Chaucer Insurance Bike-Marque

Section 5 - Foreign travel
What we cover - Automatic cover
We will extend your insurance cover to apply in the following countries for up to 90 days in any one insurance year. Cover is also included while your motorcycle is being transported to or from these countries by rail or by a recognised sea route which takes less than 65 hours.
a Any member of the European Union.
b Croatia.
c Iceland.
d Lichtenstein.
e Norway.
f Switzerland.
- If you go over the 90-day period without our permission, cover is reduced to the minimum you need under European Union Directives on motor insurance while your motorcycle is in the countries shown above.
Extended cover
# If we agree beforehand, you may extend your insurance to apply to certain other countries covered by the International Green Card System. If the cover under section 3 or 4 has been extended to apply abroad we will also cover any foreign customs duty you have to pay as a direct result of the loss of, or damage to, your motorcycle.
Spanish bail bond
* Our representatives (in Spain) can act to release your motorcycle or you if you or it are held after an accident. Our representatives can pay up to £1,000 to do this. If they pay any money under this bond, you will have to refund the amount to us.

Section 4 - Loss or damage to your motorcycle by fire or theft
What we cover
We will cover you under this section if the loss or damage to your motorcycle is caused by fire, theft or attempted theft (less any excess which applies). We will also provide the same cover for loss or damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for loss or damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
The most we will pay
If your motorcycle was:
first registered from new in the United Kingdom, and originally supplied by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be its market value immediately before the accident or loss (including its spare parts and accessories up to a limit of £100 for any one claim). If your motorcycle was not originally supplied as new by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be, the amount shown on your purchase receipt for your motorcycle (including spare parts and accessories up to a limit of £100 for any one claim), or the market value of the manufacturers United Kingdom model with the nearest equivalent specification (including spare parts and accessories up to a limit of £100 for any one claim); whichever is lower.
Guidance notes
Under this section we will provide cover when your motorcycle is stolen, damaged by thieves or damaged by fire. You will need to pay the excess shown on your schedule.

Bike-marque - Key Features
-Insured-only riding
-Protected no-claim bonus
-European certificate - free 90 days cover
-Discounts for female riders
-Multi-bike policies available

Section 3 - Damage to your motorcycle
The most we will pay
If your motorcycle was:
- first registered from new in the United Kingdom; and
- originally supplied by the manufacturers officially-approved United Kingdom dealership; the most we will pay will be its market value immediately before the accident or loss (including its spare parts and accessories up to a limit of £100 for any one claim).
If your motorcycle was not originally supplied as new by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be:
- the amount shown on your purchase receipt for your motorcycle (including spare parts and accessories up to a limit of £100 for any one claim); or
- the market value of the manufacturers United Kingdom model with the nearest equivalent specification (including spare parts and accessories up to a limit of £100 for any one claim); whichever is lower.
If your motorcycle is under a lease agreement the most we will pay is the written down value or the market value whichever is the lesser.

General conditions
L. If you have an accident, you must take all possible steps to protect your motorcycle and its accessories and contents. If the damage to your motorcycle is covered by this insurance, you must arrange for your motorcycle to be taken to the nearest repairer and we will accept any reasonable costs as part of your claim. We will not pay for any further damage you cause if you try to use your motorcycle. When your motorcycle is at the repairer you must get an estimate for the cost of the repairs and send it to us immediately. One of our approved automotive assessors must inspect your motorcycle before repairs are started. We will not be responsible for the cost of any new parts or accessories ordered, or repairs carried out, without our agreement. If we think the estimate is unreasonable, we may negotiate a lower estimate or pay for any work that may have been done and move your motorcycle to another repairer. We have the right to move your motorcycle to a safe storage place without asking you.

General conditions
L. If you have an accident, you must take all possible steps to protect your motorcycle and its accessories and contents. If the damage to your motorcycle is covered by this insurance, you must arrange for your motorcycle to be taken to the nearest repairer and we will accept any reasonable costs as part of your claim. We will not pay for any further damage you cause if you try to use your motorcycle. When your motorcycle is at the repairer you must get an estimate for the cost of the repairs and send it to us immediately. One of our approved automotive assessors must inspect your motorcycle before repairs are started. We will not be responsible for the cost of any new parts or accessories ordered, or repairs carried out, without our agreement. If we think the estimate is unreasonable, we may negotiate a lower estimate or pay for any work that may have been done and move your motorcycle to another repairer. We have the right to move your motorcycle to a safe storage place without asking you.

