Bennetts Motorcycle Insurance

INTRODUCTION
Thank you for choosing Bennetts to arrange your motorcycle insurance. Your insurance has been placed with a company we have selected for you and we will deal with the insurance on their behalf.

SECTION 5 Continental Use
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 the 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.
Cover under this section includes
- Transit by sea, air or rail in or between countries within the territorial limits provided it is by a recognised route which takes 65 hours or less under normal conditions or via the Channel Tunnel fixed link.
- 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 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.
Subject to your motorcycle normally being kept in Great Britain this policy provides the cover shown in the policy schedule in any country in the territorial limits subject to you not exceeding 45 days in any one trip. A Green Card will not be issued as this is not necessary for cross border travel and 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. If you cannot drive the motorcycle because 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 the amount of customs duty you have to pay as result of the loss or damage.

HELMET AND LEATHERS COVER
This Helmet and Leathers policy (Section) is applicable only if the Schedule shows that Helmet and Leathers Cover is included. This Section is underwritten by Equity Red Star Services Limited. Registered office: Library House, New Road, Brentwood, Essex CM14 4GD. Registered No. 2661753. This section is administered by ULR Norwich, a trading name of Motorplus Limited. Registered Office: Kircam House, 5 Whiffler Road, Norwich NR3 2AL. Registered No. 3092837. Both Equity Red Star Services Limited and ULR Norwich are authorised and regulated by the Financial Services Authority.
THE CONTRACT OF INSURANCE
This Section and the Schedule form a legally binding contract of insurance between you and us. The contract does not give, or intend to give, rights to anyone else. No one else has the right to enforce any part of this contract. We may cancel or change any part of the contract without getting your permission. The insurance provided by this Section covers loss or damage that occurs during any period of insurance for which you have paid, or agreed to pay the premium. The insurance is provided under the terms and conditions contained in this Section. Unless we have agreed otherwise with you, this contract is governed by English law.
DEFINITIONS
The following words or phrases in bold have the same meaning whenever they appear in this document and Schedule.
Period of insurance
This is the length of time covered by this insurance as shown in the schedule and any extra period for which we accept your premium.
Motorcycle clothing
Leather clothing, boots, gloves and helmet that you own or are legally responsible for whilst being worn by you.
United Kingdom
Great Britain (England, Scotland and Wales), Northern Ireland, the Isle of Man and the Channel Islands.
We, us, our
The insurer named in your Schedule, which is made up of the Lloyd's underwriters who have insured you under this insurance. Each underwriter is only liable for their own share of the risk and not for any other's share. You can ask us for the names of the underwriters and the share of the risk each has taken on.
You, your
The person named in the Schedule as the insured.
WHAT IS COVERED
We will cover damage to motorcycle clothing as a result of a motorcycle accident only, anywhere in the United Kingdom. We will decide whether to pay the cost of repair or to replace the motorcycle clothing if it is damaged beyond repair (in the same form and style) as new as a result of a motorcycle accident only. We will deduct an amount for wear and tear in respect of leathers, boots and gloves. We will not pay the cost of replacing any undamaged motorcycle clothing forming part of a pair or set of the same type, colour or design if the damage happens to a particular area or specific part and a replacement cannot be matched. The most we will pay under this Section is £750. Each loss is subject to a £50 excess.
MAINTAINING THE SUM INSURED
After we have settled a claim, we will not reduce the sum insured as long as you take any reasonable measure we may suggest to prevent further loss or damage. We will not charge any extra premium for maintaining the sum insured.
GENERAL EXCLUSIONS
The following exclusions apply to this insurance. This insurance does not cover direct or indirect loss or damage to the motorcycle clothing caused by, contributed to, or arising from the following:
1 Radioactive contamination from:
- ionising radiation or contamination from any nuclear fuel, or from any nuclear waste arising from burning nuclear fuel; or
- the radioactive, toxic, explosive or other dangerous effect of any explosive nuclear equipment or part of that equipment.
2 War, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution or military or usurped power.
3 Loss of value after we have made a claim payment.
4 Wear and tear, rot of any kind, any gradually operating cause, fungus, mildew, moth, insect or vermin.
5 Indirect loss of any kind.
6 Damage sustained to a passengers motorcycle clothing.
7 Theft.
8 Accidental Damage (other than as a result of a motorcycle accident).
GENERAL CONDITIONS
The following conditions apply to this insurance.
1 Reasonable care
You must keep the motorcycle clothing in a good state of repair and take all reasonable care to prevent loss or damage.
2 Telling us about a change
You must tell us if you change your address or if there is any change in the information given to us that is relevant to this insurance. If you do not, your insurance may not be valid or may not cover you fully. If you are not sure whether any information is relevant, you should tell us anyway.
3 Claims
3.1 When a claim or possible claim occurs, you must tell us as soon as possible.
3.2 You must give us at your own expense any proof of purchase, receipts or information we need.
4 Our rights after a claim
4.1 We may take possession of the damaged motorcycle clothing and deal with any salvage in a reasonable manner. However, you must not abandon the motorcycle clothing to us.
4.2 Before or after we pay your claim under this insurance, we may take over or settle any claim in your name.
4.3 We can also take proceedings, at our own expense and for our own benefit, to recover any payment we have made under this insurance.
5 Fraudulent claims
If a claim is made which you or anyone acting on your behalf knows is false, fraudulent or exaggerated, we will not pay the claim and cover under this insurance will end without our returning your premium.
6 Other insurance
If, at the time of any loss or damage covered under this insurance, you have any other insurance that covers the same loss or damage, we will only pay our share of the claim.
COMPLAINTS HANDLING
We will always do our best to ensure your complete satisfaction, however if you do have cause to complain, please write in the first instance to the Chief Executive of ULR Norwich at their Head Office: ULR Norwich, Kircam House, 5 Whiffler Road, Norwich NR3 2AL. Tel: 01603 420000, Fax 01603 420010 If you are still not satisfied, please write to the Chief Executive of Equity Red Star Services Limited at: 52 Leadenhall Street, London, EC3A 2BJ. Please quote the reference number shown on the schedule. After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask the Complaints Department at Lloyd's to review your complaint. The address is: Complaints Department, Lloyd's, One Lime Street, London, EC3M 7HA. (These procedures do not affect your rights to take legal action if necessary). If we cannot pay all amounts under this insurance, you may be entitled to compensation under the FSCS. You can get more information from us or the Financial Services Authority or by visiting the FSCS website at www.fscs.org.uk
CANCELLATION
We or Bennetts may cancel this policy by giving you seven days notice by recorded delivery. We or Bennetts will send notice of cancellation to your last known address. You may cancel this policy at any time by phone on 0870 333 0008 or by post at Bennetts Customer Services, Fusion House, 165 Corporation Street, Coventry, CV1 1GY. There is no cancellation fee for cancelling within the first 14 days of receiving your policy. Outside of this you may have to pay a cancellation fee. As long as you have not made any claim under this policy we will refund part of the premium. If you cancel the main policy, this policy will also be cancelled.

Roadside Rescue
This section is applicable only if the schedule shows that Roadside Rescue cover is included. This section is underwritten by RAC Motoring Services.
DEFINITIONS
Below are certain words that have a specific meaning in this Policy and wherever these words appear they have the following meaning:
Breakdown
means unforeseen mechanical or electrical failure during the Period of Cover in the UK or the Territory which has either immobilised Your Bike or made it unsafe to ride.
Conditions of Claim
means those conditions set out in this Policy.
Home
means the address where You live in the United Kingdom.
The Party/Your Party
means the persons including You, travelling with You on the Bike.
Period of Cover
means the period covered by this Policy being 12 months from the date of payment for this Policy.
Policy
means Your RAC European Motoring Assistance Policy as set out in this document.
Resident of the United Kingdom
means a person living permanently in the United Kingdom or a person employed by a company having its registered office in the United Kingdom.
Territory
means those countries highlighted in the table on page 22
United Kingdom/UK
means England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
Bike
means the Bike specified by You as being eligible to receive services under this Policy.
We/Our/Us/RAC
means RAC Motoring Services and/or RAC Insurance Limited.
You/Your
means the person named on the Bennetts bike insurance policy when riding the Bike or any other person riding the Bike with the owners consent.
POLICY PROVIDERS
Certain of the benefits and services provided under Your Policy are insurance products as defined under the Financial Services and Markets Act 2000. Such benefits and services are provided by RAC Motoring Services, company registration number 1424399, whose registered office is at RAC House, 1 Forest Road, Feltham, TW13 7RR RAC Motoring Services (in respect of insurance mediation activities only) is authorised and regulated by the Financial Services Authority and within the jurisdiction of the Financial Ombudsman Service and Financial Services Compensation Scheme.
DETAILS OF SERVICES
Service in the UK
UK Claims Procedure and Conditions
If You are unfortunate enough to Breakdown, please follow these simple steps:
1. Telephone RAC on the following helpline number 0800 058 2368
2. Advise the operator that you are a Bennetts policyholder
3. Quote your Bike registration number
4. Advise the operator of the location of Your Bike and the nature of the fault. RAC will then advise how to proceed and what form of assistance would be the most appropriate. Remember to always call RAC first. Please do not go ahead and make Your own arrangements as RAC cannot reimburse costs incurred without prior authorisation.
Bikeguard
Bikeguard operates in the UK. If You are stranded on a public highway (or other road or area to which the public has the right of access) because Your Bike has had a Breakdown, We will send an RAC patrol or contractor to help You. We will try to repair Your Bike at the roadside. Bikeguard includes labour at the scene of the Breakdown (but not labour at any garage to which the Bike is taken). If We cannot repair the Bike at the roadside, and We believe repairs are unwise or cannot be completed within a reasonable time, We will take the Bike to a destination of Your choice within 10 miles from the scene of the Breakdown. If You have no preferred destination, We will take the Bike to a nearby garage. If You wish the Bike to be taken to any other destination, You will have to pay for the towage costs for the whole distance. If You need to leave Your Bike at the garage We will reimburse You for taxi fares up to 20 miles (a receipt must be obtained).
