Carole Nash Motorcycle Insurance

SECTION 4 - Foreign use
In addition to the cover provided in the European Union (EU) compulsory cover subsection of section 1 (Liability to others), we will automatically provide the cover in your schedule when you are visiting any country which is a member of the European Union. We will also automatically provide the cover in your schedule when you are visiting Norway and Switzerland. While you are visiting these countries, your insurance will be extended to cover the following:
- Your vehicle being moved (including loading and unloading) by sea, rail or air between the countries where you have cover.In the event of any incident which results in a claim under section 2 or 3 of your insurance:
- The reasonable cost of delivering your vehicle to you or to your home in the United Kingdom after necessary repairs have been finished; or
- Foreign customs duty you must pay because damage to your vehicle prevents its return to the United Kingdom.
- General Average and Salvage charges if you are liable.
We will only provide this cover if your permanent home is in the United Kingdom.
Important: The length of time that we will give cover for under this section in any one period of insurance will be limited. The number of days that we will provide this cover for will be specified in the endorsements shown on your schedule. If you want to travel to a country that is not shown above, or if you wish to go for longer than the number of days shown in your endorsement, please contact customer services on 0800 298 5511.

SECTION 4 - UK assistance
The cover under sections 4 and 5 is administered by AXA Assistance SA and insured by Inter Partner Assistance (IPA). IPA is a wholly owned subsidiary of the AXA Assistance Group. AXA Assistances address is: The Quadrangle, 106 - 118 Station Road, Redhill, Surrey, RH1 1PR, Inter Partner Assistance SA (IPA) is authorised by the Commission Bancaire, Financi? et des Assurance (CBFA) in Belgium and regulated by the Financial Services Authority (FSA) The following definitions only apply to sections 4 and 5
We, us, our
AXA Assistance (UK) Ltd/Inter Partner Assistance (IPA)
You, your
The person named in your current certificate of motor insurance and any person authorised to ride or be a passenger on the insured vehicle.
Territorial limit
The territorial limit for section 4 is Great Britain, Northern Ireland, the Channel Islands and the Isle of Man. The territorial limit for section 5 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, the Republic of Ireland, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and Turkey.
Breakdown
An electrical or mechanical fault, the theft or loss of keys, a flat tyre, or running out of fuel.
What is covered under section 4
1 Home and roadside assistance
We will come out to the insured vehicle if you cant ride it after a breakdown, an accident or an act of vandalism within the territorial limit and within the period of insurance. We will try to repair the insured vehicle 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 insured vehicle. If we cannot repair the insured vehicle 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 you and one passenger to continue with your journey or to return home. or
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 one passenger.
The most we will pay is £50 a person. 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 credit card, to cover the cost of the fuel you use, insurance and any extra dayshire. 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. 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 insured vehicle has to be stored after we have recovered it, we will pay for the cost of storing the insured vehicle. The most we will pay is £50.
3 Medical assistance
If you have to go into hospital after an accident, 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 passenger. The most we will pay is £100 a person. 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, the maximum that we will pay is a total of £300. A doctor must give permission before we do this.
4 Replacement rider
If you are the only rider and cant 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 insured vehicle and your passengers 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 within the territorial limit and within the period of insurance.
6 Broken glass
We can arrange for an approved supplier to come out to you to replace any broken glass, but you will have to pay for the work they do.
7 Claims
Inter Partner Assistance (IPA)shall not be responsible for more than four claims against the service during any 12 month period. Once the maximum number of claims has been reached,a referral service will
be offered.All costs will be charged to you.