Section 3 - Damage to your motorcycle
What we cover
We will cover you under this section for damage to your motorcycle (less any excess which applies). We will also provide cover for damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
We will not pay under this section for damage more specifically covered under section 4 of this insurance.
The most we will pay
If your motorcycle was first registered from new in the United Kingdom and originally supplied by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be its market value immediately before the accident or loss (including its spare parts and accessories up to a limit of £100 for any one claim). If your motorcycle was not originally supplied as new by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be, the amount shown on your purchase receipt for your motorcycle (including spare parts and accessories up to a limit of £100 for any one claim) or the market value of the manufacturers United Kingdom model with the nearest equivalent specification (including spare parts and accessories up to a limit of £100 for any one claim) whichever is lower.
If your motorcycle is under a lease agreement the most we will pay is the written down value or the market value whichever is the lesser.

General exceptions
These exceptions apply to the whole insurance. Your insurance does not cover the following
A. Any liability to others, or loss of or damage to any motorcycle covered by this insurance when the motorcycle is:
-1 being driven by or is in the charge of anyone who is driving without your permission or is not included to drive in the certificate of motor insurance or who is excluded by an endorsement;
-2 in the charge of anyone who is disqualified from driving, or who has not held, or who by law is prevented from holding or getting a driving licence;
-3 being driven outside the limitations of the drivers licence;
-4 outside the United Kingdom, unless it is allowed by section 5;
-5 being used in restricted areas of airports or airfields (we will not pay any claim involving aircraft within the boundary of the airport or airfield);
-6 being driven in an unsafe, unroadworthy or damaged condition or does not have a valid MOT certificate when needed;
-7 being driven with a load or a number of passengers which is unsafe;
-8 carrying an insecure load;
-9 towing a trailer which is unsafe or has an insecure load; or
-10 used for a purpose not included in your certificate of motor insurance.
B. Any result of war, revolution or any similar event. Any loss or damage caused by any government, public or local authority legally taking or damaging your property.
C. Any loss or damage caused by:
- earthquake; or
- riot or civil commotion happening in Northern Ireland or outside the United Kingdom.
D. Any liability you have accepted by agreement or contract unless that liability would have existed without the agreement.
E. Any loss or damage caused directly or indirectly by:
- ionising radiation, or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning nuclear fuel; or
- the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear material or any part of it.
F. Loss or damage caused by pressure waves from aircraft or flying objects.
G. Loss or damage by pollution or contamination, however caused, other than needed by the Road Traffic Acts or any other laws which apply to motor insurance.
H. Any loss, damage, injury or legal liability caused directly or indirectly by terrorism or any similar event. This exception does not apply to the cover we must provide under the Road Traffic Acts or any other laws which apply to motor insurance. This exception does not apply to sections 3 and 4 of this insurance.

General conditions
P, This insurance may also be cancelled in the following circumstances.
- We or your insurance adviser can send you seven days notice to your last known address. If you return the certificate of motor insurance to us, we will refund the part of your premium which applies to the period of the insurance you have left. If we or your insurance adviser cancel this insurance because you have not paid the full premium, we will work out the refund using the rates shown below. We will not give a refund if anyone has claimed in the current insurance period.
- You can cancel this insurance after the initial period of cover set out in O above by sending back your certificate of motor insurance and schedule to us or your insurance adviser. If you have not made any claims in the current period of insurance, and you are not going to make a claim, we will work out a charge for the time you have been covered using our short-period rates shown below. We will refund any amount we owe you.
Period of time you have had the cover up to:   Refund of premium
One month       75.0%
Two months       62.5%
Three months       50.0%
Four to five months      37.5%
Six months       25.0%
Seven months       12.5%
More than seven months      0%

General conditions
P. This insurance may also be cancelled in the following circumstances.
- We or your insurance adviser can send you seven days notice to your last known address. If you return the certificate of motor insurance to us, we will refund the part of your premium which applies to the period of the insurance you have left. If we or your insurance adviser cancel this insurance because you have not paid the full premium, we will work out the refund using the rates shown below. We will not give a refund if anyone has claimed in the current insurance period.
R If you pay your premium by instalments and have paid a deposit premium, if we then do not receive an instalment when it is due, we will send you seven days notice of cancellation. You must pay the full amount you owe before the seven days are up. If you do not pay the full amount, we will cancel the insurance immediately. You must return the current certificate of motor insurance. If your motorcycle is lost or damaged and cannot be repaired or replaced and the loss or damage is covered by this insurance, you must pay all the premium you owe. We will have the right to take any premium you owe from the amount of the claim.

