Composite Legal Expenses

Combined Personal
Legal
Care

Underwritten by:
Groupama Insurance Company Limited, Groupama House, 24-26 Minories, London, EC3N 1DE

The Coverholder:
Composite Legal Expenses Ltd, Suffolk House, Trade Street, Cardiff, CF10 5DT

Insured: xxxxx xxxxxxxx Policy No: CPLC/xxxx/xxxxxx Period of Insurance: xxxx to xxxxxx Date of issue: xxxxxxxx Premium inc. IPT: £xxxxxx		Limit of Indemnity The sum specified as in the Limit of Indemnity for each class of Insured Incident including all events relate by time or cause after aggregation of the costs and expenses of all persons Insured and their opponents in so far as We are liable to pay them. Insured Incident An event, act or omission giving rise to a claim for indemnity against Us. Territorial Limits The United Kingdom only. Period of Insurance The period of one year from the date of issue of this Policy. Premium The consideration paid to the Sales Agent for the indemnity provided by this Policy. Mediator The independent expert appointed by Us to offer alternative dispute resolution. The Effective Date The date of inception of this Policy. AGREEMENT In consideration of the Premium You have paid to the Sales Agent We will indemnify You against Legal Costs arising from an Insured Incident occurring within the Territorial Limits where You notify Us of the Insured Incident both within 30 days of its occurrence and within the Period of Insurance subject to the terms, conditions and exclusions of this Policy. We will indemnify You against Legal Costs and Expenses reasonably incurred in: Personal Injury Pursuing a Personal Injury claim for damages in respect of Your injury or death caused by negligence of another subject to a limit of indemnity of £75,000 per Insured Incident. Consumer Disputes Pursuing or defending claims subject to a Limit of Indemnity of £1000 per Insured Incident arising out of a contract entered into by You or on Your behalf for a) obtaining services b) the purchase, hire, hire purchase or sale of any personal goods obtained new after inception of this policy provided that the value of the goods or services in dispute exceeds £250
Important Notice This is a 'claims made' policy. It only covers claims notified during the Period of Insurance. You must notify us within 30 days of any circumstances which may give rise to a claim for indemnity from such circumstances. Non Motor Section Definitions We, Us, Our The Underwriters of this Insurance Policy and/or Coverholder acting on their behalf. Insured, You, Your The person to whom this Policy has been issued and who has paid the appropriate Premium, his or her spouse, their children under the age of 21 and parents normally resident. Sales Agent The retail agent appointed to sell the Policy to You by Us. Policy The valid document given to You as evidence of this Insurance. Home Your principal private dwellinghouse as defined for the purposes of qualifying for exemption from Capital Gains Tax. Authorised Representative The solicitor, counsel claims handler or mediator appointed by Us under the terms and conditions of this Policy to represent Your interests. Legal Costs Any reasonable and proper professional fees or costs including disbursements incurred by the Authorised Representative or the Mediator with our prior authority, subject to the terms, conditions and exclusions contained in this Policy, and Civil costs incurred by other parties for which You are held liable by a Court or tribunal under a Judgment after full argument or payable under a settlement approved in advance by Us but not Civil Costs for which you are held liable by a Court or Tribunal under a Judgement obtained against you by default or by Your consent without Our prior written approval. With any claim falling within the Small Claims Court limits legal advice and assistance shall be provided but the payment of legal costs will be restricted to the payment of any unrecovered issue fee and the appointment of a solicitor will be at Our discretion.

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Home Rights
The pursuit of civil claims subject to a limit of indemnity of £1,000 per Insured Incident arising out of:-
a) A contract dispute relating to goods or services used in Your Home.
b) Loss or damage to
i) goods in the home owned by You or for which you are responsible.
ii) the home
c) An alleged infringement of the legal rights appertaining to Your Home.

Taxation
Being represented at a hearing before the Court or General or Special Commissioners arising from or relating to an in-depth Inland Revenue investigation of Your personal tax affairs subject to a limit of indemnity of £1,000 per Insured Incident.

