Section B - Fire and Theft
We will pay:
For loss or damage as a result of theft, attempted theft, fire, lightning, or explosion
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 cash 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 loss or
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:
- the sum of policy
excesses shown in the
schedule;
- any amount over that shown in the schedule
for loss of or damage to audio equipment;
- for loss or damage to the car
and its contents due to deception or fraud;
- for loss or damage caused by theft or attempted theft if the
car was not properly locked or if any window,
roof opening, removable roof panel or hood was left open or unlocked;
- for loss or damage caused by theft or attempted theft if the
car was taken by a member of the policyholder's family
or household, or taken by an employee or ex-employee of the policyholder or
owner of the car.
Except if that person is convicted of the theft;
- for loss or damage caused by theft or attempted theft if the keys (or keyless entry system) are left unsecured
or unattended, or are left in or on the unattended car;
- for loss or damage if any security or tracking device, which either
we have required
you to fit or
you have told
us is fitted to
your
car, has not been set, is not in full working order
or, the annual network subscription for the maintenance contract of any tracking device has not been renewed;
- for any loss or damage due to theft unless it has been reported to the Police and
a crime reference number obtained;
- for loss or damage if we have required
you to fit and maintain a tracking system to
your
car and the device fitted is not to
TQA (Thatcham Quality Accreditation) standard;
- for loss or damage to the car if,
at the time of the incident, it was under the custody or control of anyone with
your permission who is not covered under this
policy;
- 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 road excise licence or fuel;
- for the replacement of keys or locks due to theft of keys (or keyless entry system) unless
we agree that
your keys (or keyless entry system) were stolen by
a person knowing the location of your
car and
you continue to be insured with
us
(the maximum we will pay in this instance is £500);
- any part of a repair or replacement which improves
your
car beyond its condition before the loss
or damage took place;
- for any loss or costs from returning your
car to its legal owner;
- for loss of use or other indirect loss;
- for the additional cost of modifications (including any change to the fuel system or modifications for disability)
other than those supplied and fitted by the manufacturer or their approved garage at the time of original
registration;
- 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