Section M - Lost Car Key Cover Option
This section only applies if you
have agreed to pay any additional premium and the
schedule states that this section
is in force.
Definitions
For the purposes of this section only the following definitions apply (and where
applicable replace any definitions shown elsewhere in this
policy document):
|
Car Key(s) |
A key, fob, entry card or other device designed and made by the manufacturer to access and start
the insured car. |
|
Lock(s) |
The mechanism within the car operated
by the car key. |
|
Loss/Lost |
The car key has been accidentally left by
you in a location and
you are permanently deprived of
its use. |
|
Network |
A garage or vehicle dealer that we appoint. |
We will pay:
- in the event of the loss or theft of
your car key
the cost of replacing the car key (up to £300). If the
car key cannot be replaced we will pay
for replacing the locks of your car (up to £1,500). If the lost
car keys or locks are parts which 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.
- For the cost of transporting your
car to our
network or to your
home in the event of the loss or theft of your
car key (UK only).
If your car key is
lost or stolen at our
option we will use
our
network to replace the car key or replace the
locks of your
car. If
you choose not to use them
we may not pay more than
our network
would have charged and we may choose to
settle the claim by a financial payment equivalent to that cost our
network would have charged us.
We may also, at
our option pay reasonable costs to
obtain a spare key from your home if
the main car key was lost when
you and
your
car are a long distance from
your home and
you do not have another
car key with you.
We will not pay more than the lesser
of the market value of the
car if the cost of replacing
your car key
and/ or replacing the locks of your
car exceeds the market value
of your
car, subject always to the overall maximum
amounts specified above (£300 for the car keys or £1,500 for replacement locks).
If the car is provided under Section J (Replacement Car Option)
you may not choose the method of repair or replacement of the
car keys or locks.
We will not pay:
- The first £50 of each claim;
- For any expense incurred as a result of not being able to use
your car key,
or any loss other than the replacement of the car key or costs of the replacement
locks;
- For costs relating to a damaged car key or lock;
- For the cost of any alternative transport under this section;
- For any expense caused by theft or attempted theft if the car key 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 any claim 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 any claim if the car is not
legally owned by the policyholder or their spouse, partner,
child or parent unless the car is provided
under Section J (Replacement Car Option);
- For loss of use or other indirect loss;
- For loss or damage caused by wear and tear or loss of value;
- For any theft claims which have not been reported to the Police and a crime reference number
obtained;
- For any claim if the costs or payments are recoverable from any party, under the terms of any
other contract, guarantee, warranty, or insurance;
- For transporting the driver, passengers, pets and or goods.
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;
You must:
Comply with the following conditions and the general conditions to have the full protection under
this section. 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:
- not unreasonably withhold your
consent for us to proceed with the
repair to your
car after
we have obtained an estimate from
our network and
in no case withhold your consent for more
than thirty days after receipt of that estimate;
- upon our request and within thirty
days, provide us or the network with any
formal documentation for proof of vehicle and personal identity in order for
us to fulfil your claim for replacement
of car keys or locks;
Back