Classic car Policy wording - Ageas Insurance Limited - Classicline Insurance
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Policy wording
Classic car
Underwritten by
Ageas Insurance Limited
v 02 2022Need to make a claim?
0333 400 8184
Call the 24/ 7 claims assist line
Please add this number to your mobile phone
For more information on how to make a claim please
read page 36CLASSIC CAR COMBINED POLICY WORDING 3 / 41 Welcome Firstly, we would just like to thank you for your business and for choosing the ClassicLine Classic Car Combined policy. This policy represents one of the most comprehensive available on the specialist vehicle market. We hope that you're happy with the service you've received so far, as our aim is to always provide you with consistently excellent service to our clients. However, if you are unhappy with the service you have received thus far, or, if you feel the policy doesn't provide the cover you require then please don't hesitate to contact us as soon as possible to discuss. We wish you a great year of motoring, and perhaps we'll see you at a classic car show in the future. Ian Fray Managing Director, ClassicLine Insurance v 02 2022
CLASSIC CAR COMBINED POLICY WORDING 4 / 41 Contents Introducing your classic car insurance policy 5 Definitions 6 Your cover 8 Section 1: Liability to other people 9 Section 2: Loss of, or damage to, your classic car 11 Section 3: Personal accident benefits 13 Section 4: Personal belongings 13 Section 5: Medical expenses 14 Section 6: Damaged windscreens and glass 14 Section 7: Hotel or travel expenses 15 Section 8: Lost or stolen keys and replacing locks 15 Section 9: Travelling abroad 16 Section 10: Car sharing 16 Section 11: Cover when your classic car is being serviced, examined or repaired 17 Section 12: Breakdown assistance 18 Section 13: Motor legal expenses 24 General exceptions under this policy 31 Conditions that apply to all of this policy 33 Making a claim 36 Privacy notice 38 How to make a complaint 40 v 02 2022
CLASSIC CAR COMBINED POLICY WORDING 5 / 41
Introducing your classic car insurance policy
This booklet gives full details of your cover. The law that applies to this policy
Please read this booklet, your schedule and your This contract will be governed by English law, and you and
certificate of motor insurance carefully and make sure we agree to submit to the non-exclusive jurisdiction of
that they meet your needs. the courts of England and Wales (unless you live in Jersey
in which case the law of Jersey will apply and the Jersey
If you have any questions, please contact your ClassicLine courts will have exclusive jurisdiction).
and they will help you.
Language
Please keep all your insurance documents in a safe place,
as you may need to read them if you want to make a The contractual terms and conditions and other
claim. information relating to this contract will be in the English
language.
Our contract with you
This is your ClassicLine Classic Car insurance policy and
is a contract between you and us. It is not our intention
that the Contracts (Rights of Third Parties) Act 1999 gives
anyone else either any rights under this policy or the right
to enforce any part of it.
In return for you paying or agreeing to pay the premium,
we will provide cover under the terms and conditions
of this policy for those sections of the policy stated on
your schedule, up to any limits set out in your schedule.
This cover will be against any unforeseen injury, loss or
damage that happens during the period of insurance and
within the geographical limits, except in cases where
Section 3 or 9 applies.
Your policy is based on the answers you gave on the
proposal or that which is shown in a statement of fact and
any other information you gave us. You must tell us of any
changes to the answers you have given. It is an offence
under the Road Traffic Act to make a false statement or
withhold any information for the purposes of obtaining a
certificate of motor insurance.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 6 / 41
Definitions
Accessories, tools and spare parts Costs and expenses
Items which are for your classic car only and are in or All necessary and reasonable:
attached to your classic car, or in your home or private a Fees, costs, disbursements and expenses charged by
garage or any other private garage at the time of the loss the appointed representative and agreed by us.
or damage; this includes tools (for example, spanners,
b Opponent’s costs in civil cases where you are
wrenches and socket sets) which you use to maintain
ordered to pay them or where we agree to pay them,
and repair the classic car, as long as they are not used for
in pursuing or defending the claim including the costs
business purposes.
of any appeal or defending an appeal, provided the
Acts of terrorism you tell us within the time limits and provided that
we agree to the appeal.
The use or threatened use of any action, force or violence
by any person or group of people whether acting alone or
on behalf of any organisation or government committed Endorsement
for political, religious, ideological or similar purposes A clause that alters the cover provided by the policy.
including the intention to influence any government or to These only apply if it says so on the schedule.
intimidate and/or put in fear the public or any section of
the public. Excess
The part of a claim you must pay. Sometimes more
Agreed value than one excess can apply, in which case we add them
This is the amount shown in the schedule, which together.
represents the value of your classic car including
accessories and spare parts. This is the most we will pay Geographical limits
you if your classic car is lost or totally destroyed, or where Great Britain, Northern Ireland, the Isle of Man, Channel
the cost of repairs is greater than the agreed value. Islands. This also includes areas between these locations
The agreed value will include the value of any specific when your classic car is being transported.
registration number of your classic car that is historically
Home
important.
The place where your vehicle is normally kept.
Appointed representative
Claim negotiator, or the lawyer or other suitably qualified Inexperienced driver
person appointed by us to act on behalf of you in A person who is 25 years or older and holds a provisional
accordance with our standard terms of appointment. licence or who has held a full United Kingdom or
European Union licence for less than 12 months.
Certificate of motor insurance
Key
A Proof of the insurance you need by law. The certificate
of motor insurance shows: Any key or alternative device designed to open the car’s
locks or turn on the ignition (or both).
• what car is covered;
Legal proceedings
• who is allowed to drive your car; and
A legal remedy for compensation.
• what your car can be used for.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 7 / 41
Definitions
Market value Statement of facts or statement of insurance
The cost of replacing your classic car, including The form that shows the information that you give us,
accessories and spare parts, with another of the same including verbal information and information given on
make, specification (for example, the level of equipment your behalf.
found in your classic car), model, age, mileage and
condition as your classic car just before the loss or Territorial limit
damage you are claiming for. England, Scotland, Wales, Northern Ireland, the Isle of
Man, the Channel Islands, any other country that is a
Partner member of the European Union and any other country
Your husband, wife, civil partner, or person with whom stated on the back of your certificate of motor insurance.
you have a relationship with as if married and who is
living at the same address as you. This does not include We, us, our
any business partners or associates unless you also have a Ageas Insurance Limited in every instance except:
relationship with them as described above.
