Thank you for choosing to insure your vehicle with Wagonex underwritten by Mulsanne Insurance. We want to give you every reason to feel satisfied with your motor policy and we aim to provide the best cover and claims service for all of our policyholders.
This policy, together with your schedule, certificate of motor insurance and the proposal form or statement of fact, form the contract between you and us. It is important that you take time to read and understand them and ensure that you have the cover you need.
This policy meets the needs and demands of someone who wants to insure their vehicle against loss or damage and for injury or damage caused by it. It gives useful advice on how to make a claim and what you can do if you are unhappy with our service.
The benefits of this policy are underwritten by Mulsanne Insurance Company Limited.
Mulsanne Insurance Company Limited is a private company limited by shares incorporated in Gibraltar and registered with the Registrar of Companies under company number 101673 with its registered office at PO Box 1338, First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar and licensed by the Gibraltar Financial Services Commission to carry on insurance business under the Financial Services (Insurance Companies) Act 1987.
For Mulsanne Insurance Company Limited
The following companies act as administrators on behalf of Mulsanne Insurance Company Limited:
Complete Cover Group Limited.
Registered in England and Wales: Company No: 03578103.
Registered Address: Elmbrook House, 18-19 Station Road, Sunbury-On-Thames, Surrey, TW16 6SU.
Authorised and regulated by the Financial Conduct Authority under register number 309611.
Registered in England and Wales: Company No: 03758951.
Registered Address: Elmbrook House, 18-19 Station Road, Sunbury-On-Thames, Surrey, TW16 6SU.
Authorised and regulated by the Financial Conduct Authority under register number: 307711.
Your policy was arranged by the following insurance intermediary:
Wagonex. Registered in England and Wales: Company No: 10312289
Registered address: Tramshed Tech, Pendyris Street, Cardiff, CF11 6BH.
Appointed representative of the Complete Cover Group Limited who are authorised and registered by the Financial Conduct Authority under register number 309611.
Welcome to Wagonex
Wagonex is a start-up born out of the frustration with owning cars and no longer wanting to own them. Some of our team are old enough to have owned many and others are young enough to never want to own one. We asked ourselves, why do we continuously borrow large sums of money in a long-term commitment and pay interest to buy cars that depreciate the second you drive them away? "We need to build the Netflix for Cars" and the idea for Wagonex was born.
A simple idea with an elegant solution that one price covers everything but fuel. Behind the scenes is a complex technology stack and many partners of all shapes and sizes that go towards providing a seamless service to our customers. We feel that cars should no longer be a burden but a service!
Based in East London, we have come a long way in a short space of time. Being able to have a car for a month at a time and switching whenever you choose is incredible. The ability to have an SUV for the winter and convertible for the summer was our goal and now a reality. Our team is very excited by the potential Wagonex has to make a difference in a huge market that is in need of dramatic change.
Your Motor Insurance Policy
This policy is a legally binding contract between you and us.
The contract is based upon the information that you gave us in the proposal form or statement of fact and the declaration you have made. If any of the information contained therein is incorrect you must advise us or your insurance intermediary immediately.
Under the terms of the Consumer Insurance (Disclosure and Representations) Act 2012, it is your responsibility to take reasonable care to provide us with complete and accurate information when you take out your policy, throughout the life of your policy and when you renew your policy. It is essential that you tell us straight away about changes which may influence our acceptance or assessment of the risk. Failure to notify us could mean that the policy may not operate fully and could result in part or all of a claim being refused. Such changes could include the following:
This is not an exhaustive list so if you are in any doubt about whether or not facts may need to be considered you should disclose them.
We have agreed to insure you under the terms, conditions and exceptions of this policy or any endorsement which may show on your schedule; and you must have paid or agreed to pay the premium for this contract to be valid.
Please read this document, certificate of motor insurance and schedule together, to ensure they give you the cover you want.
