YOUR MOTORCYCLE POLICY BOOKLET

Transcription

1 YOUR MOTORCYCLE POLICY BOOKLET

2 2013 CAR INSURANCE Our Poicy gives you 5 Star Protection Hastings Direct and Premier motorcyce insurance poicies have been awarded a 5 Star Rating from Defaqto, the independent financia research company. This is great news for us and our customers as it supports our goas of deivering great straightforward service to our customers, as we as being the owest cost provider of quaity genera insurance. Most of a it means we can be confident that our motorcyce insurance products are not ony a great price, but are some of the most comprehensive poicies on the market. What is a Defaqto Star Rating? Defaqto are an independent financia research company who speciaise in coecting, researching and sharing financia product information. Since 1994 they have buit a comprehensive, whoe of market, financia product information database and become one of the eading providers of financia product information in the UK. Defaqto Star Ratings are a simpe, reiabe way to identify at a gance the overa eve of features or benefits within an insurance poicy - whether a customer needs a simpe poicy, one with ots of features and benefits or something in between. Find out more at Consumer Moneyfacts Car Insurance Provider of the Year 2012 Best Company - First Cass 2012 Persona Lines Intermediary of the Year, 2012 Customer Service Provider of the Year, UK Broker Awards Persona Lines Broking Initative of the Year, British Insurance Awards

3 Contents Caims service 4 Traveing Abroad 5 Important Notice 5 Consumer Insurance (Discosure and Representation) Act Caring for our customers 6 Keeping your poicy up to date 7 Our Terms and Conditions Whose products do we offer? 8 Who reguates us? 8 Ownership and cose inks 8 What is the insurance intermediary service we provide you with? 8 What wi you have to pay for our services 9 Cient money and instaments 10 Introducer arrangements 10 Your right to cance 11 Data protection 12 Credit checks 12 Continuous Insurance Enforcement and the Motor Insurance Database 13 Fraud prevention and detection 13 Your Motorcyce Insurers Poicy Wording Information about your poicy documents 16 Contract of insurance 16 Meaning of words 17 Guide to cover 18 Section 1. Damage to your motorcyce (except that caused by fire or theft) 19 Section 2. Damage or oss by fire or theft 21 Section 3. Liabiity to third parties 23 Section 4. Using your motorcyce abroad 24 Section 5. No-caim discount 25 Genera Exceptions 25 Genera Conditions 27 Canceing this poicy Endorsements 29 Important guideines when traveing abroad 29 Your Lega Protection and Hemet and Leathers Cover Poicy Wording Motor Lega Protection 35 Hemet and Leathers Cover 41 3

4 Caims service We hope that you are never unfortunate enough to have an accident or oss, however we aso know that these things happen and that the true vaue of your motorcyce insurance ies in the service you receive at this difficut time. You shoud notify us of any accident or oss within 24 hours of the occurrence. By notifying us as soon as possibe, your insurer can sette your caim quicker and if your motorcyce is repairabe, arrange for one of their nominated repairers to be notified as soon as possibe. Furthermore quicky notifying us of the incident means that the detais are fresh in your mind and can hep your insurer essen the cost invoved in deaing with your caim, heping them to keep their prices as ow as possibe. What to do: If you have an accident, remember STOP: S T O P Stop at the scene of the accident, never admit bame or offer to pay for damage, and te us if anyone ese does Teephone us on , even if you do not want to make a caim Obtain the name, address, teephone number and vehice registration of the other drivers and give yours in return Poice. Ca the poice if there has been an injury or if any driver does not stop at the scene or give their detais If you need to make a caim: If you become aware of any insurance reated incident, you must te us, even if you don t want to make a caim. Simpy ca our friendy team on Remember to save this number in your mobie phone (if you have one) so you wi have it avaiabe if an incident occurs Our caims hepine is open 24 hours a day, 365 days a year and is a first response service with operators who can confirm whether your poicy covers you for the incident. When you ca us, we wi ask you some questions about the circumstances of the incident, we wi then transfer you to your insurer s caims department who wi take the next steps. What to do in the event of a caim for Motor Lega Protection If you need to make a caim, pease ca: Motor Lega Protection What to do in the event of a caim for Hemet and Leathers Cover If you need to make a caim, pease ca: Hemet and Leathers Cover

5 Traveing abroad? Your current Premier Motorcyce Insurance poicy is automaticay extended to incude trave in the EU and the countries specified in Section 4 for up to 90 days per trip. Pease read Section 4 for fu detais. If you intend to trave for more than 90 days per trip or visit countries not specified, your poicy cover may be extended for the trip or for these countries. Pease ca our Customer Service Department on at east 7 days before the date of your departure. You wi have to pay an additiona premium for this. Important notice You wi enter into separate contracts when you take out an insurance poicy through us. The first contract is with us for arranging and administering your insurance poicy, on your behaf, and we sha charge you an arrangement and administration fee for providing our services. Our terms and conditions are set out in this document. Other contracts are with the reevant insurer for your Motorcyce Insurance poicy, Motor Lega Protection poicy and Hemet and Leathers poicy. For your motorcyce insurance poicy, the insurer is noted on your certificate of motor insurance and your poicy schedue.this contract is for providing your insurance and they sha charge you a separate premium incusive of insurance premium tax. Their terms and conditions are set out in this document (pages 14-31), the statement of motor insurance, poicy key facts and the certificate and schedue, a of which are in your wecome pack. For your Motor Lega Protection poicy, the insurer is noted on page 33 of this document. Their terms and conditions are set out in this document (pages 33-38). For your Hemet and Leathers poicy, the insurer is noted on page 39 of this document. Their terms and conditions are set out in this document (pages 39-43). The combined arrangement and administration fee and premium wi form the tota cost of the insurance and the amounts paid in respect of the cover you hod are found in the covering etter in the wecome pack. Pease note that when we are arranging your insurance on your behaf or making any adjustments to it we are acting on your behaf as your agent. When deaing with caims for Advantage Insurance Company Limited we are acting as the agent for the insurer. A other insurer caims wi be deat with by the insurer concerned. If you are unhappy or concerned with this arrangement or wish to have more information pease do not hesitate to contact us. Consumer Insurance (Discosure and Representation) Act 2012 Under the Consumer Insurance (Discosure and Representation) Act 2012, you have a duty to take reasonabe care to answer a questions as fuy and as accuratey as possibe. If you vounteer information which is over and above that requested you must do so honesty and carefuy. You shoud check your Proposa/Statement of Fact/Statement of Insurance to ensure that a facts given are correct. It is an offence to make any fase statement or withhod any information for the purpose of obtaining a certificate of motor insurance. Faiure to answer a questions fuy and accuratey coud invaidate your insurance cover and coud resut in a or part of a caim not being paid. 5

6 Caring for our customers It is aways our intention to provide you with a high eve of customer service. However, if our service ever fas beow the standard you woud expect, pease et us know by foowing the procedure beow: If you are dissatisfied with the service provided by Hastings, the best way to contact us is via e-mai at the address beow, you may aso contact us by phone or etter [email protected] Te: (Customer Service Hepine) Customer Reations Department, Hastings Direct, Conquest House, Coington Avenue, Bexhi-On-Sea, East Sussex, TN39 3LW If you make a compaint and it cannot be resoved immediatey or by the end of the next working day, we wi send you a written acknowedgement, typicay within five working days. This acknowedgement etter wi et you know who is deaing with your concerns. We wi endeavour to resove the matter as soon as possibe. We wi fuy investigate your compaint using a the information avaiabe to us, and our Customer Reations Department wi make every effort to address your concerns. To ensure we dea with your compaint fuy our investigations can sometimes take a itte onger. If they do, we wi provide you with a fina response usuay within four weeks or expain our position and provide timescaes for responding. If our investigations take onger than four weeks we wi keep you fuy informed of the position unti we are abe to provide you with a fina response. If you are sti not happy and your insurance is at Loyd s, you may contact the Poicyhoder and Market Assistance department at Loyd s to review your case. The address is: Poicyhoder and Market Assistance, Loyd s Market Services, One Lime Street, London, EC3M 7HA. Te: Fax: Emai: [email protected] Shoud we fai to offer you a fina response within eight weeks of the initia date of your compaint, or if you are not satisfied with our response, you may refer the dispute to the Financia Ombudsman within six months of receiving our fina response etter. Their address is: Financia Ombudsman Service South Quay Paza, 183 Marsh Wa London, E14 9SR Te: or Emai: [email protected] Nothing in this process wi adversey affect your rights of aw. Financia Services Compensation Scheme (FSCS) We are covered by the FSCS. You may be entited to compensation from the scheme in the unikey event we cannot meet our obigations to you. This depends on the type of insurance, size of the business and the circumstance of the caim. Further information about the compensation scheme arrangements is avaiabe from FSCS. Their address is: FSCS, 10th Foor, Beaufort House, 15 St. Botoph Street, London EC3A 7QU Te: or Emai: [email protected] If you have any questions, or this poicy does not meet your needs, pease ca our Customer Service Department on (8am to 9pm Monday to Friday, 9am to 5.30pm Saturday and 10am to 5pm Sunday). 6

