BMW Insurance BMW Motorrad Insurance

Welcome to BMW Motorrad Insurance
BMW Motorrad Insurance is underwritten by The National Insurance and Guarantee Corporation Limited, trading name NIG. Registered Office: Crown House, 145 City Road London EC1V 1LP Registered in England and Wales number 42133. NIG is authorised and regulated by the Financial Services Authority. Their FSA register number is 202263 and their permitted business is selling and administering contracts of General Insurance. NIG conducts its business from the United Kingdom.

Section 9 Travelling Abroad
Travelling abroad - 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.
NB: The relevant countries change from time to time. BMW Motorrad Insurance can tell you the current list of eligible countries.
In addition to this minimum cover, the policy provides the cover shown in the policy 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 92 days 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 within any countries within the Territorial Limits, provided that your motorcycle is covered for loss or damage under this policy.

Section 7 - Clothing and personal belongings
Your insurer will pay for loss of, or damage to, crash helmets, clothing and personal belongings if they are lost or damaged because of an incident for which you are making a claim under Section 1 - Loss of or Damage to your Motorcycle.
- the most your insurer will pay for any one incident is £1,000.
- if you ask your insurer to pay someone else, they will have no further responsibility to you once they have done so.
Exceptions to Section 7
The cover under this section will not apply:
1. to loss or damage to money, credit or debit cards, stamps, tickets, vouchers, documents, securities, or to goods or samples carried in connection with any trade or business.
2. to loss or damage to property insured under any other policy.
3. to theft, unless the motorcycle is stolen at the same time.
4. unless you take all reasonable steps to protect your crash helmet, clothes or personal belongings from loss or damage.

Section 1 Loss of or damage to your motorcycle
Section 1
Loss of or damage to your motorcycle If your motorcycle is lost, stolen or damaged, your insurer will, at their option, either:
-pay for your motorcycle to be repaired; or
-replace your motorcycle; or
-pay in cash the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle. The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records. If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.
Accident recovery
If your motorcycle is disabled through loss or damage insured under this policy, your insurer will pay:
-the reasonable cost of protection and removal to the nearest appropriate repairer.
-the reasonable cost of delivery to you after the repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
Excesses
If your motorcycle (including its accessories and spare parts) is lost, stolen or damaged, you will have to pay the first part of any claim. Your policy schedule will indicate the compulsory excess(s) applicable to your motorcycle(s). All excesses are cumulative and you should pay careful attention to the policy schedule and any additional endorsements to establish the amount you will need to contribute in the event of a claim.
Section 1 Exceptions
Exceptions to Section 1 of your policy
Your policy does not cover the following:
1. Depreciation, wear and tear and any mechanical, electrical, computer faults, failures, malfunctions or breakdowns.
2. Loss of use or other indirect loss.
3. Damage to tyres caused by braking or by punctures, cuts or bursts.
4. Loss of or damage to accessories and spare parts by theft if your motorcycle is not stolen at the same time.
5. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
6. Loss or damage to helmets and protective clothing greater than the cover provided by Section 7 of this policy.
7. Loss of value following repair.
8. Loss or damage arising from theft whilst the ignition keys of your motorcycle have been left in or on your motorcycle.
9. Loss or damage if your motorcycle is confiscated or destroyed by, or under the order of, any government or public or local authority.

Section 1 Loss of or damage to your motorcycle
Section 1
Loss of or damage to your motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option, either:
- pay for your motorcycle to be repaired; or replace your motorcycle; or
- pay in cash the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle. The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records. If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.

Information
In case of an accident
If you have been involved in an accident and your motorcycle cannot be ridden, the Claims Helpline will look after your immediate needs, arranging:
-for your bike to be recovered to a BMW motorcycle dealer for repair or to another repairer, if appropriate.
-to deal with any immediate concerns you may have, such as contacting those who need to know that you have been involved in an accident.

