Aviva Premier Bike

Section 4 - 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/EEC 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
- use of your motorcycle for visits to countries outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man being of a temporary nature, not exceeding three months in any one trip.
Cover includes:
- transit between countries within the territorial limits
- reimbursement of any customs duty you may have to pay on your motorcycle after its temporary importation into any country within the territorial limits, subject to your liability arising as a direct result of
any loss of or damage to your motorcycle which is covered under Section 1 - Loss of or Damage to Your Motorcycle
- General Average contributions, Salvage, Sue and Labour charges while your motorcycle is being transported by sea between any countries within the territorial limits, provided that loss or damage to your motorcycle is covered under Section 1 of this policy.
If you take your motorcycle abroad
All countries have agreed that a Green Card is not necessary for cross border travel. Your certificate of motor insurance provides sufficient evidence that you are complying with the laws on the minimum compulsory insurance of motor vehicles in any of these countries that you visit.
If, however, you contact your insurance adviser at least two weeks before departure, he/she will be able to provide you with our 'Driving on the Continent booklet. This booklet contains useful information on driving
abroad, what to do and who to contact in the event of an accident and statements in the main European languages for presentation to the police or other officials confirming that you have valid insurance to ride in their countries.
There is no cover for countries outside the territorial limits. We may, however, be prepared to extend cover to certain countries on request, in which case we will provide you with a Green Card and an additional premium will be required.collapse

Section 6 - Bike Gold
Cover under this section is provided by RAC.
This section operates if you have selected Bike Gold cover as indicated in your schedule.
(1) Breakdown cover in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man The following cover is provided in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man by RAC for
you or any permitted rider.
If your motorcycle or a trailer being towed by it breaks down, ring the Clubline. RAC will arrange for the following at no additional cost:
- someone to come out and help. If your motorcycle cannot be repaired immediately it will be taken to a nearby garage or a closer one of your choice where you can arrange for repairs to be made
- onward transportation, if your motorcycle is away from home and cannot be repaired within a reasonable time. This will apply to the permitted rider, your motorcycle, any passengers and any trailer on tow
at the time, to the destination of the permitted riders choice, in one nonstop journey. This facility may also be provided if the rider falls ill and there are no passengers that can ride your motorcycle so that the journey cannot be completed. In these circumstances it will be at the discretion of RAC whether this service is offered. Some form of medical certification will be required
- assistance if your motorcycle will not start while parked at home. If your motorcycle cannot be repaired immediately it will be taken to a nearby garage.
(2) Breakdown cover in the rest of the Territorial Limits
The following cover is provided by RAC in the territorial limits of the policy excluding Great Britain, Northern Ireland, the Channel Islands or the Isle of Man for you or any permitted rider.
If we have agreed to an extension of the territorial limits, the breakdown cover outlined above is extended to apply to these countries, but only for the period that we have agreed to extend such territorial limits. If your motorcycle or a trailer being towed by it breaks down, RAC will arrange for the following:
- emergency roadside assistance up to a maximum of £175 (not including the cost of any parts). If your motorcycle cannot be repaired immediately it will be taken to a nearby garage. In the event of breakdown we will pay either:
- a contribution towards labour charges if it is possible to repair your motorcycle to enable you to continue your journey on the same day, or
- inspection fees to confirm your motorcycle cannot be repaired by your return travel date
- onward transportation, if your motorcycle is away from home and cannot be repaired within a reasonable time. This will apply to the rider, your motorcycle, any passengers and any trailer on tow at the time, to the destination of the riders choice, in one non-stop journey
- repatriation of your motorcycle to your home address or your nominated repairer in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man, if your motorcycle cannot be repaired before the end of your holiday period, subject to the cost of the repatriation not exceeding the market value of your motorcycle
- passing an urgent message from our control centre to your relatives or a close business colleague if your motorcycle cannot be moved as it has broken down, been in an accident, damaged by fire or theft
- if your motorcycle cannot be reasonably repaired as a result of fire or theft which has happened abroad during the journey and it has to be scrapped under Customs supervision in the country where it is situated, or it has been stolen abroad during the journey and has not been found, we will pay indemnity against Continental or Irish Customs claims for any liability for duty claimed. This does not include any import duties that do not relate to your motorcycle. Whilst you are abroad RAC may, at its discretion, offer you or any permitted rider:
- overnight accommodation expenses for the permitted rider and passengers up to £35 per person per day, subject to an overall maximum of £105 in total. This does not include, however, the costs of meals or drinks
- if you are intending to camp but your tent is stolen or accidentally damaged so that you cannot use it, we will pay up to £35 per person each day towards accommodation expenses to a total of £105 or, in
certain circumstances, authorise the cost of a replacement tent. This does not include any damage to your tent caused by weather conditions, or any costs if your tent was stolen and you do not get a police report. Breakdown and accident assistance will not cover:
- the cost of any ferry crossings or toll charges
- the cost of recovery of your motorcycle if it is stuck in water, a bog, a ditch or on a beach or it has been overturned unless this forms part of a claim under Section 1 of the policy
- the cost of spare parts, petrol, oil, ignition keys or other materials and garage labour
- any motorcycle that cannot be recovered by normal trailers or transporters
- breakdown cover due to lack of oil or water, frost damage, rust or corrosion, unserviceable/ unroadworthy tyres
- any costs arising from an accident not reported to our control centre
- the cost of any meals or any other extra hotel costs
- any motorcycle which is carrying a dangerous or illegal load.
In providing breakdown assistance RAC employees and contractors will use reasonable care and skill when providing the service. RAC can, however, cancel services or refuse to provide them if, in their opinion the
demands made are excessive, unreasonable or impractical.
We will provide emergency assistance by one of our contractors in the event of motorcycle breakdown, accident, fire or theft, or when the only qualified rider is unfit to ride. This cover applies in any country within the territorial limits or any other country where we have agreed to an extension of cover and have issued you with a Green Card.
Every effort is made to ensure a quality service is provided in Eastern European countries but this may not necessarily be the same standard as in Western Europe. The situation varies from country to country but time delays may occur, telephones are sometimes not available, garage facilities may be inadequate, spare parts are often not available, etc. You should also be aware that unleaded fuel may not be widely available.
Remember: Always carry all documentation when riding and never leave in, or on, an unattended motorcycle.
Telephone Numbers
If you are unfortunate enough to require Breakdown & Accident Assistance, please use these telephone numbers:
Calls from outside the UK:
(00 44) 161 866 4114
Calls from within the UK:
0800 678 999
Once your details have been taken, one of our Incident Managers will ring you back, if possible, and explain the appropriate action for your circumstance.collapse

