product range all flyers4

MOTOR PRODUCTS

• RTI/FINANCE Combination GAP

• CV Finance GAP

• RTI Taxi GAP

• Misfuel

• Theft Protect

• Replacement Vehicle

• Toolguard

• Personal Accident & Death Benefit

• Key Protect

• Licence Assist

RTI / Finance Combination Gap

In the event of your car being stolen and not

recovered or in an accident and declared a

total loss, very few customers will receive from

their motor insurer the amount they originally

paid for the car, or the finance outstanding and

this may mean they have to buy a lower spec

vehicle or struggle to replace this vehicle at all.

GAP Insurance provides valuable benefits for

the majority of customers who purchase a new

or used vehicle.

If a Total Loss of the insured Vehicle occurs

within the Territorial Limits during the Period of

Insurance, We will pay the difference between

the Insured Value (The amount that You receive

under Your Motor Insurance Policy in respect of

Your Vehicle being a Total Loss) and either the

purchase price of the insured Vehicle as

confirmed by the Net Invoice Selling Price or the

amount of Your Early Settlement Finance Figure,

whichever is the greater.

Eligibility Requirements

You are eligible for cover under this policy

provided:

1. You purchase this policy within 180 days of

taking ownership of the Vehicle from a VAT

Registered Dealership or Internet Broker.

2. The Net Invoice Selling Price does not exceed

£150,000 (one hundred and fifty thousand

pounds);

3. The Vehicle is listed in Glass’s Guide and is less

than 8 years old, and has covered less than

80,000, on the day that You purchase Your

policy;

4. The Vehicle is not specifically excluded under

the terms and condition of this policy.

Policy Transfer

If You sell Your Vehicle, provided that no claim

has been made under this Insurance, You may

transfer the remaining cover to the eligible

Replacement Vehicle, subject to Our

agreement. Where the Purchase Price of the

replacement Vehicle is greater than the original

Vehicle Purchase Price, an additional premium

may be required.

Innovative Insurance Solutions That Save You Money

w: www.nice-1.co.uk t: 03333 58 59 60 e mail: [email protected]

Head Office: Nice 1 House. Broad Lanes . Bilston . West Midlands WV14 0RQ

CV Finance Gap up to 44t

This Commercial Finance GAP Insurance is

arranged by Nice 1 Limited.

If a Total Loss of the insured Vehicle occurs

within the Territorial Limits during the Period of

Insurance, We will pay the difference between

the Insured Value (The amount that You receive

under Your Motor Insurance Policy in respect of

Your Vehicle being a Total Loss) and the

amount of Your Early Settlement Figure.

The maximum amount We will pay in respect of

any one claim will not exceed the Limit of

Liability as shown in Your Policy Schedule.

If You accept an offer of settlement from Your

Motor Insurer of less than the current Market

Value of the Vehicle, We reserve the right to

contact the Motor Insurer in Your name to

assess the offer of settlement and where

necessary seek settlement in-line with the

Market Value at the time of the incident that

lead to Your Vehicle being declared a Total

Loss.



provided:



Registered Dealership.

2. The Net Invoice Selling Price of the Vehicle

does not exceed £100,000 (one hundred

thousand pounds);




policy;

4. The Vehicle is a Heavy Goods Vehicle (HGV)

tractor unit or a rigid lorry weighing between 3.5

tonnes and 44 tonnes. Please note trailer units

are not covered by this policy.

5. The Vehicle is not specifically excluded under


Claim benefits (subject to policy chosen)

• Between £10,000 and £15,000 for vans &

trucks 3.5 to 7.5t up to £60,000 vehicle

value

• Between £15,000 to £20,000 for Trucks 7.5

to 44t up to £100,00 vehicle value

• Available in 36, 48 & 60 month policies.




RTI Taxi Gap

In the unfortunate event of your car being

stolen and not recovered or in an accident and

declared a total loss, very few customers will

receive back from their motor insurer the

amount they originally paid you for the car, and

this may mean they have to buy a lower spec

vehicle or struggle to replace this vehicle at all.

This Return to Invoice GAP Insurance is

arranged by Nice 1 Limited.

Nice 1 offers a comprehensive range of GAP

products to cover the shortfall between the

current market value of the vehicle and the

original invoice price of the car.



provided:



Registered Dealership or Internet Broker.

2. The Net Invoice Selling Price does not exceed

£50,000 (fifty thousand pounds);




policy;

4.The Vehicle is not specifically excluded under


RTI / Taxi GAP

• RTI (Return To Invoice) Covers the

difference between the original invoice

price and current market value.

• Available in 12, 24, & 36 month policies.

• Vehicles up to £50,000 value

• Claim benefits* (*subject to policy

chosen) between £5,000 and £10,000

• Policy covers family saloons & MPV’s

• Policy Transfer : If You sell Your Vehicle,

provided that no claim has been made,

you may transfer the cover to the eligible

Replacement Vehicle, subject to our

agreement.




Misfuel Protect

Misfuel Protect

It can be worryingly easy to Misfuel. This is

particularly common in households with access

to more than one vehicle and companies with

fleets of vehicles running on different fuel types.

An unleaded petrol pump nozzle is smaller than

a diesel nozzle and so fits into the fuel tank

without resistance.

With an increasing number of households

owning multiple cars which use different fuel

types, accidents are becoming more

commonplace.

With a few things on your mind, or being in the

usual routine of using petrol, a moment's

inattention can lead to a costly mistake..

What Is Provided?

Mis-Fuel Protect provides peace of mind for

motorists.

• The policy covers cars, vans and

motorcycles with assistance available 24

hours a day, every day of the year.

• Roadside assistance companies charge

£200+ (Excluding replacement fuel).

• 150,000 motorists misfuel every year.

• The cost to drain petrol, repair parts and

replace diesel fuel can come to

anything up to £3,000

• The repairs needed after fuel is drained

may not be covered by Insurance,

Warranties or Breakdown cover




What is Theft Protect?

Insurer courtesy vehicle programs are not always

able to provide a suitable replacement vehicle, so

Nice 1 created Theft Protect.

