Dial Direct Motorcycle Insurance

Cover under this section includes
Transit by sea, air or rail in or between countries within the territorial limits provided it is by a recognised route which takes 65 hours or less under normal conditions or via the Channel Tunnel fixed link.reimbursement of any customs duty you may have to pay after temporarily importing your motorcycle any country within the territorial limits, subject to your liability arising as a direct result of a claim under this policy. General Average contributions, Salvage charges and Labour charges whilst your motorcycle is being transported by sea within any countries within the territorial limits, provided that your motorcycle is for loss or damage under this policy. Subject to your motorcycle normally being kept in Great Britain this policy provides the cover shown in policy schedule in any country in the territorial limits subject to you not exceeding 90 days in any one A Green Card will not be issued as this is not necessary for cross border travel and your certificate insurance should, therefore, provide sufficient evidence that you are complying with the laws on the compulsory insurance of motor vehicles in any of these countries that you visit. There is no cover for countries outside the territorial limits. If you cannot drive the motorcycle because of loss damage covered by this policy, we will also pay the reasonable cost of delivering it to your address in the UnitedKingdom. We will also pay the amount of customs duty you have to pay as result of the loss or damage.
Continental Use/Compulsory Insurance Requirements
In compliance with EU directives this policy provides, as a minimum, the necessary cover to comply with laws on the compulsory insurance of motor vehicles in:
- any country which is a member of the European Union.
- any country which the Commission of the European Communities is satisfied has made arrangements meet the requirements of Article 7(2) of EC Directive 72/166/CEE relating to civil liabilities arising the use of a motor vehicle.

HELMET AND LEATHERS COVER
This Helmet and Leathers policy (Section) is applicable only if the Schedule shows that Helmet and Leathers Cover is included. This Section is underwritten by Equity Red Star Services Limited. Registered office: Library House, New Road,Brentwood, Essex CM14 4GD. Registered No. 2661753. Equity Red Star Services Limited is authorised and regulated by the Financial Services Authority.

Helmet and Leathers
Whatever level of insurance cover you may have with Dial Direct, by adding Helmet and Leathers Cover your helmet, leathers, boots and gloves will be protected against damage caused by a motorcycle accident.
In the unlikely event that you have a motorcycle accident, and your helmet and leathers are damaged, you will be able to claim up to the value of £750 against this policy. You can add Helmet and Leathers cover to your main policy when taking out insurance with Dial Direct either over the phone or online at http://www.dialdirect.co.uk.

Section 1 Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if your motorcycle is stolen, damaged or destroyed, we will, at our option, either:
- pay for your motorcycle to be repaired or
- replace your motorcycle or
-pay the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle. The maximum amount we will pay will be the market value of your motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your policy schedule. If to our knowledge, your motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to us.

Breakdown Cover
With 24 hour service, faster call out times and a highly trained patrol force, Dial Direct's range of Roadside Rescue services are designed especially for bikers and offer you professional help in the event of a breakdown. With Breakdown Cover you get free call out and labour - you only pay for any necessary parts. If your bike cannot be fixed, you will be taken to the nearest garage or place of safety. This level of cover also includes roadside repairs and emergency message handling.
Breakdown Plus
With 24 hour service, faster call out times and a highly trained patrol force, Dial Direct's range of Roadside Rescue services are designed especially for bikers and offer you professional help in the event of a breakdown. With Breakdown Plus you get all the benefits of Breakdown Cover, plus if your bike cannot be fixed immediately, we'll take you and a pillion passenger home or to a destination of your choice. This service also includes Home Start and European Assistance, as well as emergency message handling and roadside repairs.

Breakdown Cover
With 24 hour service, faster call out times and a highly trained patrol force, Dial Direct's range of Roadside Rescue services are designed especially for bikers and offer you professional help in the event of a breakdown. With Breakdown Cover you get free call out and labour - you only pay for any necessary parts. If your bike cannot be fixed, you will be taken to the nearest garage or place of safety. This level of cover also includes roadside repairs and emergency message handling.
Breakdown Plus
With 24 hour service, faster call out times and a highly trained patrol force, Dial Direct's range of Roadside Rescue services are designed especially for bikers and offer you professional help in the event of a breakdown. With Breakdown Plus you get all the benefits of Breakdown Cover, plus if your bike cannot be fixed immediately, we'll take you and a pillion passenger home or to a destination of your choice. This service also includes Home Start and European Assistance, as well as emergency message handling and roadside repairs.

