Cornmarket Insurance Motor Cycle Policy Document. Motorcycle Insurance

Transcription

1 Cornmarket Insurance Motor Cycle Policy Document Motorcycle Insurance 1

2 Contents Please note that not all of the sections listed below will apply to Your policy. Those which are applicable are shown in Your schedule. Contents Customer Complaints Procedure... 3 Your Motorcycle Policy... 4 Definitions... 5 Section 1 - Legal Liability to Third Parties... 6 Exceptions to Section 1 Liability to Third Parties... 7 Section 2 - Fire and Theft... 8 Section 3 - Loss and Damage... 8 Exceptions to Section 2 and How We will settle a claim under sections 2 and/or Section 4 - Use Abroad Section 5 - No Claims Discount Section 6 - No Claims Discount Protection Section 7 - General Policy Conditions Section 8 -General Policy Exceptions Data Protection Notice of RSA Insurance Ireland Limited What to do after the accident: General Advice

3 Customer Complaints Procedure We are committed to providing our customers with a high standard of service at all times. If You have a complaint in connection with company service, the details of Your policy, perceived conflict of interest or treatment of a claim please contact Your Insurance Broker or our Customer Service team at; RSA Insurance Ireland Ltd RSA House DundrumTown Centre Sandyford Road Dublin 16 Telephone , Outside Ireland complaints@ie.rsagroup.com In the event of Your complaint not being resolved to Your satisfaction You may contact Insurance Ireland, 39 Molesworth Street, Dublin 2 Tel: or the Financial Services Ombudsman s Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2 Tel: or

4 Your Motorcycle Policy Please note that Your proposal form/statement of fact; this policy document; any endorsements that are issued, Your schedule and Your certificate of motor insurance are all part of Your policy and should be read together. Please read them all to avoid misunderstanding. They tell You which sections apply to Your policy and describe Your cover. Duty of Disclosure You must tell Us immediately of any changes in the information You have given Us in Your proposal form or Statement of Fact or any alteration in the risk which materially affects this insurance. Failure to disclose all material information could invalidate Your insurance which will result in the rejection of a claim leaving You unprotected. If You are in any doubt whether a fact is material You should disclose it. Our promise to You This document describes the contract between You and Us. The contract does not give, or intend to give, rights to anyone else. In return for You paying the premium We will insure You during the period of insurance and within the Territorial Limits under the terms set out in this policy while a valid certificate is in force. Cooling off period Please read Your policy thoroughly to make sure that it meets all Your requirements paying particular attention to policy definitions exclusions and endorsements. If it does not meet Your requirements, You can send it back to Us within 14 days and We will refund Your premium provided You have not made any claim during the 14 day period. Should You decide to return the policy to Us, You will not be able to make a claim at a later date. Payments and charges All monies which become or may become due under this Policy will in accordance with Section 93 of the Insurance Act 1936 be payable and paid in the Republic of Ireland in Euros unless We specifically say otherwise. Premiums are subject to Government Levy and/or contribution where applicable. Stamp Duty has been or will be paid in accordance with Section 5 of the Stamp Duties Consolidation Act 1999 (as amended). Contract Law and language The parties to a contract of insurance covering a risk situated in the Republic of Ireland are permitted to choose the law applicable to the contract. We propose that the contract will be governed by Irish Law. Communications between You and Us about this policy will be in English. About RSA Insurance Ireland Limited The insurer that You have entered into a contract with is RSA Insurance Ireland Limited. RSA is a registered business name of RSA Insurance Ireland Limited trading as RSA. RSA Insurance Ireland Limited, trading as RSA, is regulated by the Central Bank of Ireland. The underwriter is RSA Insurance Ireland Limited which is a member of the RSA Group. RSA Insurance Ireland Limited, RSA House, DundrumTown Centre, Sandyford Road, Dundrum, Dublin 16, company number Outside Ireland Tel: Please make sure that Your policy is what You want. If it is not, tell Us immediately. Signed on behalf of the Insurer Ken Norgrove,,CEO, RSA Insurance Ireland Limited 4

5 Definitions We / Us / Our / RSA / the Company You / Your Market Value Motorcycle Period of Insurance Rider Territorial Limits RSA Insurance Ireland Limited The person named as the insured on the schedule The market value of Your motorcycle immediately before the incident but not exceeding any value declared to Us by You prior to any loss or damage Your vehicle specified by registration number on the current Certificate of Motor Insurance The period between the inception date or renewal date, and the expiry date for which We have accepted a premium as shown on Your current and valid Certificate of Motor Insurance You, and the persons named, if any, on the valid certificate of Motor Insurance issued to You The Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands, or in transit by sea between any of those places. 5