SECTION 5 - European assistance
We will provide the cover of this section as long as you are not travelling outside the UK for more than 91 days at a time. The most we will pay for all claims arising out of one event under this section is £2,500 subject to the terms and conditions of this policy.
1 Roadside assistance and recovery
We will come out to the insured vehicle if you cant ride it after a breakdown, an accident or an act of vandalism within the territorial limit and within the period of insurance. If the insured vehicle 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 insured vehicle. If the insured vehicle cannot be repaired at the roadside, we will arrange and pay for it to be taken to the nearest repairer. 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. You may have to pay for the cost of labour and towing the insured vehicle on the spot, but you can claim these costs back from us when you get home by calling us on 0044 1737 815 310.
2 Vehicle repatriation
If the insured vehicle cant be repaired in Europe, or by the time you have to get home, we will arrange and pay for it to be taken to the nearest garage to your home address in the UK. You must give us a signed list of any items which are left in, or on, the insured vehicle. 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 vehicle to the UK if we believe the cost of doing so would be less than the market value of the vehicle in the UK following the loss or damage.
3 Storage
If the insured vehicle has to be stored whilst you are waiting for it to be recovered or taken back to the UK by us, we will pay for the cost of storing the insured vehicle. The most we will pay is £100.
4 Onward travel and accommodation
If the insured vehicle cant be repaired within 12 hours of 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 one passenger. The most we will pay is £50 a night for each person, provided your original accommodation has been pre-paid and you cant 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 insured vehicle has been recovered by us. You must have a valid driving licence, and pay a deposit to the car hire company by credit card, to pay for the fuel you use and any extra dayshire. (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).
- A standard-class rail ticket for you and one 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 you are the only rider and cant 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 insured vehicle and your passengers to your home address in the UK.
6 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 within the territorial limit and within the period of insurance.
7. Parts delivery
If the parts needed to repair the insured vehicle are not available locally, we will arrange and pay for these parts to be delivered.
8 Claims
Inter Partner Assistance (IPA)shall not be responsible for more than four claims against the service during any 12 month period.
Once the maximum number of claims has been reached,a referral service will be offered.All costs will be charged to you
What is not covered under sections 4 and 5
We will not provide cover for the following.
a Any costs we have not agreed to.
b Any costs you would normally have to pay, such as petrol and toll charges.
c An insured vehicle which is not kept in a roadworthy condition, or serviced according to the manufacturers recommendations.
d. The insured vehicle being used for any criminal act.
e. Anything to do with alcohol, drugs or solvent abuse.
f. An insured vehicle if you call us out for a problem you have called us about before, but have not, in our opinion, tried to get the problem fixed since the last time you called us out.
g. An insured vehicle we cannot recover because of bad weather conditions, like floods, snow or high winds, or because your vehicle is stuck in sand or mud. If specialist equipment is needed to recover your vehicle, you will have to pay the extra cost.
h. Any release fees you have to pay if your vehicle is stolen and recovered by the police.
i Any loss or damage which is the result of the breakdown, accident or act of vandalism.
j 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.
k The cost of repairs to your vehicle in any garage to which it is taken.
What to do if you have an accident or a breakdown
a In the United Kingdom, call us on 0800 093 5318.
b Republic of Ireland, call us on 0906 486 354
c Outside the United Kingdom and Republic of Ireland, call us on 00 44 1737 815 310.
d. Our operator will ask you for the following
Where you are. Your vehicle registration number. The make and colour of your vehicle. A telephone number we can contact you on. Details of what has happened.
e. Do not make your own arrangements.
f. You and your passengers must be with the insured vehicle when the repair or recovery vehicle arrives, unless you have made other arrangements with us.
g If you have a problem on a motorway outside the UK 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 insured vehicle on the spot,but you can claim these costs back from us when you get home by calling us on 0870 350 4400.

