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):
- Courtesy car
-
The optional temporary car we
will provide you with in the
event of a claim as described in the schedule.
- Courtesy car company
-
The company we
instruct to provide you with
a temporary courtesy car.
If your
car is damaged and immobile or stolen
and not recovered in England, Wales or Scotland and if the event is covered by
your
policy under Section A (Accidental Damage
to Your Car) or Section B (Fire and Theft) then at
our option,
we will either:
We will pay:
- following loss or damage to your
car,
we will pay for the supply of
a courtesy 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
courtesy car,
we will repay
your alternative travelling
costs up to a maximum of £15 per day;
- if your
car has been specially adapted for
a named 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.
The most we will pay:
- for a courtesy 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
(Accidental Damage to Your Car). We will only provide a courtesy car if you make a claim under Section B (Fire and Theft) of this
policy.
This section only provides a courtesy car. The courtesy 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 courtesy car as if it was your own car. However:
- if your
car is insured for Third Party Fire
& Theft cover only:
- The courtesy car may only be used
in England, Wales or Scotland.
Any claims occurring on the courtesy car
will be made on your
policy and may affect
your No Claims Discount.
In addition to the above, the terms and conditions of the courtesy 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 courtesy car is supplied to you , in particular you will be required to show a driving licence for each
named driver of the
courtesy car to the
courtesy car company and
you may be required to pay a deposit
(refundable on return of the car undamaged
and without any unpaid charges or fines against the car e.g. for parking or driving in a congestion zone). However if there is any conflict
between the terms and conditions provided by the courtesy car company and those applicable to this
policy, those applicable to this
policy will prevail.
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