Bikeguard does not cover:
- Breakdowns which would be prevented by routine servicing of Your Bike.
- Replacing tyres or windscreens.
- Missing or broken keys. We will try to arrange the services of a locksmith but You will have to pay for them.
- The cost of ferry crossings, road toll and congestion charges.
- Bikes being demonstrated or delivered by motor traders, or used under trade plates.
- Bikes, which, according to our patrol or contractor, had broken down or were unroadworthy before You took out Your Policy.
- Bikes, which break down within 1/4 mile of Your Home address or where You normally keep the Bike.
- Contaminated fuel problems. We will arrange for Your Bike to be taken to a local garage for assistance, but You will have to pay for the work carried out.
- The cost of parts, fuel or other supplies.
- Any Bike storage charges incurred when You are using Our services.
- Labour at any garage to which the Bike is taken.
- Breakdown caused by or following an accident, fire, theft or act of vandalism. If You call Us for assistance following such an incident You will be liable to pay Us for removal. (Subject to - the terms of Your insurance policy, You can then reclaim these costs through Your insurance).
- The tow or transport of any Bike, which, in Our reasonable opinion, is loaded beyond its legal limit.
- Any Bike in a position where We cannot work on it or tow it, or wheels have been removed, We can arrange to rectify this but You will have to pay the costs involved.
- Any animals in Your Bike, please note that their onward transportation is at Our discretion and solely at Your risk. We will not insure any animal, including livestock in transit, during any onward transportation We undertake.
Bikeguard Plus
Bikeguard Plus is only available in the UK. Bikeguard Plus has the same terms and conditions as Bikeguard but with the following variations: If We cannot get Your Bike repaired locally within what We deem to be a reasonable time, We will take the Bike, rider and passenger Home or to a single address anywhere else. You can use Bikeguard Plus if You are ill, and there are no passengers who can ride the Bike, so that You cannot continue Your trip. You must show Us a doctors medical certificate confirming Your inability to ride (in these cases, We will provide this service as We see fit). Bikeguard Plus does not cover:
- Any Bike which in Our reasonable opinion was broken down or unroadworthy at the time You took out Your Policy.
- The use of Recovery as a way to avoid paying repair costs.
- A second Recovery if We consider that the original fault of a first Recovery has not been properly repaired.
- Service within 24 hours of commencement of this Policy.
At Home
At Home is only available in the UK. At Home has the same terms and conditions as Bikeguard but with the following variations: At Home allows You to use Bikeguard within 1/4 mile of Your Home address or where You normally keep the Bike.
At Home does not cover:
- the rectifying of failed or attempted repairs;
- the reimbursement of taxi fares;
- Service within 24 hours of commencement this Policy;
Onward Travel
Onward Travel is available in the UK only. Onward Travel benefits must be arranged at the time of Breakdown and cannot be requested later. You are entitled to one of the following extra benefits once We have decided that We cannot get the Bike repaired locally:
- Replacement car hire
- Alternative transport costs
- Hotel accommodation
You can use the Onward Travel benefits from Your Home address or within a quarter of a mile of Your home address. This excludes incidents where We have been called to rectify failed repairs.
Replacement car hire
We will pay for:
Up to Three days hire cost of a manual car up to 1600cc for the duration of the repairs to the Bike in accordance with Your Onward Travel entitlement, for one incident
Insurance (including collision damage waiver)
Replacement car hire is subject to availability and Our suppliers terms and conditions, which will usually include:
1. Age limits
2. The need to have a current driving license, and, if held, a driving license photo card, with You
3. Limits on acceptable endorsements
4. The need to provide a valid credit card number (Alternatively, the car rental provider will require a deposit of no less than £50 and may also undertake a simple credit check, before releasing the Bike to You) Hire cars are not usually available with a tow bar, and therefore Your trailer will, if eligible, be recovered under Bikeguard Plus with Your broken down Bike. If We decide that a hire car is not a practicable solution for any reason, hotel accommodation or alternative transport will be provided instead. Alternative transport We will reimburse You for standard class rail or other transport of our choice for rider and passenger to reach the end of their journey within the UK. We will pay up to £150 a person. Hotel accommodation We will arrange and reimburse You for one nights bed and breakfast for rider and passenger in a hotel of our choice. We will pay up to £150 a person. You will have to pay for any extra hotel or transport costs. Special medical assistance Onward Travel also provides special medical assistance. If You or Your passenger is taken into hospital more than 20 miles from home We will arrange and pay for overnight accommodation for the other passengers as described in Hotel accommodation above. We will also arrange for an ambulance to take the patient to a local hospital near to their home once medical permission has been given. Special medical assistance is not available for planned hospital visits.
What is not covered:
A second use of the Onward Travel benefits if the original fault has not been properly repaired.
Other charges arising from Your use of the hire car, such as fuel costs, deposit, any insurance excess charges, collecting and returning the Bike and any costs due to You keeping the car after the agreed period of hire (You must settle these charges directly with the supplier).
If You require a second or any other type of Bike We will try to arrange this for You, You will have to pay for any additional costs.
If You are unfortunate enough to have an incident with the hire Bike and You make an insurance claim, You will be responsible for paying any excess.
Service within 24 hours of commencement of this Policy.
Breakdowns in the UK resulting from road traffic accidents, vandalism, fire or theft .
European Cover
The service covers UK registered Bikes and is available throughout the Territory.
Service while abroad
1 How To Obtain Assistance In Europe
To obtain help in the event of a Breakdown, accident, fire or theft, or if the only qualified rider is medically unfit to ride, please call the RAC control centre listed under 2 below and state that You have European Cover and give the following information:
- Your name
- Your policy number
- Your location and telephone number if You are on a MOTORWAY see also note 3 below
- The make and registration number of Your Bike.
2 Please call:
UK 0800 058 2368 (freephone) France & Monaco 0800 290 112 (freephone within France and Monaco only) 0472 43 52 55 (pay call) Republic of Ireland 1 800 535 005 (freephone) Rest of Europe 00 33 472 43 52 55 (pay call) Macedonia 99 33 472 43 52 55 (pay call) Armenia, Azerbaijan, Belarus, Georgia, Lithuania, Moldova, Russia, Ukraine 810 33 472 43 52 55 (pay call) The telephone numbers are correct at the time of printing Dec 05.
3 Breakdowns on Motorways
On continental motorways (including service areas) You MUST use the roadside emergency telephones. You cannot call RAC control centres from these. You will be connected to the police or authorised motorway service, who will send a breakdown recovery Bike. However, this will only be to the recovery companys own depot if they cannot fix Your Bike - contact RAC using the numbers at 2 above as soon as You can, if possible from the recovery companys depot. You may have to pay labour and towing charges on the spot - an authorised tariff is normally applicable. These items are covered and You should obtain a receipt to claim a refund on Your return home.
Mobile and car phones
RAC will not re-imburse the cost of any telephone calls you make in connection with any Breakdown under this Policy (including mobile phone calls) . It may not be possible for an RAC control centre to call a mobile or car phone but when it is, You may still have to pay the cost of any international call. Some service providers charge for calls to freephone numbers. The regulations on the use of mobile and car phones vary from country to country. Please check with Your service provider that Your phone meets the requirements and standards for the countries in which You are travelling.
Policy Description
Service in the UK
Product Limitation
- Roadside assistance Repair at the roadside or recovery to the nearest garage capable of performing repairs or home
- Journey continuation Replacement Vehicle to a maximum of £750
Service while abroad
Product Limitation
- Roadside assistance Repair at the roadside or recovery to the nearest garage capable of performing repairs
- Spare parts dispatch
- Additional accommodation expenses - £30 per person per day
- Journey continuation or return home - Maximum of 14 days car hire or second class rail fare
- Replacement rider
- Bike break-in, emergency repair
- Accidental damage to or loss of tent - £30 per person per day
- Urgent message relay service
- Bike repatriation to United Kingdom - Limited to the value of the Bike being UK Glass's guide.
- Customs claims indemnity
Service after return home
Product Limitation
- Collection of Bike left abroad for repair - £600
There is an overall policy limit of £2500 applied to this Policy.
You are covered for any number of trips, each up to 90 days in duration but not for longer stays and provided the outward and return journeys are completed in the Period of Cover. In the event of a Breakdown We will pay for the following subject to the limitations for each section as described in the policy description:
European Roadside assistance
Service in the UK
If You are stranded on a public highway through Breakdown of Your Bike on the outward journey from Home to Your point of departure or on the inward journey from Your point of entry to Home We will provide Bikeguard and Bikeguard Plus in accordance with Your UK entitlement. In addition We will pay a contribution of up to £750, towards the cost of self-drive hire car including collision damage waiver and replacement Green Card as necessary, to complete the planned journey if RAC confirms Your Bike cannot be repaired within 24 hours.