Employment
A dispute with Your employer for compensation or reinstatement or re-engagement on the grounds of unfair dismissal or unfair selection for redundancy, subject to a limit of Indemnity of £1,000 per Insured Incident, and payable only upon an award for unfair dismissal being made by the Industrial Tribunal.

Defence against criminal prosecution
Defence of your legal rights including appeal or defence of appeal against judgement, conviction or sentence in respect of any act or omission leading to criminal proceedings being brought against you subject to a limit of indemnity of £1,000 per Insured Incident.

Conditions
Claims Presentation and Control
You must
1. contact the telephone advice service on 0871 423 5244 and provide full details of the claim in writing together with any supporting information requested by Us and liaise with Us before appointment of an authorised representative.
2. report claims to Us within 30 days of their occurrence unless the claim is in respect of a criminal prosecution.
3. give proper and full instructions to and act throughout in accordance with the advice of the Authorised Representative.
4. cause no delay or otherwise act to the prejudice of the claim.
5. submit to Us for payment without delay any bills for Legal Costs which must not be incurred without Our prior authority in writing.
6. take every possible step to recover legal costs from Your opponent and pay any Legal Costs recovered to Us.
7. submit to Us any reasons for wishing to appeal against the judgement of a court not later than 10 days before the final date for lodging on appeal. If We do not give Our approval to such appeal then no indemnity shall be granted unless the appeal is successful.
8. Observe and perform to the terms and conditions of this insurance.
9. have reasonable prospects of successfully pursuing or defending a claim or have reasonable prospects for successfully defending a criminal prosecution.
10. obtain Our agreement to pay Legal Costs in writing before incurring Legal Costs.
11.obtain if We so require an Opinion from the Authorised Representative on whether or not the claim or defence has reasonable prospects of success. In the event of the opinion being that there are no reasonable prospects for success You will pay the Authorised Representatives fees for his/her opinion.
12. take all reasonable steps to minimise Legal Costs and obtain legal aid when You are entitled to it. If You are entitled to legal aid general exclusion 8 of this Policy precludes you from claiming legal costs from Us.

We Can
1. take over and conduct in Your name the prosecution pursuit or defence or settlement of any claim or proceedings through our own employees agents solicitors or accountants.
2. at the Insureds request nominate an Authorised Representative for the Insured. However the Insured is free to choose any Authorised Representative to act in any Legal Proceedings in respect of which we have agreed to indemnify You against Legal Costs. The Authorised Representative will be appointed in the name of and on behalf of the Insured however, We can accept or refuse a nomination without giving reason. Any dispute arising from the choice of the Insured may be referred to arbitration, in accordance with the Arbitration clause set out in this Policy.
3. have direct access to the Authorised Representative at all times so that We may be kept fully informed of all details which in our absolute discretion we deem relevant to the claim.
4. have access to all written opinions documents or reports of counsel or expert witnesses whether or not privileged.
5. discontinue indemnity if during the course of the claim We consider that reasonable prospects of success no longer exist. If we discontinue
cover and you succeed with your claim we will reimburse you for reasonable costs properly incurred for continuing the claim and which are not otherwise recoverable.6. extend the appointment of the Authorised Representative in the event of circumstances changing during a claim on such terms as We may in our absolute discretion determine.
7. attempt negotiation followed by alternative dispute resolution before any nomination or appointment of an Authorised Representative.
8. refuse to pay any Legal costs until they fall due upon termination of the Claim.

The Authorised Representative must as a condition of his employment:
1. obtain Our prior consent before instructing counsel or expert witnesses whose identity and fee must also be approved by Us
2. advise Us if at any stage it is considered that You no longer have reasonable prospects of success.
3. notify Us of any payment into court or any offer to settle so that Our prior approval can be obtained to the acceptance or rejection of the same. If We do not approve of You continuing with the case but You nevertheless continue and obtain a result which is not better than the payment or offer We shall not be obliged to provide indemnity from the date of such payment or offer.
4. report the result of the claim to Us on its completion.
5. have assessed taxed certified or audited the Legal Costs for which indemnity is claimed at Our request in accordance with the provisions of the Solicitors Act 1974 and /or the Solicitors Remuneration Order 1972 or in accordance with parts 43 to 48 of the Civil Procedure Rules.

