Motorcycle Insurance Documents - Carole Nash
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Motorcycle Insurance Documents
Useful Numbers and DATA PROTECTION
Please check your insurers’ privacy notice on the
Welcome
Information Policy Schedule for more information on how they Thank you for arranging your motorcycle insurance
use your information. through Carole Nash, we hope you find this booklet
CUSTOMER SERVICES FINANCE ACT 1990 useful in ensuring you get the most out of your
If you have any queries regarding this policy, please insurance policy.
The appropriate stamp duty has been or will be paid
contact us: to the Revenue Commissioners in line with Section 113 Contained within this booklet is information about
Phone: 1800 298 551 of the Finance Act 1990. your policy cover. Please take time to read the policy
wordings and your Carole Nash Terms of Business
Email: emerald@carolenash.ie INSURANCE ACT 1936 (enclosed within your policy document pack) as they
MAKING A CLAIM All money which is paid or may be paid by us to contain vital information about your policy.
Should you be in the unfortunate position of having you under this policy will be paid in the Republic of If you have any queries regarding this policy, please
to make a claim, simply call your insurer as specified Ireland. contact us:
in your Policy Schedule. Insurer contact details can Phone: 1800 298 551
also be found on page 24 of this document. E-mail: emerald@carolenash.com
For more details please refer to page 11 and 24
BREAKDOWN ASSISTANCE
Should you need to use breakdown assistance under
the terms of this policy, simply call the number
below:
In Ireland: 090 645 1972
In the UK: 0800 093 5318
Rest of Europe: 0044 1737 826 112
More information can be found on page 18
LEGAL EXPENSES COVER
An insured person can contact us 24 hours a day,
seven days a week during the period of insurance.
However, we may need to arrange to call the insured
person back depending on their enquiry. All helplines
apply to the Republic of Ireland. To help us check and
improve our service standards, we may record all
calls.
When phoning, please tell us your policy number or
the name of the scheme you are in.
Please do not phone us to report a general insurance
claim.
Advice helpline, call 1850 670 747 when you require
advice
FOREIGN USE
Should you wish to travel to a country outside the EU
which is not listed in this policy, or you wish to travel
with your motorcycle overseas for longer than 90
days, please call us on 1800 298 551.
More information can be found on page 7
Important Information
CHANGES IN YOUR CIRCUMSTANCES
You must tell Carole Nash Insurance immediately
about any changes to the information set out in the
Statement of Fact, Certificate of Motor Insurance
or on your Policy Schedule.
More information can be found on page 13Contents Contract of
Contract of Motorcycle Insurance 2 Motorcycle Insurance
Motorcycle Insurance Policy wording 3 Details of your Insurer can be located in your Policy
Schedule.
Definitions 3 We will provide insurance under the terms,
exceptions, conditions and endorsements of
Section 1
this policy, during any period for which we have
Liability to others 5
accepted your premium. Please take time to read
Section 2 through your documents which contain important
Cover for fire & theft 6 information about the details you have given. Unless
we have agreed otherwise, Irish law will apply.
Section 3
Damage to your motorcycle 7
Signed on behalf of Carole Nash Insurance Consultants
Section 4 (Ireland) DAC
Foreign use 7
Optional Covers
Helmet and Leathers 8
Personal Accident 8 Colm Tully
Managing Director
General exceptions 10 Carole Nash Insurance Consultants (Ireland) DAC
Policy conditions 11
Cancellation 12
Legal Expenses Policy 14
Definitions 15
Section 5
Accident loss recovery and personal injury 15
Section 6
Motor legal defence 15
Section 7
Motor contract disputes 16
Irish & European Breakdown Recovery Policy 18
Definitions 18
Section 8
Republic of Ireland assistance 19
Section 9
European Assistance 19
Complaints 23
Claims Information 24
1 Carole Nash Insurance Consultants (Ireland) DAC Carole Nash Insurance Consultants (Ireland) DAC 2Motorcycle Insurance Counselling
Recognised talking therapy treatments undertaken by
Insurer/we/our/us
The Insurer described in the Policy Schedule.
Certificate of Motor Insurance.
Paraplegia
Policy Wording a registered counsellor in Ireland, Northern Ireland,
Great Britain, the Isle of Man or the Channel Islands.
Loss of Hearing The total and permanent paralysis of two lower limbs,
Total loss of hearing in one or both ears to the extent bladder and rectum which in the opinion of an expert
DEFINITIONS Dental Injury that the hearing loss in one or both ears is greater medical specialist will not be recovered.
With the exception of the Legal Expenses policy and Damage as confirmed by a practicing dentist to your than 95 decibels across all frequencies using a pure Period of Insurance
Irish and European Breakdown Recovery policy, the sound and natural teeth and supporting structures tone audiogram that has lasted 52 consecutive The period of time covered by this insurance (as
following words or phrases have the meanings given including damage to your denture whilst being worn. weeks and that in the opinion of an expert medical shown in the Certificate of Motor Insurance and
below whenever they appear in the main Motorcycle Dental Treatment practitioner will not be recovered. your Policy Schedule).
Insurance policy wording. These will be shown in Treatment carried out in accordance with an Loss of Limb or Limbs
bold. accepted and established dental practice in Ireland,
Permanent Partial Disability
The complete loss of a limb or limbs by physical
Accessories Northern Ireland, Great Britain, the Isle of Man or the separation of: The permanent and total loss of use of a shoulder,
Channel Islands to restore the state of your sound and elbow, hip, knee, ankle or wrist or the physical
Additional or supplementary parts of your • an arm at or above the wrist
natural teeth or denture on a like for like basis. separation or total loss of use of a finger or fingers or
motorcycle not directly related to its function as a • leg at or above the ankle toe or toes which has lasted 52 consecutive weeks
motorcycle. This definition includes top boxes, tank Denture • or the total loss of use of an arm or leg which in the and which in the opinion of an expert medical
bags and other luggage carriers while fitted to your A full or partial set of artificial teeth fixed to a opinion of an expert medical specialist will not be specialist will not be recovered.
motorcycle but does not include telephone, audio, removable dental plate. recovered.