Section 1
Loss of or damage to your motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option, either:
-pay for your motorcycle to be repaired; or
-replace your motorcycle; or
-pay in cash the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle. The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records. If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.
Accident recovery
If your motorcycle is disabled through loss or damage insured under this policy, your insurer will pay:
the reasonable cost of protection and removal to the nearest appropriate repairer.
the reasonable cost of delivery to you after the repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.

Information
In case of an accident
If you have been involved in an accident and your motorcycle cannot be ridden, the Claims Helpline will look after your immediate needs, arranging:
-for your bike to be recovered to a BMW motorcycle dealer for repair or to another repairer, if appropriate.
-to deal with any immediate concerns you may have, such as contacting those who need to know that you have been involved in an accident.

Section 1 Loss of or damage to your motorcycle
Section 1
Loss of or damage to your motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option, either:
-pay for your motorcycle to be repaired; or
-replace your motorcycle; or
-pay in cash the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle.
The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records. If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.

Single Payment
A single credit/debit card payment of: (including Insurance Premium Tax where applicable) We can accept MasterCard, Visa, Switch/Maestro and Delta cards
or
Pay by instalments

If you choose to pay your premium by instalments there is an additional service charge payable. For a new policy, premiums may be paid in 8 equal monthly instalments, subject to payment of a deposit of 30%. A service charge of 11.00% (APR 32.6%) typical APR 32.6% will be made when paying by instalments. Deposits can be accepted by CREDIT or DEBIT card only. For renewal premiums, when instalment payments are already being made, we will notify you of your renewal premium in advance of the renewal date and we will automatically continue to collect your instalments, unless you advise us otherwise.
No deposit will be required to renew a policy under which an existing instalment plan operates and the total premium will be payable over 11 months. The first debit will be collected on the renewal date or the nearest working day thereafter. A service charge of 11.00% (APR 23.6%) typical APR 23.6% will be made when paying renewal premiums by instalments.

Cancellation
3. If this cover does not meet your requirements, you have a statutory right to return all your documents (including the Certificate of Motor Insurance) within 14 days of receipt or the start date of the policy, whichever is later. We will return any premium paid less a pro rata charge for the number of days for which cover has been given. The full annual premium is due if a total loss claim has been made during that period. If you do not exercise your right to cancel your policy within the statutory cooling off period, it will continue in force. If you wish to cancel your policy after the initial 14 day cooling off period you will receive a refund in premium, less a pro rata charge for the number of days for which cover has been provided. However, no refund will be due if you have made a claim on your policy during the current period of insurance. NB: A cancellation will only become effective from the date BMW MOTORRAD Insurance receive the return of the current Certificate of Motor Insurance or a Statutory Declaration, if you have lost the Certificate of Motor Insurance. Your insurer or BMW Motorrad Insurance may cancel this policy by sending not less than 7 days notice to your last known address (and in the case of northern Ireland, also to the Department of the Environment, Northern Ireland). Your insurer will calculate the premium for the period they have been insuring you (on a pro rata basis) and refund any balance.
Other Insurance
4. If at the time of any claim arising under this policy there is any other insurance policy covering the same loss, damage or liability, your insurer will only pay their share of the claim. This provision will not place any obligation upon your insurer to accept any liability under Section 2 that they would otherwise be entitled to exclude under Exception 1 to Section 2.
Your duty to prevent loss or damage
5. You shall at all times take all reasonable steps to safeguard your motorcycle from loss or damage. You shall maintain your motorcycle in efficient condition and your insurer shall have, at all times, free access to examine such motorcycle.
Premiums payable by Instalments
6. If you are paying your premium in instalments and you miss a payment, your insurer will cancel your cover. You will be given seven daysnotice prior to cancellation.

