Sheilas' Wheels Car Insurance (Comprehensive)

Section 3 Fire and theft
What is covered
For loss or damage to your car caused by fire, lightning, explosion, theft or attempted theft, we will:
- pay to have the damage repaired
- replace what is lost or damaged if this is more cost-effective than repairing it; or
- settle your claim by a monetary payment.
We will decide which of these methods we will use to settle your claim.
If we settle a claim under this section as a total loss, the lost or damaged car becomes our property.
We will pay the excess if the loss or damage happens while your car is with a member of the motor trade for repairs or servicing.
New car cover
If your car is less than one year old and you or your partner have been the first and only owner and registered keeper, we will replace it with a new one of the same make and model if it has:
- been stolen and not found; or
- suffered damage covered by this section and the cost of repairing it
will be more than 60% of the last United Kingdom list price (including taxes).
We can only do this if a replacement car is available in the UK and anyone else who has an interest in your car agrees.
If a suitable replacement car is not available, we will settle the claim by one of the methods shown above.
Car audio, navigation and entertainment equipment
We will pay up to the amount shown in your Schedule for loss of, or damage to, in-car audio, television, DVD, phone, games-console, electronic navigation or radar detection equipment permanently fitted to your
car. If the equipment is part of the vehicles original specification, fitted by the manufacturer/dealer from first registration, cover will be unlimited.
Child car seats
If you have a child car seat/booster seat in your car and your car is damaged following fire or theft, resulting in a claim under this section of your policy, we will also contribute towards the cost of replacement
of the child car seat/booster seat up to a maximum of £100 per child seat, even if there is no apparent damage to the child car seat/booster seat.
Stolen car keys
If the keys or lock transmitter or entry card for the keyless entry system of your car are stolen we will pay up to £500 for the cost of replacing:
- the door and boot locks
- the ignition and steering lock
- the lock transmitter; and
- the entry card
provided that we are satisfied that the identity or location of your car is known to any person who may have the keys or transmitter or entry card.
What is not covered
- The excess shown in your Schedule, unless your car is stolen from a private locked garage.
- Loss or damage to your car where possession is gained by any form of deception or fraud.
- Loss or damage caused by theft or attempted theft if your car is left unattended without being properly locked or if any window, roof opening, removable roof panel or hood is left open or unlocked.
- Loss or damage caused by theft or attempted theft if the keys, lock transmitter or card from a keyless entry system are left in or on your car while it is left unattended.
- Loss or damage if any approved security or tracking device, which we have asked to be fitted as a condition of issuing this insurance policy and which you have told us is, or will be, fitted to your vehicle, has not been set or is not in full working order, or if the network subscription for the maintenance or air time contract of any tracking device is not current at the time of loss.
- Loss or damage, if the theft or attempted theft has not been reported to the police and has not been assigned a crime reference number.
The most we will pay under this section
We will not pay more than the market value of your car at the time of the loss, less the excess.
Exceptions which apply to sections 2, 3 and 4
What is not covered
- Loss or damage caused by wear and tear or depreciation.
- Any decrease in the market value of your car following repair covered by your policy.
- Any part of a repair or replacement which improves your car beyond its condition before the loss or damage occurred.
- Any mechanical, electrical, electronic, computer or computer software breakdowns, failures, faults or breakages.
- Damage to tyres caused by braking, punctures, cuts or bursts.
- Loss or damage to mobile or car telephones or other portable telecommunications, audio, television, DVD, gaming, navigation or radar detection equipment not permanently fitted to your vehicle, or any of their parts.
- Deliberate damage caused to your car by anyone insured under our policy.
- Losses that are not directly associated with the loss of, or damage to, your car, or which are not directly covered by the terms and conditions of this policy, for example loss of use of your car.
- Loss or damage to any trailer, caravan or disabled motor vehicle, or their contents, being towed by your car.
- Loss or damage to your car if, at the time of the incident, it was being driven or used without your permission by someone in your family or someone living with you.
- Loss or damage due to any government, public or local authority legally taking, keeping or destroying your car.
