a motoring offence\nWe\u2019ll provide cover for the costs to defend you \nin a criminal court within the territorial limits if \nyou\u2019re prosecuted for a motoring offence while \nusing your car.\nIf you\u2019re in a motor contract dispute\nWe\u2019ll provide cover for the costs for you to \npursue or defend a breach of contract claim \nwithin the territorial limits for:\n>Buying or selling your car.\n>Buying or hiring goods or services for your car.\nIf you\u2019re in a road traffic accident\nYou can use this cover if you\u2019re in a road traffic \naccident with a moving vehicle, as defined by the Road Traffic Act, where someone else is \nto blame. \nWe\u2019ll pay the costs to help you claim your", "Page 28About Guaranteed Hire Car Plus\nWe\u2019ll aim to give you a hire car of a similar \nsize to yours, if your car is damaged in an incident, written off or stolen. \nThis cover is included with: \nComprehensive Plus\nIt\u2019s an optional extra for:\nEssentials\nComprehensive\nCheck your car insurance details to see if this cover is included.\nIt\u2019s not included with: \nThird Party, Fire and Theft\nWords with a specific meaning \nWhen we use these words or terms in this \nsection they have these specific meanings (unless we say differently).\nDriveable If you have an accident or need to \nclaim, your car is driveable if:\n>It\u2019s legal to drive.\n>It\u2019s roadworthy.\n>You\u2019ve agreed with us it\u2019s safe to drive. \nHire car A car or van, that is supplied to you \ntemporarily on our behalf by the hire car \ncompany.Hire car company The company that we \ninstruct to give you the hire car.\nWhat we\u2019ll do\nGuaranteed Hire Car Plus is designed to keep \nyou mobile while your car is being repaired, by Other conditions you need to know about\nFollowing the policy terms\nWe\u2019ll only provide the cover set out in this policy\nif you keep to all the terms of the policy.\nThis includes Guaranteed Hire Car Plus or Motor \nLegal Cover if you have these covers.\nProviding accurate information\nYou must ensure that all information given \nto us is correct and complete to the best of your knowledge at all times. This includes information about all drivers under the policy\nor modifications to your car.\nIf you don\u2019t provide correct and complete information or inform us of any changes, this could invalidate your policy, increase \nyour premium or mean we don\u2019t pay claims in full or at all. \nTaking care of your car\nYou and any person who is covered by this \npolicy must do all of the following:\n>Make sure your car is roadworthy.\n>Take all reasonable steps to protect your car\nand its contents from loss or damage.\n>Make sure any property left in an open or", "No Claim Discount (NCD)\nIf you don\u2019t claim on your policy, we\u2019ll adjust \nyour renewal premium in line with the NCD scale that we\u2019re using at the time you renew.\nHowever, if you claim on your policy, we may \nreduce the NCD on this policy.\nNCD at start \nof period of insuranceNCD at your next renewal\n1 \nclaim2 \nclaims3+ \nclaims\n2 years or less Nil Nil Nil\n3 years 1 \nyearNil Nil\n4 years 2 \nyearsNil Nil\n5 years or more 3 \nyears1\nyearNil\n>You may be able to protect the NCD on this policy by paying an extra premium \u2013 see \u2018Section 9: Protected No Claim Discount\u2019 on page 30.\n>If NCD proof is requested, it will be issued in the name of the NCD owner.Sending us proof of your No Claim Discount (NCD)\nIf you tell us that you have earned an NCD, we \nmay ask to see proof of this. We\u2019ll let you know when you set up your policy.\nIf you can\u2019t send us acceptable proof, we will remove the NCD years from your policy. If we Page 30\nAbout Protected No Claim Discount\nThe NCD owner will keep their No Claim \nDiscount (NCD) if you make a claim, unless you make more than 2 claims in 3 years. \nProtected NCD doesn\u2019t guarantee your \npremium \u2013 this may still increase if a claim is made.\nThis cover an optional extra for: \nThird Party, Fire and Theft\nEssentials\nComprehensive\nComprehensive Plus\nCheck your car insurance details to see if this cover is included.How it works\nOnce the NCD owner has a minimum of four \nyears\u2019 worth of NCD, you may be able to protect it by paying an additional premium. We\u2019ll let you know when you\u2019re able to do this. \nProtected NCD means that you can make up \nto 2 claims in 3 years of insurance in a row, and this won\u2019t affect the NCD on this policy.\nFor more information, including a table showing what happens to the NCD on this policy if you \nclaim, please see your car insurance details. Section 9: Protected No Claim Discount", "Information relating to your policy will be \nadded to the Motor Insurance Database (MID) managed by the Motor Insurers\u2019 Bureau (MIB). The MID and the data stored on it may be used by certain statutory and/or authorised bodies including the police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including: \n>Electronic Licensing (Tax Discs). \n>Continuous Insurance Enforcement. \n>Law enforcement (prevention, detection, \napprehension and/or prosecution of offenders).