Ensign Motorcycle Insurance

SECTION 4 - TERRITORIAL LIMITS & FOREIGN USE
B) Foreign Use
The Underwriters will provide the full Document Cover for a maximum period of 90 days in any Insurance year whilst the Insured Vehicle is being used in or transported by rail or sea between the countries listed below:
1) any member of the European Union.
2) any other country for which the commission of the European Union is satisfied that arrangements have been made to meet the requirements of EU Directives on insurance.
Conditions applying to Section 4
1) the Insured Vehicle must be taxed and registered in the UK.
2) your main permanent home must be in the UK and your visit abroad is only temporary.
EXCEPTIONS TO SECTION 4
This Insurance does not cover:
1) Riding other vehicles even if stated on your Certificate of Motor Insurance.
2) The Insured Vehicle unless it is being used or the purposes described in the Certificate of Motor Insurance and Policy Schedule In addition to the above, in the event of disablement of your motorcycle by reason of loss or damage or liability in respect of the cost of delivery back to you after repair shall be limited to the cost of delivery in the country where the loss or damage is sustained.

EXCEPTIONS TO SECTION 2
The insurance does not cover :
15) personal belongings including helmets, leathers, gloves, clothing or footwear.

SECTION 2 LOSS OR DAMAGE TO YOUR VEHICLE
If the Insured Vehicle is damaged or stolen and provided all reasonable precautions are taken, we will, at our option:
a) pay the reasonable cost of repairing any damage to the Insured Vehicle within its market value OR
b) pay an amount in cash equivalent to the value of any loss or damage to the Insured Vehicle OR
c) pay the cost of replacing the Insured Vehicle or any part thereof which has been lost or damaged, with one of a similar type and in similar condition, the replaced item then becoming the Underwritersproperty;
We will pay the reasonable cost of taking the Insured Vehicle to the nearest suitable repairer and, after repair, to your address as shown in the Schedule. If your motorcycle is over three years old we may, at our option, decide to fit replacement parts which have not been made by the motorcycles manufacturer but which are of a similar standard. If the Insured Vehicle is damaged beyond economical repair the maximum amount payable will not exceed the market value, purchase price or your estimate of the value shown in the schedule whichever is the lower. If settlement is made for the market value of the Insured vehicle the remains of the Insured vehicle will become the property of the Underwriters for disposal in accordance with the Motor Conference code of practice or any other regulation or legislation applying at the time of
such loss. If settlement is made for the total loss of the Insured Vehicle the policy will cease to be operative and no refund of premium will be given. A substitution of vehicle may be allowed at the discretion of the Underwriter but no return of premium will be given following the adjustment. If the Insured Vehicle belongs to someone else or is the subject of a hire purchase or leasing agreement, payment for the total loss or destruction of the Insured Vehicle will normally be made to the Insured Vehicles legal owners. If the keys or lock transmitter which operate the Insured Vehicle are lost or stolen we will pay up to £500 towards the cost of replacing the ignition or steering lock, the lock transmitter and central locking interface subject to
a) the Insured Vehicle being covered for Comprehensive benefits
b) the policy excess
c) the loss having been reported to the police.
If you have a cherished or personal number plate you wish to retain you must follow the procedure laid down by the Driver and Vehicle Licensing Agency (DVLA). This will include completion of the DVLA retention and transfer application forms and you will be responsible for the appropriate fee. If you intend to apply to retain the number plate we must be notified immediately and we will require the replacement vehicle registration mark as soon as it is provided to you. If we are not notified IMMEDIATELY of the intention to retain the number plate we will proceed with the disposal of the vehicle salvage including the vehicle number plate (vehicle registration mark).
EXCEPTIONS TO SECTION 2
The insurance does not cover:
1) wear, tear and depreciation or that part of the cost of repair which improves your motorcycle beyond its condition before the loss or damage occurred.
2) any perceived loss in value of your motorcycle.
3) loss of use, mechanical, electrical, electronic, computer failures or breakdowns or breakages.
4) damage to tyres unless this results from an accident to your motorcycle.
5) more than the manufacturers latest list price of any part or standard accessory.
6) any amount in respect of any part of the Insured Vehicle in excess of the price shown for the same in the manufacturers last price list at the time of the loss or damage where that part or accessory is unobtainable or obsolete in pattern.
7) any other consequential loss.
8) money, credit/charge cards, stamps, tickets, jewellery, portable audio &/or TV equipment, compact discs, cassettes, cameras, digital video disks (DVDs), MP3 player, documents or securities.
9) mobile telephones, office &/or business equipment, trade goods or samples.
10) computers &/or their components &/or their attachments and portable electronic equipment.
11) property insured under any other Insurance.
12) loss or damage to the Insured vehicle arising from it being impounded as a result of a road traffic accident or vehicle licence offence or Customs & Excise offence or for any penalties imposed because of the incorrect disposal of the Insured vehicle deemed to be an End of Life Vehicle (ELV) following settlement on a total loss basis and where Underwriters did not retain the salvage for disposal.
13) loss or damage to the Insured Vehicle arising from the Insured Vehicle being taken or ridden by a person who is not an insured rider but is a member of your family or household.
14) loss or damage arising to a sidecar or accessories unless they are properly attached to the motorcycle by equipment manufactured for this purpose.
15) personal belongings including helmets, leathers, gloves, clothing or footwear.
16) damage caused by frost or freezing.
17) loss or damage arising from the Insured vehicle being filled with the wrong fuel.
18) any loss suffered through the obtaining of property by deception.
19) loss or damage to the Insured Vehicle whilst the keys or other device which unlocks the Insured Vehicle have been left in or on the Insured Vehicle or not removed to a safe and secure place.
20) any storage charges unless you tell us about them and we agree in writing to pay for them.
21) any additional damage resulting from the Insured Vehicle being moved by you after an accident, fire or theft.
Any payment will be limited to the cost of repairs or, if stolen or beyond repair, to the value at the time of the loss or accident.
IN ADDITION TO THE ABOVE EXCEPTIONS THIS INSURANCE DOES NOT COVER THE FIRST PART OF EACH CLAIM (EXCESS) IN RESPECT OF ACCIDENTAL DAMAGE, VANDALISM/MALICIOUS DAMAGE, FIRE OR THEFT. THE AMOUNT OF ANY SUCH EXCESS IS SPECIFIED IN YOUR SCHEDULE.

