Motorcycle. Vehicle Insurance Document MOTOR INSURANCE. Member of Canopius Group

Full text

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Motorcycle

Vehicle Insurance Document

MOTOR INSURANCE

Member of Canopius Group

M

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to

rc

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YoumustreadthisdocumentinconjunctionwithyourpolicyscheduleandCertificateofInsurance. Ifanyinformationcontainedinthesedocumentsisincorrect,pleasecontactyourBroker immediately.YoumustalsonotifyyourBrokerofanyotheralterationsrequiredtoyourpolicyas soonaspossible. Ifyouareinvolvedinanincidentlikelytoresultinaclaimunderthispolicy,pleaserefertoour claimsprocedureattheendofthisbooklet. MC24ͲJune2010

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Thank you for choosing to insure with KGM Motor Insurance. This document, together with your policy schedule and Cerficate of Insurance, is a legally binding contract of insurance between you and us and does not provide anyone else with rights to enforce any part of this contract.

This contract is based on the informaon provided to us on the proposal form as signed by you or in the absence of a proposal form, the statement of fact declaraon.

We have agreed to insure you subject to the terms, condions and exclusions contained within this document and in any endorsements aached for the period for which you have paid our premium. This insurance applies within the territorial limits unless we specify otherwise.

This contract is subject to English law unless both pares agree otherwise. This contract is wrien in English and all communicaons about it will be conducted in English.

This document has been issued by KGM Motor Insurance under the authority granted by the Underwring Byelaw (No. 2 of 2003).

Colin Hart – Acve Underwriter

Syndicate 260

KGM Motor Insurance is a brand name for business wrien by Syndicate 260 which is managed by Canopius Managing Agents Limited. Canopius Managing Agents Limited is a managing agent at Lloyd’s and is authorised and regulated by the Financial Services Authority, FSA Registraon No. 204847. Canopius Managing Agents Limited is registered in England & Wales number 1514453. Registered Office: Gallery 9, One Lime Street, London EC3M 7HA.

Contract of Insurance

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This Data Protecon Noce explains how we may use your details. It tells you about the registers and databases that we and others have in place, which help to detect and prevent fraudulent applicaons and claims, and must be shown to any party related to this insurance.

All phone calls relang to applicaons and claims may be monitored and recorded and the recordings used for fraud prevenon and detecon, training and quality control purposes. Subject to the provisions of the Data Protecon Act 1998, you are entled, on the payment of a small fee, to receive a copy of the informaon we hold about you. Such requests should be made to: The Data Protecon Officer

Canopius Managing Agents Limited Gallery 9

One Lime Street London EC3M 7HA

Any informaon you give us will be used by Canopius Managing Agents Limited and we may also share this informaon with other group companies.

For more informaon on the Data Protecon Act you may also write to the Office of the Informaon Commissioner at:

Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF Tel: 08456 30 60 60 or 01625 54 57 45 E-mail: mail@ico.gsi.gov.uk 4

Data Protection Notice

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Inordertokeeppremiumsaslowaspossibleforallofourcustomers,weparticipateinanumber

ofindustryinitiativestoaidthepreventionanddetectionofcrime,especiallyinsurancerelated

fraud.WepassinformationtotheClaimsandUnderwritingExchangeRegisteroperatedby

InsuranceDatabaseServicesLtd(IDSLtd),theMotorInsuranceAnti–FraudandTheftRegister

operatedbytheAssociationofBritishInsurers,andtheUKpolice.Wemaysearchtheseregisters

andanyotherrelevantdatabasesinordertomakedecisionsregardingtheprovisionand

administrationofinsuranceand,whenyoumakeaclaim,tovalidateyourclaimshistoryorthatof

anypersonorpropertylikelytobeinvolvedintheclaim. 5

InformationrelatingtoyourinsurancepolicywillbeaddedtotheMotorInsuranceDatabase(MID) whichismanagedbytheMotorInsurers’Bureau(MIB).MIDandthedatastoredonitmaybeused bycertainstatutoryand/orauthorisedbodiesincludingthePolice,theDVLA,theDVANI,the InsuranceFraudBureauandotherbodiespermittedbylawforpurposesnotlimitedtobut including:

i. ElectronicLicensing;

ii. ContinuousInsuranceEnforcement;

iii. Lawenforcement(prevention,detection,apprehensionand/orprosecutionof offenders);

iv. Theprovisionofgovernmentservicesandorotherservicesaimedatreducingthelevel andincidenceofuninsureddriving.

Ifyouareinvolvedinaroadtrafficaccident(eitherintheUK,theEEAorcertainotherterritories), insurersand/ortheMIBmaysearchtheMIDtoobtainrelevantinformation.Persons(including theirappointedrepresentatives)pursuingaclaiminrespectofaroadtrafficaccident(including citizensofothercountries)mayalsoobtainrelevantinformationwhichisheldontheMID.

ItisvitalthattheMIDholdsyourcorrectregistrationnumber.IfitisincorrectlyshownontheMID youareatriskofhavingyourvehicleseizedbythePolice.Youcancheckthatyourcorrect registrationnumberdetailsareshownontheMIDatwww.askmid.com.

