Features

Will the age of my vehicle effect the application for insurance?

On the dayinsure.com web site you can purchase immediate short term comprehensive car insurance cover. This is temporary vehicle cover for cars, vans and goods carrying vehicles up to 3.5 tonnes GVW. The cover is subject to the short term insurance customer acceptance criteria and vehicle acceptance criteria, and you will need to enter your driving licence details during the quote process.

We provide short term vehicle insurance for cars and vans, for planned or emergency uses, for adding temporary additional drivers or temporary additional vehicles. You can use the temporary cover to facilitate delivery of your new vehicle, or to test drive a car or van from a potential private sale.

The pay by day car cover is purchased through an online payment process by secure debit/credit card transaction. Your temporary insurance certificate and schedule can be printed off on your own printer, and we register the short term cover with the Motor Insurance Database (MID). We have included the additional benefit of Uninsured Loss Recovery with a legal advice helpline provided by RAC Legal Services. There is also an option to buy temporary roadside assistance cover called dayresQ which is administered by Mondial Assistance (UK) Limited. This is available for European travel and is a new product unique to dayinsure. The short term cover does not compromise the ‘no claims bonus’ element of any annual cover on the vehicle.

Benefits

No-claims bonus protection

All drivers want to protect their no claims bonus, especially if they are lending their vehicle to another person. With comprehensive short term car and van insurance from www.dayinsure.com you need not worry, as the vehicle can be used without putting any ‘no claims discount’ at risk.

Short period additional drivers

On occasion you may have the need for additional people to drive your vehicle. You might have a relative or friend visiting and they may want to use your vehicle, or perhaps you are planning a long journey and the driving needs to be shared. No matter what the reason, www.dayinsure.com can provide comprehensive short term insurance.

Drive away cover

When buying a car or van you can benefit from short term comprehensive insurance. Once the cover has been purchased your new vehicle can be driven away immediately, allowing you more time to search for a competitive annual policy quote.

Fast online cover

Short term comprehensive insurance can be obtained instantly at www.dayinsure.com. You can process a quote and then buy online, within a matter of minutes. You will immediately have the option of printing off your certificate and schedule (your proof of cover), within minutes of making your payment.

Short term additional cars/vans

Several circumstances may arise where you need to drive an additional vehicle for a short period of time. Maybe your main vehicle is being repaired, or perhaps you need a larger vehicle when moving home. Whatever the reason www.dayinsure.com is the answer, with cover available from 1 to 28 days.

Vehicle test drive

Test driving a vehicle prior to purchase will require insurance cover. www.dayinsure.com allows the prospective buyer to take out instant short term comprehensive cover for a vehicle demonstration, whether it is for a new or second hand vehicle.

Road fund licence

Dayinsure.com short term motor insurance policyholders are allowed to use their certificate to tax their vehicle (subject to DVLA/Post Office acceptance).

Comprehensive Cover

Details of Comprehensive Cover

We do not insure vehicles or motorcycles on a ‘third party fire and theft’ basis.

dayinsure.com provides short term comprehensive car and van insurance. Insurance is transacted on the basis of an individual short period policy issued in your name.

Cover can be purchased for any 24 hour period, and for periods of up to 28 days, and includes as standard:

• Damage to the insured vehicle in the event of an accident
• Loss or damage by fire, theft or vandalism
• Liability to third parties for injury or damage to their property
• Emergency treatment fees and EU compulsory insurance

Optional European cover is available at an additional premium (see restrictions) A maximum of 84 days insurance over a year, taken in up to 28 day periods.

For full details of our cover, download the full policy wording:

• Standard UK cover
• European cover
• Exclusions and Excess Information

Exclusions and Excesses

Exclusions

Principle exclusion:
Driving by any person who does not meet the dayinsure.com customer acceptance criteria

Excesses

The amount of excess on the insurance policy is calculated based on your individual details, but starts from as little as £250. If you would like to know the exact excess, please proceed to 'Get a Quote' where you will be displayed the exact excess payable in the event of a claim.

• The excess applies to claims for windscreen replacement or repair
• If a car is purchased as new and registered in your name, and is stolen and not recovered or damaged beyond economical repair within 12 months of the date of first registration, it will be replaced with a new model of the same car, subject to availability
• The policy excludes liability for any loss or damage arising from theft where the ignition keys have been left in or on the vehicle The policy excludes liability if any incident leading to a claim is covered under any other insurance policy

Important Information

Your existing insurance policy will apply in priority to the dayinsure.com customer vehicle insurance if it covers the same loss, damage or liability.

