Carole Nash Motorcycle Insurance

Section 2 - Loss of, or damage to , your motorcycle
The most we wil pay for your motorcycle
We will not pay more than the market value of your motorcycle (including any accessories and spare parts) at the time of the loss or damage, less any excess that may apply, unless there is an agreed value for your motorcycle shown on your schedule.
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Section 4 - Travelling abroad
What we will cover
Your policy automatically provides the cover you have chosen (comprehensive, third party fire and theft or third party only) within the territorial limits. See the 'Definitions section.
Minimum cover outside the territorial limits
This policy also provides the minimum cover you need by law to use your motorcycle in any country not in the European Union which the Commission of the European Union approves as meeting the conditions of Article 7 (2) of the Directive on Insurance of Civil Liabilities arising from using motor vehicles (72/166/EEC). If you need more than the minimum cover outside the territorial limits and we agree to give you this cover, as
long as you pay any extra premium we ask for we will give you an international insurance certificate (Green Card) which proves you are insured for the time you will be away.
Customs duty and delivery costs
If your motorcycle is within the territorial limits, and is not fit to ride because of loss or damage covered by this policy and we agree beforehand, we will pay:
- the reasonable cost of delivering it to your address in the United Kingdom, or in the Republic of Ireland if you are resident there ; and
- any customs duty you have to pay as a direct result of the loss or damage.collapse

Section 7 - United Kingdom, Republic of Ireland and European breakdown recovery
The cover under this section is administered by AXA Assistance UK Limited and insured by Groupama Insurance Company Limited.
Definitions which apply to this part of the policy only
Breakdown
Where the motorcycle cannot be ridden due to an electrical or mechanical fault, the theft or loss of keys, a flat tyre, or running out of fuel.
Motorcycle
Your motor vehicle as described in your current certificate of motor insurance.
The motorcycle must be no more than:
- 3.5 tonnes when fully loaded;
- 5.5 metres (18 feet) long; or
- 2.3 metres (7 feet 6 inches) wide.
This also includes any trailer attached to your motorcycle (as long as it is no longer than 7.6 metres (25 feet) long, including the towbar).
Period of insurance
The period shown in your current certificate of motor insurance.
Territorial limit
The territorial limit for United Kingdom and Republic of Ireland assistance is Great Britain, Northern Ireland, the Channel Islands, the Isle of Man and the Republic of Ireland.
The territorial limit for European Assistance is Andorra, Austria, Belgium, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and Turkey.
We, us , our
AXA Assistance UK Limited who administer this insurance on behalf of Groupama Insurance Company Limited who are the insurers.
You , your
The person named in your current certificate of motor insurance and any person authorised to ride or be a passenger on the motorcycle.
United Kingdom and Republic of Ireland assistance
What we will cover
1 Home and roadside assistance
We will come out to the motorcycle if you cannot ride it after a breakdown, an accident or an act of vandalism involving the motorcycle within the territorial limit and within the period of insurance.
We will try to repair the motorcycle at the roadside.
The repair work will be free of charge, for up to one hour, but you must pay the cost of any parts, fuel or other supplies used to repair the motorcycle.
If we cannot repair the motorcycle at the roadside and it cannot be repaired the same day at a local garage after being recovered by us, we will arrange and pay for one of the following:
1a Onward travel
We will arrange and pay for the motorcycle, you or your pillion passenger to continue with your journey to your destination, or to return home;
1b Hotel accommodation
If you are more than 50 miles from your home address, we will pay for the cost of bed and breakfast for you and your pillion passenger for one night. The most we will pay is £50 a person, or €75 a person if
you are resident in the Republic of Ireland. You must pay for any extra hotel costs; or
1c Car hire
We will arrange and pay for a hire car, up to 1600cc, for up to 24 hours. You must have a valid driving licence with you, and pay a deposit to the hire-car company by debit or credit card, to cover the cost of the fuel you use, insurance and any extra days hire. We will provide car hire as long as you are between 25 and 65 years old. We will try to arrange something for you if you are under 25 or over 65, but we cannot
guarantee that we will be able to help. You might not be able to get a hire car if you have endorsements on your driving licence.
Where we arrange vehicle hire for you, you must comply with the hire companys terms and conditions.
We will choose the most appropriate solution from the options above.
If we have to make a forced entry to the insured vehicle because you are locked out or have lost your keys, you must sign a declaration, saying that you will be responsible for the damage.
2 Storage
If the motorcycle has to be stored after we have recovered it, we will pay for the cost of storing the motorcycle. The most we will pay is £50, or €75 if you are resident in the Republic of Ireland.
3 Medical assistance
If you have to go into hospital after an accident involving the motorcycle, within the territorial limit and within the period of insurance and are more than 20 miles from your home, we will pay for one nights bed and breakfast in a hotel we choose, for your pillion passenger. The most we will pay is £100 a person, or €150 a person if you are resident in the Republic of Ireland. You must pay for any extra hotel costs. We will also arrange for an ambulance to take you to a hospital near your home if medically necessary, but the maximum that we will pay is a total of £300, or €450 if you are resident in the Republic of Ireland. A doctor must give permission before we do this.
4 Replacement rider
If, following an accident or a breakdown involving the motorcycle, you are the only rider and cannot ride because you are ill or injured within the territorial limit and within the period of insurance, we can arrange
and pay for a replacement rider to take you, the motorcycle and your pillion passenger to your home address within the territorial limit.
5 Message service
We can get a message to a person you have chosen, if your journey has been delayed as a result of a breakdown, an accident or an act of vandalism involving the motorcycle within the territorial limit and
within the period of insurance.
6 Claims
We will cover you for up to four claims in any 12 month period.
Once the maximum number of claims has been reached, a referral service will be offered to assist. All costs will be charged to you.collapse