6 Section 1 - Legal Liability to Third Parties A) What We cover We cover the People Insured in B) below if they are legally responsible for death or bodily injury; or up to 30,000,000 in respect of damage to property including legal costs and expenses for any claim or claims arising from one incident, involving Your Motorcycle B) People Insured We cover the following people for the legal liabilities described in A) above You Any rider named as a named driver in the Certificate of Motor insurance applying Any person using but not riding Your motorcycle with Your permission for social, domestic and pleasure purposes Anyone who is a passenger on Your motorcycle Any employer of a rider shown on Your certificate of insurance, as long as Your certificate of insurance allows the use Your motorcycle is put to. The legal representatives of any person who dies and who would have been covered under this section. C) Cover for Legal Costs and expenses We cover : The costs of defence up to 1000 against a charge of manslaughter or causing death by dangerous driving provided that the event causing death occurs in the Territorial Limits and the insured driver has not been accused of any offence involving alcoholic drinks or drugs or has not previously been convicted of manslaughter or causing death by reckless, careless or dangerous driving. You must have our written permission before agreeing to these costs. We may opt to pay You the maximum amount less any payments already made and have no further involvement should We so choose. Solicitors fees at a coroner s inquest, fatal inquiry or magistrates court. You must have our written permission before agreeing to these costs. Other legal fees, costs and expenses which We have agreed to in writing. D) Emergency Fees We will pay the cost of any emergency medical treatment required under road traffic laws. If We only pay emergency treatment fees, this will not affect Your No Claims Discount. (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 6

7 Exceptions to Section 1 Liability to Third Parties We will not pay for: 1) Loss of or damage to Your motorcycle or any other property which is owned by or in the care of anyone making a claim under this section. 2) Legal liability for death of or physical injury to anyone as a result of their job, except as required under Road Traffic laws. 3) Legal liability in connection with any motorcycle which belongs to or is hired to the employer or business partner of You or Your husband or wife, if there is any other insurance policy covering the same liability. 4) The legal liability of anyone who is not riding but who is claiming cover if they know that the rider does not have a valid licence to ride Your motorcycle. 5) The legal liability of anyone other than You, if they are entitled to cover under any other insurance policy. 6) Legal liability, except as required under Road Traffic laws, as a result of using a motorcycle on any part of an airport or airfield provided for aircraft movement, parking or maintenance. 7) We will not be liable for any consequences of terrorism unless We have to meet the requirements of any road traffic legislation. (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 7

8 Section 2 - Fire and Theft This section only applies if the cover listed in Your schedule is Comprehensive or Third Party Fire & Theft. What We cover Loss or damage caused by fire, lightning, explosion, theft or attempted theft to: Your Motorcycle; and accessories which are permanently fitted into or onto Your motorcycle. Section 3 - Loss and Damage This section only applies if the cover listed in Your schedule is Comprehensive. What We cover Loss or damage to: Your Motorcycle; accessories which are permanently fitted into or onto Your motorcycle. Your helmet Exceptions to Section 2 and 3 We do not cover: 1) Any excesses (the first amount of Your claim that You must pay) as shown in Your schedule 2) Loss of value or depreciation 3) Wear and tear 4) Loss of use or other consequential loss 5) Mechanical, electrical, electronic, computer failure or breakdown or breakage. 6) Damage to tyres caused by punctures, cuts or bursts 7) Damage caused by frost 8) Loss or damage resulting from Your motorcycle being taken, without Your permission, by: Your husband or wife Your boyfriend or girlfriend Your children anyone who normally lives with You 9) Loss or damage caused by deception 10) Loss of or damage to any accessory which is not permanently attached to Your motorcycle. This exception does not apply to hand luggage systems, provided they Were attached at the time of the loss or damage 11) Loss of or damage to accessories unless Your motorcycle is damaged or stolen at the same time 12) Confiscation or destruction of Your motorcycle by or under the order of any Government or Public or Local Authority 13) Loss of Your motorcycle resulting from it being repossessed and / or returned to its rightful owner (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 8

