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Markerstudy Commercial Vehicle Insurance

This is a Policy Summary only and does not contain the full terms and conditions of the contract. Full terms can be found in the Policy Wording, a copy of which is available on request.

What is Markerstudy Commercial Vehicle?

Markerstudy Commercial Vehicle is a Commercial Vehicle insurance policy, underwritten by Markerstudy Insurance Company Ltd.

What does Markerstudy Commercial Vehicle cover me for?

You can choose one of two different types of cover, which are summarised below with the lowest level of cover shown first. Both cover you, if you are involved in an accident, for damage you cause to other people's vehicles or property or for injuries they sustain. Your insurance agent will tell you which level of cover you have been offered.

Third Party Fire & Theft (TPFT)

You are also covered for loss of or damage to your own car caused by fire or theft.

Comprehensive (Comp)

In addition to the cover provided above, you are also covered for any damage your vehicle sustains in an accident or for any damage caused by vandalism.

What happens if I take out cover and then change my mind?

The policy provides you with a 14 day reflection period to decide whether you wish to continue for the full policy year. This is subject to certain terms, including a pro-rata time on risk charge. Full details are shown in the full policy wording which is available on request.

How do I notify a claim under my Markerstudy Commercial Vehicle policy?

Our New Claim Notification Helpline is a service provided to all our policyholders to help in the early, sometimes difficult, stages when making a claim. A free telephone call to the relevant number shown below is all that is required to ensure your claim is handled quickly and smoothly. These numbers are open 24 hours a day, 365 days a year.

The relevant telephone numbers are: -

Comprehensive policyholders: 08003160680
TPFT policyholders: 0800 0853794
Windscreen claims (if covered): 0800 387565

How do I make a complaint about my Markerstudy Commercial Vehicle policy?

Our aim is to get it right, first time and every time. If we make a mistake we will try to put it right promptly. We will always confirm receipt of your complaint within five working days and do our best to resolve the problem within 4 weeks. If we are unable to do so, we will let you know when the answer may be expected. If we have not resolved the problem within eight weeks, you can refer the matter to the Financial Ombudsman Service. We can provide information on this service.

Should you wish to make a complaint, it should be sent to the Underwriting Director at Markerstudy Insurance Company Ltd.

Would I receive compensation if Markerstudy Insurance Company were unable to meet its liabilities?

In the event that Markerstudy Insurance Company is unable to pay a claim you may be entitled to compensation from the Financial Services Compensation Scheme. We can provide full details on request.

Standard Features

The following will automatically be included in your policy, according to the cover you have selected. This is a summary only - full terms can be found in the Policy Wording - a copy is available on request.

Features and Benefits	Significant Exclusions or Limitations	Policy	Comp	TPFT

Personal Belongings	No cover	1	x	x
Audio Equipment
Cover is provided for permanently fitted audio equipment	Does not apply to: Equipment that is not the manufacturers standard equipment Television equipment or two-way radio transmitters or receivers Cover is limited to a maximum of £200	4	√	x
Foreign Travel
Provides the minimum cover which is legally required to use your car in all EU countries and any country which agrees to follow EU directives and is approved by the Commission of the European Union. Full cover can be provided subject to at least 14 days prior notification and the payment of an additional premium	Provided: Your permanent home is in Great Britain, Northern Ireland, Channel Islands or Isle of Man Your visit is of a temporary nature	5	√	√
Windscreen Cover	No cover	1	x	x
Driving Other Vehicles	No cover	N/A	x	x

General Exclusions and Conditions

This is a summary only - full terms can be found in the Policy Wording - a copy is available on request.

	What is not covered			Policy Section
Accidental & Malicious Damage Fire and Theft Excess	The following excesses apply on top of any other excess which may apply (which will be shown in your Policy Schedule)			1 & 2
	Standard Policy Excess	Comprehensive	TPFT
		£100	£100
Loss of or Damage to your vehicle	Loss of or damage to your vehicle if the vehicle is unoccupied and the ignition key is in or on your vehicle Loss of use of your vehicle Loss of value of your vehicle following repair Mechanical, electrical and electronic fault, breakdown, malfunction, failure or breakage The unauthorised taking away of your vehicle by a family member or persons known to you			1 & 2
Use of the vehicle	Cover does not apply if the vehicle is : being used for any purpose that your current Certificate of Motor Insurance does not permit being driven by any person who is not described in your current Certificate of Motor Insurance as a person entitled to drive in or on any part of any airport which is used for the take off and landing of aircraft			General Exceptions (i)