GENERAL TERMS AND CONDITIONS

Your Policy is made up of Your Policy Schedule and these General Terms and Conditions, both of which you will receive by email upon the purchase of this Tyre Insurance policy. These can also be accessed at any point in time via the My Account area after Your purchase.

This Product is being sold directly by PSA Insurance Ltd, via an online platform.

Your Policy Schedule provides details of Your cover, the Tyres You have chosen to insure and when the cover will begin and end. Please make sure that at any point in time the details are correct.

Please read this Policy carefully and make sure You understand and fully comply with its terms and conditions as failure to do so may jeopardise the payment of any claim which might arise and could lead to the Policy becoming void.

Tyre Insurance is an insurance, meaning that You are covered for any cause resulting in the insured event described in Section D. What are You covered for, except for those events specifically excluded in section F. What is NOT covered and in section G. General Exclusions list of this Policy.

The Policy You have subscribed to is effective from the date You clicked on “Pay Now” and You are covered for the Period of Insurance stated in Your latest Policy Schedule.

PSA Insurance Limited: The Insurer, a company authorised by the Malta Financial Services Authority to carry on business of insurance under Registration no. C44567 and operates in Italy through the freedom of services regime. Registered Office: MIB House, 53, Abate Rigord Street, XBX1122 Ta’ Xbiex, Malta.

AND

You: The subscriber and Insured Person named in this Policy and who has satisfied all the following Eligibility Criteria required during the subscription process:

• You have bought new Tyres or a New Vehicle within the last 30 (thirty) days of purchasing this Policy;
• You are a resident in Italy;
• Your New Vehicle is for private use and Your Tyre/s will be or is/are for private use.

The words or expressions detailed below have the following meaning wherever they appear in this Policy and will appear in Bold.

Accidental Damage: Means any total or partial damage to the insured Tyre/s, caused by external means and which inhibits their use. Theft and vandalism are also included.

Alloy Wheel/s: The Alloy Wheels that are of original specification of Your vehicle and that were present on Your vehicle at the time You purchased the vehicle.

We will not cover the costs resulting from any Accidental Damage caused by or resulting from:

G.1. Car Accidents;

Additionally, we will not cover You:

You must comply with the following instructions to have the full protection of Your Policy. If You do not comply with them, We may refuse to deal with Your claim.

H.4.1. A copy of the original receipt/s of purchased Tyre/s or vehicle registration certificate in the event You are insuring the Tyre of a New Vehicle;

H.4.2. A copy of the original receipt/s of the replacement Tyre/s;

H.4.3. An attestation from an Authorised Repairer stating that/whether:

• the tyre/s cannot be repaired in the event of a replacement claim;
• Bill of repairs in the event of a repair claim for Tyre/s and or Alloy Wheels if claiming for Alloy Wheel repairs under option Premium;
• Possible cause of damage and nature;
• There is the need (or otherwise) to replace the second wheel on the same axle, also signed by the client.

H.4.4. Photos of damaged Tyre/s and/or Alloy Wheels.

Prior to the acceptance of any Claim under this policy, We reserve the right to request any additional document deemed necessary to verify Your claim.

H.5. We hereby undertake to pay You the indemnity to which You are entitled within thirty (30) days of the date of receipt of the notification, provided that You have provided us with all the supporting documentation required in list H.3 above, and that Your claim is covered.

I.2. Servicing Requirements

All reasonable steps must be taken to avoid any Accidental Damages to Your Tyres and/or Alloy Wheels.

I.3. Fraud

You must not act in a fraudulent manner. If You, or anyone acting for You:

• Make a claim under the Policy knowing the claim to be false, or fraudulently exaggerated in any respect; or
• Make a statement in support of a claim, knowing the statement to be false in any respect; or
• Submit a document in support of a claim, knowing the document to be forged or false in any respect; or
• Make a claim in respect of any loss caused by Your wilful act, or with Your connivance.

Then:

• We shall not pay the claim;
• We shall not pay any other claim which has been made or will be made under the Policy;
• We may at Our option declare the Policy void;
• We shall be entitled to recover from You the amount of any claim already paid under the Policy;
• We shall not make any return of Insurance Premium;
• We may inform the police of the circumstances.

 I.4. Duty of Disclosure

The Policy has been issued based upon information, which You have given Us about Yourself, and Your Tyres. You have a duty to tell Us of any change to this information, including, but not limited, any circumstances that determine an increase of the risk; - failure to do so may invalidate Your cover under this Policy [1]. We will then advise You of any change in terms. You must notify Us of any change in the information You provided to us within ten (10) days of You becoming aware of the change.

I.5. The Law Applicable to this Policy

Unless some other law is agreed in writing, this Policy is governed by Italian law. If there is a dispute, it will only be dealt with in the courts of Italy.

 I.6. Statute of Limitations

All legal actions arising under an insurance contract are barred by limitation of two (2) years after the event that gave rise to them [2]. The limitation is dictated by the Law in - Italy and as such neither We nor You can change the term or the causes of suspension to this period.

However,

Where Your action against the Insurer is the result of a right of remedy exercised by a third party, the limitation period shall run as from the date on which the said third party brought legal action against You or was compensated by the Insured.

The limitation period is interrupted by any of the ordinary causes of interruption of the limitation period. The limitation period may also be interrupted by the dispatch of a registered letter with acknowledgement of receipt or email, forwarded by the Insurer to the Insured where it concerns action for payment of the Insurance Premium, and by the Insured to the Insurer where it concerns payment of the indemnity.