Section 7 - United Kingdom, Republic of Ireland and European breakdown recovery
The cover under this section is administered by AXA Assistance UK Limited and insured by Groupama Insurance Company Limited.
Definitions which apply to this part of the policy only
Breakdown
Where the motorcycle cannot be ridden due to an electrical or mechanical fault, the theft or loss of keys, a flat tyre, or running out of fuel.
Motorcycle
Your motor vehicle as described in your current certificate of motor insurance.
The motorcycle must be no more than:
- 3.5 tonnes when fully loaded;
- 5.5 metres (18 feet) long; or
- 2.3 metres (7 feet 6 inches) wide.
This also includes any trailer attached to your motorcycle (as long as it is no longer than 7.6 metres (25 feet) long, including the towbar).
Period of insurance
The period shown in your current certificate of motor insurance.
Territorial limit
The territorial limit for United Kingdom and Republic of Ireland assistance is Great Britain, Northern Ireland, the Channel Islands, the Isle of Man and the Republic of Ireland.
The territorial limit for European Assistance is Andorra, Austria, Belgium, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and Turkey.
We, us , our
AXA Assistance UK Limited who administer this insurance on behalf of Groupama Insurance Company Limited who are the insurers.
You , your
The person named in your current certificate of motor insurance and any person authorised to ride or be a passenger on the motorcycle.
European assistance
We will provide cover under this section as long as you are not travelling outside the United Kingdom or the Republic of Ireland for more than 91 days at a time. The most we will pay for all claims arising out of
one event under this European assistance Section is £2,500, or €3,750 if you are resident in the Republic of Ireland, subject to the terms and conditions of this policy.
1 Roadside assistance and recovery
We will come out to the motorcycle if you cannot ride it after a breakdown, an accident or an act of vandalism involving the motorcycle within the territorial limit and within the period of insurance.
If the motorcycle can be repaired at the roadside, the repair work will be free of charge, for up to one hour, but you must pay the cost of any parts, fuel or other supplies used to repair the motorcycle.
If the motorcycle cannot be repaired at the roadside, we will arrange and pay for it to be taken to the nearest repairer for it to be repaired at your cost.
If you have a problem involving the motorcycle on a motorway outside the United Kingdom or the Republic of Ireland, you will have to use a roadside telephone. You will be connected to the authorised motorway service, not our control centre. You may have to pay for the cost of labour and towing the motorcycle on the spot, but you can claim these costs back from us when you get home by calling us on 0800 093 5318 if you are in the United Kingdom or 0906 486 354 if you are in the Republic of Ireland.
2 Vehicle repatriation
If the motorcycle cannot be repaired within the territorial limits of this section, or by the time you have to get home, we will arrange and pay for it to be taken to the nearest garage or to your home address in the United Kingdom, or the Republic of Ireland if you are resident there.
You must give us a signed list of any items which are left in, or on, the motorcycle before we arrange to have it taken to the nearest garage or to your home address. We will not be responsible for the loss of, or
damage to, any items which are not on this list.
We will only repatriate your motorcycle to the United Kingdom, or the Republic of Ireland if you are resident there, if we believe the cost of doing so would be less than the market value of the motorcycle in the United Kingdom, or the Republic of Ireland if you are resident there, following the loss or damage.
3 Storage
If the motorcycle has to be stored whilst you are waiting for it to be recovered or taken back by us to the United Kingdom, or the Republic of Ireland if you are resident there, we will pay for the cost of storing
the motorcycle. The most we will pay is £100, or €150 if you are resident in the Republic of Ireland.
4 Onward travel and accommodation
If the motorcycle cannot be repaired the same day as being recovered by us, we will arrange and pay for one of the following:
- Up to three nights bed and breakfast accommodation for you and your pillion passenger.
The most we will pay is £50 a night, or €150 a night if you are resident in the Republic of Ireland, for each person, provided your original accommodation has been pre-paid and you cannot get your money back;
- You must pay for any extra hotel costs;
- A hire car, up to 1600cc, for up to 14 days, so you can carry on with your journey, as long as the motorcycle has been recovered by us. You must have a valid driving licence, and pay a deposit to the car-hire company by debit or credit card, to pay for the fuel you use, insurance and any extra days hire. We cannot guarantee that a vehicle with accessories like roof racks and tow bars will be available. You might not be able to get a hire car if you have endorsements on your driving licence. We will provide this cover as long as you are between 25 and 65 years old. (We will try to arrange something for you if you are under 25 or
over 65, but we cannot guarantee that we will be able to help); or
- A standard-class rail ticket for you and your pillion passenger, so you can carry on with your journey, or to get you home.
We will choose the most appropriate action from the options above.
5 Replacement rider
If, following an accident or breakdown involving the motorcycle, you are the only rider and cannot ride because you are ill or injured within the territorial limit and within the period of insurance, we can arrange