\n>The provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving. rest of Europe\n8If your cover includes Motor Legal Cover, this \npart of your cover doesn\u2019t apply outside the territorial limits, apart from for road traffic accident claims. \n8If anyone is driving a car other than your car.\n8If you have a courtesy car, it cannot be used \noutside the territorial limits.\n8If you have Guaranteed Hire Car Plus, and you have been provided with a hire car, this policy doesn\u2019t give you cover to drive outside \nthe territorial limits. Please check with the \ncompany that we instruct to give you the hire car to see if you are covered by their insurance.Countries where you have \nminimum cover\nIf you do not have Foreign Use Extension, or if it \nhas been used up, your car insurance only gives you the minimum car insurance required by law for the countries listed below:\n>Any country which is a member of the \nEuropean Union.", "the car.\n>With the engine running.\n>With a window or roof open.\nWhat\u2019s not included in my cover?\nWe don\u2019t cover things like:\n>Mechanical or electrical failure.\n>Wear and tear.\n>Damage to tyres caused by braking, punctures, cuts or bursts.\n>Breakdowns (if your policy includes \nGreen Flag breakdown, this may cover getting \nyour car  going again).\nWe won\u2019t provide cover if your car is being used:\n>By someone who\u2019s not insured on the policy.\n>By someone who\u2019s disqualified from driving.\n>For a purpose that\u2019s not allowed on the policy\n(as shown on your certificate of motor insurance).\nYou can find full details of what\u2019s not covered by the policy in each cover section, and in \u2018Losses \nwe don\u2019t cover\u2019 on page 33.\nDoes Churchill have approved repairers? \nChurchill customers have access to a national \nnetwork of approved repairers. If \nyour car  is \nrepaired by one of these, they\u2019ll deal with all aspects of your repair. What is DriveSure?\nDriveSure is our telematics insurance product. Deliberate damage\n 8We won\u2019t cover any loss, damage, liability or injury caused directly or indirectly by a deliberate act by any person insured on  \nthe policy.\nLoss of use\n 8We won\u2019t cover any indirect losses suffered because of an incident, unless we\u2019ve stated otherwise elsewhere in this policy. For \nexample, we won\u2019t cover:\n\u2022 Losing the use of your car.\n\u2022 Travel costs.\n\u2022 Loss of earnings.\nTowing\n 8We won\u2019t cover any loss or damage to any trailer or vehicle that your car is towing, or \nany contents of a trailer or vehicle on tow. Losses we don\u2019t cover", "Page 41Everything else\nEverything else\nOur contract with you\nWe aim to always be fair and reasonable and to \nact quickly whenever you need to make a claim under this policy. If you feel we haven\u2019t met this, \nwe\u2019ll try to do everything possible to deal with your complaint quickly and fairly.\nThis policy is evidence of the contract between \nyou and us, U K Insurance Limited, and is based \non information you\u2019ve given to us.\nIn return for receiving and accepting the \npremium, we\u2019ll provide insurance under this policy for the sections shown on your car \ninsurance details. \nThe laws that apply to this contract You and we \nmay choose which law will apply to this policy. If you don\u2019t provide correct and complete \ninformation or inform us of any changes, this could invalidate your policy or mean we don\u2019t \npay claims in full or at all.Fraud\nYou must be honest in your dealings with us at \nall times.\nWe won\u2019t pay a claim that is in any way \nfraudulent, false or exaggerated. \nIf you, any person insured under this policy, \nor anyone acting on your behalf attempts to \ndeceive us, or knowingly makes a fraudulent, false or exaggerated claim, we may:\n>Cancel your policy.\n>Reject your claim and any following claims.\n>Keep any premium you have paid.\nWhat happens if we discover fraud\nIf we discover fraud, we have the right to:\n>Cancel any other products you hold with \nU K Insurance Limited.\n>Cancel this policy, if the fraud happened \nunder any other policy you hold with U K Insurance Limited. \n>Share information about your behaviour with other organisations to prevent further fraud. \nWe may also involve the relevant authorities who can bring criminal proceedings.", "of motor insurance.\nIf the policy includes Green Flag breakdown cover:\n >Your breakdown cover and your car \ninsurance are part of the same policy.\n >The policy also includes the Green Flag \npolicy booklet we\u2019ve given you.\nIf you have a policy that includes DriveSure:\n >The policy also includes the DriveSure terms \nand conditions we\u2019ve given you.