Allianz MotorCover

Section 2 - Loss of or Damage to Your Car
What is covered
We will, at your request, pay for:
- loss of or damage to your car up to the insured value of your car; and
- the cost of protecting and removing your car to the nearest repairer and the reasonable cost of delivering your car back to you after it has been repaired.
Replacing your car
We will, at your request, replace your car with a new one of the same make, model and specification if the car is:
- stolen and not recovered within 28 days of you reporting the theft to us; or
- damaged so that the cost of repair is more than 50% of the price of an identical new car at the time of loss or damage (based on the United Kingdom list price).
We will only do this if:
- you have owned the car (or it has been hired to you under a hire purchase agreement) since it was first registered as new;
- the loss or damage happens before your car is one year old;
- we have your permission or the hire-purchase company's permission to replace the car; and
- your car is in current production and immediately available in the UK
- you have comprehensive cover.
Obsolete and Spare Parts
If any part or accessory is not available the most we will pay for that part will be the cost shown in the manufacturers last UK price list, plus a reasonable fitting cost.
Salvage
If we are going to settle your claim by replacing your car or by paying you the insured value, your damaged car will become our property.
If your car has a cherished registration plate you will retain this.
What is not covered
We will not cover;
Loss of or Damage to your car if at the time of the damage your car was being driven with your permission by a person aged 17 to 24 and that person is not named in Section 5 of your certificate of insurance.
Fire, theft and malicious damage excess
You will have to pay the first £120 of any claim made for fire, explosion, theft, attempted theft or malicious damage.
Windscreen Damage Excess
If your claim is only for repair or replacement of your car's windscreen or windows or for bodywork scratched as a direct result
of a damaged windscreen or window you will have to pay the first -
- £60 for replacement using our approved repairer Autoglass
- £Nil for repair using our approved repairer Autoglass
- £100 for replacement or repair using any other repairer
We encourage the use of repair rather than replacement where possible.
Accidental damage excess
If your claim is not for fire, theft, malicious damage or windscreen, you will have to pay the excess shown in the category of driver table below. These excesses are additional to any other excess which may
apply (please refer to your schedule).
Category of driver

Driver's Age	Experienced	Inexperienced
17 to 20£350£350
21 to 24£250£350
25 or over£120£250

An inexperienced driver is someone who has not held a full licence issued in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands for at least one year.
Loss or damage to your car following theft, attempted theft if it was unoccupied at the time of the loss or damage, unless your car was locked and the ignition key or other removable ignition device removed.
More than the amount shown below for loss of or damage to audio, communication, navigational, or in-car entertainment equipment unless it is standard equipment for your car when built. Such equipment must be permanently and securely fitted to your car and operated exclusively by your car's electrics.

Cover	Limit
Comprehensive £750
Third Party, Fire and Theft £250

Wear and tear, depreciation, mechanical, electrical, electronic or computer failures, breakdowns or breakages.
Damage to tyres caused by braking, punctures, cuts or bursts.
Damage or destruction due to pressure waves caused by aircraft or other flying objects.
Loss of market value following repairs to your car.
Loss or damage arising from confiscation, requisition or destruction of your car by or under order of any Government, Public or Local Authority.
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You are also entitled to use our Lawphone service which gives you advice on any motor related personal legal matter.
This service is available 24 hours every day.
Telephone 0870 241 4140
(or for Scotland 0141 221 8878)
When you first ring, state that you are an Allianz policyholder and quote the master number (28614).
The call will be passed to a legal advisor who will return your call.collapse

Section 6 - Replacement Locks
We will cover the cost of changing locks on your car if the keys, transmitter or immobiliser key have been lost or stolen provided you report the loss to the Police within 24 hours of discovering it.
The maximum we will pay for any one claim is £500collapse

Section K - Foreign Travel and European Union Compulsory Insurance
The policy provides the minimum cover you need by law in the following countries to use any car we cover.
- Any member country of the European Union, Bulgaria, Iceland, Liechtenstein, Norway, Romania and Switzerland.
This policy provides the full cover shown in the schedule in any country in the territorial limits as long as:
- your car is taxed and registered in the UK.
- your car is permanently kept in the UK.
- your main permanent home is in the UK.
- your visits are only temporary and do not exceed 90 days in any one period of insurance.
For cover outside the territorial limits or an extended period, you must tell your insurance adviser and you may need to pay an extra premium or there may be additional terms applied by us.
We will pay any customs duty if your car is damaged and we cannot return it to the UK after a claim covered by this policy.collapse

This policy provides the full cover shown in the schedule in any country in the territorial limits as long as:
- your car is taxed and registered in the UK.
- your car is otherwise permanently kept in the UK.
- your main permanent home is in the UK.
- your visits are only temporary and do not exceed 90 days in any one period of insurance.collapse