Policy Summary Part A Your Motorcycle Insurance Policy

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1 Your Policy Summary

2 Contents Policy Summary Part A Your Motorcycle Insurance Policy...3 Foreign Use (Policy Wording Section 4)...3 New Motorcycle Replacement (Policy Wording Section 1)...3 Maximum No Claims Discount Guarantee (Policy Wording Section 5)...4 Rapid NCD Accelerator - available on Pay As You Go (PAYG) policies only...4 General Exclusions (Part A)...4 General Conditions (Part A)...5 Part B Your Accident Assistance & Legal protection...7 Countries Covered...12 Claims Procedure...12 Cancellation...12 Complaints Procedure...12 Law that applies...13 Part C Breakdown Cover...14 Insurer...14 Part C - Significant or unusual exclusions and limitations...14 Cover Levels...15 Part C - General Conditions...15 page 2

3 Policy Summary Part A Your Motorcycle Insurance Policy Some important facts about your Motorcycle insurance are summarised below. This is a Policy Summary only. It does not contain the full terms and conditions of the contract. For full details of all policy terms, conditions & exclusions please refer to the main policy wording. The Policy Wording is available on-line at This summary does not form part of your contract of insurance. Part A of this policy is underwritten by Ageas Insurance Limited (Definition: Insurer/We/Our/Us). Type of Insurance: Motorcycle Duration Of Policy: 1 or 12 months (please refer to Your Motor Policy Schedule). Foreign Use (Policy Wording Section 4) Features & Benefits 365 days foreign travel is included in this policy as standard Significant Exclusions or Limitations Your permanent home must be in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man and your visits to countries outside of the United Kingdom must not exceed 1 month in any trip. Cover Level Comprehensive, Third Party Fire & Theft and Third Party Only New Motorcycle Replacement (Policy Wording Section 1) Features & Benefits We will replace your motorcycle with a new motorcycle of the same make and specification (subject to availability) if, your motorcycle is less than six months old from the date of first registration as new in your name and: your motorcycle is stolen and not recovered any repair cost or damage covered by the policy exceeds 70% of the list price (including VAT) at the time of purchase. Significant Exclusions or Limitations New Motorcycle Replacement is subject to you being the first registered owner of the motorcycle. The motorcycle must also be owned by you or have been purchased under a hire purchase agreement. Replacement is subject to the agreement of any interested hire purchase company. page 3

4 Cover Level Comprehensive, Third Party Fire & Theft. Maximum No Claims Discount Guarantee (Policy Wording Section 5) Features & Benefits If you have 5 years or more No Claims Discount (NCD) ebike will provide a maximum NCD guarantee. Your NCD will not be reduced as a result of a claim or claims being made under the policy. Significant Exclusions or Limitations Maximum No Claims Discount Guarantee will only apply on your Motor Policy Schedule if you have 5 years or more NCD. Your premium may change due to a change in your circumstances or because we have changed premiums generally. Cover Level Comprehensive, Third Party Fire & Theft and Third Party Only. Rapid NCD Accelerator - available on Pay As You Go (PAYG) policies only You will earn 1 years No Claims Discount for each consecutive 8 month claim free period on a PAYG policy. Significant Exclusions or Limitations Only available on Pay As You Go policies. Cover Level Comprehensive, Third Party Fire & Theft and Third Party Only. General Exclusions (Part A) Accidental Damage Excess Refer to Motor Policy Schedule. Fire and Theft Excess Refer to Motor Policy Schedule. page 4

