Motorcycle Direct Motorcycle Insurance

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/CEE relating to civil liabilities arising from the use of a motor vehicle.
In addition to this minimum cover the policy provides the cover shown in the 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; and
- your visits to countries outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man being of a temporary nature not exceeding one month in any one trip.
Section III -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 between any countries within the territorial limits provided that your motorcycle is covered for loss or damage under this policy.
If You Take Your Motorcycle Abroad All countries within the territorial limits 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. There is no cover for countries outside the territorial limits. We may however be prepared to extend cover to certain of these countries on request in which case we will provide you with a Green Card and an additional premium will be charged.

Section VIII - Motor Breakdown and Accident Assistance
This section is underwritten by DAS Legal Expenses Insurance Company Limited and is not transferable.
Definitions (Applicable to this Section Only)
1. We, Us, Our
DAS Legal Expense Insurance Company Limited.
2. You, Your
The person who has taken out this policy.
3. Insured Person
You, and any passenger or driver who is in or on the insured vehicle with your permission at the time of the breakdown. Anyone claiming under this section must have your agreement to claim.
4. Period of insurance
The period for which we have agreed to cover you and for which you have paid the premium.
5. Vehicle
The vehicle declared to us.
6. Territorial Limit
The United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.
7. Breakdown
1. Mechanical or electrical failure; or
2. Accidental damage, or damage caused by vandalism, fire, theft or attempted theft, which stops your vechile working.
Services Provided
Having paid the appropriate premium, you are entitled to use the DAS MOTOR Breakdown and Accident Assistance Service 24 hours a day, 7 days a week during the period of insurance following the breakdown of your vehicle within the territorial limit. If the service you require is not provided for under these terms, we will try if you wish to arrange it at your expense. The terms of any such service are a matter for you and your supplier. At all times we decide on the best way of providing help.
1. Emergency roadside repairs
We will pay the call out charge and up to one hours labour cost for one of our approved repairers to attend the scene of a breakdown and where possible carry out emergency repairs. The breakdown must occur at least one mile from your home address.
2. Vehicle recovery
If your vehicle cannot be repaired at the scene of the breakdown within one hour we will pay for the cost of transporting your vehicle and insured persons to a single destination being either;
a. one of our approved repairers; or
b. if the insured person wishes, their home address, provided it is nearer.
3. Getting You to Your destination If your vehicle cannot be repaired within the same day as the breakdown, we will pay:
a. the cost of transporting your vehicle and/or insured person to a destination within the territorial limits
b. an insured persons overnight hotel accommodation costs of up to £50 per insured person provided that the most we will pay for claims arising from any one breakdown is £250.
Exceptions
1. The breakdown of your vehicle:
- within the first 48 hours from the date of your application if cover commences at any time other than at inception or renewal of the insurance policy to which this cover is attached; or
- if it has knowingly been driven in an unsafe or unroadworthy condition;
or
- which has resulted from a lack of oil,fuel or water; or
- which occurs whilst your vehicle is being used for motor racing, trials or rallying.
2. The cost of:
- spare or replacement parts, fluids or fuel or any other materials used in repairing your vehicle; or- any other repairs carried out other than those carried out at the scene of the breakdown; or
- replacing a wheel if your vehicle does not have a serviceable spare wheel; or
- replacing broken windows or keys or finding missing keys; or
- ferry crossings, parking charges, fines or toll charges.
3. Any charges arising from an insured persons failure to comply with our instructions or our approved repairers instructions in respect of the assistance being provided.
4. Any cost incurred before you have notified us of the breakdown.
5. The recovery of a trailer or a caravan on tow unless it is less than 7.6 metres (25 feet) in length.
6. Any vehicle which cannot be recovered by a standard trailer or transporter.
7. Any claim or breakdown caused by, contributed to by or arising from:
- ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
- the radioactive, toxic, explosive or hazardous properties of any nuclear assembly or nuclear part of it; or
- war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, military force or coup; or pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.
Conditions Applicable to this Section
1. The vehicle shall at all times during the period of cover be maintained in a roadworthy condition and regularly serviced.
2. We can cancel this section at any time and we will always do so after we have dealt with your sixth claim in the period of insurance. You can cancel this section at any time. If this section is cancelled because you have made 6 claims in the period of insurance, we will not refund any premium you have paid.
3. An insured person must be present with the vehicle when the approved repairer arrives.
4. We will make every effort to provide the service at all times, but we will not be responsible for any liability arising from breakdown of the service.
5. We will not be responsible for any consequential loss in connection with a breakdown however it is caused.
6. The transportation of any animal or livestock is undertaken solely at our discretion and we accept no liability for the safety or welfare of any animal or livestock during its transportation.
7. An insured person must keep to the terms and conditions of this policy.
8. We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this section did not exist.
How We Can Help
We are here to help you 24 hours a day, 365 days a year. In the event of a breakdown, call our Motor Breakdown Recovery helpline on 0800 917 0817 and provide the following information:
- Policy holders name.
- Registration number of your vehicle.
- The make model and colour of your vehicle.
- Nature of the breakdown and location of your vehicle.A breakdown assistance operator will arrange for one of our approved repairers to come to your assistance as quickly as possible. It is important that you contact our breakdown operation centre as soon as possible after the breakdown. we will not cover any call out charges and/or labour costs unless we have given our agreement. All telephone calls to us are monitored and recorded as part of our training and quality assurance programmes.
Emergency Message service
The operator will also forward a message to a member of your family, friend or colleague if you would like them to do so
Breakdown Entitlement
During the period of insurance you have the right to call us out to provide breakdown and accident assistance up to six times. After your sixth call, this section becomes void.
When We Cannot Help
Our approved repairers cannot work on your vehicle if it is unattended.
Storage Charges
You will be responsible for any vehicle storage charges incurred when you are using our services.
Law Applicable to Contract
The Motor Breakdown and Accident Assistance Section of the Policy is Governed by English Law.

