Hastings Direct Motorcycle Insurance

Section 4
Territorial Limits and using your Motorcycle abroad
The Territorial Limits of this policy are Great Britain, Northern Ireland, Gibraltar, the Isle of Man and the Channel Islands, including transit by sea, air or land within and between these places.
Compulsory Cover outside the Territorial Limits
This policy also provides the minimum cover required by the relevant law to enable you or any person named on the Certificate of Motor Insurance to drive or use your Motorcycle in any country which is a member of the European Union and any other countries which have made arrangements to meet the requirements of Article 7 (2) of the EC Directive on Insurance of Civil Liability arising from the use of motor vehicles (no.72/166/CEE).
Full Policy cover outside the Territorial Limits
The Territorial Limits are automatically extended for 60 days to include:
- any country that is a member of the European Union; and
- Croatia, Iceland, Norway, Switzerland and Liechtenstein.
If you are to use your Motorcycle in excess of 60 days for any one trip in these territories, you must notify us beforehand and obtain our written agreement, paying any additional premium we ask for. Only the minimum cover required by the relevant law will apply unless this condition is met. Full cover applies while your Motorcycle is being transported by air, sea or rail between any of these countries, including loading and unloading, subject to the limitations detailed above.
- This policy does not cover events occurring in a country that is not included in the above unless we agree to extend this policy and we issue an International Motor Insurance Certificate (green card).
How we settle claims
We will settle claims as set out in sections 1 and 2. If we have to pay for the motorcycle to be delivered to you after repairs, we will only pay for it to be delivered to you while you are in the country where the loss or damage occurred.

Section 1
Damage to your motorcycle (except that caused by fire or theft)
What is not covered
- Loss of or damage to helmets and protective clothing.

Section 2
Damage or loss by fire or theft
What is covered
- Loss of or damage to your motorcycle by:
- theft;
- attempted theft; or
- fire and lightning.
What is not covered
- The excess shown for this section on your Schedule. However, you do not have to pay any excess when your motorcycle is with a member of the motor trade for servicing or repairs.
- Loss of use of your motorcycle (including the cost of hiring another vehicle).
- Wear and tear.
- Loss of value.
- Failures, breakdowns or breakage of mechanical, electrical, electronic or computer equipment.
- Damage to your tyres caused by braking, punctures, cuts or bursts.
- Your motorcycle losing market value after or because of repairs.
- Loss or damage to your motorcycle where possession of it is gained by deception of someone who claims to be a buyer or agent.
- Your motorcycle being repossessed by its rightful owner or having to pay compensation to the owner.
- Any accessories that are stolen if your motorcycle is not stolen at the same time.
- Any increased damage as a result of your motorcycle being ridden after the accident.
- Loss of or damage to helmets and protective clothing.
- Loss or damage to your motorcycle if the motorcycle is left unattended and the keys are left in or on your motorcycle.
- Any amount greater than the manufacturers last list price for replacing any lost or damaged part or accessory.
- Repairs or replacements which improve the condition of your motorcycle.
- Loss of or damage to your motorcycle as a result of a deliberate act by anybody insured by the policy.
- Your motorcycle being confiscated or destroyed by or under order of any government or public or local authority.
- Loss of or damage to your motorcycle caused by a member of your immediate family, or a person living in your home taking your motorcycle without your permission.
- Costs of importing parts or accessories or storage costs caused by delays, where the parts or accessories are not available from current stock in the UK.

How we settle claims
For loss or damage to your motorcycle we will either:
- pay for any necessary repairs; or
- pay the market value of your motorcycle immediately before the loss (this is not necessarily the value you declared to us when the insurance was taken out).

What happens if I have an accident?
If you buy comprehensive motorbike insurance cover, we can arrange for your vehicle to be recovered, and you and your passengers taken home or to your destination. You don't need to worry about estimates. If your motorcycle needs repairing, we instruct our own approved repairers. Any repairs and payments are settled directly with our repairers.If you have a third party fire and theft policy you are covered for third party liability.

How we settle claims
For loss or damage to your motorcycle we will either:
- pay for any necessary repairs; or
- pay the market value of your motorcycle immediately before the loss (this is not necessarily the value you declared to us when the insurance was taken out).
Recycled parts or non original parts and equipment may be used in repairs or taken into account in the claims settlement. If you are still paying for your motorcycle under a hire purchase or leasing agreement we will pay a claim for the total loss of your motorcycle to the hire purchase or leasing company. If your motorcycle is a total loss, we may put it in free and safe storage until we settle your claim. If you are paying by instalments and we settle a total loss claim under this section all outstanding premium will be deducted from the claim settlement.

