Premier Private Car (Comprehensive)

SECTION 2 - THIRD PARTY FIRE AND THEFT COVER
A - LOSS OR DAMAGE
What is covered
Loss of or damage to Your Car
We will pay for loss of or damage to Your Car caused by:
- Fire
- Theft
We will also cover Your Cars spare parts and accessories in the same way as long as they are kept in or on Your Car or in Your own private garage and fall within the maximum amount We will pay.
If Your Car is disabled due to damage covered by this Section, We will pay:
- the reasonable cost of protecting and removing Your Car to the nearest repairer.
- the reasonable cost of delivery following repair to Your address in the United Kingdom
Entertainment and Communication Equipment
We will pay up to £100 for loss of or damage to Your Cars permanently fitted Entertainment and Communication Equipment caused by fire or theft.
Payment of Claims for Loss or Damage
We will, at Our reasonable option
- pay the cost of repairs or pay You in cash the amount of any loss or damage where repair can be economically made; or
- replace Your Car with a car of the same Market Value or pay You in cash for the loss or damage where Your Car is stolen and not recovered or damaged beyond economical repair. The stolen or damaged car will then belong to Us.
If to Our knowledge Your Car belongs to someone else or is the subject of a hire purchase or leasing agreement, payment for the total loss or destruction of Your Car will normally be made to the legal owner whose receipt will be a full and final discharge to Us.
What is the most We will pay
Loss of or damage to Your Car
We will not pay:
- more than the Market Value of Your Car at the time of the loss or damage or the amount which You insured it for, whichever is the less;
- the amount of any repair or replacement which improves Your Car beyond its condition before the loss or damage;
- more than the last list or quoted price for any parts or accessories which have become unobtainable or are no longer manufactured;
- for the cost of any fuel kept in Your Car or in Your own private garage.
Entertainment and Communication Equipment
We will not pay more than the value of the Entertainment and Communication Equipment at the time of the loss or damage, after making a reasonable deduction for wear and tear.
What is not covered
1. Excess - You will have to pay the first £100 in respect of each claim for loss of or damage to Your Car. This Excess is in addition to any other Excesses shown in Your Schedule.
2. Loss of use of Your Car.
3. Depreciation, wear and tear.
4. Mechanical, electrical and electronic faults, breakdowns, malfunction, failure or breakage.
5. Loss of value of Your Car following repair.
6. Loss of or damage to Your Car caused directly or indirectly through theft by deception.
7. Loss of or damage to Your Car arising from theft when it is left Unattended and the ignition keys are left in or on Your Car.
8. Loss of or damage to:
- telephones, television equipment or two-way radio transmitters or receivers.
- money, stamps, tickets, documents, securities, lottery tickets, raffle tickets, promotional vouchers or Air Miles Vouchers.
- goods, tools or samples carried in connection with any trade or business.
- property that is covered under any other policy.
9. Loss of or damage to Your Car arising from confiscation or requisition or destruction by or under order of any Government or Public or Local Authority.
10. Theft of items carried in an open or convertible car, unless kept in a locked boot.
11. The unauthorised taking away of Your Car by a family member
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SECTION 1 COMPREHENSIVE COVER
A - LOSS OR DAMAGE
What is covered
Loss of or damage to Your Car
We will pay for loss of or damage to Your Car.
We will also pay for loss of or damage to Your Cars spare parts and accessories as long as they are kept in or on Your Car or in Your own private garage and fall within the maximum amount We will pay.
Loss of or damage to Your Car
We will not pay
- more than the Market Value of Your Car at the time of the loss or damage or the amount which You insured it for, whichever is the less;
- the amount of any repair or replacement which improves Your Car beyond its condition before the loss or damage;
- more than the last list or quoted price for any parts or accessories which have become unobtainable or are no longer manufactured;
- for the cost of any fuel kept in Your Car or in Your own private garage.
YOU MUST ALSO REFER TO THE GENERAL CONDITIONS AND THE GENERAL EXCLUSIONS ON PAGES 13-16 OF YOUR PREMIER MOTOR POLICY
Payment of Claims for Loss or Damage
We will, at Our reasonable option:
- pay the cost of repairs or pay You in cash the amount of any loss or damage where repair can be economically made; or
- replace Your Car with a car of the same Market Value or pay You in cash for the loss or damage where Your Car is stolen and not recovered or damaged beyond economical repair. The stolen or damaged car will then belong to Us.
If to Our knowledge Your Car belongs to someone else or is the subject of a Hire Purchase or Leasing Agreement, payment for the total loss or destruction of Your Car will normally be made to the legal owner whose receipt will be a full and final discharge to Us.
If Your Car is disabled due to damage covered by this Section, We will pay;
- the reasonable cost of protecting and removing Your Car to the nearest repairer.
- the reasonable cost of delivery following repair to Your address in the United Kingdom.
What is not covered
1. Excess You will have to pay the amount shown below in respect of each claim for loss of or damage to Your Car.

