Masterquote Motorcycle Insurance

Panel
We/Us/The Insurer
The authorised Insurer or Lloyds syndicate shown at the foot of the Certificate of Motor Insurance and/or on the current Policy Schedule. All Insurers are authorised and regulated by the Financial Services Authority.

SECTION 5 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 the 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/CEE relating to civil liabilities arising from the use of a motor vehicle.
Cover under this section includes
- Transit by sea, air or rail in or between countries within the Territorial Limits provided it is by a recognised route which takes 65 hours or less under normal conditions or via the Channel Tunnel fixed link.
- 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 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.
Subject to Your Motorcycle normally being kept in Great Britain this policy provides the cover shown in the Policy Schedule in any country in the Territorial Limits subject to You not exceeding 45 days in any one Period of Insurance. A Green Card will not be issued as this is not necessary for cross border travel and 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. There is no cover for countries outside the Territorial Limits. If You cannot ride the Motorcycle because of loss or damage covered by this policy, We will also pay the reasonable cost of delivering it to your address in the United Kingdom. We will also pay the amount of customs duty You have to pay as result of the loss or damage.

SECTION 1 Loss or damage
Exceptions to Section 1 of Your Policy
Your policy does not cover the following:
6 loss of or damage to helmets and protective clothing.

SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if Your Motorcycle is stolen, damaged or destroyed, We will, at our option, either:
- pay for Your Motorcycle to be repaired
- or replace Your Motorcycle
- or pay the amount of the loss or damage.
The same cover also applies to Accessories and spare parts relating to Your Motorcycle while these are on Your Motorcycle. The maximum amount We will pay will be the Market Value of Your Motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your Policy Schedule. If to our knowledge, Your Motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to Us.
Accident Recovery
If Your Motorcycle is disabled through loss or damage insured under this policy We will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to You after repair but not exceeding the reasonable cost of transporting Your Motorcycle to Your address in Great Britain.
New Motorcycle Replacement
We will replace Your Motorcycle with a new Motorcycle of the same make and specification (subject to availability) if, within 6 months of purchase new by You:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT) at the time of purchase:
- or Your Motorcycle is stolen and not recovered. Replacement is subject to: Your Motorcycle being owned by You or having been purchased under a hire purchase or credit sale agreements (any Motorcycle the subject of any type of leasing or contract hire agreement is not eligible for replacement).
- the agreement of any interested hire purchase company.
- You being the first registered owner of Your Motorcycle.
Exceptions to Section 1 of Your Policy
Your policy does not cover the following:
1 loss of use, wear and tear, depreciation, deterioration.
2 mechanical, electrical, electronic, computer failures or breakdowns or breakages.
3 damage to tyres caused by braking or by punctures, cuts or bursts.
4 loss of/or damage to Accessories and spare parts by Theft if Your Motorcycle is not stolen at the same time.
5 loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
6 loss of or damage to helmets and protective clothing.
7 loss of value following repair.
8 loss or damage arising from Theft whilst the ignition keys of Your Motorcycle have been left in or on Your Motorcycle.
9 the first amount of any claim specified under Excess details in the schedule.
10 loss of or damage to Your Motorcycle as a result of legal repossession.
11 any loss or damage caused by Theft or attempted Theft if the security system fitted to Your Motorcycle at the time of the loss was not activated and working properly. All keys used to activate/deactivate the alarm/immobiliser fitted to Your Motorcycle must be submitted to your insurer with the claim form.
12 Theft, or attempted Theft, that involves somebody lying to get Your Motorcycle.
13 any extra costs caused by the parts or replacements not being available in the United Kingdom.
14 confiscation or requisition or destruction by or under order of any Government or Public or Local Authority.
15 loss of or damage to Your Motorcycle deliberately caused by You or anyone riding with your permission.
16 loss of or damage to Your Motorcycle caused by an inappropriate type or grade of fuel being used.
17 an amount of more than £100 for any one claim for spare parts or accessories fitted.

SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if Your Motorcycle is stolen, damaged or destroyed, We will, at our option, either:
- pay for Your Motorcycle to be repaired
- or replace Your Motorcycle
- or pay the amount of the loss or damage.
The same cover also applies to Accessories and spare parts relating to Your Motorcycle while these are on Your Motorcycle. The maximum amount We will pay will be the Market Value of Your Motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your Policy Schedule. If to our knowledge, Your Motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to Us.

SECTION 1 Loss or damage
Accident Recovery
If Your Motorcycle is disabled through loss or damage insured under this policy We will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to You after repair but not exceeding the reasonable cost of transporting Your Motorcycle to Your address in Great Britain.

SECTION 1 Loss or damage
Accident Recovery
If Your Motorcycle is disabled through loss or damage insured under this policy We will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to You after repair but not exceeding the reasonable cost of transporting Your Motorcycle to Your address in Great Britain.