SECTION 2 LOSS OR DAMAGE TO YOUR VEHICLE
If the Insured Vehicle is damaged or stolen and provided all reasonable precautions are taken, we will, at our option:
a) pay the reasonable cost of repairing any damage to the Insured Vehicle within its market value OR
b) pay an amount in cash equivalent to the value of any loss or damage to the Insured Vehicle OR
c) pay the cost of replacing the Insured Vehicle or any part there of which has been lost or damaged, with one of a similar type and in similar condition, the replaced item then becoming the Underwritersproperty;

SECTION 2 LOSS OR DAMAGE TO YOUR VEHICLE
We will pay the reasonable cost of taking your motorcycle to the nearest suitable repairer and, after repair, to your address as shown in the Schedule.

SECTION 2 LOSS OR DAMAGE TO YOUR VEHICLE
We will pay the reasonable cost of taking your motorcycle to the nearest suitable repairer and, after repair, to your address as shown in the Schedule.

SECTION 2 LOSS OR DAMAGE TO YOUR VEHICLE
If the Insured Vehicle is damaged or stolen and provided all reasonable precautions are taken, we will, at our option:
a) pay the reasonable cost of repairing any damage to the Insured Vehicle within its market value OR
b) pay an amount in cash equivalent to the value of any loss or damage to the Insured Vehicle OR
c) pay the cost of replacing the Insured Vehicle or any part thereof which has been lost or damaged, with one of a similar type and in similar condition, the replaced item then becoming the Underwriters property;
We will pay the reasonable cost of taking the Insured Vehicle to the nearest suitable repairer and, after repair, to your address as shown in the Schedule. If your motorcycle is over three years old we may, at our option, decide to fit replacement parts which have not been made by the motorcycles manufacturer but which are of a similar standard. If the Insured Vehicle is damaged beyond economical repair the maximum amount payable will not exceed the market value, purchase price or your estimate of the value shown in the schedule whichever is the lower. If settlement is made for the market value of the Insured vehicle the remains of the Insured vehicle will become the property of the Underwriters for disposal in accordance with the Motor Conference code of practice or any other regulation or legislation applying at the time of
such loss. If settlement is made for the total loss of the Insured Vehicle the policy will cease to be operative and no refund of premium will be given. A substitution of vehicle may be allowed at the discretion of the Underwriter but no return of premium will be given following the adjustment. If the Insured Vehicle belongs to someone else or is the subject of a hire purchase or leasing agreement, payment for the total loss or destruction of the Insured Vehicle will normally be made to the Insured Vehicles legal owners. If the keys or lock transmitter which operate the Insured Vehicle are lost or stolen we will pay up to £500 towards the cost of replacing the ignition or steering lock, the lock transmitter and central locking interface subject to
a) the Insured Vehicle being covered for Comprehensive benefits
b) the policy excess
c) the loss having been reported to the police.
If you have a cherished or personal number plate you wish to retain you must follow the procedure laid down by the Driver and Vehicle Licensing Agency (DVLA). This will include completion of the DVLA retention and transfer application forms and you will be responsible for the appropriate fee. If you intend to apply to retain the number plate we must be notified immediately and we will require the replacement vehicle registration mark as soon as it is provided to you. If we are not notified IMMEDIATELY of the intention to retain the number plate we will proceed with the disposal of the vehicle salvage including the vehicle number plate (vehicle registration mark).
