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E-VANPolicy

All information in this document is correct at the time of printing (October 2012), for full up to date informationplease visit our website www.coveainsurance.co.uk

• Claims assistance available 24 hours a day, 365 days a year• Emergency windscreen repair and replacement• Benefits of our approved repairer network are:

– Full mainland coverage– Collection of damaged vehicle– Swift repairs guaranteed for 3 years– Return of the repaired vehicle, cleaned– Replacement vehicle for up to seven consecutive days if you

use an Covéa approved repairer

Motor Care Line0844 902 2220

24 HourCLAIMS Assistance

Please keep the card below in asafe place in case you need to

contact the helpline.

Give your Covéa Motor Care Line adviser the following:

• Policy Number, your name/driver’s name

• Vehicle make, model and registration number

• Details of incident including name and address of the otherdriver, their insurance company, policy number and carregistration number


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Thank You for choosing Covéa Insurance.

This is Your Commercial Vehicle policy. It setsout the details of the cover You have with Us.

In return for You having agreed to pay Yourpremium including any tax applicable andsubject to the policy terms and conditions, Wewill provide the insurance described in thiscontract during the Period Of Insurance.

Please read this Policy and its Schedule toensure that they are in accordance with Yourrequirements. Any query should beimmediately referred to Your insurance brokeror intermediary.

Introduction

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Contents

Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

Contact Numbers . . . . . . . . . . . . . . . . . . . . . . . . . . 4

How to Make a Claim . . . . . . . . . . . . . . . . . . . . . 5

How We Deal With Your Claim . . . . . . . . . . . . 6

What should I do in the eventof an accident? . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

What should I do if my vehicle is stolen? . . 8

Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Customer Information . . . . . . . . . . . . . . . . . . 10

Complaints Procedure . . . . . . . . . . . . . . . . . . . . . 10

Financial Services Compensation Scheme . . 10

Law Applicable to Contract . . . . . . . . . . . . . . . . 10

Exchange of Information . . . . . . . . . . . . . . . . . . 11

Policy Cover

Section 1

Loss of or Damage to Your Vehicle . . . . . . . . . 12

Section 2

Third Party Liability . . . . . . . . . . . . . . . . . . . . . . . . 15

Section 3

Windscreen Cover . . . . . . . . . . . . . . . . . . . . . . . . . 17

Section 4

Personal Effects . . . . . . . . . . . . . . . . . . . . . . . . . . . 18

Section 5

Replacement Locks . . . . . . . . . . . . . . . . . . . . . . . . 19

Section 6

Medical Expenses . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Section 7

Foreign Use . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

Section 8

No Claims Discount . . . . . . . . . . . . . . . . . . . . . . . 22

Section 9

Upkeep and Repair by the Motor Trade . . . . . 23

Section 10

Exceptions applicable to all Sections . . . . . . . . 24

Section 11

Conditions applicable to all Sections . . . . . . . . 26

Section 12

Endorsements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29

Helpline0844 245 0245

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Contact Numbers

Covéa Motor Care Line is a service exclusive toCovéa Insurance available 24 hours a day, 365days a year and operates in the mainland UKonly. Covéa Motor Care Line offers assistanceincluding:

• Helpline available 24 hours a day, 365 days ayear;

• Full mainland coverage by our approvedrepairer network;

• Collection of the damaged Vehicle;

• Swift repairs by Our approved repairer,guaranteed for 3 years;

• Return of the repaired Vehicle, thoroughlycleaned;

• Replacement vehicle for up to sevenconsecutive days (applicable only if You usean Covéa approved repairer – subject toavailability);

• Emergency windscreen repair andreplacement;

• Emergency accommodation/journeycompletion facilities up to £250;

You must produce your Certificate Of MotorInsurance to Our nominated windscreencontractor to take advantage of these services.If windscreens are repaired rather thanreplaced no Excess applies.


Should You be unfortunateenough to have to makea claim, Covéa Motor Care Linewill manage all aspects of theclaim for You from the time itis reported.

CLAIMS

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How to Make a Claim

Should You be unfortunate to have to make aclaim, telephone the Covéa Motor Care Lineand they will manage all aspects of the claimregarding damage to Your Vehicle from thetime it is reported. Please provide Us with thefollowing information:

• Policy Number, Your name, driver’s name

• Vehicle make, model and registrationnumber

• Nature of incident

• Police incident number if applicable (this is arequirement for theft claims)

• Accident police reference number (if policeattended the scene)


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How We Deal With Your Claim

We may choose to repair or replace YourVehicle or accessory or spare part or pay anamount up to the Market Value of YourVehicle or accessory or spare part at the timeof loss or damage.

