Vehicle Check Data Insurance

About The Vehicle Check Data Insurance

Vehicle Check takes every precaution to ensure that the data supplied to you is correct and complete. However due to the complexity of the data providers it is possible that a piece of information is not passed to us. To ensure that you do not suffer a financial loss due to incorrect or incomplete data we are able to offer Vehicle Check Data Insurance from Pinnacle Insurance plc. This is included at no extra cost in the Vehicle Check and covers the data provided up to a maximum of £30,000, or the purchase price, (whichever is the lower), for two years.

This insurance is provided on the vehicle you eventually purchase, not every vehicle you check. Once you have checked out a few vehicles and made your decision to purchase one of them, you should check the terms and conditions of the insurance policy to ensure that you will be able to qualify for the insurance. The main benefits, conditions and exclusions are shown in the Policy Summary. You should also read our Buying Advice and use the check list provided to ensure that you are being prudent with your purchase.

As soon as possible after you have purchased the vehicle you should return to this site to register the Vehicle Check Data Insurance. You will need to state the date purchased, the amount paid and whether it was a private sale, from a motor dealer or auction.

Please note that once you have registered the Vehicle Check Data Insurance any remaining checks will be void if purchased as part of a Multiple Vehicle Check.

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How To Register Your Vehicle Check Data Insurance

To register your insurance you will need to confirm the vehicle's VIN which can usually be found in the engine compartment.

Once you have done this, you will be given the option to register the insurance on that vehicle and you will need to supply the following:

• Purchase date
• Amount paid
• Type of sale (e.g. private sale or motor dealer)

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Vehicle Data Insurance - Policy Summary

This policy summary does not contain the full terms and conditions in the Group Policy 02254. A printable version of the terms and conditions is available on-line and on request from the Insurer.

Who Is The Insurer?

The Insurer of this policy is Pinnacle Insurance plc, Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX, United Kingdom.

Cardif Pinnacle is a trading style of Pinnacle Insurance plc.

Type of Insurance

Vehicle Data Insurance will reimburse you in the event that you suffer a financial loss within the insured period arising solely because the Vehicle Data Check is inaccurate in respect of the reasons stated in the policy.

Eligibility

You will be eligible for Vehicle Data Insurance provided you:

• are aged at least 18 years; and
• have paid the cost of the Vehicle Data Check at the commencement date.

Benefits

We will pay you except where and to the extent that a warning specifically limiting the benefits has been given in the Vehicle Data Check, for:

• any outstanding loans or finance on the insured vehicle by previous owners;
• the loss of the vehicle as a result of it having been reported stolen prior to the commencement date;
• the reduction in market value of the vehicle where the vehicle has been written off having previously been considered beyond economic repair by an Insurer;

losses due to finance, theft or total loss categories A and B are covered up to a maximum of £30,000 or the purchase price of the vehicle, whichever is the lower. Total loss categories C and D are covered up to a maximum of £15,000 or 50% of the purchase price, whichever is the lower.

Significant Exclusions and Conditions

The most significant exclusions of this policy are set out below, but there are other exclusions and conditions that may be significant to you. For full details of the exclusions, please refer to Clause 3 and 4 in the policy document.

• Any loss resulting from any incident prior to the vehicles first registration with DVLA or DVLNI.
• Any loss where a vehicle has been purchased without a valid MOT Test Certificate (where compulsory).
• Any loss as a result of the vehicle bearing false Vehicle Registration Marks or Vehicle Identification Numbers.
• Any loss arising from a fraudulent transaction.
• Legal costs, expenses, loss of use or loss of profit incurred by the Insured.
• Any loss sustained where the vehicle has not been purchased from the registered keeper if a private sale.
• Where the insured is deemed not to be a Prudent Purchaser.
• Where the Vehicle Identification Number (VIN) supplied by the insured does not correspond with the VIN on the vehicle or that confirmed by the Vehicle Data Check.

Policy Duration

The policy will last for the insured period of 24 months from the commencement date.

Cancellation Rights

You may cancel this cover within the first 14 days. However, in view of the small amount of premium and the immediate incidence of risk under this policy, no refund is payable.

How to claim

If you wish to make a claim you can obtain a claim form from Experian by writing to Experian Claims Department, Landmark House, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ or telephone 0870 333 8030.