• Section 12: It refers to Auto Legal Protection
Period of insurance Services Limited (ALPS). ALPS registered address is
The period shown in your schedule or in your certificate Sunnyside Mill, Highfield Road, Congleton, CW12
of motor insurance (or both) during which your policy will 3AQ ; and
apply. • Section 13: It refers to Financial & Legal Insurance
Company Ltd.
Proposal
The form that shows the information that you give us, You/your
including verbal information and information given on The policyholder whose name is on the schedule.
your behalf.
Young driver
Reasonable prospects A person aged under 25 years at the time of an event
That in respect of each claim there is always more than which you or they may be entitled to claim for.
a 50% chance of you recovering damages, defending a
claim or obtaining a legal remedy. This will be assessed by Your classic car
us or the appointed representative. Any car which you have a current certificate of motor
insurance for under this policy.
Schedule
A document attached to this policy which sets out the
cover we will give you. This forms part of the contract
of insurance. We will give you a replacement schedule
whenever you renew the policy or if you make any
changes to the policy during the period of insurance.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 8 / 41
Your cover
If you chose comprehensive cover, all sections of this
policy booklet apply.
If you have third party, fire and theft cover, sections 1, 2
(loss or damage caused by fire, theft or attempted theft
only), 8, 9, 10 and 11 apply.
If you have cover for third party only, sections 1, 9, 10 and
11 apply.
If you have laid-up cover, sections 2 (loss or damage
caused by accidental damage, malicious damage, fire,
theft or attempted theft only), 6 and 8 apply. You can only
choose this cover if:
• your classic car is of the road;
• the car is not taxed; and
• you have made a Statutory Of Road Notification
(SORN) to the Driver and Vehicle Licensing Agency.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 9 / 41
Section 1
Liability to other people
What we will cover
a Cover for your liabilities e Cover for legal personal representatives
This policy covers you for:
If anyone insured under the policy dies, we will
• all your legal responsibilities as a result of death transfer the protection we provide under this policy
of or injury to anybody caused by an incident to their estate.
involving your classic car; and
f Emergency medical treatment
• damage to any property as a result of an incident
involving your classic car. We will pay up to £20
We will pay for emergency treatment fees as set out
million (including all costs, expenses and indirect
in the Road Traffic Acts.
losses, apart from those covered under the legal
expenses part of your policy). This cover applies
g Legal expenses
to any one event or any series of incidents
resulting from one event.
If we give our permission in writing beforehand, we
b Static display will pay the fee for a solicitor to:
We will also provide the cover outlined in section 1a • represent anybody insured under this policy at
when your classic car is part of a static display (where any coroner’s inquest or fatal accident inquiry; or
it is parked and not being driven).
• defend anybody insured under this policy in a
magistrates’ court, as long as the case relates
c Rallies
to an event you may be able to claim for under
parts 1a, 1b, 1c or 1d of this policy.
We will also provide the cover outlined in section
1a when your classic car is being used in connection If we agree, we will pay for legal services to defend
with local, national or international rallies organised anyone insured under this policy if proceedings are
by owners’ clubs which are recognised by the Driver taken against them for manslaughter or causing death
and Vehicle Licensing Agency (DVLA). This cover by dangerous driving or causing death while under the
does not apply to any rally that includes any racing, influence of drink or drugs. The following conditions
pacemaking, or being in any contest or speed trial. apply to this cover:
d Cover for other people • you must ask us to provide and we must agree to
provide the cover;
We will also provide the cover outlined in Section 1a
• liability for the death(s) giving rise to the proceedings
for:
must be covered under this policy; and
• anyone insured by this policy to drive your • the event causing the death(s) must have happened
classic car as long as they have your permission; within the geographical limits.
• anyone you allow to use (but not drive) your
classic car for social, domestic and pleasure
purposes (that is, not for business purposes);
• anyone who is travelling in or getting into or out
of your classic car.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 10 / 41
Section 1
Liability to other people
What we will not cover
This applies to all claims made under parts 1a, 1b, 1c and
1d of the policy
• We will not cover you driving any vehicle that is not
covered under this policy.
• We will not cover loss of or damage to your
belongings or the belongings of anybody else
insured.
• Death of or injury to any of your employees during
the course of their work, even if the death or injury is
caused by anyone insured by this policy, if insurance
cover is provided as a requirement of any compulsory
Employers Liability legislation.
• Loss of or damage to the classic car being used or
driven at the time of the incident.
• Loss of or damage to any trailer or vehicle you tow.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 11 / 41
Section 2
Loss of, or damage, to your classic car
What we will cover Parts that are not available
If your classic car, its accessories and spare parts or toolkit We may decide to repair your classic car with parts which
are lost, stolen or damaged, we will: have not been made or supplied by your classic car’s
• settle your claim by sending you a payment for the manufacturer, but which are of a similar standard..
amount of the loss or damage;
We are not responsible for:
• replace what is lost or is damaged; or
• any extra costs of storing your classic car that result
• repair the damage. from any accessory or part not being available; or
The most we will pay • the cost of importing any accessory or part into the
geographical limits.
We will not pay more than the market value of your
classic car (including any accessories and spare parts or Removing and delivering your classic car
toolkit) at the time of the loss or damage, less any excess
that may apply, unless there is an agreed value for your If your classic car is in the geographical limits and cannot
classic car shown on your schedule. be driven as a result of loss or damage which is covered
under this policy, we will pay the cost of protecting it and
Hire-purchase, leasing and other agreements taking it to the nearest suitable repairer or your home
address. We will also pay the cost of delivering your
If your classic car is owned by someone else, we may classic car to you at the address shown in your schedule
settle any claim by paying the legal owner before paying after it has been repaired.
anything left over to you.
