Liverpool Victoria Motor Insurance (Comprehensive)

Section 2 - Fire and theft
If your car is lost or damaged by fire, lightning, explosion, theft or attempted theft, we may:
- pay the cost of repairs to your car;
- replace what is lost or damaged; or
- make a cash payment for not more than the market value of your car at the time of the loss or damage.
What is not covered under Sections 1 and 2
We will not pay for the following:
- Wear and tear, your car losing value, or for any repairs which improve your car beyond its condition before the loss or damage happened.
- Mechanical, electrical, electronic or computer failures or breakdowns or breakages.
- Damage to tyres caused by braking, punctures, cuts or bursts.
- More than the manufacturers latest list price in the United Kingdom of any part or accessory. If such a list price is not available the most we will pay is the manufacturers latest list price in the United Kingdom for an equivalent part or accessory.
- Additional storage costs caused by the unavailability of any part or accessory nor the cost of importing any part or accessory into the United Kingdom.
- Loss or damage to your car caused directly by pressure waves from aircraft and other aerial devices travelling at sonic or supersonic speeds.
- Loss of use of your car or any other indirect loss.
- Loss of or damage to your car by theft or attempted theft if your car has been left unlocked, left with the keys in it or left with a window or roof open.
- Loss of or damage to your car caused by deception, fraud or trickery, including when you are offering your car for sale.
- Where your car is driven or used without your permission by a member of your family or household unless you report the person to the Police for taking your car without your consent.
- Loss of or damage to your car as a result of it being confiscated or destroyed by or under official order of any government, public or local authority.
- Deliberate damage caused to your car by any person insured under your policy.
- Loss from your car being taken and returned to its rightful owner.
- Loss of or damage to any trailer or caravan whether or not it is being towed by or attached to your car.
Basis of settlement Sections 1 and 2
If your car belongs to someone else, or is under a hire purchase or leasing agreement, we may pay the legal owner.
Repairs
If this insurance covers the loss or damage and the cost will not exceed the market value of your car:
- you may arrange for reasonable and necessary repairs to be started if you send an estimate first and we have details of the cause of the damage; and
- we will also pay the reasonable cost of removing your car to the nearest competent repairer and after repair returning it to the address shown on your schedule.
We may use parts or accessories, which are not made or supplied by your cars manufacturer but are of similar type and quality to the parts and accessories we are replacing.
New car replacement
If this insurance covers the loss or damage, and within one year of registration as new in your name your car is:
- damaged so that repairs will cost more than 50% of its list price plus taxes when the damage happened; or
- stolen and not recovered;
we will replace your car with a new car of the same make, model and specification if it is available in the United Kingdom. If one is not available, we will pay you the price you paid for your car and its fitted accessories and spare parts or the current manufacturers list price (including taxes) whichever is less.
The lost or damaged car will then become our property.
In-car entertainment, telephone and satellite navigation equipment
We will pay for the loss or damage to in-car entertainment, telephone and satellite navigation equipment if permanently fitted to your car. If the equipment is of non-standard fit we will pay up to £500 as long as portable or readily removable systems are kept out of sight in the locked boot or glove compartment at the time of a theft claim.
Replacement of locks and keys
If this insurance covers the loss or damage, we will pay for all the locks to be replaced if one or more is damaged. If your car keys are lost or stolen we will pay for replacement locks and keys providing they were not left in or on your car while it was unattended.
Child car seats
If you have a child car seat in your car and your car is involved in an accident that results in impact damage to your car, we will replace the child seat with a new one of the same quality.
Excesses that apply
If your schedule shows that you have to pay an excess, you must pay the first part of any claim.
Temporary replacement car
We will pay for a temporary replacement car only if this cover is shown on your schedule.
After loss or damage covered by this insurance, if we manage your claim we will supply and pay for a temporary replacement car:
- while the repairs to your car are being carried out if you use our Selected Repairer Service; or
- for up to 14 days or until 4 days after payment has been issued to you whichever is soonest, if your car is beyond cost effective repair and cannot be driven safely, or is stolen and not recovered.
Temporary replacement cars are usually small hatchbacks under 1200cc. If a larger car is required then you will be responsible for the additional hire cost.
We will insure the temporary replacement car under this insurance in exactly the same way as we insure your car and you will only have to pay for the fuel used. You must return the temporary replacement car when the owner or we ask you to or if this insurance expires and you do not renew it.
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Section 1 - Accidental Damage
If your car is damaged by accident, we may:
- pay the cost of repairs to your car;
- replace what is lost or damaged; or
- make a cash payment for not more than the market value of your car at the time of the damage.
What is not covered under Sections 1 and 2
We will not pay for the following:
- Wear and tear, your car losing value, or for any repairs which improve your car beyond its condition before the loss or damage happened.