Service whilst abroad
We will pay for:
1 Attendance of local breakdown or garage services to repair the Bike at the roadside if possible; or
2 tow it from the place of Breakdown or accident to the nearest local repairer where You may arrange repairs; and
3 Either:
a. a contribution towards labour charges at a garage if it is possible to effect the repairs necessary to enable the Bike to continue the journey on the date of Breakdown; or
b. Inspection fees, in the event of a Breakdown, to confirm that the Bike cannot be repaired by Your return travel date and Your request for assistance will include authorisation for Us to arrange this; and
4 Storage charges for the Bike while awaiting repair or repatriation; and
5 The cost of wheel changes but not for replacement tyres
We will not pay for:
1 Any labour costs other than those incurred at the roadside. We will not pay labour costs at any garage to which the Bike is taken other than under paragraph 3 above; or
2 Repair costs, including labour, if the Bike was in a road traffic accident, damaged by fire or stolen or is uneconomical; or
3 The cost of parts used for roadside or garage repairs; or
4 The cost of any repairs not directly necessary to enable the Bike to continue the journey on the date of the Breakdown; or
5 The cost of any other supplies, including but not limited to specialist equipment.
If We cannot repair the Bike within 12 hours of being notified of a Breakdown, then We will pay for either :
a. Additional accommodation expenses.
A contribution of up to the amount stated in the part entitled Policy Description per person per day towards necessary additional (not alternative) accommodation expenses (room only) while You wait for Your Bike to be repaired, providing the appropriate RAC control centre can confirm repairs will take more than 12 hours, or if it is to be repatriated to the United Kingdom.
We will not pay for:
1 The costs of meals or any other costs. or
b. Journey continuation or return home
If the appropriate RAC control centre can confirm repairs to Your Bike will take more than 12 hours, or if Your Bike is to be repatriated to the United Kingdom, a contribution to travel expenses to allow You to either:
(i) continue the planned journey during the period Your Bike is not roadworthy; or
(ii) return Home by direct route.
Expenses can comprise self-drive car hire up to the limit in the Policy Description including collision damage waiver (see Important self-drive hire car information) and replacement Green Card as necessary, or second/standard class rail, or a combination of both. RAC will in its sole discretion decide which course of action to adopt, but RAC will take into consideration Your preference. You must collect the Bike when repaired as once the Bike is repaired RAC will not pay any expenses other than the costs of collection. This benefit is also available if Your Bike is stolen and not recovered within 24 hours of reporting the matter to the police. A police report must be obtained. However, this benefit will cease if and when Your Bike is recovered in a roadworthy condition.
We will not pay for:
1 Fuel, oil, personal insurance, any collection charge if a hire car is left at a different location to that arranged or any other costs in connection with self-drive hire car.
2 The cost of any car hire beyond the period agreed with the appropriate RAC control centre.
3 Any car hire expenses after Your Bike is repaired except for the direct Journey to return and collect it.
4 First class rail fares.
5 Any costs under this benefit if they are for a service You used at the same time as the above section Additional accommodation expenses.
6 International drop charges where a Vehicle hired from abroad is dropped within the UK.
7 The costs of hiring a motorcycle.
8 Any hire costs not arranged through RAC or agreed by RAC .
If RAC can confirm that repairs cannot be completed by Your planned return date to the United Kingdom and providing the cost of repatriation is not uneconomical We will pay for either:
a. Bike repatriation to the United Kingdom
We will pay for the cost of taking the Bike by road transporter from abroad to Your Home or chosen UK repairer for repair in the UK. When repatriation is authorised it normally takes 10-14 working days for delivery to a UK address from most west European countries. At busy times and from east European countries it may take longer.
We will not pay for:
1 Claims for any repatriation not authorised by the appropriate RAC control centre.
2 The cost of repatriation if this is uneconomical. Repatriation will be uneconomical if it will cost more than the UK market value of Your Bike according to Glasss guide.
3 The cost of repatriation if Your Bike is roadworthy.
4 Any claim if Your Bike is being repatriated and Customs in any country find its contents are breaking the law.
5 Any further costs in connection with the Bike once declared a write-off by us.
or we will pay for:
b. Collection of Bike left abroad for repair
We will pay for the following costs for one person to collect Your Bike, repaired abroad after a
Breakdown:
1 Standard/second class rail fare plus other public transport fares which are necessary to reach the place of collection.
2 Additional homeward cross channel ferry or rail fare for the repaired Bike (calculated by taking the actual fare less the value of any unused homeward portion of Your original cross channel ticket).
3 Up to £30 per night for single room hotel accommodation necessary to complete the round trip limited to room only.
We will not pay for:
1 First class rail fares.
2 The cost of any meals.
3 The costs of more than one person.
Note: The appropriate RAC control centre will make the sole decision whether Your Bike should be repaired abroad for You (or someone nominated by You) to return and collect.
Authority for repatriation or repair
If Your Bike is not able to be ridden due to a road traffic accident, fire, theft, or any damage which You are entitled to have repaired by Your Bike insurer must be reported to them immediately. Your insurers must decide whether to declare the Bike is a write-off, authorise repair abroad or have the Bike repatriated. We cannot repatriate the Bike unless Your insurers first give their permission. We also reserve the right to negotiate with them to reclaim costs incurred. If Your insurers cannot or do not give permission to repatriate then it is Our decision alone whether to declare the Bike a write-off, or repatriate or repair locally a Bike which cannot be ridden as a result of a Breakdown, or as a result of a road traffic accident, fire or theft, for which You do not have fully comprehensive cover.
ADDITIONAL SERVICES
We will pay for the costs of providing the following if applicable:
Spare parts dispatch
If as a result of a Breakdown Your Bike needs parts but these are unavailable locally We will pay for:
1 Freight, handling and ancillary charges for dispatch of spare parts not obtainable locally.
2 The fare for one person to collect parts from the appropriate railway station or airport.
We will not pay for:
The cost of parts themselves, which must be paid on receipt. When telephoning the RAC control centre You will be asked for Your credit card details. Alternatively You will be asked to pay for the part(s) direct to the repairer.
Accidental damage to or loss of tent
We will pay:
A contribution to accommodation expenses if during the Period of Cover You are camping and Your tent is damaged accidentally making it unusable, or it is stolen. Alternatively, We may at Our option authorise the cost of a replacement tent. If Your tent is stolen You must report the theft to the police within 24 hours and obtain a written report.
We will not pay for:
1 The cost of meals or any other costs.
2 Damage caused by weather conditions.
3 The cost of a replacement tent not authorised by Us.
4 Any costs if Your tent was stolen and You do not report the theft to the police within 24 hours and obtain a written report .
Urgent message relay service
We will pay for:
The cost of relaying urgent messages from the appropriate RAC control centre to Your immediate relatives or close business associates if the Bike cannot be ridden because of Breakdown, accident or fire or it is stolen.
We will not pay for:
1 The cost of non urgent messages or messages to persons not described in the previous paragraph.
2 The cost of relaying any urgent message not arranged through the appropriate RAC control centre.
Replacement rider
We will pay for:
The cost of providing a replacement rider to ride Your Bike and Your Party to Your destination or Home, if a registered doctor declares You medically unfit to ride and You are the only qualified rider.
We will not pay:
1 Replacement rider cost if there is another qualified rider in The Party who is fit to ride.
2 For any costs associated with more than one claim per journey abroad
Customs claims indemnity
We will pay for:
1 Continental or Irish Customs claims for duty if:
a. the Bike is beyond economic repair as a result of fire or theft abroad during the Journey and it has to be disposed of abroad under Customs supervision; or
b. it is stolen abroad during the journey and not recovered. RAC will deal with necessary Customs formalities. To arrange, please call: RAC European Support, 0870 5 49 33 20 Monday-Friday 9am-5pm.
We will not pay:
1 Any import duties not relating to the Bike.
POLICY REQUIREMENTS AND LIMITATIONS
A. Service in the UK and Abroad
Credit card details
We will require Your credit card details if We arrange a service for You which is not covered by Your Policy or if it exceeds the Policy limits set out in the part entitled Policy Description and hire cars. If You do not provide Us with Your credit card details RAC will not be able to provide certain services which will be notified to You when credit card details are requested.
Motorcycles
It is not possible for Us to hire a motorcycle if a replacement vehicle is required. A hire car or alternative transport will be arranged, whichever is most suitable. We are also unable to hire a trailer for You to transport Your motorcycle.
Trailers
We do our best to find solutions to motoring problems, but We regret We cannot arrange a replacement trailer in the event of breakdown or accident damage which cannot be repaired. It is also virtually impossible to hire Bikes with tow bars and it may become necessary to repatriate a trailer together with a towing Bike which cannot be repaired abroad by the return date.
Unforeseeable losses or events
We will not be responsible for any unforeseeable losses nor for any indirect losses, consequential losses, losses of profit, loss of revenue or anticipated savings, loss of contracts, losses that were not caused directly by Us, or for any business losses. This does not reduce Your statutory rights to claim compensation in relation to the services We provide. This does not apply to any claim You have for death or personal injury. We do not guarantee the provision of any of the benefits under Your Policy, if there is anything beyond Our reasonable control or the reasonable control of any service provider which prevents Us or a service provider from providing that benefit. Benefits may be refused if You or any of Your Party behaves in a threatening or abusive way to any persons providing service under Your Policy.
Taxi Bookings
In some circumstances it can be quicker and easier for You to arrange a taxi. We may ask You to make Your own arrangements for taxi service. If so please send Your receipts to us and We will reimburse You.
Service providers The garages, breakdown/recovery companies, repairers, car hire companies and other third party service providers whose services are arranged by RAC on Your behalf and/or paid for under the Policy by RAC on Your behalf are not approved by RAC. They are not agents of RAC and RAC cannot be held liable for acts or omissions of such garages or other third parties. You are responsible for authorizing repairs and making sure any repairs to Your Bike are carried out to Your satisfaction.
B. Service Abroad only
Bike insurance
RAC Business European Motoring Assistance is not Bike insurance. We strongly recommend You tell Your motor insurers before taking Your Bike abroad. If You do not, Your insurance policy will only cover You for damage You might cause to other people or their property (third party cover). This means that You will not be covered for any loss or damage to Your Bike. Your insurers will also need to know if You are towing a trailer.