Radio and audio equipment
Restoration or repair
You are covered for loss or damage or your home
If you have chosen laid-up cover and your classic car address loss or damage to any radio or audio equipment
is being restored or repaired by someone else on their permanently fitted to your classic car.
commercial premises, we will cover loss or damage under
this section to your classic car if the restorer or repairer There is no limit on the level of cover for equipment in
has no insurance in force that covers the loss or damage. your classic car which was fitted by the manufacturer at
the time the car was made.
Registration plates
For equipment that has been fitted by anyone other than
We will pay for the cost of replacing the registration the manufacturer at the time your classic car was made,
plates fitted to your classic car in the same style as the the following limits apply:
plates fitted before the loss or damage happened. • If you have comprehensive insurance the most we
will pay is £500 after taking off the excess that
applies to your claim.
• If you have third party, fire and theft insurance the
most we will pay is £250 after taking off any excess
that applies to your claim.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 12 / 41
Section 2
Loss of, or damage, to your classic car
What we will cover What we will not cover
Replacing children’s car seats • the excesses shown in your schedule.
• loss or damage caused by wear and tear.
If you have child car seats fitted in your classic car and
the car is involved in an incident or damaged as a result • any reduction in the market value of your classic car (for
of fire or theft, we will pay up to £250 (after taking off example reductions caused by the age of the classic car
any excess that applies to your policy) towards the cost of or the number of miles it has covered).
replacing them, even if they do not seem to be damaged. • loss in the market value of your classic car resulting
To be able to claim for child car seats, you must also from any repair, whether or not this has happened as a
provide evidence that your classic car has been damaged result of any claim under this policy.
or stolen.
• any mechanical, electrical or computer equipment
breaking or failing to work properly.
Young drivers or inexperienced drivers
• damage to tyres caused by braking, punctures, cuts or
If your classic car or any of its accessories or spare parts bursts.
are damaged while it is being driven by a young or • damage caused by pressure waves from an aircraft or
inexperienced driver, you will be responsible for the first other flying object travelling at or beyond the speed of
part of the cost, on top of any compulsory and voluntary sound.
excesses set out in your schedule, as shown below.
• loss of, or damage to, any trailer, caravan or vehicle, or
anything inside, while being towed by or attached to
Drivers Excess your classic car.
Under 21 years of age £250 • you for loss of use or other indirect losses (such as
travel costs or loss of earnings) other than those set out
Between 21 to 24 years of age £150
in section 7 of this policy.
Inexperienced driver £150 • your classic car being stolen by someone who claims to
be a buyer or a buying or selling agent.
• loss of, or damage to your classic car caused by
someone in your family, or living with you, using it
without your permission, unless you report them to the
police.
• we will not cover loss or damage caused by any
government, public or local authority legally taking,
keeping or destroying your classic car.
• loss of, or damage to, televisions, phones, games
consoles, electronic-navigation or radar-detection
equipment not permanently fitted to your classic
car and which was not part of the manufacturer’s
specification when your classic car was first registered.
• loss of, or damage to, your car if it is unoccupied (that
is, nobody is inside it) and is left:
• unlocked;
• with the windows open (unless your car was
manufactured as a cabriolet, convertible or open
topped); or
• with the keys in or on your car.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 13 / 41
Section 3 Section 4
Personal accident Personal belongings
benefits
What we will cover What we will cover
We will pay up to £5,000 if you or your partner is We will cover loss of or damage to clothing and personal
accidentally injured in the European Union while travelling belongings caused by fire, theft, attempted theft or an
in or getting in or out of any car and this injury results in accident while they are in or on your classic car, up to
any of the following within three calendar months. £200.
• Death.
We will also pay up to an extra £200 to include personal
• Permanent loss of sight. belongings that are branded with the manufacturer or
• Losing one or both arms (above the wrist) or legs model of your classic car.
(above the ankle) or the total loss of use of an arm or
leg. What we will not cover
We will pay up to £5,000 per person, per accident. If you We will not cover the following:
or your partner has any other insurance policy with us, we • Money, credit or debit cards, stamps, tickets,
will pay the benefit under one policy only. vouchers, documents or securities (such as share
certificates).
What we will not cover
• Goods or samples carried in connection with any
Under this section we will not cover anyone for: trade or business.
• injury or death resulting from that person committing • Wear, tear and loss in value.
suicide, attempting to commit suicide or deliberately • Property left in a convertible or cabriolet car or a
injuring themselves; car with a removable hard top unless it is stored in a
• injury or death if the person claiming was committing locked boot or locked glove compartment.
a crime at the time of the accident; or • Property you leave in your classic car when it is
• injury or death if the person claiming is found to have unoccupied, and:
had a higher level of alcohol or drugs in their body — your classic car is unlocked;
than is allowed by law at the time of the accident.
— the windows or sunroof are open; or
• injury or death if the person claiming was not
wearing a seat belt and they had to by law. — the keys are inside or on your classic car.
• an injury that has been diagnosed, or death certified, • Loss or damage to mobile phones or electronic
by you, a member of your family, or an employee of navigation equipment.
yours.
• an injury that has been diagnosed, or death certified,
by any person who is not a consultant in the branch
of medicine the injury relates to within the European
Union.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 14 / 41
Section 5 Section 6
Medical expenses Damaged windscreens
and glass
What we will cover What we will cover
We will pay up to £100 towards the medical expenses If the windscreen or any window glass in your classic car is
for each person injured in your classic car if it is in an damaged, we will pay the cost of repairing or replacing it.
accident. We will also pay for any repair to the bodywork that has
been damaged by broken glass from the windscreen or
windows.
What we will not cover
• The amount of any excess shown in your schedule.
• Loss of use of your car.
• Breakdowns or breakages to sun roof and hood
mechanisms.
