Devitt Bike Insurance

Section 6 - Continental use
Continental use compulsory insurance requirements
In compliance with EU directives this policy provides, as a minimum, the necessary cover to comply with the laws on compulsory insurance of motor vehicles in:
- any country which is a member of the European Union;
- any country which the Commission of the European Communities is satisfied has made arrangements to meet the requirements of Article 7(2) of EC Directive 72/166/EEC relating to civil liabilities arising from the use of a motor vehicle. Eligible countries change from time to time. Devitt can tell you the current list of eligible countries.
In addition to this minimum cover, the policy provides the cover shown in the policy schedule in any country in the Territorial Limits, subject to:
- your motorcycle being normally kept in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man;
- use of your motorcycle for visits to countries outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man being of a temporary nature, not exceeding 90 days in any one trip.
Cover includes:
- transit by sea, air or rail in or between countries within the Territorial Limits;
- reimbursement of any customs duty you may have to pay after temporarily importing your motorcycle into any country within the Territorial Limits, subject to your liability arising as a direct result of a claim covered under this policy;
- General Average contributions, Salvage charges and Sue and Labour charges whilst your motorcycle is being transported by sea within any countries within the Territorial Limits, provided that your motorcycle is covered for loss or damage under this policy.

DA3
Bike Breakdown Cover - supplied by Green Flag Motoring Assistance and underwritten by UK Insurance Limited. The following extension is only operative if the extension is shown in the Supplementary Policy Schedule and the premium required has been paid. Cover will only apply provided that a separate Bike Breakdown policy and schedule have been issued to you for the current period. The following is a summary of the optional Bike Breakdown Cover available. There are three levels of breakdown cover available:
Green Flag Breakdown Service (GFBS):
If your vehicle has been in an incident, which happens at least one mile from your home, you will be provided with Roadside Assistance, and the same cover will apply to your trailer. Help will also be provided to make arrangements for you to finish your journey to:
a destination you choose in the United Kingdom within 10 miles of the incident; or
an appropriate repairer within 10 miles of the incident.
Green Flag Rescue Service (GFRS):
The same cover as Green Flag Breakdown Service (GFBS) plus nationwide recovery.
Green Flag Advanced Rescue Service (GFARS):
The same cover as Green Flag Rescue Service (GFRS) plus Home rescue, which provides cover for incidents within one mile of your home and additional cover to help you complete your journey or pay for overnight bed-and-breakfast accommodation. Cover for use in most of Europe is also provided.
Personal (Plus +) cover
For an additional charge, you can purchase Personal (Plus +) which extends any of the above normal levels of cover to any vehicle you or your spouse drive/ride or travel in. NB. Green Flag Rescue Service (GFRS) and Green Flag Advanced Rescue Service (GFARS) are only available to motorcycles over 125cc and European cover is only available to vehicles less than 10 years old. You must refer to the separate Bike Breakdown policy wording and schedule for full details of the cover selected.
The supplementary policy schedule will also indicate the insurer supplying the cover.