\nPlease read all these documents carefully  and keep them safe in case you need them.Words in bold type\nSome of the words and phrases we use in \nthis booklet have a specific meaning \u2013 for example, your car or modifications.\nWe\u2019ve highlighted these words using bold type. You can find the exact meanings of  these words in the \u2018Glossary\u2019 on page 4,  or at the start of each section.\nComprehensive with DriveSure\nIf you have a Comprehensive with  \nDriveSure policy: \n >Your cover is the same as a  Comprehensive policy. \n >Wherever Comprehensive is  mentioned in this policy booklet,  this also applies to you. Information relating to your policy will be \nadded to the Motor Insurance Database (MID) managed by the Motor Insurers\u2019 Bureau (MIB). The MID and the data stored on it may be used by certain statutory and/or authorised bodies including the police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including: \n>Electronic Licensing (Tax Discs). \n>Continuous Insurance Enforcement. \n>Law enforcement (prevention, detection, \napprehension and/or prosecution of offenders).\n>The provision of government services and/or other services aimed at reducing the level and incidence of uninsured driving.", ">Make sure your car is roadworthy.\n>Take all reasonable steps to protect your car\nand its contents from loss or damage.\n>Make sure any property left in an open or \nconvertible car is in a locked boot or locked glove compartment.\n>Allow us to examine your car at any \nreasonable time if we ask you.\nModifications to your car\nModifications are changes to your car\u2019s \nstandard specification, including optional \nextras.\nIf you wish to modify your car, you must tell us \nwhat modifications you want to make, and we \nmust agree to them beforehand. Modifications include changes to the \nappearance or the performance of your car, \nincluding wheels, suspension, bodywork, engine and any additional software features (excluding those provided free as software updates by the manufacturer). This is not a complete list. \nIf you don\u2019t provide correct and complete \ninformation or inform us of any changes, this could invalidate your policy or mean we don\u2019t \npay claims in full or at all.Fraud After your cover starts\nYou must tell us as soon as possible if:\n>You change the address where your car is \nnormally kept overnight.\n>Anyone covered by the policy changes their \noccupation.\n>Anyone covered by the policy passes their \ndriving test.\n>Any contact details change, for example, \nyour email address.\n>Any other policyholder details change. \nYou can see the details we have on your car insurance details.\nThese changes may mean we need to increase or reduce the premium, or in some cases cancel your policy.\nPage 37How the policy works\nHow the policy works", "of motor insurance.\nIf the policy includes Green Flag breakdown cover:\n >Your breakdown cover and your car \ninsurance are part of the same policy.\n >The policy also includes the Green Flag \npolicy booklet we\u2019ve given you.\nIf you have a policy that includes DriveSure:\n >The policy also includes the DriveSure terms \nand conditions we\u2019ve given you.\nPlease read all these documents carefully  and keep them safe in case you need them.Words in bold type\nSome of the words and phrases we use in \nthis booklet have a specific meaning \u2013 for example, your car or modifications.\nWe\u2019ve highlighted these words using bold type. You can find the exact meanings of  these words in the \u2018Glossary\u2019 on page 4,  or at the start of each section.\nComprehensive with DriveSure\nIf you have a Comprehensive with  \nDriveSure policy: \n >Your cover is the same as a  Comprehensive policy. \n >Wherever Comprehensive is  mentioned in this policy booklet,  this also applies to you. Page 23Section 7: Motor Legal Cover\nAbout Motor Legal Cover\nWe\u2019ll cover your Costs if you need to take \nlegal action or defend yourself in court. We will only provide this cover if your claim has a reasonable chance of succeeding for the duration of the claim.\nThis cover is included with: \nComprehensive Plus\nIt\u2019s an optional extra for:\nThird Party, Fire and Theft\nEssentials\nComprehensive\nCheck your car insurance details to see if this cover is included.\nWords with a specific meaning \nWhen we use these words or terms in this section they have these specific meanings (unless we say differently).\nAbroad Anywhere outside of the territorial \nlimits, restricted to the Republic of Ireland \nand countries listed in \u2018Where you can drive\u2019 on page 31. \nAppointed representative The preferred law \nfirm, solicitor, or other suitably qualified person \nthat we appoint to represent you under this section of the policy.\nCosts Legal costs, including:", "1\nSafety comes first\nStop at the scene of the accident and if there \nare any injuries or if any driver involved hasn\u2019t stopped, call the police and emergency services. \n2\nTake photos of the accident if it\u2019s safe to do so, including any vehicles involved\nRemember that dash cam footage could be \nuseful too.