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Motorsport insurance? We've got it covered
  • Competition On Track

    Buy per event or up to 4 events at a time. Aggregate insurance up to £30,000. Option to also insure your excess.

  • Road Risks

    Annual Cover with automatic 15% Discount for new customers. Options to include Road Section Cover and also Vehicle Recovery insurance.

  • Karting

    Annual cover from £69.95. Options to include on track chassis damage and theft away from your premises.

  • Bike Sport

    Daily cover for up to 8 days in advance. Premiums from just £40 per day with with £500 min excess.

  • Personal Injury

    A "must have" cover for any competition. £70 buys you peace of mind protection of £100,000 for death or disability. Loss of income also available.

DATA PROTECTION NOTICE
This Data Protection Notice explains how we may use your details. It tells you about the registers and databases that we and others have in place, which help to detect and prevent fraudulent applications and claims, and must be shown to any party related to the insurance.

All phone calls relating to applications and claims may be monitored and recorded and the recordings used for fraud prevention and detection, training and quality control purposes. Subject to the provisions of the Data Protection Act 1998, you are entitled, on payment of a small fee, to receive a copy of the information we hold about you.

Any information you give us will be used by Highway Insurance Company Limited and we may also share this information with other members of the Liverpool Victoria group of companies to inform you by letter, telephone or e-mail of other products which may be of interest to you.

If you do not wish to receive any marketing literature or if you have any queries, or would like more information about this Notice, please write to the: Customer Vehiclee Department, Highway Insurance, 171 Kings Road, Brentwood, Essex, CM14 4EJ. E-mail customervehicle@highway-insurance.co.uk For more information on the Data Protection Act you may also write to the Office of the Information Commissioner at Wycliffe House, Water Lane, Wilmslow, Cheshire SK9 5AF. Telephone: 0303 123 1113 or 01625 545745 E-mail: casework@ico.org.uk

MOTOR INSURANCE DATABASE
Your policy details will be added to the Motor Insurance Database (MID) managed by the Motor Insurers' Bureau (MIB). The MID and the data stored on it may be used by the Police, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including:
• Electronic Licensing.
• Continuous Insurance Enforcement.
• Law enforcement (prevention, detection, apprehension and/or prosecution of offenders).
• The provision of government services and/or other services aimed at reducing uninsured driving.
If you are involved in a road traffic accident (either in the UK or abroad), insurers and/or the MIB may search the MID to obtain relevant information. Other persons (including their appointed representatives) pursuing a claim in respect of a road traffic accident (including people who live in other countries) may also obtain relevant information which is held on the MID. It is vital that the MID holds your correct registration number. If not you risk having your vehicle seized by the Police.
You can check that your correct registration number details are shown on the MID at www.askmid.com

Detecting and Preventing Fraud and Confirming Claims History
In order to keep premiums as low as possible for all our customers we participate in a number of industry initiatives to aid the prevention and detection of crime, especially insurance related fraud. When you tell us about any claim, the details you have provided, including personal details, will be passed to the various registers and databases that are used by companies within our group, companies providing services to us, other insurers and other fraud and associated agencies. In addition, we may search these registers and databases when you make a claim, to validate your claims history or that of any other person or property likely to be involved in the claim. If you give us false or inaccurate information and/or make or attempt to make a fraudulent claim, this information will be recorded on the registers.
We and other organisations may also use and search these agencies and databases to help make decisions about the provision and administration of insurance, credit and related services for you and members of your household, trace debtors or beneficiaries, recover debt, prevent fraud and to manage your accounts or insurance policies, check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity, and undertake credit searches and additional fraud searches.

