SCOOT AND COMMUTE - INSURANCE DOCUMENTS - Carole Nash

 
SCOOT AND COMMUTE - INSURANCE DOCUMENTS - Carole Nash
SCOOT AND
COMMUTE

INSURANCE
DOCUMENTS
Useful Numbers and                                               Important Information                                       Welcome
information                                                      CHANGES IN YOUR CIRCUMSTANCES                               Thank you for arranging your motorcycle insurance
                                                                                                                             through Carole Nash, we hope you find this booklet useful
CUSTOMER SERVICES                                                You must tell Carole Nash Insurance immediately about
                                                                                                                             in ensuring you get the most out of your insurance policy.
                                                                 any changes to the information set out in the Statement
If you have any queries regarding this policy, please contact
                                                                 Of Fact, Certificate Of Motor Insurance or on your Policy   Contained within this booklet is information about your
us:
                                                                 Schedule.                                                   policy cover. Please take time to read the policy wordings
Phone: 0800 298 5511                                                                                                         and your Carole Nash Terms of Business (enclosed
                                                                 More information can be found on page 9.
                                                                                                                             within your policy document pack) as they contain vital
Email: bikes@carolenash.com
                                                                                                                             information about your policy.
MAKING A CLAIM                                                   Data Protection                                             If you have any queries regarding this policy, please
Should you be in the unfortunate position of having to make      Please check your insurers’ privacy notice on the           contact us:
a claim, our in-house ’Talking Claims’ service removes much of   Statement of Fact for more information on how they use      Phone: 0800 298 5511
the inconvenience and hassle to you. Simply call                 your information.
0800 298 5533.                                                                                                               E-mail:bikes@carolenash.com
More information can be found on page 8.

UK BREAKDOWN ASSISTANCE
Should you need to use breakdown assistance under the
terms of this policy, simply call the number below:
In the UK: 0800 093 5318
More information can be found on page 16.

LEGAL EXPENSES
Should you require help to recover costs such as loss
of earnings, a policy excess, hire of another vehicle or
compensation for any injury you suffer as a result of an
accident which was not your fault. This cover is included
as part of your policy.
24hr Legal Helpline Tel. No. 0333 241 9567
More information can be found on page 11.

FOREIGN USE
Should you wish to travel to a country outside the EU
which is not listed in your Policy Schedule, or if you wish
to travel with your motorcycle overseas for longer than is
stated in your Policy Schedule, please call us on
0800 298 5511.
More information can be found on page 6.
Contents                                                                        Contract of
CONTRACT OF MOTORCYCLE INSURANCE   2                                            Motorcycle Insurance
MOTORCYCLE INSURANCE                                                            CONTRACT OF INSURANCE
POLICY WORDING                     3
                                                                                We will provide insurance under the terms, exceptions,
Definitions                         3                                           conditions and endorsements of this policy, during any
                                                                                period for which we have accepted your premium and
SECTION 1                                                                       within the territorial limits. Please take time to read
Liability to others                 4                                           through your documents which contain important
SECTION 2                                                                       information about the details you have given.
Cover for fire & theft              5                                           The law of England and Wales will apply to this contract
SECTION 3                                                                       unless:
Damage to your motorcycle           5                                           • you and the Insurer agree otherwise; or
SECTION 4                                                                       • at the date of the contract you are a resident of (or,
Foreign use                         6                                              in the case of a business, the registered office or
                                                                                   principal place of business is situated in) Scotland,
GENERAL EXCEPTIONS                 7                                               Northern Ireland, Channel Islands or the Isle of Man,
                                                                                   in which case (in the absence of agreement to the
POLICY CONDITIONS                  8                                               contrary) the law of that country will apply.
Cancellation                        8                                           Signed for and on behalf of the Insurers.

LEGAL EXPENSES POLICY              11
Definitions                        11
SECTION 1
Uninsured Loss Recovery            13
                                                                                Ian Donaldson
SECTION 2                                                                       Chief Executive Officer
Motor Prosecution Defence          14                                           Carole Nash Insurance Consultants Ltd

SECTION 3
Motor Contract Cover               14
UK BREAKDOWN RECOVERY POLICY       16
Definitions                        16
SECTION 4
UK assistance
16
COMPLAINTS PROCEDURE               19

1                                       Carole Nash Insurance Consultants Ltd   Carole Nash Insurance Consultants Ltd                       2
Motorcycle Insurance                                         INSURER/WE/OUR/US
                                                             The Insurer described on the Policy Schedule.
                                                                                                                                Your Cover
Policy Wording                                               MARKET VALUE
                                                                                                                                Your current Policy Schedule shows the cover applicable to your motorcycle(s)