Motor Insurance Database

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Section

Page

6

Definitions

7

SummaryofCover

9

Section1

Liability

to

Others

10

Section2

Loss

of

or

Damage

to

Your

Motorcycle

12

Section3

Foreign

Use

16

Section4

No

Claim

Bonus

18

GeneralExclusions

20

GeneralConditions

22

FinancialServicesCompensationScheme

25

Complaints

26

MakingaClaim

27

Contents

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The following words or phrases appear throughout this policy booklet and have the same meaning as described below. Therefore you must refer to this secon where such words or phrases appear. You/your – the person named as the ‘insured’ or ‘policyholder’ on the policy schedule and Cerficate of Insurance.

We/us – KGM Motor Insurance; the Underwriters who will only pay their share of a claim and who form Lloyd’s Syndicate No. 260. If you would like to know all of their names and what percentage they will pay then please write to us quong your policy number as shown on your policy schedule and the year that your policy started.

KGM Motor Insurance – a brand name for business wrien by Syndicate 260 which is managed by Canopius Managing Agents Limited.

Broker – a representave acng on our behalf that sells and administers our insurance policies. Cerficate of Insurance – a document which provides legal evidence that minimum insurance cover is in force by law. It also confirms who may ride the insured motorcycle, how they may use it and the period of me over which the policy cover applies.

Policy schedule – a document which states the details of you, your motorcycle, the insurance cover in force and any endorsements which apply to the policy.

Your motorcycle – any motorcycle which is stated on your policy schedule and for which we have issued a Road Traffic Act Cerficate of Insurance. In Secon 2 this also includes your motorcycle’s standard accessories and spare parts when permanently aached to your motorcycle or stored in your own locked private garage.

Accessories and spare parts – standard parts or products specifically designed to be fied to your motorcycle. Some accessories may be classed as modificaons therefore you must nofy your Broker of any alteraons to your motorcycle.

Civil partner – the person who you have entered into a legal civil partnership with as defined in the Civil Partnership Act 2004. A civil partnership is a formal arrangement that gives same-sex partners the same legal status as a married couple.

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Canopius Managing Agents Limited – a registered managing agent at Lloyd’s which is authorised and regulated by the Financial Services Authority.

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Endorsements – statements which are contained in your policy schedule which may change, replace or extend the terms of this policy.

Garage – a permanent enclosed four-sided structure comprising of three brick, stone, steel or concrete built sides with a roof and a securable door entrance which is your private property (i.e. not a communal parking facility).

Green Card – a document which is required by certain countries that are not part of the European Union and provides evidence that minimum insurance cover exists as required by law in order to drive in that country.

Market value – the cost of replacing your motorcycle with another of a similar make, model, age, mileage and condion as at the me of the loss or damage, up to the value stated in your policy schedule.

Minimum cover – the minimum level of cover provided to sasfy the current Road Traffic Act, or equivalent legislaon, in respect of liability for the death of or injury to other people and damage to their property.

Partner – a relaonship between two people who are not married but live together as a married couple.

Period of Insurance – the period of me specified in your policy schedule during which this policy is effecve and for which you have paid or have agreed to pay the premium.

Pro-rata – where a calculaon is made proporonately.

Road Traffic Act – the law which governs the driving or use of any motor vehicle within the United Kingdom.

Territorial limits – England, Northern Ireland, Scotland, Wales, the Isle of Man and the Channel Islands.

Voluntary excess – an amount which you have chosen to pay towards a claim on this policy in addion to the compulsory excess which applies.

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Compulsory excess – the contribuon which you must make towards a claim on this policy.

Definitions

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Thetablebelowshowsthesectionsofthispolicybookletwhichapplyinaccordancewiththelevel

ofcoverstatedinyourpolicyschedule:

Thesectionsentitled‘GeneralExclusions’and‘GeneralConditions’withinthisbookletapplytothe

wholepolicy.

9

Section

Description

Cover

Applicable

Comprehensive

Third

Party,

Fire

&

Theft

Third

Party

Only

Section1ͲLiabilitytoOthers Yes Yes Yes

Section2ͲLossoforDamageto

YourMotorcycle:

A.AccidentalDamage Yes No No

B.MaliciousDamageand

Vandalism Yes No No

C.Fire,SelfͲIgnition,Lightningor

Explosion Yes Yes No

D.TheftorAttemptedTheft Yes Yes No

Section3ͲForeignUse Yes Yes Yes

Section4ͲNoClaimBonus Yes Yes Yes

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What

is

covered

under

this

section

1.1

Riding

your

motorcycle

Wewillinsureyouagainsttheamountsthatyouarelegallyliabletopay,includinglegalcostsand

damages,intheeventof:

x

Deathoforbodilyinjurytootherpeople;

x

Damagetotheirproperty;

asaresultofanaccidentinwhichanyofthefollowingoccurs:

i. Whilstyouareusing,ridingorinchargeofyourmotorcycle;

ii. Whilstanyotherpersonisusing,ridingorinchargeofyourmotorcycle,providedthat

theyarepermittedtodosoasshownonyourcurrentCertificateofInsuranceandthat

theyhaveyourpermission;

iii. Whilstanypassengeristravellingonorgettingonoroffyourmotorcycle;

iv. Whilstyouaretowingasingletrailerwhichissecurelyattachedtoyourmotorcycle;

v. Whilstasidecarissecurelyattachedtoyourmotorcycle.