SECTION 2 - Cover for fire and theft
What is covered
If your motorcycle or its accessories are damaged by fire, theft or attempted theft during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged. Suitable parts or accessories may be used which are not supplied by the original manufacturer. If your motorcycle is insured on an agreed value basis (as stated in the schedule) in the event of a total loss you may be given the option to purchase any remaining salvage at the amount your motorcycle will attract on the open market in its damaged condition.
If your motorcycle is insured on a market value basis (as stated in the Policy Schedule)in the event of a total loss the salvage/vehicle will become the property of the insurer.
What is not covered
- The amount of the excess shown in the schedule.
- Loss of value, wear and tear, mechanical, electrical, electronic or computer failures or breakdowns or breakages.
- Damage to tyres by braking, punctures, cuts or bursts.
- Loss of use.
- Depreciation in value of your motorcycle after you have made a valid claim under this Section.
- Loss or damage caused by deception.
- Theft as a result of keys remaining in or on your motorcycle whilst it is unattended.
- Loss of or damage to any accessory which is not permanently attached to your motorcycle, but including hard luggage systems providing they were attached at the time of the loss.
- Loss of or damage to accessories unless your motorcycle is damaged or stolen at the same time.
- Theft or unauthorised taking of the vehicle by a member of the policyholders family or anyone normally living with you.
- Loss of or damage to specialist paintwork, including any engraving or precious metals, on your motorcycle

SECTION 2 - Cover for fire and theft
What is covered
If your motorcycle or its accessories are damaged by fire, theft or attempted theft during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged. Suitable parts or accessories may be used which are not supplied by the original manufacturer. If your motorcycle is insured on an agreed value basis (as stated in the schedule) in the event of a total loss you may be given the option to purchase any remaining salvage at the amount your motorcycle will attract on the open market in its damaged condition.
If your motorcycle is insured on a market value basis (as stated in the Policy Schedule)in the event of a total loss the salvage/vehicle will become the property of the insurer.
SECTION 3 - Damage to your vehicle
What is covered
If your motorcycle or its accessories are accidentally or maliciously damaged or vandalised during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged. Suitable parts or accessories may be used which are not supplied by the original manufacturer. If your motorcycle is insured on an agreed value basis (as stated in the schedule) in the event of a total loss you may be given the option to purchase any remaining salvage at the amount your motorcycle will attract on the open market in its damaged condition.
If your motorcycle is insured on a market value basis (as stated in the Policy Schedule)in the event of a total loss the salvage/vehicle will become the property of the insurer.

Making A Claim: What To Expect & What Things Mean
How do I get a damaged bike or car repaired?
We strongly recommend that UK bikers take advantage of the Carole Nash Approved Repairer Network. This consists of garages and bodyshops across England, Scotland and Wales who have been inspected and approved by Carole Nash and are contractually obliged to meet stringent quality standards workmanship and customer care which we have set. These include a three year workmanship warranty covering paint, composite and mechanical repairs, subject to normal road usage. By using an Approved Repairer you will not need to source two independent repair quotes for your insurer. Instead the Approved Repairer will arrange to collect your bike and, if it is repairable, carry out repairs and return it to you, having given it a valet. Once your bike has been collected it is likely that your insurer will appoint an engineer to examine your bike. Our claims staff liase with your insurer to ensure that this assessment is carried out quickly and any subsequent repairs completed as soon as possible. Car insurers operate similar Approved Repairer Networks, as these enable claims to be settled as promptly and professionally as possible. Whilst we would recommend that you make use of these networks, you are free to secure repair quotes from outside repairer networks and submit these to your insurer for consideration. Should you do so the same procedures will be followed as with an Approved Repairer, although it may take longer for your repair to be authorised and you may not be eligible for a courtesy vehicle.

Making A Claim: What To Expect & What Things Mean
How do I get a damaged bike or car repaired?
We strongly recommend that UK bikers take advantage of the Carole Nash Approved Repairer Network. This consists of garages and bodyshops across England, Scotland and Wales who have been inspected and approved by Carole Nash and are contractually obliged to meet stringent quality standards workmanship and customer care which we have set. These include a three year workmanship warranty covering paint, composite and mechanical repairs, subject to normal road usage. By using an Approved Repairer you will not need to source two independent repair quotes for your insurer. Instead the Approved Repairer will arrange to collect your bike and, if it is repairable, carry out repairs and return it to you, having given it a valet. Once your bike has been collected it is likely that your insurer will appoint an engineer to examine your bike. Our claims staff liase with your insurer to ensure that this assessment is carried out quickly and any subsequent repairs completed as soon as possible. Car insurers operate similar Approved Repairer Networks, as these enable claims to be settled as promptly and professionally as possible. Whilst we would recommend that you make use of these networks, you are free to secure repair quotes from outside repairer networks and submit these to your insurer for consideration. Should you do so the same procedures will be followed as with an Approved Repairer, although it may take longer for your repair to be authorised and you may not be eligible for a courtesy vehicle.