                                                                                                                                                                                                                   THIRD PARTY        THIRD PARTY PAGE NO.
DEFINITIONS                                                  The cost of replacing your motorcycle with one of the                    SECTION                COVER PROVIDED               COMPREHENSIVE            FIRE & THEFT          ONLY
The following words or phrases have the meanings given       same make, model, specification, mileage and age, and
                                                             which is in the same condition your motorcycle was in                   SECTION 1               Liability to Others                   3                      3                  3              4
below whenever they appear in the main Motorcycle
Insurance Policy wording. These will be shown in bold.       immediately before the loss or damage you are                           SECTION 2              Cover for Fire & Theft                 3                      3                  x              5
                                                             claiming for.                                                                                    Damage to your
ACCESSORIES                                                                                                                          SECTION 3                                                     3                      x                  x              5
                                                                                                                                                                motorcycle
Additional or supplementary parts of your motorcycle         MOTORCYCLE
                                                                                                                                     SECTION 4                  Foreign Use                        3                      3                  3              6
not directly related to its function as a motorcycle. This   Any mechanically propelled vehicle with or without a
definition includes top boxes, tank bags and other luggage   sidecar that has less than four wheels as specified on the                            Legal expenses cover,
                                                                                                                                 LEGAL EXPENSES in the event of an accident                                                                                 11
carriers while fitted to your motorcycle but does not        Policy Schedule or described in the current Certificate                 POLICY                                                        3                      3                  3
include telephone, audio, navigation equipment, helmets or   of Motor Insurance.                                                                    that is not your fault
clothing.
                                                             PERIOD OF INSURANCE                                                       UK                  UK accident breakdown
AGREED VALUE (IF APPLICABLE)                                 The period of time covered by this insurance (as shown in             BREAKDOWN                 recovery, including                   3                      3                  3              16
                                                             the Certificate of Motor Insurance and your Policy                     RECOVERY                     Homestart
This is the amount shown in the Policy Schedule,
which represents the value of your motorcycle. This          Schedule).
is the most we will pay you if your motorcycle is lost,
totally destroyed or where the cost of repairs is greater
                                                             POLICY                                                             Section 1                                                              OTHER PEOPLE RIDING OR USING YOUR
                                                                                                                                                                                                       MOTORCYCLE
than the agreed value.                                       The contract between us and you which is made up of
                                                             the current Policy Schedule, Certificate of Motor                  LIABILITY TO OTHERS                                                    The following people are also insured:
Note: Agreed value can be considered only if you             Insurance, Statement of Fact and this booklet.                                                                                            • a ny person you allow to ride or use your
                                                                                                                                WHAT IS COVERED
have submitted all necessary photographs (and                                                                                                                                                             motorcycle, as long as this is allowed by your
valuation if required) and these have been received and      POLICY SCHEDULE                                                    RIDING YOUR MOTORCYCLE                                                    current Certificate of Motor Insurance and has
accepted by Carole Nash Insurance Consultants Ltd. If        This provides details of you, your motorcycle and the              We will insure you for all the amounts you may be legally                 not been excluded by an endorsement, exception
this documentation has not been received and your            insurance protection provided to you.                              liable to pay for:                                                        or condition.
motorcycle is lost, totally destroyed or damaged, the                                                                            • death or injury to other people; or                                 • any person who causes an accident while travelling
                                                             RACE TRACK
most we will pay will be market value.                                                                                                                                                                    on or getting on or off your motorcycle.
                                                             Any track, field, circuit or road, including toll roads (with no    • damage to another person’s property up to a
CERTIFICATE OF MOTOR INSURANCE                               maximum speed limit), which is being used at the time of               maximum amount of £20,000,000 and claimants                        BUSINESS USE
Evidence that you have the motor insurance required by       the loss or damage for racing, rallies, pacemaking, speed              costs and expenses and any other costs and expenses                If your Certificate of Motor Insurance allows business
                                                             trials or track days.                                                  up to £5,000,000                                                   use, we will insure your employer or business partner
law. It shows who may ride your motorcycle and what it
may be used for.                                                                                                                as a result of any accident you have while you are riding,             against the events shown under ‘Riding your motorcycle’
                                                             STATEMENT OF FACT                                                  using or in charge of your motorcycle, during the                      while you are working for that employer or partner,
CONDITIONS                                                   The document completed by you or on your behalf                    period of insurance.                                                   but not while using a vehicle provided by the employer
These describe your responsibilities and the procedures      which contains information you gave at the time the                                                                                       or partner unless that vehicle is shown in the Policy
that you must follow. Failure to meet with policy            insurance was arranged and on which we have relied in              RIDING OTHER MOTORCYCLES
                                                                                                                                                                                                       Schedule.
conditions could mean that you do not have the full          providing this insurance.                                          We will also provide the cover shown above (if this is specified
protection of your policy and that we may refuse to                                                                             in your Certificate of Motor Insurance) for you to ride                LEGAL PERSONAL REPRESENTATIVES
                                                             TERRITORIAL LIMITS                                                 any motorcycle that you do not own and have not hired
deal with your claim or reduce the amount of any claim                                                                                                                                                 After the death of anyone who is covered by this insurance,
payment.                                                     The United Kingdom of Great Britain and Northern Ireland,          under a hire purchase or leasing agreement, as long as you             we will deal with any claim made against that person’s
                                                             the Isle of Man and the Channel Islands.                           have the owner’s permission to ride it.                                estate, provided that the claim is covered by this insurance.
ENDORSEMENT
                                                             YOU/YOUR/POLICYHOLDER                                              You are not insured against the following:                             LEGAL COSTS
A change in the terms of the insurance which replaces the
standard insurance wording, and is printed on, or issued     The person described as the policyholder on the current             • a ny loss or damage to the motorcycle you are riding.              If we agree in writing, we will pay for the following legal
with, the Policy Schedule.                                   Certificate of Motor Insurance.                                                                                                           fees if they arise from a claim caused by an accident that is
                                                                                                                                 • any event which occurs outside of the territorial limits..
                                                                                                                                                                                                       covered under this insurance:
EXCESS                                                                                                                           • any event which occurs when the insurance is not in the
                                                                                                                                    name of an individual person.                                      • t he solicitor’s fee for representing anyone we insure
The amount you must pay towards any claim.
                                                                                                                                 • any liability if you are not riding the motorcycle.                    at a court of summary jurisdiction, fatal accident
                                                                                                                                                                                                          enquiry or coroner’s inquest.
                                                                                                                                 • securing the release of a motorcycle which has been
                                                                                                                                    seized or confiscated by, or on behalf of, any government          • the costs of legal services we arrange for defending an
                                                                                                                                    or public authority.                                                  insured person against manslaughter or causing death
                                                                                                                                                                                                          by dangerous driving.
                                                                                                                                 • any liability unless the owner or keeper of the
                                                                                                                                    motorcycle you are riding has arranged his/her own
                                                                                                                                    insurance separate to this policy

