The cover you have.
Your schedule shows you what cover you have. The different types of cover are listed below. Find the cover you have and see the sections that apply.
The general terms, conditions and exceptions apply to all sections of the insurance.
The insurance only covers your vehicle if it is being used in the way specified in your certificate of motor insurance or endorsement.
The following uses are not covered.
Section 1 - Liability to others
Driving your vehicle
We will insure you for all the amounts you may be legally liable to pay for:
Driving other cars
We will also provide the cover shown above (if this is specified in your certificate of motor insurance), to drive any private car that you do not own and have not hired under a hire purchase or leasing agreement, as long as you have the owner’s permission to drive the car.
You are not insured against the following:
The following people are also insured:
We will pay up to £20,000,000 for damage to property for any one claim or claims arising out of one incident. The most we will pay for costs and expenses rising from property damage is £5,000,000 for any one claim (or claims) arising out of one incident.
If there is a property damage claim made against more than one person covered by this insurance, we will first deal with any claim made against you.
If your certificate of motor insurance allows business use, we will insure your employer or business partner or your husband, wife, or civil partner’s employer or business partner, against the events shown above under ‘Driving your vehicle’ while you or your husband, wife or civil partner are working for that employer or partner, but not while using a vehicle provided by the employer or partner unless that vehicle is shown in the schedule.
Legal personal representatives
After the death of anyone who is covered by this insurance, we will deal with any claim made against that person’s estate, cover will be provided for a legal representative, provided that the claim is covered by this insurance.
Costs and expenses
If we first agree in writing, we will pay:
We will only pay these legal fees if they arise from an accident that is covered under this insurance.
Emergency medical treatment
We will pay for emergency medical treatment that is needed after an accident involving any vehicle which this insurance covers.
If this is the only payment we make, it will not affect your no claim bonus. (We must provide this cover under the Road Traffic Acts.)
European Union (EU) (Compulsory cover)
We will provide the minimum insurance needed by the relevant law to allow you to use your vehicle:
The full cover will automatically apply, for up to 60 days, when you travel to a country within the European Union, Norway, Switzerland (including Liechtenstein), Andorra, Croatia and Iceland. If you are travelling to any other country and you need the full cover shown in the schedule, you must tell us in writing and pay an extra premium for the cover (see Section 8 - Foreign use).
Under this section we will insure you while any vehicle covered by this insurance is towing a caravan, trailer or a broken-down vehicle (as allowed by law).
We will not pay any claim arising from the following:
We will only provide cover if:
the caravan, trailer or vehicle is properly secured to your vehicle by towing equipment manufactured for the purpose; and
the method of towing the caravan, trailer or vehicle stays within the manufacturer’s recommended towing limits and any other relevant law.
Exceptions to Section 1
This section of your insurance does not cover the following.
Section 2 - Loss of or damage to your vehicle
This cover only applies to your vehicle
We will insure your vehicle against loss or damage (less any excess that applies) caused by:
Your vehicle’s spare parts and fitted accessories are insured in the same way (this includes the makers tool kit and the vehicles safety equipment). We only provide this cover if the spare parts and accessories are only used with your vehicle, are kept in or on your vehicle and fall within the maximum amount we pay. Permanently-fitted audio, visual, satellite navigation and telephone equipment is also insured against loss or damage, but we will only pay the market value of the equipment at the time of the loss or damage. The most we will pay is £500 if you have comprehensive cover and £400 for third party, fire and theft cover (less any excess that applies) for items which are not the manufacturers standard fitted equipment. We will not pay for loss of or damage to cassettes, compact or mini discs, dvd’s or accessories used with the audio, visual, satellite navigation or telephone equipment.
For a claim under this section we may either:
The most we pay will be either:
We will not pay the cost of any repair or replacement which improves your vehicle or accessories to a better condition than they were in before the loss or damage. If this happens you must make a contribution towards the cost of repair or replacement.
Transport after an accident
If your vehicle cannot be driven after an accident, we will pay the reasonable cost (where necessary) of taking your vehicle to a repairer near to your vehicle’s location, and returning it after the repair to your last known address. Do not attempt to move the vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of attempts to move your vehicle, we will not pay any extra cost arising from that damage.
If your vehicle can be driven safely and is damaged in a way which is covered by this insurance, you should report the accident by calling the telephone number on page 5 of this policy book.