9 14) Any loss or damage if Your motorcycle keys or anything else which replaces a key (such as a special card) are left in, on, or about Your motorcycle whilst it is left unattended 15) Loss of or Damage to specialist paintwork, including any engraving or precious metals, on Your motorcycle 16) The cost of any repair or replacement which improves the motorcycle beyond its condition before the loss or damage occurred 17) Loss of or damage to Your helmet unless Your motorcycle is damaged or stolen at the same time 18) Any amount in excess of the amount shown for Helmet Cover in Your schedule for Loss of or damage to Your helmet. 19) Loss or Damage to clothing or protective equipment unless owned by the insured and damaged following and accident but only to a maximum value of 600 How We will settle a claim under sections 2 and/or 3 The maximum amount payable (less any excesses shown in Your schedule) will be: Your Motorcycle The Market Value of Your motorcycle and its accessories immediately before the incident but not exceeding any value declared to Us by You prior to any loss or damage Your Motorcycle s accessories in a claim for loss or damage to the accessories alone The manufacturer s last published retail price Your helmet As shown in Your policy schedule but not exceeding the manufacturer s last published retail price How We will settle Your claim Repairs We may choose to repair the damage, pay the amount of loss or damage, or replace Your Motorcycle with another one like it. Choice of parts We may decide to use suitable parts or accessories which are not supplied by the original manufacturer Waiting period for theft If Your motorcycle is stolen, We may wait for a period of up to 28 days before considering it lost by theft Unavailable parts If a part of Your Motorcycle or its accessories is not available or cannot be found, We will only pay the value of the part at the time of the loss or accident, but not exceeding the manufacturers last list or quoted price in respect of such a part or accessory. Salvage If We settle a claim on a total loss basis, We reserve the right to retain the salvage (what is left of Your motorcycle after the loss or damage) but will not be obliged to do so. If You retain the salvage the maximum amount payable will be reduced by the value of the salvage Hire purchase & leasing agreements If You have a hire purchase agreement or leasing agreement on Your Motorcycle, We may opt to pay the owner named in that agreement instead of You. (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 9

10 Protection and removal costs If the loss or damage to Your Motorcycle is covered We will pay the cost of taking it to the nearest repairer if it cannot be ridden. The most We will pay for this is 750 Section 4 - Use Abroad Full Cover Ireland and the UK Legal Minimum cover EU and certain other countries The whole of Your policy applies while Your Motorcycle is being used within the Territorial Limits described in the Definitions. This policy also provides the minimum cover necessary to comply with the laws on compulsory insurance of motor vehicles in all European Union countries and certain other countries which meet the requirements of the European Commission Directives. Collectively these countries are known as Green Card countries. A list of the countries covered can found at the MIB.ORG.UK Website. No cover ever applies in any other country or territory. Full Policy cover extension EU and certain other countries The whole of Your policy applies if You take Your motorcycle to any country outside of the Territorial Limits, for up to the number of days indicated under Use abroad in Your schedule If the length of any visit outside the Territorial Limits (or the total length of all visits during the period of Insurance) is greater than the number of days shown as Use abroad in Your schedule, cover reverts to the Legal Minimum cover for the countries described in Legal minimum Cover above. If You request it, We may agree to extend Your Full Cover for a longer period but You will have to pay an extra premium. The cost of delivery to You after repair is limited to the cost of delivery within the country where the loss or damage is sustained. Customs Duty If Your motorcycle is lost or damaged abroad, You may have to pay customs duty for it to be stored or repaired. We will cover this customs duty as long as: the loss or damage is covered under Your policy; and Your Motorcycle is in a country within the territorial limits (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 10

11 Section 5 - No Claims Discount If no incident occurs during the Period of Insurance which results in a claim, Your No-Claims Discount will increase in line with our usual scale. If an incident occurs during the period of insurance which results in a claim, Your No-Claims Discount will reduce in line with our usual scale. You cannot transfer Your No-Claims Discount to anyone else. Section 6 - No Claims Discount Protection This section only applies if it is listed in Your schedule. If You have chosen no-claims discount protection, We will not reduce Your no-claims discount unless You have more than one claim in any one period of insurance. If more than one claim occurs in any one period of insurance: We will reduce Your no-claims discount in line with our usual scale; this section will no longer apply; and section 5 will apply (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 11