and pay for a replacement rider to take you, the motorcycle and your pillion passenger to your home address in the United Kingdom, or the Republic of Ireland if you are resident there.
6 Messa ge ser vice
We can get a message to a person you have chosen, if your journey has been delayed as a result of a breakdown, an accident or an act of vandalism involving the motorcycle within the territorial limit and within the period of insurance.
7 Parts deli very
If the parts needed to repair the motorcycle are not available locally, we will arrange and pay for these parts to be delivered.
8 Claims
We shall not be responsible for more than four claims under this section of the policy during any 12 month period. Once the maximum number of claims has been reached, a referral service will be offered to assist. All costs will be charged to you.
What we will not cover
We will not provide cover under the UK Assistance or European Assistance sections of this policy for the following:
- Any costs we have not agreed to.
- Any costs you would normally have to pay, such as petrol and toll charges.
- Any motorcycle which is not kept in a good mechanical and roadworthy condition, or serviced according to the manufacturers recommendations.
- Where the motorcycle which is involved in a breakdown, accident or act of vandalism has no current MOT certificate or European equivalent (if one is needed) and no valid road fund licence disc on display.
- Where the motorcycle which is involved in a breakdown, accident or act of vandalism was being used for any criminal act.
- Where the motorcycle which is involved in a breakdown, accident or act of vandalism was being ridden whilst under the influence of or was in any other way being used in connection with alcohol, drugs or solvent abuse.
- Where you call us out following a breakdown or accident for a problem which you have called us about before, but which you have not, in our opinion, tried to get fixed since the last time you called us out.
- Any motorcycle we cannot recover because of bad weather conditions, like floods, snow or high winds, or because the motorcycle is stuck in sand or mud.
- If specialist equipment is needed to recover the motorcycle, you will have to pay the extra cost.
- Any release fees you have to pay if the motorcycle is stolen and recovered by the police or Garda.
- Any loss or damage to the motorcycle and its accessories which is the result of the breakdown, accident or act of vandalism.
- Mobile phone and telephone call costs - mobile phones are convenient but expensive. Even if you ask someone to call you back on your mobile, you may still have to pay for the call. These costs are not covered under your policy in any circumstances.
- The cost of repairs to the motorcycle when your vehicle is repaired in any garage to which it is taken. We cannot give any guarantee or warranty in respect of the quality of the repairs carried out to the motorcycle. If you have any concerns about the quality of the repairs you must take them up directly with the garage responsible.
- The cost of the recovery or repair vehicle coming out to you if, after requesting assistance to which you are entitled, the motorcycle is moved, recovered or repaired by any other means.
- Where the motorcycle was being used for racing, rallies or competitions at the time of the incident giving rise to the claim.
What to do if you have an accident or a breakdown
- In the United Kingdom, call us on 0800 093 5318.
- In the Republic of Ireland, call us on 0906 486 354.
- Outside the United Kingdom and Republic of Ireland, call us on 00 44 1737 815 310.
- Our operator will ask you for the following:
- Where you are.
- Your motorcycle registration number.
- The make and colour of the motorcycle.
- A telephone number we can contact you on.
- Details of what has happened.
- Do not make your own arrangements.
- You and your pillion passenger must be with the motorcycle when the repair or recovery vehicle arrives, unless you have made other arrangements with us.
- If you have a problem on a motorway outside the United Kingdom or the Republic of Ireland, you will have to use a roadside telephone. You will be connected to the authorised motorway service, not our control centre. Once you reach a place of safety, you must call our control centre on 0044 1737 815 310. You may have to pay for the cost of labour and towing the motorcycle on the spot, but subject to the limits applicable to this section you can claim these costs back from us when you get home by calling us on 0800 093 5318 in the United Kingdom or 0906 486 354 in the Republic of Ireland.
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Varies depending on underwriter.
Section 5 - No claim discount
If you do not make a claim, we will allow you a no claim discount
You cannot transfer your no claim discount to another person.
You will not lose your no claim discount if:
- the only claim you make is under section 1d of this policy;
- we can get back all the money we have paid to settle your claim from somebody else (for example, if an accident is not your fault and the other persons insurers admit full responsibility for it); or
- you have to make a claim because:

- your motorcycle is hit by an identified driver or rider who is not insured; and

- the accident is completely their fault. (You will also not have to pay any excess in this circumstance.)

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Helmet and Leather Insurance - £39.00
Take a tumble and your leathers might save you injury but your wallet may still be left hurting.
Thats why Carole Nash has introduced a new Helmet & Leathers policy which will pay out as much as £1,000 for new gear, if damaged when riding your bike.
It covers:
- helmet
- leathers
- gloves
- boots
Protect what protects you for just £39 annually.
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