Key Terms
Below is a summary of the key terms of these Terms of Use. This summary is for your reference only and does not form part of the Terms of Use.
1. Introduction
Here at Caura, we don’t really like long terms and conditions, but these are important. The Caura Terms of Use set out in this document, together with our Caura Privacy Policy, set out the rules which cover our relationship with you in relation to our App.
These apply to you if you use our App and are legally binding so please read them. You may also want to print them out or save them on your device in case you ever want to come back to them in the future.
Please remember that these Terms of Use aren’t a complete list of all your or our rights or responsibilities, as there might be others under general law. If you want more information about your general rights as a consumer, contact a consumer advice organisation, such as the Citizens’ Advice Bureau.
The App is provided to you subject to these Terms of Use (the "terms"). By using the App you agree to these terms. If you do not agree with these terms, you must not use the App
2. Who are we?
We are Caura Ltd (also referred to as "we", "our" and "Caura"). We are registered in England and Wales under company number 11520538 and have our registered office at 1 Horse Guards Avenue, London, England, SW1A 2HU.
Data Protection
Our data controller registration number is ZA603130 and you can check our registration on the Data Protection Public Register by visiting here.
Financial services registration
Caura is authorised and regulated by the Financial Conduct Authority, FCA registration 923662. You can check this by visiting the Financial Services Register or by contacting the FCA on 0800 111 6768
3. How the App works
The Caura mobile application (the "App") is an independent online platform made available by us which provides a range of functionality in connection with your vehicle including the ability to make certain payments to third parties in order to receive the benefit of their services (“Services”). The App aims to make car-related matters effortless by allowing you to manage and track them in one place.
The App allows you to make payments to service providers including, but not limited to:
When you use the App to purchase a Service from a third-party provider, you will appoint us to purchase the Service in your name from the relevant third party. We will do this by communicating your details to the third party. You acknowledge that we will be authorised (under these Terms of Use) to conclude the purchase of the Service you have selected on your behalf, so once we communicate your details to the third party, this is essentially the same as if you had communicated them directly to the third party. The resulting purchase will be between you and the third party directly, we solely conclude your purchase of the Service, we do not perform it or act on behalf of the third party. If you experience any issues relating to the Services you purchase via the App, you must contact the relevant provider. We have no liability to you for any acts, omissions, errors or defaults of the providers in connection with the Services. For more details, please see section 15 (Liability Disclaimer) below.
In respect of payments for any Services, we will act as your agent in respect of those payments. We will settle the amount due for the purchase of Services on your behalf, and you will reimburse us for the full amount. We use a third-party payment service provider, Stripe, to process payments for Services purchased through the App.
The App is free for you to use, we may receive a fee or commission from some providers when you use or purchase their services via our App.
Please be aware that you will be subject to the relevant provider's terms of use and privacy policy (which will be different from ours) and you should read those carefully.
We are not responsible for processing refunds for Statutory charges and Toll charges. Refunds are dependent on our discretion and the policy of the relevant provider.
All trademarks appearing in the app (for example OEM logos) are the property of their respective owners and their appearance in the app in no way implies any affiliation with the owners.
4. Support and how to contact us
If you have any questions relating to these terms, if you are having any trouble using the App or if you wish to make a complaint, please contact us by emailing us at support@caura.com OR by using the in-app messaging functionality.
5. Changes to these Terms
We may amend these terms from time to time, for example, to reflect changes in law, the functionality of the App or the Services offered through it. We will notify changes to these terms in advance via push notifications or any other manner we deem appropriate. Your continued use of the App will confirm your acceptance of the revised terms. Please check the terms whenever you use the App to ensure you understand the terms that apply at that time.
6. Updates to the App
We may update the App and change the Services available on the App from time to time to improve performance, enhance functionality, reflect changes to our users’ needs or our business priorities or to address security issues. Alternatively, we may ask you to update the App for these reasons. If you choose not to install such updates or if you opt out of automatic updates you may not be able to continue using the App.
