The "beat any
quote" is not available to existing customers of Waveney Insurance.
We Guarantee to beat any competitors Quote.
Policy Cover
Accidental damage following a fault or non-fault accident, fire, theft, attempted theft, malicious damage,
Windscreen or window breakage plus many other valuable benefits as detailed below:
New-for-old cover if your car is within one year of registration as new in your name, and is stolen and not recovered or is damaged and the repair cost exceeds 60% of the manufacturer’s list value
Cover is subject to a single policy excess of either £100 or £150 (dependant on instructors choice) FOR ALL DRIVERS whilst they are under-going professional driving tuition
MSL Total Claims Management - professionally manages your claim from ‘start to finish’ and offers unlimited use of a dual controlled replacement car following a non-fault accident (fourteen days in the event of a fault accident, fire, theft, attempted theft and/or malicious damage loss)
The policy excess IS DELETED if you have a non-fault accident and use an MSL approved repairer
Legal expenses cover (£100,000 indemnity) - pursues claims against a third party insurance company or an individual for uninsured losses sustained following a non-fault accident, such as your policy excess, loss of earnings, injuries, damaged clothing, sundry expenses etc
Any authorised driver over 17 years of age (over 16 years of age if an appropriate driving licence is held)
Pleasure, driving tuition, driving test and use in connection with your business as a driving instructor
Covers drivers under-going driving tuition with accidents, claims, conviction records and/or disabilities
Off-road driving tuition cover for drivers aged 16 (or over) whilst under-going professional driving tuition
Includes post-test training - Pass Plus, advanced driver, banned driver re-tests, fleet driver, refresher courses
GUARANTEED BONUS is available (see below for details of cover)
Windscreen/window breakage - subject to a £60 excess but THIS IS DELETED in the event that the windscreen/window can be repaired
Public liability cover - protects you against third party injury claims or third party property damage claims
Driving instructor liability - protects you against injury claims made by pupils under-going professional driving tuition who consider that there is negligence on the part of an instructor following an accident
Foreign travel cover - up to 90 days in any one insurance year (countries as per policy)
Personal effects benefits - £100 following an accident, fire, theft or attempted theft
Personal accident benefits - £5,000 following your death, loss of sight or loss of limb
Permanently fitted audio/visual/telecommunication/navigation equipment - £500
Please always refer to the insurance policy for full details of cover, terms, conditions and exclusions
EU Breakdown Cover (Charged at £45.00 Where cover requested)
1. Emergency roadside repairs and
home breakdown:
We will pay the call-out charge and up to one hour labour costs for one of our
approved repairers to attend the scene of the breakdown and where possible,
carry out emergency repairs.
2. Vehicle recovery
If the vehicle cannot be repaired
within one hour at the scene of the breakdown, we will pay for the method of
transporting the vehicle and insured person(s) to a single destination being
either:
a) one of our approved repairers; or
b) if the insured person wishes, their home address, provided it is nearer.
3. Getting you to your destination
If the vehicle cannot be repaired
on the same day as the breakdown, we will pay:
a) the cost of transporting the vehicle or insured persons or both to a
destination within the territorial limit;
or
b) an insured person's hotel accommodation costs of up to £50 per insured
person per night, with a maximum of £250 for all claims arising from any
one breakdown.
At all times we decide on the best way of providing breakdown assistance.
Motor Legal Expenses Insurance
On average every year around 6% of
all motorists in the UK are unlucky enough to be involved in a non fault road
traffic accident.
Accidents will happen!
KEYstart is a specially designed
Motor Legal Expenses Policy that will assist you to recover all or any of your
uninsured losses which may include – compensation for injury, loss of
earnings, medical fees, policy excess and damage to personal effects.
The KEYstart policy provides up to £100,000 of legal costs per claim,
access to a 24-hour freephone helpline, and to professional advice through our
nation-wide panel of solicitors who have specialist knowledge and experience
in dealing with road traffic accidents.
KEYstart Policy Provides:
Replacement Vehicle
If you are involved in a motor accident
that is not your fault, MSL can ensure that you remain mobile. MSL can arrange
collection and delivery of a suitable vehicle through our nation-wide car hire
service. We are equipped with our own comprehensive fleet of modern vehicles
ranging from small to large cars, prestige vehicles, dual control vehicles,
vans, disabled driver vehicles and four wheel drives.
The cost of the replacement vehicle is recoverable from the fault party. You
are insured for these costs in the unlikely event that you are unable to recover
from them.
Policy Excess
If you have a policy excess on your motor policy MSL will seek to recover this.
Personal Injury Compensation
The policy entitles you to claim damages for yourself and your passengers.
Medical Fees
Recovery of any reasonable medical fees resulting from your accident.
Loss of Earnings
If you are unable to work following your accident, your losses can be included
in your claim.
Vehicle Recovery & Storage
Costs
If your vehicle cannot be driven after an accident, reasonable costs of recovering
and storing your vehicle can be included in your claim.
Total Loss Negotiation / Valuation
Service
In the event that your vehicle is a total loss and there is a dispute on valuation,
MSL will assist you.
Damage to Personal Effects
Compensation for any damage to your personal effects or those your passengers
as a result of an accident can be included in your claim.
Hotel Accommodation
If you have had an accident and are unable to continue your journey, reasonable
costs of hotel accommodation can be included in your claim.
Messenger Service
MSL’s 24-hour helpline provides a messaging service enabling you to pass
a message to family and friends.
Legal Representation
You will have access to our nation-wide panel of solicitors or MSL’s own
expert ‘in-house’ claims department who have extensive experience
and knowledge ensuring professional and efficient handling of your claim.
MSL KEYstart Claims Service
Following a non-fault accident ring MSL’s dedicated 24-hour freephone
helpline: 0808 1444909
Replacement Vehicle and Legal Representation can be arranged immediately. MSL
will assist you to recover all or any of your uninsured losses.
For a full list of our Terms & Conditions please click
here