(2) Breakdown cover in the rest of the Territorial Limits
The following cover is provided by RAC in the territorial limits of the policy excluding Great Britain, Northern Ireland, the Channel Islands or the Isle of Man for you or any permitted rider.
If we have agreed to an extension of the territorial limits, the breakdown cover outlined above is extended to apply to these countries, but only for the period that we have agreed to extend such territorial limits. If your motorcycle or a trailer being towed by it breaks down, RAC will arrange for the following:
- emergency roadside assistance up to a maximum of £175 (not including the cost of any parts). If your motorcycle cannot be repaired immediately it will be taken to a nearby garage. In the event of breakdown we will pay either:
- a contribution towards labour charges if it is possible to repair your motorcycle to enable you to continue your journey on the same day, or
- inspection fees to confirm your motorcycle cannot be repaired by your return travel date
- onward transportation, if your motorcycle is away from home and cannot be repaired within a reasonable time. This will apply to the rider, your motorcycle, any passengers and any trailer on tow at the time, to the destination of the riders choice, in one non-stop journey
- repatriation of your motorcycle to your home address or your nominated repairer in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man, if your motorcycle cannot be repaired before the end of your holiday period, subject to the cost of the repatriation not exceeding the market value of your motorcycle
- passing an urgent message from our control centre to your relatives or a close business colleague if your motorcycle cannot be moved as it has broken down, been in an accident, damaged by fire or theft
- if your motorcycle cannot be reasonably repaired as a result of fire or theft which has happened abroad during the journey and it has to be scrapped under Customs supervision in the country where it is situated, or it has been stolen abroad during the journey and has not been found, we will pay indemnity against Continental or Irish Customs claims for any liability for duty claimed. This does not include any import duties that do not relate to your motorcycle. Whilst you are abroad RAC may, at its discretion, offer you or any permitted rider:
- overnight accommodation expenses for the permitted rider and passengers up to £35 per person per day, subject to an overall maximum of £105 in total. This does not include, however, the costs of meals or drinks
- if you are intending to camp but your tent is stolen or accidentally damaged so that you cannot use it, we will pay up to £35 per person each day towards accommodation expenses to a total of £105 or, in
certain circumstances, authorise the cost of a replacement tent. This does not include any damage to your tent caused by weather conditions, or any costs if your tent was stolen and you do not get a police report. Breakdown and accident assistance will not cover:
- the cost of any ferry crossings or toll charges
- the cost of recovery of your motorcycle if it is stuck in water, a bog, a ditch or on a beach or it has been overturned unless this forms part of a claim under Section 1 of the policy
- the cost of spare parts, petrol, oil, ignition keys or other materials and garage labour
- any motorcycle that cannot be recovered by normal trailers or transporters
- breakdown cover due to lack of oil or water, frost damage, rust or corrosion, unserviceable/ unroadworthy tyres
- any costs arising from an accident not reported to our control centre
- the cost of any meals or any other extra hotel costs
- any motorcycle which is carrying a dangerous or illegal load.
In providing breakdown assistance RAC employees and contractors will use reasonable care and skill when providing the service. RAC can, however, cancel services or refuse to provide them if, in their opinion the
demands made are excessive, unreasonable or impractical.
We will provide emergency assistance by one of our contractors in the event of motorcycle breakdown, accident, fire or theft, or when the only qualified rider is unfit to ride. This cover applies in any country within the territorial limits or any other country where we have agreed to an extension of cover and have issued you with a Green Card.
Every effort is made to ensure a quality service is provided in Eastern European countries but this may not necessarily be the same standard as in Western Europe. The situation varies from country to country but time delays may occur, telephones are sometimes not available, garage facilities may be inadequate, spare parts are often not available, etc. You should also be aware that unleaded fuel may not be widely available.
Remember: Always carry all documentation when riding and never leave in, or on, an unattended motorcycle.
Telephone Numbers
If you are unfortunate enough to require Breakdown & Accident Assistance, please use these telephone numbers:
Calls from outside the UK:
(00 44) 161 866 4114
Calls from within the UK:
0800 678 999collapse