3                                                                         Carole Nash Insurance Consultants Ltd                 Carole Nash Insurance Consultants Ltd                                                                                               4
EMERGENCY MEDICAL TREATMENT                                    WHAT IS NOT COVERED                                        If your motorcycle is insured on a market value basis           Article (8) of EC Directive 2009/103/EC relating to civil
We will pay for emergency medical treatment after an           • The amount of the excess shown in the Policy           in the event of a total loss the salvage/motorcycle will        liabilities arising from the use of a motor vehicle.
accident involving any motorcycle which this insurance             Schedule.                                              become the property of the Insurer.                         European Union (EU) compulsory cover does not apply
covers.                                                        • loss of value, wear and tear, mechanical, electrical,                                                               when you are riding any motorcycle that you do
                                                                                                                          WHAT IS NOT COVERED
The Road Traffic Act says we must provide this cover. If           electronic or computer failures or breakdowns                                                                      not own or have hired under a hire purchase or leasing
                                                                   or breakages.                                          • t he amount of the excess shown in the                   agreement.
this is the only payment we make, it will not affect your                                                                    Policy Schedule.
no claim bonus.                                                • loss of use.                                                                                                         In addition we will also provide the cover shown in your
                                                                                                                          • loss of value, wear and tear, mechanical, electrical,
By law the person using your motorcycle must pay the           • depreciation in value of your motorcycle after you         electronic or computer failures or breakdowns or         Policy Schedule while you are using your motorcycle
                                                                  have made a valid claim under this Section.                breakages.                                               within the areas listed above.
cost of emergency treatment. They should pass the bill
for emergency treatment to us straight away along with a       • loss or damage caused by deception.                      • damage to tyres by braking, punctures, cuts or bursts.   While you are visiting these countries, your insurance will
fully completed accident report form.                          • theft as a result of keys remaining in or on your       • loss of use.                                             be extended to cover the following:
                                                                  motorcycle whilst it is unattended.
WHAT IS NOT COVERED                                                                                                       • depreciation in value of your motorcycle after you       • y our motorcycle being moved (including loading
                                                               • loss of or damage to any accessory which is not            have made a valid claim under this Section.                 and unloading) by sea, rail or air between the
These exceptions apply to the whole of Section 1 - Liability      permanently attached to your motorcycle at the                                                                         countries where you have cover.
to others.                                                        time of the loss.                                       • loss of or damage to any accessory which is not
                                                                                                                             permanently attached to your motorcycle, at the          • in the event of any incident which results in a claim
• d eath of, or bodily injury to any person arising out       • loss of or damage to accessories unless your               time of the loss.                                           under Section 2 - Cover for fire and theft, or
   of and in the course of their employment by the                motorcycle is damaged or stolen at the                                                                                 Section 3 - Damage to your motorcycle:
                                                                  same time.                                              • damage caused by chewing, scratching, tearing
   policyholder or by any other person claiming under                                                                                                                                    −− the cost of delivering your motorcycle to you or
                                                                                                                             or fouling by domestic pets, or caused by vermin,
   this insurance. This does not apply if we need to           • theft or unauthorised taking of your motorcycle by                                                                         to your home within the territorial limits. after
                                                                                                                             animals, insects, mildew or fungus.
   provide cover due to the requirements of relevant laws.        a member of the policyholder’s family or anyone                                                                            necessary repairs have been finished; or
                                                                  normally living with you.                               • damage caused by frost, smog or any
• loss of, or damage to, any property belonging to (or                                                                                                                                  −− foreign customs duty you must pay because
                                                                                                                             gradual process.
   in the care of) any person claiming under this Section      • loss of or damage to specialist paintwork, including                                                                       damage to your motorcycle prevents its return
   of the insurance.                                              any engraving or precious metals, on your               • loss or damage resulting from unauthorised
                                                                                                                             taking of your motorcycle by a member of the                    to the United Kingdom.
• anyone covered by any other insurance.                         motorcycle.
                                                                                                                             policyholder’s family or anyone normally living with     • General Average and Salvage charges if you are liable.
• loss of or damage to any motorcycle or trailer              • loss of or damage to trailers.                              you.                                                     We will only provide this cover if your permanent home is
   covered under this insurance.                               • loss of or damage to your motorcycle or                 • loss of or damage to accessories unless your             in the United Kingdom.
                                                                  accessory due to or occasioned by the impounding           motorcycle is damaged at the same time.
Section 2                                                         or destruction of your motorcycle
                                                                   by an authorised body.                                 • damage to specialist paintwork, including any
                                                                                                                                                                                      Important: The length of time that we will give cover for
                                                                                                                                                                                      under this section in any one period of insurance may
                                                                                                                             engraving or precious metals, on your motorcycle.
COVER FOR FIRE & THEFT                                         • loss or damage from taking your motorcycle and
                                                                                                                          • damage you or anybody insured under this policy
                                                                                                                                                                                      be limited. The number of days that we will provide this
                                                                   returning to its legal owner.                                                                                      cover for will be specified in the endorsements shown in
WHAT IS COVERED                                                                                                              has done deliberately.                                   your Policy Schedule.
If your motorcycle or its accessories are lost or
                                                               Section 3
                                                                                                                          • loss of or damage to trailers.
                                                                                                                                                                                      If you want to travel to a country that is not shown on
damaged by fire, theft or attempted theft during the                                                                      • loss of or damage to your motorcycle or accessory        the back of your Certificate of Motor Insurance, or if
period of insurance, we will choose to either repair
or replace your motorcycle or the accessory, or                DAMAGE TO YOUR MOTORCYCLE                                     due to or occasioned by the impounding or destruction
                                                                                                                             of your motorcycle by an authorised body.
                                                                                                                                                                                      you wish to go for longer than the number of days shown
                                                                                                                                                                                      in your endorsement, please contact our Customer
we will give the legal owner a cash payment up to or           WHAT IS COVERED                                            • loss or damage from taking your motorcycle and           Services team on 0800 298 5511.
the same as the market value or agreed value of                If your motorcycle or its accessories are accidentally        returning to its legal owner.
your motorcycle or the accessory at the time it was            or maliciously damaged or vandalised during the period
damaged.
Suitable parts or accessories may be used which are not
                                                               of insurance, we will choose to either repair or replace
                                                               your motorcycle or the accessory, or we will give          Section 4
                                                               the legal owner a cash payment up to or the same as the
supplied by the original manufacturer.
                                                               market value or agreed value of your motorcycle
                                                                                                                          FOREIGN USE
If your motorcycle is insured on an agreed value               or the accessory at the time it was damaged.               EUROPEAN UNION (EU) COMPULSORY COVER
basis (as stated in the Policy Schedule) in the event of                                                                  We provide the minimum cover required by law to allow
a total loss you may be given the option to purchase any       Suitable parts or accessories may be used which are not
                                                                                                                          you to use your motorcycle in any of the following
remaining salvage at the amount your motorcycle will           supplied by the original manufacturer.
                                                                                                                          countries:
attract on the open market in its damaged condition.           If your motorcycle is insured on an agreed value
                                                                                                                          • a ny country, which is a member of the
If your motorcycle is insured on a market value basis          basis (as stated in the Policy Schedule) in the event of      European Union.
in the event of a total loss the salvage/motorcycle will       a total loss you may be given the option to purchase any
                                                               remaining salvage at the amount your motorcycle will       • any country which has Commission of the European
become the property of the Insurer.                                                                                          Communities is satisfied has made arrangements of
                                                               attract on the open market in its damaged condition.