This is only a summary of the main cover provisions. For full details of our cover, download the full policy wording:

• Standard UK cover
• European cover

Claims

Claims procedure – cars and vans

Your vehicle will be repaired at a Aviva Insurance UK Limited approved repair centre.

You must contact the police if:

• Your car has been stolen (you must also keep a note of the crime reference number)
• You are involved in an accident involving injury to another person

UK Claims

If you insure a vehicle on one of our short term policies and you are unfortunate enough to be involved in an accident, you can telephone the dayinsure.com claims unit on:
0800 678 999

You will be required to provide full details of the claim including any witnesses and crime reference numbers. Lines are open 24 hours a day.

EU Claims

If you insure a vehicle on one of our short term policies and you are unfortunate enough to be involved in an accident in Europe, you can telephone the dayinsure.com European claims unit on:
(0044)161 866 4114

As with the UK line you will be required to provide full details of the claim including any witnesses and crime reference numbers. Lines are open 24 hours a day.

Breakdown Recovery (dayResQ)

When in the UK please call
0845 641 9713

OR in Europe please call
+44 (0)208 603 9713

Uninsured Loss Recovery / Legal Advice service – cars and vans

The motor legal expenses insurance policy covers your legal costs:

• To pursue a claim for uninsured losses including property damage, death and personal injury if you are involved in a non-fault road traffic accident occurring during the period of insurance
• To defend a motoring prosecution brought against you arising from an incident occurring during the period of insurance

Please contact the following telephone numbers:

Uninsured loss recovery - 0870 164 2092
Lines are open 9 a.m. to 5 p.m. Monday to Friday.

Legal advice – 0870 5533 533
Lines are open 24 hours a day.

Uninsured Loss Recovery/Motor legal Expenses policy wording

Claims procedure – motorcycles

Your motorcycle will be repaired at a Chaucer approved repair centre.

You must contact the police if:

• Your motorcycle has been stolen (you must keep a note of the crime reference number)
• You are involved in an accident involving injury to another person

UK Claims

If you use the motorcycle under this facility and you are unfortunately involved in an accident, you can telephone the flexirider.co.uk claims unit on:
0800 072 2050

You will be required to provide full details of the claim, including any witnesses and crime reference numbers. Lines are open 24 hours a day.

Suitability Criteria

Statement of Demands and Needs

This product meets the demands and needs of people like you who require immediate, short-term insurance to cover them for any 24 hour period from 1 to 28 days. No advice has been provided in respect of the suitability of this contract.

Notes

If the driver is already covered on this vehicle by another policy, then claims must be made against that policy. The dayinsure policy does not provide additional cover.
Any claims for damage to the vehicle will be paid directly to the owner of the vehicle and not the driver.

Who Regulates Us?

Who Regulates Us?

dayinsure.com limited are authorised and regulated by the Financial Services Authority. Our registration number is 304010. This can be checked on the FSA’s register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

Cancellation Rights

Cancellation Rights

You may cancel this policy at any time by returning the certificate of motor insurance. However, because of the short period nature of this insurance there will be no refund of the premium.

Because of the electronic delivery, we regret that, once an insurance certificate has been issued, the details of the cover, such as the insurance period, or the registration number, cannot be changed.

Choice of Law

Choice of Law

The appropriate law as set out below will apply unless you and the insurer agree otherwise:

• The law applying in that part of the UK, Channel Islands or Isle of Man in which you normally live or (if applicable) the first named policyholder normally lives; or
• In the case of a business, the law applying in that part of the UK, Channel Islands or Isle of Man where it has its principal place of business; or
• Should neither of the above be applicable, the law of England and Wales will apply.

What to do if you have a complaint

What to do if you have a complaint

If you wish to register a complaint, please write to us at dayinsure.com limited, 3 The Old Shippon, Holly House Estate, Middlewich Road, Cranage, Cheshire CW10 9LT. We are covered by the Financial Services Compensation Scheme if we cannot meet your obligations. Insurance advising and arranging is covered for:

• 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit, in respect of non-compulsory insurance (vehicle damage)
• 100% of the claim, without any upper limit, in respect of compulsory insurance (third party liability)
• Further information about compensation scheme arrangements is available from the FSCS

Payment Arrangements

Payment Arrangements

Payment of dayinsure.com premiums is by secure credit/debit card transaction only.

We have no other method of payment, other than via the web site.

Hazardous Locations

Hazardous Locations

Hazardous locations include:

• Power stations, nuclear installations or establishments
• Refineries, bulk storage or production premises in the oil, gas or chemical industries
• Bulk storage or production premises in the explosive, ammunition or pyrotechnic industries
• Ministry of Defence premises or military bases