Product support

Social, domestic and pleasure use allows you to drive to one set place of work. This is automatically included in your car insurance policy unless stated otherwise. If you do need to use your car for business use, you will need to add extra cover onto your policy.

No, but depending on the level of cover chosen the policyholder may be able to drive other cars at third party cover (with owner’s permission).

Legal expenses are expenses incurred for legal representation or legal proceedings. This option covers you for up to £100,000 which can be used to pay either:

• Reasonable legal costs to defend you against a motoring prosecution (in an incident when you were using your car);
• To pursue a civil claim for the recovery of uninsured losses due to an accident involving your car resulting in your injury or death.

Personal accident cover will pay out if you or your spouse / partner are accidentally injured in your car, and within 90 days, independently of any other cause, if the injury results in:

• Death;
• Permanent loss of any limb above the wrist or ankle; or
• Complete and irrecoverable loss of sight in one or both eyes.

More information can be found in section 8 of the Document of car Insurance.

You can choose to increase your level of cover from £10,000 to £100,000 when you generate your quote.

A discount is not provided for additional security at present.

Depending on the level of car insurance cover you have chosen, you may be able to drive other cars at third party cover (with the owner's permission). You will need to check this on your insurance policy documents.

To make a car insurance claim, call the LV= new claims on +44 783 974 9373 and the consultant will give you further information of what to do. You can find more information about making a claim on your car insurance in the claims section.

Inform the Police as soon as possible and at least within 24 hours if your car or its contents are stolen and provide LV= with the crime reference number.

No, you only need to pay the excess towards your own repairs.

Yes, if you choose to arrange for your own car then you will be liable for the cost.

If you have a Comprehensive or Third Party Fire & Theft policy you are entitled to a guaranteed courtesy car subject to using a LV= recommended repairer. If you choose to arrange your own Courtesy Car then you will be liable for the cost. 

You can use your own choice of garage, however LV= cannot guarantee to provide a temporary replacement vehicle if you do not use one of their recommended repairers.

No factory fitted options are not classed as modifications. A modification is any change made after the car leaves the factory that alters the standard specification or the appearance of the car.

If you want to add another driver to your existing policy, please call LV= on +44 783 974 9373 and they will be able to add the other driver to your car insurance policy. You will need the following information about the other driver:

• Their name;
• Date of birth;
• Occupation;
• Driving licence details; and
• Their driving experience (such as any previous claims or motoring convictions).

A £15 administration fee may apply. Please check with the consultant when you call.

Acceptance of the additional driver is not guaranteed and your premium may increase or decrease as a result of the addition.

If you need to cancel your insurance within 14 days of receiving your documents, we'll refund any money you've paid, less a charge for the cover you've had and a cancellation charge of £40 for setting up the policy. A charge won't be made if you cancel before your cover start date.

We'll send you the refund within 30 days of you telling us that you'd like to cancel.

If you need to cancel your policy more than 14 days after you receive your documents, and if you've not made a claim, we'll refund any money you've paid, less a charge for the cover you've had and a cancellation charge of £40. In all cases we need the certificate to be returned to us.

To cancel your policy, call LV= on +44 783 974 9373.

Please see the policy summary for more details.

LV= do not currently give a discount for the Pass Plus test.

The Guaranteed No Claim Discount is available if you are 21 years old or more and have built up at least 4 years No Claim Discount (this is subject to there being no outstanding claims).

Call LV= on +44 783 974 9373 and let them know the details of your new car. They will update your car insurance policy and send you a new Certificate of Insurance. A £15 administration fee may apply. Please check with the consultant when you call.

Your premium may increase or decrease as a result of the transfer.

An excess is the first portion of a claim which you are responsible to pay and is individual to each policy.

If your schedule shows that you have to pay an excess, you must pay this in the event that you make a claim.

LV= would look to recover the excess if the accident is not your fault and they have the third party's details.

We’re an Intermediary. As we’re an “authorised person” with the Financial Conduct Authority (FCA), to carry out one or more regulated activities, our regulatory status is an Intermediary and Rafidain Bank car insurance is provided by Liverpool Victoria Insurance Company Limited. 

When you apply for Rafidain Bank car insurance we’ll provide you with information such as the products we offer, the service we’ll provide, fees and who regulates us. We’ll also provide details of our complaints process and advice on how the product may be covered under the Financial Services Compensation Scheme (FSCS). 

To ensure our product meets your needs, the level of cover can be customised, and certain options will only apply if you have selected them and they are shown on your schedule. Neither Rafidain Bank nor LV= will provide you with any advice or recommendation as to whether this product meets your specific insurance requirement and you should review your insurance requirements on a regular basis.