General Exceptions
This policy does not cover the following:
1. Any injury, loss or damage occurring while your motorcycle is being:
-Ridden by or is in the charge of any person not shown on your Certificate of Motor Insurance; or
-used for any purpose not shown on your Certificate of Motor Insurance; or
-used on any race track or circuit other than accidents to which the Road Traffic Act applies.
However, your motorcycle is covered while with a member of the motor trade for the purpose of maintenance or repair.
2. Any injury, loss or damage occurring while your motorcycle is being ridden by any person who does not hold a licence to ride it, unless that person has held and is not disqualified from holding a licence.
3. Liability you have under an agreement, unless you would have had the liability if the agreement didnt exist.
4. Loss, damage, injury or legal liability directly or indirectly caused by, resulting from or in connection with invasion,war, revolution or any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss, except where such liability is required to be covered by the Road Traffic Act. The definition of terrorism shall follow the interpretation as set out in the Terrorism Act 2000 or subsequent amendments thereto or be any act deemed by the Government or a UK Court of Law to be an act of terrorism.
5. Any injury, loss or damage (except under section 3 - Liability to third parties) caused by or arising from:
-earthquake; or
-riot or civil disturbance outside Great Britain, the Isle of Man or the Channel Islands.
6. Loss, damage, injury or legal liability caused directly or indirectly by:
-ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste arising from burning nuclear fuel; or
-the radioactive, poisonous, explosive or other dangerous properties of any explosive nuclear equipment or part of that equipment.
7. Any accident, injury, loss, damage or liability arising while your motorcycle is in a place used for the take off,landing, parking or movement of aircraft, including the associated service roads, refuelling areas and ground equipment parking areas.
8. Any decision or action of a court outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands, unless the decision is made or action is taken in a foreign court because your motorcycle was used in that country and the country is within the territorial limits of this policy.
9. Any liability for death, injury, illness, or loss of or damage to property, arising directly or indirectly from pollution or contamination, unless it is directly caused by an event which is sudden, identifiable, unintended and unexpected. The whole event must happen at a specific time and place during the period of insurance. We will treat all pollution or contamination arising from one incident as having happened at the time of the incident. This policy does not cover claims arising from pollution or contamination which happen as a result of deliberately releasing substances or as a result of leaks from your motorcycle caused by failure to properly maintain it. This exception does not apply where we need to provide the minimum level of cover required by law.
10. Any loss or damage resulting from the impoundment or confiscation of your motorcycle by Customs and Excise, Police or any other Government Authority.

TERMS OF BUSINESS FOR INTERNET SALES
What will you have to pay us for our service?
On motorcycle insurance policies, we do not charge any administration fees for our services but any changes made to your policy may result in additional premium.

General Conditions
3 Cancelling this policy
We may cancel this policy immediately if you do not pay the premium. We may also cancel this policy by sending you 7 days' notice, in writing, to your last known address. A refund of premium for the remaining period of your policy will be allowed as long as no claim has arisen in the current period. In the first year, this will not exceed 80% of the insurance premium. You have the right to cancel this policy within 14 days of taking it out or renewing it (or within 14 days of receiving the policy documents or renewal schedule, if later), without giving a reason. Unless you have made a total loss claim under the policy, you will receive a refund of premium paid, subject to a proportionate charge for any period of cover provided. In these circumstances, the effective date of cancellation will be the date that you serve notice of your wish to cancel. If you serve notice of cancellation prior to commencement of cover, you will be entitled to a full refund of the premium you have paid. You may also cancel the policy at any time after the initial 14-day period detailed above by returning the Certificate of Motor Insurance to us. In this event any refund of premium will be calculated with effect from the date that the Certificate of Motor Insurance is received at the offices of Hastings Bike Team. Short period rates will be used to calculate the refund. If any claims have been submitted during the current annual period of insurance, no refund will be due and if you are paying the annual premium by instalments, then the outstanding loan will become payable in full. If outstanding monies are due, we may retain proof of no claim bonus pending payment.

TERMS OF BUSINESS FOR INTERNET SALES
What will you have to pay us for our service?
On motorcycle insurance policies, we do not charge any administration fees for our services but any changes made to your policy may result in additional premium.

