csma motor legal expenses policy
TRANSCRIPT
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Motor legal expenses
T h is m o to r lega l e xp e nse s in su ra n ce is in clu de d w ith in yo u r C SM A C lu b m e m be rsh ip fo r
in cide n ts w hic h h a p p e n w h ile yo u re a m e m b e r o f C S M A C lu b . It cov er s yo u a n d yo u r
sp o use /p artn er w ho liv es w ith yo u, fo r a n y m oto r ve h icle th a t yo u o r yo ur sp o u se /p artner
ar e insure d to d riv e an d w il l co m pl e m en t a ny m o to r in su ra n ce policy.
This sec tio n of yo u r in su ra n ce is m a na g ed in d e pe n de n tly o n o u r b e ha lf b y A rc L e ga l
Assistan c e A rc ).
M o to r ac cid e nt s ar e al w ay s st re ssfu l, p a rt icular ly if y o u o r a p a ssen ge r h a s b ee n injured .
T h e la s t t h in g yo u n e ed is a lo n g a n d e xp e n sive le g a l d isp u te to w o rr y a b o u t.
T his is w h er e m o to r le ga l e xp en se s in su ra nc e c an h elp . I f y o u r e i nv o lv e d in a roa d traffic
co lli s ion th a t is n o t yo u r fa u lt, yo u h av e a le g a l rig h t to clai m b ac k yo u r unin sur e d losses
fro m th e p ers on w h o w a s a t fa u lt.
U n in s u re d l o ss e s i n cl u de t h e f o ll o w in g :
Co m pe ns ation fo r inj u ry or de at h.
Yo ur p olic y ex c es s .
R eas on a ble h ire c ha rges fo r a c ourt es y ve hicle
w hile y ou rs is be ing repa ired .
Co m pen s ation for y ou n ot be ing a ble to us e
yo ur ve hic le .
Ac c iden t re p air c o sts.
C o m p e n s a tio n for d am ag e to y o ur c loth es,
l uggage or p erso n al belo n gings .
How to claim
T o c la im u nd er yo ur m oto r leg al exp e ns es
in s urance , p lea se c all
0845 640 5286
the line
is a va il able 24 h our s a da y , 36 5 da ys a ye a r. F or
T ex tD irec t, first d ia l 18 00 1
Yo u m us t do this bef ore ta kin g a ny ac tion you rse lf
Pl eas e qu ote y ou r C SM A C lu b m e m b e rs h ip
n u m b e r.
L eg a l a d vi c e s e rv i ce
Y ou r m o to r legal e xp en s es ins ura n ce also
entitles y ou to use our free leg al adv ic e teleph on e
h elp lin e s er v ic e . T h is s ervi c e is av ai la ble a ny tim e
of th e d ay o r night to g iv e y ou fre e leg a l a d vic e o n
an y private l eg a l m a tt er, s im p ly c al l
0845640 5286.
F o r T e xtDirec t, firs t di a l 180 01
C a lls m a y be re co rde d fo r tra in in g a nd m onitoring
pu rp ose s .
Definitions
T h e fo llo w in g wo rd s o r p hrase s ha v e th e sa m e
m e a nin g w h erev er the y app ea r in th is le afle t.
A r c
Ar c Le ga l A s s is t ance
I n c i d e n t
A ro ad traff ic coll is io n or a n inc iden t res ultin g in
a pr os ec ut io n o r s um m o ns inv o lv ing the ins ured
ve h ic le.
In s u re d p e rs o n
yo u;
an y ot h er pe rs on al lo w ed by yo u w h o is ins ur ed
to d riv e th e insu red v eh ic le ;
an y p as s enge r tr av elling in or on the i ns ured
ve hic le.
I n su r e d v e h ic l e
A ny m o to r ve hi c le w hi c h y ou ow n or for w hi c h
y ou are leg a lly res pons i ble inc lud ing an y c arava n
or tra iler w hi le th ey are a ttach ed to the i ns ure d
ve h ic le for t ow i ng.
L e g al e x p en s e s
Re a so nable le ga l fee s, c os ts and ex pen s es c harg ed
by y o ur leg al rep re se ntative, w hic h w ill b e as s es s ed
on the s ta nd ard ba s is or in ac co rdance w ith
fi xe d c os ts s et out in Th e C iv il P roc edur e Ru le s if
ap plicable.