Section 1 - Loss of or damage to your Motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option:
- pay for your motorcycle to be repaired; or
- replace your motorcycle; or
- pay the amount of the loss or damage; and
- pay up to a maximum of £100 in respect of accessories and spare parts relating to your motorcycle while these are on your motorcycle.
The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records.
If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.
Accident recovery
If your motorcycle is disabled through loss or damage insured under this policy, your insurer will pay:
- the reasonable cost of protection and removal to the nearest repairers
- the reasonable cost of delivery to you after the repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
Excesses
If your motorcycle(s) is/are lost, stolen or damaged, (including the motorcycles accessories and spare parts), you will have to pay the first part of any claim.
Your policy schedule will indicate the compulsory excess and any voluntary excess applicable to your motorcycle(s). All excesses (including voluntary excesses) are cumulative and you should pay careful attention to the policy schedule and any additional endorsements to establish the amount you will need to contribute in the event of a claim.
Exceptions to Section 1 of your policy
Your policy does not cover the following:
1. Depreciation, wear and tear
2. Failures, breakdowns or breakages of any mechanical, electrical, electronic or computer equipment
3. Loss of use or other indirect loss
4. Damage to tyres caused by braking or by punctures, cuts or bursts
5. Loss of or damage to accessories and spare parts by theft if your motorcycle is not stolen at the same time
6. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed
7. Loss or damage to helmets and protective clothing
8. Loss of value following repair
9. Loss of your motorcycle including accessories and spare parts if it is left unattended at any time if:
- the ignition key has not been removed and the steering lock has not been set and put in operation; or
- you have agreed with your insurer that a specially-fitted locking device, tracking device, immobiliser or alarm must be fitted, or your insurer has given you a discount from your premium for this, and the
equipment was not in operation and/or activated at the time of the loss
10. Repairs or replacements which increase the market value of your motorcycle
11. The cost of paintwork above the cost of replacing the manufacturers standard paintwork
12. Any amount over the manufacturers last list price for a replacement part or accessory if your insurer cannot obtain it from stock held within the United Kingdom
13. Damage due to liquid freezing in the cooling system, unless you have taken reasonable precautions as laid down by the motorcycle manufacturers instructions
14. Loss or damage resulting from your motorcycle being repossessed by or returned to its rightful owner
15. Loss or damage to your motorcycle resulting from someone obtaining it by fraud or deception.
16. Loss or damage if your motorcycle is confiscated or destroyed by, or under the order of, any government or public or local authority.

Making a claim
Legal procedures now make it vital that you report any accident at once. Strict time scales have been set for dealing with claims, in particular those involving bodily injury. Heavy financial fines may be imposed by the courts if you do not keep to these. This may affect your insurers ability to mount the best defence on you behalf. Delay can involve your insurer in higher costs which may go against your driving record. If the delay is extreme, they may refuse to cover you. In the event of an accident you must report it immediately.
You can contact the Claims Helpline telephone number 0800 015 7535.
Full details of the incident will be taken.
The Helpline telephone numbers are also shown on both the inside front cover and the carry card supplied at the back of this policy.
In case of an incident
If you have been involved in an incident and your motorcycle cannot be ridden, the Helpline will look after your immediate needs, arranging:
- for your motorcycle to be recovered to your own repairer or an approved repairer if appropriate.
- to deal with any immediate concerns you may have, such as contacting those who need to know if you have been involved in an accident.

No (Cover is provided within the optional legal expenses policy)
M O T O R P L U S
Motorist Legal Expenses Insurance Policy Certificate
Your Policy
Subject to the terms, conditions, exclusions and limitations in this Policy, we will pay legal costs to a maximum of £100,000.00 in order to pursue a claim directly arising from one or more insured incidents, occurring within the area of cover and during the cover period and provided that the premium has been paid, if we deem that there are reasonable prospects of success.
Definitions
HIRE CHARGES
The fees incurred in the hire of a replacement motorcycle, private car or standard commercial vehicle for one continuous period.
INSURED INCIDENT
For legal costs:
1. an event which causes damage to the policyholder's vehicle or to your personal property in it; or
2. an event which causes you to be killed or injured whilst you are in or on the policyholder's vehicle.
For hire charges:
an accidental collision between another vehicle and the policyholder's vehicle which renders the policyholder's vehicle undriveable, provided that the accident was entirely the fault of the driver of the other vehicle.
How we will help
Following an insured incident we will take all the details, collate the information about your losses and negotiate to try and recover them.
If a decision is appealed we will help in appealing or defending a appeal.
If an appointed lawyer is used, we will pay the legal costs for this. We will also pay hire charges as long as we have agreed to them first.
Exclusions
6 Any claim for Hire charges if:
6.1 you are claiming against a person who does not have a valid motor insurance;
6.2 we cannot identify and trace the person responsible for causing the insured incident;
6.3 you make your own arrangements for vehicle hire.

Our Professional Charges
All policies available on this website run for 12 months from the inception date. To cancel a policy, please return your present Cover Note or current Certificate of Motor Insurance to our address. There is a fee of £40.00 for cancellation of the policy, although this fee will not apply if the cancellation falls under 'Your right to cancel within 14 days of receipt of your policy documentation' as set out above.

