Car Hire Excess - Why Laya Healthcare Travel Insurance?
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Car Hire Excess Insurance
Welcome to your laya healthcare car hire excess insurance policy. This policy document along with your insurance schedule and confirmation email forms the basis of your contract of insurance. Together, these documents explain what you are covered for. The policy document contains conditions and exclusions which you should be aware of. You must keep to all the terms and conditions of the insurance. Please read this policy document to make sure that the cover meets your needs and please check the details outlined within your insurance schedule and confirmation email to make sure that the information shown is correct. Signed for and on behalf of Declan O’Rourke General Manager AIG Europe S.A. 30 North Wall Quay, International Financial Services Centre, Dublin 1, D01 R8H7
Index
Car Hire Excess Insurance
Section 1 – Definitions / Meanings of words used in your policy.............5
Section 2 – Excess Reimbursement........................................................7
Section 3 – Supplemental Liability (SLI) /
Collision Damage Waiver (CDW)........................................8
Section 4 – Personal Accident.............................................................13
Section 5 – General Exclusions Applicable to this Policy .......................16
Section 6 – Policy Conditions..............................................................17
Section 7 – How we use personal information.....................................18
Section 8 – Cooling Off Period and Cancellation ................................21
Section 9 – What to do in the Event of a Claim ...................................21
Section 10 – Complaints Procedure/Caring for Our Customers ...........22Car Hire Excess it can be found at http:// www.aig.lu/.
Insurance Insurance Compensation Fund
You may be entitled to compensation
Insurance providers from the scheme in the unlikely event
Laya healthcare Car Hire Excess that AIG Europe S.A. cannot meet its
insurance is underwritten by AIG obligations. The maximum amount
Europe S.A.. AIG Europe S.A., an that could be available in respect of
insurance undertaking with R.C.S. any sum due to a policyholder is 65%
Luxembourg number B 218806. AIG of the sum due or EUR 825,000,
Europe S.A. has its head office at 35 whichever is the lesser.
D Avenue J.F. Kennedy, L-1855, Further information on the Insurance
Luxembourg, http://www.aig.lu/. AIG Compensation Fund is available on
Europe S.A. is authorised by the the Central Bank of Ireland’s website
Luxembourg Ministère des Finances though the following link:
and supervised by the Commissariat https://www.centralbank.ie/regulation/
aux Assurances 7, boulevard Joseph industry- market-sectors/insurance-
II, L-1840 Luxembourg, GD de reinsurance/solvency-ii/
Luxembourg, Tel.: (+352) 22 69 11 - insurance-compensation-fund
1, caa@caa.lu, http://www.caa.lu/.
Your Car Hire Excess Insurance
AIG Europe S.A. Ireland branch is an Welcome to your Laya healthcare Car
insurance company and has its Hire Excess Insurance policy and thank
registered branch office at 30 North you for arranging your insurance with
Wall Quay, International Financial us. It is a contract of insurance
Services Centre, Dublin 1, D01 R8H7 between You, the policyholder, and
and branch registration number Us, AIG Europe S.A. and is made up
908876 and is regulated for conduct of this policy document and your
of business in Ireland by the Central schedule In return for the payment of
Bank of Ireland. Contact details of the your premium, we will, subject to the
Central Bank of Ireland are P.O. Box terms, conditions and limitations of
this policy:
n indemnify you for the costs to
559, North Wall Quay, Dublin 1, D01
F7X3. Telephone: 1890 77 77 77.
Fax: 01 6716561. E-mail: reimburse you under Section 2
(Excess Reimbursement)
n Indemnity you, if operative, under
enquiries@centralbank.ie. Web:
http://www. centralbank.ie.
Section 3 (Supplemental Liability)
If a solvency and financial condition n pay the benefit to you under
report of AIG Europe S.A. is available, Section 4 (Personal Accident)
Car Hire Excess Insurance 4Please read this policy document to schedule, and are shown in bold
make sure that the cover meets your print. Please also see Section 4,
needs and please check the details Personal Accident, for definitions that
outlined within your insurance are specific to that section
schedule and confirmation email to
make sure that the information shown Accidental damage – means the
is correct. sudden and unforeseen accidental
damage to the insured Rental car or
This policy reflects the demands and any third party property not otherwise
needs of a person who wishes to specifically excluded from this policy
purchase car hire excess insurance
Rental car – means any car rented
benefits.
under a contract on a daily or weekly
basis from such a rental Company or
AIG Europe S.A, Ireland branch does
Agency, which must be fully licensed
not provide advice or any personal
with the regulatory authority of that
recommendation about this product.
