Free 7 Day Insurance - Vauxhall Free to go!

Free 7 Day Insurance, Vauxhall Insurance, Free To Go, Phone and Go, Drive Away Deals

7 Days Comprehensive Insurance absolutely free so you can drive your car away today!

How to apply

1 – Place your new or used car order with Aston Vauxhall

2 – Obtain your unique dealer number from Aston Vauxhall

3 – Call Vauxhall Insurance on 0844 84 85 840 to arrange cover 

 

Policy documents and your certificate will be e-mailed to Aston Vauxhall within the hour; this will then be presented to you at handover.

For full policy details, please see below.  

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Had an accident? Not your fault?

 

Click here for non fault accident support

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Had an accident? Need a repair estimate?

 

Call our Bodyshop Manager; Stuart Smith on 01664 412811

Or e-mail bodyshop@astonvauxhall.co.uk

Or click here for more information

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Had an accident? Need help?

 

Click here and here for 24 hour accident support and more information

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To obtain a car insurance quote from Vauxhall Insurance, click here

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                                        Vauxhall Free to go insurance

  

Policy information for Aston customers choosing to use the Free 7 Day Insurance Cover.

Valid as of March 2009 – Subject to change 

Policy Information – Section 1

What is covered;

We will insure you against loss or damage to your vehicle caused by:

  • accident or malicious damage
  • fire; or
  • theft or attempted theft

 

If your vehicle is damaged so that it cannot be driven safely and the damage is covered by this policy. We will pay the reasonable cost of moving your vehicle to the nearest repairer or to the nearest place where it can be stored safely. If the repairer is within the territorial limits. We will also pay the reasonable cost of returning your vehicle to your address after it has been repaired.  

 

Settling Claims

We will choose whether to repair or replace the insured vehicle or any parts, or to pay you a cash amount to settle your claim. If a repair improves the condition of the insured vehicle we may ask you to pay part of the repair cost.

We will pay up to the market value of your vehicle (as it is at the time of the loss or damage) but we will not pay more than the insured value. If we choose to pay you a cash amount to settle your claim and you are still paying for your vehicle under a finance agreement, we will first pay the finance company and then pay any amount that is left over to you.

We will pay the cost but only up to £100 to replace or repair permanently fitted audi and navigation systems if the equipment was supplied and fitted by the vehicle manufacturer.

 

Any payment under this policy is respect of loss or damage to your vehicle will be made to the legal owner.

New Vehicle Replacement

If your vehicle is less than 12 ,months old from the date of first registration , and is;

  • stolen and not recovered
  • damged so that the cost of repair is more than 60% of the makers current list price for a new vehicle of the same make, model and specification

We will replace your vehicle with a new vehicle of the same make, model and specification.

 

New vehicle replacement does not apply if:

  • your vehicle is more than one year old from the date of first registration at the time time of less or damage
  • you did not buy your vehicle from new
  • the repairs cost less than 60% from the manufacturers current price list or
  • a new replacement vehicle of the same make, model and specification is not available in the UK

 

We will only replace your vehicle if you ask us for this benefit and if a new vehicle of the same make, model and specification is available straight away in the UK. If you do not ask us for this benefit, or if a new vehicle of the same make, model and specification is not available straight away in the UK. We will settle your claim as shown in ‘Settling Claims’

If you are still paying for your vehicle under a finance agreement, we will need the finance company’s permission to settle the claim in this way.

 

Loss or damage to your vehicle – Section 2

What is not covered

We will not pay for the following:

  • Loss of use of your vehicle and any resulting costs or expenses. Loss of value because of damage whether you have it repaired or not. Wear and tear damage to tyres caused by punctures, cuts or bursts or damage caused by any mechanical, electrical, electronic chip or computer software breaking or failing to work properly.
  • Loss or damage if your vehicle is taken or driven without your permission by your employee or by a member of your family or by a person living in your home or by a person in a close personal relationship with you such as a girlfriend or boyfriend, unless there is evidence that they are being prosecuted for taking your vehicle.
  • Los or damage if your vehicle is taken or driven by a person who got your permission by pretending to be a buyer for your vehicle or by offering to sell it for you
  • Loss or damage caused by theft or attempted theft while nobody is in the vehicle, unless all the doors, windows and other openings are closed and locked, the vehicles key and any other door or ignition unlocking devices such as electronic fobs or cards are removed, and the vehicles electronic or mechanical security devices are set
  • Loss or damage to communication systems, phones, radar detectors, televisions, dvd players, portable navigation equipment or similar equipment
  • Any amount over £1000 to replace or repair permanently fitted audio and navigation systems
  • Loss or damage as a result of a deliberate act by anybody insured under this policy
  • Any extra costs resulting from parts or replacements for your vehicle not being easily available in the UK
  • The amount of any excess applying to claims under this section of the policy

Please also read the general exceptions and general conditions of the policy.