Making A Claim: What To Expect & What Things Mean
How do I get a damaged bike or car repaired?
We strongly recommend that UK bikers take advantage of the Carole Nash Approved Repairer Network. This consists of garages and bodyshops across England, Scotland and Wales who have been inspected and approved by Carole Nash and are contractually obliged to meet stringent quality standards workmanship and customer care which we have set. These include a three year workmanship warranty covering paint, composite and mechanical repairs, subject to normal road usage. By using an Approved Repairer you will not need to source two independent repair quotes for your insurer. Instead the Approved Repairer will arrange to collect your bike and, if it is repairable, carry out repairs and return it to you, having given it a valet. Once your bike has been collected it is likely that your insurer will appoint an engineer to examine your bike. Our claims staff liase with your insurer to ensure that this assessment is carried out quickly and any subsequent repairs completed as soon as possible. Car insurers operate similar Approved Repairer Networks, as these enable claims to be settled as promptly and professionally as possible. Whilst we would recommend that you make use of these networks, you are free to secure repair quotes from outside repairer networks and submit these to your insurer for consideration. Should you do so the same procedures will be followed as with an Approved Repairer, although it may take longer for your repair to be authorised and you may not be eligible for a courtesy vehicle.

SECTION 2 - Cover for fire and theft
What is covered
If your motorcycle or its accessories are damaged by fire, theft or attempted theft during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged.
SECTION 3 - Damage to your vehicle
What is covered
If your motorcycle or its accessories are accidentally or maliciously damaged or vandalised during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged.

90days
European Cover
Should you be planning to journey with your vehicle to Europe, you'll be delighted to hear that your policy includes cover when visiting any European Union country - along with a number of other non-EU destinations, which are listed on the back of your certificate of insurance. The number of days cover provided to you is shown on your policy schedule. Please contact our customer services department on 0800 298 5511 when you are travelling with your vehicle overseas, so we are aware when your European cover will be in use. There is no extra charge for this cover - its just one more reason why you've made a good choice in selecting Carole Nash for your insurance needs. Should you wish to travel to a country outside the EU which is not listed on your schedule, please call us free on 0800 298 5511 and we will be pleased to advise you of your options.

Carole Nash Terms of Business
4. Charges - In addition to premiums charged by insurers, we may, at our discretion, make the following charges to cover our broker fee. These charges are non-refundable.
- Cancellation, We will charge you 20% of the refund premium plus a £5 broker fee, or £50, whichever amount is greater.

9.Cancellation
Your insurance policy has been arranged for a period of 12 months and you are required to pay the full premium.If you cancel the insurance other than in accordance with section 8 Your Right to Cancel and there has been no claim(s),you will be refunded in accordance with the criteria below, less a Carole Nash administration charge.Please refer to the Carole Nash Terms of Business on page 10.
Period of cover    % of refund
Up to 1 month     75%
Up to 2 months     62.5%
Up to 3 months    50%
Up to 4 months     40%
Up to 5 months     30%
Up to 6 months     25%
Up to 7 months     20%
Up to 8 months     10%
Over 8 months     Nil
If the policy is cancelled following subsequent renewal with your existing Insurer,please refer to your Policy Schedule for details of cancellation or contact Carole Nash Insurance Consultants Ltd.
You may cancel your policy with immediate effect by notifying Carole Nash Insurance Consultants Ltd by phone or by post.You must return your Certificate of Motor Insurance to Carole Nash Insurance Consultants Ltd,Trafalgar House,110 Manchester Road,Altrincham,Cheshire,WA14 1NU.
In the unlikely event that your existing Insurer or Carole Nash Insurance Consultants Ltd need to cancel your policy,you will be given seven days notice in writing.This will be sent to your last known address.Carole Nash will work out any refund (if applicable) for the unused part of your premium, minus a Carole Nash administration charge.Please refer to the Carole Nash Terms of Business on page 10.
Please bear in mind that it is an offence under the Road Traffic Act to ride,or permit a motor vehicle to be on a public highway or other pubic place,if you have not met the minimum insurance requirement.

