Private Car Excess Insurance

HOW TO CLAIM


STEP ONE – CHECK YOUR CERTIFICATE

Read your Certificate first so that you are satisfied that you are covered for the claim you want to make. Read any exclusions that may apply and make sure you understand them.

STEP TWO – NOTIFY THE CLAIM

All claims must be notified to our Claims Administrator, Car Care Plan, their details are shown in a separate box.

You should do this within 30 days of the date the claim under your Primary Insurance Policy occurred. If you do not, it might mean that we will be unable to pay for the excess.

Please tell them the policy reference number which will be shown in your Insurance Schedule. If you are not sure whether you can claim, please talk to the Claims Administrator who will be happy to help you.

Claims Administrator Contact Details

Car Care Plan
The Specialist Claims Team
Midpoint Business Park
Thornbury
West Yorkshire
BS3 7AG

Telephone: + 44 (0)344 573 8240
Email: specialist.claims@carcareplan.co.uk

 

STEP THREE – AFTER THE CLAIM IS NOTIFIED

The Claims Administrator will send you a claim form, which you should fill in and send back to them as soon as possible.

The Claims Administrator will arrange to pay your excess to the Vehicle Repairer on your behalf.

You must also provide a copy of the settlement letter from the insurer of your Primary Insurance Policy giving details of the date of the claim incident and which clearly states the amount of the excess.

The Claims Administrator will tell you if they need any more information or documentation from you.

If for any reason the Claims Administrator fails to pay your excess to the Vehicle Repairer, you can claim back the excess from us.

PLEASE NOTE: FAILURE TO FOLLOW THESE STEPS MAY DELAY AND / OR JEOPARDISE THE PAYMENT OF YOUR CLAIM.

CLAIMS CONDITIONS – Things to keep in mind when making a claim

Right of Recovery

The insurers can take proceedings in your name but at their expense to recover for their benefit the amount of any payment made under this Certificate.

Driving Licence

The insurer will only give you the cover that is described in your Insurance Certificate in respect of any excess under a motor insurance policy if you have a current full and valid UK driving licence, or hold a full internationally recognised licence.

Keeping to the Terms

The insurer will only give you the cover that is described in your Insurance Certificate if you comply with all its terms.

Fraudulent Claims or Misleading Information

The insurers take a robust approach to fraud prevention in order to keep premium rates down. If any claim under this insurance is fraudulent or is intended to mislead, or if any misleading or fraudulent means are used by you or anyone acting on your behalf to obtain benefit under this insurance, your right to any benefit under this insurance will end, your cover will be cancelled and the insurer will be entitled to recover any benefit paid and costs incurred as a result of any such fraudulent or misleading claim. The insurer may also inform the police.

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