• Repair or replacement of any windscreen or window
unless it is made of glass.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 15 / 41
Section 7 Section 8
Hotel or travel expenses Lost or stolen car keys
and replacing locks
What we will cover What we will cover
If your classic car cannot be driven after an accident or If your classic car keys are lost or stolen, and we decide
loss covered by this policy, we will pay: that it is necessary to replace the keys and locks we will
pay up to £400, for any one event. Your excess does not
• up to £50 for each person travelling in your classic apply to this part of the policy.
car to stay in a hotel for one night if you cannot
continue your journey until the next day; or What we will not cover
• travel expenses of up to £100 in total for everyone
Any claims where you had left the keys in or on your
who was travelling with you in your classic car.
classic car, when they were lost or stolen.
The most we will pay for any one event is £100. Your
excess does not apply to this part of the policy.
What we will not cover
Any claim under this section, where a claim has not also
been made under Section 2 (Loss of, or damage to the
car) of this policy.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 16 / 41
Section 9 Section 10
Travelling abroad Car sharing
What we will cover What we will cover
Your policy provides the cover shown in your schedule, Your policy also covers you for carrying passengers in your
within the European Union and any other country which classic car who pay you to do so, as long as:
the Commission of the European Communities is satisfied
has made arrangements under Article (8) of EC Directive • your classic car is not built or adapted to carry more
2009/103/EC relating to civil liabilities arising from the than eight passengers (not including the driver);
use of a motor vehicle, for up to 90 days in any one period
• you are not carrying the passenger as a business; and
of insurance.
• you are not making a profit from the passengers’
Minimum cover outside the territorial payments.
limits
This policy also provides the minimum cover you need by
law to use your classic car in any of the above countries.
If you need more than the additional cover (i.e. more than
90 days, or cover outside of the countries above) and
we agree to give you this cover, as long as you pay any
extra premium we ask for we may, if necessary give you
an international insurance certificate (Green Card) which
proves you are insured for the time you will be away.
Customs duty and delivery costs
If your classic car is within the geographical limits, and is
not fit to drive because of loss or damage covered by this
policy and we agree beforehand, we will pay:
• the cost of delivering it to your address in the
geographical limits; and
• any customs duty you have to pay as a direct result
of the loss or damage.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 17 / 41 Section 11 Cover when your classic car is being serviced, examined or repaired What we will cover Your cover continues to apply to your classic car when it is being serviced, examined or repaired at premises involved in the motor trade. At these times the limits about driving and using your classic car set out in your certificate of motor insurance will not apply, as long as it is only being driven or worked on by a motor trader or their employees. If at the time a claim is made under this section any other policy exists that would cover the claim, we will pay only our share of the claim. v 02 2022
CLASSIC CAR COMBINED POLICY WORDING 18 / 41
Section 12
Breakdown assistance
How to make a claim ClassicLine Rescue Services in the UK
Please only use these number if your vehicle has broken This policy is administered by Auto Legal Protection
down. Services Limited (ALPS). ALPS registered address is
Sunnyside Mill, Highfield Road, Congleton, CW12 3AQ
and company registration number is 3676991. ALPS
01455 244 650 is authorised and Regulated by the Financial Conduct
Authority (FCA), FCA register number 300906.
Please note that you may incur a charge if you use a Benefits and services under this policy will be provided by
mobile phone to call one of our network of breakdown and recovery providers.
The name of the company appointed will be provided to
Text messaging is available for use by deaf, hard of you when you notify us of your claim.
hearing or speech-impaired customers. Please text the
word “breakdown” to +44 (0) 7537 404890. This policy is underwritten by AmTrust Europe Limited,
whose registered address is Market Square House,
You should have the following information available: St James’ Street, Nottingham, NG1 6FG, company
registration number 01229676. AmTrust Europe Limited
• The vehicle’s registration number. is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and
• Your name, home postcode and contact details.
Prudential Regulation Authority, FCA register number
• Your policy number. 202189.
• The make, model and colour of the vehicle.
Your policy is subject to English Law and you and we
• The location of the vehicle. agree to submit to the non-exclusive jurisdiction of the
• An idea of what the problem is. English Courts if there is an unresolved dispute between
us.
• SOS Box number (where applicable).
We will provide this cover for any breakdown occurring
Help on motorways during the period of insurance and within the mainland
of England, Scotland, Wales and Northern Ireland. If the
If you break down on the motorway, go to the nearest vehicle cannot be driven as a result of a breakdown,
SOS emergency phone box. Ask the police to contact the which occurs during the course of a journey we will
24-hour emergency helpline on the above number. arrange and pay for the services as, shown below. Cover
will apply to any person driving the insured vehicle who
You will only be able to claim the services we provide by normally resides at the registered address. The benefits
contacting the emergency helpline number. and services apply to any breakdown, which occurs during
the period of insurance and within the territorial limits.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 19 / 41
Section 12
Breakdown assistance
ClassicLine Rescue Services in the UK
Roadside assistance Alternative travel or accommodation
We will arrange help at the scene of the breakdown and If the vehicle breaks down while it is more than 25 miles
will arrange and pay call-out fees and labour charges from your home and it cannot be repaired at the roadside
needed to start the vehicle. If the vehicle cannot be or at a garage during the same day, we will refund the
repaired quickly at the scene of the breakdown, we will cost of alternative travel arrangements or necessary
arrange and pay the reasonable cost of taking the vehicle, emergency overnight accommodation. The most we will
you and up to 4 passengers from the place where the pay will be up to £150 for alternative road, rail travel or
vehicle has broken down to the nearest available garage. car hire or one night’s hotel accommodation for you and
up to 4 passengers. (The amount we will refund will only
Vehicle recovery be for the rooms. We will not pay any amount for meals
or drinks).
If the vehicle cannot be repaired at the scene of the
breakdown and cannot be repaired the same day at a Before you arrange alternative travel or accommodation
suitable garage, we will arrange and pay the reasonable you must call us for our agreement. We will only refund
cost of taking the vehicle, you and up to 4 passengers amounts covered by this insurance if we receive valid
from the place where the vehicle has broken down to any invoices and receipts.
one place you choose.