Section 3
Liability to third parties
What is covered
We will also cover the following:
- The cost of emergency treatment under the Road Traffic Act.
And, if we first agree in writing:
- Fees for any solicitor appointed by us for representation at any coroners inquest, fatal accident inquiry or court of summary jurisdiction.
- Costs of legal services arranged by us for defending a charge of manslaughter or causing death by dangerous or careless riding.
- Any other costs and expenses we have agreed to in writing.
What is not covered
Any amount exceeding:
- £20 million for loss of or damage to other peoples property including any related indirect loss or damage; and
- £5 million for legal costs and expenses arising from loss of or damage to other peoples property; arising out of any claim or series of claims caused by one event.

Section 1
Damage to your motorcycle (except that caused by fire or theft)
What is covered
- Loss of or damage to your motorcycle.
What is not covered
- The excess shown for this section on your Schedule. However, you do not have to pay any excess when your motorcycle is with a member of the motor trade for servicing or repairs.
- Loss or damage more specifically covered under section 2.
- Loss of use of your motorcycle (including the cost of hiring another vehicle).
- Wear and tear.
- Loss of value.
- Failures, breakdowns or breakage of mechanical, electrical, electronic or computer equipment.
- Damage to your tyres caused by braking, punctures, cuts or bursts.
- Your motorcycle losing market value after or because of repairs.
- Loss or damage to your motorcycle where possession of it is gained by deception of someone who claims to be a buyer or agent.
- Your motorcycle being repossessed by its rightful owner or having to pay compensation to the owner.
- Any increased damage as a result of your motorcycle being ridden after an accident.
- Loss of or damage to helmets and protective clothing.
- Any amount greater than the manufacturers last list price for replacing any part or accessory lost or damaged.
- Repairs or replacements which improve the condition of your motorcycle.
- Loss of or damage to your motorcycle as a result of a deliberate act by anybody insured by the policy.
- Your motorcycle being confiscated or destroyed by or under order of any government or public or local authority.
- Loss of or damage to your motorcycle caused by a member of your immediate family, or a person living in your home taking your motorcycle without your permission.
- Costs of importing parts or accessories or storage costs caused by delays, where the parts or accessories are not available from current stock in the UK .

Section 3
Liability to third parties
What is covered
We will cover legal liability for the death or injury to any person, and damage to property, caused by:
- you using or being in charge of your motorcycle;
- a trailer attached to your motorcycle;
- any person riding your motorcycle with your permission (as long as your Certificate of Motor Insurance shows that he or she is entitled to ride your motorcycle).
What is not covered
Any amount exceeding:
- £20 million for loss of or damage to other peoples property including any related indirect loss or damage; and
- £5 million for legal costs and expenses arising from loss of or damage to other peoples property; arising out of any claim or series of claims caused by one event.

Section 1 - Damage to your motorcycle
(except that caused by fire or theft)
What is covered
- Loss of or damage to your motorcycle.
What is not covered
- The excess shown for this section on your Schedule. However, you do not have to pay any excess when your motorcycle is with a member of the motor trade for servicing or repairs.
- Loss or damage more specifically covered under section 2.
- Loss of use of your motorcycle (including the cost of hiring another vehicle).
- Wear and tear.
- Loss of value.
- Failures, breakdowns or breakage of mechanical, electrical, electronic or computer equipment.
- Damage to your tyres caused by braking, punctures, cuts or bursts.
- Your motorcycle losing market value after or because of repairs.
- Loss or damage to your motorcycle where possession of it is gained by deception of someone who claims to be a buyer or agent.
- Your motorcycle being repossessed by its rightful owner or having to pay compensation to the owner.
- Any increased damage as a result of your motorcycle being ridden after an accident.
- Loss of or damage to helmets and protective clothing.
- Any amount greater than the manufacturers last list price for replacing any part or accessory lost or damaged.
- Repairs or replacements which improve the condition of your motorcycle.
- Loss of or damage to your motorcycle as a result of a deliberate act by anybody insured by the policy.
- Your motorcycle being confiscated or destroyed by or under order of any government or public or local authority.
- Loss of or damage to your motorcycle caused by a member of your immediate family, or a person living in your home taking your motorcycle without your permission.
- Costs of importing parts or accessories or storage costs caused by delays, where the parts or accessories are not available from current stock in the UK.
Section 2 - Damage or loss by fire or theft
What is covered
- Loss of or damage to your motorcycle by:
- theft;
- attempted theft; or
- fire and lightning.
What is not covered
- The excess shown for this section on your Schedule. However, you do not have to pay any excess when your motorcycle is with a member of the motor trade for servicing or repairs.
- Loss of use of your motorcycle (including the cost of hiring another vehicle).
- Wear and tear.
- Loss of value.
- Failures, breakdowns or breakage of mechanical, electrical, electronic or computer equipment.
- Damage to your tyres caused by braking, punctures, cuts or bursts.
- Your motorcycle losing market value after or because of repairs.
- Loss or damage to your motorcycle where possession of it is gained by deception of someone who claims to be a buyer or agent.
- Your motorcycle being repossessed by its rightful owner or having to pay compensation to the owner.
- Any accessories that are stolen if your motorcycle is not stolen at the same time.
- Any increased damage as a result of your motorcycle being ridden after the accident.