Subject to the customers’ own insurance policy

being unable to provide a suitable vehicle under the

courtesy vehicle program, this policy will provide a

vehicle for a selected period (14, 21 or 28 days).

In the event of insurer program failing to provide

Nice 1 will:

• Arrange the supply of a replacement vehicle

through its national rental network

When Will A Vehicle Be Provided?

We will arrange and pay for a hire vehicle if your

vehicle is:

• stolen

or is made undriveable following

• attempted theft

• damage by fire,

• vandalism

• vehicle interference

• following an incident where your vehicle is a

total loss or if your vehicle is declared a total

loss following any of these events.

Significant exclusions or limitations

• Any vehicle hire costs incurred before we

have accepted a claim.

• We will only pay vehicle hire costs up to the

limit specified and for the vehicle group

selected in the Certificate of Insurance.

• Policy holders under 21, motorcycles &

private hire vehicles are excluded from the

total loss benefit of the policy.




Replacement Vehicle

What is Replacement Vehicle?

In response to customer observations that

insurer courtesy vehicle programs are not

always able to provide a suitable replacement

vehicle, Nice 1 created Replacement Vehicle

Insurance.

Subject to the customers’ own insurance policy

being unable to provide a suitable vehicle

under the courtesy vehicle program, this policy

will provide a vehicle for a selected period

(3,7,14, 21 or 28 days).

In the event of insurer program failing to

provide Nice 1 will:

• Arrange for vehicle to be referred to

nearest alternative approved repairer

with courtesy vehicle available or

• Arrange the supply of a replacement

vehicle through its national rental

network

When Will A Vehicle Be Provided?

We will arrange and pay for a hire vehicle if

your vehicle is:

• stolen

or is made undriveable following

• attempted theft

• damage by fire,

• vandalism

• vehicle interference

• following an accident where your

vehicle is a total loss or repairable* as

decided by your motor insurers, vehicle

repairer or motor engineer, or if your

vehicle is declared a total loss by your

motor insurer following any of these

events.

*Subject to your insurer being unable to supply

a suitable vehicle under any courtesy vehicle

Program.

Significant exclusions or limitations

• Any vehicle hire costs incurred before we

have accepted a claim.

• We will only pay vehicle hire costs up to

the limit specified and for the vehicle

group selected in the Certificate of

Insurance.




What is Supercover Toolguard?

Trades people rely on their tools to carry on their

business. All too frequently, insurance for tools when

in vehicles contains restrictions where the policy will

only pay claims when vehicles are locked in a

garage or secure compound.

Tools protect provides a tools in van insurance policy

that protects the insured from having to find the

money to replace tools should they find themselves

in the unfortunate position that they are unable to

work, due to the theft of tools from their van or the

tools are damaged as a result of an accident

involving the van.

SIGNIFICANT FEATURES & BENEFITS

• If your tools in transit are destroyed,

damaged or stolen whilst in your vehicle we

will replace them.

• If your tools in transit are destroyed,

damaged or stolen during loading or

unloading we will replace them.

• This cover is limited to a maximum of 2 claims

in any 12 month period

• £500, £1,000, £2,500 £5,000, £7,500 or £10,000

cover levels (subject to premium paid) in the

event that property belonging to you or for

which you are responsible is lost, destroyed or

damaged whilst being loaded upon, carried

by, temporarily housed upon or being

unloaded from your vehicle.

The policy does not cover:

• Sheets, ropes, packing materials, securing

chains or toggles, property warehoused for a

rental or under contract for storage or

distribution, money, securities, jewellery,

watches, furs, cameras, radios, televisions,

record players, cassette players or video or

electrical equipment.

• Goods carried for hire or reward.

• Damage caused by inadequate packing.

• The first £100 of each claim

• Theft from any unattended motor vehicle

unless the tools in transit have been

concealed in a locked boot or cargo hold or

other locked internal compartment and all

the vehicle windows and doors have been

securely locked and fastened and the keys

removed and unattached trailers have had

anti-hitching devices put into operation.

• Loss or damage for anything other than your

portable tools

• Theft from any unattended motor vehicle

that occurs overnight (10pm – 6am) unless

the vehicle is:

i. parked in an area secured by a

locked gate or a locked garage

ii. ii. parked on your driveway

iii. If these conditions cannot be met

then you must park your motor

vehicle in a well-lit area, on the same

street as your private home, and the

motor vehicle must be visible form

your private home.




Personal Accident & Death Benefit (Motor)

What is PAI & DB Cover?

This insurance covers the insured person whilst driving

or travelling in the insured vehicle named in the

insured person’s motor insurance policy.

Passengers(s) are only covered whilst travelling in

the insured vehicle named in the insured person’s

motor insurance policy and driven by the insured

person or a named driver.

This insurance runs concurrently with the insured

person’s motor insurance policy. In the event of

cancellation/nonrenewal of the insured person’s

motor insurance policy, all cover under this

insurance shall cease.

Your Motor Personal Accident Insurance Policy

provides cover to indemnify you, any joint

policyholder whilst driving the insured vehicle and

any passengers if you have an accident occurring

within the United Kingdom that leads to death or

disablement up to the limits in the policy. The policy

operates alongside your motor insurance policy.

Please refer to policy document for specific

exclusions.

How much will the policy pay?

1. Accidental death £30,000

2. Total and irrecoverable loss of sight in both eyes

£30,000

3. Total and irrecoverable loss of sight in one eye

£5,000

4. Loss of one or more limbs £30,000

5. Permanent total loss of speech £30,000

6. Permanent total loss of hearing

a. in one ear £7,500

b. in both ears £30,000

7. Permanent total disablement £30,000

Additional benefits in the event of a road rage

assault or car-jacking

8. Hospital daily cash benefit £100 per day of

confinement but not beyond 30 days first night

franchise

9. Emergency dental treatment £250 excess of £25

each and every loss

10. Clothing and personal effects £150 excess of £25

each and every loss

11. Five sessions of stress counselling following a

claim under items 2, 3, 4, 5, 6, 7 and 8

The maximum accumulation limit for any one

accident shall be £240,000.