New Motorcycle Replacement
We will replace Your Motorcycle with a new Motorcycle of the same make and specification (subject to availability) if, within 6 months of purchase new by You:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT) at the time of purchase:
- or Your Motorcycle is stolen and not recovered.
Replacement is subject to:
- Your Motorcycle being owned by You or having been purchased under a hire purchase or credit sale agreements (any Motorcycle the subject of any type of leasing or - contract hire agreement is not eligible for replacement).
- the agreement of any interested hire purchase company.
- You being the first registered owner of Your Motorcycle.

SECTION 9 General Conditions
Cancelling your Policy
The Administrator or We may cancel your policy by giving You 7 days notice by letter to your last known address. You will receive a proportionate refund of the premium paid (see scale below) less any agreed charges detailed in the terms of business, provided:
- You have returned the Certificate of Motor Insurance ; and
- You have paid the premium in full; and
- a claim has not been made where no recovery occurred during the current Period of Insurance .

Our Terms of Business
Charges
In addition to premiums charged by insurers we make the following charges:
Duplicate Documents   £20.00
All mid term adjustments  £20.00
Cancellation of the policy within the first 14 days
Provided that there has not been a total loss claim and you have called us or written to us within the 14 days to confirm cancellation we will make a charge for the time you have been on cover plus £20.00.
Cancellation of the policy after the first 14 days
Your policy is a contract for 12 months. If your insurance is cancelled for any reason after the first 14 days the following charges will be applied in addition to the charge made by your insurer for the cover you have had:
Motorcycle charges
Length of time you had the cover   Refund of Premium
1 Month      80%
2 Months      70%
3 Months      60%
4 Months      50%
5 Months      40%
6 Months      30%
7 Months      20%
8 Months      10%
We will not give You a refund if We provide over 8 months cover.

If you need to make a claim, phone our Claims Line on 0870 606 1365 within the opening hours:
- 0800 - 1800 Monday-Friday
- 0900 - 1400 Saturday
Or you can email any questions or comments to the claims department and they will be back in touch as soon as they can with a reply.

Legal Costs
We will pay for:
- solicitors appointed by Us if anyone We insure under this section is represented at a coroner's inquest or fatal accident inquiry or is defending any proceedings in a court of summary jurisdiction.
- legal services arranged by Us up to an amount not exceeding £1000 to defend anyone We insure 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 occurrence the rider is 21 years of age or more. We will only pay these - legal costs if they relate to an incident which is covered under this section.
Exceptions to Section 2
The cover under this section will not apply:
7 for fines, penalties, punitive exemplary or aggravated damages of any kind or any additional damages resulting from the multiplication of compensatory damages.
8 to any amount over £20,000,000 for any one claim or series of claims arising from one event that causes loss or damage to property. This limit is inclusive of all costs and expenses up to £5,000,000. These limits do not apply to claims occurring in other countries where the Territorial Limits and Green Card section is operative if the maximum liability required by law in that country is greater.

SECTION 10 Motorcycle Legal Protection
What is Covered
3 UIS will provide a 24 hour Legal Helpline providing expert advice to the Member on any personal, civil or criminal legal matter. Telephone: 01775 764165.

SECTION 1 Loss or damage
Accident Recovery
If Your Motorcycle is disabled through loss or damage insured under this policy We will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to You after repair but not exceeding the reasonable cost of transporting Your Motorcycle to Your address in Great Britain.

SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if Your Motorcycle is stolen, damaged or destroyed, We will, at our option, either:
- pay for Your Motorcycle to be repaired
- or replace Your Motorcycle
- or pay the amount of the loss or damage.
The same cover also applies to Accessories and spare parts relating to Your Motorcycle while these are on Your Motorcycle. The maximum amount We will pay will be the Market Value of Your Motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your Policy Schedule. If to our knowledge, Your Motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to Us.
Accident Recovery
If Your Motorcycle is disabled through loss or damage insured under this policy We will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to You after repair but not exceeding the reasonable cost of transporting Your Motorcycle to Your address in Great Britain.
New Motorcycle Replacement
We will replace Your Motorcycle with a new Motorcycle of the same make and specification (subject to availability) if, within 6 months of purchase new by You:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT) at the time of purchase:
- or Your Motorcycle is stolen and not recovered. Replacement is subject to: Your Motorcycle being owned by You or having been purchased under a hire purchase or credit sale agreements (any Motorcycle the subject of any type of leasing or contract hire agreement is not eligible for replacement).
- the agreement of any interested hire purchase company.
- You being the first registered owner of Your Motorcycle.
Exceptions to Section 1 of Your Policy
Your policy does not cover the following:
1 loss of use, wear and tear, depreciation, deterioration.
2 mechanical, electrical, electronic, computer failures or breakdowns or breakages.
3 damage to tyres caused by braking or by punctures, cuts or bursts.
4 loss of/or damage to Accessories and spare parts by Theft if Your Motorcycle is not stolen at the same time.
5 loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
6 loss of or damage to helmets and protective clothing.
7 loss of value following repair.
8 loss or damage arising from Theft whilst the ignition keys of Your Motorcycle have been left in or on Your Motorcycle.
9 the first amount of any claim specified under Excess details in the schedule.
10 loss of or damage to Your Motorcycle as a result of legal repossession.
11 any loss or damage caused by Theft or attempted Theft if the security system fitted to Your Motorcycle at the time of the loss was not activated and working properly. All keys used to activate/deactivate the alarm/immobiliser fitted to Your Motorcycle must be submitted to your insurer with the claim form.
12 Theft, or attempted Theft, that involves somebody lying to get Your Motorcycle.
13 any extra costs caused by the parts or replacements not being available in the United Kingdom.
14 confiscation or requisition or destruction by or under order of any Government or Public or Local Authority.
15 loss of or damage to Your Motorcycle deliberately caused by You or anyone riding with your permission.
16 loss of or damage to Your Motorcycle caused by an inappropriate type or grade of fuel being used.
17 an amount of more than £100 for any one claim for spare parts or accessories fitted.

