Accident Care Legal Expenses
Policy Summary & Key Facts
Some important facts about your Composite Legal Expenses are summarised below. This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides. When reviewing your policy it should be read in conjunction with your Policy Schedule.

Insurer: Groupama Insurance Company Limited, Groupama House,
24-26 Minories, London. EC3N 1DE.
Coverholder: Composite Legal Expenses Limited, Suffolk House, Trade Street, Cardiff CF10 5DT.
Your cover is valid for one year.
Significant Features and Benefits
Significant and unusual exclusions or limitations
Relevant section in
the policy document

Legal Expenses Cover

This policy covers legal and professional fees, costs and expenses up to £50,000 in connection with legal proceedings in respect of the following insured incident:

We will pursue the recovery of uninsured losses with legal fees cover up to £50,000 per incident following road accidents.

Wherever possible in non-fault accidents we will provide replacement cars on a credit hire basis and also a credit repair service

The policy does not cover:

•  Legal Costs incurred as a result of Legal Proceedings arising out of an Insured Incident which occurred outside the Period of Insurance.
•  Claims where you take action without first obtaining our agreement or cause delay or fail to give reasonable assistance to us
•  Claims which have not been made by submitting to us Our Claim Form duly completed and signed within 30 days of the occurrence of the Insured Incident.
•  Legal Costs, expenses, fines or other penalties you are order to pay by a Court of criminal jurisdiction.
•  Claims made by You against any authorised passenger in the Insured Vehicle. Also claims for passengers where there is a conflict of interest between You or the authorised driver and any other passenger(s).
•  Any claim where You:
a) Take action without first obtaining Our written consent or that of the Authorised Representative
b) Cause delay or fail to give reasonable assistance to Us or the Authorised Representative
•  You should take reasonable steps to minimise any amount of Your claim and attempt to prevent any event which may cause a claim. You should also obtain Our consent in writing to pay Legal Costs

Terms and conditions of policy

Commercial Legal Helpline
We provide a 24 hour, seven days a week helpline service.

Terms and conditions of policy
Making a Claim Call the claims helpline on:
 0871 423 5244

The following information will be required:

a. Policy reference on your policy form.
b. Your name and address.
c. The type of insured problem you are experiencing
Complaints Procedure
In the event of a complaint arising under this Insurance, you should in the first instance write to:
The Managing Director, Composite Legal Expenses Ltd, Suffolk House, Trade Street, Cardiff CF10 5DT.
If the matter remains unresolved thereafter you can then write to the
Insurers at:
Groupama Insurance Company Limited, Groupama House, 24-26 Minories, London EC3N 1DE quoting the policy number and where the insurance was purchased.
Finally, if the matter still remains unresolved once the above have been contacted, you can, subject to qualifying criteria, approach
The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Tel: 0845 080180.
Groupama Insurance Company Limited is authorised and regulated by the Financial Services Authority and is a member of the Association of British Insurers (ABI).
You may be entitled to compensation from the Financial Services Compensation Scheme in the event that the insurer is unable to meet its liabilities.
We hope that you will be happy with your insurance policy. If not, please contact us (or the intermediary or organisation that arranged this insurance on your behalf).

If you decide not to proceed with this insurance you should return the Policy Documents within 14 days of receipt.

Providing a claim has not been made and so long as no incidents have arisen that could result in a claim under the policy, wewill refund any premium you have paid.