PLATINUM

Cover & Benefits
A combination of both our Silver & Gold cover. Platinum cover provides you with a peace of mind package in the event of death, disability or unemployment.

Who is likely to be at risk
Anyone with a finance agreement on a vehicle who does not wish to burden their family or next of kin with clearing the outstanding balance in the unfortunate event of their death.

• Anyone reliant on the use of their vehicle
• Anyone who would require a car to seek further employment
• Higher wage earners in a family
• People with volatile professions
• Dangerous occupations
• Extreme or physical sports/hobbies
• High mileage drivers
• No or little employer benefits
• Anyone who would prefer not to use their savings

Exclusions
• Death as a result of a pre-existing condition for which advice, treatment or counselling has been sought from any doctor during the 12 months immediately before the commencement date
• Death as a result of war, terrorism or radiation risk
• Suicide, alcohol or drug use
• Any claims where unemployment was known to be impending at inception
• Any claims for unemployment arising or becoming known about in the first 90 days
• Seasonal, casual or fixed term contracts
• Resignation or acceptance of voluntary unemployment
• Self inflicted injury, or as a result of elective or cosmetic surgery
• Normal pregnancy, abortion, miscarriage
• Sexually transmissable diseases

For full terms and conditions please see the Policy Summary and Policy Document. Copies available on request.

Life Insurance is underwritten by Sterling Life Ltd. Accident, sickness and involuntary unemployment is underwritten by Hitachi Capital Insurance Europe Limited. This policy may be cancelled within 30 days of receiving your certificate of Insurance.

All information correct at time of publication November 2008.