The Contract
This policy is a contract between the participating customer and Ultimate Insurance Solutions on behalf of certain Underwriters at Lloyds. Ultimate Insurance Solutions Limited is a Lloyds Coverholder who have been granted authority to accept insurance and make claims payments on behalf of certain Lloyds syndicates. Subject to the participating customer having paid the premium due the Underwriters agree to provide the cover in the terms set out in this policy.
The Cover
If an Insured Person sustains Bodily Injury during the Effective Time the Underwriters agree to pay the Benefit to the Insured Person provided that such Bodily Injury is sustained during the Period of Insurance noted on the Certificate of Insurance.
Definitions
Participating Customers - all customers of the Insurance Intermediary who have paid or agreed to pay the required premium and are noted on the Certificate of Cover.
Insured Person - Participating Customers and any permitted rider.
Accident - a sudden and unforseen event which occurs after the policy start date resulting in bodily injury including assault.
Bodily Injury - any in which is caused by accidental means and which within 104 weeks from the date of the accident shall, solely and independently of any other cause, result in the Insured Persons Death, Loss of Limb(s), Loss of Eye(s), Loss of Hearing, Loss of Speech or Permanent Total Disablement.
Insurance Intermediary - the Insurance Intermediary who has arranged this policy and your Motor Insurance.
Period of Cover - as defined on the Certificate of Cover. Not to exceed 12 months from the Effective Date of Cover.
Benefit - the amount shown in the Table of Benefits.
Effective Time - whilst an Insured Person is riding, using or in charge of any Motorcycle which is being used for work, domestic and pleasure purposes (including travel between their normal residence and their place of work).
Loss of Eye or Eyes - shall mean the permanent and total loss of sight which
- shall be considered as having occurred: in both eyes if the Insured Persons name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist.
- in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale (meaning the Insured Person sees at 3 feet what they should see at 60 feet).
Loss of Limb or Limbs - shall mean the permanent and complete loss of a limb or limbs by physical separation at or above the wrist or ankle or the permanent and complete loss of use of a limb or limbs.
Loss of Hearing - total, permanent and irrecoverable loss of hearing.
Loss of Speech - total, permanent and irrecoverable loss of speech.
Motorcycle - means a two wheel mechanically propelled vehicle including motorcycle combinations.
Permanent Total Disablement -
shall mean disablement, caused other than by Loss of Limb, Eye, Hearing or Speech which has lasted for 52 consecutive weeks and will in all probability prevent the Insured Person from engaging in gainful employment of any and every kind for the remainder of their life.
Assault - shall mean a sudden, unexpected attack by an unknown third party with deliberate intent to cause bodily injury at an identifiable time and place following a road incident within the United Kingdom.
Underwriters - shall mean Ultimate Insurance Solutions Limited (FSA Registration No. 311368), The Connect Centre, Kingston Crescent, Portsmouth, Hampshire PO2 8QL, Home State: United Kingdom, on behalf of certain Underwriters at Lloyds (FSA Registration Number 202761), One Lime Street, London EC3M 7HA, Home State: United Kingdom. Each Underwriter is only liable for their share of the risk and not for each others share. You may ask for the names of the Underwriters and the share of the risk each has taken on. Ultimate Insurance Solutions Limited and the Society of Lloyds are both regulated by the Financial Services Authority and appear in their register.
Table of Benefits
The amount payable in result of bodily injury:
1. Accidental Death £ 10,000
2. Loss of Limb or Limbs £ 10,000
3. Loss of Eye or Eyes £ 10,000
4. Loss of Hearing £ 10,000
5. Loss of Speech £ 10,000
6. Permanent Total £ 10,000 Disablement
Payment of Benefits
a) Only one of Benefits 1 to 6 shall be payable in connection with one Insured Person in respect of any one accident.
b) Any disability which existed prior to an Insured Person sustaining Bodily Injury shall be taken into account when calculating the Benefit payable.
Exclusions