If to Our knowledge Your Vehicle is the subjectof a hire purchase or leasing agreement, anypayment for loss of or damage to Your Vehiclewhich is not made good by repair,reinstatement or replacement, may, at Ourdiscretion, be made to the owner whose receiptshall be a full discharge of Our liability.

Should Your Vehicle be uneconomical torepair, if You pay Your premium by the Covéainstalment scheme We will deduct anyoutstanding balance.

We will also pay for the reasonable costs ofprotection and removal to the nearest repairersand delilvery to You, at the address shown onthe Schedule, following a claim covered by thispolicy.

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What should I do in theevent of an accident?

Do• Get as much information as You can as soon

as possible.

• Ask the other drivers involved for their names,addresses and telephone numbers.

• Ask for the name of their insurers and ifpossible their Policy or Certificate number.

• Send to Us any letters or documents Youreceive in connection with the accidentbefore You reply to them.

• Make a note of the vehicle registrationnumbers, along with the make, model andcolours of the other Vehicle involved. Alsonote all relevant details such as weatherconditions.

• Make a note of any injuries or damage toother property.

• Ask for the names and addresses of anywitnesses before they lose interest and leavethe scene.

• If the police attend the scene, obtain theaddress of the police station and if possibletheir reference number.

• Contact the Covéa Motor Care Line on0844 902 2220 as soon as possible to reportthe matter, even if you don’t intend tomake a claim.

Don’t• Discuss at the scene whose fault the accident

seems to have been.

• Apologise or admit any fault or liability.

• Forget to record the details of damagecaused to any property or injury to anyoneinvolved.

What the Law Says• If You are involved in any accident involving

an injury to any person or damage to anyother Vehicle or property You must stop.

• Give Your name, address and insurancedetails to anyone who has a good reason forasking.

• If there is an injury or you do not give yourdetails to anyone at the scene, You mustreport the matter to the police within 24hours.


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• Call the Police immediately and obtain acrime reference number.

• Contact the Covéa Motor Care Line on0844 902 2220 to report the matter to Us.

• We will need the following documents soplease make sure You have these to hand:

– Vehicle Registration Document(V5 or Log book)

– Current MOT Certificate

– Purchase Receipt

– Service History

– Copy of Your Driving Licence

– Certificate of Motor Insurance

We will make an offer for the market value ofYour Vehicle less any policy Excess thatapplies and send You Our settlement chequeonce We have received all the requireddocuments and any enquiries have beencompleted.

If Your Vehicle is recovered at any stage, eitherbefore or after We have sent the settlementcheque to You, please contact Us immediatelywith the vehicle location. This will enable Us tomove the vehicle to one of Our agents. Failureto do this may result in You becoming liable forany towing and storage charges.

What should I do if my Vehicleis stolen?

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We/Us/Our/The CompanyCovéa Insurance plc.

The Policyholder/Insured/You/YourThe person or persons, company or companiesnamed in the Schedule.

Certificate of Motor InsuranceYour current valid Certificate Of MotorInsurance has the same number as this policy.The Certificate also sets out who may driveYour Vehicle and the purpose for which YourVehicle may be used.

Your VehicleThe Vehicle whose make, model andregistration mark are specified on the Scheduleand described in the Certificate Of MotorInsurance.

ScheduleThe document that describes details of thecover You have.

Period of InsuranceThe effective period of time shown on theSchedule.

ExcessThe amount You must pay following loss of ordamage to Your Vehicle. The actual amount isshown on the Schedule.

EndorsementsSpecial terms or restrictions which affect thepolicy cover. The Endorsement numbers whichapply are shown on the Schedule.

Territorial LimitsGreat Britain, Northern Ireland, ChannelIslands, the Isle of Man and during sea transitbetween ports in these areas.

Market ValueThe cost of replacing Your Vehicle with one ofsimilar make, model and condition at the timeof the loss or damage.

Audio-visual and CommunicationEquipmentEquipment that is permanently fitted in thevan, such as:

1. compact disc, MP3 player, radio cassette,mini disc or other audio equipment;

2. telephone or other communicationequipment;

3. television, DVD or other visual entertainmentequipment;

4. visual navigation equipment.

Any of the above equipment which isremovable is not considered permanentlyfitted.

Definitions Motor Care Line0844 902 2220

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Complaints procedureIt is always Our intention to provide a first classstandard of service. However We do appreciatethat occasionally things go wrong. In somecases your broker or intermediary who arrangedthe insurance will be able to resolve anyconcerns, and you should contact them directly.