Availability of service in eastern Europe
Every effort is made by RAC to make sure that a good quality service is provided in eastern European countries but this may not necessarily be to the same standards 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. Service in certain countries may become disrupted or unavailable due to prevailing conditions, for which RAC cannot accept liability. Information can be obtained from the Foreign & Commonwealth Office www.fco.gov.uk; or by telephoning The FCO Travel Advice Unit on: 0870 606 0290.
Important self-drive hire car information
Self-drive car hire arranged under Your Policy will be subject to the normal conditions of the hiring company. These will include limitations on rider age, driving convictions and other licence endorsements etc. The rider must also have held a full UK driving licence or equivalent for a minimum of one year (two years for France). Your credit card details will also be required as security for the hire and to cover extras such as top up of the fuel tank when returning the Bike. Car hire companies insist on having credit card details at the time of booking and the card must be produced at the time of hiring the car. The name on the credit card and the name of the rider of the hire Bike must be the same. Switch cards and debit cards are not acceptable. If You leave a hire car at a different location to the one arranged by the RAC control centre You must pay any collection charge which may be made. Please note that many car hire companies across Europe charge a damage excess which is not covered by the collision damage waiver (CDW). This means that if the car is damaged during the hire period You could be liable for the equivalent of the first £150 £550 (approximately) and have Your credit card charged. In some cases the amount could be higher and varies according to hire company, category of hire car and location. The CDW covers the amount above the excess. In some parts of Europe hire cars are not allowed to cross national borders. In Greece and eastern Europe international drop-offs are not permitted.It may be necessary therefore to arrange two hires or alternative transport to complete Your journey. A car hired abroad must not be brought into the United Kingdom. A second car hire will be arranged for the United Kingdom part of Your journey. We cannot guarantee a hire car will be available. We cannot arrange the hire of motorised caravans, motorcycles, convertibles or Bikes with tow bar, roof rack, roof boxes, automatic gearbox, sports cars, 4x4 or luxury class Bikes and cannot guarantee the hire of minibuses or vans. We will not be responsible for any delays in obtaining a hired Bike and cannot guarantee to provide it in time to connect with Your pre-booked ferry, etc. You may have to collect a hired Bike from the nearest available place of supply.
Repayment of credit
You must pay back to Us on demand:
a. any costs We have paid for which You are not covered under Your Policy;
b. the cost of any spare parts supplied.
Spares dispatch
After You have asked the appropriate RAC control centre to dispatch parts You are responsible for paying for them in full, even if You later obtain them locally. We will arrange to dispatch parts as quickly as possible but delays will occur at weekends and bank holidays. We will not be responsible for manufacturers or suppliers errors, loss or damage of parts in transit or any delay in delivery.
Policy Exclusions (Service in the UK and Abroad)
In addition to any limits and exclusions noted elsewhere in Your Policy, Your Policy does not cover;
1 Costs for anything which was not caused by the incident You are claiming for.
2 Bikes which have broken down as a result of taking part in a motor sport event which takes place off the road and/or is not subject to the normal rules of the road or which Breakdown as a result of a motor sport event which takes place on permanent or temporarily constructed race track (e.g. Snetterton, Oulton Park) or rally circuit. For example, Bikes participating in a treasure hunt, touring assembly or navigational road rally which takes place on the road and comply with normal rules of the road are covered but Bikes participating in any off road rally will not be covered.
3 The cost of all parts, garage, labour or other costs in excess of Your Policy limits set out in the part entitled Policy Description. Please note these costs in Europe are likely to be higher than in the UK.
4 Loss caused by any delay, whether the benefit or service is being provided by Us or someone else (for example a garage, hotel, car hire company, carrier, etc).
5 Any incident affecting a Bike hired under the terms of Your Policy.
6 Routine servicing of Your Bike, replacing tyres, missing or broken keys, or replacing windscreens. We may be able to arrange for the provision of these Services but You must pay any costs incurred.
7 Any claim caused directly or indirectly by:
a. Your property being held, taken, returned, destroyed or damaged under the order of any Government or other Authority;
b. war, invasion, civil unrest, revolution, terrorism or any similar event.
8 Any claim caused directly or indirectly by the overloading of Your Bike and/or any trailer.
9 Any claim as a result of Bike Breakdown due to:
a. running out of oil or water;
b. frost damage;
c. rust or corrosion;
d. tyres which are not roadworthy.
e. using the incorrect fuel.
10 Any claim caused directly or indirectly by the effect of intoxicating liquors or drugs.
11 Any claim where Your Bike is being ridden by persons who do not hold a full United Kingdom or other recognised and accepted driving licence.
12 Any claim which You have made successfully under any other policy of insurance held by You. If the value of Your claim is more than the amount You can get from Your other insurance We may pay the difference subject to Policy limits and exclusions.
13 The cost of any transportation, accommodation or care of any animal. Any onward transportation is at our discretion and solely at Your risk. We will not insure any animal during any onward transportation We may undertake.
14 Any period outside Your Period of Cover.
15 Any Bike other than a car, motorcycle 121cc or over, motor caravan, minibus fitted with not more than 17 seats including driver, light van, estate car, MPV or 4 x 4 sport utility Bike and provided that the Bike conforms to the following specification:
maximum legal laden weight of 3,500kg (3.5 tonnes). This weight is called the Gross Bike Mass (GVM);
maximum overall dimensions of: length 5.5m; height 3m; width 2.25m (all including any load carried).
The Bike restrictions apply equally to trailers except that the maximum length of trailers must not exceed 7 m. If the Bike which has suffered a Breakdown is towing a trailer and We provide recovery, the trailer will be recovered together with the Bike to a single destination. Other than as set out above caravans and trailers are not covered by this Policy in the UK. In the Territory if the Bike requires repatriation We will arrange for repatriation of the trailer as well
16 Any claim by You unless You are Resident of the United Kingdom and the Bike is registered with the DVLA in the United Kingdom;
17 Any Bike which is not in roadworthy and in good mechanical condition at least 7 days before any booked trip to Europe within Your Period of Cover. You must also make sure it is serviced as the manufacturer recommends.
18 Any Bike carrying more persons than recommended by the manufacturer.
19 Your Bike if it is unattended.
20 Any personal effects, valuables or luggage left in Your Bike or in any trailer or any other item being towed by or used in conjunction with the Bike. These are Your responsibility.
GENERAL
English law
This Policy is governed exclusively by English Law and any legal disputes in connection with this Policy will be heard in an English Court only. This Policy is a contract between Us and You. We agree to pay for those costs set out in this Policy, which occur during the Period of Cover and for which payment of the appropriate premium has been made and subject to the applicable Policy terms and conditions. Your telephone calls to and from Us may be monitored and recorded for the purposes of staff training and quality assessment. This complies with Ofcom regulations. If the service You require is not provided for under these Terms and Conditions, We will try, if You wish, to arrange it at Your expense. The terms of, and any payment for, any such service are a matter for You and the supplier and We will not act as an agent.
Cancellation
We reserve the right to cancel membership after an appropriate warning without refund, if in our reasonable opinion the service has been abused, mis used or the vehicle inadequately maintained. We or Bennetts may cancel this policy by giving you seven days' notice by recorded delivery. We or Bennetts will send notice of cancellation to your last known address. We will then refund to you a proportionate part of your premium. You may cancel this policy at any time by phone on 0870 333 0008 or by post at Bennetts Customer Services, Fusion House, 165 Corporation Street, Coventry, CV1 1GY. There is no cancellation fee for cancelling within the first 14 days of receiving your policy. Outside of this you may have to pay a cancellation fee. As long as you have not made any claim under this policy we will refund part of the premium. If you cancel the main policy this policy will also be cancelled.
European Claims Procedure and Conditions
When providing assistance We make every effort to meet on Your behalf all costs within the claim limit. However, in some instances You may be asked to pay locally and reclaim costs on Your return to the United Kingdom. There may also be occasions when You arrange and pay for assistance direct and wish to reclaim the cost. RAC European Motoring Assistance claims are handled by RAC European Support, RAC House, 1 Forest Road, Feltham, TW13 7RR telephone 0870 5 49 33 20. If You have paid any cost which You believe is covered under Your Policy, please telephone Us for a claim form immediately on Your return Home, quoting Your Policy reference number. When returning Your completed claim form You should enclose relevant original receipts (not photocopies).
Receipts
You must keep all relevant original receipts (not photocopies) as they will be needed for any claim. We may refuse to pay expenses You are claiming back if You cannot provide original receipts or bills for the items You have paid. Payment of claims depends on You complying with the following conditions for all of Your Policy.
1 You must make any claim on an RAC claim form, please bring Your complaint to Our attention as soon as You can (if possible within 28 days) after You return to the United Kingdom. Claims which are not on an RAC claim form will not be accepted. This does not affect Your statutory rights to take legal action or exercise any other legal remedy.
2 If We pay out money for You under Your Policy We can take over Your right to get that money back. You must cooperate with Us as much as possible if requested by Us.
3 You must do all You can to prevent accident, injury, loss or damage, as if You were not covered under Your Policy.
4 You must forward to Us any writ, summons, legal document or other communication about the claim as soon as You receive them.
5 You must obtain any original receipts, certificates, police reports, evidence, etc and give all the information and help We may need at Your expense. This includes medical certificates and details of Your household insurance if necessary.
6 You must not admit liability or offer or promise payment without Our written permission.
7 You warrant that Your Bike is roadworthy and in good mechanical condition when You apply for Cover and You will keep it in that condition.
8 If any claim is found to be fraudulent in any way Your Policy will be cancelled immediately and all claims forfeited. 9 You must, within 7 days of any request from Us, send to Us copies of any European accident statements (called a Constat damiablein France) and/or any police reports should You use the Policy following a road traffic incident.