The Underwriters shall not be liable in respect of any claim:
1. Directly or indirectly consequent upon: . War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, insurrection or military or usurped power and any act of terrorism. . The Insured Person committing, or attempting to commit suicide or intentional self-injury. . Childbirth or pregnancy. . Use of a Motorcycle for
- Conveyance of passengers for reward.
- Racing, competitions, rallies, speed testing or any purpose in connection with the motor trade.
- Hire or reward.
- The Insured Persons business or in connection with the Insured Persons employment, other than daily travel between the Insured Persons normal residence and place of work.
- Courier and/or messenger services.
2. Suffered after age 70 years.
Conditions
Interpretation - any word or expression to which specific meaning has been attached shall bear the same meaning wherever it appears.
Interest - no Benefit payable shall carry interest.
Cancellation - You have the right to cancel this policy during a period of 14 days after the day on which you receive your policy documentation. If you wish to do so you will be entitled to a full refund of the premium paid. If you want to cancel your policy after the first 14 days you will be entitled to a refund of your paid premium in proportion to the remaining term of the policy. If you wish to cancel this Policy please contact your Insurance Intermediary at the address provided. If you do not exercise your right to cancel your policy, it will continue in force for the term of the policy and you will be required to pay the premium. Cover for the Participating Customer and their passengers will cease on the same day as the associated Motor Policy if this lapses or is cancelled prior to the expiry date shown on the Certificate of Cover.
Choice of Law - English Law will apply to this Policy unless the Underwriters make a written agreement saying otherwise before it is issued.
Communications - All communication is to be conducted in English.
Financial Services Compensation Scheme - Lloyds is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if they cannot meet their obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 100% of the first £2,000 and 90% of the remainder of the claim. You can get more information about the compensation scheme arrangements from the FSCS.
Making a Claim
If you need to make a claim, in the first instance you should telephone
Ultimate Insurance Solutions on 0870 606 1365 , who will arrange for a Claim form to be sent to you. The completed Claims Form must be returned as soon as possible. NOTE: The claim Form must reach the Insurer within 60 days of the occurrence. You will need to provide the name of your Insurance Intermediary, Your Policy Number and brief details of the accident and your claim.
Client satisfaction
Ultimate Insurance Solutions aim is at all times to provide a first class standard of service. However, there may be occasions when you feel that this objective has not been achieved. Should you have a complaint regarding this contract - please phone our Customer Services: 0870 606 1369 or write to our Quality Manager, Ultimate Insurance Solutions, Connect Centre, Kingston Crescent, Portsmouth, Hampshire PO2 8QL Note: In both cases you will need to quote your Customer reference number. If after taking this action you are still dissatisfied please write to : Paul Hampshire, Director, Ultimate Insurance Solutions, The Connect Centre, Kingston Crescent, Portsmouth, Hampshire PO2 8QL If the matter remains unresolved you can contact: Complaints Department, Lloyds, One Lime Street, London, EC3M 7HA, Email: complaints@lloyds.com, Tel: 0207 327 5693, Fax: 0207 327 5225 If you should remain dissatisfied You may ask the Financial Ombudsman Service to review your case. Any decision is binding on the company, but you may reject it without effecting your legal rights. The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR, Tel - 0845 080 1800, Fax - 0207 964 1001. Please ensure You provide Your policy number on any correspondence.
Statement of Demands and Needs
This product meets the demands and needs of those who wish to ensure that in the event of an accident an insured person will be covered for bodily injury as described in the policy.
Motorcycle Personal Accident Plan is underwritten by ULTIMATE INSURANCE SOLUTIONS on behalf of CERTAIN UNDERWRITERS AT LLOYDS