Country, State or Local Authority
Commission & Fees Car Rental Agreement - means the
When Laya healthcare sell you a contract signed by the lead named
policy, Laya healthcare receive driver (who must be the name on the
commission from the insurer which is Schedule as issued) that states the
a percentage of the total premium. excess to which the lead named driver
is responsible
You agree to abide by the Doctor – means a medical
conditions of the policy. practitioner who is currently registered
with the appropriate Medical Council
Section 1 – to practise medicine. This does not
include:
Definitions / n you; or
n your brother, brother-in-law,
Meanings of words daughter, daughter-in-law, father,
father-in-law, fiancé, fiancée,
used in your policy grandchild, grandparent, husband,
mother, mother-in-law, partner,
We use certain words in this policy sister, sister-in-law, son, son-in-law
which have a specific meaning. They or wife
have this specific meaning wherever
they appear in the policy and Endorsement – means any terms and
Car Hire Excess Insurance 5conditions additional to this policy and and forming part of this policy
specified on your schedule
War – means armed hostilities
Insured person(s) – means the lead between two or more countries,
contracting person named on this whether declared or not, or any
policy who must be the person named warlike activities, including use of
as the main driver in the Car Rental military force by any sovereign nation
Agreement and is eligible to operate to achieve economic, geographic,
and drive the Rental Car and who is nationalistic, political, racial, religious
aged between 21 and 85 years old or other ends.
Material fact(s) – means any fact, We, us, our – AIG Europe S.A.
information or change in
circumstances which could have a Geographical Limit of Cover
bearing on our acceptance of your (Europe) – Republic of Ireland,
cover or which may increase the Northern Ireland, United Kingdom
possibility of theft or accidental and member states of the European
damage covered by your policy of Union, Andorra, The Azores, Balearic
insurance Islands, Bulgaria, Canary Islands,
Channel Islands, Egypt, Gibraltar,
Period of insurance – means the Iceland, Liechtenstein, Madeira,
period specified on your schedule Moldova, Monaco, Morocco, Norway,
Romania, Russia (West of the Urals),
Personal Effects – items normally San Marino, Switzerland, Tunisia,
worn, used or carried by you in daily Turkey, Ukraine, not exceeding 31
life, but not money, credit cards or consecutive days for any one car
items held or used for business rental agreement.
purposes
Geographical Limit of Cover
Premium – means the amount (Worldwide) – All countries
referred to as such on your schedule. excluding; Afghanistan, The Balkans,
Belarus, Cuba, Congo, Iran, Iraq,
Schedule – means the schedule Ivory Coast, Lebanon, Liberia, North
issued to you and any endorsement Korea, Myanmar, Sudan, Syria,
attaching to it Zimbabwe or the Crimea Region, not
exceeding 60 consecutive days for any
You, Your – means the person(s) one car rental agreement.
named on the schedule attached to
Car Hire Excess Insurance 6Section 2 – Excess C. Baggage Cover
We shall indemnify the insured
Reimbursement person(s) against loss of or damage
to baggage and/or personal effects
What is covered as a result of theft or attempted theft
following visible and forcible entry into
A. Damage, Theft, and Loss of Use the rental car, provided that such
We shall indemnify the insured theft or attempted theft is proved and
person(s), as named on the Car that the baggage and/or personal
Rental Agreement, for the amount of effects are secured in the rental car
the excess for which an insured in either a locked boot or locked
person is liable under the Car Rental glove box
Agreement, subject to a maximum of
the amount of the excess or €4,000 We shall indemnify the insured
(or equivalent in local currency) person(s) for such loss or damage
whichever is the lower for any one during the period of insurance up to:
claim and subject to a maximum of • €500 in total for any one claim
the amount of the excess or €5,000 • €150 for any single item
(or equivalent in local currency)
whichever is the lower in any one The maximum payment for any single
period of insurance, in respect of item for which an original receipt,
damage (including damage to proof of purchase or insurance
windows and tyres, the undercarriage valuation (obtained prior to the loss) is
and the roof), fire or vandalism to, or not supplied will be €75, subject to a
theft or loss of use of, the rental car maximum aggregate amount of €250
during the period of insurance for all such items
B. Car Rental Key Cover GEOGRAPHICAL LIMIT OF COVER
We shall indemnify the insured Section 2 of this insurance (Excess
person(s), for costs incurred up to a Reimbursement) provides Worldwide
maximum of €600 (or equivalent in cover, not exceeding 60 consecutive
local currency), for each and every days for any one car rental
claim but subject to a maximum of agreement, or Europe cover, not
€2,500 in any one Period, for exceeding 31 consecutive days for any
replacing a lost or stolen rental car one car rental agreement, (as stated
key and replacement locks and in your schedule) but excludes the
locksmith charges countries listed at clause 25 in the
exclusions section below, for the
period of insurance
Car Hire Excess Insurance 7Section 3 – of use of the rental car issued for
business or pleasure, up to the lower
Supplemental of:
Liability (SLI) / n US$ 100,000 (or the equivalent in
local currency), or
Collision Damage the value of the rental car;
Waiver (CDW) We will also pay legal costs incurred
with our written consent in the defence
of any claim which may be the subject
Important: of indemnity under this Policy
The cover provided by the
Supplemental Liability section of this The indemnity provided by this Section
Policy shall apply only in excess of (i.e. 3A shall apply only in excess (i.e. over
over and above) the limits of and above) the limits of indemnity
indemnity specified under any other specified under any other insurance
insurance taken out by the taken out by the Policyholder
Policyholder and following payment of
the full limits under such other
B. Bodily Injury and Damage to
insurance. Please note that where the
Material Property
Policyholder has taken out liability
We shall indemnify the insured
insurance cover under the Car Rental
person(s) against all sums which they
Agreement, the Policyholder may
shall become legally liable to pay as
consider the amount of cover under
damages and claimants costs in
that agreement to be sufficient, in
respect of claims for bodily injury
which case the Supplemental
and damage to material property
Liability Coverage provided by this
arising out of an accident resulting
Policy may not be required.