An accident report form will be sent to you (if required by your Insurer) for completion. If you are not using one of our approved repairers you must also send two estimates from different garages so that we can decide on a suitable repairer. We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with the repairer over costs. All repairs are guaranteed for three years provided they are carried out by one of our approved repairers.
Total loss (write-off)
If your vehicle is considered to be a write-off (if the cost of repairs is greater than the market value of the vehicle), we will offer you an amount as compensation. This insurance for your vehicle will end when you accept that offer. If we ask, you must return the certificate of motor insurance and the schedule before we pay the compensation. The vehicle then becomes our property. We may decide to let the insurance continue on a replacement vehicle.
If the insured vehicle belongs to someone else, or is part of a hire purchase or leasing arrangement, we will normally pay the vehicle’s legal owner an amount for the total loss of the vehicle.
Windscreen damage (comprehensive cover only)
You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors, whether glass or plastic. The excess that you will have to pay is shown on your schedule. If we pay under this part, this will not affect your no claim bonus.
New car replacement
If your vehicle is less than one year old from the date of you buying it new and it is either:
If an excess is shown in the schedule, you have agreed to pay that amount for each incident of loss or damage.
Extra excesses for young or inexperienced drivers
If your vehicle is damaged while a young or inexperienced person (including yourself) is driving you will have to pay the first part of the cost as shown below. This is on top of any other excesses which you may have to pay.
You will not have to pay the amounts shown above if the loss or damage is caused by fire or theft.
When your vehicle is being serviced
The cover provided under this section will still apply when your vehicle is being serviced or repaired. While the vehicle is in the hands of the motor trade for a service or repair we ignore any restrictions on driving or use (as shown in your certificate of motor insurance).
Loss of or damage to other vehicles
We will not cover loss of or damage to any vehicle which you are driving or using, which does not belong to you, is not being bought by you under a hire purchase agreement or is leased to you (unless that vehicle is shown in the schedule).
Exceptions to Section 2
This section of your insurance does not cover the following.
Loss of or damage to your vehicle or its contents by theft or attempted theft or an unauthorised person taking and driving it if:
Section 3 - Medical Expenses
(Comprehensive Cover Only)
We will pay up to £500 per person for the medical expenses of anyone who is injured while they are in your vehicle as a result of an accident involving your vehicle.
Section 4 - Child Seat Cover
(Comprehensive Cover Only)
If you have a child seat fitted in your vehicle and your vehicle is involved in an accident or damaged following a fire or theft, we will pay up to £100 per child seat towards the cost of replacement even if there is no apparent damage, subject to you making a claim under Section 2 of your policy. The excess shown in the schedule does not apply to a claim under child seat cover.
Section 5 - Replacements Locks
(Comprehensive Cover Only)
If the vehicle keys or lock transmitter of your vehicle is lost or stolen we will pay up to £300 for the cost of replacing:
Your no claim discount will not be disallowed solely as a result of a claim under this section.
The excess shown in the schedule does not apply to a claim for replacement locks.
Section 6 - Personal accident benefits
(Comprehensive Cover Only)
If you, your husband, wife or civil partner accidentally receive an injury or is killed while travelling or getting in to or getting out of any private motor vehicle we will pay the following :
We will make the payment to you or your legal personal representative.
This personal accident benefit does not apply:
Section 7 - Personal Belongings
(Comprehensive Cover Only)
We will pay up to a total of £150 for personal belongings in or on your vehicle if they are lost or damaged because of an accident, fire, theft or attempted theft.
This personal belongings cover does not apply to:
Section 8 - Foreign Use
We will automatically provide cover when you visit any country which is a member of the European Union, Norway, Switzerland (including Liechtenstein), Andorra, Croatia and Iceland. There is no limit on the number of trips you make in any period of insurance but each trip must be for no more than 60 days.
This cover only applies if:
This insurance is extended to apply to claims occurring:
If your vehicle suffers any loss or damage covered by this insurance, and the vehicle is in any country which we have agreed to provide cover for, we will do the following:
No claim bonus
If you or anyone else does not make a claim under this insurance, we will discount your renewal premium in line with the scale of no claim bonus which applies at the time. Please note there is no guarantee your premium will not increase, If you would like information on the no claim bonus which applies or how your no claim bonus may be affected following a claim, you should contact your Administrator. If more than one vehicle is covered by this insurance, we will assess the no claim bonus for each vehicle.