5                                                                         Carole Nash Insurance Consultants Ltd           Carole Nash Insurance Consultants Ltd                                                                                  6
General Exceptions                                                    −− earthquake;
                                                                      −− ionising radiation or radioactive contamination from
                                                                                                                                       POLICY CONDITIONS
                                                                                                                                       You must comply with the following conditions to have
                                                                                                                                                                                                         5. REASONABLE PRECAUTIONS
                                                                                                                                                                                                         You must take all reasonable steps to keep your
These general exceptions apply to the whole of this insurance.            nuclear fuel, or nuclear waste, or the radioactive, toxic,   the full protection of your policy. If you do not comply with     motorcycle in a safe and roadworthy condition and
Your insurance does not cover the following:                              explosive or other dangerous properties of explosive         them we may at our option cancel the policy or refuse             protect it from damage, including fire, theft or attempted
                                                                          nuclear equipment or nuclear parts;                          to deal with your claim or reduce the amount of any claim         theft, malicious damage and someone taking your
• a ny liability, accident, injury, loss or damage that happens      −− pressure waves caused by aircraft and other flying                                                                             motorcycle without your permission.
                                                                                                                                       payment.
   while any motorcycle covered by this insurance is:                     objects; or
                                                                                                                                       1. NO CLAIMS BONUS                                                The motorcycle must be kept or used with a valid
   −− being used for a purpose which your motorcycle                 −− carrying any dangerous substances or goods
       is not insured for;                                                                                                                                                                               Department of Transport test (M.O.T.) certificate, if one is
                                                                          (except where we need to provide cover to meet               If you or anyone else does not make a claim under this
                                                                                                                                                                                                         needed.
   −− in the charge of anyone who is not described in                   the compulsory motor insurance law).                          insurance, we will discount your renewal premium in
       the Certificate of Motor Insurance as a person                                                                                  line with the scale of no claim bonus which applies at the        You must also keep to all legal regulations relating to
                                                                   • any liability, loss or damage that happens outside
       entitled to ride;                                                                                                               time. If you would like more information on the no claim          your motorcycle and its ownership. You must allow us
                                                                      the territorial limits (apart from where cover is
   −− is in the charge of anyone who is excluded from                provided under European Union (EU) compulsory                    bonus scale which applies or how your no claim bonus              to examine your motorcycle whenever we ask.
       riding by an endorsement;                                      cover in Section 4 - Foreign use, or unless you have             may be affected following a claim, you should contact
                                                                                                                                                                                                         6. KEEPING TO THE TERMS OF THIS POLICY
                                                                      paid an extra premium to extend your cover).                     Carole Nash Insurance Consultants Ltd.
   −− being ridden by or in the charge of anyone who                                                                                                                                                    We will only give you the cover that is described in this
       does not have a driving licence and or a valid              • any proceedings brought against you outside the                  2. HOW TO MAKE A CLAIM                                            policy if any person claiming has met with all its terms
       Compulsory Basic Training certificate if required;             territorial limits, unless they result from using                                                                                  and conditions and endorsements, as far as they
                                                                                                                                       Contact Carole Nash Insurance Consultants Ltd with full details
   −− being ridden by or in the charge of anyone who is              your motorcycle in a country which we have                       immediately after any damage or accident which might result       apply.
       disqualified from riding, who has not held a driving          agreed to extend this insurance to cover.
                                                                                                                                       in a claim under this policy. You or any other person claiming
       licence or who is prevented by law from holding one;        • any liability, injury, loss or damage caused directly or                                                                           7. FAILURE TO PAY A PREMIUM INSTALMENT
                                                                                                                                       under this policy must send any claim form, summons or
   −− being ridden by or in the charge of anyone who                 indirectly by:                                                   other correspondence to Carole Nash immediately.                  If you fail to pay an instalment you will be charged a
       does not meet the terms and conditions of their                −− pollution, or                                                                                                                   missed payment fee and be given a notice of cancellation.
       driving licence;                                                                                                                Carole Nash has a ’Talking Claims’ service which removes
                                                                      −− contamination.                                                much of the inconvenience and hassle to you. Simply call          If payment is not made within the period of this notice,
   −− being used on any part of an airport or airfield                                                                                                                                                  the policy will be cancelled and you will be charged for
                                                                   unless the pollution or contamination is directly caused            0800 298 5533.
       provided for aircraft movement, parking or                                                                                                                                                        the number of days cover that has been provided plus a
                                                                   by one incident at a specific time and place during the
       maintenance;                                                                                                                    If you are making a claim following the theft or attempted        cancellation fee will be made.
                                                                   period of insurance and is:
   −− being used to carry passengers or goods in a                                                                                    theft of, or malicious damage to your motorcycle, you
                                                                       −−   sudden.                                                    must give immediate notification of the incident to the           Please refer to the Carole Nash Terms of Business for
       way likely to affect the safe driving or control of
       your motorcycle;                                                                                                                Police.                                                           details.
                                                                       −−   identifiable.
   −− being used on a race track or off road activity of              −−   unintended or                                              3. DEFENDING OR SETTLING THE CLAIM                                8. COOLING OFF PERIOD
       any description or de restricted toll roads such as             −−   unexpected.                                                                                                                  You have the right to cancel your policy for a period
                                                                                                                                       Unless they have our written permission, no person can
       the Nurburgring.                                                                                                                                                                                  of 14 days, either from the day of purchase/renewal of
                                                                   The pollution caused by one incident will be considered to          represent or admit liability for us or for you or any other
• anyone who does not meet all the terms and                                                                                          person claiming cover under this policy. We can carry             the contract or from the day you receive your policy
                                                                   have occurred at the time the incident took place.
   conditions of this insurance                                                                                                        out the defence or settlement of any claim and we can             documentation, whichever is the later. If you exercise this
• any liability that you have agreed to accept unless             This exception does not apply if any compulsory motor               choose the solicitor who will act for you in any legal            right you will be charged for the number of days cover
   you would have had that liability anyway.                       insurance law says we must provide this cover.                      action.                                                           that has been provided plus a cancellation fee. Please refer
• any loss, damage, injury or liability directly or indirectly                                                                                                                                          to the Carole Nash Terms of Business for details.
                                                                                                                                       We can also take legal action in your name or the name
   caused by:                                                                                                                                                                                            There will be no refund if a total loss has occurred. You
                                                                                                                                       of any other person covered by this policy, to recover any
   −− war, invasion, act of terrorism, act of foreign                                                                                 payment we have made under this policy. You must give             may cancel your policy with immediate effect by
       enemy, hostilities (whether war is declared or not),                                                                            us all the information and help we need to deal with the          notifying Carole Nash Insurance Consultants Ltd by phone
       civil unrest, revolution, or any similar event (except                                                                          claim.                                                            or by post.
       where we need to provide cover to meet the
       compulsory motor insurance law);                                                                                                                                                                  If you wish to cancel and the insurance cover has not yet
                                                                                                                                       4. OTHER INSURANCE
                                                                                                                                                                                                         commenced, you will be entitled to a full refund of the
   −− incidents caused by riot or civil unrest outside of                                                                             If you were covered by any other insurance for an incident        premium paid.
       England, Scotland, Wales, the Isle of Man or the                                                                                which resulted in a valid claim under this policy, we will
       Channel Islands;                                                                                                                not pay any of the claim.

7                                                                               Carole Nash Insurance Consultants Ltd                  Carole Nash Insurance Consultants Ltd                                                                                            8
9. CANCELLATION BY YOU                                          Other insurers may also access this information.                 If the information provided by you is not complete
Your insurance policy has been arranged for a period of                                                                          and accurate:
                                                                Please bear in mind that it is an offence under the Road
12 months and you are required to pay the full premium.         Traffic Act to ride, or permit a motor vehicle to be on a        • w
                                                                                                                                    e may cancel your policy and refuse to pay
If you cancel the insurance other than in accordance with       public highway or other public place, if you have not met           any claim, or
Policy Condition 8 ‘Cooling Off Period’ and there has been      the minimum insurance requirement.                               • we may not pay any claim in full, or
no claim(s), you will be charged for the number of days
cover that has been provided plus a cancellation fee, details   11. AVOIDING CERTAIN TERMS AND RIGHT OF                          • we may revise the premium and/or change
                                                                RECOVERY                                                            the compulsory excess, or
of which can be found in the Carole Nash Terms of Business.
                                                                We may have to pay a claim because the law of a country          • the extent of the cover may be affected
Your insurance premium will include a payment for
your Legal Expenses and Breakdown cover which Carole            which this policy runs in says we must. If we would not          13. FRAUDULENT CLAIMS
Nash have included as part of the Carole Nash product.          have paid this claim otherwise, we can ask for a refund          If you or anyone representing you makes a claim or part
This payment is non-refundable upon cancellation of the         from you or the person responsible for causing the claim.        of any claim that is fraudulent false or exaggerated;
policy other than if cancelled by you during your 14-day        12. CHANGES IN YOUR CIRCUMSTANCES                                We may:
‘cooling off’ period. Please refer to the Carole Nash Terms     You must tell Carole Nash Insurance Consultants Ltd
of Business for details.                                                                                                         • reject the claim or reduce the amount of payment
                                                                immediately about any changes to the information set                we make;
If the policy is cancelled following subsequent renewal         out in the Statement of Fact, Certificate of Motor
                                                                Insurance or on your Policy Schedule. You must                   • cancel your policy from the date of the fraudulent
you will be charged for the number of days cover that has
                                                                                                                                    act and not return any premium paid;
been provided plus a cancellation fee. Please refer to the      also tell Carole Nash Insurance immediately if any of the
Carole Nash Terms of Business for details.                      following happens:                                               • recover from you any costs we’ve incurred relating
                                                                                                                                    to the fraudulent claim and any further claims notified
You may cancel your policy with immediate effect by              • y ou or any rider receive any motoring convictions or           after the date of the fraudulent act;
notifying Carole Nash Insurance Consultants Ltd by phone            fixed penalty endorsements (pending or not) or
                                                                    any accidents, claims, thefts or losses occur including      • pass details to fraud prevention and law enforcement
or by post.                                                                                                                         agencies who may access and use this information.
                                                                    fault and non fault, whether claimed for or not on any
If a claim has occured there will be no refund.                     motor vehicle policy.                                           Other insurers may also access this information.

