Common use of Excesses Clause in Contracts

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. In addition to any excesses shown on your schedule, should you report any accident within 24 hours of it occurring, we will discount any applicable excess by £100 – the discount will not bring your excess to below £0. If you do not report an incident to ERS within 48 hours of it occurring, you will have to pay an additional excess of £500. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofssunroofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 125 If your windscreen is repaired or replaced by any other company £200 125 Note: If you do not use our approved supplier, the maximum amount we will pay is £200, after we have deducted your excess of £125. If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofssunroofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 59925991. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved suppliersupplier If your vehicle is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our approved repairers to repair your vehicle. Where using our approved repairer for the repair of your vehicle, and your vehicle does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the vehicle involved is covered comprehensively) If your vehicle cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured vehicle should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured vehicle If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Guarantee the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your vehicle, although on occasion it may be necessary. When deciding whether your vehicle is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured vehicle is deemed a total loss • The market value of the insured vehicle, and where applicable • Any salvage value of that insured vehicle In the event that we deem your vehicle a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will offer an amount in settlement of the claim. The insurance cover for that insured vehicle will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your vehicle. If your insurance covers more than one vehicle, cover will remain in force for any vehicles that have not been declared a total loss. If the insured vehicle is owned by someone else, we will discuss the valuation and payments directly with the vehicle owner rather than with you. When we determine the value of the insured vehicle, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured vehicle becomes our property unless we agree otherwise. If the market value we place upon the insured vehicle is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured vehicle. If the market value placed upon the insured vehicle is less than the amount owed to the finance company: We will pay the finance company the market value of the insured vehicle. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured vehicle is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured vehicle is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the vehicle, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the vehicle should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your vehicle will have a salvage category placed upon it, in line with the ABI Code of Practice. Only vehicles deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment, the vehicle will become our property unless we agree otherwise. If your vehicle has been subject to an insurance write off (total loss), you must be able to evidence the vehicle has been restored to a roadworthy condition. In the event of the insured vehicle being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured vehicle has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the vehicle, all keys and any other relevant documentation before we agree to settle the claim. The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking equipment that formed part of your vehicle when it was originally made. We will pay up to £400 for any permanently fitted equipment that was not part of your vehicle when it was originally made. The cover provided under this section will still apply when your vehicle is being serviced or repaired. While your vehicle is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance).

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonusno claim bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.supplier If your vehicle is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our approved repairers to repair your vehicle. Where using our approved repairer for the repair of your vehicle, and your vehicle does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the vehicle involved is covered comprehensively) If your vehicle cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured vehicle should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured vehicle If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Guarantee the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your vehicle, although on occasion it may be necessary. When deciding whether your vehicle is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured vehicle is deemed a total loss • The market value of the insured vehicle, and where applicable • Any salvage value of that insured vehicle In the event that we deem your vehicle a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will offer an amount in settlement of the claim. The insurance cover for that insured vehicle will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your vehicle. If your insurance covers more than one vehicle, cover will remain in force for any vehicles that have not been declared a total loss. If the insured vehicle is owned by someone else, we will discuss the valuation and payments directly with the vehicle owner rather than with you. When we determine the value of the insured vehicle, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured vehicle becomes our property unless we agree otherwise. If the market value we place upon the insured vehicle is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured vehicle. If the market value placed upon the insured vehicle is less than the amount owed to the finance company: We will pay the finance company the market value of the insured vehicle. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured vehicle is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured vehicle is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the vehicle, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the vehicle should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your vehicle will have a salvage category placed upon it, in line with the ABI Code of Practice. Only vehicles deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment, the vehicle will become our property unless we agree otherwise. If your vehicle has been subject to an insurance write off (total loss), you must be able to evidence the vehicle has been restored to a roadworthy condition. In the event of the insured vehicle being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured vehicle has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the vehicle, all keys and any other relevant documentation before we agree to settle the claim. The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking equipment that formed part of your vehicle when it was originally made. We will pay up to £500 for any permanently fitted equipment that was not part of your vehicle when it was originally made. The cover provided under this section will still apply when your vehicle is being serviced or repaired. While your vehicle is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance). This section of your insurance does not cover the following:

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. Windscreen damage (comprehensive cover only) You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. Extra excesses for young or inexperienced drivers If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. Recovery and redelivery After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 59920333 555 5 909. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If • if your windscreen is replaced by our approved supplier, you must pay the first £90 of any claim; • if your windscreen is repaired by our approved supplier supplier, you must pay the first £25 If your windscreen is replaced by our approved supplier £100 If 10 of any claim; or • if your windscreen is repaired or replaced by any other company company, you must pay the first £200 140 of any claim. If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. no claim bonus If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, section we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, consent we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they andthey are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992is0345 605 6327. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors erflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: ▪ If your windscreen is replaced by our approved supplier, you mustpay the first £75 of any claim ▪ If your windscreen is repaired by our approved supplier supplier, you must pay the first £25 If your windscreen is replaced by our approved supplier £100 10 of any claim ▪ If your windscreen is repaired or replaced by any other company company, you mustpay the first £200 If the only 125 of any claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving provisionadl riving licence £200 or has not held, for 12 months or monthsor more, a full driving licence issued by the UK or any orany country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. Recovery and redelivery After any claim under this section, section we will pay the cost of moving your vehicle from the place where the damage happened to the tothe premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as causdeas a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, andconsent,we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 59925991. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. You must pay the first £50 of any claim regardless of which company carries out the repair or replacement If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or thefttheft or where the insured vehicle is an agricultural vehicle. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved suppliersupplier If your vehicle is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our approved repairers to repair your vehicle. Where using our approved repairer for the repair of your vehicle, and your vehicle does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the vehicle involved is covered comprehensively) If your vehicle cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured vehicle should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured vehicle If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Guarantee the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your vehicle, although on occasion it may be necessary. When deciding whether your vehicle is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured vehicle is deemed a total loss • The market value of the insured vehicle, and where applicable • Any salvage value of that insured vehicle In the event that we deem your vehicle a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will, unless you qualify for a new replacement car benefit, offer an amount in settlement of the claim. The insurance cover for that insured vehicle will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your vehicle. If your insurance covers more than one vehicle, cover will remain in force for any vehicles that have not been declared a total loss. If the insured vehicle is owned by someone else, we will discuss the valuation and payments directly with the vehicle owner rather than with you. When we determine the value of the insured vehicle, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured vehicle becomes our property unless we agree otherwise. If the market value we place upon the insured vehicle is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured vehicle. If the market value placed upon the insured vehicle is less than the amount owed to the finance company: We will pay the finance company the market value of the insured vehicle. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured vehicle is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured vehicle is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the vehicle, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the vehicle should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your vehicle will have a salvage category placed upon it, in line with the ABI Code of Practice. Only vehicles deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment the vehicle will become our property unless we agree otherwise. If your vehicle has been subject to an insurance write off (total loss), you must be able to evidence the vehicle has been restored to a roadworthy condition. In the event of the insured vehicle being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured vehicle has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the vehicle, all keys and any other relevant documentation before we agree to settle the claim. If your vehicle is a private car or a commercial vehicle with a gross vehicle weight of 3.5 tonnes or less, we will replace it with a new one of the same make, model and specification (if one is available) if it is less than one year old from the date of you buying it new and: • The cost of repairing any damage (that is covered by this insurance) is more than 50% of the manufacturer’s recommended retail price (including taxes) or • It is lost by theft or is stolen and not recovered If a car is not available, we will pay an amount equal to that which was paid when you bought your vehicle or the current manufacturer’s Recommended Retail Price (including taxes), whichever is less. The lost or damaged car will then belong to us. We will only provide this benefit if you ask for it and anyone who has a financial interest in the car agrees. The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking equipment that formed part of your vehicle when it was originally made. We will pay up to £500 for any permanently fitted equipment that was not part of your vehicle when it was originally made. We will also provide cover up to £20,000 for accessories and spare parts (including GPS navigation systems) which relate directly to the function of your Agricultural Vehicle. This includes cover whilst they are temporarily removed from the vehicle. The value of this equipment must be included within the value of the vehicle as declared in the schedule. The cover provided under this section will still apply when your vehicle is being serviced or repaired. While your vehicle is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance).