Alternatively, if You need to complain, pleasecontact us at the following address, quotingYour policy or claim number.

Quality Assurance, Covéa Insurance plc,Norman Place, Reading RG1 8DA.Telephone: 0844 902 1000Website: www.coveainsurance.co.uk

Full details of the Covéa Internal ComplaintsProcedure are detailed in our leaflet‘Complaints Procedure’ which is available onrequest or may be downloaded from Ourwebsite.

If You should remain dissatisfied, once Covéahas had the opportunity to resolve Yourcomplaint, You may be eligible to refer Yourcomplaint to the Financial Ombudsman Service(FOS). For further details they can be contactedat South Quay Plaza, 183 Marsh Wall, LondonE14 9SR. www.financial-ombudsman.org.uk.

Financial Services CompensationSchemeWe are covered by the Financial ServicesCompensation Scheme (FSCS). You may beentitled to receive compensation from thescheme if We cannot meet Our obligations.

Further information is available from theFinancial Services Compensation Scheme,7th Floor, Lloyds Chambers, Portsoken Street,London E1 8BN. www.fscs.org.uk

Law Applicable to ContractIt is possible to choose the law applicable to acontract of insurance covering a risk situated inthe United Kingdom. We have chosen ScottishLaw if You live in Scotland and English Law ifYou live elsewhere in the United Kingdom.

Payment of Your premium is evidence ofacceptance of Our choice. If any other law isto apply, it must be agreed by both parties andevidenced in writing.

Customer Information

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Exchange of InformationInsurers pass information to the Claims andUnderwriting Exchange Register, run byInsurance Database Services Ltd (IDS Ltd) andthe Motor Insurance Anti-Fraud and TheftRegister, run by the Association of BritishInsurers (ABI). The aim is to help Us to checkinformation provided and also to preventfraudulent claims. We will pass information tothe appropriate register(s). In dealing with anyclaim We may search the register(s).

In order to prevent or detect fraud We willcheck Your details with a fraud preventionagency, who will record the search. Searcheswill be made with other insurers. If fraud issuspected other relevant details will be sharedwith those insurers. Other users of the fraudprevention agency may use this information intheir own decision making processes. You canfind out which fraud prevention agencies areused by contacting Us [email protected].

Customer Informationcontinued


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Policy CoverSection 1 – Loss of or Damage to Your Vehicle

Accidental DamageWe will pay for loss of or damage, other thanby fire, theft or attempted theft, to YourVehicle and its accessories and spare parts inor on Your Vehicle, occurring during the PeriodOf Insurance within the Territorial Limits.

Fire and TheftWe will pay for loss of or damage to YourVehicle and its accessories and spare partswhile in or on Your Vehicle, caused by fire,theft or attempted theft occurring during thePeriod Of Insurance within the TerritorialLimits.

Loss of or Damage to Your VehicleWe may choose to repair or replace YourVehicle, accessory or spare part or pay anamount up to the Market Value of YourVehicle, accessory or spare part at the time ofloss or damage.

If to Our knowledge the Vehicle belongs tosomeone else or is part of a hire purchase orleasing agreement, any payment for loss of ordamage to the Vehicle that is not made goodby repair, reinstatement or replacement may,at Our discretion, be made to the legal ownerwhose receipt shall be a full discharge of Ourliability.

We will also pay:

for the reasonable costs of protection andremoval to the nearest repairers and delivery toYou, at the address shown on the Schedule,following a claim covered by this policy.

New Vehicle ReplacementWe will replace Your Vehicle with a newVehicle of the same make and specification (ifone is available) if within six months of Youpurchasing it new, any repair or damagecovered by the policy costs more than 60% ofthe Vehicle’s current UK list price (includingVehicle tax) or the Vehicle is lost and notrecovered. You must be the first registeredowner of the Vehicle and You must own or havebought the Vehicle under a hire purchaseagreement (for which the hire-purchasecompany must agree with replacement).

Audio-Visual and CommunicationEquipmentFor permanently fitted audio-visual andcommunication equipment the most We willpay for any one claim is £500 or the MarketValue of Your Vehicle, whichever is theminimum, less the Excess.

Replacement VehicleA replacement vehicle will be supplied to Youonly when Your Vehicle is at one of Ourapproved repairers, the supplier will provide areplacement vehicle for a maximum of sevenconsecutive days.

