Roland Smith Ltd Narpo Silver (Comprehensive)

Section 2 Fire and theft
This section only applies if it is listed in your schedule.
What we cover
We cover loss or damage caused by fire, lightning, explosion, theft or attempted theft to:
- your car;
- in-car equipment;
- accessories and spare parts which are fitted into or onto your car or kept in your private garage;
- a trailer (if your schedule shows that you have this cover); and
- a loan car.
If we give you a loan car, we will cover it as if it was covered under Section 3 and Section 4.
Please read pages 24 and 25 to see how we will settle a claim under this section.
What we do not cover
We do not cover the following.
1. Any excess shown against 'Theft beneath the heading 'Total excesses applying in your schedule for any loss or damage to your car which is caused by theft or attempted theft These excesses will not apply if your car is in your locked private garage at the time of the theft or attempted theft.
2. Loss of value.
3. Wear and tear.
4. Loss of use.
5. Loss or damage to a part that breaks or fails and any resulting loss or damage caused to any other parts.
6. Damage to tyres caused by punctures, cuts or bursts.
7. Loss or damage resulting from your car being taken, without your permission, by:
- your partner;
- your boyfriend or girlfriend;
- your children;
- anyone who normally lives with you; or
- a member of your family.
8. Any loss or damage if:
- your car is left unlocked;
- your car windows are left open; or
- your car keys or anything else which
replaces a key (such as a special card) is left in, on or about your car; while it is unattended or unoccupied.
9. Loss or damage caused by deception.
10. Loss or theft of portable satellite navigation systems when the car is left unattended or unoccupied, unless they are stored out of sight in either a locked boot or glove compartment.
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Section 3 Loss and damage
This section only applies if it is listed in your schedule.
What we cover
A.Loss and damage
We cover loss of or damage to:
- your car ;
- in-car equipment ;
- accessories and spare parts which are fitted into or onto your car or kept in your private garage;
- a trailer (if your schedule shows that you have this cover);and
- a loan car.
What we do not cover
We do not cover the following.
1. Any excess shown against Accidental damage beneath the heading 'Total excesses applying in your schedule for any loss or damage to your car.
This excess will not apply to loss or damage caused by fire, theft and attempted theft.
2. Any excess shown in the table headed 'Young or inexperienced driver excess in your schedule for any loss or damage while your car is being driven by or in the care of a driver who is over 24 years old and either has a provisional licence or has had a provisional licence for less than 12 months.
This excess will not apply if your car is in the care of:
- a garage or similar motor trade organisation for servicing or repair;or
- a hotel or restaurant for the purpose of parking.
3. Any excess shown against 'Theft beneath the heading 'Total excesses applying in your schedule for any loss or damage to your car which is caused by theft or attempted theft.
This excess will not apply if your car is in your locked private garage at the time of the theft or attempted theft.
4. Loss of value.
5. Wear and tear.
6. Loss of use.
7. Loss or damage to a part that breaks or fails and any resulting loss or damage caused to any other parts.
8. Damage to tyres caused by punctures, cuts or bursts.
9. Loss or damage resulting from your car being taken, without your permission, by:
- your partner;
- your boyfriend or girlfriend;
- your children;
- anyone who normally lives with you; or
- a member of your family.
10. Any loss or damage if:
- your car is left unlocked;
- your car windows are left open; or
- your car keys or anything else which
replaces a key (such as a special card) is left in, on or about your car; while it is unattended or unoccupied.
11. Loss or damage caused by deception.
12. Damage for unnamed drivers under 25.
We do not provide any cover under your policy while your car is being driven by or is in the charge of any person under 25 years of age unless that person is named in your Certificate of Motor Insurance.
This endorsement does not apply in respect of:
- loss or damage caused by fire or theft;
- damage to the glass in your car where this is the only damage other than scratching of the bodywork caused by the broken glass.
13. Loss or theft of portable satellite navigation systems when the car is left unattended or unoccupied, unless they are stored out of sight in either a locked boot or glove compartment.
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If you need legal advice
If you need legal advice, we offer a free legal advice service. Our team of qualified legal advisers can give you free, confidential advice on motoring matters. Here are some examples of the help they can give you.
- They can provide legal advice on consumer issues which relate to motoring. For example, they can tell you about your rights if you are unhappy with a car which you have bought.
- They can provide you with legal advice if you are facing prosecution for driving or parking offences.
This service is confidential, and you can stay anonymous if you wish.
To use it, call 01132 982 632 and ask to speak to a legal adviser. Please quote code 33885, together with the renewal date on your current Certificate of Motor Insurance.collapse