Carole Nash Terms of Business
4. Charges
In addition to premiums charged by insurers, we may, at our discretion, make the following charges to cover our broker fee. These charges are non-refundable.
- Mid-term adjustments up to £30

SECTION 1 - Liability to others
Legal costs
If we agree in writing, we will pay for the following legal fees if they arise from a claim caused by an accident that is covered under this insurance:
- the solicitor's fee for the representing anyone we insure ata a court of summary jurisdiction, fatal accident enquiry or coroner's inquest.
- the reasonable costs of legal services we arrange for defending an insured person against manslaughter or causing death by dangerous driving.

Combined UK and European Breakdown and Legal Protection
Legal helpline
Carole Nash Breakdown and Legal Protection includes access to Legal Helpline to give advice, 24 hours a day, 365 days a year, on any personal legal matter. We may record the calls to protect you. Legal Helpline Tel. No. 0870 350 5715

SECTION 4 - UK assistance
What is covered under section 4
1 Home and roadside assistance
We will come out to the insured vehicle if you cant ride it after a breakdown, an accident or an act of vandalism within the territorial limit and within the period of insurance. We will try to repair the insured vehicle 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 insured vehicle. If we cannot repair the insured vehicle 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 you and one passenger to continue with your journey or to return home.

SECTION 3 - Damage to your vehicle
What is covered
If your motorcycle or its accessories are accidentally or maliciously damaged or vandalised during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged. Suitable parts or accessories may be used which are not supplied by the original manufacturer. If your motorcycle is insured on an agreed value basis (as stated in the schedule) in the event of a total loss you may be given the option to purchase any remaining salvage at the amount your motorcycle will attract on the open market in its damaged condition.
If your motorcycle is insured on a market value basis (as stated in the Policy Schedule)in the event of a total loss the salvage/vehicle will become the property of the insurer.
What is not covered
- The amount of the excess shown in the schedule.
- Loss of value, wear and tear, mechanical, electrical, electronic or computer failures or breakdowns or breakages.
- Damage to tyres by braking, punctures, cuts or bursts.
- Loss of use.
- Depreciation in value of your motorcycle after you have made a valid claim under this Section.
- Any accessory which is not permanently attached to your motorcycle, but including hard luggage systems providing they were attached at the time of the loss.
- Damage caused by chewing, scratching, tearing or fouling by domestic pets, or caused by vermin, insects, mildew or fungus.
- Damage caused by frost, smog or any gradual process.
- Loss or damage resulting from unauthorised taking of the vehicle by a member of the policyholders family or anyone normally living with you.
- Loss of or damage to accessories unless your motorcycle is damaged or stolen at the same time.
- Damage to specialist paintwork, including any engraving or precious metals, on your motorcycle.