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Policy CoverSection 1 – Loss of or Damage toYour Vehiclecontinued

Your entitlement to a replacement vehicle willend when:

• Your Vehicle has been repaired and is madeavailable for You to collect or for Us to re-deliver to You;

• Our approved repairer or any vehicleengineer appointed by Us advises that YourVehicle is beyond economical repair; or

• the replacement vehicle has been suppliedfor the maximum seven day period.

During this period, the replacement vehicle willbe insured under this policy and the sameterms and conditions will apply. Any incidentrelating to the replacement vehicle may affectYour No Claims Discount.

You will be responsible for:

• the cost of the fuel You use;

• any charges for fitting accessories;

• any Excess which would have applied toYour Vehicle; and

• all charges and costs where the replacementvehicle is on hire for more than sevenconsecutive days.

The replacement vehicle will be of a standardcar-derived or panel van type and will notinclude specialised vehicles such as pick-uptrucks, tippers or refrigerated vans. Thereplacement vehicle is subject to the availabilityof a suitable vehicle from the supplier. Whilstevery effort will be made to supply a vehicle

neither We nor the supplier will be liable to payany compensation nor to provide a vehiclefrom any other source should a suitablereplacement vehicle be unavailable.

Exceptions that apply to Loss of orDamage to Your VehicleWe will not pay for:

1. loss of use of Your Vehicle;

2. depreciation;

3. loss caused by deception;

4. any decrease in the value of Your Vehiclefollowing repair;

5. any cost or part of any cost of repair whichimproves Your Vehicle beyond itscondition before the loss or damage;

6. wear and tear;

7. mechanical, electrical, electronic, computeror computer software breakdowns, failures,faults or breakages;

8. damage to tyres caused by braking,punctures, cuts or bursts;

9. confiscation, requisition or destruction byor under order of any government, orpublic or local authority;

10. the Excess shown on the Schedule;

11. the additional Excess of £500 if themileage stated on the Schedule isexceeded;


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Policy CoverSection 1 – Loss of or Damage to Your Vehiclecontinued

12. the Excess shown on the Schedule whenYour Vehicle is being driven by, or is in thecustody of, a driver under the age specifiedon the Schedule or an InexperiencedDriver;

13. any claim under this Section of the policywhile Your Vehicle is being driven by, or isfor the purpose of being driven, in thecharge of any person under 21 years ofage, unless details of such person havebeen notified to, and accepted by Us, priorto the date of loss or damage;

14. any claim under this Section of the policyresulting from theft or attempted theftwhilst the ignition keys have been left in oron Your Vehicle or if all the doors,windows and other openings have notbeen closed and locked;

15. any amount greater than the maker’s listprice in the United Kingdom for the supplyof any spare part or accessory;

16. any loss or damage caused by overloadingor improperly loading the Vehicle in a waythat the Vehicle was not designed for;

17. any loss or damage caused directly orindirectly by fire if Your Vehicle isequipped for the cooking and/or heatingof food or drink.

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Policy CoverSection 2 – Third Party Liability

Your LiabilityWe will insure You against all sums You arelegally liable to pay arising from:

(a) death of or bodily injury to any person foran unlimited amount;

(b) damage to property up to £2,000,000;

The above limits apply in respect of any oneclaim or a number of claims arising from oneincident caused by or arising out of the use of:

(c) Your Vehicle;

(d) a trailer attached to Your Vehicle.

Liability of other persons driving orusing Your VehicleOn the same basis and limits that We insureYou under this Section We will also insure thefollowing persons:

(a) any person allowed by the Certificate OfMotor Insurance to drive Your Vehicle;

(b) any person who is using, but not driving,Your Vehicle with Your permission forsocial, domestic and pleasure purposes;

(c) any person, at Your request, who istravelling in, or getting into or out of, YourVehicle.

Legal Personal Representatives In the event of death of any person Insured bythis Section, We will insure the legal personalrepresentatives of the deceased person againstany liability covered by this Section.

Emergency Treatment FeesWe will pay for Emergency Treatment Fees asrequired by the Road Traffic Acts.

Legal CostsIn connection with any liability which is Insuredby this Section, We will pay:

(a) the fees of any solicitor appointed by Us torepresent anyone Insured under thisSection during proceedings in any court ofsummary jurisdiction or at any coroner’sinquest or fatal accident inquiry;

(b) the cost of legal services arranged by Us todefend a charge of manslaughter orcausing death by dangerous driving;

(c) other costs and expenses incurred with Ourwritten consent.