Complaints Handling
Complaints procedures
We are committed to providing You with the highest standard of service and customer care. We realise however, that there may be occasions when You feel You did not receive the standard of service You expect. Should You have cause for complaint about any aspect of the service We have provided to You, please contact Us at the relevant address indicated below, where We will work with You to resolve Your complaint.
European related complaints
If Your complaint relates to Services provided abroad please write to: RAC Europe Customer Services, RAC House, 1 Forest Road, Feltham, TW13 7RR Telephone: 0870 405 2252 - Email: ECS@rac.co.uk Please note that the above number should only be used for complaints about Our level of service, once You have returned Home. Any general enquiries relating to repatriation, claims or other matters associated with Our European Service should be directed to RAC European Support on 0870 5 49 33 20 We will deal promptly with Your query. Unless we can satisfactorily resolve Your complaint within 24 hours, we will send You an acknowledgement within 5 working days, along with a leaflet outlining Our complaints procedure, while We investigate Your complaint further. If You have received Our final response to Your complaint or it has been 8 weeks since Your complaint was made to Us, and You remain unhappy, You may be entitled to take Your complaint to the Financial Ombudsman Service (FOS). Complaints that can be taken to the FOS are complaints about RAC Motoring Services insurance mediation activities for Roadside, Recovery and At Home products, and complaints about underwriting and insurance mediation activities for Onward Travel and European Cover. You should
write to: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR The Financial Ombudsman Service is an independent body that arbitrates on complaints about general insurance products. You have 6 months to refer Your complaint. Referral to the Financial Ombudsman Service does not affect Your right to take legal action against RAC Insurance Limited or RAC Motoring Services.
UK related complaints If Your complaint relates to Services provided in the UK please write to: Customer Care RAC Motoring Services RAC House Brockhurst Crescent Walsall WS5 4QZ An acknowledgement that Your complaint has been received will be sent to You within 5 working days following which Your complaint will be investigated on behalf of the Chief Executive. Please quote Your Policy reference and Bike registration agreement number in any communication.

Roadside Rescue
This section is applicable only if the schedule shows that Roadside Rescue cover is included. This section is underwritten by RAC Motoring Services.
DEFINITIONS
Below are certain words that have a specific meaning in this Policy and wherever these words appear they have the following meaning:
Breakdown
means unforeseen mechanical or electrical failure during the Period of Cover in the UK or the Territory which has either immobilized Your Bike or made it unsafe to ride.
Conditions of Claim
means those conditions set out in this Policy.
Home
means the address where You live in the United Kingdom.
The Party/Your Party
means the persons including You, travelling with You on the Bike.
Period of Cover
means the period covered by this Policy being 12 months from the date of payment for this Policy.
Policy
means Your RAC European Motoring Assistance Policy as set out in this document.
Resident of the United Kingdom
means a person living permanently in the United Kingdom or a person employed by a company having its registered office in the United Kingdom.
Territory
means those countries highlighted in the table on page 22
United Kingdom/UK
means England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
Bike
means the Bike specified by You as being eligible to receive services under this Policy.
We/Our/Us/RAC
means RAC Motoring Services and/or RAC Insurance Limited.
You/Your
means the person named on the Bennetts bike insurance policy when riding the Bike or any other person riding the Bike with the owners consent.
POLICY PROVIDERS
Certain of the benefits and services provided under Your Policy are insurance products as defined under the Financial Services and Markets Act 2000. Such benefits and services are provided by RAC Motoring Services, company registration number 1424399, whose registered office is at RAC House, 1 Forest Road, Feltham, TW13 7RR RAC Motoring Services (in respect of insurance mediation activities only) is authorised and regulated by the Financial Services Authority and within the jurisdiction of the Financial Ombudsman Service and Financial Services Compensation Scheme.
DETAILS OF SERVICES
Service in the UK
UK Claims Procedure and Conditions
If You are unfortunate enough to Breakdown, please follow these simple steps:
1. Telephone RAC on the following helpline number 0800 058 2368
2. Advise the operator that you are a Bennetts policyholder
3. Quote your Bike registration number
4. Advise the operator of the location of Your Bike and the nature of the fault. RAC will then advise how to proceed and what form of assistance would be the most appropriate. Remember to always call RAC first. Please do not go ahead and make Your own arrangements as RAC cannot reimburse costs incurred without prior authorisation.
Bikeguard
Bikeguard operates in the UK. If You are stranded on a public highway (or other road or area to which the public has the right of access) because Your Bike has had a Breakdown, We will send an RAC patrol or contractor to help You. We will try to repair Your Bike at the roadside. Bikeguard includes labour at the scene of the Breakdown (but not labour at any garage to which the Bike is taken). If We cannot repair the Bike at the roadside, and We believe repairs are unwise or cannot be completed within a reasonable time, We will take the Bike to a destination of Your choice within 10 miles from the scene of the Breakdown. If You have no preferred destination, We will take the Bike to a nearby garage. If You wish the Bike to be taken to any other destination, You will have to pay for the towage costs for the whole distance. If You need to leave Your Bike at the garage We will reimburse You for taxi fares up to 20 miles (a receipt must be obtained).
Bikeguard does not cover:
Breakdowns which would be prevented by routine servicing of Your Bike
Replacing tyres or windscreens
Missing or broken keys. We will try to arrange the services of a locksmith but You will have to pay for them
The cost of ferry crossings, road toll and congestion charges
Bikes being demonstrated or delivered by motor traders, or used under trade plates
Bikes, which, according to our patrol or contractor, had broken down or were unroadworthy before You took out Your Policy
Bikes, which break down within 1/4 mile of Your Home address or where You normally keep the Bike
Contaminated fuel problems. We will arrange for Your Bike to be taken to a local garage for assistance, but You will have to pay for the work carried out
The cost of parts, fuel or other supplies
Any Bike storage charges incurred when You are using Our services.
Labour at any garage to which the Bike is taken
Breakdown caused by or following an accident, fire, theft or act of vandalism. If You call Us for assistance following such an incident You will be liable to pay Us for removal. (Subject to the terms of Your insurance policy, You can then reclaim these costs through Your insurance)
The tow or transport of any Bike, which, in Our reasonable opinion, is loaded beyond its legal limit.
Any Bike in a position where We cannot work on it or tow it, or wheels have been removed, We can arrange to rectify this but You will have to pay the costs involved.
Any animals in Your Bike, please note that their onward transportation is at Our discretion and solely at Your risk. We will not insure any animal, including livestock in transit, during any onward transportation We undertake.
Bikeguard Plus
Bikeguard Plus is only available in the UK. Bikeguard Plus has the same terms and conditions as Bikeguard but with the following variations: If We cannot get Your Bike repaired locally within what We deem to be a reasonable time, We will take the Bike, rider and passenger Home or to a single address anywhere else. You can use Bikeguard Plus if You are ill, and there are no passengers who can ride the Bike, so that You cannot continue Your trip. You must show Us a doctors medical certificate confirming Your inability to ride (in these cases, We will provide this service as We see fit). Bikeguard Plus does not cover:
- Any Bike which in Our reasonable opinion was broken down or unroadworthy at the time You took out Your Policy.
- The use of Recovery as a way to avoid paying repair costs.
- A second Recovery if We consider that the original fault of a first Recovery has not been properly repaired.
- Service within 24 hours of commencement of this Policy.
At Home
At Home is only available in the UK. At Home has the same terms and conditions as Bikeguard but with the following variations: At Home allows You to use Bikeguard within 1/4 mile of Your Home address or where You normally keep the Bike.
At Home does not cover:
- the rectifying of failed or attempted repairs;
- the reimbursement of taxi fares;
- Service within 24 hours of commencement this Policy;
Onward Travel
Onward Travel is available in the UK only. Onward Travel benefits must be arranged at the time of Breakdown and cannot be requested later. You are entitled to one of the following extra benefits once We have decided that We cannot get the Bike repaired locally:
- Replacement car hire
- Alternative transport costs
- Hotel accommodation You can use the Onward Travel benefits from Your Home address or within a quarter of a mile of Your home address. This excludes incidents where We have been called to rectify failed repairs.
Replacement car hire
We will pay for:
Up to Three days hire cost of a manual car up to 1600cc for the duration of the repairs to the Bike in accordance with Your Onward Travel entitlement, for one incident
Insurance (including collision damage waiver)
Replacement car hire is subject to availability and Our suppliers terms and conditions, which will usually include:
1. Age limits
2. The need to have a current driving license, and, if held, a driving license photo card, with You
3. Limits on acceptable endorsements
4. The need to provide a valid credit card number (Alternatively, the car rental provider will require a deposit of no less than £50 and may also undertake a simple credit check, before releasing the Bike to You) Hire cars are not usually available with a tow bar, and therefore Your trailer will, if eligible, be recovered under Bikeguard Plus with Your broken down Bike. If We decide that a hire car is not a practicable solution for any reason, hotel accommodation or alternative transport will be provided instead. Alternative transport We will reimburse You for standard class rail or other transport of our choice for rider and passenger to reach the end of their journey within the UK. We will pay up to £150 a person. Hotel accommodation We will arrange and reimburse You for one nights bed and breakfast for rider and passenger in a hotel of our choice. We will pay up to £150 a person. You will have to pay for any extra hotel or transport costs. Special medical assistance Onward Travel also provides special medical assistance. If You or Your passenger is taken into hospital more than 20 miles from home We will arrange and pay for overnight accommodation for the other passengers as described in Hotel accommodation above. We will also arrange for an ambulance to take the patient to a local hospital near to their home once medical permission has been given. Special medical assistance is not available for planned hospital visits.