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P r o v id e d t h at :
the in c iden t occ urs wi th in the p eriod of
in s ur anc e;
th e inc ident oc c urs w ith in the te rri to ria l lim its
a nd a ny le ga l p ro ce edi ngs w ill be carri ed out
wi th in th e te rri tori al lim its by a co urt or ot her
orga ni sa ti on w hi ch w e agree to;
in th e c ase of un in su red los s rec ov ery an d
p ers on al in jur y the in su re d p ers on s c laim has
and c ontinu es to have a re ason able ch ance o f
suc c es s;
the cos t of le g al e xp enses to pursu e the i ns ured
pers ons cla im is p ro portional to the expe cted
benefit;
th e in sur ed pe rs on has ins uran ce to d rive the
insu red ve hicle;
anyo ne m ak in g a claim under thi s ins uranc e
ha s y our agreement to claim ;
in the ca se of a d efence of a pr os ec ution th e
de fence or ple a in m itig ation is lik e ly to affect
th e outcom e; and
th e in su re d p erson com plies w ith the term s
and c ondi tion s of t his in surance .
What is not covered
F or th e pu rpose of the se ex cep tio ns an y
refere nc e to y o u o r your sh all be dee m ed to
inclu de a ny insure d p ers on .
W e w o n t p ay a n y l e g al ex pe n se s i f :
A rc ha vent a gre ed , in a dv an ce , t he pu rp os e
and am ou nt of any le gal e xpe nse s, o r they
re lat e to a period bef ore A rc ha ve a cc ep ted
y ou r c laim ;
in the cas e o f un insu re d los s rec ove ry and
pe rs onal in ju ry , y our claim does nt ha ve and
co ntinu e to hav e a reas onable c hance of
s uc c es s ;
th e c ost o f le ga l e xpens es to p ur s ue y our claim
is not prop ortion al to th e e xp ec te d benefit;
the in c iden t hap pened be fo re this insurance
started;
yo u c la im m or e th an 180 da y s afte r th e da te
o f th e e ve nt, u nle ss yo ur de lay in notifyin g
you r claim has no t affecte d th e lik ely co sts or
out c om e;
yo ur c laim is fraudulent , fa lse or ex agg erat ed or
y ou d o a nything that ha rm s ei ther the c hance s
o f y our o r our suc ce ss in pr oc eedi ngs for a civil
claim o r y our defence of a pros ecution;
the oth er s ide is unlik ely to be ab le to pa y
y our c lai m ;
yo u ac t ag ain s t A rc s adv ic e or th e adv ice of
yo ur lega l repres e nt ative;
the legal rep res en ta ti ve ref u se s to ac t
for you ;
yo u un reas onab ly w ithdraw from leg a l
pr oc eedi ngs despit e yo ur c laim h aving a
reas onabl e chan ce of su c ce ss a nd wh ere s uch
a withdra w al is lik ely to aff ec t th e co s t of y our
c lai m;
y our claim is s ettled or di sc ontinu ed w ithout
A rc ag reei ng to th is bef orehand.
A l s o c e r t a i n t y pe s o f c l ai m a r e n o t c ov er ed
u n d er t hi s i n s u r a n c e .
W e w o n t p ay f o r:
an ap plica tion for a jud ge to rev iew the lega lity
of a d ec is ion m ad e or ac tion ta k en by a pu blic
body ;
m ore than ou r sha re of a c ivil c lai m or for
defenc e of pros ec ut ion if there is any othe r
insura nc e co v erin g the sa m e ev ent, ev en if th e
ot her in s ur er refu se s the claim ;
claims un der th is ins ur anc e direc tly or ind ire c tly
re lat ing to yo ur d eliberate c rim inal ac t o r
om ission or to pr ose cut ion s wh ich alleg e
di s honest y or in te nti onal v iolence ;
c laim s in res pect of the ins ured v ehi c le th at
yo ur m o to r in surer repu diates or refu s es to
co ve r;
c laim s ari s ing from de fec tiv e repair s,
m ec han ica l br eakd ow n or ge neral
m aint enanc e of th e ins ured v ehic le;
fin es , co s ts or expens es wh ic h a crim inal c ourt
or ders yo u to pay.
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General conditions
Fo r th e purpos e of thes e c o nditions a ny referenc e
to yo u or yo ur . sh al l be d eem ed to inc lu de a ny
ins ur e d p erso n.