Third Party Agreements
Our liability shall in no way be affected by any agreement undertaking or promise entered into between You and the Authorised Representative or by either with any third party.

Withdrawal
If for any reason the Authorised Representative refuses to continue acting for You or You withdraw Your claim from the Authorised Representative without Our prior agreement We shall no longer be obliged to provide indemnity and We will be entitled to reimbursement by You for any Legal Costs paid or incurred during the course of the claim including any Legal Costs for which We consider ourselves liable on Your withdrawing from the claim unless in Our absolute discretion We agree to the appointment of another Authorised Representative or advisor to continue with the claim.

Arbitration
In the event of any dispute arising between the parties either party may ask for the dispute to be considered by an independent arbitrator agreed upon by both parties or failing agreement one who is nominated by the President of the local Law Society or appropriate professional body All costs of the arbitration shall be met in full by the party against whom the decision is made.

Acts of Parliament
Any reference to Acts of Parliament within this Policy shall include any Act amending or replacing the same and shall also include where applicable equivalent legislation in Scotland Northern Ireland and under European Law where applied in the UK.

Notices
Every notice or communication approval consent or otherwise required under the Policy shall be made in writing by You to our head office and by Us to You at the last address declared under the Policy.

Due Observance
The due observance of and compliance with the terms, provisions and conditions of this Policy by the Insured are conditions precedent to Us incurring any liability under this Policy.

Reasonable Care
The Insured shall take all reasonable steps to prevent any occurrence which may give rise to a claim under this Policy.

Cancellation
We hope you are happy with the cover this policy provides. However, You have the right to cancel it within 14 days of inception of the policy, without giving any reasons. Cancellation must be in writing to us at Composite Legal Expenses, Suffolk House, Trade Street, Cardiff CF10 5DT. The Insurer may cancel the policy at any time by sending 30 days written notice by recorded delivery post and in such event the Insured shall be entitled to a return of a proportionate part of the premium corresponding to the unexpired Period of Insurance.

Such cancellation shall not prejudice the rights of the Insured, or any other person insured by this policy, in respect of any Insured Event occurring prior to the date of cancellation

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Exclusions

Consumer Disputes
This Policy specifically does not cover
a) any contract entered into by You in connection with a profession business or trade other than for your Contract for full-time employment
b) any matter where the amount in dispute or the total instalments due at the time of making the claim is less than £250
c) any contract where the dispute arises within the first 90 days of the Period of the Insurance
d) any contract under which a sum of money was due and payable more than six months before the claim was reported
e) any contract relating to any work carried out in on or for the benefit of land or buildings other than the Home
f) any contract of insurance in so far as the dispute is solely in respect of the sum of money or other compensation payable under such contract
g) any incidents which occur as a result of defective products, goods or services
h) any claims relating to the planning, erection or alteration of buildings
i) any dispute with local or government authorities

Property & Home Rights
This Policy specifically does not cover:-
a) claims relating to the planning, erection, alteration, construction, conversion, extension of buildings or parts of buildings
b) disputes with local or government authorities
c) disputes involving leased or rented property or in respect of or arising out of any tenancy agreement
d) compulsory purchase confiscation nationalisation requisition or destruction of or restrictions or controls placed on or damage to any property
e) actual planned or proposed construction closure adoption or repair of roads or bridges or the actual planned proposed construction demolition or adaption of buildings housing or other works.
f) a dispute arising within the first 90 days of the Period of the Insurance
g) claims relating to material damage covered by another relevant Insurance Policy

Employment
This Policy specifically does not cover:-
Situations where the dispute arises within the first 90 days of the first Period of Insurance are excluded from the cover provided by this Policy.

Taxation
This Policy specifically does not cover:-
Accountants' fees or legal costs inclusive of accountants' fees other than the cost of representation at court are excluded from the cover provided by this Policy.