navigation equipment, helmets or clothing. Dislocation Permanent Total Disablement
Loss of sight
Agreed Value (if applicable) An abnormal separation where two or more bones Disablement which has lasted for 52 consecutive weeks
The permanent and total loss of sight that will be
This is the amount shown in the Policy Schedule, meet your hip, knee, wrist, elbow, ankle, shoulder and which in the opinion of an expert medical specialist
considered as having occurred:
which represents the value of your motorcycle. This blade, collar bone, finger or toe joint or joints which will prevent you from engaging in gainful employment of
• in both eyes if your name is added to the Register of any and every kind for the remainder of your life.
is the most we will pay you if your motorcycle is requires reduction under anaesthetic as confirmed Blind Persons or
lost, totally destroyed or where the cost of repairs is by a medical practitioner or expect medical Physiotherapy
• in one eye if the degree of sight remaining after
greater than the agreed value. specialist.
correction is 3/60 or less on the Snellen Scale The recognised treatments performed by a registered
Note: Agreed value can be considered only if Endorsement (meaning that you see at 3 feet what you should see physiotherapist in Ireland, Northern Ireland, Great
you have submitted all necessary photographs A change in the terms of the insurance which replaces at 60 feet). Britain, the Isle of Man or the Channel Islands to
and completed the valuation form (and provide the standard insurance wording, and is printed on, or improve functional movement.
an independent valuation if requested by us) and
Loss of Speech
issued with, the Policy Schedule. The complete loss of speech that has lasted for 52 Policy
these have been received and accepted by Carole
Nash Insurance Consultants (Ireland) DAC. If this Excess consecutive weeks and which in the opinion of an The contract between us and you which is made up
documentation has not been received and your The amount you must pay towards any claim. expert medical specialist will not be recovered. of the current Policy Schedule, Certificate of Motor
motorcycle is lost, totally destroyed or damaged, the Market Value Insurance, or Statement of Fact and this booklet.
Expert medical Specialist
most we will pay will be the market value. The cost of replacing your motorcycle with one Policy Schedule
A person other than you or a member of your
Bodily Injury immediate family or an employee of yours who is of the same make, model, specification, mileage This provides details of you, your motorcycle and
Physical injury caused solely and directly by a sudden qualified as a consultant in the branch of medicine to and age, and which is in the same condition your the insurance protection provided to you.
external unforeseen and identifiable accident, event which the bodily injury relates. motorcycle was in immediately before the loss, total
Quadriplegia
or assault. destruction or damage you are claiming for.
Facial Scarring The total and permanent paralysis of all four limbs
Burns Permanent facial disfigurement causing scar tissue in Medical Practitioner which in the opinion of an expert medical specialist
Full thickness burn or burns (2nd or 3rd degree) to an the area from the hairline to and including the lower A person other than you or a member of your family will not be recovered.
area greater than 10% your total body skin surface jaw and ears. or an employee of yours who is qualified and licensed
as confirmed by a medical practitioner or expert
Race Track
Fracture to practice medicine.
medical specialist. Any track, field, circuit or road, including toll roads
A break of a bone in the body identified through Motorcycle Protective Clothing (with no maximum speed limit), which is being used
Certificate of Motor Insurance an X-Ray, computerised tomography (CT) scan Specialist motorcycle leathers, jackets, trousers, at the time of the loss or damage for racing, rallies,
Evidence that you have the motor insurance required or magnetic resonance imaging (MRI) scan and helmets including any motorcycle helmet camera, pacemaking, speed trials or track days.
by law. It shows who may ride your motorcycle and confirmed by a medical practitioner or expert gloves and boots that you own or are legally
what it may be used for. responsible for. Sound and Natural Teeth
medical specialist.
Non-restored teeth that show no sign of being
Conditions Hospitalisation or Hospitalised Motorcycle Helmet Camera pathologically compromised, or adequately and
These describe your responsibilities and the Being admitted to a hospital as an inpatient in A micro video camera or bullet camera mounted to a permanently restored teeth with healthy supporting
procedures that you must follow. Failure to meet with Ireland, Northern Ireland, Great Britain, the Isle of motorcycle helmet. structures or other permanently fixed prostheses.
policy conditions could mean that you do not have Man or the Channel Islands for medical, surgical or Your Motorcycle/Your Vehicle/Insured Vehicle
the full protection of your policy and that we may other remedial attention, treatment or diagnosis by a Statement of Fact
Any mechanically propelled vehicle with or without
refuse to deal with your claim or reduce the amount medical practitioner, or in a continuous unconscious The document completed by you or on your behalf
a sidecar that has less than four wheels as specified
of any claim payment. state. which contains information you gave at the time the
on the Policy Schedule or described in the current
3 Carole Nash Insurance Consultants (Ireland) DAC Carole Nash Insurance Consultants (Ireland) DAC 4insurance was arranged and on which we have relied insurance in Ireland, Northern Ireland, Great Britain, • any person who causes an accident while travelling maximum amount we will pay is either the lower
in providing this insurance. the Isle of Man and the Channel Islands. on or getting on or off your motorcycle. amount of:
Territorial Limits You/Your/Policyholder Business Use • the market value; or
Unless otherwise specified in the policy wording, we The person described as the Insured on the current If your certificate of motor insurance allows • the estimated value of your motorcycle or the
will provide cover as set out in the policy schedule Certificate of Motor Insurance. business use, we will insure your employer against accessory shown in the Policy Schedule.
for events which happen during the period of the events shown under ‘Riding your motorcycle’ Alternatively if your motorcycle is insured on
while you are working for that employer, but not an agreed value basis (as stated in the Policy
Your Cover while using a vehicle provided by the employer unless Schedule) payment will be issued up to or the same
as this amount.
that vehicle is shown in the Policy Schedule.
Your current Policy Schedule shows the cover applicable to your policy Suitable parts or accessories may be used which are
Legal Personal Representatives
not supplied by the original manufacturer.
Third Party Fire After the death of anyone who is covered by this
Section Cover Provided Comprehensive Third Party Only Page If your motorcycle is insured on an agreed value
& Theft insurance, we will deal with any claim made against
basis in the event of a total loss you will be given
that person’s estate, provided that the claim is
Section 1 Liability to Others 3 3 3 4 the option to purchase any remaining salvage at the
covered by this insurance.
Section 2 Cover for Fire & Theft 3 3 7 5 amount your motorcycle will attract on the open
Legal Costs market in its damaged condition.
