Loss Or Damage To Your Vehicle

Where your vehicle is lost, stolen or damaged, we will EITHER:
- Pay for repair OR
- Replace vehicle OR
- Pay in cash
Including accessories/spare parts (Private Car only)
Loss/damage to audio equipment (Private Car only)
Maximum payable market value not exceeding estimated value

1. Accident Recovery
Where your vehicle is disabled by loss/damage cover for:
- Protection/removal to nearest approved repairer
- Delivery to the Insured after repair

2. New Vehicle Replacement
Comprehensive cover only - replace your vehicle with a new vehicle
- Within 12 months of purchase new (Private Car) OR
- within 6 months of purchase new (Goods Carrying Vehicle)
If repair cost or damage exceeds 60% of the list price OR vehicle stolen and not recovered

3. Excesses
<25             £250
25+             £100
Glass          £50

Cover For Your Liabilities To Third Parties

- Death/bodily injury to third parties - UNLIMITED
- Damage to third party property - UNLIMITED (but limited
for Terrorism)
- (Private Cars and Goods Vehicles), £5,000,000 (Other Vehicles)
Caused by - Your vehicle OR
                    - Any towed trailer
Liability of other persons
                    - Driving your vehicle with your permission OR
                    - Using but not driving your vehicle for social/ domestic/pleasure OR
                    - Any passenger travelling in/getting into/out of your vehicle
Payment to Legal Personal Representatives
                    - in event of death of a person insured under this section
Legal Costs
                   - Solicitors fees at coroners inquest/fatal accident enquiry/ defending proceedings OR
                   - Legal services in defence of manslaughter/  reckless/ dangerous driving
                   - Cross Liabilities

Payments to the Owner - where:
- Your vehicle is subject to Hire Purchase or leasing agreement OR
- Your vehicle is on hire

Payment to Principals
Where your vehicle used under contract on behalf of a Principal,
we will cover Principal provided:
- You could have claimed, had a claim been made against him AND
- We can conduct and control all claims

Medical Expenses
Maximum £250 each injured occupant of your vehicle through
accident

Personal Effects
Maximum £250 per incident for loss or damage of personal effects
in or on your vehicle by fire, theft or accidental means
Trailer Attachments
Attached trailers
a) Special Type - include trailer in total estimated value
b) Agricultural vehicles - trailers include

Detached Trailers
Cover also applies (Private Cars/Goods Carrying Vehicles only) to trailers
a) Owned/hired/rented to you AND
b) In your custody/control when detached

Attachments
Special Type - cover applies to any attachment attached to/
detached from your vehicle - included in overall estimated value
of your vehicle
Contingent liability cover for your trailers
Loss/damage to any trailer owned by/hired to You when NOT in
your custody/control

Continental use and Compulsory Insurance Arrangements
- Cover applies within Territorial limits
- Complies with EU directives meeting laws on compulsory insurance of motor vehicles
Within Policy Territorial Limits - Certificate of insurance evidences cover
Outside of Policy Territorial Limits - Green Card required
Additional Covers
- Transit of your vehicle including
- loading/unloading - not exceeding 65 hours
- Reimbursement of customs duty
- General Average contributions, salvage charges and Sue and
Labour charges

Unauthorised Movement
Under section 2 liability arising from unauthorised use of driving of any vehicle causing an obstruction or preventing operation of your business

Unauthorised use or Driving
Requirement that person driving holds or has held licence to drive your vehicle not applicable if licence NOT required by law

Payments made under Compulsory Insurance Regulations and
rights of Recovery
If the law of any country in which the Policy requires a claim to be made but for the law would not have been paid, we reserve the right to recover payments from you or from other persons incurring liability

Emergency Treatment
Reimbursement for any person using your vehicle for payments
made under Road Traffic Acts for emergency medical treatment

Vehicles laid up an out of use
Fire and Theft
No cover other than for loss or damage by re or theft
provided insured vehicle is in locked private or public garage
or secure compound

Fire Theft and Accidental Damage
As above but also for Accidental Damage
Replacement Locks
Where your vehicle is a Private Car and keys or lock transmitter
are lost or stolen we will pay for cost of replacing:
a) The door locks and/or boost lock and/or
b) The ignition steering lock and/or
c) The lock transmitter and central locking interface
Provided identity or garage address of your vehicle is known
to person possessing your keys or transmitter

Legal Services and Advice

1. Legal Proceedings
With RAC approval cover for:
- Pursuit if any claims for damages arising from an incident -
limit £100,000
- Defence of motoring prosecution brought for criminal
proceedings arising from an accident involving your vehicle -
limit £20,000
2. Legal Costs
With RAC authorisation cover for:
- Fees/expenses/costs/disbursements incurred by an insured
person
- Third Party costs for which insured person is liable or are
agreed by RAC in respect of legal proceedings
3. Uninsured Loss Recovery
Loss airing from an accident NOT otherwise covered in respect
of:
- Damage to your vehicle and/or damage to personal effects
owned by you when in/on your vehicle and/or death/bodily
injury of insured person when in/mounting into/dismounting
from your vehicle
4. Hire of Replacement Vehicles
RAC must facilitate hire of replacement vehicle for insured person
for period your vehicle immobilised as result of accident/repair
5. Free Legal Helpline

Car Sharing and Insurance
(Private Cars Only)

Car sharing financial contributions by passengers carried in your vehicle as part of car sharing agreement are NOT deemed as the carriage of passengers for hire or reward

Gold Benefits

1. Accident Assistance is:
Where your vehicle is disabled by an accident covered by Section 1
- Free 24 hour hire car
- Overnight accommodation - up to £150 in total
- Refund in cost of public transport up to £150 in total
- If your vehicle is stolen and NOT recovered, alternative transport up to £150 in total to enable journey to be completed

2. Breakdown Assistance (GB, N.Ireland, Channel Islands and Isle of Man through RAC)
Where your vehicle breaks down the RAC will arrange free of
charge for:
- Vehicle to be repaired/towed to garage for repair
- Onwards transportation to a destination of your choice if away
from home and vehicle can not be repaired
- Assistance if vehicle will not start outside your business address

3. Continental Assistance - Accident and Breakdown
Where your vehicle breaks down the RAC will arrange free of
charge for:
- Emergency roadside assistance to a maximum of £175 or towed to a nearby garage for repair
- Onwards transportation if your vehicle can not be repaired within 12 hours
- Repatriation of your vehicle
- Overnight accommodation of £25 per person per day - max £400
The RAC can cancel services if your demands are excessive,
unreasonable or impractical

4. Improved Benefits - Comprehensive Cover Only
a) Increased Personal Effects Cover Section 6 - Increased to £350
b) Increased Medical Expenses Cover Section 5 - Increased to £350 each person injured