Section VIII - Motor Breakdown and Accident Assistance
This section is underwritten by DAS Legal Expenses Insurance Company Limited and is not transferable.
Definitions (Applicable to this Section Only)
1. We, Us, Our
DAS Legal Expense Insurance Company Limited.
2. You, Your
The person who has taken out this policy.
3. Insured Person
You, and any passenger or driver who is in or on the insured vehicle with your permission at the time of the breakdown. Anyone claiming under this section must have your agreement to claim.
4. Period of insurance
The period for which we have agreed to cover you and for which you have paid the premium.
5. Vehicle
The vehicle declared to us.
6. Territorial Limit
The United Kingdom of Great Britain and Northern Ireland, the Isle of Man and the Channel Islands.
7. Breakdown
1. Mechanical or electrical failure; or
2. Accidental damage, or damage caused by vandalism, fire, theft or attempted theft, which stops your vechile working.
Services Provided
Having paid the appropriate premium, you are entitled to use the DAS MOTOR Breakdown and Accident Assistance Service 24 hours a day, 7 days a week during the period of insurance following the breakdown of your vehicle within the territorial limit. If the service you require is not provided for under these terms, we will try if you wish to arrange it at your expense. The terms of any such service are a matter for you and your supplier. At all times we decide on the best way of providing help.
1. Emergency roadside repairs
We will pay the call out charge and up to one hours labour cost for one of our approved repairers to attend the scene of a breakdown and where possible carry out emergency repairs. The breakdown must occur at least one mile from your home address.
2. Vehicle recovery
If your vehicle cannot be repaired at the scene of the breakdown within one hour we will pay for the cost of transporting your vehicle and insured persons to a single destination being either;
a. one of our approved repairers; or
b. if the insured person wishes, their home address, provided it is nearer.
3. Getting You to Your destination If your vehicle cannot be repaired within the same day as the breakdown, we will pay:
a. the cost of transporting your vehicle and/or insured person to a destination within the territorial limits
b. an insured persons overnight hotel accommodation costs of up to £50 per insured person provided that the most we will pay for claims arising from any one breakdown is £250.
Exceptions
1. The breakdown of your vehicle:
- within the first 48 hours from the date of your application if cover commences at any time other than at inception or renewal of the insurance policy to which this cover is attached; or
- if it has knowingly been driven in an unsafe or unroadworthy condition;
or
- which has resulted from a lack of oil,fuel or water; or
- which occurs whilst your vehicle is being used for motor racing, trials or rallying.
2. The cost of:
- spare or replacement parts, fluids or fuel or any other materials used in repairing your vehicle; or- any other repairs carried out other than those carried out at the scene of the breakdown; or
- replacing a wheel if your vehicle does not have a serviceable spare wheel; or
- replacing broken windows or keys or finding missing keys; or
- ferry crossings, parking charges, fines or toll charges.
3. Any charges arising from an insured persons failure to comply with our instructions or our approved repairers instructions in respect of the assistance being provided.
4. Any cost incurred before you have notified us of the breakdown.
5. The recovery of a trailer or a caravan on tow unless it is less than 7.6 metres (25 feet) in length.
6. Any vehicle which cannot be recovered by a standard trailer or transporter.
7. Any claim or breakdown caused by, contributed to by or arising from:
- ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
- the radioactive, toxic, explosive or hazardous properties of any nuclear assembly or nuclear part of it; or
- war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, rebellion, revolution, military force or coup; or pressure waves caused by aircraft or any other airborne devices travelling at sonic or supersonic speeds.
Conditions Applicable to this Section
1. The vehicle shall at all times during the period of cover be maintained in a roadworthy condition and regularly serviced.
2. We can cancel this section at any time and we will always do so after we have dealt with your sixth claim in the period of insurance. You can cancel this section at any time. If this section is cancelled because you have made 6 claims in the period of insurance, we will not refund any premium you have paid.
3. An insured person must be present with the vehicle when the approved repairer arrives.
4. We will make every effort to provide the service at all times, but we will not be responsible for any liability arising from breakdown of the service.
5. We will not be responsible for any consequential loss in connection with a breakdown however it is caused.
6. The transportation of any animal or livestock is undertaken solely at our discretion and we accept no liability for the safety or welfare of any animal or livestock during its transportation.
7. An insured person must keep to the terms and conditions of this policy.
8. We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this section did not exist.
How We Can Help
We are here to help you 24 hours a day, 365 days a year. In the event of a breakdown, call our Motor Breakdown Recovery helpline on 0800 917 0817 and provide the following information:
- Policy holders name.
- Registration number of your vehicle.
- The make model and colour of your vehicle.
- Nature of the breakdown and location of your vehicle.A breakdown assistance operator will arrange for one of our approved repairers to come to your assistance as quickly as possible. It is important that you contact our breakdown operation centre as soon as possible after the breakdown. we will not cover any call out charges and/or labour costs unless we have given our agreement. All telephone calls to us are monitored and recorded as part of our training and quality assurance programmes.
Emergency Message service
The operator will also forward a message to a member of your family, friend or colleague if you would like them to do so
Breakdown Entitlement
During the period of insurance you have the right to call us out to provide breakdown and accident assistance up to six times. After your sixth call, this section becomes void.
When We Cannot Help
Our approved repairers cannot work on your vehicle if it is unattended.
Storage Charges
You will be responsible for any vehicle storage charges incurred when you are using our services.
Law Applicable to Contract
The Motor Breakdown and Accident Assistance Section of the Policy is Governed by English Law.

