Section A - Damage to Your Car
We will pay:
For loss or damage to:
We may choose to pay:
If your
car cannot be repaired economically,
we will arrange for it to be moved
to a place of free and safe storage as soon as possible. The salvage of
your
car will become
our property after settlement.
We may choose to repair
your
car with
recycled parts, where appropriate.
Parts used may not have been made by the car's
manufacturer but will be of a similar standard. If any lost or damaged parts are no longer available,
we will pay an amount equal to the cost
shown in the manufacturer's latest price guide, together with reasonable fitting costs.
If your
car is damaged,
we will use one of
our
recommended repairers to repair it.
If you choose not to use them,
we may not pay more than
our
recommended repairers would have
charged and we may choose to settle the
claim by a financial payment.
If you have bought
your
car under a
finance or hire purchase agreement, or are leasing it, any money owed to the company
or bank involved will be paid directly to that company or bank first and any balance
of the agreed settlement sum will then be paid to you.
New car cover
If your
car is less
than one year old and you
have been the first and only registered keeper and legal owner,
we will replace it with a
new one of the same make and model if it has suffered damage covered by this section and the
cost of repairing it will be more than 70% of the manufacturer's last
UK list price (including taxes).
We can only do this if a
replacement car is available in the UK
and anyone else who has an interest in your
car agrees.
If a suitable replacement car is not available, we
will settle the claim by one of the other methods shown above.
The most We will pay:
We will not pay more than the
lesser of the market value of
the car at the time of the loss
and the amount your
car is insured for less any
excesses. If
you bought
your
car at a lower price than would
normally be found in UK trade guides,
we will reduce the Market value accordingly.
We will not pay:
- for the sum of all
policy excesses shown in the
schedule ;
- for any amount over that shown in the schedule
for loss or damage to audio equipment;
- for loss or damage caused by wear and tear or loss of value;
- for loss or damage caused by rust or corrosion;
- for loss of excise licence or fuel;
- for any part of a repair or replacement which improves
your
car beyond its condition
before the loss or damage took place;
- for loss or damage caused by any mechanical, electrical, computer failure or breakdown
or breakage;
- for loss or damage resulting from incorrectly maintaining or fuelling
your
car or from
the use of substandard fuel, lubricant or parts;
- for damage to tyres caused by braking, punctures, cuts or bursts;
- for loss or damage arising from or in consequence of water freezing in the cooling circulation
system of your
car;
- for loss of use or other indirect loss;
- for loss or damage as a result of theft, attempted theft, fire, lightning, or explosion under
this section of the policy
- for the additional cost of modifications (including any change to the fuel system) other than
those supplied and fitted by the manufacturer or their approved garage at the time of original
registration;
- for any costs due to loss or damage to keys (or keyless entry system);
- for the cost of any alternative transport under this section;
- for loss of value following repair.
Where your
car is not to
UK specification (originally
manufactured for sale as new in the UK)
and any part, unit, or accessory of your
car becomes unobtainable or
obsolete in pattern and therefore out of stock in the UK,
we will not pay for the following:
- increased repair and replacement part, unit, or accessory costs due to non-availability
and/or waiting time delivery;
- storage costs awaiting commencement of the repair to
your
car.
In the event of a total loss, if
your
car has a cherished registration
number plate, we will give
you 30 days from the date it is
declared a total loss to transfer that cherished registration number onto a DVLA Retention Certificate
in your name. If
you do not tell us that you wish to
keep the cherished registration number plate,
we will dispose of it with the car.
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