Section 3 Damage to your motorcycle 3 7 7 5 In respect of any occurrence which may be the If your motorcycle claim is settled on a market
subject of indemnity under this section we will pay: value/estimated value basis in the event of a total
Section 4 Foreign Use 3 3 3 6 • the solicitor’s fee for representation at any Coroner’s loss the salvage/motorcycle will become the
inquest in respect of any death. property of the Insurer.
Loss or damage to Helmet &
Optional Cover Optional Optional Optional 8 • the solicitor’s fee for defending any proceedings in
Leathers WHAT IS NOT COVERED
any Court of Summary Jurisdiction.
Personal accident benefit • the amount of the excess shown in the
• the cost of legal services up to €2,000 for defence Policy Schedule.
Optional Cover in the event of death or Optional Optional Optional 8 in the event of proceedings being taken for
specified injuries • loss of value, wear and tear, mechanical, electrical,
manslaughter or dangerous driving causing death or
electronic or computer failures or breakdowns
Legal expenses cover, in the serious bodily harm.
or breakages.
Sections 5,6,7 event of an accident that is 3 3 3 14 • claimant’s costs and expenses.
• loss of use.
not your fault • all other costs and expenses incurred with the
• depreciation in value of your motorcycle after you
written consent of the Insurer.
Irish, UK & European accident have made a valid claim under this section.
Sections 8,9 breakdown recovery, 3 3 3 18 WHAT IS NOT COVERED • loss or damage caused by deception.
including Homestart These exclusions apply to the whole of Section 1 - • theft as a result of keys remaining in or on your
Liability to others. motorcycle whilst it is unattended.
Section 1 road legal and insured.
You are not insured against the following:
• Liability for death or bodily injury to any employee • loss or damage to any accessory which is not
of the policyholder, arising during the course permanently attached to your motorcycle at the
Liability to others • any loss or damage to the motorcycle you are of their employment or by any other person time of the loss.
riding. claiming under this insurance, except where we need
WHAT IS COVERED • any event which occurs outside of the territorial to provide cover due to the requirements of the law.
• loss of or damage to accessories unless your
motorcycle is damaged or stolen at the same time.
Riding Your Motorcycle limits. • loss of, or damage to any property belonging to • theft or unauthorised taking of the motorcycle by
We will insure you for all the amounts you may be • any event which occurs when this policy is not in (or in the care of) any person claiming under this a member of the policyholder’s family or anyone
legally liable to pay for: the name of an individual person. Section of the insurance. normally living with you.
• death or injury to other people; or • any liability if you are not riding the motorcycle. • anyone covered by any other insurance. • loss of or damage to specialist paintwork, including
• damaging property (we will pay up to €30,000,000 • securing the release of a motorcycle which has • loss of or damage to any motorcycle or trailer any engraving or precious metals, on your
including legal costs for any claim or claims arising been seized or confiscated by, or on behalf of, covered under this insurance. motorcycle.
from one incident); any government or public authority. • loss of or damage to trailers.
as a result of any accident you have while you are
riding, using or in charge of your motorcycle, during
• any liability unless the owner or keeper of the Section 2 • loss or damage to your motorcycle or accessory
motorcycle you are riding has arranged his/her
the period of insurance. own insurance separate to this policy. Cover for Fire & Theft due to or occasioned by the impounding or
destruction of your motorcycle by an authorised
Riding Other Motorcycles Other People Riding or Using Your Motorcycle body.
We will also provide the cover shown above (if this is The following people are also insured: WHAT IS COVERED • loss or damage from taking your motorcycle and
specified in your Certificate of Motor Insurance) • any person you allow to ride or use your If your motorcycle or its accessories are lost or returning to its legal owner.
for you to ride any motorcycle that you do not motorcycle, as long as this is allowed by your damaged by fire, theft or attempted theft during
own and have not hired under a hire purchase or current Certificate of Motor Insurance and has the period of insurance, we will choose to either
leasing agreement, as long as you have the owner’s not been excluded by an endorsement, exception repair or replace your motorcycle or the accessory,
permission to ride it and providing the motorcycle is or condition. or we will give the legal owner a cash payment. The
5 Carole Nash Insurance Consultants (Ireland) DAC Carole Nash Insurance Consultants (Ireland) DAC 6Section 3 • damage you or anybody insured under this policy
has done deliberately.
other country that is not listed in this section you
must inform us. An additional premium may be
CLAIMS SETTLEMENT
1. In the event of loss or damage to separate jackets
Damage to Your Motorcycle • loss of or damage to accessories unless your
motorcycle is damaged at the same time.
payable. All trips must be of a temporary nature and
your permanent home is in the Republic of Ireland.
or trousers forming part of a set, we will not pay
more than the value of the individual article that
WHAT IS COVERED • damage to specialist paintwork, including any is damaged.
If your motorcycle or its accessories are accidentally
engraving or precious metals, on your motorcycle. Optional Covers 2. We will decide whether to pay the cost of
or maliciously damaged or vandalised during the
period of insurance, we will choose to either repair
• loss of or damage to trailers.
• loss or damage to your motorcycle or accessory
Helmet & Leathers repairing motorcycle protective clothing or
replace as new (if damaged beyond economical
or replace your motorcycle or the accessory, or due to or occasioned by the impounding or repair).
This cover is applicable only if it is included as active
we will give the legal owner a cash payment. The destruction of your motorcycle by an authorised on your Policy Schedule. 3. You must be able to provide proof of purchase in
maximum amount we will pay is either the lower body. respect of any item which is the subject of a claim
amount of: • loss or damage from taking your motorcycle and WHAT IS COVERED against this policy.
• the market value; or returning to its legal owner. We will pay up to €1,500 for loss or damage to 4. You must at your own expense provide us with
motorcycle protective clothing that is damaged any reports, certificates, information and evidence
• the estimated value of your motorcycle or the
accessory shown in the Policy Schedule. Section 4 following a motorcycle accident that occurs whilst
you are legally riding, mounting or dismounting
that we ask for in support of your claim and do so
in the manner we request.
Alternatively if your motorcycle is insured on an
agreed value basis (as stated in the Policy
Foreign Use or undertaking emergency roadside repairs to the
motorcycle insured under this motorcycle policy
Schedule) payment will be issued up to or the same
as this amount.