10. OUR RIGHT TO CANCEL                                          • you or any other rider has been convicted of a criminal
                                                                    offence or have possible prosecutions outstanding;
In the unlikely event that your existing Insurer or Carole
Nash Insurance Consultants Ltd need to cancel your               • the main rider of your motorcycle changes;
policy, you will be given seven days notice in writing. This     • the registered keeper of your motorcycle changes;
will be sent to your last known address.                         • you change your motorcycle for another one;
Valid reasons for cancelling include but are not limited to:     • any modification to or alterations from the
• i f you do not pay your premium or instalment                    manufacturers standard specification, including any
   payment by the payment due date                                  manufacturer or dealer fitted option, whether or not
                                                                    performance is altered or any other changes which
• where we reasonably suspect fraud or                             could improve value, appearance, performance or
   misrepresentation                                                handling;
• if you do not provide us with information or                  • the condition of your motorcycle changes (if your
   documentation we reasonably require                              motorcycle is covered on an agreed value basis)
• where you have not taken reasonable care to provide           • you change the place where you usually keep your
   complete and accurate answers                                    motorcycle;
• where you or anyone else covered by the insurance             • any rider develops a health condition which may
   has not met the policy terms and conditions                      affect their riding;
• where a change in your circumstances means we                 • the mileometer on your motorcycle fails
   can no longer provide cover for your motorcycle.                 (applicable only if you have submitted an annual
Carole Nash will work out any refund (if applicable) for the        mileage declaration);
unused part of your premium.                                     • you change your occupation.
Where we find evidence of fraud or deliberate                    • you change your address
misrepresentation we may void the policy back to the            This is not a full list. If you are not sure whether to report
date when you first provided us with this information or        any change, please speak to Carole Nash Insurance
the start of the policy. Where fraud is identified we will:     Consultants Ltd. We may re-assess your cover and
• n ot return any premium paid by you                          premium as a result of any important information you
                                                                give and mid-term changes may be subject to additional
• recover from you any costs we’ve incurred
                                                                fees, as detailed in the Carole Nash Terms of Business
• pass details to fraud prevention and law enforcement         document.
   agencies who may access and use this information.

9                                                                            Carole Nash Insurance Consultants Ltd               Carole Nash Insurance Consultants Ltd                        10
Legal Expenses Policy                                            DISBURSEMENTS
                                                                 Any sum spent by the legal representative on behalf of
                                                                                                                                  PART 36 OFFER
                                                                                                                                  Any offer made by an opponent to settle a claim which
                                                                                                                                                                                                  TERRITORIAL LIMITS (UNINSURED LOSS RECOVERY
                                                                                                                                                                                                  AND MOTOR PROSECUTION DEFENCE)
This insurance is arranged by Motorplus Limited t/a              the insured person in respect of services supplied by a          may or may not offer any admission of liability, which may      The European Economic Area (the European Union plus
Coplus and underwritten by UK General Insurance Ltd              third party, providing that:                                     be made by either party at any time during the duration         Iceland, Liechtenstein and Norway) and in addition the Isle of
on behalf of Great Lakes Insurance SE. Great Lakes                                                                                of the claim and if it is to be accepted, must be agreed        Man, Jersey, Guernsey, Albania, Andorra, Bosnia Herzegovina,
Insurance SE is a German insurance company with its              a) the insured person received the services;
                                                                                                                                  within 21 days of the offer being made. Such an offer has       FYR Macedonia, Monaco, Montenegro, San Marino, Serbia,
headquarters at Königinstrasse 107, 80802 Munich. UK             b) the insured person was responsible for paying the third      the potential to cause the insured person to pay part           Switzerland and the European part of Turkey.
Branch office: Plantation Place, 30 Fenchurch Street,                party for the services;                                      of their opponent’s costs should the insured person
London, EC3M 3AJ.                                                                                                                 reject an offer, continue with the legal proceedings and        UNINSURED LOSS(ES)
                                                                 c) the insured person knew that the services were being
Motorplus Limited t/a Coplus and UK General Insurance                                                                             subsequently fail to obtain more than they were offered by      Any loss directly arising from the insured incident in
                                                                     provided by a third party;
Limited are authorised and regulated by the Financial                                                                             the opponent, or should they accept outside the 21 day          question that is not covered by any other insurance policy.
Conduct Authority.                                               d) the services were in addition to and distinct from the       period. This includes offers made under Part 36 of the Civil    TERRORISM
Great Lakes Insurance SE, UK Branch, is authorised by                services supplied by the legal representative to the         Procedure Rules 1998.
                                                                     insured person on their own account; and                                                                                     Any direct or indirect consequence of terrorism as
Bundesanstalt für Finanzdienstleistungsaufsicht and
                                                                                                                                  POLICY                                                          defined by the Terrorism Act 2000 and any amending or
subject to limited regulation by the Financial Conduct           e) we have agreed the amount to be paid in advance of
                                                                                                                                  This before-the-event legal expenses policy providing cover     substituting legislation.
Authority and Prudential Regulation Authority. Details               the third party being instructed.
about the extent of their regulation by the Financial                                                                             for adverse costs and fees and expenses, together with          VEHICLE
Conduct Authority and Prudential Regulation Authority            Disbursements may include, for example, barrister’s fees         the Policy Schedule and any endorsement which attaches
                                                                                                                                                                                                  The vehicle specified in the Motor Insurance Policy,
are available from https://register.fca.org.uk/ or by            (provided that the barrister is not acting under a conditional   to it.
                                                                                                                                                                                                  which was being driven or ridden by a person entitled to
contacting 0800 111 6768.                                        fee agreement) or expert’s report fees.
                                                                                                                                  PROPORTIONATE MANNER                                            drive or ride under the Motor Insurance Policy, together