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Section 5 - No Claim Discount
If no claim is made under your policy during the period of insurance, we will increase your no claim discount at your next renewal in line with the scale we apply at the time.
Where you have made a claim, we may reduce your no claim discount in line with the scale we apply at that time.
If a claim is made which is not your fault and we have to make a payment, we will reduce your no claim discount except where we can recover all sums we have paid from those responsible, unless:
- the accident was not your fault and the driver who caused it was uninsured
- you have protected your no claim discount as shown in your schedule If your renewal is due and investigations into a claim are still on-going, we may reduce your no claim discount. Once our investigations are complete and we have confirmed that the accident was solely the fault of another driver, we will restore your no claim discount and refund any extra premium you have paid.
We do not grant no claim discount for policies running for less than twelve months. If we allow you to transfer this policy to another person, any no claim discount you have already earned will not apply to the person to whom the policy is being transferred.
No Claim Discount (NCD)

NCD	Comp	TPF&T	TPO
0	0%	0%	0%
1 -27% -27% -27%
2-33% -33% -33%
3-41% -41% -41%
4 -49% -49% -49%
5 -60% -60% -60%

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Section 7 - Personal Gold
This section operates if you have selected Personal Gold cover as indicated in your policy schedule.
Personal Effects
Where a crash helmet, clothing or personal effects are lost or damaged as a result of an incident where there is a claim for loss or damage under Section 1 of the policy we will pay you or any permitted rider up to £250.
We will not pay for:
- money, stamps, tickets, documents or securities
- goods or samples carried in connection with any trade or business.collapse