Definitions

These definitions apply throughout your policy.

Where we explain what a word means that word will be highlighted in bold print and will have the same meaning wherever it is used in the policy.

There are further definitions in Sections I to M of the policy and those definitions only apply to the section in which they are found.

Accessories

Parts or products specifically designed to be fitted to your car, including spare parts but excluding car audio, telephone, child car seats, in car entertainment and/ or satellite navigation systems.

Audio equipment

Permanently fitted car audio, telephone, in-car entertainment and/ or satellite navigation systems up to the limits shown in the schedule.

Car

Any private motor vehicle insured under this policy and described in your current certificate and schedule including any car provided under Section J (Replacement Car Option).

Certificate

The Certificate of Motor Insurance which provides evidence that you have taken out insurance as required by law and in the event of a claim shows that you were legally entitled to drive the car at the time and location of the incident.

Excess(es)

The amount you must pay towards any claim even if the incident is not your fault. The excess is the first part of any payment of a claim.

Market value

The cost of replacing your car with another of the same make and model and of a similar age and condition at the time of the accident or loss.

My Swift Space

Your own secure online area, hosted by us, where you can access your policy details.

Partner

Someone you have been living with (as if you are married or in a civil partnership with them) for at least six months.

Period of Insurance

The period from the start date to the end date of your current policy.

Policy

This Policy wording for your motor insurance together with your schedule and certificate.

Recommended repairer

A repairer from our approved network, whom we will authorise to repair your car following a claim under Section A (Accidental Damage to your car) or Section B (Fire and Theft) of this policy.

Recycled

Parts that are recycled from other cars including parts denoted by the motor trade industry as "green".

Schedule

The document which identifies the policyholder and sets out details of your policy cover.

Swiftcover

Swiftcover Insurance Services Limited.

Territorial limits

UK - refer to Section G (Territorial Limits and Foreign Use) for full details.

Trailer

Any form of trailer, caravan or car which is towed by a car insured under this policy.

UK

England, Scotland, Wales, Northern Ireland and includes the Isle of Man and the Channel Islands.

We/Us/Our

AXA Insurance UK plc.

You/Your

The person named as the policyholder on the certificate.

Where:
This policy is provided by by Swiftcover Insurance Services Limited and all Sections except Breakdown (Section L) are underwritten by AXA Insurance UK plc.

AXA Insurance UK plc and Swiftcover Insurance Services Limited are wholly owned subsidiaries of AXA UK plc and are part of the AXA group of companies. The registered office of both AXA Insurance UK plc and Swiftcover Insurance Services Limited is 5 Old Broad Street, London, EC2N 1AD. AXA Insurance UK plc is registered in England No. 78950; FSA No. 202312. Swiftcover Insurance Services Limited is registered in England No. 05298352; FSA No. 315373.

Details can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or contacting them on 0845 606 1234.

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type of insurance, size of the business and the circumstances of the claim. Further information about the compensation scheme arrangements is available from the FSCS www.fscs.org.uk.

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