7. Operating system requirements
This App requires either Apple iPhone running iOS 12 or later, or Android phones running Android 9 or later.
8. Privacy
Under data protection legislation, we are required to provide you with certain information about who we are, how we process your personal data and for what purposes and your rights in relation to your personal data and how to exercise them. This information is provided in our Caura Privacy Policy and it is important that you read that information.
Please be aware that internet transmissions are never completely private or secure and that any message or information you send using the App may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.
9. Who can use the App?
You are welcome to download and use our App if you agree to comply with these Terms of Use and you:
10. Downloading the App
If you download the App onto any phone or other device not owned by you, you must have the owner's permission to do so. You will be responsible for complying with these terms, whether or not you own the phone or other device. You require internet access to use the App and you and they may be charged by your and their service providers for internet access on the devices. You accept responsibility in accordance with these terms for the use of the App on or in relation to any device, whether or not it is owned by you.
11. Licence restrictions
The App is made available free of charge on a non-exclusive, non-transferable basis for your personal, non-commercial use only. This means that you cannot make money from your use of the App.
You agree that you are solely responsible for any costs and expenses you may incur in relation to your use of the App.
You agree that you will:
12. Acceptable use
You may only use the App for lawful purposes. You must not access or use the App (or any of the Services or content made available through the App):
13. Your Account
You must register for an account with us in order to use the App. Registering false contact information of any kind may result in the suspension or termination of your account.
You may only use and access the App on your own behalf and not on behalf of anyone else. Please ask them to sign up on their own behalf if they wish to use the App.
Your registered account details (including your password) are confidential. You must not disclose this information to any third party. You are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other action taken in connection with your account.
If you add a vehicle to your Caura account you must have the explicit consent of the registered keeper of the vehicle. You are responsible to ensuring you continue to have this consent and may be required to evidence this consent at any time. If you update your vehicle registration plate then you must add the new plate as a new vehicle to Caura, you are solely responsible for any consequences of not updating and maintaining accurate vehicle information, such as penalties or fines.
You must immediately notify us of any unauthorised use of your account or any other breaches of security.
14. Caura Licence
Caura Licence is a concierge service that enables you to get your licence details from the DVLA and view in Caura. As part of the verification, you will have to enter your national insurance number. This information is only used to verify your identity with the DVLA. It is stored encrypted and is not accessible to anyone at Caura. In turn, the DVLA shares the information you have entered with HMRC and DWP to verify your identity. Learn more about how we handle your data here.
By using Caura Licence, you consent to the following:
If you wish to stop using this service, you can delete your licence from your account.
15. Intellectual Property
All intellectual property rights in the App throughout the world belong to us (or our licensors) and the rights in the App are licensed (not sold) to you. You have no intellectual property rights in, or to, the App other than the right to use them in accordance with these terms.
You licence us to use any information, data or other content (“Content”) you provide to us through the App or that we obtain or receive on your behalf and you agree that we can use, modify, display, distribute and create new material using the Content so that we may provide you with the App (and the Services offered through it) and for any other purposes set out in these terms, including our Caura Privacy Policy. By submitting Content you confirm and agree that the owner of that Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the Content for the purposes set out in these terms and our Caura Privacy Policy.
16. Liability Disclaimer
Please read the provisions of this section carefully as they exclude or limit our liability for any losses suffered by you in connection with your use of the App.
Nothing in these terms excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, nor any other liability that cannot be excluded or limited under applicable law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our App, any content on it or Services accessed through it, whether express or implied.
We will not be liable to you or any third party for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, even if foreseeable, arising under or in connection with:
You acknowledge that when you use our App to make payments to third party providers, we act as your agent in respect of those payments. We do not accept any responsibility or liability to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty or otherwise, even if foreseeable, that you may incur if any Services you purchase do not meet your requirements or are not suitable for you, or for any acts, omissions, errors or defaults of any third party in connection with those Services.
