Section J - Replacement Car 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 the following definitions apply (and where applicable replace any definitions shown elsewhere in this Policy document):

Replacement car
The optional temporary car We will provide You with in the event of a claim as described in the Schedule.
Replacement car company
The company We instruct to provide You with a temporary replacement Car.

If Your Car is damaged or stolen and not recovered in England, Wales or Scotland and if the event is covered by Your Policy under Section A Damage to Your Car or Section B Fire and Theft then We will deliver to and collect from Your home address, or any other address within a ten mile radius, a Replacement car as described in Your Schedule.

We will pay:

• following loss or damage to Your Car, We will pay for the supply of a Replacement car during the period Your Car is not roadworthy or while Your Car is with a motor repairer. In the event that We regard the Car as a write-off or the Car is not recovered, the most We will pay is limited up to the time an offer is made in settlement of the claim;
• if We cannot arrange a Replacement car We will repay Your alternative travelling costs up to a maximum of £15 per day for standard cover and £20 per day for superior cover;
• if Your Car has been specially adapted for a driver with disabilities and We cannot arrange a suitable car, We will repay Your alternative travelling costs up to a maximum of £15 per day for standard cover and £20 per day for superior cover.

The most We will pay:

• for a Replacement car or for alternative travelling costs is 14 consecutive days and 21 days in any Period of insurance.
• if Your Car is insured for Third Party Fire & Theft cover only there is no cover to Your insured Car under Section A Damage to Your Car. We will only provide a Replacement car if You make a claim under Section B Fire and Theft of this Policy.

This section only provides a Replacement car. The Replacement car provided by Us will be insured under Your Policy under sections A to H and K but only if Your Schedule shows that these sections apply to Your Policy. Policy terms and conditions will normally apply to the use of Your Replacement car as if it was Your own Car. However:

• if Your Car is insured for Third Party Fire & Theft cover only:
• You will also be insured under Section A Damage to Your Car whilst using the Replacement car;
• We may amend Your Excess; refer to Your Schedule for details.
• The Replacement car may only be used in England, Wales or Scotland and is only available for drivers who are 21 years or older and who have held a full UK driving licence for at least 12 months.

In addition to the above, the terms and conditions of the Replacement car company are incorporated into and will apply as part of this section of this Policy. You will receive a copy of these terms and conditions when a Replacement car is supplied to You. However if there is any conflict between the terms and conditions provided by the Replacement car company and those applicable to this Policy, those applicable to this Policy will prevail.