Enquiries and Complaints

While it is always the intention to provide a first class standard of service, if you do have any concerns regarding this insurance cover, in the first instance please address your concerns to:

Should the matter remain unresolved, you should then write to:

Should you remain dissatisfied with the outcome of any internal enquiries, you have the right to refer the complaint to:

This procedure will not prejudice your right to take legal proceedings. However please note there are some instances when the FOS cannot consider complaints.

A leaflet detailing the full complaints/appeals process is available from Cardif Pinnacle on request.

Customer compensation

Pinnacle Insurance plc is covered by the Financial Services Compensation Scheme (the "Scheme"). You may be entitled to compensation from "the Scheme" if Pinnacle Insurance plc cannot meet its obligations. This depends on the type of business. Most types of insurance business are covered for 100% of the first £2,000 of a valid claim and 90% of the remaining amount of the loss.

Further information about compensation arrangements is available from the Financial Services Compensation Scheme, telephone number 020 7892 7300.

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Vehicle Data Check Insurance - Terms And Conditions

Underwritten by

Pinnacle Insurance plc

Head and Registered Office

Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX

Company Registered No.

1007798

Policy No.

02254

Date of Policy

1st April 2007

Policy Holder

Experian Limited

Registered Office

Landmark House, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ

This policy records that in consideration of purchasing the Vehicle Data Check, the Company will provide the Vehicle Data insurance cover described in this policy in respect of the insured. Furthermore, this policy is subject to the terms and conditions set out below.

1. INTERPRETATION

   In this policy, the following words have the following meanings:
   • "Commencement Date" means in respect of each insured vehicle, the date the Vehicle Data Check is performed;
   • "Company" means Pinnacle Insurance plc, Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX;
   • "Experian" means Experian Limited, Landmark House, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ
   • "Glass's" means Glass's Information Services Limited, 1 Princess Road, Weybridge, Surrey, KT13 9TU – the provider of used vehicle valuations;
   • "Import" means the insured vehicle has been used outside the European Union before its first registration with the DVLA or DVLNI;
   • "Insured" means the individual who is provided with the information disclosed by the Vehicle Data Check and is named in the Vehicle Data Check as the purchaser of the insured vehicle;
   • "Insured Period" means in respect of each insured vehicle, a period of 24 months from the commencement date;
   • "Insured Vehicle" means the car, motorcycle or light commercial vehicle up to 3.5 tonnes identified in the Vehicle Data Check which has been purchased in the United Kingdom by the insured after the commencement date;
   • "Market Value" means the average retail value calculated by Glass's for a vehicle of the same type, age, mileage and average condition as the insured vehicle;
   • "Reasonably Prudent Purchaser" means a purchaser who is deemed to be put on notice that the genuineness of the vehicle may not be as portrayed by the vendor and must take all precautions to avoid losses when purchasing the vehicle by carefully checking that all information supplied by the seller during the purchase is correct;
   • "Total Loss Insurance Claim" means a claim for damage to the insured vehicle under a policy of motor insurance which is settled by the motor insurer prior to the commencement date by the provision of a replacement vehicle or by a monetary payment because the insured vehicle is considered to be beyond economic repair. This information must be verified by a member company of the Association of British Insurers or by Underwriters at Lloyds of London;
   • "Vehicle Data Check" means the vehicle data check service provided by Experian which gives information in respect of the insured vehicle.

