Kwik-Fit Private Motor (Comprehensive)

Section 1: Cover for loss or damage to your vehicle
What your vehicle is covered for
- Your insurance covers loss of or damage to your vehicle. This includes its standard accessories and spare parts if you keep these in or on your vehicle or in your private garage.
- Your insurance also covers loss of or damage to your vehicle's fitted entertainment and communication equipment. This cover does not include tapes, cassettes, compact discs or citizen-band radios.
Your payment towards a claim (the excess)
- If you claim for damage to your vehicle, you must pay the amount shown in section 1 of your schedule.
- If you are claiming only for loss of or damage to entertainment and communication equipment, you will not have to pay the excess. However, if there is any other damage to your vehicle at the same time, you will have to pay the excess (shown in section 1 of your schedule).
Young or inexperienced driver excess
If your vehicle is damaged while a young or inexperienced person is driving it, you will have to pay part of the cost of each claim as follows.

Driver s age	Amount you pay
Under 21 £300
21 to 24 £200

25 or over who has not held a full

UK licence for 12 months or more £100

This excess is on top of any other excess which you may have to pay.This excess does not apply while your vehicle is with a 'defined organisation' and does
not apply to fire and theft.
How your claim will be settled
If your insurer pays your claim,they will either:
- repair the damage;
- pay you the amount of the loss or damage; or
- give you an amount to replace what is lost or damaged and not worth repairing.
Your insurer will decide how to settle your claim.
If they pay you the amount of the loss or damage and your vehicle can be repaired, they will take VAT off the amount before paying you (unless your vehicle is a commercial vehicle).
The most your insurer will pay
a) For your vehicle:
- the market value of your vehicle just before loss or damage (except in the case of section 4 extra benefits new car replacement))
b) For entertainment and communication equipment:
- £300 if your policy cover is comprehensive; or
- £100 if your policy cover is third party fire and theft;
except for the manufacturer s standard fitted equipment,in which case there is no limit to your cover.
If you cannot replace any lost or damaged part or accessory, the most your insurer will pay will be:
- the cost shown in the manufacturer s last price list; and
- the reasonable cost of fitting.
Repairs which improve your vehicle
If you have any repair or replacement carried out which leaves your vehicle in a better condition than it was before the loss or damage, you will have to pay part of the cost of the repair or replacement.
Hire purchase or leasing agreements
If your vehicle is on hire purchase, or leased, or belongs to someone else, your insurer will normally pay your claim to the car's legal owner.
Repairs after an accident or theft
- If you cannot drive your vehicle after an accident or theft that is covered by this insurance, you are insured for making it secure and having an authorised agent take it to the nearest suitable repairer or another safe place. You are also insured for having it taken back to your address after it has been repaired.Your insurer will not pay the cost of any transport outside the country where the damage or loss happened unless your insurer agrees this first.
- You should not move your vehicle if this could cause further damage.
- Your insurer may arrange a safe place to keep your vehicle while it is waiting to be repaired, inspected or got rid of.
- Your insurer must agree before any new part or accessory is ordered for you or supplied to you.
- If your insurer thinks that the estimate for repairing your vehicle is too much, they may ask you to go to another repairer
Total loss (write off)
If your insurer decides to pay you the market value of your vehicle, you must send them all vehicle keys, the certificate of motor insurance, the vehicle registration document and (if this applies) the Department for Transport test certificate (MOT) before they will pay your claim.They may move your vehicle somewhere safe.
Your vehicle belongs to your insurer once they have paid you the insurance money. If they have agreed that you can keep the car they will pay the insurance
money when they have taken off the salvage value. If your insurer has also agreed to insure your vehicle once it is fit to drive again,cover will only be started again when you have an MOT certificate and an independent engineer's report showing that the vehicle is fit for you to drive.
As soon as your insurer says that your vehicle is a total loss,only section 2 of this policy (your liability to other people) will apply until you tell us that your vehicle has been made roadworthy (if your insurer agrees to cover it) or you tell us you have changed your vehicle.If your cover is not reinstated within 30 days, or by the end of the current period of insurance (whichever comes first), your policy will be cancelled.
Exceptions to section 1
Section 1 of your insurance does not cover any of the following:-
- Wear and tear,mechanical, electrical, electronic or computer failures or breakdown or breakages, although any loss or damage caused by failure, breakdown or breakage may still be covered.
- Damage to tyres caused by braking or by punctures, cuts or bursts.
- Loss from taking your vehicle and returning it to its legal owner
- The value of your vehicle dropping because of damage,whether you have repaired it or not.
- Any losses caused as a result of damage covered by this policy
- Loss of use of your vehicle.
- Loss of or damage to your vehicle by someone taking it by fraud or trickery, or from any agreement while you are selling or hiring your vehicle.
- Loss of or damage to your vehicle by theft if you or anyone else has left it unlocked, or left it unattended with the keys in it, or on it.
- Loss of or damage to your vehicle by theft if the vehicle is an open-top, targa or convertible, and the roof opening or hood has been left open or unlocked.
- The cost of any item which caused the fire damage to your vehicle.
- Any excess that applies to this insurance.
- Loss or damage to your vehicle by it being confiscated or destroyed by order of government or public/local authority.collapse