Caravan and trailer service
Home service
If your vehicle breaks down, any attached caravan or
If the vehicle breaks down at your home or within one small trailer not more than 3 metres (10 feet) long used
mile of your home, we will arrange help and pay call-out for private purposes will be entitled to the same service
fees and labour charges needed to start the vehicle. If as the vehicle, as long as it is attached to the vehicle by a
the vehicle cannot be repaired quickly at the scene of the standard 50 millimetre (2 inch) towing coupling.
breakdown, we will pay the reasonable cost of taking the
vehicle to the nearest available garage. Message service
If your vehicle breaks down and help is arranged by the
Rescue Control Centre, they can contact your family or
colleagues to let them know about the situation.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 20 / 41
Section 12
Breakdown assistance
ClassicLine Rescue Services in Europe Exceptions to Section 12
Whilst we hope that your travel period will be incident This section of your insurance does not cover
free, if your vehicle breaks down, help and assistance the following:
is available by calling the 24-hour English speaking
emergency telephone service. Try to call from a place 1 Breakdowns due to lack of petrol, oil, water or
where it is easy to call you back. Please note that it is frost damage or the use of the vehicle for racing,
not always possible to provide automatic hire cars or pacemaking, or being in any contest or speed trial or
accessories such as bike racks, luggage racks or tow bars. any rigorous reliability testing.
2 The cost of any repair apart from repairs covered
Please read the details carefully to ensure that you are
under Section 1.
fully covered, and remember to follow any rules and
procedures laid down in respect of servicing the vehicle 3 The cost of spare parts or emergency windscreens.
and making a claim. (See general conditions 4 and 11). 4 Expenses incurred in ordering incorrect replacement
parts where this is due to insufficient or wrong
This insurance will provide the benefits described below information being given by you.
if your vehicles breaks down and cannot be driven as a
result of a mechanical or electrical breakdown (failures 5 The cost of returning hired vehicles to the Hire
or breakages). Such breakdown must occur within the Company.
countries of Andorra, Austria, Belgium, Czech Republic, 6 If the vehicle suffers damage and it is considered to
Denmark, France, Germany, Greece, Republic of Ireland, be a write-off (the cost of repairs are greater than the
Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, market value of the vehicle) sub-section 2(Point 4)
Norway, Portugal, Slovak Republic, Spain, Sweden or will not apply where the vehicle has comprehensive
Switzerland. motor insurance. Where the vehicle is subject to
third party insurance, cover will be limited to the
Please note that this is not a maintenance policy and market value of the vehicle. If this situation arises, we
therefore does not cover the cost of parts or the cost of reserve the right to conduct negotiations direct with
non-emergency repair work, such as routine servicing the motor insurers.
or diagnostic tuning. The cover is designed to help
keep you and your party mobile during the journey or
holiday period abroad. It is not a replacement for a motor
insurance policy and does not provide cover for bodywork
repairs following an accident or theft.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 21 / 41
Section 12
Breakdown assistance
Benefits
You will have cover for the following:
1 Miscellaneous costs incurred in arranging immediate 2 If the vehicle is out of use for a period of more than
emergency roadside help following a breakdown. 8 hours as a result of a breakdown or due to death,
The most we will pay will be £200 in any one-travel injury or serious illness of the only available driver,
period. If the vehicle cannot be repaired quickly at we will refund the following costs and expenses as
the scene of the breakdown we will arrange and long as they are as a direct result of the breakdown
pay the reasonable cost of taking the vehicle, you or illness and are paid immediately after the
and four passengers to a nearby garage for it to breakdown or illness (in the case of illness a Doctor's
be repaired at your cost. We will cover the cost of report will be required):
replacement parts up to a maximum of £100, but
• recovery of the vehicle to the nearest garage or
excluding parts subject to routine maintenance
railway;
or periodic repair or replacement such as tyres,
batteries, exhaust systems and the like. • storage of the vehicle at a garage up to a
maximum of £100;
• freight to obtain any replacement part, which is
not available locally;
• one of the following: Hiring one replacement
vehicle up to £100 per day and £1,800 in total.
Hiring one chauffeur in the event of a serious
illness of the only available driver in your party,
up to £100 per day. Second-class rail fares so
that you and your party can finish your journey
or return home. Extra hotel accommodation
costs for you and each member of your party up
to £40 per person per day incurred during the
journey to and from the holiday location up to a
maximum of 5 days. (We will not pay for meals
or drinks);
• recovering the vehicle to your home if it cannot
be repaired before your planned return date or
costs incurred in travelling from your home or
holiday location to the scene of the breakdown
to collect the vehicle after repair. (Such cost
must not be more than economy class airfare
plus miscellaneous additional expenses not
exceeding £150);
• emergency repairs to secure the vehicle in the
event that it is damaged by attempted theft or
break-in up to a maximum of £150 (a Police
report will be required);
• hiring a replacement vehicle up to £200 if your
vehicle is still out of use when you return to the
United Kingdom; or
• necessary phone calls up to a maximum of £15.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 22 / 41
Section 12
Breakdown assistance
General conditions
1 We will only provide the cover described in this 12 This insurance only covers the vehicle specified in
insurance if: You have met all the terms and the schedule. You must tell ClassicLine Rescue about
conditions in this document of insurance; The any change of vehicle immediately.
information you have given to us is, as far as you
13 You must take all reasonable steps to avoid or
know, correct and complete. (Any payment made
minimise any loss arising out of a claim under this
under this insurance will be based on the original
insurance. Claims arising directly out of financial
information given to us).
incapacity will not be covered.
2 If you have failed to give us complete and accurate
14 You must take reasonable care for the safety and
information or have not met the terms and
supervision of the vehicle, and if loss or damage
conditions, this could lead to your claim being denied
occurs whilst it is in the care of a transport company,
or the insurance not being valid.
authority, garage or hotel, the loss or damage must
3 This insurance only applies to you and cannot be be reported, in writing, to such transport company,
transferred to anyone else. authority, garage or hotel.
