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).
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.
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