We provide the minimum cover required by law to
allow you to use your motorcycle in any of the
during the period of insurance.
We or our representatives will be entitled to take
Personal Accident
Suitable parts or accessories may be used which are following countries: possession of any damaged motorcycle protective This cover is applicable only if it is included as active
not supplied by the original manufacturer. clothing and deal with any salvage, but no items can
• any country, which is a member of the European on your Policy Schedule
If your motorcycle is insured on an agreed value Union. be abandoned to us.
basis in the event of a total loss you will be given
WHAT IS COVERED
• any country which the Commission of the European WHAT IS NOT COVERED
the option to purchase any remaining salvage at the We will pay the following benefit if you suffer bodily
Communities is satisfied has made arrangements of 1. The first €75 of any claim.
amount your motorcycle will attract on the open injury as a result of an accident whilst legally riding or
Article (8) of EC Directive 2009/103/EC relating to
market in its damaged condition. 2. Theft of motorcycle protective clothing. mounting or dismounting or undertaking emergency
civil liabilities arising from the use of a motorcycle.
3. Loss or damage caused solely by deterioration or roadside repairs to the motorcycle insured under this
If your motorcycle claim is settled on a market While you are visiting these countries, your policy during the period of insurance and which
wear and tear.
value/estimated value basis in the event of a total insurance will be extended to cover the following: within 104 weeks of the date of incident solely and
4. Loss or damage unless caused as a result of a
loss the salvage/motorcycle will become the • your motorcycle being moved (including loading independently of any other cause results in any of the
motorcycle accident.
property of the Insurer. and unloading) by sea or rail between the countries conditions listed.
where you have cover. 5. Loss or damage caused whilst participating in any
WHAT IS NOT COVERED racing, rallies, competitions, speed tests, time Please refer to the table on the following page for the
• in the event of any incident which results in a claim full list of personal accident benefits.
• the amount of the excess shown in the trials or the like.
under Section 2 - Cover for fire and theft, or
Policy Schedule. Section 3 Damage to your motorcycle: 6. Loss or damage while you are serving a ban from
• loss of value, wear and tear, mechanical, electrical, holding a motorcycle licence.
− the cost of delivering your motorcycle to you or
electronic or computer failures or breakdowns or to your home in the Republic of Ireland after 7. Loss or damage to the motorcycle helmet camera
breakages. necessary repairs have been finished; or if it is not mounted to a helmet.
• damage to tyres by braking, punctures, cuts or − foreign customs duty you must pay because TERRITORIAL LIMITS
bursts. damage to your motorcycle prevents its return to We will provide cover as set out in the policy
• loss of use. the Republic of Ireland. schedule for events which happen during the period
• depreciation in value of your motorcycle after you • General Average and Salvage charges if you are of insurance in Ireland, Northern Ireland, Great
have made a valid claim under this section. liable. Britain, the Isle of Man and the Channel Islands and
• loss of or damage to any accessory which is not We will only provide this cover if your permanent where cover has been provided under Section 4 -
permanently attached to your motorcycle at the home is in the Republic of Ireland. Foreign use.
time of the loss.
COVER HOW TO MAKE A CLAIM
• damage caused by chewing, scratching, tearing
Cover does not apply outside of the territorial When you become aware of an incident that could
or fouling by domestic pets, or caused by vermin,
limits, when you are riding a motorcycle that you lead to a claim you must notify the insurer specified
animals, insects, mildew or fungus.
do not own or have hired under a hire purchase or in your policy schedule as soon as reasonably
• damage caused by frost, smog or any gradual possible and follow any instructions provided to you.
leasing agreement.
process. The details of who to contact can be found on page
• loss or damage resulting from unauthorised Important: The length of time that we will give 24 of this policy booklet.
taking of your motorcycle by a member of the cover for under this section in any one period of
policyholder’s family or anyone normally living insurance is limited to 90 days. If you are travelling
with you. for more than 90 days or you are travelling to any
7 Carole Nash Insurance Consultants (Ireland) DAC Carole Nash Insurance Consultants (Ireland) DAC 8Personal Accident Table of Benefits If more than one benefit is payable for injuries you
sustain in a single incident that gives rise to a claim,
10. We will not pay benefit for any fracture of a bone
due to Osteoporosis (thinning of the bone which
the maximum total amount we will pay for all is out of proportion to the insured person’s age)
Condition resulting from the Bodily Injury The Benefit Payable benefits shall not exceed €27,950. or bone disease diagnosed prior to the period of
1. Death €20,000 The following limits apply to each physiotherapy insurance.
2. Permanent total disablement €20,000 treatment and counselling appointments: We will not pay benefit arising from bodily injury you
3. Loss of sight: 1. If you require physiotherapy as recommended sustain on or after your 85th birthday.
i. in one eye €20,000 by a medical practitioner or expert medical
ii. in both eyes €20,000 TERRITORIAL LIMITS
specialist for treatment and recovery following a
4. Loss of limb or limbs €20,000 We will provide cover as set out in the policy schedule
valid claim under this policy for any of the benefits
5. Loss of speech €20,000 for events which happen during the period of
of permanent total disablement, loss of limb
6. Loss of hearing: or limbs, permanent partial disablement, insurance in Ireland, Northern Ireland, Great Britain,
i. in one ear €5,000 paraplegia, quadriplegia, fracture, dislocation the Isle of Man and the Channel Islands and where cover
ii. in both ears €20,000 or burns we will pay you up to €100 for each has been provided under Section 4 – Foreign use.
7. Permanent partial disability resulting in: physiotherapy appointment subject to an overall HOW TO MAKE A CLAIM
Loss of or loss of use of maximum of the applicable benefit as specified in When you become aware of an incident that could
i. a shoulder, elbow, hip, knee, ankle or wrist €6,650 the Table of Benefits. lead to a claim you must notify the insurer specified
ii. one or more fingers (at least one complete bone) €2,000 2. If you require counselling as recommended in your policy schedule as soon as reasonably
iii. one or both thumbs (at least one complete bone) €3,975 by a medical practitioner or expert medical possible and follow any instructions provided to you.
iv. one or both big toes (at least one complete bone) €2,650 specialist for treatment and recovery following a The details of who to contact can be found on page
v. one or more other toes (at least one complete bone) €2,000 valid claim under this policy for any of the benefits 24 of this policy booklet.
