provide you with insurance cover as long as
Important bits to read
We agree to provide you with insurance cover as long as you
meet certain conditions. If you do not meet these conditions,
we may decide not to accept a claim or to cancel your policy or
treat it as though it never existed.
You must:
• do what you can to protect your vehicle against theft
or damage
• be truthful and correct in everything you tell us
• let us know if you have had any speeding tickets, fines or
other motoring or criminal convictions
• let us know if you alter your vehicle, or add any accessories
of significant value
• let us know if you change your address
• let us know if there is any change of ownership or use of
your vehicle or a change of principal driver.
Other stuff to know
Do I always have to pay an excess?
Your excess is the amount you must contribute as the first
payment towards the cost of each claim you make. However,
we will refund your excess if your vehicle is involved in an
accident and we find that you or the driver of your vehicle was
not to blame.*
The Policy Schedule shows how much excess you have to pay.
There are certain instances when you won’t have to pay an
excess, please see page 12 of this policy document.
*Certain conditions apply – these are set out in this
policy document.
Who is covered to drive my vehicle?
• You and anyone over 25 who has a valid driver licence,
unless that person is specifically stated to be excluded in the
Policy Schedule.**
• Your or your spouse, or person with whom you are living in
the nature of a marriage.
** There may be times when you are not covered. See page 10,
‘What is not covered by this policy’ and the Policy Schedule.
About
your policy
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