ASDA Car Insurance (Third Party, Fire & Theft)

Part A Loss and damage
Loss of or damage to Your Car, or spare parts
If your car, accessories or spare parts are lost, stolen or damaged, the insurer will:
- repair the damage;
- replace what is lost or damaged and is too expensive to repair, or
- pay you the cost of the loss or damage.
The insurer can choose which of these actions the insurer will take for any claim the insurer agrees to, and the repairer can use parts that have not been supplied by the manufacturer, but are of a similar standard.
If you cannot use your car because of loss or damage that is insured under this policy, the insurer will also pay the reasonable cost of protecting your car and taking it to their nearest approved repairer. After the repair, they will pay the reasonable cost of delivering the car to your address in the UK.
Where your car is not recovered following theft or is beyond economic repair the insurer will pay you the market value of your car, including accessories and spare parts which are in your private garage at the time they are lost, stolen or damaged.
If you are buying your car under a purchase or leasing agreement, the insurer will normally make the payment for the total loss of the car to the hire purchase company or the leasing company.
Exclusions to Part A of Your policy
You are not covered for the following:
- for any other costs that are indirectly caused by the event which led to your claim, unless specifically stated in this Policy
- loss of use, loss of value, wear and tear, mechanical, electrical or electronic failure, breakdowns or breakages
- loss of value after a repair
- the cost of any repair or replacement which improves your car beyond the condition it was in before the loss or damage occurred
- loss of or damage to your car arising from or in consequence of water freezing in the cooling circulation system of your car
- damage to tyres from braking, punctures, cuts or bursts
- loss, destruction or damage caused by pressure waves from aircraft or other aerial devices travelling at sonic or supersonic speeds
- loss of your car by trickery or deception to someone who claims to be a buyer or agent loss or damage to your cars management system or other computer or electronically controlled equipment caused by
failure to recognise any date as the true calendar date
- the cost of any hired alternative transport
- loss from taking your car and returning it to its legal owner
- loss of or damage to your car by theft or attempted theft while no-one is in your car unless all doors, windows and other openings are closed and locked, the vehicles keys and any other door or ignition locking devices such as electronic key fobs or cards are removed, and vehicles electronic or mechanical security devices are activated;
- any excess that applies to this insurance.
Where your car is not to UK specification and any part, unit or accessories of your car becomes unobtainable or obsolete in patent and therefore out of stock in the UK:
You are not covered for the following:
- increased repair and replacement parts, unit or accessory costs due to non-availability in the UK.
- and/or waiting time for delivery.
- storage costs awaiting commencement of the repair to your car.
- loss of or damage to your car as a result of legal re-possession.
- loss of or damage to your car caused by theft, attempted theft or malicious damage unless reported to the police and a crime reference has been obtained.
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3 Audio Equipment
The insurer will pay up to £500 for loss or damage to your cars fitted in-car audio equipment.
If this equipment forms part of the original vehicle specification and was fitted by the manufacturers or the manufacturers approved dealer, the amount of cover is unlimited, subject to the relevant excess.
The insurer will not pay for loss or damage to telephone equipment.collapse

3 Audio Equipment
The insurer will pay up to £500 for loss or damage to your cars fitted in-car audio equipment.
If this equipment forms part of the original vehicle specification and was fitted by the manufacturers or the manufacturers approved dealer, the amount of cover is unlimited, subject to the relevant excess.
The insurer will not pay for loss or damage to telephone equipment.collapse

Optional cover available
Key Protection Cover - £14.95
This policy provides you with £1500 worth of insurance cover in the event that any of your keys attached to the provided fob are either lost, stolen or damaged. The main benefits are as follows:
- £1500 annual cover for locksmith charges, new locks and keys, car hire and onward transport costs.
- Up to 3 days car hire if you are stranded or your car is unusable as a result of lost, stolen or damaged keys.
- 24 hour 365 days a year Emergency Helpline.
- £10 reward payable to the finder of your keys.
- Any key attached to the fob is covered.
- There is no excess payable.
You can make a claim on this policy without affecting your No Claims Bonus on your other insurance policies.collapse