5 Loss of or Damage to your Motorcycle Cover does not apply: for loss or damage arising from theft whilst the ignition keys have been left in or on your motorcycle. to damage to tyres caused by punctures, cuts or bursts. for loss of motorcycle by deception of someone who claims to be a buyer. for loss or damage caused maliciously or deliberately by any person driving Your Car with Your permission or agreement. for loss or damage caused by an inappropriate type or grade of fuel being used. Please refer to the Policy Wording for a full list of exclusions. General Conditions (Part A) Cooling-off Period You are entitled to a 14-day cooling off period. This period is effective from the inception of your policy or the date you receive the full documentation, whichever is later. If the cover has already commenced, you will be entitled to a refund of the premium (as long as you have not made a claim, or a claim having been made against you), subject to a deduction for the days you have been covered and for the charges shown in the ebike Terms of Business. Details of ebike s administration fees and charges are detailed fully in the Broker Terms of Business. Cancellation You may cancel this policy at any time online at Any refund of premium will be calculated in accordance with our scale of charges (subject to you not having made a claim or a claim having been made against you), and after deducting the cancellation charge for concluding the policy. Please refer to the Broker Terms of Business for full details of the administration fees and charges. ebike may cancel this policy by sending you not less than seven days notice by recorded delivery to your last known address. You will then be reimbursed on a pro-rata basis the premium for the period of insurance still remaining, subject to a deduction for any cost incurred in issuing your policy. All administration charges and fees are detailed in the Broker Terms of Business. Automatic Renewal When your policy is due for renewal, ebike will offer to renew it for you automatically, or inform you if terms are not available. Your renewal premium can only be honoured up until expiry of your current policy providing there have been no changes in your circumstances. If there have been changes please log into your policy online or contact ebike Customer Services team. ebike will contact you 14 days before your policy ends and, where cover is available, provide full details of your next premium and any changes in terms or change in payment dates. page 5

6 If you do not wish to renew your policy, all you will need to do is log onto your policy online and click to lapse the policy or contact the ebike Customer Services team. Please contact ebike at least 5 days prior to the start of your new policy to prevent any payment being collected. Claims Claims should be reported as soon as possible. To report a claim please contact our Claims Notification Helpline on Please note that you must report all incidents to us as soon as reasonably possible, even if you are not claiming. When you call, please have ready your current Certificate of Motorcycle Insurance ready and the details of the incident itself. Complaints Process ebike aims to provide a standard of service that will leave no cause for complaint. If you feel that these high standards have not been met please contact or write to: The Quality Manager, ebike, Brightside Park, Aust, Bristol BS35 4BL. Complaints about Claims If you have a complaint about a claim, please phone Telephone: or Taking Your Complaint Further If you remain dissatisfied with our response to your complaint you may write to the Financial Ombudsman Service at: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square London E14 9SR. Telephone: (from a landline) or (from a mobile) Website: Contacting the Financial Ombudsman Service does not affect your right to take legal proceedings. Compensation Scheme If any insurers are unable to meet their liability under this policy, you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS). This will depend on the circumstances of the claim. Further information about the compensation scheme is available from the FSCS on Insurer Information This policy is a contract solely between you and us. 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. page 6

7 Part B Your Accident Assistance & Legal protection This is a summary of Your Motor Legal Expenses Policy. It does not contain the full terms and conditions which can be found in Your Policy Wording. Accident assistance provides recovery and repair services. We can recover your vehicle if it is immobilised or unsafe to drive after an accident. If your vehicle is comprehensively insured, or if the accident was not your fault, we can arrange and manage repairs to your vehicle. In these circumstances, we can also arrange to supply you with a courtesy vehicle. (If the accident was not your fault we will arrange to supply you with a replacement hire vehicle whether we are managing repairs to your vehicle or not.) Your cover will be valid for one year. Please note that DAS Legal Expenses Insurance Company Limited ( DAS ) is the underwriter and provides the legal protection insurance under your policy. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS. The handling of your claim, via the motor claims centre is provided by DAS Law Limited on behalf of DAS. Your accident assistance & legal protection policy is a legal expenses insurance contract which helps you to recover uninsured losses and costs from the person responsible following a motor accident and provides a replacement hire vehicle. page 7