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.supplier If your vehicle is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our approved repairers to repair your vehicle. Where using our approved repairer for the repair of your vehicle, and your vehicle does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the vehicle involved is covered comprehensively) If your vehicle cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured vehicle should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured vehicle If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Guarantee the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your vehicle, although on occasion it may be necessary. When deciding whether your vehicle is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured vehicle is deemed a total loss • The market value of the insured vehicle, and where applicable • Any salvage value of that insured vehicle In the event that we deem your vehicle a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will offer an amount in settlement of the claim. The insurance cover for that insured vehicle will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your vehicle. If your insurance covers more than one vehicle, cover will remain in force for any vehicles that have not been declared a total loss. If the insured vehicle is owned by someone else, we will discuss the valuation and payments directly with the vehicle owner rather than with you. When we determine the value of the insured vehicle, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured vehicle becomes our property unless we agree otherwise. If the market value we place upon the insured vehicle is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured vehicle. If the market value placed upon the insured vehicle is less than the amount owed to the finance company: We will pay the finance company the market value of the insured vehicle. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured vehicle is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured vehicle is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the vehicle, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the vehicle should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your vehicle will have a salvage category placed upon it, in line with the ABI Code of Practice. Only vehicles deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment, the vehicle will become our property unless we agree otherwise. If your vehicle has been subject to an insurance write off (total loss), you must be able to evidence the vehicle has been restored to a roadworthy condition. In the event of the insured vehicle being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured vehicle has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the vehicle, all keys and any other relevant documentation before we agree to settle the claim. We will replace your car with a new one of the same make, model and specification (if one is available) if your car is less than one year old from the date of you buying it new and: • The cost of repairing any damage (that is covered by this insurance) is more than 60% of the manufacturer’s recommended retail price (including taxes) or • It is lost by theft or is stolen and not recovered If a car is not available, we will pay an amount equal to that which was paid when you bought your vehicle or the current manufacturer’s Recommended Retail Price (including taxes), whichever is less. The lost or damaged car will then belong to us. We will only provide this benefit if you ask for it and anyone who has a financial interest in the car agrees. This benefit does not apply to any modifications that have been made to the vehicle since the original manufacture. The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking equipment that formed part of your vehicle when it was originally made. We will pay up to £500 for any permanently fitted equipment that was not part of your vehicle when it was originally made. The cover provided under this section will still apply when your vehicle is being serviced or repaired. While your vehicle is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance). In the event of loss of or damage to the insured vehicle under this section, we may be required to make a payment to the owner of your vehicle’s battery, or batteries, if the battery is leased or hired We will pay up to the market or agreed value of your vehicle for the loss of or damage to dismantled parts that are kept in a locked building at the address shown on your proposal form or statement of facts, (or another address previously agreed by us). This cover will only be provided for dismantled parts and does not cover spare parts. We will pay the cost of replacing the registration number plates fitted to your vehicle in the same style as those fitted immediately before the loss. If, as a result of a valid total loss/theft claim under this policy, you are totally and irrevocably deprived of the use of the cherished registration number attached to the insured vehicle, we will pay (up to a maximum of £10,000) the amount equal to the value determined by a member of the Cherished Numbers Dealers Association. We will not be liable for losses occasioned by or happening through any of the following scenarios: • Your permanent disqualification from driving • Confiscation, seizure or detention by Customs or other officials or authorities • If you or any company you are associated with is in liquidation or bankrupt Should the number be re-issued by the DVLA, the entitlement to use the number will transfer to us This section of your insurance does not cover the following:

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. Windscreen damage (comprehensive cover only) You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofssunroofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. Extra excesses for young or inexperienced drivers If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. Recovery and redelivery After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 59925991. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. 125 If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved suppliersupplier If your vehicle is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our approved repairers to repair your vehicle. Where using our approved repairer for the repair of your vehicle, and your vehicle does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the vehicle involved is covered comprehensively) If your vehicle cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured vehicle should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured vehicle If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Guarantee the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your vehicle, although on occasion it may be necessary. When deciding whether your vehicle is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured vehicle is deemed a total loss • The market value of the insured vehicle, and where applicable • Any salvage value of that insured vehicle In the event that we deem your vehicle a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will offer an amount in settlement of the claim. The insurance cover for that insured vehicle will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your vehicle. If your insurance covers more than one vehicle, cover will remain in force for any vehicles that have not been declared a total loss. If the insured vehicle is owned by someone else, we will discuss the valuation and payments directly with the vehicle owner rather than with you. When we determine the value of the insured vehicle, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured vehicle becomes our property unless we agree otherwise. If the market value we place upon the insured vehicle is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured vehicle. If the market value placed upon the insured vehicle is less than the amount owed to the finance company: We will pay the finance company the market value of the insured vehicle. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured vehicle is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured vehicle is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the vehicle, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the vehicle should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your vehicle will have a salvage category placed upon it, in line with the ABI Code of Practice. Only vehicles deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment, the vehicle will become our property unless we agree otherwise. If your vehicle has been subject to an insurance write off (total loss), you must be able to evidence the vehicle has been restored to a roadworthy condition. In the event of the insured vehicle being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured vehicle has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the vehicle, all keys and any other relevant documentation before we agree to settle the claim. The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking equipment that formed part of your vehicle when it was originally made. We will pay up to £400 for any permanently fitted equipment that was not part of your vehicle when it was originally made. The cover provided under this section will still apply when your vehicle is being serviced or repaired. While your vehicle is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance).