EXCEPTIONS TO SECTION 2
The insurance does not cover:
1) wear, tear and depreciation or that part of the cost of repair which improves your motorcycle beyond its condition before the loss or damage occurred.
2) any perceived loss in value of your motorcycle.
3) loss of use, mechanical, electrical, electronic, computer failures or breakdowns or breakages.
4) damage to tyres unless this results from an accident to your motorcycle.
5) more than the manufacturers latest list price of any part or standard accessory.
6) any amount in respect of any part of the Insured Vehicle in excess of the price shown for the same in the manufacturers last price list at the time of the loss or damage where that part or accessory is unobtainable or obsolete in pattern.
7) any other consequential loss.
8) money, credit/charge cards, stamps, tickets, jewellery, portable audio &/or TV equipment, compact discs, cassettes, cameras, digital video disks (DVDs), MP3 player, documents or securities.
9) mobile telephones, office &/or business equipment, trade goods or samples.
10) computers &/or their components &/or their attachments and portable electronic equipment.
11) property insured under any other Insurance.
12) loss or damage to the Insured vehicle arising from it being impounded as a result of a road traffic accident or vehicle licence offence or Customs & Excise offence or for any penalties imposed because of the incorrect disposal of the Insured vehicle deemed to be an End of Life Vehicle (ELV) following settlement on a total loss basis and where Underwriters did not retain the salvage for disposal.
13) loss or damage to the Insured Vehicle arising from the Insured Vehicle being taken or ridden by a person who is not an insured rider but is a member of your family or household.
14) loss or damage arising to a sidecar or accessories unless they are properly attached to the motorcycle by equipment manufactured for this purpose.
15) personal belongings including helmets, leathers, gloves, clothing or footwear.
16) damage caused by frost or freezing.
17) loss or damage arising from the Insured vehicle being filled with the wrong fuel.
18) any loss suffered through the obtaining of property by deception.
19) loss or damage to the Insured Vehicle whilst the keys or other device which unlocks the Insured Vehicle have been left in or on the Insured Vehicle or not removed to a safe and secure place.
20) any storage charges unless you tell us about them and we agree in writing to pay for them.
21) any additional damage resulting from the Insured Vehicle being moved by you after an accident, fire or theft.
Any payment will be limited to the cost of repairs or, if stolen or beyond repair, to the value at the time of the loss or accident.
IN ADDITION TO THE ABOVE EXCEPTIONS THIS INSURANCE DOES NOT COVER THE FIRST PART OF EACH CLAIM (EXCESS) IN RESPECT OF ACCIDENTAL DAMAGE, VANDALISM/MALICIOUS DAMAGE, FIRE OR THEFT. THE AMOUNT OF ANY SUCH EXCESS IS SPECIFIED IN YOUR SCHEDULE.

GENERAL CONDITIONS
9) Cancellation
We, or your authorised broker/intermediary, may cancel this insurance at any time by sending seven days notice by Recorded Delivery to the last known address on our records. A pro rata refund of premium for the remainder of the period of insurance will be allowed on receipt of the Certificate of Motor Insurance.

Varies depending on broker.
GENERAL CONDITIONS
12) Administration Fees
Underwriters reserve the right to apply a fee for each mid-term amendment carried out on the Insurance in addition to any premium adjustment that results.