Section 1 - Damage to your motorcycle
(except that caused by fire or theft)
What is covered
- Loss of or damage to your motorcycle.
What is not covered
- The excess shown for this section on your Schedule. However, you do not have to pay any excess when your motorcycle is with a member of the motor trade for servicing or repairs.
- Loss or damage more specifically covered under section 2.
- Loss of use of your motorcycle (including the cost of hiring another vehicle).
- Wear and tear.
- Loss of value.
- Failures, breakdowns or breakage of mechanical, electrical, electronic or computer equipment.
- Damage to your tyres caused by braking, punctures, cuts or bursts.
- Your motorcycle losing market value after or because of repairs.
- Loss or damage to your motorcycle where possession of it is gained by deception of someone who claims to be a buyer or agent.
- Your motorcycle being repossessed by its rightful owner or having to pay compensation to the owner.
- Any increased damage as a result of your motorcycle being ridden after an accident.
- Loss of or damage to helmets and protective clothing.
- Any amount greater than the manufacturers last list price for replacing any part or accessory lost or damaged.
- Repairs or replacements which improve the condition of your motorcycle.
- Loss of or damage to your motorcycle as a result of a deliberate act by anybody insured by the policy.
- Your motorcycle being confiscated or destroyed by or under order of any government or public or local authority.
- Loss of or damage to your motorcycle caused by a member of your immediate family, or a person living in your home taking your motorcycle without your permission.
- Costs of importing parts or accessories or storage costs caused by delays, where the parts or accessories are not available from current stock in the UK.
Section 2 - Damage or loss by fire or theft
What is covered
- Loss of or damage to your motorcycle by:
- theft;
- attempted theft; or
- fire and lightning.
What is not covered
- The excess shown for this section on your Schedule. However, you do not have to pay any excess when your motorcycle is with a member of the motor trade for servicing or repairs.
- Loss of use of your motorcycle (including the cost of hiring another vehicle).
- Wear and tear.
- Loss of value.
- Failures, breakdowns or breakage of mechanical, electrical, electronic or computer equipment.
- Damage to your tyres caused by braking, punctures, cuts or bursts.
- Your motorcycle losing market value after or because of repairs.
- Loss or damage to your motorcycle where possession of it is gained by deception of someone who claims to be a buyer or agent.
- Your motorcycle being repossessed by its rightful owner or having to pay compensation to the owner.
- Any accessories that are stolen if your motorcycle is not stolen at the same time.
- Any increased damage as a result of your motorcycle being ridden after the accident.

Travelling Abroad
Important guidelines when travelling abroad
Please see section 4 for details of where this policy covers you and full details of foreign use. You do not need a green card to travel in the EU and the countries specified in section 4 but you must tell us beforehand if you intend to use your motorcycle in excess of 60 days for any one trip or you intend to visit countries not specified. Unless this condition is met only the minimum cover required by the relevant law will apply.
Take the following insurance documents when you travel abroad:
1 Your Certificate of Motor Insurance.
2 The European accident statement.
You may also find it helpful to have this policy booklet with you for the advice and information given below.

Endorsements
An endorsement only applies if its number is shown on your current Schedule.
02 Protected no-claim bonus. (Two claims in 5 years)
Section 5 of your policy is replaced with the following:
You will keep your no-claim bonus if you make no more than 2 claims in any 5 year period. If you make more than two claims, at the next renewal date your no-claim bonus will be reduced to:
- 2 years no-claim bonus (if you have made 3 claims); or
- no no-claim bonus (if you have made more than 3 claims). Depending on the circumstances of your claim, we may increase your premium.
03 Protected no-claim bonus. (Two claims in 3 years)
Section 5 of your policy is replaced with the following:
You will keep your no-claim bonus if you make no more than 2 claims in any 3 year period. If you make more than two claims, at the next renewal date your no-claim bonus will be reduced to:
- 2 years no-claim bonus (if you have made 3 claims); or
- no no-claim bonus (if you have made more than 3 claims). Depending on the circumstances of your claim, we may increase your premium.
16 Protected no-claim bonus (one claim in 1 year)
Section 5 of your policy is replaced with the following:
If only one claim arises during any period of insurance for which the premium has been reduced by a maximum no-claim bonus, there will be no reduction in the no-claim bonus allowed at the next renewal. The benefit granted by this endorsement does not apply if more than one claim arises during any one period of insurance.