How to Claim
If your vehicle is involved in an accident or you need to make a claim under this policy, please contact us immediately using our Claims Helpline.
NEW CLAIMS HELPLINE
0800 668 1795
Monday - Friday
In order to ensure we deal with your claim efficiently, you will need to provide us with as much information as possible:
If your vehicle has been stolen, before calling us you should:
If you choose to use your own repairer instead of our repairer an additional £250 Accidental Damage or Malicious Damage Excess will apply in addition to the Excess stated within your Policy Schedule
WINDSCREEN CLAIMS ONLY:
FREEPHONE 0800 032 3522
If your policy allows, and your windscreen needs to be replaced or repaired, please contact our windscreen helpline on 0800 032 3522. You will be required to pay the excess shown within this policy.
Windscreen cover only applies if you have Comprehensive cover. Please refer to your policy schedule.
Existing Claims: 01273 741991
If you have an existing claim, please contact our Claims Department on 01273 741 991.
You must read this Privacy Notice carefully as it explains how we use your personal information
In taking out this Insurance Policy with Mulsanne Insurance Company Limited, you or your insurance intermediary have supplied us with your personal information, and this Privacy Notice explains how we will use it. In this Privacy Notice, “we”, “us” and “our” refers to Mulsanne Insurance Company Limited.
When we say, “you” and “your” in this notice, we mean anyone whose personal information we may collect, including: • Anyone seeking an insurance quote from us or whose details are provided during the quotation process • Policyholders and anyone named on or covered by the policy
Who we are
Mulsanne Insurance Company Limited acts as a Data Controller. Our offices are located at First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar.
When providing personal information about others, you confirm that you have the consent of these individuals to supply their personal information. We are unable to offer you any product or service unless you provide explicit consent for the collection and use of sensitive personal data as defined in data protection laws.
You have the right to withdraw consent at any time (see ‘Your Rights’). This may limit or terminate the contract of insurance that you originally entered into with us. Due to legal obligations with road traffic laws and regulatory requirements we may not be able to remove your personal information.
How we use your information
Your information includes personal details that you provided to us or your insurance intermediary, which is then used in a number of ways to process your insurance application, administer your insurance policy or any subsequent claim that you may make. The processing of the information you provide is necessary for the performance of the contract, including:
Where we process special categories of data (including data relating to health or criminal convictions), we will do this on the basis that it is necessary for the performance of your insurance contract and for reasons of substantial public interest.
Automated decision making, including profiling
We may use profiling and automated decision making, to assess insurance risks, detect fraud, and administer your policy. This helps us decide whether to offer you insurance, determine prices and validate claims. If you disagree with the outcome of an automated decision please contact our Operations Manager by email at firstname.lastname@example.org or by phone on 0800 668 1795 and we will review the decision.
What personal information we collect
We collect the following types of personal information about you so we can complete the activities explained in “How we use your information:”
How we collect personal information
We may collect personal information from various sources including you, your representative, your employer or from publicly available sources, including information you have made public, for example on social media.
We also collect information from other persons or organisations, for example:
Who do we share your information with
We may share your information with third parties, including our product and service suppliers, or other insurers, reinsurers, parties involved in handling a claim, and fraud prevention agencies, including the Insurance Fraud Bureau (IFB) https://insurancefraudbureau.org/. We may also share with the police and government bodies if we believe that this is reasonably required for the prevention and detection of crime and fraud. This assists with keeping your premiums low.
We may also share your information with other companies within the group that administer policies on our behalf or prospective buyers or purchasers in the event Mulsanne Insurance Company wishes to sell all or part of its business.
We may pass your details and any information or documentation you provide to us to the recognised centralised insurance industry registers and databases, credit reference agencies, and policy and claims checking systems. Data may also be released to third parties if we are required to do so under the terms of a court order or for regulatory purposes or in the investigation and settlement of a claim or a complaint.
We will only share your information in compliance with data protection laws.