ThemaximumamountwewillpayunderSection1inrespectofpropertydamageis£20,000,000

foranyoneclaim,oranumberofclaimsarisingoutoftheoneincidentand£5,000,000forall

associatedcostsandexpenses.

1.2

Riding

other

motorcycles

WewillalsoinsureyouagainsttheeventsshowninSection1.1asaresultofanaccidentwhich

occurswhilstyouareusingorridinganyothermotorcycleprovidedthatallofthefollowing

applies:

i. Themotorcycledoesnotbelongtoyouandisnothired,leasedorrentedtoyou;

ii. Thispolicyisnotinthenameofacompanyorpartnership;

iii. CovertorideothermotorcyclesisspecifiedonyourcurrentCertificateofInsurance;

iv. UseofthemotorcycleisrestrictedtothatasshownonyourcurrentCertificateof

Insurance;

v. Youhavepermissionoftheowner.

Pleasealsorefertotheexclusionsshownbelow.

1.3

Legal

personal

representatives

Wewillinsuretheestateofanyonecoveredbythispolicythatdiesagainstanyclaimthattheyare

legallyliabletopayprovidedthattheclaimiscoveredbythispolicy.

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1.4

Legaldefencecosts

Providedthatanincidentoccurswhichiscoveredbythispolicyandweagreeinwritingfirst,we willpayforthelegalrepresentationofyouoranyotherpersonweinsureunderthispolicy: i. Atacoroner’sinquest,fatalaccidentinquiryorUKmagistrates’court; ii. Againstprosecutionformanslaughterorforcausingdeathbycarelessordangerous driving.

Whatisnotcoveredunderthissection

x

Deathoforinjurytothepersonridingyourmotorcycleorinchargeofyourmotorcycleforthe purposeofriding;

x

Lossofordamagetoyourmotorcycleoranyothermotorcyclethatisinyourcare,custodyor control;

x

Lossofordamagetoanytrailerorsidecartowedbyorattachedtoyourmotorcycle;

x

Lossofordamagetopropertyownedby,orinthecare,custodyorcontrolof,youoranyother personinsuredbythispolicy;

Ridingothermotorcycles

x

Lossofordamagetothemotorcycleyouareusingorriding;

x

Deathoforinjurytothepersonusing,ridingorinchargeofthemotorcycle;

x

Usetosecurethereleaseofanymotorcyclewhichhasbeenseizedbyoronbehalfofany governmentorpublicauthority;

x

Liabilityforanyincidentwhichoccurswhilstyouareusingorridingthemotorcycleoutsideof theterritoriallimits;

x

Anyliabilityifyounolongerownthemotorcycleyouinsureonthispolicyorifyourmotorcycle hasbeendeclaredatotalloss. 11

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What

is

covered

under

this

section

Wewillinsureyourmotorcycleagainstdamageortotallosscausedbyaneventlistedbelow,

providedthatthe’SummaryofCover’sectionshowssuchaneventiscovered:

A.Accidentaldamage;

B. Maliciousdamageandvandalism;

C. Fire,selfͲignition,lightningorexplosion;

D.Theftorattemptedtheft.

Pleaserefertoyourpolicyscheduleforthelevelofcovershownandthentothe‘Summaryof Cover’sectiononpage9fordetailsofwhicheventsyourcoverincludes.

Ifyouneedtoreportaclaimtous,pleaserefertothesectionentitled‘MakingaClaim’attheend

ofthisbookletforfurtherinformation.

Pleasenotethatanendorsementmayapplytothispolicyregardingthestorageofyour

motorcyclewhilstatthedeclaredparkingaddress(yourpolicyschedulewillconfirmifsuchan

endorsementapplies).Ifyourpolicyschedulecontainssuchanendorsementanditisnotcomplied

withthenthispolicywillnotcoveryourmotorcycleforanylossordamage.

Ifyourmotorcyclehasbeenstolenordamagedbyattemptedtheftthenyoumustnotifythepolice

immediately.

2.1

Damage

Wewillpayforthecostofrepairingdamagecausedtoyourmotorcycleasadirectresultofan

eventshownaboveprovidedthatallofthefollowingapplies:

i. Thispolicycoverstheevent(asabove);

ii. Youadheretothetermsandconditionsundertheheading“Claimshandling”inthe GeneralConditionssectionofthispolicybooklet;

iii.Wedeemthecostofrepairingyourmotorcycletobeeconomical.

Asanalternativetorepairingyourmotorcycle,wemaydeemitappropriatetoeitherreplaceyour

motorcyclewithoneofasimilarspecificationorpayyouamonetaryamountequaltothecostof

repairingthedamagelessanypolicyexcesswhichisapplicable(seeSection2.7).

Ifwechoosetorepairyourmotorcycleandareplacementforadamagedaccessoryorpartisnot

available,wewillpayyouthemostrecentlistedpriceofthisaspublishedintheUK.