\n3\nOther driver/vehicle details\nAsk the other party for their contact details. \nTake down their vehicle registration, name, address and telephone number and give the third party yours. Don\u2019t accept blame for the accident. \n4\nWitnesses\nIf any passers-by have stopped, you can ask \nfor their contact details. These may be needed later for a statement if blame is being disputed. \n5\nCall us\nGiving us a call as soon as possible means \nyou\u2019ll have the details fresh in your mind and means we can help you and the third party sooner, get you back on the road as quickly as possible. \nPage 43If you\u2019re in an accident information: www.financial-ombudsman.org.uk\nIf your complaint is to do with your \nMotor Legal Cover\nIf your complaint relates to Section 7: Motor \nLegal Cover, you can refer your complaint to arbitration instead (where an independent person, known as an arbitrator, makes a decision to settle the dispute). The arbitrator will be a solicitor or barrister or other suitably qualified person that you and we agree on. If you and we cannot agree, then we\u2019ll ask the Chartered Institute of Arbitrators to decide. The arbitrator\u2019s decision will be final, and whoever doesn\u2019t win will have to pay all costs and expenses.We\u2019re here to support you when \naccidents happen, so we\u2019ve put together some useful steps for you to follow to help make the process smoother.\n1\nSafety comes first\nStop at the scene of the accident and if there \nare any injuries or if any driver involved hasn\u2019t stopped, call the police and emergency services. \n2", "Other conditions you need to know about\nFollowing the policy terms\nWe\u2019ll only provide the cover set out in this policy\nif you keep to all the terms of the policy.\nThis includes Guaranteed Hire Car Plus or Motor \nLegal Cover if you have these covers.\nProviding accurate information\nYou must ensure that all information given \nto us is correct and complete to the best of your knowledge at all times. This includes information about all drivers under the policy\nor modifications to your car.\nIf you don\u2019t provide correct and complete information or inform us of any changes, this could invalidate your policy, increase \nyour premium or mean we don\u2019t pay claims in full or at all. \nTaking care of your car\nYou and any person who is covered by this \npolicy must do all of the following:\n>Make sure your car is roadworthy.\n>Take all reasonable steps to protect your car\nand its contents from loss or damage.\n>Make sure any property left in an open or of motor insurance.\nIf the policy includes Green Flag breakdown cover:\n >Your breakdown cover and your car \ninsurance are part of the same policy.\n >The policy also includes the Green Flag \npolicy booklet we\u2019ve given you.\nIf you have a policy that includes DriveSure:\n >The policy also includes the DriveSure terms \nand conditions we\u2019ve given you.\nPlease read all these documents carefully  and keep them safe in case you need them.Words in bold type\nSome of the words and phrases we use in \nthis booklet have a specific meaning \u2013 for example, your car or modifications.\nWe\u2019ve highlighted these words using bold type. You can find the exact meanings of  these words in the \u2018Glossary\u2019 on page 4,  or at the start of each section.\nComprehensive with DriveSure\nIf you have a Comprehensive with  \nDriveSure policy: \n >Your cover is the same as a  Comprehensive policy. \n >Wherever Comprehensive is  mentioned in this policy booklet,  this also applies to you.", "1\nSafety comes first\nStop at the scene of the accident and if there \nare any injuries or if any driver involved hasn\u2019t stopped, call the police and emergency services. \n2\nTake photos of the accident if it\u2019s safe to do so, including any vehicles involved\nRemember that dash cam footage could be \nuseful too.\n3\nOther driver/vehicle details\nAsk the other party for their contact details. \nTake down their vehicle registration, name, address and telephone number and give the third party yours. Don\u2019t accept blame for the accident. \n4\nWitnesses\nIf any passers-by have stopped, you can ask \nfor their contact details. These may be needed later for a statement if blame is being disputed. \n5\nCall us\nGiving us a call as soon as possible means \nyou\u2019ll have the details fresh in your mind and means we can help you and the third party sooner, get you back on the road as quickly as possible. \nPage 43If you\u2019re in an accident Page 42If you have a complaint\nHow we can help \nIf something\u2019s not right, please call us on:\n>0800 051 0198 if you\u2019re in the UK.\n>+44 (0) 141 349 0193 if you\u2019re outside the UK. \nHow to make a complaint\nWe understand that things don\u2019t always go to \nplan and there may be times when you feel we\u2019ve let you down. If this happens, we want you to tell us. We\u2019ll do our best to put things right as soon as possible, or explain something we could have made clearer.