Significant Exclusions

Use of the private passenger vehicle for:

• hire or reward;

• racing competition, rallies, trials, speed

testing or for any purpose in connection with

the motor trade;

• riding a motorcycle or moped as a driver or

passenger.




What Supercover Key Protect?

This policy provides cover up to £1,500 in the event

that any insured keys are accidentally lost, stolen or

accidentally damaged. This is subject to the terms,

conditions, and limitations shown below or as

amended in writing by us.

Cost/expense incurred Extent of cover and limitations

1. Locksmith charges for lost or stolen keys • If you have no access to your motor cycle/motor

vehicle/home due to the loss/theft of your insured

key

• Up to £50 in respect of any insured key broken inside

a lock or the ignition of your motor cycle/motor

vehicle

2. Locksmith charges for keys locked in your home or

your motor cycle or motor vehicle

• If you have no immediate access to your motor

cycle/motor vehicle /home due to the loss/theft of

your insured key

3. New locks (including reprogramming of immobilisers,

infra-red handsets and alarms which are attached to

the insured key(s) at the time of the incident

• If there is a security risk to your motor cycle/motor

vehicle/home due to the loss/theft of your insured

key (which may arise from gaining entry to the

property in 1 or 2 above)

4. Replacement Keys (including any immobiliser, infra-

red handset and/or alarm which is integral to any

insured key if it cannot be repaired or re-

programmed)

• Automatic replacement if an Insured Key is stolen

• If the insured key is lost, replacement will only be

provided if you have no access to your motor

cycle/motor vehicle/home, or when your keys have

bene lost for at least 48hours

• Up to 2 keys per lock per claim

5. Onward Transport Costs • If you have no access to your motor cycle/motor

vehicle away from your home

• Up to £75 per day

6. Vehicle Hire • If you are unable to use your motor cycle/motor

vehicle due to the loss or theft of your insured keys

• Up to £40 per day

• Up to a maximum of 3 days hire

7. Hotel or Accommodation Costs • If you have no access to your home

• Up to £120 per incident

Key Exclusions

The insurer shall be under no liability for;

1. Any claim made, or any insured event causing the need for a claim to be made, which

occurs within 14 days from the start date of the policy;

2. Locks which are damaged prior to the accidental loss, theft, or accidental damage of

insured keys;

3. Replacement locks or keys of a higher standard or specification than those insured;;

4. Vehicle hire charges after the third day of hire;

5. Loss or destruction of, or damage to, any property other than an insured key and its

associated lock or ignition system, and any immobiliser, infra-red handset and/or alarm

attached to the insured key;

6. Any claim for theft or loss where the insured event has not been reported to the police

within 48 hours and an incident report number obtained.




What is Licence Assist?

Licence Assist is a legal expenses insurance contract. Provided no more than 6 points have

already been accrued as a result of conviction for offences covered by the policy, it will help

you by providing:

� Motor legal advice

� Legal representation if you are at risk of being disqualified from driving

� A monthly financial benefit of £500 or £1,000 if you are disqualified.

MOTOR LEGAL ADVICE HELPLINE

� We will provide advice on any personal legal problem related to motoring, under the laws of

Great Britain and Northern Ireland.

� Advice about the law in England and Wales is available 24 hours a day, seven days a week.

MOTOR PROSECUTION DEFENCE

� If you are prosecuted for a motoring offence and may be disqualified from driving, we

will appoint our preferred choice of law firm to defend you, and will pay their costs and

expenses. This includes prosecutions for getting 12 or more penalty points.

SIGNIFICANT EXCLUSIONS & CONDITIONS

� We will pay a maximum of £25,000 in legal costs.

� You must tell us within 10 days of receiving a Notice of Intended Prosecution, or as soon

as reasonably possible if you are notified of a prosecution any other way.

� We will not pay to challenge a fixed penalty notice.

� We will not pay fines, penalties, prosecution (court) costs or victims surcharge.

DISQUALIFICATION BENEFIT

� If you are disqualified from driving, we will pay you a fixed monthly benefit. The amount

you have chosen will be shown in your schedule.

SPEED AWARENESS COURSES

If you are offered the option of taking a Speed Awareness Course instead of a fixed penalty or

prosecution, we will pay the cost of the course.




EXCESS PROTECTION • Buildings & Contents

• Business Car

• Caravan & Motorhome

• Car Hire Excess Protect

• Commercial Combined

• Commercial Vehicle

• Driving Instructor

• Fleet & Commercial Vehicle Combined (5 to 20 vehicle)

• Fleet (singly 1 to 4 vehicle)

• Lifestyle (2,3 & 5 Star)

• Minibus

• Motor Trader

• Motorcycle

• Multi Vehicle (Family Fleet)

• Private Motor

• Taxi

• Tradesman Liability

Buildings & Contents XS Protect

What is XS Protect?

When you make a claim on an insurance

policy, you will normally have to pay some of

the costs yourself. This is called the policy

excess.

If you need to make a claim on an insurance

policy. XS insurance will ensure your excess is

paid back to you up to a pre-agreed limit.

Save Money

Most customers will find that the higher you are

willing to set your excess the lower the premium

on your policy will be. This figure is almost totally

dependent on you, your age and insurance

claim history. Choosing the right amount of

excess can help make sure you get the best

deal.

Buildings & Contents XS Protect

Imagine if you spilt red wine on your lovely new

carpet. If the replacement cost was £529 with a

£300 excess, your insurers would settle the claim

for £229 and your XS Protect policy would

reimburse you the £300 excess, ensuring you are

not left out of pocket.(subject to it being within

the annual cover limit that you have selected).

With XS Protect you will no longer have to worry

about being out of pocket for the excess. Once

the claim is settled by your insurance company,

XS Protect will refund your excess.