Conditions which apply to sections 2, 3 and 4
1. Hire purchase, leasing and other agreements
We will make any payment under your policy to the legal owner if we know that your car is owned by someone other than you. We will only pay you the balance that is left after we have paid the legal owner all that they are entitled to.
2. Parts
If any part or accessory is not available, the most we will pay for that part will be the cost shown in the suppliers last United Kingdom price list. We will also pay reasonable fitting costs. We may make a monetary payment on this basis if such a part cannot be obtained.
We may use parts which are not made by the manufacturer of your vehicle, but are of equivalent type and quality to the parts we are replacing. This may include parts made from recycled materials.
3. Removal and delivery
If your car has been immobilised as a result of loss or damage covered under your policy, we will pay reasonable transport costs to take it to the nearest suitable repairer. We will also pay the reasonable cost of returning your car to you at the address shown in your Schedule after it has been repaired. We may put your car in safe storage, which we will arrange and pay for if we think storage is necessary, before it is sold
or taken for scrap.
4. Repairs
If damage to your car is covered under your policy and you choose to use our recommended repairer scheme, you do not need an estimate for the repairs, and work on your car can start as soon as practically possible.
Alternatively, you can arrange for reasonable and necessary repairs at a repairer of your choice but you must send us a detailed repair estimate and full details of the incident as soon as possible. We will only be
liable for the repair costs at a non-recommended repairer once we have agreed that the costs are reasonable and we have issued an authorisation to the repairer. We reserve the right to ask you to obtain alternative estimates.
If you decide not to use our recommended repairer then an additional excess of £200 will be applied. This excess will be in addition to any other excesses shown on your policy schedule.
5. Total loss of your car
If the settlement of a claim results in your car being treated as a total loss as a result of an accident, theft, fire, flood or malicious damage, we will reduce the claim payment by taking any part of the full premium
you owe us. When we have made the full claim payment on this basis, we will have met all our responsibilities to you under your policy and your car will become our property. Your policy will then be cancelled unless we agree otherwise, and we will not refund any of your premium. If you are paying by instalments your full annual premium remains payable unless we have deducted this from your claim settlement.
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Section 2 Damage to your car
What is covered
For loss or damage to your car other than by fire, lightning, explosion, theft or attempted theft, we will:
- pay to have the damage repaired
- replace what is lost or damaged if this is more cost-effective than repairing it; or
- settle your claim by a monetary payment.
We will decide which of these methods we will use to settle your claim.
If we settle a claim under this section as a total loss, the lost or damaged car becomes our property. We will pay the excess if the loss or damage happens while your car is with a member of the motor trade for repairs or servicing.
New car cover
If your car is less than one year old and you or your partner have been the first and only owner and registered keeper, we will replace it with a new one of the same make and model if it has suffered damage covered by this section and the cost of repairing it will be more than 60% of the last United Kingdom list price (including taxes). We can only do this if a replacement car is available in the UK and anyone else who
has an interest in your car agrees.
If a suitable replacement car is not available, we will settle the claim by one of the methods shown above.
Car audio, navigation and entertainment equipment
We will pay up to the amount shown in your Schedule for loss of, or damage to, in-car audio, television, DVD, phone, games-console, electronic navigation or radar detection equipment permanently fitted to your
car. If the equipment is part of the vehicles original specification, fitted by the manufacturer/dealer from first registration, cover will be unlimited.
Child car seats
If you have a child car seat/booster seat in your car and your car is involved in an accident resulting in a claim under this section of your policy, we will also contribute towards the cost of replacement of the child
car seat/booster seat up to a maximum of £100 per child seat, even if there is no apparent damage to the child car seat/booster seat.
What is not covered
- The excesses shown in your Schedule.
The most we will pay under this section
We will not pay more than the market value of your car at the time of the loss, less the total excess.
Exceptions which apply to sections 2, 3 and 4
What is not covered
- Loss or damage caused by wear and tear or depreciation.
- Any decrease in the market value of your car following repair covered by your policy.