\nPlease call us on 0800 051 0198 to speak to us \nabout your problem. \nIf you\u2019d prefer to write to us, please send your \nletter to Customer Relations Manager, Churchill Court, Westmoreland Road, Bromley BR1 1DP.If you have Green Flag breakdown cover and your complaint is about your breakdown cover, please let us know when you get in touch. \nOur staff will do everything they can to support \nyou. We\u2019ll aim to resolve most issues within three working days of receiving your complaint.\nIf your complaint can\u2019t be resolved within three", "Other conditions you need to know about\nFollowing the policy terms\nWe\u2019ll only provide the cover set out in this policy\nif you keep to all the terms of the policy.\nThis includes Guaranteed Hire Car Plus or Motor \nLegal Cover if you have these covers.\nProviding accurate information\nYou must ensure that all information given \nto us is correct and complete to the best of your knowledge at all times. This includes information about all drivers under the policy\nor modifications to your car.\nIf you don\u2019t provide correct and complete information or inform us of any changes, this could invalidate your policy, increase \nyour premium or mean we don\u2019t pay claims in full or at all. \nTaking care of your car\nYou and any person who is covered by this \npolicy must do all of the following:\n>Make sure your car is roadworthy.\n>Take all reasonable steps to protect your car\nand its contents from loss or damage.\n>Make sure any property left in an open or >Start legal proceedings in your name, or in the name of any other person connected to this policy. This can be for your benefit or \nour own benefit.Telling us about changes\nBefore your cover starts\nYou must tell us if anything has changed since \nyou received your quote. For example, you must tell us if:\n>Anything about your car changes.\n>You or any other driver have any claims \nor convictions that you haven\u2019t already told us about.\n>There are any changes to how your car is \nused, for example if you change from social, domestic and pleasure use to business use.\n>There are any modifications made to \nyour car (see \u2018Modifications to your car\u2019 on page 36).\n>You want to add another driver to the policy, \nor make any other change to who can drive your car.\n>You want to change to a higher level of cover, for example from Third Party, Fire and Theft to Comprehensive.\nAfter your cover starts\nYou must tell us as soon as possible if:\n>You change the address where your car is", "Your car insurance \npolicy booklet Other conditions you need to know about\nFollowing the policy terms\nWe\u2019ll only provide the cover set out in this policy\nif you keep to all the terms of the policy.\nThis includes Guaranteed Hire Car Plus or Motor \nLegal Cover if you have these covers.\nProviding accurate information\nYou must ensure that all information given \nto us is correct and complete to the best of your knowledge at all times. This includes information about all drivers under the policy\nor modifications to your car.\nIf you don\u2019t provide correct and complete information or inform us of any changes, this could invalidate your policy, increase \nyour premium or mean we don\u2019t pay claims in full or at all. \nTaking care of your car\nYou and any person who is covered by this \npolicy must do all of the following:\n>Make sure your car is roadworthy.\n>Take all reasonable steps to protect your car\nand its contents from loss or damage.\n>Make sure any property left in an open or", "the car.\n>With the engine running.\n>With a window or roof open.\nWhat\u2019s not included in my cover?\nWe don\u2019t cover things like:\n>Mechanical or electrical failure.\n>Wear and tear.\n>Damage to tyres caused by braking, punctures, cuts or bursts.\n>Breakdowns (if your policy includes \nGreen Flag breakdown, this may cover getting \nyour car  going again).\nWe won\u2019t provide cover if your car is being used:\n>By someone who\u2019s not insured on the policy.\n>By someone who\u2019s disqualified from driving.\n>For a purpose that\u2019s not allowed on the policy\n(as shown on your certificate of motor insurance).\nYou can find full details of what\u2019s not covered by the policy in each cover section, and in \u2018Losses \nwe don\u2019t cover\u2019 on page 33.\nDoes Churchill have approved repairers? \nChurchill customers have access to a national \nnetwork of approved repairers. If \nyour car  is \nrepaired by one of these, they\u2019ll deal with all aspects of your repair. What is DriveSure?\nDriveSure is our telematics insurance product. Your car insurance \npolicy booklet", "Your car insurance \npolicy booklet details.