Motorcycle
Vehicle Insurance Document
MOTOR INSURANCE
Member of Canopius GroupM
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rc
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le
YoumustreadthisdocumentinconjunctionwithyourpolicyscheduleandCertificateofInsurance. Ifanyinformationcontainedinthesedocumentsisincorrect,pleasecontactyourBroker immediately.YoumustalsonotifyyourBrokerofanyotheralterationsrequiredtoyourpolicyas soonaspossible. Ifyouareinvolvedinanincidentlikelytoresultinaclaimunderthispolicy,pleaserefertoour claimsprocedureattheendofthisbooklet. MC24ͲJune2010
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
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
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
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
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.
7
Canopius Managing Agents Limited – a registered managing agent at Lloyd’s which is authorised and regulated by the Financial Services Authority.
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.
8
Compulsory excess – the contribuon which you must make towards a claim on this policy.
Definitions
Thetablebelowshowsthesectionsofthispolicybookletwhichapplyinaccordancewiththelevel
ofcoverstatedinyourpolicyschedule:
Thesectionsentitled‘GeneralExclusions’and‘GeneralConditions’withinthisbookletapplytothe
wholepolicy.
9Section
Description
Cover
Applicable
Comprehensive
Third
Party,
Fire
&
Theft
Third
Party
Only
Section1ͲLiabilitytoOthers Yes Yes YesSection2ͲLossoforDamageto
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
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.
10
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. 11What
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
2.2
Totalloss
Wewillnormallydeclareyourmotorcycleatotalloss:x
Ifwedeemthecostofrepairingyourmotorcycleasuneconomical;orx
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
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,cutsandburstsunlessasadirectresultofanaccidentcoveredbythispolicy;
x
Damagetoyourmotorcyclecausedbyfillingitsfueltankwiththeincorrectfuel;x
Lossortheftofpetrolordieselfuel;x
Damagecausedbythefreezingofliquidinthecoolingsystemofyourmotorcycleunlessyouhavetakenallreasonableprecautionsasrecommendedbyyourmotorcyclemanufacturer;
x
Lossofordamagetoanytrailerorsidecarattachedtoyourmotorcycle;x
Lossofordamagetoyourmotorcyclecausedasaresultofitslegalimpoundingordestructionbyorderofanygovernmentorpublicauthority;
x
Lossofordamagetoyourmotorcyclewhichwascauseddeliberatelybyyouoranyotherpersoninsuredonthispolicy;
x
Lossofordamagetoyourmotorcycleifitistaken,usedorriddenwithoutyourpermissionbyaspouseorcivilpartner,partner,boyfriendorgirlfriend,memberofthefamilyorhouseholdofa
permitteddriver;
Section2Exclusionscontinuedoverleaf…
14
Section 2 – Loss of or Damage to Your Motorcycle
x
Lossofordamagetoyourmotorcycleifitisinvolvedinatheftorattemptedtheftandtheincidenthasnotbeenreportedtothepolice;
x
Lossofordamagetoyourmotorcyclefromdeceptionbysomeoneclaimingtobeabuyeroractingonbehalfofabuyerorbyacceptingaformofpaymentwhichabankorbuildingsociety
willnotauthorise;
x
Lossofordamagetoyourmotorcycleifitisunattendedandanyofthefollowingapplies:i. Ifthesteeringlockhasnotbeenappliedwherefittedtoyourmotorcycle;
ii. Ifthekeyshavenotbeenremovedfromyourmotorcycle;
iii. Ifreasonableprecautionshavenotbeentakentoprotectit.
x
Liabilityforanyfurtherdamagewhichiscausedbyriding,orattemptingtoride,your motorcycleifdamagedorinanunͲroadworthycondition;x
Anyreductioninthevalueofyourmotorcyclefollowingdamage,whetherrepairedornot;x
Thecostofrepairing,replacingorimprovinganypartsofyourmotorcycleiftheyhavenotbeendamaged;
x
ThecostofrepairingorreplacinganynonͲstandardpartsfittedtoyourmotorcycle;x
ThecostofrepairingnonͲstandardpaintwork,finishorengravingsonyourmotorcyclewhichexceedsthatofstandardpaintworkrepair;
x
Lossofordamagetoyourmotorcycle’saccessoriesorsparepartsunlesstheyarestolenwiththemotorcycleitselforkeptinyourownlockedprivategarage;
x
Thecostofrepairingorreplacingyourmotorcycle’saccessoriesorsparepartsinexcessof£100;
x
LossofordamagetoanytypeofaudioorSatelliteNavigationequipment;x
Lossofordamagetoanypersonalbelongingssuchasclothing,crashhelmetsorgloves;x
Compensationforanycostsincurredasaresultofnotbeingabletouseyourmotorcyclefollowinglossordamage;
x
Costswhichexceedthemarketvalueofyourmotorcycleorthevaluedeclaredonyourpolicyscheduleifthemarketvalueismore. 15
What
is
covered
under
this
section
3.1
Minimum
cover
Wewillprovidetheminimumcoverwhichisrequiredbylawin:
x
AnycountrywhichisamemberoftheEuropeanUnion;andx
AnyothercountrywhichtheCommissionoftheEuropeanUnionapprovesasmeetingtherequirementsofArticle7(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
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
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
If
your
no
claim
bonus
is
protected
Ifyouhavepaidforthisoptionanditisshownintheendorsementssectionofyourpolicy schedule,yournoclaimbonusentitlementisprotectedunlessmorethantwoclaimsaremade againstthispolicywithinfourcontinuousperiodsofinsurance.Ifmorethantwoclaimshavebeen madewithinthisperiodthenyournoclaimbonuswillbereducedasperthescalebelow: Ifaclaimismadeonyourpolicyafterwehaveconfirmedyourrenewalpremiumbutbeforethe expirydateofthecurrentperiodofinsurance,weareentitledtotakebackanyadditionaldiscount giventoyouandalsoreduceyournoclaimbonusentitlementinaccordancewithwhicheverofthe abovescalesapply. 19Current
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
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
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
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
Ifanyoftheridersinsuredonthispolicydevelopsamedicalconditionthatmayaffecttheirabilitytodrive;
x
Ifanyoftheridersinsuredonthispolicychangesoccupationorbecomesunemployed;x
Ifyouchangeyouraddressortheaddressofwhereyourmotorcycleiskeptovernight.Ifyoudonottellusaboutanyrelevantchangesthenwemaynotbeliabletopayanyclaimand
thispolicymaynolongerbevalid.
22
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:
23Period
of
cover
elapsed
(up
to):
Refund
1month 75% 2months 60% 3months 50% 4months 40% 5months 30% 6months 25% 7months 20% 8months 10%
Over8months Norefund
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
IntheeventthatKGMMotorInsuranceisunabletomeetitsliabilitiesunderthisinsurancepolicy, youmaybeentitledtocompensationfromtheFinancialServicesCompensationScheme. FurtherinformationabouttheschemeisavailableontheFSCSwebsiteatwww.fscs.org.ukoryou cancontactthemon02078927300.
25If 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
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. 27Making a claim
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 GroupM
o
to
rc
yc
le