12 Section 7 - General Policy Conditions These policy conditions apply to the whole policy Reporting a claim You must tell Us immediately about any incident or legal proceedings which may lead to a claim. If there has been a theft or attempted theft, You must also tell the gardai immediately We will send an Accident or Theft Report form which You should compete and return immediately We may ask You to provide further details in writing together with any evidence which We may need. If You receive a writ, summons or other legal documents or letters, You must send them to Us immediately. You must not answer any letters without our written permission. We will not refuse permission without a good reason. You must advise Us immediately of the time and place of any impending prosecution or inquest or fatal inquiry You should use reasonable endeavours to obtain the names and addresses of all witnesses. Assessing Your Claim Fraud Changes in risk You must give Us whatever help and information We ask for. You must not admit or deny a claim or negotiate or promise to pay a claim without our written permission. We will not refuse permission without a good reason. We will not pay any claim, and We may void this policy if: You make a false claim or deliberately exaggerate Your claim; You send Us false or invalid declarations, statements or documents to support Your claim or; any part of Your application for this insurance/ Statement of Fact; or any further changes You ask for under this policy are deliberately or negligently fraudulent. In this event You will have to refund Us the value of any previously settled claim. You must tell Us immediately about any change in risk which could affect Your policy. For example, You must tell Us if any of the following happens You or any other rider has been convicted of any motoring offence including Fixed Penalty Offences or has any prosecutions outstanding. You or any other rider has been involved in any accidents, losses or thefts, whether a claim was made or not. You or any other rider has been convicted of a criminal offence or has any possible prosecutions outstanding. The main rider of Your motorcycle changes. The registered owner of Your motorcycle changes. You change Your motorcycle for another one. Any modifications are made to Your Motorcycle. You change the place where You usually keep Your motorcycle. Any rider develops a health condition which may affect their riding. This is not an exhaustive list of changes that You must tell Us about. If You are not sure whether to report any change, please speak to Us. We may re-assess Your cover and premium as a result of any important information You give Us. If You fail to disclose all relevant information, Your (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 12

13 policy may not be valid and We may reject Your claim. Looking after Your Motorcycle and preventing loss Cancelling Your policy You must do everything possible to prevent loss or damage and keep Your motorcycle in good condition. When required by law Your motorcycle must be covered by a valid vehicle test certificate compliant with that law. You must allow Us to examine Your motorcycle at all reasonable times. We may cancel Your policy. If We do this, We will write to You at Your last known address. In this letter We will confirm the date on which all cover will end. If this policy does not meet Your requirements, You can send it back to Us within 14 days and We will refund Your premium provided You have not made any claim during the 30 day period. Should You decide to return the policy to Us, You will not be able to make a claim at a later date. You can cancel Your policy outside of the 14 day period above. To do this You must write to Us and return Your certificate of insurance. If We receive confirmation that no claim is made or will arise, We will give You a refund on Your premium for any remaining period of cover. If You cancel in the first year, our short-period charges will apply: Period not exceeding Percentage of annual premium retained 1 Month 2 Months 3 Months 4 Months 5 Months 6 Months 7 Months More than 7 Months 20% 30% 40% 50% 60% 70% 80% 100% If a claim is made or will arise, We will not give You a refund on Your premium. Other Insurance Taking Over Your Rights Our Right to Reclaim Payments Mid Term Alterations - Minimum Premium If a claim under Your policy is also covered by other insurance, We will only pay our share of the claim. If You make a claim, You must be prepared to take any steps We ask You to take to protect Your rights. You must also be prepared to allow Us to act in Your name and take any steps We feel are necessary to protect Your rights. This may mean that We will pay any costs and expenses involved. We may claim back from You any payment which We make under Your policy because of the requirements of any law that We would not have paid if that law had not existed. Should any change to the cover agreed by the Company result in an additional or return premium under 25 no charge or rebate will apply in respect of such sum. (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 13