Y o u m us t do the fo llow in g:
pr ov id e at y o ur ow n ex p ens e inf orm at ion
releva nt to yo ur c laim su c h as rep or ts ,
photograph s, plan s or ot her s up p orting
doc u m e n ts to he lp A rc and /o r y o ur le ga l
re pr es en tati ve ass ess w h eth er :
- yo u r c laim is c o v e re d
- yo u r c laim ha s an d co ntinu es to ha ve a
re aso n abl e cha n ce of su c c es s ;
- th e c o st of leg al ex pe nse s to pu rsue yo ur
cl aim is pr opo rt io na l an d co n tinu e to be
pr opo rtiona l to the e xp ect e d ou tc om e.
c ont ac t ou r le ga l h elpline be fore y ou tak e any
ac tion th at m ay re s ult in a claim an d before yo u
ru n up any leg al ex pe nse s ;
ta k e all reas onab le s te ps to s ettle you r c laim
b y n eg otiat ion a nd w ork w ith A rc and yo ur
le g al re pr es e nta tiv e to ac hiev e a s a ti sfa ct o ry
out c om e to y o ur claim ;
follo w the a dv ice th at A rc a nd /or yo u r le ga l
rep res ent ativ e give y ou ;
k ee p th e c os t of yo ur c lai m as lo w as po ss ib le;
k eep A rc an d yo u r leg al repr e se nt at ive inform e d
abo ut th e pr o gres s o f yo ur c ivi l c lai m inc ludi ng
an y offer s to se ttle) or de fen ce o f p ro sec ut ion ;
try to re c o v e r yo ur leg al ex p en se s fr om th e
oth er sid e , in clud in g a llo w in g A rc to bring
p roc eedi n gs in yo ur na m e;
al low A rc to o bta in a ny in fo rm ati on , do c um e nt
or file fro m y o ur leg al re pres ent ati ve in cludi ng
an opin ion o n yo ur c ha nc es of s u c c es s an d
the prop ort ion ate ben efit to yo u of m ak ing
you r civ il c la im o r o f ac ting in d e fe n ce of you r
prosec uti on.
A pp oin tin g a le ga l re pre se nta tive
W e ve c ho se n a pan el of leg a l firm s to prov id e
lega l se rvice s to ou r c us to m ers. Th ere is no th ing
in o ur relations hip w ith the se firm s w hich affec ts
th e ir ab ility to ac t in yo ur bes t inte res ts.
If A rc ac c ep ts y our cl ai m , th e y ll a pp oin t one o f
our pane l of le ga l represent at iv es on yo ur behal f
Yo u
h av e
th e ri g ht to cho os e yo ur ow n leg al
repr ese ntati ve to repres ent yo u if i ts n ec es s ary to
tak e yo ur c laim to co ur t or if a co nflict of interes t
ri s e s
W h ere y ou c ho os e to us e y our ow n leg al
representative :
a ) Yo u m us t n ot agr ee to a ny leg a l ex pen se s
w ith out A rc s pr ior wr itten p erm iss ion .
b ) Y ou r le ga l r ep re sent at iv e w ill b e a pp oin te d to
ac t for y ou in lin e w ith A rc s s ta n dard te rm s of
a pp o int m e nt yo u c a n a sk u s for a co py).
c l W e w o n t pay for:
leg a l ex pe ns es that are u nreas o nab le;
lega l exp e ns es inc urr ed b y yo ur lega l
re pr es ent ati ve in av oida ble co rr es p ond en ce or
w hi c h ar e rec o verab le from a c ourt, tribunal or
oth er p ar ty;
any s h ortf all in co s ts reco v er ed from an ot her
pa rt y w here the c laim ha s bee n su cc e ss fu l an d
co sts h a v e b e e n rec ov e re d.
W e c an do the follow in g:
p ay a n am oun t to s ettle yo ur c laim or to pu rs u e
a n ac tio n in the S m al l C lai m s C ou rt;
re fuse to pa y an y fu rth er lega l co s ts a nd
e xp ens e s if yo u do nt acc ept an y offe r in a
civ il cla im , w hich is reas o nabl e. In as s es sing
w het he r a n offer is reas o na ble , the lik elih oo d
o f ac h ie ving a h ig her aw ard and w het her
the lik e ly co st of c ontinu in g th e c la im is
pr op ortion al w ill be c on s ide red ;
gi v e yo ur le ga l rep res entat ive a nd/o r A rc al l
in form ation w e h a v e ab out y ou or y our c lai m
in c lud in g an y m e dica l info rm at ion;
refus e to p ay furth er leg al e xp ense s if yo u r c laim
d o es n t c on ti nu e to h a ve a re as onab le ch ance
of s ucc ess or the co st of lega l ex pen se s is no
lo nge r p rop o rti o na l to th e ex p ec te d be nefi t.