Prosecution Defence
This Policy specifically does not cover:-
Legal Costs incurred in the defence of any criminal proceedings unless charges are dismissed or the insured is acquitted are excluded from the cover provided by this Policy.

Excess
This Policy specifically does not cover:-
The first £250 of any Legal Costs, except in Small Claims Court matters where We will pay any unrecovered issue fee.

Motor vehicles
This Policy specifically does not cover:-
Any dispute or prosecution involving a motor vehicle unless the dispute relates to a personal injury claim.

Domestic disputes
This Policy specifically does not cover:-
A matrimonial or co-habitation dispute except in so far as any claim relates to a dispute with Your professional advisors.

Courts outside the UK
This Policy specifically does not cover:-
legal proceedings outside the United Kingdom and proceedings in constitutional international or supranational courts or tribunals including the European Court of Justice and the Commission and Court of Human Rights.

Small Claims Court
This Policy specifically does not cover:-
The payment of Legal Costs of a claim falling within the Small Claims Court limits where We shall provide legal advice and assistance and the payment of any unrecovered issue fee.

War/Radioactive Contamination
This Policy specifically does not cover:-
Claims arising from
ionising radiations or contamination by radioactivity from irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
any radioactive toxic explosive nuclear assembly or nuclear component thereof.
riot civil commotion war invasion acts of foreign enemies hostilities (whether war be declared or not) civil war rebellion revolution insurrection or military or usurped power or confiscation nationalisation requisition destruction or damage to property by or under the order of any government.

Actions solicited
This Policy specifically does not cover:-
Disputes claims or prosecutions deliberately or intentionally solicited by You or arising out of any deliberate or criminal act or omission on Your part.

Disputes with Us
This Policy specifically does not cover:-
Disputes with Us except as provided with by the Arbitration condition

Co-insurance
This Policy specifically does not cover:-
A claim when You are or would but for the existence of this Policy be entitled to indemnity under any other policy or policies except in respect of any excess beyond the amount which would have been payable under the other policy or policies had this insurance not been effected.

Costs incurred before acceptance
This Policy specifically does not cover:-
Costs fees expenses disbursements damages or compensation incurred before We have confirmed acceptance of a claim.

Disputes between You and Your Family
Fines or penalties in any circumstances or damages or compensation awarded.

General exclusions
We shall not be liable for Legal Costs in respect of:-
1. Any matter arising from or relating to any business or trading activity or venture for gain undertaken by the Insured including but not limited to any personal guarantee and investment in unlisted companies. Notwithstanding the provisions of this exclusion we will indemnify the Insured in respect of Legal Costs incurred in the pursuit of Legal Proceedings arising from the Insured's contract of employment subject otherwise to the terms and conditions of this Policy.
2. the pursuit or defence of any action alleging defamation.
3. Legal Proceedings between the Insured and a central or local government authority.
a) unless the Insured has suffered or could suffer pecuniary loss if the Legal Proceedings are not pursued or defended
or
b) the legal proceedings relate to the imposition of statutory charges.
4.Legal Proceedings in relation to any contract of insurance insofar as the dispute is solely in respect of quantum
5. Claims where the Insured
a) takes action without first obtaining Our agreement or that of the Authorised Representative
b) causes delay or fails to give reasonable assistance to Us or the Authorised Representative
6. Claims reported to Us more than 30 days after the Insured Incident
7. Any claim, where Legal Costs are incurred without Our specific written authority
8. Any matter in respect of which you are entitled to Legal Aid

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Claims Procedure/Legal Helpline
In the event of a claim you must contact the telephone advice service on 0871 423 5244 who reserve the right to attempt to negotiate settlement of your claim if it is considered appropriate. Our legal advice service is available 24 hours per day, 365 days a year. Advice is available on any personal legal problem, whether covered under this policy or not.