 

Legal liability to other people – Section 3

 

What is covered

We will cover your legal liability for the death or bodily injury to any person and damage to property caused by:

  • You using or driving your vehicle
  • An insured driver driving your vehicle for social, domestic and pleasure purposes with your permission
  • Any person using (but not driving) your vehicle for social, domestic, and pleasure purposes with your permission
  • Any passenger travelling in your vehicle or getting into or out of your vehicle with your permission

We will also cover the legal liability of the legal personal representatives of any person who has died and who was covered by this section of the policy for causing death, bodily injury or accidental damage,

We will also pay:

  • legal costs and expenses which we have previously agreed and which arise from any coroners inquest, fatal accident, injury or police prosecution in connection with an accident covered by this policy.
  • The cost of emergency treatment to injured people if the Road Traffic Acts say that the payment must be made and
  • Liability to other people when your vehicle is being used for towing any single trailer or caravan or broken-down vehicle while it is attached to your vehicle and allowed by law, unless you are being paid to tow the attached vehicles.

 

What is not covered

We will not pay for the following

  • Loss of or damage to any vehicle or property that belongs to, or is in the care of, any person, company of firm claiming under this policy section
  • Loss of or damage to any property being towed by, carried on, loaded on, or unleaded from your vehicle
  • Loss of or damage to any trailer, caravan or vehicle (or to any  property in the trailer, caravan or vehicle) being towed by your vehicle or being towed by a vehicle being driven by you
  • Any  liability which is covered under another insurance policy
  • Any liability for pollution or contamination unless it is caused by a sudden event which was not deliberate and not expected to happen
  • Any amount over £1,000,000 for pollution or contamination as a result of any claim or series of claims caused by one event
  • Any amount over £20,000,000 for damage to other peoples property (including any related indirect loss or damage) and any amount over £5,000,000 for related legal costs and expenses as a result of any claim or series of claims caused by one event
  • Any legal costs or other amounts that you pay or agree to pay, or that any person, company or firm claiming cover under this policy section pays or agrees to pay, without first getting our agreement
  • Any liability for loss, damage, death or injury that happens anywhere other than on a road and involves anyone, other than the insured driver or a passenger in your vehicle bringing property to your vehicle for loading or taking property away from your vehicle after unloading
  • Any liability for death or injury to an employee which arises out of or in the cause of their employment by your or by another person, company or firm covered by this section of the policy, however we give the minimum cover needed under the Road Traffic Acts.

 

Please also read the general exceptions and general conditions of the policy.  

Foreign travel – Section 3

Compulsory insurance cover outside the territorial limits

Your policy provides the minimum cover you need by law for civil liability to other people while your vehicle is used in;

1 – any country which is a member of the European Union

or

2 – any other country which the Commission of European Union approves as meeting the requirements of Article 7(2) of the European Community Directive on Insurance of Civil Liabilities arising from the use of motor vehicles (number 72/166/CEE). These countries are named on your certificate of insurance.

If the minimum insurance needed by law in Great Britain is higher then the minimum needed in the country where your vehicle is being used, we will provide the minimum needed in Great Britain. You do not need a ‘green card’ to take your vehicle to the countries described above if you take your certificate of insurance with you.  

 

What is not covered

What is not covered in section 2 is not covered under this section either (please see page 8). Please also read the general exceptions and general conditions of the policy.  

 

Personal accident benefits – Section 4

What is covered

We will pay £5,000 if your or your husband, wide or civil partner are accidentally killed or suffer an injury described below while travelling n, or getting into or out of your vehicle or any private motor.

Injury

  • Total and permanent loss of sight in one or both eyes
  • Total and permanent loss of use of of one or both hands or one or both feet

What is not covered

We will not pay the benefit if the injury or death

  • is the result of suicide or attempted
  • happens when the person killed or injured is under the influence of alcohol or drugs or
  • happen when the person killed or injured is aged over 80 on the date of the accident or
  • happens more than three months after the date of the accident or is not a direct result of the accident

We will not pay the benefit if you are a company or firm

We will not pay more than £5,000 in any one period of insurance, and we will not pay more than £5000 for a single accident, even if the person killed or injured in the accident is insured under more than one policy with us.

Please also read the general exceptions and general conditions of the policy. 

 

Windscreens and windows – Section 5

 

What is covered;

We will pay upto the amount of the windscreen limit shown in the schedule for accidental or malicious damage to the windscreen or windows of your vehicle including repairing scratches to the bodywork caused by the windscreen or winsows being broken by accidental or malicious damage. If a windscreen limit is not shown in the schedule, we will pay upto the market value of your vehicle, but we will not pay more than the insured value.