7 Keeping your poicy up to date The terms of your poicy and premium are based on the information you have given us. If any of this changes you shoud te us by caing our Customer Service Department. Beow are some exampes of what you shoud te us. Pease note this ist is not exhaustive and you shoud contact us if you are unsure about whether you need to inform us of a change. Any changes to your poicy wi be subject to your insurers agreement and may not be acceptabe, therefore pease contact us for guidance on changes you wish to make. If a change to your poicy is acceptabe it may resut in revised terms and/or a change in the premium. Pease te us immediatey if: You or any insured riders are invoved in an accident, no matter how trivia and regardess of faut; or You change your address or you or any insured riders change occupations; or Your or any insured riders driving icence is revoked either temporariy or permanenty, or the status of the driving icence has changed, e.g. if you or any insured rider has passed their driving test. Pease te us about the foowing beforehand: If you intend to ater your motorcyce, incuding cosmetic changes If you intend to change your motorcyce. If you intend to change what you use your motorcyce for. If you want to incude other riders. Pease te us about the foowing when you renew your poicy: Shoud there have been any changes to the insurance detais of: You or Any other person named as a rider under this poicy, such changes to insurance detais incude, but are not imited to: a) A change of vehice, address, occupation or use of the vehice. b) Any riders you may wish to add to or remove from the poicy. c) Any accidents, caims, osses or damages to any vehice, whether or not a caim was made and regardess of bame. This incudes a types of caims, damages or accidents such as fire or theft. Any prosecutions or motoring convictions that you or any insured drivers have received during the year, or any pending prosecutions, motoring convictions or fixed penaty notices or icence endorsements. Any medica or physica condition or disabiity, for you or any insured riders, that is notifiabe to the Driver and Vehice Licensing Agency(DVLA) /Driver & Vehice Agency Northern Ireand (DVANI) which has not been notified to and accepted by the DVLA/DVANI. Any non-motoring convictions for a riders that are not considered spent. A spent conviction is one which, under the terms of the Rehabiitation of Offenders Act 1974, can be effectivey ignored after a specified amount of time. If however you have received a prison sentence of more than two and a haf years, your conviction wi never become spent. Renewa terms wi be offered based on the information you provided as shown on the Statement of Renewa. Pease check the accuracy of this information. And if any detais are incorrect you shoud te us and ca our Customer Services Department on Pease take reasonabe care to ensure a questions have been answered honesty and to the best of your knowedge. If you don t answer the questions correcty your poicy may be canceed or your caim rejected or not fuy paid 7

8 OUR TERMS AND CONDITIONS Whose products do we offer? We can arrange the foowing products on your behaf with a range of insurers. If you woud ike a ist of the insurers we dea with pease ask. Home Motor Motorcyce Van For each optiona additiona product we ony use a singe provider, detais of which are provided in our optiona additiona products booket. Who reguates us? Hastings Insurance Services Limited is authorised and reguated by the Financia Conduct Authority (FCA). Our FCA registered number is You can check our registration on the FCA's register by visiting their website or by contacting the FCA on Our permitted business is arranging, deaing as agent and assisting in the administration of non - investment insurance contracts. Ownerships and Cose inks Hastings Insurance Services Limited is whoy owned by Hastings (UK) Limited (registered in Engand and Waes number ) which, in turn, is whoy owned by Hastings (Hodings) Limited (registered in Engand and Waes number ) which, in turn, is whoy owned by Hastings Insurance Group Limited (registered in Jersey number ) ("HIG"). If we have arranged your insurance with Advantage Insurance Company Limited, which is whoy owned by Advantage Goba Hodings Limited ("AGH"), we shoud advise that AGH is aso whoy owned by HIG. Wherever we arrange a poicy underwritten by Advantage Insurance Company Limited we wi advise you of this connection before you commit to buy. What is the insurance intermediary service we provide you with? We wi provide you with sufficient information to enabe you to make an informed decision on your purchase. As We wi not make a forma recomendation pease consider a information carefuy to ensure the product(s) meet your requirements before you decide to proceed. Our service incudes: arranging your insurance cover on your behaf with insurers to meet your requirements; and heping you with any ongoing changes you have to make, such as amendments to the cover, use and property insured. We wi aso arrange the canceation of your poicy and arrange cover with an aternative insurer if your requirement to amend your poicy is not acceptabe to your origina insurers. Additionay we wi arrange optiona additiona covers such as Keycover and Persona Accident where these meet your needs. We wi aso arrange the renewa of your insurance. 8

9 What you have to pay for our services We make the foowing charges for administering your insurance. Your insurer may charge a premium for any changes you make to your poicy and wi charge a premium for the time you have been on cover shoud you decide to cance your poicy. These premiums wi be in addition to our fees, which are for our services ony. Each fee is non-refundabe and is payabe at the time of the transaction to which it reates Service Poicy arrangement & administration Arranging your new poicy ( 0 if quoted and accepted on our website) Arranging your Renewa 5.00 Posta deivery 5.00 Amendments to your poicy made by you A other amendments not isted beow Change of registration number Add/amend an accident or convictions 0 Amend vehice security 0 Amend day time/over night parking 0 Amend mieage 0 Amend occupation 0 Amend name/marita status 0 Correct an error by one of our advisers 0 Amendment to your poicy made by our business administration team As part of our new business process our business administration team wi check your information and may have to make amendments to your poicy to correct the information we hod. Any amendments made as a resut of these checks wi resut in payment of our administration fee *Canceation - for fu detais of your right to cance see page 11 Canceation (after 14 days) if you take up aternative cover from Hastings Direct 0 Canceation (within 14 days)* Canceation bike (after 14 days) Dupicate documentation Sent via e-mai or fax 0 Resent by post due to not being received within 6 weeks of the start of the poicy 0 Sent via post Faied payments Cheque/Direct debit Method of Payment Charge Payments by debit card 0% Payments by credit card 1.25% *reduced to 25 if canceed within the 14 day cooing off period whether cover has commenced or not. If we give a discount on our fees and/or the insurer's premium at the inception of your poicy, and the poicy is subsequenty canceed we sha be entited to reduce the amount of any refund to enabe us to recaim the unused portion of the discount. Fee 9

10 Cient Money and Instaments A money received by us in respect of insurance premiums is hed on behaf of the reevant insurer so that you have no risk in the event of our insovency. The tota price of your insurance is shown in your documents incuding insurance premium tax where appicabe. For ega purposes, we are required to inform you of the possibiity that other taxes or costs may exist that are not paid through or imposed by us, however, we are not aware of the existence of any other taxes or costs currenty payabe. When deaing with any amendments or aterations to your poicy, we wi not coect or refund any amounts under 1. Pease note that any interest earned by us and any investment returns on any segregated designated investments wi be retained by us. If you fai to pay us any money you owe us on the due date and we instruct any third party to coect this money from you, you agree that you wi pay the reasonabe costs of the third party for coecting the money for us. We use a third party to coect and store card detais in accordance with industry standards. We wi use the card detais stored on our behaf to coect payment for mid-term changes, defauted instaments incuding the associated fee, baances foowing canceation and for the renewa of your poicy. We wi inform you in advance of doing so. In the event of you receiving an overpayment, we wi attempt to recover our funds using the credit/debit card stored on our behaf. If payment is initiay made by debit/credit card any refund wi be made to the same card in accordance with the Terms and Conditions of the card issuer. A other refunds wi be made by cheque. We are unabe to give cash refunds. If you do not pay for your insurance you shoud show these detais to the person who paid on your behaf. If you pay using our Direct Debit faciity for any adjustments to your premium over the term of your oan, we hod the right to ask for part or fu payment of any additiona amount. Any return of premium wi be used to reduce your oan amount. If you fai to pay us any money you owe to us on the date due and we instruct a third party to coect this amount you agree to pay our reasonabe costs in the form of fees and reated interest charges and the reated fees and costs of the third party coecting this amount on our behaf. If you do not pay for your insurance, you shoud show these detais to the person who paid on your behaf. Introducer arrangements A third party may have introduced you to us and for this the introducer may be paid a fee by us. 10

11 Your right to cance This section contains important notes about your rights of canceation. You must read these notes carefuy. You can cance your poicy at any time by contacting us, we can cance your poicy by sending you a seven-day notice in writing to your ast known address. If your poicy is canceed, we wi refund your premium as foows: If you or we cance the poicy within the 14-day withdrawa period, whether cover has commenced or not, we wi refund the part of the premium not used subject to our canceation fee of 25 and any charge made by the insurer. If you or we cance the poicy at any other time, we wi refund the part of the premium not used subject to our canceation fee of 35 and any charge made by the insurer. You may not receive a refund of premium if you have made a caim, or if one has been made against you, during the period of insurance. If you are paying by instaments and a caim has been made, you may have to pay the baance of the fu annua premium. Where cover is canceed within the first 14 days from the start date of your poicy, your insurer may appy a minimum premium for that period of cover. This wi not exceed 15 pus pus Insurance Premium Tax at the current rate and wi be payabe in addition to our canceation fee. If you decide you do not need or no onger require your Motor Lega Protection or Hemet and Leathers Insurance cover, we wi cance your Hastings Premier Motorcyce Insurance cover with immediate effect. We wi endeavour to provide you with aternative cover for your vehice, subject to terms. We wi refund your premium in accordance with the points above. Motorcyce poicies We wi ony cance a Motor Poicy at your request if you meet the ega requirement to return the certificate of motor insurance to us. If you have ost the certificate of motor insurance, you must send in a competed written decaration confirming that you wish to cance and no onger have the certificate of motor insurance in your possession. Optiona Additiona Products The poicies shown in bod beow can be canceed at any time. However, uness they are canceed within the 14-day withdrawa period, they wi be subject to no return in premium. Breakdown, Persona Accident, Keycover and Excess Protection Insurance - Motor. Notes The address to return your poicy document to is: Hastings Insurance Services Ltd, Conquest House, Coington Avenue, Bexhi-on-Sea, East Sussex, TN39 3LW. The withdrawa period of 14-days commences from the time the contract is concuded. The contract is concuded, when you receive the documents from us. We are entited to assume that documents have been received in accordance with accepted principes of aw. That is: provided the document is sent to the correct address, documents posted first cass on business day one are received on business day two. If you have a baance outstanding foowing the canceation of your poicy, the credit/debit card used to pay the first instament wi be charged with the outstanding baance, as this card wi be used to secure the premium payabe for your insurance. If you do not pay for your insurance, you shoud show these detais to the person who paid on your behaf. 11