- Mechanical, electrical, electronic or computer failures or breakdowns or breakages.
- Damage to tyres caused by braking, punctures, cuts or bursts.
- More than the manufacturers latest list price in the United Kingdom of any part or accessory. If such a list price is not available the most we will pay is the manufacturers latest list price in the United Kingdom for an equivalent part or accessory.
- Additional storage costs caused by the unavailability of any part or accessory nor the cost of importing any part or accessory into the United Kingdom.
- Loss or damage to your car caused directly by pressure waves from aircraft and other aerial devices travelling at sonic or supersonic speeds.
- Loss of use of your car or any other indirect loss.
- Loss of or damage to your car by theft or attempted theft if your car has been left unlocked, left with the keys in it or left with a window or roof open.
- Loss of or damage to your car caused by deception, fraud or trickery, including when you are offering your car for sale.
- Where your car is driven or used without your permission by a member of your family or household unless you report the person to the Police for taking your car without your consent.
- Loss of or damage to your car as a result of it being confiscated or destroyed by or under official order of any government, public or local authority.
- Deliberate damage caused to your car by any person insured under your policy.
- Loss from your car being taken and returned to its rightful owner.
- Loss of or damage to any trailer or caravan whether or not it is being towed by or attached to your car.
Basis of settlement Sections 1 and 2
If your car belongs to someone else, or is under a hire purchase or leasing agreement, we may pay the legal owner.
Repairs
If this insurance covers the loss or damage and the cost will not exceed the market value of your car:
- you may arrange for reasonable and necessary repairs to be started if you send an estimate first and we have details of the cause of the damage; and
- we will also pay the reasonable cost of removing your car to the nearest competent repairer and after repair returning it to the address shown on your schedule.
We may use parts or accessories, which are not made or supplied by your cars manufacturer but are of similar type and quality to the parts and accessories we are replacing.
New car replacement
If this insurance covers the loss or damage, and within one year of registration as new in your name your car is:
- damaged so that repairs will cost more than 50% of its list price plus taxes when the damage happened; or
- stolen and not recovered;
we will replace your car with a new car of the same make, model and specification if it is available in the United Kingdom. If one is not available, we will pay you the price you paid for your car and its fitted accessories and spare parts or the current manufacturers list price (including taxes) whichever is less.
The lost or damaged car will then become our property.
In-car entertainment, telephone and satellite navigation equipment
We will pay for the loss or damage to in-car entertainment, telephone and satellite navigation equipment if permanently fitted to your car. If the equipment is of non-standard fit we will pay up to £500 as long as portable or readily removable systems are kept out of sight in the locked boot or glove compartment at the time of a theft claim.
Replacement of locks and keys
If this insurance covers the loss or damage, we will pay for all the locks to be replaced if one or more is damaged. If your car keys are lost or stolen we will pay for replacement locks and keys providing they were not left in or on your car while it was unattended.
Child car seats
If you have a child car seat in your car and your car is involved in an accident that results in impact damage to your car, we will replace the child seat with a new one of the same quality.
Excesses that apply
If your schedule shows that you have to pay an excess, you must pay the first part of any claim.
Temporary replacement car
We will pay for a temporary replacement car only if this cover is shown on your schedule.
After loss or damage covered by this insurance, if we manage your claim we will supply and pay for a temporary replacement car:
- while the repairs to your car are being carried out if you use our Selected Repairer Service; or
- for up to 14 days or until 4 days after payment has been issued to you whichever is soonest, if your car is beyond cost effective repair and cannot be driven safely, or is stolen and not recovered.
Temporary replacement cars are usually small hatchbacks under 1200cc. If a larger car is required then you will be responsible for the additional hire cost.
We will insure the temporary replacement car under this insurance in exactly the same way as we insure your car and you will only have to pay for the fuel used. You must return the temporary replacement car when the owner or we ask you to or if this insurance expires and you do not renew it.
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Section 8 - Personal belongings
What is covered
We will pay up to £200 for personal belongings in your car if lost or damaged due to accident, fire, theft or attempted theft.
What is not covered
We will not pay for:
- the theft or attempted theft of personal belongings, if your car has been left unlocked, left with the keys in it or left with a window or roof open;
- the theft of personal belongings unless kept out of sight in the locked boot or glove compartment of your car;
- money, stamps, tickets, documents or securities;
- goods, tools, samples or equipment carried in connection with any trade or business; or
- property covered under any other insurance.
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Basis of settlement Sections 1 and 2
Child car seats
If you have a child car seat in your car and your car is involved in an accident that results in impact damage to your car, we will replace the child seat with a new one of the same quality.collapse