If you do not use our chosen windscreen and window repairer, the most we will pay under this section is £95 after deducting any excesses which you must pay. If you claim under this policy section, your no-claims discount will not be affected.

What is not covered;

We will not pay for the following;

  • Damage to any part of a glass or plastic sunroof, roof panel, or foldable roof or removeable hood of a convertible vehicle
  • Damage as a result of a deliberate act by anybody insured by this policy
  • Loss of use of your vehicle
  • Any extra costs returning from parts for your vehicle not being easily available in the UK
  • The amount of any excess applying to claims under this section of the policy

Please also read the general exceptions and general conditions of the policy 

 

Excesses

 

Compulsory excess

If your vehicle or any part of its accessories or spare parts are lost or damaged as a result of accidental damage, fire, theft, attempted theft or malicious, you will be responsible for the first part of the cost as shown in your schedule. You must pay the compulsory excesses as well as any other excesses that apply to your policy.

Windscreen excess

If your windscreen or windows of your vehicle are damaged as a result of accidental damage or malicious damage you will be responsible for the first part of the cost as shown in your schedule.

More than one excess can apply to your policy as shown in your schedule and you must pay all excesses that apply as the first part of any claim. Other excesses that may also apply are as descrivbed below. 

  • Young driver excess

If you make a valid claim under this policy involving a driver who is under the age of 25 at the time of the claim, you must pay an extra excess, as well as any other excesses shown in your schedule. 

 

General exceptions

This policy will not provide cover or benefits under the following circumstances

1 – We will not pay for any loss, damage or liability which arises while the vehicle is covered by the certificate of insurance

  • Used for a purpose which is not allowed by the current certificate of insurance
  • Driven by or is in the charge of a person who has your permission to drive and who is not an insured driver
  • Driven by a person who does not hold a driving license, unless the person has held and is not disqualified from holding  or getting a license
  • Driven by a person who is not keeping to the conditions of the driving license they hold or are entitled to hold
  • Used to take part in crime
  • Used in a place used for aircraft, taking off, landing, parking or moving including airport service roads that the general public are not allowed to use
  • Used in a race, speed trial, rally, track day or similar motor sporting event, or;
  • Used in an unsafe roadworthy condition

 

2 – We will not pay for any legal liability which arises under a contract or agreement unless the person, company or firm claiming cover under this policy would have had that liability if the contract or agreement had not existed

3 – We will not pay for any loss, damage, or liability which is the direct or indirect result of the following

  • war, revolution or any similar event
  • Actual or threatened terrorism or any similar event, or action to control, prevent or stop any terrorist event. (terrorism is any illegal action involving violence, force or danger to people or property that appears to be intended to;
    • cause fear among the people of a country or state
    • disrupt any part of the economy of a government, country or state or
    • affect the policy of a government
  • Earthquake, riot or civil disturbance outside Great Britain, the Isle of Man or the Channel Islands
  • Ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste
  • The radioactive, poisonous, explosive or other dangerous properties of any explosive nuclear equipment or any part of it
  • Pressure waves caused by aircraft or other flying objects travelling at or above the speed of sound
  • The commercial transportation or bulk hazardous materials such as;
    • liquefied petroleum or gasoline
    • chemicals or gases in liquid, compressed or gaseous forms, and
    • high explosive such as nitro glycerine, dynamite or any other similar explosive
  • Anything harmful contained in any goods or property being towed by, carried on, supplied from, loaded on or unloaded from your vehicle
  • Any harmful or incorrect medical treatment or help given at or from your vehicle

However, we will provide the cover needed under the Road Traffic Acts for all the events shown above.

 

4 – We will not pay for any loss, damage or liability for which legal proceedings have been brought or judgement given in a court outside of the UK, unless the proceedings or judgement are in a foreign country because your vehicle was being used in that country and we had agreed to provide insurance in that country. 

General conditions

1 – Your duty

We will only provide the insurance cover set out in this policy if;

  • you and any person, company or firm claiming cover under the policy keep to the conditions of the policy, and
  • the statement of fact does not contain any fact or declaration which is not true, and you have told us about any circumstances likely to affect our decision to accept your application for insurance cover

 

2 – Other insurance

If any other insurance policies cover the same loss, damage or liability as this policy, we will not be liable under the policy

3 – Taking care of the vehicle and any trailer or caravan towed by the vehicle

You and any other person, company or firm insured by the policy must take all responsible steps to prevent loss of or damage to any vehicle insured by the policy and to keep vehicle and any trailer or caravan towed by the vehicle in a safe and roadworthy condition. We may examine the vehicle, trailer or caravan at any time.