New Motorcycle Replacement
We will replace your motorcycle with a new motorcycle of the same make and specification(subject to availability) if, within 6 months of purchase new by you:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT)
- at the time of purchase:
- or your motorcycle is stolen and not recovered.
Replacement is subject to:
- your motorcycle being owned by you or having been purchased under a hire purchase or credit sale agreements (any motorcycle the subject of any type of leasing or contract hire agreement is not eligible for replacement).
- the agreement of any interested hire purchase company.
- you being the first registered owner of your motorcycle.

What Payment Options are there?
We offer a number of options for paying for your insurance. If you do not wish to pay online then please call us free on 0800 980 6325 with your personal quote reference number. Annual Payments Annual payments can be made by credit/debit card online or over the phone.Please note that payment will be debited on or around the day requested even if you require the cover to start at a later date.
Monthly Payments
This allows you to split the cost of your insurance in instalments over the year. Dial Direct operates a credit scheme for this but your insurance is still calculated over a year not on a monthly basis. There is a charge for paying by instalments and the current APR is 33.8%, which equates to about 14% of your annual premium. To pay by instalments you need to pay us an initial deposit and then set up a direct debit from your bank account for the remaining 11 months. Please note we cannot provide monthly payments in the following circumstances:
- You are under 18 years of age
- The annual cost of your insurance is less than £130
- We are unable to because of your credit history

What Payment Options are there?
We offer a number of options for paying for your insurance. If you do not wish to pay online then please call us free on 0800 980 6325 with your personal quote reference number. Annual Payments Annual payments can be made by credit/debit card online or over the phone.Please note that payment will be debited on or around the day requested even if you require the cover to start at a later date.
Monthly Payments
This allows you to split the cost of your insurance in instalments over the year. Dial Direct operates a credit scheme for this but your insurance is still calculated over a year not on a monthly basis. There is a charge for paying by instalments and the current APR is 33.8%, which equates to about 14% of your annual premium. To pay by instalments you need to pay us an initial deposit and then set up a direct debit from your bank account for the remaining 11 months. Please note we cannot provide monthly payments in the following circumstances:
- You are under 18 years of age
- The annual cost of your insurance is less than £130
- We are unable to because of your credit history

Fees and charges
We may make the following charges during your policy:
- Cancellation Fee
- If you cancel your policy at anytime you will be charged a fee of £30.00.
- Administration Fee
- Certain policy amendments are subject to a maximum £25.00 administration fee.
- Payment Default Fee
- If we need to resubmit a request for payment to your bank you will have to pay a £20.00 payment default fee.
- Certificate Reprint Fee
- If you lose your Certificate of Motor Insurance, or it is destroyed, and you want a duplicate you will have to pay a £15.00 reprint fee.
- Renewal Arrangement Fee
- When you renew your policy, a non-refundable fee of up to £30.00 may apply.

Cancelling your policy
We or Dial Direct may cancel this policy by giving you seven days notice to your last known address. You must then send us or Dial Direct the certificate of your motor insurance and upon receipt, we will refund to you a proportionate part of your premium. You may cancel your policy with immediate effect by notifying us by phone or post. Our contact details can be found on p10 of your policy booklet. You must return your certificate of motor insurance to Dial Direct Customer Services, Unit 25, Tresham Road, Orton Southgate, Peterborough, PE2 6BU. If you cancel your policy within the first 14 days of receiving your policy documents, unless a total loss claim has occurred, you will pay for the number of days that cover was provided. Outside of this, you will be charged a percentage of the remaining premium. As long as you have not made any claim under this policy we will refund part of the premium. We make charges on the following scale. See next page for details. Cancellation fees will apply. Please refer to the Fees and Chargessection. If you have any additional products, please refer to the relevant section(s) of this policy document for details on cancellation
Months Percentage of your on cover premium you must pay
1 month 40%
2 months 40%
3 months 50%
4 months 60%
5 months 70%
6 months 80%
7 months 85%
8 months 90%
9 months 100%
We will not give you a refund if we provide over 8 months cover.

Fees and charges
We may make the following charges during your policy:
- Cancellation Fee
- If you cancel your policy at anytime you will be charged a fee of £30.00.
- Administration Fee
- Certain policy amendments are subject to a maximum £25.00 administration fee.
- Payment Default Fee
- If we need to resubmit a request for payment to your bank you will have to pay a £20.00 payment default fee.
- Certificate Reprint Fee
- If you lose your Certificate of Motor Insurance, or it is destroyed, and you want a duplicate you will have to pay a £15.00 reprint fee.
- Renewal Arrangement Fee
- When you renew your policy, a non-refundable fee of up to £30.00 may apply.

