BMW Motor Insurance (Third Party, Fire & Theft)

Section C - Cover For Fire and Theft Damage Only.
We will indemnify You in the terms of Section B but only so far as concerns loss of or damage to Your Car, including its fitted Accessories caused by:
(a) Fire, lightning or explosion.
(b) Theft or attempted theft.
Exceptions to Section C
We will not be liable under Section C(b) above if:
i) The car is unattended or unoccupied and the doors and boot are not locked or any windows or roof opening/hood has not been secured/closed or if any key(s) or other device(s) used to gain entry/operate the car is not removed from the car.
ii) At the time of the incident, the car is being driven or used without Your permission by any person in Your family or household, unless the person is reported to the police for prosecution for taking the car without Your consent.
iii) The loss is as a result of deception or fraud.
iv) The loss arises whilst Your Car is in the custody or control of any person with Your permission who is not covered under this Policy.
v) Loss or damage to readily removable, in-car electronic equipment, unless secured in a locked boot or glove compartment, in which case We will cover up to the amount specified in the Schedule.
Excess Amount
Our liability in respect of each and every claim under this Section shall be reduced by the amount shown in the Schedule as Excess Amount for Fire and Theft - Section C.
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Section F - Additional Benefits.
3. Child car seats
If You have a child car seat fitted to Your Car and Your Car is involved in an accident, damaged by fire or theft or stolen and not recovered, We will cover You for the cost of replacing the child car seat with a new one of a similar standard, even if there is no apparent damage.collapse