8 Significant Features And Benefits We will resolve an insured legal problem, either ourselves or through external lawyers and other experts that we will appoint. Significant Exclusions Or Limitations There are reasonable prospects of success for the duration of the claim. External costs are limited to 100,000. For more details see the following sections within Part B of your policy wording LEGAL PROTECTION: OUR AGREEMENT LEGAL PROTECTION: OUR AGREEMENT We will appoint our preferred choice of law firm to deal with your claim and will pay their costs and expenses, which include opponents costs If you want to use your choice of law firm, any costs they incur above what we would have paid our preferred law firm will be your responsibility. We will not pay them. Costs incurred before we have accepted a claim. 1 UNINSURED LOSS RECOVERY: What is Covered (i); and What is Not Covered POLICY EXCLUSIONS Unless we agree to start legal proceedings or there is a conflict of interest, we are free to choose the representative who will help you UNINSURED LOSS RECOVERY AND PERSONAL INJURY We, or if we agree it is necessary, external lawyers that we will appoint, will negotiate to recover uninsured losses and costs following an event which: (a) causes damage to your vehicle or to personal property in it; or (b) injures or causes the death of you or your passengers. MOTOR PROSECUTION DEFENCE We will defend an insured person s legal rights if they are prosecuted for a motoring offence in connection with the use or ownership of the insured vehicle It must be more likely than not that the insured person will recover damages. Anyone claiming must be in or on your vehicle with your permission when the damage and/or injury is caused. Your vehicle being used by anyone, with your permission, who does not have valid motor insurance. We will not cover parking or obstruction offences, insurance offences or challenging a fixed penalty notice. POLICY CONDITIONS 1 (a) and (b) LEGAL PROTECTION: OUR AGREEMENT 1 THE MEANING OF WORDS IN THIS POLICY: INSURED PERSON 1 UNINSURED LOSS RECOVERY and Motor Prosecution Defence: What is Covered (a) and (b) POLICY EXCLUSIONS 6 UNINSURED LOSS RECOVERY and Motor Prosecution Defence: What is covered and what is not covered page 8

9 Significant Features And Benefits VEHICLE RECOVERY We will provide a free recovery service if your vehicle needs to be repaired and is insured comprehensively. In other circumstances we can recover your vehicle at your request, although you will be responsible for paying the recovery costs. VEHICLE REPAIR We can arrange and manage repairs to your vehicle if it is insured comprehensively or if the accident was not your fault. Where a replacement hire vehicle is not provided (please see Replacement hire vehicle), and we are managing the repairs to the comprehensively insured vehicle, we can provide you with a courtesy vehicle regardless of who was at fault for the accident. Significant Exclusions Or Limitations This service is available on the mainland of England, Wales and Scotland only. This service is available on the mainland of England, Wales and Scotland only. For more details see the following sections within Part B of your policy wording ACCIDENT ASSISTANCE ACCIDENT ASSISTANCE page 9

10 Significant Features And Benefits REPLACEMENT VEHICLE HIRE We can arrange to supply you with a replacement hire vehicle following an accident involving your vehicle and another vehicle. Significant Exclusions Or Limitations This service is available in England and, Wales, on the mainland of Scotland and Northern Ireland, and the Isle of Man, Jersey and Guernsey. Replacement vehicle hire costs are payable only if the accident was entirely the other person s fault and your vehicle cannot be driven. We will choose the vehicle hire company and the type of vehicle to be hired. We will decide how long a vehicle can be hired for. You must tell us as soon as the insured vehicle becomes available for you to drive again. A replacement hire vehicle will only be provided if you meet the age and licensing rules of the vehicle hire company we choose and you must follow any terms and conditions of hire. We are unable to provide a replacement hire vehicle if the driver at fault cannot be identified or traced. For more details see the following sections within Part B of your policy wording HOW WE CAN HELP REPLACEMENT HIRE VEHICLE, What is Covered (a) and (b) 2 REPLACEMENT HIRE VEHICLE, What is Covered (ii) 2 REPLACEMENT HIRE VEHICLE, What is Covered (iii)) 2 REPLACEMENT HIRE VEHICLE What is Covered (iv) 2 REPLACEMENT HIRE VEHICLE, What is Covered (v) 2 REPLACEMENT HIRE VEHICLE, What is Not Covered page 10