How to make a claim
If the vehicle or fleet is insured with Chaucer Insurance, to initiate a claim please call the Claims Service Hotline any time 24 hours a day, 365 days a year on the following telephone number: 0800 072 2050.

Section 1 - Liability to others
What we cover - Using your motorcycle.
We will cover any payments that have to be made for:
- death of or injury to another person; or
- damage to other peoples property; as a result of an accident involving your motorcycle.
Others using your motorcycle
We will cover you for the following:
- Another person using your motorcycle with your permission as long as this is agreed on your certificate of motor insurance. They will be covered for death or injury to other people, or damaging property.
- Any passenger on your motorcycle will also be given this cover.
If we think it is necessary, we will arrange for a solicitor to represent anyone covered under this section.
Legal personal representatives
If anyone covered by this insurance dies, we will deal with any claim made against their estate as long as the claim is covered by this insurance.
Exceptions to section 1
What we do not cover
a. Anyone who is not driving, but who makes a claim, if they knew the person driving the motorcycle did not hold a valid driving licence.
b. Anyone who is covered by other insurance.
c. The death of or injury to the person driving the motorcycle.
d. Damage, loss of use or any other loss to:
-any motorcycle which is covered under this insurance;
-any property you or anyone else driving the motorcycle owns or is looking after; and
-any trailer towed by or attached to your motorcycle.
e. Death of or injury to any person during the course of their employment, except for the cover we must provide under the Road Traffic Acts or any other laws which apply to motor insurance.
f. Payment of more than £20 million (including legal costs) for damage to other peoples property arising from any one claim or series of claims arising from one cause.

General conditions
L, If you have an accident, you must take all possible steps to protect your motorcycle and its accessories and contents. If the damage to your motorcycle is covered by this insurance, you must arrange for your motorcycle to be taken to the nearest repairer and we will accept any reasonable costs as part of your claim. We will not pay for any further damage you cause if you try to use your motorcycle. When your motorcycle is at the repairer you must get an estimate for the cost of the repairs and send it to us immediately. One of our approved automotive assessors must inspect your motorcycle before repairs are started. We will not be responsible for the cost of any new parts or accessories ordered, or repairs carried out, without our agreement. If we think the estimate is unreasonable, we may negotiate a lower estimate or pay for any work that may have been done and move your motorcycle to another repairer. We have the right to move your motorcycle to a safe storage place without asking you.

Section 3 - Damage to your motorcycle
What we cover
We will cover you under this section for damage to your motorcycle (less any excess which applies). We will also provide cover for damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
We will not pay under this section for damage more specifically covered under section 4 of this insurance.
The most we will pay
If your motorcycle was first registered from new in the United Kingdom and originally supplied by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be its market value immediately before the accident or loss (including its spare parts and accessories up to a limit of £100 for any one claim). If your motorcycle was not originally supplied as new by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be the amount shown on your purchase receipt for your motorcycle (including spare parts and accessories up to a limit of £100 for any one claim) or the market value of the manufacturers United Kingdom model with the nearest equivalent specification (including spare parts and accessories up to a limit of £100 for any one claim) whichever is lower.
If your motorcycle is under a lease agreement the most we will pay is the written down value or the market value whichever is the lesser.

Section 1 - Liability to others
What we cover - Using your motorcycle
We will cover any payments that have to be made for:
- death of or injury to another person; or
- damage to other peoples property; as a result of an accident involving your motorcycle.
Exceptions to section 1
What we do not cover
d- Damage, loss of use or any other loss to:
- any motorcycle which is covered under this insurance;
- any property you or anyone else driving the motorcycle owns or is looking after; and
- any trailer towed by or attached to your motorcycle.
f- Payment of more than £20 million (including legal costs) for damage to other peoples property arising from any one claim or series of claims arising from one cause.