Our Professional Charges
A charge of £20.00 is payable for all mid term changes to the policy (including change of address) which is added to the total premium quoted to you for the change. Requests for duplicate documents will also incur a charge of £20.00. In the event of a return premium being due, our charge will automatically be deducted from the amount refunded to you. No refunds under £10 will be made. Charges are not refundable.

In the Event of an Incident
Act immediately - call our motorcycle insurance claims helpline on: 0800 015 7535 Lines open 24 hours a day 365 days a year. Calls may be recorded.

Section 2 Liability to third parties
Liability to third parties
Your insurer will insure you in respect of all sums which you may be required to pay by law arising from death or injury to third parties, or damage to third party property (subject to the limits contained in Section 2 Exceptions 7.), as a result of an accident caused by:
- your motorcycle;
- any other motorcycle ridden by you in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man which does not belong to you or is not hired to you under a hire purchase or leasing agreement, provided that your current certificate of motor insurance indicates that you can ride such motorcycle and is not a motorcycle which has been seized by, or on behalf of, any government or public or local authority;
- any trailer while it is being towed by your motorcycle, subject to:
- the trailer being properly secured to your motorcycle by towing equipment manufactured for the purpose; and
- the method of towing staying within the manufacturers recommended towing limits and any other relevant law.
Your insurer will also pay any expenses for which you have their written authority to claim.
Liability of other persons riding or using your motorcycle
Your insurer will also insure the following persons under this section in respect of all sums which your insurer may be required to pay by law arising from death or injury to third parties or damage to third party property as a result of an accident:
- any person you give permission to ride your motorcycle provided that your certificate of motor insurance allows that person to ride;
- any person you give permission to use (but not ride) your motorcycle but only whilst it is being used for social, domestic and pleasure purposes.
Indemnity to legal personal representatives
In the event of the death of anyone insured under this section, your insurer will protect his/her legal personal representatives against any liability of the deceased persons, if that liability is insured under this section.
Legal costs
Your insurer will pay for:
solicitors fees if anyone insured under this section is represented at a coroners inquest or fatal accident inquiry or is defending any proceedings in a court of summary jurisdiction;
legal services up to an amount not exceeding £1,000 to defend anyone insured under this section in the event of proceedings being taken for manslaughter or reckless or dangerous driving causing death, provided that at the time of the occurrences the rider is 21 years of age or more. Your insurer will only pay these legal costs if they relate to an incident, which is covered under this section.
Section 2 Exceptions
Exceptions to Section 2 of your policy
The cover under this section will not apply:
1. If any person insured under this section fails to observe the terms exceptions and conditions of this policy as far as they can apply.
2. If any person insured under this section has other insurance covering the same liability.
3. To death or injury to any employee of the person insured which arises out of or in the course of such employment except where such liability is required to be covered by the Road Traffic Acts.
4. To loss of or damage:
- to property belonging to you or anyone insured by this policy;
- to property being conveyed by your motorcycle.
5. In respect of damage to any motorcycle, trailer or property where cover in connection with the use or riding of that motorcycle is provided by this section.
6. To any liability caused by acts of terrorism as defined in the UK Terrorism Act 2000 except where such liability is required to be covered by the Road Traffic Acts.
7. To any liability for loss of or damage to other peoples property over £20,000,000 (or £25,000,000 including costs) for any claim or series of claims for loss of or damage to property including any indirect loss or damage caused by one event.

Optional (Provided within the optional Legal Expenses policy).
M O T O R P L U S
Motorist Legal Expenses Insurance Policy Certificate
How can we help you?
2. For legal advice
For telephone advice on any personal legal problem in the European Economic Area call 01603 420 033
We may monitor or record calls to assist us in maintaining our high standards.
When calling, please quote MotorPlus.
We will not accept responsibility if the Helpline Service is unavailable for reasons beyond our control.

