AA Motorcycle Insurance

Section V - Continental Use/Compulsory Insurance Requirements
In compliance with EU Directives this policy provides as a minimum the necessary cover to comply with the laws on compulsory insurance of motor vehicles in:
-any country which is a member of the European Union
-any country which the Commission of the European Communities is satisfied has made arrangements to meet the requirements of Article 7 [2] of EC Directive 72/166/CEE relating to civil liabilities arising from the use of a motor vehicle. In addition to this minimum cover the policy provides the cover shown in the schedule in any country in the territorial limits subject to:
-your motorcycle being normally kept in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man; and
-your visits to countries outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man being of a temporary nature not exceeding one month in any one trip.
Cover Includes
- transit by sea air or rail in or between countries within the territorial limits.
- reimbursement of any customs duty you may have to pay after temporarily importing your motorcycle into any country within the territorial limits subject to your liability arising as a direct result of a claim covered under this policy.
- general average contributions. Salvage charges and sue and labour charges whilst your motorcycle is being transported by sea between any countries within the territorial limits provided that your motorcycle is covered for loss or damage under this policy.
If You Take Your Motorcycle Abroad
All countries within the territorial limits have agreed that a Green Card is not necessary for cross border travel. Your certificate of motor insurance should therefore provide sufficient evidence that you are complying with the laws on the compulsory insurance of motor vehicles in any of these countries that you visit. There is no cover for countries outside the territorial limits. We may however be prepared to extend cover to certain of these countries on request in which case we will provide you with a Green Card and an additional premium will be charged.

Section V - Continental Use/Compulsory Insurance Requirements
In addition to this minimum cover the policy provides the cover shown in the schedule in any country in the territorial limits subject to:
- your motorcycle being normally kept in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man; and
- your visits to countries outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man being of a temporary nature not exceeding one month in any one trip.

Exceptions to Section I
We shall not be liable to pay for
f. Loss of or damage to helmets and protective clothing and other personal belongings.

Section I - Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts while thereon.
Exceptions to Section I
We shall not be liable to pay for
a. Loss of use, consequential loss, depreciation, wear and tear, mechanical, electrical or electronic faults, breakdowns or malfunctions or breakages.
b. Damage to tyres by application of brakes or by punctures cuts or bursts.
c. Loss or damage to accessories and spare parts by theft if the motorcycle is not stolen at the same time.
d. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
e. The first amount of any sum otherwise payable in respect of each and every occurrence of loss or damage to any motorcycle described in the schedule in accordance with the following :
Motorcycle Group Rating    Amount
1 to 4      £100
5 to 13      £150
14 to 16      £250
17+      £500
For details of the group rating of your motorcycle please refer to your policy schedule .
f. Loss of or damage to helmets and protective clothing and other personal belongings.
g. Loss of value following or because of repair.
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle .
i. Loss of your motorcycle by deception of someone who claims to be a buyer or agent.

Section I - Loss of or Damage to Your Motorcycle
If to our knowledge the motorcycle is the subject of a hire purchase or leasing agreement such payment shall be made to the owner described therein whose receipt shall be a full and final discharge to us in respect of such loss or damage. The maximum amount payable by us in respect of any claim for loss or damage shall be the market value of such motorcycle or the cost of repair whichever is less, immediately prior to such loss or damage but not exceeding your estimate of value shown in our records.

Section I - Loss of or Damage to Your Motorcycle
If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers.We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands state herein.

Section I - Loss of or Damage to Your Motorcycle
If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers.We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands state herein.

An endorsement would be applied excluding this cover if placed with an underwriter that does not provide it.
New Motorcycle Replacement
We will replace your motorcycle with a new motorcycle of the same make and specification (subject to availability) if, within 6 months of purchase new by you:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT) at the time of purchase; or
- your motorcycle is stolen and not recovered.
Replacement is Subject to :
- your motorcycle being owned by you or having been purchased under a hire purchase agreement (any motorcycle the subject of any type of leasing or contract hire agreement is not eligible for replacement). - the agreement of any interested hire purchase company.
- you being the first registered owner of your motorcycle.