How long will we keep your information
We will only hold your information for as long as necessary to administer the policy, manage our business or in order to comply with legal or regulatory requirements. This will be in line with our data retention policy.
Transferring personal information outside the UK
Some of the organisations we share your personal information may be located in the European Union (EU) where your personal information is protected by laws equivalent to those in the UK. If we have to transfer data to organisations in a third country outside the EU, our contracts with these parties require them to provide an equivalent levels of protection for your personal information.
You have the right to:
Who to contact
If you wish to exercise any of your rights, or have any queries about how we use your personal information, please contact our Data Protection Officer by email at email@example.com or write to the Data Protection Officer, 18-19 Station Road, Sunbury on Thames, Surrey, TW16 6SU.
We will consider your request and either comply with it or explain why we are not able to. Please note, we may request evidence of your identity to process your request.
If you are not happy with any aspect of how we handle your data, we encourage you to come to us in the first instance but you are entitled to complain to the Gibraltar Regulatory Authority, 2nd floor, Eurotowers 4, 1 Europort Road, Gibraltar, or ☏ (+350) 20074636, or email firstname.lastname@example.org.
If however you wish to complain to the Information Commissioner’s Office (ICO) in the United Kingdom then contact
the Information Commissioner’s Office, Wycliffe House, Water Lane, Wilsmlow, Cheshire, SK9 5AF, or ☏ 0303 123 1113, or via the contact links on their website: https://ico.org.uk/concerns/.
Motor Insurance Database – Continuous Insurance Enforcement (CIE)
Information relating to your policy will be added to the Motor Insurance Database ("MID") managed by the Motor Insurance Bureau ("MIB"). MID and the data stored on it may be used by certain statutory and/or authorised bodies including the Police, the DVLA, the DVLANI, the Insurance Fraud Bureau and other bodies permitted by law for purposes not limited to but including: I. Electronic Licensing
III. Law enforcement (prevention, detection, apprehension and or prosecution of offenders)
If you are involved in a road traffic accident (either in the UK, EEA or certain other territories), insurers and or the MIB may search the MID to obtain relevant information.
Persons (including his or her appointed representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain information which is held on the MID.
It is vital that the MID holds your correct registration number. If it is incorrectly shown on MID you are at risk of having your vehicle seized by the Police. You can check that your correct registration number details are shown on the MID at www.askmid.com.
Insurers pass on information to The Claims and Underwriting Exchange register, and the Motor Insurance Anti-Fraud and Theft Register, run by the Motor Insurers’ Bureau (MIB). The aim is to help us check information provided and also to prevent fraudulent claims. When we deal with your request for insurance or manage any claim that may arise, we may search the register(s).
When you tell us about an incident which may or may not give rise to a claim, we will pass information relating to it to the register(s). You can ask for more information about this. You should show this notice to anyone who has an interest in the vehicles insured under the policy.
Fraudulent claims are a serious problem for insurers and any costs arising from such activity are inevitably passed on to honest policyholders. In order to protect your interests and the interests of the vast majority of our policyholders, we fully investigate all claims, and where fraud is detected we report to the authorities under the Proceeds of Crime Act (POCA).
If false or inaccurate information is provided and fraud is suspected, details will be passed to fraud prevention agencies. You may also report information in respect of bogus/fraudulent claims to the Cheatline on 0800 422 0421. The Cheatline is manned 24 hours a day. Alternatively, fraud can be reported online to the Insurance Fraud Bureau (IFB) at www.insurancefraudbureau.org. All information is reported anonymously and will be treated in the strictest of confidence. The Cheatline is manned by experienced fraud investigators who may share the information with other interested parties such as the insurer concerned (if known). Savings obtained from information provided to the Cheatline will help reduce insurance premiums. More information can be provided if requested.
Financial Services Compensation Scheme (FSCS)
Mulsanne Insurance Company Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we are unable to meet our obligations. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk.