Section 1 - Loss of or damage to your Motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option:
- pay for your motorcycle to be repaired; or
- replace your motorcycle; or
- pay the amount of the loss or damage; and
- pay up to a maximum of £100 in respect of accessories and spare parts relating to your motorcycle while these are on your motorcycle.
The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records.
If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.
Accident recovery
If your motorcycle is disabled through loss or damage insured under this policy, your insurer will pay:
- the reasonable cost of protection and removal to the nearest repairers
- the reasonable cost of delivery to you after the repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
Excesses
If your motorcycle(s) is/are lost, stolen or damaged, (including the motorcycles accessories and spare parts), you will have to pay the first part of any claim.
Your policy schedule will indicate the compulsory excess and any voluntary excess applicable to your motorcycle(s). All excesses (including voluntary excesses) are cumulative and you should pay careful attention to the policy schedule and any additional endorsements to establish the amount you will need to contribute in the event of a claim.
Exceptions to Section 1 of your policy
Your policy does not cover the following:
1. Depreciation, wear and tear
2. Failures, breakdowns or breakages of any mechanical, electrical, electronic or computer equipment
3. Loss of use or other indirect loss
4. Damage to tyres caused by braking or by punctures, cuts or bursts
5. Loss of or damage to accessories and spare parts by theft if your motorcycle is not stolen at the same time
6. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed
7. Loss or damage to helmets and protective clothing
8. Loss of value following repair
9. Loss of your motorcycle including accessories and spare parts if it is left unattended at any time if:
- the ignition key has not been removed and the steering lock has not been set and put in operation; or
- you have agreed with your insurer that a specially-fitted locking device, tracking device, immobiliser or alarm must be fitted, or your insurer has given you a discount from your premium for this, and the
equipment was not in operation and/or activated at the time of the loss
10. Repairs or replacements which increase the market value of your motorcycle
11. The cost of paintwork above the cost of replacing the manufacturers standard paintwork
12. Any amount over the manufacturers last list price for a replacement part or accessory if your insurer cannot obtain it from stock held within the United Kingdom
13. Damage due to liquid freezing in the cooling system, unless you have taken reasonable precautions as laid down by the motorcycle manufacturers instructions
14. Loss or damage resulting from your motorcycle being repossessed by or returned to its rightful owner
15. Loss or damage to your motorcycle resulting from someone obtaining it by fraud or deception.
16. Loss or damage if your motorcycle is confiscated or destroyed by, or under the order of, any government or public or local authority.

The following extension is only operative if the extension is shown in the Supplementary Policy Schedule and the premium required has been paid.
Green Flag Breakdown Service
(GFBS):
If your vehicle has been in an incident, which happens at least one mile from your home, you will be provided with Roadside Assistance, and the same cover will apply to your trailer. Help will also be provided to make arrangements for you to finish your journey to:
a destination you choose in the United Kingdom within 10 miles of the incident; or
an appropriate repairer within 10 miles of the incident.