Section 8 Personal effects
This section only applies if it is listed in your schedule.
What we cover
We cover loss of or damage to personal effects in or on your car up to the amount shown as 'Personal effects in your schedule.
We will pay you or, if you prefer, the owner of the property.
What we do not cover
We do not cover the following.
1. Money, stamps, tickets, documents, bonds, vouchers, lottery tickets, scratchcards, raffle tickets, Air Miles, trade samples or any property insured under any other policy.
2. Personal effects stolen from an open top or convertible car, unless they are kept in a locked boot or locked glove compartment.
3. Loss of or damage to personal effects carried in or on a trailer.
4. Wear, tear, loss of value and loss of use.collapse

Section 3 Loss and damage
What we cover
A. Loss and damage
We cover loss of or damage to:
- your car;
- in-car equipment;
- accessories and spare parts which are fitted into or onto your car or kept in your private garage;
- a trailer (if your schedule shows that you have this cover); and
- a loan car.
Accessories
Accessories are defined as:
- child safety seats;
- roof racks;
- roof boxes; and
- cycle carriers.collapse

Section 3 Loss and damage
This section only applies if it is listed in your schedule.
What we cover
A.Loss and damage
We cover loss of or damage to:
- in-car equipment ;
In-car equipment
In-car equipment is:
- a radio,cassette,compact disc player or other audio equipment;
- a phone or other communication equipment;
- satellite navigation systems;
- television or other visual entertainment equipment including video cassette recorders,DVD players and game consoles.
The above equipment,except for portable satellite navigation systems,must be permanently fitted in your car .
How we will settle a claim under sections 2, 3 and 4
A. The maximum amounts we will cover
We will provide cover up to the following amounts.
2. For in-car equipment - if the equipment has been fitted as standard by your cars manufacturer, we consider it to be part of your car and so no separate limit applies.
Otherwise, we will pay up to the amount shown as 'In-car equipment in your schedule.collapse

Section 3 Loss and damage
This section only applies if it is listed in your schedule.
What we cover
A.Loss and damage
We cover loss of or damage to:
- in-car equipment ;
In-car equipment
In-car equipment is:
- a radio,cassette,compact disc player or other audio equipment;
- a phone or other communication equipment;
- satellite navigation systems;
- television or other visual entertainment equipment including video cassette recorders,DVD players and game consoles.
The above equipment,except for portable satellite navigation systems,must be permanently fitted in your car .
How we will settle a claim under sections 2, 3 and 4
A. The maximum amounts we will cover
We will provide cover up to the following amounts.
2. For in-car equipment - if the equipment has been fitted as standard by your cars manufacturer, we consider it to be part of your car and so no separate limit applies.
Otherwise, we will pay up to the amount shown as 'In-car equipment in your schedule.collapse

Section 13 Replacement Locks
This section only applies if it is listed in your schedule.
What we cover
- We cover theft and loss of your car keys.
- We will settle the claim by paying to replace the appropriate locks or lock mechanism.collapse

If your car has been damaged
If your car has been damaged but can still be driven following an incident which is insured under your policy, our aim is to get repairs done as quickly as possible.
Our own repair shops and our approved repairer network have been carefully selected to give you a fast, reliable and professional service. You will also benefit from:
- authority to start repairs as long as your car is economical to repair;
- collection and return of your car;
- cleaning of your car inside and out, before it is returned to you;
- a lifetime guarantee on all repairs; and
- a loan car for the duration of repairs.
We will pay for the above benefits.

What type of loan car am I entitled to?
What level of cover do I have on the policy?	What is the situation?	What am I entitled to?
Comprehensive, without enhanced loan car- Your car is being repaired at one of our repair shops or- We will provide a class A loan car for the duration of repairs
benefit	approved repairer network
Comprehensive with enhanced loan car- Your car is being repaired at one of our repair shops or- We will provide a class D loan car for the duration of repairs
benefit	approved repairer network

If you choose any other car repairer, it will not affect your right to claim. However, we may not be able to arrange any of the above benefits or automatically insure any replacement car for you.
If you have a third party fire and theft cover you will not be entitled to any loan car. collapse

If your car has been damaged
If your car has been damaged but can still be driven following an incident which is insured under your policy, our aim is to get repairs done as quickly as possible.
Our own repair shops and our approved repairer network have been carefully selected to give you a fast, reliable and professional service. You will also benefit from:
- authority to start repairs as long as your car is economical to repair;
- collection and return of your car;
- cleaning of your car inside and out, before it is returned to you;
- a lifetime guarantee on all repairs; and
- a loan car for the duration of repairs.
We will pay for the above benefits.