Mulsanne Insurance Company Limited aims to provide a standard of service that will leave no cause for complaint. However if you are dissatisfied with the service we have provided please write to the Operations Manager, c/o Complete Cover Group Limited, Elmbrook House, 18-19 Station Road, Sunbury on Thames, Surrey, TW16 6SU, quoting your policy number or claim number and give us full details of your complaint.
Alternatively you may e-mail your complaint to email@example.com or contact the office on 0800 668 1795.
We will endeavour to investigate your complaint fully and resolve immediately. If we cannot resolve your complaint by the next working day we will acknowledge your complaint within five working days of receipt, and do our best to resolve the problem within eight weeks by sending you a final response.
Should you remain dissatisfied having received your final response, you may be able to take your complaint to the Financial Ombudsman Service (FOS). Their address is The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. You may also find their details at www.financial-ombudsman.org.uk
Should you feel the need to complain about the arrangement of your policy please contact your insurance intermediary in the first instance.
Definitions of words and phrases used in this document and are shown in bold throughout the policy.
Parts or products specifically designed to be fitted to your vehicle, including the manufacturer’s standard tool kit and your vehicle’s safety equipment.
Certificate of Motor Insurance
Documentary evidence that you have taken out the insurance that you must have by law. It describes your vehicle, who can drive it and the purpose that it can be used for.
A small hatchback provided by our approved repairer while they are repairing your vehicle
A change to the terms of your policy, and shown on your schedule.
The amount you will have to pay towards any claim and shown on your schedule or policy section. Fire Fire,lightning, explosion or self-ignition
The Insurance Broker, Agent or Intermediary who acting on your behalf has placed this insurance with us.
The cost of replacing your vehicle with one of similar type, age, mileage and/or condition at the time of the loss as assessed by us. We use guides (such as Glasses Guide) which refer to vehicle values, engineers and any other relevant sources to assess the market value.
The document consisting of your Proposal Form or Statement of Fact, our motor insurance policy, your certificate of motor insurance, schedule, and any endorsements.
Your vehicle / Your motor vehicle
Any vehicle including its spare parts and accessories for which we have issued a certificate of motor insurance under this policy.
Period of Insurance
The period of time covered by this insurance as shown in the schedule and/or certificate of motor insurance, and for which we have accepted your premium.
Property which is worn or used in everyday life and which belongs to you and is in your vehicle.
Proposal form or Statement of Fact
The document which contains the information provided by you upon which we have accepted your insurance
Road Traffic Act(s)/Law(s)
The laws which include details of the minimum motor insurance cover needed in the United Kingdom.
The document that identifies the policyholder, and sets out details of the cover your policy supplies.
Countries within the United Kingdom (UK), and the European Union (EU), Andorra, Iceland, Norway and Switzerland.
Any theft or attempted theft which has been reported to the Police.
England, Scotland, Wales, Northern Ireland, the Isle of Man, and the Channel Islands (including transit by sea, air, rail or within and between these places).
Mulsanne Insurance Company Limited
he person(s) or company named in the schedule and certificate of motor insurance as the Insured or Policyholder.
GUIDE TO POLICY COVER
You should refer to your schedule to establish the cover which applies to your insurance. The following then confirms the sections of this document that apply:
Comprehensive cover Sections 1 to 10 apply
The General Conditions and General Exclusions apply in addition to the policy sections.
SECTION 1 – THIRD PARTY ONLY COVER
What is covered
We will cover you for your legal responsibility if there is an accident which involves your vehicle and where you: • kill or injure someone; or
This cover also applies to any accident caused by a trailer, caravan or vehicle you are towing.
Other people using your vehicle
We will also provide the same cover for:
Driving Other Cars (applies to the Policyholder only)
If your certificate of motor insurance allows, this cover is extended to cover the policyholder while driving any separately insured, private motor vehicle that the policyholder has permission to drive provided that such is not owned by, or hired to the policyholder under a hire purchase or leasing agreement and you are not covered to drive the vehicle by another insurance policy.