Section I
Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts while thereon. We may at our own option repair reinstate or replace such motorcycle or any part thereof or its accessories or spare parts or may pay in cash the amount of the loss or damage. If to our knowledge the motorcycle is the subject of a hire purchase or leasing agreement such payment shall be made to the owner described therein whose receipt shall be a full and final discharge to us in respect of such loss or damage. The maximum amount payable by us in respect of any claim for loss or damage shall be the market value of such motorcycle or the cost of repair whichever is less, immediately prior to such loss or damage but not exceeding your estimate of value shown in our records. If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers. We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands stated herein.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 agreement (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 I
We shall not be liable to pay for
a. Loss of use, consequential loss, depreciation, wear and tear, mechanical, electrical or electronic faults, breakdowns or malfunctions or breakages.
b. Damage to tyres by application of brakes or by punctures cuts or bursts.
c. Loss or damage to accessories and spare parts by theft if the motorcycle is not stolen at the same time.d. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
e. The first amount of any sum otherwise payable in respect of each and every occurrence of loss or damage to any motorcycle described in the schedule in accordance with the following:
Motorcycle Group Rating    Amount
1 to 4      £100
5 to 13      £150
14 to 16      £250
17+      £500
For details of the group rating of your motorcycle please refer to your policy schedule.
f. Loss of or damage to helmets and protective clothing and other personal belongings.
g. Loss of value following or because of repair.
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle.
i. Loss of your motorcycle by deception of someone who claims to be a buyer or agent.