Exceptions that apply to ThirdParty LiabilityThe insurance provided under this Sectionwill not apply:

(a) to the driver unless that person holds alicence to drive Your Vehicle, or has held,and is not disqualified from holding orobtaining, such a licence;

(b) to any person who is not driving YourVehicle, if to the knowledge of that person,the driver does not hold a licence to driveYour Vehicle unless the driver has held andis not disqualified from holding or obtainingsuch a licence;


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Policy CoverSection 2 – Third Party Liabilitycontinued

(c) to death, bodily injury or damage arisingoff the road as a result of the loading orunloading of Your Vehicle by anyone apartfrom the driver or attendant;

(d) to any person where the liability is Insuredunder another policy;

(e) to death of or bodily injury to any personarising out of, or in the course of, theemployment of such person by any personWe insure under this Section, except asrequired by the Road Traffic Acts.

We shall not be liable for loss of or damageto:

(a) property belonging to, or in the custody orcontrol of, any person Insured under thisSection;

(b) any Vehicle which is Insured under thisSection;

(c) any luggage trailer attached to YourVehicle or attached to any Vehicle coveredby this policy, which Your Certificate OfMotor Insurance permits You to drive, orany property carried in or on such luggagetrailer.

We shall not be liable for any liability, loss ordamage arising directly or indirectly from actsof terrorism as defined in the UK TerrorismAct 2000, except where We need to providethe minimum insurance required by the RoadTraffic Acts.

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Policy CoverSection 3 – Windscreen Cover

We will pay for repair or replacement of brokenglass in the windscreen and side or rearwindows of Your Vehicle.

If the windscreen, side or rear windows of YourVehicle needs to be repaired or replaced,telephone the Covéa Motor Care Line on0844 902 2220.

If You do not telephone the Covéa Motor CareLine and use one of Our approved windscreenrepairers, the most We will pay under thissection is £100, after deduction of any Excesswhich you must pay.

Exceptions that apply toWindscreen CoverWe shall not be liable for the Excess printed inthe Schedule for the replacement of brokenglass. This Excess will not apply if thewindscreen or window is repaired rather thanreplaced.

The maximum We will pay is an amount up tothe Market Value of Your Vehicle less theExcess.

The insurance provided under this section doesnot apply to damage to sunroofs.


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Policy CoverSection 4 – Personal Effects

We will pay You, or if You request, the owner ofthe property up to £100 for personal effects inYour Vehicle if lost or damaged due to anaccident, fire, theft or attempted theft.

Exceptions that apply to PersonalEffectsWe will not pay for:

1. money, jewellery, furs, documents,securities, tickets or stamps;

2. goods or samples carried in connection withany trade or business;

3. property held by the Insured in trust forwhich they are responsible;

4. property Insured under any other policy;

5. property in or on any open top Vehicle.

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Policy CoverSection 5 – Replacement Locks

If the keys or lock transmitter of Your Vehicleare lost or stolen, We will pay for the cost ofreplacing:

1. the affected locks;

2. the lock transmitter and central lockingsystem;

3. the affected parts of the alarm orimmobiliser (or both);

as long as You can prove to Our satisfactionthat the person who has Your keys ortransmitter knows where Your Vehicle is. NoExcess is payable under this section but themaximum amount We will pay is £200.


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If You or any occupant of Your Vehicle isinjured in an accident involving Your Vehicle,We will pay medical expenses incurred up to£100 for each person injured.

Policy CoverSection 6 – Medical Expenses

21

Compulsory insurance cover outsidethe Territorial LimitsYour policy provides the minimum cover Youneed by law to use Your Vehicle in:

(a) any country which is a member of theEuropean Union;

(b) any other country which the Commission ofthe European Union approves as meetingthe requirements of Article7(2) of theEuropean Community Directive onInsurance of Civil Liabilities arising from theuse of motor Vehicles (no. 72/166 CEE).

Full Policy cover outside theTerritorial LimitsYour policy automatically provides the covershown on Your Schedule for up to 30 days inany one Period of Insurance while You areusing Your Vehicle in the countries referred toin Section 7 (a) above provided that:

(a) Your Vehicle is taxed and registered in theUnited Kingdom;

(b) Your Vehicle is normally kept in the UnitedKingdom;

(c) You are a United Kingdom resident.

If You intend to use Your Vehicle outsidethe Territorial Limits for a period in excess of30 days with a maximum of 90 days

You must notify Your Broker before You leaveand pay any additional premium that isrequired. We will not provide cover for anyperiod in excess of 90 days.