We will NOT provide cover:
Legal Representation costs
Subject to agreement by us in writing we will pay for:
Unless otherwise agreed by us in writing, we will NOT pay:
Emergency Medical Treatment
We will pay for emergency medical treatment that is required under the Road Traffic Act following an accident involving your vehicle covered by this insurance. If this is the only payment made then your No Claims Bonus will not be affected.
NOT COVERED BY SECTION 1
SECTION 2 – FIRE AND THEFT
What is covered
If your vehicle is lost or damaged as a result of:
we will at our option either pay (subject to the deduction of any excess):
The payment will be made to:
The same cover also applies to your vehicle’s accessories, if kept with, on or in your vehicle.
If the keys or any device used to secure, gain access to, or enable your vehicle to be driven, are stolen, we will pay up to £400 (after the deduction of any excess) towards the cost of replacing door and boot locks, ignition and steering locks, the lock transmitter and central locking interface.
This is providing it can be established that the location of where your vehicle is kept overnight is known to any persons who may have the keys or device used to secure, gain access to, or enable your vehicle to be driven.
We or the repairer may use parts which have not been supplied by the manufacturer.
NOT COVERED BY SECTION 2
For exclusions refer to NOT COVERED BY SECTION 2 (Fire and Theft) and SECTION 3 (Accidental Damage) and GENERAL EXCLUSIONS.
SECTION 3 – ACCIDENTAL DAMAGE
What is covered:
If your vehicle is damaged, we will at our option either pay (subject to the deduction of any excess):
In addition, we will pay the reasonable cost of:
We or the repairer may use parts which have not been supplied by the manufacturer.
NOT COVERED BY SECTION 3
For exclusions refer to NOT COVERED BY SECTION 2 (Fire and Theft) and SECTION 3 (Accidental Damage) and GENERAL EXCLUSIONS.
NOT COVERED BY SECTION 2 (FIRE AND THEFT) AND SECTION 3 (ACCIDENTAL DAMAGE)
We will not pay:
(i) more than the market value or the amount shown on your purchase receipt (whichever is lower) at the time of accident or loss if your vehicle or accessories or spare parts are damaged beyond economical repair.
(ii) more than the last list price of parts no longer available as new.
(iii) for loss or damage caused by theft while nobody is in your vehicle, unless all the doors, windows and other openings are closed or locked, and your vehicle’s keys and any door or ignition unlocking devices are removed and are not within or on the vehicle or have been left unattended in a public place and the vehicles electronic or mechanical devices are set including all security alarms and devices.
(iv) for loss of or damage to your vehicle, if at the time of the incident, it was being driven by or used by anybody not named on your certificate of motor insurance unless the person driving is reported to the police for taking your vehicle without your permission, including being charged.
(v) any loss or damage up to the amount which appears on your schedule as an excess.
(vi) No Payment will be made for
SECTION 4 – REPLACEMENT MOTOR VEHICLE
If your vehicle is less than 12 months old, we will (subject to availability) replace it with a new motor vehicle of the same make, model and specification (or nearest specification), if:
If a suitable replacement vehicle cannot be found, then the most we will pay will be the current market value of your vehicle. The stolen and recovered or damaged vehicle will then belong to us.
SECTION 5 – WINDSCREEN COVER
If you have comprehensive cover we will pay for the replacement or repair of your vehicle’s windscreen or other windows if they are broken or damaged. This includes any scratching to your vehicle’s bodywork if solely caused by the incident, and if the work is carried out with the authority of the Windscreen Helpline.
An excess will apply:
Payments under this section will not affect your No Claims Bonus, and the maximum number of claims will not exceed two per policy period.