SECTION 2 Liability to third parties
Liability to Third Parties
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, We will insure You in respect of all sums which You may be required to pay by law arising from death or bodily injury to third parties, or damage to their property as a result of an accident caused by:
- Your Motorcycle.
- any trailer while it is being towed by Your Motorcycle.
- any sidecar attached to Your Motorcycle.
We will also pay any expenses for which You have our written authority to incur. Except in respect of sums which You may be required to pay arising from the death of or bodily injury to third parties the most We will pay under this section of the policy is £20,000,000 per any one event. This limit is inclusive of all costs and expenses up to £5,000,000.

Definitions
Accessories
Additional or supplementary parts of Your Motorcycle 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.
SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the
policy, if Your Motorcycle is stolen, damaged or destroyed, We will, at our option, either:
- pay for Your Motorcycle to be repaired
- or replace Your Motorcycle
- or pay the amount of the loss or damage.
The same cover also applies to Accessories and spare parts relating to Your Motorcycle while these are on Your Motorcycle. The maximum amount We will pay will be the Market Value of Your Motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your Policy Schedule. If to our knowledge, Your Motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to Us.
Exceptions to Section 1 of Your Policy
Your policy does not cover the following:
1 loss of use, wear and tear, depreciation, deterioration.
4 loss of/or damage to Accessories and spare parts by Theft if Your Motorcycle is not stolen at the same time.
8 loss or damage arising from Theft whilst the ignition keys of Your Motorcycle have been left in or on Your Motorcycle.
9 the first amount of any claim specified under Excess details in the schedule.
11 any loss or damage caused by Theft or attempted Theft if the security system fitted to Your Motorcycle at the time of the loss was not activated and working properly. All keys used to activate/deactivate the alarm/immobiliser fitted to Your Motorcycle must be submitted to your insurer with the claim form.
12 Theft, or attempted Theft, that involves somebody lying to get Your Motorcycle.
13 any extra costs caused by the parts or replacements not being available in the United Kingdom.
17 an amount of more than £100 for any one claim for spare parts or accessories fitted.

Definitions Relating to your policy
Accessories
Additional or supplementary parts of Your Motorcycle 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.
SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if Your Motorcycle is stolen, damaged or destroyed, We will, at our option, either:
- pay for Your Motorcycle to be repaired
- or replace Your Motorcycle
- or pay the amount of the loss or damage.
The same cover also applies to Accessories and spare parts relating to Your Motorcycle while these are on Your Motorcycle. The maximum amount We will pay will be the Market Value of Your Motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your Policy Schedule. If to our knowledge, Your Motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to Us.
Exceptions to Section 1 of Your Policy
Your policy does not cover the following:
4 loss of/or damage to Accessories and spare parts by Theft if Your Motorcycle is not stolen at the same time.
17 an amount of more than £100 for any one claim for spare parts or accessories fitted.

Definitions Relating to your policy
Accessories
Additional or supplementary parts of Your Motorcycle 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.
SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if Your Motorcycle is stolen, damaged or destroyed, We will, at our option, either:
- pay for Your Motorcycle to be repaired
- or replace Your Motorcycle
- or pay the amount of the loss or damage.
The same cover also applies to Accessories and spare parts relating to Your Motorcycle while these are on Your Motorcycle. The maximum amount We will pay will be the Market Value of Your Motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your Policy Schedule. If to our knowledge, Your Motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to Us.
Exceptions to Section 1 of Your Policy
Your policy does not cover the following:
4 loss of/or damage to Accessories and spare parts by Theft if Your Motorcycle is not stolen at the same time.
17 an amount of more than £100 for any one claim for spare parts or accessories fitted.

SECTION 5 Continental Use
A Green Card will not be issued as this is not necessary for cross border travel and 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. There is no cover for countries outside the Territorial Limits. If You cannot ride the Motorcycle because of loss or damage covered by this policy, We will also pay the reasonable cost of delivering it to your address in the United Kingdom. We will also pay the amount of customs duty You have to pay as result of the loss or damage.

Varies depending on underwriter.
Policy Summary
Motorcycle Policy significant features, benefits and exclusions
Excess * * Excess requirements are highlighted on the Schedule of Insurance * *

Varies depending on underwriter.
Please note the excess stated above includes young or inexperienced driver excesses for the policyholder only. If there are any named drivers who are under 25 years old or if there are any inexperienced drivers (those who have held a full UK driving licence for less than 12 months), they may be subject to additional excesses. These additional excesses may typically range from £100 to £350 - this amount will be in addition to any standard policy or voluntary or compulsory excess.

Varies depending on underwriter.
Policy Summary
Motorcycle Policy significant features, benefits and exclusions
Excess * * Excess requirements are highlighted on the Schedule of Insurance * *

Varies depending on underwriter.
Please note the excess stated above includes young or inexperienced driver excesses for the policyholder only. If there are any named drivers who are under 25 years old or if there are any inexperienced drivers (those who have held a full UK driving licence for less than 12 months), they may be subject to additional excesses. These additional excesses may typically range from £100 to £350 - this amount will be in addition to any standard policy or voluntary or compulsory excess.

Varies depending on underwriter.
Please note the excess stated above includes young or inexperienced driver excesses for the policyholder only. If there are any named drivers who are under 25 years old or if there are any inexperienced drivers (those who have held a full UK driving licence for less than 12 months), they may be subject to additional excesses. These additional excesses may typically range from £100 to £350 - this amount will be in addition to any standard policy or voluntary or compulsory excess.

Varies depending on underwriter.
SECTION 6 No Claims Discount
No Claims Discount If You or others do not make a claim under this policy we will reduce the premium You pay when You renew it according to our current scale of no claims discount. If a claim is made or arises before the renewal date and your No Claims Discount is not protected or guaranteed your no claims discount entitlement will be reduced at renewal in accordance with the step-back scale printed on your current Policy Schedule. We will not give any proof of your no claims discount unless you have paid all the premiums You owe. We will not reduce your no claims discount if We pay a claim for emergency medical treatment because payment is needed under the Road Traffic Acts.
Protected or Guaranteed No Claims Discount
If a protected or guaranteed no claims discount applies the appropriate endorsement is shown on your current Policy Schedule.