Home emergency service
Additionally your Personal Legal Protection gives you the peace of mind of the Homecall Service. The unique service gives you a 24 hour, year round home emergency service to repair domestic facilities such as:-
• Domestic Plumbing or Drainage: where flooding is likely.
• Domestic Gas or Electricity Supply; in the event of a complete failure.
• Roofing where internal damage is likely.
• External Doors, Windows or Locks: rendering the home unsecure.
• Fixed Heating Supply; where there is an oil or water escape.

Contact our telephone advice service and the home assistance operations centre will provide prompt attention from a competent and authorised repairer in your area. You will of course be responsible for the costs involved but you will find these fair and reasonable. Telephone 0871 423 5244

Motor Section

Definitions

We, Us, Our
The Underwriters of this Insurance and/or Coverholder acting on their behalf..

You, Your
The Person or Company who has paid the appropriate premium and any other person authorised by you to drive or to be a passenger in or on the Insured Vehicle.

Sales agent
The Retail Agent appointed by Us to transact this Insurance with You.

Insured Vehicle
Any motor vehicle that you own or for which you are legally responsible including any caravan or trailer properly constructed to be towed by such vehicle and which is attached to it by normal means of towing and for which the appropriate premium has been paid including bicycles that You own or for which You are legally responsible and which are permitted to use the public highway.

Authorised Representative
A solicitor, counsel, or claims handler appointed under the terms and conditions of this Policy to represent your interests.

Legal Costs
Any irrecoverable fees, expenses and other disbursements reasonably and properly incurred by the Authorised Representative with our prior written authority in connection with any claim or legal proceedings by or against you provided that, in any case, such fees, expenses or other disbursements shall not exceed such amounts as would be allowed on an inter partes detailed assessment of Costs pursuant to parts 43 48 of the Civil Procedure Rules or, subject to the terms, conditions and exclusions contained in this policy, the costs incurred by the other party or parties which you are ordered to pay by any Court or which are payable by you under the terms of a settlement approved in writing by us or which became payable by You as a result of You discontinuing proceedings with Our consent.

Limit of indemnity
£75,000 per Insured Incident including incidents related by time or cause after aggregation of the Legal Costs incurred by You and the Legal Costs of any other party or parties for which We are liable under the terms of this Policy.

Period of Insurance
The Period of Insurance one year from the date of issue of this Policy.

Injury
Bodily injury to or death disease or illness of any person. Insured Incident
An event causing loss or damage to an Insured Vehicle or Injury to You whilst You are travelling in, on, mounting or dismounting an Insured Vehicle which occurs within the Territorial Limits and where the loss or damage is caused by a third party mechanically propelled vehicle as defined in part (vi) of the Road Traffic Act 1988.

Territorial Limits
The United Kingdom of Great Britain and Northern Ireland, the Isle of Man, the Channel Islands, Austria, Belgium, Denmark, Finland, France, Federal Republic of Germany, Greece, Republic of Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden and Switzerland.

Agreement
We and You agree that this Policy (including any Schedule Issued in substitution) and any memoranda are to be considered as one document and any word or expression which has been defined herein shall have the same meaning wherever it appears. The proposal or any information supplied by You shall be incorporated into this Policy. We will provide the insurance described in this Policy subject to the terms and conditions for the Period of Insurance and any subsequent period for which you shall pay and we shall agree to accept the premium.

Cover
1. Subject to the terms, conditions and exclusions of this Policy We will pay Your Legal Costs which arise from Your use of an Insured Vehicle during the Period of Insurance and claims made by or against You during the Period of Insurance and which relate to the pursuit by You of legal rights to obtain a remedy or to recover damages from a third party or parties in consequence of an Insured Incident in which the Insured Vehicle has been involved provided such Legal Costs do not exceed the Limit of Indemnity.
2. Subject to the terms, conditions and exclusions of this policy we will pay the Legal Costs incurred in;
a) Defending a criminal prosecution brought against You as a result of a driving offence where Your driving licence is at risk of being revoked or suspended or
b) In the pursuit or defence of any claim arising out of:
i) The sale, purchase, hire purchase or lease of the Insured Vehicle or
ii) The testing, servicing or repair of the Insured Vehicle providing always that the value of the contract in dispute exceeds £500 and provided that under paragraphs 2(a) and (b) we shall not be liable to pay either the first £150 of Legal Costs or Legal Costs in excess of £1,000 in respect of each claim.