Section 3 - Damage to your motorcycle
What we cover
We will cover you under this section for damage to your motorcycle (less any excess which applies). We will also provide cover for damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
We will not pay under this section for damage more specifically covered under section 4 of this insurance.
Section 4 - Loss or damage to your motorcycle by fire or theft
What we cover
We will cover you under this section if the loss or damage to your motorcycle is caused by fire, theft or attempted theft (less any excess which applies). We will also provide the same cover for loss or damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for loss or damage to spare parts and accessories fitted to your motorcycle. We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
Exceptions to sections 3 and 4
What sections 3 and 4 do not cover
a Damage to or theft of any type of audio equipment, cassette tapes or compact discs.
b Damage to or theft of phones or two-way radios.
l. An amount of more than £100 for any one claim for spare parts and accessories fitted to your motorcycle.
o Loss or damage to personal belongings (such as crash helmets or protective clothing), trade goods, samples, money, stamps or documents.

Section 3 - Damage to your motorcycle
What we cover
We will cover you under this section for damage to your motorcycle (less any excess which applies). We will also provide cover for damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
We will not pay under this section for damage more specifically covered under section 4 of this insurance.
Section 4 - Loss or damage to your motorcycle by fire or theft
What we cover
We will cover you under this section if the loss or damage to your motorcycle is caused by fire, theft or attempted theft (less any excess which applies). We will also provide the same cover for loss or damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for loss or damage to spare parts and accessories fitted to your motorcycle. We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
Exceptions to sections 3 and 4
What sections 3 and 4 do not cover
a Damage to or theft of any type of audio equipment, cassette tapes or compact discs.
b Damage to or theft of phones or two-way radios.
l. An amount of more than £100 for any one claim for spare parts and accessories fitted to your motorcycle.
o Loss or damage to personal belongings (such as crash helmets or protective clothing), trade goods, samples, money, stamps or documents.

Section 3 - Damage to your motorcycle
What we cover
We will cover you under this section for damage to your motorcycle (less any excess which applies). We will also provide cover for damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
We will not pay under this section for damage more specifically covered under section 4 of this insurance.
Section 4 - Loss or damage to your motorcycle by fire or theft
What we cover
We will cover you under this section if the loss or damage to your motorcycle is caused by fire, theft or attempted theft (less any excess which applies). We will also provide the same cover for loss or damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for loss or damage to spare parts and accessories fitted to your motorcycle. We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
Exceptions to sections 3 and 4
What sections 3 and 4 do not cover
a Damage to or theft of any type of audio equipment, cassette tapes or compact discs.
b Damage to or theft of phones or two-way radios.
l. An amount of more than £100 for any one claim for spare parts and accessories fitted to your motorcycle.
o Loss or damage to personal belongings (such as crash helmets or protective clothing), trade goods, samples, money, stamps or documents.

Section 3 Damage to your motorcycle
What we cover
We will cover you under this section for damage to your motorcycle (less any excess which applies). We will also provide cover for damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
We will not pay under this section for damage more specifically covered under section 4 of this insurance.
Section 4 - Loss or damage to your motorcycle by fire or theft
What we cover
We will cover you under this section if the loss or damage to your motorcycle is caused by fire, theft or attempted theft (less any excess which applies). We will also provide the same cover for loss or damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for loss or damage to spare parts and accessories fitted to your motorcycle. We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
Exceptions to sections 3 and 4
What sections 3 and 4 do not cover
a Damage to or theft of any type of audio equipment, cassette tapes or compact discs.
b Damage to or theft of phones or two-way radios.
l. An amount of more than £100 for any one claim for spare parts and accessories fitted to your motorcycle.
o Loss or damage to personal belongings (such as crash helmets or protective clothing), trade goods, samples, money, stamps or documents.