Motorcycle Policy
Definitions (Applicable to sections I to VI only)
Your Motorcycle
1. Any motorcycle described in the schedule and
2. Any other motorcycle in respect of which:
i. details have been supplied to us and
ii. a certificate of motor insurance bearing the registration mark of that motorcycle has been delivered to you remains effective and
iii. You have paid the premium.
The vehicle(s) described in this schedule at inception shall be deemed to be deleted when the certificate(s) of motor insurance relating thereto cease to be effective.

Up to 3 Motorcycles

Section I - Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts while thereon. We may at our own option repair reinstate or replace such motorcycle or any part thereof or its accessories or spare parts or may pay in cash the amount of the loss or damage. If to our knowledge the motorcycle is the subject of a hire purchase or leasing agreement such payment shall be made to the owner described therein whose receipt shall be a full and final discharge to us in respect of such loss or damage. The maximum amount payable by us in respect of any claim for loss or damage shall be the market value of such motorcycle or the cost of repair whichever is less, immediately prior to such loss or damage but not exceeding your estimate of value shown in our records.

Section I - Loss of or Damage to Your Motorcycle
If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers. We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands stated herein.

Section I - Loss of or Damage to Your Motorcycle
If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers. We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands stated herein.

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 agreement (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.

Terms of Business
Commission
Additionally, if we undertake processing work in making a mid-term change or cancelling the policy we may make an administration commission charge to cover the work involved in changing your policy on behalf of your insurer. This commission charge will be up to twenty five pounds (plus Insurance Premium Tax) for all mid-term changes. These amounts are in addition to any charge imposed by your insurer.

Terms of Business
Cancellation of your Policy
We, the insurer or any agent appointed by us and acting with our specific authority may cancel this policy by sending you a 7 day notice of cancellation to your last known address (and in the case if Northern Ireland to the DVLNI). Provided that no claim has occured during the current period of insurance we will calculate the premium for the period that we have been insuring you and refund any balance. If your policy contains any additional covers (see below) then these and our commission will be excluded from any refund calculations.

Terms of Business
Commission
Certain transactions attract charges for our services. Where applicable these are new business brokerage up to twenty five pounds, copy policy or duplicate documentation fifteen pounds, policy adjustments / alterations up to twenty five pounds, renewal transactions fifteen pounds.

Claims line: 0870 167 2323
Opening hours : 8:30 - 6:00 Mon-Fri, 9:00 - 2:00 Sat
Claims email: claims@motorcycledirect.co.uk <mailto:claims@motorcycledirect.co.uk>

Section II -Liability to Third Parties Indemnity to You
a. We will indemnify you in the event of an accident caused by or through or in connection with any motorcycle described in the schedule against liability at law for damages and claimant's cost and expenses in respect of death of or bodily injury to any person, or any amount not exceeding £20,000,000 in respect of damage to any person's property. We will pay all costs and expenses incurred with our written consent. Legal Expenses
In respect of any act causing or relating to any event which may be the subject of indemnity under this section we will arrange and pay for the following:
a. Solicitors services in respect of:
i. representation at any coroners inquest or fatal inquiry; and
ii. defending any proceedings in any Court of Summary Jurisdiction.
b. Legal services up to any amount not exceeding £1,000 in respect of any one occurrence for defence 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 driver has attained the age of 21 years.
We will only cover these legal costs if they relate to an incident, which is covered under this section.

Eurolaw Personal Legal and Tax Advice Service we will give an insured person confidential legal advice over the phone on any personal legal problem under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway, or UK personal tax problem

Section I
Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts while thereon. We may at our own option repair reinstate or replace such motorcycle or any part thereof or its accessories or spare parts or may pay in cash the amount of the loss or damage. If to our knowledge the motorcycle is the subject of a hire purchase or leasing agreement such payment shall be made to the owner described therein whose receipt shall be a full and final discharge to us in respect of such loss or damage. The maximum amount payable by us in respect of any claim for loss or damage shall be the market value of such motorcycle or the cost of repair whichever is less, immediately prior to such loss or damage but not exceeding your estimate of value shown in our records. If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers. We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands stated herein.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 agreement (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 I
We shall not be liable to pay for
a. Loss of use, consequential loss, depreciation, wear and tear, mechanical, electrical or electronic faults, breakdowns or malfunctions or breakages.
b. Damage to tyres by application of brakes or by punctures cuts or bursts.
c. Loss or damage to accessories and spare parts by theft if the motorcycle is not stolen at the same time.d. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
e. The first amount of any sum otherwise payable in respect of each and every occurrence of loss or damage to any motorcycle described in the schedule in accordance with the following:
Motorcycle Group Rating    Amount
1 to 4      £100
5 to 13      £150
14 to 16      £250
17+      £500
For details of the group rating of your motorcycle please refer to your policy schedule.
f. Loss of or damage to helmets and protective clothing and other personal belongings.
g. Loss of value following or because of repair.
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle.
i. Loss of your motorcycle by deception of someone who claims to be a buyer or agent.