New Motorcycle Replacement
We will replace your motorcycle with a new motorcycle of the same make and specification (subject to availability) if, within 6 months of purchase new by you:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT) at the time of purchase; or
- your motorcycle is stolen and not recovered.

Exceptions to Section I
We shall not be liable to pay for
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle.

How to pay
AA Motorcycle Insurance offer several ways for you to pay for your motorcycle insurance, via the telephone or online to ensure maximum convenience for our policyholders. Payment in full can be made by credit/debit card over the telephone or for immediate cover payment can be made online on our secure server. Direct Debit schemes are available to split your premium into 10 easy monthly payments. An initial deposit is taken followed by 9 monthly instalments. To pay by Direct Debit an initial deposit is calculated and taken by credit/debit card online or via the telephone or a cheque in the post and a direct debit is then set up from your bank account for the remaining 9 monthly payments. There is a charge for paying in instalments, our current rate is 34.7% APR Typical We are unable to provide Direct Debit schemes for policyholders under 18 years of age (subject to status) or where the total insurance premium is less than £100.00. We accept the following methods of payment: Visa,Delta,Mastercard,Switch,Solo.

Cost breakdown
Depending on how you choose to pay will affect the cost of your policy:
-Paying the full amount with a debit/credit card incurs no additional cost.
-Paying by Direct Debit requires a deposit to be paid by debit/credit card to us including a £10 administration fee. The remaining amount incurs a 13% charge (34.7% APR Typical (variable)) and can be paid by Direct Debit over 9 monthly instalments and will require a credit agreement being set up. Credit is provided, subject to status, by Premium Credit House, 60 East Street, Epsom, Surrey, KT17 1HB. To be eligible for credit you must be over 18 and the premium must be at least £99.99.

Commission
Once the policy has been set up in accordance with your instructions, we will retain that part of the quoted premium that represents our commission, regardless of any specific changes or cancellation that you request. This applies if you cancel prior to cover taking effect (except where cancellation has been requested under the Cooling Off Rules). Additionally, if we undertake processing work in making a mid-term change or canceling the policy we may make an administration commission charge to cover the work involved in changing your policy on behalf of your insurer. This commission charge will be up to twenty five pounds (plus Insurance Premium Tax) for all mid-term changes. These amounts are in addition to any charge imposed by your insurer.

Cancellation
1. In addition to your rights under the Cooling Off Period, you also have the right to cancel your policy at any time during the period of cover. If you wish to cancel your policy, you must send us your current certificate of motor insurance with a letter saying that you want to cancel your policy. It is important to remember that cancelling your direct debit does not cancel your policy. We, the insurer or any agent appointed by us and acting with our specific authority may cancel this policy by sending you a 7 day notice of cancellation to your last known address (and in the case of Northern Ireland to the DVLNI). Provided that no claim has occurred during the current period of insurance we will calculate the premium for the period that we have been insuring you and refund any balance. If your policy contains any additional covers, for example, legal expenses and/or motor breakdown cover then these and our commission will be excluded from any refund calculations. Any refund of premium due would depend on how long the insurance has been in force and is calculated in accordance with the Insurers published scales, which are available on request. No refund will be allowed if a claim has been made or has arisen under this insurance prior to such cancellation during the current period of insurance.
2. If you are paying the premium in relation to this insurance in monthly instalments by direct debit mandate, under the terms of a Credit Agreement this Insurance Contract automatically terminates if you fail to pay an instalment when due, or fail to maintain the direct debit mandate and such default is not corrected in the period specified in the default notice served pursuant to Section 88 (1) of the Consumer Credit Act 1987 (the notice period), and you fail to pay the whole of the outstanding balance then becoming due and payable within 7 days of the expiry of the notice. It is a further condition of this policy that if you make a claim then any balance of the premium outstanding for the remainder of the period of insurance becomes due and payable in full.