4 You must not use your vehicle outside the United 15 We can: take over, conduct, defend or settle any
Kingdom for more than 31 days in a row or more claims; and take proceedings, at our own expense
than 60 days in total during the period of insurance. and for our own benefit, to recover any payment we
have made under this insurance. We will take this
5 If you are travelling abroad you must ensure that
action in your name or in the name of anyone else
the vehicle is in a roadworthy condition at the start
covered by this insurance. You or the person whose
of the journey or holiday and it has been regularly
name we use must co-operate with us on any matter,
serviced by a garage or yourself in accordance with
which affects this insurance.
the manufacturer’s recommendations.
16 If we incur additional costs beyond the scope of
6 Roadside help or recovery will only be provided if
cover, which applies, you must reimburse these costs
you or the driver stays with the vehicle until a rescue
on demand and within 14 days.
vehicle arrives.
17 If we accept your claim but disagree with the amount
7 If a claim is made which you or anyone acting on your
due to you the matter will be passed to an arbitrator
behalf knows is false, fraudulent or exaggerated, we
who we both agree to. When this happens, the
will not pay the claims and cover under this insurance
arbitrator must make a decision before you can start
will end.
proceedings against us.
8 You must take all reasonable steps to prevent a
18 If you make any alteration to this insurance we may
breakdown, and your vehicle must not be driven
charge an administration fee. We do not return
in an unsafe or unroadworthy condition or until
premiums where the amount is less than £10.
recommended repairs have been carried out.
19 If you decline to accept our decision on the most
9 The vehicle you are travelling in must carry a
suitable course of action then we may limit our
serviceable spare tyre and wheel, and a key that will
liability in respect of any one incident to a maximum
let us remove a wheel secured by wheel nuts for the
of £100.
vehicle, caravan or trailer, if it is designed to carry
one. 20 We will not provide cover, pay any claim or provide
any benefit if doing so would expose us to any
10 Your vehicle must be taxed and the appropriate
sanction, prohibition or restriction under United
licence displayed in accordance with applicable law.
Nations resolutions or the trade or economic
11 You must keep your vehicle properly maintained and sanctions, laws or regulations of the European Union,
serviced. United Kingdom or United States of America.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 23 / 41
Section 12
Breakdown assistance
General exclusions
This section of your insurance does not cover the following:
1 Claims totalling more than £3,000 in any year. 11 Any costs or expenses if the breakdown is covered by
any other insurance or recovery service.
2 If the vehicle is recovered by sea or air, any amount
which is more than the cost of taking the vehicle to 12 Any request for service if the vehicle has been used
the nearest port or airport. (from the time you bought it) for private hire, public
hire, racing, rally pacemaking or in any contest or
3 Any ferry fares or toll fees.
speed trial or any rigorous reliability testing.
4 Compensation due to delays to transport services.
13 Any request for service if the vehicle is off road or
5 Loss or damage to the vehicle or its contents, or any cannot be reached due to snow, mud, sand or flood.
valuables carried in the vehicle.
14 Any request for service if the vehicle is considered to
6 Damage or costs incurred as a direct result of gaining be dangerous or illegal to repair or transport.
access to the vehicle following your request for
15 Any results of war, invasion, act of foreign enemy,
assistance.
hostilities (whether war is declared or not), civil war,
7 The cost of taking the vehicle and its passengers to rebellion, revolution, military or usurped power.
more than one address after any one breakdown.
16 Direct or indirect loss, damage or liability caused by,
8 The cost of recovering the vehicle and its passengers contributed to or arising from:
if the vehicle can be repaired within a reasonable
• ionising radiation or contamination from any
period of time at or near the place where it has
radioactive nuclear fuel, or from any nuclear
broken down.
waste from burning nuclear fuel;
9 The cost of any parts, emergency windscreens,
• the radioactive, toxic, explosive or other
components or materials used to repair the vehicle.
dangerous property of any explosive nuclear
10 Any costs or expenses for any service, which is not assembly or nuclear part of that assembly; or
arranged by the Rescue Control Centre.
• pressure waves caused by aircraft and other
flying objects.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 24 / 41
Section 13
Motor legal expenses
This section of the policy is administered by United What is covered
Legal Assistance and is evidence if the contract between
you and Financial and Legal Insurance Company PLC. We will, subject to What is not covered, the Claims
Following an insured event we will pay your legal costs settlement provisions and Conditions of this section,
& expenses up to the limit of indemnity, (for all claims provide the insurance in relation to the Insured incidents
arising from or relating to the same original cause shown as included in the certificate of insurance and
including the cost of appeals) subject to all the following which are set out below.
requirements being met:
Provided that:
Our agreement
1 Reasonable prospects exist for the duration of the
This insurance is a contract between us (Financial & Legal claim.
Insurance Company Limited) and you (the person shown
in the certificate of insurance). This is a claims made policy 2 The claim is reported to us:
which means that for there to be a valid claim under the
policy, claims must be reported to us during the period of a during the period of insurance, and
insurance.
b immediately after the you became aware of
We will, subject to What is covered, What is not covered, circumstances which may give rise to a claim.
the Claims settlement provisions and Conditions of this
policy, provide you with the insurance and benefits set 3 You follow the advice provided to them by our claims
out in this policy and the insured incidents shown as helpline.
Included in the certificate of insurance, in respect of
claims reported during the period of insurance shown in 4 You seek and continue to follow the advice from our
the certificate of insurance and for any subsequent period claims helpline.
for which we may accept a renewal premium.
5 During the course of any dispute from the date that
The policy, certificate of insurance and any endorsements you became aware of the dispute and throughout the
must be read together as one document. duration of the dispute you keep us up to date with
all developments and you follow and continue to
Signed on our behalf follow the advice from our claims helpline.
We will not pay:
a In respect of any one claim and in total in any one
period of insurance more than the relevant limit of
liability and the annual aggregate limit shown in the
certificate of insurance.