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Th ird pa rty co s ts s ha ll b e c ov ered if a w a rd ed
agains t yo u a nd p aid on the s tan da rd b as is o f
as s e ss m en t.
T he m os t we ll p a y fo r a ll le ga l e xp en se s w ill b e
equ iva len t to o ur sta nd ard sc a le of ch arg es a s
a pplicable to ou r p an el o f leg al repres en tatives
a nd av ai la ble on req ues t fro m A rc . Yo u w ill be
re s po nsi ble for any co sts in ex c es s of th is s ca le .
A nd for a ny claim o r c la im s aris ing from one
in c id ent the m os t w e ll p ay w ill b e 10 0,0 00 . N o
ex ce s s ap plie s to le gal ex pe ns es claim s.
L e g a l r e p r e s en t a t iv e
O ur pa ne l solicitors , ap pointe d b y A rc o r the ir
ag ents to ac t o n the ins ure d p ers on s b ehal f, o r
an y other s uit ab ly qual ifi ed pers on a ppo inted to
re pres e nt th e in su re d p ers o n u nd er the term s and
c ond ition s of th is po licy .
M e m b e r
Th e in di vidu al fo r wh om an an nu al CS M A C lu b
m embers hip fe e has b een p aid .
P er io d o f i n su r an c e
Th is an nua l po licy is fr om th e start d ate of y ou r
C SM A C lu b m em ber sh ip.
P r o p o r t i o n a l
In d et erm in ing w het her o r no t leg al e xp e nse s a re
in pr o por tio n to the po te nt ial b enef it o f pu rsu ing
th e ins u red pers on s c la im , the fo llow in g w ill be
t ak en in to ac c ount :
th e am ou nt o f m oney a t stak e;
th e v alue an d co m ple x ity o f the c as e ;
th e g eo gra ph ic a l lo ca tio n of th e policyholde r
an d th e othe r p arty to the a ction ;
th e stan ce of th e oth e r p arty;
w h eth er a reas o na ble p ers on w ithou t legal
e xp e ns es in su ranc e w o uld pu rsu e th e m atter
an d f i nanc e the ir ow n le g al c os ts .
R ea s on a bl e c h an c e o f s u c ce ss
Th ere is a 5 1 o r be tter c h anc e that th e pe rso n
wi ll wi n the c a se an d ac h ie v e a po s itive o utc o m e .
Ex a m p le s o f a po sitiv e o utc o m e are b eing abl e to :
rec ov er th e a mo un t o f m on ey a t s tak e;
en fo rc e a judge m ent ;
obt ain an o utc om e w h ic h bes t se rve s yo ur
inte res t;
rec o ve r an a m o unt g reat er th a n tha t be ing
o ff er ed by th e oth er pa rty .
Territorial limits
Grea t B ri tai n , N orth ern Irel and, the Re pub lic o f
Ireland, th e Is le o f M an an d the C h anne l Is la n d s.
F or c lai ms relating to uni n sur ed lo ss es a n d
pe rs o nal injury , the territo ria l lim its a re e xt ende d to
an y c ou ntr y wh ic h is a m e m be r of th e E uro pea n
U nion E U ) a nd an y c ou ntry w h ic h fo llow s
E U d ire ctiv es a nd h as bee n approv e d by th e
C o m m iss ion ofthe E U .
U n in s u re d l o ss es
Los s es tha t ca nt b e re co ve red from an y ins uran c e
po lic y th e in su re d p erso n h old s.
W e o u r u s
Live rpo ol V ict o ria Ins u ra nc e C om p an y Lt d.
Y o u y o u r
T he C S M A C lu b m em b er an d the ir sp o us e/ part ner
liv in g w ith th e m em b er.
What is covered
U ni ns u re d l os s r ec o ve ry a nd p er so n al i nj ur y
a ) W e ll p ay fo r leg al e xp ens es to rec ov e r th e
ins u re d p ers on s un ins u red los s es fo llow ing a ro ad
tra ffic co lli si o n inv olving th e in su red v ehicle w hich
ca us es :
d a m a g e to the in su red v eh icle or t o p ers onal
pro p erty in it; or
death or in jury to a n in su red pe rso n w h ile
trav ellin g in or on th e in su red v ehicl e .