Section 2 Liability
Your liability to third parties
Your insurer will insure you in respect of all sums which you may be required to pay by law arising from death or injury to third parties, or damage to their property as a result of an accident caused by:
-your motorcycle.
-any other motorcycle ridden by you in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man which does not belong to you or is not hired to you under a hire purchase or annual leasing agreement, provided that your current certificate of motor insurance indicates that you can ride such motorcycle.
-any trailer while it is being towed by your motorcycle.
- the trailer being properly secured to your motorcycle by towing equipment manufactured for the purpose; and/or
- the method of towing staying within the manufacturers recommended towing limits and any other relevant law.
Your insurer will also pay any expenses for which you have their written authority to claim.
Legal costs
Your insurer will pay for:
-solicitors fees if anyone they insure under this section is represented at a coroners inquest or fatal accident inquiry or is defending any proceedings in a court of summary jurisdiction;
-legal services up to an amount not exceeding £1000 to defend anyone they insure under this section in the event of proceedings being taken for manslaughter or reckless or dangerous driving causing death, provided that at the time of the occurrences the rider is 21 years of age or more. Your insurer will only pay these legal costs if they relate to an incident, which is covered under this section.
Section 2 Exceptions
Exceptions to Section 2
The cover under this section will not apply:
7. to any liability for more than £20,000,000 for damage to property and £5,000,000 for legal expenses and costs for any claim or series of claims (including any indirect loss or damage) caused by one event.

Information
In case of an accident
If you have been involved in an accident and your motorcycle cannot be ridden, the Claims Helpline will look after your immediate needs, arranging:
-for your bike to be recovered to a BMW motorcycle dealer for repair or to another repairer, if appropriate.
-to deal with any immediate concerns you may have, such as contacting those who need to know that you have been involved in an accident.

Section 1 Loss of or damage to your motorcycle
Section 1
Loss of or damage to your motorcycle If your motorcycle is lost, stolen or damaged, your insurer will, at their option, either:
-pay for your motorcycle to be repaired; or
-replace your motorcycle; or
-pay in cash the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle. The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records. If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.
Accident recovery
If your motorcycle is disabled through loss or damage insured under this policy, your insurer will pay:
-the reasonable cost of protection and removal to the nearest appropriate repairer.
-the reasonable cost of delivery to you after the repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
Excesses
If your motorcycle (including its accessories and spare parts) is lost, stolen or damaged, you will have to pay the first part of any claim. Your policy schedule will indicate the compulsory excess(s) applicable to your motorcycle(s). All excesses are cumulative and you should pay careful attention to the policy schedule and any additional endorsements to establish the amount you will need to contribute in the event of a claim.
Section 1 Exceptions
Exceptions to Section 1 of your policy
Your policy does not cover the following:
1. Depreciation, wear and tear and any mechanical, electrical, computer faults, failures, malfunctions or breakdowns.
2. Loss of use or other indirect loss.
3. Damage to tyres caused by braking or by punctures, cuts or bursts.
4. Loss of or damage to accessories and spare parts by theft if your motorcycle is not stolen at the same time.
5. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
6. Loss or damage to helmets and protective clothing greater than the cover provided by Section 7 of this policy.
7. Loss of value following repair.
8. Loss or damage arising from theft whilst the ignition keys of your motorcycle have been left in or on your motorcycle.
9. Loss or damage if your motorcycle is confiscated or destroyed by, or under the order of, any government or public or local authority.

Section 6
Death Benefit
If you or your husband, wife or civil partner are accidentally injured while travelling on or getting onto or off your motorcycle and this injury alone results within three calendar months in death, we will pay you or your legal representative £5,000. The most we will pay in any one period of insurance is £5,000.
Exceptions to Section 6
The cover under this section will not apply:
1. to any injury or death resulting from suicide or attempted suicide.
2. if at the time of an accident, you or your husband, wife or civil partner is driving under the influence of alcohol or drugs or any other substance and this is an offence under the driving laws of the country in which the accident happened.