Nick Garner
Chief Executive Officer, b The amount of any excess shown in the certificate of
Financial & Legal Insurance Company Limited insurance in respect of each claim.
c Any claim or incident that may lead to a claim, which
you knew about or ought reasonably to have known
about before the start of this policy.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 25 / 41
Section 13
Motor legal expenses
Insured incidents
1 Recovery of losses when you are involved 2 Defence of a criminal prosecution of a
in a Motor Accident which is not your fault motoring offence
If the insured vehicle is involved in a motor accident We will pay the costs and expenses for defending
which is not your fault, we will pay the costs your rights relating to the defence of a criminal
and expenses in relation to the pursuit of legal prosecution of a motoring offence.
proceedings against the party at fault in respect of
any one claim for the recovery of losses not insured Provided that there is a genuine defence to the
by your motor insurance policy, in relation to: prosecution.
a Damage to the insured vehicle and to personal We will not pay for any claim relating to a
property in it or properly secured on the insured prosecution connected with parking offences, driving
vehicle. without insurance, drink or drugs, racing, pace
making, rallying, speed testing or any other form of
b Pursuing a relevant local authority for damage competition.
caused to an insured vehicle on a public highway
as a consequence of a pothole. a Any claim relating to an original application for
a drivers licence or goods vehicle operator’s
c Recovery of your excess under your motor licence.
policy.
b For any claim relating to a prosecution
d The costs of hiring an alternative vehicle whilst connected with parking offences, driving
the insured vehicle is un-driveable or unusable. without insurance, drink or drugs, racing, pace
making, rallying, speed testing or any other form
e The recovery of the your loss of earnings. of competition.
f The provision of rehabilitation, if appropriate, to 3 Motor vehicle contract disputes
enable you to recover more quickly.
We will pay the costs and expenses for the pursuit
g Reasonable attendance costs if you need to or defence of legal proceedings relating to an
attend court in relation to a claim. agreement or alleged agreement that you have
entered into in relation to the use or ownership of
h The recovery of any other losses incurred by the insured vehicle.
you and which are not insured by your motor
insurance policy. Provided that the amount in dispute exceeds the
amount shown in the certificate of insurance.
i Making a claim to the Motor Insurers Bureau
where the party at fault is uninsured or cannot We will not pay for any claim relating to your
be traced. previous or current trade, business, occupation or
profession.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 26 / 41
Section 13
Motor legal expenses
Insured incidents
4 Vehicle cloning 6 Unenforceable parking fines
We will pay the costs and expenses for defending We will pay the costs and expenses for pursuing
you in civil or criminal proceedings arising from the an appeal to the local authority or independent
use of the insured vehicle’s identity by a third party adjudicator against an unenforceable parking fine.
without permission.
Provided that the amount in dispute exceeds the
Provided that the amount in dispute exceeds the amount shown in the certificate of insurance.
amount shown in the certificate of insurance.
7 Motor Insurance Database disputes
We will not pay:
We will pay the costs and expenses for
a Where the Insured’s Vehicle identity has been representation of your legal rights in a dispute with
copied by somebody living with you. the police or other government agency in the event
the insured vehicle is seized following a failure in the
b Where you did not take reasonable precautions communications between your insurer and the Motor
against the Insured’s Vehicle identity being Insurance Database resulting in incorrect information
copied without your permission. about you or the insured vehicle being recorded on
the database.
5 Illegal clamping and towing
Provided that the amount in dispute exceeds the
We will pay the costs and expenses to pursue the amount shown in the certificate of insurance.
recovery of illegal clamping or towing fees related to
an insured vehicle. 8 Licence protection
Provided that the amount in dispute exceeds the We will pay the costs and expenses in relation to
amount shown in the certificate of insurance. defending an your legal rights following any notice
served by a licensing authority which leads to the
We will not pay: suspending, revoking, altering the terms of or refusal
to renew your driving licence or goods vehicle
a For any claim relating to damage inflicted upon operator’s licence.
the clamping device.
We will not pay
b Where the clamping or towing has been carried
out lawfully. a Any claim relating to an original application for
a drivers licence or goods vehicle operator’s
licence.
b For any claim relating to a prosecution
connected with parking offences, driving
without insurance, drink or drugs, racing, pace
making, rallying, speed testing or any other form
of competition.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 27 / 41
Section 13
Motor legal expenses
What is not covered
1 Prior claims 6 Disqualified drivers
Any claim or incident which may lead to a claim and Where, at the date of the insured incident, you have
which the you knew about or ought reasonably to never held or have been disqualified from holding or
have known about before the start of this policy. obtaining a driving licence.
2 Prior costs and costs and expenses we do 7 Other insurance
not authorise
Any costs and expenses which can be recovered by
Any costs incurred before a claim is made and any you under any other insurance or which would have
costs and expenses which we do not authorise. been covered if this insurance did not exist, except
for any amount in excess of that which would have
3 Dishonesty, violence and fraud been payable under such insurance(s).
Any claim: 8 Fines and penalties
a Involving actual or alleged dishonesty or Fines, damages or other penalties which you are
violence by you. ordered to pay by a court or other authority.
b Or statement which is overstated, false or 9 Disputes with us
fraudulent.
Any claim against us or United Legal.
We will have the right to refuse to pay a claim or to
void this insurance from the date of the act. 10 War risks
4 Judicial review, mediation or arbitration Any claim arising from any consequence of war,
invasion, act of foreign enemy, hostilities (whether
Any claim directly or indirectly relating to or resulting war be declared or not), civil war, rebellion,
from: revolution, insurrection or military or usurped power,
confiscation, requisition, terrorism or alleged acts
a A judicial review. of terrorism as set out in the Terrorism Act 2000 or
damage to property by or under the authority of any
b Mediation or arbitration. government, public or local authority.