12 Data Protection Hastings Insurance Services Limited and the insurer named on your schedue of insurance act as joint data controers for the purpose of the Data Protection Act 1998 in reation to the persona data you suppy. Information you provide about yoursef and others wi be used by us and your insurer to process your request in accordance with the Data Protection Act and other appicabe aws. The joint data controers and our associated companies, service providers, agents, product providers or reinsurers may use the information you suppy for the purpose of insurance administration incuding caims handing. We wi aso use the information you suppy for account administration, providing automatic renewas, to assist you with caims and enquiries, and for statistica and research purposes. We may check and/or share information with credit reference or fraud prevention agencies, and debt coection agencies where necessary. In order to assess the terms of the insurance contract or administer caims that arise, we or the insurer may need to coect data that the Data Protection Act defines as sensitive (such as medica conditions or crimina convictions). By proceeding to provide any sensitive information about a third party (e.g. another driver), you must obtain their prior agreement to this and we wi proceed on the basis that you have done so. We wi pass your information to other organisations (e.g. service providers) to enabe them to provide the services you have requested, and they in turn may pass your information to their agent(s) in order to deiver the service or carry out reevant investigations. We wi discose your information if we have been egitimatey asked to provide it for ega or reguatory purposes or in connection with actua or prospective ega proceedings. Occasionay, insurers/ organisations may transmit or store your data outside the European Economic Area (EEA) in countries that do not have the same standards of protection for persona data as the UK. Credit checks We and/or your insurer may pass information about you to credit reference agencies, where it is necessary to carry out a credit check search on you before we and/or your insurer provide you with any services (incuding quotations and prior to offering a renewa). You shoud be aware that the resuts of those searches wi be recorded by the credit reference agencies and that we and/or your insurer and other organisations may use those records in order to hep make credit decisions about you, peope financiay inked to you and others in your househod. Often insurance and other financia services providers wi ony request a credit check once you have decided on a particuar suppier. Every appication you submit for a oan or credit card, however, may affect your credit score so you may wish to keep appications to a minimum to protect your credit rating. 12

13 Continuous Insurance Enforcement and the Motor Insurance Database Information reating to your insurance poicy wi be added to the Motor Insurance Database ("MID") managed by the Motor Insurers Bureau ("MIB"). The MID and the data stored on it may be used by certain statutory and/or authorised bodies incuding the Poice, the DVLA, the DVANI, the Insurance Fraud Bureau and other bodies permitted by aw for purposes not imited to but incuding: I. Eectronic Licensing. II. Continuous Insurance Enforcement. III. Law enforcement (prevention, detection, apprehension and or prosecution of offenders). IV. The provision of government services and or other services aimed at reducing the eve and incidence of uninsured driving. If you are invoved in a road traffic accident (either in the UK, the EEA or certain other territories), insurers and or the MIB may search the MID to obtain reevant information. Persons (incuding his or her appointed representatives) pursuing a caim in respect of a road traffic accident (incuding citizens of other countries) may aso obtain reevant information which is hed on the MID. It is vita that the MID hods your correct registration number. If it is incorrecty shown on the MID you are at risk of having your vehice seized by the Poice. You can check that your correct registration number detais are shown on the MID at Fraud prevention and detection Frauduent insurance appications and caims increase insurance premiums for a poicyhoders. To prevent and detect insurance reated fraud we may check your detais with nationa fraud prevention agencies and databases incuding Insurance Hunter, Motor Insurance Anti-Fraud & Theft Register, Caims and Underwriting Exchange and the Motor Insurers Database. When we dea with your request for insurance, or hande your caim, we or your insurer may search these registers. Under the conditions of your poicy, you must te us about any incident (such as accident or theft) which may, or may not, give rise to a caim. When you te us about an incident, we wi pass information reating to it to the registers. If fase or inaccurate information is provided and fraud is identified, detais wi be passed to fraud protection agencies. Law enforcement agencies may access and use this information. The insurer and other organisations may aso access and use this information to prevent fraud and money aundering, for exampe, when: Checking detais on appications for credit and credit reated or other faciities. Managing credit and credit reated accounts or faciities. Recovering debt. Checking detais on proposas and caims for a types of insurance. The insurer shown on your schedue can give you detais of the reevant agencies. The insurer and other organisations may access and use from other countries the information recorded by fraud prevention agencies. You shoud not assume we wi write or make any outside enquiries and shoud take reasonabe care to answer a questions as fuy and as accuratey as possibe. If you vounteer information which is over and above that requested you must do so honesty and carefuy. You shoud check your Statement of Insurance to ensure that a facts given are correct. It is an offence under the Road Traffic Act to make a fase statement or to withhod information to obtain the issue of a Motor Insurance Certificate. If you give us any additiona information in writing you shoud keep a copy for your records. 13

14

15 YOUR MOTORCYCLE INSURER S POLICY WORDING

16 Information about your poicy documents Your insurance contract is made up of: This poicy; Your Schedue which has detais of you, your Insurer, your motorcyce and the cover provided; Your current Certificate of Motor Insurance which gives detais of who may ride your motorcyce and what your motorcyce can be used for; and The Proposa/Statement of Fact/Statement of Insurance which shows a the information you have provided on which the cover has been based. Your Schedue wi show you which sections and endorsements in this poicy appy to you. You shoud keep a record (incuding copies of etters) of a the information you suppy us with in reation to this insurance. Contract of insurance This poicy is a contract soey between you and the Insurer (as shown on your current Certificate of Motor Insurance). It is not intended that the Contracts (Rights of Third Parties) Act 1999 shoud confer any additiona rights under this poicy in favour of any third party. The information provided by you, to us as stated on your Proposa /Statement of Fact /Statement of Insurance forms part of this contract. If you have paid or agreed to pay the appropriate premium, and arrangement and administration fee the Insurer wi provide insurance, under the terms set out in this poicy, for injury, oss or damage occurring during the period of cover. Under European aw, you and we may choose which aw wi appy to the contract. Uness you and we have agreed otherwise, Engish aw wi appy. We wi communicate in Engish throughout the course of this contract. For and on behaf of the Insurer: Toby van der Meer Managing Director Hastings Insurance Services Limited 16

17 Meaning of words The foowing defined words wi carry the same meaning wherever they are shown in bod throughout the poicy book. Certificate of Motor Insurance The proof of the motor insurance you need by aw. The Certificate of Motor Insurance shows what motorcyce is covered, who is aowed to ride the motorcyce and what the motorcyce can be used for. Endorsement A cause which changes the terms of the poicy. Any endorsements which appy wi be shown on your Schedue. Excess The part of the caim that you must pay. Insurer The insurance company or Loyd's syndicate Insurer whose name is shown on your Certificate of Motor Insurance and Schedue. Market Vaue The cost of repacing your motorcyce in the United Kingdom at the time the oss or damage occurred with one of a simiar make, mode, age and condition. Pubications may be used which refer to motorcyce vaues such as Gass's Guide to assess the market vaue, with an aowance being made for the mieage, condition and circumstances of purchase by you. Nominated Repairer A repairer from your insurer approved network, whom your insurer wi authorise to repair your motorcyce foowing a caim under Section 1 or Section 2 of this poicy. Period Of Cover The period you are insured for, as shown on your Certificate of Motor Insurance. We/Us/Our Hastings Insurance Services Limited trading as Hastings Direct on behaf of the Insurer identified on your Certificate of Motor Insurance. You The poicyhoder named on your Schedue. Your Motorcyce/Vehice The motorcyce described on your Schedue. 17

18 Guide to cover Your Schedue shows the cover you have. Poicy section Comprehensive Third Party, Third Party Fire & Theft ony 1. Damage to your motorcyce 4 2. Damage to or oss by fire or theft Liabiity to third parties Territoria imits and using your motorcyce abroad No-caim discount

19 Section 1 Damage to your motorcyce (except that caused by fire or theft) What is covered 4 Loss of or damage to your motorcyce What is not covered 6 The excess shown for this section on your Schedue.However, you do not have to pay any excess when your motorcyce is with a member of the motor trade for servicing or repairs. 6 Loss or damage more specificay covered under section 2. 6 Loss of use of your motorcyce (incuding the cost of hiring another vehice). 6 Wear and tear. 6 Any oss of vaue. 6 Faiures, breakdowns or breakage of mechanica, eectrica, eectronic or computer equipment. 6 Damage to your tyres caused by braking, punctures, cuts or bursts. 6 Your motorcyce osing market vaue after or because of repairs. 6 Loss of or damage to your motorcyce where possession of it is gained by deception by someone who caims to be a buyer or agent. 6 Your motorcyce being repossessed by its rightfu owner or having to pay compensation to the owner. 6 Any increased damage as a resut of your motorcyce being ridden after an accident. 6 Loss of or damage to hemets and protective cothing. 6 Any amount greater than the manufacturer s ast ist price for repacing any part or accessory ost or damaged. 6 Repairs or repacements which improve the condition of your motorcyce. 6 Loss of or damage to your motorcyce as a resut of a deiberate act by anybody insured by the poicy. 6 Your motorcyce being confiscated or destroyed by or under order of any government or pubic or oca authority. 6 Loss of or damage to your motorcyce caused by a member of your immediate famiy, or a person iving in your home taking your motorcyce without your permission, uness you report the person to the poice for taking your motorcyce without your permission and assist the poice in a prosecution. 6 Costs of importing parts or accessories or storage costs caused by deays, where the parts or accessories are not avaiabe from current stock in the UK. 19

20 Section 1 Continued How your caims are setted For oss of or damage to your motorcyce your insurer wi either: 4 Pay for any necessary repairs; or 4 pay the market vaue of your motorcyce immediatey before the oss (this is not necessariy the vaue you decared when the insurance was taken out). Recyced parts or non origina parts and equipment may be used in repairs or taken into account in the caims settement. If you are sti paying for your motorcyce under a hire purchase or easing agreement your insurer wi pay a caim for the tota oss of your motorcyce to the hire purchase or easing company. If your motorcyce is a tota oss, your insurer may put it in free and safe storage unti your caim is setted. Your insurer wi aso be entited to take possession of your motorcyce once they have setted your caim. If you are paying by instaments and your insurer settes a tota oss caim under this section a outstanding premium may be deducted from the caims settement. Except with the insurer s written consent, no admission, offer, promise, payment or indemnity sha be made by you or any person (or on behaf of any person) caiming indemnity under the Poicy. Your insurer sha be entited to conduct the defence or settement of any caim and to instruct the soicitors of their choice to act for you in any proceedings. In circumstances where it is considered appropriate your insurer wi be entited to admit iabiity on behaf of you or any person caiming indemnity under the Poicy. Such admissions may be made prior to or after the commencement of proceedings in reation to any event ikey to give rise to a caim under the Poicy. Your insurer wi aso pay the cost of protection and taking your motorcyce to the nearest suitabe insurer nominated repairer or a pace of storage after such damage and where appropriate returning it after repair to your address as shown in the schedue. 20