SECTION 4 - UK assistance
The cover under sections 4 and 5 is administered by AXA Assistance SA and insured by Inter Partner Assistance (IPA). IPA is a wholly owned subsidiary of the AXA Assistance Group. AXA Assistances address is: The Quadrangle, 106 - 118 Station Road, Redhill, Surrey, RH1 1PR, Inter Partner Assistance SA (IPA) is authorised by the Commission Bancaire, Financi? et des Assurance (CBFA) in Belgium and regulated by the Financial Services Authority (FSA) The following definitions only apply to sections 4 and 5
What is covered under section 4
1 Home and roadside assistance
We will come out to the insured vehicle if you cant ride it after a breakdown, an accident or an act of vandalism within the territorial limit and within the period of insurance. We will try to repair the insured vehicle 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 insured vehicle. If we cannot repair the insured vehicle 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 you and one passenger to continue with your journey or to return home. or
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 one passenger.
The most we will pay is £50 a person. 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 credit card, to cover the cost of the fuel you use, insurance and any extra dayshire. 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. 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 insured vehicle has to be stored after we have recovered it, we will pay for the cost of storing the insured vehicle. The most we will pay is £50.
3 Medical assistance
If you have to go into hospital after an accident, 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 passenger. The most we will pay is £100 a person. 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, the maximum that we will pay is a total of £300. A doctor must give permission before we do this.
4 Replacement rider
If you are the only rider and cant 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 insured vehicle and your passengers 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 within the territorial limit and within the period of insurance.
6 Broken glass
We can arrange for an approved supplier to come out to you to replace any broken glass, but you will have to pay for the work they do.
7 Claims
Inter Partner Assistance (IPA)shall not be responsible for more than four claims against the service during any 12 month period. Once the maximum number of claims has been reached,a referral service will
be offered.All costs will be charged to you.

Insurance Policy Summary
Significant Features and Benefits
- Legal liability for the death or injury to any other person, including passengers.(Section 1, 16)
- Legal liability for damage to other people's property up to £20,000,000 (Section 1, 16)

SECTION 4 - UK assistance
The cover under sections 4 and 5 is administered by AXA Assistance SA and insured by Inter Partner Assistance (IPA). IPA is a wholly owned subsidiary of the AXA Assistance Group.

SECTION 2
Cover for fire and theft
What is covered
If your motorcycle or its accessories are damaged by fire, theft or attempted theft during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged. Suitable parts or accessories may be used which are not supplied by the original manufacturer.
What is not covered
- The amount of the excess shown in the schedule.
- Theft as a result of keys remaining in or on your motorcycle whilst it is unattended.
- Loss of or damage to any accessory which is not permanently attached to your motorcycle, but including hard luggage systems providing they were attached at the time of the loss.
- Loss of or damage to accessories unless your motorcycle is damaged or stolen at the same time
SECTION 3
Damage to your vehicle
What is covered
If your motorcycle or its accessories are accidentally or maliciously damaged or vandalised during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged. Suitable parts or accessories may be used which are not supplied by the original manufacturer.
What is not covered
- Any accessory which is not permanently attached to your motorcycle, but including hard luggage systems providing they were attached at the time of the loss.
- Loss of or damage to accessories unless your motorcycle is damaged or stolen at the same time.

SECTION 4 - UK assistance
What is covered under section 4
1 Home and roadside assistance
We will come out to the insured vehicle if you cant ride it after a breakdown, an accident or an act of vandalism within the territorial limit and within the period of insurance. We will try to repair the insured vehicle 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 insured vehicle. If we cannot repair the insured vehicle 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 you and one passenger to continue with your journey or to return home.
or
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 one passenger. The most we will pay is £50 a person. 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 credit card, to cover the cost of the fuel you use, insurance and any extra dayshire. 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. 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.

Making A Claim: What To Expect & What Things Mean
How do I get a damaged bike or car repaired?
We strongly recommend that UK bikers take advantage of the Carole Nash Approved Repairer Network. This consists of garages and bodyshops across England, Scotland and Wales who have been inspected and approved by Carole Nash and are contractually obliged to meet stringent quality standards workmanship and customer care which we have set. These include a three year workmanship warranty covering paint, composite and mechanical repairs, subject to normal road usage.