Wereservetherighttouseaccessoriesorpartsthatarerecycledorthatarenotmadeorsupplied

bythemanufacturerofyourmotorcycle,butareofasimilartypeandqualitytothoseweare

replacing.Wewillnotberesponsibleforadditionalstoragecostsduetotheunavailabilityof

accessoriesorparts,orthecostofimportingthemfromoutsideoftheUK. 12

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2.2

Totalloss

Wewillnormallydeclareyourmotorcycleatotalloss:

x

Ifwedeemthecostofrepairingyourmotorcycleasuneconomical;or

x

Ifyourmotorcyclehasbeenstolenandnotrecovered. Ifyourmotorcycleisdeclaredatotallossasadirectresultofaninsuredevent(asabove),wewill offeryouamonetaryamountascompensation.Themaximumamountwewillpayisthemarket valueofyourmotorcycle,lessanypolicyexcesswhichisapplicable(seeSection2.7).Ifyouoweus anoutstandingamountunderthispolicywhentheclaimhasbeenmade,youmustpaythis amountinfullbeforewecansettletheclaim. Onceyouhaveacceptedouroffer,yourmotorcyclewillbecomeourpropertyandatthispointyou mustsurrenderyourcurrentCertificateofInsurancetousalongwithanyotherdocumentationwe mayrequestbeforewepayyoutheagreedamount.Unlessweareinsuringothermotorcycleson thesamepolicy,thisinsurancecontractwillceaseuponsettlementofyourclaimandthefull annualpremiumwillberetained. Wemaygiveyou,atourdiscretionandifthecurrentregulationsallow,theoptionofretainingthe vehiclesalvagesubjecttoadeductionfromthecompensationamountweofferyou.

2.3

Motorcycleservice/repair

WewillprovidethesamelevelofcoverthatyourpolicyhasunderSection2whilstyour motorcycleisinthecustodyorcontrolofamemberofthemotortradeforthepurposeofbeing servicedorrepaired.

2.4

Motorcyclerecovery

Wewillpayforthereasonablecostoftransportingyourmotorcycletoarepairerneartoits locationifitisdamagedfollowinganaccidentandcannotberiddenprovidedthatthedamageis coveredbythispolicy.

2.5

Ownershipofyourmotorcycle

Ifyourmotorcycleissubjecttoahirepurchaseorleaseagreementandisdeclaredatotalloss,any paymentswemakewillinsteadbemadetothefinanceorleasingcompanyasspecifiedonyour contractwiththem. Themaximumamountwewillpayisthemarketvalueofyourmotorcycle,lessanypolicyexcess whichisapplicable(seeSection2.7).Ifthereisstillanamountowingtothefinanceorleasing companyafterwehavesettledyourclaim,thenyouareresponsibleforthisamount. 13

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2.6

New

motorcycle

replacement

Wewill,atyourrequest,replaceyourmotorcyclewithanotherofasimilarmake,modeland

specificationfollowinganincidentcoveredbySection2providedthatallofthefollowingapplies:

i. Youarethefirstregisteredownerofyourmotorcyclefromnew;

ii. Yourmotorcycleisnomorethan6monthsoldfromthedateoffirstregistration;

iii.Therepaircostsexceed60%ofthemarketvalueofyourmotorcycle;

iv.Wehavepermissionfromanypersonthathasafinancialinterestinyourmotorcycle;

v. Yourmotorcycleisnotsubjecttoaleaseorcontracthireagreementoranyothersimilar

arrangement.

2.7

Compulsory

and

voluntary

policy

excess

IfanyclaimismadeunderSection2youmustpayacompulsorypolicyexcess,theamountof

whichisshowninyourcurrentpolicyschedule.Ifnoamountisstated,youmustpaythefirst£150

towardsanyclaim.

Ifyouhavechosentopayavoluntaryexcess,thisamountisinadditiontothecompulsorypolicy

excesswhichapplies.

What

is

not

covered

under

this

section

x

Thepolicyexcesswhichappliesunderthissectionofthepolicy;

x

Wear,tearanddepreciationofyourmotorcycle;

x

Failure,breakdownorbreakageofmechanical,electrical,electronicorcomputerequipment;

x

Damagetothetyresofyourmotorcyclecausedbybraking,punctures,cutsandburstsunlessas

adirectresultofanaccidentcoveredbythispolicy;

x

Damagetoyourmotorcyclecausedbyfillingitsfueltankwiththeincorrectfuel;

x

Lossortheftofpetrolordieselfuel;

x

Damagecausedbythefreezingofliquidinthecoolingsystemofyourmotorcycleunlessyou

havetakenallreasonableprecautionsasrecommendedbyyourmotorcyclemanufacturer;

x

Lossofordamagetoanytrailerorsidecarattachedtoyourmotorcycle;

x

Lossofordamagetoyourmotorcyclecausedasaresultofitslegalimpoundingordestruction

byorderofanygovernmentorpublicauthority;

x

Lossofordamagetoyourmotorcyclewhichwascauseddeliberatelybyyouoranyother

personinsuredonthispolicy;

x

Lossofordamagetoyourmotorcycleifitistaken,usedorriddenwithoutyourpermissionbya

spouseorcivilpartner,partner,boyfriendorgirlfriend,memberofthefamilyorhouseholdofa

permitteddriver;