2. BENEFITS

   • 2.1. The Company will, except where and to the extent that a warning specifically limiting the benefits has been given in the Vehicle Data Check, cover the insured for:
     • 2.1.1. their actual financial loss within the insured period arising solely and directly from the Vehicle Data Check being inaccurate or incomplete due to:
       1. additional payments being made by the insured with the agreement of the Company to secure full title to the insured vehicle, by the insured settling outstanding loans or other finance secured against the insured vehicle by previous owners; or
       2. a decrease in the market value of the insured vehicle, due solely to the insured purchasing the insured vehicle where the insured vehicle is a salvaged vehicle following a category A or B total loss insurance claim as confirmed by the insurer making that declaration; or
       3. the loss of the insured vehicle (or additional payments being made by the insured with the agreement of the Company to secure full title to the insured vehicle), due solely to the insured vehicle having been reported stolen to the police prior to the commencement date and the insured failing to obtain good title to the insured vehicle.
       In respect of any one insured vehicle, the maximum benefit payable under Clause 2.1.1. shall be the market value of the vehicle on the date of receipt of a claim by the Company, up to a total maximum of £30,000 in respect of this policy;
     • 2.1.2. the actual reduction in market value of the insured vehicle arising within the insured period due solely and directly from the Vehicle Data Check in respect of total loss insurance claims (apart from category A or B) being inaccurate or incomplete, up to a total maximum of 50% of the purchase price of the insured vehicle or £15,000 in respect of this policy.
     • 2.1.3. the actual reduction in market value of the insured vehicle arising within the insured period due solely and directly from the Vehicle Data Check not recording the insured vehicle as an import or export vehicle, up to a total maximum of 10% of the purchase price of the insured vehicle or £3,000 in respect of this policy.
   • 2.2. In addition to the benefits described in Clause 2.1. above, the Company will pay to the insured the following one-off lump sum payments, (except where and to the extent that a warning specifically limiting the benefits has been given in the Vehicle Data Check):
     • 2.2.1 £250 - where the number of previous registered keepers of the insured vehicle recorded in the Vehicle Data Check does not match the number of previous registered keepers recorded with the DVLA or DVLNI;
     • 2.2.2 £50 - where the insured vehicle has changed colour and this has not been recorded in the Vehicle Data Check, but has been recorded with the DVLA or DVLNI; and
     • 2.2.3 £50 - where the mileage details for the insured vehicle recorded in the Vehicle Data Check do not include a previous higher mileage reading.
     The insured will need to provide written documentary evidence to the Company's reasonable satisfaction when making a claim.

3. EXCLUSIONS

   The Company shall not be liable for:
   • 3.1. the results of loss, destruction or damage to the insured vehicle occurring after the commencement date;
   • 3.2. any loss resulting from an insured vehicle which is not registered with the DVLA in the United Kingdom (or DVLNI in Northern Ireland) or which bears a Vehicle Registration Mark with the prefix or suffix letter Q or losses in respect of vehicles registered in Jersey, Guernsey or the Isle of Man;
   • 3.3. any vehicle purchased outside the United Kingdom;
   • 3.4. any loss resulting from any incident prior to the insured vehicle's first registration with the DVLA or DVLNI;
   • 3.5. any loss in respect of an insured vehicle purchased without a valid MOT Test Certificate (where compulsory);
   • 3.6. the purchase of a vehicle where the Vehicle Identification Number supplied by the insured does not correspond with the Vehicle Registration Mark held by the DVLA or DVLNI for that Vehicle Identification Number;
   • 3.7. any loss arising from a fraudulent transaction which prevents good title being passed from the vendor;
   • 3.8. any loss as the result of the insured vehicle bearing false Vehicle Registration Marks or Vehicle Identification Numbers;
   • 3.9. legal costs or expenses incurred by the insured;
   • 3.10. the cost of repair to or refurbishment of the insured vehicle, loss of anticipated profit from its use or sale, loss of use or any financial loss connected with the loss of use or any losses relating to business interests, including without limitation, lost data, lost profits, loss of opportunity or business interruption; or
   • 3.11. VAT recoverable by the insured.