21 Section 2 Damage or oss by fire or theft What is covered Loss of or damage to your motorcyce by: 4 Theft; 4 attempted theft; or 4 fire and ightning. What is not covered 6 The excess shown for this section on your Schedue. However, you do not have to pay any excess when your motorcyce is with a member of the motor trade for servicing or repairs. 6 Loss of use of your motorcyce (incuding the cost of hiring another vehice). 6 Wear and tear. 6 Loss of vaue. 6 Faiures, breakdowns or breakage of mechanica, eectrica, eectronic or computer equipment. 6 Damage to your tyres caused by braking, punctures, cuts or bursts. 6 Your motorcyce osing market vaue after or because of repairs. 6 Loss of or damage to your motorcyce where possession of it is gained by deception by someone who caims to be a buyer or agent. 6 Your motorcyce being repossessed by its rightfu owner or having to pay compensation to the owner. 6 Any accessories that are stoen if your motorcyce is not stoen at the same time. 6 Any increased damage as a resut of your motorcyce being ridden after an accident. 6 Loss of or damage to hemets and protective cothing. 6 Loss of or damage to your motorcyce if the motorcyce is eft unattended and the keys are eft in or on your motorcyce. 6 Any amount greater than the manufacturer s ast ist price for repacing any ost or damaged part or accessory. 6 Repairs or repacements which improve the condition of your motorcyce. 6 Loss of or damage to your motorcyce as a resut of a deiberate act by anybody insured by the poicy. 6 Your motorcyce being confiscated or destroyed by or under order of any government or pubic or oca authority. 6 Loss of or damage to your motorcyce caused by a member of your immediate famiy, or a person iving in your home taking your motorcyce without your permission, uness you report the person to the poice for taking your motorcyce without your permission and assist the poice in a prosecution. 6 Costs of importing parts or accessories or storage costs caused by deays, where the parts or accessories are not avaiabe from current stock in the UK. 21

22 Section 2 Continued How your caims are setted For oss of or damage to your motorcyce your insurer wi either: 4 Pay for any necessary repairs; or 4 pay the market vaue of your motorcyce immediatey before the oss (this is not necessariy the vaue you decared when the insurance was taken out). Recyced parts or non origina parts and equipment may be used in repairs or taken into account in the caims settement. If you are sti paying for your motorcyce under a hire purchase or easing agreement your insurer wi pay a caim for the tota oss of your motorcyce to the hire purchase or easing company. If your motorcyce is a tota oss, your insurer may put it in free and safe storage unti your caim is setted. Your insurer wi aso be entited to take possession of your motorcyce once they have setted your caim. If you are paying by instaments and your insurer settes a tota oss caim under this section a outstanding premium may be deducted from the caims settement. Except with the insurer s written consent, no admission, offer, promise, payment or indemnity sha be made by you or any person (or on behaf of any person) caiming indemnity under the Poicy. Your insurer sha be entited to conduct the defence or settement of any caim and to instruct the soicitors of their choice to act for you in any proceedings. In circumstances where it is considered appropriate your insurer wi be entited to admit iabiity on behaf of you or any person caiming indemnity under the Poicy. Such admissions may be made prior to or after the commencement of proceedings in reation to any event ikey to give rise to a caim under the Poicy. Your insurer wi aso pay the reasonabe cost of protection and taking your motorcyce to the nearest suitabe insurer nominated repairer or a pace of storage after such damage and where appropriate returning it after repair to your address as shown in the schedue. 22

23 Section 3 Liabiity to third parties What is covered 4 Your insurer wi cover ega iabiity for the death of or injury to any person, and damage to property, caused by: - You using or being in charge of your motorcyce; - a traier, attached to your motorcyce; - any person riding your motorcyce with your permission (as ong as your Certificate of Motor Insurance shows that he or she is entited to ride your motorcyce); 4 Your insurer wi aso cover the foowing: - The cost of emergency treatment under the Road Traffic Act. 4 And, if your insurer first agrees in writing: - Fees for any soicitor appointed by your insurer for representation at any coroner s inquest, fata accident inquiry or court of summary jurisdiction. - Costs of ega services arranged by your insurer for defending a charge of mansaughter or causing death by dangerous, careess or inconsiderate riding. - Any other costs and expenses your insurer has agreed to in writing. If anyone covered by this section dies as a resut of an event covered by this section, their ega representative wi have the benefit of the cover provided under this section. Where cover is provided by the effective Certificate of Insurance, your insurer wi indemnify you whie personay riding, with the permission of the owner, any motorcyce not owned by you or hired to you under a hire purchase agreement or eased to you under a easing agreement or provided to you as a courtesy motorcyce and not owned or hired or ent to you by your empoyer or partner. Your insurer wi not indemnify you where the insured vehice specified in the current Schedue, which forms part of the Poicy, has been disposed of or has become the subject of a tota oss. Note: Cover is not provided: a) For oss or damage to the motorcyce you are riding. b) If you are covered by any other poicy of insurance to ride the motorcyce. c) If the motorcyce is being used outside the territoria imits of this Poicy. d) Uness a current and vaid poicy of insurance is in force for the vehice being riden under this section of this Poicy. e) For recovery of any vehice which has been impounded by any poice or oca authority. Except with the insurer s written consent, no admission, offer, promise, payment or indemnity sha be made by you or any person (or on behaf of any person) caiming indemnity under the Poicy. The insurer sha be entited to conduct the defence or settement of any caim and to instruct the soicitors of their choice to act for you in any proceedings. In circumstances where it is considered appropriate your insurer wi be entited to admit iabiity on behaf of you or any person caiming indemnity under the Poicy. Such admissions may be made prior to or after the commencement of proceedings in reation to any event ikey to give rise to a caim under the Poicy. 23

24 Section 3 Continued What is not covered 6 Death of or injury to, any of your empoyees during the course of their work except where your insurer needs to provide cover as required by aw. 6 This poicy does not cover oss, damage, death or injury if your motorcyce is used on any race track or circuit or de-restricted roads, incuding the Nurburgring Nordschiefe. 6 Loss of or damage to, property owned by or in the care of the person caiming under this section. 6 Loss of or damage to your motorcyce or any attached traier. 6 Caims arising from the foowing: - Your motorcyce being ridden with your permission, by someone who you know does not hod a icence to ride your motorcyce. (This exception does not appy if the rider has hed a icence and is not disquaified from hoding or getting one). - Your motorcyce being ridden by or in the charge of any person who is not named as entited to ride on your Certificate of Motor Insurance. - Your motorcyce being ridden by any person who is insured under another motor poicy. 6 Any amount exceeding: - 20 miion for oss of or damage to other peope s property incuding any reated indirect oss or damage; and - 5 miion for ega costs and expenses arising from oss of or damage to other peope s property; arising out of any caim or series of caims caused by one event. Section 4 Territoria imits and using your motorcyce abroad The Territoria Limits of this poicy are Great Britain, Northern Ireand, the Ise of Man and the Channe Isands, incuding transit by sea, air or and within and between these paces. 4 Compusory Cover outside the Territoria Limits This poicy aso provides the minimum cover required by the reevant aw to enabe you or any person named on the Certificate of Motor Insurance to ride or use your motorcyce in any country which is a member of the European Union and to any other country which agrees to foow European Union directives on motor insurance and is approved by the commission of the European Union. 4 Fu Poicy cover outside the Territoria Limits The Territoria Limits are automaticay extended for 90 days for any one trip to incude - any country that is a member of the European Union; and - Croatia, Iceand, Norway, Switzerand, Liechtenstein, Andorra and Serbia. This cover ony appies if your permanent home is in the United Kingdom; and your visit to such countries is temporary. If you intend to use your motorcyce in excess of 90 days for any one trip in these territories, you must first contact our Customer Service Department to obtain agreement and pay any additiona premium requested. Ony the minimum cover required by the reevant aw wi appy uness this condition is met. Fu cover appies whie your motorcyce is being transported by air, sea or rai between any of these countries, incuding oading and unoading, subject to the imitations detaied above. This poicy does not cover events occurring in a country that is not incuded in this section uness this is agreed and you receive an Internationa Motor Insurance Certificate. How your caims are setted Your insurer wi sette caims as set out in sections 1 and 2. If they have to pay for the motorcyce to be deivered to you after repairs, they wi ony pay for it to be deivered to you whie you are in the country where the oss or damage occurred. 24

25 Section 5 No-caim discount If no caim is reported during the current period of insurance, when you renew the poicy a discount wi be incuded in your premium. You may not transfer this discount to another person. Any payment your insurer makes for emergency treatment under section 3 (Liabiity to third parties) wi not affect your no-caim discount. If you have protected no-caims discount, there is no guarantee that your premium wi not increase. Genera exceptions This poicy does not cover the foowing: 1. Any injury, oss or damage occurring whie your motorcyce is being: Used for any competition, ray, tria, track day, performance test, race or speed tria. This excusion appies whether (or not) the event is on private and or the pubic road and regardess of whether it is authorised by the Poice or another reevant authority. Cover is aso not provided for your motorcyce being used on any derestricted to roads. Derestricted to roads are roads the pubic can pay to have access to and where speed restrictions are temporariy or permanenty suspended (incuding the Nurburgring at Nordschiefe). Ridden by or is in the charge of any person not shown on your Certificate of Motor Insurance; or used for any purpose not shown on your Certificate of Motor Insurance; or However, your motorcyce is covered whie with a member of the motor trade for the purpose of maintenance or repair. 2. Any injury, oss or damage occurring whie your motorcyce is being: Ridden or in the charge of anyone who does not have a vaid driving icence or Compusory Basic Training (CBT) certificate where required by current egisation, is disquaified from driving, has not hed a driving icence, is prevented by aw from hoding one and who does not meet the terms and conditions of their driving icence /CBT certificate as required by DVLA/DVANI rues and reguations and any reevant aw. 3. Liabiity you have under an agreement, uness you woud have had the iabiity if the agreement did not exist. 4. Loss, damage, injury or ega iabiity directy or indirecty caused by, resuting from or in connection with invasion, war, revoution or any act of terrorism regardess of any other cause or event contributing concurrenty or in any other sequence to the oss, except where such iabiity is required to be covered by the Road Traffic Act. The definition of terrorism sha foow the interpretation as set out in the Terrorism Act 2000 or subsequent amendments thereto or be any act deemed by the Government or a UK Court of Law to be an act of terrorism. 5. Any injury, oss or damage (except under section 3 - Liabiity to third parties) caused by or arising from: Earthquake; or riot or civi disturbance outside Great Britain, the Ise of Man or the Channe Isands. 6. Loss, damage, injury or ega iabiity caused directy or indirecty by: Pressure waves caused by aircraft and other fying objects; or Ionising radiation or radioactive contamination from any nucear fue or from any nucear waste arising from burning nucear fue; or the radioactive, poisonous, exposive or other dangerous properties of any exposive nucear equipment or part of that equipment. 25