Section B - Accidental Damage Cover.
This cover applies only to Your Car.
8. We will pay for the loss of or damage to permanently fitted audio / sound reproduction / telephone equipment / satellite navigation equipment and in car entertainment equipment up to the amount specified in the Schedule. (If fitted as part of the car's standard equipment, the cover is unlimited)
Exceptions to Section B
We will not be liable to pay for:
a) Loss of use, depreciation, diminution in value or wear and tear.
b) Mechanical, electrical, electronic or computer failures, breakdowns or breakages.
c) Failure of any electronic equipment to correctly recognise, accept, respond to or process any date or part of a date or any data or instruction.
d) Failure of any product, equipment or machinery containing, connected to or operated by means of a data processor chip.
e) Damage to tyres by punctures, cuts or bursts, or caused by application of brakes.
f) Loss or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
g) Deliberate damage by any person described in the effective Certificate of Motor Insurance.
h) Loss arising from Your Car being impounded as a result of a road traffic or vehicle licensing offence.
i) Loss or damage to readily removable, in-car electronic equipment, unless secured in a locked boot or glove compartment, in which case We will cover up to the amount specified in the Schedule.
Excess Amount
Our liability in respect of each and every claim under this Section shall be reduced by the amount shown in the Schedule as the Own Damage Excess plus any other excess specified in the Schedule as a Driver's Excess, together with any applicable Young or Inexperienced Driver's Excess. For the purposes of the Young or Inexperienced Driver's Excess, an Inexperienced Driver is a person who has not held a full driving licence to drive Your Car for at least 1 year if issued in the United Kingdom or for at least 2 years if issued elsewhere.
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Section B - Accidental Damage Cover.
This cover applies only to Your Car.
8. We will pay for the loss of or damage to permanently fitted audio / sound reproduction / telephone equipment / satellite navigation equipment and in car entertainment equipment up to the amount specified in the Schedule. (If fitted as part of the car's standard equipment, the cover is unlimited)
Exceptions to Section B
We will not be liable to pay for:
a) Loss of use, depreciation, diminution in value or wear and tear.
b) Mechanical, electrical, electronic or computer failures, breakdowns or breakages.
c) Failure of any electronic equipment to correctly recognise, accept, respond to or process any date or part of a date or any data or instruction.
d) Failure of any product, equipment or machinery containing, connected to or operated by means of a data processor chip.
e) Damage to tyres by punctures, cuts or bursts, or caused by application of brakes.
f) Loss or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
g) Deliberate damage by any person described in the effective Certificate of Motor Insurance.
h) Loss arising from Your Car being impounded as a result of a road traffic or vehicle licensing offence.
i) Loss or damage to readily removable, in-car electronic equipment, unless secured in a locked boot or glove compartment, in which case We will cover up to the amount specified in the Schedule.
Excess Amount
Our liability in respect of each and every claim under this Section shall be reduced by the amount shown in the Schedule as the Own Damage Excess plus any other excess specified in the Schedule as a Driver's Excess, together with any applicable Young or Inexperienced Driver's Excess. For the purposes of the Young or Inexperienced Driver's Excess, an Inexperienced Driver is a person who has not held a full driving licence to drive Your Car for at least 1 year if issued in the United Kingdom or for at least 2 years if issued elsewhere.
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Section G - Foreign Use.
1. Use Abroad
Subject to Our consent and to the payment of any additional premium requested, We will issue an International Motor Insurance Certificate/Green Card in respect of Your Car.
This Policy will then provide the same level of cover as You have in the Territorial Limits for the agreed period:
a) In any country specified (and not deleted) in the Green Card.
b) In direct connection with the transit by sea, rail or air between such countries by a recognised carrier.
We will not require payment of an additional premium provided the use abroad in any one Period of Insurance does not exceed 90 days in total.
2. European Union (E.U.) Compulsory Cover
We will provide the minimum insurance to allow You to use Your Car:
a) In any member country of the E.U.
b) In any other country which the Commission of the E.U. is satisfied has made arrangements to meet the requirements of Article 7(2) of the E.C. Directive on Insurance of Civil Liabilities arising from the use of Motor Vehicles (no. 72/166/CEE).
3. Customs duty
If You have to pay customs duty on Your Car in any of the countries shown in Section G2 'Foreign Use' because of loss or damage covered under the Policy, We will pay these costs for you.
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Section G - Foreign Use.
1. Use Abroad
Subject to Our consent and to the payment of any additional premium requested, We will issue an International Motor Insurance Certificate/Green Card in respect of Your Car.
This Policy will then provide the same level of cover as You have in the Territorial Limits for the agreed period:
a) In any country specified (and not deleted) in the Green Card.
b) In direct connection with the transit by sea, rail or air between such countries by a recognised carrier.
We will not require payment of an additional premium provided the use abroad in any one Period of Insurance does not exceed 90 days in total.
2. European Union (E.U.) Compulsory Cover
We will provide the minimum insurance to allow You to use Your Car:
a) In any member country of the E.U.
b) In any other country which the Commission of the E.U. is satisfied has made arrangements to meet the requirements of Article 7(2) of the E.C. Directive on Insurance of Civil Liabilities arising from the use of Motor Vehicles (no. 72/166/CEE).
3. Customs duty
If You have to pay customs duty on Your Car in any of the countries shown in Section G2 'Foreign Use' because of loss or damage covered under the Policy, We will pay these costs for you.
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Section G - Foreign Use.
1. Use Abroad
Subject to Our consent and to the payment of any additional premium requested, We will issue an International Motor Insurance Certificate/Green Card in respect of Your Car.
This Policy will then provide the same level of cover as You have in the Territorial Limits for the agreed period:
a) In any country specified (and not deleted) in the Green Card.
b) In direct connection with the transit by sea, rail or air between such countries by a recognised carrier.
We will not require payment of an additional premium provided the use abroad in any one Period of Insurance does not exceed 90 days in total.
2. European Union (E.U.) Compulsory Cover
We will provide the minimum insurance to allow You to use Your Car:
a) In any member country of the E.U.
b) In any other country which the Commission of the E.U. is satisfied has made arrangements to meet the requirements of Article 7(2) of the E.C. Directive on Insurance of Civil Liabilities arising from the use of Motor Vehicles (no. 72/166/CEE).
3. Customs duty
If You have to pay customs duty on Your Car in any of the countries shown in Section G2 'Foreign Use' because of loss or damage covered under the Policy, We will pay these costs for you.
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The maximum amount payable by Us will be the Market Value at the time of the loss or damage unless You are entitled to claim for a replacement car as detailed below in paragraph 3. If We settle on the basis that Your Car is a total loss or uneconomical to repair, We will become entitled to possession and ownership of Your Car.collapse

Once you have four years No Claims Discount (NCD), you can protect it for a small extra premium. This allows you to have one claim in any year, or up to two claims in any three year period, without losing your NCD.collapse

Up to 65% No Claims Bonus (70% if you're over 50 years of age).
NO CLAIM DISCOUNT
In the event of no claim being made or arising under this Policy, any premium for renewal will be reduced in accordance with Our scale applicable at the renewal date. Details are available on request. We will not give proof of Your No Claim Discount unless You have paid all the premiums You owe. Your entitlement to No Claim Discount is not transferable to another person.
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Once you have four years No Claims Discount (NCD), you can protect it for a small extra premium. This allows you to have one claim in any year, or up to two claims in any three year period, without losing your NCD.collapse