Legal Costs
We will pay for:
solicitors appointed by us if anyone we insure under this section is represented at a coroner's inquest or fatal accident inquiry or is defending any proceedings in a court of summary jurisdiction. legal services arranged by us up to an amount not exceeding £1000 to defend anyone we insure under this section in the event of proceedings being taken for manslaughter or reckless or dangerous driving causing death, provided that at the time of the occurrence the rider is 21 years of age or more. We will only pay these legal costs if they relate to an incident which is covered under this section.

section 1 loss or damage
Accident Recovery
If your motorcycle is disabled through loss or damage insured under this policy we will pay:
the reasonable cost of protection and removal to the nearest repairers.
the reasonable cost of delivery to you after repair but not exceeding the reasonable cost of transporting
your motorcycle to your address in Great Britain.

Section 1 Loss of or Damage to Your Motorcycle
Subject to the exceptions set out below and to the general exceptions and general conditions contained in the policy, if your motorcycle is stolen, damaged or destroyed, we will, at our option, either:
- pay for your motorcycle to be repaired or
-replace your motorcycle or
-pay the amount of the loss or damage.
The same cover also applies to accessories and spare parts relating to your motorcycle while these are on your motorcycle. The maximum amount we will pay will be the market value of your motorcycle immediately prior to the loss but not exceeding your estimate of value shown on your policy schedule. If to our knowledge, your motorcycle is subject to a hire purchase, leasing or credit sale agreements, any payment may at our discretion be made to the owner described in that agreement whose receipt will be a full and final discharge to us.
Accident Recovery
If your motorcycle is disabled through loss or damage insured under this policy we will pay:
- the reasonable cost of protection and removal to the nearest repairers
- the reasonable cost of delivery to you after repair but not exceeding the reasonable cost of transporting your motorcycle to your address in Great Britain.
New Motorcycle Replacement
We will replace your motorcycle with a new motorcycle of the same make and specification (subject to availability) if, within 6 months of purchase new by you:
- any repair cost or damage covered by the policy exceeds 70% of its list price (including VAT)
- at the time of purchase: or
-your motorcycle is stolen and not recovered.
Replacement is subject to: your motorcycle being owned by you or having been purchased under a hire purchase or credit sale agreements (any motorcycle the subject of any type of leasing or contract hire
agreement is not eligible for replacement). the agreement of any interested hire purchase company. you being the first registered owner of your motorcycle.
Exceptions to Section 1 of Your Policy
Your policy does not cover the following:
1 loss of use, wear and tear, depreciation, deterioration.
2 mechanical, electrical, electronic, computer failures or breakdowns or breakages.
3 damage to tyres caused by braking or by punctures, cuts or bursts.
4 loss of/or damage to accessories and spare parts by theft if your motorcycle is not stolen at the same time.
5 loss or damage directly occasioned by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speed.
6 loss of or damage to helmets and protective clothing.
7 loss of value following repair.
8 loss or damage arising from theft whilst the ignition keys of your motorcycle have been left in or on your motorcycle.
9 the first amount of any claim specified under excess details in the schedule.

Personal Accident
This section is applicable only if the Policy Schedule shows that Personal Accident cover is included.
The Cover
If you suffer bodily injury as a result of an accident within the territorial limits whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to your motorcycle insured under Section 1 during the period of insurance and which within 104 weeks of the date of the incident solely and independently of any other cause results in your death, permanent total disablement, loss of sight, loss of speech, loss of hearing or loss of limb or limbs we will pay you the applicable benefit as shown below.
Condition resulting in the bodily injury Benefit Amount
1. Death £7,500
2. Permanent total disablement £7,500
3. Loss of sight £7,500
4. Loss of speech £7,500
5. Loss of hearing £7,500
6. Loss of limb or limbs £7,500
If more than one benefit is payable for injuries you sustain in a single incident that gives rise to a claim the maximum total amount we will pay for all benefits is £7,500. If you are hospitalised within the United Kingdom as a direct result of bodily injury sustained as a result of an accident within the territorial limits whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to your motorcycle insured under Section 1 during the period of insurance we will pay you £50 for each night you are hospitalised (excluding the first night) up to a maximum of £350.