Section 5 - Foreign travel
What we cover - Automatic cover
We will extend your insurance cover to apply in the following countries for up to 90 days in any one insurance year. Cover is also included while your motorcycle is being transported to or from these countries by rail or by a recognised sea route which takes less than 65 hours.
a Any member of the European Union.
b Croatia.
c Iceland.
d Lichtenstein.
e Norway.
f Switzerland.
- If you go over the 90-day period without our permission, cover is reduced to the minimum you need under European Union Directives on motor insurance while your motorcycle is in the countries shown above.
Extended cover
# If we agree beforehand, you may extend your insurance to apply to certain other countries covered by the International Green Card System. If the cover under section 3 or 4 has been extended to apply abroad we will also cover any foreign customs duty you have to pay as a direct result of the loss of, or damage to, your motorcycle.
Spanish bail bond
* Our representatives (in Spain) can act to release your motorcycle or you if you or it are held after an accident. Our representatives can pay up to £1,000 to do this. If they pay any money under this bond, you will have to refund the amount to us.

Section 7 - No-claim bonus
Protected no-claim bonus
Depending on certain conditions you may be able to protect your no-claim bonus if you pay an extra premium. Your no-claim bonus is only protected if this is shown on your schedule. If your no-claim bonus is protected we will not reduce it if you do not make more than two claims during any three years of insurance. If three or more claims are made during any three-year period we will reduce the discount you receive. If four or more claims are made during the three-year period, you will lose your no-claim bonus.

Section 7 - No-claim bonus
Protected no-claim bonus
Depending on certain conditions you may be able to protect your no-claim bonus if you pay an extra premium. Your no-claim bonus is only protected if this is shown on your schedule. If your no-claim bonus is protected we will not reduce it if you do not make more than two claims during any three years of insurance. If three or more claims are made during any three-year period we will reduce the discount you receive. If four or more claims are made during the three-year period, you will lose your no-claim bonus.

