Equity Red Star Economy Drive (Third Party, Fire & Theft)

Section 2 - Loss of or damage to your vehicle
This cover only applies to your vehicle
We will insure your vehicle against loss or damage (less any excess that applies) caused by:
- fire, lightning, self ignition and explosion; or
- theft or attempted theft, or taking the vehicle away without your permission.
Accessories and audio, visual or telephone equipment
Your vehicle's spare parts and fitted accessories are insured in the same way, (this includes the maker's tool kit and the vehicle's safety equipment). We only provide this cover if the spare parts and accessories are only used with your vehicle, are kept in or on your vehicle and fall within the maximum amount we pay.
Permanently-fitted audio, visual and telephone equipment is also insured against loss or damage, but we will only pay the market value of the equipment at the time of the loss or damage. We will only pay up to £400 for items which are not the manufacturer's standard fitted equipment. We will not pay for loss of or damage to cassettes, compact or mini discs, DVDs or accessories used with the audio, visual or telephone equipment.
For a claim under this section we may either:
- pay for the damage to be repaired; or
- pay an amount of cash to replace the lost or damaged item.
The most we pay will be either:
- the market value of your vehicle immediately before the loss (including its accessories and spare parts) up to the value shown in the schedule; or
- the cost of repairing the vehicle;
whichever is the smaller amount.
We will not pay the cost of any repair or replacement which improves your vehicle or accessories to a better condition than they were in before the loss or damage. If this happens you must make a contribution towards the cost of repair or replacement.
Transport after an accident
If your vehicle cannot be driven after an accident, we will pay the reasonable cost (where necessary) of taking your vehicle to a repairer near to your vehicles location, and returning it after the repair to your last known address. Do not attempt to move the vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of attempts to move your vehicle, we will not pay any extra cost arising from that damage.
Repairs
Repairs can be arranged quickly by using our 24-hour helpline. Call us on 0870 608 1937. If your vehicle can be driven safely and is damaged in a way which is covered by this insurance, you must send us an accident report form. You must also send two estimates from different garages so that we can decide on a suitable repairer.
If your vehicle cannot be driven safely after an accident, you may arrange for repairs to be started if you first get an estimate and immediately send it to us with a full report of the incident. We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with the repairer over costs.
Total loss (write-off)
If your vehicle is considered to be a write-off (if the cost of repairs is greater than the market value of the vehicle), we will offer you an amount as compensation. This insurance for your vehicle will end when you accept that offer. If we ask, you must return the certificate of motor insurance and the schedule before we pay the
compensation. The vehicle then becomes our property. We may decide to let the insurance continue on a replacement vehicle.
Financial interest
If the vehicle belongs to someone else, or is part of a hire purchase or leasing agreement, we will normally pay an amount for the total loss of the vehicle to the vehicles legal owner.
Excesses
If an excess is shown in the schedule, you have agreed to pay that amount for each incident of loss or damage.
When your vehicle is being serviced
The cover provided under this section will still apply when your vehicle is being serviced or repaired. While the vehicle is in the hands of the motor trade for a service or repair we ignore any restrictions on driving or use (as shown in your certificate of motor insurance).
Loss of or damage to other vehicles
We will not cover loss of or damage to any vehicle which you are driving or using, which does not belong to you, is not being bought by you under a hire purchase agreement or is leased to you, (unless that vehicle is shown in the schedule).
Exceptions to section 2
This section of your insurance does not cover the following:
- The amount of any excess shown in the schedule.
- An amount as compensation for you not being able to use your vehicle (including the cost of hiring another vehicle).
- Wear and tear.
- Failures, breakdowns or breakages of mechanical, electrical, electronic or computer equipment.
- The vehicle's value reducing, including loss of value as a result of damage, whether repaired or not.
- Repairs or replacements which improve the condition of the vehicle.
- Damage to tyres, unless caused by an accident to your vehicle.
- Damage due to liquid freezing in the cooling system, unless you have taken reasonable precautions as laid down by the vehicle manufacturer's instructions.
- Any amount over the last known list price of any part or accessory, plus the reasonable cost of fitting the part or accessory, if the vehicle manufacturer or its agent cannot supply it from stock held in the United Kingdom.
- Loss of or damage to the vehicle by someone who got it by fraud or deception.
- Loss resulting from repossessing the vehicle and returning it to its rightful owner.
- Loss of or damage to your vehicle or its contents by theft or attempted theft or an unauthorised person taking and driving it if:
- it has been left unlocked;
- it has been left with the keys in it;
- it has been left with the windows, roof panel or the roof of a convertible vehicle open; or
- reasonable precautions have not been taken to protect it .collapse