• Allows you to protect yourself against

having to pay the excess on a policy

issued in your name, insured by a UK

insurer and which is regulated by the FSA

• We follow the insurer –If they pay out–We

pay out

• Simple, straight forward and easy to

understand

• Depending on client profile, the policy

may be self-funding i.e. increased excess

saves more than the cost of the policy

(although this is not the primary reason

for taking cover)

• Excess cover levels from £250 to £2,000




Business Car XS Protect

What is XS Protect?




excess.




Save Money







deal.

Business Car XS Protect

In the case of Business Car insurance, the

type(s) of vehicle to be covered and the driving

history will have an effect on the policy excess

applied by the insurance company. Designed

for the company or individual using their vehicle

for business use.










pay out


understand





for taking cover)





Caravan & Motorhome XS Protect

What is XS Protect?




excess.




Save Money







deal.

Caravan & Motorhome XS Protect

In the case of Caravan & Motorhome

insurance, the type(s) of vehicle to be covered

and the driving history will have an effect on

the policy excess applied by the insurance

company.










pay out


understand





for taking cover)





EXTRA CHARGES CAN DOUBLE THE COST OF CAR HIRE

YouGov research revealed consumers renting a car

in the UK or overseas felt buying excess insurance

from the rental firm was a rip off. Many said it’s

expensive, dropped on them at the rental desk and

has hidden costs involved. If excess cover isn’t

bought by a car hire customer, they could end up

being liable for as much as £1,500 if the vehicle is

damaged or stolen.

This policy from Nice 1 meets the demands and

needs of a person seeking to protect the amount

they are liable to pay under their car hire agreement

in the event of an incident affecting the vehicle

during their period of hire and other loss incidental to

the hire where the eligibility criteria are met.

This policy will cover you for certain events as

detailed opposite on a reimbursement basis.

Significant Exclusions

(1) You must be at least 21 years of age and be a resident of the United

Kingdom

(2) Result in a loss occurring within 180 days of the date of the accident.

(3) You are not covered for wear, tear and depreciation of the article(s)

(4) You are not covered for the cost of replacing locks when only the parts

need to be replaced

(5) You are not covered for

a. Any claim if you are unable to provide a copy of;

i. The car rental agreement, and

ii. A medical certificate from a medical practitioner confirming the nature

of the illness, dates of the illness and the dates you were confined to bed.

b. Any claim if the car rental agreement was for less than 7 days.

(6) You are covered up to the amount shown in the benefits schedule for

any drop off charges you incur through the car rental company in the

event of there being no one on the car rental agreement available to

return the rental vehicle to the originally intended car rental station

following an accident/illness for which at least one nights hospitalisation

takes place.

(7) You are covered up to the amount shown in the benefits schedule in

the event that you are unintentionally locked out of a rented vehicle with

the keys inside for the necessary costs incurred to open the car without

causing any further damage.

CAR RENTAL XS PROTECT

Significant Benefits Cover Levels

Excess Reimbursement (1)

• Europe

• Worldwide

• Towing cost cover

£5,000

£50,000

£500

Personal Accident (2) – loss of

sight, limb(s) or permanent

total disablement

Maximum payable in the

event of death

£10,000

£10,000

Personal Possessions cover –

overall limit

Maximum per item, pair or

set(3)

£300 (£50 excess applies)

£75

Key Cover (4) – per claim / per

period of insurance

£500 / £500

Curtailment of rental (5) – per

day / per agreement

£30 / £300

Drop off charges (6) £300

Lock out (7) £100

Misfuelling (8) £500

Road rage cover (9) £1,000

Car jacking cover (10) £1,000


a. Any claims for the cost of repair or replacement of any mechanical part

or damage to the engine arising from the use of the incorrect fuel.

b. Any costs associated with any missed departure.

c. Any costs from any consequential loss whatsoever. Claims shall only be

paid for those losses which are specifically stated under the terms of this

insurance


a. Any claim where the physical assault is caused by a relative or a person

known to you.

b. Any claim for bodily injury which is not supported by medical evidence.

c. Any claim if the incident is not reported to the policy within 24 hours of it

taking place and a written report obtained.

d. Any claim if you or one of your passengers contributed either vocally or

physically to the incident, other than the initial accident.


a. Any claim where the physical assault is caused by a relative or a person

known you.

b. Any claim for bodily injury which is not supported by medical evidence.

c. Any claim if the incident is not reported to the police within 24 hours of it

taking place and a written report obtained.

d. Any claim if you or one of your passengers contributed either vocally or

physically to the incident, other than the initial accident.

Innovative Insurance Solutions That Save You Money w: www.nice-1.co.uk t: 03333 58 59 60 e mail: [email protected]


Commercial Combined XS Protect

What is XS Protect?




excess.




Save Money







deal.

Commercial Combined XS Protect

Designed to protect the insurance excesses

that apply in the business sector. Covers any

excess up to the annual aggregate limit.

Covers: Material Damage, Business Interruption,

Employers Liability, Public Liability, Product

Liability, Contract Works, E & O Insurance.










pay out


understand





for taking cover)

• Excess cover levels £300, £500, £1,000 &

£2,500




Commercial Vehicle XS Protect

What is XS Protect?




excess.




Save Money







deal.

Commercial Vehicle XS Protect

In the case of commercial vehicle motor

insurance, the type(s) of vehicle to be covered

and the driving history will have an effect on

the policy excess applied by the insurance

company. This policy can cover vehicles up to

44 tonnes and fleets of up to 30 vehicles and

includes caravans & motorhomes.










pay out


understand





for taking cover)





Driving Instructors XS Protect

What is XS Protect?




excess.




Save Money







deal.

Driving Instructors XS Protect

In the case of Driving Instructors insurance, the



applied by the insurance company. Driving

Instructor XS Protect is included within our

Private Car XS policy.










pay out


understand





for taking cover)





Fleet & Commercial Combined XS Protect

What is XS Protect?




excess.




Save Money







deal.