Your policy provides cover while Your Vehicleis in transit (including loading and unloading)between any countries to which this policyapplies, but any sea transit must be by ascheduled sea route.

We will also pay the foreign customs duty thatYou must pay as a result of loss or damage toYour Vehicle Insured by this policy preventingits return to the UK.

Other chargesWe will insure You against general averagecontribution, salvage and sue and labourcharges arising from the transportation of YourVehicle between any countries to which thisinsurance applies.

Policy CoverSection 7 – Foreign Use


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Policy CoverSection 8 – No Claims Discount

No Claims DiscountIn the event of no claim being made or arisingunder this policy the renewal premium will bereduced in accordance with the scale applicableat the renewal date.

Details of the No Claims Discount scale andreduction in the event of a claim are availableon request.

Any No Claims Discount to which You areotherwise entitled will not be disallowed as aresult of a claim:

1. solely for repair or replacement of glass inthe windscreen or in the side or rearwindows of Your Vehicle;

2. under Section 2 (Emergency TreatmentFees) of this policy;

3. under Section 5 (Replacement Locks) of thispolicy.

The No Claims Discount is not transferable toany other person.

Protected No Claims DiscountIf You have paid to protect Your No ClaimDiscount and if two claims are made within afive-year period the protection will be removedand subsequent claims will reduce the NoClaims Discount.

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Policy CoverSection 9 – Upkeep and Repair bythe Motor Trade

Upkeep and Repair by the MotorTradeIf Your Vehicle is in the custody of a memberof the motor trade for upkeep or repair, Yourpolicy will continue in force. We will nothowever, cover any liability of the trader.


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Policy CoverSection 10 – Exceptions applicable to all Sections

We shall not be liable in respect of:

Use and drivingAny accident, injury, loss, damage or liabilitywhile Your Vehicle, or any other Vehicle forwhich insurance is provided by this policy isbeing:

(a) used to Your knowledge for any purposenot permitted by the Certificate Of MotorInsurance;

(b) driven by or is in the charge of any personwho to Your knowledge is not described inthe Certificate Of Motor Insurance;

(c) driven by You unless You hold a licence todrive such Vehicle or have held and are notdisqualified from holding or obtaining sucha licence;

(d) driven with Your consent by any personwho to Your knowledge does not hold alicence to drive such a Vehicle, unless suchperson has held, and is not disqualifiedfrom holding or obtaining, such a licence;

(e) driven by any person who holds aprovisional licence, unless they comply withthe condition of that licence in relation toan accompanying full licence holder;

(f) used for racing, pacemaking, speed-testing,rallying, reliability trials, competition orwhilst driven on a motor sport circuit.

AgreementsAny liability You accept by agreement orcontract unless liability would have applied inany event.

War RisksAny consequence of war, invasion, act offoreign enemy, hostilities (whether war isdeclared or not), civil war, rebellion, revolution,insurrection or military or usurped power otherthan is necessary to meet the requirements ofthe Road Traffic Acts.

Earthquake or RiotAny accident, injury, loss or damage arisingfrom or in consequence of:

(a) earthquake;

(b) riot or civil commotion elsewhere than inGreat Britain, the Isle of Man or theChannel Islands.

Nuclear Risks Any loss, damage, accident or liability resultingor arising from or directly or indirectly causedby or contributed to or arising from:

(a) ionising radiations or contamination byradioactivity from any nuclear fuel or fromany nuclear waste from burning nuclearfuel;

(b) the radioactive, toxic, explosive or otherhazardous properties of any explosivenuclear assembly or nuclear part of suchassembly.

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Policy CoverSection 10 – Exceptions applicableto all Sectionscontinued

Sonic BoomsPressure waves caused by aircraft or aerialdevices travelling at sonic or supersonic speeds.

PollutionLoss, damage, accident or liability resulting orarising from or directly or indirectly caused byor contributed to or arising from pollution orcontamination unless this pollution orcontamination is directly caused by an incidentwhich occurs in its entirety at a specific timeand place during the Period of Insurance andis sudden and identifiable and unintended andunexpected other than is necessary to meet therequirements of the Road Traffic Acts. Allpollution that arises out of one incident shall beconsidered to have occurred at the time theincident took place.

Hazardous GoodsAny loss, damage, accident or liability resultingor arising from or directly or indirectly causedby or contributed to or arising from:

(a) hazardous, dangerous or explosive goods orsubstances;

(b) explosion, sparks or ashes from YourVehicle, or from any trailer or machineryattached to, or detached from it.