Protected no claim bonus
If you have protected bonus this will be shown on the schedule however the Insurers retain the right to increase your premium or impose special terms. Your no claim bonus cannot be transferred to another person.
If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your no claim bonus.
Emergency medical treatment
Any payments we make for emergency medical treatment will not affect your no claim bonus.
Payments for journeys (car sharing)
You can accept payments from passengers in your vehicle if you are giving them a lift for social or other similar purposes. Accepting these payments will not affect your insurance cover if:
If you change the vehicle covered by this insurance, or get an extra vehicle which you want cover to apply to, you must tell us and we must agree before cover can start. (We may ask you to return your certificate of motor insurance.)We will give you advice on any change in premium and we will send you a new schedule confirming our acceptance.
If you do not need any further insurance cover, as long as you return the certificate of motor insurance to us, the cover will automatically end.
These general exceptions apply to the whole insurance.
Your insurance does not cover the following:
1. Any liability, loss or damage arising while any vehicle covered by this insurance is being:
2. Any liability, loss or damage that is covered by any other insurance.
3. Any liability, loss or damage that occurs outside the United Kingdom (apart from when travelling in a member country of the European Union, Norway, Switzerland (including Liechtenstein), Andorra, Croatia and Iceland or unless you have paid an extra premium to extend your cover outside the United Kingdom). (see Section 8 - Foreign use.)
4. Any liability you have accepted under an agreement or contract unless you would have had that liability anyway.
5. Any result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, or military or usurped power (except where we need to provide cover to meet the minimum insurance required by the relevant law).
6. Direct or indirect loss, damage or liability caused by, contributed to or arising from:
riot or civil commotion occurring in Northern Ireland or outside the United Kingdom, Isle of Man or the Channel Islands (except where we need to provide cover to meet the minimum insurance required by the relevant law);
ionising radiation or contamination from any radioactive nuclear fuel, or from any nuclear waste from burning nuclear fuel;
the radioactive, toxic, explosive or other dangerous property of any explosive nuclear assembly or nuclear part of that assembly;
carrying any dangerous substances or goods which you need a licence from the relevant authority for (except where we need to provide cover to meet the minimum insurance required by the relevant law); or
pressure waves caused by aircraft and other flying objects.
7. Any proceedings brought against you, or judgment passed in any court outside the United Kingdom, unless the proceedings or judgment arises out of your vehicle being used in a foreign country as permitted under Section 8.
8. Any liability for death, injury, illness or loss of or damage to property, arising directly or indirectly from pollution or contamination, unless it is directly caused by an event which is sudden, identifiable, unintended and unexpected. The whole event must happen at a specific time and place during the period of the insurance. We will treat all pollution or contamination arising from one incident as having happened at the time of the incident. This insurance does not cover claims arising from pollution or contamination which happen as a result of deliberately releasing substances, or as a result of leaks from your vehicle caused by a failure to properly maintain it. This exception does not apply where we need to provide the minimum level of cover necessary by law.
1. We will only provide the cover described in this insurance if:
2. Your premium is based on the information you supplied at the start of the insurance and when it is renewed. If you have failed to give us complete and accurate information, this could lead to your claim being denied or the insurance not being valid.
3. If a claim is made which you or anyone acting on your behalf knows is false, fraudulent or exaggerated, we will not pay the claim and cover under this insurance will end.
4. After any loss, damage or accident you must give us full details of the incident, by telephone, as soon as possible.
You must send every communication about a claim (including any writ or summons) to us without delay and unanswered. You must also tell us if you know about any future prosecution, coroner’s inquest or fatal accident inquiry involving anyone covered by this insurance. You must not admit to, negotiate on or refuse any claim unless you have permission from us.
5. All reasonable steps must be taken to protect your vehicle from loss or damage and to maintain it in an efficient and roadworthy condition. We must be allowed to examine your vehicle at any reasonable time.
6. We can:
7. If we accept your claim, but disagree with the amount due to you, the matter may be passed to an arbitrator who we both agree to. When this happens, the arbitrator must make a decision before you can start proceedings against us.
8. If, under the law of any country which this insurance covers you in, we must settle a claim which we would not otherwise have paid, we may recover this amount from you or from the person who made the claim.
