General Conditions

You must:

Comply with the following conditions to have the full protection of your policy. If You do not comply with them we may at our option cancel your policy or refuse to deal with your claim or reduce the amount of any claim payment. You, all named drivers and anyone else seeking to make a claim under this policy must:

1. have answered truthfully all questions relating to your details; those of your car and of all named drivers on your policy that we asked when your policy started. You must also have truthfully agreed to all statements that we listed in the terms and conditions relating to your policy when it started. You must also advise us as soon as possible of all changes to this information;
2. tell us as soon as possible all information about an incident which may lead to a claim under your policy and fully co-operate with us while we handle any claim. In all cases you must advise us of any accident within thirty days of it occurring or we may refuse to pay your claim except as required under the Road Traffic Act;
3. not negotiate regarding any claim or settle any claim without our written permission;
4. give us full control of the claim and we may take over, defend or settle the claim, or take up any claim in your name;
5. give us consent to proceed with the repair to your car within thirty days after we have obtained an estimate from our recommended repairer;
6. upon our request and within thirty days, provide us with any formal documentation including the V5 Registration Certificate for the car, personal identity requests or driving licence for the named driver of the car;
7. send to us, unanswered immediately any documents you receive such as notice of prosecution, coroner's inquest, fatal accident inquiry, writ, summons, claim or letter;
8. not admit liability for any claim unless we ask you to do so;
9. advise and co-operate with the police in the event of a theft;
10. not carry passengers as customers of a passenger-carrying business;
11. not make a profit from passengers' payments or from allowing someone to drive;
12. make sure the car is roadworthy including that it has, if required, a valid MOT certificate and complies with the Road Traffic Acts (e.g. has legally correct tyres, lights, brakes, windows etc…)to drive in the country in which the claim occurred;
13. have at the time of the claim a valid driving licence to drive the car in the country in which the claim occurred;
14. take all reasonable steps to protect the car and its contents from loss or damage;
15. if the damaged car is provided by us under Section J (Courtesy Car Option) the car will be referred to our recommended repairer;
16. allow us to examine the car at any reasonable time if we ask you;
17. provide proof of your No Claims Discount from your previous insurer. The proof must have been earned in your name as the policyholder, be issued by a UK motor insurer for private motor car or motor bike insurance and be less than twelve months old. Company car, company-insured car, classic car or motor trade insurance proof are not acceptable;
18. not act in a fraudulent manner, including if you or anyone acting for you:
    • fail to provide relevant documentary evidence as required, including proof of the no claims discount that you have claimed;
    • fail to correctly declare or update the information you have provided including:
    • your address where you live and your car is normally kept overnight;
    • your no claims discount from your previous insurer;
    • your car make and model and body derivative, car registration number, car transmission, car fuel, car ownership, the age of the car, the value of the car, the use of the car, any modifications to the car, the security system on the car, the expected annual mileage, the location where the car is normally kept, where the car is parked or garaged overnight;
    • the name, gender, licence details, occupation, part-time occupation, period of residency in the UK and date of birth of you and any other named driver
    • the relationship of all other named drivers to you;
    • all motoring accidents or claims in the last three years that you and any other drivers named on the Policy have had;
    • if you or any other named drivers have had any non-motoring related convictions or have any pending;
    • all driving offences, fixed penalties or other forms of driving related convictions in the past 5 years that you and any other named drivers have had;
    • fail to declare that any named drivers has themselves held a policy with us that we have cancelled;
    • make a statement in support of any policy or claim knowing the statement to be false in any respect;
    • made a false declaration when you incepted the policy or made any subsequent amendment to the policy or advised of a claim;
    • submit a document in support of any policy or claim knowing the document to be forged or false in any respect;
    • make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect;
    • make a claim in respect of any loss or damage caused by your wilful act or with your collusion;
    • make a false declaration to the police regarding your insurance;
    • fail to pay your premium when payment is due;
    • commit fraud on any other policy that we insure, then at our option we:
      • will cancel the policy or declare it void from inception, not make any return of premium and also recover any unpaid premium;
      • will cancel the policy immediately and return any premium according to our declared cancellation scale and recover any unpaid premium;
      • will remove one or more named drivers from your policy and adjust your premium;
      • will recover any shortfall in premium;
      • will reduce the extent of your cover;
      • will not pay any claim that has been or will be made under the policy;
      • will be entitled to recover from you the total amount of any claim already paid under the policy plus any recovery costs;
      • will regard any other policy that we provide and with which you are connected as fraudulent;
      • will inform the police of the circumstances.

We will:

• not pay more than our share of your claim, if you or anyone else has any other insurance which covers all or part of the same loss, damage or liability;
• in the event of any claim take any unpaid premiums from any claim payment we make to you or recover any unpaid premium directly from you;
• not refund your premium if you have made a claim or if one has been made against you during the period of insurance.

If you, or we, cancel this policy it will be subject to the terms detailed in the section of this policy entitled cancellation which forms part of the conditions of this policy.

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