Section II -Liability to Third Parties Indemnity to You
a. We will indemnify you in the event of an accident caused by or through or in connection with any motorcycle described in the schedule against liability at law for damages and claimant's cost and expenses in respect of death of or bodily injury to any person, or any amount not exceeding £20,000,000 in respect of damage to any person's property. We will pay all costs and expenses incurred with our written consent.

Section I - Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts while thereon. We may at our own option repair reinstate or replace such motorcycle or any part thereof or its accessories or spare parts or may pay in cash the amount of the loss or damage.
Exceptions to Section I
We shall not be liable to pay for
c. Loss or damage to accessories and spare parts by theft if the motorcycle is not stolen at the same time
e. The first amount of any sum otherwise payable in respect of each and every occurrence of loss or damage to any motorcycle described in the schedule in accordance with the following:
Motorcycle Group Rating   Amount
1 to 4     £100
5 to 13      £150
14 to 16     £250
17+     £500
For details of the group rating of your motorcycle please refer to your policy schedule.
f. Loss of or damage to helmets and protective clothing and other personal belongings.
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle.
i. Loss of your motorcycle by deception of someone who claims to be a buyer or agent.

Section I - Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts while thereon. We may at our own option repair reinstate or replace such motorcycle or any part thereof or its accessories or spare parts or may pay in cash the amount of the loss or damage.
Exceptions to Section I
We shall not be liable to pay for
c. Loss or damage to accessories and spare parts by theft if the motorcycle is not stolen at the same time
e. The first amount of any sum otherwise payable in respect of each and every occurrence of loss or damage to any motorcycle described in the schedule in accordance with the following:
Motorcycle Group Rating   Amount
1 to 4     £100
5 to 13      £150
14 to 16     £250
17+     £500
For details of the group rating of your motorcycle please refer to your policy schedule.
f. Loss of or damage to helmets and protective clothing and other personal belongings.
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle.
i. Loss of your motorcycle by deception of someone who claims to be a buyer or agent.

If You Take Your Motorcycle Abroad
All countries within the territorial limits 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. There is no cover for countries outside the territorial limits. We may however be prepared to extend cover to certain of these countries on request in which case we will provide you with a Green Card and an additional premium will be charged.

Section VIII - Motor Breakdown and Accident Assistance
This section is underwritten by DAS Legal Expenses Insurance Company Limited and is not transferable.
b. an insured persons overnight hotel accommodation costs of up to £50 per insured person provided that the most we will pay for claims arising from any one breakdown is £250.