DEFINITION OF TERMS AND WORDS
The following words or phrases have the same meaning wherever they appear and are shown in bold throughout this policy. Certificate of Motor Insurance - Legal evidence of your insurance. It is one part of the contract of motor insurance. It shows the vehicles we are insuring, who may drive the insured vehicle (where 'any authorised driver' is stated, refer to the schedule for restrictions), what it may be used for and the period of insurance.
Contract of Motor Insurance - The policy, the schedule (including endorsements), the certificate of motor insurance, the information you gave us in the proposal form or statement of fact and declarations that you have made, all form the contract of motor insurance.
Endorsements - Something which alters your insurance cover. Your cover will be affected by any endorsement that is shown on the schedule. (Such endorsements may add exclusions to the cover or require you to take action such as fitting approved security.) More than one endorsement may apply. If you do not comply with any endorsements, this contract of motor insurance may no longer be valid and we may refuse to deal with any claim.
Excess - The amount you have to pay towards each claim you make under this contract of motor insurance. There may be more than one excess, part of which may be voluntary (where you have chosen to take an excess to receive a discount on your premium). The amount of the excess is shown on the schedule.
Family or Household - Any member of the policyholder's family, or any other person, who is a permanent or temporary resident at the policyholder's address.
General Conditions - These describe your responsibilities, general information and the procedures that apply in certain situations, such as when there is a claim or the contract of motor insurance is cancelled.
General Exclusions - These describe the things that are not covered by the contract of motor insurance. They are in addition to the exclusions shown under the headings 'What is not covered' in each of the Sections detailing the cover provided.8 Document of vehicle insurance
Geographical Limits - Great Britain, Northern Ireland, the Isle of Man and the Channel Islands. It also includes travelling by sea, air or rail between these places.
Section 6 explains the cover that applies when driving abroad.
Highway Insurance - The trading name of Highway Insurance Company Limited.
Highway Insurance Company Limited - An insurance company, part of the Liverpool Victoria group of companies, authorised and regulated by the Financial Services Authority.
Insurance Adviser - the person or company you purchased this insurance from (MORIS).
Insured Vehicle - Any motor vehicle insured comprehensively with Highway Insurance that appears on a current certificate of insurance and for which a premium has been paid for vehicle hire cover.
Market Value - The cost at the date of the accident or loss of replacing the insured vehicle, if possible, with one of a similar make, model, age, condition and mileage. We will usually ask an engineer to give us advice about the market value of the insured vehicle, refer to guides of vehicle values and any other relevant sources. In assessing the market value, you should consider the amount that could reasonably have been obtained for the insured vehicle if you sold it immediately before the accident, loss or theft.
Period of Insurance - The length of time covered by this contract of motor insurance, as shown on the current schedule and certificate of motor insurance.
Policy - This document, which sets out the details of cover and all the terms and conditions which apply. It is one part of the contract of motor insurance.
Private Motor Vehicle - How the other vehicle is described on your certificate of motor insurance when allowing the driving other vehicles extension. Driving other vehicles and this definition is given with the intention of allowing you to drive private motor vehicles only under the extension of cover. It does not extend cover to vehicle derived vans, vans, motorcycles, or any other motor vehicle.
Proposal Form or Statement of Fact - The documents filled in by you, or on your behalf by an insurance adviser, or someone else, and all other information you gave and declarations made at the time the insurance was arranged and on which we have relied when agreeing to offer this contract of motor insurance. If you do not give us full information at the start, and tell us about changes, this contract of motor insurance may no longer be valid and we may refuse to deal with any claim.
Schedule - Forms part of the contract of motor insurance and confirms details of you, the insured vehicle(s) and the cover which applies. It is one part of the contract of motor insurance.
Standard Accessories - Accessories made available for the vehicle by the manufacturer as optional extras and for which a receipt must be provided. Standard accessories do not include modifications to the insured vehicle, signwriting or any other accessory fitted to it not provided by the vehicle manufacturer.
Territorial Limits - England, Scotland, Wales and Northern Ireland. These limits apply to Part B only. The geographical limits defined in this policy do not apply to Part B of this policy.
We, our, us - Highway Insurance Company Limited trading as Highway Insurance.
You, Your - The person, company or trading name (including subsidiary companies) shown as the insured on the schedule and certificate of motor insurance.

CONTRACT OF MOTOR INSURANCE - SPECIALIST VEHICLE
This policy, the schedule, the certificate of motor insurance, information you gave us in the proposal form or statement of fact and declarations that you have made, form a legally binding contract of motor insurance between you and Highway Insurance Company Limited, trading as Highway Insurance. This contract of motor insurance is a contract personal to you and you cannot transfer it to anyone else.

We agree to insure you under the terms of this contract of motor insurance against any liability, loss or damage that occurs within the geographical limits during the period of insurance for which you have paid, or agree to pay, the premium.
You must read this policy, the schedule and the certificate of motor insurance together.
The schedule tells you which sections of the policy apply and identifies any endorsements.
Please check all three documents carefully to make sure that they give you the cover you want and that you comply with all the relevant terms and conditions, including any endorsements.
It is not intended that the Contracts (Rights of Third Parties) Act 1999 should confer any additional rights under this policy in favour of any third party.

This Insurance is governed by English law (unless you live in Jersey or Guernsey, where Jersey or Guernsey law will apply).
YOUR COVER.
The current Schedule shows what you are covered for. The different kinds of cover are:
Comprehensive (shown as COMP) - Sections 1,2,3,4,5,6 and 7 apply.
• Third Party Fire and Theft (shown as TPFT) - Sections 1,2 and 6 apply
• Third Party Only (shown as TPO) - Sections 1 and 6 apply
• Fire and Theft Only (shown as FTO) - Section 2 only.