from the use of a rental car during
the Period
What is covered
The indemnity provided by this Section
A. Loss Damage Waiver (or 3B shall apply only in excess of (i.e.
Collision Damage Waiver (CDW) over and above) the limits of
We will indemnify the insured indemnity specified under any other
person(s) for losses incurred during a insurance taken out by the
Covered Rental period, as a result of Policyholder and the maximum we will
damage, fire, vandalism, theft or loss pay in respect of all claims arising
Car Hire Excess Insurance 8from any one accident shall be the favour of the insured person(s) in
difference between such limit of respect of that injury or property
indemnity and US $1,000,000 damage by a court of law, we shall pay
to the insured person(s) the sum of
C. Un-Insured & Underinsured damages awarded
Motorist Compensation
The indemnity provided by this Section
Where an insured person(s) is injured
3D shall apply only in excess of (i.e.
by an uninsured or under-insured
over and above) the limits of
motorist, or by a motorist whose
indemnity specified under any other
insurance is repudiated by his/her
insurance taken out by the
insurance company, and the Insured
Policyholder and the maximum we will
Person(s) is awarded damages (not
pay under this Section 3D shall be the
including costs, which are not covered
difference between such limit of
under this policy) in respect of that
indemnity and the amount of damages
injury by a court of law, we shall pay to
(not including costs, which are not
the insured person(s) the uninsured
covered under this policy) awarded in
balance of the award. The indemnity
favour of the insured person(s) up to
provided by this Section 3C shall apply
the sum of US$100,000
only in excess of (i.e. over and above)
the limits of indemnity specified under
any other insurance taken out by the E. Lost or Stolen Rental Car Keys
Policyholder and the maximum we will We shall indemnify insured person(s)
pay under this Section 3C shall be for costs incurred, up to a maximum of
the the difference between such limit of €600 for each and every claim, subject
indemnity and the amount of damages to a maximum of €2,500 for all claims
(not including costs, which are not in any one period of insurance, for
covered under this policy) awarded in the costs of replacing a lost or stolen
favour of the insured person(s) rental car key, including replacement
against the motorist for which that locks and locksmith charges The
motorist is uninsured up to the sum of indemnity provided by this Section 3E
US$100,000 shall apply only in excess of (i.e. over
and above) the limits of indemnity
D. Hit and Run Motorist specified under any other insurance
Compensation taken out by the Policyholder
Where an insured person(s) is injured,
or his/her property is damaged by an GEOGRAPHICAL LIMIT OF COVER
unidentified or untraceable motorist, Section 3 of this insurance (SLI/CDW)
and an award of damages is made in provides cover in respect of events
Car Hire Excess Insurance 9taking place in the USA and/or n or deliberate or reckless
Canada only (or if specifically noted exposure to danger (except in
on your Schedule, in South & Central an attempt to save human life).