What is not covered:
A second use of the Onward Travel benefits if the original fault has not been properly repaired.
Other charges arising from Your use of the hire car, such as fuel costs, deposit, any insurance excess charges, collecting and returning the Bike and any costs due to You keeping the car after the agreed period of hire (You must settle these charges directly with the supplier).
If You require a second or any other type of Bike We will try to arrange this for You, You will have to pay for any additional costs.
If You are unfortunate enough to have an incident with the hire Bike and You make an insurance claim, You will be responsible for paying any excess.
Service within 24 hours of commencement of this Policy.
Breakdowns in the UK resulting from road traffic accidents, vandalism, fire or theft .
European Cover
The service covers UK registered Bikes and is available throughout the Territory.
Service while abroad
1 How To Obtain Assistance In Europe
To obtain help in the event of a Breakdown, accident, fire or theft, or if the only qualified rider is medically unfit to ride, please call the RAC control centre listed under 2 below and state that You have European Cover and give the following information:
- Your name
- Your policy number
- Your location and telephone number if You are on a MOTORWAY see also note 3 below
- The make and registration number of Your Bike.
2 Please call:
UK 0800 058 2368 (freephone) France & Monaco 0800 290 112 (freephone within France and Monaco only) 0472 43 52 55 (pay call) Republic of Ireland 1 800 535 005 (freephone) Rest of Europe 00 33 472 43 52 55 (pay call) Macedonia 99 33 472 43 52 55 (pay call) Armenia, Azerbaijan, Belarus, Georgia, Lithuania, Moldova, Russia, Ukraine 810 33 472 43 52 55 (pay call) The telephone numbers are correct at the time of printing Dec 05.
3 Breakdowns on Motorways
On continental motorways (including service areas) You MUST use the roadside emergency telephones. You cannot call RAC control centres from these. You will be connected to the police or authorised motorway service, who will send a breakdown recovery Bike. However, this will only be to the recovery companys own depot if they cannot fix Your Bike - contact RAC using the numbers at 2 above as soon as You can, if possible from the recovery companys depot. You may have to pay labour and towing charges on the spot - an authorised tariff is normally applicable. These items are covered and You should obtain a receipt to claim a refund on Your return home.
Mobile and car phones
RAC will not re-imburse the cost of any telephone calls you make in connection with any Breakdown under this Policy (including mobile phone calls) . It may not be possible for an RAC control centre to call a mobile or car phone but when it is, You may still have to pay the cost of any international call. Some service providers charge for calls to freephone numbers. The regulations on the use of mobile and car phones vary from country to country. Please check with Your service provider that Your phone meets the requirements and standards for the countries in which You are travelling.
Policy Description
Service in the UK
Product Limitation
- Roadside assistance Repair at the roadside or recovery to the nearest garage capable of performing repairs or home
- Journey continuation Replacement Vehicle to a maximum of £750
Service while abroad
Product Limitation
- Roadside assistance Repair at the roadside or recovery to the nearest garage capable of performing repairs
- Spare parts dispatch
- Additional accommodation expenses - £30 per person per day
- Journey continuation or return home - Maximum of 14 days car hire or second class rail fare
- Replacement rider
- Bike break-in, emergency repair
- Accidental damage to or loss of tent - £30 per person per day
- Urgent message relay service
- Bike repatriation to United Kingdom - Limited to the value of the Bike being UK Glasss guide.
- Customs claims indemnity
Service after return home
Product Limitation
- Collection of Bike left abroad for repair - £600
There is an overall policy limit of £2500 applied to this Policy.
You are covered for any number of trips, each up to 90 days in duration but not for longer stays and provided the outward and return journeys are completed in the Period of Cover. In the event of a Breakdown We will pay for the following subject to the limitations for each section as described in the policy description:
European Roadside assistance
Service in the UK
If You are stranded on a public highway through Breakdown of Your Bike on the outward journey from Home to Your point of departure or on the inward journey from Your point of entry to Home We will provide Bikeguard and Bikeguard Plus in accordance with Your UK entitlement. In addition We will pay a contribution of up to £750, towards the cost of self-drive hire car including collision damage waiver and replacement Green Card as necessary, to complete the planned journey if RAC confirms Your Bike cannot be repaired within 24 hours.
Service whilst abroad
We will pay for:
1 Attendance of local breakdown or garage services to repair the Bike at the roadside if possible; or
2 tow it from the place of Breakdown or accident to the nearest local repairer where You may arrange repairs; and
3 Either:
a. a contribution towards labour charges at a garage if it is possible to effect the repairs necessary to enable the Bike to continue the journey on the date of Breakdown; or
b. Inspection fees, in the event of a Breakdown, to confirm that the Bike cannot be repaired by Your return travel date and Your request for assistance will include authorisation for Us to arrange this; and
4 Storage charges for the Bike while awaiting repair or repatriation; and
5 The cost of wheel changes but not for replacement tyres
We will not pay for:
1 Any labour costs other than those incurred at the roadside. We will not pay labour costs at any garage to which the Bike is taken other than under paragraph 3 above; or
2 Repair costs, including labour, if the Bike was in a road traffic accident, damaged by fire or stolen or is uneconomical; or
3 The cost of parts used for roadside or garage repairs; or
4 The cost of any repairs not directly necessary to enable the Bike to continue the journey on the date of the Breakdown; or
5 The cost of any other supplies, including but not limited to specialist equipment.
If We cannot repair the Bike within 12 hours of being notified of a Breakdown, then We will pay for either :
a. Additional accommodation expenses.
A contribution of up to the amount stated in the part entitled Policy Description per person per day towards necessary additional (not alternative) accommodation expenses (room only) while You wait for Your Bike to be repaired, providing the appropriate RAC control centre can confirm repairs will take more than 12 hours, or if it is to be repatriated to the United Kingdom.
We will not pay for:
1 The costs of meals or any other costs. or
b. Journey continuation or return home
If the appropriate RAC control centre can confirm repairs to Your Bike will take more than 12 hours, or if Your Bike is to be repatriated to the United Kingdom, a contribution to travel expenses to allow You to either:
(i) continue the planned journey during the period Your Bike is not roadworthy; or
(ii) return Home by direct route.
Expenses can comprise self-drive car hire up to the limit in the Policy Description including collision damage waiver (see Important self-drive hire car information) and replacement Green Card as necessary, or second/standard class rail, or a combination of both. RAC will in its sole discretion decide which course of action to adopt, but RAC will take into consideration Your preference. You must collect the Bike when repaired as once the Bike is repaired RAC will not pay any expenses other than the costs of collection. This benefit is also available if Your Bike is stolen and not recovered within 24 hours of reporting the matter to the police. A police report must be obtained. However, this benefit will cease if and when Your Bike is recovered in a roadworthy condition.
We will not pay for:
1 Fuel, oil, personal insurance, any collection charge if a hire car is left at a different location to that arranged or any other costs in connection with self-drive hire car.
2 The cost of any car hire beyond the period agreed with the appropriate RAC control centre.
3 Any car hire expenses after Your Bike is repaired except for the direct Journey to return and collect it.
4 First class rail fares.
5 Any costs under this benefit if they are for a service You used at the same time as the above section Additional accommodation expenses.
6 International drop charges where a Vehicle hired from abroad is dropped within the UK.
7 The costs of hiring a motorcycle.
8 Any hire costs not arranged through RAC or agreed by RAC .
If RAC can confirm that repairs cannot be completed by Your planned return date to the United Kingdom and providing the cost of repatriation is not uneconomical We will pay for either:
a. Bike repatriation to the United Kingdom
We will pay for the cost of taking the Bike by road transporter from abroad to Your Home or chosen UK repairer for repair in the UK. When repatriation is authorised it normally takes 10-14 working days for delivery to a UK address from most west European countries. At busy times and from east European countries it may take longer.
We will not pay for:
1 Claims for any repatriation not authorised by the appropriate RAC control centre.
2 The cost of repatriation if this is uneconomical. Repatriation will be uneconomical if it will cost more than the UK market value of Your Bike according to Glasss guide.
3 The cost of repatriation if Your Bike is roadworthy.
4 Any claim if Your Bike is being repatriated and Customs in any country find its contents are breaking the law.
5 Any further costs in connection with the Bike once declared a write-off by us.
or we will pay for:
b. Collection of Bike left abroad for repair
We will pay for the following costs for one person to collect Your Bike, repaired abroad after a
Breakdown:
1 Standard/second class rail fare plus other public transport fares which are necessary to reach the place of collection.
2 Additional homeward cross channel ferry or rail fare for the repaired Bike (calculated by taking the actual fare less the value of any unused homeward portion of Your original cross channel ticket).
3 Up to £30 per night for single room hotel accommodation necessary to complete the round trip limited to room only.
We will not pay for:
1 First class rail fares.
2 The cost of any meals.
3 The costs of more than one person.
Note: The appropriate RAC control centre will make the sole decision whether Your Bike should be repaired abroad for You (or someone nominated by You) to return and collect.
Authority for repatriation or repair
If Your Bike is not able to be ridden due to a road traffic accident, fire, theft, or any damage which You are entitled to have repaired by Your Bike insurer must be reported to them immediately. Your insurers must decide whether to declare the Bike is a write-off, authorise repair abroad or have the Bike repatriated. We cannot repatriate the Bike unless Your insurers first give their permission. We also reserve the right to negotiate with them to reclaim costs incurred. If Your insurers cannot or do not give permission to repatriate then it is Our decision alone whether to declare the Bike a write-off, or repatriate or repair locally a Bike which cannot be ridden as a result of a Breakdown, or as a result of a road traffic accident, fire or theft, for which You do not have fully comprehensive cover.