Section 2 Liability
Your liability to third parties
Your insurer will insure you in respect of all sums which you may be required to pay by law arising from death or injury to third parties, or damage to their property as a result of an accident caused by:
-your motorcycle.
-any other motorcycle ridden by you in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man which does not belong to you or is not hired to you under a hire purchase or annual leasing agreement, provided that your current certificate of motor insurance indicates that you can ride such motorcycle.
-any trailer while it is being towed by your motorcycle.
- the trailer being properly secured to your motorcycle by towing equipment manufactured for the purpose; and/or
- the method of towing staying within the manufacturers recommended towing limits and any other relevant law.
Your insurer will also pay any expenses for which you have their written authority to claim.
Section 2 Exceptions
Exceptions to Section 2
The cover under this section will not apply:
7. to any liability for more than £20,000,000 for damage to property and £5,000,000 for legal expenses and costs for any claim or series of claims (including any indirect loss or damage) caused by one event.

Section 7 - Clothing and personal belongings
Your insurer will pay for loss of, or damage to, crash helmets, clothing and personal belongings if they are lost or damaged because of an incident for which you are making a claim under Section 1 - Loss of or Damage to your Motorcycle.
- the most your insurer will pay for any one incident is £1,000.
- if you ask your insurer to pay someone else, they will have no further responsibility to you once they have done so.
Exceptions to Section 7
The cover under this section will not apply:
1. to loss or damage to money, credit or debit cards, stamps, tickets, vouchers, documents, securities, or to goods or samples carried in connection with any trade or business.
2. to loss or damage to property insured under any other policy.
3. to theft, unless the motorcycle is stolen at the same time.
4. unless you take all reasonable steps to protect your crash helmet, clothes or personal belongings from loss or damage.

Motorcycle policy definitions
Accessories - Additional or supplementary parts of your motorcycle that have been fitted after its manufacture and are not directly related to its function as a motorcycle. These include radios that form an integral part of the motorcycle, top boxes, tank bags and other luggage carriers while fitted to your motorcycle.
Section 1 Loss of or damage to your motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option, either:
- pay for your motorcycle to be repaired; or
- replace your motorcycle; or
- pay in cash the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle. The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records. If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.
Section 1 Exceptions
Exceptions to Section 1 of your policy
Your policy does not cover the following:
1. Depreciation, wear and tear and any mechanical, electrical, computer failure, or breakdown or breakage.
2. Loss of use or other indirect loss.
3. Damage to tyres caused by braking or by punctures, cuts or bursts.
4. Loss of or damage to accessories and spare parts by theft if your motorcycle is not stolen at the same time.
5. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
6. Loss or damage to helmets and protective clothing.
7. Loss of value following repair.
8. Loss or damage arising from theft whilst the ignition keys of your motorcycle have been left in or on your motorcycle.

Section 7 - Clothing and personal belongings
Your insurer will pay for loss of, or damage to, crash helmets, clothing and personal belongings if they are lost or damaged because of an incident for which you are making a claim under Section 1 - Loss of or Damage to your Motorcycle.
- the most your insurer will pay for any one incident is £1,000.
- if you ask your insurer to pay someone else, they will have no further responsibility to you once they have done so.
Exceptions to Section 7
The cover under this section will not apply:
1. to loss or damage to money, credit or debit cards, stamps, tickets, vouchers, documents, securities, or to goods or samples carried in connection with any trade or business.
2. to loss or damage to property insured under any other policy.
3. to theft, unless the motorcycle is stolen at the same time.
4. unless you take all reasonable steps to protect your crash helmet, clothes or personal belongings from loss or damage.

Travelling abroad
If you take your motorcycle abroad A Green Card is an International Certificate of Motor Insurance required as proof of motor insurance cover by countries outside of the policy Territorial Limits. All countries within the policys Territorial Limits have agreed that a Green Card is not necessary for cross border travel.Your certificate of motor insurance therefore provides sufficient evidence that you are complying with the laws on the compulsory insurance of motor vehicles in any of the countries within the policys Territorial Limits that you visit. There is no cover for countries outside the policys Territorial Limits.Your insurer may, however, be able to arrange 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 required. Please refer to Section 9 of the policy wording for further information.