America) for the period of insurance, 5. Loss arising from, or in
not exceeding 60 consecutive days for connection with, any fraudulent,
any one car rental agreement. dishonest or criminal act
committed by any insured
What is not Covered person(s) or any person with
whom they are in collusion
– Sections 2 and 3 6. Loss arising from the operation of
the rental car in violation of the
We will not cover the following: terms of the Car Rental
1. Any insured person(s) where the Agreement.
appropriate or additional 7. Loss arising from, or in
premium has not been paid in full connection with, transporting
2. Insurance effected in contraband or illegal trade
circumstances where a claim 8. Loss arising from driving by
might reasonably be anticipated persons who are not named in the
3. Loss, damage, accidents, Car Rental Agreement
proceedings or any other events 9. Losses occurring whilst driving
that may otherwise give rise to a other than on a dedicated public
claim under this policy where highway
Claims Notification has not been 10. Driving by persons who do not
made within 31 days of the have a valid driving licence
occurrence of the loss, damage, 11. Losses where the rental car is
accident, insured person(s) not licensed for road use
becoming aware of proceedings, 12. Insured person(s) when driving
or other event any kind of vehicle while the
4. Loss arising from: alcohol level in their blood is
n deliberately self-inflicted injury higher than the legal limit of the
or illness, country where the incident occurs
n alcoholism or the use of 13. Losses where the rental car is
alcohol, the use of drugs other used in, or training for, racing
than in accordance with the competitions, trials, rallies or
manufacturer’s instruction or speed testing
treatment prescribed and 14. Fines, penalties, exemplary or
directed by a registered doctor, punitive damages or any other
n the use of drugs for the type or kind of judgment or award
treatment of drug addiction, which does not compensate the
Car Hire Excess Insurance 10party benefiting from the award or Canada, The Caribbean, South
constitute a judgment for any and Central America.
actual loss or damage sustained 25. In respect of any claim under
15. Loss or damage which, but for Section 2 (Excess Reimbursement),
the existence of this insurance, loss or damage arising from any
should be recoverable under any journey in, to or through the
other insurance following countries;
16. Any expenses assumed, waived or Afghanistan, Belarus, Cuba,
paid by the Rental Company or its Congo, Iran, Iraq, Ivory Coast,
insurers. Liberia, Lebanon, North Korea,
17. Loss arising in respect of vehicles Myanmar, Sudan, Syria, The
which are not rental cars Balkans, Zimbabwe or the
18. Expenses reimbursed by any Crimea Region
insured person's employers' 26. Losses arising outside the period
insurer of insurance
19. Loss arising from wear and tear, 27. Anyone under 21 years or over
gradual deterioration, insect or 84 years of age
vermin, inherent vice or inherent 28. Any claim under Section 2A
damage (Damage, Theft and Loss of Use)
20. Loss arising on the rental of any or Section 3A (Loss Damage
vehicle other than a private car Waiver) arising from theft,
with less than 9 seats attempted theft or vandalism which
21. Loss arising on the rental of is not reported to an appropriate
"expensive or exotic" vehicles not police authority within 24 hours of
considered to be a conventional theft, attempted theft or vandalism
and usual rental car, and or where an official police report
“antique” vehicles, which are over has not been obtained
20 years old or which have not 29. Any claim under Section 2C
been manufactured for 10 years (Baggage Cover) arising from
or more or any vehicle with a 1) theft or damage of banknotes,
retail purchase price in excess of currency notes and coins,
€100,000 photographic or video
22. Damage to the rental car’s equipment, camcorders, radios
contents or personal stereo equipment,
23. Replacement of locks when only computers, computer games or
the parts need to be changed associated equipment, mobile
24. The hire of a rental car by an telephones, telescopes or
individual whose main residence binoculars, furs, jewellery,
is located within the USA or watches, or articles made of or
Car Hire Excess Insurance 11containing gold, silver or other consequence of such bodily injury
precious metals 33. Bodily injury to any fellow
2) wear, tear or depreciation of employee of an Insured Person,
baggage and/or personal sustained while as a passenger in
effects the rental car and arising out of
3) claims arising from theft or and in the course of the fellow
attempted theft which is not employee’s employment
reported to an appropriate 34. Damage to material property
police authority within 24 hours transported by an Insured
of discovery or where an Person or in the care, custody or
official police report has not control of an insured person
been obtained 35. Bodily injury or damage to
4) loss or damage arising from material property arising out of
theft or attempted theft in respect the actual, alleged or threatened
of which evidence of forced discharge, dispersal, seepage,
entry has not been confirmed by migration, release or escape of
the Rental Company and/or pollutants
police, or where baggage 36. Loss or destruction of or damage
and/or personal effects were to any property whatsoever, or
not within a locked boot or any liability, loss or exposure
locked glove box whatsoever resulting or arising
30. Benefits payable under any there from, or any consequential
uninsured or underinsured loss directly or indirectly caused
motorist law, first party benefit by or contributed to by or arising
law or no-fault law, or law similar from (a) ionising radiation or
to the foregoing in any territory or contamination by radioactivity
jurisdiction from any nuclear fuel or any
31. Any obligation for which an insured waste or the combustion of
person may be held liable under nuclear fuel or (b) radioactive
any Workers Compensation Act, toxic explosive or other hazardous
disability benefits or unemployment properties or any explosive
law or any similar law nuclear assembly or nuclear
32. Bodily injury to any person component thereof
employed by an insured person 37. Loss or damage directly or
and arising out of and in the indirectly occasioned by,
course of such employment or the happening through, or in
spouse, child, parent, brother or consequence of war, invasion,
sister of such employee as a acts of foreign enemies, hostilities
Car Hire Excess Insurance 12(whether war be declared or not), events which occur or develop over
civil war, rebellion, revolution, time that cannot be attributable to a
insurrection, terrorism, military or single accident
usurped power or confiscation or
nationalisation or requisition or Hospital – means an institution which
destruction of or damage to the has accommodation for in-patients
rental car or to property by or and facilities for diagnosis, surgery
under the order of any government and treatment. It does not include a
or public or local authority long-term nursing home, a
rehabilitation centre, an old people’s
or convalescence home or an
SECTION 4 - extended-care facility.
