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).
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.
Back