4 – Our right of recovery

If we have to settle a claim under the law of any country and we would not have paid that claim under the terms of the policy. We can get back from the amount of any payment we have to make.

 

5 – Claim procedure

After any less, damage or accident, you and any person, company or firm insured by the policy must

  • report the incident to us within 48 hours by phoning our Vauxhall Claims Helpline on 0844 8485844
  • give us all the information that we ask for
  • send us every letter, claim, writ or summons immediately without answering it, and
  • tell us immediately if there is to be a prosecution, inquest or any other court proceedings

6 – Defending or settling a claim

You and any person, company or firm insured by the policy must not admit liability for any loss or damage, or make any offer to pay any claim

We are entitled to decide exactly how to carry out any legal proceedings or settle any claim and to

  • take over and defend or settle any claim in the name of any person, company or firm insured by the policy, and
  • take legal action in your name, or in the name of any person, company or firm insured by the policy, to get back any payment we make

 

7 – Fraud

We will not pay any less, damage or liability if you or any person, company or firm insured by the policy makes a claim that is dishonest or exaggerated, or makes a false statement or provides false documents to support a claim

8 – Car sharing

This policy does not insure anyone to use your vehicle for hire or reward. However, if passengers in your vehicle make a payment towards the cost of a journey, we will not class this as use for hire or reward if;

  • your vehicle is not designed or adapted to carry more than seven people including the driver
  • the passengers are not being carried in the course of a business of carrying passengers, and
  • the total of the payments made by all the passengers does not include a profit

 

9 – Customer acceptance

It is a condition precedent to our liability that

  • the insured driver has completed and signed a statement of fact form acceptable to us
  • you will take all reasonable care to ensure that the statement of fact form is completed accurately

10 – Changes in circumstances

You must tell us, as soon as possible about any change in circumstances likely to affect our decision to continue the insurance. Examples of these changes are;

  • Any changes to your vehicle, including engine modifications and changes such as fitting alloy wheels, spoilers or skirts
  • Any problem to do with the health of any person who will drive your vehicle
  • A motoring accident, insurance claim, motoring conviction or fixed penalty offence involving any person who will drive your vehicle
  • Changes in the ownership of use of your vehicle or in the job of any person who will drive your vehicle
  • Changes to your address or the address where your vehicle is usually kept, and

If a person whose details you have not already given us is likely to drive your vehicle, you must give us their full details

 

11 – Cancelling your policy

As this is a free seven day policy there is no cancellation clause 

Complaints procedure

We will be pleased to send you a copy of our procedures for handling complaints if you ask us. If you are not satisfied with our service, please let us know straight away by phoning us on 01422 331166. if you want to make a complaint in writing or you need more help, please contact our Customer Relations Office at:

Customer Relations

PO Box 549

Halifax

HX1 9GX

Fax – 01422 438488

E-mail – customerrelations@providentinsurance.co.uk

 

Please tell us your claim reference number, your policy number on your insurance certificate number when you contact us. Please also give us your daytime and evening phone numbers. For your and our protection, and for training purposes, we may record or monitor phone calls.

If you are not satisfied with our final response to your complaint, or we have not given you our final response within eight weeks, you may refer your complaint to the Financial Ombudsman Service (FOS) at;

The Financial Ombudsman Service

South Quay Plaza

183 Marsh Wall

London

E14 9SR

Phone 0845 0801800

www.financial-ombudsman.org.uk

 

The FOS will only deal with your complaint if you are a private policyholder, a business with a group turnover each year of less than £1000000, a charity with an income each year of less than £1000000 or a trustee of a trust with a net asset value of less than £1000000.

Your legal rights are not affected if you take any of the steps shown above.

Other important information

We are authorised and regulated by the Financial Services Authority as an insurance company under registration number 202167. You can get more information at www.fas.gov.uk or you can phone the FSA on 0845 6061234

We are covered by the Financial Services Compensation Scheme. You may be able to get compensation from the scheme if we cannot continue trding. You can get more information about this at www.fscs.org.uk or you can phone the FSCS on 020 78927300

Motor Insurance Database – We will add your policy details to the Motor Insurance Database (MID) , run by the Motor Inusrers Information Centre (MIIC). The DVLA and DVLNI may use this information for the purpose of electronic vehicle licensing. The police may also use it to see whether a driver is using their vehicle legally or to prevent and detect crime. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor Bureau and MIIC may search database to gather relevant policy information. Anyone making a claim for a road traffic accident (including citizens of other countries) may also gather relevant information which is held on the database. You can find out more about this from us, or at www.miic.org.uk

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