Hospitalisation – means admission
Personal Accident to a hospital as an in-patient and for
at least 24 hours in a row
Definitions / Meanings of words
used in this section Loss – means permanent, total and
Accident – means a sudden, irrecoverable loss of use, or the
unexpected, and specific event, permanent and total loss by physical
external to the body which occurs at severance (separation), of a limb
an identifiable place and time during being a complete:
the period of insurance which results n foot or leg; or
in bodily injury n hand or arm
Bodily injury – means identifiable Loss of sight – means the physical
physical injury to your body which is loss of one or both eyes or the loss of
caused directly and solely by an a substantial part of the sight of one
accident, is not intentionally self or both eyes. A substantial part means
inflicted and does not result from that the degree of sight remaining
sickness or disease after the bodily injury is 3/60 or less
on the Snellen scale after correction
Benefit – means the amounts payable with spectacles or contact lenses. (At
under items 1-9 in the Table of 3/60 on the Snellen scale a person
benefits shown in this section of the can see at 3 feet something that a
policy person who has not suffered loss of
Coma – means your continuous sight should be able to see at 60 feet)
unconscious state
Operative time – means whilst
Gradually operating cause – means driving, entering or alighting from an
a cause that is the result of a series of
Car Hire Excess Insurance 13insured rental car during the period
Benefit Sum Insured
of insurance and within the
geographical limits of cover limits Item 1 - Death €20,000
Paraplegia – means the permanent Item 2 - Loss of one limb or
and total paralysis of lower limbs, €10,000
loss of sight in one eye
bladder and rectum
Item 3 - Loss of one or more
Permanent total disablement – limbs or loss of one limb and €20,000
means disability, other than by loss of loss of sight in one eye
limb or loss of sight, which totally
and permanently prevents you from
doing any paid work whatsoever for Item 4 - Loss of sight in both
€20,000
eyes
the remainder of your life
Quadriplegia – means the Item 5 – Permanent total
€20,000
permanent and total paralysis of both disablement
upper limbs and both lower limbs
Item 6 - Quadriplegia €40,000
What is Covered – Item 7 - Paraplegia €25,000
Section 4 Item 8 - Hospitalisation for
If you suffer bodily injury during the each week payable for maxi-
operative time which, within two mum of 10 weeks in total €100
years solely and independently of any within 24 months from the date
other cause, results in death, loss of of bodily injury
limb, loss of sight, permanent total
disablement, quadriplegia,
Item 9 - Coma benefit per
paraplegia, hospitalisation or
week payable for up to 26
coma, we will pay to you, or your
continuous weeks in total €100
legal representative if you die, the within 24 months from the date
appropriate item shown in the Table of of bodily injury
Benefits below
Car Hire Excess Insurance 14What is Not prescribed by a doctor
8. You driving a rental car when
Covered – Section 4 your are not in possession of a
valid licence to drive such a
vehicle as required by law
We will not pay any claim directly or 9. Suicide or attempted suicide or
indirectly resulting from, contributed by intentional self inflicted injuries
or arising from; 10. Any claim for bodily injury
which is directly or indirectly
1. You being under 21 years of age resulting from any gradually
at the date of the accident operating cause
2. War, civil war, invasion, 11. Whilst using the insured rental
insurrection, revolution, use of car for racing or competition or
military power, or usurpation of when using the insured rental
government by military power car for hire, reward, courier
3. Permanent total disablement services, or the carriage of
benefit if you are over 65 years paying passengers
of age
4. Any claim for bodily injury which
is directly or indirectly resulting Provisions relating
from anxiety, stress disorder, post
traumatic stress disorder, to Section 4
psychological or psychiatric illness
or condition or other mental or 1. If death occurs within thirteen
nervous disorder weeks of bodily injury, the
5. You being in charge of a rental benefit under item 1 will be paid
car having a blood/urine and not the benefits under items
alcohol level above the legal 2, 3, 4, 5, 6 or 7 as long as death
limit stated in the Road Traffic was a result of bodily injury
Acts of that particular country 2. When more than one form of
6. Back injuries unless supported by disability results in bodily injury
a diagnosis using appropriate from the same accident the
medical imaging techniques maximum amount payable will be
(such as X-rays, CT or MRI scans) €40,000
7. You being in charge of a rental 3. Upon the payment of a claim
car having taken drugs other under items 1- 7 cover will stop in
than in accordance with the respect of the person for whom
manufacturers instructions or as such payment is made
Car Hire Excess Insurance 154. A daily rate of 1/7th of the weekly or satellite systems failure
rate will be payable in respect of 10. Losses due to property that has
periods of hospitalisation of less been confiscated, destroyed or
than 7 days. seized by any government or
public entity
Section 5 - General 11. Losses due to fire, smoke,
lightning, wind, water, flood,
Exclusions earthquake, volcanic eruption,