5 Bankruptcy, liquidation or receivership
Any claim where you are bankrupt, in liquidation,
have made an arrangement with his or her creditors,
have entered into a Deed of Arrangement or where
part or all your affairs or properties are in the care or
control of a receiver or an administrator.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 28 / 41
Section 13
Motor legal expenses
What is not covered Claim settlement provisions
11 Radioactive contamination and pressure 1 Reasonable precautions
waves
You must take all reasonable precautions to reduce
Any claim, which arises from or is directly or or remove the risk of a claim and not take any
indirectly caused by, contributed to, by or arising deliberate acts, which will result in a claim.
from any of the following, or from any similar
reaction or event: 2 When you must report a claim to us
a Ionising radiations or contamination by You must tell us immediately of any circumstances
radioactivity from any nuclear fuel or from any which may give rise to a claim.
nuclear waste from the combustion of nuclear
fuel. 3 Acceptance of claim
b The radioactive, toxic, explosive or other On receipt of the claim it will be assessed and dealt
hazardous properties of any explosive nuclear with by our in house claims negotiators and, if
assembly or nuclear component of such appropriate and if reasonable prospects exist, we will
assembly. then instruct an appointed representative to handle
the claim on behalf of the you.
c Pressure waves caused by aircraft or any
other airborne devices travelling at sonic or If there is a dispute as to whether reasonable
supersonic speeds. prospects exist, we may require you, at your own
expense, to obtain counsel’s opinion as to the merits
12 Territorial limits of the case. The costs will be refunded to you if
counsel’s opinion shows clearly that there are merits
Any claim: in proceeding.
a Where the dispute is pursued outside the 4 Conduct of the claim
jurisdiction of a court or other body within the
United Kingdom, the Channel Islands or the Isle i We will be entitled:
of Man.
— To have direct contact with the appointed
b Which occurs outside the United Kingdom, the representative.
Channel Islands or the Isle of Man.
— To take over and conduct in your name any claim
c Where you permanently live outside the United or legal proceedings at any time and negotiate
Kingdom, the Channel Islands or the Isle of Man. any claim on behalf of you.
— To refuse to accept a claim or continue with a
claim where the Insured Person does not take
reasonable care not to make a misrepresentation
or has failed to supply relevant information and
supporting evidence to us or the appointed
representative.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 29 / 41
Section 13
Motor legal expenses
Claim settlement provisions
4 Conduct of the claim
ii What you must do: iii What you must not do:
— Provide, at your own expense, the appointed — Agree to settle any claim on any basis or reject
representative and us with any proof, evidence, any offer to settle a claim, without our consent
certificates and assistance as we may reasonably or the consent of the appointed representative.
ask for in connection with the claim, including
proof as to whether reasonable prospects exist. We will be entitled to be reimbursed by you for any
costs and expenses previously agreed or paid to or
— Co-operate fully with the appointed on behalf of you if you breach any of the conditions
representative and us and provide, within a in (ii) and (iii) above.
reasonable time avoiding any unnecessary
delays, any relevant requested information and 5 Payment instead of pursuing or defending
documentation in relation to the claim. a claim
— Take all reasonable steps to recover costs and At any time we will be entitled to pay the reasonable
expenses and to minimise the amount payable amount of damages claimed if in our opinion this would
under this policy. be a more economic solution.
— Take all reasonable steps to resolve disputes 6 Legal proceedings
which otherwise may give rise to a claim.
Any legal proceedings must be dealt with in the
— Notify us and the appointed representative jurisdiction of a court or tribunal in the United Kingdom,
immediately of any offer to settle a claim and of the Channel Islands or the Isle of Man.
any payments into court.
7 Choice of appointed representative
— Tell the appointed representative to have costs
and expenses taxed, assessed and audited at our If there is a conflict of interest, or if the claim is not
request. settled by negotiation and it then becomes necessary to
start court proceedings, only then will you be entitled
iii What the you must not do: to choose their own lawyer for us to instruct as the
appointed representative to handle the claim.
— Withdraw from any claim or legal proceedings or
withdraw instructions from us or the appointed Where we have agreed someone other than our
representative, without our consent. nominated appointed representative may act for you, we
will not pay any sums in excess of what we would have
— Pursue a claim in any way against the advice paid to an appointed representative that we would have
or instructions from us or the appointed appointed to undertake the same work, which is currently
representative. set at an hourly rate of £125 + VAT.
— Incur any costs and expenses without our
consent or the consent of the appointed
representative.
v 02 2022CLASSIC CAR COMBINED POLICY WORDING 30 / 41
Section 13
Motor legal expenses
Conditions
1 Observance of terms 4 Assignment
Anyone making a claim under this policy must have your This insurance is between and binding upon us and you
permission and observe the terms under this policy. and their respective successors in title, but this insurance
may not otherwise be assigned by you without our prior
2 Cancellation written consent.
You may cancel this policy within 14 days of its inception 5 Third party rights
and the premium paid will be returned provided that
there have been no claims. Thereafter you may cancel Unless stated expressly in this insurance, nothing in this
the policy at any time however no refund of premium will insurance will create any rights in favour of any person
be available. If you wish to cancel the policy you must pursuant to the Contracts (Rights of Third Parties) Act
contact your insurance adviser. 1999.
We may cancel this policy at any time provided that we 6 Waiver
give you 7 days notice of cancellation and there is a valid
reason for doing so. Valid reasons for cancellation include, If we or you fail to exercise or enforce any rights
but are not limited to, fraud and dishonesty. Where we conferred on them by this insurance, the failure to do so
cancel this policy no refund of premium will be available. will not be deemed to be a waiver of, nor will it bar the
If we cancel the policy we will write to you at your exercise or enforcement of, such rights at any subsequent
address shown in our records. time.
3 Arbitration 7 Recoveries
Any dispute or difference of any kind between us and We reserve the right, at our own expenses, to take
you will be referred to arbitration by a single arbitrator proceedings in the name of you to recover any payment
who will be either a barrister or solicitor. If the parties are made under this policy. If you recover costs and expenses
unable to agree on the appointment of an arbitrator, all previously paid under this policy such costs and expenses
parties agree to accept an arbitrator nominated by the must be repaid immediately to us.
president of the Chartered Institute of Arbitrators.
8 Governing law
The arbitrator’s decision will be final and binding on all
parties and the unsuccessful party shall be responsible This policy is subject to the law applicable to your place of
for any costs incurred by the successful party in the residence in the United Kingdom, the Isle of Man or the
arbitration proceedings as well as their own costs. Channel Islands.
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