ADDITIONAL SERVICES
We will pay for the costs of providing the following if applicable:
Spare parts dispatch
If as a result of a Breakdown Your Bike needs parts but these are unavailable locally We will pay for:
1 Freight, handling and ancillary charges for dispatch of spare parts not obtainable locally.
2 The fare for one person to collect parts from the appropriate railway station or airport.
We will not pay for:
The cost of parts themselves, which must be paid on receipt. When telephoning the RAC control centre You will be asked for Your credit card details. Alternatively You will be asked to pay for the part(s) direct to the repairer.
Accidental damage to or loss of tent
We will pay:
A contribution to accommodation expenses if during the Period of Cover You are camping and Your tent is damaged accidentally making it unusable, or it is stolen. Alternatively, We may at Our option authorise the cost of a replacement tent. If Your tent is stolen You must report the theft to the police within 24 hours and obtain a written report.
We will not pay for:
1 The cost of meals or any other costs.
2 Damage caused by weather conditions.
3 The cost of a replacement tent not authorised by Us.
4 Any costs if Your tent was stolen and You do not report the theft to the police within 24 hours and obtain a written report .
Urgent message relay service
We will pay for:
The cost of relaying urgent messages from the appropriate RAC control centre to Your immediate relatives or close business associates if the Bike cannot be ridden because of Breakdown, accident or fire or it is stolen.
We will not pay for:
1 The cost of non urgent messages or messages to persons not described in the previous paragraph.
2 The cost of relaying any urgent message not arranged through the appropriate RAC control centre.
Replacement rider
We will pay for:
The cost of providing a replacement rider to ride Your Bike and Your Party to Your destination or Home, if a registered doctor declares You medically unfit to ride and You are the only qualified rider.
We will not pay:
1 Replacement rider cost if there is another qualified rider in The Party who is fit to ride.
2 For any costs associated with more than one claim per journey abroad
Customs claims indemnity
We will pay for:
1 Continental or Irish Customs claims for duty if:
a. the Bike is beyond economic repair as a result of fire or theft abroad during the Journey and it has to be disposed of abroad under Customs supervision; or
b. it is stolen abroad during the journey and not recovered. RAC will deal with necessary Customs formalities. To arrange, please call: RAC European Support, 0870 5 49 33 20 Monday-Friday 9am-5pm.
We will not pay:
1 Any import duties not relating to the Bike.
POLICY REQUIREMENTS AND LIMITATIONS
A. Service in the UK and Abroad
Credit card details
We will require Your credit card details if We arrange a service for You which is not covered by Your Policy or if it exceeds the Policy limits set out in the part entitled Policy Description and hire cars. If You do not provide Us with Your credit card details RAC will not be able to provide certain services which will be notified to You when credit card details are requested.
Motorcycles
It is not possible for Us to hire a motorcycle if a replacement vehicle is required. A hire car or alternative transport will be arranged, whichever is most suitable. We are also unable to hire a trailer for You to transport Your motorcycle.
Trailers
We do our best to find solutions to motoring problems, but We regret We cannot arrange a replacement trailer in the event of breakdown or accident damage which cannot be repaired. It is also virtually impossible to hire Bikes with tow bars and it may become necessary to repatriate a trailer together with a towing Bike which cannot be repaired abroad by the return date.
Unforeseeable losses or events
We will not be responsible for any unforeseeable losses nor for any indirect losses, consequential losses, losses of profit, loss of revenue or anticipated savings, loss of contracts, losses that were not caused directly by Us, or for any business losses. This does not reduce Your statutory rights to claim compensation in relation to the services We provide. This does not apply to any claim You have for death or personal injury. We do not guarantee the provision of any of the benefits under Your Policy, if there is anything beyond Our reasonable control or the reasonable control of any service provider which prevents Us or a service provider from providing that benefit. Benefits may be refused if You or any of Your Party behaves in a threatening or abusive way to any persons providing service under Your Policy.
Taxi Bookings
In some circumstances it can be quicker and easier for You to arrange a taxi. We may ask You to make Your own arrangements for taxi service. If so please send Your receipts to us and We will reimburse You.
Service providers The garages, breakdown/recovery companies, repairers, car hire companies and other third party service providers whose services are arranged by RAC on Your behalf and/or paid for under the Policy by RAC on Your behalf are not approved by RAC. They are not agents of RAC and RAC cannot be held liable for acts or omissions of such garages or other third parties. You are responsible for authorizing repairs and making sure any repairs to Your Bike are carried out to Your satisfaction.
B. Service Abroad only
Bike insurance
RAC Business European Motoring Assistance is not Bike insurance. We strongly recommend You tell Your motor insurers before taking Your Bike abroad. If You do not, Your insurance policy will only cover You for damage You might cause to other people or their property (third party cover). This means that You will not be covered for any loss or damage to Your Bike. Your insurers will also need to know if You are towing a trailer.
Availability of service in eastern Europe
Every effort is made by RAC to make sure that a good quality service is provided in eastern European countries but this may not necessarily be to the same standards 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. Service in certain countries may become disrupted or unavailable due to prevailing conditions, for which RAC cannot accept liability. Information can be obtained from the Foreign & Commonwealth Office www.fco.gov.uk; or by telephoning The FCO Travel Advice Unit on: 0870 606 0290.
Important self-drive hire car information
Self-drive car hire arranged under Your Policy will be subject to the normal conditions of the hiring company. These will include limitations on rider age, driving convictions and other licence endorsements etc. The rider must also have held a full UK driving licence or equivalent for a minimum of one year (two years for France). Your credit card details will also be required as security for the hire and to cover extras such as top up of the fuel tank when returning the Bike. Car hire companies insist on having credit card details at the time of booking and the card must be produced at the time of hiring the car. The name on the credit card and the name of the rider of the hire Bike must be the same. Switch cards and debit cards are not acceptable. If You leave a hire car at a different location to the one arranged by the RAC control centre You must pay any collection charge which may be made. Please note that many car hire companies across Europe charge a damage excess which is not covered by the collision damage waiver (CDW). This means that if the car is damaged during the hire period You could be liable for the equivalent of the first £150 £550 (approximately) and have Your credit card charged. In some cases the amount could be higher and varies according to hire company, category of hire car and location. The CDW covers the amount above the excess. In some parts of Europe hire cars are not allowed to cross national borders. In Greece and eastern Europe international drop-offs are not permitted.It may be necessary therefore to arrange two hires or alternative transport to complete Your journey. A car hired abroad must not be brought into the United Kingdom. A second car hire will be arranged for the United Kingdom part of Your journey. We cannot guarantee a hire car will be available. We cannot arrange the hire of motorised caravans, motorcycles, convertibles or Bikes with tow bar, roof rack, roof boxes, automatic gearbox, sports cars, 4x4 or luxury class Bikes and cannot guarantee the hire of minibuses or vans. We will not be responsible for any delays in obtaining a hired Bike and cannot guarantee to provide it in time to connect with Your pre-booked ferry, etc. You may have to collect a hired Bike from the nearest available place of supply.
Repayment of credit
You must pay back to Us on demand:
a. any costs We have paid for which You are not covered under Your Policy;
b. the cost of any spare parts supplied.
Spares dispatch
After You have asked the appropriate RAC control centre to dispatch parts You are responsible for paying for them in full, even if You later obtain them locally. We will arrange to dispatch parts as quickly as possible but delays will occur at weekends and bank holidays. We will not be responsible for manufacturers or suppliers errors, loss or damage of parts in transit or any delay in delivery.
Policy Exclusions (Service in the UK and Abroad)
In addition to any limits and exclusions noted elsewhere in Your Policy, Your Policy does not cover;
1 Costs for anything which was not caused by the incident You are claiming for.
2 Bikes which have broken down as a result of taking part in a motor sport event which takes place off the road and/or is not subject to the normal rules of the road or which Breakdown as a result of a motor sport event which takes place on permanent or temporarily constructed race track (e.g. Snetterton, Oulton Park) or rally circuit. For example, Bikes participating in a treasure hunt, touring assembly or navigational road rally which takes place on the road and comply with normal rules of the road are covered but Bikes participating in any off road rally will not be covered.
3 The cost of all parts, garage, labour or other costs in excess of Your Policy limits set out in the part entitled Policy Description. Please note these costs in Europe are likely to be higher than in the UK.
4 Loss caused by any delay, whether the benefit or service is being provided by Us or someone else (for example a garage, hotel, car hire company, carrier, etc).
5 Any incident affecting a Bike hired under the terms of Your Policy.
6 Routine servicing of Your Bike, replacing tyres, missing or broken keys, or replacing windscreens. We may be able to arrange for the provision of these Services but You must pay any costs incurred.
7 Any claim caused directly or indirectly by:
a. Your property being held, taken, returned, destroyed or damaged under the order of any Government or other Authority;
b. war, invasion, civil unrest, revolution, terrorism or any similar event.
8 Any claim caused directly or indirectly by the overloading of Your Bike and/or any trailer.
9 Any claim as a result of Bike Breakdown due to:
a. running out of oil or water;
b. frost damage;
c. rust or corrosion;
d. tyres which are not roadworthy.
e. using the incorrect fuel.
10 Any claim caused directly or indirectly by the effect of intoxicating liquors or drugs.
11 Any claim where Your Bike is being ridden by persons who do not hold a full United Kingdom or other recognised and accepted driving licence.
12 Any claim which You have made successfully under any other policy of insurance held by You. If the value of Your claim is more than the amount You can get from Your other insurance We may pay the difference subject to Policy limits and exclusions.
13 The cost of any transportation, accommodation or care of any animal. Any onward transportation is at our discretion and solely at Your risk. We will not insure any animal during any onward transportation We may undertake.