Section 1: Cover for loss or damage to your vehicle
What your vehicle is covered for
- Your insurance covers loss of or damage to your vehicle. This includes its standard accessories and spare parts if you keep these in or on your vehicle or in your private garage.
- Your insurance also covers loss of or damage to your vehicle's fitted entertainment and communication equipment. This cover does not include tapes, cassettes, compact discs or citizen-band radios.
Your payment towards a claim (the excess)
- If you claim for damage to your vehicle, you must pay the amount shown in section 1 of your schedule.
- If you are claiming only for loss of or damage to entertainment and communication equipment, you will not have to pay the excess. However, if there is any other damage to your vehicle at the same time, you will have to pay the excess (shown in section 1 of your schedule).
Young or inexperienced driver excess
If your vehicle is damaged while a young or inexperienced person is driving it, you will have to pay part of the cost of each claim as follows.

Driver s age	Amount you pay
Under 21 £300
21 to 24 £200

25 or over who has not held a full

UK licence for 12 months or more £100

This excess is on top of any other excess which you may have to pay.This excess does not apply while your vehicle is with a 'defined organisation' and does
not apply to fire and theft.
How your claim will be settled
If your insurer pays your claim,they will either:
- repair the damage;
- pay you the amount of the loss or damage; or
- give you an amount to replace what is lost or damaged and not worth repairing.
Your insurer will decide how to settle your claim.
If they pay you the amount of the loss or damage and your vehicle can be repaired, they will take VAT off the amount before paying you (unless your vehicle is a commercial vehicle).
The most your insurer will pay
a) For your vehicle:
- the market value of your vehicle just before loss or damage (except in the case of section 4 extra benefits new car replacement))
b) For entertainment and communication equipment:
- £300 if your policy cover is comprehensive; or
- £100 if your policy cover is third party fire and theft;
except for the manufacturer s standard fitted equipment,in which case there is no limit to your cover.
If you cannot replace any lost or damaged part or accessory, the most your insurer will pay will be:
- the cost shown in the manufacturer s last price list; and
- the reasonable cost of fitting.
Repairs which improve your vehicle
If you have any repair or replacement carried out which leaves your vehicle in a better condition than it was before the loss or damage, you will have to pay part of the cost of the repair or replacement.
Hire purchase or leasing agreements
If your vehicle is on hire purchase, or leased, or belongs to someone else, your insurer will normally pay your claim to the car's legal owner.
Repairs after an accident or theft
- If you cannot drive your vehicle after an accident or theft that is covered by this insurance, you are insured for making it secure and having an authorised agent take it to the nearest suitable repairer or another safe place. You are also insured for having it taken back to your address after it has been repaired.Your insurer will not pay the cost of any transport outside the country where the damage or loss happened unless your insurer agrees this first.
- You should not move your vehicle if this could cause further damage.
- Your insurer may arrange a safe place to keep your vehicle while it is waiting to be repaired, inspected or got rid of.
- Your insurer must agree before any new part or accessory is ordered for you or supplied to you.
- If your insurer thinks that the estimate for repairing your vehicle is too much, they may ask you to go to another repairer
Total loss (write off)
If your insurer decides to pay you the market value of your vehicle, you must send them all vehicle keys, the certificate of motor insurance, the vehicle registration document and (if this applies) the Department for Transport test certificate (MOT) before they will pay your claim.They may move your vehicle somewhere safe.
Your vehicle belongs to your insurer once they have paid you the insurance money. If they have agreed that you can keep the car they will pay the insurance
money when they have taken off the salvage value. If your insurer has also agreed to insure your vehicle once it is fit to drive again,cover will only be started again when you have an MOT certificate and an independent engineer's report showing that the vehicle is fit for you to drive.
As soon as your insurer says that your vehicle is a total loss,only section 2 of this policy (your liability to other people) will apply until you tell us that your vehicle has been made roadworthy (if your insurer agrees to cover it) or you tell us you have changed your vehicle.If your cover is not reinstated within 30 days, or by the end of the current period of insurance (whichever comes first), your policy will be cancelled.
Exceptions to section 1
Section 1 of your insurance does not cover any of the following:-
- Wear and tear,mechanical, electrical, electronic or computer failures or breakdown or breakages, although any loss or damage caused by failure, breakdown or breakage may still be covered.
- Damage to tyres caused by braking or by punctures, cuts or bursts.
- Loss from taking your vehicle and returning it to its legal owner
- The value of your vehicle dropping because of damage,whether you have repaired it or not.
- Any losses caused as a result of damage covered by this policy
- Loss of use of your vehicle.
- Loss of or damage to your vehicle by someone taking it by fraud or trickery, or from any agreement while you are selling or hiring your vehicle.
- Loss of or damage to your vehicle by theft if you or anyone else has left it unlocked, or left it unattended with the keys in it, or on it.
- Loss of or damage to your vehicle by theft if the vehicle is an open-top, targa or convertible, and the roof opening or hood has been left open or unlocked.
- The cost of any item which caused the fire damage to your vehicle.
- Any excess that applies to this insurance.
- Loss or damage to your vehicle by it being confiscated or destroyed by order of government or public/local authority.collapse