tidal wave, landslide, hail,
Applicable to this vermin, insects or act of God
12. Ionising radiation or
Policy contamination by radioactivity
from any nuclear fuel, or from
any nuclear waste from burning
We will not cover the following: of nuclear fuel, or the
radioactive, toxic, explosive or
1. Any car not specified on your other hazardous properties of
schedule as the property insured any explosive nuclear assembly
2. Any amount in excess of the sum or nuclear component thereof or
insured, or value, whichever is Pressure waves from aircraft or
less; other aerial devices travelling at
3. Any car where evidence of supersonic speeds
ownership has not been provided 13. Claims arising out of the misuse
4. Any losses arising out of driving of a solvent or solvents by
as your occupation or profession inhalation
5. Losses that result from the direct 14. Notwithstanding any provision to
actions of member of your family, the contrary within the insurance
or actions that a member of your or any endorsement thereto we
family knew about or planned shall not be liable in respect of
6. Depreciation or consequential liability loss damage cost or
loss of any kind expense of whatsoever nature
7. Losses caused by illegal acts directly or indirectly caused by,
8. Losses that you have intentionally resulting from or in connection
caused with any of the following
9. Losses due to mechanical failure, regardless of any other cause or
electrical failure, software failure, event contributing concurrently or
or data failure including, but not in any other sequence to the loss
limited to any electrical power (i) war invasion, acts of foreign
interruption, surge, brownout or enemies, hostilities, or warlike
blackout, or telecommunications operations (whether war be
Car Hire Excess Insurance 16declared or not), civil war, cover, payment of such claim
mutiny, civil commotion or provision of such benefit
assuming the proportions of or would expose the Insurer, its
amounting to a popular parent company or its ultimate
uprising, military rising, controlling entity to any
insurrection, rebellion, sanction, prohibition or
revolution, military or usurped restriction under United
power, martial law, confiscation Nations resolutions or the trade
or nationalisation or requisition or economic sanctions, laws or
by or under the order of any regulations of the European
Government or public or local Union or the United States of
authority America.
(ii) any act of terrorism – means
an act, including but not limited
to the use of force or violence
Section 6 - Policy
and/or the threat thereof, of
any person or group(s) of
Conditions
persons, whether acting alone
or on behalf of or in connection 1. You must be a resident of the
with any organisation(s) or Republic of Ireland and at least
government(s), committed for 21 years of age
political, religious, ideological 2. Unless we have agreed otherwise
or other purposes including the with you, Irish Law and the
intention to influence any decisions of the Irish Courts will
government and/or to put the govern this insurance
public, or in any section of the 3. This insurance may only be
public, in fear altered, varied or its conditions
15. Any car rental agreement relaxed, or premiums changed by
exceeding 31 consecutive days one of our authorised officials,
for Europe cover or any car giving you 30 days notice in
rental agreement exceeding writing to your last known address
60 consecutive days for or via your insurance intermediary
Worldwide cover. 4. This insurance is non-transferable
16. The Insurer shall not be 5. Cover excludes costs or payments
deemed to provide cover and recoverable from any party, under
the Insurer shall not be liable the terms of any other insurance,
to pay any claim or provide including but not limited to your
any benefit hereunder to the household or motor insurance,
extent that the provision of such unless agreed by us, other than
Car Hire Excess Insurance 17section 4 (Personal Accident) necessary or reasonably required
6. Any dispute regarding the terms of for the purpose of exercising this
this contract including any right. You will take no action or
question regarding its existence, make any agreements that may
validity or termination will be weaken or remove our rights
referred to and resolved by under this clause without our
arbitration in the Republic of prior written permission. We will
Ireland in accordance with the pay any costs or expenses
Arbitration Laws of the Republic involved in exercising our right of
of Ireland during the term of this subrogation
contract 11. The observance by you of the
7. The benefits detailed in this terms, conditions and
policy in respect of the rental car endorsements of this policy as
are only payable to you and any far as they relate to anything to
claim may only be presented by be done or complied with by you
you will be a condition precedent to
8. If you or anyone acting on your any liability by us
behalf makes a claim under this
policy and know the claim is false
or fraudulent in any way, the
Section 7 – How we
cover is void, the claim will not be
paid and all monies received by
use personal
you or your representatives, must
be immediately repaid to us
information
9. The cover under this policy is AIG Europe S.A. is committed to
based on information you have protecting the privacy of customers,
given us and confirmed on your claimants and other business contacts.