We shall only be responsible for loss or damage you suffer that is a foreseeable result of our breach of these terms or our negligence. Loss or damage is foreseeable if it is an obvious consequence of our breach or if they were contemplated by you and us at the time you accepted these terms.
We try to ensure that all content provided by us on the App is accurate. However, we don’t guarantee that all the information in the App is up to date or accurate at all times and we accept no liability for inaccuracies or omissions. Any reliance that you may place on the information on the App is at your own risk. We recommend that you check the accuracy and completeness of any information before relying on it. We may from time-to-time automatically populate information such as your insurance renewal date, this information is intended to be helpful but we bear no responsibility for the accuracy of such information. You are responsible for ensuring that your vehicle remains compliant with regulations.
Although we take all reasonable steps to protect our systems using virus checking software, please note that any content downloaded from our App is at your own risk. We do not accept liability for any loss or damage that you suffer as a result of any distributed denial-of-service attacks, computer viruses, Trojan horses, worms, software bombs or other damaging items resulting from your use of our App. You are responsible for protecting your computer systems and other devices from exposure to viruses by the use of anti-virus software, firewalls and any other technical measures necessary. If you download our App or other digital content provided by us and you suffer damage to your device or other digital content you own because we have not exercised reasonable care and skill in creating such digital content, you may be entitled to compensation or repair at our expense pursuant to your statutory rights.
We do not guarantee the availability of the App. As with any service over the Internet or mobile network, there are factors over which we have no control, for which we cannot accept liability. We may suspend, withdraw or restrict the availability of all or any part of the App where we consider that this is necessary for maintenance or any other business or operational reasons without any prior notice or liability to you.
The App is provided on an 'as is' and 'as available' basis. We try to make sure that it will work on each compatible mobile device (please see section 7 (Operating Requirements) above for more details on compatible devices), however, we do not guarantee that the App will be suitable for your needs or that it will work accurately or in any particular way.
We shall not be liable for any delay or failure to provide our services or perform any obligation under these terms if the delay or failure is caused by circumstances beyond our reasonable control.
We do not charge you a separate fee for access to and use of the App. On this basis, our total aggregate liability for any losses and/or damage suffered by you will be limited to £50.
17. We are not responsible for other websites we link to
The App and the Services made available to you via the App may contain links to independent websites which are not provided by us. These independent sites are not under our control and we are not responsible for and have not checked and approved their content of their privacy policies (if any). You will need to make your own independent judgement about whether to use such independent sites, including whether to buy any products or services offered by them.
18. We may end your rights to use the App if you break these terms
We reserve the right at any time to terminate your agreement with us and your use of the App, with or without cause, immediately upon giving you notice in writing to the email address provided by you when you registered for your account (or any subsequent email address you provide). In particular, we may do this if:
In such instances, we are not liable to you for the cost of any Services purchased by you through the App which you are no longer able to access or use as a result of your account being deleted or suspended.
If you no longer wish to use the App, you can close and delete your account by emailing your request to support@caura.com. Please note that once deleted, your account cannot be recovered.
19. Appstore provider
We make our App available on the Google Play Store and the Apple App Store (the “Appstore Providers”). The ways in which you can use the App may also be controlled by the Appstore Provider’s rules and policies. We encourage you to read those rules and policies and ensure that you comply with them. If there are any differences between these terms and the Appstore Provider’s policies, the latter will apply.
You acknowledge that these terms are concluded between you and us, and not with the Appstore Provider. We are solely responsible for the App and its content, not the Appstore Provider. The Appstore Provider has no liability whatsoever to you under these terms or in relation to the App.
20. Open source software
If any open-source software is included in the App, the terms of an open-source licence may override some of the terms of these terms.
21. We may transfer these terms to someone else
We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under these terms.
22. You need our consent to transfer your rights to someone else
You may only transfer your rights or your obligations under these terms to another person if we agree in writing.