Exclusions
This insurance does not cover
1. Legal Costs incurred as a result of Legal Proceedings arising out of an Insured Incident which occurred outside the Period of Insurance.
2. 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.
3. Legal Costs including costs of appeals which are incurred without Our written consent and agreement and in any event all such costs and expenses incurred prior to notification of the relevant claim to Us.
4. Legal Costs, expenses, fines or other penalties You are order to pay by a Court of criminal jurisdiction.
5. Claims arising out of the use of the Insured Vehicle by You for racing, rallies, trials or competitions of any kind.
6. Claims arising out of an Insured Incident arising out of Your deliberate act or omission.
7. Any claim where, when in control of the Insured Vehicle You did not have possession of both a valid driving licence and certificate of insurance.
8. Any claim where the Insured Vehicle was not in a roadworthy condition or did not have a valid MOT Certificate where applicable.
9. Any claim where loss or damage was caused by the mechanical failure of the Insured Vehicle.
10. The Defence of any claim or legal proceedings made or brought against You arising from injury or loss or destruction of or damage to any property provided that this exclusion shall not apply to clause 2(a) and (b) of the Section headed Cover.
11. Any claim or legal proceedings made commenced or brought against You outside the Territorial Limits.
12. Any act, omission or any claim commenced which relates to an incident which occurred outside the Period of Insurance

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13. Any claim under paragraph 2(a) under The Section headed Cover of this Policy where You at the time of the claim or legal proceedings have 6 or more penalty points (as defined by the Road Traffic Offenders Act 1988) or any claim where you have no reasonable prospects of successfully defending such a Criminal Prosecution or any claim relating to a parking or non-endorseable offence or fine penalty offence where your licence is not under threat of suspension.
14. The defence of any criminal prosecution under Section 6 (i) of the Road Traffic Act 1988 where You have failed to provide the appropriate authorities with a breath test of a blood or urine sample as legally required or if Your breath, blood or urine alcohol level is found to be more than double the level permitted by law.
15. Claims made by You against any authorised passenger in the Insured Vehicle.
16. Claims for passengers where there is a conflict of interest between You or the authorised driver and any other passenger(s).
17. Legal Costs in respect of the defence of a claim or counterclaim from a third party where Your own motor insurers refuse to become involved or act solely for reasons of quantum in which case we may instruct solicitors to act but you will be personally responsible for all costs arising from the action which would otherwise have fallen upon your insurers
18. Claims 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.
19. Claims arising from;
a) Ionising, radiations or contamination by radioactivity from irradiated nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
b) Any radioactive toxic explosive or other hazardous properties of any nuclear assembly or component thereof.
c) Riot civil commotion war invasion acts of foreign enemies hostilities (whether war be declared or not), civil war rebellion revolution insurrection military or use of power or confiscation nationalisation requisition destruction or damage to property by or under the order of any government.
20. Any claim where We or the Authorised Representative deem there are no reasonable prospects of success.