Fleet & Commercial Combined XS Protect

Fleet & Commercial Combined XS Protect is

designed to accommodate larger fleets of

mixed car and vans. Blocks of 5, 10, 15 and 20

vehicles enables significant discounts on

individual fleet vehicle policies.










pay out


understand





for taking cover)

• Excess cover levels from £1,000 to £6,500

• Ideal for mixed car and van fleets

• Up to 5, 10, 15 and 20 vehicles covered




Fleet XS Protect

What is XS Protect?




excess.




Save Money







deal.

Fleet XS Protect

Fleet XS Protect is provided within our specialist

Commercial XS Protect policy and refunds the

excess you may have to pay in the event of a

claim on your motor policy.










pay out


understand





for taking cover)


• Ideal for small fleets up to 4 vehicles

• See Fleet & Commercial combined for

mixed car/van and larger fleet discounts




Lifestyle XS Protect

What is XS Protect?




excess.




Save Money







deal.

Lifestyle XS Protect

An entirely new product. Its creation puts an

end to fears of making claims on high excess

policies, by ensuring customers will be

reimbursed the excess they have paid. Cover

available for up to 5 types of policy: Motor,

Home, Medical, Travel & Pet insurance.










pay out


understand





for taking cover)





Minibus XS Protect

What is XS Protect?




excess.




Save Money







deal.

Minibus XS Protect

In the case of Minibus insurance, the type(s) of

vehicle to be covered and the driving history

will have an effect on the policy excess applied

by the insurance company.










pay out


understand





for taking cover)





Motor Traders XS Protect

What is XS Protect?




excess.




Save Money







deal.

Motor Traders XS Protect

In the case of Motor Traders insurance, the



applied by the insurance company. Motor

Traders XS Protect is provided within our

specialist Commercial XS Protect policy.










pay out


understand





for taking cover)





Motorcycle XS Protect

What is XS Protect?




excess.




Save Money







deal.

Motorcycle XS Protect

In the case of Motorcycle insurance, the type(s)

of vehicle to be covered and the driving history


by the insurance company. Motorcycle XS

Protect is included within our Private Car XS

policy.










pay out


understand





for taking cover)





Multi Car Family Fleet XS Protect

What is XS Protect?




excess.




Save Money







deal.

Multi Car Family Fleet XS Protect

Multi Car Family Fleet XS Protect refunds the

excess you may have to pay in the event of a

claim on your motor policy.










pay out


understand





for taking cover)

• Excess cover levels £250, £500, £750 &

£1,000

• Designed for the multi car family fleet

• Up to three vehicles from the same

household covered




Private Motor XS Protect

What is XS Protect?




excess.




Save Money







deal.

Private Motor XS Protect

In the case of motor insurance, the type of

vehicle to be covered and your driving history


by the insurance company. Private motor XS

protect includes cover for motorcycles & driving

instructors.










pay out


understand





for taking cover)





Taxi XS Protect

What is XS Protect?




excess.




Save Money







deal.

Taxi XS Protect

In the case of taxi insurance, the type of vehicle

to be covered and your driving history will have

an effect on the policy excess applied by the

insurance company.










pay out


understand





for taking cover)





Tradesman Liability XS Protect

What is XS Protect?




excess.




Save Money







deal.

Tradesman Liability XS Protect

Designed to protect the insurance excesses

that apply to liability policies that cover

tradesmen. Covers any excess up to the annual

aggregate limit.










pay out


understand





for taking cover)

• Excess cover levels £250, £300, £500,

£1,000 & £2,500




LIFESTYLE PRODUCTS • Bicycle Protect

• Handbag & Briefcase Protect

• Gadget

• Domestic Home Emergency

• Landlord Home Emergency

• Single Appliance

• Multi Appliance

• Landlord Multi Appliance

• Family Professional / Legal Protection

• Commercial Legal Protection

• Landlord Legal Protection

Bike Protect

What is Bike Protect?

The policy entitles you to

repair or replacement of

your bicycle, once all

relevant paperwork has

been received and

extends to cover up to 60

days whilst you are abroad.

Depending on the level of cover you have

selected the policy will cover the bicycle you

stated on the application up to a maximum

sum insured.

Accidental Damage : We will pay repair costs if

your bicycle is damaged as the result of an

accident.

Theft : If your bicycle is stolen we will replace it.

Where only part or parts of your bicycle have

been stolen, we will only replace that part or

parts.

Breakdown : Mechanical breakdown that

occurs outside the manufacturer’s guarantee

period.

Cover Levels : £500, £1,000, £1,500, £2,000,

£2,500 and £3,000

Personal Accident : We will pay the amount

shown if at any time whilst you are using your

bicycle, you are involved in an accident, which

shall solely and independently of any other

cause, bring about such bodily injury which

results in either death, loss of limb, loss of sight or

permanent total disablement.

The amounts we will pay under this section are:

• Loss of limb £5,000;

• Loss of sight £5,000;

• Permanent total disablement £10,000;

• Death £10,000;

Benefit under this section shall be payable to

you or your nominees, and shall be limited to a

maximum of £10,000 per person.

Exclusions

• Accidental damage caused by you

deliberately damaging or neglecting the

bicycle;

• An Excess Fee of the first 10% of the

maximum cover limit for your bicycle,

with a minimum charge of £25.

• Any theft not reported to the police

within 24-hours and a crime reference

number obtained




What is Handbag & Briefcase Protect?

The policy entitles you to replacement of your

handbag / briefcase, its contents and your

personal items, once all relevant paperwork has

been received and extends to cover up to 90

days whilst you are abroad.

This policy covers up to a maximum value per

claim (the maximum claim value can be found

on your Schedule of Insurance) and allows up

to a maximum of two claims to be made within

any 12 month period.

POLICY COVER

Theft - If your handbag / briefcase, its contents

or your personal items are stolen we will replace

them.

Accidental loss - If you accidentally lose your

handbag / briefcase, its contents and your

personal items we will replace them.

Cover levels – Cover levels of £250, £500 and

£1,000

General conditions applicable to all sections

• The handbag / briefcase, its contents and your

personal items must be less than 36 months old with

valid proof of purchase in your name when the

policy is started.

• Any claims for personal items exceeding £100

where proof of purchases are not available

What we will not cover

• The first £25 of each theft & first £50 of each loss

claim.