(Subject to a maximum of €6,650 per accident event in total) of permanent total disablement, loss of sight,
loss of limb or limbs, loss of speech, loss of ADDITIONAL CLAIMS CONDITIONS
8. Paraplegia €24,000 hearing, permanent partial disablement, 1. Y ou must place yourself under the care of a
9. Quadriplegia €27,950 paraplegia, quadriplegia, facial scarring medical practitioner and follow their advice.
or burns we will pay you up to €100 for each 2. You must, at your expense, provide us with any
10. Hospitalisation counselling appointment subject to an overall reports, certificates, information and evidence
Benefit for each night you are hospitalised €70 maximum of the applicable benefit as specified in that we ask for in support of your claim and do so
(Subject to a maximum of €1,400 per accident event in total) the Table of Benefits. in the manner we request.
11. Fracture WHAT IS NOT COVERED 3. If we request it you must undergo medical
i. to the wrist or one or more bones in the arm €475 examination at our expense.
We will not pay benefit for bodily injury directly or
ii. to the ankle or one or more bones in the leg or pelvis €665 4. No amount payable will bear interest
indirectly caused by or contributed to or arising from:
iii. to facial bones or lower jaw €665
1. Your use of a motorcycle for any business trade
iv. to finger(s) or toe(s)
(Subject to a maximum of €665 per accident event in total)
€70
commercial or professional purposes including but General Exceptions
not limited to use as a courier, despatch rider, fast
12. Dislocation food delivery rider. These general exceptions apply to the whole of this
i. hip €665 insurance.
2. You committing or attempting to commit suicide
ii. knee €400 or intentional self injury. Your insurance does not cover the following:
iii. wrist or elbow €265 • any liability, accident, injury, loss or damage that
3. Any sickness illness or disease.
iv. ankle, shoulder blade or collar bone €200 happens while any motorcycle covered by this
v. finger(s), toe(s) or jaw €70 4. Pregnancy or childbirth.
insurance is:
(Subject to a maximum of €665 per accident event in total) 5. You committing a criminal or unlawful act.
− being used for a purpose which the motorcycle is
6. You being under the influence of or being affected not insured for;
13. Facial scarring
by alcohol or drugs other than drugs taken under
i. scarring of 2 centimetres to 5 centimetres in length €325 − in the charge of anyone who is not described in
the direction of a medical practitioner.
ii. scarring of over 5 centimetres in length €665 the Certificate of Motor Insurance as a person
(Subject to a maximum of €665 per accident event in total) 7. Deliberate exposure to danger except in an entitled to ride;
attempt to save human life.
14. Burns €6,650 − in the charge of anyone who is excluded from
8. Muscular or skeletal condition or injury unless riding by an endorsement;
15. Dental Injury Up to €325 caused directly by external sudden violent and
− being ridden by or in the charge of anyone who
visible means during the period of insurance and
16. Physiotherapy Up to €665 does not have a driving licence and or a valid
which is not aggravated by any previous muscular
Initial Basic Training (IBT) certificate if required;
17. Counselling Up to €325 or skeletal condition or injury.
− being ridden by or in the charge of anyone who
9. Your participation in active service in any armed
is disqualified from riding, who has not held a
forces the Territorial Army and other reserve
driving licence or who is prevented by law from
services whether war be declared or not.
holding one;
9 Carole Nash Insurance Consultants (Ireland) DAC Carole Nash Insurance Consultants (Ireland) DAC 10− being ridden by or in the charge of anyone who − contamination; You should take the registration numbers of all whenever we ask.
does not meet the terms and conditions of their unless the pollution or contamination is directly vehicles involved and the insurer’s name and policy You must take all reasonable steps to protect the
driving licence; caused by one incident at a specific time and place number (this should be on the insurance disc on the motorcycle protective clothing and keep them in
− being used on any part of an airport or airfield during the period of insurance and is: vehicle’s windscreen). good condition.
provided for aircraft movement, parking or − sudden; You should also take the names and addresses of the 7. Keeping to the Terms of This Policy
maintenance; − identifiable; other people involved and give them your details.
We will only give you the cover that is described in
− being used to carry passengers or goods in a way You should take the name, address and contact
− unintended; or this policy, if any person claiming has met with all its
likely to affect the safe riding or control of your numbers for any witness to the accident.
− unexpected. terms and conditions and endorsements, as far
motorcycle; You must also immediately: as they apply.
The pollution caused by one incident will be
− being used on a race track or off road activity of • send us all correspondence you receive regarding
considered to have occurred at the time the incident 8. Failure to pay a premium instalment
any description or derestricted toll roads such as the accident without answering it, and
took place. If you fail to pay an instalment you will be charged
the Nurburgring. • advise us in writing of any prosecution once you
This exception does not apply if any compulsory a missed payment fee and be given a notice of
− any liability that you have agreed to accept become aware of it.
motor insurance law says we must provide this cover. cancellation. If payment is not made within the
unless you would have had that liability anyway.
Any liability, damage, cost or expenses, which are 3. Defending or Settling the Claim period of this notice, the policy will be cancelled and
• any loss, damage, injury, or liability directly or
more than our legal liability under the relevant road Unless they have our written permission, no person you will be charged for the number of days cover that
indirectly caused by:
traffic legislation for any claim, if you or any other can represent or admit liability for us or for you or any has been provided plus a cancellation fee. Please refer
− war, invasion, any act of terrorism, act of foreign person entitled to ride your motorcycle is: other person claiming cover under this policy. to the Carole Nash Terms of Business for details.
enemy, hostilities (whether war is declared or
− found to be over the limit for alcohol to the extent We can carry out the defence or settlement of any 9. Cooling Off Period
not), civil unrest, revolution, or any similar event
which would constitute an offence under the laws claim and we can choose the solicitor who will act for
(except where we need to provide cover to meet You have 14 days from when you receive your policy
of the country in which the accident occurred you in any legal action.