Basis of settlement Sections 1 and 2
In-car entertainment, phone and satellite navigation equipment
We will pay for the loss or damage to in-car entertainment, telephone and satellite navigation equipment if permanently fitted to your car. If the equipment is of non-standard fit we will pay up to £500 as long as portable or readily removable systems are kept out of sight in the locked boot or glove compartment at the time of a theft claim.collapse

Basis of settlement Sections 1 and 2
In-car entertainment, phone and satellite navigation equipment
We will pay for the loss or damage to in-car entertainment, telephone and satellite navigation equipment if permanently fitted to your car. If the equipment is of non-standard fit we will pay up to £500 as long as portable or readily removable systems are kept out of sight in the locked boot or glove compartment at the time of a theft claim.collapse

Basis of settlement Sections 1 and 2
Replacement of locks and keys
If this insurance covers the loss or damage, we will pay for all the locks to be replaced if one or more is damaged. If your car keys are lost or stolen we will pay for replacement locks and keys providing they were not left in or on your car while it was unattended.collapse

Basis of settlement Sections 1 and 2
Optional Guaranteed Courtesy Car - £14.90
We will pay for a temporary replacement car if this cover is shown on your schedule.
After loss or damage covered by this insurance, if we manage your claim we will supply and pay for a temporary replacement car:
- while the repairs to your car are being carried out if you use our Selected Repairer Service; or
- for up to fourteen days if your car is beyond cost effective repair and cannot be driven safely, or is stolen and not recovered.
Temporary replacement cars are usually small hatchbacks under 1200cc.
We will insure the temporary replacement car under this insurance in exactly the same way as we insure your car and you will only have to pay for the petrol used. You must return the temporary replacement car when the owner or we ask you to or if this insurance expires and you do not renew it.collapse

Basis of settlement Sections 1 and 2
Optional Guaranteed Courtesy Car - £14.90
We will pay for a temporary replacement car if this cover is shown on your schedule.
After loss or damage covered by this insurance, if we manage your claim we will supply and pay for a temporary replacement car:
- while the repairs to your car are being carried out if you use our Selected Repairer Service; or
- for up to fourteen days if your car is beyond cost effective repair and cannot be driven safely, or is stolen and not recovered.
Temporary replacement cars are usually small hatchbacks under 1200cc.
We will insure the temporary replacement car under this insurance in exactly the same way as we insure your car and you will only have to pay for the petrol used. You must return the temporary replacement car when the owner or we ask you to or if this insurance expires and you do not renew it.collapse

Basis of settlement Sections 1 and 2
Optional Guaranteed Courtesy Car - £14.90
We will pay for a temporary replacement car if this cover is shown on your schedule.
After loss or damage covered by this insurance, if we manage your claim we will supply and pay for a temporary replacement car:
- while the repairs to your car are being carried out if you use our Selected Repairer Service; or
- for up to fourteen days if your car is beyond cost effective repair and cannot be driven safely, or is stolen and not recovered.
Temporary replacement cars are usually small hatchbacks under 1200cc.
We will insure the temporary replacement car under this insurance in exactly the same way as we insure your car and you will only have to pay for the petrol used. You must return the temporary replacement car when the owner or we ask you to or if this insurance expires and you do not renew it.collapse