\n>If you decide to cancel the policy, we\u2019ll give \nyou proof of any No Claim Discount. This will include any reduction due to claims you\u2019ve made while insured with us. See \u2018No Claim Discount (NCD)\u2019 on page 40 for more about this. Other insurers may ask for this proof.\n>If you live in Northern Ireland, the Channel Islands or the Isle of Man, you must return your certificate of motor insurance to us \nafter cancellation. This applies whether we cancel the policy or you cancel it.\nIf we need to cancel the policy \n>We can cancel the policy at any time if we \nhave a valid reason. If we have to do this, we\u2019ll \ngive you at least 7 days\u2019 notice. We\u2019ll send our cancellation notice to the latest address we have for you.\n>It\u2019s your responsibility to let anyone insured under this policy know that this policy has \nbeen cancelled.\n>If you live in Northern Ireland, the Channel Islands or the Isle of Man, you must return your certificate of motor insurance to us", "No Claim Discount (NCD)\nIf you don\u2019t claim on your policy, we\u2019ll adjust \nyour renewal premium in line with the NCD scale that we\u2019re using at the time you renew.\nHowever, if you claim on your policy, we may \nreduce the NCD on this policy.\nNCD at start \nof period of insuranceNCD at your next renewal\n1 \nclaim2 \nclaims3+ \nclaims\n2 years or less Nil Nil Nil\n3 years 1 \nyearNil Nil\n4 years 2 \nyearsNil Nil\n5 years or more 3 \nyears1\nyearNil\n>You may be able to protect the NCD on this policy by paying an extra premium \u2013 see \u2018Section 9: Protected No Claim Discount\u2019 on page 30.\n>If NCD proof is requested, it will be issued in the name of the NCD owner.Sending us proof of your No Claim Discount (NCD)\nIf you tell us that you have earned an NCD, we \nmay ask to see proof of this. We\u2019ll let you know when you set up your policy.\nIf you can\u2019t send us acceptable proof, we will remove the NCD years from your policy. If we Page 30\nAbout Protected No Claim Discount\nThe NCD owner will keep their No Claim \nDiscount (NCD) if you make a claim, unless you make more than 2 claims in 3 years. \nProtected NCD doesn\u2019t guarantee your \npremium \u2013 this may still increase if a claim is made.\nThis cover an optional extra for: \nThird Party, Fire and Theft\nEssentials\nComprehensive\nComprehensive Plus\nCheck your car insurance details to see if this cover is included.How it works\nOnce the NCD owner has a minimum of four \nyears\u2019 worth of NCD, you may be able to protect it by paying an additional premium. We\u2019ll let you know when you\u2019re able to do this. \nProtected NCD means that you can make up \nto 2 claims in 3 years of insurance in a row, and this won\u2019t affect the NCD on this policy.\nFor more information, including a table showing what happens to the NCD on this policy if you \nclaim, please see your car insurance details. Section 9: Protected No Claim Discount", "Your car insurance \npolicy booklet Page 41Everything else\nEverything else\nOur contract with you\nWe aim to always be fair and reasonable and to \nact quickly whenever you need to make a claim under this policy. If you feel we haven\u2019t met this, \nwe\u2019ll try to do everything possible to deal with your complaint quickly and fairly.\nThis policy is evidence of the contract between \nyou and us, U K Insurance Limited, and is based \non information you\u2019ve given to us.\nIn return for receiving and accepting the \npremium, we\u2019ll provide insurance under this policy for the sections shown on your car \ninsurance details. \nThe laws that apply to this contract You and we \nmay choose which law will apply to this policy.", "Your car insurance \npolicy booklet Other conditions you need to know about\nFollowing the policy terms\nWe\u2019ll only provide the cover set out in this policy\nif you keep to all the terms of the policy.\nThis includes Guaranteed Hire Car Plus or Motor \nLegal Cover if you have these covers.\nProviding accurate information\nYou must ensure that all information given \nto us is correct and complete to the best of your knowledge at all times. This includes information about all drivers under the policy\nor modifications to your car.\nIf you don\u2019t provide correct and complete information or inform us of any changes, this could invalidate your policy, increase \nyour premium or mean we don\u2019t pay claims in full or at all. \nTaking care of your car\nYou and any person who is covered by this \npolicy must do all of the following:\n>Make sure your car is roadworthy.\n>Take all reasonable steps to protect your car\nand its contents from loss or damage.\n>Make sure any property left in an open or", "Your car insurance \npolicy booklet Page 2FAQs  3\nGlossary  4\nMaking a claim  6\nWhat your cover includes  8\nSection 1: Liability  11\nSection 2: Fire and theft  14\nSection 3: Courtesy car  17\nSection 4: Accidental damage  18\nSection 5: Windscreen damage  20\nSection 6: Personal benefits  21\nSection 7: Motor Legal Cover  23\nSection 8: Guaranteed Hire Car Plus  28\nSection 9: Protected No Claim Discount  30Where you can drive  31\nLosses we don\u2019t cover  33\nOther conditions you need to know about  36\nHow the policy works  37\nEverything else  41\nIf you have a complaint  42\nIf you\u2019re in an accident  43\nHow to get in touch  Back coverContentsWelcome to Churchill\nThis booklet tells you about your car insurance\nAbout the policy\nThe policy is made up of:\n >This booklet.