the compulsory motor insurance law); documents or the commencement date of your
− Is riding whilst unfit through drink or drugs, We can also take legal action in your name or the policy, whichever is later, to write to Carol Nash
− an act of terrorism as the use or threatened use
whether prescribed or otherwise, name of any other person covered by this policy, Insurance Consultants (Ireland) DAC if you want to
of any action, force or violence by any person or
− fails to provide a sample of breath, blood or urine to recover any payment we have made under this cancel your policy. This is known as a cooling-off
group of people whether acting alone or on behalf
when required to do so, without lawful reason. policy, other than a payment in respect of a personal period. If you cancel your policy during this period of
of any organisation or government committed
accident benefit. time, provided you have not made a claim, you will
for political, religious, ideological or similar
purposes including the intention to influence any Policy Conditions You must give us all the information and help we
need to deal with the claim.
be charged proportionally for the period of time you
government or to intimidate and/or put in fear the were on cover.
public or any section of the public; You must comply with the following conditions to 4.Total Loss Claim 10. Cancellation By You
− incidents caused by riot or civil unrest outside have the full protection of your policy. If you do not
In the event of a total loss, if the motorcycle is the Your insurance policy has been arranged for a period
comply with them we may at our option cancel the
of England, Republic of Ireland, Northern Ireland, subject of a hire purchase or leasing agreement we of 12 months and you are required to pay the full
policy or refuse to deal with your claim or reduce the
Scotland, Wales, the Isle of Man or the Channel will make the payment for the total loss of your premium. If you cancel the insurance other than
islands; amount of any claim payment.
motorcycle directly to the owner described in the in accordance with policy Condition 9 ‘Cooling Off
− earthquake; 1. No Claims Bonus agreement. If our estimate of the market value Period’ and there has been no claim(s), you will be
− ionising radiation or radioactive contamination If a no claims bonus applies to your policy and you is more than the amount you owe the finance or charged for the number of days cover that has been
from nuclear fuel, or nuclear waste, or the or anyone else does not make a claim under this leasing company, we will pay you any remaining provided plus a cancellation fee, details of which can
radioactive, toxic, explosive or other dangerous insurance, we will discount your renewal premium in balance of the agreed settlement. If our estimate of be found in the Carole Nash Terms of Business.
properties of explosive nuclear equipment or line with the scale of no claim bonus which applies at the market value is less than the amount you owe
Your insurance premium will include a payment for
nuclear parts; the time. An endorsement on your Policy Schedule the finance company, you may have to pay them the
your Legal Expenses and Breakdown cover which
− pressure waves caused by aircraft and other flying will indicate whether a no claims bonus applies, and rest of the agreed balance.
Carole Nash have included as part of the Carole
objects; or the number of years’ discount you are entitled will
5. Other Insurance Nash product. This payment is non refundable upon
be displayed on the statement of no claims bonus at
− carrying any dangerous substances or goods If you were covered by any other insurance for the cancellation of the policy other than if cancelled by
renewal.
(except where we need to provide cover to meet incident which resulted in a valid claim under this you during your 14-day ‘cooling off’ period. Please
the compulsory motor insurance law). 2. How to Make a Claim policy, we will not pay any of the claim. refer to the Carole Nash Terms of Business for details.
• any liability, loss or damage that happens outside You must notify your insurer immediately after any You may cancel your policy with immediate effect by
6. Reasonable Precautions
the territorial limits (apart from where cover is damage or accident which might result in a claim notifying Carole Nash Insurance Consultants (Ireland)
provided under Section 4 - Foreign use, or unless you under this policy. The details of who to contact can You must take all reasonable steps to keep your
DAC by phone or by post. If any claim has been made
have paid an extra premium to extend your cover). be found on page 24 of this policy document. motorcycle in a safe and roadworthy condition
during the period of cover provided, you must pay
and protect it from damage, including fire, theft or
• any proceedings brought against you outside the You must also let An Garda Síochána know the full annual premium and you will not be entitled
attempted theft, malicious damage and someone
Republic of Ireland, unless they result from using immediately or at the latest within 24 hours of: to any refund.
taking your motorcycle without your permission.
your motorcycle in a country which we have • an event which injures a person or animal, Please note you may only cancel the Legal Expenses
agreed to extend this insurance to cover. Your motorcycle must be kept or used with a valid
• if your motorcycle is stolen, or Department of Environment (N.C.T.) certificate, if one and Breakdown cover if you cancel your motorcycle
• any liability, injury, loss or damage caused directly or • if it is damaged maliciously or as a result of cover as cover is included as part of the Carole Nash
is needed. You must also keep to all legal regulations
indirectly by: attempted theft. product.
relating to your motorcycle and its ownership.
− pollution; or You should not admit responsibility for an accident. You must allow us to examine your motorcycle 11. Our Right to Cancel
11 Carole Nash Insurance Consultants (Ireland) DAC Carole Nash Insurance Consultants (Ireland) DAC 12We or anyone we authorise have the right to cancel
this policy at any time by sending you ten days’
motorcycle;
• any rider develops a health condition which may
Legal Expenses Policy Claims outside the Republic of Ireland may be dealt
with by ARAG offices elsewhere in Europe.
notice in writing where there is a valid reason for affect their riding; If an insured person is prosecuted for a motoring
Your Legal Expenses policy is provided by ARAG Legal
doing so. We will send the notice to the last known • the mileometer on your motorcycle fails offence, we will appoint a lawyer to represent them.
Protection Limited, registered in Republic of Ireland
address we have for you and we will set out the (applicable only if you have submitted an annual Send your claim to:
number 639625. Registered address: Europa House,
reason for cancellation in our letter. Valid reasons mileage declaration); Harcourt Centre, Harcourt Street Dublin 2, D02 WR20. Claims Department
may include but are not limited to:
• you change your occupation; ARAG Legal Protection Limited is regulated by the ARAG Legal Protection Limited.