Conditions
1. You must
a) Observe and perform the terms and conditions of this Policy.
b) Take reasonable steps to minimise any amount of Your claim and attempt to prevent any event which may cause a claim.
c) Notify us in writing forthwith of any event which has given or may give rise to a claim or legal proceedings involving You and You must send to Us Our Claim Form duly completed and signed by You within 30 days of the Insured Incident. In default we shall not be liable to indemnify you in respect of Legal Costs.
d) Send all letters, notices and communications regarding any claim made to Us at Our declared address without delay.
e) Assist Us fully and give Us full details of any claims and provide Us with all information We reasonably request.
f) Obtain Our consent in writing to pay Legal Costs which consent will not be given unless you can satisfy Us that:-
i) There are reasonable prospects for the recovery of damages or other remedy or for a successful defence.
ii)The Indemnifier of the responsible person is known by You
or
iii)It is reasonable for Legal Costs to be provided in the particular case
2. We can
a) Take over and conduct in Your name any claim or the defence of any claim at anytime
b) Attempt to make a fair settlement before the Authorised Representative is instructed or legal proceedings issued.
c) Take proceedings for Our own benefit but in Your name to recover any payment We have made under this Policy.
d) If We consider it appropriate to do so appoint a claims handler to act as your Authorised Representative rather than a solicitor. However if We consider legal proceedings are appropriate you have a right to nominate a Solicitor to act for you by immediately providing Us with the name and address of the nominated Solicitor in writing. We may refuse this nomination in exceptional circumstances and if We do refuse the nomination you shall have the right to arbitration as provided in this Policy.
e) If We consider it appropriate or necessary appoint an Authorised Representative before Your nomination is known to us.
f) Any Authorised Representative will be appointed by Us in Your name and on Your behalf.
3. In the event that You appoint the Authorised Representative. You must ensure that the Authorised Representative is aware of the conditions of this policy and the Limit of Indemnity.
4. We shall be under no liability to You howsoever arising in respect of anything said or done or omitted to be said or done with respect to the appointment of any Authorised Representative and you will indemnify Us against any such liability.
5. You must;
a) Give such instructions to the Authorised Representative as We reasonably require and fully co-operate with both Us and the Authorised Representative in all respects keeping him and Us fully advised of all developments in the claim.
b) Tell us at once of all offers to settle the claim. No offer of settlement or negotiation of the same can be made without Our agreement in writing.
c) If requested instruct the Authorised Representative to have Legal Costs taxed by the Court or certified by the appropriate Law Society as appropriate.
d) Take all steps possible to recover any Legal Costs We have paid and pay any such amounts recovered to Us.
6. We are entitled to obtain from the Authorised Representative any information, document or advice relating to a claim or legal proceedings whether or not privileged. On request You will give any instruction as necessary to ensure such access. If the Authorised Representative refuses to grant such access however We shall have the right to refuse to pay Legal Expenses.
7. You must not without Our written consent enter into any agreement with the Authorised Representative as to payment of your costs. Any consent given may be withdrawn at anytime.
8. If You are declared bankrupt or go into liquidation or appoint or have a receiver appointed We may withdraw Our support of any claim or legal proceedings.
9. If You discontinue or abandon legal proceedings without both Our consent and the Authorised Representative's written advice that proceedings should be either discontinued or abandoned We will be entitled to be reimbursed by You the amount of any Legal Costs which We have paid or may become liable to pay.
10. At Our discretion We may discharge Our liabilities to You by paying an amount equal to the sum claimed
11. We may cancel this insurance at any time by sending 30 days written notice toYour last known address in which event we shall reimburse to You the premium attributable to the period from the date of the cancellation to the end of the Period of Insurance.
12. If at the time of any Insured incident resulting in a valid claim on this Policy there exists other insurances under which You are entitled to be indemnified for Legal Costs or any part thereof We shall only be responsible for any excess in the amount of Legal Costs not recoverable under such other policy of insurance.
13. In the event of any dispute arising between the parties, either party may ask for the dispute to be considered by an independent arbitrator agreed upon by both parties or failing agreement one who is nominated by the President of the local Law Society. All costs of the arbitration shall be met in full by the party against whom the decision is made.

Law
The Law applicable to this Policy shall be English Law and the parties hereby submit to the jurisdiction of the Courts of England and Wales.

Claims Department
The Claims Department may be contacted Monday to Friday between the hours of 9am and 5pm on 0871 423 5240

Helpline
Composite Legal Expenses Ltd offer a telephone legal service giving expert guidance on a wide range of personal matters and also operate an emergency message transmission service in case you need to inform or reassure your friends or family after an accident. To take advantage of this service, telephone 0871 423 5244 . Please be ready to quote your policy reference number. This number also gives you access to your Accident Recovery and Emergency Car Hire Service.