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they andthey are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992is0345 605 6327. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors orerflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: ▪ If your windscreen is replaced by our approved supplier, you mustpay the first £75 of any claim ▪ If your windscreen is repaired by our approved supplier supplier, you must pay the first £25 If your windscreen is replaced by our approved supplier £100 10 of any claim ▪ If your windscreen is repaired or replaced by any other company company, you mustpay the first £200 If the only 125 of any claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving provisionaldriving licence £200 or has not held, for 12 months or monthsor more, a full driving licence issued by the UK or any orany country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. Recovery and redelivery After any claim under this section, section we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as causdeas a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consentandconsent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle motorhome is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle motorhome separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehiclemotorhome’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofssunroofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehiclemotorhome’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle motorhome is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle motorhome from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle motorhome back to you in the United Kingdom after repair. Do not try to move your vehicle motorhome yourself if this could increase the damage. If unnecessary damage is caused as a result because of your attempts to move your vehiclemotorhome, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.. If your motorhome is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our approved repairers to repair your motorhome. Where using our approved repairer for the repair of your motorhome, and your motorhome does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the motorhome involved is covered comprehensively) If your motorhome cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured motorhome should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured motorhome If you fail to provide all requested information, documentation, and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Guarantee the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your motorhome to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your motorhome, although on occasion it may be necessary. When deciding whether your motorhome is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured motorhome is deemed a total loss • The market value of the insured motorhome, and where applicable • Any salvage value of that insured motorhome If we deem your motorhome a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will, unless you qualify for a new motorhome replacement benefit, offer an amount in settlement of the claim. The insurance cover for that insured motorhome will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your motorhome. If your insurance covers more than one motorhome, cover will remain in force for any motorhomes that have not been declared a total loss. If the insured motorhome is owned by someone else, we will discuss the valuation and payments directly with the motorhome owner rather than with you. When we determine the value of the insured motorhome, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured motorhome becomes our property unless we agree otherwise. If the market value, we place upon the insured motorhome, is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured motorhome. If the market value placed upon the insured motorhome is less than the amount owed to the finance company: We will pay the finance company the market value of the insured motorhome. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured motorhome is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured motorhome is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the motorhome, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the motorhome should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your motorhome will have a salvage category placed upon it, in line with the ABI Code of Practice. Only motorhomes deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment, the motorhome will become our property unless we agree otherwise. If your motorhome has been subject to an insurance write off (total loss), you must be able to evidence the motorhome has been restored to a roadworthy condition. In the event of the insured motorhome being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured motorhome has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the motorhome, all keys, and any other relevant documentation before we agree to settle the claim. We will replace your motorhome with a new one of the same make, model, and specification (if one is available) if your motorhome is less than one year old from the date of you buying it new and: • The cost of repairing any damage (that is covered by this insurance) is more than 60% of the manufacturer’s recommended retail price (including taxes) or • It is lost by theft or is stolen and not recovered If a motorhome is not available, we will pay an amount equal to that which was paid when you bought your motorhome or the current manufacturer’s Recommended Retail Price (including taxes), whichever is less. The lost or damaged motorhome will then belong to us. We will only provide this benefit if you ask for it and anyone who has a financial interest in the motorhome agrees. The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking equipment that formed part of your motorhome when it was originally made. We will pay up to £500 for any permanently fitted equipment that was not part of your motorhome when it was originally made. The cover provided under this section will still apply when your motorhome is being serviced or repaired. While your motorhome is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance). This section of your insurance does not cover the following:

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofssunroofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.supplier If your vehicle is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our approved repairers to repair your vehicle. Where using our approved repairer for the repair of your vehicle, and your vehicle does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the vehicle involved is covered comprehensively) If your vehicle cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured vehicle should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured vehicle If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Guarantee the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your vehicle, although on occasion it may be necessary. If you make a claim under this section and you choose to use our approved repairers, you will be provided with a guaranteed courtesy car for the duration of the repairs or until your policy expires, whichever is sooner. If your vehicle is classed as immobile (unable to be moved), we aim to provide you with a courtesy car within 24 hours of the claim being reported. The vehicle provided is intended to keep you mobile and will not necessarily be a like-for-like replacement of your vehicle. You will be provided with either a small, standard private car or small car-derived van. All courtesy cars are subject to the driver meeting the terms and conditions of hire from the approved repairer. If your vehicle is a total loss, you will not be offered a courtesy car. When deciding whether your vehicle is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured vehicle is deemed a total loss • The market value of the insured vehicle, and where applicable • Any salvage value of that insured vehicle In the event that we deem your vehicle a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will offer an amount in settlement of the claim. The insurance cover for that insured vehicle will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your vehicle. If your insurance covers more than one vehicle, cover will remain in force for any vehicles that have not been declared a total loss. If the insured vehicle is owned by someone else, we will discuss the valuation and payments directly with the vehicle owner rather than with you. When we determine the value of the insured vehicle, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured vehicle becomes our property unless we agree otherwise. If the market value we place upon the insured vehicle is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured vehicle. If the market value placed upon the insured vehicle is less than the amount owed to the finance company: We will pay the finance company the market value of the insured vehicle. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured vehicle is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured vehicle is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the vehicle, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the vehicle should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your vehicle will have a salvage category placed upon it, in line with the ABI Code of Practice. Only vehicles deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment, the vehicle will become our property unless we agree otherwise. If your vehicle has been subject to an insurance write off (total loss), you must be able to evidence the vehicle has been restored to a roadworthy condition. In the event of the insured vehicle being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured vehicle has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the vehicle, all keys and any other relevant documentation before we agree to settle the claim. The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking equipment that formed part of your vehicle when it was originally made. We will pay up to £1,000 for any permanently fitted equipment that was not part of your vehicle when it was originally made. The cover provided under this section will still apply when your vehicle is being serviced or repaired. While your vehicle is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance). We will pay up to the amount shown in your schedule for any trailer that is lost or damaged while it is attached or detached from your vehicle during the course of a journey. This section of your insurance does not cover the following:

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 59925991. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. You must pay the first £50 of any claim regardless of which company carries out the repair or replacement. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or thefttheft or where the insured vehicle is an agricultural vehicle. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. Windscreen damage (comprehensive cover only) You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. Extra excesses for young or inexperienced drivers If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. Recovery and redelivery After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown within your policy document or on your schedule, you have agreed to pay that amount for each incident of loss or damage. All excesses are cumulative. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an There are no additional excess amount of £250. This is on top of any other excess that you may have to paydamage excesses for young or inexperienced drivers under this insurance policy. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: • If your windscreen is replaced by our approved supplier, you must pay the first £100 of any claim • If your windscreen is repaired by our approved supplier supplier, you must pay the first £25 If your windscreen is replaced by our approved supplier £100 10 of any claim • If your windscreen is repaired or replaced by any other company company, you must pay the first £200 125 of any claim If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any no claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theftbonus. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.supplier We agree that you may choose the garage used to repair your vehicle following any event for which cover is provided by this insurance. Furthermore, we agree that there will not be any deduction for wear and tear of any parts that need replacing including the tyres. Where using our approved repairer for the repair of your vehicle, and your vehicle does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the vehicle involved is covered comprehensively) If your vehicle cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured vehicle should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured vehicle If you fail to provide all requested information, documentation and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Guarantee the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your vehicle to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your vehicle, although on occasion it may be necessary. Where we accept a claim under Section 2 of this policy (excluding windscreen claims), we will reimburse the cost of a mid-range replacement vehicle (i.e. BMW 318I SE Saloon) The most we will pay for replacement vehicle hire costs is £2,500 for any claim or claims arising out of one incident. Following a covered loss to an insured vehicle that occurs more than 50 miles from your home, we will pay up to a maximum of £500 for transportation costs to get you and the passengers of your vehicle to the address notified on the policy schedule or the destination of your journey. When deciding whether your vehicle is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured vehicle is deemed a total loss • The market value of the insured vehicle, and where applicable • Any salvage value of that insured vehicle In the event that we deem your vehicle a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will offer an amount in settlement of the claim. The insurance cover for that insured vehicle will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your vehicle. If your insurance covers more than one vehicle, cover will remain in force for any vehicles that have not been declared a total loss. If you have a single vehicle policy, we will allow this insurance contract to continue on a replacement vehicle provided we accept this substitution and you pay the additional premium applicable. If the insured vehicle is owned by someone else, we will discuss the valuation and payments directly with the vehicle owner rather than with you. When we determine the value of the insured vehicle, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured vehicle becomes our property unless we agree otherwise. If the market value we place upon the insured vehicle is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured vehicle. If the market value placed upon the insured vehicle is less than the amount owed to the finance company: We will pay the finance company the market value of the insured vehicle. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured vehicle is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured vehicle is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the vehicle, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the vehicle should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your vehicle will have a salvage category placed upon it, in line with the ABI Code of Practice. Only vehicles deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment, the vehicle will become our property unless we agree otherwise. If your vehicle has been subject to an insurance write off (total loss), you must be able to evidence the vehicle has been restored to a roadworthy condition. In the event of the insured vehicle being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured vehicle has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the vehicle, all keys and any other relevant documentation before we agree to settle the claim. We will replace your car with a new one of the same make, model and specification (if one is available) if your car is less than one year old from the date of you buying it new and; • The cost of repairing any damage (that is covered by this insurance) is more than 50% of the manufacturer’s recommended retail price (including taxes) or • It is lost by theft or is stolen and not recovered If a car is not available, we will pay an amount equal to that which was paid when you bought your vehicle or the current manufacturer’s Recommended Retail Price (including taxes), whichever is less. The lost or damaged car will then belong to us. We will only provide this benefit if you ask for it and anyone who has a financial interest in the car agrees. Your vehicle’s spare parts and fitted accessories (including the manufacturers’ tool kit and the vehicle safety equipment) are insured in the same way as your vehicle. We only provide this cover if the spare parts and accessories are only used with your vehicle, are kept in or on your vehicle and fall within the agreed value of the vehicle. Permanently-fitted audio, visual and telephone equipment are also insured against loss or damage, but we will only pay the market value of the equipment at the time of the loss or damage. We will not pay for loss or damage to cassettes, compact or mini discs, DVD’s or accessories used with the audio, visual or telephone equipment. The cover provided under this section will still apply when your vehicle is being serviced or repaired. While your vehicle is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance). We will pay up to the value of your vehicle for parts taken from your vehicle which are kept in a locked building at the address shown on your proposal form or statement of facts, or another address we agree to. We will pay the cost of replacing the registration number plates fitted to your vehicle in the same style as those fitted immediately before the loss. If, as a result of a valid total loss/theft claim under this policy, you are totally and irrevocably deprived of the use of the cherished registration number attached to the insured vehicle, we will pay (up to a maximum of £10,000) the amount equal to the value determined by a member of the Cherished Numbers Dealers Association. We will not be liable for losses occasioned by or happening through any of the following scenarios: • Your permanent disqualification from driving • Confiscation, seizure or detention by Customs or other officials or authorities • If you or any company you are associated with is in liquidation or bankrupt • Should the number be re-issued by the DVLA, the entitlement to use the number will transfer to us In the event of loss of or damage to the insured vehicle under this section, we may be required to make a payment to the owner of your vehicle’s battery, or batteries, if the battery is leased or hired. We will insure your vehicle charging cable against loss or damage caused by: • Accidental or malicious damage, flood damage or vandalism • Fire, lightning, self-ignition and explosion; or theft or attempted theft You will not have to pay an excess for any claim under this section and it will not affect your no claim bonus. This section of your insurance does not cover the following:

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle motorhome is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle motorhome separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehiclemotorhome’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofssunroofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehiclemotorhome’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle motorhome is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle motorhome from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle motorhome back to you in the United Kingdom after repair. Do not try to move your vehicle motorhome yourself if this could increase the damage. If unnecessary damage is caused as a result because of your attempts to move your vehiclemotorhome, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier. If your motorhome is not roadworthy following an incident covered and accepted under section 2 of your policy and you are unable to complete your journey, we will pay up to £250 in total towards: • Emergency overnight accommodation, including the cost of meals and drinks for the driver and passengers of your motorhome • Standard Class public transport costs to enable you and your passengers to return home or reach your original destination (within the UK, EU or approved countries) If your motorhome is damaged in any way which is covered by this insurance, you should contact us immediately. We