9. If you have agreed to pay your premium by instalments by arrangement with your Administrator, the following will apply:
1. We or your Administrator may cancel this insurance by sending seven days notice, in writing, to your last known address (and in the case of Northern Ireland also to the Department of the Environment, Northern Ireland). You must promptly return your certificate of motor insurance. We will refund the part of your premium which applies to the period of the insurance left on your policy.
2. You may cancel this insurance at any time by telling us and sending back your certificate of motor insurance and the schedule. If you have not made a claim in the current period of insurance, we will work out the charge for the time you have been covered by your insurance. We will then refund any amount we owe you. If a claim has been made, you must pay the full premium for the year and we will not make any refund.
Cooling off period
If you cancel within the first 14 days of the policy, or within 14 days of you receiving the insurance documents if this is later, known as the ‘statutory cooling off period’ we will return any premium paid. We will take off a charge and an amount of £15 (plus insurance premium tax) for the number of days for which we have provided cover. We will not refund your premium if you have made a claim for total loss. If you do not exercise your right to cancel your policy in the statutory cooling off period, it will continue in force and you will be required to pay the premium.
You must tell us as soon as possible about any changes which affect your insurance and which have occurred since the insurance started or since the last renewal date. An administration charge will be added to any premium due or deducted from any refund due in respect of any amendment to your policy. These charges will be subject to Insurance Premium Tax where applicable. Details of our charges are shown on the ‘About Our Insurance Services’ document in your policy pack. If you are not sure whether certain facts are relevant, please ask your Administrator. If you don’t tell us about relevant changes, your insurance may not cover you fully, or at all.
Here are some examples of the changes you should tell us about.
Important - This appendix forms part of the insurance.
An endorsement only applies if the endorsement’s number is shown in the relevant place in your schedule. Details of all endorsements are either shown in this appendix or are supplied with your schedule. If an endorsement number in the schedule is followed by an amount, the specified endorsement will be limited to the amount shown. If an endorsement number is followed by a vehicle registration number, the specified endorsement will only apply to the vehicle which has that registration number. If an endorsement number is followed by a person’s name, or a type of person, the specified endorsement applies only to that person or type of person.
Endorsement number 01 - Damage, fire and theft excess
We will not pay the first amount shown in the schedule for any claim under Section 2 of this document. This endorsement will not apply to claims made for windscreen damage only, and the amount shown is on top of any other amount which you may have to pay under this insurance.
Endorsement number 02 - Damage, fire and theft excess for specified people
We will not pay the first amount shown in the schedule for any claim under Section 2 of this document for an event which happens while your vehicle is being driven by, or is in the charge of, the people named against this endorsement number. This endorsement will not apply to claims made for windscreen damage only, and the amount shown is on top of any other amount which you may have to pay under this insurance.
Endorsement number 03 - All sections excess
We will not pay the first amount shown in the schedule for any claim under this document. You only pay the amount (called the ‘excess’) shown in this endorsement once for each incident, regardless of the number of claims which arise from that incident. The term ‘claim’ includes any payment for costs, fees and other indirect expenses.
Endorsement number 04 - All sections excess for specified people
We will not pay the first amount shown in the schedule for any claim under this document for an event which happens while your vehicle is being driven by, or is in the charge of, the people named against this endorsement number. You only pay the amount (called the ‘excess’) shown in this endorsement once for each incident, regardless of the number of claims which arise from that incident. The term ‘claim’ includes any payment for costs, fees and other indirect expenses.
Endorsement number 05 - Amendment of cover
Your cover is limited to that shown against this endorsement number for any claim from an event which happens while the people named in the schedule are driving or in charge of your vehicle.
Endorsement number 06 - Assisted purchase
The person or organisation named against this endorsement number has a financial interest in your vehicle under an Assisted Purchase agreement (a loan towards the purchase of your vehicle). As long as that person or organisation has a financial interest in your vehicle, we will pay any amounts which become due under Section 2 (following a ‘write-off’ of your vehicle) to that person or organisation.
Endorsement number 07 - Breakdown cover
If Section 2 (Loss of or damage to your vehicle) of this document applies, this insurance also covers the following benefit. If your vehicle breaks-down anywhere in England, Wales or Scotland, we will cover the cost of hiring a replacement vehicle from the nearest garage to take you, your passengers and personal luggage to your home, your destination or a railway station within 20 miles. Or we will pay the garage charges for towing the vehicle and carrying you and your passengers to your own garage if this is within 10 miles. We will only pay one claim during any one period of insurance and the most we will pay is £25.