26 Genera exceptions Continued 7. Any accident, injury, oss, damage or iabiity arising whie your motorcyce is in a pace used for the take off, anding, parking or movement of aircraft, incuding the associated service roads, refueing areas and ground equipment parking areas. 8. Any decision or action of a court outside Great Britain, Northern Ireand, the Ise of Man or the Channe Isands, uness the decision is made or action is taken in a foreign court because your motorcyce was used in that country and that country is in the European Union or is mentioned by name in Section Any iabiity for death, injury, iness, or oss of or damage to property, arising directy or indirecty from poution or contamination, uness it is directy caused by an event which is sudden, identifiabe, unintended and unexpected. The whoe event must happen at a specific time and pace during the period of insurance. Your Insurer wi treat a poution or contamination arising from one incident as having happened at the time of the incident. This poicy does not cover caims arising from poution or contamination which happen as a resut of deiberatey reeasing substances or as a resut of eaks from your motorcyce caused by faiure to propery maintain it. This exception does not appy where your insurer needs to provide the minimum eve of cover required by aw. 10. Any oss or damage resuting from the impoundment or confiscation of your vehice by Customs and Excise, Poice or any other Government Authority. 11. Any accident, injury, oss, damage or iabiity whie your motorcyce is: Towing a traier which is unsafe or has an insecure oad. Being ridden with a oad or a number of passengers which is unsafe or greater than the manufacturer s specifications. 12. Any accident, injury, oss, damage or iabiity whie your motorcyce is outside the Territoria Limits uness aowed by Section Loss or damage or iabiity which is the responsibiity of the person riding or steering any vehice being towed by your motorcyce or being towed by a vehice being ridden by you. 14. Lega iabiity when a traier or broken-down vehice is being towed for profit. 26

27 Genera conditions You must compy with the foowing conditions to have the fu protection of your poicy. If you do not compy with them, your insurer may at their option cance the poicy or refuse to dea with your caim or reduce the amount of any caim payment. 1. Making Caims In the event of any caim under this poicy, you or any insured rider or your ega representative must phone our caims hepine with information as soon as is reasonaby possibe. The teephone numbers are shown on your Certificate of Motor Insurance and your Schedue. You or any insured rider must immediatey send to your insurer any writ, summons, etter, caim or other document, unanswered. You or any insured rider must immediatey te your insurer about any impending prosecution, inquest or fata accident inquiry. You or any insured rider must not admit iabiity for or negotiate the settement of any caim uness you have your insurer s written permission. You or any insured rider must give your insurer a the information and hep requested, and a information provided must be true and correct to the best of your knowedge. Your insurer can, for their own benefit: Take over and conduct the defence or settement of any caim; and Take ega action over any caim. These actions may be taken in your name or the name of any insured person. 2. Care of your motorcyce You or any insured rider must take a reasonabe steps to: Protect your motorcyce from oss or damage; and Maintain your motorcyce in an efficient and roadworthy condition and we may examine your motorcyce at any time. Ensure you have a vaid Department for Transport Test Certificate (MOT) for your motorcyce if one is needed by aw. 3. Canceing this poicy You have the right to cance this poicy within 14 days of taking it out or renewing it (or within 14 days of receiving the poicy documents or renewa schedue, if ater), without giving a reason. Uness you have made a tota oss caim under the poicy, you wi receive a refund of premium paid, subject to your insurer s minimum premium for any period of cover provided. In these circumstances, the effective date of canceation wi be the date that you serve notice to us of your wish to cance. If you serve notice of canceation prior to commencement of cover, you wi be entited to a fu refund of the premium you have paid. Where cover is canceed within the first 14 days from the start date of your poicy, your insurer may appy a minimum premium for that period of cover. This wi not exceed 15 pus Insurance Premium Tax (at the current rate) and wi be payabe in addition to our canceation fee. We or your insurer may aso cance this poicy by sending you 7 days' notice, in writing, to your ast known address. A refund of premium for the remaining period of your poicy wi be aowed as ong as no caim has arisen in the current period, subject to your insurers minimum premium. You may aso cance the poicy at any time after the initia 14-day period detaied above by contacting us and then returning the Certificate of Motor Insurance to us. In this event a refund of premium, subject to your insurer s minimum premium, wi be cacuated with effect from the date you contacted us. If any caims have been submitted during the current annua period of insurance, no refund wi be due and if you are paying the annua premium by instaments, then the outstanding oan wi become payabe in fu. Information regarding how we or your insurer wi cacuate any refund of premium due is shown in the canceation schedue overeaf. 27

28 Genera conditions Continued Canceation Schedue *Each month is equa to 30 days Period of cover Refund Up to 1 month* 80% Up to 2 months* 70% Up to 3 months* 60% Up to 4 months* 50% Up to 5 months* 40% Up to 6 months* 30% Over 6 months* NIL 4. Right of recovery If your insurer is required under aw to pay a caim which they woud not otherwise pay, they can recover the amount of the caim from you or the person responsibe. 5. Other insurance If any iabiity, oss or damage is covered by any other insurance, your insurer wi ony pay their share of the caim. 6. Keeping to this poicy Your insurer wi ony provide the cover described in this poicy if: Anyone caiming cover has kept to a its terms, conditions and endorsements; and The information you gave on your Proposa/Statement of Fact/Statement of Insurance and decarations is correct and compete as far as you know. 7. Non-payment of premiums If you are paying in instaments by Direct Debit, you must make sure your instaments are kept up to date. If an instament is not received on or before the date it is due, we wi give you 7 days notice of canceation in writing. This notice wi be sent to your ast known address by first cass post. The poicy wi end after the 7 days notice runs out. If a caim has arisen during the current period, the fu annua premium wi be required. If a tota oss caim is setted under section 1 or 2, a outstanding premium may be deducted from the caims settement. 8. Fraud You must not act in a frauduent manner. If you or anyone acting for you: Misead us in any way, incuding who is the main user of the motorcyce, in order to get insurance from us, to obtain more favourabe terms or reduce your premium; or make a statement in support of a caim knowing the statement to be fase in any respect; or Make a caim under the poicy knowing the caim to be fase or frauduenty exaggerated in any respect; or Submit a document in support of a poicy or caim knowing the document to be forged or fase in any respect; or Make a caim in respect of any oss or damage caused by your wifu act or with your connivance. Then: Your insurer sha not pay the caim. Your insurer sha not pay any other caim which has been or wi be made under the poicy. Your insurer may cance or at their option decare the poicy void. Your insurer sha be entited to recover from you the amount of any caim aready paid under the poicy. Your insurer sha not make any return of premium. Your insurer may inform the poice of the circumstances. 9. Victim of Crime The circumstances of any caim which arises as a resut of you being a victim of crime must be reported to poice as soon as practicabe. You must fuy cooperate with a resuting poice enquiries and any resuting prosecution of offenders. 10. Proof of No Caims Discount Your Insurer has given a discount on your poicy dependent on the number of years no caims you state you have. Proof of this no caims period must be provided, when you are asked to do so, in writing from the immediate ast insurer or your poicy may be invaid. Your period of no caims must have been earned within the United Kingdom within the previous two years and earned on a motorcyce poicy. 28

29 Endorsements An endorsement ony appies if its number is shown on your current Schedue. 02 Protected no-caim discount (Two caims in 5 years). Section 5 of your poicy is repaced with the foowing: You wi keep your no-caim discount if you make no more than 2 caims in any 5 year period. If you make more than 2 caims, at the next renewa date your no-caim discount wi be reduced to: 2 years no-caim discount (if you have made 3 caims); or No no-caim discount (if you have made more than 3 caims). Depending on the circumstances of your caim, your insurer may increase your premium. 03 Protected no-caim discount (Two caims in 3 years). Section 5 of your poicy is repaced with the foowing: You wi keep your no-caim discount if you make no more than 2 caims in any 3 year period. If you make more than 2 caims, at the next renewa date your no-caim discount wi be reduced to: 2 years no-caim discount (if you have made 3 caims); or No no-caim discount (if you have made more than 3 caims). Depending on the circumstances of your caim, your insurer may increase your premium. 04 Owner s interest noted The person named against this endorsement number on your Schedue has an interest in your poicy as owner of your motorcyce. 05 Repacing standard parts If you make a caim (under sections 1 and 2 of this poicy) for oss or damage to your motorcyce, your insurer wi ony pay the cost of repacing parts or equipment needed for your motorcyce to meet the manufacturer s standard specification for that motorcyce. 06 Increases in the amount of cover (Fire or theft) The amount of cover provided under section 2 is increased to the amount shown against this endorsement on your current Schedue. 07 Traier cover (accidenta damage, fire and theft) Any traier attached to your motorcyce wi have cover under sections 1 and 2 as ong as: You have given us fu detais of the traier; and You own the traier or it is hired to you under a hire purchase agreement. Loss or damage to any property being carried in the traier is not covered by this poicy. 10 Empoyer s premises indemnity Cover under section 3 of this poicy is extended to cover accidents that happen whie your motorcyce is entering, eaving or standing in the premises of the empoyer shown next to this endorsement number on your Schedue. 29