23. Rights for third parties
If you have downloaded our App from the Apple App Store or Google Play Store, you acknowledge that Appstore Providers may enforce the provisions of these terms against you as a third-party beneficiary in accordance with the Contracts (Rights of Third Parties) Act 1999 (“Act”). Otherwise, nothing in these terms is intended to confer on any person any right to enforce any term of these terms which that person would not have had but for that Act.
24. If a court finds part of this contract illegal, the rest will continue in force
Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
25. If we delay in enforcing this contract, we can still enforce it later
Even if we delay in enforcing this contract, we can still enforce it later. If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date.
26. Our agreement with you
These terms constitute the whole agreement and understanding between you and us in relation to the use of our App. Except in case of fraud, all previous agreements, understandings, undertakings, representations, warranties, promises and arrangements between you and us relating to the subject matter of these terms or your use of our App are superseded, except as otherwise expressly stated in these terms.
27. Notices
You agree that any notices and other communication may be given by us by email or posted on our App and this will comply with any legal requirement for such communications to be in writing. You also agree that any notice or other communication made in such manner will be deemed received by you 24 hours after email or posting.
28. Which laws apply to this contract and where you may bring legal proceedings
These terms are governed by English and Welsh law and you can bring legal proceedings in respect of the products in the English and Welsh courts. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English and Welsh courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English and Welsh courts.
29. Interpretation
The headings used in these terms are for convenience only and shall not affect their interpretation. In these terms, unless specified otherwise, use of the singular includes the plural, use of any gender is deemed to include every gender and any reference to a person includes a corporation, a partnership and any other body or entity, and vice versa. Use of the words, includes or including or similar words or phrases means without limitation and the use of these or similar words or phrases shall not limit the meaning of the general words.
30. Promotions
Caura occasionally offers promotions / rewards to new and existing users (for example, for inviting friends to Caura, or purchasing certain services from time to time).
Only eligible users who meet the requirements of the offer shall be entitled to receive any rewards
Caura reserves the right to:
You cannot abuse any reward or promotional offer in any way - Caura rewards the right to decide if you are deemed to have abused the offer or reward. If you are suspected of abusing any rewards or promotional offers, your eligibility to any rewards will be nullified and we may suspend or delete your account.
30a. November 2022 Referrals giveaway
31. AutoPay
What is AutoPay?
Caura’s AutoPay is a feature that checks with the relevant provider if you have driven into any of the relevant charging zones*, notifies you that you drove in the zone, and automatically takes payment from the registered payment card on your account. When you join, you join the Caura Fleet.
*The relevant charging zones for AutoPay are the London Congestion Charge (CC), the Ultra-Low Emission Zone (ULEZ) charge, and the Low Emission Zone (LEZ) charge. We may add new charging zones from time to time.
Setting it up
To use AutoPay, you will need to set up a valid payment card which you authorise Caura to take payment from for each journey you make into London. You are legally liable for any and all charges assigned to the vehicle you have registered on AutoPay.
If you sign up to Caura’s AutoPay you must pay a refundable pre-authorisation charge. This charge is to verify your payment method for use for AutoPay and will be returned to your bank account.
You are solely responsible for updating the compliance status of your vehicle. If your vehicle is incorrectly listed, this is not the responsibility of Caura and you will need to contact TfL to update the compliance status. If your vehicle is charged despite being compliant, Caura will be unable to refund you.
You must be the registered keeper of the vehicle you have registered, or you have the explicit consent of the registered keeper to set up AutoPay.
It is your responsibility to cancel AutoPay if you sell the vehicle or change the registration plate of the vehicle. You are liable for any charges that come through up to and including the date of cancellation, even if you are not the registered owner of the vehicle.
You will be registered on AutoPay from the “Active From” date, any journeys made before this date will need to be paid for manually, and Caura takes no liability for charges for these journeys. You can see the “Active From” date in-app within City Charges.