14 Section 8 -General Policy Exceptions These exceptions apply to the whole policy. We do not cover: Riding Liability which results from an agreement Radioactive Contamination War risks Terrorism any loss, damage or liability if Your motorcycle is being: ridden by or in the care of someone who is not shown as a person whose liability is covered on Your Certificate of Motor Insurance; ridden by someone who does not have a valid licence unless he or she has held one and is not disqualified from getting another one; ridden by someone who does not meet the conditions of their licence, except as required by Road Traffic laws; any liability which results only from an agreement You or another rider has made with someone, unless that liability would have existed without such an agreement; any loss, damage or liability caused by: ionising radiation or radioactive contamination from nuclear fuel or nuclear waste from burning nuclear fuel; or the radioactive, toxic, explosive or other dangerous properties of any nuclear equipment or nuclear parts; any loss, damage or liability caused by war, invasion, act of a foreign enemy, hostilities or warlike operation, civil war, rebellion, revolution, uprising, insurrection, riot, civil unrest or any similar event, except as required under Road Traffic laws; any loss, damage or liability, cost or expense, except as required under Road Traffic laws directly or indirectly caused by resulting from or in connection with: any act of terrorism, regardless of any other cause contributing at the same time or in any other sequence to the loss or; any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism;. In this exclusion, terrorism means any act and/or threat of force or violence by any person, acting alone or on behalf of or in connection with any organisation or government, committed for political or other purposes with including the intention to influence any government and/or to put the public or any section of the public in fear; If We maintain that any loss damage cost or expense is not covered by this policy because of this exclusion, You will be required to prove that it is covered. If any part of this exclusion is found to be invalid or unenforceable, the rest of it will continue in force and effect; Sonic bangs Pollution any loss, damage or liability caused by pressure waves from aircraft and other flying objects travelling at or above the speed of sound; Unless required by Road Traffic Laws, any loss, damage or liability caused by pollution or contamination, unless the pollution or contamination is the direct result of a single incident which happens during the Period of Insurance. To qualify for cover, the incident must be sudden, identifiable, unintended and unexpected. All pollution caused by one incident will be considered to have happened at the time the incident took place; (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 14

15 Drink or Drugs Use Electronic equipment failures any loss, damage or liability arising out of an accident as a result of which the authorised rider is convicted of being under the influence of drink or drugs; any loss, damage or liability if Your motorcycle is used other than in accordance with the Certificate of Motor Insurance; any loss, damage or liability that arises from or is contributed to by 1) the failure of any electronic equipment to: a) correctly recognise, capture, save, retain, interpret, manipulate or process data b) correctly process any data information, command, or instruction whether programmed into the equipment or not 2) the interruption of or interference with data in electronic equipment resulting in the corrupt transmission of data or corruption of data 3) the transmission or impact of any Virus, Worm, Logic Bomb, Trojan Horse or the like 4) unauthorised access to a system or data In this exception data means information represented or stored electronically and includes code, a series of instructions, operating system software, programs and firmware. (THE GENERAL EXCEPTIONS AND CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY ARE SHOWN ON PAGES 12 TO 15) 15

16 Data Protection Notice of RSA Insurance Ireland Limited RSA Insurance Ireland Ltd recognise that protecting personal information including sensitive personal information, is very important and We recognise that You have an interest in how We collect, use and share such information. Please read the following carefully as it contains important information relating to the information that You give Us or has been provided to Us on Your behalf. If You provide information relating to anyone other than Yourself, You are responsible for obtaining their consent to the use of their data in the manner outlined below. What does RSA do with Your Personal Data Information You provide will be used by RSA for the purposes of processing Your application and administering Your insurance policy. RSA may need to collect sensitive data relating to You (such as medical or health records or convictions) in order to process Your application and/or any claim made. All information supplied by You will be treated in confidence by RSA and will not be disclosed to any third parties except (a) to our agents, sub-contractors and re-insurers (b) to third parties involved in the assessment, administration or investigation of a claim, (c) where Your consent has been received or (d) where permitted by law. In order to provide You with products and services this information will be held in the data systems of RSA or our agents or subcontractors. RSA may pass Your information to other companies for processing on its behalf. Some of these companies may be based outside the EEA, but in all cases RSA will ensure that its transfers of data are lawful and that Your information is kept securely and only used for the purposes for which it was provided. Calls to RSA may be recorded for quality assurance or verification purposes. Fraud Prevention, Detection & Claims History In order to prevent and detect fraud and the non-disclosure of relevant information RSA may at any time: Share information about You with companies within the RSA Insurance Group, other organisations outside the RSA Group including where applicable private investigators and public bodies including An Garda Síochána; Check and / or file Your details with fraud prevention agencies and databases, and if You give Us false or inaccurate information and We suspect fraud, We will record this. RSA may also search these agencies and databases to: Help make decisions about the provision and administration of insurance, credit and related services for You ; Trace debtors or beneficiaries, recover debt, prevent fraud and to manage Your insurance policies with RSA; Check Your identity to prevent money laundering, unless You furnish Us with other satisfactory proof of identity; Undertake credit searches and additional fraud searches. Insurance Link Database Information about claims (whether by our customers or third-parties) made under policies that We provide is collected by Us when a claim is made and is placed on an insurance industry 16