Endorsement number 08 - Caravan endorsement
If this endorsement applies, you must keep to the following conditions.
You must keep an efficient fire extinguisher in your vehicle.
Hiring out the vehicle to any person is not covered by this insurance.
Endorsement number 09 - Deleted sections
Any section, or part of a section shown by a number or description in the schedule does not apply to this insurance.
Endorsement number 10 - Diabetic or epileptic clause
If the person named against this endorsement number is driving any insured vehicle when it is involved in an accident, and the accident is caused or contributed to by the failure of such person to properly carry out any prescribed treatment or report for a medical examination recommended by his or her doctor, the cover we provide for any claim arising out of the accident is limited to the minimum cover needed to meet the relevant law.
Endorsement number 11 - Drinks and drugs clause
If an accident which happens when the person named against this endorsement number is driving the insured vehicle, results in that person being convicted of an offence involving drink or drugs, or an equivalent offence under the laws of other countries where this insurance provides cover, the cover we provide for that accident is limited to the minimum cover needed to meet the relevant law.
Endorsement number 12 - Driving exclusions
We will not provide any cover while your vehicle is being driven by, or is in the charge of, any person under the age stated against this endorsement number.
Endorsement number 13 - Excluding inexperienced drivers
We will not provide any cover while your vehicle is being driven by, or is in the charge of, any person who has continuously held a full UK or EU driving licence for less than 12 months.
Endorsement number 14 - Excluding commuting to and from work or study
We will not provide any cover while your vehicle is being driven by, or is in the charge of, the person named against this endorsement number if the vehicle is being used to travel to or from their place of business, work or study.
Endorsement number 15 - Limited driving exclusion
We will not provide any cover while your vehicle is being driven by, or is in the charge of, any person under the age shown against this endorsement number (other than a person named against this endorsement).
Endorsement number 17 - Official use
This insurance also covers your vehicle while it is being used to carry passengers for which you receive an allowance from public funds.
Endorsement number 18 - Owner’s endorsement
The person or organisation named against this endorsement number owns the vehicle.
Endorsement number 23 - Suspension of cover other than fire and theft
All cover, except for fire and theft as provided by section 2 of this document is suspended.
Endorsement number 24 - Theft excess
We will not pay the first amount shown in the schedule for any theft claim under Section 2 of this document. The amount shown is on top of any other amount which you may have to pay under this insurance.
Endorsement number 26 - Transfer of interest or change of title
When the new owner of the vehicle has filled in a proposal form, all cover under this insurance is transferred to the person now shown as the insured in the schedule.
Endorsement number 27 - Warranted accompanied
We will not provide any cover while your vehicle is being driven by, or is in the charge of, the person named against this endorsement number (unless the person is accompanied at all times by one of the following).
Endorsement number 28 - Warranted accompanied until test passed
Once the person named against this endorsement number has passed the official UK or EU driving test, endorsement number 27 no longer applies.
Endorsement number 29 - Warranted automatic transmission
We will not provide any cover unless your vehicle is fitted with automatic transmission.
Endorsement number 30 - Warranted wing mirrors fitted
We will not provide any cover unless your vehicle is fitted with wing mirrors.
Endorsement number 36 - Damage cover for trailers
Section 2 of this document also applies to loss of or damage to any trailer (details of which have been given to us) while it is being used with your vehicle if:
Endorsement number 37 - No claim bonus removed
The ‘No claim bonus’ section of this document does not apply.
Endorsement number 41 - Fire and theft excess
We will not pay the first amount shown in the schedule for any fire and theft claim made under Section 2 of this document. The amount shown is on top of any other amount which you may have to pay under this insurance.
Endorsement number 42 - ‘In all’ excess
The young or inexperienced drivers excess shown in Section 2 will not apply on top of the excess shown in endorsement number 02 for the person named against this endorsement number.
Endorsement number 44 - Driving other vehicles
The person named against this endorsement number will have the cover provided for driving other vehicles in Section 1.(As long as the other vehicle does not belong to the person named, or to you, and it is not hired to either under a hire purchase or leasing agreement, and that person has the owner’s permission to drive it.)
Endorsement number 99
Wherever this endorsement number is shown in the schedule it will refer to an individual endorsement supplied with your schedule or which has already been issued to you.