(A separate policy is issued for Personal Accident cover)
YOUR COVER
If you suffer bodily injury as a result of an accident within the United Kingdom or Northern Ireland whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to the motorcycle insured under your associated motorcycle policy during the period of insurance and which within 104 weeks of the date of the incident solely and independently of any other cause results in your
1. Death
2. permanent total disablement
3. loss of sight
4. loss of limb or limbs
5. loss of speech
6. loss of hearing
we will pay you the applicable benefit as specified in the Table of Benefits shown in the Schedule.
If more than one benefit is payable for injuries you sustain in a single incident that gives rise to a claim the maximum total amount we will pay for all benefits is as shown in the Special Condition in the Schedule.
If you are hospitalised as a direct result of bodily injury sustained as a result of an accident within the United Kingdom or Northern Ireland whilst legally riding or mounting or dismounting or while undertaking
emergency roadside repairs to the motorcycle insured under your associated motorcycle policy during the period of insurance we will pay you the hospitalisation benefit shown in the Table of Benefits for each night you are hospitalised.
DEFINITIONS
You, your
means the person named in the Schedule as the Policyholder.
We, us, our
means Groupama Insurance Company Limited.
Associated motorcycle policy
means the motorcycle policy effected by you at the same time as this contract and evidenced under the motorcycle insurance policy number referred to in the Schedule.
Bodily injury
means physical injury caused solely and directly by accident.
Hospitalised
means you being admitted to a hospital as an in-patient for medical surgical or other remedial attention treatment or diagnosis by a medical practitioner.
Expert medical specialist
means a person other than you or a member of your immediate family or an employee of yours who is qualified as a consultant in the branch of medicine to which the bodily injury relates.
Loss of hearing
means the complete loss of hearing in one or both ears that has lasted for 52 consecutive weeks and which in the opinion of an expert medical specialist will not be recovered.
Loss of limb or limbs
means the complete loss of a limb or limbs by physical separation of
i) an arm at or above the wrist or
ii) leg at or above the ankle
or the total loss of use of an arm or leg which in the opinion of an expert medical specialist will not be recovered.
Loss of sight
means the permanent and total loss of sight that will be considered as having occurred
i) in both eyes if your name is added to the Register of Blind Persons or
ii) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (meaning that you see at 3 feet what you should see at 60 feet).
Loss of speech
means the complete loss of speech that has lasted for 52 consecutive weeks and which in the opinion of an expert medical specialist will not be recovered
Medical practitioner
means a person other than you or a member of your immediate family or an employee of yours who is qualified and licensed to practice medicine.
Period of insurance
means the period shown in the Schedule
Permanent total disablement
means disablement which has lasted for 52 consecutive weeks and which in the opinion of an expert medical specialist will prevent you from engaging in gainful employment of any and every kind for the remainder of your life.
WHAT IS NOT COVERED
We will not pay benefit for bodily injury directly or indirectly caused by or contributed to or arising from:
i) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not) civil war, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power
ii) any act of terrorism of any kind including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear
iii) your use of a motorcycle for any business trade commercial or professional purposes including but not limited to use as a courier, despatch rider, fast food delivery rider or the like
iv) you committing or attempting to commit suicide or intentional self injury
v) any sickness illness or disease
vi) pregnancy or childbirth
vii) you committing a criminal or unlawful act
viii) you being under the influence of or being affected by alcohol or drugs other than drugs taken under the direction of a medical practitioner
ix) deliberate exposure to danger except in an attempt to save human life
x) your use of a motorcycle not in a roadworthy condition
xi) participation in any racing rallies competitions speed tests time trials or the like or while you are serving a ban from holding a motorcycle licence
xii) muscular or skeletal condition or injury unless caused directly by external sudden violent and visible means during the period of insurance and which is not aggravated by any previous muscular or skeletal condition or injury
xiii) your participation in active service in any armed forces
xiv) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly.
We will not pay benefit arising from any bodily injury you sustain on or after your 70th birthday.
CLAIMS PROCEDURE
When you become aware of an incident that could lead to a claim you must notify us as soon as reasonably possible in writing or by telephone at the following address and request a claim form. You should then
complete the claim form, sign it and return it to us as quickly as possible.
Groupama Insurances, The Nexus Building, Broadway, Letchworth Garden City, Hertfordshire SG6 3TE.
Telephone number: 0870 850 0181
CLAIMS CONDITIONS
i) You must place yourself under the care of a medical practitioner and follow their advice.
ii) You must, at your expense, provide us with any reports certificates information and evidence that we ask for and do so in the manner we request.
iii) If we request it you must undergo medical examination at our expense.
iv) Any disability that exists or existed prior to an incident will be taken into account in considering a claim under this Policy.
v) You must notify the Police immediately following any incident likely to give rise to a claim under this Policy.
vi) No amount payable will bear interest.
COOLING OFF PERIOD
There is a 14 day cooling off period from the date this Policy is issued. During this period, you may return the Policy to the intermediary who sold you this insurance if it does not meet your requirements and we will give you a full refund of the premium you have paid provided you have not made a claim or intend making a claim in the future.
We will make a charge of 20% of the annual Policy premium if you have made or reported a claim.
DATA PROTECTION
You should understand that we will hold and process sensitive information concerning your health and other personal data for insurance administration purposes. To do this we may pass information to third parties. This may involve passing information to other countries including those that have limited or no data protection laws. By affecting or renewing this insurance you give explicit consent to us holding and processing this data about you and you confirm that all the data you supply is accurate. Telephone calls may be recorded.
POLICY CONDITIONS
Duty of Care
You must take all reasonable care to protect yourself against bodily injury.
Observance
Our liability is conditional on your observance of the terms and Conditions of this Policy.
Assignment
Unless we agree to do so we will not be bound to accept or be affected by any trust, charge, lien, assignment or other dealing with or relating to this Policy.
Automatic Termination of Cover
All cover provided by this policy will cease immediately and on the same day as the associated motorcycle policy is lapsed or cancelled for whatever reason and no refund of premium will be made.
Cancellation
We reserve the right to cancel this Policy by giving you 30 days notice in writing at your last known address. You may cancel this Policy by giving us notice in writing. We will cancel the Policy from the date we receive your notice or any later date you request. In the event of cancellation no refund of premium will be made.
Fraud
We will not pay any claim if it is in any respect dishonest or fraudulent.
Jurisdiction
This contract will be governed by and construed in accordance with English law and will be subject to the jurisdiction of the English courts.
Non-Disclosure
This Policy will be voidable by us if you misrepresent, misdescribe or fail to disclose any material fact to us.
Arbitration
If any dispute arises between you and us over the amount payable it will be referred to an arbitrator jointly appointed by you and us in line with the law at the time. The decision of the arbitrator will be final and binding on both you and us and judgement of the award made by the arbitrator may be entered in any court that has jurisdiction. Whoever loses the arbitration will pay the costs of arbitration. If the decision is not totally in favour of either you or us, the arbitrator will decide who will pay the costs.