Commission
Once the policy has been set up in accordance with your instructions, we will retain that part of the quoted premium that represents our commission, regardless of any specific changes or cancellation that you request. This applies if you cancel prior to cover taking effect (except where cancellation has been requested under the Cooling Off Rules). Additionally, if we undertake processing work in making a mid-term change or canceling the policy we may make an administration commission charge to cover the work involved in changing your policy on behalf of your insurer. This commission charge will be up to twenty five pounds (plus Insurance Premium Tax) for all mid-term changes. These amounts are in addition to any charge imposed by your insurer. Any charges imposed by insurers will be subject to Insurance Premium Tax.Certain transactions attract charges for our services. Where applicable these are new business brokerage up to twenty five pounds, copy policy or duplicate documentation fifteen pounds, policy adjustments / alterations up to twenty five pounds, renewal transactions fifteen pounds. You will receive a quotation which will advise you of any fees relating to your insurance cover.Any charges imposed by insurers will be subject to Insurance Premium Tax.

Legal Expenses
In respect of any act causing or relating to any event which may be the subject of indemnity under this section we will arrange and pay for the following:
a. Solicitors services in respect of:
i. representation at any coroners inquest or fatal inquiry; and
ii. defending any proceedings in any Court of Summary Jurisdiction.
b. Legal services up to any amount not exceeding £1,000 in respect of any one occurrence for defence in the event of proceedings being taken for manslaughter or reckless or dangerous driving causing death provided that at the time of the occurrence the driver has attained the age of 21 years. We will only cover these legal costs if they relate to an incident, which is covered under this section.
Exceptions to Section II -
We shall not be liable in respect of
a. death of or bodily injury to any person arising out of and in the course of such persons employment by the person claiming to be indemnified under this section other than liability to such person:
i. carried in or upon; or
ii. entering or getting on to or alighting from any vehicle hereby insured and only in so far as is necessary to meet the requirements of the Road Traffic Acts.
b. Damage to property belonging to or held in trust by or in the custody or control of anyone we insure who claims under this section, and to property being conveyed by such motorcycle.
c. Any person insured under this section who fails to observe the terms exceptions and conditions of this policy as far as they can apply. The cover will also not apply if they can claim under another policy.
d. Damage to any motorcycle where cover in connection with the use or riding of that motorcycle is provided by this section.

Standard as part of the Uninsured Loss Recovery cover and is provided by DAS Legal Expenses Insurance Company Limited.
Section VII - Legal Protection Helpline Services
Eurolaw Personal Legal and Tax Advice Service we will give an insured person confidential legal advice over the phone on any personal legal problem under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway, or UK personal tax problem

Section I - Loss of or Damage to Your Motorcycle
If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers. We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands stated herein.

Section I - Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts while thereon.
Exceptions to Section I
We shall not be liable to pay for
a. Loss of use, consequential loss, depreciation, wear and tear, mechanical, electrical or electronic faults, breakdowns or malfunctions or breakages.
b. Damage to tyres by application of brakes or by punctures cuts or bursts.
c. Loss or damage to accessories and spare parts by theft if the motorcycle is not stolen at the same time.
d. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
e. The first amount of any sum otherwise payable in respect of each and every occurrence of loss or damage to any motorcycle described in the schedule in accordance with the following :
Motorcycle Group Rating    Amount
1 to 4      £100
5 to 13      £150
14 to 16      £250
17+      £500
For details of the group rating of your motorcycle please refer to your policy schedule .
f. Loss of or damage to helmets and protective clothing and other personal belongings.
g. Loss of value following or because of repair.
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle .
i. Loss of your motorcycle by deception of someone who claims to be a buyer or agent.

Section II - Liability to Third Parties
Indemnity to You
a. We will indemnify you in the event of an accident caused by or through or in connection with any motorcycle described in the schedule against liability at law for damages and claimants cost and expenses in respect of death of or bodily injury to any person, or any amount not exceeding £20,000,000 in respect of damage to any persons property. We will pay all costs and expenses incurred with our written consent.