BREAKDOWN INSURANCE
If you have opted for breakdown cover and paid the additional premium, the following will apply in addition to the above.
TYPE OF INSURANCE AND COVER
Motor Breakdown and Recovery Insurance
If the vehicle cannot be driven as a result of a breakdown, which occurs during the course of a journey, Equity Red Star will arrange and pay for the services as shown below. The level of cover will be shown in the schedule.
Cover specific features and benefits (referenced to the sections contained in the insurance document)
Roadside Assistance
We will arrange and pay call-out fees and labour charges needed to start the vehicle.
Alternative Travel or Overnight Accommodation
If the vehicle breaks down while it is more than 25 miles from your home and it cannot be repaired, we will refund the cost of onward travel arrangements or necessary emergency overnight accommodation. The most we will pay will be up to £100 for:
- alternative road, rail or air travel or car hire to allow you and your party to reach your destination and return: or
- one nights hotel accommodation for you and up to 5 passengers.
Message Service
If help is arranged by the Rescue Control Centre, we can contact your family or colleagues to let them know.
Recovery Service
If the vehicle cannot be repaired at the scene of the breakdown, we will arrange and pay the cost of taking the vehicle, you and up to 5 passengers to any one place you choose.
Home Service
If the vehicle breaks down at your home or within one mile of your home, we will arrange and pay call-out fees and labour charges needed to start the vehicle.
Caravan and Trailer Service
Any caravan or small trailer will be entitled to the same service as the vehicle as long as its attached to the vehicle.
Motoring Assistance in Europe - The following benefits apply.
- Roadside Assistance and garage repairs
- Recovery to nearest garage or railway
- Garage storage costs
- Freight costs to obtain parts
- Hire Car
- Replacement driver if the sole available driver becomes ill
- Second class rail fares
- Emergency Accommodation costs
- Recovery of the vehicle to home address, if it cannot be repaired before your planned return date or car collection cost after repair
- Emergency Repairs to secure car after break in
- Tent Hire following theft or damage (excluding weather damage)
- UK Car Hire
- Telephone calls
- Cover applies within Austria, Andorra, Belgium, Czech Republic, Denmark, France, Germany, Greece, Republic of Ireland, Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Norway, Portugal, Slovak Republic, Spain, Sweden or Switzerland.
SIGNIFICANT OR UNUSUAL EXCLUSIONS OR LIMITATIONS (BY SECTION)
The cost of any ferry fares or toll fees is not covered - all sections.
The cost of any parts, components or materials used to repair the vehicle is not covered - all sections.
Service cannot be provided if the vehicle is off road or cannot be reached due to snow, mud, sand or flood all sections.
The vehicle must not knowingly be driven in an unsafe or unroadworthy condition or until recommended repairs have been carried out - all sections.
CANCELLATION
You may cancel the insurance at any time by sending us written notice. The charges that will apply are detailed in the General conditions section of the insurance document.
Your right to change your mind:
You may cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting or (if later) within 14 days of you receiving the insurance documents. We will make a charge equal to the period of cover you have had, but this charge will be subject to a minimum amount of £10 + Insurance Premium Tax (IPT).
HOW TO OBTAIN ASSISTANCE
If you require assistance you should call our 24-hour Rescue Control Centre on 0800 243 783 quoting your document number and name.collapse

Accessories and audio, visual or telephone equipment
Your vehicle's spare parts and fitted accessories are insured in the same way, (this includes the maker's tool kit and the vehicle's safety equipment). We only provide this cover if the spare parts and accessories are only used with your vehicle, are kept in or on your vehicle and fall within the maximum amount we pay.
Permanently-fitted audio, visual and telephone equipment is also insured against loss or damage, but we will only pay the market value of the equipment at the time of the loss or damage. We will only pay up to £100 for items which are not the manufacturer's standard fitted equipment.collapse

Accessories and audio, visual or telephone equipment
Your vehicle's spare parts and fitted accessories are insured in the same way, (this includes the maker's tool kit and the vehicle's safety equipment). We only provide this cover if the spare parts and accessories are only used with your vehicle, are kept in or on your vehicle and fall within the maximum amount we pay.
Permanently-fitted audio, visual and telephone equipment is also insured against loss or damage, but we will only pay the market value of the equipment at the time of the loss or damage. We will only pay up to £100 for items which are not the manufacturer's standard fitted equipment.collapse

Section 8 - Foreign use
We will automatically provide cover when you visit any country which is a member of the European Union, Norway or Switzerland (including Liechtenstein). There is no limit on the number of trips you make in any period of insurance but each trip must be for no more than 60 days. This cover only applies if:
- your permanent home is in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man; and
- your visit to such countries is temporary.
If you want to travel to any other country, you must contact your intermediary and if we agree and you pay us any extra premium we ask for, we will extend your cover so that the following benefits apply.
- Insurance cover
This insurance is extended to apply to claims occurring:
- in any country which we have agreed to provide cover for; and
- while the vehicle is being transported (including loading and unloading) between ports in countries where you have cover, as long as the vehicle is being transported by rail or by a recognised sea route of not more than 65 hours.
- Customs duty and other charges
If your vehicle suffers any loss or damage covered by this insurance, and the vehicle is in any country which we have agreed to provide cover for, we will do the following.
- Refund any customs duty you have to pay after temporarily importing your vehicle into any of the countries where you have cover.
- Refund any general average contributions and salvage charges you incur, whilst your vehicle is being transported by a recognised sea route.
- If your vehicle cannot be driven because of any loss or damage, we will pay the reasonable cost of delivering the vehicle to you at your address after the repairs have been made.
Before you take your first trip to a country in the European Union you should contact your intermediary for useful information about driving in Europe. The information they send you will include addresses of who to contact if you have an accident and a European Accident Statement form to fill in.
You must remember to take all of this information with you when you travel and keep it in a safe place ready for any future trips.collapse

The most we pay will be either:
- the market value of your vehicle immediately before the loss (including its accessories and spare parts) up to the value shown in the schedule; or
- the cost of repairing the vehicle;
whichever is the smaller amount.collapse

Endorsement number 20 - Protected no claim bonus
In return for an extra premium, if only one claim arises during any period of insurance, and the premium has been reduced by a maximum no claim bonus of 60%, there will be no reduction in the no claim bonus at the next renewal.
The benefit provided by this endorsement does not apply if more than one claim arises during any period of insurance.
When this endorsement applies we will not pay the first £50 for any claim under section 2 of this document. This amount is on top of any other excess specified in the schedule of this document, or any other excess that applies to section 2.collapse