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Car Hire Excess Insurance Definitions

This document only constitutes a valid insurance when issued in conjunction with a validation certificate issued between 01/10/2012 and 30/09/2013 for journeys ending prior to 30/10/2014

The benefits under this certificate are provided by Jubilee, Lloyd's Syndicate 5820. Registered Office: 47 Mark Lane, London EC3R 7QQ. Company registered in England No. 04434499.

This policy is a contract of insurance. It contains details of the cover, conditions and exclusions relating to each Insured Person and is the basis on which all claims will be settled. In consideration of the payment of the required premium, Jubilee, Lloyd's Syndicate 5820 hereby agree to pay or indemnify the Insured Person or his/her personal representative as follows; subject to the terms conditions and exclusions of this policy, on the schedule and in the application form. We must draw your attention to a number of important features of this insurance

Please read these features and the whole of this document carefully.

Important Features

Insurance Policy: this contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.

Conditions and Exclusions and Warranties: there are conditions and exclusions, which apply to individual sections and general conditions and exclusions and warranties, which apply to the whole policy.

Date Change Exclusion: Changes in dates and other systems containing computer chips, which depend on date-related information in order to work properly. Other than in respect of Sections 1, 2, 3 and 4, your policy excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognize or process any date as its true calendar date.

Policy Limits: most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits.

Complaints: the insurance policy includes a complaints procedure, which tells you what steps you, can take if you wish to make a complaint.

"Cooling Off" Period: the policy contains a "cooling off" period, which allows you to return it and obtain, a full refund if you have a reason to be dissatisfied with the cover provided, providing that this is done within 14 days from the date of issue and the policy and the policy has not been used or subject to a possible claim.

Governing Law: Your policy is governed by the law applicable to where you reside within the United Kingdom.

The policy applies to all persons named on the Validation Certificate who are eligible to be insured and for whom the premium has been paid.