Section 4: Extra Benefits
You do not have to pay an excess for any part of this section
2 Personal belongings
If personal belongings in your vehicle are lost or damaged because of an accident, fire or theft, these are insured up to £150 in total.
If someone else owns the property, you can ask your insurer to settle the claim with them.
This cover does not apply:
- to personal belongings covered by any other insurance;
- to money, stamps, tickets, documents, jewellery or furs;
- to goods or samples for your work or any other trade; or
- if your vehicle is a motor-caravan or an open-top or convertible. collapse

The most your insurer will pay
b) For entertainment and communication equipment:
- £300 if your policy cover is comprehensive;
except for the manufacturer s standard fitted equipment,in which case there is no limit to your cover.
collapse

The most your insurer will pay
b) For entertainment and communication equipment:
- £300 if your policy cover is comprehensive; or
except for the manufacturer s standard fitted equipment,in which case there is no limit to your cover.
collapse

Section 4: Extra Benefits
6 Replacement Locks
You are insured for up to £500 towards the cost of replacement locks, for your vehicle if the keys, transmitters or entry cards for your vehicle are stolen and it is reasonable to believe that any person who has them knows the identity or garaging address of your vehicle. Your insurer will pay towards the cost of replacing: The door locks and/or boot lock. The ignition/steering lock. The lock transmitter, ignition keys, entry cards and central locking interface.collapse

Section 5: Driving abroad
Minimum cover
Your policy also provides the minimum insurance you need to let you drive your vehicle in:
- any country which is a member of the European Union; and
- any country which the Commission of the European Community approves as meeting the requirements of Article 7(2) of the European Community Directive on Insurance of Civil Liabilities arising from the use of motor vehicles (no.72/166/CEE).
Countries in which this policy applies
As well as the minimum cover shown above, your policy cover (as shown on your schedule) is valid in the following countries as well as the British Isles.

Andorra	Republic of Ireland
Austria	Italy (including San Marino and Vatican City)
Belgium	Latvia
Croatia	Lithuania
Cyprus	Luxembourg
Czech Republic	Malta
Denmark	Netherlands
Estonia	Norway
Finland	Poland
France (including Monaco)	Portugal
Germany	Slovakia
Gibraltar	Slovenia
Greece	Spain
Hungary	Sweden
Iceland	Switzerland (including Liechtenstein)

Your insurer will not extend policy cover outside the British Isles in the following circumstances unless they agree otherwise.
- If you are using any vehicle other than your vehicle.
- If your permanent home is not in the British Isles.
- If you use your vehicle outside the British Isles for more than 60 days in a period of insurance.
Cover also applies while your vehicle is being carried between sea or airports or railway stations within these countries, as long as this transit is by a recognised sea, air or rail route.
Extending your cover abroad within the European Union
If you are going to travel within the EU for more than 60 days in a year, you should let us know before you go abroad. If you ask and if your insurer agrees, we will extend your minimum policy cover to whatever cover applies.You may have to pay an extra premium for this.
Extending your cover abroad outside the European Union
There is no agreement outside the EU about minimum cover.Unless the country you are travelling to is listed on page 15, no cover applies at all.So you must call us to make arrangements before you go abroad. If your insurer agrees to extend your policy, we will issue an international motor insurance certificate (green card).You may have to pay an extra premium for this.collapse

£300
This excess is on top of any other excess which you may have to pay.
This excess does not apply while your vehicle is with a 'defined organisation' and does not apply to fire and theft.collapse

£200
This excess is on top of any other excess which you may have to pay.
This excess does not apply while your vehicle is with a 'defined organisation' and does not apply to fire and theft.collapse

Your Insurer (depending on particular contract) will only reduce your no-claim discount if you have made more than two claims (including claims made against you) in the last five periods of insurance.
If your insurer is Churchill Insurance Co Ltd, Churchill will only reduce your no-claim discount if;
- you have made more than one claim (including claims made against you) in any single period of insurance, or
- you have made more than two claims (including claims made against you) in any three consecutive periods of insurance.collapse

Section 6: No-claim discount
Your insurer will reduce your renewal premium according to the no-claim discount scale which applies at the time you renew your policy as long as:
- you do not claim under this insurance;
- no claim has been made against you; and
- nothing has happened which may result in a claim.collapse