Section 2 Liability to third parties
Liability to third parties
Your insurer will insure you in respect of all sums which you may be required to pay by law arising from death or injury to third parties, or damage to third party property (subject to the limits contained in Section 2 Exceptions 7.), as a result of an accident caused by:
- your motorcycle;
- any other motorcycle ridden by you in Great Britain, Northern Ireland, the Channel Islands and the Isle of Man which does not belong to you or is not hired to you under a hire purchase or leasing agreement, provided that your current certificate of motor insurance indicates that you can ride such motorcycle and is not a motorcycle which has been seized by, or on behalf of, any government or public or local authority;
- any trailer while it is being towed by your motorcycle, subject to:
- the trailer being properly secured to your motorcycle by towing equipment manufactured for the purpose; and
- the method of towing staying within the manufacturers recommended towing limits and any other relevant law.
Your insurer will also pay any expenses for which you have their written authority to claim.
Liability of other persons riding or using your motorcycle
Your insurer will also insure the following persons under this section in respect of all sums which your insurer may be required to pay by law arising from death or injury to third parties or damage to third party property as a result of an accident:
- any person you give permission to ride your motorcycle provided that your certificate of motor insurance allows that person to ride;
- any person you give permission to use (but not ride) your motorcycle but only whilst it is being used for social, domestic and pleasure purposes.
Indemnity to legal personal representatives
In the event of the death of anyone insured under this section, your insurer will protect his/her legal personal representatives against any liability of the deceased persons, if that liability is insured under this section.
Legal costs
Your insurer will pay for:
solicitors fees if anyone insured under this section is represented at a coroners inquest or fatal accident inquiry or is defending any proceedings in a court of summary jurisdiction;
legal services up to an amount not exceeding £1,000 to defend anyone insured under this section in the event of proceedings being taken for manslaughter or reckless or dangerous driving causing death, provided that at the time of the occurrences the rider is 21 years of age or more. Your insurer will only pay these legal costs if they relate to an incident, which is covered under this section.
Section 2 Exceptions
Exceptions to Section 2 of your policy
The cover under this section will not apply:
1. If any person insured under this section fails to observe the terms exceptions and conditions of this policy as far as they can apply.
2. If any person insured under this section has other insurance covering the same liability.
3. To death or injury to any employee of the person insured which arises out of or in the course of such employment except where such liability is required to be covered by the Road Traffic Acts.
4. To loss of or damage:
- to property belonging to you or anyone insured by this policy;
- to property being conveyed by your motorcycle.
5. In respect of damage to any motorcycle, trailer or property where cover in connection with the use or riding of that motorcycle is provided by this section.
6. To any liability caused by acts of terrorism as defined in the UK Terrorism Act 2000 except where such liability is required to be covered by the Road Traffic Acts.
7. To any liability for loss of or damage to other peoples property over £20,000,000 (or £25,000,000 including costs) for any claim or series of claims for loss of or damage to property including any indirect loss or damage caused by one event.