General conditions
A. We will only provide the cover described in this insurance under the following circumstances.
- 1 Anyone claiming cover under this contract has kept to all the conditions in this document and any endorsements.
- 2 The information you gave on the proposal form or statement of insurance and any declaration is true and complete. If you do not give us accurate information, this could lead to your claim not being paid or your insurance not being valid.
- 3 Your motorcycle means any motorcycle that you have told us about and that we have agreed to cover. The motorcycle must be your property and registered in your name. If you change the motorcycle covered by this insurance or get an extra motorcycle which you need cover for, you must tell us in writing beforehand.
We will only provide cover if you have paid the premium.
B. If a claim is made which you or anyone acting for you knows is false, or you give us incorrect information or fraudulent documents, we will not pay the claim, cover under this insurance will not be valid and you will lose any premium you have paid.
C. After any event which could lead to a claim, tell us immediately by writing to the address at the end of this document. If any incident involves theft, attempted theft or vandalism you must also report this to the police as soon as the incident is discovered.
D. You must send us any letters, writ or summons as soon as you receive them, together with a filled-in report form. Do not answer any letters, send them straight to us. You must also tell us if you know about any prosecutions involving anyone covered by this insurance. If you have an accident or loss, you must not admit to anyone else that it was your fault or negotiate or refuse any claim unless you have our permission.
E. We are entitled to take full control of any claim and we must be given whatever information and help we need. You must not do anything that will affect our interest in this insurance. We can prosecute or defend any claim in your name.
F If the law in any country to which this insurance applies obliges us to make a payment which we would not otherwise have paid, we reserve the right to recover the amount paid from you or the person, company, partnership or firm that incurred the liability which made the payment necessary.
G. If your motorcycle is damaged and a part or accessory cannot be repaired or replaced, we will only pay you the amount shown in the manufacturers last United Kingdom list price. If your motorcycle is an imported vehicle and the damaged part or accessory has never been available in the United Kingdom, we will only pay the manufacturers last list price in the country your motorcycle came from. We will not pay for the cost of importing any part or accessory needed to repair your motorcycle.
H. If your motorcycle is under a hire purchase or leasing agreement and it is damaged and cannot be repaired or replaced, we will pay the claim to the owner shown in that agreement.
I. If there is other insurance in force which covers the same loss, damage or liability as our insurance, we will only pay any amount over that provided by the other insurance. This condition does not make us responsible for any amount we would not otherwise have paid under any section of this insurance.
J. You must keep your motorcycle in a roadworthy condition at all times, and protect it from loss or damage. We can examine your motorcycle at any reasonable time.
K. You must lock and secure your motorcycle at all times when you leave it.
L. If you have an accident, you must take all possible steps to protect your motorcycle and its accessories and contents. If the damage to your motorcycle is covered by this insurance, you must arrange for your motorcycle to be taken to the nearest repairer and we will accept any reasonable costs as part of your claim. We will not pay for any further damage you cause if you try to use your motorcycle. When your motorcycle is at the repairer you must get an estimate for the cost of the repairs and send it to us immediately. One of our approved automotive assessors must inspect your motorcycle before repairs are started. We will not be responsible for the cost of any new parts or accessories ordered, or repairs carried out, without our agreement. If we think the estimate is unreasonable, we may negotiate a lower estimate or pay for any work that may have been done and move your motorcycle to another repairer. We have the right to move your motorcycle to a safe storage place without asking you.
M. If we choose, we may arrange for the repairer to use suitable parts and accessories that are made by a company other than the manufacturer of your motorcycle.
N. You cannot transfer this insurance to anyone else.
O. Cancelling during the initial period of cover Retail customers only. If you have entered into this contract of insurance as a retail customer, you have a right to cancel this insurance. To do this, you must tell us or your insurance adviser within 14 days of the start date (or annual renewal date) of your policy or (if later) the day you receive the policy documents and supporting information. You must return your certificate of motor insurance to us or your insurance adviser as part of your notice of cancellation. If you choose to cancel the insurance policy during this initial period of cover, you will have to pay pro-rata rates for the period of time you have had insurance cover. Further charges may include a proportion of any commission paid to your insurance adviser and a proportion of any fees charged by your insurance adviser, sufficient to cover their costs.
P. This insurance may also be cancelled in the following circumstances.
- We or your insurance adviser can send you seven days notice to your last known address. If you return the certificate of motor insurance to us, we will refund the part of your premium which applies to the period of the insurance you have left. If we or your insurance adviser cancel this insurance because you have not paid the full premium, we will work out the refund using the rates shown below. We will not give a refund if anyone has claimed in the current insurance period.
- You can cancel this insurance after the initial period of cover set out in O above by sending back your certificate of motor insurance and schedule to us or your insurance adviser. If you have not made any claims in the current period of insurance, and you are not going to make a claim, we will work out a charge for the time you have been covered using our short-period rates shown below. We will refund any amount we owe you.
Period of time you have had the cover, up to:   Refund of premium
One month       75.0%
Two months       62.5%
Three months       50.0%
Four to five months      37.5%
Six months       25.0%
Seven months       12.5%
More than seven months      0%
Q. If your motorcycle is lost or damaged and cannot be repaired or replaced, and the loss or damage is covered by this insurance, when we settle your claim your motorcycle will become our property. We will not refund any premium for the period of insurance you have left but we may decide to let the cover continue for a replacement motorcycle.
R. If you pay your premium by instalments and have paid a deposit premium, if we then do not receive an instalment when it is due, we will send you seven days notice of cancellation. You must pay the full amount you owe before the seven days are up. If you do not pay the full amount, we will cancel the insurance immediately. You must return the current certificate of motor insurance. If your motorcycle is lost or damaged and cannot be repaired or replaced and the loss or damage is covered by this insurance, you must pay all the premium you owe. We will have the right to take any premium you owe from the amount of the claim.
S. You must tell us as soon as possible about any changes which could affect your insurance and which have happened since the cover first started or since you last renewed it. If you do not tell us about these changes, your insurance may not cover you fully or at all. If you are not sure whether any facts are important, please ask your insurance adviser. Here are some examples of changes you should tell us about.
- A change of motorcycle - including getting an extra motorcycle.
- A change in the way you use your motorcycle.
- A change of address.
- A change of occupation, including any part-time work.
- Convictions and prosecutions.
- A change in the main driver of the motorcycle.
- Details of drivers you have not told us about before.
- Details if you or anyone who drives develops any medical condition.
- All changes you make to your motorcycle, if these make your motorcycle different from the manufacturers standard specification.
T. This insurance does not give rights to any person other than you (the insured person) except if we say differently elsewhere in this document.
U. Unless we have agreed otherwise with you, this insurance is governed by the law applying in the particular country in the United Kingdom you live in. If there is any dispute over which law is to apply to this insurance it will be English law. We will not cover any payments that are awarded by a court in a country outside of the United Kingdom unless your cover has been extended to that country under section 5 of this insurance.