14 Any period outside Your Period of Cover.
15 Any Bike other than a car, motorcycle 121cc or over, motor caravan, minibus fitted with not more than 17 seats including driver, light van, estate car, MPV or 4 x 4 sport utility Bike and provided that the Bike conforms to the following specification:
maximum legal laden weight of 3,500kg (3.5 tonnes). This weight is called the Gross Bike Mass (GVM);
maximum overall dimensions of: length 5.5m; height 3m; width 2.25m (all including any load carried).
The Bike restrictions apply equally to trailers except that the maximum length of trailers must not exceed 7 m. If the Bike which has suffered a Breakdown is towing a trailer and We provide recovery, the trailer will be recovered together with the Bike to a single destination. Other than as set out above caravans and trailers are not covered by this Policy in the UK. In the Territory if the Bike requires repatriation We will arrange for repatriation of the trailer as well
16 Any claim by You unless You are Resident of the United Kingdom and the Bike is registered with the DVLA in the United Kingdom;
17 Any Bike which is not in roadworthy and in good mechanical condition at least 7 days before any booked trip to Europe within Your Period of Cover. You must also make sure it is serviced as the manufacturer recommends.
18 Any Bike carrying more persons than recommended by the manufacturer.
19 Your Bike if it is unattended.
20 Any personal effects, valuables or luggage left in Your Bike or in any trailer or any other item being towed by or used in conjunction with the Bike. These are Your responsibility.
GENERAL
English law
This Policy is governed exclusively by English Law and any legal disputes in connection with this Policy will be heard in an English Court only. This Policy is a contract between Us and You. We agree to pay for those costs set out in this Policy, which occur during the Period of Cover and for which payment of the appropriate premium has been made and subject to the applicable Policy terms and conditions. Your telephone calls to and from Us may be monitored and recorded for the purposes of staff training and quality assessment. This complies with Ofcom regulations. If the service You require is not provided for under these Terms and Conditions, We will try, if You wish, to arrange it at Your expense. The terms of, and any payment for, any such service are a matter for You and the supplier and We will not act as an agent.
Cancellation
We reserve the right to cancel membership after an appropriate warning without refund, if in our reasonable opinion the service has been abused, misused or the vehicle inadequately maintained. We or Bennetts may cancel this policy by giving you seven days' notice by recorded delivery. We or Bennetts will send notice of cancellation to your last known address. We will then refund to you a proportionate part of your premium. You may cancel this policy at any time by phone on 0870 333 0008 or by post at Bennetts Customer Services, Fusion House, 165 Corporation Street, Coventry, CV1 1GY. There is no cancellation fee for cancelling within the first 14 days of receiving your policy. Outside of this you may have to pay a cancellation fee. As long as you have not made any claim under this policy we will refund part of the premium. If you cancel the main policy this policy will also be cancelled.
European Claims Procedure and Conditions
When providing assistance We make every effort to meet on Your behalf all costs within the claim limit. However, in some instances You may be asked to pay locally and reclaim costs on Your return to the United Kingdom. There may also be occasions when You arrange and pay for assistance direct and wish to reclaim the cost. RAC European Motoring Assistance claims are handled by RAC European Support, RAC House, 1 Forest Road, Feltham, TW13 7RR telephone 0870 5 49 33 20. If You have paid any cost which You believe is covered under Your Policy, please telephone Us for a claim form immediately on Your return Home, quoting Your Policy reference number. When returning Your completed claim form You should enclose relevant original receipts (not photocopies).
Receipts
You must keep all relevant original receipts (not photocopies) as they will be needed for any claim. We may refuse to pay expenses You are claiming back if You cannot provide original receipts or bills for the items You have paid. Payment of claims depends on You complying with the following conditions for all of Your Policy.
1 You must make any claim on an RAC claim form, please bring Your complaint to Our attention as soon as You can (if possible within 28 days) after You return to the United Kingdom. Claims which are not on an RAC claim form will not be accepted. This does not affect Your statutory rights to take legal action or exercise any other legal remedy.
2 If We pay out money for You under Your Policy We can take over Your right to get that money back. You must cooperate with Us as much as possible if requested by Us.
3 You must do all You can to prevent accident, injury, loss or damage, as if You were not covered under Your Policy.
4 You must forward to Us any writ, summons, legal document or other communication about the claim as soon as You receive them.
5 You must obtain any original receipts, certificates, police reports, evidence, etc and give all the information and help We may need at Your expense. This includes medical certificates and details of Your household insurance if necessary.
6 You must not admit liability or offer or promise payment without Our written permission.
7 You warrant that Your Bike is roadworthy and in good mechanical condition when You apply for Cover and You will keep it in that condition.
8 If any claim is found to be fraudulent in any way Your Policy will be cancelled immediately and all claims forfeited. 9 You must, within 7 days of any request from Us, send to Us copies of any European accident statements (called a Constat damiablein France) and/or any police reports should You use the Policy following a road traffic incident.
Complaints Handling
Complaints procedures
We are committed to providing You with the highest standard of service and customer care. We realise however, that there may be occasions when You feel You did not receive the standard of service You expect. Should You have cause for complaint about any aspect of the service We have provided to You, please contact Us at the relevant address indicated below, where We will work with You to resolve Your complaint.
European related complaints
If Your complaint relates to Services provided abroad please write to: RAC Europe Customer Services, RAC House, 1 Forest Road, Feltham, TW13 7RR Telephone: 0870 405 2252 - Email: ECS@rac.co.uk Please note that the above number should only be used for complaints about Our level of service, once You have returned Home. Any general enquiries relating to repatriation, claims or other matters associated with Our European Service should be directed to RAC European Support on 0870 5 49 33 20 We will deal promptly with Your query. Unless we can satisfactorily resolve Your complaint within 24 hours, we will send You an acknowledgement within 5 working days, along with a leaflet outlining Our complaints procedure, while We investigate Your complaint further. If You have received Our final response to Your complaint or it has been 8 weeks since Your complaint was made to Us, and You remain unhappy, You may be entitled to take Your complaint to the Financial Ombudsman Service (FOS). Complaints that can be taken to the FOS are complaints about RAC Motoring Services insurance mediation activities for Roadside, Recovery and At Home products, and complaints about underwriting and insurance mediation activities for Onward Travel and European Cover. You should
write to: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR The Financial Ombudsman Service is an independent body that arbitrates on complaints about general insurance products. You have 6 months to refer Your complaint. Referral to the Financial Ombudsman Service does not affect Your right to take legal action against RAC Insurance Limited or RAC Motoring Services.
UK related complaints If Your complaint relates to Services provided in the UK please write to: Customer Care RAC Motoring Services RAC House Brockhurst Crescent Walsall WS5 4QZ An acknowledgement that Your complaint has been received will be sent to You within 5 working days following which Your complaint will be investigated on behalf of the Chief Executive. Please quote Your Policy reference and Bike registration agreement number in any communication.

SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if your motorcycle is stolen, damaged or destroyed, we will, at our option, either:
- pay for your motorcycle to be repaired
- or replace your motorcycle
- or pay 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 we will pay will be the market value of your motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your policy schedule. If to our knowledge, your motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to us.
Accident Recovery
If your motorcycle is disabled through loss or damage insured under this policy we will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to you after repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain.
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 or credit sale agreements (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 1 of Your Policy
Your policy does not cover the following:
1 loss of use, wear and tear, depreciation, deterioration.
2 mechanical, electrical, electronic, computer failures or breakdowns or breakages.
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 of 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.
9 the first amount of any claim specified under excess details in the schedule.

SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
The maximum amount we will pay will be the market value of your motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your policy schedule. If to our knowledge, your motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to us.

Section 1
Loss or Damage
Accident Recovery
If your motorcycle is disabled through loss or damage insured under this policy we will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to you after repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain.

SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if your motorcycle is stolen, damaged or destroyed, we will, at our option, either: pay for your motorcycle to be repaired or replace your motorcycle or pay 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 we will pay will be the market value of your motorcycle. immediately prior to the loss but not exceeding your estimate of value shown on your policy schedule.If to our knowledge, your motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to us.
Accident Recovery
If your motorcycle is disabled through loss or damage insured under this policy we will pay: the reasonable cost of protection and removal to the nearest repairers. the reasonable cost of delivery to you after repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain.
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 or credit sale agreements (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 1 of Your Policy
Your policy does not cover the following:
1 loss of use, wear and tear, depreciation, deterioration.
2 mechanical, electrical, electronic, computer failures or breakdowns or breakages.
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 of 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.
9 the first amount of any claim specified under excess details in the schedule .

Section 1
Loss or Damage
Accident Recovery
If your motorcycle is disabled through loss or damage insured under this policy we will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to you after repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain.

SECTION 1 Loss or damage
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 or credit sale agreements (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.

Payment Options
We offer a number of options for paying for your insurance if you do not wish to pay online then please call us free on 0800 056 3843 with your personal quote reference number.
Annual Payments
Can be made by credit/debit card online, or over the phone. If you want immediate cover then this can only be made by credit/debit card payment through this web site or over the phone.Please note that payment will be debited on or around the day requested even if you require the cover to start at a later date.
Privacy & Security
Monthly Payments
This allows you to split the cost of your insurance in instalments over the year. Bennetts operates a credit scheme for this but your insurance is still calculated over a year not on a monthly basis. There is a charge for paying by instalments and the current APR is 33.8%, which equates to about 14% of your annual premium.To pay by instalments you need to pay us an initial deposit and then set up a direct debit from your bank account for the remaining 11 months.
Please note we cannot provide monthly payments in the following circumstances:
-You are under 18 years of age
-The annual cost of your insurance is less than £130
-We are unable to because of your credit history