Section2Exclusionscontinuedoverleaf…

14

Section 2 – Loss of or Damage to Your Motorcycle

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x

Lossofordamagetoyourmotorcycleifitisinvolvedinatheftorattemptedtheftandthe

incidenthasnotbeenreportedtothepolice;

x

Lossofordamagetoyourmotorcyclefromdeceptionbysomeoneclaimingtobeabuyeror

actingonbehalfofabuyerorbyacceptingaformofpaymentwhichabankorbuildingsociety

willnotauthorise;

x

Lossofordamagetoyourmotorcycleifitisunattendedandanyofthefollowingapplies:

i. Ifthesteeringlockhasnotbeenappliedwherefittedtoyourmotorcycle;

ii. Ifthekeyshavenotbeenremovedfromyourmotorcycle;

iii. Ifreasonableprecautionshavenotbeentakentoprotectit.

x

Liabilityforanyfurtherdamagewhichiscausedbyriding,orattemptingtoride,your motorcycleifdamagedorinanunͲroadworthycondition;

x

Anyreductioninthevalueofyourmotorcyclefollowingdamage,whetherrepairedornot;

x

Thecostofrepairing,replacingorimprovinganypartsofyourmotorcycleiftheyhavenotbeen

damaged;

x

ThecostofrepairingorreplacinganynonͲstandardpartsfittedtoyourmotorcycle;

x

ThecostofrepairingnonͲstandardpaintwork,finishorengravingsonyourmotorcyclewhich

exceedsthatofstandardpaintworkrepair;

x

Lossofordamagetoyourmotorcycle’saccessoriesorsparepartsunlesstheyarestolenwith

themotorcycleitselforkeptinyourownlockedprivategarage;

x

Thecostofrepairingorreplacingyourmotorcycle’saccessoriesorsparepartsinexcessof

£100;

x

LossofordamagetoanytypeofaudioorSatelliteNavigationequipment;

x

Lossofordamagetoanypersonalbelongingssuchasclothing,crashhelmetsorgloves;

x

Compensationforanycostsincurredasaresultofnotbeingabletouseyourmotorcycle

followinglossordamage;

x

Costswhichexceedthemarketvalueofyourmotorcycleorthevaluedeclaredonyourpolicy

scheduleifthemarketvalueismore. 15

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What

is

covered

under

this

section

3.1

Minimum

cover

Wewillprovidetheminimumcoverwhichisrequiredbylawin:

x

AnycountrywhichisamemberoftheEuropeanUnion;and

x

AnyothercountrywhichtheCommissionoftheEuropeanUnionapprovesasmeetingthe

requirementsofArticle7(2)oftheEuropeanCommunityDirectiveonInsuranceofCivil

Libertiesarisingfromtheuseofmotorvehicles(number72/166/CEE).

Thefollowingtableshowswhichcountriestheabovecurrentlyappliesto:

Austria Estonia Italy Poland

Andorra Finland Latvia Portugal

Belgium France Liechtenstein Romania

Bulgaria Germany Lithuania Slovakia

Croatia Greece Luxembourg Slovenia

Cyprus Hungary Malta Spain

CzechRepublic Iceland Netherlands Sweden

Denmark Ireland Norway Switzerland

Agreencardisnolongerrequiredifyoutraveltoanyoftheabovecountriesandyoumustinstead

takeyourcurrentCertificateofInsurancewithyouasevidenceofcompulsoryinsurancecover.

Wedonotnormallyprovidecoverinanyothercountryoutsideofthosenamedabove;however,

wewillconsiderdoingsoprovidedthatallofthefollowingapplies:

i. YoureferthistoyourBrokerinadvanceoftravel;

ii. Weagreetocoveryouinthecountriesconcerned;

iii. Youpayanyadditionalpremiumwerequireforprovidingthiscover.

IfweagreetoyourrequestwewillissueyouwithaGreenCardaslegalevidenceofcover.

ThecoverprovidedunderSection3.1istheminimumrequiredbylawinthecountryyouare

visitingfromthosestatedaboveoranyothercountryweagreeto.

Pleasenotethattheaboveinformationmaychange,thereforeyoumustcheckthelatest

informationwithyourBrokerbeforeyoutravel.

16

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3.2

Extended

cover

Wewillinsureyourmotorcycleforthesamelevelofcoverasshowninyourcurrentpolicy

scheduleinanyofthecountriesassetoutinSection3.1providedthatallofthefollowingapplies:

i. ThattravelisforSocial,DomesticandPleasurepurposesonly;

ii. Thatyourpermanentresidenceiswithintheterritoriallimits;

iii. Thatyourmotorcycleistaxedandregisteredwithintheterritoriallimitsandisalso normallykeptwithintheterritoriallimits;

iv. Thattraveloutsideoftheterritoriallimitsisofatemporarynature(suchasaholiday)

anddoesnotexceed90daysinanyoneperiodofinsurance.

3.2.1

Vehicle

transportation

Coveralsoapplieswhenyourmotorcycleisbeingtransportedbetweenanyofthecountriesstated

abovebyrailoranyrecognisedsearoutebyferry(includingloadingandunloading)aslongas

transportationdoesnotexceed65hoursinanyonejourney. 17

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If

a

claim

has

not

been

made

Ifaclaimhasnotbeenmadeagainstthispolicybytheexpirydateofthecurrentperiodof

insurance,wewillawardadiscountonyourrenewalpremiumforthenextperiodofinsurance.

Youmustbeentitledtofiveormoreyearsnoclaimbonus(NCB)inordertoqualifyforour

maximumlevelofdiscount.Yournoclaimbonusentitlementisnottransferabletoanyother

person.