Section 3 - Damage to your motorcycle
What we cover
We will cover you under this section for damage to your motorcycle (less any excess which applies). We will also provide cover for damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
We will not pay under this section for damage more specifically covered under section 4 of this insurance.
The most we will pay
If your motorcycle was first registered from new in the United Kingdom and originally supplied by the manufacturers officially-approved United Kingdom dealership; the most we will pay will be its market value immediately before the accident or loss (including its spare parts and accessories up to a limit of £100 for any one claim). If your motorcycle was not originally supplied as new by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be the amount shown on your purchase receipt for your motorcycle (including spare parts and accessories up to a limit of £100 for any one claim) or the market value of the manufacturers United Kingdom model with the nearest equivalent specification (including spare parts and accessories up to a limit of £100 for any one claim); whichever is lower.
If your motorcycle is under a lease agreement the most we will pay is the written down value or the market value whichever is the lesser.
Section 4 - Loss or damage to your motorcycle by fire or theft
What we cover
We will cover you under this section if the loss or damage to your motorcycle is caused by fire, theft or attempted theft (less any excess which applies). We will also provide the same cover for loss or damage to spare parts and accessories fitted to your motorcycle. You must keep the spare parts and accessories with your motorcycle. You will not have to pay any excess towards claims that are only for loss or damage to spare parts and accessories fitted to your motorcycle.
We will either:
- repair or replace your motorcycle; or
- pay you an amount of cash.
The most we will pay
If your motorcycle was first registered from new in the United Kingdom and originally supplied by the manufacturers officially-approved United Kingdom dealership the most we will pay will be its market value immediately before the accident or loss (including its spare parts and accessories up to a limit of £100 for any one claim). If your motorcycle was not originally supplied as new by the manufacturers officially-approved United Kingdom dealership, the most we will pay will be the amount shown on your purchase receipt for your motorcycle (including spare parts and accessories up to a limit of £100 for any one claim) or the market value of the manufacturers United Kingdom model with the nearest equivalent specification (including spare parts and accessories up to a limit of £100 for any one claim), whichever is lower.
If your motorcycle is under a lease agreement the most we will pay is the written down value or the market value whichever is the lesser.
Exceptions to sections 3 and 4
What sections 3 and 4 do not cover
a. Damage to or theft of any type of audio equipment, cassette tapes or compact discs.
b. Damage to or theft of phones or two-way radios.
c. An amount of money to compensate you for not being able to use your motorcycle and any other expenses you have to pay because of this.
d. Loss of value, wear and tear.
e. Any reduction in the value of your motorcycle, including loss of value following damage whether the motorcycle was repaired or not.
f. Damage to tyres caused by braking, punctures, cuts or bursts.
g. Damage caused by frost unless you took reasonable precautions.
h. The cost of repairing or replacing parts of the motorcycle which improve your motorcycle beyond its condition before the loss or damage happened.
i. The cost of repairing or renewing areas which were not damaged in the incident for which you are claiming.
j. The loss of, or damage to, your motorcycle resulting from fraud or deception or by using either a counterfeit or other form of payment which a bank or building society will not authorise.
k. The amount of any excess shown on your schedule.
l. An amount of more than £100 for any one claim for spare parts and accessories fitted to your motorcycle.
m. Mechanical, electrical, electronic, computer or computer software failures, faults, breakdowns or breakages.
n. Loss or damage when your motorcycle is left unattended and the ignition key has not been removed. This applies even for short periods such as in a petrol station.
o. Loss or damage to personal belongings (such as crash helmets or protective clothing), trade goods, samples, money, stamps or documents.
p. Loss or damage resulting from your motorcycle being repossessed by or returned to its rightful owner.
q. Loss or damage when your motorcycle is left unattended if the last person in charge of your motorcycle before the loss or damage is not shown on your certificate of motor insurance as allowed to drive.
r. Loss or damage caused intentionally by you or any member of your family, or loss or damage someone else causes with your permission or encouragement.
s. Loss or damage caused by an inappropriate type or grade of fuel being used.