Hire car - £27.58
With this option you get a hire car for up to 14 days if your car is stolen, written off or in the garage being repaired after an accident, fire or theft. So you can still get to work on time, pick up the kids from school and do the weekly shopping as normal.
This supplies the benefit of a new class A vehicle for a period of 14 days which is delivered and picked up from any address in the UK
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Hire car - £27.58
With this option you get a hire car for up to 14 days if your car is stolen, written off or in the garage being repaired after an accident, fire or theft. So you can still get to work on time, pick up the kids from school and do the weekly shopping as normal.
This supplies the benefit of a new class A vehicle for a period of 14 days which is delivered and picked up from any address in the UK
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Hire car - £27.58
With this option you get a hire car for up to 14 days if your car is stolen, written off or in the garage being repaired after an accident, fire or theft. So you can still get to work on time, pick up the kids from school and do the weekly shopping as normal.
This supplies the benefit of a new class A vehicle for a period of 14 days which is delivered and picked up from any address in the UK
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Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union to the minimum level of insurance required (usually third party only). If you require a higher level of cover please contact ASDA Financial Services on 0845 602 0198. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator. This will upgrade your cover whilst driving abroad, to the same level of Insurance that you hold in the UK. Cover is valid for up to 90 days in any one trip, to the maximum of 93 days in any one insurance period.
Part C - Foreign use
This policy gives the minimum cover required by Law to use your car in:
- any country which is a member of the European Union (EU).
- any other country which the Commission of the European Union approves as meeting the requirements of Article 7(2) of the European Directive on Insurance and civil Liabilities arising from the use of a motor vehicle (No.72/166/CEE0).
If you are going to use your car abroad and want your full policy cover (for up to 93 days in any one policy year) contact us and please supply the following information:
- Your policy number.
- the period for which cover is required, i.e. the date you leave and the date you arrive back in the UK.
- the registration number and make and model of your car.
- trailer or caravan details - serial no./Description/Identity - (if applicable).
- countries to be visited.
Although it is not necessary to have an International Motor Insurance Certificate (Green Card) when travelling to the EU, you must notify us prior to your departure and in the absence of a Green Card carry your
certificate of motor insurance.
When travelling to any other country please notify us at least three weeks before you leave as you may require a Green Card, which may be subject to an administration fee from us. The insurer may make a charge for cover outside of the EU.
Exclusions to Part C of your policy
You are not covered for any legal action taken against you outside the UK, unless it is a result of using your car in a country to which the insurer has agreed to extend this insurance cover.
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Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union to the minimum level of insurance required (usually third party only). If you require a higher level of cover please contact ASDA Financial Services on 0845 602 0198. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator. This will upgrade your cover whilst driving abroad, to the same level of Insurance that you hold in the UK. Cover is valid for up to 90 days in any one trip, to the maximum of 93 days in any one insurance period.
Part C - Foreign use
This policy gives the minimum cover required by Law to use your car in:
- any country which is a member of the European Union (EU).
- any other country which the Commission of the European Union approves as meeting the requirements of Article 7(2) of the European Directive on Insurance and civil Liabilities arising from the use of a motor vehicle (No.72/166/CEE0).
If you are going to use your car abroad and want your full policy cover (for up to 93 days in any one policy year) contact us and please supply the following information:
- Your policy number.
- the period for which cover is required, i.e. the date you leave and the date you arrive back in the UK.
- the registration number and make and model of your car.
- trailer or caravan details - serial no./Description/Identity - (if applicable).
- countries to be visited.
Although it is not necessary to have an International Motor Insurance Certificate (Green Card) when travelling to the EU, you must notify us prior to your departure and in the absence of a Green Card carry your
certificate of motor insurance.
When travelling to any other country please notify us at least three weeks before you leave as you may require a Green Card, which may be subject to an administration fee from us. The insurer may make a charge for cover outside of the EU.
Exclusions to Part C of your policy
You are not covered for any legal action taken against you outside the UK, unless it is a result of using your car in a country to which the insurer has agreed to extend this insurance cover.
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Can I drive abroad on my policy?
Your policy will automatically cover you to drive in any countries which are members of the European Union to the minimum level of insurance required (usually third party only). If you require a higher level of cover please contact ASDA Financial Services on 0845 602 0198. Calls may be recorded and monitored. Maximum call charge from a BT landline is 4p per minute. Calls from other networks may vary. Please check with your network operator. This will upgrade your cover whilst driving abroad, to the same level of Insurance that you hold in the UK. Cover is valid for up to 90 days in any one trip, to the maximum of 93 days in any one insurance period.
Part C - Foreign use
This policy gives the minimum cover required by Law to use your car in:
- any country which is a member of the European Union (EU).
- any other country which the Commission of the European Union approves as meeting the requirements of Article 7(2) of the European Directive on Insurance and civil Liabilities arising from the use of a motor vehicle (No.72/166/CEE0).
If you are going to use your car abroad and want your full policy cover (for up to 93 days in any one policy year) contact us and please supply the following information:
- Your policy number.
- the period for which cover is required, i.e. the date you leave and the date you arrive back in the UK.
- the registration number and make and model of your car.
- trailer or caravan details - serial no./Description/Identity - (if applicable).
- countries to be visited.
Although it is not necessary to have an International Motor Insurance Certificate (Green Card) when travelling to the EU, you must notify us prior to your departure and in the absence of a Green Card carry your
certificate of motor insurance.
When travelling to any other country please notify us at least three weeks before you leave as you may require a Green Card, which may be subject to an administration fee from us. The insurer may make a charge for cover outside of the EU.
Exclusions to Part C of your policy
You are not covered for any legal action taken against you outside the UK, unless it is a result of using your car in a country to which the insurer has agreed to extend this insurance cover.
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Protected No Claim Discount
Please refer to your schedule.
Although you can protect your no claim discount, your premium may increase if you make claims or you receive motoring convictions.
Your protected no claim discount will not be affected by payments for emergency treatment which the Road Traffic Act says the insurer must pay or payments made under Part A (2) for windscreen replacement/repair.
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No claim discount
As long as you have not made a claim during the current insurance year, the insurer will include a discount in your renewal premium.
The insurer will give you this discount for each claim free year up to the maximum entitlement.
Please refer to your schedule.
Please note that this will not guarantee that your premium will not rise following a claim.
Your no claim discount cannot be transferred to anyone else.
Your no claim discount will not be affected by payments for emergency treatment which the Road Traffic Act says we must pay or payments made under Part A (2) for windscreen replacement/repair.
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Protected No Claim Discount
Please refer to your schedule.
Although you can protect your no claim discount, your premium may increase if you make claims or you receive motoring convictions.
Your protected no claim discount will not be affected by payments for emergency treatment which the Road Traffic Act says the insurer must pay or payments made under Part A (2) for windscreen replacement/repair.
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