Obsolete PartsAny amount greater than the maker’s latest listprice in the UK for the supply of any spare partor accessory. At Our discretion a cashsettlement on this basis may be made if such apart cannot be obtained.

Airport RisksAny loss, damage, injury or liability while YourVehicle is in, or on, any part of an aerodrome,airport or airfield used:

(a) for the take-off or landing of aircraft or forthe movement of aircraft on the surface;

(b) as aircraft parking aprons including theassociated service roads and groundequipment parking areas.


26

The policy, Schedule and Certificate shall beread together. Where a particular word orexpression has been given a specific meaning,this meaning or expression will apply whereverthe word or expression appears.

Claims procedure and requirements In the event of any accident, injury, loss ordamage, You or Your legal representative mustat Your own expense:

(a) give Us full details, as soon as possible,after any event which could lead to a claimunder this policy by phoning Covéa MotorCare Line on 0844 902 2220;

(b) send to Us any letters or documents Youreceive in connection with the event beforeYou reply to them;

(c) take all reasonable precautions to preventfurther injury, loss or damage;

(d) inform the police of theft or maliciousdamage;

(e) send to Us upon receipt any writ summonsor other legal process issued or commencedagainst You;

(f) notify Us of any impending prosecution,coroners inquest or fatal accident enquiry,or of the intended issue of any writ,summons or other legal process by You oron Your behalf.

We shall be entitled to:

(a) take and keep possession of YourVehicle and to deal with the salvage ina reasonable manner;

(b) negotiate, defend or settle in Your name oron Your behalf, any claim made againstYou;

(c) prosecute in Your name, for Our benefit,any claim against any other person inrespect of any amount paid or payable.

You must not:

(a) abandon any property to Us;

(b) negotiate or repudiate any claim withoutOur written consent.

Reasonable precautionsYou must take all reasonable precautions toavoid injury, loss or damage and maintain YourVehicle in a safe and roadworthy condition.

Alteration in riskYou must tell Us or Your insurance adviserimmediately of any alteration in risk thatmaterially affects Your policy. Materialinformation would include:

(a) a change of or to Your Vehicle;

(b) a change in the way the Vehicle is used;

(c) the Vehicle’s location;

(d) a change to the people who will be insured,their driving history or their health;

(e) any other information which makes lossesmore likely to happen or more serious ifthey do happen.

Policy CoverSection 11 – Conditions applicable to all Sections

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Cancellation(a) policyholders who cancel their policy within

14 days of the latter of either:

(i) the inception or renewal date;

(ii) the date from which they receive thecontractual terms and conditions;

are entitled to a proportionate return oftheir premium less £25. This applies even ifthe policyholder has made a claim.

Policyholders who cancel their policy after14 days are also entitled to a proportionatereturn of the premium less £25, if no claimhas been made.

In either case, the Certificate Of MotorInsurance must be returned to CovéaInsurance in order to cancel the insurancepolicy together with written notification ofYour intention to cancel the policy.

The cancellation rights described above donot apply in the event of the motor Vehiclebeing written off.

(b) We or any agent appointed by Us andacting with Our authority may at any timecancel this policy by giving You 7 daysnotice in writing, by recorded delivery letter,to Your last known address. On return ofthe Certificate Of Motor Insurance, Wewill refund that part of Your premiumwhich applied to the rest of the Policy.

(c) if You pay the premium for this policy byOur instalment plan and any of Your

monthly instalments are not paid by thedue date, the balance outstanding shallbecome payable. We will give You 7 dayswritten notice and if the balanceoutstanding remains unpaid, the policy willbe cancelled on expiry of such notice andYou must return Your Certificate OfInsurance to Us immediately.

Information SuppliedWe will only provide the cover described in thispolicy if:

(a) all the terms and conditions of this policy sofar as they apply have been met by You orany one claiming under this policy;

(b) any information given by You, and onwhich this contract is based, is completeand correct as far as You know.

Right of RecoveryIf the law of any country in which Your policyoperates requires Us to settle a claim which Wewould not otherwise have paid, We have theright to recover this amount from You or fromthe person who incurred the liability.

Sharing of ClaimsIf You are Insured by any other policy for lossor damage which results in a valid claim underthis policy, We shall not be liable to pay morethan Our rateable proportion. Nothing in thiscondition will impose on Us any liability fromwhich We would have been relieved by theException (d) in Section 2.