• Theft from any vehicle unless your handbag /

briefcase, its contents or your personal items have

been concealed in a locked boot, glove

compartment or other internal compartment and all

the vehicle’s windows and doors closed and locked

and all security systems have been activated.

Damage must be caused by the thief and a crime

reference number relating to this damage and this

theft must be provided with your claim.

• Theft where the handbag / briefcase, its contents

or your personal items have been left unattended

when away from your home.

• Any theft not reported to the police within 48-hours

and a crime reference number obtained.




What is GADGET SUPERCOVER?

Electronic gadgets are now part and parcel of our

everyday lives and in addition to the inconvenience,

the cost of replacement can be expensive and

depending on the model can run into hundreds of

pounds.

Gadget Supercover will provide cover without the

need to claim on a main motor or household policy,

keeping any No Claims Discount intact.

Significant Features and Benefits This policy provides cover up to the limit shown on

your Policy Schedule for the items you have insured

with us. This policy will provide cover for insured perils

that include:

• Accidental damage - We will pay for repair costs if

your gadget is damaged as the result of an

accident.

• Theft - If your gadget is stolen we will replace it.

• Loss - If you lose your mobile phone we will replace

it. No other gadget is insured for accidental loss.

• Breakdown - Electrical or mechanical breakdown

that occurs outside the manufacturers guarantee

period. This cover is not available on laptops.

• Worldwide Cover - Your gadget is covered for up

to 90 days abroad within any 12 month period.

Replacement or repair can only be dealt with once

you are back in the UK.

• Fraudulent Call Cover - If your mobile phone is

accidentally lost or stolen and is used fraudulently,

we will reimburse you for the costs upon receipt of

your itemised bill up to the maximum value of £2500.

• Cover for you and your immediate family

• Under the Accidental Damage, Breakdown and

Liquid Damage sections, items may be repaired

(where possible) or replaced, at our discretion

Levels of Cover Available • Cover is limited to two claims per insured peril

during any single period of insurance.

• Cover levels of £500 & £1,000

• £250 / £300 / £750 / £1500 values on request

• In vehicle only versions also available

This policy will not cover: • Accidental damage caused by:

- you deliberately damaging or neglecting the

gadget;

- routine servicing, inspection, maintenance or

cleaning; or

- any cosmetic damage

• Theft from any motor vehicle unless the gadget

has been concealed in a locked closed boot,

pannier, other closed internal compartment and all

the vehicle’s windows and doors closed and locked

and all security systems have been activated.

Damage must be caused by the thief and evidence

provided with your claim;

• Theft from any building, land or premises unless

force, resulting in damage to the building or

premises, was used to gain entry or exit;

• Any theft or loss not reported to the police within

48-hours and a crime reference number obtained;

• Any theft or loss of a mobile phone which has not

been reported to your airtime provider within 24

hours of you discovering the theft;

• The loss of gadget other than your mobile phone

• The gadgets must be less than 36 months old with

valid proof of purchase when the policy is started.

This insurance does not cover gadgets purchased

outside of the UK, or any gadgets purchased second

hand.

•There is an excess fee for all claims which must be

paid before your claim can be approved. This is first

£25 of each theft or accidental damage claim or

the first £50 of each accidental loss claim.




Domestic

Home

Emergency What is Home Emergency?

Our Home Emergency insurance provides you with

an urgent response should you be faced with an

emergency at your home arising from a number of

potentially disastrous events that require assistance

from a reliable and reputable contractor. We have

arranged links with tradesmen all over the UK so that

your emergency can be assessed and a suitable

response put in hand with minimal delay.

What type of emergencies are covered?

1. Damage to or blockage, breakage or

flooding of the cold water supply and

drainage system;

2. failure of the main domestic hot water or

central heating system in your home to

function;

3. failure of the domestic electricity or gas

supply from a cause arising within your home;

4. roof damage caused by storm which results

in or is likely to result in internal damage;

5. damage to, or internal mechanical failure of,

the toilet cistern in your home resulting in

complete loss of function of the only working

toilet at your home;

6. damage to or the failure of external doors,

windows or locks which significantly

compromises the security of your home

7. ingress of water or compromised security

caused by subsidence or landslip;

8. impact damage by falling trees, motor

vehicles, aerials, masts, aircraft or other aerial

devices; or

9. loss of keys or damage to your keys or locks

preventing you from gaining access to your

home

10. vermin causing damage inside your home or

becoming a health risk to you

requiring urgent assistance to carry out repairs,

make your home safe or secure, prevent further

damage or gain access.

Significant and unusual exclusions or limitations

• You will be responsible for paying the first £50

of each and every claim.

• Any claim arising in the first 30 days of the

insurance period unless this is a renewal of

any policy covering the same risks

• You will not be insured for more than three

claims in any one period of insurance.

• Heating systems and boilers that are LPG

fuelled, oil fired, solar or un-vented or any air

conditioning equipment.

• No age limit on your boiler as long as all the

essential working parts are available. If not

possible to repair your boiler or you choose to

replace it at any time, as a customer, you

are entitled to a discount on the cost of

installing a boiler if we replace it for you.




Landlord

Home

Emergency What is Landlord Home Emergency?

Our Landlord Home Emergency insurance provides

you with an urgent response should you be faced

with an emergency at your property arising from a

number of potentially disastrous events that require

assistance from a reliable and reputable contractor.

We have arranged links with tradesmen all over the

UK so that your emergency can be assessed and a

suitable response put in hand with minimal delay.

What type of emergencies are covered?

11. Damage to or blockage, breakage or

flooding of the cold water supply and

drainage system;

12. failure of the main domestic hot water or

central heating system in the property to

function;

13. failure of the domestic electricity or gas

supply from a cause arising within the

property;

14. roof damage caused by storm which results

in or is likely to result in internal damage;

15. damage to, or internal mechanical failure of,

the toilet cistern in the property resulting in

complete loss of function of the only working

toilet at the property;

16. damage to or the failure of external doors,

windows or locks which significantly

compromises the security of the property

17. ingress of water or compromised security

caused by subsidence or landslip;

18. impact damage by falling trees, motor

vehicles, aerials, masts, aircraft or other aerial

devices; or

19. vermin causing damage inside the property

or becoming a health risk to occupiers

requiring urgent assistance to carry out repairs,

make your home safe or secure, prevent further

damage or gain access.