Ifoneormoremotorcycleshavebeenaddedtothispolicyatareducedorflatratedpremium,

thenonlyonesinglenoclaimbonuswillapplytothewholepolicy.

If

a

claim

has

been

made

Ifaclaimhasbeenmadeagainstthispolicyduringthecurrentperiodofinsurance,wewillreduce

yournoclaimbonusentitlementaspertheapplicablescalebelow:

If

your

no

claim

bonus

is

NOT

protected

NCB

Level

NCB

level

at

next

renewal

following:

before

a

claim

1

claim

2

claims

3

or

claims

more

5+ 3 1 0 4 2 0 0 3 1 0 0 2 0 0 0 1 0 0 0 0 0 0 0

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If

your

no

claim

bonus

is

protected

Ifyouhavepaidforthisoptionanditisshownintheendorsementssectionofyourpolicy schedule,yournoclaimbonusentitlementisprotectedunlessmorethantwoclaimsaremade againstthispolicywithinfourcontinuousperiodsofinsurance.Ifmorethantwoclaimshavebeen madewithinthisperiodthenyournoclaimbonuswillbereducedasperthescalebelow: Ifaclaimismadeonyourpolicyafterwehaveconfirmedyourrenewalpremiumbutbeforethe expirydateofthecurrentperiodofinsurance,weareentitledtotakebackanyadditionaldiscount giventoyouandalsoreduceyournoclaimbonusentitlementinaccordancewithwhicheverofthe abovescalesapply.

19

Current

NCB

level

NCB

level

at

next

renewal

following:

3

claims

in

the

last

4

years

4

claims

in

the

last

4

years

5

claims

or

more

in

the

last

4

years

5+ 3 1 0

4 2 0 0

3 1 0 0

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Use

and

Riders

Wewillnotpayforanyloss,damageorliabilitycausedinanyofthefollowingcircumstances

whilstyourmotorcycleisbeingused,riddenorinthechargeof:

i. ForapurposenotspecifiedorpermittedonyourCertificateofInsurance;

ii. Inanyrace,rally,competition,trialorsimilarmotoringevent;

iii. Onanyrace,rally,testcircuitoronanyoffͲroadcourseorground;

iv. Byanypersonwhoisnotstatedinthe“personsorclassesofpersonsentitledtodrive”

sectiononyourCertificateofInsuranceunlessyourmotorcyclehasbeenstolen;

v. Byanypersonwhodoesnotholdadrivinglicenceorisdisqualifiedfromdriving;

vi. Byanypersonwhoholdsadrivinglicencebutisnotcomplyingwithanytermsor conditionsthatmayapplytothatlicence;

vii. ByanypersonwhodoesnotholdavalidCompulsoryBasicTraining(CBT)certificate

whenrequiredtodosobylaw;

viii.Withaloadoranumberofpassengerswhichisunsafeorillegal;

ix. Whencarryingaloadwhichisnotsecure.

Other

Contracts

Wewillnotpayforanyliabilityyouhaveunderanagreementorcontractunlessyouwouldbe

liableanywayiftheagreementorcontractdidnotexist.

War,

Earthquake,

Riot

and

Terrorism

Wewillnotpayforanyloss,damageorliabilitythatisdirectlyorindirectlycausedby:

i. War,invasion,actofforeignenemy,hostilities(whetherwarisdeclaredornot),civil

unrest,rebellion,revolution,insurrectionorrequisition,riotorsimilarevent,confiscation

ornationalisationbyanygovernmentorotherauthority;

ii. Earthquake;

iii. ActsofterrorismasdefinedintheTerrorismAct2000ortheequivalentlegislationinany

othercountry.

However,wewillprovideanyliabilitythatisrequiredunderthecurrentRoadTrafficAct.

Nuclear/Radioactive

Contamination

Wewillnotpayforanyloss,damageorliabilitythatisdirectlyorindirectlycausedby:

i. Ionisingradiationorcontaminationbyradioactivityfromnuclearfuelornuclearwaste;

ii. Radioactive,toxic,explosiveorotherdangerouspropertiesofanyexplosivenuclear

equipment.

Pollution

Wewillnotpayforanyloss,damageorliabilitythatisdirectlyorindirectlycausedbypollutionor

contamination. 20

General Exclusions

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Hazardous

Goods

Wewillnotpayforanyloss,damageorliabilitythatisdirectlyorindirectlycausedbythecarriage

ofexplosivesubstancesandarticles,gases,flammableliquids,flammablesolids,selfͲreactive

substancesandsoliddesensitisedexplosives,substancesliabletospontaneouscombustion,

substanceswhichemitflammablegasesoncontactwithwater,oxidisingsubstances,organic

peroxides,toxicsubstances,infectioussubstances,radioactivematerialorcorrosivesubstances.

Airport

Use

Wewillnotpayforanyloss,damageorliabilityarisingwhileyourmotorcycleoranyother

motorcyclecoveredbythispolicyisin:

i. Anyplacewhereaircrafttakeoff,landorparkincludinganyassociatedserviceroads;

ii. Arefuellingarea,groundequipmentareasortheCustomsexaminationareasof internationalairports.