Credit Repairs/Credit Hire: Repairs /car hire facility qualifications.
To qualify you must:
a) Be clearly not at fault for the accident
b) Provide full details of the other person i.e.
i) Name and address of owner and driver
ii) Name, address and relevant policy number of the third party motor insurers

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iii) Make, Model and registration number of the third party vehicle
iv) The accident circumstance on a Composite Legal Expenses Claim Form
c) Agree to our arranging an inspection of your vehicle and for repairs to take place at a garage of our choice.
d) Agree to the receiving of costs from the other party. Solicitors may be appointed to act as necessary.
e) The accident must have occurred in Great Britain, The Isle of Man or the Channel Islands
f) The age and licence requirements of the hire provider must be met.
g) If comprehensive insurance is held the vehicle must be repaired or reinstated under the terms of the policy

The type of car provided and the choice of hirer used will be subject to availability and at the discretion of Composite Legal Expenses.

There is no pre-set limit as to the repair cost or hire period which will depend on the accident and other circumstances. Normally a vehicle can be provided for the full repair period. Please note that any repairs or car hire costs incurred without specific instructions from Composite Legal Expenses are not covered under this scheme.

Accident recovery/emergency car hire:
If your vehicle is immobilised by accident occurring in the UK (excluding breakage to lights or windows), we will transport the driver, and up to 7 passengers to the destination of your choice in the UK, provided that your vehicle is taken to a CLE approved garage for repair. This will operate regardless of whether the accident is your fault. We will accept responsibility for your accident recovery costs (excluding ferry and toll charges). Hotel accommodation may be utilised at our discretion. This service entitles You, if over 21, to 24 hours car hire subject to normal conditions of hire and only as supplied by CLE or its agents in conjunction with the accident recovery. Simply telephone us quoting your policy number and advising that you are a Composite Legal Expenses Ltd/Combined Personal Legal Care policy holder.

Notes for your Guidance
Under this scheme, all the costs of recovering your Uninsured Losses are met in full, providing, of course, someone else was responsible for the accident your claim is accepted. Items for Which You May be Able to Claim Examples of 'Uninsured Losses'.

Comprehensive Insurance Policies
a) Insurance Excess
Forward the account of Composite Legal Expenses Ltd as soon as repairs are complete.

b) Travel Expenses
Take notes of all journeys and their costs and forward accounts if possible.

c) Car Hire
If your vehicle is immobilised following a clearly no-fault accident, you may be able to obtain a replacement vehicle under our special scheme.

d) Telephone/Postage etc
Keep details of these items.

e) Loss of Earnings
If you cannot work because you are injured in the accident, obtain a letter from your employer (or accountant if you are self employed), showing how much you have lost net of tax, NI contributions etc.

Third Party Fire & Theft Insurance Policies
All the items shown as above (with the except of (a) which does not apply) plus:-

Repairs to your Vehicle
Obtain two estimates and forward them to Composite Legal Expenses Ltd as soon as possible. Usually, it is not advisable to have your car repaired immediately as the Third Party Insurers will wish to inspect it. If you need your car urgently, please contact us. Make sure that storage charges are kept to a minimum. If possible move the car to free storage. If your vehicle has been involved in a clearly non-fault accident, you have full details of the other person and their insurers and providing we can appoint your repairer, you may be able to have the vehicle repaired without having to initially fund the bill, while we recover from the Third Party.

Personal Injuries
In addition to the above, you may be entitled to compensation if you or your passengers are injured.
Remember
It is up to you to provide us with all the information possible to prove that the other person was at fault. If they dispute your version of the accident and you have no evidence (usually in the form of independent witnesses) to prove that your version is true, the other persons Insurers may offer only a part-settlement or no settlement at all. Witnesses are therefore vitally important. Please bear in mind that we recover your losses from the other persons insurance company. They often do not offer such a speedy or helpful service as you would expect from your own Insurers. If you are unlucky enough to be involved in an accident with an uninsured driver, the chances of recovering your losses are problematic and it often takes much longer. Lastly, if you are injured we normally appoint a Solicitor to act for you from the inception of your claim.

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.

Signed by
Managing Director Composite Legal
Expenses Limited

(c) Composite Legal Expenses 2005
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