\n >Your car insurance details.\n >Your certificate (or certificates)  \nof motor insurance.\nIf the policy includes Green Flag breakdown cover:\n >Your breakdown cover and your car \ninsurance are part of the same policy.\n >The policy also includes the Green Flag", "Other conditions you need to know about\nFollowing the policy terms\nWe\u2019ll only provide the cover set out in this policy\nif you keep to all the terms of the policy.\nThis includes Guaranteed Hire Car Plus or Motor \nLegal Cover if you have these covers.\nProviding accurate information\nYou must ensure that all information given \nto us is correct and complete to the best of your knowledge at all times. This includes information about all drivers under the policy\nor modifications to your car.\nIf you don\u2019t provide correct and complete information or inform us of any changes, this could invalidate your policy, increase \nyour premium or mean we don\u2019t pay claims in full or at all. \nTaking care of your car\nYou and any person who is covered by this \npolicy must do all of the following:\n>Make sure your car is roadworthy.\n>Take all reasonable steps to protect your car\nand its contents from loss or damage.\n>Make sure any property left in an open or the car.\n>With the engine running.\n>With a window or roof open.\nWhat\u2019s not included in my cover?\nWe don\u2019t cover things like:\n>Mechanical or electrical failure.\n>Wear and tear.\n>Damage to tyres caused by braking, punctures, cuts or bursts.\n>Breakdowns (if your policy includes \nGreen Flag breakdown, this may cover getting \nyour car  going again).\nWe won\u2019t provide cover if your car is being used:\n>By someone who\u2019s not insured on the policy.\n>By someone who\u2019s disqualified from driving.\n>For a purpose that\u2019s not allowed on the policy\n(as shown on your certificate of motor insurance).\nYou can find full details of what\u2019s not covered by the policy in each cover section, and in \u2018Losses \nwe don\u2019t cover\u2019 on page 33.\nDoes Churchill have approved repairers? \nChurchill customers have access to a national \nnetwork of approved repairers. If \nyour car  is \nrepaired by one of these, they\u2019ll deal with all aspects of your repair. What is DriveSure?\nDriveSure is our telematics insurance product.", "If your cover includes \nGreen Flag breakdown \n>If your breakdown cover includes \nEuropean Breakdown, the countries covered are different to the countries your car insurance covers. See the Green Flag policy booklet for details.Where you can drive continued of motor insurance.\nIf the policy includes Green Flag breakdown cover:\n >Your breakdown cover and your car \ninsurance are part of the same policy.\n >The policy also includes the Green Flag \npolicy booklet we\u2019ve given you.\nIf you have a policy that includes DriveSure:\n >The policy also includes the DriveSure terms \nand conditions we\u2019ve given you.\nPlease read all these documents carefully  and keep them safe in case you need them.Words in bold type\nSome of the words and phrases we use in \nthis booklet have a specific meaning \u2013 for example, your car or modifications.\nWe\u2019ve highlighted these words using bold type. You can find the exact meanings of  these words in the \u2018Glossary\u2019 on page 4,  or at the start of each section.\nComprehensive with DriveSure\nIf you have a Comprehensive with  \nDriveSure policy: \n >Your cover is the same as a  Comprehensive policy. \n >Wherever Comprehensive is  mentioned in this policy booklet,  this also applies to you."], "ground_truth": ["The policy documentation includes this booklet, your car insurance details, and your certificate(s) of motor insurance. If the policy includes Green Flag breakdown cover, it also includes the Green Flag policy booklet. If the policy includes DriveSure, it includes the DriveSure terms and conditions.", "To make a claim, ensure your safety, contact the insurance provider, report the incident, provide necessary details, and follow the insurer's instructions.", "Section 1: Liability covers legal liability for injury to others and damage to their property resulting from an accident involving your car.", "Section 2: Fire and Theft covers loss or damage to your car caused by fire, theft, or attempted theft, including the cost of repairs or replacement.", "Section 3: Courtesy Car provides a temporary replacement car if your vehicle is being repaired following an insured accident.", "Section 4: Accidental Damage covers the cost of repairing or replacing your car if it is damaged