It is your responsibility to check whether you are exempt from, or liable for, the relevant charges before you set up AutoPay.
We may decline to set up your AutoPay for any reason, in particular if you have a poor credit rating or payment history with us. If your AutoPay setup is delayed or aborted, we are not responsible for any penalty charges that you receive.
Security Deposit
We may ask you to pay a security deposit before we set up AutoPay. In that case, we won’t be able to set up AutoPay until we have received the security deposit in full. Your AutoPay won’t become active until the day after we have received the security deposit in full.
The amount of security deposit we ask for will depend on your circumstances. For example, the number of cars you would like to set up AutoPay for and your payment history with us.
We can also ask for a security deposit if you have previously accumulated debt on your account with us, and we will require all outstanding charges to be repaid before setting up AutoPay.
We can also block you from setting up AutoPay with us until any outstanding balance is repaid.
A security deposit may be repaid once you have established a good payment history with us.
If you have paid a security deposit to us, we can use that security deposit to pay off any outstanding charges you owe to us at any time.
Payment and charges
To use AutoPay, you will need to set up a valid payment card which you authorise Caura to take payment from for each journey you make into London. You are legally liable for any, and all charges assigned to the vehicle you have registered on AutoPay
If you fail to pay within 3 days of being notified of a charge, we may cancel your AutoPay account and you will need to pay London CC/ULEZ charges manually. You may be suspended from setting up an AutoPay account on Caura again
Payment will be taken automatically from the payment card you set up and we will continue to try to take payment for failed charges each day
If you fail to make payment and the Caura team needs to chase you - a £10 administration charge may be applied on top of the value of outstanding charges
Payment will be taken automatically from the payment card you set up and we will continue to try to take payment for failed charges each day
If you wish to change the payment card that your payments are taken from - please contact the Caura team through the in-app messenger or at support@caura.com
You are bound by Transport for London terms of use, some of the terms here may supersede the terms above.
We are not responsible for refunds for incorrect charges. If there is an incorrect charge on your account, we will contact TfL on your behalf, but we are not responsible for their decision.
If you don't pay your AutoPay charges we will cancel your AutoPay. We will retry payment and if this fails, we will send you an invoice for the outstanding charge(s).
If you have failed to make a payment within 10 working days of us asking you to either through the in-app messenger or over email then we reserve the right to charge a late payment penalty of £10 for the first missed payment and £20 for each subsequent missed payment to cover the administrative costs of recovering outstanding payment. This amount will be added to the debt on your account.
We may charge you interest on your debt if it remains unpaid after 14 days. Any interest will be charged at a yearly rate of 4% above the Bank of England base rate. This amount will be added to the debt on your account.
If your outstanding payments are not paid within 30 days, we can charge you £80 per outstanding payment.
Termination
You may cancel your AutoPay registration at any time
32. Refer-a-Friend programme
An existing Caura user (the “referrer”) can invite a new user (the “referee”) to Caura, using their own unique invite code. If the referee meets the eligibility criteria, the referee and referrer are awarded a referral reward in the form of in-app credits, which they can apply as a discount to a vehicle insurance purchase in the Caura app. The following rules have to be met:
Eligibility and awarding of credits
Use of credits
Promotion of links
Programme discretion
Suspension of the referral programme
If you create any tax liabilities as a result of your usage of the referral programme then you are liable for any and all tax liabilities, Caura bears no responsibility for any liability you create.
33. Caura Maintain
What is Caura Maintain?
Caura Maintain is a service that will allow existing Caura users to book an MOT, service or vehicle repair with a third party booking service*, either through the app or a link sent by Caura to a Caura user. By using the service of a third party booking provider, you agree to follow their Terms & Conditions and Privacy Policy. Logos of third parties are trademarks of their respective owners and are not affiliated with Caura in any way.
Any data related to the use of this service may be collected by Caura.