Section V - Continental Use/Compulsory Insurance Requirements
If You Take Your Motorcycle Abroad
All countries within the territorial limits have agreed that a Green Card is not necessary for cross border travel. Your certificate of motor insurance should therefore provide sufficient evidence that you are complying with the laws on the compulsory insurance of motor vehicles in any of these countries that you visit. There is no cover for countries outside the territorial limits. We may however be prepared to extend cover to certain of these countries on request in which case we will provide you with a Green Card and an additional premium will be charged.

Cost breakdown
Depending on how you choose to pay will affect the cost of your policy:
-Paying the full amount with a debit/credit card incurs no additional cost.
-Paying by Direct Debit requires a deposit to be paid by debit/credit card to us including a £10 administration fee. The remaining amount incurs a 13% charge (34.7% APR Typical (variable)) and can be paid by Direct Debit over 9 monthly instalments and will require a credit agreement being set up. Credit is provided, subject to status, by Premium Credit House, 60 East Street, Epsom, Surrey, KT17 1HB. To be eligible for credit you must be over 18 and the premium must be at least £99.99.

NCB
This must be the no claims bonus that you are entitled to on your motorcycle only. Any other no claims bonus e.g. for your car is not to be entered. Confirmation of your No Claims Bonus (NCB) entitlement can be found on your renewal notice or cancellation schedule, alternatively by obtaining a letter from your previous insurer. If you were a named rider on someone else's policy or if you are insuring a second bike and not trading in your existing one your NCB entitlement would be zero. Until settled, on-going claims are classed as fault unless you have written liability from the third party's insurer. If settled in your favour your NCB would be re-instated and if applicable any monies due would be refunded. If you hold NCB accrued abroad, providing it is written in English please telephone 0870 608 8221 as we may be able to take this into consideration.

Varies depending on the underwriter.
Alarm immobiliser
All immobilisers listed are insurance industry approved and warrant a discount. Please select your alarm/immobiliser from the drop-down list provided. If you cannot find your alarm/immobiliser then please telephone 0870 608 8221 for assistance.

General Conditions - (covering all sections)
Your Duty to Prevent Loss or Damage
You shall take all reasonable steps to safeguard from loss or damage any motorcycle described in the schedule and to ensure that any such motorcycle is in a roadworthy condition. We shall have at all times free access to examine your motorcycle or any motorcycle hired to you under a hire purchase agreement.
Arbitration
Where we have accepted a claim and there is disagreement over the amount to be paid the dispute must be referred to an arbitrator to be agreed between you and us in accordance with the law at the time. When this happens a decision must be made before you can take any legal action against us. Your Duty to Comply with Policy Conditions Without prejudice to our rights your observance and fulfilment of the terms provisions and conditions of this policy and of any endorsement thereon in so far as they relate to anything to be done or complied with by you shall be conditions precedent to our liability to make any payment under this policy.
Cooling-Off Period
You will, for a period of 14 days from the date you receive your policy documentation or the date you enter into the contract (whichever is later), have a right to cancel this policy and receive a refund (unless you have made a total-loss claim). This refund will be subject to a charge for the period of cover you have received, plus our reasonable administration charges. If cover has not commenced, you will be entitled to a full refund of the premium that you have paid. In order to cancel your policy within this period you must write to us confirming your intentions and, for vehicle insurance, enclosing your certificate of motor insurance.
Cancellation
1. In addition to your rights under the Cooling Off Period, you also have the right to cancel your policy at any time during the period of cover. If you wish to cancel your policy, you must send us your current certificate of motor insurance with a letter saying that you want to cancel your policy. It is important to remember that cancelling your direct debit does not cancel your policy. We, the insurer or any agent appointed by us and acting with our specific authority may cancel this policy by sending you a 7 day notice of cancellation to your last known address (and in the case of Northern Ireland to the DVLNI). Provided that no claim has occurred during the current period of insurance we will calculate the premium for the period that we have been insuring you and refund any balance. If your policy contains any additional covers, for example, legal expenses and/or motor breakdown cover then these and our commission will be excluded from any refund calculations. Any refund of premium due would depend on how long the insurance has been in force and is calculated in accordance with the Insurers published scales, which are available on request. No refund will be allowed if a claim has been made or has arisen under this insurance prior to such cancellation during the current period of insurance.
2. If you are paying the premium in relation to this insurance in monthly instalments by direct debit mandate, under the terms of a Credit Agreement this Insurance Contract automatically terminates if you fail to pay an instalment when due, or fail to maintain the direct debit mandate and such default is not corrected in the period specified in the default notice served pursuant to Section 88 (1) of the Consumer Credit Act 1987 (the notice period), and you fail to pay the whole of the outstanding balance then becoming due and payable within 7 days of the expiry of the notice. It is a further condition of this policy that if you make a claim then any balance of the premium outstanding for the remainder of the period of insurance becomes due and payable in full.
Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends upon the type of business and the circumstances of the claim. For claims against insurers, the first £2,000 of an insurance claim is covered in full, plus 90% of the balance. For compulsory classes of insurance, insurance arranging is covered for 100% of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS by telephoning 020 7892 7300 or www.fscs.org.uk.
Other Insurance
If at the time any claim arises under this policy there is any other existing insurance covering the same loss, damage or liability in respect of your motorcycle or any motorcycle hired to you under a hire purchase agreement we shall not be liable to pay or to contribute more than our rateable proportion of any loss damage compensation costs or expense. This provision will not place any obligation upon us to accept any liability under section II which we would otherwise be entitled to exclude under Exception I to section II.
Fraud
If any claim is in any respect fraudulent or if any fraudulent means including inflation or exaggeration of the claim or submission or forged or falsified documents are used to obtain benefit by you or anyone acting on your behalf all benefits under the policy shall be forfeited. We exchange information with other insurers through various databases in order to consider offering insurance, and on what terms and to prevent fraudulent claims.