in an accident.", "Section 5: Windscreen Damage covers the repair or replacement of your car's windscreen and windows if they are damaged.", "Section 6: Personal Benefits covers various benefits, including personal accident coverage for you and your passengers, medical expenses incurred following an accident, and personal belongings damaged or stolen from your car.", "Section 7: Motor Legal Cover provides legal assistance and cover for legal costs incurred in pursuing a claim for uninsured losses following a motor accident.", "Section 8: Guaranteed Hire Car Plus provides you with a hire car if your vehicle is stolen or written off.", "Section 9: Protected No Claim Discount allows you to make a certain number of claims without affecting your no-claims discount.", "The policy covers driving within the geographical limits specified in the policy booklet. This typically includes driving within the UK and may extend to certain European countries, subject to the terms and conditions outlined in the policy.", "The policy does not cover losses such as wear and tear, mechanical or electrical breakdown, damage caused by using the car for unlawful purposes, and any loss or damage if the driver does not have a valid driving license. Detailed exclusions are listed in the 'Losses we don't cover' section.", "If you have a complaint, you should contact the insurance provider's customer service department. Provide details of your complaint and any relevant information. The insurer will investigate and respond to your complaint in accordance with their complaints handling process, aiming to resolve it satisfactorily.", "The 'Glossary' section provides definitions for specific terms and phrases used throughout the policy document. This helps you understand the exact meanings of these terms, ensuring clarity and avoiding misunderstandings.", "Modifications to your car should be reported to the insurer. The policy may not cover damage or incidents resulting from unreported modifications. Always check your policy for specific terms regarding modifications.", "The term 'Comprehensive with DriveSure' means that your policy includes all the benefits of a Comprehensive policy, along with additional features and services provided under the DriveSure program.", "Immediately after an accident, ensure everyone's safety and move to a safe location if possible. Exchange contact and insurance details with other parties involved, and contact your insurer to report the incident.", "DriveSure provides additional benefits such as regular vehicle health checks, driving tips, and possibly lower premiums based on safe driving habits. It enhances the standard coverage of a Comprehensive policy.", "You can contact customer service for assistance through the phone number or email address provided in your policy documents. Customer service can help with policy inquiries, claims, and other support.", "To add a new driver to your policy, contact your insurance provider with the details of the new driver, including their driving history and personal information. The insurer will update your policy and adjust your premium if necessary.", "The policy defines 'your car' as the vehicle described in your certificate of motor insurance, including its standard accessories and any modifications declared to and accepted by the insurer.", "In your policy details document, check for accurate information about your vehicle, coverage limits, premium amounts, and any endorsements or exclusions. Ensure all information is correct and up to date.", "To cancel your car insurance policy, contact your insurer directly. Provide your policy number and the date you want the cancellation to take effect. Be aware of any cancellation fees or refund policies.", "Claims can affect your no-claims discount by reducing the number of consecutive claim-free years. However, if you have a Protected No Claim Discount, you can make a certain number of claims without losing the discount.", "You should review your car insurance policy annually or whenever you experience significant changes, such as purchasing a new car, moving to a new location, or adding a new driver to your policy.", "Factors affecting your car insurance premium include your age, driving history, the make and model of your car, where you live, how you use your car, and any additional coverage or features you choose.", "You can get a copy of your insurance certificate by contacting your insurer or accessing your account on the insurer's website. A digital or physical copy will be provided upon request.", "Additional covers available under this policy may include breakdown cover, legal protection, personal accident coverage, and windscreen cover. These options provide extra protection beyond standard coverage.", "Green Flag breakdown cover provides roadside assistance and recovery services if your car breaks down. It includes services such as towing, emergency repairs, and assistance with flat tires or battery issues."]}