30 Endorsements Continued 14 Garaging Warranty Your insurer has accepted your insurance on condition that your motorcyce is kept overnight in a ocked and secured garage. Faiure to compy with this condition may mean your insurer wi refuse to dea with any caim arising from your motorcyce being maiciousy damaged, ost or stoen. 15 Garaging Warranty - (Increased Excess) Your insurer has accepted your insurance on condition that your motorcyce is kept overnight in a ocked and secured garage if your motorcyce is in the vicinity of your home address. Faiure to compy with this condition wi mean that the excess for each caim made under section 2 of your poicy for theft or attempted theft wi be increased to Protected No-caim Discount (One caim in 1 year) Section 5 of your poicy is repaced with the foowing: If ony one caim arises during any period of insurance for which the premium has been reduced by a maximum no-caim discount, there wi be no reduction in the no-caim discount aowed at the next renewa. The benefit granted by this endorsement does not appy if more than one caim arises during any one period of insurance. 17 Garaging Warranty - (Excuding caims under Section 2) Your insurer wi not pay for any caim under section 2 for oss or damage by theft or attempted theft when the insured motorcyce is parked at the insured s permanent pace of residence and/or the decared garaging address, uness your motorcyce is kept in a propery constructed and ocked garage. 18 Garaged Motorcyce Cause - (Increased Excess) You have agreed that you wi keep your motorcyce in a ocked garage or buiding either at your home address or at the address decared to us when your motorcyce is not being used. If a theft or attempted theft of your motorcyce occurs within a 500 metre radius of your home address or the garaging address when the motorcyce is not in a ocked garage or buiding, your insurer wi doube the compusory excess. 19 Piion Passenger You have agreed that you wi not carry piion passengers on the insured vehice. If an accident occurs whie you are carrying a piion passenger, your insurer wi not pay any caim for accidenta damage under section 1 (Loss of or Damage to your motorcyce) of your poicy. 25 Protected no-caim discount. (Two caims in 3 years) Section 5 of your poicy is repaced with the foowing: You wi keep your no-caim discount if you make no more than 2 caims in any 3 year period. If you make more than 2 caims, at the next renewa date your no-caim discount wi be reduced to zero. 38 Uninsured Driver Promise In the event that you are invoved in an accident that is not deemed to be your faut and the driver of the vehice that hits you is not insured, your insurer wi not prejudice your no caim discount in any way. This is subject to the foowing conditions being met: You providing your insurer with the make, mode and registration of the third party vehice that caused the damage to your motorcyce Where possibe, the other drivers name and address. 30

31 Traveing abroad Important guideines when traveing abroad Pease see section 4 for detais of where this poicy covers you and fu detais of foreign use. You do not need a green card to trave in the EU and the countries specified in section 4 but you must first contact our Customer Service Department to obtain agreement if you intend to use your motorcyce in excess of 90 days for any one trip or you intend to visit countries not specified. Uness this condition is met ony the minimum cover required by the reevant aw wi appy. Take the foowing insurance documents when you trave abroad: Your Certificate of Motor Insurance and this Poicy Booket. If you have an accident abroad, foow the procedure beow 1. Immediatey report the accident to the poice if anybody invoved in the incident is injured or if there is a disagreement with the other driver. Get detais of the poice team that attended the scene or who the accident was reported to. 2. Give your name and address, and our name and address to the other party and produce your Certificate of Motor Insurance. 3. Get the name and address of the other driver, detais of their motor insurer (incuding poicy number) and information about the registration and ownership of the other vehices invoved. In some countries (such as Greece, Portuga, Itay and France) the identity of the insurer of the vehice is dispayed on the windscreen disc. 4. Ca the Caims Hepine number shown on your certificate as soon as possibe, particuary if anybody is injured. 5. Never make any statement or sign any document without the advice of a awyer or competent officia. 6. If you have a camera, take photographs showing the ayout of the scene and positions of the vehices from various anges. 7. Ensure you obtain the foowing detais: The make, registration number and coour of the other vehice and whether it is right or eft-hand drive. The fu names, addresses and occupations of independent witnesses. The date, time and exact pace of the accident. The speeds of your own and the other vehice. Signas given by you and the other driver. Weather and road conditions. Names and addresses of peope injured and detais of those injuries. Detais of damage to your own and other vehices. 1. Date, time and pace of the accident: 2. Other vehice s detais: 31

32 Traveing abroad Continued Registration number: Country of registration: Poicy number of the insurance: Name and address of the insurer: Surname, first name and address of the driver: 3. Accident circumstances incuding detais of damage to vehices and injuries to any peope invoved: 32

33 4. Sketch the scene and the position of the vehices (incude road markings where possibe): 33

34 YOUR MOTOR LEGAL PROTECTION AND HELMET AND LEATHERS COVER POLICY WORDING

35 Motor Lega Protection Insurance Poicy Summary The Poicy Summary gives brief detais of the benefits and cover that are avaiabe as part of your Motor Lega Protection contract. The fu terms, conditions and exceptions of your Poicy can be found in your Motor Lega Protection - Document of Insurance. When reviewing your Poicy it shoud be read in conjunction with your Poicy Schedue and Certificate of Motor Insurance. This poicy is suitabe for someone seeking insurance cover for ega costs incurred pursuing a caim for the recovery of uninsured osses from the person responsibe for the accident foowing a non-faut road traffic accident. Insurer: AMTRUST EUROPE LIMITED Period of Cover: Annua Poicy. Refer to your Certificate for the effective dates. Poicy Features & Benefits What is covered Foowing an insured incident we wi negotiate to recover an insured person's uninsured osses and costs and wi hep in appeaing or defending an appea. If a awyer is used, we wi pay the ega costs for this. The most that we wi pay for a caims that arise from the same insured accident is 100,000. How we hep you If you are invoved in a motor accident which is not your faut, we wi try to recover your uninsured osses from the person who caused the accident. Uninsured osses can incude the foowing: Compensation if you are injured and Compensation for your famiy if you are kied. Your poicy 'excess' under your motor insurance poicy. Reasonabe charges for a repacement hire vehice whist yours is being repaired. Compensation for you not being abe to use your vehice. Repair cost if you do not have comprehensive motor cover. Compensation for damage to your cothes, uggage or persona beongings. Significant Poicy Excusions and Limitations For fu detais pease refer to Motor Lega Protection Document of Insurance on pages 35 to 38. What is not covered: 6 Any caim reported to us more than 180 days after the date an insured person shoud have known about the accident. 6 Any ega cost you have to pay before we agree to pay them. 6 Any caim reating to a contract invoving the insured vehice. 6 Any ega action an insured person takes which we or the awyer have not agreed to or where the insured person does anything that hinders us or the awyer. 6 Any caim directy or indirecty caused by or resuting from any device faiing to recognise, interpret or process any date as its true caendar date. 6 Where proceedings are to be commenced in respect of an Insured Incident occurring within the Territoria Limits and outside of the United Kingdom, the Soicitor sha initiate proceedings within the courts of the United Kingdom ony. Conditions Point 7 Any disagreement about the choice of soicitor or handing of the caim 35

36 Caring for our Customers See page 6 for detais If your probem isn't resoved or if you want to contact the insurer directy you can write to the poicy Underwriter: AmTrust Europe Limited, Market Square House, St James Street, Nottingham, NG1 6FG. Te no If we are unabe to resove your compaint you may refer the dispute to the Financia Ombudsman Service. See page 6 for detais Compensation Scheme AmTrust Europe Limited, who underwrite this insurance are covered by the Financia Services Compensation Scheme. See page 6 for detais Canceation We hope that You are happy with the cover that this poicy provides. However, You have a right to cance the poicy within 14 days of taking it out, or renewing it (or within 14 days of receiving the poicy or renewa documentation if ater) and receive a pro-rata premium refund uness You have made a caim, in which case no refund wi be given. You wi receive a pro-rata refund of premium paid, if Your poicy is canceed outside of the 14 day period described above uness You have made a caim, in which case no refund wi be given. If You wish to cance this poicy pease ca our Customer Service ine on Pease note that Your Lega Expenses Insurance cover and Hastings Direct Premier Car Insurance cover are both part of the same poicy, this means that if either cover is no onger required, the entire poicy wi be canceed Reporting Caims In the event of you needing to make a caim, contact our caims advisors on , where you wi be assisted and advised of any further action you may need to take. 36

37 Motor Lega Protection Document of Insurance The motor ega protection cover provided by this poicy is distributed by Hastings Insurance Services Limited ( Hastings ) and arranged and administered on Your behaf by Carpenters Soicitors on behaf of AmTrust Europe Limited. Shoud You need to use this service pease ca the caims ine on: How we hep you If You are invoved in a Insured Incident which is not Your faut, We wi try to recover Your uninsured osses from the person who caused the accident. Uninsured osses can incude the foowing: Compensation if You are injured and compensation for Your famiy if You are kied. Your poicy excess under Your motorcar insurance poicy. Reasonabe charges for a repacement hire vehice whist Yours is being repaired. Compensation for You not being abe to use Your Insured Vehice. Repair costs if You do not have comprehensive motorcar cover. Compensation for damage to Your cothes, uggage or persona beongings. If We beieve there is itte chance of recovering Your uninsured osses, We wi advise You against proceeding. If You appoint a Soicitor before We have agreed, We wi not pay the costs invoved. How to caim If You propose to take any action that may resut in a caim or possibe caim You must contact Us as soon as possibe on The cover We agree to provide insurance in this section, keeping to the terms, conditions and excusions as ong as: The Insured Incident happens during the period of insurance and within the Territoria Limits; Any ega proceedings wi be deat with by a court or other body which We agree to in the territoria imit of the underying motor poicy; and A greater than 50% probabiity of recovery in Your civi caim exists in Our opinion. Definitions Each of the words or phrases isted beow wi have the same meaning wherever they appear in bod in this insurance: Administrator Carpenters Soicitors of Leonard House, Scotts Quays, Berkenhead, Wirra, CH41 1FB. Distributor Hastings Insurance Services Limited ( Hastings ) Insurer AmTrust Europe Limited which is authorised and reguated by the Financia Conduct Authority. Insured Incident Any road traffic accident (excuding caims for theft or fire) covered by the underying poicy of insurance which is caused by a coision with or action taken in an attempt to avoid a coision between the Insured Vehice and a third party vehice or bicyce, which resuts in damage to the Insured Vehice, or any injury to or death of an Insured Person whist in, on or mounting or dismounting from the Insured Vehice. Insured Person The person to whom this insurance has been issued and who has paid or promised to pay any premium and any authorised driver named in the underying certificate of insurance or passenger carried in or on the Insured Vehice. Insured Vehice The motorcyce, specified in the underying poicy of motor insurance taken out by the Insured Person. Lega Costs A reasonabe and necessary costs charged by the Soicitor up to the standard rates as set by the courts. Aso the costs Your opponents have incurred if You have to pay them, or pay them with Our agreement. Soicitor The Soicitor or other suitaby quaified person appointed by Us under this poicy to act for You. Territoria Limits The United Kingdom, Channe Isands, Austria, Begium, Finand, The Federa Repubic of France, Germany, Ireand, Itay, Luxembourg, The Netherands, Norway, Portuga, Spain, Sweden and Switzerand provided that the Insured Person has arranged a Green Card where recommended through the Insurer who has issued the underying motor insurance poicy. We, Us, Our AmTrust Europe Limited and/or Carpenters Soicitors. You/Your The person who is the poicyhoder of the motor poicy. 37