17 database of claims known as Insurance Link. This information may be shared with other insurance companies, self insurers or statutory authorities. Insurance companies share claims data: a. to ensure that more than one claim cannot be made for the same personal injury or property damage b. to check that claims information matches what was provided when insurance cover was taken out c. and, when required, to act as a basis for investigating claims when our recorded information is incorrect or when We suspect that insurance fraud is being attempted. The purpose of Insurance Link is to help Us identify incorrect information and fraudulent claims and, therefore, to protect customers. Guidelines for sharing Your information with other insurance companies, self-insuring organisations or statutory authorities are contained in the Data Protection Commissioner s Code of Practice on Data Protection for the Insurance Sector which is available at Under the Data Protection Acts 1988 and 2003 You have a right to know what information about You and Your previous claims is held on Insurance Link. If You wish to exercise this right then please contact Us at the address below. How to contact Us On payment of a small fee You are entitled to receive a copy of the information We hold about You and to seek rectification of any inaccurate data. If You have any questions, or You would like to find out more about this notice You can write to the Data Protection Officer, RSA Insurance Ireland Ltd, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin

18 The following pages are for Your assistance only and do not form part of this policy. What to do after the accident: 1) People are more important than property, so Your first priority should be to check whether anyone is injured and look after them. Call for medical help if necessary 2) Always stop if You are involved in an accident and exchange: a. Names and addresses (including those of any witnesses) b. Details of insurance companies (including policy numbers if known) and c. Vehicle registration numbers. 3) Do not admit You are to blame or offer any payment. It could make it more difficult for Us to handle Your claim and may affect Your rights 4) Draw a diagram of the accident scene. This should include: a. The position of the vehicles or motorcycles before and after the accident b. The road layout c. Any obstructions to Your or other road user s vision d. The position of any witnesses and e. Anything else which could be relevant to the cause of the accident (for example speeds and distances involved and weather conditions). 5) If anyone is injured, You must show Your motor insurance certificate to the Gardai or to anyone who has a good reason for seeing it. If You can t do this at the scene, You must report the accident to the police within 24 hours and produce Your certificate then. 6) If You receive any letters or documents about the accident, please send them unanswered to Us. 7) If You motorcycle is stolen, You should report the incident to the police as soon as possible. 8) Remember that Your broker is there to help You if You need to make a claim. Please contact them immediately on the number shown in Your policy summary. Claims notification Please advise Us immediately of the accident and complete an accident report form as soon as possible afterwards. We or Your Broker will give You any assistance You may require. If You receive any correspondence from another person involved in an accident with You, or their legal representatives, pass it on to Us or Your Broker without delay and without reply. Drivers You should never, under any circumstances, allow an uninsured rider, i.e. a person who is not named on Your Certificate of Insurance, to use Your motorcycle. If You do, You will be personally liable for any accident that happens - Your insurance policy will not cover You. If You are in any doubt on this or any other matter do not hesitate to contact Your Broker who will be delighted to assist You. Guidance When Making a Claim Our Claims Service We take pride in the claims service We offer to our customers. If Your motorcycle is stolen or damaged following an incident which is insured under Your policy, our team of experts will do all they can to get You back on the road. We recognise the value of Your motorcycle and our aim is to get repairs done as quickly as possible using a professional repairer of Your choice. 18