can, if you wish, organise for our approved repairers to repair your motorhome. Where using our approved repairer for the repair of your motorhome, and your motorhome does not exceed 3.5 tonne gross vehicle weight our approved repairer will: • Guarantee the repairs for 5 years • Endeavour to use original equipment manufacturer parts/equipment where feasible • Supply you with a courtesy car (subject to availability) for the duration of the vehicle repair or until your policy expires, whichever is the sooner (where the motorhome involved is covered comprehensively) If your motorhome cannot be driven safely, you should allow us the opportunity of moving it to the premises of an approved repairer or repairer of your choice if previously agreed by us. If repairs are completed without our prior knowledge and consent this may affect the amount we pay in final settlement of your claim. In all circumstances, anyone conducting repairs to an insured motorhome should retain the following for our inspection: • A fully costed estimate • All damaged parts and • Images of the damaged areas of the insured motorhome If you fail to provide all requested information, documentation, and evidence of claim damage, we reserve the right not to pay for damages under this section. If you choose to not use our approved repairer, we will not: • Be responsible for any delays incurred by the repairer • Be responsible for the provision of a courtesy car • Guarantee the repairs • Guarantee the use of original equipment manufacturer paint/parts We may arrange for your motorhome to go to a repairer of our choice if we cannot reach an agreement with your chosen repairer over costs. It is not our policy to use recycled or non-original parts and equipment when repairing your motorhome, although on occasion it may be necessary. When deciding whether your motorhome is a total loss, we use the Association of British Insurers (ABI) Code of Practice for the Disposal of Motor Vehicle Salvage. We alone will determine: • When an insured motorhome is deemed a total loss • The market value of the insured motorhome, and where applicable • Any salvage value of that insured motorhome If we deem your motorhome a total loss, due to it being uneconomical to repair or subject to an unrecovered theft, we will, unless you qualify for a new motorhome replacement benefit, offer an amount in settlement of the claim. The insurance cover for that insured motorhome will end when you accept that offer. You will not receive a refund of premium if your insurance ends due to the total loss of your motorhome. If your insurance covers more than one motorhome, cover will remain in force for any motorhomes that have not been declared a total loss. If the insured motorhome is owned by someone else, we will discuss the valuation and payments directly with the motorhome owner rather than with you. When we determine the value of the insured motorhome, we will take into account any discount on the manufacturer’s recommended retail price received at the point of purchase. Our offer will not exceed the amount shown on schedule. Once we have made a payment, the insured motorhome becomes our property unless we agree otherwise. If the market value, we place upon the insured motorhome, is equal to or greater than the amount owed to the finance company: We will pay the finance company first and then settle the balance with the legal owner of the insured motorhome. If the market value placed upon the insured motorhome is less than the amount owed to the finance company: We will pay the finance company the market value of the insured motorhome. You may be required by the finance company to pay them the balance, subject to the terms of your agreement with them. If the market value we place upon the insured motorhome is greater than the amount owed to the lease / hire company, we will pay them only the amount of the outstanding finance, which will settle the claim in full. If the market value we place upon the insured motorhome is less than the amount owed, the amount we pay to the lease / hire company will settle the claim, and you may be required by the lease / hire company to pay them the balance, subject to the terms of your agreement with them. We will pay the lease / hire company the market value of the motorhome, which will settle the claim in full. Any transfer of legal title or distribution of the proceeds of the motorhome should be taken up directly with the lease / hire company in line with the specific terms of your agreement. Where applicable, your motorhome will have a salvage category placed upon it, in line with the ABI Code of Practice. Only motorhomes deemed eligible to go back on the road can be considered for retention. If retention is granted, the value of the salvage, as determined by us, will be deducted from the settlement. At the point of payment, the motorhome will become our property unless we agree otherwise. If your motorhome has been subject to an insurance write off (total loss), you must be able to evidence the motorhome has been restored to a roadworthy condition. In the event of the insured motorhome being subject to another claim, we will request documentary evidence of repairs and other documentation that we may require, to evidence, and to satisfy us, that the insured motorhome has been maintained in a roadworthy condition, otherwise the valuation will be affected. If we ask, you must send us your vehicle registration document (V5c), MOT certificate (if applicable), the purchase receipt for the motorhome, all keys, and any other relevant documentation before we agree to settle the claim. We will replace your motorhome with a new one of the same make, model, and specification (if one is available) if your motorhome is less than one year old from the date of you buying it new and: • The cost of repairing any damage (that is covered by this insurance) is more than 60% of the manufacturer’s recommended retail price (including taxes) or • It is lost by theft or is stolen and not recovered If a motorhome is not available, we will pay an amount equal to that which was paid when you bought your motorhome or the current manufacturer’s Recommended Retail Price (including taxes), whichever is less. The lost or damaged motorhome will then belong to us. We will only provide this benefit if you ask for it and anyone who has a financial interest in the motorhome agrees. The cover provided by this policy includes loss of, or damage to, permanently fitted audio, visual, communication, guidance or tracking equipment that formed part of your motorhome when it was originally made. We will pay up to £500 for any permanently fitted equipment that was not part of your motorhome when it was originally made. The cover provided under this section will still apply when your motorhome is being serviced or repaired. While your motorhome is in the hands of the motor trade for a service or repair, we ignore any restrictions on driving or use (as shown on your certificate of motor insurance).

