If you had an accident, fell ill, or became unemployed it could make it difficult to keep up your insurance payments. But there's no need to worry about that. If you're paying for your Kwik Fit Insurance in monthly instalments, you could take out the Kwik Fit Payment Protection Plan. That way, if the worst happens they'll be paid for you. If you would like to add Payment Protection to your Kwik Fit Home Insurance policy, please call us now on 0800 280 2945.

Payment protection plan is only available if you are paying for your policy by monthly instalments.

Accident, Sickness & Unemployment Policy Summary

This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be found in the policy wording. It is important that you read the policy wording carefully.

Who are the insurers?

The insurer of this policy trades as Norwich Union and is Norwich Union Insurance Limited.

What is Kwik Fit Insurance Payment Protection?

This policy will pay your monthly Kwik Fit motor or household insurance repayments if you are unable to work because of accident, sickness or unemployment or if you leave work to become a carer.

To be eligible to apply for this policy you must:

• be 18 or over and under 64
• be in paid work at of least 16 hours per week and have been so for the last 6 months
• live in the United Kingdom
• be named as the policyholder(s) on the Kwik Fit motor or household insurance policy and the monthly premium is collected from the policyholder(s) bank account.
• not be under notice of redundancy
• be actively attending work and not currently certified as unfit for work by a doctor

If you are self employed or work on a fixed term contract you should read the policy to make sure it is suitable for your needs – you should pay particular attention to the ‘Employment Circumstances’, ‘Unemployment Cover’ and ‘Your Claim’ sections.

If you are in temporary work you are not eligible for this insurance.

What happens if my circumstances change?

Your eligibility for cover under this policy may change if your circumstances change, for example if you retire from work, voluntarily reduce your hours to less than 16 per week or leave the UK to live abroad. If this happens or is likely to happen you should discuss this with Kwik Fit Insurance.

What are the benefits and features of Kwik Fit Insurance Payment Protection?

If you are unable to work for more than 30 days in a row (the waiting period):

• We will pay one monthly benefit
• We will then continue to pay monthly benefit at calendar monthly intervals for every further full month you are off work, up to maximum of 12 full monthly benefit payments in total.
• The maximum monthly benefit amount will be the monthly insurance premium payable by you to Kwik Fit Insurance, under the terms of your motor or household insurance policy.
• If you are self-employed you will be entitled to claim for unemployment if you have involuntarily ceased trading because you could not find enough work to meet all your reasonable business and living expenses and have declared this to HM Revenue and Customs.
• If you receive payment in lieu of notice, your unemployment claim will start when you have registered as unemployed after the date your notice period ends.
• You will also receive details of our ‘Back to Work’ service which provides independent confidential advice and guidance to help you return to work.

Note - If you have retired, are not actively seeking work and are not registered as unemployed, you will not be able to claim for accident or sickness benefit.

Note - You will need to register for a Jobseeker’s Agreement to be able to make an unemployment claim. If you are ineligible for a Jobseekers Agreement you must be able to provide alternative proof acceptable to us that you are actively seeking work.

What am I not covered for?

• There are no exclusions under this insurance cover.

How long does my Kwik Fit Insurance Payment Protection run for?

Your cover will continue as long as you have a Kwik Fit Insurance motor or household insurance policy, including any period for which you renew the policy and you continue to pay your monthly premium on time. Your cover will end when you reach age 65 or if you retire and do not intend to work again. The policy is designed to cover the monthly insurance premium payable by you to Kwik-Fit Insurance so you do not need to review your level of cover.

The premium is reviewable and we may change the rate or terms and conditions of the policy by giving you 30 days’ written notice.

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

This insurance is optional and you have the right to cancel your policy during a period of 30 days from the day of purchase of the policy or the day on which you receive your policy, whichever is the later. If you cancel within this period you will receive a full refund of any premiums paid.

You may cancel this policy at any time after this period by giving 30 days’ written notice to Kwik-Fit Insurance.

How do I make a claim?

Please call us on 0800 092 3720 between 9.00am and 5.00pm Monday to Friday.

How do I make a complaint?

We hope that you will be very happy with the service that we provide. However, if for any reason you are unhappy with it, we would like to hear from you. If you have a complaint about a claim you have made, please write to:

Norwich Union, Department 29, The Warren, Worthing, West Sussex, BN14 9QD or telephone 0800 092 3720.

If you have a complaint about the handling of your insurance, please write to: Kwik-Fit Insurance, 1 Masterton Way, Tannochside Park, Uddingston, Glasgow, G71 5PGL or telephone 0800 280 2222.

We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may then be entitled to refer it to this independent body. Following the complaints procedure does not affect your right to take legal action. Full details of our complaints procedure can be found in your policy booklet.

Would I receive compensation if Norwich Union were unable to meet its liabilities?

We are members of the Financial Services Compensation Scheme (“FSCS”). You may be entitled to compensation from the scheme if we cannot meet our obligations, depending on the type of insurance and circumstances of the claim.

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If you would like to add Payment Protection to your Kwik Fit Home Insurance policy, please call us now on 0800 027 1491.