Personal Accident
This section is applicable only if the Policy Schedule shows that Personal Accident cover is included.
The Cover
If you suffer bodily injury as a result of an accident within the territorial limits whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to your motorcycle insured under Section 1 during the period of insurance and which within 104 weeks of the date of the incident solely and independently of any other cause results in your death, permanent total disablement, loss of sight, loss of speech, loss of hearing or loss of limb or limbs we will pay you the applicable benefit as shown below.
Condition resulting in the bodily injury Benefit Amount
1. Death £7,500
2. Permanent total disablement £7,500
3. Loss of sight £7,500
4. Loss of speech £7,500
5. Loss of hearing £7,500
6. Loss of limb or limbs £7,500
If more than one benefit is payable for injuries you sustain in a single incident that gives rise to a claim the maximum total amount we will pay for all benefits is £7,500. If you are hospitalised within the United Kingdom as a direct result of bodily injury sustained as a result of an accident within the territorial limits whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to your motorcycle insured under Section 1 during the period of insurance we will pay you £50 for each night you are hospitalised (excluding the first night) up to a maximum of £350.

Personal Accident
This section is applicable only if the Policy Schedule shows that Personal Accident cover is included.
The Cover
If you suffer bodily injury as a result of an accident within the territorial limits whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to your motorcycle insured under Section 1 during the period of insurance and which within 104 weeks of the date of the incident solely and independently of any other cause results in your death, permanent total disablement, loss of sight, loss of speech, loss of hearing or loss of limb or limbs we will pay you the applicable benefit as shown below.
Condition resulting in the bodily injury Benefit Amount
1. Death £7,500
2. Permanent total disablement £7,500
3. Loss of sight £7,500
4. Loss of speech £7,500
5. Loss of hearing £7,500
6. Loss of limb or limbs £7,500
If more than one benefit is payable for injuries you sustain in a single incident that gives rise to a claim the maximum total amount we will pay for all benefits is £7,500. If you are hospitalised within the United Kingdom as a direct result of bodily injury sustained as a result of an accident within the territorial limits whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to your motorcycle insured under Section 1 during the period of insurance we will pay you £50 for each night you are hospitalised (excluding the first night) up to a maximum of £350.

Additional Policy Options (if included) are supplied by:
INSTALMENT PROTECTION
STERLING Insurance Company Limited
Ambassador House
Paradise Road
Richmond upon Thames
Surrey

Protected or Guaranteed No Claims Discount
If a protected or guaranteed no claims discount applies the appropriate endorsement is shown on your current policy schedule.

General Conditions
if you pay your premium by instalments under a credit agreement you must pay each instalment when it is due. We will also reserve the right to take the outstanding debt into account in settlement of any claim made under the policy. If you miss an instalment and do not pay it within the time stated in the letters you receive, you will have to pay all the money you owe along with any charges. If we do not receive this payment by the date shown in the letters sent to you by your premium credit suppliers, we will cancel this policy by giving you seven days notice by recorded delivery and Road Traffic Act cover only will have been in force from the date of the first instalment you missed. You must then send us any Certificates of Motor Insurance which are still in force. If you have not made a claim under the Policy, we will refund part of your premium according to the scale shown overleaf. if at the time of any claim arising under this policy there is any other insurance policy covering the same loss, damage or liability, we will only pay our share of the claim, this provision will not place any obligation upon us to accept any liability under Section 2 which we would otherwise be entitled to exclude under Exception 1 to Section 2. you shall at all times take all reason able steps to safeguard your motorcycle from loss or damage. You shall maintain your motorcycle in an efficient roadworthy condition and we shall have, at all times, free access to examine such motorcycle and trailer. under the laws of any country where this policy applies we may have to make payments which are not insured by this policy. You or the person who caused the accident must repay us any money which we have paid because of the law of the country in which this policy applies which we would not otherwise have paid. you or the person who caused the accident must also repay to us any money we had to pay because of any agreement with the Motor Insurer's Bureau. our provision of insurance under this policy is conditional upon you observing and fulfilling the terms, provisions, conditions and endorsements of this policy. 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, all benefits and premiums under the policy shall be forfeited. where we have accepted a claim and there is a disagreement over the amount to be paid, the dispute must be referred to an arbitrator to be agreed between you and us in accordance with the law at anytime. When this happens, a decision must be made before you can take any legal action against us. BISL Limited will hold insurance premium received from customers and claims money and premium refunds received from insurers as an agent of the relevant insurer. The minimum amount we will refund is £10, any refund less than £10 will not be given.