4. CONDITIONS

   • 4.1. The insured must be at least 18 years of age to be eligible to qualify for cover under this insurance cover.
   • 4.2. The cost of the Vehicle Data Check must have been paid at the commencement date.
   • 4.3. No benefit is payable under this insurance if the insured at the time of the Vehicle Data Check has any prior knowledge of the circumstances which give rise to a claim; or failed to confirm before making the purchase that the Vehicle Identification Number held by Vehicle Data Check matched the Vehicle Identification Number on the vehicle and the V5C; or failed to confirm that the Vehicle Identification Number, Vehicle Registration Mark and other details provided as part of the Vehicle Data Check were compatible with those of the actual vehicle; or ignored any information disclosed by the Vehicle Data Check which would reasonably put a potential purchaser of the insured vehicle on notice that the insured vehicle should not be purchased.
   • 4.4. The insured is under an obligation to act as a reasonably prudent purchaser in the event that the purchase price of the vehicle is 30% or more below the market value and not to purchase the vehicle if any details provided by the vendor do not accord with the Vehicle Data Check.
   • 4.5. If the insured vehicle is being bought privately (i.e. not from a motor dealer) then the insured must purchase the insured vehicle from the keeper stated on the V5C registration document and obtain a valid receipt. In all cases the insured must verify the identity of the seller, and check their name and address against the details in the vehicle registration document (V5C).
   • 4.6. The Company shall have the right to inspect the insured vehicle and the insured shall provide to the Company at their own expense and in writing all details of the claim together with such proofs, explanation and other evidence as may be reasonably required by the Company.
   • 4.7. All benefit under this insurance is forfeited if any claim made by the insured is knowingly false or fraudulent.
   • 4.8. The Company may at its expense take such proceedings as it sees fit in the name of the insured to enforce any rights and remedies against or obtain relief or reimbursement or compensation from other parties to which the Company shall be or may become entitled or subrogated under this insurance and the insured shall at the request and expense of the Company do such acts and things as may reasonably required by the Company for that purpose.
   • 4.9. The insured shall take all reasonable precautions to avoid losses which are or may be recoverable under this insurance.

5. CLAIMS

   • 5.1. In the event of any occurrence giving rise or likely to give rise to a claim under this policy the insured must at their own expense and without delay:
     • 5.1.1. request a claim form from Experian Claims Department, Landmark House, Experian Way, NG2 Business Park, Nottingham NG80 1ZZ, Telephone: 0870 333 8030; and
     • 5.1.2. send written notice of the facts on which the claim is made to Experian at the above address in a form approved by the Company and provide to Experian any additional information as the Company may reasonably require, including full details of all efforts made to recover any loss incurred as soon as reasonably possible and in any event within 30 days of the date of loss.
   • 5.2. If in the Company's reasonable opinion the insured has not taken all reasonable steps to recover the loss from the person or company from whom the vehicle was purchased or from any other party against whom there may be a right of action, the Company reserves the right to withhold settlement of any claims until such time as such steps have been taken.

6. CANCELLATION

   The insured may cancel this insurance within 14 days of receiving the policy documentation. However, in view of the small amount of premium and the immediate incidence of risk under this policy, the insured will not receive a refund of any part of the premium once the Company's time on risk and reasonable administration fee have been levied. All cancellation requests should be made in writing to Experian.

7. GENERAL CONDITIONS

   • 7.1. The contract between the insured and the company is made up of this policy and any endorsement to this policy.
   • 7.2. This policy cannot be assigned or charged in any manner whatsoever.
   • 7.3. This policy shall not acquire a surrender value.
   • 7.4. The parties to this insurance are free to choose the law applicable to it. Without agreement to the contrary English Law will apply. If the insured lives in Scotland, Wales, Northern Ireland, the Channel Islands or the Isle of Man, the insured will be entitled to commence legal proceedings in their local courts.
   • 7.5 The Company is covered by the Financial Services Compensation Scheme (the "Scheme"). The insured may be entitled to compensation from the Scheme if the Company cannot meet its obligations. The amount of compensation depends on the type of business. Most types of insurance business are covered for 100% of the first £2,000 of a valid claim and 90% of the remaining amount of the loss. Further information about compensation arrangements is available from the Financial Services Compensation Scheme, telephone number 020 7892 7300.

While it is always the Company's intention to provide a first class standard of service, if the insured does have any concerns regarding this insurance cover, please in the first instance address them to: Experian Claims Department, Landmark House, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. Should the matter remain unresolved the insured should then write to: Customer Relations Manager, Cardif Pinnacle^*, Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX. Should the insured remain dissatisfied with the outcome of any internal enquiries, the insured has the right to refer the complaint to: The Financial Ombudsman Service (FOS), South Quay Plaza, 183 Marsh Wall, London E14 9SR This procedure will not prejudice the insured's right to take legal proceedings. However, please note that there are some instances when the FOS cannot consider complaints. A leaflet detailing the full complaints/appeals process is available from the Company on request.

^*Cardif Pinnacle is a trading style of Pinnacle Insurance plc.

GP2255 v1 Final 140307

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