USE
This contract of motor insurance only covers you if you use the insured vehicle in the way described in your certificate of motor insurance (under 'Limitations as to Use') and any endorsements.

COOLING OFF CANCELLATION RIGHT
We hope you are happy with the cover this policy provides. However, you have the right to cancel it within 14 days of receiving the policy, without giving any reason. To cancel using this 'cooling-off' period you must return any certificate of motor insurance or temporary cover note relating to this contract of motor insurance, along with your cancellation request. If you do cancel in the first 14 days using the 'cooling-off' cancellation condition, we will charge you pro rata, subject to a minimum fee of £25 + Insurance Premium Tax, for the cover provided from the beginning of the contract until the policy is cancelled, unless we are required to make a total loss payment under the policy, under which circumstances a refund of the premium is not payable.

Changes to your details
You must tell your insurance adviser as soon as possible if any of your details change including:
• Changes made to your vehicle which improve it's value, appearance, performance or handling.
• Changing your vehicle.
• Changes in the way you use your vehicle.
• Change of address or where you keep your vehicle.
• Change of occupation, including part time work.
• Change in the main user of the vehicle.
• Details of any medical conditions.
This is not a full list and you should contact your insurance adviser for advice if you are not sure whether a change will affect your cover.
If you do not tell your insurance adviser about any relevant changes, we may:
• Reject or reduce your claim.
• Cancel the policy and treat it as though it never existed, or
• Do both of the above.
When you advise of any permanent or temporary changes to your policy during the period of insurance, or request duplicate documents, a premium adjustment charge of £15 + Insurance Premium Tax will be made in addition to any other change in premium to cover our administration costs. This charge is in addition to any administration fees charged by your insurance adviser.

SECTION 1 LIABILITY TO OTHERS: THIRD PARTY COVER
What is covered
We will insure you against everything you legally have to pay to people who claim for damages, costs and expenses if they arise from a claim caused by an accident while you are driving, or in charge of the insured vehicle, if you kill or injure other people. We will also cover you for your legal liability for damage to their property (including any related indirect loss) up to £10,000,000 for commercial or historic military vehicles or £20,000,000 for private vehicles or motorcycles and for costs and expenses incurred up to £5,000,000. We will also insure you while the insured vehicle is towing a caravan, trailer or broken-down vehicle, so long as the towing is allowed by law and the caravan, trailer or broken-down vehicle is attached properly to the insured vehicle by towing equipment made for this purpose.
What is not covered
• Loss or damage to the insured vehicle, caravan, trailer or broken-down vehicle.
• Any amount above £10,000,000 for damage to other people's property (including any related indirect loss) when caused by a commercial or historic military vehicle or £20,000,000 when caused by a private vehicle or motorcycle and any amount above £5,000,000 for costs and expenses incurred.
• Property belonging to (or in the care of) you or your passengers or in any caravan, trailer or broken-down vehicle.
• Death or injury to the person driving or in charge of the insured vehicle or to any person being caravan in or on, or getting into or out of, a caravan or trailer.
• Legal liability when you are towing any caravan, trailer or broken-down vehicle for profit.
• No cover will be in force while the insured vehicle is competing on course or taking part in any stages, trials, sprints, hillclimbs, autotest or any other competition. No cover is provided while the insured vehicle being used on any form of race track, de-restricted toll road (including the Nurburgring) or off-road activity.
If your current certificate of motor insurance states that business use is allowed, liability for death or injury to any employee of the person insured, arising during the course of their employment, except where needed by law.
Any liability, injury, loss or damage resulting from anything sold, transported or supplied by you or on your behalf.

Driving other vehicles - What is covered:
If your Certificate of Motor Insurance says so, we will insure you to drive any Private Motor Car that you do not own, is not registered to you and you have not hired under a hire-purchase or leasing agreement.
Driving other vehicles - What is not covered:
• Legal liability unless your certificate of motor insurance states that you are covered to drive other private motor vehicles.
• Any loss or damage to the private motor vehicle you are driving.
• Driving without the owner's permission.
• Use of a private motor vehicle outside the geographical limits.
• Legal liability which is covered by any other insurance you have to drive the other private motor vehicle or when you no longer have possession of the insured vehicle or it has been damaged so much that it is not worth repairing or has been stolen and you have not got it back.
• Loss or damage to any property belonging to (or in the vehicle of) any driver or passenger who is making a claim under this Section.
• Death or injury to the person driving or in charge of the other private motor vehicle.
• Use of a vehicle derived van, van, motorcycle or any other motor vehicle that is not a private motor vehicle.
• Use to secure the release of any private motor vehicle which has been seized or confiscated by or on behalf of any government or public authority.
• Use of a private motor vehicle unless there is a current and valid policy of insurance in force for the vehicle being driven under this Section.

Insuring others - What is covered
• We will also insure the following people under this Section.
• Any person you allow to use the insured vehicle as long as your current certificate of motor insurance says they can and they are not excluded from driving by an endorsement shown in the schedule.
• Any person (other than the person driving) being vehicleried in, or getting in or out of the insured vehicle or any person who causes an accident while they are travelling in, or getting in or out of, the insured vehicle.
• Your employer or business partner (but only if your current certificate of motor insurance states that business use is allowed).
• If anyone covered by this contract of motor insurance dies, we will cover their legal representative to deal with any claims made against that person's estate.
Insuring others - What is not covered
• Legal liability if your current certificate of motor insurance does not cover the person using the insured vehicle or if the person using the insured vehicle is excluded from driving or using the insured vehicle as a result of the general exclusions, general conditions and endorsements.
• Legal liability if the insured vehicle is being used for business and your current certificate of motor insurance does not state that business use is allowed.
• Any liability, injury, loss or damage resulting from anything sold, transported or supplied by you or on your behalf.

Costs of Legal Representation - What is covered
If we agree in writing first, we may pay for the following legal fees if they arise from a claim caused by an accident that is covered under this contract of motor insurance.
• The solicitor's fee for representing anyone we insure at a court of summary jurisdiction, fatal accident enquiry or coroner's inquest.
• The reasonable costs of legal services we arrange for defending an insured person against a charge of manslaughter or causing death by dangerous driving.
We may, at any time, stop paying the legal costs.
Costs of Legal Representation - What is not covered
• Any costs which have not first been agreed in writing by us or arising from a claim caused by an accident which is not covered under this contract of motor insurance.
• Any costs where we have chosen to stop payments or arising from a claim which is not covered as a result of the general exclusions, general conditions and endorsements.

Emergency Medical Treatment - What is covered
We will pay for the Emergency Treatment Fees, as required by the Road Traffic Acts, after an accident involving the insured vehicle. We must, by law, provide this cover.
Emergency Medical Treatment - What is not covered
Any amount that is more than the compulsory fee.

SECTION 2 FIRE AND THEFT
What is covered

We will cover you for loss or damage to the insured vehicle that is caused by fire, lightning, explosion, theft or attempted theft. This includes standard accessories on it or kept in your private garage and any side vehicle (as long as it is attached and we have been told about it).. We will also pay for loss or damage to the insured vehicle's fitted entertainment equipment up to the limit stated on the schedule.
We will also insure the following people under this Section.
• Any person employed by a motor garage or similar business, which you do not own, which has the insured vehicle for the purpose of maintenance, repair, testing or servicing.
• Any person employed by a hotel, restaurant or similar business, which you do not own, where the insured vehicle is being parked for you.
What is not covered
• Any vehicle which is not the insured vehicle and any loss or damage if you do not have cover under this section.
• Wear and tear, mechanical, electrical, electronic and computer failure, breakdowns or breakages.
• Compensation for you not being able to use the insured vehicle, any delay where we have to get new parts or accessories or they are unavailable, or the value of the insured vehicle reducing for any reason.
• Any other indirect loss.
• Loss or damage if you have not taken reasonable vehicle to protect the insured vehicle, (see 'Care of the Vehicle' under the general conditions), or if it has been left unlocked or with the keys in it or attached to it.
• Loss or damage from repossession of the insured vehicle and returning it to its rightful owner.
• Loss or damage from any agreement or proposed transaction for selling or hiring the insured vehicle or someone taking the insured vehicle by fraud, trickery or deception or attempting to purchase the insured vehicle by fraudulent means.
• Loss or damage arising from the insured vehicle being taken or driven by a person who is not an insured driver but is a member of the policyholder's family or household, or being taken or driven by an employee or ex-employee.
• Loss or damage caused deliberately by you or any person driving the insured vehicle with your permission.
• Any additional damage resulting from the insured vehicle being moved by you after an accident, fire or theft.
• Any amount above the limit stated on the schedule for fitted entertainment equipment.
• Any storage charges unless you tell us about them and we agree in writing to pay for them.
Personal belongings unless you have cover under Section 5.
• Keys, remote control or security devices (whether lost or stolen) unless you have cover under Section 7.
• Tapes, cassettes, compact and minidiscs, Citizens-Band radios, phones or phone equipment.
• Any loss or damage up to the amount of the excess that appears on your schedule.
• Any loss for theft or attempted theft where the vehicle has been left unlocked and/or the ignition key or other ignition control device is left in, on or in the immediate proximity of the vehicle.
• Any satellite navigation equipment or accessories, whether permanently fitted or not, that are not standard accessories.
• Any loss or damage caused by failure to maintain the insured vehicle and safeguard it from such loss or damage.
• Any loss or damage from the insured vehicle being confiscated, disposed of or destroyed by or under order of any government or public or local authority order.

SECTION 3 ACCIDENTAL DAMAGE
What is covered
We will cover you for loss or damage to the insured vehicle. This includes standard accessories on it or kept in your private garage and any side car (as long as it is attached and we have been told about it). We will also pay for loss or damage to the insured vehicle's fitted entertainment equipment up to the limit stated on the schedule.
We will also insure the following people under this Section.
• Any person employed by a motor garage or similar business, which you do not own, which has the insured vehicle for the purpose of maintenance, repair, testing or servicing.
• Any person employed by a hotel, restaurant or similar business, which you do not own, where the insured vehicle is being parked for you.
What is not covered
• Any loss or damage described in 'what is not covered' under the Fire and Theft section of this policy. We also do not cover the following:
• Damage to tyres caused by wear and tear, braking, punctures, cuts or bursts.
• Damage caused by frost, unless you have taken reasonable care to stop the damage happening and have followed the manufacturer's instructions to avoid liquid freezing in your car.
• Loss or damage arising from the insured vehicle being filled with the wrong fuel.
• No cover will be in force while the insured vehicle is competing on course or taking part in any stages, trials, sprints, hillclimbs, autotest or any other competition. No cover is provided while the insured vehicle being used on any form of race track, de-restricted toll road (including the Nurburgring) or off-road activity.

SECTION 4 WINDSCREEN AND WINDOWS
We will not pay for any damage to the insured vehicle's windscreen or windows.

SECTION 5 PERSONAL ACCIDENT
(Note MORIS provide a separate extension to your cover to provide for Death or Permanent Disability during the course of competitive driving - this extension is NOT underwritten by Highway and is NOT an extension of your Highway Road Risks Policy)
We do NOT provide you with any cover for you, your co-driver, your wife or civil partner.

SECTION 6 DRIVING ABROAD
Minimum Insurance - What is covered

We provide the minimum cover that applies to the country concerned to allow you to use the insured vehicle covered by this insurance in:
• Any country which is a member of the European Union, Andorra, Croatia, Iceland, Norway and Switzerland.
The minimum cover automatically provided by this contract of motor insurance may vary from country to country.
Minimum Insurance - What is not covered
• Damage to the insured vehicle
• Customs and Excise duty

Cover in addition to Minimum Insurance - What is covered
We will extend your cover to apply to:
• Any country which is a member of the European Union, Andorra, Croatia, Iceland, Norway and Switzerland.
• the insured vehicle whilst it is being transported by rail, sea or air between countries which you have cover for. If you are travelling by sea, it must be by a recognised sea route and the journey should not take longer than 65 hours.
For up to a quarter of the period of insurance as long as:
• The insured vehicle is taxed and registered within the geographical limits, and
• Your main permanent home is within the geographical limits and your visit abroad is only temporary.

SECTION 6 DRIVING ABROAD Cover in addition to Minimum Insurance - What is not covered
• Driving other cars (see Section 1) even if stated on the certificate of motor insurance.
• Customs and Excise duty.
• Use for more than a quarter of the period of insurance.
• Loss or damage in any country which is not a member of the European Union, Andorra, Croatia, Iceland, Norway or Switzerland.
• Personal Accident, Belongings or Medical Expenses (see Section 5) unless shown on the schedule as applying when the insured vehicle is being used within the geographical limits.
• The insured vehicle, unless it is being used for purposes described in the certificate of motor insurance.
• Any additional accommodation or travel costs or expenses incurred.
General Advice when travelling abroad. The following does not form part of your contract of motor insurance.
• Do take out adequate travel, breakdown and recovery insurance to cover all eventualities, even on a short trip.
• Do not sign an Agreed Statement of Facts form unless you fully understand and agree with its contents. In some countries they are binding agreements of the circumstances of an incident.

SECTION 7 LOCK REPLACEMENT - STOLEN KEY COVER
What is covered

If the keys, lock transmitter, or entry card for the keyless entry system of your Insured Vehicle are stolen, we will pay up to £750 towards the cost of replacing:
• The door and boot locks
• The ignition and steering locks
• The lock transmitter; and
• The entry card
Provided that we are satisfied that the identity or location of your Insured Vehicle is known to any person who may have the keys, transmitter or entry card, and reasonable care is taken to safeguard the keys, transmitter or entry card from loss.
What is not covered
• The theft excess shown in your schedule
• Any amount in excess of £750.

CLAIMS HANDLING
We aim to provide you with the best claims service that we can. If you use the services we have put in place to achieve this, we can provide a better service than when the claim is outside our control.

ADVICE
There are some important points that you should be aware of if you are involved in an accident or your car is stolen.
Accident :
• You must STOP at the scene of the accident, do not drive away until you have exchanged details with the other party involved.
• Give your name, address and insurance details.
• Get the name, address, phone number, vehicle registration and any other information you can from the other driver or drivers, passengers, witnesses and any attending police officer.
• Note the exact location and any relevant road signs or markings.
• If there is an injury and you did not give your details at the scene, report the incident to the police within 24 hours.
Theft :
• Report the theft to the police immediately and take a note of the officer's name, number constabulary and crime reference number.
• If you know where the vehicle is after its theft, make sure that it is safe and secure.

CLAIMS PROCEDURE
If any accident, injury, loss or damage occurs you, or your legal representative, must do the following:
Inform us by calling our Contact Centre (UK) on 0845 373 1244 as soon as is reasonably possible.
• Send us, unanswered, every letter you receive about a claim as soon as possible.
• Tell us, as soon as you know, about any prosecution, coroner's inquest or fatal accident injury.
• Not admit liability or negotiate a settlement without our written permission.
• Give any information, help and co-operation we need, including going to court if necessary.
We will do the following:
• Deal with the claim in any way we think appropriate
• Take over, defend or settle any claims inyour name, or that of any other person insured.
• Take action (which we will pay for) in your name, or that of any other person insured, to get back any money we have paid.
Handling Your Claim (See Sections 2, 3 and 7) We will do the following:
• Get an agent to take the insured vehicle to the nearest Approved Repairer or another safe place if you cannot drive it.
• Refer you to an Approved Repairer. You can take the car to them or they will collect it and return it to you after an estimate has been prepared.
• Send the car to an Approved Repairer, or another repairer of your choice, if we disagree with the estimate for repairing it provided by a non-approved repairer.
• If the insured vehicle is being repaired by an Approved Repairer from our network, they will endeavour to provide you with a class A courtesy car for the duration of the repair to the insured vehicle. Provision of a courtesy vehicle is entirely at the discretion of the Approved Repairer and is subject to availability. Highway Insurance will not accept any responsibility for losses arising where an Approved Repairer is unable to supply a courtesy car.
• Treat the insured vehicle as stolen if it has not been recovered within 30 working days after you reported the theft to our Contact Centre. It must still be missing when we pay your claim.
• Have your vehicle examined by our own or our appointed engineer.
You must do the following:
• Get our permission before ordering any new part or accessory, and before paying for any transport outside the geographical limits.
• Tell us straightaway if the insured vehicle is stolen and you later get it back, or discover where it is.
• Send us the certificate of motor insurance, the Vehicle Registration document and Department
• of Transport Test (MOT) Certificate if the insured vehicle needs one, keys and any other documents we ask for before we pay your claim.
Paying Your Claim (See Sections 2, 3, 4 and 7)
We will do the following:
• Pay the reasonable cost of protecting the insured vehicle.
• Pay the reasonable cost for the insured vehicle to be brought back to the address shown on the schedule. (We will not pay the cost of any transport outside the geographical limits unless we agree to do so first.)
• Entirely at our discretion and subject to payment of the policy excess, arrange to:
(a) repair the damage at our Approved Repairer, we may decide to use suitable parts or accessories which are not supplied by the original manufacturer, or alternatively authorise repairs at a repairer of your choice subject to the provision of satisfactory estimates,
(b) pay you the cost of replacing or repairing the damaged parts, including their fitting, or
(c) treat the insured vehicle as a total loss and pay you the market value of the vehicle less the excess just before the loss or damage happened.
• Pay the last known cost shown in the manufacturer's price list and the reasonable cost of fitting if any lost or damaged part or accessory is no longer available.
• Not pay the whole cost of any repair or replacement that leaves the vehicle in a better condition than before the loss or damage (you will pay part of the cost of the repair or replacement).
• Not refund any premium if the insured vehicle is written off or there is any claim. Once you accept our offer or we have paid the claim (or both) the insured vehicle becomes our property.
• Settle the claim to the legal owner if the insured vehicle is part of a hire-purchase or leasing agreement, or belongs to someone else.
• We will not pay the VAT element of any claim if you are registered for VAT.
• If we declare the insured vehicle a total loss (write off), you must pay whatever you owe us before we will pay your claim, or we may take what you owe us from anything we pay you.
You must do the following:
• Pay any excess direct to the repairer when you collect your vehicle.
• Pay the VAT direct to the repairer when you collect your vehicle if you are registered for VAT.
• Reimburse us any amount paid to any repairer in respect of a claim under the contract of motor insurance in relation to the VAT element of the total cost, if you are registered for VAT.
• Fraudulent, False And Exaggerated Claims
• Fraudulent, false and exaggerated claims increase premiums for our policyholders. We will not pay a claim which is in any part fraudulent, false or exaggerated, or if you, or anyone acting for you, makes a claim in a fraudulent or false way, or where we have been given any documents which are false or stolen. We will also seek to recover any costs that we have incurred. In such circumstances, we will cancel your policy and we will not return any premium.

GENERAL EXCLUSIONS
These general exclusions apply to the whole of this contract of motor insurance and describe the things which are not covered. These apply as well as the exclusions shown under 'What is not covered' in each of the Sections detailing the cover provided.
This contract of motor insurance does not cover claims arising from any of the following. 1 Any accident, injury, loss or damage that happens while the insured vehicle is being:
• Used for a purpose which it is not insured for.
• Driven or in the charge of anyone who is not described in the certificate of motor insurance as a person entitled to drive or who is excluded from driving by any endorsements or covered by another insurance.
• Driven or in the charge of anyone who does not have a valid driving licence or who is disqualified from driving, who has not held a driving licence or who is prevented by law from holding one.
• Driven or in the charge of anyone who does not meet the terms and conditions of their driving licence as required by DVLA / DVLNI rules and regulations and any relevant law.
• Kept or used in an unsafe or un-roadworthy condition. (You may be asked to provide details to show the insured vehicle was regularly maintained and kept in good condition.)
• Kept or used without a current Department of Transport Test (MoT) certificate if one is needed.
• Kept or used in any way that breaks any security requirements imposed by an endorsement.
• Used to carry passengers or goods in a way likely to affect the safe driving and control of the vehicle, or
• Used in or on restricted areas of airports, airfields or military bases.
2 Any liability that you have agreed to accept unless you would have had that liability anyway.
3 Anyone who does not meet all the conditions described in the endorsements on your schedule and all the general conditions in this policy and any other condition of this policy.
4 Any use connected with the motor trade, unless this use is described in the certificate of motor insurance (under Limitations as to Use).
5 Hiring out the insured vehicle for money. (You can accept money from passengers if you give them a lift so long as you do not make a profit, you are not carrying them as part of a business or in the course of your employment, and the insured vehicle has no more than eight seats, not including the driver.)
6 Racing of any description or being used in any contest, competition, rally or speed trial (apart from treasure hunts).
7 The insured vehicle being used on any form of race track, de-restricted toll road (including the Nurburgring) or off-road activity.
8 Any accident, injury, loss or damage caused directly or indirectly by:
• War, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil unrest, revolution, act of terrorism, riot or similar event.
• Earthquake.
• Ionising radiations or contamination from nuclear fuel or nuclear waste or from the burning or explosion of nuclear fuel.
• Pressure waves caused by aircraft and other flying objects, or
• Carrying any dangerous substances or goods.
9 Any liability, loss or damage that happens outside the geographical limits (apart from the cover detailed in Section 6 - Driving Abroad).
10 Any proceedings brought against you outside the geographical limits, unless they result from using the insured vehicle in a country which we have agreed to extend this insurance to cover (see Section 6 - Driving Abroad).
11 Any liability, injury, loss or damage caused directly or indirectly by pollution, or contamination unless the pollution or contamination is directly caused by one incident at a specific time and place during the period of insurance and is:
sudden.
identifiable.
not deliberate.
unexpected.
We will consider the pollution to have happened at the time the incident took place.

GENERAL CONDITIONS
The following general conditions apply to the whole of this contract of motor insurance. These describe your responsibilities, general information and the procedures that apply in certain situations, such as when there is a claim or the contract of motor insurance is cancelled. If you do not meet the terms and conditions of this contract of motor insurance, it could make the cover invalid or mean we will refuse to pay your claim.

Keeping to the Policy Terms
Your premium is based on the information you gave us when your cover started and when you renew it. If your circumstances change, you must tell us as soon as possible. If you are not sure whether you need to tell us about certain facts, you should give us the information anyway, or contact your insurance adviser for advice. You should keep a record of the information you give in relation to this contract of motor insurance.
If you did not or do not give full and accurate information, this contract of motor insurance may be invalid and we may refuse to deal with any claim you might make.
This insurance will only apply if:
the person claiming has kept to all the terms and conditions of this contract of motor insurance; and
all the information you have supplied is correct and complete to the best of your knowledge and belief.

Right of recovery
If the law of any country which this contract of motor insurance covers requires us to make payments which, but for that law, we would not otherwise have paid, you must repay the amount to us.
If any claims or other monies are paid to you by mistake for any reason, or a claim has been paid which we later find to be fraudulent, false or exaggerated, you must repay the amount paid to us.
If we have refunded any premium following cancellation, we can take any money you owe us from any payment we make.

Care of the Vehicle
The insured car must be covered by a valid Department of Transport Test (MoT) Certificate if you need one by law.
You must take all reasonable precautions to avoid loss of or damage to the insured car. For example, you should remove it to a safe place as soon as possible if it breaks down. You should also take all reasonable care of the keys to the insured vehicle to prevent them being lost or stolen.
You must always take the keys out of the ignition and remove them completely when the insured vehicle is left at any time whatsoever (regardless of whether the vehicle is still within your sight) and make sure that you do not leave belongings on display.
You should close all the windows and sun-roofs and lock all the doors. Alarms, immobilisers and tracking devices should be turned on when fitted. Endorsements may apply to your cover, setting out other requirements relating to immobilisers, alarms and tracking devices. In these cases, we will need to see evidence that an approved alarm, immobiliser or tracking device has been fitted. These devices must always be on and working whenever the insured car is left.
If you do not take reasonable care of the insured vehicle and meet any security requirements, this contract of motor insurance may no longer be valid and we may not pay any claim.
You or any other person covered by this insurance must do the following:
• Protect the insured vehicle from loss or damage.
• Keep the insured vehicle in a roadworthy condition. (You may be asked to provide details to show the insured vehicle was regularly maintained and kept in good condition.)
• Not move or drive the insured vehicle in a way likely to affect safe driving or control or in a way which could cause loss or damage to it.
• Not move or drive the insured vehicle after an accident, fire or theft if to do so may cause additional damage.
• Allow us to examine the insured vehicle at any reasonable time.

Cancelling your Policy (Outside the cooling-off Period)
You may cancel this Contract of Motor Insurance at any time by telling us, or your Insurance Adviser, in writing and sending us your Certificate of Motor Insurance. If you or someone else has not made a claim in the current period of insurance, we will refund part of your premium. If the Policy has an annual mileage limit between 1,000 - 6,000 miles per annum, we will work out the refund using Chart A below. If the Policy has an annual mileage limit between 7,000 - 12,000 miles per annum, we will work out the refund using Chart B below. When we work out the time you have been covered, we use the period from the date the insurance started to the date we receive your Certificate of Motor Insurance.

CHART A
Length of time you have had cover for How much of the annual premium we will refund
Up to 30 days
70%
31-60 days
50%
61-90 days
30%
91-120 days
10%
Over 120 days
0%

CHART B
Length of time you have had cover for How much of the annual premium we will refund
Up to 1 month
75%
Up to 2 months
65%
Up to 3 months
50%
Up to 4 months
40%
Up to 6 months
30%
Up to 8 months
20%
Up to 9 months
10%
Over 9 months
0%


These rates apply to yearly policies and will vary for policies of a shorter period.
We will not refund any of your premium if the contract of motor insurance is cancelled following a claim whether settled or not.
We, or our authorised agent, may cancel this contract of motor insurance by giving you seven days notice in writing to your last known address.
We do not have to give any reason for cancelling this contract. If we do this, we will refund part of your premium for the period of insurance left after the cancellation date, as long as you or someone else has not made a claim under this contract of motor insurance.
If we, or our authorised agent, cancel this contract of motor insurance because you have not paid the premiums on time, we will not refund any part of the premium you have already paid. We will work out any premium you owe us by charging you for the time you have been covered by this contract of motor insurance using the chart above.
In all cases, you must return the certificate of motor insurance to us as soon as you receive notice of cancellation. We will not pay any refund until we receive the certificate of motor insurance, or if you or someone else has made a claim under this contract of motor insurance.
If you produce a cancelled certificate of motor insurance to any person with the intention of deceiving that person into accepting it as genuine, you may be prosecuted.

Other Insurance
If there is any other insurance covering the same claim, we will only pay our share of the claim, even if the other insurer refuses the claim.