- Any part of a repair or replacement which improves your car beyond its condition before the loss or damage occurred.
- Any mechanical, electrical, electronic, computer or computer software breakdowns, failures, faults or breakages.
- Damage to tyres caused by braking, punctures, cuts or bursts.
- Loss or damage to mobile or car telephones or other portable telecommunications, audio, television, DVD, gaming, navigation or radar detection equipment not permanently fitted to your vehicle, or any of their parts.
- Deliberate damage caused to your car by anyone insured under our policy.
- Losses that are not directly associated with the loss of, or damage to, your car, or which are not directly covered by the terms and conditions of this policy, for example loss of use of your car.
- Loss or damage to any trailer, caravan or disabled motor vehicle, or their contents, being towed by your car.
- Loss or damage to your car if, at the time of the incident, it was being driven or used without your permission by someone in your family or someone living with you.
- Loss or damage due to any government, public or local authority legally taking, keeping or destroying your car.
Conditions which apply to sections 2, 3 and 4
1. Hire purchase, leasing and other agreements
We will make any payment under your policy to the legal owner if we know that your car is owned by someone other than you. We will only pay you the balance that is left after we have paid the legal owner all that they are entitled to.
2. Parts
If any part or accessory is not available, the most we will pay for that part will be the cost shown in the suppliers last United Kingdom price list. We will also pay reasonable fitting costs. We may make a monetary payment on this basis if such a part cannot be obtained.
We may use parts which are not made by the manufacturer of your vehicle, but are of equivalent type and quality to the parts we are replacing. This may include parts made from recycled materials.
3. Removal and delivery
If your car has been immobilised as a result of loss or damage covered under your policy, we will pay reasonable transport costs to take it to the nearest suitable repairer. We will also pay the reasonable cost of returning your car to you at the address shown in your Schedule after it has been repaired. We may put your car in safe storage, which we will arrange and pay for if we think storage is necessary, before it is sold
or taken for scrap.
4. Repairs
If damage to your car is covered under your policy and you choose to use our recommended repairer scheme, you do not need an estimate for the repairs, and work on your car can start as soon as practically possible.
Alternatively, you can arrange for reasonable and necessary repairs at a repairer of your choice but you must send us a detailed repair estimate and full details of the incident as soon as possible. We will only be
liable for the repair costs at a non-recommended repairer once we have agreed that the costs are reasonable and we have issued an authorisation to the repairer. We reserve the right to ask you to obtain alternative estimates.
If you decide not to use our recommended repairer then an additional excess of £200 will be applied. This excess will be in addition to any other excesses shown on your policy schedule.
5. Total loss of your car
If the settlement of a claim results in your car being treated as a total loss as a result of an accident, theft, fire, flood or malicious damage, we will reduce the claim payment by taking any part of the full premium
you owe us. When we have made the full claim payment on this basis, we will have met all our responsibilities to you under your policy and your car will become our property. Your policy will then be cancelled unless we agree otherwise, and we will not refund any of your premium. If you are paying by instalments your full annual premium remains payable unless we have deducted this from your claim settlement.
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Section 5 Additional benefits
4. Personal belongings and handbag cover
If your car is lost or damaged as a result of a claim under section 2 or 3 of your policy, we will also pay for loss of, or damage to, any personal belongings and electrical accessories not permanently fitted to your car
caused by accident, fire, theft or attempted theft, while they are in or on your car.
The most we will pay for any one incident is the amount shown in your Schedule.
We will also pay an extra amount for loss of, or damage to, any handbag and its contents caused by accident, fire, theft or attempted theft, whilst it is in or on your car.
The most we will pay for any one incident is the amount shown in your Schedule.
We will make deductions for wear and tear.
What is not covered
Loss of, or damage to:
- money, credit or debit cards, stamps, tickets, vouchers, documents and securities (for example, share certificates and premium bonds)
- goods or samples carried in connection with any trade or business; or
- property from an open or convertible car, unless the property was left in a locked boot or locked glove compartment.
- property as a result of someone gaining possesion of the car by any form of deception or fraud.