NOT COVERED BY SECTION 5
Any glass, window or roof type described here will be dealt with under Section 3 Accidental Damage:
SECTION 6 – AUDIO and/or COMMUNICATIONS EQUIPMENT
Your permanently fitted audio, satellite navigation and/or communications equipment is insured against loss or damage up to the limits specified (after deduction of the policy excess):
Third Party Fire and Theft cover -
NOT COVERED BY SECTION 6
We will not pay for loss of or damage to removable audio, electrical, satellite navigation or communications equipment.
SECTION 7 – PERSONAL BELONGINGS
We will pay up to £100 for loss of or damage to personal belongings in or on your vehicle, provided that they are lost or damaged by accident, fire, theft or attempted theft. Proof of purchase may be required. We may take off an amount for wear and tear when we settle claims.
NOT COVERED BY SECTION 7
We will not provide cover for the following:
SECTION 8 – PERSONAL ACCIDENT and MEDICAL EXPENSES
If you or your spouse die or suffer accidental bodily injury as a direct result of an accident within your vehicle we will pay the following amounts:
Type of Injury Amount we will pay
Loss of any limb £1000
Total loss of sight in one or both eyes £1000
Any payment will be made to you or your legal representative.
NOT COVERED BY SECTION 8 – Personal Accident
The most we will pay in any one period of insurance is £2500 and if you and your spouse have another policy of insurance with us, we will only pay out under one contract. No payment will be made if:
If you, or the driver of the insured motor vehicle or any passenger in the insured motor vehicle are injured in an accident involving your vehicle we will pay for medical expenses up to a sum of £150 for each injured person. This does not apply if there is cover under another insurance policy.
SECTION 9 – COURTESY CAR
Following a claim under Section 2 (Fire and Theft) or Section 3 (Accidental Damage) you may be entitled to a courtesy car while your vehicle is being repaired by one of our approved repairers. This is subject to:
You will not be entitled to a courtesy car if:
The courtesy car will be insured on a comprehensive basis for the period which we have agreed that you may have the courtesy car. You and anybody else covered to drive under this policy will be covered to drive the courtesy car for the same use provided for by this policy.
If we have provided you with a courtesy car and it becomes apparent that we cannot repair your vehicle or that the cost of repair is uneconomical you must return the courtesy car within 2 days of us informing you. If you do not, you will be liable to pay the costs of keeping the courtesy car after this time or any other time agreed by us. Any hire costs for which you become liable may either be deducted from the settlement that we agree to pay you or added to your excess.
While you have a courtesy car provided by us you will have to pay the running costs (e.g. the cost of fuel) and any fines or other penalties incurred by you or anybody else covered by this policy while using the courtesy car.
Courtesy cars provided by us must not be used outside of Great Britain, Northern Ireland, Isle of Man or the Channel Islands
. SECTION 10 – FOREIGN USE
If it is a legal requirement for a physical Green Card document to be in your possession to travel to countries permitted by this policy, then you must contact your insurance intermediary at least 10 days prior to the start date of your travel to obtain this document. If you travel without a Green Card you may be breaking the law and may not be able to drive in the country you are visiting.
This policy provides the minimum cover required by law to use your vehicle in:
Travel within Territorial Limits
We will insure you for the cover shown on your schedule while you are travelling within the Territorial Limits, (including the process of loading and unloading) between ports or terminals in the countries where you have cover as long as the your vehicle is being transported by a recognised air, sea or motor-rail route of not more than 65 hours in duration.
We will also pay for:
Travel outside of the Territorial Limits
Subject to our approval and the payment of a required additional premium we may cover you for the cover detailed in your schedule to travel to countries not within the defined territorial limits. A Green Card or Travel document will be issued and this will be evidence of the cover. This cover must be agreed at least ten working days prior to the start date of your travel.
We will also pay for:
REFER TO SECTION ENTITLED ‘DRIVING ABROAD’ FOR MORE INFORMATION.