D ef en c e o f p r o se c ut io n
b) W e ll p ay for leg a l ex pens e s to de fen d a
mot o ring p ros ec utio n aris in g from an inc id en t
w hi le the ins ure d p e rs on w as usi ng th e in s ure d
ve h ic le, an d wh ic h is n ot c ove re d und er the
in su re d pe rso ns m otor in su ra nc e.
c ) W e ll pay fo r le ga l exp e nse s to s up po rt a p lea in
m itig ation if it s lik ely to a ffe c t th e ou t c ome .
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Personal injury claims
A s pa rt of any c lai m fo r perso na l in ju ry y our lega l
re pres ent at ive
m a y
ne e d to arra ng e fo r yo u to be
m edi cally ex am ine d by a d o cto r. T hey
m a y
appoint
a m e dic al agenc y to arra nge th is exam ination .
T he m edica l ag enc y w ill c onsider w het her
re habi litat io n w ou ld as si st y ou in re cove ring
from yo u r inj ur y . W e d o no t res tric t you r leg al
repres entative in th eir cho ic e o f m edical agenc y
an d reh ab ilit ati on prov ider.
D i s p u t e s
How to complain
If y ou hav e a c om pla int ple ase co ntac t A rc quoting
y our c la im num ber. Yo u c an wr ite to :
Th e M anag ing Di rector
A rc Leg al A s sistanc e
P O B ox 8 92 1
C ol ches ter C0 4 5Y D
Em ail: claim s@ arcle gal.co .u k
U n der the So lic ito r C lie nt C onfident ial ity R ules,
yo ur le gal re pr es entative is re qu ired to obt ain yo ur
w ri tten co nsen t in or der to re lease an y in fo rm at io n
re lat ing to you r ca se to us.
If A rc ca nno t res olv e yo ur c ompl aint , yo u m a y
refe r you r co m plain t to the F inanc ial Om bu dsm an
Se rvic e w ithi n 6 m ont hs o f re ceivi ng a final
res pons e lett er from A rc .
Th ei r de tails are:
F inancia l O m b u d s m an Se rvi ce
E x c hang e T ow e r
H arb ou r Ex c han ge S qu ar e
Lon don
E 149 G E
Ph one: 08 00 023 4567
E m ai l: c o m p laint.in fo @ fina nc ial -o m bu ds m an .or g .u k
Making a complaint wont af fect you r r ight t o
take legal act ion.
Arbitration
Y ou also h av e the righ t to refe r an y d is pute
be tw ee n y ou a nd u s to an a rbit ra tor w ho w ill
m ak e a dec is io n to s ettle the d is pute. T he arb itrator
wi ll be eithe r a s olic itor or a ba rr is ter or other
su itab ly q ua lified pe rs on th at y ou a nd we agree
on . If w e c ant agre e on th e ch oice of arbitrator,
we ll as k th e P res iden t o f th e Law S oc i ety or
oth er gov erning bod y fo r s olicitors o r o th er l egal
represen tat iv es ap poin ted und e r th is insu ran ce ) in
the relev ant jurisdict ion to c hoos e one w hich w e
both m ust ac cept. W e a nd you m us t kee p to the
arbitra tor s decis io n. Th e arbitrator
m a y
re quir e y ou
or us t o pay th e c ost o f the arbitrat ion .
Yo u ca n g et this an d other do cum ents from us i n B rai lle, la rg e p rint or on audio by contacting us .
CSMA Club is a trading name of Motoring Leisure Services Limited a subsidiary of the Civil Service Motoring Association Limited
registered office Britannia House 21 Station Street Brighton BN1 4DE registered in England no: 02813598. Motoring Leisure Services
Limited is authorised and regulated by the Financial Conduct Authority. LV= and Frizzell are registered trade marks of Liverpool Victoria
Friendly Society Limited and LV= Frizzell is a trading s ty le of the L iverpool Vic toria group of companies. Liverpool Victoria Insurance
Company Limited registered in England and Wales number 3232514 is authori sed by the Pruden tial Regulation Authority and regulated
by the Financial Conduct Authority and the Prudential Regu lation Authority register number 202965.
Registered address: County Gates Bournemouth BH1 2NF.Tel: 01202292333 2144167805/14