We will not pay more than our share of the claim if you have other insurance that covers the same loss or damage.collapse

Child car seats
If you have a child car seat/booster seat in your car and your car is involved in an accident resulting in a claim under this section of your policy, we will also contribute towards the cost of replacement of the child car seat/booster seat up to a maximum of £100 per child seat, even if there is no apparent damage to the child car seat/booster seat.
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Car audio, navigation and entertainment equipment
We will pay up to the amount shown in your Schedule for loss of, or damage to, in-car audio, television, DVD, phone, games-console, electronic navigation or radar detection equipment permanently fitted to your car. If the equipment is part of the vehicles original specification, fitted by the manufacturer/dealer from first registration, cover will be unlimited.collapse

Car audio, navigation and entertainment equipment
We will pay up to the amount shown in your Schedule for loss of, or damage to, in-car audio, television, DVD, phone, games-console, electronic navigation or radar detection equipment permanently fitted to your car. If the equipment is part of the vehicles original specification, fitted by the manufacturer/dealer from first registration, cover will be unlimited.collapse

- Free courtesy car - we will provide you with a free courtesy car while your car is being repaired by our recommended repairers under a valid claim. All you pay for is the fuel.
Points you need to know about our courtesy car service
- The service is only available if you have Comprehensive cover and use a member of our recommended repairer network for repair of your car following damage insured by your policy.
- The service is only available whilst your policy remains in force. If your policy lapses or is cancelled you will not be provided with a courtesy car and any courtesy car that has already been provided will be withdrawn.
- The service is not available for claims under the windscreen section of the policy.
- We aim to provide a courtesy car within 2 working days of damage insured by your policy if your car is not driveable. If your car is driveable, the courtesy car will be provided when your vehicle is being repaired by our recommended repairer.
- A courtesy car is not available if your car is stolen or is considered to be a total loss. We will withdraw any courtesy car you may have been given if after examination your car is considered to be a total loss.
- The courtesy car provided will usually be a Group A car such as a Nissan Micra or Ford Ka.
- The courtesy car will be automatically insured by your own policy at no additional cost to you, provided your policy remains in force, however the normal policy terms and conditions apply. For example if you have an accident in the courtesy car, it will be treated as another claim under your policy and you may lose your no claim discount. If your policy lapses or is cancelled during the period you have the courtesy car, then cover for the courtesy car will also cease and the vehicle will be withdrawn.
- If you have breakdown assistance cover as part of your policy, this will only apply to the courtesy car if you have bought the 'Any Vehicle extension to the breakdown assistance cover section.
- You will be responsible for any fines for parking and other motoring offences you incur while using the courtesy car. You will also be responsible for any congestion charges and tolls while using the courtesy car.
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- Free courtesy car - we will provide you with a free courtesy car while your car is being repaired by our recommended repairers under a valid claim. All you pay for is the fuel.
Points you need to know about our courtesy car service
- The service is only available if you have Comprehensive cover and use a member of our recommended repairer network for repair of your car following damage insured by your policy.
- The service is only available whilst your policy remains in force. If your policy lapses or is cancelled you will not be provided with a courtesy car and any courtesy car that has already been provided will be withdrawn.
- The service is not available for claims under the windscreen section of the policy.
- We aim to provide a courtesy car within 2 working days of damage insured by your policy if your car is not driveable. If your car is driveable, the courtesy car will be provided when your vehicle is being repaired by our recommended repairer.
- A courtesy car is not available if your car is stolen or is considered to be a total loss. We will withdraw any courtesy car you may have been given if after examination your car is considered to be a total loss.
- The courtesy car provided will usually be a Group A car such as a Nissan Micra or Ford Ka.
- The courtesy car will be automatically insured by your own policy at no additional cost to you, provided your policy remains in force, however the normal policy terms and conditions apply. For example if you have an accident in the courtesy car, it will be treated as another claim under your policy and you may lose your no claim discount. If your policy lapses or is cancelled during the period you have the courtesy car, then cover for the courtesy car will also cease and the vehicle will be withdrawn.