The cover provided by this insurance only applies if
(a) When applying for this insurance, including renewing or amending your policy, if you or anyone acting for you: i) provide us with incorrect or misleading information to any questions during your application process ii) mislead us deliberately to obtain the insurance cover, a cheaper premium or better terms
iii) provide us with documentation which has been falsified or has been altered
vii) agree to correct your policy details and charge any additional premium due and apply the correct terms Where we establish that there is any element of fraud, we will then:
viii) not return any premiums that you have paid to us
(b) If any claim is in any way fraudulent or if you or anyone acting on your behalf has used any fraudulent means, including inflating or exaggerating the claim, or submitting forged or falsified documents, or if you have not given complete or accurate information, then no payment will be made, all cover under this policy will end and you will lose any premium that you have paid. It is our practice to fully co-operate with the authorities in the detection and prosecution of those involved in fraud.
You must take all reasonable steps to protect your vehicle and its contents from loss or damage, and your vehicle must be maintained, and kept in an efficient and a roadworthy condition. We must be allowed to examine your vehicle if we deem this necessary.
we have been insuring you plus a £20 premium charge (plus Insurance Premium Tax (IPT) where applicable) to cover our administration costs. Your insurance intermediary may also charge a fee sufficient to cover their costs. The cancellation will take effect from the date and time requested.
c) Our cancellation rights: We or your insurance intermediary may cancel this insurance by giving you 7 days’ notice in writing to your last known address (and in the case of Northern Ireland to the Department of the Environment, Northern Ireland). Subject to no claims having been made (or likely to be made), we will refund a proportionate part of the premium.
6 Administration Costs
If you make any changes to your policy, your premium may be recalculated and you may have to pay an additional premium or you may receive a refund of premium, both of which will be subject to a premium charge of £20 (plus insurance premium tax (IPT) where applicable). This charge is to cover our administration costs. Your insurance intermediary may also make a charge for their administration costs.
This insurance will cover you when you are being paid for carrying passengers for social or similar purposes provided that: • The number of people carried does not exceed the seating capacity of your vehicle (including the driver); • You are not carrying passengers as a part of a business of carrying passengers;
If the law of any country in which this policy covers you makes us obliged to make any payment which we would not normally have paid, we are entitled to ask you to repay us.
You must advise us (or your insurance intermediary if applicable) immediately if any of your details change, including but not limited to: change of vehicle, address, use, drivers, annual mileage, occupations, vehicle modifications, medical conditions, motoring offences or fixed penalties, non-motoring offences.
When a change is advised to us, we review your cover, therefore your premium may be altered. Also, depending on the change, you are not insured until a covernote or revised certificate of motor insurance has been issued.
This policy is governed by the law which applies in the part of the United Kingdom in which you live, unless otherwise agreed by you and us in writing before this policy starts.
The General Exclusions apply to the whole of this insurance policy, and apply in addition to “What is not covered” within each policy section. Your insurance does NOT cover the following:
Any accident, injury, loss, damage or liability arising while your vehicle covered by this insurance is:
We will not cover any accident, injury, loss, damage or liability arising while your vehicle is being used in or on that part of any airport, aerodrome, airfield or military base which is used for the take-off and landing of aircraft, including the movement of aircraft on the ground and aircraft parking aprons, the associated service roads, refuelling areas and ground equipment parking areas. We will not pay for any claim concerning an aircraft within the boundary or restricted area of an airport or airfield.
Any motor vehicle which was manufactured outside of the United Kingdom and imported other than through the manufacturers normal import arrangements, unless otherwise agreed.
Any loss, damage or liability that is also covered by any other insurance policy.
Any loss, damage or liability that occurs outside the territorial limits unless you have paid an additional premium to extend your cover under Section 10 Foreign Use.
Any accident, injury, loss, damage or liability arising while your vehicle is being used for racing, rallying, speed testing, competitions, speed trials, or when driven on a motor sport circuit, race track, disused airfield or de-restricted toll road (including Nürburgring).
Any loss or damage resulting from empowerment, or confiscation of your vehicle by Customs and Excise, Police or any other Government authority. Also, we will not cover securing the release of a motor vehicle, other than your vehicle, which has been seized by, or on behalf of any government or public authority.
