Appointed Representative - means the solicitor or other appropriately qualified or experienced person or persons appointed to act for the Insured Person.

Cerificate of Car Insurance / Certificate of Motor Insurance

Claim – means a civil claim for damages for Uninsured Losses arising out of an Insured Event.

Insured – means the person, firm or company who is entitled to participate in the Uninsured Loss recovery service offered by the Coverholders and has paid the premium or whose Participating Agent or car insurance broker has agreed to pay the premium on their behalf.

Insured Event – means an accident arising from the negligence of a Third Party, which results in the Insured Person incurring Legal Costs and Expenses in bringing a Claim relating to:
• Loss of or damage to the Insured Vehicle;
• Damage to any personal property owned by the Insured Person or for which the Insured Person is legally responsible while such property is in or on the Insured Vehicle;
• Death or personal injury to the Injured Person whilst in, on, mounting or dismounting from the Insured Vehicle.

Any such accident must occur within the Period of Insurance and within the Territorial Limits of this Policy.

Insured Person – means You and any person authorised to drive the Insured Vehicle under Your Car InsurancePolicy or any authorised passenger at the Coverholders discretion in or on the Insured Vehicle who are claiming under this Policy with Your consent, or Your or their legal representative in the event of death.

Insured Vehicle – means any car, motor car, motorcycle and/or sidecar, commercial vehicle or trailer attached to those vehicles owned or leased by You and specified in Your underlying Car Insurance Policy.

Legal Costs and Expenses – in relation to an Insured Event means any legal fees, costs and disbursements reasonably and properly incurred in relation to a Claim and any consequent Legal Proceedings:
1. By the Appointed Representative, including fees of Counsel instructed by him when acting on behalf of the Insured Person in bringing a Claim, and in any event is limited to the standard rate.
2. By any other party to the Claim which the Insured Person is liable to pay as a result of an order or award of the court or other tribunal or a negotiated settlement provided that such settlement is made with the agreement of the relevant Underwriters, and in any event is limited to the standard rate.

Legal Proceedings – means all work necessary regarding a Claim with the approval of the Underwriters, subject to the jurisdiction of courts within the Territorial Limits.

Limit of Indemnity – means a maximum limit for all Legal Costs and Expenses of the Insured Person and including opponent’s costs, where awarded, arising out of any one Insured Event.

Car Insurance Policy – means the policy of insurance issued to You in compliance with the Road Traffic Act valid at the time of the Insured Event.

Participating Agent – means the company who are authorised to sell the Policy to the Policyholder on behalf of the company and the Underwriters.

Period of Insurance – means from the start date to the termination date of this Policy, as advised, and any subsequent period for which you have paid the full premium due.

Policy – means the policy of car insurance.

Policyholder – means the person, firm or company who has taken out the Policy and has paid the premium.

Territorial limits – usually means Great Britain, Northern Ireland, Isle of Man, Channel Islands, Austria, Belgium, Denmark, Finland, France, Federal Republic of Germany, Greece, Republic of Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden and Switzerland.

Third Party – means the other person(s) and/or party(s) responsible for the car accident, excluding the Insured Person (as defined in the Policy).

Uninsured Loss – means any loss, including injury, compensation or consequential loss sustained by the Insured Person from an Insured Event not covered by the Insured Person’s underlying Car Insurance Policy.