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 59925991. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 10 If your windscreen is replaced by our approved supplier £100 75 If your windscreen is repaired or replaced by any other company £200 125 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown within your policy document or on your schedule, you have agreed to pay that amount for each incident of loss or damage. All excesses are cumulative. If more than one vehicle is insured on your policy and they are involved in the same incident, only the highest of the excesses shown in your policy will apply. The multiple excess shown on your schedule will waiver does not apply to each vehicle separatelyevents involving fire or theft. If you choose to use a non-approved repairer, you There are no additional damage excesses for young or inexperienced drivers under this insurance policy. We will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage the replacement or repair to your vehicle’s windscreen windscreen, windows or windows sunroof (including panoramic sunroof) and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plasticWe will also pay for any recalibration needed following the replacement of the windscreen resulting from an insured event under this policy. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: • If your windscreen is replaced by our approved supplier, you must pay the first £100 of any claim • If your windscreen is repaired by our approved supplier supplier, you must pay the first £25 If your windscreen is replaced by our approved supplier £100 10 of any claim • If your windscreen is repaired or replaced by any other company company, you must pay the first £200 125 of any claim If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any no claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theftbonus. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.

Excesses. If an excess is shown on your schedule, you have agreed to pay that amount for each incident of loss or damage. If more than one vehicle is insured on your policy and they are involved in the same incident, the excess shown on your schedule will apply to each vehicle separately. If you choose to use a non-approved repairer, you will have to pay an additional excess amount of £250. This is on top of any other excess that you may have to pay. You may claim for damage to your vehicle’s windscreen or windows and for any bodywork scratched by broken glass from the window or windscreen. The helpline number is 0330 123 5992. This benefit does not apply to damaged sun roofs, roof panels, lights or reflectors whether glass or plastic. The following excesses apply to a windscreen claim but there is no limit on the cost of the windscreen: If your windscreen is repaired by our approved supplier £25 If your windscreen is replaced by our approved supplier £100 If your windscreen is repaired or replaced by any other company £200 If the only claim you make is for broken glass in your vehicle’s windscreen or windows, including bodywork scratched by the breakage, it will not affect your No Claim Bonus. If your vehicle is damaged while a young or inexperienced driver (including yourself) is driving, you will have to pay the first amount of any claim as shown below. This is on top of any other excess that you may have to pay. Under 21 years of age £300 Aged 21 to 24 years £200 Aged 25 years or over who has a provisional driving licence or has not held, for 12 months or more, a full driving licence issued by the UK or any country which is a member of the European Union. £200 These amounts do not apply if the loss or damage is caused by fire or theft. After any claim under this section, we will pay the cost of moving your vehicle from the place where the damage happened to the premises of the nearest competent repairer. We will also pay the cost of delivering your vehicle back to you in the United Kingdom after repair. Do not try to move your vehicle yourself if this could increase the damage. If unnecessary damage is caused as a result of your attempts to move your vehicle, we will not pay any extra cost arising from that damage. All arrangements for storage of a damaged vehicle must be agreed by us. If you arrange storage without our prior knowledge and consent, we will not pay any extra cost arising from that arrangement where this is greater than the cost we negotiate with our approved supplier.