Stellantis Insurance
Insurance Product Information Document
Company: Wrisk Transfer Limited, authorised and regulated in the UK by the Financial Conduct Authority under ref no. 788062
Product: Subscription Car Insurance
Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule.
What is this type of insurance?
This is a perpetual monthly subscription car insurance policy, meaning cover will continue until you or we cancel, which provides cover against damage to your car or damage caused by your car, as summarised below. You may also include optional cover upgrades, such as NCB Protection if eligible.
What is insured?
- Loss of or damage to your car: Resulting from accidental damage, fire or theft.
- Third party liability: Following an accident, we’ll cover your liability to other people for injury (unlimited) or damage to their property (up to £20 million).
- Foreign travel: Full policy cover for up to 90 days within the Territorial Limits between the start date and anniversary and every year between 2 anniversaries.
- Replacement locks and keys: Cover to the value of £1,000 if your car keys are lost or stolen.
- Courtesy car: You may keep the courtesy car for a period of up to 14 days or until your car is returned to you (whichever is less) where your car is repairable or deemed a total loss, subject to availability.
- Windscreen cover: Glass repair or replacement is covered up to the market value of your car.
- Car contents and personal belongings: Cover up to £250 for items in your car or roof box.
- Replacement child car seat: Cover in the event of an accident which involves impact damage.
- Driving other cars: Your liability to others when you are driving any car that is not covered under this policy, if this is shown on your Certificate of Motor Insurance.
- Personal accident cover up to £5,000 per person up to a maximum of £20,000.
- Medical expenses of £100 per person, up to £500.
- Uninsured driver promise: If you make a claim against an uninsured driver for an incident that isn’t your fault, you’ll keep your No Claims Bonus.
- Electric vehicles: Cover for your battery and charging cables.
Optional covers
- No Claims Bonus Protection: Allows you to make a limited number of claims without losing your No Claims Bonus.
What is not insured?
- Any loss, damage or liability if you are not aged 17 to 90 and do not live permanently in the United Kingdom or the Isle of Man.
- Any loss, damage or liability if your car is not taxed and registered in the United Kingdom or the Isle of Man.
- Any travel outside the territorial limits.
- Death or Bodily Injury caused by alcohol, drugs, racing, not wearing a seatbelt, or any event caused intentionally by an insured person.
- All points under the General Exclusions section of the Policy Wording are not covered.
- All points listed in the “What is not covered” column of each section of the Policy Wording are not covered.
- Driving other cars that are light commercial vehicles or car derived vans.
- A courtesy car in the event of theft or attempted theft of your car.
Are there any restrictions on cover?
- You are only covered in the United Kingdom and the Isle of Man in respect of loss of or damage to your car subject to Section 7 in your policy wording.
- Theft or attempted theft of your car if your car is unoccupied at the time of the theft, unless your car is locked and the ignition key or other removable ignition device was not in, on or left unattended in the immediate proximity of your car.
- Loss or damage to non-standard audio/visual and other non-standard in-car entertainment.
- Car contents and personal belongings are not covered in the event of theft if your car is unoccupied, unless locked away as per Section 5 in your policy wording.
- Driving other cars is for drivers aged 25 years or older. You are only covered in the United Kingdom and the Isle of Man.
- No Claims Bonus (NCB) Protection is only available if you have earned at least 4 years NCB at inception of the policy.
- Uninsured driver promise will only apply once we prove that the accident was not your fault and you provide details of the uninsured driver, if possible.
- Panoramic glass is not covered under the Windscreen Cover section of the policy.
Where am I covered?
As standard you are covered when driving your car in the United Kingdom, the Isle of Man, and the Channel Islands.
In addition to the legal minimum cover required to drive in the territorial limits, you will have your full policy cover for up to 90 days in any 12 month period in the following countries: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, the Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City.
What are my obligations?
- At the start and throughout the term of this policy you must take reasonable care to answer all questions honestly, accurately and to the best of your knowledge.
- Throughout the term of this policy, you must comply with the General Conditions set out in your policy wording, including informing us of any changes to your details that may affect your policy.
- In order to make a claim under this policy, you must follow the procedures set out in your policy wording and you may have to pay the excess of any claim as shown in your Schedule.
When and how do I pay?
This is a monthly subscription insurance policy. Your initial payment is payable by credit or debit card before your policy starts. Once your policy is active, the premium is payable monthly by Direct Debit and/or recurring card payment. We will automatically take payment each month from the bank or building society account you nominate or the card you have specified on or around the billing date you choose.
If we are unable to take an automated recurring payment, we will immediately notify you and request payment via credit or debit card. We will give you a minimum of 24 hours notice to pay by card before issuing 7 days cancellation notice in writing via email to your last known email address. If payment is not received, your policy will be cancelled at the end of your 7 day notice period.
When does the cover start and end?
Cover starts on the date shown on your schedule and remains in force until you or we cancel. After 12 months, and at every 12 month anniversary after this, we will contact you with a summary of your policy information and with any changes to your price and cover for the next year. At this point if you choose to not continue with this policy you will need to cancel your cover.
How do I cancel the contract?
You can cancel the policy at any time through your customer account. Cover will cease immediately, and we will return a pro rata proportion of the premium for the period for which you have already paid but for which cover is not required. If a prejudicial claim has been made since the start of the policy term, the full premium paid will be retained by us. You will not be charged a fee to cancel your policy.
If you added the optional NCB Protection cover and change your mind, you have a 14-day cooling off period from the start date of your policy during which time you can cancel the NCB protection cover and receive a pro rata refund of the premium you paid. Please contact our Customer Care team if you wish to remove this cover on 0330 912 7698.
You will not be able to remove the NCB Protection cover after the 14-day cooling off period. You can add or remove NCB Protection cover at the next 12-month anniversary of your policy.