J.2. Payment

Your premium will be paid upfront by the method of payment chosen during subscription.

 J.3. Renewal

This policy has no renewal option and this Policy will therefore be automatically terminated at the end of the Period of Insurance.

This Policy is subject to Italian law.

For any request related to this Policy, You may contact Us by using the form accessible in the complaints section of the website: www.psa-insurance-solutions.it/complaints.

We hereby undertake to acknowledge receipt within ten (10) working days and to deal with Your complaint within fifteen (15) days of receipt of all the documents necessary in order to examine the same.

If You are not satisfied with the response given by Us to Your complaint, You may:

• Refer the dispute in writing to the competent Italian Court, namely the Court of the place where You have residence. 
• Refer the dispute in writing to the Office of the Arbiter for Financial Services (OAFS) on https://www.mfsa.mt/consumers/complaints/?ver=10000 and submit the forms explained in the above-mentioned website;
• Refer the case to the IVASS (Istituto per la Vigilanza sulle Assicurazioni) based in Rome 00187, via del Quirinale n. 21 (website: www.ivass.it)

At any point in time, You retain the right to refer any dispute related to this Policy to the Italian courts.

During the online subscription, You consent and agree freely and without reservation to the personal data process done by Us.

We inform You that Your data is collected by PSA Insurance Limited, identified as Data Controller, and processed by PSA Insurance Manager Limited, under the brand name PSA Insurance Solutions the Data Processor. The data collected is processed for the following purposes: (i) the conclusion, management and execution of Your insurance contracts, (ii) the fight against money laundering (iii) combating insurance fraud, and (iv) analysing Your data and cross-referencing it with those of our partners to improve our products and services.

Your data, which is kept for the duration necessary for this processing which will not exceed 10 years starting from the final Expiration Date or the last communication with the client depending on which event occurs last.

We inform You that, when taking out an Insurance Policy, the answer to certain questions is mandatory. In the event of false declarations or omissions, the consequences for You may be the nullity of Your contract or the reduction of the indemnities paid.

You have the right to access, rectify, delete Your data, the right of portability of Your data, as well as a right of limitation and opposition to processing. You may exercise Your rights by sending an email to psainsurance-privacy@mpsa.com or by writing to Data Protection Officer, PSA Insurance, 53, MIB House, Abate Rigord Street, Ta’ Xbiex, XBX1122, Malta.

You also have the right to lodge a complaint with the competent national supervisory authority.

The conclusion of the Insurance Policy on the website www.psa-insurance-solutions.it represents the supply of a service consisting of a remote insurance transaction [5]. You can communicate and receive the relevant insurance documentation from Us in Italian and/or English.

A service consisting of a remote insurance transaction is said to have been supplied whenever insurance transactions are supplied to an Insured, who is a natural person not acting in any commercial or professional capacity, as part of a system for remote selling or provision of services organised by the Insurer or insurance intermediary who, for this particular Policy, uses remote communication technology only, and this up until, and inclusive of, the conclusion of the Policy.

This Policy was purchased on PSA Insurance Manager Ltd. website following Your review and acknowledgement of all the necessary pre-contractual information.

By choosing to purchase the Policy online, You agree to use electronic means for the conclusion and maintenance of Your Insurance Policy [6]. 

To connect to Your My Account area, You must use the user name that You selected and Your password. It is up to You to ensure that this information remains confidential and to safeguard the security of Your account. To do so, You must keep this information confidential, log off after every session and change Your password regularly.

Furthermore, by agreeing to an electronic relationship, You have expressly agreed to the receiving correspondence from Us by email. The email address that You gave may be used for the dispatch of such letters. Thus, You undertake: (i) in case You change Your email address, to inform us as soon as possible by changing Your personal contact details in Your My Account area; (ii) to regularly check the messages sent to this email address.

We shall moreover maintain the electronic documents for the entire statutory document maintenance period. You may therefore, during this period, ask us to forward these documents in electronic format to You by contacting our services https://www.psa-insurance-solutions.it/richieste.

Documentary evidence agreement

You hereby acknowledge:

• That the receipt of Your Policy in an electronic email sent to the email address that You have provided, indicating the fact that Your Policy was signed electronically, and have been made available in My Account area is the equivalent of the submission of the said documents.
• That the fact that the documents are downloadable in PDF format and printable means that the character of the medium thus communicated meets the criteria of integrity and durability as required by law.
• That the identification resulting from the declaration of Your identity, address and email address equates to identification [7].
• That in case of any dispute, the data transmitted by You and the electronic certificates and signatures or exploitation of the log used in the context of the digital services are admissible to the courts and will provide evidence of the data and facts that they contain and of the signatures and authentication procedures expressed by them;
• That in case of any dispute, the time stamps or exploitation of the log are admissible to the courts and provide evidence of the data and facts that they contain. Evidence of the connections made by You and of other elements of identification or actions taken by You will be established as and when necessary with the aid of the connection logs and of the computer records retained for such purposes.

You hereby expressly acknowledge the fact that by having clicked on the buttons “PROCEED TO PAYMENT” and on "PAY NOW":

• You provide Your consent to the contents of Your Policy.
• You confer the same legal value to Your Policy, as a document signed by hand [8].