schedule. You must tell us as
soon as possible if any of this “Personal Information” identifies and
information changes, as your relates to you or other individuals (e.g.
cover may be affected and may your partner or other members of your
be invalidated in the event of a family). If you provide Personal
claim Information about another individual,
10. In the event that a third party is you must (unless we agree otherwise)
deemed liable for part or all of inform the individual about the content
any claim, we may exercise our of this notice and our Privacy Policy and
right of subrogation. You shall, at obtain their permission (where possible)
our request and our expense, for sharing of their Personal Information
agree to and permit us to do with us.
such acts and things as may be
Car Hire Excess Insurance 18The types of Personal Information and security purposes
we may collect and why – • Market research and analysis
Depending on our relationship with
you, Personal Information collected Sharing of Personal Information -
may include: contact information, For the above purposes Personal
financial information and account Information may be shared with our
details, credit reference and scoring group companies and third parties
information, sensitive information (such as brokers and other insurance
about health or medical conditions distribution parties, insurers and
(collected with your consent where reinsurers, credit reference agencies,
required by applicable law) as well as healthcare professionals and other
other Personal Information provided service providers). Personal
by you or that we obtain in Information will be shared with other
connection with our relationship with third parties (including government
you. Personal Information may be authorities) if required by laws or
used for the following purposes: regulations. Personal Information
(including details of injuries) may be
• Insurance administration, e.g. recorded on claims registers shared
communications, claims with other insurers. We are required to
processing and payment register all third party claims for
• Make assessments and decisions compensation relating to bodily
about the provision and terms of injury to workers’ compensation
insurance and settlement of boards. We may search these registers
claims to prevent, detect and investigate
• Assistance and advice on medical fraud or to validate your claims
and travel matters history or that of any other person or
• Management of our business property likely to be involved in the
operations and IT infrastructure policy or claim. Personal Information
• Prevention, detection and may be shared with prospective
investigation of crime, e.g. fraud purchasers and purchasers, and
and money laundering transferred upon a sale of our
• Establishment and defence of company or transfer of business
legal rights assets.
• Legal and regulatory compliance
(including compliance with laws International transfer - Due to the
and regulations outside your global nature of our business,
country of residence) Personal Information may be
• Monitoring and recording of transferred to parties located in other
telephone calls for quality, training countries (including the United States,
Car Hire Excess Insurance 19China, Mexico Malaysia, Philippines, Your rights – You have a number of
Bermuda and other countries which rights under data protection law in
may have a data protection regime connection with our use of Personal
which is different to that in your Information. These rights may only
country of residence). When making apply in certain circumstances and are
these transfers, we will take steps to subject to certain exemptions. These
ensure that your Personal Information rights may include a right to access
is adequately protected and Personal Information, a right to correct
transferred in accordance with the inaccurate data, a right to erase data
requirements of data protection law. or suspend our use of data. These
Further information about rights may also include a right to
international transfers is set out in our transfer your data to another
Privacy Policy (see below). organisation, a right to object to our
use of your Personal Information, a
Security of Personal Information – right to request that certain automated
Appropriate technical and physical decisions we make have human
security measures are used to keep involvement, a right to withdraw
your Personal Information safe and consent and a right to complain to the
secure. When we provide Personal data protection regulator. Further
Information to a third party (including information about your rights and
our service providers) or engage a how you may exercise them is set out
third party to collect Personal in full in our Privacy Policy (see
Information on our behalf, the third below).
party will be selected carefully and
required to use appropriate security Privacy Policy - More details about
measures. your rights and how we collect, use
and disclose your Personal
Information can be found in our full
Privacy Policy at:
https://www.aig.ie/privacy-policy or
you may request a copy by writing to:
Data Protection Officer, AIG Europe
S.A., 30 North Wall Quay,
International Financial Service Centre,
Dublin 1 or by email at:
dataprotectionofficer.ie@aig.com.