11 Significant Features And Benefits MOTOR CONTRACT DISPUTES We will negotiate for the insured person legal rights in a contractual dispute arising from an agreement which the insured has entered into for: (i) the purchase, sale, hire or insuring of the insured vehicle or its spare parts or accessories; (ii) the service, repair or testing of the insured vehicle; Significant Exclusions Or Limitations (a) the settlement payable under an insurance policy (we will cover a dispute if your insurer refuses your claim, but not for a dispute over the amount of the claim). For more details see the following sections within Part B of your policy wording 2 MOTOR CONTRACT DISPUTES The insured must have entered into the agreement during the period of insurance and the amount in dispute must exceed 100 GETTING YOU TO YOUR DESTINATION We will pay either: (a) to transport your vehicle, or you and your passengers, or both to a destination(s); or You and your passengers must all go to the same destination. ACCIDENT ASSISTANCE (b) to transport you and your passengers to a hotel and reimburse the cost of your overnight hotel accommodation You will have to pay the hotel bill and claim reimbursement under your policy. The most you can be reimbursed is 50 per person, per night for accommodation. The most you can claim for the cost of your transport to the hotel and your accommodation is 500 for any one accident, theft, attempted theft, fire, or vandalism. You must send all receipts in support of your claim. DAS will decide how best to help you. 4 GETTING TO YOUR DESTINATION Conditions (i) & (ii) page 11

12 Significant Features And Benefits Pre-Payment of your motor insurance policy excess If we arrange a replacement hire vehicle and manage repairs to your vehicle, we can arrange to pay your policy excess under your comprehensive motor insurance policy. Legal advice Service Advice on personal motoring legal problems under UK and EU law. Available 24hours, seven days a week. Significant Exclusions Or Limitations You must agree to DAS pursuing the value of the excess as part of your claim for uninsured losses. You may be required to sign an agreement You must reimburse us the amount of any excess that we have paid on your behalf but have been unable to recover. Calls for advice in countries outside of England and wales are available 9am-5pm, Monday to Friday, excluding public and bank holidays. For more details see the following sections within Part B of your policy wording ACCIDENT ASSISTANCE 3 PAYMENT OF YOUR MOTOR INSURANCE POLICY EXCESS. LEGAL ADVICE SERVICE Countries Covered For legal protection: UK, EU member states and other specific European nations as stated in the policy wording. (see THE MEANING OF WORDS IN THIS POLICY: COUNTRIES COVERED in part B of the policy wording booklet for more information). Claims Procedure If you wish to make a claim, please telephone our claims helpline on as soon as possible. The telephone line is available 24 hours a day, seven days a week. The Motor Claims Centre is available 8am-8pm, Monday to Friday, 8am-5pm Saturday and 9am-5pm on bank holidays (excluding Christmas Day and New Year s Day). If you call outside these times we will take details of your claim and call you back. Legal advice service Call We will provide an insured person with confidential legal advice over the phone on any motoring issue, under the laws of any European Union country, the Isle of Man, the Channel Islands, Switzerland and Norway. Cancellation We hope you are happy with the cover our accident assistance & legal protection provides. However, you can cancel the policy without notice within 14 days of taking it out. After this you can cancel it at any time by contacting ebike via the website Complaints Procedure We always aim to give you a high quality service. If you think we have let you down, please write to our Customer Relations Department at our DAS Head Office address below. page 12

13 Or you can phone us on or us at Details of our internal complaint-handling procedures are available on request. If you are still not satisfied, you can contact the Insurance Division of the Financial Ombudsman Service at: Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square London E14 9SR You can also contact them on: (free from a landline), (free from some mobile phones) or them at Website: Your complaint may be more suitably handled by a comparable complaints scheme, the Legal Ombudsman Service. You can contact the Legal Ombudsman Service at: PO Box 6806 Wolverhampton WV1 9WJ. You can also contact them by telephone on or them at Website: Using these services does not affect your right to take legal action. DAS Head and Registered Office: DAS Legal Expenses Insurance Company Limited DAS House, Quay Side, Temple Back, Bristol BS1 6NH DAS is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if DAS cannot meet its obligations. This will be dependent on the type of business and the circumstances of the claim. You can get more information about the compensation scheme arrangements from the FSCS website, Law that applies This policy is governed by the law that applies in the part of the United Kingdom, Channel Islands or Isle of Man where you normally live. Otherwise the law of England and Wales applies. (see POLICY CONDITIONS in part B of the policy wording booklet for more information). DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. DAS Legal Expenses Insurance Company Limited head and registered office: DAS House, Quay Side, Temple Back, Bristol BS1 6NH. Website: Registered in England and Wales. Company Number DAS Law Limited is authorised and regulated by the Solicitors Regulation Authority. DAS Law Limited is listed on the Financial Conduct Authority register to carry out insurance mediation activity, including the administration of insurance contracts, on behalf of DAS Legal Expenses Insurance Company Limited. DAS Law Limited head and registered office: North Quay, Temple Back, Bristol BS1 6FL. Website: Registered in England and Wales. Company number page 13