SECTION 9 General Conditions
Cancelling your Policy
If You wish to cancel this policy within 14 days of the start of the policy or 14 days of receipt of the policy documents (if later) You may do so by writing to the Administrator and returning your Certificate of Motor Insurance. Where this happens You will receive a proportionate refund of the premium paid for the unexpired portion of the period of cover less any agreed charges detailed in the terms of business. After 14 days of receipt of your policy documents You may cancel this policy by writing to the Administrator and returning your Certificate of Motor Insurance. Where this happens You will receive a proportionate refund of the premium paid (see scale below) less any agreed charges detailed in the terms of business, provided:
- You have returned the Certificate of Motor Insurance; and
- You have paid the premium in full; and
- a claim has not been made where no recovery occurred during the current Period of Insurance. If this policy is cancelled following a total loss of the insured Motorcycle, and the premium is being paid by instalments, We may deduct the outstanding balance (including interest charges) from the claim payment. If payment is made to the owner of the Motorcycle We will collect separately from You the outstanding monies. The Administrator or We may cancel your policy by giving You 7 days notice by letter to your last known address. You will receive a proportionate refund of the premium paid (see scale below) less any agreed charges detailed in the terms of business, provided:
- You have returned the Certificate of Motor Insurance; and
- You have paid the premium in full; and
- a claim has not been made where no recovery occurred during the current Period of Insurance.
Length of time you you had the cover   Refund of Premium
Up to
1 month       80%
2 months       70%
3 months       60%
4 months       50%
5 months       40%
6 months       30%
7 months       20%
8 months       10%
We will not give You a refund if We provide over 8 months cover.
If You or We cancel this policy and there has been a claim during the current Period of Insurance and the premium is being paid by instalments, the outstanding balance including interest charges will become payable by You. If you miss a premium . If You do not pay a premium on the due date the Administrator reserves the right to declare your policy cancelled as from that due date. In this context due date will include the date upon which a premium instalment was due.
Claims
As soon as reasonably possible after any accident, injury, loss or damage, You or your legal personal representatives must give Us full details of the incident. Any communication You receive about the incident should be sent to Us immediately unanswered. You or your legal personal representatives must also let Us 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 in connection of a fatal accident. You, or anyone else claiming under this policy, must not admit to any claim, promise any payment or refuse any claim without our written consent. If We want to, We 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 our own benefit to recover any payment We have made under this policy. We 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 Us all the information and assistance necessary for Us to achieve a settlement.
- if at the time of any claim arising under this policy there is any other insurance policy covering the same loss, damage or liability, We will only pay our share of the claim, this provision will not place any obligation upon Us to accept any liability under Section 2 which We would otherwise be entitled to exclude under
Exception 1 to Section 2.
- You shall at all times take all reasonable steps to safeguard Your Motorcycle from loss or damage. You shall maintain Your Motorcycle in an efficient roadworthy condition and We shall have, at all times, free access to examine such Motorcycle and trailer.
- under the laws of any country where this policy applies We may have to make payments which are not insured by this policy. You or the person who caused the accident must repay Us any money which We have paid because of the law of the country in which this policy applies which We would not otherwise have paid.
- You or the person who caused the accident must also repay to Us any money We had to pay because of any agreement with the Motor Insurers Bureau.
- our provision of insurance under this policy is conditional upon You observing and fulfilling the terms, provisions, conditions and endorsements of this policy.
- if any claim is in any way fraudulent or if You or anyone acting on your behalf has used any fraudulent means, including inflating or exaggerating the claim or submitting forged or falsified documents, all benefits and premiums under the policy shall be forfeited.
Changes to your details
You must tell the Administrator immediately if there are any material changes during the Period of Insurance which might affect your insurance. These include:
- your job (including details of any part-time occupation);
- your address or the address where you keep Your Motorcycle;
- what you use Your Motorcycle for;
- any modifications to Your Motorcycle.
If you replace Your Motorcycle or get an additional Motorcycle You must tell the Administrator immediately because the only Motorcycle covered by this policy is the one You told Us about and We accepted and is shown in your current Policy Schedule. This is not an exhaustive list and if You are in any doubt, please contact the Administrator. A charge for any change to your policy will be made.
Endorsements
Certain Endorsements apply to this policy which are shown on your current Policy Schedule. These must be read in conjunction with this policy document.
Complaints Procedure
BDML Connect Limited, the Administrator are proud of their reputation for fairness in the way they deal with their policyholders. However, occasionally disputes or misunderstandings can happen. If You have any enquiry or complaint about Us or your policy or a claim made under it, You should first phone Customer Services on the telephone number shown on the back cover of this policy. or write to...
The Quality Manager
BDML Connect Ltd
The Connect Centre
Kingston Crescent
Portsmouth
Hampshire
PO2 8QL
email: complaints@bdml.co.uk
Details of your policy and the policy or claim number along with your name and address will help Us to deal quickly with your enquiry. If the Administrator is unable to resolve the matter or if your complaint is against your Insurer You may write to The Insurer identified in your current Policy Schedule and Certificate of Motor Insurance. If The Insurer is a Lloyds syndicate You can write to:
Lloyds Complaints Department
Lloyds
One Lime Street
London
EC3M 7HA
Email: complaints@lloyds.com
Tel: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225
If the Administrator or The Insurer have given You a final response and You remain dissatisfied You may refer your case to the Financial Ombudsman Service (FOS).
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Tel: 0845 0801800
Please note that You have six months from the date of the final response in which to refer your complaint to the FOS. Referral to FOS will not affect your right to take legal action against the Administrator or The Insurer.
Financial Services Compensation Scheme
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit.
For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