Definitions
Accessories
Additional or supplementary parts of your motorcycle that have been fitted after its manufacture and are not directly related to its function as a motorcycle. These include radios that form an integral part of the motorcycle, top boxes, tank bags and other luggage carriers while fitted to your motorcycle.
Loss of or damage to your Motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option:
pay for your motorcycle to be repaired; or
replace your motorcycle; or
pay the amount of the loss or damage; and
pay up to a maximum of £100 in respect of accessories and spare parts relating to your motorcycle while these are on your motorcycle.
The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records. If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.
Section 1- Exceptions
Your policy does not cover the following:
1. Depreciation, wear and tear.
2. Failures, breakdowns or breakages of any mechanical, electrical, electronic or computer equipment.
5. Loss of or damage to accessories and spare parts by theft if your motorcycle is not stolen at the same time.
9. Loss of your motorcycle including accessories and spare parts if it is left unattended at any time if:
- the ignition key has not been removed and the steering lock has not been set and put in operation; or
- you have agreed with your insurer that a specially-fitted locking device, tracking device, immobiliser or alarm must be fitted, or your insurer has given you a discount from your premium for this, and the equipment was not in operation and/or activated at the time of the loss.
12. Any amount over the manufacturers last list price for a replacement part or accessory if your insurer cannot obtain it from stock held within the United Kingdom.

Travelling abroad
If you take your motorcycle abroad
A Green Card is an International Certificate of Motor Insurance required as proof of motor insurance cover by countries outside of the policy Territorial Limits as defined on page 6.
All countries within the Territorial Limits, at present, with the exception of Andorra, have agreed that a Green Card is not necessary for cross border travel. Your certificate of motor insurance should, therefore,
provide sufficient evidence that you are complying with the laws on the compulsory insurance of motor vehicles in any of these countries that you visit.
Your Certificate of Motor Insurance carries statements on the reverse of the document in the main European languages for presentation to the police or other officials confirming that you have the necessary insurance to ride in their countries.
There is no cover for countries outside the Territorial Limits. Your insurer may, however, be prepared to cover countries outside the Territorial Limits on request, in which case Devitt will provide you with a Green Card and an additional premium will be required.

Varies depending on underwriter.
Section 5 - No Claim Discount
If a claim is not made under your policy, your renewal premium will be reduced in accordance with the scale applicable at such time with your insurer. (Devitt can tell you what the current scale is).
The No Claim Discount is applied to the policy premium as a whole (excluding any flat rate premiums) and in the event of a claim, the discount will be reduced in accordance with the scale applicable with your insurer at such time, regardless of the number of motorcycles insured under the policy and which motorcycle was involved. The reduction in discount will not apply if you have paid to protect your No Claim Discount, subject to the terms and conditions of that Protection provided by your insurer.
No Claim Discount is not earned under a policy issued and in force for less than 12 months.
If your insurer consents to a transfer of this policy to another person, the No Claim Discount already earned under this policy will not apply to the person to whom the policy is being transferred.