- Changes in the information detailed on your Central Bank of Ireland. Europa House
• you change your address.
statement of fact or Policy Schedule which may Harcourt Centre
This is not a full list. If you are not sure whether ARAG Legal Protection Limited is a coverholder of the
result in the risk no longer being acceptable to us. Harcourt Street
to report any change, please speak to Carole Nash insurer ARAG Insurance Company Limited, a Branch of
- Where we suspect fraud on this or any other related ARAG Allgemeine Versicherungs-AG. ARAG Insurance Dublin
Insurance Consultants (Ireland) DAC. We may
policy. D02 WR20
re-assess your cover and premium as a result of Company Limited is authorised and regulated by the
- Where a misrepresentation has been made that any important information you give and mid-term Federal Financial Supervisory Authority, BaFin (firm Email: claims@arag.ie
means we no longer wish to provide cover. changes may be subject to additional fees, as detailed Telephone: 01670 7470
reference number VU5455), the regulatory authority
As long as you have not made a claim, we will refund in our Terms of Business document. in Germany, and is regulated by the Central Bank of
you for the time that was left on your policy. If IF YOU NEED ANY OTHER HELP FROM US
If the information provided by you is not complete Ireland for Conduct of Business rules.
any claim has been made during the period of cover You can phone us at any time on 1850 211 433 for
and accurate: As a ARAG policyholder, you are now protected by the legal advice on any personal legal problem or for help
provided, you must pay the full annual premium and
• we may cancel your policy and refuse to pay any Republic of Ireland’s leading legal expenses insurer. with general motoring emergencies.
you will not be entitled to any refund.
claim, or If you are involved in a motor accident, prosecuted
12. Avoiding Certain Terms and Right • we may not pay any claim in full, or for a motoring offence, have a motor contract WHEN WE CANNOT HELP
of Recovery dispute, need legal advice or need help with motoring We will not be able to help you if we think there is
• we may revise the premium and/or change the
We may have to pay a claim because the law of a emergencies, we are here to help you 24 hours a day, little chance of recovering your uninsured losses.
compulsory excess, or
country which this policy operates in says we must. If 365 days a year. Please do not ask for help from a solicitor before we
• the extent of the cover may be affected. have agreed. If you do, we will not pay the costs
we would not have paid this claim otherwise, we can To make sure that you get the most from your ARAG
ask for a refund from you or the person responsible 14. Fraudulent Claims cover, please take time to read the policy which involved.
for causing the claim. If you or anyone representing you makes a claim explains the contract between you and us. If you
13. Changes in Your Circumstances or part of any claim that is fraudulent, false or have any questions or would like more information,
please contact ARAG Legal Protection Limited.
Legal advice service
exaggerated;
You must tell Carole Nash Insurance Consultants We will give the insured person confidential legal
We may: IT WILL HELP YOU IF YOU KEEP THE FOLLOWING
(Ireland) DAC immediately about any changes to advice over the phone on any personal legal problem,
• reject the claim or reduce the amount of payment POINTS IN MIND:
the information set out in the Statement of Fact, under the laws of the Republic of Ireland and the
Certificate of Motor Insurance or on your Policy we make; AFTER A MOTOR ACCIDENT United Kingdom. Wherever possible the Legal Advice
Schedule. You must also tell Carole Nash Insurance • cancel your policy from the date of the fraudulent If you are involved in an accident, remember to helpline aims to provide immediate advice from a
immediately if any of the following happens: act and not return any premium paid; write down as many details as possible, including the qualified legal adviser.
• you or any rider receive any motoring convictions • recover from you any costs we’ve incurred relating names and addresses of anyone who may have seen However if this is not possible they will arrange a call
or fixed penalty endorsements (pending or not) to the fraudulent claim and any further claims the accident. Let us have this information as soon as back at a time to suit the insured person.
or any accidents, claims, thefts or losses occur notified after the date of the fraudulent act; you can, either by giving it to your insurance adviser Our legal advisers provide advice on the laws of the
including fault and non fault, whether claimed for • pass details to fraud prevention and law or by sending it to us at the address below. Republic of Ireland 24 hours a day, 7 days a week, 365
or not on any motor vehicle policy. enforcement agencies who may access and use this If you are not sure what to do after an accident, call days a year. Where advice is sought in an area of law
• you or any other rider has been convicted of a information. Other Insurers may also access this our Legal Advice Service. beyond this jurisdiction or in respect of very specialist
criminal offence or have possible prosecutions information.
HOW WE HELP YOU matters, we will refer the insured person to one of
outstanding; 15. Arbitration - Settlement of dispute our specialist advisers. This will include certain areas
• the main rider of your motorcycle changes; Once we have accepted your claim, we aim to
Any dispute relating to a claim between you and us of law for Scotland and Northern Ireland.
recover your uninsured losses from the other
• the registered keeper of your motorcycle changes; under this policy will be referred to arbitration. The Specialist advice is provided 9am - 5pm, Monday to
person who caused the accident. Uninsured losses
• you change your motorcycle for another one; appointment of the arbitrator will be by agreement could include the cost of repairing or replacing the Friday, excluding public and bank holidays. If calls are
• any modification to or alterations from the between you and us. If we cannot agree, an insured vehicle, your motor insurance policy excess, made outside these times, we will call the insured
manufacturers standard specification, including arbitrator will be appointed by the authorised body compensation following injury or other out-of-pocket person back.
any manufacturer or dealer fitted option, whether identified in the current arbitration legislation. If the expenses.
or not performance is altered or any other disputed claim is not referred to arbitration within
12 months of your claim being turned down, we will
We normally recover your uninsured losses or This is Your Arag Motor
changes which could improve value, appearance,
performance or handling; treat the claim as abandoned.
deal with motor contract disputes by appointing a
lawyer to handle your claim. In most cases, we will
Legal Protection Plus Policy
• the condition or specification of your motorcycle choose the lawyer for you. If an insured person has
changes (if your motorcycle is covered on an We agree to provide the insurance in this policy,
been injured or killed we will help to deal with their
agreed value basis) keeping to the terms, conditions and exclusions as
compensation claim through the Personal Injuries
long as:
• you change the place where you usually keep your Assessment Board (PIAB).