Sonic

Bangs

Wewillnotpayforanyloss,damageorliabilitycauseddirectlyorindirectlybypressurewaves

fromaircraftorotheraerialdevicestravellingatsonicorsupersonicspeeds.

Criminal

Acts

Wewillnotpayforanyloss,damageorliabilitycausedwhileyourmotorcycleisbeingusedbyyou

oranyotherinsuredpersonforanycriminalactivity. 21

General Exclusions

(22)

Your

duty

Wewillonlyprovidethecoverassetoutinthispolicyif:

i. Youandanyotherpersoninsuredbythispolicykeeptothetermsandconditionsasset

outinthisdocumentandwithanyendorsementsthatarestatedinyourpolicyschedule;

ii. Alloftheinformationprovidedontheproposalformorstatementoffactdeclarationon

whichthispolicyisbasediscompleteandcorrecttothebestofyourknowledgeandhas

notbeenmisrepresentedeitherintentionallyorunintentionally.

Ifwediscoverthatanyinformationprovidedtousisincorrectornottruthfulwewillnotbeliable

topayanyclaimandwereservetherighttovoidorterminatethispolicy.

Safety

and

security

of

your

motorcycle

You,andanyotherpersoninsuredbythispolicy,musttakeallreasonableprecautionsto:

i. Keepyourmotorcycleinasafeandroadworthycondition;

ii. Protectyourmotorcyclefromlossordamage;

iii. EnsureyourmotorcyclehasavalidMOTtestcertificateifrequiredtodosobylaw.

Other

Insurance

Ifanyotherinsurancecoversyouforthesameloss,damageorliabilitycoveredunderthispolicy,

wewillonlypayourshareoftheclaim.

Changes

in

circumstances

Youmusttellusofanychangeincircumstanceswhicharerelevanttothispolicyassoonas

possible.Examplesofsuchchangesincludebutarenotlimitedto:

x

Changingorsellingyourmotorcycle;

x

Changingyourmotorcycleregistrationnumber;

x

Modifyingyourmotorcyclefromthemanufacturer’soriginalspecification;

x

Changingthepurposethatyourmotorcycleisusedfor;

x

Changingtheridersthatareinsuredonthispolicy;

x

Ifanyoftheridersinsuredonthispolicyareconvictedofamotoringorcriminaloffence (includingfixedͲpenaltynotices);

x

Ifanyoftheridersinsuredonthispolicyhastheirdrivinglicencerevoked;

x

Ifanyoftheridersinsuredonthispolicydevelopsamedicalconditionthatmayaffect

theirabilitytodrive;

x

Ifanyoftheridersinsuredonthispolicychangesoccupationorbecomesunemployed;

x

Ifyouchangeyouraddressortheaddressofwhereyourmotorcycleiskeptovernight.

Ifyoudonottellusaboutanyrelevantchangesthenwemaynotbeliabletopayanyclaimand

thispolicymaynolongerbevalid.

22

(23)

Administration

fee

Ifyoumakeapermanentchangetoyourpolicyduringthecurrentperiodofinsurance,orrequire

aduplicatecopyofyourpolicydocuments,wewillchargeyouafeeof£10excludingInsurance

PremiumTaxtocoverouradministrationcosts.Ifapermanentchangeismadethisfeewillbein

additiontoanyalterationinyourinsurancepremium.Ifthechangeresultsinareturnpremium

whichisbelow£25afterouradministrationfeehasbeenapplied,therewillbenorefundgiven.

PleasenotethatourfeedoesnotincludeanyadministrationchargethatyourBrokermayapply.

Cancellation

Byus

WeorourauthorisedBrokersmaycancelthispolicybysendingyou7daysnoticetoyourlast

knownaddress.YoumustreturnthecurrentCertificateofInsurancetousanduponreceiptofthis

wewillrefundyoutheunexpiredportionoftheannualpremiumprovidedaclaimhasnotbeen

madeinthecurrentperiodofinsurance.Ifaclaimhasbeenmadeinthecurrentperiodof

insurancethenwewillretainthefullannualpremium.

ItisanoffenceundertheRoadTrafficActnottoreturnthecurrentCertificateofInsurancetousif

thispolicyiscancelled.

Byyou

YoumaycancelthispolicyatanytimebyreturningthecurrentCertificateofInsurancetous.Ifa

claimhasnotbeenmadeduringthecurrentperiodofinsurance,arefundwillbegivenbasedon

theannualpremiuminaccordancewiththefollowingscale:

23

Period

of

cover

elapsed

(up

to):

Refund

1month 75% 2months 60% 3months 50% 4months 40% 5months 30% 6months 25% 7months 20% 8months 10%

Over8months Norefund

(24)

Cooling

Ͳ

off

period

Ͳ

your

right

of

cancellation

Onceyouhaveenteredintothisinsurancecontractwithus,youareentitledto14daystodecide

whetheryouwishtoproceed.This14dayperiodwillcommencefromeithertheinceptiondateof

thecontractorthedayonwhichyoureceivethefulltermsandconditionsofthecontract,

whicheverislater.

IfyouwishtocancelthispolicyyoumustreturnthecurrentCertificateofInsuranceorcurrent

covernotetousoryourBrokerwithinthis14dayperiod.AproͲratachargewillbemadeforthe

periodofcoverwehaveprovidedplusanadministrationfeeof£25excludingInsurancePremium

Tax.