General Conditions
1 Making claims
- In the event of any claim under this policy, you or your legal representative must phone our Claims Helpline with information as soon as is reasonably possible. The telephone number is shown on your Certificate of Motor Insurance and your Schedule.
- You must immediately send to us any writ, summons, letter, claim or other document, unanswered.
- You must immediately tell us about any impending prosecution, inquest or fatal accident inquiry.
- You must not admit liability for or negotiate the settlement of any claim unless you have our written permission.
- You must give us all the information and help requested.
We can for our own benefit:
- take over and conduct the defence or settlement of any claim; and
- take legal action over any claim.
These actions may be taken in your name or the name of any person insured.
2 Care of your motorcycle
You must take all reasonable steps to:
- protect your motorcycle from loss or damage; and
- maintain your motorcycle in good working order.
3 Cancelling this policy
We may cancel this policy immediately if you do not pay the premium. We may also cancel this policy by sending you 7 days' notice, in writing, to your last known address. A refund of premium for the remaining period of your policy will be allowed as long as no claim has arisen in the current period. In the first year, this will not exceed 80% of the insurance premium.You have the right to cancel this policy within 14 days of taking it out or renewing it (or within 14 days of receiving the policy documents or renewal schedule, if later), without giving a reason. Unless you have made a total loss claim under the policy, you will receive a refund of premium paid, subject to a proportionate charge for any period of cover provided. In these circumstances, the effective date of cancellation will be the date that you serve notice of your wish to cancel. If you serve notice of cancellation prior to commencement of cover, you will be entitled to a full refund of the premium you have paid. You may also cancel the policy at any time after the initial 14-day period detailed above by returning the Certificate of Motor Insurance to us. In this event any refund of premium will be calculated with effect from the date that the Certificate of Motor Insurance is received at the offices of Hastings Bike Team. Short period rates will be used to calculate the refund. If any claims have been submitted during the current annual period of insurance, no refund will be due and if you are paying the annual premium by instalments, then the outstanding loan will become payable in full. If outstanding monies are due, we may retain proof of no claim bonus pending payment.
4 Right of Recovery
If we are required under law to pay a claim which we would not otherwise pay, we can recover the amount of the claim from you or the person responsible.
5 Arbitration
If we accept a claim under this insurance, but you and we cannot agree on the amount we should pay, the matter will be referred to an arbitrator. The arbitrator must make a decision before you can take further action against the Insurer.
6 Other insurance
If any liability, loss or damage is covered by any other insurance, we will only pay our share of the claim.
7 Keeping to this policy
We will only provide the cover described in this policy if:
- anyone claiming cover has kept to all its terms, conditions and endorsements; and
- the information you gave on your Motorcycle Proposal Form and declaration is correct and complete as far as you know.
8 Non-payment of premiums
If you are paying in instalments by Direct Debit, you must make sure your instalments are kept up to date. If an instalment is not received on or before the date it is due, we will give you 7 days notice of cancellation in writing. This notice will be sent to your last known address by first class post. The policy will end after the 7 days notice runs out. If a claim has arisen during the current period, the full annual premium will be required. If a total loss claim is settled under section 1 or 2, all outstanding premium will be deducted from the claims settlement.
9 False claims
We will not pay a claim and all cover under the policy is forfeited if you or anyone acting for you makes a claim under the policy knowing the claim to be false, fraudulently inflated or supported by fraudulent documents or if loss, damage or injury is caused by your wilful act or with your connivance.

How we settle claims
For loss or damage to your motorcycle we will either:
- pay for any necessary repairs; or
- pay the market value of your motorcycle immediately before the loss (this is not necessarily the value you declared to us when the insurance was taken out).
Recycled parts or non original parts and equipment may be used in repairs or taken into account in the claims settlement. If you are still paying for your motorcycle under a hire purchase or leasing agreement we will pay a claim for the total loss of your motorcycle to the hire purchase or leasing company. If your motorcycle is a total loss, we may put it in free and safe storage until we settle your claim. If you are paying by instalments and we settle a total loss claim under this section all outstanding premium will be deducted from the claim settlement.