SECTION 1 Loss or damage
Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if Your Motorcycle is stolen, damaged or destroyed, We will, at our option, either:
- pay for Your Motorcycle to be repaired
- or replace Your Motorcycle
- or pay the amount of the loss or damage.
The same cover also applies to Accessories and spare parts relating to Your Motorcycle while these are on Your Motorcycle. The maximum amount We will pay will be the Market Value of Your Motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your Policy Schedule. If to our knowledge, Your Motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to Us.
Accident Recovery
If Your Motorcycle is disabled through loss or damage insured under this policy We will pay:
- the reasonable cost of protection and removal to the nearest repairers.
- the reasonable cost of delivery to You after repair but not exceeding the reasonable cost of transporting Your Motorcycle to Your address in Great Britain.
New Motorcycle Replacement
We will replace Your Motorcycle with a new Motorcycle of the same make and specification (subject to availability) if, within 6 months of purchase new by You:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT) at the time of purchase:
- or Your Motorcycle is stolen and not recovered. Replacement is subject to: Your Motorcycle being owned by You or having been purchased under a hire purchase or credit sale agreements (any Motorcycle the subject of any type of leasing or contract hire agreement is not eligible for replacement).
- the agreement of any interested hire purchase company.
- You being the first registered owner of Your Motorcycle.
Exceptions to Section 1 of Your Policy
Your policy does not cover the following:
1 loss of use, wear and tear, depreciation, deterioration.
2 mechanical, electrical, electronic, computer failures or breakdowns or breakages.
3 damage to tyres caused by braking or by punctures, cuts or bursts.
4 loss of/or damage to Accessories and spare parts by Theft if Your Motorcycle is not stolen at the same time.
5 loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
6 loss of or damage to helmets and protective clothing.
7 loss of value following repair.
8 loss or damage arising from Theft whilst the ignition keys of Your Motorcycle have been left in or on Your Motorcycle.
9 the first amount of any claim specified under Excess details in the schedule.
10 loss of or damage to Your Motorcycle as a result of legal repossession.
11 any loss or damage caused by Theft or attempted Theft if the security system fitted to Your Motorcycle at the time of the loss was not activated and working properly. All keys used to activate/deactivate the alarm/immobiliser fitted to Your Motorcycle must be submitted to your insurer with the claim form.
12 Theft, or attempted Theft, that involves somebody lying to get Your Motorcycle.
13 any extra costs caused by the parts or replacements not being available in the United Kingdom.
14 confiscation or requisition or destruction by or under order of any Government or Public or Local Authority.
15 loss of or damage to Your Motorcycle deliberately caused by You or anyone riding with your permission.
16 loss of or damage to Your Motorcycle caused by an inappropriate type or grade of fuel being used.
17 an amount of more than £100 for any one claim for spare parts or accessories fitted.
SECTION 2 Liability to third parties
Liability to Third Parties
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, We will insure You in respect of all sums which You may be required to pay by law arising from death or bodily injury to third parties, or damage to their property as a result of an accident caused by:
- Your Motorcycle.
- any trailer while it is being towed by Your Motorcycle.
- any sidecar attached to Your Motorcycle.
We will also pay any expenses for which You have our written authority to incur. Except in respect of sums which You may be required to pay arising from the death of or bodily injury to third parties the most We will pay under this section of the policy is £20,000,000 per any one event. This limit is inclusive of all costs and expenses up to £5,000,000.
Liability of other Persons Riding Your Motorcycle
We will also insure the following persons under this section in respect of all sums which they may be required to pay by law arising from death or bodily injury to third parties or damage to their property as a result of an accident caused by Your Motorcycle or any trailer while it is being towed by Your Motorcycle:
- any person You give permission to ride Your Motorcycle provided that Your effective Certificate of Motor Insurance allows that person to ride.
- any passenger on Your Motorcycle, travelling or getting into or out of your sidecar.
We will also pay any expenses for which You have our written authority to incur. Except in respect of sums which You may be required to pay arising from the death of or bodily injury to third parties the most We will pay under this section of the policy is £20,000,000 per any one event. This limit is inclusive of all costs and expenses up to £5,000,000.
Indemnity to Legal Personal Representatives
In the event of the death of anyone insured under this section, We will indemnify his/her legal personal representatives against any liability of the deceased person to the extent that liability is insured under this section.
Legal Costs
We will pay for:
- solicitors appointed by Us if anyone We insure under this section is represented at a coroner's inquest or fatal accident inquiry or is defending any proceedings in a court of summary jurisdiction.