Driver Age	Amount You Pay
17-20 £300
21-24 £200
25 or over and inexperienced £150
25 or over and experienced £100

Inexperienced applies to any driver who has not held a full UK licence for at least one year.
These Excesses are in addition to any other Excesses shown in Your Schedule.
2. Loss of use of Your Car.
3. Depreciation, wear and tear.
4. Mechanical, electrical and electronic faults, breakdown, malfunction, failure or breakage.
5. Damage to tyres caused by the application of brakes or by punctures, cuts or bursts.
6. Loss of value of Your Car following repair.
7. Loss of or damage to Your Car caused directly or indirectly through Theft by deception.
8. Loss of or damage to Your Car arising from Theft, when it is left Unattended and the ignition keys are left in or on your car.
9. Loss of or damage to Your Car arising from confiscation or requisition or destruction by or under order of any Government or Public or Local Authority
10. Loss of or damage to:
- telephones, television equipment or two-way radio transmitters or receivers.
- money, stamps, tickets, documents, securities, lottery tickets, raffle tickets, promotional vouchers or Air Miles vouchers.
- goods, tools or samples carried in connection with any trade or business.
- that is covered under any other policy.
11. Theft of items carried in an open or convertible car, unless kept in a locked boot.
12. Loss of or damage caused by an inappropriate type or grade of fuel being used.
13. Loss of or damage caused by chewing, scratching, tearing or fouling by domestic pets, or caused by vermin, insects, mildew or fungus.
14. Loss of or damage caused intentionally by You or any member of Your family, or loss or damage someone else causes with Your permission or encouragement.
15. Loss of or damage to Your Car arising from or as a result of water freezing in the cooling circulation system of Your Car.collapse

SECTION 1 COMPREHENSIVE COVER
A - LOSS OR DAMAGE
What is covered
Personal Effects
We will pay for loss of or damage to Personal Effects whilst in or on Your Car
What is not covered
The maximum amount We will pay for loss of or damage to Personal Effects whilst in or on Your Car is £100.
YOU MUST ALSO REFER TO THE GENERAL CONDITIONS AND THE GENERAL EXCLUSIONS ON PAGES 13-16 OF YOUR PREMIER MOTOR POLICYcollapse

SECTION 1 COMPREHENSIVE COVER
A - LOSS OR DAMAGE
What is covered
Entertainment and Communication Equipment
We will pay up to £250 for loss of or damage to Your Cars permanently fitted Entertainment and Communication Equipment.
What is not covered
We will not pay more than the value of the Entertainment and Communication equipment at the time of the loss or damage, after making a reasonable deduction for wear and tear.
YOU MUST ALSO REFER TO THE GENERAL CONDITIONS AND THE GENERAL EXCLUSIONS ON PAGES 13-16 OF YOUR PREMIER MOTOR POLICYcollapse

SECTION 1 COMPREHENSIVE COVER
A - LOSS OR DAMAGE
What is covered
Windscreen Cover
We will pay for;
- the breakage of glass in the windscreen or windows of Your Car
- scratching of its bodywork caused solely by this breakage
If this is the only damage You claim for and the cost of the claim is equal to or less than the maximum amount We will pay, Your No Claim Discount will not be affected.
What is the most We will pay?
We will not pay more than the Market Value of Your Car at the time of the loss or damage or the amount which You insured it for, whichever is the less. The maximum amount we will pay is limited to £175 unless the windscreen or window(s) are repaired or replaced by Autowindscreens or Autoglass using the Premier 24 Hour Glass Service (see page 19).
If this is the only damage You claim for, Your No Claim Discount will not be affected.
What is not covered
Excess - You will have to pay the applicable excess as shown on Your Certificate of Motor Insurance for any claim for the replacement of any windscreen or window(s).
Sun roofs, roof panels, lights and/or reflectors even if they are made of glass.
YOU MUST ALSO REFER TO THE GENERAL CONDITIONS AND THE GENERAL EXCLUSIONS ON PAGES 13-16 OF YOUR PREMIER MOTOR POLICYcollapse