General conditions - applicable to all sections
Claims procedure
1. As soon as reasonably possible after any accident, injury, loss or damage, you or your legal representatives must give your insurer full details of the incident. Any communication you receive about the incident should be sent to your insurer immediately. You or your legal personal representatives must also let your insurer know immediately if anyone insured under this policy is to be prosecuted as a result of the incident or if there is to be an inquest or if there has been a fatal accident.
2. You, or anyone else claiming under this policy must not admit to any claim, promise any payment or refuse any claim without the written consent of your insurer. If your insurer wants to, they can take over and conduct in your name, or in the name of the person claiming under the policy, the defence or settlement of any claim or take proceedings for their own benefit to recover any payment your insurer has made under this policy. Your insurer shall have full discretion in the conduct of any proceedings or the settlement of any claim. The person who is seeking payment under this policy shall give your insurer all the information and assistance necessary for them to achieve a settlement.
Cancellation
3. Your cancellation rights the cooling off period
If having examined your policy documentation you decide that the cover provided does not meet your requirements you have a statutory right (under Financial Services Authority rules) to return your certificate of motor insurance and policy schedule to us within 14 days of receipt and to receive a refund of premium, less any charge for the number of days for which cover has been provided. However no refund will be
due if a claim involving the total loss of your vehicle has been made during that period.
If you do not exercise your right to cancel your policy within the statutory cooling off period, it will continue in force.
After the 14-day cooling off period you can still cancel this policy at any time by returning your certificate of motor insurance to us. Provided that no claim has occurred in the current period of insurance, your insurer will calculate the premium for the period they have been insuring you and a rebate will be allowed in accordance with the scale shown in the policy schedule.
NB1:
A cancellation will only become effective from the date Devitt receive the return of the current certificate of motor insurance or a Statutory Declaration, if you have lost the certificate of motor insurance.
NB2:
Your insurer may cancel this policy by sending not less than seven days notice to your last known address (and in the case of Northern Ireland, also to the Department of the Environment, Northern Ireland). Your
insurer will calculate the premium for the period they have been insuring you and will refund any balance of premium due to you.
Other Insurance
4. If at the time of any claim arising under this policy there is any other insurance policy covering the same loss, damage or liability, your insurer will only pay their share of the claim. This provision will not place any obligation upon your insurer to accept any liability under Section 2 that they would otherwise be entitled to exclude under Exception 1 to Section 2.
Your duty to prevent loss or damage
5. You shall at all times take all reasonable steps to safeguard your motorcycle from loss or damage. You shall maintain your motorcycle in efficient condition and your insurer shall have, at all times, free access to examine such motorcycle.
Premiums payable by instalments
6. If you are paying your premium in instalments and you miss a payment, your insurer will cancel your cover. You will be given seven days notice prior to cancellation.
Your duty to comply with policy Conditions
7. The provision of insurance under this policy is conditional upon you observing and fulfilling the terms, provisions, conditions and endorsements of this policy.
Fraud
8. You or anyone acting for you must not act in a fraudulent manner. If you or anyone acting for you:
- make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect; or
- make a statement in support of a claim knowing the statement to be false in any respect; or
- submit a document in support of a claim knowing the document to be forged or false in any respect; or
- make a claim in respect of any loss or damage caused by your wilful act or with your connivance,
then your insurer:
- will not pay the claim
- may at their option invoke the policy cancellation clause
- may recover from you the amount of any claim paid in relation to the incident
- will not make any return of premium
- may inform the police of the circumstances.
Parties to this contract
9. The parties to this contract of insurance are you and the insurer. No one else has any rights they can enforce under this contract except those they have under the Road Traffic Acts.
Data Protection notice
10. Please refer to the Data Protection notice within your policy documentation e.g.Proposal form/statement of fact and/or Policy schedule, which contains important information about the use of your personal details. Please make sure that you read the Data Protection notice carefully.By taking out this insurance policy, you confirm that your personal details may be used in accordance with the Data Protection notice. As the terms of the Data Protection notice will also apply to anyone else insured under your policy, you should also show the Data Protection notice to anyone else whose name you give us in connection with your policy.

Section 1 - Loss of or damage to your Motorcycle
If your motorcycle is lost, stolen or damaged, your insurer will, at their option:
- pay for your motorcycle to be repaired; or
- replace your motorcycle; or
- pay the amount of the loss or damage; and
- pay up to a maximum of £100 in respect of accessories and spare parts relating to your motorcycle while these are on your motorcycle.
The maximum amount your insurer will pay will be the market value of your motorcycle but not exceeding your estimate of value shown in their records.
If, to the knowledge of the insurer, your motorcycle is subject to a hire purchase or leasing agreement, any payment will be made to the owner described in that agreement whose receipt will be a full and final discharge to your insurer.