FEATURES, BENEFITS AND GENERAL EXCLUSIONS OR LIMITATIONS
Garaging.. Refer to your Policy Schedule Theft cover will not apply, if the insured bike is subject to theft, attempted theft or malicious damage within half a mile radius of the agreed garaging address, between 10.00pm and 07.00am and the bike was not garaged at the time of the incident.

Section I - Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts
while thereon. We may at our own option repair reinstate or replace such motorcycle or any part thereof or its accessories or spare parts or may pay in cash the amount of the loss or damage. If to our knowledge the motorcycle is the subject of a hire purchase or leasing agreement such payment shall be made to the owner described therein whose receipt shall be a full and final discharge to us in respect of such loss or damage. The maximum amount payable by us in respect of any claim for loss or damage shall be the market value of such motorcycle or the cost of repair whichever is less, immediately prior to such loss or damage but not exceeding your estimate of value shown in our records. If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers. We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands stated herein
New Motorcycle Replacement
We will replace your motorcycle with a new motorcycle of the same make and specification (subject to availability) if, within 6 months of purchase new by you:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT) at the time of purchase; or
- your motorcycle is stolen and not recovered.
- your motorcycle being owned by you or having been purchased under a hire purchase agreement (any motorcycle the subject of any type of leasing or contract hire agreement is not eligible for replacement).
- the agreement of any interested hire purchase company.
- you being the first registered owner of your motorcycle.
Exceptions to Section I
We shall not be liable to pay for
a. Loss of use, consequential loss, depreciation, wear and tear, mechanical, electrical or electronic faults, breakdowns or malfunctions or breakages.
b. Damage to tyres by application of brakes or by punctures cuts or bursts.
c. Loss or damage to accessories and spare parts by theft if the motorcycle is not stolen at the same time.
d. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
e. The first amount of any sum otherwise payable in respect of each and every occurrence of loss or damage to any motorcycle described in the schedule in accordance with the following:
Motorcycle Group Rating  Amount 
1 to 4    £100
5 to 13    £150
14 to 16    £250
17+    £500
For details of the group rating of your motorcycle please refer to your policy schedule.
f. Loss of or damage to helmets and protective clothing and other personal belongings.
g. Loss of value following or because of repair.
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle.
i. Loss of your motorcycle by deception of someone who claims to be a buyer or agent.