SECTION 4 - ALL TYPES OF COVER
DRIVING ABROAD
We will extend Your cover in the United Kingdom to apply to any country which is a member of the European Union and any other country which agrees to follow European Union Directives on motor insurance and is approved by the Commission of the European Union, provided that:
- Your permanent home is in the United Kingdom.
- Your visit(s) is/are of a temporary nature; ie for a maximum period of 90 days in any one Period of Insurance.
- You are using Your Car for social, domestic or pleasure purposes only.
If You exceed the 90 day period without Our permission, cover is reduced to the minimum You need under European Union Directives on motor insurance while Your Car is in the countries as above.
If We agree beforehand and You pay any extra premium We need, You may extend Your insurance to apply while You are using Your Car abroad for business purposes.
Cover includes transit between countries within the territorial limits by air, rail or recognised sea routes which take 65 hours or less under normal circumstances.
We will cover the reasonable cost of the return of Your Car to Your address in the United Kingdom in the event of loss or damage covered by this Motor Policy if:
- it is not possible to economically repair Your Car prior to Your intended return to the United Kingdom.
- following its loss, Your Car is recovered after Your return to the United Kingdom.
Refer to Your Certificate of Motor Insurance for guidance on which countries are covered.
Contact Your insurance advisor if a named driver wishes to take Your Car abroad without You (or Your spouse if insured on this Policy).
Spanish Bail Bond
Our representatives (in Spain) can act to release You or Your Car if You or Your Car are held after an accident.
Our representatives can pay up to £1,000 to do this, but You must refund to Us any monies paid under this Section.
Autorizamos a la Oficina de Aseguradores de Autom?es de Madrid o sus representantes designados a actuar en nombre de nuestro Asegurado para obtener la liberaci?el vehiculo y/o del Asegurado y/o de la persona autorizada para conducir el mismo de detenci?ficial como censecuencia de un accidente.
A tal efecto, la Oficina de Aseguradores de Autom?es de Madrid o sus representantes designados queda autorizada por el presente para establecer garanti?o dep?os hasta £1,000 o € 1500 en concepto de fianza penal. (La finalidad de esta garantia no es aplicable en casos de multas).
Northern Ireland
If You are permanently resident in Northern Ireland, cover is extended to include temporary use of Your Car in the Republic of Ireland provided this is permitted by Your Certificate of Motor Insurance.
Customs Duty
We will pay any Customs Duty for which You are legally liable in respect of Your Car after it has been imported into any country which is a member of the European Union or which agrees to follow European Union Directives on motor insurance as a direct result of any loss or damage covered by this Motor Policy.
YOU MUST ALSO REFER TO THE GENERAL CONDITIONS AND THE GENERAL EXCLUSIONS ON PAGES 13-16 OF YOUR PREMIER MOTOR POLICYcollapse

SECTION 1 COMPREHENSIVE COVER
A - LOSS OR DAMAGE
What is not covered
1. Excess You will have to pay the amount shown below in respect of each claim for loss of or damage to Your Car.

Driver Age	Amount You Pay
17-20 £300
21-24 £200
25 or over and inexperienced £150
25 or over and experienced £100

Inexperienced applies to any driver who has not held a full UK licence for at least one year. collapse

SECTION 1 COMPREHENSIVE COVER
A - LOSS OR DAMAGE
What is not covered
1. Excess You will have to pay the amount shown below in respect of each claim for loss of or damage to Your Car.

Driver Age	Amount You Pay
17-20 £300
21-24 £200
25 or over and inexperienced £150
25 or over and experienced £100

Inexperienced applies to any driver who has not held a full UK licence for at least one year. collapse

SECTION 1 COMPREHENSIVE COVER
A - LOSS OR DAMAGE
What is not covered
1. Excess You will have to pay the amount shown below in respect of each claim for loss of or damage to Your Car.

Driver Age	Amount You Pay
17-20 £300
21-24 £200
25 or over and inexperienced £150
25 or over and experienced £100

Inexperienced applies to any driver who has not held a full UK licence for at least one year. collapse

Loss of or damage to Your Car
We will not pay
- more than the Market Value of Your Car at the time of the loss or damage or the amount which You insured it for, whichever is the less;collapse

SECTION 4 ALL TYPES OF COVER
EXTENSIONS TO YOUR POLICY
Any extensions only apply if referred to in Your Schedule and are subject otherwise to the terms, exceptions and conditions of this Motor Policy.
Protected No Claims Discount
Your No Claim Discount will not be reduced provided not more than one claim is made under Your Policy in any two successive years.collapse

SECTION 4 - ALL TYPES OF COVER
NO CLAIM DISCOUNT
We will allow a discount against Your renewal premium if no claim has been made or arisen or if no claim is likely to be made under this Motor Policy during the previous 12 month Period of Insurance.
The amount of the discount You will receive will be in accordance with Our scale of No Claim Discount applicable at the time of renewal.
If We have to make a payment which We have not yet been able to recover or which We cannot recover from any other party involved in the incident, a claim will count against Your No Claim Discount, even if You are not at fault.
Claims which do not affect Your No Claim Discount
- any claim for payment of Emergency Treatment Fees as required by the Road Traffic Acts
- any claim where We have obtained a full recovery of any costs
- any windscreen claim paid in accordance with the Windscreen Cover under Section 1 of this Motor Policy.collapse

SECTION 4 ALL TYPES OF COVER
EXTENSIONS TO YOUR POLICY
Any extensions only apply if referred to in Your Schedule and are subject otherwise to the terms, exceptions and conditions of this Motor Policy.
Protected No Claims Discount
Your No Claim Discount will not be reduced provided not more than one claim is made under Your Policy in any two successive years.collapse