- legal services arranged by Us up to an amount not exceeding £1000 to defend anyone We insure 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 occurrence the rider is 21 years of age or more. We will only pay these legal costs if they relate to an incident which is covered under this section.
Exceptions to Section 2
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. The cover will also not apply if they can claim under another policy.
2 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.
3 to loss of or damage to property belonging to or in the care of anyone We insure who claims under this section, and to property being conveyed by Your Motorcycle.
4 in respect of damage to any Motorcycle where cover in connection with the riding of the Motorcycle is provided by this section.
5 while the Motorcycle is in or on that part of an aerodrome, airport, airfield or military base provided for the take off or landing of aircraft and for moving aircraft on the surface; or aircraft parking aprons including the associated service roads, refuelling areas and ground equipment parking areas.
6 to death or bodily injury to any person or damage to property caused by pollution or contamination unless the pollution or contamination is directly caused by a sudden identifiable, unintended and unexpected incident during the Period of Insurance. We will treat all pollution and contamination arising from one incident as having happened at the time of the incident. This exception does not apply when any compulsory motor insurance legislation operating within this policy's territorial limits must be met.
7 for fines, penalties, punitive exemplary or aggravated damages of any kind or any additional damages resulting from the multiplication of compensatory damages.
8 to any amount over £20,000,000 for any one claim or series of claims arising from one event that causes loss or damage to property. This limit is inclusive of all costs and expenses up to £5,000,000. These limits do not apply to claims occurring in other countries where the Territorial Limits and Green Card section is operative if the maximum liability required by law in that country is greater.
SECTION 3 Payments
Payments made under Compulsory Insurance Regulations and Rights of Recovery
If the law of any country in which this policy operates requires Us to settle a claim which, if this law had not existed, We would not be obliged to pay, We reserve the right to recover such payments from You or from the person who incurred the liability.
SECTION 4 Emergency Treatment
Emergency Treatment
We will reimburse any person using any Motorcycle which is covered under this policy for payments made under the Road Traffic Acts for emergency treatment. A payment under this section will not prejudice your No Claims Discount.
SECTION 5 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 the 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/CEE relating to civil liabilities arising from the use of a motor vehicle.
Cover under this section includes
- Transit by sea, air or rail in or between countries within the Territorial Limits provided it is by a recognised route which takes 65 hours or less under normal conditions or via the Channel Tunnel fixed link.
- 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 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.
- Subject to Your Motorcycle normally being kept in Great Britain this policy provides the cover shown in the Policy Schedule in any country in the Territorial Limits subject to You not exceeding 45 days in any one Period of Insurance. A Green Card will not be issued as this is not necessary for cross border travel and 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. There is no cover for countries outside the Territorial Limits. If You cannot ride the Motorcycle because of loss or damage covered by this policy, We will also pay the reasonable cost of delivering it to your address in the United Kingdom. We will also pay the amount of customs duty You have to pay as result of the loss or damage.
SECTION 6 No Claims Discount
No Claims Discount
If You or others do not make a claim under this policy we will reduce the premium You pay when You renew it according to our current scale of no claims discount. If a claim is made or arises before the renewal date and your No Claims Discount is not protected or guaranteed your no claims discount entitlement will be reduced at renewal in accordance with the step-back scale printed on your current Policy Schedule. We will not give any proof of your no claims discount unless you have paid all the premiums You owe. We will not reduce your no claims discount if We pay a claim for emergency medical treatment because payment is needed under the Road Traffic Acts.
Protected or Guaranteed No Claims Discount
If a protected or guaranteed no claims discount applies the appropriate endorsement is shown on your current Policy Schedule.
SECTION 7 Making a Claim
If You need to make a claim, phone the Customer Claim Line telephone number shown on the back cover of this policy.
Four important points to help you after an accident:
- make a note of the registration number of any vehicles involved, and any witnesses;
- do not admit responsibility;
- ask for the names, addresses and telephone numbers of all people involved and details of any property damaged;
- if anyone other than You is injured in the accident, You must show your Certificate of Motor Insurance to the police. If You cannot do this at the time of the accident, take it to the police as soon as possible or within 24 hours.