19 The following pages are for Your assistance only and do not form part of this policy. We will arrange for the damaged motorcycle to be examined by one of our motor engineers to agree the repairer cost with Your repairer. If We settle a claim on a total loss basis, We reserve the right to retain the salvage. What to do when You need to make a claim In the event of a claim it is important that You comply with all policy conditions as set out in this policy booklet and You should familiarise Yourself with these requirements. Directions for claim notification are included under conditions which apply to Your whole policy and events that may give rise to a claim must be notified as soon as reasonably possible. You should initially notify Us of Your claim by phone. Your initial claim contact number is shown in Your policy summary. We will send an Accident or Theft Report form which You should complete and return immediately Ideally when You call You will provide: Name, address and contact phone number(s) (for You and the driver of Your motorcycle if not You). We will ask for information about convictions so please try to have driving licence(s) available when You call Personal details necessary to confirm Your identity Your policy number Information about Your motorcycle and any damage it sustained Details of the accident or claim circumstances (when, where and how it happened) Details of any witnesses and the Gardai or any other emergency service that was called Details of the other party or parties involved including information that anybody might have sustained Where appropriate Your thoughts on who was to blame for the accident We may request additional information (e.g. a sketch plan). Also, sometimes We may wish to meet with You or undertake further investigations, but We will advise You about that when You call to report the incident. Claims conditions require You to provide Us with any reasonable assistance or evidence that We require. General Advice What to do if Your details change 1) If You change Your motorcycle If You change Your motorcycle, please tell Your broker immediately. You must get a cover note or a new certificate of insurance before You ride it. You must also return the old certificate to Us. Your broker will let You know about any change in Your premium and will send You an updated policy schedule and certificate. We ll need to know the full details of Your new motorcycle (for example its make and model, registration number and engine size). We ll also need to know whether the motorcycle is owned or registered in another person s name and if it has been modified. 2) If You want to change riders Your current certificate of insurance shows who is covered to ride Your motorcycle. If You want to change any of the names, please contact Your insurance broker straight away. 19

20 The following pages are for Your assistance only and do not form part of this policy. 3) If You change address Please contact Your broker with full details of Your new address, including any changed garaging details, as soon as You know them. They will then let You know about any change in Your premium and send You an updated policy schedule. 4) If You want to take Your motorcycle abroad If You are travelling abroad, please tell Your insurance consultant how long You are travelling for. Your policy provides free foreign cover for visits to: All European Union Countries Certain other countries which meet the requirements of the European Commission Directives The number of days of free foreign cover is shown as Use abroad in Your policy schedule. We can also provide a Green Card as proof of insurance, although this is no longer necessary for a visit to many of the countries listed above. You may have to pay an extra premium for this foreign use. 5) If any other circumstances change You must tell Your insurance consultant about any other changes immediately, for example: If You or any other rider has been convicted of a motoring offence including a fixed penalty offence; or has any prosecutions outstanding; If You or any other rider has been involved in any accidents, losses or thefts, regardless of whether a claim was made; If You or any other rider has been convicted of a criminal offence or have possible prosecutions outstanding; If the health of any rider has changed; If the main rider of Your motorcycle changes If the registered keeper or ownership of Your motorcycle changes If there is a change in use of Your motorcycle (for example, business use is required); or If You make any modification to Your motorcycle (for example, changes which may affect the motorcycle s performance). If You are not sure whether to report a change, please contact Your insurance broker. How to make Your motorcycle more secure Take care where You park Your motorcycle. If You have a garage at home, please use it. When You are away from home, try to use secure car parks. If this isn t possible, avoid parking in back streets or quiet areas because these are ideal working conditions for a thief. If You have to leave Your motorcycle outside at night, always try to park in a Well lit and busy area and secure it by locking it to a solid immovable object with a good quality lock and chain Take Your key out of the ignition when You leave the motorcycle (for example, at a petrol station) even if it is only for a few seconds. If You leave the key in the motorcycle and it is stolen, Your policy will not cover the theft 20

21 The following pages are for Your assistance only and do not form part of this policy. Fit extra security measures such as a high quality lock and chain, an engine immobiliser, alarm system, or a tracking device. Use a security marking kit Use a ground lock with a high quality lock and chain even when Your motorcycle is parked outside Your home or in a locked garage. Take care where You leave Your motorcycle keys once they are removed from the motorcycle. When You are away from home, keep them with You at all times. Do not leave them unattended for example, in a coat or purse. When You are at home, try and keep them away from Your front door, as thieves have been known to fish through the letter box to get hold of them. Riding Other Motorcycles If the wording on your certificate includes the driving of another motorcycle, you as the policyholder may drive, with the permission of the owner, a motorcycle not belonging to You and not hired to You under a hire purchase or leasing agreement. Cover in respect of such a vehicle is for Third Party risks only. This policy is underwritten by RSA Insurance Ireland Limited RSA is a registered business name of RSA Insurance Ireland Limited. RSA Insurance Ireland Limited is regulated by the Central Bank of Ireland. It is a private company limited by shares registered in Ireland under number with registered office at RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16 ADE1001 (02/15) 21