DEFINITIONS                                                      FEES AND EXPENSES                                                In determining whether a claim can be pursued in a              with any trailer attached to such vehicle at the time of the
The following words or phrases have the meanings given           Any professional fees reasonably incurred by the legal           ‘proportionate manner’ the factors we will take into            insured incident.
below whenever they appear in the Legal Expenses policy          representative in pursuit of the claim together with any         account in assessing whether those costs are reasonable         WE, OUR, US
wording. These will be shown in bold.                            disbursements that they incur or pay, including, where           include but are not limited to:
                                                                                                                                                                                                  MotorPlus Limited an insurance intermediary who is
                                                                 appropriate, Value Added Tax. For the purposes of this
ADVERSE COSTS                                                                                                                      • t he prospects of success and the likely costs of           authorised to manage claims on behalf of the Insurer.
                                                                 definition, “reasonably incurred” shall mean costs that are          pursuing the claim;
Any legal costs (including profit costs, disbursements,          deemed by a court to be reasonable.                                                                                              YOU, YOUR, YOURSELF, INSURED PERSON
VAT and interest) which the insured person pays the                                                                                • the amount claimed and the amount that is likely to
                                                                 INSURER                                                              be recovered;                                               The named holder of this policy who lives in the United Kingdom
opponent by order of the court or with our prior written                                                                                                                                          together with any other person who is entitled to drive or ride
agreement. these may include, for example, the opponent’s        UK General Insurance Limited, who is an insurers’ agent           • the amount of adverse costs that we would be
                                                                 and in the matters of a claim, act on behalf of Great                                                                            the vehicle under the Motor Insurance Policy (including any
solicitor’s fees, barrister’s fees and/or expert’s fees.                                                                              likely to pay if the claim was unsuccessful;
                                                                 Lakes Insurance SE.                                                                                                              other person who is a passenger/pillion in the vehicle).
                                                                                                                                   • the prospects of enforcing a judgment or agreement; and
APPROVAL, APPROVE(D), APPROVING
                                                                                                                                                                                                  Section 1
                                                                 LEGAL REPRESENTATIVE                                              • the circumstances of the insured incident, including
The act of us agreeing in writing to provide indemnity in
                                                                 Any appropriately qualified person (or company or firm)              the conduct of the insured person.
accordance with the terms of this policy.
CONSENT
                                                                 who has been approved by us to represent an insured              REASONABLE PROSPECTS                                            UNINSURED LOSS RECOVERY
                                                                 person in pursuit of a claim against an opponent. “the           ‘Reasonable prospects’ means we deem there is a                 We will pay the costs for adverse costs and fees and
Our written agreement to a particular course of action           legal representative” is a reference to the specific legal       51% or greater chance that you will be successful in your       expenses for you to take legal action as a result of any
(such as settling a claim).                                      representative who acts in a particular claim.                   pursuit of legal proceedings. This means that you have a        road traffic accident being the fault of the opponent
COSTS                                                            MOTOR INSURANCE POLICY                                           greater chance of winning than losing.                          occurring within the territorial limits and during the
Under this policy we will pay the following                      The policy of motor insurance for your vehicle which has         SMALL CLAIMS TRACK LIMIT                                        cover period which covers the following:
                                                                 been issued in accordance with the requirements of the           If you are resident in England or Wales, the most you can       • damage to the insured vehicle; or
a) the professional fees and expenses reasonably and
                                                                 Road Traffic Act 1988.                                           claim in the small claims track of the county court in          • damage to any personal belongings within or on the
    properly charged by the legal representative, up to
    the standard rates set by the courts.                        OPPONENT(S)                                                      England and Wales, small claims track limit being any              insured vehicle; or
                                                                                                                                  claims under £10,000 or where you are pursuing a claim          • your death or bodily injury while you are travelling
b) y
    our opponents costs which you are ordered to pay            The third party responsible for the accident or collision
                                                                                                                                  for personal injury any claim under £1,000                         in or on, or getting into or out of or on or off the
   by a court, the most we will pay for all claims arising out   which has given rise to an Insured event under this policy
                                                                 and against whom the insured person wishes to bring                                                                                 insured vehicle; or
   of one event is £100,000.                                                                                                      TERRITORIAL LIMITS (MOTOR CONTRACT COVER)
                                                                 a claim. Proceedings may not be issued against us, the           The Territorial limit is Great Britain, Northern Ireland, The   • any other uninsured losses that you sustain;
COVER PERIOD                                                     insurer or your insurance broker or agent, nor may               Channel Islands and the Isle of Man.                            We will provide this cover as long as:
The period shown in lower insurance current Certificate of       proceedings be issued against an employer where you are
Motor Insurance.                                                                                                                                                                                  • y our claim has reasonable prospects of success;
                                                                 the employer and the driver is your employee.
                                                                                                                                                                                                  • the claim can be pursued in a proportionate
DAMAGES                                                                                                                                                                                              manner;
Any sum that a court says your opponent must pay or                                                                                                                                               • the accident happened within the territorial limit
money your opponent agrees to pay to settle your                                                                                                                                                     and within the period of insurance;
claim.