Any result of war, invasion, act of foreign enemy, act of terrorism, hostilities (whether war is declared or not), civil war, revolution, insurrection, rebellion, coup, military or usurped power or destruction of or damage to property by order of any government or public authority except so far as is necessary to meet the minimum required by law.
Direct or indirect loss, damage to liability caused by or arising from:
We will not cover any claim as a result of an agreement or contract unless we would have been responsible anyway.
This contract is between you and us. Nobody else has any rights they can enforce under this contract except those rights they have under road traffic law. The Contracts (Rights of Third Parties) Act 1999 does not allow any additional rights under this policy in favour of any third party.
Any proceeding brought against you or judgement passed in any court outside the United Kingdom unless the proceedings or judgement arises out of your vehicle being used in a foreign country for which we have agreed to extend this insurance cover.
This policy does not provide cover for any loss, damage, death or injury arising whilst your vehicle is being used in any rallies or as a result of racing formally or informally against another motorist; nor does it provide cover for any loss damage, death or injury intentionally caused by you or any driver insured to drive your vehicle and/or resulting from participation in any criminal act or offence.
All insurance documentation should be taken with you, including your certificate of motor insurance, your schedule, and your motor insurance policy. The statement is repeated below in the following languages: French, German, Italian and Spanish.
The certificate of motor insurance, and motor insurance policy to which it relates applies in respect of incident occurring in member countries of the European Union. Cover also applies in other countries which have satisfied the requirements of the Commission of European Union as follows: Andorra, Croatia, Iceland, Norway and Switzerland.
The certificate of motor insurance and the motor insurance policy to which it relates applies to any trailer whilst being towed by the motor vehicle shown on the certificate of motor insurance.
Le Certificate et la police d’assurance qui s’y rattache s’appliquent au regard d’incidents ayant lieu dans les pays members Union Europẻene. La couverture s’acquiert ẻgalement dans d’autres pays qui ont rempli les conditions de la Commission de la Union Europẻen, c’est-ả-dire: Andorre, Croatie, la Islande, la Norvẻge, et la Suisse.
Les Certificat et la police d’assurance qui s’y rattache s’appliquent ả toute remorque ẻtant tractẻe par le vẻhicule dont il est fait mention dans le Certificat.
Das Zertifikat und die diesbezűgliche Versicherungspolice gewähren Versicherungsshutz für Versicherungsfälle in den Mitgliedslänern der EG. Der Geltungsbereich erstreckt sich ferner auf solche anderen Länder, die Erfordernisse der EG-Kommission erfült haben, nämlich: Andorra, Kroatien, Norwegen, und die Schweiz.
Das Zertifikat und die diesbezüglich Versicherungspolice gewähren Deckung Für Anhänger des auf dem Zertifikat angegebenen Fahrzeungs.
Il certificate e la polizza di assicurazione a cui fa riferimento si applicano per gli incidenti che occorrono nei paesi della Unione Europea. L’assicurazione si applica anche per gli altri paesi che hanno soddisfatto le esigenze delle Commissione della Unione Europea, cioẻ: L’Andorram Croazia, Islanda, Norvegia, e Svizzera.
Il certificate e el polizza di assicurazione a cui si riferisce, si applicano a qualsiasi rimorchio che venga trainato dal veicolo indicato sul certificate.
El Certificado y la Póliza de Seguro correspondiente, cubren los accidentses que ocurran en cualquiera de los países miembros de la Unión Europea. Asimismo cubren los accidents que ocurran en los siguientes países que reúnen las condiciones exigidas por la Cornisión de la Unión Europea: Andorra, Croatia, Islandia, Noruega, y Suiza.
El Certificado y la Póliza de segrou correspondiente cubren a cualquier remolque mientras vaya arrastradopor en el Certificado.
DOC REF: MI_WEPOL 010721_v1.1