Aircrew Legal Protection Insurance
Brit Syndicate 2987 at LloydÕs
This document is a summary of the Aircrew Legal Protection insurance product and provides details of the main benefits and limitations of the insurance. The summary does not contain the full terms, exclusions and conditions of the insurance policy which can be found within the policy document.
Aircrew Legal Protection is a Legal Expenses insurance policy to provide cover to individuals who are employed as air crew, licensed aircraft engineers or air traffic controllers against Legal Expenses incurred arising out of claims or legal proceedings in respect of this activity.
The insurance policy is a claims made insurance, which means it will only respond to claims or matters that could give rise to a claim involving you and which you notify to the insurer in writing during the period of insurance stated in the schedule attaching to the insurance policy.
The application form that you complete will state what limits are available to purchase for this insurance. Depending on what limit you decide to purchase this will be specified in the schedule attaching to the insurance policy and the insurer will pay up the maximum amount stated for any one claim and the overall aggregate for all claims notified during the period of the insurance policy.
Legal Expenses include any fees, expenses and other disbursements reasonably incurred by the solicitor that will represent you in any claim under the insurance policy
The insurer is Brit Syndicate 2987 at LloydÕs and the insurance has been arranged for you through Aircrew Legal Protection Limited. Aircrew Legal Protection Limited is the agent of the insurer and has the authority from the insurer to provide you with the Aircrew Legal Protection insurance policy and to make decisions on the insurer's behalf in the administration of the insurance. Your Aircrew Legal Protection insurance policy will be issued direct to you by Aircrew Legal Protection Limited.
Brit Syndicate 2987 at LloydÕs and Aircrew Legal Protection Ltd are authorised and regulated by the Financial Services Authority.
Significant Features and Benefits
The Aircrew Legal Protection insurance policy provides you with cover for the payment of Legal Expenses relating to the following situations which arise as a result of your employed activity as a pilot or other aircrew member:
* Representation at an enquiry established by a statutory authority concerned with administration, management, education or training which you are required or requested to attend.
* Representation at a public or private hearing held by a government authority into any accident or occurrence in relation to any aircraft in which you may be involved.
* The defence of a claim made against you arising out of and in the course of your employment.
* The pursuit of any claim against your employer.
* The pursuit of your legal rights against a third party in civil law to obtain compensation due to any injury you have suffered.
A benefit of the Aircrew Legal Protection insurance policy is a 24 hour 365 days a year Telephone Legal Helpline service provided by the insurer. You will be provided with the telephone number and information on what details to quote in order to access this service within the insurance policy. The service is provided within the insurance premium you have paid other than the cost of the telephone call.
Significant Exclusions or Limitations
The full list of all exclusions are as stated under the heading "Exclusions" within the insurance policy. The significant exclusions applicable to the insurance and for which cover is not provided are as follows (the numbers shown relate to the numbers within the insurance policy):
1. The defence of any civil legal proceedings arising from;
(a) Death or injury to any person including sickness, disease or any naturally occurring condition or degenerative process except in relation to the cover provided under the significant features and benefits stated above.
(b) Loss, destruction or damage to property owned, occupied or under the control of a third party, except in relation to the cover provided under the significant features and benefits.
3. Legal Expenses incurred before the Claims Administrator consent has been granted in writing.
4. Any claim in connection with or arising from any cause, event or circumstance occurring prior to or existing at the inception of the insurance policy which you knew or ought reasonably to have known may give rise to a claim or legal proceedings by or against you.
11. Legal Expenses in connection with Judicial Review or reference to the European Court of Justice.
16. Any claims or legal proceedings in respect of representation at any Service Board of Inquiry or Court Martial.
17. Any claims or legal proceedings relating to the flying of any aircraft outside the course of your employed activity as a pilot or aircrew member.
Condition 4.3 of the full insurance policy requires there to be reasonable prospects of a successful defence or pursuit of any claim under this insurance.
The duration of the insurance policy
The insurance policy will normally be for a period of 12 months. The schedule attaching to the policy wording will state the actual period of insurance.