13 Carole Nash Insurance Consultants (Ireland) DAC Carole Nash Insurance Consultants (Ireland) DAC 14• the date of occurrence of the insured incident Representative WHAT IS NOT COVERED 5. A ny claim caused by, contributed to by or arising
happens during the period of insurance and within The lawyer, or other suitably qualified person, who Parking offences. from:
the territorial limit; and has been appointed by us to act for an insured 6. Ionising radiation or contamination by
• any legal proceedings will be dealt with by a court
or other body which we agree to in the territorial
person in accordance with the terms of this policy. Section 7 radioactivity from any nuclear fuel or from any
nuclear waste from burning nuclear fuel;
Territorial Limit
limit; and
For insured incident Accident loss recovery, Motor Motor Contract Disputes 7. the radioactive, toxic, explosive or other
• in civil claims it is always more likely than not an hazardous properties of any explosive nuclear
legal defence and personal injury, the United Kingdom
insured person will recover damages (or other legal Legal costs incurred in respect of a dispute arising assembly or nuclear part of it;
of Great Britain and Northern Ireland, the European
remedy) or make a successful defence. from an agreement which you have for buying, 8. war, invasion, foreign enemy hostilities (whether
Union, the Isle of Man, the Channel Islands, Albania,
selling, hiring or insuring an insured vehicle or its war is declared or not), civil war, rebellion,
DEFINITIONS Andorra, Bosnia Herzegovina, Gibraltar, Iceland,
spare parts or accessories or the service, repair or
Liechtenstein, Macedonia, Monaco, Montenegro, revolution, military force or coup;
The following words have these meanings wherever testing of an insured vehicle.
they appear in this policy in bold: Norway, San Marino, Serbia, Switzerland, and Turkey. 9. pressure waves caused by aircraft or any other
Provided that: airborne devices travelling at sonic or supersonic
For insured incidents Motor contract disputes, the
Date of Occurrence Republic of Ireland. a. you must have entered into the agreement during speeds.
a. F or civil cases, the date of the event that leads to the period of insurance, and 10. Any disagreement with us that is not in Condition 7.
a claim. If there is more than one event arising at Uninsured Losses b. the amount in dispute must be more than €150. 11. The cost of obtaining a medical report when
different times from the same originating cause, Losses which an insured person has incurred as a registering a claim with the Personal Injuries
the date of occurrence is the date of the first of result of a road traffic accident which was not their WHAT IS NOT COVERED
Assessment Board (PIAB).
these events. (This is the date the event happened, fault, and which are not covered under the motor Any claim relating to the settlement payable under
an insurance policy (we will cover a dispute if your 12. Any legal action an insured person takes which
which may be before the date you or an insured insurance policy issued with this policy.
insurer refuses your claim, but not for a dispute over we or the representative have not agreed to
person first became aware of it.) We, Us, Our the amount of the claim). or where the insured person does anything that
b. For motoring offences, the date of the motor ARAG Legal Protection Limited. hinders us or the representative.
offence an insured person is alleged to have WHAT IS COVERED
You, Your 13. Legal costs arising from or relating to judicial
committed. If there is more than one offence 1. I f a representative is appointed by us, we will review, coroner’s inquest, fatal accident inquiry or
arising at different times, the date of occurrence is The person who has taken out this policy. pay the legal costs for insured incidents under injunctions.
the date an insured person began, or is alleged to your policy.
have begun, to break the law. Insured Incidents 2. For insured incidents involving the death of
14. Any claim where the insured person settles or
discontinues without consent from us.
Personal Injuries Assessment Board (PIAB) or injury to an insured person we will pay the
An independent statutory government body which WHAT IS COVERED application fee required by the Personal Injuries CONDITIONS WHICH APPLY TO THE LEGAL
assesses the amount of compensation due to a person Assessment Board (PIAB). EXPENSES POLICY
who has suffered a personal injury. Section 5 3. For all insured incidents we will help in appealing 1. An insured person must:
or defending an appeal provided that the insured
Insured Incidents
a. Accident loss recovery and personal injury
Accident Loss Recovery and person tells us that he or she wants us to appeal
a. Keep to the terms and conditions of this policy;
b. Try to prevent anything happening that may cause
within the statutory time limits allowed. Before we
b. Motor legal defence Personal Injury pay any legal costs for appeals, we must agree that it
a claim;
c. Motor contract disputes is more likely than not that the appeal will succeed. c. Take reasonable steps to keep any amount we
Legal costs incurred to recover uninsured losses after have to pay as low as possible;
Insured Person(s) 4. The most we will pay for all claims resulting from
an event which: d. Send everything we ask for, in writing;
You, and any passenger or driver who is in or on one or more event arising at the same time or
a. causes damage to the insured vehicle or to from the same originating cause, is €130,000. e. Give us full details in writing, of any claim.
the insured vehicle with your permission. Anyone personal property in it; or
claiming under this policy must have your agreement WHAT IS NOT COVERED 2.
b. injures or kills an insured person while he or she is
to claim. a. W e can take over and conduct in the name of an
in or on the insured vehicle; or 1. A claim where the insured person has failed
Insured Vehicle to notify us of the insured incident within insured person, any claim or legal proceedings at
c. injures or kills you while you are driving another
a reasonable time of it happening and where any time. We can negotiate any claim on behalf of
The vehicle (below 7.5 tonnes total vehicle weight) motor car or motor cycle; or
this failure adversely affects the prospect of an insured person.
specified in the motor insurance policy issued with d. injures or kills you or any member of your family
this policy. It also includes any caravan or trailer successfully recovering damages (or getting any b. An insured person is free to choose a
(who always live with you) as a passenger in a
attached to this vehicle. other legal remedy that we have agreed to) or of representative (by sending us a suitably qualified
motor vehicle, a cyclist or a pedestrian.
making a successful defence. person’s name and address) if:
Legal Costs
All reasonable and necessary costs charged by the Section 6 2. Any legal costs that are incurred before we agree
to pay them.
− we agree to start legal proceedings and it
becomes necessary for a lawyer to represent
representative on a party/party basis. Also the costs
incurred by opponents in civil cases if an insured Motor Legal Defence 3. The insured vehicle being used by anyone who the interests of an insured person in those
proceedings; or
does not have valid motor insurance.
person has to pay them or pays them with our
Legal costs incurred to defend an insured person’s 4. Fines, damages or other penalties which an − there is a conflict of interest.
agreement.
legal rights if they are prosecuted for an offence insured person is ordered to pay by a court or We may chose not to accept an insured person’s
Period of Insurance connected with the use or driving of an insured vehicle. other authority. choice, but only in exceptional circumstances.
The period for which we have agreed to cover you If there is a disagreement over the choice of
15 Carole Nash Insurance Consultants (Ireland) DAC Carole Nash Insurance Consultants (Ireland) DAC 16You can also read