*Caura reserves the right to change third party providers at our discretion without notice to users.
Booking requests
Payment
Bookings
34. Airport Parking
Booking Airport Parking
Inventory
Caura is not responsible for any changes made by the Provider to their car park inventory, or any changes the Provider may make to existing bookings.
Amendments and Cancellations
Vehicle Safety
Caura facilitates the booking of airport parking services. The safety and security of your vehicle is not the responsibility of Caura and you should refer to the Provider's Terms and Conditions for details on vehicle safety measures and liability.
User Responsibilities
You agree to use the App responsibly and in accordance with all applicable laws and regulations. You are responsible for providing accurate and up-to-date information when booking airport parking through the App.
Changes to Terms
35. Insurance
Caura has partnered with MoneySuperMarket to provide users access to car insurance quotes for their vehicle. Caura acts as an introducer to MoneySuperMarket services.
If you have a policy with Caura from before January 10th 2024, please refer to our Insurance Terms of Business.
Acceptance of Terms
By using the service provided through our App, you acknowledge that you have read, understood, and agree to abide by these Terms and any additional terms and conditions imposed by MoneySuperMarket. You can find their terms here.
If you do not agree to these Terms or the Comparison Service's terms and conditions, you should refrain from using the service.
Eligibility
You must be at least 18 years old and capable of forming a legally binding contract to use the car insurance comparison service.
Third-Party Comparison Service
Accuracy of Information
No Guarantee
Privacy and Data Security
No Endorsement
Termination
We reserve the right to terminate, suspend, or restrict your access to the car insurance comparison service at our discretion and without notice, for any reason, including but not limited to violations of these Terms.
Changes to Terms
We may update or modify these Terms at any time without notice. It is your responsibility to review these Terms periodically to stay informed of any changes.
Complaints
If you have a reason to make a complaint you can contact us in-app or via email to insurance@caura.com.
You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0800 0234 567 and further information is available at the Financial Ombudsman. If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected. Please take some time to review our complaints procedure which is available on our website.
Contact Us
If you have any questions or concerns regarding these Terms or the car insurance comparison service, please contact us at insurance@caura.com.
By using our App and accessing the car insurance comparison service, you acknowledge that you have read, understood, and agree to these Terms and any additional terms and conditions imposed by the Comparison Service. Your use of the service is subject to compliance with all applicable laws and regulations.
36. Excess Protection Insurance Offer
Caura is offering a free £500 excess protection insurance policy (the “Excess Protection Offer”) to any eligible customer who purchases a verified car insurance policy through Caura. Eligibility requirements, Excess Protection Offer terms are outlined below. Please contact support@caura.com if you have any further questions.
Introduction
These terms and conditions govern the Excess Protection Offer provided by Caura to customers that purchase an annual car insurance policy through Caura.
The excess protection insurance policy is administered and managed by Legal Protection Group Limited, registered in England and Wales, company number 10096688.
Legal Protection Group Limited (firm reference number 749446) is an appointed representative of Riviera Insurance Services Limited (firm reference number786116). Riviera Insurance Services is authorised and regulated by the Financial Conduct Authority.
The insurance is underwritten by Alwyn Insurance Company Limited, P.O. Box 1338, First Floor Grand Ocean Plaza, Ocean Village, Gibraltar. Registered in Gibraltar, number 106261. Authorised and regulated by the Gibraltar Financial Services Commission.
The excess protection insurance policy is subject to the terms and conditions of Legal Protection Group Limited, Riviera Insurance Services Limited and Alwyn Insurance Company Limited. Customers must read and agree to them in order to exercise the offer.
By opting in to receive the Excess Protection Offer you will be deemed to have accepted and agreed to be bound by these terms and conditions.
Caura reserves the right to amend, withdraw, cancel or suspend the Excess Protection Offer at any time.
