igo4 Car Insurance (Comprehensive)

Your Car - Fire, Theft or Attempted Theft
WHAT IS COVERED
We will pay for loss of or damage to Your Car, and its accessories and spare parts while they are fixed to or in it or on it or in Your private garage, caused by fire, theft, or attempted theft. Loss of or damage to
Your Car under this part of the policy is covered whilst Your Car is with a member of the motor trade for its upkeep, overhaul or repair.
If Your Car is undrivable as the result of damage covered by this part of the policy We will pay the reasonable cost of taking it from the scene of the incident to the nearest competent repairer. If You use a repairer
recommended by Us, You will be provided with a courtesy car whilst yours is being repaired. This will be subject to availability.
After repairs We will pay the reasonable cost of delivering it to Your address in the United Kingdom.
If You want, We will replace Your Car with a new car of the same make, model and specification if:
- You are the first registered keeper of the car; and
- Your Car is under 12 months old at the time of the loss; and either
- Your Car is stolen and not recovered within 28 days of You telling Us about the theft; or
- the damage estimated by Us is more than 60% of the current list price.
If We do replace Your Car, Your old car will belong to Us.
If the exact model of Your Car is not available, We will pay You instead as shown in the part What do We pay? on page 7. We will pay up to £150 for loss or damage to audio or radio equipment, after taking off Your Excess. If this equipment forms part of the original vehicle specification and was fitted by the manufacturer or the manufacturers approved dealer, the amount of cover is unlimited after taking off Your Excess. If Your Schedule shows that you have the igo4value product We will not pay for loss of or damage to any audio or radio equipment fitted to Your Car.
WHAT IS NOT COVERED
We will not pay for any of the following:
- the Excess of every claim made under this part unless at the time of the loss or damage Your Car was in a locked garage which has been subjected to forcible and violent entry or exit;
- loss of value, wear and tear, or mechanical, electrical, electronic or computer failure or breakdown;
- loss of use of Your Car;
- loss of or damage to your vehicle as a result of legal repossession.
- theft, or attempted theft, if Your Car keys are left in or on Your Car.
- any loss or damage caused by theft or attempted theft if the security system fitted to your vehicle at the time of the loss was not activated and working properly. All keys used to activate/deactivate the alarm/immobiliser fitted to your car must be submitted to your insurer with the claim form.
- theft, or attempted theft, that involves somebody lying to get Your Car.
- any reduction in the value of Your Car as a result of it having been repaired.
- any extra costs caused by the parts or replacements not being available in the United Kingdom.
- confiscation or requisition or destruction by or under order of any Government or Public or Local Authority.
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Your Car - Accidental Damage
WHAT IS COVERED
We will pay for accidental damage to Your Car and its accessories and spare parts while they are fixed to it or in it or in Your private garage, which is not caused by fire, theft or attempted theft. Loss of or damage to Your Car under this Part of this Policy is covered whilst Your Car is with a member of the motor trade for its upkeep, overhaul or repair.
If Your Car is undrivable as the result of damage covered by this part of the Policy We will pay the reasonable cost of taking it from the scene of the incident to the nearest competent repairer. if you use a repairer
recommended by us You will be provided with a courtesy car whilst yours is being repaired. This will be subject to availability.
After repairs We will pay the reasonable cost of delivering it to Your address in the United Kingdom.
If You want, We will replace Your Car with a new car of the same make, model and specification if:
- You are the first registered keeper of Your Car; and
- Your Car is under 12 months old at the time of the loss; and
- Your Car suffers damage estimated by Us which is more than 60% of the current list price.
If We do replace Your Car, Your old car will belong to Us. If the exact model of car is not available, We will pay You instead as shown in the part 'What do We pay? on page 8.
We will pay up to £150 for loss or damage to audio or radio equipment, after taking off Your Excess. If this equipment forms part of the original vehicle specification and was fitted by the manufacturer or the manufacturers approved dealer, the amount of cover is unlimited after taking off Your Excess. If Your Schedule shows that you have the igo4value product We will not pay for loss of or damage to any audio or radio equipment fitted to Your Car.
WHAT IS NOT COVERED
We will not pay for any of the following:
- the total Excess shown on Your Schedule;
- loss of value, wear and tear, mechanical, electrical, electronic or computer failure or breakdown;
- loss of use of Your Car;
- damage that occurs if the car keys are left in or on Your Car;
- damage to tyres by braking, punctures, cuts or bursts;
- any reduction in the value of Your Car as a result of it having been repaired;
- any extra cost caused by the parts or replacements not being available in the United Kingdom;
- confiscation or requisition or destruction by or under order of any Government or Public or Local Authority.collapse

