Insurance for your car and vehicle
Vehicle Cover, Motor vehicle insurance terms 1 April 2020 Insurance for your car and vehicle 332505e 4.20 Contents Motor Vehicle Cover terms and conditions .............................................. 1 1 Content and purpose of insurance ................................................ 1 2 Territorial limits................................................................................. 1 3 Safety regulations............................................................................. 1 4 Property insurance ........................................................................... 2 5 Emergency road service cover....................................................... 5 6 Consequential loss cover................................................................. 6 7 Legal expenses cover....................................................................... 7 8 International third-party motor liability insurance.................... 8 9 Regulations concerning premium.................................................. 9 General contract terms and conditions .................................................... 9 Motor Vehicle Cover terms and conditions 1 Content and purpose of insurance These insurance terms and conditions apply to vehicles entered in the insurance policy. The purpose of this insurance is to indemnify, under these terms and conditions, for any direct material damage caused to the object of insurance by the insurance event, and other expenses specified elsewhere in the terms and conditions. The motor insurance options that are available are Super, Standard, Maxi and Medium Motor Insurance. The insurance coverage has been entered in the policy. Financial insurance is a supplementary insurance if it has been entered in the policy. 2 Territorial limits The insurance is valid everywhere in Europe and in Green Card countries outside Europe, except – in the non-European parts of Russia. – Theft cover for passenger cars and motorcycles in private use included in Medium Motor Insurance is not valid in Estonia, Latvia, Lithuania, Poland, Russia, Belarus, Ukraine or Moldova. The territorial scope of validity of theft cover included in Medium Motor Insurance cannot be extended. – Emergency road service cover which is included in Medium Motor Insurance is valid only in Finland, Sweden, Norway and Denmark and in transportation between these countries. For the territorial limits of legal expenses cover, see clause 7.3. 3 Safety regulations 3.1 General The purpose of these safety regulations is to prevent risks and minimise damage. Safety regulations must be observed. Failure to observe the safety regulations may result in a reduction or disallowance of indemnity (see General terms of contract, clause 6). 3.2 Right to drive a motor vehicle The driver of a motor vehicle must have a valid driving licence issued by the authorities for the vehicle category in question or an age-based right to drive a vehicle. A person driving a motor vehicle must not be tired or ill. (Road Traffic Act). A motor vehicle must not be given to another person to drive without confirming his/her identity and that he has the right to drive a vehicle of such a category or has an age-based right to drive the vehicle. (Road Traffic Act). 3.3 Condition of a motor vehicle The motor vehicle must be in a roadworthy condition as specified in the relevant rules and regulations, and inspected as prescribed. For example, the tyres and brakes must conform with regulations. The locking devices of the motor vehicle must be in a condition which meets their requirement to provide protection.
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