38 What is covered 4 Foowing an Insured Incident, We wi negotiate to recover an Insured Person s uninsured osses and costs and wi hep in appeaing or defending an appea. 4 If a Soicitor is used, We wi pay the Lega Costs for this. 4 The most We wi pay for a caims that arise from the same Insured Incident is 100,000. What is not covered 6 Any caim reported to Us more than 180 days after the date an Insured Person shoud have known about the Insured Incident. 6 Any Lega Costs You have to pay before We agree to pay them. 6 Any caim reating to a contract invoving the Insured Vehice 6 Any disagreement with Us that is not covered by condition 7. 6 Any ega action an Insured Person takes which We or the Soicitor have not agreed to or where the Insured Person does anything that hinders Us or the Soicitor. 6 Any caim directy or indirecty caused by or resuting from any device faiing to recognise, interpret or process any date as its true caendar date. 6 Any counter caim. 6 Where proceedings are to be commenced in respect of an Insured Incident occurring within the Territoria Limits and outside of the United Kingdom, the Soicitor sha initiate proceedings within the courts of the United Kingdom ony. Conditions 1. An Insured Person must do the foowing: Keep to the terms and conditions of this poicy. Take reasonabe steps to keep any amount We have to pay as ow as possibe. Try to prevent anything happening that may cause a caim. Send everything We ask for, in writing. Give Us fu detais of any caim as soon as possibe and any information We need. 2 a. We can take over and conduct in the name of an Insured Person, any caim or ega proceedings at any time before a Soicitor is appointed. We can negotiate any caim on behaf of an Insured Person. b. If We agree to start ega proceedings, or if there is a confict of interest, an Insured Person can choose a Soicitor by sending Us the Soicitor s name and address. We may choose not to accept the choice of Soicitor, but ony in exceptiona circumstances. If there is a disagreement over the choice of Soicitor, another Soicitor can be appointed to decide the matter (see condition 7). c. A Soicitor wi be appointed by Us and represent an Insured Person according to their standard terms of appointment. The Soicitor must co-operate fuy with Us at a times. d. We wi have direct contact with the Soicitor. e. An Insured Person must co-operate fuy with Us and with the Soicitor and must keep Us up to date with the progress of the caim. f. An Insured Person must give the Soicitor any instructions that We ask for. 3 a. An Insured Person must te Us if anyone offers to sette a caim. b. If an Insured Person does not accept a reasonabe offer to sette a caim, We may refuse to pay further Lega Costs. c. An Insured Person must not negotiate or agree to sette a caim without Our approva. d. We may decide to pay an Insured Person the amount of damages he or she is caiming instead of starting or continuing ega proceedings. 4 a. If We ask, an Insured Person must te the Soicitor to have Lega Costs taxed, assessed or audited. b. An Insured Person must take every step to recover Lega Costs that We have to pay and must pay Us any Lega Costs that are recovered. 5. If a Soicitor refuses to continue acting for an Insured Person, or if an Insured Person dismisses a Soicitor, the cover We provide wi end at once, uness We agree to appoint another Soicitor. 38

39 Conditions Continued 6. If an Insured Person stops a caim without Our agreement, or does not give suitabe instructions to the Soicitor the cover We provide wi end at once. 7. If We and an Insured Person disagree about the choice of Soicitor, or about the handing of a caim, We and the Insured Person can choose another Soicitor to decide the matter. We must both agree to this in writing. If We cannot agree with the Insured Person about the choice of the second Soicitor, We wi ask the president of a reevant nationa aw society to choose a Soicitor. This third party s decision wi be binding and the party who does not win wi have to pay the costs. 8. Where a caim arrising out of an Insured Incident can ony be pursued in Scotand or Northeren Ireand We sha appoint a Soicitor to pursue the caim on Your behaf within that jurisdiction Cooing off period Before You accept this poicy You have 14 days to review Your poicy wording. If You are not totay happy with this poicy and You have not made a caim You can contact Us requesting that Your insurance is canceed and You wi recieve a pro-rata premium refund. We wi then cance Your insurance. Canceation We hope that You are happy with the cover that this poicy provides. However, You have a right to cance the poicy within 14 days of taking it out, or renewing it (or within 14 days of receiving the poicy or renewa documentation if ater) and receive a pro-rata premium refund uness You have made a caim, in which case no refund wi be given. You wi receive a pro-rata refund of premium paid, if Your poicy is canceed outside of the 14 day period described above uness You have made a caim, in which case no refund wi be given. If You wish to cance this poicy pease ca our Customer Service ine on Pease note that Your Lega Expenses Insurance cover and Hastings Direct Premier Car Insurance cover are both part of the same poicy, this means that if either cover is no onger required, the entire poicy wi be canceed Caring for our Customers Hastings is committed to providing You with a high eve of customer service at a times. However, if the service ever fas beow the standard You woud expect and You wish to compain about how the product was sod to You, pease contact Hastings, either by phone, etter or e-mai. For compaints regarding the way in which Your poicy was sod to You, pease contact the Distributor either by e-mai, phone or by writing to: [email protected] Te: Customer Reations Department Hastings Insurance Services Limited Conquest House Coington Avenue Bexhi-on-Sea East Sussex TN39 3LW The customer reations team wi contact You within five days of receiving Your compaint to inform You of what action they are taking. The Customer reations team wi try to resove the probem and give You an answer within four weeks. If it wi take onger than four weeks You wi be tod by the team when You can expect an answer. 39

40 If We have not given You an answer in eight weeks We wi te You how You can take Your compaint to the Financia Ombudsman Service for review. This compaints procedure does not affect any ega right You have to take action against Us. For compaints about the administration of Your poicy pease contact the Administrator by emai, phone or by writing to: Te: Carpenters Soicitors Leonard House Scotts Quays Birkenhead CH41 1FB For any other compaints about Your poicy pease contact the Insurer either by emai, phone or by writing to: Te: AmTrust Europe Limited Market Square House St James s Street Nottingham NG1 6FG If You remain dissatisfied with the investigation of Your compaint You have the right to then refer it to the Financia Ombudsman Service, South Quay Paza, 183 Marsh Wa, London, E14 9SR. Teephone: or Emai: [email protected] The Financia Ombudsman Service wi normay ony consider Your compaint once You have been given the fina response. Foowing these procedures wi not affect Your right to take ega action. For further information about Your ega rights, contact Your oca authority trading standards department or the Citizens Advice Bureau. *Cas may be recorded and monitored for training and quaity purposes. Whoe agreement AmTrust Europe Limited, who underwrite this insurance are covered by the Financia Services Compensation Scheme. You may be entited to compensation from the scheme if they cannot meet their obigations. This depends upon the type of insurance and the circumstances of the caim. Most insurance contracts are covered for 90% of the caim. Further information is avaiabe from the Financia Conduct Authority or the FSCS. The FSCS can be visited on the internet at or contacted on This poicy is provided by: AmTrust Europe Limited, Market Square House, St James s Street, Nottingham, NG1 6FG. Registered No Te Authorised and reguated by the Financia Conduct Authority. You can check the above detais on the Financia Conduct Authority Register by visiting the FCA website: or by contacting the FCA on This poicy is underwritten by AmTrust Europe Limited 40

41 Hemet and Leathers Insurance About this document Pease note that this poicy summary does not contain the fu terms and conditions of the contract of insurance, which can be found in the insurance document. Insurer: Equity Red Star is managed by Equity Syndicate Management Limited which is authorised and reguated by the Financia Conduct Authority. Our FCA registration is Type of Insurance and Cover: Cover up to 750 for oss or damage to Motorcyce cothing as a resut of a motorcyce accident anywhere in the United Kingdom. Definition Motorcyce cothing: Leather cothing, protective Motorcyce cothing, boots, goves and hemet that you own or are egay responsibe for whie being worn by you. Setting Caims We wi decide whether to pay the cost of repairing Motorcyce cothing, or to repace it with a new item (in the same form and stye) if it is damaged beyond repair. We wi take off an amount for wear and tear in respect of eathers, boots and goves. We wi not pay the cost of repacing any undamaged Motorcyce cothing forming part of a pair or set of the same type, coour or design if the damage happens to a particuar area or specific part and a repacement cannot be matched. We wi not pay the first 50 of every caim. Genera Excusions The insurance does not cover caims arising from wear and tear, radioactive contamination or war, damage to a passenger s Motorcyce cothing, theft or accidenta damage (other than as a resut of a motorcyce accident), racing, competitions, raies, trias, speed testing, off-road or track days. Genera Conditions You must keep the Motorcyce cothing in a good state of repair and take a reasonabe care to prevent oss or damage You must advise us as soon as possibe after a caim occurs Period of Insurance The insurance offered is normay a 12-month contract, which may be renewed each year. Renewa wi be subject to the terms and conditions that appy at the time of renewa. 41