What type of loan car am I entitled to?
What level of cover do I have on the policy?	What is the situation?	What am I entitled to?
Comprehensive, without enhanced loan car- Your car is being repaired at one of our repair shops or- We will provide a class A loan car for the duration of repairs
benefit	approved repairer network
Comprehensive with enhanced loan car- Your car is being repaired at one of our repair shops or- We will provide a class D loan car for the duration of repairs
benefit	approved repairer network

If you choose any other car repairer, it will not affect your right to claim. However, we may not be able to arrange any of the above benefits or automatically insure any replacement car for you.
If you have a third party fire and theft cover you will not be entitled to any loan car. collapse

If your car has been damaged
If your car has been damaged but can still be driven following an incident which is insured under your policy, our aim is to get repairs done as quickly as possible.
Our own repair shops and our approved repairer network have been carefully selected to give you a fast, reliable and professional service. You will also benefit from:
- authority to start repairs as long as your car is economical to repair;
- collection and return of your car;
- cleaning of your car inside and out, before it is returned to you;
- a lifetime guarantee on all repairs; and
- a loan car for the duration of repairs.
We will pay for the above benefits.

What type of loan car am I entitled to?
What level of cover do I have on the policy?	What is the situation?	What am I entitled to?
Comprehensive, without enhanced loan car- Your car is being repaired at one of our repair shops or- We will provide a class A loan car for the duration of repairs
benefit	approved repairer network
Comprehensive with enhanced loan car- Your car is being repaired at one of our repair shops or- We will provide a class D loan car for the duration of repairs
benefit	approved repairer network

If you choose any other car repairer, it will not affect your right to claim. However, we may not be able to arrange any of the above benefits or automatically insure any replacement car for you.
If you have a third party fire and theft cover you will not be entitled to any loan car. collapse

Section 4 Glass cover
This section only applies if it is listed in your schedule.
What we cover
We cover loss of or damage to the windscreen, windows and glass sunroof of your car or of any loan car and any damage to the bodywork which is caused by the broken glass.
If you only make a claim under this section it will not affect your no claims discount.
Please read pages 24 and 25 to see how we will settle a claim under this section.
What we do not cover
We do not cover any excess shown against 'Windscreen beneath the heading 'Total excess applying in your schedule for:
- any claim which is only for replacing glass: or
- any scratching of the bodywork which is caused by the broken glass.
This excess will not apply if the damage to the windscreen, windows or glass sunroof is repaired.collapse

Section 9 Use abroad
This section only applies if it is listed in your schedule.
What we cover
A .Cover for your car
You must tell us before you take your car abroad.
If you take your car to any country in the territorial limits outside of the British Isles, your policy cover will apply up to the amount shown as 'Free use abroad' in your schedule.
If your Certificate of Motor Insurance allows you to drive any other car, cover for that car is restricted to the British Isles.
See also Section 1 Legal liability to others - D. Cover Abroad
- for details of the minimum cover required by law we provide in
- Any country which is a member of the European Union.
- Any other country which meets the motor insurance Directives of, and is approved by, the European Commission.
See also 'What you should do if you take your car abroad on pages 9 - 10.
B.Cover for customs duty
If your car is lost or damaged abroad, you may have to pay customs duty for it to be stored or repaired. We will cover this customs duty as long as:
- the loss or damage is covered under our policy; and
- your car is in a country within the territorial limits.collapse

How we will settle a claim under sections 2,3 and 4
A.The maximum amounts we will cover
We will provide cover up to the following amounts.
1. For your car either:
a) the market value ,or
b) the cost of a replacement new car (section 3B),or
c )the improved total loss benefit (Section 12)
depending on the circumstances and the level of cover shown on your schedule .collapse

Section 11 No-claims discount protection
This section only applies if it is listed in your schedule.
If you have chosen no-claims discount protection, we will not reduce your no-claims discount unless more than two claims happen over five periods of insurance in a row.
If three or more claims happen:
- we will reduce your no-claims discount in line with our usual scale;
- this section will no longer apply; and
- section 10 will apply.collapse

Section 10 No-claims discount
This section only applies if it is listed in your schedule.
If no incident occurs during the period of insurance which results in a claim, your no-claims discount will increase in line with our usual scale.
If an incident occurs during the period of insurance which results in a claim, your no-claims discount will reduce in line with our usual scale.
You cannot transfer your no-claims discount to anyone else.collapse

Section 11 No-claims discount protection
This section only applies if it is listed in your schedule.
If you have chosen no-claims discount protection, we will not reduce your no-claims discount unless more than two claims happen over five periods of insurance in a row.
If three or more claims happen:
- we will reduce your no-claims discount in line with our usual scale;
- this section will no longer apply; and
- section 10 will apply.collapse