Wrisk Car Insurance

Insurance Product Information Document

Company: Wrisk Transfer Limited, authorised and regulated in the UK by the Financial Conduct Authority under ref no. 788062

Product: Wrisk Car Insurance

Please note that full pre-contractual and contractual information about this policy is provided in the policy wording and policy schedule.

What is this type of insurance?

This is a perpetual monthly subscription car insurance policy, meaning cover will continue until you or we cancel, which provides cover against damage to your car or damage caused by your car, as summarised below. You may also include optional policy upgrades, such as NCB protection if eligible.

What is insured?

  • Loss of or damage to your car: Resulting from accidental damage, fire or theft.
  • Third party liability: Following an accident, we’ll cover your liability to other people for injury (unlimited) or damage to their property (up to £20 million).
  • Foreign travel: Full policy cover for up to 90 days within the Territorial Limits in any 12 month period.
  • Replacement locks and keys: Cover to the value of £1,000 if your car keys are lost or stolen.
  • Courtesy car: Covered for the full duration of repairs by our recommended repairer for up to 14 days.
  • Windscreen cover: Glass repair or replacement subject to applicable limits and excess.
  • Car contents and personal belongings: Cover up to £250 for items in your car, roof box or luggage trailer.
  • Replacement child car seat: Cover in the event of an accident which involves impact damage.
  • Driving other cars: Your liability to others when you are driving any car that is not covered under this policy, if this is shown on your Certificate of Motor Insurance.
  • Personal accident cover up to £2,500 per person up to a maximum of £7,500.
  • Medical expenses of up to £250.
  • Uninsured driver promise: If you make a claim against an uninsured driver for an incident that isn’t your fault, you’ll keep your No Claims Bonus.
  • Electric vehicles: Cover for your battery and charging cables.

Optional covers

  • No Claims Bonus Protection: Allows you one claim in a 12 month period without reducing your No Claims Bonus.

What is not insured?

  • Any loss, damage or liability if you are not aged 17 to 85 and do not live permanently in the United Kingdom, the Channel Islands or the Isle of Man.
  • Any loss, damage or liability if your car is not taxed and registered in the United Kingdom, the Channel Islands or the Isle of Man.
  • Any travel outside the territorial limits.
  • Death or Bodily Injury caused by alcohol, drugs, racing, not wearing a seatbelt, or any event caused intentionally by an insured person.
  • General wear and tear including tyres, brakes etc.
  • Intentional damage by the policyholder or named drivers.
  • Your policy excesses. You must pay the appropriate excess for each claim you make.

Are there any restrictions on cover?

  • You are only covered in the United Kingdom, the Channel Islands and the Isle of Man in respect of loss of or damage to your car, subject to Section 7 in your policy wording.
  • Theft or attempted theft of your car if your car is unoccupied at the time of the theft, unless your car is locked and the ignition key or other removable ignition device was not in, on or left unattended in the immediate proximity of your car.
  • Loss or damage to non-standard audio/visual and other non-standard in-car entertainment.
  • Car contents and personal belongings are not covered in the event of theft if your car is unoccupied, unless locked away as per Section 5 in your policy wording.
  • Driving other cars is for drivers aged 25 years or older. You are only covered in the United Kingdom, the Channel Islands and the Isle of Man.
  • No Claims Bonus (NCB) Protection is only available if you have earned at least 4 years NCB at inception of the policy.
  • Uninsured driver promise will only apply once we prove that the accident was not your fault and you provide details of the uninsured driver, if possible.
  • If your car is fitted with a Thatcham approved tracking device you must ensure it has an active tracking subscription that is fully operational at all times.

Where am I covered?

As standard you are covered when driving your car in the United Kingdom, the Channel Islands and the Isle of Man.

In addition to the legal minimum cover required to drive in the territorial limits, you will have your full policy cover for up to 90 days in any 12 month period in the following countries: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, the Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City.

What are my obligations?

When and how do I pay?

Your initial payment is payable by credit or debit card before your policy starts. Once your policy is active, the premium is payable monthly by Direct Debit. We will automatically take payment each month from the bank or building society account you nominate on or around the billing date you choose.

If we are unable to take payment via Direct Debit we will immediately notify you and request payment via credit or debit card. We will give you a minimum of 24 hours notice to pay by card before issuing 7 days cancellation notice in writing via email to your last known email address. If payment is not received, your policy will be cancelled at the end of your 7 day notice period.

When does the cover start and end?

Cover starts on the date shown on your schedule and remains in force until you or we cancel.

How do I cancel the contract?

You can cancel the policy at any time through your customer account. Cover will cease immediately, and we will return a pro rata proportion of the premium for the period for which you have already paid but for which cover is not required. If a prejudicial claim has been made since the start of the policy term, the full premium paid will be retained by us. You will not be charged a fee to cancel your policy.