General Conditions (covering all sections)
Your Duty to Prevent Loss or Damage
You shall take all reasonable steps to safeguard from loss or damage any motorcycle described in the schedule and to ensure that any such motorcycle is in a roadworthy condition. We shall have at all times free access to examine your motorcycle or any motorcycle hired to you under a hire purchase agreement.
Arbitration
Where we have accepted a claim and there is disagreement over the amount to be paid the dispute must be referred to an arbitrator to be agreed between you and us in accordance with the law at the time. When this happens a decision must be made before you can take any legal action against us.
Your Duty to Comply with Policy Conditions
Without prejudice to our rights your observance and fulfilment of the terms provisions and conditions of this policy and of any endorsement thereon in so far as they relate to anything to be done or complied with by you shall be conditions precedent to our liability to make any payment under this policy.
Cooling-Off Period
You will, for a period of 14 days from the date you receive your policy documentation or the date you enter into the contract (whichever is later), have a right to cancel this policy and receive a refund (unless you have made a total-loss claim). This refund will be subject to a charge for the period of cover you have received, plus our reasonable administration charges. If cover has not commenced, you will be entitled to a full refund of the premium that you have paid.In order to cancel your policy within this period you must write to us confirming your intentions and, for vehicle insurance, enclosing your certificate of motor insurance.
Cancellation
1. In addition to your rights under the Cooling Off Period, you also have the right to cancel your policy at any time during the period of cover. If you wish to cancel your policy, you must send us your current certificate of motor insurance with a letter saying that you want to cancel your policy. It is important to remember that cancelling your direct debit does not cancel your policy. If you are paying your annual premium by direct debit then, on cancellation, any money in hand will first be used to clear the insurers charge. Should the amount be insufficient we will invoice you for the outstanding balance. Any excess money will be returned to you by cheque. We, the insurer or any agent appointed by us and acting with our specific authority may cancel this policy by sending you a 7 day notice of cancellation to your last known address (and in the case of Northern Ireland to the DVLNI). Provided that no claim has occurred during the current period of insurance we will calculate the premium for the period that we have been insuring you and refund any balance, plus our reasonable administration charges. If your policy contains any additional covers, for example, legal expenses cover then these and our commission will be excluded from any refund calculations.Please be aware that some insurers charge cancelled policies on short term rates instead of on a pro-rata basis, especially in the first year that you have been insured with them, resulting in a disproportionately greater charge for the period of insurance and refunds being much lower than clients expectations. No refund will be allowed if a claim has been made or has arisen under this insurance prior to such cancellation during the current period of insurance. You are always advised to discuss with us the likely net refund before deciding upon cancellation.
2. If you are paying the premium in relation to this insurance in monthly instalments by direct debit mandate, under the terms of a Credit Agreement this Insurance Contract automatically terminates if you fail to pay an instalment when due, or fail to pay an instalment when due, or fail to maintain the direct debit mandate and such default is not corrected in the period specified in the default notice served pursuant to Section 88 (1) of the Consumer Credit Act 1987 (the notice period), and you fail to pay the whole of the outstanding balance then becoming due and payable within 7 days of the expiry of the notice. It is a further condition of this policy that if you make a claim then any balance of the premium outstanding for the remainder of the period of insurance becomes due and payable in full.
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 upon the type of business and the circumstances of the claim. For claims against insurers, the first £2,000 of an insurance claim is covered in full, plus 90% of the balance. For compulsory classes of insurance, insurance arranging is covered for 100% of the claim, without any upper limit. Further information about the compensation scheme arrangements is available from the FSCS by telephoning 020 7892 7300 or www.fscs.org.uk.
Other Insurance
If at the time any claim arises under this policy there is any other existing insurance covering the same loss, damage or liability in respect of your motorcycle or any motorcycle hired to you under a hire purchase agreement we shall not be liable to pay or to contribute more than our rateable proportion of any loss damage compensation costs or expense. This provision will not place any obligation upon us to accept any liability under Section II which we would otherwise be entitled to exclude under Exception I to Section II.
Fraud
If any claim is in any respect fraudulent or if any fraudulent means including inflation or exaggeration of the claim or submission or forged or falsified documents are used to obtain benefit by you or anyone acting on your behalf all benefits under the policy shall be forfeited. We exchange information with other insurers through various databases in order to consider offering insurance, and on what terms and to prevent fraudulent claims.