Car Hire Excess Insurance 20Section 8 – Cooling is paid by direct debit, you must tell
your chosen bank, building society or
Off Period and financial institution to stop making
payments
Cancellation If we cancel this policy we will give
you 7 days notice in writing and we
Cooling Off period will return to you the unused portion
If this cover does not meet your of the premium
needs, you may return this policy and
schedule to us within 14 days of the This insurance will automatically
start date of cover shown in the cancel:
original schedule or the day, on n if the premium is not paid.
which you receive this policy and n if you submit a claim knowing
schedule, whichever is the later it to be false, fraudulent or a
misrepresentation
If you cancel this policy within the
cooling-off period and there are no
claims, you will receive a full refund in
premium including any
Section 9 - What to
administration charge. However, if
there has been a claim, we will not
do in the Event of a
refund any part of the premium or Claim
any administration fee
Should you wish to claim under this
Cancellation policy you should call AIG Claims
You can cancel this policy at any time Department as soon as possible and
after the cooling-off period by giving no later than 31 days after the
us notice in writing to AIG Europe incurred loss. You must give us any
S.A., 30 North Wall Quay, information or help that we ask for.
International Financial Services You must not settle, reject, negotiate
Centre, Dublin 1 or by e-mail to or agree to pay any claim without our
layahealthcare.carhireexcessinsurance written permission. Full details of how
@aig.com. If you cancel this policy to claim are set out below
after the cooling-off period, we will
not refund any premium for the How to Make a Claim
remainder of the policy term. If this To make a claim, You must contact
policy is cancelled and the premium us.
Car Hire Excess Insurance 21Phone: +353 1 2081400 damages claimed
Fax Number: + 353 1 2837773 8. A copy of the driving licence of
Email: claims.ie@aig.com the person driving the rented
vehicle involved in the accident
In the event of any accidents, (the driver)
proceedings or any other events that 9. The name and address of your
may give rise to a claim, please bank together with the sort code
contact us within 31 days of the and account details. This will
incurred loss to notify us and request facilitate reimbursement as we
a claim form to be sent to you by prefer to make the payment
email, fax or post. You can also use directly to your bank
the email link on the Claims Page of 10. Medical certification and/or a
our website shown above to notify us death certificate in respect of any
Please fully complete, sign and date claims under Section 4, Personal
the claim form and return it with all Accident
supporting documentation outlined
below by email, fax or post: You should read the above
carefully as it is necessary to
1. A copy of your policy from us comply with the conditions of this
2. A copy of your Car Rental policy. Failure to abide by the
Agreement. conditions of this policy, may
3. A copy of your Charge Receipt (if invalidate your claim.
separate from the Rental
Agreement)
4. If the incident by law requires the
Section 10 -
attendance of the Police, we will
require a copy of the Police
Complaints
Report
5. Renter's copy of the rental
Procedure/Caring
company's accident damage
report
for Our Customers
6. Invoices / receipts / other
documents confirming the amount AIG Europe S.A. wants to give you the
you have paid in respect of best possible service. If you feel you
Accident / Damage / Loss etc. have cause for complaint, you should
for which the Vehicle Rental contact:
Company holds you responsible
7. A copy of your credit card The Customer Complaints Officer
statement showing payment of the AIG Europe S.A.,
Car Hire Excess Insurance 2230 North Wall Quay, Your right to take legal action is not
IFSC, affected by following any of the above
Dublin 1, procedures.
D01 R8H7.
JURISDICTION AND APPLICABLE
Phone: +353 1 208 1400 LAW
E-mail: customercomplaints.ie@aig.com All claims by the insured person(s)
Website: www.aig.ie/complaints under this Policy shall be governed by
the laws of the Republic of Ireland
At any stage you may contact any of whose courts alone shall have
the following: jurisdiction in any dispute arising
under this insurance.
Insurance Ireland
Insurance Centre,
5 Harbourmaster Place,
IFSC,
Dublin 1,
D01 E7E8.
Phone: +353 1 676 1820
Fax: +353 1 676 1943
E-mail: feedback@insuranceireland.eu
Website: http://www.insuranceireland.eu
Financial Services and Pensions
Ombudsman
3rd Floor,
Lincoln House,
Lincoln Place,
Dublin 2,
D02 VH29.
Phone: +353 1 567 7000
E-mail: info@fspo.ie
Website: www.fspo.ie
Car Hire Excess Insurance 23AIG Europe S.A., Ireland Branch is an insurance company
We don't provide advice or any personal recommendation
about this product
IE_LAYA_CHE_PW_EN_2019-04
Laya healthcare Car Hire Excess insurance is underwritten by AIG Europe S.A..
AIG Europe S.A.
30 North Wall Quay, International Financial Services Centre, Dublin 1,
D01 R8H7.
AIG Europe S.A. is authorised by the Luxembourg Ministère des Finances and
supervised by the Commissariat aux Assurances, and is regulated by the Central
Bank of Ireland for conduct of business rules.You can also read