11                                                                           Carole Nash Insurance Consultants Ltd                Carole Nash Insurance Consultants Ltd                                                                                       12
• t he incident was the fault of the opponent.                     • p rovide promptly any other supporting information             • a ny offence which would be covered under Uninsured                  behalf, knowing the statement to be false;
 • you do not deliberately mislead us or the legal                     we or the legal representative ask for;                           Loss Recovery, Section 1;                                         −−sends us or anyone acting on our behalf a
    representative or exaggerate the claim or bring                  • keep us and the legal representative informed of               • where you qualify for legal aid;                                     document, knowing the document to be forged or
    any false or contrived claims;                                      any matters that might affect the chances of success           • fines, penalties, or compensation orders, or                         false;
 • we have given written approval to pursuing a claim                  in the claim, the amount of damages that are likely to            applications for judicial review.                                 −−makes a claim under the policy, knowing the claim
    prior to you commencing any legal proceedings or                    be recovered, or the amount of the costs of the claim;                                                                                 to be false or fraudulent in any way; or
    making an appeal;
 • you follow our or the legal representative’s
                                                                     • keep us informed (or ask the legal representative
                                                                        to keep us informed), particularly if any offers have          SECTION 3                                                            −−makes a claim for any loss or damage you caused
                                                                                                                                                                                                               deliberately or with your knowledge.
                                                                        been made;
    advice and provide any information they ask for;                                                                                   MOTOR CONTRACT COVER                                             If your claim is in any way dishonest or exaggerated then
 • your legal representative follows the                            • get our written consent before any Part 36 Offer                                                                                 we will not pay any benefit under this policy or return
                                                                                                                                       We will pay the costs of you taking or defending legal action
    requirements set out in the ”your legal                             or other offer of settlement is accepted or rejected;                                                                            any premium to you and we may cancel your policy
                                                                                                                                       as a result of any action arising from a contract you have to:
    representative must do the following’ section                    • get our written consent before any claim is                                                                                      immediately and backdate the cancellation to the date
    below.                                                              discontinued;                                                     uy, hire or sell the insured vehicle or its spare parts
                                                                                                                                       • b                                                               of the fraudulent claim. We may also take legal action
                                                                                                                                         or accessories; or                                              against you and inform the appropriate authorities
We will not cover:                                                   • take reasonable steps to keep all costs, fees and
                                                                        expenses as low as possible;                                   • service, repair or test the insured vehicle.                      • any claim that is not notified to us as soon as is
 • a dverse costs and fees and expenses you have
    paid directly to the legal representative or any                 • attend court or go to any expert examination when              We will provide cover as long as;                                        reasonably possible after the date of event when
    other person without our prior written approval;                    asked to do so;                                                                                                                         the claim may be prejudiced by late notification.
                                                                                                                                       • y ou entered into the contract within the territorial
 • any claim resulting from a road traffic accident not             • act upon any order for costs promptly;                            limits;                                                          • any claim arising out of an insured person’s alleged
    covered by the Motor Insurance Policy.                                                                                                                                                                      dishonesty or violent conduct.
                                                                     • not do anything to impede any negotiations about               • the dispute first arose within the cover period;
 • any legal action brought against you;                               costs or any assessment of costs;                                                                                                  • any claim arising out of an insured person’s alleged
                                                                                                                                       • any legal action is brought within the territorial
                                                                                                                                                                                                                use of drugs or alcohol.
 • any claim where you intend to represent yourself                 • provide us with access to your legal                              limit; and
    (known as a litigant-in-person) unless:                             representative and authorise them to keep us                                                                                       • disputes arising, from or relating to:
                                                                                                                                       • after taking into account the view of your legal
                                                                        informed of the progress of the claim and any other               representative, in our opinion you are more likely                    −− criminal prosecutions or family proceedings,
 • we have given prior written approval; or
                                                                        relevant matters;                                                 to succeed than not when recovering damages,                              the exclusion for cover in respect of criminal
 • the claim is allocated to the small claims track and                                                                                                                                                            prosecutions shall not apply if you are making a
                                                                     • allow us to have any legal bill audited or assessed.              defending the legal action or settling the dispute in
    has been accepted by us                                                                                                                                                                                         claim for motor criminal prosecutions, under section
                                                                                                                                          another way.
 • any claim which you settle or discontinue without               SETTLING CLAIMS IN PARTICULAR                                                                                                                   2 Motor Prosecution Defence of this policy;
    our consent;                                                    CIRCUMSTANCES                                                      We will not provide cover for the following;
                                                                                                                                                                                                                −− judicial review or applications for judicial review;
 • any costs, fees or expenses incurred after you                  We have the right to:                                              • t he first £100 of every claim under this section:
                                                                                                                                                                                                                −− enforcement proceedings;
    have rejected our or the legal representative’s                                                                                    • any event which occurs within the first three months
    advice to settle or discontinue a claim;                         • settle a claim by paying the amount in dispute;                                                                                          −− the terms and conditions of this policy, including
                                                                                                                                          of this policy, unless the claim is for new goods or
                                                                     • settle the costs covered by this policy if there is no                                                                                      alleged rights of a person other than you to
 • any fines, penalties or damages you are ordered to                                                                                    services bought after the start of this policy:
                                                                        other way of getting these costs back;                                                                                                      enforce the terms of this policy. For the avoidance
    pay by a court or similar authority;                                                                                               • any contract where the amount in dispute is less than:                    of doubt no person other than those defined
 • disputes arising from parking offences;                                                                                            • £1000 for buying, selling or hiring the insured vehicle;                  under the definition of insured person above
 • any claim where the opponent cannot be traced or                Section 2                                                             or                                                                        shall be entitle to claim against this policy;
    identified, or is not insured for the risks of a claim;                                                                            • £250 for servicing, repairing or testing the insured             • any adverse costs or fees and expenses in any
                                                                    MOTOR PROSECUTION DEFENCE                                             vehicle;                                                              claim where those costs are covered by another
 • any claims where you have instructed the legal
                                                                    We will pay the costs of defending your legal rights                                                                                        insurance policy or similar scheme including cover
    representative to stop acting on your behalf or                                                                                    • a dispute over the amount of money or other
    where the legal representative has refused to                   (including making an appeal against your conviction                                                                                         arising by virtue of an insured person’s trade union
                                                                                                                                          compensation due under an insurance policy;
    continue to represent you;                                      or sentence) after any event which results in criminal                                                                                      membership.
                                                                    proceedings being brought against you for an offence               • a dispute which arises following your deliberate
 • any costs, fees or expenses following you                                                                                             breach of a contract.                                            • any legal liability directly or indirectly caused to or
                                                                    relating to your ownership or use of the insured vehicle.                                                                                   contributed to by or arising from:
    breaching the terms of this policy (see ‘you must do
    the following’ below);                                          Pleas in mitigation are covered where there is a reasonable        EXCLUSIONS THAT APPLY TO ALL OF THE                                      −− loss or damage caused by Irradiation, or
 • any costs awarded by the court as a result of your              prospect of such a plea materially affecting the likely outcome.   LEGAL EXPENSES POLICY                                                        contamination by nuclear material; or the
    unreasonable behaviour or that of your legal                                                                                       The following exclusions apply:                                              radioactive, toxic, explosive or other hazardous
                                                                    We will provide cover as long as:                                                                                                               or contaminating properties of any radioactive
    representative;                                                                                                                    Fraudulent Claims:
                                                                     • the proceedings arise from an event that occurred within                                                                                    matter; or any device or weapon which employs
 • where you have disregarded our advice to accept a                   the territorial limits and within the cover period;            You must not act in a fraudulent way. If you or anyone                       atomic or nuclear fission or fusion or other
    Part 36 Offer to settle a claim;                                                                                                   acting for you:                                                              comparable reaction or radioactive force or matter
                                                                     • the proceedings will be decided by a court within the
 • where we have advised the insured person that                       territorial limits;                                              −−fails to reveal or hides a fact likely to influence                 −− Loss or damage caused by war, invasion, foreign
    their claim would be best settled by other means                                                                                        whether we accept your proposal, your renewal, or                       enemy hostilities (whether war is declared or not),
    than the issue of legal proceedings in a court of law           We will not provide cover for the following;                            any adjustment to your policy;                                          civil war, terrorism, rebellion, revolution, military
    within the United Kingdom.                                       • p arking offences for which you do not receive                   −−fails to reveal or hides a fact likely to influence the                force or coup, or confiscation, nationalisation,
You must do the following - failure to do so will result in cover       penalty points against your licence;                                cover we provide;                                                      requisition, destruction of or damage to property
being withdrawn for adverse costs, fees and expenses:                • driving or riding without valid motor insurance;                 −−makes a statement to us or anyone acting on our                        by or under the order of any government, local or