Important Information
Fees
If you choose to pay your premium by instalments there is an additional service charge payable. For a new policy, premiums may be paid in 8 equal monthly instalments, subject to payment of a deposit of 30%. A service charge of 11.00% (APR 32.6%) typical APR 32.6% will be made when paying by instalments. Deposits can be accepted by CREDIT or DEBIT card only. For renewal premiums, when instalment payments are already being made, we will notify you of your renewal premium in advance of the renewal date and we will automatically continue to collect your instalments, unless you advise us otherwise. No deposit will be required to renew a policy under which an existing instalment plan operates and the total premium will be payable over 11 months. The first debit will be collected on the renewal date or the nearest working day thereafter. A service charge of 11.00% (APR 23.6%) typical APR 23.6% will be made when paying renewal premiums by instalments.
NB If you decide to take out the insurance and to pay your annual premium by Direct Debit instalments, full details of the Consumer Credit Agreement will be provided by this website before you purchase the cover.

65%
Section 5
No Claim Discount
If you do not make a claim under your policy, your renewal premium will be reduced in accordance with the scale applicable at such time with your insurer. (Devitt Insurance Services Limited can tell you what the current scale is). The No Claim Discount is applied to the policy premium as a whole (excluding any flat rate premiums) and in the event of a claim, the discount will be reduced in accordance with the table shown below.
No of years bonus at the start of the period of insurance    No of years bonus at the next renewal date following:
         1 Claim  2 Claims  3 Claims
4 or more years         No Reduction 2 years   Nil
3 years         1 year  Nil    Nil
2 years         Nil   Nil    Nil
1 year         Nil   Nil    Nil
No Claim Discount is not earned under a policy issued and in force for less than 12 months.

KEY FACTS
Policy Summary
Significant Features and Benefits
Protected No Claim Discount. This is available subject to certain criteria. Refer to your policy schedule.
2 claims in 3 years are permitted.

KEY FACTS
Policy Summary
Significant Features and Benefits
Protected No Claim Discount. This is available subject to certain criteria. Refer to your policy schedule.

General conditions applicable to all sections
Claims procedure
1. As soon as reasonably possible after any accident, injury, loss or damage, you or your legal representatives must give your insurer full details of the incident. Any communication you receive about the incident should be sent to your insurer immediately. You or your legal personal representatives must also let your insurer know immediately if anyone insured under this policy is to be prosecuted as a result of the incident or if there is to be an inquest or there has been a fatal accident.
2. You, or anyone else claiming under this policy must not admit to any claim, promise any payment or refuse any claim without the written consent of your insurer. If your insurer wants to, they can take over and conduct in your name, or in the name of the person claiming under the policy, the defence or settlement of any claim or take proceedings for their own benefit to recover any payment your insurer has made under this policy. Your insurer shall have full discretion in the conduct of any proceedings or the settlement of any claim. The person who is seeking payment under this policy shall give your insurer all the information and assistance necessary for them to achieve a settlement.
Cancellation
3. If this cover does not meet your requirements, you have a statutory right to return all your documents (including the Certificate of Motor Insurance) within 14 days of receipt or the start date of the policy, whichever is later. We will return any premium paid less a pro rata charge for the number of days for which cover has been given. The full annual premium is due if a total loss claim has been made during that period. If you do not exercise your right to cancel your policy within the statutory cooling off period, it will continue in force. If you wish to cancel your policy after the initial 14 day cooling off period you will receive a refund in premium, less a pro rata charge for the number of days for which cover has been provided. However, no refund will be due if you have made a claim on your policy during the current period of insurance.
NB: A cancellation will only become effective from the date BMW MOTORRAD Insurance receive the return of the current Certificate of Motor Insurance or a Statutory Declaration, if you have lost the Certificate of Motor Insurance. Your insurer or BMW MOTORRAD Insurance may cancel this policy by sending not less than 7 days notice to your last known address (and in the case of Northern Ireland, also to the Department of the Environment, Northern Ireland). Your insurer will calculate the premium for the period they have been insuring you (on a pro rata basis) and refund any balance.
Other Insurance
4. If at the time of any claim arising under this policy there is any other insurance policy covering the same loss, damage or liability, your insurer will only pay their share of the claim. This provision will not place any obligation upon your insurer to accept any liability under Section 2 that they would otherwise be entitled to exclude under Exception 1 to Section 2.
Your duty to prevent loss or damage
5. You shall at all times take all reasonable steps to safeguard your motorcycle from loss or damage. You shall maintain your motorcycle in efficient condition and your insurer shall have, at all times, free access to examine such motorcycle.
Premiums payable by Instalments
6. If you are paying your premium in instalments and you miss a payment, your insurer will cancel your cover. You will be given seven days notice prior to cancellation.
Your duty to comply with policy conditions
7. The provision of insurance under this policy is conditional upon you observing and fulfilling the terms, provisions, conditions and endorsements of this policy.
Fraud
8. You or any person acting for you must not act in a fraudulent manner. If you or anyone acting for you:
- makes any claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect; or
- makes any statement in support of any claim knowing the statement to be false in any respect; or
- submits any document in support of any claim knowing the document to be forged or false in any respect; or
- makes any claim in respect of any loss or damage caused by your willful act or with your connivance; then your insurer:
- will not pay the claim;
- may at their option cancel the policy;
- may recover from you the amount of any claim paid in relation to the incident;
- will not make any return of premium;
- may inform the police of the circumstances.
Parties to this contract
9. The parties to this contract of insurance are you and the insurer. No one else has any rights they can enforce under this contract except those they have under the Road Traffic Acts.
Data Protection Act
10. Please refer to the Data Protection notice within your policy documentation, which contains important information about the use of your personal details. Please make sure that you read the Data Protection notice carefully. By taking out this insurance policy, you confirm that your personal details may be used in this way. As the terms of the Data Protection notice will also apply to anyone else insured under your policy, you should also show the Data Protection notice to anyone else whose name you have given us in connection with your policy.