Significant and unusual exclusions or limitations

• You will be responsible for paying the first £50

of each and every claim.

• Any claim arising in the first 30 days of the

insurance period unless this is a renewal of

any policy covering the same risks

• Heating systems and boilers that are LPG

fuelled, oil fired, solar or un-vented or any air

conditioning equipment.

• No age limit on your boiler as long as all the

essential working parts are available. If not

possible to repair your boiler or you choose to

replace it at any time, as a customer, you

are entitled to a discount on the cost of

installing a boiler if we replace it for you.

• Any wilful or negligent act or omission by you

or your tenant

• Any costs incurred for work carried out other

than by an approved repairer

• Any home that has been left unoccupied for

more than 30 consecutive days




Single Appliance Protect

What is Single Appliance Protect?

This is a single appliance policy that covers most

repair or replacement costs for either a domestic

appliance or a consumer electronic product that

suffers breakdown as a result of abrupt mechanical

or electrical failure which prevents the item

operating normally and necessitates repair to restore

normal operation.

What type of appliances can I cover and how

many?

You can cover any ONE of the following domestic

appliances or consumer electronic products:

Dishwasher, Free Standing Cooker, Freezer, Fridge /

Freezer, Hob, Oven, Microwave Oven, Refrigerator,

Tumble Dryer, Washer/Dryer, Washing Machine DVD

Player/Recorder, Hi-Fi System, LCD/LED/Plasma

Television, Digital Receiver (Sky, FreeView, FreeSat),

Home Theatre Equipment, Sound servers of Wi-fi MP3

units.

To benefit from the cover, the item to be insured

should no longer be within the manufacturer

guarantee period and be less than 8 years old. In

addition the insured item must have been bought in

the UK, be owned by you and installed in your

home.

Cover Level A

You can insure either a domestic appliance or a

consumer electronic product and the maximum you

can claim is limited to £500 during the period of

insurance.

Cover Level B



can claim in any one period of insurance is limited to

£1,000.

Cover Level C



can claim in any one period of insurance is limited to

£2,000.




Multi Appliance Protect

What is Multi Appliance Protect?

Multi Appliance Protect covers most repair or

replacement costs for domestic appliances and

consumer electronic products that suffer breakdown

as a result of sudden mechanical or electrical failure.


many?

You can cover the following domestic appliances:

Dishwasher, Free Standing Cooker, Freezer ,

Fridge/Freezer , Hob, Oven, Microwave Oven,

Refrigerator, Tumble Dryer, Washer/Dryer, Washing

Machine and the following consumer electronic

products DVD Player/Recorder, Hi-Fi System,

LCD/LED/Plasma Television, Digital Receiver

(Sky,FreeView, FreeSat), Home Theatre Equipment,

Sound servers of Wi-fi MP3 units.

The policy can cover a maximum number of 5 or 10

items depending upon the cover option you select

provided you specify what they are, how much they

cost and when you bought them at the time you

take out the policy.

To benefit from the cover, all items to be insured



addition the insured items must have been bought in

the UK, be owned by you and installed in your

home.

Cover Level A

You can only insure domestic appliances (up to 5

items in all) and the maximum you can claim is

limited to £1,000 during the period of insurance.

Cover Level B

You can insure a mixture of domestic appliances

and consumer electronic products up to a

maximum of 10 in all. The maximum you can claim in

any one period of insurance is limited to £3,000.

Cover Level C

Similar to Cover Level B but with the maximum

amount you can claim during the period of

insurance increased to £5,000.




Landlord Multi Appliance Protect

What type of insurance is it?

This is a multi-appliance policy that covers most

repair or replacement costs for domestic appliances

that suffer breakdown as a result of sudden

mechanical or electrical failure.


many?

You can cover the following domestic appliances:

Dishwasher, Free Standing Cooker, Freezer, Fridge /

Freezer , Hob, Oven, Microwave Oven, Refrigerator,

Tumble Dryer, Washer/Dryer, Washing Machine.

The policy can cover a maximum number of 3 or 5

items depending upon the cover option you select

provided you specify what they are, how much they

cost and when you bought them at the time you

take out the policy.

To benefit from the cover, all items to be insured



addition the insured items must have been bought in

the UK, be owned by you and installed in a property

that you own.

What is the difference between Cover Level options?

There is no difference in the risks covered whichever

option you select. The differences are in the number

and type of products you can insure and in the

maximum amount that you can claim during the

period of insurance as follows:

Cover Level A

You can only insure domestic appliances (up to 3

items in all) and the maximum you can claim is

limited to £1,000 during the period of insurance.

Cover Level B

You can insure domestic appliances up to a

maximum of 5 in all. The maximum you can claim in

any one period of insurance is limited to £ 1,500.

What does the policy cover me for?

The policy is designed to pay for repair costs

following abrupt mechanical or electrical failure

which prevents the item operating normally and

necessitates repair to restore normal operation. If in

our opinion the item is beyond economic repair we

will, at our discretion, replace it with one of identical

or similar specification provided the cost of

replacement does not exceed the price paid for the

original item.

If the item to be replaced is more than four years old

a deduction for depreciation in accordance with

the age related scale set out in the policy will apply

to your claim.




FAMILY PROFESSIONAL FEES

What is the Family Professional Fees Policy?

The policy is designed to cover the cost of

professional fees charged by a claims handler,

solicitor or accountant following a specific

occurrence, provided that cover for that

occurrence is detailed within the policy wording and

is not specifically excluded within the policy

schedule issued.

The policy includes the following features (unless

specifically excluded by the policy schedule issued),

which are fully explained in detail in the policy

wording. The Claim Limits provided will be shown on

the policy schedule issued.