The price of the insurance policy
The premium applicable will be as stated on the application form and will depend on the limit that you decide to purchase. Insurance premium tax at the rate prevailing at the time will be charged in addition to the premium.
How to make a claim
All claims under this insurance are handled on behalf of the insurer by their Claims Administrator, ARAG plc.
You must notify the Claims Administrator in writing immediately you are aware of any cause, event or circumstance which has or could give rise to a claim or legal proceedings which involves you. This policy only covers claims notified in writing to the Claims Administrator during the period of insurance as stated in the schedule attaching to the insurance policy. A claim form will be sent to you, and you must complete and return this form immediately.
The Claims Administrator must agree all claims in writing before any Legal Expenses are to be incurred. Only Legal Expenses which the Claims Administrator has expressly agreed to will be covered by this insurance.
The Claims Manager
9 Whiteladies Road
Bristol BS8 1NN
Claims Helpline 0333 000 7911
Your right to cancel
You have the right to cancel the Aircrew Legal Protection insurance policy within 14 days of the date of you receiving the insurance policy document with a full refund of the premium
You also have the right to cancel the insurance policy at any time during the period of insurance but the insurer will only return a proportion of the premium to you depending on the time when you cancel. You will not receive a return of premium if you have notified a claim.
To exercise your right to cancel please give written notice to Aircrew Legal Protection Ltd.
The insurer is covered by the Financial Services Compensation Scheme ("FSCS"). You may be entitled to compensation from the scheme if the insurer cannot meet its obligations. This depends on the type of business and the circumstances of the claim.
Further information about compensation scheme arrangements is available from the FSCS.
The Financial Services Compensation Scheme
7th Floor Lloyd's Chambers
London E1 8BN
Telephone 020 7892 7300
This policy shall be governed by and construed in accordance with the laws of England and Wales.
If you have a complaint
We strive to provide an excellent service to all Our customers but occasionally things can go wrong. We take all concerns seriously and endeavour to resolve all customersÕ problems promptly. If You have a question or concern about Your policy You should, in the first instance follow the guidance notes or instructions in the insurance documentation You have been sent. Your broker will also be able to advise You and provide assistance in this regard.
Alternatively, if You wish to contact Us directly You should either write or telephone:
The Complaints Department
Brit Syndicates Limited
The Leadenhall Building
122 Leadenhall Street
London EC3V 4AB
Telephone: 0044 (0) 20 385 70000
Facsimile: 0044 (0) 20 385 70001
In the unlikely event that You remain dissatisfied and wish to make a complaint You can do so at any time by referring the matter to Us at the above stated address or the Complaints Team at LloydÕs at the following address:
One Lime Street
London EC3M 7HA
Telephone: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225
Details of LloydÕs complaints procedure are set out in a leaflet ÒYour Complaint - How We Can Help available at www.lloydÕs.com/complaints and are also available from the above address.
Should You remain dissatisfied after LloydÕs has considered Your complaint and You are NOT a policyholder in the UK, You should, in the first instance, seek advice from Your broker as to whom You should direct your complaint.
If You were sold this product online or by other electronic means and within the European Union (EU) You may refer your complaint to the EU Online dispute Resolution (ODR) platform. Upon receipt of Your complaint the ODR will escalate Your complaint to Your local dispute resolution service Ğ this process is free and conducted entirely online. You can access the ODR platform on http://ec.europa.eu/odr.
If You are a policyholder in the UK, You may be able to refer the matter to The Financial Ombudsman Service. The Financial Ombudsman Service is an independent service in the UK for settling disputes between consumers and businesses providing financial services, they can normally deal with complaints from private individuals and from small organisations; further information is available from:
Financial Ombudsman Service (FOS)
Helpline: 0800 0234 567
0044 20 7964 0500 (if outside UK)
Switchboard: 0044 (0) 20 7964 1000
Facsimile: 0044 (0) 20 7964 1001
Making a complaint to the Financial Ombudsman Service (FOS) does not affect Your rights under this policy but if You are not an eligible complainant then the informal complaint process ceases.