42 Canceation We hope that you are happy with the cover that this poicy provides. However, you have a right to cance the poicy within 14 days of taking it out, or renewing it (or within 14 days of receiving the poicy or renewa documentation if ater) and receive a pro-rata premium refund uness you have made a caim, in which case no refund wi be given. You wi receive a pro-rata refund of premium paid, if your poicy is canceed outside of the 14 day period described above uness you have made a caim, in which case no refund wi be given. If you wish to cance this poicy pease ca our Customer Service ine on Pease note that your Hemet and Leathers Insurance cover and Hastings Direct Premier Motorcyce Insurance cover are both part of the same poicy, this means that if either cover is no onger required, the entire poicy wi be canceed. How to Caim If a caim occurs you must report it to us as soon as possibe. Pease phone us on Caring for our Customers See page 6 for detais In the unikey event that you remain dissatisfied or if you want to contact the insurer directy, you can write to: Chief Executive, of Equity Red Star at 52 Leadenha Street, London, EC3A 2BJ. You can aso refer the matter to the Poicyhoder and Market Assistance department at Loyd s, their address is: Poicyhoder and Market Assistance, Loyd s Market Services, One Lime Street, London, EC3M 7HA. After this action if you are sti not satisfied with the way a compaint has been deat with you may refer your compaint to the Financia Ombudsman Service. See page 6 for detais Making a compaint wi not affect your right to take ega action Financia Services Compensation Scheme (FSCS): We are members of the FSCS. You may be entited to compensation from the scheme if We are unabe to meet our iabiities under this insurance. See page 6 for detais Ca recording - To hep us to provide a first cass service we may record your teephone ca. Language and Law appying to the Insurance This insurance is written in Engish and a communications about it wi be in Engish. Uness we have agreed otherwise with you, this contract is governed by Engish aw. 42

43 Hemets and Leathers Insurance Poicy Evidence of Cover under Master Certificate No: HL21/10/ This document sets out what is and what is not covered, together with the sum insured and any specia terms that may appy. Pease check that it meets Your needs and that You understand it. If You have any questions about this document, pease contact Your insurance adviser who wi be peased to hep You. If You are not satisfied with the cover provided by this insurance, pease return the document to Your insurance adviser within 14 days of receiving it. We wi return any premium You have paid as ong as We have not paid a caim. Caring for our Customers See page 6 for detais In the unikey event that You remain dissatisfied or if You want to contact the insurer directy, You can write to: Chief Executive, of Equity Red Star at 52 Leadenha Street, London, EC3A 2BJ. You can aso refer the matter to the Poicyhoder and Market Assistance department at Loyd s, their address is: Poicyhoder and Market Assistance, Loyd s Market Services, One Lime Street, London, EC3M 7HA. After this action if You are sti not satisfied with the way a compaint has been deat with You may refer Your compaint to the Financia Ombudsman Service. See page 6 for detais Making a compaint wi not affect Your right to take ega action Financia Services Compensation Scheme (FSCS): We are members of the FSCS. You may be entited to compensation from the scheme if We are unabe to meet Our iabiities under this insurance. See page 6 for detais LANGUAGE AND LAW APPLYING TO THE INSURANCE This insurance is written in Engish and a communications about it wi be in Engish. Uness We have agreed otherwise with You, this contract is governed by Engish aw. Equity Red Star is managed by Equity Syndicate Management Limited which in the United Kingdom is authorised and reguated by the Financia Conduct Authority. Our FCA registration number is Equity Syndicate Management Limited is registered in Engand and Waes number Registered office; Library House, New Road, Brentwood, Essex, CM14 4GD. Signed for and on behaf of EQUITY RED STAR UNDERWRITER Business managed by Equity Red Star (Accident & Heath) Limited and administered by Equity Red Star Services Limited, which are both appointed representatives of Equity Syndicate Management Limited which is authorised and reguated by the Financia Conduct Authority. Registered Office: Library House, New Road, Brentwood, Essex CM14 4GD. Registered in Engand & Waes No Equity Red Star (Accident & Heath) Limited & No (Equity Red Star Services Limited). Syndicate 218 Underwriter: M. Bacon. Managing Agents: Equity Syndicate Management Limited. Companies of Equity Insurance Group Limited 43

44 The Contract of Insurance This document forms a egay binding contract of insurance between You and Us. The contract does not give, or intend to give, rights to anyone ese. No one ese has the right to enforce any part of this contract. We may cance or change any part of the contract without getting anyone ese's permission. The contract is based on the information You provided in Your proposa form/statement of fact/statement of Insurance for insurance. The insurance provided by this document covers oss or damage that occurs during any period of insurance for which You have paid, or agreed to pay the premium. The insurance is provided under the terms and conditions contained in this document. This insurance is written in Engish and a communications about it wi be in Engish. Uness We have agreed otherwise with You, this contract is governed by Engish aw. Definitions The foowing words or phrases have the same meaning whenever they appear in this document. Motorcyce cothing Leather cothing, protective motorcyce cothing, boots, goves and hemet that You own or are egay responsibe for whie being worn by You Period of insurance This insurance runs concurrenty with the insured person s motorcyce insurance poicy. In the event of canceation or non renewa of the insured person s motorcyce insurance poicy, a cover under this insurance wi cease. United Kingdom Great Britain (Engand, Scotand, Northern Ireand and Waes), the Ise of Man and the Channe Isands. We, us, our Equity Red Star, 52 Leadenha Street, London, EC3A 2BJ, which is made up of the Loyd's underwriters who have insured You under this insurance. Each underwriter is ony iabe for their own share of the risk and not for any other's share. You can ask us for the names of the underwriters and the share of the risk each has taken on. You, your The Poicyhoder ony. What is Covered: Up to 750 for oss or damage to Motorcyce cothing as a resut of a motorcyce accident, anywhere in the United Kingdom. Caims If a caim occurs You must report it as soon as possibe. Pease phone us on The incident must aso be reported to Your motorcyce insurers We wi decide whether to pay the cost of repairing Motorcyce cothing, or to repace it with a new item (in the same form and stye) if it is damaged beyond repair. We wi take off an amount for wear and tear in respect of eathers, boots and goves. We wi not pay the cost of repacing any undamaged Motorcyce cothing forming part of a pair or set of the same type,coour or design if the damage happens to a particuar area or specific part and a repacement cannot be matched. We wi not pay the first 50 of every caim. Genera excusions The foowing excusions appy to this insurance. This insurance does not cover oss or damage to the Motorcyce cothing caused by, contributed to, or arising from the foowing: 1 Radioactive contamination from: - ionising radiation or contamination from any nucear fue, or from any nucear waste arising from burning nucear fue; or - the radioactive, toxic, exposive or other dangerous effect of any exposive nucear equipment or part of that equipment. 2 War, invasion, civi war, revoution and any simiar event. 3 Loss of vaue after We have made a caim payment. 44

45 Genera excusions continued 4 Wear and tear, corrosion, rot of any kind, woodworm, fungus, midew, moth, any cause that happens graduay, or mechanica or eectrica breakdown. 5 Damage to a passenger s Motorcyce cothing. 6 Theft. 7 Accidenta Damage (other than as a resut of a motorcyce accident in the United Kingdom. 8 Any ega iabiity. 9 Racing, competitions, raies, trias, speed testing, off-road or track days, courier and / or messenger services, hire or reward, use in the motor trade and business other than daiy trave. Genera conditions The foowing conditions appy to this insurance. 1 Reasonabe care You must keep the Motorcyce cothing in a good state of repair and take a reasonabe care to prevent oss or damage. 2 Teing us about a change You must te Us if You change Your address or if there is any change in the information given to Us that is reevant to this insurance. If You do not, Your insurance may not be vaid or may not cover You fuy. If You are not sure whether any information is reevant, You shoud te Us anyway. 3 Caims When a caim or possibe caim occurs, You must te Us as soon as possibe. You must aso report the caim to Your motorcyce insurers You must give Us at Your own expense any proof of purchase, receipts or information We need. 4 Our rights after a caim We may take possession of the damaged Motorcyce cothing and dea with any savage in a reasonabe manner. However, You must not abandon any Motorcyce cothing. Before or after We pay Your caim under this insurance, We may take over or sette any caim in Your name. We can aso take proceedings, at Our own expense and for Our own benefit, to recover any payment We have made under this insurance. 5 Frauduent caims If a caim is made which You or anyone acting on Your behaf knows is fase, frauduent or exaggerated, We wi not pay the caim and cover under this insurance wi end without our returning Your premium. 6 Canceation We hope that You are happy with the cover that this poicy provides. However, You have a right to cance the poicy within 14 days of taking it out, or renewing it (or within 14 days of receiving the poicy or renewa documentation if ater) and receive a pro-rata premium refund uness You have made a caim, in which case no refund wi be given. You wi receive a pro-rata refund of premium paid, if Your poicy is canceed outside of the 14 day period described above uness You have made a caim, in which case no refund wi be given. If You wish to cance this poicy pease ca Our Customer Service ine on Pease note that Your Hemet and Leathers Insurance cover and Hastings Direct Premier Motorcyce Insurance cover are both part of the same poicy, this means that if either cover is no onger required, the entire poicy wi be canceed. 7 Other insurance If, at the time of any oss or damage covered under this insurance,you have any other insurance that covers the same oss or damage, We wi ony pay Our share of the caim. 45

46 46 Notes:

47

48 How much coud you save? Ca Hastings Direct today: Customer Service Department (8am to 9pm Monday to Friday, 9am to 5.30pm Saturday and 10am to 5pm Sunday). foow us hastingsdirectofficiafacebook.com Pease send a correspondence regarding this poicy to: Hastings Direct, Conquest House, Coington Avenue, Bexhi-on-Sea, East Sussex, TN39 3LW. Charges to 0844 numbers vary pease contact your service provider. Cas may be recorded for our mutua protection. Hastings Insurance Services Limited, trading as Hastings Direct. Authorised and reguated by the Financia Conduct Authority. Registered in Engand and Waes number: , registered office: Conquest House, Coington Avenue, Bexhi-on-Sea, East Sussex, TN39 3LW. PRE-MC-CPW-04/13