- If you have breakdown assistance cover as part of your policy, this will only apply to the courtesy car if you have bought the 'Any Vehicle extension to the breakdown assistance cover section.
- You will be responsible for any fines for parking and other motoring offences you incur while using the courtesy car. You will also be responsible for any congestion charges and tolls while using the courtesy car.
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- Free courtesy car - we will provide you with a free courtesy car while your car is being repaired by our recommended repairers under a valid claim. All you pay for is the fuel.
Points you need to know about our courtesy car service
- The service is only available if you have Comprehensive cover and use a member of our recommended repairer network for repair of your car following damage insured by your policy.
- The service is only available whilst your policy remains in force. If your policy lapses or is cancelled you will not be provided with a courtesy car and any courtesy car that has already been provided will be withdrawn.
- The service is not available for claims under the windscreen section of the policy.
- We aim to provide a courtesy car within 2 working days of damage insured by your policy if your car is not driveable. If your car is driveable, the courtesy car will be provided when your vehicle is being repaired by our recommended repairer.
- A courtesy car is not available if your car is stolen or is considered to be a total loss. We will withdraw any courtesy car you may have been given if after examination your car is considered to be a total loss.
- The courtesy car provided will usually be a Group A car such as a Nissan Micra or Ford Ka.
- The courtesy car will be automatically insured by your own policy at no additional cost to you, provided your policy remains in force, however the normal policy terms and conditions apply. For example if you have an accident in the courtesy car, it will be treated as another claim under your policy and you may lose your no claim discount. If your policy lapses or is cancelled during the period you have the courtesy car, then cover for the courtesy car will also cease and the vehicle will be withdrawn.
- If you have breakdown assistance cover as part of your policy, this will only apply to the courtesy car if you have bought the 'Any Vehicle extension to the breakdown assistance cover section.
- You will be responsible for any fines for parking and other motoring offences you incur while using the courtesy car. You will also be responsible for any congestion charges and tolls while using the courtesy car.
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Section 4 Windscreen damage
What is covered
We will:
- pay the cost of repair or replacement of accidentally damaged or broken glass in the windscreen or side or rear windows of your car and any scratching to the bodywork caused by the broken glass, as long as there has not been any other loss or damage.
Claims made under this section will not affect your no claim discount.
What is not covered
- The windscreen excess shown in your Schedule, unless the glass is repaired and not replaced.
- Any amount over £100 for each incident, unless the repair or replacement is carried out by our recommended windscreen specialists who are Autoglass.
- Replacement of the hood/roof structure of a convertible or cabriolet vehicle.
- Damaged or broken glass in sunroofs or fixed or moveable glass roof panels.
The most we will pay under this section
We will not pay more than the market value of your car at the time of the loss, less the excess.
Exceptions which apply to sections 2, 3 and 4
What is not covered
- Loss or damage caused by wear and tear or depreciation.
- Any decrease in the market value of your car following repair covered by your policy.
- Any part of a repair or replacement which improves your car beyond its condition before the loss or damage occurred.
- Any mechanical, electrical, electronic, computer or computer software breakdowns, failures, faults or breakages.
- Damage to tyres caused by braking, punctures, cuts or bursts.
- Loss or damage to mobile or car telephones or other portable telecommunications, audio, television, DVD, gaming, navigation or radar detection equipment not permanently fitted to your vehicle, or any of their parts.
- Deliberate damage caused to your car by anyone insured under our policy.
- Losses that are not directly associated with the loss of, or damage to, your car, or which are not directly covered by the terms and conditions of this policy, for example loss of use of your car.
- Loss or damage to any trailer, caravan or disabled motor vehicle, or their contents, being towed by your car.
- Loss or damage to your car if, at the time of the incident, it was being driven or used without your permission by someone in your family or someone living with you.
- Loss or damage due to any government, public or local authority legally taking, keeping or destroying your car.
Conditions which apply to sections 2, 3 and 4
1. Hire purchase, leasing and other agreements
We will make any payment under your policy to the legal owner if we know that your car is owned by someone other than you. We will only pay you the balance that is left after we have paid the legal owner all that they are entitled to.