• Personal Injury - Death of or bodily injury

resulting from the negligence of another

person.

• Consumer Disputes - Pursuing or defending a

claim which arises from a contract for

services, purchase, hire, hire purchase or sale

of personal goods.

• Home Rights - Pursuing claims connected to

goods or services used in your home or an

infringement of your rights relating to your

home.

• Taxation - Professional Fees arising from or

relating to an Aspect Enquiry in excess of

£100 or an in-depth HM Revenue & Customs

investigation of your personal tax affairs.

• Employment - Disputes with Your employer

for compensation or reinstatement or re-

engagement on the grounds of unfair

dismissal or unfair selection for redundancy.

• Criminal Prosecution Defence - Defence of

your legal rights including appeal, where

criminal proceedings have been brought

against you.

• Education - Appealing against a decision of

a Local Education Authority arising out of the

LEA’s failure to comply with its published

admission policy resulting in the refusal to

accept the Insured’s child at the school of

their preference.

• Probate - The pursuit of a claim in respect of

a probate dispute involving the Insured

person’s parents, grandparents, children,

step-children or adopted children.

• Identity Theft - Defending a claim from a

financial institution, merchants or their

collection agencies. Removal of criminal or

civil judgments wrongly entered against the

Insured Person.

• Jury Service Expenses - The actual loss of

salary or wages of an Insured Person for the

time off work to attend a Court for Jury

Service provided the amount paid under this

section shall not exceed £100 per person per

day up to a maximum of £1,000 per claim.

• Legal Advice Helpline Service - Free access

to legal advice & assistance.

CLAIM LIMITS

• Any One Claim £50,000

• Any One Period of Insurance £50,000

• Unless detailed otherwise in the specific

section of the policy wording




COMMERCIAL LEGAL PROTECTION

What is Commercial Legal Protection?

The high cost of legal advice, coupled with

increasingly complex and changing employment

legislation, means few companies have the

resources or expertise to defend themselves against

legal action.

Employees are increasingly aware of their rights and,

encouraged by several high-profile cases and

increasing media coverage, are more likely to take

action if they lose their job or consider they have

been discriminated against.

Would you know what to do if:

•Your company was taken to an employment

tribunal?

•Your company was subject to a tax enquiry by

HMRC?

•The Health & Safety Executive prosecuted your

company following an accident at your premises?

Nice 1 Commercial Legal Protection offers

comprehensive cover for the main areas where

legal disputes may arise.

What we pay

The policy will pay legal costs up to £100,000

including solicitors’ and barristers’ fees, court costs,

expenses for expert witnesses, attendance

expenses, accountants’ fees and employment

compensation awards. It will also pay the costs of

appealing or defending an appeal.

What the policy covers

• Employment disputes and compensation

awards

• Defending your legal rights in employment

tribunals, contract disputes & statutory rights

breaches

• Employee Civil Defence

• Service occupancy

• Legal defence involving proceedings when

dealing with the police or the relevant Health

and Safety authority

• Statutory licence appeal - Appealing to the

relevant statutory or regulatory authority

• Contract disputes cover – negotiating legal

rights following purchase or hire or sale or

provision of goods or services

• Property protection and personal injury -

Pursuing your / your employees legal rights

following actions of damage against

property or incidents involving injury

• Tax protection - Full or aspect enquiries

Representing in respect of a full or aspect

enquiry carried out by HMRC.

• A £200 excess for aspect enquiries

• Cross-tax enquiries - Representing in any

dealings with HMRC in respect of a full

enquiry which includes a review of VAT

and/or Employer compliance.

• Employer compliance disputes -

Representing you in appeal proceedings

concerning your compliance with PAYE,

Social Security, Construction Industry or IR35

legislation and regulations.

• VAT disputes - Representing in appeal arising

out of a dispute with HMRC.

• Helpline services




Landlord Legal & Professional Fees

What type of insurance is it?

The policy is designed to cover the cost of professional fees charged by a claims handler, solicitor or

accountant following a specific occurrence, provided that cover for that occurrence is detailed within the

policy wording and is not specifically excluded within the policy schedule issued.

SIGNIFICANT FEATURES AND BENEFITS

The policy includes the following features which are fully explained along with exclusions and limitations in

full detail in the policy wording.

CLAIM LIMITS:

Any One Claim £50,000. Any One Period of Insurance £50,000 Unless detailed otherwise.

Section of Cover Cover Provided Specific Section Exclusions

Breach of Tenancy Agreement Pursuit following a breach by the

tenant of any of their obligations

under the tenancy Agreement.

Pursuit of Rent Arrears The pursuit of Rent Arrears which

commenced during the period of

insurance.

Professional Fees incurred in

connection with interest on Rent or

service charges payable by the

tenant. Any Rent payable after You

have recovered full and vacant

possession.

Eviction The eviction of anyone in the

property without your permission.

Legal Defence The defence of civil or criminal

proceedings in respect of any act or

omission by you arising from your

ownership or management of the

property.

Legal Advice Helpline Service Free access to legal advice &

assistance.

The helpline can provide general

advice only and cannot assist with

complex legal matters which may

require the review of

documentation and is not intended

to replace the services of a solicitor.




PRODUCTS PENDING • Total Loss Protect

• GAP PLUS – Includes a replacement vehicle

• Breakdown Car / Van / Taxi

• Gadget / Bag Combination

• Gadget / Tools Combination

• Landlord suite – Rent Guarantee, Legal, B & C etc

• Commercial Suite

• Cyber Liability

• Professional Indemnity

• Travel

• Employment ET3 Legal

• Holiday Home Legal

• Helmets & Leathers

• Scratch, dent & alloy cover

• MOT Failure Cover

• Tyre Cover

• Uninsured Third Party Protection

• Windscreen & Glass

• Flood Excess Protect

• Commercial Property Owners LEI

• Home Buyers Protection

• I.D. Theft Protection

• Motor Legal Expenses

• Tradesman Professional Indemnity

• Taxi Legal Expenses

• Tax Fee Protection

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