Policy CoverSection 11 – Conditions applicableto all Sectionscontinued


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Policy CoverSection 11 – Conditions applicable to all Sectionscontinued

The Motor Insurance DatabaseIt is a condition of the policy that You supplysuch details of the Vehicles whose use iscovered by the policy as required by therelevant law applicable in Great Britain andNorthern Ireland for entry to the MotorInsurance Database.

Information relating to Your insurance policywill be added to the Motor Insurance Database(“MID”) managed by the Motor Insurers‘Bureau (“MIB”). MID and the data stored on itmay be used by certain statutory and/orauthorised bodies including the Police, theDVLA, the DVLANI, the Insurance Fraud Bureauand other bodies permitted by law for purposesnot limited to but including :

(i) electronic licensing;

(ii) continuous insurance enforcement;

(iii) law enforcement (prevention, detection,apprehension and or prosecution ofoffenders);

(iv) the provision of government services andor other services aimed at reducing thelevel and incidence of uninsured driving.

If You are involved in a road traffic accident(either in the UK, the EEA or certain otherterritories), insurers and or the MIB may searchthe MID to obtain relevant information.

Persons (including his or her appointedrepresentatives) pursuing a claim in respect of aroad traffic accident (including citizens of othercountries) may also obtain relevant informationwhich is held on the MID.

It is vital that the MID holds Your correctregistration number. If it is incorrectly shown onthe MID You are at risk of having Your vehicleseized by the Police. You can check that Yourcorrect registration number details are shownon the MID at www.askmid.com

OwnershipIf the Policyholder does not own the Vehicle,the Vehicle owner must be related to thePolicyholder by being the Policyholder’scompany, the Policyholder’s business partner,the Policyholder’s spouse or the Vehicle leasingCompany.

FraudIf any fraudulent means including inflation orexaggeration of any claim or submission offorged or falsified documents are used toobtain benefit by You or anyone acting onYour behalf, all benefit under the policy shall beforfeited.

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Policy CoverSection 12 – Endorsements

Endorsements are only applicable if specified inthe Schedule.

1. Compulsory SecurityYou must activate the security device that Youhave told us is fitted to Your Vehicle. Thedevice manufacturer, the vehicle manufactureror a VSIB approved agent must have fitted thisdevice. If You do not use the security device,We will exclude cover for loss of or damage toYour Vehicle as described by Section 1 Fire &Theft.

2. Compulsory GaragingYou must leave Your Vehicle in a securegarage or compound overnight when You areat or within the vicinity of the address that Youhave declared is where You park Your vehicleovernight. If You do not do this, We will excludecover for loss of or damage to Your Vehicle asdescribed by Section 1 Fire & Theft.

3. Protected No Claim DiscountIf You pay the appropriate annual premium toprotect Your No Claims Discount upon gainingNo Claims Discount Level 4, then the discountYou receive will not be reduced unless morethan two claims arise in any five year period ofinsurance. If two claims arise in any fiveconsecutive years, the No Claims DiscountProtection will be withdrawn at the nextrenewal. If a third claim is made the NCD levelwill be reduced as per the defined step backscale. You may have to pay a higher premiumor Excess if You make a claim.

4. Own loss or damage (Excess)You must pay the amount shown on theSchedule towards any claim made underSection 1 in addition to the compulsory Excessof £100 and any voluntary Excess that Youhave chosen.

5. Excluding inexperienced driversWe shall not be liable while Your Vehicle isbeing driven by, or is in the charge of anyperson below the minimum experiencespecified within the Schedule.

6. SecurityYou must activate the anti-theft device thatYou have told Us is fitted to Your Vehicle. IfYou do not use the anti-theft device, We willexclude cover for loss of or damage to YourVehicle as described by Section 1 Fire & Theft.

7. GaragingYou must leave Your Vehicle overnight in thelocation that You have declared, when at orwithin the vicinity of the address You have toldUs is where you park Your Vehicle overnight. IfYou do not do this, We will exclude cover forloss or damage to Your Vehicle as described bySection 1 Fire & Theft.

8. Named Driver ExcludedWe shall not be liable while Your Vehicle isbeing driven by, or is in the charge of, theperson named in the Schedule.


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9. Young Drivers ExcludedWe shall not be liable while Your Vehicle isbeing driven by, or is in the charge of anyperson below the minimum age specified in theSchedule.

Policy CoverSection 12 – Endorsementscontinued

Covéa Insurance plcNorman PlaceReadingRG1 8DATelephone: 0844 902 1000Fax: 0118 955 2211

www.coveainsurance.co.uk

Covéa Insurance plcRegistered in England and Wales No. 613259Authorised and regulated by the Financial Services Authority No. 202277

P85H

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