Section 5 Foreign use - £19.90
European union (EU) countries
The cover under this Section applies if it is shown on your schedule.
The full benefits of this insurance apply in EU countries and any other country that follows EU directives including when your car is being transported, if your car is:
- registered and normally kept in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands; and
- not kept abroad for more than 180 days in a row.
Your certificate of motor insurance is proof of compulsory motor insurance in these countries shown on your schedule.
Use in other foreign countries
If you want to use your car in countries not listed on your schedule then as long as we give you our permission, and you pay any extra premiums, we will extend the full benefits of this insurance to apply:
- in the countries we have agreed, including when your car is being transported within and between them; and
- for the period agreed.
We will send you a green card as proof of your insurance.
If your car is lost or damaged in any foreign country that we have agreed to give cover for, you may be charged customs duty. If we cover the loss of or damage to your car, we will also refund you with the customs duty.collapse

Section 5 Foreign use - £19.90
European union (EU) countries
The cover under this Section applies if it is shown on your schedule.
The full benefits of this insurance apply in EU countries and any other country that follows EU directives including when your car is being transported, if your car is:
- registered and normally kept in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands; and
- not kept abroad for more than 180 days in a row.
Your certificate of motor insurance is proof of compulsory motor insurance in these countries shown on your schedule.
Use in other foreign countries
If you want to use your car in countries not listed on your schedule then as long as we give you our permission, and you pay any extra premiums, we will extend the full benefits of this insurance to apply:
- in the countries we have agreed, including when your car is being transported within and between them; and
- for the period agreed.
We will send you a green card as proof of your insurance.
If your car is lost or damaged in any foreign country that we have agreed to give cover for, you may be charged customs duty. If we cover the loss of or damage to your car, we will also refund you with the customs duty.collapse

Section 5 Foreign use - £19.90
European union (EU) countries
The cover under this Section applies if it is shown on your schedule.
The full benefits of this insurance apply in EU countries and any other country that follows EU directives including when your car is being transported, if your car is:
- registered and normally kept in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands; and
- not kept abroad for more than 180 days in a row.
Your certificate of motor insurance is proof of compulsory motor insurance in these countries shown on your schedule.
Use in other foreign countries
If you want to use your car in countries not listed on your schedule then as long as we give you our permission, and you pay any extra premiums, we will extend the full benefits of this insurance to apply:
- in the countries we have agreed, including when your car is being transported within and between them; and
- for the period agreed.
We will send you a green card as proof of your insurance.
If your car is lost or damaged in any foreign country that we have agreed to give cover for, you may be charged customs duty. If we cover the loss of or damage to your car, we will also refund you with the customs duty.collapse

NCD scale is not published.
Section 9 No claim discount
If you have a no claim discount, we will apply a premium discount in line with our no claim discount scale which is current at the time of acceptance.
If a fault claim is made and your no claim discount entitlement is not protected or guaranteed, it will be reduced in line with our no claim discount scale.
Your no claim discount will not be affected if we only pay emergency treatment charges under the Road Traffic Acts.
You cannot transfer your no claim discount to anyone else. If more than one car is insured, the no claim discount is earned separately for each car.
For an extra premium, you may choose to protect or guarantee your no claim discount when at least four years discount have been earned. If you have chosen to protect or guarantee your no claim discount, this is shown on your schedulecollapse

Policy offers both Protected NCD and Guaranteed NCD options.
Protected no claim discount
If your no claim discount is protected, it will not be affected at renewal provided not more than 2 claims have been made in the past 5 years. 3 or more fault claims will result in your no claim discount being reduced in line with our no claim discount scale.
Guaranteed no claim discount
If your no claim discount is guaranteed, it will not be affected irrespective of the number of claims made.
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