Claims

handling

i. Youmusttelluswithoutdelayaboutanyeventthatcouldleadtoaclaim.

ii. Youmustimmediatelysendusunansweredanyletter,claim,writorsummonsyou receivetogetherwithacompletedaccidentreportform.

iii.Youmustgiveusalltheinformationandassistancewerequiretodealwiththeclaimand

youorthepersondrivingmustnotacceptresponsibilityforanyclaimagainstyouormake

anyofferorpromisetopayaclaim.

iv.YoumustfullycoͲoperatewithanythirdpartyserviceproviderswe(oranyoneelsewho

actsonourbehalf)mayinstructinordertoassistindealingwiththeclaim.

v. Weareentitledtotakeover,defendorsettleanyclaimunderthispolicyinthenameof

youoranyotherpersoncoveredbythispolicyandweareentitledtotakelegalactionin

anysuchnametorecoveranypaymentswemake.

vi.Shouldwerefuseindemnityinrespectofanaccidentduetoanyomission,misstatement

ornonͲdisclosure,buthavealiabilitytopayaclaimundertheRoadTrafficAct,thenwe

willreservetherighttosettlesuchclaimsorjudgments,withoutprejudicetoourposition

underthispolicy,andseekreimbursementofallpaymentswemakefromyou.

vii.Ifwearerequiredtopayaclaimunderthelawofanycountrycoveredbythispolicy

whichwewouldnototherwisebeliabletopay,wewillseekreimbursementofanycosts

fromyouorthepersonwhoincurredtheliability.

Fraudulent

claims

Wewillnotpayforanyloss,damageorliabilityifyouoranyotherpersoncoveredbythispolicyor

anyoneactingforyoumakesaclaimthatisfraudulentorexaggeratedinanyway,makesafalse

statementorprovidesfalseorstolendocumentstosupportaclaim.Insuchcircumstanceswewill

cancelthisinsurancecontractwithoutrefundinganypremiumandwillseektorecoveranycosts

thatwehaveincurred. 24

General Conditions

(25)

IntheeventthatKGMMotorInsuranceisunabletomeetitsliabilitiesunderthisinsurancepolicy, youmaybeentitledtocompensationfromtheFinancialServicesCompensationScheme. FurtherinformationabouttheschemeisavailableontheFSCSwebsiteatwww.fscs.org.ukoryou cancontactthemon02078927300.

25

(26)

If you want to make a complaint about any aspect of your insurance policy, in the first instance please contact: Complaints KGM Motor Insurance KGM House George Lane London E18 1RZ Tel: 020 8530 7351 Fax: 020 8530 7037

KGM Motor Insurance has produced internal complaints guidance for our customers and this is available in wring upon request.

In the event that you remain dissasfied, you can refer your complaint to Policyholder & Market Assistance at Lloyd’s. Please contact:

Policyholder & Market Assistance Lloyd’s Market Services

Fidena House Walter Burke Way Chatham Marime Chatham, Kent ME4 4RN Tel: 01634 392000 Fax: 01634 830275 E-mail: complaints@lloyds.com

Complaints that cannot be resolved by Policyholder & Market Assistance may be referred to: The Financial Ombudsman Service

South Quay Plaza 183 Marsh Wall London E14 9SR

Tel: 0845 080 1800

E-mail: complaint.info@financial-ombudsman.org.uk

Further details will be provided at the appropriate stage of the complaint process. The complaints procedure is without prejudice to your rights to take legal proceedings.

26

(27)

What

to

do

in

the

event

of

an

accident,

fire

or

theft

1 Gatherthedetailsofanyotherpartyorpartiesinvolved(ifapplicable)includingtheir name,address,vehicleregistrationnumber,insurancecompany,andcontactnumber. 2 ContactourUKbased24/7claimsassistlineon08444126412(ifcallingfromabroad pleasedial+44(0)1489898318). 3 Pleasehaveyourpolicynumberreadywhencontactingus. Pleasenote:ifyourmotorcyclehasbeeninvolvedinanincidentinvolvingtheftorattemptedtheft thenyoumustalsonotifythepoliceimmediately. IfyouhaveComprehensivecoverandhavebeeninvolvedinanaccident,wewillarrangeforthe repairofyourmotorcyclewithanapprovedrepairerand:

x

CollectandreͲdeliveryourmotorcycletoandfromyourhomeorplaceofwork;

x

Guaranteeallrepairsforthreeyears. Ourapprovedrepairernetworkincludes11‘CentresofExcellence’handlingspecialistrepairsand framealignment. Important–theabovefeaturesareonlyavailableintheUKthroughourapprovedrepairer network.

27

Making a claim

(28)

KGM Motor Insurance is a brand name for business written by Syndicate 260 which is managed by Canopius Managing Agents Limited. Canopius Managing Agents Limited is a managing agent at Lloyd’s and is authorised and regulated by the Financial Services Authority, FSA Registration No. 204847. Canopius Managing Agents Limited is registered in England & Wales number 1514453.

Registered Office: Gallery 9, One Lime Street, London, EC3M 7HA

Motorcycle

Vehicle Insurance Document

MOTOR INSURANCE

Member of Canopius Group

M

o

to

rc

yc

le

Figure

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References

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