2. Parts
If any part or accessory is not available, the most we will pay for that part will be the cost shown in the suppliers last United Kingdom price list. We will also pay reasonable fitting costs. We may make a monetary payment on this basis if such a part cannot be obtained.
We may use parts which are not made by the manufacturer of your vehicle, but are of equivalent type and quality to the parts we are replacing. This may include parts made from recycled materials.
3. Removal and delivery
If your car has been immobilised as a result of loss or damage covered under your policy, we will pay reasonable transport costs to take it to the nearest suitable repairer. We will also pay the reasonable cost of returning your car to you at the address shown in your Schedule after it has been repaired. We may put your car in safe storage, which we will arrange and pay for if we think storage is necessary, before it is sold
or taken for scrap.
4. Repairs
If damage to your car is covered under your policy and you choose to use our recommended repairer scheme, you do not need an estimate for the repairs, and work on your car can start as soon as practically possible.
Alternatively, you can arrange for reasonable and necessary repairs at a repairer of your choice but you must send us a detailed repair estimate and full details of the incident as soon as possible. We will only be
liable for the repair costs at a non-recommended repairer once we have agreed that the costs are reasonable and we have issued an authorisation to the repairer. We reserve the right to ask you to obtain alternative estimates.
If you decide not to use our recommended repairer then an additional excess of £200 will be applied. This excess will be in addition to any other excesses shown on your policy schedule.
5. Total loss of your car
If the settlement of a claim results in your car being treated as a total loss as a result of an accident, theft, fire, flood or malicious damage, we will reduce the claim payment by taking any part of the full premium
you owe us. When we have made the full claim payment on this basis, we will have met all our responsibilities to you under your policy and your car will become our property. Your policy will then be cancelled unless we agree otherwise, and we will not refund any of your premium. If you are paying by instalments your full annual premium remains payable unless we have deducted this from your claim settlement.
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Section 6: Using your car outside the United Kingdom
Using your car outside the United Kingdom
1. Cover at home and using your car abroad
The cover under your policy operates in the United Kingdom and during sea journeys between its constituent parts.
You also have the minimum cover you need by law to use your car 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).
Your vehicle must be registered in the UK and not be kept abroad for more than 180 days in a policy year.
This may provide less cover than you have in the UK and is usually equivalent to the Third Party Only cover available in the UK, with no cover for damage to your car.
If you ask us, we will provide you with an international motor insurance certificate (Green Card).
2. If you want full policy cover abroad
In return for any extra premium we may require and an administration fee, we will extend the level of cover provided by your policy and shown on your Schedule under sections 1 to 7, to named countries in Europe,
and certain other countries outside Europe, and give you an international motor insurance certificate (Green Card). Your car will also be covered while being carried by a recognised carrier between or within those
countries during the period shown in the Green Card.
3. Customs duty
If you have to pay customs duty on your car in any of the countries shown in your Green Card because of loss or damage covered under your policy and we decide not to repatriate your car, we will pay these costs
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No claim discount protection for life
Your Schedule will show if you have this benefit.
For an additional premium, you can opt to retain your no claim discount for the life of your policy. This means that your no claim discount will remain protected and will not be stepped back as a direct result of any claims you have, provided your policy remains in force and you continue to be eligible for this benefit.
No claim discount protection can only be added to your policy at the start of the period of cover.
This benefit only applies to your no claim discount - it does not protect the premium you pay and we may take account of claims when calculating your premium.collapse

No claim discount protection for life
Your Schedule will show if you have this benefit.
For an additional premium, you can opt to retain your no claim discount for the life of your policy. This means that your no claim discount will remain protected and will not be stepped back as a direct result of any claims you have, provided your policy remains in force and you continue to be eligible for this benefit.
No claim discount protection can only be added to your policy at the start of the period of cover.
This benefit only applies to your no claim discount - it does not protect the premium you pay and we may take account of claims when calculating your premium.collapse