Eligibility
The Excess Protection Offer is only applicable to customers who have purchased an annual car insurance policy through Caura on or after 29th March 2024 (the “Offer Commencement Date”), and the policy has subsequently been verified by Caura (a “Verified Policy”).
A car insurance policy purchased through Caura becomes a Verified Policy if and only if you have uploaded your insurance documents to Caura (either in-app or to insurance@caura.com) and you have received confirmation in writing that we accept this proof of purchase.
You must also activate your excess protection insurance policy - details of how to do this are shown in-app and in the section below.
If your Verified Policy is cancelled for any reason then Caura will cancel your free excess protection policy. It is your responsibility to notify Caura of the cancellation of your Verified Policy and your ability to claim against your excess protection policy may be impacted if you do not notify Caura of the cancellation of your Verified Policy.
The Excess Protection Offer is only available to customers who are:
The vehicle must be registered by the DVLA and have no more than 7 seats, including the drivers seat.
The Excess Protection Offer will only be available to the first 10,000 eligible customers who purchase a Verified Policy on or after the Offer Commencement Date.
By participating in the Excess Protection Offer, you agree to be bound by these terms and the terms of Legal Protection Group Limited, Riviera Insurance Services Limited and Alwyn Insurance Company Limited.
Activating the Excess Protection Offer
Once you have purchased a car insurance policy through Caura, you must activate your £500 excess protection insurance policy. To do this you must forward your insurance policy documents to us within 30 days of your car insurance policy start date. This can be done either by uploading them in-app, or emailing them to insurance@caura.com. Once we have received these documents and approved them you will be deemed to have purchased a Verified Policy.
If you fail to provide your policy documents within this timeframe, the Excess Protection Offer will lapse and you will no longer be eligible to activate the policy, or able to access any of its benefits.
If we cannot verify your purchase of a car insurance policy through Caura, you will not be eligible for the Excess Protection Offer. Verification is based on the accurate and timely submission of your car insurance policy documents and any additional information we may request for the purpose of verification from time to time.
Claims
In the event of a claim under your Verified Policy where an excess payment is required (the “Insured Incident”), you must first pay your Verified Policy excess to the insurer and then claim against your excess protection insurance policy.
Following an Insured Incident, the insurer will reimburse your excess up to the maximum policy limit identified in your policy schedule. You will be required to prove that the claim on your Verified Policy has been successful, and that you have paid the excess on the Insured Incident.
The excess protection insurance policy will only pay out if your claim amount on the Insured Incident is greater than the total excess payable under your Verified Policy.
For example, if your Policy compulsory excess is £200 and your voluntary excess is £100, your total excess is £300. You can only make a claim against your excess protection policy if the total claim amount on your Insured Incident exceeds £300. If your claim is less than £300 then you cannot claim against this excess protection policy. You must first pay your excess to the insurer of your Verified Policy, and then claim this back.
You can claim against this excess protection policy as many times as you want in a given year, but the policy will only pay out to a maximum of £500 against your paid excess in a given year. You are only covered for the duration of your Verified Policy. You are not covered for windscreen and glass replacement.
To claim under the excess protection, you must contact Legal Protection Group Limited directly, following their claims process. Proof of excess payment and any other documentation required by Legal Protection Group Limited must be provided to them.
You must read the full terms and conditions for a full list of what you are and are not covered for.
Complaints
Any complaints about the way this free excess protection insurance was sold should be directed to insurance@caura.com by email.
Any complaints about the about the handling of any claims should be directed to the Legal Protection Group using the following contact details:
Email: complaints@legalprotectiongroup.co.uk
Phone: 0333 700 1040 (lines are open Monday to Friday 9am to 5pm)
Post: Customer Service Department, Legal Protection Group Limited, 8 Pinkers Court, Briarlands Office Park, Gloucester Road, Rudgeway, Bristol BS35 3QH
37. Image Credits
We'd like to thank and credit the authors of the images used in Caura's website and mobile app.
Airport Parking Images:
Background Images:
