Document of motor trade insurance MOTOR TRADE. A guide to your cover and how to make a claim

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1 Documet of motor trade isurace MOTOR TRADE Isurace A guide to your cover ad how to make a claim

2 Welcome to LV= Thak you for choosig to purchase a LV= Isurace policy. Your policy is uderwritte by Highway Isurace, part of the Liverpool Victoria group of compaies. Fouded i 1843 Liverpool Victoria, which also trades as LV=, is the UK s largest friedly society ad a major provider of isurace ad fiacial services products. As a friedly society ad mutual, Liverpool Victoria exists wholly for the beefit of its members. We have o shareholders takig a share of our profits. Istead we ivest our profits i makig our products competitive ad deliverig a outstadig customer service. Our claims service goes the extra mile. Committed to doig the right thig for our policyholders, we will aim to settle claims quickly, eve i the most difficult circumstaces. If you would like to lear more about LV= please visit our website at: Joh O Roarke Maagig Director Liverpool Victoria Isurace Compay Limited Documet of motor trade isurace 1

3 Cotets Importat Iformatio How we use your persoal iformatio 3 How To Make A Complait 7 Defiitio of Terms ad Words Defiitios 9 Cotract of Motor Isurace Motor Trade 12 Cover ad Use 13 Coolig-off Cacellatio Right 13 Sectio 1 Liability to others: Third Party Cover 14 Sectio 2 Fire ad Theft 18 Sectio 3 Accidetal Damage 21 Sectio 4 Drivig Abroad 22 Sectio 5 No Claims Discout 24 claims Hadlig 25 Geeral Exclusios 29 Geeral Coditios 32 2 Documet of motor trade isurace

4 Importat Iformatio Please read this policy, the schedule (icludig ay edorsemets) ad the certificate of motor isurace very carefully. Together with the iformatio you gave us i the proposal form or statemet of fact, ad the declaratios that you have made, they form the cotract of motor isurace. You should pay particular attetio to the geeral exclusios, the geeral coditios ad ay edorsemets which apply. The words that appear i bold throughout this policy are defied o pages ie, te ad eleve ad have the same meaig wherever they appear. Please tell your isurace adviser immediately if you have ay questios, the cover does ot meet your eeds, or ay part of your isurace documetatio is icorrect. How we use your persoal iformatio This iformatio explais how we may use your details ad tells you about the systems we use that allow us to detect ad prevet fraudulet applicatios ad claims. The savigs that we make help us to keep premiums dow. The way i which we may use your persoal data is cotrolled by the requiremets of the Data Protectio Act Highway Isurace Compay Limited is registered for the purpose of processig persoal data. Iformatio provided to us may be held, whether or ot you purchase a policy, o computer, paper file or other format. We will hold this iformatio for a reasoable time to esure that a clear ad complete history of isurace equiries, applicatios, policy records ad trasactios is maitaied. Subject to paymet of a fee, you ca ask for a copy of the persoal iformatio we hold about you by writig to the CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. For details of the Liverpool Victoria group of compaies please refer to The iformatio (some of which may be sesitive data) may be used to process ad admiister your isurace by us ad our agets (eg service providers both withi ad outside the Europea Ecoomic area with which we have agreemets). It may also be used or disclosed to regulators for the purposes of moitorig ad eforcig our compliace with ay regulatio. Occasioally, your persoal iformatio may be disclosed to selected third parties who are assistig us i service improvemet activities. Documet of motor trade isurace 3

5 Importat Iformatio cotiued All phoe calls may be moitored ad recorded ad used for fraud prevetio ad detectio, quality cotrol ad traiig purposes. If credit or debit card details are provided to us we may use this iformatio to automatically reew your isurace policies. We will oly do this where we have your permissio. If your details have bee obtaied through oe of our affiity associatios we may pass some of your iformatio, icludig policy details ad ogoig iformatio, to that affiity orgaisatio for membership, busiess aalysis ad other relevat purposes. If you move to a ew isurer we may cofirm certai details about your isurace to them. We will oly do this if we are sure it s a geuie request. If we receive a request for policy iformatio by a idividual other tha the policy holder we will check that the policy holder has give permissio to do this. Sesitive persoal data will ot be used for marketig purposes. Credit Search We use iformatio obtaied from a umber of sources icludig credit referece agecies. This helps us to cofirm your idetity, allows us to give you a quote ad decide which paymet optios we ca offer you, for example, payig mothly. You will see a record of this search if you request a Credit Report. No other orgaisatio who may coduct credit searches will be able to see it. The search wo t affect your credit record or credit ratig i ay way. Previous claims ad icidets You must tell us about ay claim or icidet (such as fire, water damage, theft or a accidet) whether or ot you claimed for them. Whe you tell us about a claim or icidet we will pass iformatio about it to various databases. We may search these databases: whe you apply for isurace if you have a claim 4 Documet of motor trade isurace

6 Importat Iformatio cotiued at reewal We will do this to validate your claims history or that of ay other perso or property likely to be ivolved i the isurace or claim. Fraud prevetio ad detectio If false or iaccurate iformatio is provided ad fraud is idetified, details will be passed to fraud prevetio agecies. Law eforcemet agecies may access ad use this iformatio. We ad other orgaisatios may also access ad use this iformatio to prevet fraud ad moey lauderig, for example, whe: checkig details o applicatios for credit ad credit related or other facilities maagig credit ad credit related accouts or facilities recoverig debt checkig details o proposals ad claims for all types of isurace checkig details of job applicats ad employees Please cotact us at GFC, LV=, Couty Gates, Bouremouth, BH1 2NF if you wat to receive details of the relevat fraud prevetio agecies. We ad other orgaisatios may access ad use from other coutries the iformatio recorded by fraud prevetio agecies. Some of the registers we make use of are: The Claims ad Uderwritig Exchage (CUE). This is ru by Isurace Database Services Ltd. The CUE database is used by most UK isurers ad holds details of most motor ad household isurace claims. Isurace Huter. This is a cetral isurace ati fraud system to which other isurers also have access. This database is desiged to combat activities such as idetity theft ad moey lauderig. The Motor Isurace Ati-Fraud ad Theft Register. This cetral database cotais details of stole ad writte off vehicles. Documet of motor trade isurace 5

7 Importat Iformatio cotiued To protect your iterests, we will check ay iformatio provided agaist these registers for completeess ad accuracy. If we fid that false or iaccurate iformatio has bee give to us, or we suspect fraud we will take actio, which could result i prosecutio. Motor Isurace Database We will add details about your isurace policy to the Motor Isurace Database ( MID ) which is maaged by the Motor Isurers Bureau ( MIB ). The MID ad the data stored o it may be used by the Police, the DVLA, the DVANI, the Isurace Fraud Bureau ad other bodies permitted by law for purposes ot limited to but icludig: electroic licesig cotiuous isurace eforcemet law eforcemet (prevetio, detectio, apprehesio ad/or prosecutio of offeders) the provisio of govermet services ad/or other services aimed at reducig uisured drivig If you are ivolved i a road traffic accidet (either i the UK or abroad), isurers ad/ or the MIB may search the MID to obtai relevat iformatio. Other persos (icludig their appoited represetatives) pursuig a claim i respect of a road traffic accidet (icludig foreig citizes) may also obtai relevat iformatio held o the MID. It s vital that the MID holds your correct registratio umber. If ot you risk the Police seizig your vehicle. You ca check that your correct registratio umber is show o the MID at Tellig you about other products ad services Uless you have idicated otherwise, we ad other carefully selected orgaisatios may use your iformatio to keep you iformed of other products ad services that may be of iterest to you. You may be cotacted by post, telephoe or other appropriate meas. If you would rather ot receive such iformatio please write to CCA Departmet, LV=, Couty Gates, Bouremouth, BH1 2NF. 6 Documet of motor trade isurace

8 Importat Iformatio cotiued How To Make A Complait If you have a complait about your policy or the service you have received, please cotact the broker, itermediary or aget that arraged it. If you are ot satisfied with the way a complait has bee dealt with please cotact us by phoe o (For Textphoe please dial first. Opeig hours Mo-Fri 9am-5pm). If you prefer to write, please address your letter to The Customer Care Departmet, Highway Isurace, Highway House, 171 Kigs Road, Bretwood, Essex. CM14 4EJ Whe cotactig us please esure you quote your policy or claim umber as appropriate. A copy of our iteral complaits procedure is available o request. If we caot resolve your complait, you may refer your complait to the Fiacial Ombudsma Service withi six moths of receivig our fial respose letter. The address is: Fiacial Ombudsma Service, South Quay Plaza, 183 Marsh Wall, Lodo, E14 9SR. Telephoe or (from mobile or o BT lies) Makig a complait will ot affect your right to take legal actio. Fiacial Services Compesatio Scheme What happes if we are uable to meet our liabilities? If we are uable to meet our liabilities to our policyholders, you may be able to claim compesatio from the Fiacial Services Compesatio Scheme (FSCS). There are differet levels of compesatio, depedig o what kid of isurace you have: Compulsory isurace such as third party motor isurace, is covered for 100% of the claim. No compulsory isurace, such as home isurace, is covered for 90% of the claim. Documet of motor trade isurace 7

9 Importat Iformatio cotiued You ca get further iformatio from the Fiacial Services Compesatio Scheme. 7th Floor, Lloyds Chambers, Portsoke Street, Lodo, E1 8BN. Telephoe or , Authorisatio Highway Isurace Compay Limited is authorised ad regulated by the Fiacial Services Authority uder registratio No You ca check this o the FSA s register by visitig the FSA s website or by cotactig the FSA o Documet of motor trade isurace

10 Defiitio of Terms ad Words Defiitios The followig words or phrases have the same meaig wherever they appear ad are show i bold throughout this policy. Certificate of Motor Isurace Legal evidece of your isurace. It is oe part of the cotract of motor isurace. It shows the vehicles we are isurig, who may drive the isured vehicle (where ay authorised driver is stated, refer to the schedule for restrictios), what it may be used for ad the period of isurace. Cotract of Motor Isurace The policy, the schedule (icludig edorsemets), the certificate of motor isurace, the iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, all form the cotract of motor isurace. Edorsemets Somethig which alters your isurace cover. Your cover will be affected by ay edorsemet that is show o the schedule. (Such edorsemets may add exclusios to the cover or require you to take actio such as fittig approved security.) More tha oe edorsemet may apply. If you do ot comply with ay edorsemets, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. Excess The amout you have to pay towards each claim you make uder this cotract of motor isurace. There may be more tha oe excess, part of which may be volutary (where you have chose to take a excess to receive a discout o your premium). The amout of the excess is show o the schedule. Family or Household Ay member of the policyholder s family, or ay other perso, who is a permaet or temporary residet at the policyholder s address. Geeral Coditios These describe your resposibilities, geeral iformatio ad the procedures that apply i certai situatios, such as whe there is a claim or the cotract of motor isurace is cacelled. Geeral Exclusios These describe the thigs that are ot covered by the cotract of motor isurace. They are i additio to the exclusios show uder the headigs What is ot covered i each of the Sectios detailig the cover provided. Documet of motor trade isurace 9

11 Defiitio of Terms ad Words cotiued Geographical Limits Great Britai, Norther Irelad, the Isle of Ma ad the Chael Islads. It also icludes travellig by sea, air or rail betwee these places. Sectio 4 explais the cover that applies whe drivig abroad. Highway Isurace The tradig ame of Highway Isurace Compay Limited. Highway Isurace Compay Limited A isurace compay, part of the Liverpool Victoria group of compaies, authorised ad regulated by the Fiacial Services Authority. Isurace Adviser the perso or compay you purchased this isurace from. Isured Vehicle The vehicle(s) show o the curret schedule ad certificate of motor isurace. Liverpool Victoria Isurace Compay Limited tradig as LV= Part of the Liverpool Victoria group of compaies. Maximum Trade Value The most we will pay for ay claims i ay oe period of isurace. You ca icrease the maximum trade value if you give us otice ad pay a extra premium. Period of Isurace The legth of time covered by this cotract of motor isurace, as show o the curret schedule ad certificate of motor isurace. Policy This booklet, which sets out the details of cover ad all the terms ad coditios which apply. It is oe part of the cotract of motor isurace. Proposal Form or Statemet of Fact The documets filled i by you, or o your behalf by a isurace adviser, or someoe else, ad all other iformatio you gave ad declaratios made at the time the isurace was arraged ad o which we have relied whe agreeig to offer this cotract of motor isurace. If you do ot give us full iformatio at the start, ad tell us about chages, this cotract of motor isurace may o loger be valid ad we may refuse to deal with ay claim. Schedule Forms part of the cotract of motor isurace ad cofirms details of you, the isured vehicle(s) ad the cover which applies. It is oe part of the cotract of motor isurace. 10 Documet of motor trade isurace

12 Defiitio of Terms ad Words cotiued Stadard Accessories Accessories made available for the vehicle by the maufacturer as optioal extras ad for which a receipt must be provided. Stadard accessories do ot iclude modificatios to the isured vehicle or ay other accessory fitted to it ot provided by the vehicle maufacturer. We, our, us Highway Isurace Compay Limited tradig as Highway Isurace. You, Your The perso, compay or tradig ame (icludig subsidiary compaies) show as the Isured o the schedule ad certificate of motor isurace. Documet of motor trade isurace 11

13 Cotract of Motor Isurace Motor Trade Road Risks Oly This policy, the schedule, the certificate of motor isurace, iformatio you gave us i the proposal form or statemet of fact ad declaratios that you have made, form a legally bidig cotract of motor isurace betwee you ad Highway Isurace Compay Limited tradig as Highway Isurace. This cotract of motor isurace is a cotract persoal to you ad you caot trasfer it to ayoe else. We agree to isure you uder the terms of this cotract of motor isurace agaist ay liability, loss or damage that occurs withi the geographical limits durig the period of isurace for which you have paid, or agree to pay, the premium. You must read this policy, the schedule ad the certificate of motor isurace together. The schedule tells you which sectios of the policy apply ad idetifies ay applicable edorsemets. Please check all three documets carefully to make sure that they give you the cover you wat ad that you comply with all the relevat terms ad coditios, icludig ay edorsemets. You must tell your isurace adviser of ay chages likely to affect your isurace. We will make a admiistratio charge if you chage cover, drivers, your vehicle or request duplicate documets. It is ot iteded that the Cotracts (Rights of Third Parties) Act 1999 should cofer ay additioal rights uder this policy i favour of ay third party. Uless we agree with you to apply the laws of aother coutry, Eglish Law will apply to this cotract (uless you live i Guersey or Jersey, where Guersey or Jersey law will apply). All commuicatios will be i Eglish. 12 Documet of motor trade isurace

14 Cotract of Motor Isurace cotiued Your Cover The curret schedule shows what you are covered for. The differet kids of cover are: Comprehesive Sectios 1, 2, 3, 4 ad 5 apply. Third Party Fire ad Theft Sectios 1, 2, 4 ad 5 apply. Third Party Oly Sectios 1, 4 ad 5 apply. Fire ad Theft Oly Sectio 2 oly. Use This cotract of motor isurace oly covers you if you use the isured vehicle i the way described i your certificate of motor isurace (uder Limitatios as to Use ) ad ay edorsemets. Coolig-off Cacellatio Right We hope you are happy with the cover this policy provides. However, you have the right to cacel it withi 14 days of receivig the policy, without givig ay reaso. To cacel usig this coolig-off period you must retur ay certificate of motor isurace or temporary cover ote relatig to this cotract of motor isurace, alog with your cacellatio request. If you do cacel i the first 14 days usig the coolig-off cacellatio coditio, we will charge you pro rata, subject to a miimum fee of 25 + Isurace Premium Tax, for the cover provided from the begiig of the cotract util the policy is cacelled, uless we are required to make a total loss paymet uder the policy, uder which circumstaces a refud of the premium is ot payable. Documet of motor trade isurace 13

15 Sectio 1 Liability to Others: Third Party Cover What is covered We will isure you agaist everythig you legally have to pay to people who claim for damages, costs ad expeses if they arise from a claim caused by a accidet while you are drivig, loadig or uloadig (directly from the isured vehicle), or i charge of the isured vehicle, if you kill or ijure other people. We will also isure you for your legal liability for damage to their property (icludig ay related idirect loss) up to 1,000,000 ad for costs ad expeses icurred up to 5,000,000. We will also isure you while the isured vehicle is towig a trailer or ay oe vehicle, so log as the towig is allowed by law ad the trailer or broke-dow vehicle is attached properly to the isured vehicle by towig equipmet made for this purpose. What is ot covered Loss or damage to the isured vehicle, trailer or vehicle beig towed. Ay amout above 1,000,000 for damage to other people s property (icludig ay related idirect loss) ad ay amout above 5,000,000 for costs ad expeses icurred. Property or goods belogig to (or i the care of) you or your passegers, or beig carried i or o ay trailer or vehicle beig towed. Death or ijury to the perso drivig or i charge of the isured vehicle or to ay perso beig carried i or o, or gettig ito or out of, or gettig o to or off, a trailer or vehicle beig towed. Loss or damage to ay bridge, weighbridge, viaduct, road or other surface over which the vehicle is drive, or aythig uder the surface caused by the weight or vibratio of the isured vehicle or its load. Loss, damage or liability caused by pollutio or cotamiatio as a result of ay load seepig from the isured vehicle or ay load spillig from, or shiftig i, the isured vehicle. 14 Documet of motor trade isurace

16 Sectio 1 Liability to Others: Third Party Cover cotiued Liability for death, ijury or damage whe the isured vehicle is ot o a public road ad is i the process of beig loaded or uloaded by ay perso other tha the driver or attedat of the isured vehicle. Liability for death, ijury or damage resultig from usig the isured vehicle, or of machiery attached to it, as a tool of trade other tha as required uder the Road Traffic Act. Liability for death or ijury to ay employee of the perso isured arisig durig the course of their employmet. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. Ay liability that is ot required to be covered uder the terms of the Road Traffic Act whilst you are loadig or uloadig directly from the isured vehicle. Isurig Others What is covered We will also isure the followig people uder this Sectio. Ay perso you allow to use the isured vehicle as log as your curret certificate of motor isurace says they ca ad they are ot excluded from drivig by a edorsemet show o the schedule. Ay perso (other tha the perso drivig) beig carried i, or gettig oto or off, the isured vehicle or ay perso who causes a accidet while they are travellig i, or gettig i or out of, the isured vehicle. If ayoe covered by the cotract of motor isurace dies, we will cover their legal represetative to deal with ay claims made agaist that perso s estate. Documet of motor trade isurace 15

17 Sectio 1 Liability to Others: Third Party Cover cotiued Isurig Others What is ot covered Legal liability if your curret certificate of motor isurace does ot cover the perso usig the isured vehicle, or if the perso usig the isured vehicle is excluded from drivig or holdig a valid licece, or usig the isured vehicle as a result of the geeral exclusios, geeral coditios ad ay edorsemets. Ay liability that is ot required to be covered uder the terms of the Road Traffic Act whilst ay perso is loadig or uloadig directly from the isured vehicle. Ay liability, ijury, loss or damage resultig from aythig sold, trasported or supplied by you or o your behalf. Costs of Legal Represetatio What is covered If we agree i writig first, we may pay for the followig legal fees if they arise from a claim caused by a accidet that is covered uder this cotract of motor isurace. The solicitor s fee for represetig ayoe we isure at a court of summary jurisdictio, fatal accidet equiry or coroer s iquest. The reasoable costs of legal services we arrage for defedig a isured perso agaist a charge of maslaughter or causig death by dagerous drivig. We may, at ay time, stop payig the legal costs. 16 Documet of motor trade isurace

18 Sectio 1 Liability to Others: Third Party Cover cotiued Costs of Legal Represetatio What is ot covered Ay costs which have ot first bee agreed i writig by us or arisig from a claim caused by a accidet which is ot covered uder this cotract of motor isurace. Ay costs where we have chose to stop paymets or arisig from a claim which is ot covered as a result of the geeral exclusios, geeral coditios ad edorsemets. Emergecy Medical Treatmet What is covered We will pay for the Emergecy Treatmet Fees, as required by the Road Traffic Acts, after a accidet ivolvig the isured vehicle. We must, by law, provide this cover. If this is the oly paymet we make, your No Claims Discout will ot be affected. Emergecy Medical Treatmet What is ot covered Ay amout that is more tha the compulsory fee. Documet of motor trade isurace 17

19 Sectio 2 Fire ad Theft What is covered We will cover you for loss or damage to the isured vehicle, up to the maximum limit show o the schedule, that is caused by fire, lightig, explosio, theft or attempted theft, whilst it is beig used o the public highway or is temporarily parked durig the course of a jourey or kept at the private home address of the isured. If the isured vehicle is owed by ad registered i the persoal ame of the isured or the isured s spouse if that perso is a permitted driver uder this isurace, we will also cover you for such loss or damage whilst the vehicle is parked or kept at ay locatio away from the private home address of the isured. We will also cover you for such loss or damage to fitted vehicle etertaimet equipmet up to a maximum of where the isured vehicle is owed by ad registered i the persoal ame of the isured or the isured s spouse if that perso is a permitted driver uder this isurace. All valuatios will be based o the trade value of the isured vehicle, uless such vehicle is owed ad registered i the ame of a customer, i which evet market value will apply. What is ot covered Ay vehicle which is ot the isured vehicle ad ay loss or damage if you do ot have cover uder this sectio. Ay loss or damage while a isured vehicle, other tha vehicles owed by ad registered i the persoal ame of the isured, or the isured s spouse if that perso is a permitted driver uder this isurace, is beig kept withi 400 metres o, i, ear or ext to ay busiess premises owed by the isured, ay other motor trader or other busiess premises associated with the Motor Trade. For the purpose of this sectio the private home address of the isured is ot regarded as busiess premises. Wear ad tear, mechaical, electrical, electroic ad computer failure, breakdows or breakages. Compesatio for you ot beig able to use the isured vehicle, ay delay where we have to get ew parts or accessories or they are uavailable, or the value of the isured vehicle reducig for ay reaso. 18 Documet of motor trade isurace

20 Sectio 2 Fire ad Theft cotiued Ay other idirect loss. Ay extra parts or accessories that are ot stadard accessories permaetly fitted to the isured vehicle. Loss or damage if you have ot take reasoable care to protect the isured vehicle (see Care of the Vehicle uder the geeral coditios). Loss or damage from repossessig the isured vehicle ad returig it to its rightful ower. Loss or damage from ay agreemet or proposed trasactio for sellig or hirig the isured vehicle or someoe takig the isured vehicle by fraud, trickery or deceptio or attemptig to purchase the isured vehicle by fraudulet meas. Loss or damage arisig from the isured vehicle beig take or drive by a perso who is ot a isured driver but is a member of the policyholder s family or household, or beig take or drive by a employee or ex-employee. Loss or damage caused deliberately by you or ay perso drivig the isured vehicle with your permissio. Ay additioal damage resultig from the isured vehicle beig moved by you after a accidet, fire or theft. Ay storage charges uless you tell us about them ad we agree i writig to pay for them. Tools of trade, persoal belogigs, documets or goods. Fitted vehicle etertaimet equipmet uless the isured vehicle is owed by ad registered i the persoal ame of the isured or the isured s spouse if that perso is a permitted driver uder this isurace. Keys, remote cotrol or security devices (whether lost or stole). Tapes, cassettes, compact ad mii discs, Citizes-Bad radios, phoes or phoe equipmet. Documet of motor trade isurace 19

21 Sectio 2 Fire ad Theft cotiued Loss or damage caused by ay faulty part or accessory, by poor workmaship or by work carried out o the isured vehicle by you or ayoe actig o your behalf. Loss or damage which is more tha the maximum trade value show o the schedule, ad give by you o the proposal form or statemet of fact. Loss or damage to ay vehicle with more tha 7 passeger seats, ay vehicle with a gross vehicle weight i excess of 7.5 toes or ay vehicle trasporter capable of carryig more tha 2 vehicles, uless these have bee previously disclosed to ad agreed by us. Loss or damage to ay motorcycle, trike or quadbike. Loss or damage to ay isured vehicle while it is beig towed, or trasported by you or ayoe amed o the schedule or certificate of motor isurace. Ay loss or damage up to the amout of the excess that appears o your schedule. Ay loss for theft or attempted theft where the isured vehicle has bee left ulocked ad / or the igitio key or other igitio cotrol device is left i, o or i the immediate proximity of the isured vehicle. Ay satellite avigatio equipmet or accessories, whether permaetly fitted or ot, that are ot stadard accessories. Ay loss or damage caused by failure to maitai the isured vehicle ad safeguard it from such loss or damage. Ay loss or damage from the isured vehicle beig cofiscated, disposed of or destroyed by or uder order of ay govermet or public or local authority order. 20 Documet of motor trade isurace

22 Sectio 3 ACCIDENTAL DAMAGE What is covered We will cover you for loss or damage to the isured vehicle, up to the maximum limit show o the schedule, whilst it is beig used o the public highway or is temporarily parked durig the course of a jourey or kept at the private home address of the isured. If the isured vehicle is owed by ad registered i the persoal ame of the isured or the isured s spouse if that perso is a permitted driver uder this isurace, we will also cover you for such loss or damage whilst the vehicle is parked or kept at ay locatio away from the private home address of the isured. We will also cover you for such loss or damage to fitted vehicle etertaimet equipmet up to a maximum of where the isured vehicle is owed by ad registered i the persoal ame of the isured or the isured s spouse if that perso is a permitted driver uder this isurace. All valuatios will be based o the trade value of the isured vehicle, uless such vehicle is owed ad registered i the ame of a customer, i which evet market value will apply. What is ot covered Ay loss or damage described i what is ot covered uder the Fire ad Theft sectio of this policy. We also do ot cover the followig: Damage to tyres caused by wear ad tear, brakig, puctures, cuts or bursts. Damage caused by frost, uless you have take reasoable care to stop the damage happeig ad have followed the maufacturer s istructios to avoid liquid freezig i your vehicle. Loss or damage arisig from the isured vehicle beig filled with the wrog fuel. Please ote there is o provisio for a courtesy vehicle to be provided durig repairs or followig the loss of the isured vehicle, eve if you have comprehesive cover. Documet of motor trade isurace 21

23 Sectio 4 drivig abroad Uless you ask us to exted your cover (Additioal Cover Abroad), ad pay ay extra premium eeded, the cover for usig the isured vehicle abroad is very restricted. It does ot iclude loss or damage to the isured vehicle ad, depedig o the coutry cocered, may be very limited with regard to your legal liability to others. Miimum Isurace What is covered We provide the miimum cover that applies to the coutry cocered to allow you to use ay vehicle covered by this Isurace i: Ay coutry which is a member of the Europea Uio, Adorra, Croatia, Icelad, Norway ad Switzerlad. The miimum cover automatically provided by this cotract of motor isurace varies from coutry to coutry. Miimum Isurace What is ot covered Damage to the isured vehicle Customs ad Excise Duties Additioal Cover Abroad What is covered If you let us kow before you go abroad, ad you pay ay extra premium we eed, we will exted the cover for the isured vehicle, whilst it is beig used for social, domestic ad pleasure purposes, to give the same level of cover you have withi the geographical limits. We will usually give you a iteratioal certificate (Gree Card). The isurace will the apply i: Ay coutry which is a member of the Europea Uio, Adorra, Croatia, Icelad, Norway ad Switzerlad. For the period of the Gree Card up to a maximum of 31 days i ay oe period of isurace. 22 Documet of motor trade isurace

24 Sectio 4 drivig abroad cotiued Additioal Cover Abroad What is ot covered Ay loss of damage if you have ot asked for extra cover ad have ot paid ay premium eeded. The isured vehicle, uless it is beig used for social, domestic ad pleasure purposes oly. Customs ad Excise Duties. Usig the isured vehicle abroad for more tha the period of the agreed additioal cover provided. Loss or damage i ay coutry which is ot a member of the Europea Uio or Adorra, Croatia, Icelad, Norway or Switzerlad. Additioal iformatio whe travellig abroad The followig does ot form part of your cotract of motor isurace. Do take out adequate travel, breakdow ad recovery isurace to cover all evetualities, eve o a short trip. Do ot sig a Agreed Statemet of Facts form uless you fully uderstad ad agree with its cotets. I some coutries they are bidig agreemets of the circumstaces of a icidet. Documet of motor trade isurace 23

25 sectio 5 o claims discout If this is a yearly cotract, ad you do ot claim uder this isurace ad you have ot bee ivolved i a accidet which has or may result i a claim agaist you, we will give a discout from your reewal premium. You caot trasfer your No Claims Discout to ayoe else. We will reduce or remove your No Claims Discout if we make ay paymet whatsoever, eve if the accidet is ot your fault, uless we get the moey back from someoe else. We may withhold the No Claims Discout i full or part if there are ay claims that have ot bee settled. If we recover all our moey, or we have good reaso to believe a third-party claim would be usuccessful, the No Claims Discout would apply agai. 24 Documet of motor trade isurace

26 Claims hadlig Our aim is to give you the best claims service that we ca. If you use the services we have put i place to achieve this, we ca provide a better service tha whe the claim is outside our cotrol. There are some importat poits that you should be aware of if you are ivolved i a accidet or your vehicle is stole. Accidet You must STOP at the scee of the accidet, do ot drive away util you have exchaged details with the other party ivolved. Give your ame, address ad isurace details. Get the ame, address, phoe umber, vehicle registratio ad ay other iformatio you ca from the other driver or drivers, passegers, witesses ad ay attedig police officer. Note the exact locatio ad ay relevat road sigs or markigs. If there is a ijury ad you did ot give your details at the scee, report the icidet to the police withi 24 hours. Theft Report the theft to the police immediately ad take a ote of the officer s ame, umber, costabulary ad crime referece umber. If you kow where the vehicle is after its theft, make sure that it is safe ad secure. Claims Procedure If ay accidet, ijury, loss or damage occurs you, or your legal represetative, must do the followig: Iform us by callig our Cotact Cetre (UK) o as soo as is reasoably possible. If your claim is for glass oly call our glasslie o Sed us, uaswered, every letter you receive about a claim as soo as possible. Documet of motor trade isurace 25

27 Claims hadlig cotiued Tell us, as soo as you kow, about ay prosecutio, coroer s iquest or fatal accidet ijury. Not admit liability or egotiate a settlemet without our writte permissio. Give ay iformatio, help ad co-operatio we eed, icludig goig to court if ecessary. We will do the followig: Take over, defed or settle ay claims i your ame, or that of ay other perso isured. Take actio (which we will pay for) i your ame, or that of ay other perso isured, to get back ay moey we have paid. Hadlig Your Claim (See Sectios 2 ad 3) We will do the followig: Get a aget to take the isured vehicle to the earest Approved Repairer or aother safe place if you caot drive it. Refer you to a Approved Repairer. You ca take the vehicle to them or they will collect it ad retur it to you after a estimate has bee prepared. Sed the vehicle to a Approved Repairer, or aother repairer of your choice, if we disagree with the estimate for repairig it provided by a o-approved repairer. Treat the isured vehicle as stole if it has ot bee recovered withi 30 workig days after you reported the theft to our Cotact Cetre. It must still be missig whe we pay your claim. Have your vehicle examied by our ow or our appoited egieer. Please ote there is o provisio for a courtesy vehicle to be provided durig repairs or followig the loss of the isured vehicle, eve if you have comprehesive cover. 26 Documet of motor trade isurace

28 Claims hadlig cotiued You must do the followig: Get our permissio before orderig ay ew part or accessory, ad before payig for ay trasport outside the geographical limits. Tell us straightaway if the isured vehicle is stole ad you later get it back, or discover where it is. Sed us the certificate of motor isurace, the Vehicle Registratio documet ad Departmet of Trasport Test (MOT) Certificate if the isured vehicle eeds oe, keys ad ay other documets we ask for before we pay your claim. Payig Your Claim (See Sectios 2 ad 3) We will do the followig: Pay the reasoable cost of protectig the isured vehicle. Pay the reasoable cost for the isured vehicle to be brought back to the address show o the schedule. (We will ot pay the cost of ay trasport outside the geographical limits uless we agree to do so first.) Etirely at our discretio ad subject to paymet of the policy excess, arrage to: a) repair the damage at our Approved Repairer, we may decide to use suitable parts or accessories which are ot supplied by the origial maufacturer, or alteratively authorise repairs at a repairer of your choice subject to the provisio of satisfactory estimates, b) pay you the cost of replacig or repairig the damaged parts, icludig their fittig, or c) treat the isured vehicle as a total loss ad pay you the trade value of the vehicle, uless such vehicle is owed ad registered i the ame of a customer i which evet market value will apply, less the excess just before the loss or damage happeed. Documet of motor trade isurace 27

29 Claims hadlig cotiued Pay the last kow cost show i the maufacturer s price list ad the reasoable cost of fittig if ay lost or damaged part or accessory is o loger available. Not pay the whole cost of ay repair or replacemet that leaves the vehicle i a better coditio tha before the loss or damage (you will pay part of the cost of the repair or replacemet). Not refud ay premium if the isured vehicle is writte off or there is ay claim. Oce you accept our offer or we have paid the claim (or both) the isured vehicle becomes our property. Settle the claim to the legal ower if the isured vehicle is part of a hirepurchase or leasig agreemet, or belogs to someoe else. We will ot pay the VAT elemet of ay claim if you are registered for VAT. If we declare the isured 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 aythig we pay you. You must do the followig: Pay ay excess direct to the repairer whe you collect your vehicle. Pay the VAT direct to the repairer whe you collect your vehicle if you are registered for VAT. Reimburse us ay amout paid to ay repairer i respect of a claim uder the cotract of motor isurace i relatio to the VAT elemet of the total cost, if you are registered for VAT. Fraudulet, False ad Exaggerated Claims Fraudulet, false ad exaggerated claims icrease premiums for our policyholders. We will ot pay a claim which is i ay part fraudulet, false or exaggerated, or if you, or ayoe actig for you, makes a claim i a fraudulet or false way, or where we have bee give ay documets which are false or stole, we will also seek to recover ay costs that we have icurred. I such circumstaces, we will cacel your policy ad we will ot retur ay premium. 28 Documet of motor trade isurace

30 geeral exclusios These geeral exclusios apply to the whole of this cotract of motor isurace ad describe the thigs which are ot covered. These apply as well as the exclusios show uder What is ot covered i each of the Sectios detailig the cover provided. This cotract of motor isurace does ot cover claims arisig from ay of the followig. 1 Ay accidet, ijury, loss or damage that happes while the isured vehicle is beig: used for a purpose which it is ot isured for. drive or i the charge of ayoe who is ot described i the certificate of motor isurace as a perso etitled to drive or who is excluded from drivig by ay edorsemets or covered by aother isurace. Drive or i the charge of ayoe who does ot have a valid drivig licece, has ot held a drivig licece, is disqualified from drivig or is preveted by law from holdig a licece. drive or i the charge of ayoe who does ot meet the terms ad coditios of their drivig licece as required by DVLA / DVLNI rules ad regulatios ad ay relevat law. drive or i the charge of ayoe who does ot meet all the coditios described i the edorsemets o your schedule ad all the geeral coditios i this policy. kept or used i a usafe or uroadworthy coditio. (You may be asked to provide details to show the isured vehicle was regularly maitaied ad kept i good coditio.) kept or used without a curret Departmet of Trasport Test (MoT) certificate if oe is eeded. kept or used i ay way that breaks ay security requiremets imposed by a edorsemet. used to carry passegers or goods i a way likely to affect the safe drivig ad cotrol of the vehicle. used for carryig dagerous loads, or Documet of motor trade isurace 29

31 geeral exclusios cotiued used i or o restricted areas of airports, airfields or military bases. 2 Ay liability that you have agreed to accept uless you would have had that liability ayway. 3 Ayoe who does ot meet all the coditios described i the edorsemets o your schedule ad all the geeral coditios i this policy ad ay other coditio of this policy. 4 Hirig out the isured vehicle for moey. 5 Ay vehicle that is owed, hired or loaed by, or part of a hire purchase agreemet with, your employees. 6 Racig of ay descriptio or beig used i ay cotest, competitio, rally or speed trial (apart from treasure huts). 7 The isured vehicle beig used o ay form of race track, de-restricted toll road (icludig the Nurburgrig) or off-road activity. 8 Ay accidet, ijury, loss or damage caused directly or idirectly by: war, ivasio, act of foreig eemy, hostilities (whether war is declared or ot), civil urest, revolutio, act of terrorism, riot or similar evet; earthquake; ioisig radiatios or cotamiatio from uclear fuel or uclear waste or from the burig or explosio of uclear fuel; the radiatio, toxic, explosive or other dagerous properties of ay uclear istallatio, reactor, or other uclear assembly or its compoet part; ay weapo or device usig atomic or uclear fissio or fusio or radioactive force or matter; pressure waves caused by aircraft ad other flyig objects; or carryig ay dagerous substaces or goods. 9 Ay liability, loss or damage caused by explosio, sparks or ashes from the isured vehicle, or from ay trailer or machiery attached to, or detached from, it. 30 Documet of motor trade isurace

32 geeral exclusios cotiued 10 Ay liability, loss or damage that happes outside the geographical limits (apart from the cover detailed i Sectio 4 Drivig Abroad). 11 Ay proceedigs brought agaist you outside the geographical limits, uless they result from usig the isured vehicle i a coutry which we have agreed to exted this isurace to cover (see Additioal Cover uder Sectio 4 Drivig Abroad). 12 Ay liability, loss or damage caused directly or idirectly by: pollutio; or cotamiatio; uless the pollutio or cotamiatio is directly caused by oe icidet at a specific time ad place durig the period of isurace ad is: sudde; idetifiable; ot deliberate; ad uexpected. We will cosider the pollutio to have happeed at the time the icidet took place. Documet of motor trade isurace 31

33 geeral coditios The followig geeral coditios apply to the whole of this cotract of motor isurace. These describe your resposibilities, geeral iformatio ad the procedures that apply i certai situatios, such as whe there is a claim or the cotract of motor isurace is cacelled. If you do ot meet the terms ad coditios of this cotract of motor isurace, it could make the cover ivalid or mea we will refuse to pay your claim. Keepig to the Policy Terms Your premium is based o the iformatio you gave us whe your cover started ad whe you reew it. If your circumstaces chage, you must tell us as soo as possible. If you are ot sure whether you eed to tell us about certai facts, you should give us the iformatio ayway, or cotact your isurace adviser for advice. You should keep a record of the iformatio you give i relatio to this cotract of motor isurace. If you did ot or do ot give full ad accurate iformatio, this cotract of motor isurace may be ivalid ad we may refuse to deal with ay claim you might make. This isurace will oly apply if: the perso claimig has kept to all the terms ad coditios of this cotract of motor isurace; ad all the iformatio you have supplied is correct ad complete to the best of your kowledge ad belief. Motor Isurace Database (MID) As a result of the Fourth EU Motor Isurace Directive you are obliged to provide the Motor Isurace Database (MID) with the registratio umbers of all vehicles that are owed by you ad that will be drive, used or parked o a road or public place. Failure to disclose such registratio umbers may ivalidate your policy with the result that ay claim will be rejected. No-compliace with the regulatios is a crimial offece, ad the maximum possible fie for ot submittig data is 5,000. It is a coditio of this cotract of motor isurace that you supply such details, as are required by law, for etry o the MID. 32 Documet of motor trade isurace

34 geeral coditios cotiued Right of recovery If the law of ay coutry which this cotract of motor isurace covers requires us to make paymets which, but for that law, we would ot otherwise have paid, you must repay the amout to us. If ay claims or other moies are paid to you by mistake for ay reaso, or a claim has bee paid which we later fid to be fraudulet, false or exaggerated, you must repay the amout paid to us. If we have refuded ay premium followig cacellatio, we ca take ay moey you owe us from ay paymet we make. Care of the Vehicle The isured vehicle must be covered by a valid Departmet of Trasport Test (MoT) Certificate if you eed oe by law. You must take all reasoable precautios to avoid loss of or damage to the isured vehicle. For example, you should remove it to a safe place as soo as possible if it breaks dow. You should also take all reasoable care of the keys to the isured vehicle to prevet them beig lost or stole. You must always take the keys out of the igitio ad remove them completely whe the isured vehicle is left at ay time whatsoever (regardless of whether the vehicle is still withi your sight) ad make sure that you do ot leave belogigs o display. You should close all the widows ad su-roofs ad lock all the doors. Alarms, immobilisers ad trackig devices should be tured o whe fitted. Edorsemets may apply to your cover, settig out other requiremets relatig to immobilisers, alarms ad trackig devices. I these cases, we will eed to see evidece that a approved alarm, immobiliser or trackig device has bee fitted. These devices must always be o ad workig wheever the isured vehicle is left. If you do ot take reasoable care of the isured vehicle ad meet ay security requiremets, this cotract of motor isurace may o loger be valid ad we may ot pay ay claim. Documet of motor trade isurace 33

35 geeral coditios cotiued You or ay other perso covered by this isurace must do the followig: Protect the isured vehicle from loss or damage. Keep the isured vehicle i a efficiet ad roadworthy coditio. (You may be asked to provide details to show the isured vehicle was regularly maitaied ad kept i good coditio.) Not move or drive the isured vehicle i a way likely to affect safe drivig or cotrol or i a way which could cause loss or damage to it. Not move or drive the isured vehicle after a accidet, fire or theft if to do so may cause additioal damage. Allow us to examie the isured vehicle at ay reasoable time. Cacellig your Policy (Outside the coolig-off period) You may cacel this cotract of motor isurace at ay time by tellig us, or your isurace adviser, i writig or by or telephoe ad sedig us your certificate of motor isurace. If you or someoe else has ot made a claim i the curret period of isurace, we will refud part of your premium usig the chart below. Whe we work out the time you have bee covered, we use the period from the date the isurace started to the date we receive your certificate of motor isurace. Legth of time you have had cover for How much of the aual premium we will refud up to 7 days 85% up to 1 moth 75% up to 2 moths 65% up to 3 moths 50% up to 4 moths 40% up to 6 moths 30% up to 8 moths 20% up to 9 moths 10% over 9 moths 0% 34 Documet of motor trade isurace

36 geeral coditios cotiued These rates apply to yearly policies ad will vary for policies of a shorter period. We will ot refud ay of your premium if the cotract of motor isurace is cacelled followig a claim whether settled or ot. We, or our authorised aget, may cacel this cotract of motor isurace by givig you seve days otice i writig to your last kow address. We do ot have to give ay reaso for cacellig this cotract. If we do this, we will refud part of your premium for the period of isurace left after the cacellatio date, as log as you or someoe else has ot made a claim uder this cotract of motor isurace. If we, or our authorised aget, cacel this cotract of motor isurace because you have ot paid the premiums o time, we will ot refud ay part of the premium you have already paid. We will work out ay premium you owe us by chargig you for the time you have bee covered by this cotract of motor isurace usig the chart above. I all cases, you must retur the certificate of motor isurace to us as soo as you receive otice of cacellatio. We will ot pay ay refud util we receive the certificate of motor isurace, or if you or someoe else has made a claim uder this cotract of motor isurace. If you produce a cacelled certificate of motor isurace to ay perso with the itetio of deceivig that perso ito acceptig it as geuie, you may be prosecuted. Other Isurace If there is ay other isurace coverig the same claim, we will oly pay our share of the claim, eve if the other isurer refuses the claim. Documet of motor trade isurace 35

37 Documet of motor trade isurace If there is a accidet or theft, rig us o If you suffer widscree or glass damage, call LV= ad Liverpool Victoria are registered trade marks of Liverpool Victoria Friedly Society Limited ad LV= ad LV= Liverpool Victoria are tradig styles of the Liverpool Victoria Group of compaies. Uderwritte by Highway Isurace Compay Limited, part of the Liverpool Victoria group of compaies. Highway Isurace Compay Limited, registered i Eglad ad Wales umber is authorised ad regulated by the Fiacial Services Authority, register umber Registered address for both compaies: Couty Gates, Bouremouth BH1 2NF. Tel: /11

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