Policy Endorsements
Endorsement 004 - Increased Theft Excess
You have agreed that you will keep the motorcycle in a locked garage or building either at your home address or at the garaging address declared to the insurer when the motorcycle is not being used. If a theft of the motorcycle occurs within a 500 metre radius of your home address or the garaging address when the motorcycle is not in a locked garage or building, the compulsory theft excess will be doubled.

Section 1 Loss of or damage to your motorcycle
Section 1
Loss of or damage to your motorcycle If your motorcycle is lost, stolen or damaged, your insurer will, at their option, either:
-pay for your motorcycle to be repaired; or
-replace your motorcycle; or
-pay in cash the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle. The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records. If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.
Accident recovery
If your motorcycle is disabled through loss or damage insured under this policy, your insurer will pay:
-the reasonable cost of protection and removal to the nearest appropriate repairer.
-the reasonable cost of delivery to you after the repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
Excesses
If your motorcycle (including its accessories and spare parts) is lost, stolen or damaged, you will have to pay the first part of any claim. Your policy schedule will indicate the compulsory excess(s) applicable to your motorcycle(s). All excesses are cumulative and you should pay careful attention to the policy schedule and any additional endorsements to establish the amount you will need to contribute in the event of a claim.
Section 1 Exceptions
Exceptions to Section 1 of your policy
Your policy does not cover the following:
1. Depreciation, wear and tear and any mechanical, electrical, computer faults, failures, malfunctions or breakdowns.
2. Loss of use or other indirect loss.
3. Damage to tyres caused by braking or by punctures, cuts or bursts.
4. Loss of or damage to accessories and spare parts by theft if your motorcycle is not stolen at the same time.
5. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
6. Loss or damage to helmets and protective clothing greater than the cover provided by Section 7 of this policy.
7. Loss of value following repair.
8. Loss or damage arising from theft whilst the ignition keys of your motorcycle have been left in or on your motorcycle.
9. Loss or damage if your motorcycle is confiscated or destroyed by, or under the order of, any government or public or local authority.