Loss of or Damage to Your Motorcycle
We will indemnify you against loss of or damage to any motorcycle described in the schedule and its accessories and spare parts while thereon. We may at our own option repair reinstate or replace such motorcycle or any part thereof or its accessories or spare parts or may pay in cash the amount of the loss or damage. If to our knowledge the motorcycle is the subject of a hire purchase or leasing agreement such payment shall be made to the owner described therein whose receipt shall be a full and final discharge to us in respect of such loss or damage. The maximum amount payable by us in respect of any claim for loss or damage shall be the market value of such motorcycle or the cost of repair whichever is less, immediately prior to such loss or damage but not exceeding your estimate of value shown in our records. If such motorcycle is disabled by reason of loss or damage insured under this policy we will bear the reasonable cost of protection and removal to the nearest repairers. We will also pay the reasonable cost of delivery to you after repair of such loss or damage not exceeding the reasonable cost of transport to your address in Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man or the Channel Islands stated herein.
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 agreement (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 I
We shall not be liable to pay for
a. Loss of use, consequential loss, depreciation, wear and tear, mechanical, electrical or electronic faults, breakdowns or malfunctions or breakages.
b. Damage to tyres by application of brakes or by punctures cuts or bursts.
c. Loss or damage to accessories and spare parts by theft if the motorcycle is not stolen at the same time.
d. Loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
e. The first amount of any sum otherwise payable in respect of each and every occurrence of loss or damage to any motorcycle described in the schedule in accordance with the following:
Motorcycle Group Rating   Amount
1 to 4     £100
5 to 13      £150
14 to 16     £250
17+     £500
For details of the group rating of your motorcycle please refer to your policy schedule.
f. Loss of or damage to helmets and protective clothing and other personal belongings.
g. Loss of value following or because of repair.
h. Loss or damage by theft whilst the ignition keys for your motorcycle have been left in or on the motorcycle.
i. Loss of your motorcycle by deception of someone who claims to be a buyer or agent.
Section II -
Liability to Third Parties Indemnity to You
a. We will indemnify you in the event of an accident caused by or through or in connection with any motorcycle described in the schedule against liability at law for damages and claimants cost and expenses in respect of death of or bodily injury to any person, or any amount not exceeding £20,000,000 in respect of damage to any persons property. We will pay all costs and expenses incurred with our written consent.
b. If the effective certificate of motor insurance permits you to ride a motorcycle not belonging to you and not hired to you under a hire purchase agreement, we will indemnify you, subject to the limitations of and for the purposes of this section whilst riding such motorcycle as though it were a motorcycle described in the schedule and ridden by you in Great Britain, Northern Ireland, the Republic of Ireland, the Channel Islands and the Isle of Man.
Indemnity to Other Persons (Including Passengers).
a. If the effective certificate of motor insurance permits the riding of a motorcycle described in the schedule by
a person other than you we will indemnify such person in the terms of Sub-Section I above.
b. We will in terms of Sub-Section II above indemnify at your request any passenger (other than the person riding) provided that such person:
i. is not entitled to indemnity under any other policy; and
ii. shall as though such person were the insured observe, fulfil and be subject to the terms, exceptions and conditions of this policy in so far as they can apply.
Indemnity to Legal Personal Representatives
We will indemnify the legal personal representatives in the event of the death of any person entitled to indemnity under this section in respect of any liability incurred by such person subject to the terms and limitations which applied to such person if that person is insured under this section.
Legal Expenses
In respect of any act causing or relating to any event which may be the subject of indemnity under this section we will arrange and pay for the following:
a. Solicitors services in respect of:
i. representation at any coroners inquest or fatal inquiry; and
ii. defending any proceedings in any Court of Summary Jurisdiction.
b. Legal services up to any amount not exceeding £1,000 in respect of any one occurrence for defence 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 driver has attained the age of 21 years. We will only cover these legal costs if they relate to an incident, which is covered under this section.
Exceptions to Section II -
We shall not be liable in respect of
a. death of or bodily injury to any person arising out of and in the course of such persons employment by the person claiming to be indemnified under this section other than liability to such person:
i. carried in or upon; or
ii. entering or getting on to or alighting from any vehicle hereby insured and only in so far as is necessary to meet the requirements of the Road Traffic Acts.
b. Damage to property belonging to or held in trust by or in the custody or control of anyone we insure who claims under this section, and to property being conveyed by such motorcycle.
c. Any person insured under this section who 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.
d. Damage to any motorcycle where cover in connection with the use or riding of that motorcycle is provided by this section.
Section III
Payments Made Under Compulsory Insurance Regulations and Rights of Recovery
Nothing in this policy shall affect the right of any person to recover an amount by virtue of the provisions of the law relating to the insurance of liability to third parties in any territory in which the policy operates but in the event of us having to pay any amount which we would not have been liable to pay but for the provisions of such law you shall repay all such amounts to us. We reserve the right to recover such payments from you or from the person who incurred the liability.
Section IV
Emergency Treatment
We will indemnify any person using a motorcycle in respect of which indemnity is provided under this policy against liability under the Road Traffic Acts to pay for emergency treatment of injuries caused by or arising out of the use of such motorcycle in any territory to which any of such Acts applies.
Section V
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/CEE relating to civil liabilities arising from the use of a motor vehicle.
In addition to this minimum cover the policy provides the cover shown in the 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; and
your visits to countries outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man being of a temporary nature not exceeding one month in any one trip.
Section III -
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 between any countries within the territorial limits provided that your motorcycle is covered for loss or damage under this policy.
If You Take Your Motorcycle Abroad
All countries within the territorial limits 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. There is no cover for countries outside the territorial limits. We may however be prepared to extend cover to certain of these countries on request in which case we will provide you with a Green Card and an additional premium will be charged.