14 Part C Breakdown Cover (Please note that this section is only applicable if mentioned within Your Motor Policy Schedule) This policy summary does not contain the full terms and conditions of the cover. Full terms and conditions can be found in the policy document. Insurer Collinson Insurance Services Limited trading as Intana is authorised and regulated by the Financial Conduct Authority. Great Lakes Reinsurance (UK) PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. The above details can be checked on the Financial Services Register: Part C Significant features and benefits Your policy includes the following benefits which are explained in detail in the Policy Wording: Call out and up to one hour s assistance at Your home or the roadside, and if necessary, transportation of You and Your vehicle to the nearest suitable repairer If the vehicle cannot be repaired the same day, transportation of You and Your vehicle to Your home or Your original destination or repairer of Your choice, or up to 300 for overnight bed and breakfast accommodation Part C - Significant or unusual exclusions and limitations There are some situations which You are not covered for. These generally involve anything You already know about or that is caused by deliberate or careless acts on Your part. Full details of these are given in the Policy Wording. The most significant exclusions of this Policy are set out below. There may be other exclusions that are significant to You, so You need to check the Policy Wording for full details. Cover does not include: Any labour charges incurred at the repairers premises see Section 1 What is not covered item b The cost of replacement parts or other materials used in the repair see Section 1 What is not covered - Item c More than six call-outs during each period of insurance see Section 1 What is not covered item f Vehicles which have not been maintained or are not in a roadworthy condition when cover is purchased see Section 4 Items 1 & 6 The use of specialist off-highway-recovery equipment or winching costs see Section 4 Item 16 The cost of draining or removing contaminated fuel or other fluids see Section 4 item 17 Any costs incurred as a result of not carrying a spare tyre and wheel for your trailer (unless it has been designed and built by the manufacturer not to carry a spare tyre) see Section 4 item 18 Any incident occurring within 48 hours of your initial purchase of this policy see Section 4 item 21 page 14

15 Cover Levels Comprehensive Policies: Included only if the cover chosen is comprehensive at inception. Third Party Fire & Theft and Third Party Only: For these policies Breakdown cover can be added to your policy at an additional cost at the start or renewal of your policy. Part C - General Conditions Type of insurance and cover provided This is motor breakdown insurance providing roadside assistance and vehicle recovery services in the United Kingdom. Eligibility requirements Cover only applies to vehicles: Being motorcycle or trailers of proprietary make see Eligible Vehicles Not used by You for Hire or Reward see Eligible Vehicles registered in the Geographical Limits see Eligible Vehicles In good roadworthy condition; maintained and operated in accordance with the manufacturer s recommendations and holds a current valid MOT Certificate if applicable see Eligible Vehicles Carrying not more than the number of persons recommended by the manufacturer and for whom seats are available see Eligible Vehicles A maximum of six assistances in any one year see Insured Incident Duration of cover This policy of insurance will run for the period shown on your Motor Policy Schedule. Your right to cancel You have the right to cancel Your Policy of insurance within 14 days from the date of issue or receipt of Policy Terms and Conditions, whichever is the later. We will refund to You any premium You have paid and will recover from You any payments We have made. Making a claim under your policy In the event of a Motor breakdown emergency please phone the following: For breakdown assistance please call: page 15

16 Making a complaint If you wish to register a complaint, please contact us: in writing The Quality Department, Intana, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN; or by phone ; or by We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may be entitled to refer it to this independent body at Exchange Tower, Harbour Exchange Square, London E14 9SR. Telephone: Financial Services Compensation Scheme Both Collinson Insurance Services Limited and Great Lakes Reinsurance (UK) PLC are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if either are unable to meet their obligations. More information can be obtained from the website. 1985EB 07/07/2015 page 16

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