Policy Conditions
You must comply with the following conditions to have the full protection of your policy.
1. No claims bonus
If you or anyone else does not make a claim under this insurance, we will discount your renewal premium in line with the scale of no claim bonus which applies at the time. If you would like more information on the no claim bonus scale which applies or how your no claim bonus may be affected following a claim, you should contact Carole Nash Insurance Consultants Ltd.

Varies depending on underwriter.
Policy Conditions
You must comply with the following conditions to have the full protection of your policy.
1. No claims bonus
If you or anyone else does not make a claim under this insurance, we will discount your renewal premium in line with the scale of no claim bonus which applies at the time. If you would like more information on the no claim bonus scale which applies or how your no claim bonus may be affected following a claim, you should contact Carole Nash Insurance Consultants Ltd.

Policy Conditions
You must comply with the following conditions to have the full protection of your policy.
1. No claims bonus
If you or anyone else does not make a claim under this insurance, we will discount your renewal premium in line with the scale of no claim bonus which applies at the time. If you would like more information on the no claim bonus scale which applies or how your no claim bonus may be affected following a claim, you should contact Carole Nash Insurance Consultants Ltd.
2. How to make a claim
Contact Carole Nash Insurance Consultants Ltd with full details immediately after any damage or accident which might result in a claim under this policy. You or any other person claiming indemnity under this policy must send any writ, summons or other correspondence to them immediately. If you are making a claim following the theft or attempted theft of, or malicious damage to, your motorcycle, you must give immediate notification of the incident to the Police.
3. Defending or settling the claim
Unless they have our written permission, no person can represent or admit liability for us or for you or any other person claiming cover under this policy. We can carry out the defence or settlement of any claim and we can choose the solicitor who will act for you in any legal action. We can also take legal action in your name or the name of any other person covered by this policy, to recover any payment we have made under this policy. You must give us all the information and help we need to deal with the claim.
4. Other insurance
If you were covered by any other insurance for the incident which resulted in a valid claim under this policy, we will only pay our share of the claim. However, in respect of any claim under Section 1 Liability to others, we will not pay for any claim in respect of which you have cover under any other insurance policy.
5. Reasonable precautions
You must take all reasonable steps to keep your vehicle in a safe and roadworthy condition and protect it from damage, including fire, theft or attempted theft, malicious damage and someone taking your vehicle without your permission. The vehicle must be kept or used with a valid Department of Transport test (M.O.T.) certificate, if one is needed. You must also keep to all legal regulations relating to your vehicle and its ownership. You must allow us to examine your vehicle whenever we ask.
6. Keeping to the terms of this policy
We will only give you the cover that is described in this policy if:
any person claiming cover has met with all its terms, as far as they apply; and
the declaration and information
given on the proposal form on which this contract is based is complete and correct as far as you know.
7. Failure to pay a premium instalment
If you fail to pay an instalment you will be given notice of cancellation, if payment is not made within the period of this notice, the policy will be cancelled and a time on risk charge will be made. If the policy is cancelled, you are required by law to return the Certificate of Motor Insurance to us, under the rules of the Road Traffic Acts.
8. Your Right to Cancel
You have the right to cancel your policy for a period of 14 days,either from the day of purchase of the contract or from the day you receive your policy documentation,whichever is the later.If you exercise this right you will be entitled to a full refund of the premium,less a Carole Nash administration charge and any insurer charge.Please refer to the Carole Nash Terms of Business on page 10.
The right to cancel does not apply if the policy is terminated as a result of a total loss claim.
You may cancel your policy with immediate effect by notifying Carole Nash Insurance Consultants Ltd by phone or by post.You must return your Certificate of Motor Insurance to Carole Nash Insurance Consultants Ltd,Trafalgar House,110 Manchester Road,Altrincham,Cheshire,WA14 1NU.