Personal Belongings
WHAT IS COVERED
We will pay You, or at Your request the owner of the property, up to £100 for clothing and personal belongings if they are stolen or damaged while they are in Your Car.
WHAT IS NOT COVERED
We will not pay for any of the following:
- money, stamps, tickets, documents or securities;
- goods, samples or any equipment carried in connection with any trade or business;
- property insured under any other contract of insurance;
- theft of items carried in an open or convertible car, unless kept in a locked boot.collapse

We will pay up to £150 for loss or damage to audio or radio equipment, after taking off Your Excess. If this equipment forms part of the original vehicle specification and was fitted by the manufacturer or the manufacturers approved dealer, the amount of cover is unlimited after taking off Your Excess.collapse

We will pay up to £150 for loss or damage to audio or radio equipment, after taking off Your Excess. If this equipment forms part of the original vehicle specification and was fitted by the manufacturer or the manufacturers approved dealer, the amount of cover is unlimited after taking off Your Excess.collapse

Optional Cover Available
Key Cover - £16.50
Benefits
- £1,500 annual cover for locksmiths charges, new locks and keys, car hire and onward transport costs.
- The re-programming of immobilisers, infra-red handsets and alarms is also covered.
- Any key attached to the fob is covered.
- There is NO excess payable.
- There is no limit to the number of claims you may make.
- £10 reward payable to the finder of your keys.
- 24 hour 365 days a year Emergency Helpline.
- You can claim on this policy without affecting your "No Claims Bonus" on your other insurance policies.collapse

Repair or replacement of glass
WHAT IS COVERED
If breakage of glass in windscreen, glass sunroof and windows is covered by Your policy We will also pay for damage to the paintwork of Your Car caused by broken glass. If no other damage has happened, the
claim will not affect Your no claim discount.
Glass replacement/repair
RAC Auto Windscreens Ltd
Freephone 24 hours
Tel: 0800 587 6831
If RAC Auto Windscreens replace the glass, cover is unlimited and You pay only the Excess. If RAC Auto Windscreens repair the glass, cover is unlimited and You do not have to pay any Excess.
WHAT IS NOT COVERED
We will not pay:
- the Excess;
- more than £150, after taking off Your Excess, if the windows, glass sunroof or windscreens are replaced by any company other than RAC Auto Windscreens.collapse

Territorial Limits and Green Cards
Where your cover applies
The cover shown on the Schedule to this policy applies throughout the United Kingdom and when Your Car is in transit within the United Kingdom or between ports in the United Kingdom.
In addition this policy gives the minimum cover required by law to use Your Car in:
- any country which is a member of the European Union (EU);
- any other country which the Commission of the European Union approves as meeting the requirements of Article 7(2) of the European Union Directive on Insurance and Civil Liabilities arising from the use of motor vehicles (No.72/166/CEE).
Please call the Administrator for clarification.
Travelling abroad
what to do
If You are going to use Your Car abroad and want Your full policy cover, contact the Administrator to confirm the dates You will be travelling and the countries You will be visiting.
If You intend to tow a caravan or other trailer please have details to hand as they may need to be shown on the Green Card that We may need to issue.
When We send You a Green Card We will extend your policy cover for foreign travel for up to 90 days in any one Period of Insurance.
We will make an administrative charge for each Green Card or confirmation that the policy cover has been extended.
We will also provide cover while Your Car is being transported by rail, air, inland waterway, the Channel Tunnel or by a recognised sea route to any country where this insurance operates and the journey time
does not normally exceed 65 hours.
If Your Car becomes undrivable as a result of loss or damage covered by this policy We will also pay the reasonable cost of delivering it to Your address in the United Kingdom.
We will also pay customs duty if Your Car is damaged and We decide not to return it to this country after You make a claim on Your Contract.collapse

No Claim Discount
If nobody has made a claim against this policy during the current insurance year, We will give You a discount according to the current scale at the time of renewal of this policy.
If We make a payment that You cannot get back from another person, We will reduce Your no claim discount even if You were not to blame.
No claim discount will be reduced in accordance with the Insurer scale applicable at such a time and shown on the Schedule.
Your no claim discount will not be affected in the following circumstances:
- if You only claim for a broken windscreen or windows;
- if We only have to pay an emergency medical treatment fee.
You cannot transfer Your no claim discount to someone else.
If more than one car is insured under this document, We will treat each car separately for the purpose of Your no claim discount.collapse