13                                                                               Carole Nash Insurance Consultants Ltd                 Carole Nash Insurance Consultants Ltd                                                                                         14
public authority                                                considered to have provided express consent to us         details.                                                         Your motorcycle as described in your current Certificate
• a ny damage directly occasioned by pressure waves                  or our appointed agent to access the file for                                                                              of Motor Insurance.
   caused by aircraft and other aerial devices travelling              auditing, quality and cost control purposes.             MAKING A CLAIM
                                                                                                                                                                                                 The insured vehicle must be no more than:
   at sonic or supersonic speeds                               •   Arbitration                                                  The claims procedure outlined below is administered by
                                                                                                                                Motorplus Limited If you need to make a claim under              • 3.5 tonnes when fully loaded;
• claims in respect of damage or losses arising from              −− If there is a dispute between you and us, or you
   races, rallies or competitions, or claims where the                 and the insurer, which arises from this insurance,       section 2 or 3 please call 0333 241 9567.                        • 5.5 metres (18 feet) long; or
   vehicle has not been maintained in accordance                       you can make a complaint to us in accordance             If you need to make a claim under Section 1, please              • 2.3 metres (7 feet 6 inches) wide.
   with the manufacturer’s recommendations and/or                      with the complaints process which can be found           contact Carole Nash Insurance Consultants Ltd on 0800            This also includes any caravan or trailer attached to your
   instructions - including servicing and vehicle faults.              on page 19. If we, or the insurer, are not able to       298 5533.                                                        motor vehicle (as long as it is no longer than 7.6 metres
• claims in excess of the limit of indemnity of £100,000              resolve the matter satisfactorily and the matter can
                                                                       be dealt with by the Financial Ombudsman Service,        Carole Nash Insurance Consultants Ltd will pass the details of   (25 feet) long, including the towbar).
   for any one claim.
                                                                       you can ask them to arbitrate in the matter.             your claim on to a solicitor.                                    PERIOD OF INSURANCE
CONDITIONS THAT APPLY TO ALL OF THE                                −− If the matter cannot be dealt with by the Financial       LEGAL HELPLINE                                                   The period shown in your current Certificate of Motor
LEGAL EXPENSES POLICY                                                  Ombudsman Service, it can be referred to                                                                                  Insurance.
                                                                       arbitration by a single arbitrator who will be           Carole Nash Legal Expenses includes access to Legal
• Legal Representative
                                                                       agreed by both you and us. The arbitration shall         Helpline to give advice, 24 hours a day, 365 days a year,on      YOU, YOUR
  −− Before legal proceedings are issued, a                                                                                    any personal legal matter. We may record the calls to
      representative from our panel will be appointed to               be in accordance with the Arbitration Act 1996                                                                            Any person named in your current Certificate of Motor
                                                                       and any amending or substituting legislation and         protect you.                                                     Insurance or any person authorised to ride or be a
      act for you to pursue, defend or settle any claim
      we have accepted in accordance with the terms                    will be binding on both parties. The costs of the        Legal Helpline Tel. No. 0333 241 9567. We agree to cover         passenger in, or on, the insured vehicle
      and conditions of this policy;                                   arbitration shall be at the discretion of the            you under the terms and conditions of this policy.
                                                                       arbitrator.                                                                                                               TERRITORIAL LIMIT
  −− Should legal proceedings need to be issued or
      have been issued against you, or where there is              −− If we are not able to agree on the appointment            PRIVACY POLICY                                                   The territorial limit is Great Britain, Northern Ireland,
      a conflict of interest, you can choose a non-panel               of an arbitrator, we shall ask the President of the      For full details of how we protect your privacy and              the Channel Islands and the Isle of Man.
     solicitor of your choosing. You must inform                       Chartered Institute of Arbitrators to decide. Their      process your data please read the Privacy Statement that
                                                                       decision will be final and binding on both parties.                                                                       WE, US, OUR
      us in writing of the full name and address of the                                                                         accompanies this policy. The Privacy Statement can also
                                                               •   Statutory Regulations                                                                                                         Inter Partner Assistance SA and AXA Assistance (UK) Ltd
      representative you want to act for you.                                                                                   be viewed online by visiting
                                                                                                                                                                                                 both of The Quadrangle, 106-118 Station Road, Redhill,
  −− If there is any dispute over your choice of solicitor         −− In all matters relating to the performance of this       www.coplus.co.uk/data-privacy-notice.
                                                                                                                                                                                                 Surrey RH1 1PR, UK.
      you will be asked to nominate an alternative. If,                insurance contract, it is the responsibility of both
      after having done so, we are still not able to agree,
      you may escalate the matter in accordance with
                                                                       you and us that we both respectively comply
                                                                       with all Acts of Parliament and with all orders,         UK Breakdown                                                     YOU, YOUR
                                                                                                                                                                                                 The person named in your current Certificate of Motor
      the Arbitration condition of this policy. Until the
      complaint has been resolved, or until such time
                                                                       regulations and bylaws made with statutory
                                                                       authority by Government Departments or by
                                                                                                                                Recovery Policy                                                  Insurance and any person authorised to ride or be a
                                                                                                                                                                                                 passenger on the insured vehicle.
      as an arbitrator has reached a decision, we shall be             local or other authorities. The cost of meeting the      UK roadside assistance and vehicle recovery is underwritten
      entitled to appoint a legal representative from our              requirements of this clause will be payable by you       by Inter Partner Assistance (IPA) which is fully owned by the
      panel in order to protect your interests in any legal
      proceedings.
                                                                      and us in our own rights respectively.                    AXA Assistance Group. Inter Partner Assistance is a Belgian
                                                                                                                                firm authorised by the National Bank of Belgium and subject
                                                                                                                                                                                                 Section 4
                                                               •   Proportionality
  −− If you do select to appoint your own solicitor, this          −− Where an award of damages is the only legal               to limited regulation by the Financial Conduct Authority.        UK ASSISTANCE
      insurance will not cover expenses over and above                remedy to a dispute and the cost of pursuing civil        Details about the extent of its regulation by the Financial
                                                                                                                                                                                                 WHAT IS COVERED UNDER SECTION 4
      the costs that our panel would charge in                         proceedings is likely to exceed the value of any         Conduct Authority are available from us by request. Inter
      equivalent circumstances. For your information,                                                                           Partner Assistance SA firm register number is 202664. You        HOME AND ROADSIDE ASSISTANCE
                                                                       such award of damages, the most the insurer
      this means that we would take into account the                   will pay in respect of legal costs is the value of       can check this on the Financial Services Register by visiting    We will come out to the insured vehicle if you can’t ride
      seriousness of the claim and the location and class              the likely award of damages.                             the website www.fca.org.uk/register.                             it after a breakdown, accident, or an act of vandalism
      of solicitor that you choose. The hourly rate is                                                                                                                                           within the territorial limit and within the period of
                                                               •   Severability                                                 AXA Assistance (UK) Limited operates the 24-hour
      currently set at £125 + VAT. We reserve the right                                                                                                                                          insurance.
      to assess each case on its merits, and may agree to          −− If any term of this contract of insurance is to any       motoring assistance helpline
      pay additional fees if we feel the situation warrants           extent invalid, illegal or incapable of being                                                                              We will try to repair the insured vehicle at the roadside.
      it. This will remain entirely at our discretion;                enforced, such term will be excluded to the extent        DEFINITIONS                                                      The repair work will be free of charge, for up to one hour,
                                                                      of such invalidity, illegality or unenforceability; all   The following words or phrases have the meanings given           but you must pay the cost of any parts, fuel or other
  −− The legal representative or solicitor of your
      choosing will have direct contact with us and                   other terms will remain in full force and effect.         below whenever they appear in the UK Breakdown policy            supplies used to repair the insured vehicle.
      must fully cooperate with us at all times, and you       •   Acts of Parliament                                           wording. These will be shown in bold.
                                                                                                                                                                                                 If we have to make a forced entry to the insured
      must cooperate with your representative,                     −− All references to Acts of Parliament in this policy       BREAKDOWN                                                        vehicle because you are locked out or have lost your
      providing all necessary information and assistance              shall include the equivalent laws in Scotland,                                                                             keys, you must sign a declaration, saying that you will be
      to them as required;                                                                                                      Where the insured vehicle cannot be driven due to an
                                                                      Northern Ireland, the Isle of Man and the Channel                                                                          responsible for the damage.
                                                                                                                                electrical or mechanical fault, the theft or loss of keys, a
  −− Any solicitor that you appoint must sign our                     Islands and shall include any subsequent
                                                                                                                                flat tyre, or running out of fuel.                               If we cannot repair the insured vehicle at the roadside
      standard terms of appointment and adhere to all                 amendments, re-enactments or regulations.
      of its terms. You agree to us having access to the                                                                                                                                         and it cannot be repaired the same day at a local garage
                                                                                                                                INSURED VEHICLE
      legal representative’s or solicitor’s (as the case may   CANCELLATION RIGHT                                                                                                                after being recovered by us, we will arrange and pay for
      be) file relating to your claim. You will be             Please refer to the main cancellation section on page 8 for

15                                                                         Carole Nash Insurance Consultants Ltd                Carole Nash Insurance Consultants Ltd                                                                                        16
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