9.Cancellation
Your insurance policy has been arranged for a period of 12 months and you are required to pay the full premium.If you cancel the insurance other than in accordance with section 8 Your Right to Cancel and there has been no claim(s),you will be refunded in accordance with the criteria below, less a Carole Nash administration charge.Please refer to the Carole Nash Terms of Business on page 10.
Period of cover    % of refund
Up to 1 month     75%
Up to 2 months     62.5%
Up to 3 months    50%
Up to 4 months     40%
Up to 5 months     30%
Up to 6 months     25%
Up to 7 months     20%
Up to 8 months     10%
Over 8 months     Nil
If the policy is cancelled following subsequent renewal with your existing Insurer,please refer to your Policy Schedule for details of cancellation or contact Carole Nash Insurance Consultants Ltd.
You may cancel your policy with immediate effect by notifying Carole Nash Insurance Consultants Ltd by phone or by post.You must return your Certificate of Motor Insurance to Carole Nash Insurance Consultants Ltd,Trafalgar House,110 Manchester Road,Altrincham,Cheshire,WA14 1NU.
In the unlikely event that your existing Insurer or Carole Nash Insurance Consultants Ltd need to cancel your policy,you will be given seven days notice in writing.This will be sent to your last known address.Carole Nash will work out any refund (if applicable) for the unused part of your premium, minus a Carole Nash administration charge.Please refer to the Carole Nash Terms of Business on page 10.
Please bear in mind that it is an offence under the Road Traffic Act to ride,or permit a motor vehicle to be on a public highway or other pubic place,if you have not met the minimum insurance requirement.
10. Arbitration
If we accept your claim, but disagree with the amount due to you, the matter will be passed to an arbitrator who we both agree to. When this happens, the arbitrator must make a decision before you can start proceedings against us.
11. Avoiding certain terms and right of recovery
We may have to pay a claim because the law of a country which this policy runs in says we must. If we would not have paid this claim otherwise, we can ask for a refund from you or the person responsible for causing the claim.
12. Important changes
You must tell Carole Nash Insurance Consultants Ltd immediately about any change in risk which could affect your policy (details of any vehicle change will be entered on the Motor Insurance Database). For example, you must tell Carole Nash Insurance Consultants Ltd if any of the following happens:
you or any other rider has been convicted of any motoring offence including fixed penalty offences;
you or any other rider has been convicted of a criminal offence or have possible prosecutions outstanding;
the main rider of your motorcycle changes;
the registered keeper of your motorcycle changes;
you get an extra motorcycle or change your motorcycle for another one;
any modifications are made to your motorcycle;
you change the place where you usually keep your motorcycle;
any rider develops a health condition which may affect their riding;
the mileometer on your motorcycle fails (applicable only if you have submitted an annual mileage declaration).
you change your occupation
This is not a full list. If you are not sure whether to report any change, please speak to Carole Nash Insurance Consultants Ltd. We may re-assess your cover and premium as a result of any important information you give Carole Nash Insurance Consultants Ltd. If you do not tell Carole Nash Insurance Consultants Ltd anything which is relevant:
your policy may not be valid; and
we may reject your claim.
13. Fraudulent Claims
If a claim is made which you or anyone acting on your behalf knows is false, fraudulent,exaggerated or provides false or stolen documentation in support of a claim,we will not pay the claim and cover under this insurance will be cancelled or voided from the inception and the Police will be notified.

SECTION 3 - Damage to your vehicle
What is covered
If your motorcycle or its accessories are accidentally or maliciously damaged or vandalised during the period of insurance, we will choose to either repair or replace your motorcycle or the accessory, or we will give you a cash payment up to or the same as the market value or agreed value of your motorcycle or the accessory at the time it was damaged. Suitable parts or accessories may be used which are not supplied by the original manufacturer. If your motorcycle is insured on an agreed value basis (as stated in the schedule) in the event of a total loss you may be given the option to purchase any remaining salvage at the amount your motorcycle will attract on the open market in its damaged condition.
If your motorcycle is insured on a market value basis (as stated in the Policy Schedule)in the event of a total loss the salvage/vehicle will become the property of the insurer.