Report a Claim
In the event of a claim please call us: Call us if your vehicle or any other vehicle is damaged in an accident Give this same number to anyone else involved in the accident if they want to claim against you Our first response unit will then register the claim under your policy and provide you with the necessary advice to begin the claims handling process. FREEPHONE 0808 100 8181.

SECTION 1 LIABILITY TO OTHERS
E. Legal fees and expenses We will pay, provided we have given our written consent;
1) legal fees and costs incurred in dealing with or defending any action at law by which damages in respect of such death, bodily injury or damage are claimed against any person insured under this insurance.
2) solicitors fees for representation at any Coroners inquest or fatal inquiry in respect of such death or for defending in any Court of Summary Jurisdiction any proceedings in respect of any act causing or relating to the accident.
3) legal expenses in respect of any proceedings taken against any person insured under this insurance for manslaughter, or reckless or dangerous driving causing death, in respect of his or her driving at the time of the accident. Subject to the Underwriters reserving the right at any time to relieve themselves of any further liability under this clause on payment to the Document Holder of the expenses incurred to that date. Provided that the person claiming indemnity and any person on whose behalf indemnity is claimed shall have complied with the terms and conditions contained in the Document of Insurance and any Endorsements.

HELPLINE SERVICES
The Underwriters provide these services 24 hours a day, seven days a week during the period of insurance.
EuroLaw Commercial Legal Advice
The Underwriters will give the Document Holder confidential legal advice over the phone on any commercial legal problem, under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Switzerland and Norway.
To contact the above service, phone the Underwriters on 0117 934 2111.

SECTION 2 LOSS OR DAMAGE TO YOUR VEHICLE
If the Insured Vehicle is damaged or stolen and provided all reasonable precautions are taken, we will, at our option:
a) pay the reasonable cost of repairing any damage to the Insured Vehicle within its market value OR
b) pay an amount in cash equivalent to the value of any loss or damage to the Insured Vehicle OR
c) pay the cost of replacing the Insured Vehicle or any part there of which has been lost or damaged, with one of a similar type and in similar condition, the replaced item then becoming the Underwritersproperty;

SECTION 1- LIABILITY TO OTHERS
A. Your own liability We will indemnify you against liability at law for damages or claimants law costs in respect of death or bodily injury to any person or damage to any property as a result of any accident involving:
1) your motorcycle.
2) any other motorcycle being used by you with the permission of the owner, which does not belong to you and is not hired to you under a hire purchase agreement provided this is shown on your Certificate of Motor Insurance and Policy Schedule.
EXCEPTIONS TO SECTION 1
The insurance does not cover:
2) Underwriters liability in respect of loss or damage to property (including animals) is limited to £20,000,000 (Twenty Million Pounds) in respect of any one accident or occurrence or series of occurrences arising out of one event.

EXCEPTIONS TO SECTION 2
The insurance does not cover :
15) personal belongings including helmets, leathers, gloves, clothing or footwear.

No Cover....
EXCEPTIONS TO SECTION 2
The insurance does not cover:
8) money, credit/charge cards, stamps, tickets, jewellery, portable audio &/or TV equipment, compact discs, cassettes, cameras, digital video disks (DVDs), documents or securities.
9) mobile telephones, office &/or business equipment, trade goods or samples.
10) computers &/or their components &/or their attachments and portable electronic equipment.

No cover....
EXCEPTIONS TO SECTION 2
The insurance does not cover:
8) money, credit/charge cards, stamps, tickets, jewellery, portable audio &/or TV equipment, compact discs, cassettes, cameras, digital video disks (DVDs), documents or securities.
9) mobile telephones, office &/or business equipment, trade goods or samples.
10) computers &/or their components &/or their attachments and portable electronic equipment.

Discounts can vary depending on broker.
SECTION 3 NO CLAIMS BONUS
Provided no claim has been made or is pending during any period of insurance your No Claims Bonus will be increased in accordance with the No Claims Bonus scale applicable at the time of such renewal. If you only make one claim during a period of insurance, four or more years No Claims Bonus will step back to two years, three years No Claims Bonus will step back to one year. If you make more than one claim in a period of insurance, you will lose all your discount.
PROTECTED NO CLAIMS BONUS
If you are eligible and your insurance incorporates the Protected No Claims Bonus option, Endorsement E1M appears on the schedule, the following terms and conditions apply: Your No Claims Bonus will not be prejudiced by a single claim in any period of insurance or any two occurring claims in any three consecutive periods of insurance. Protecting your No Claims Bonus, protects your bonus level in accordance with the above. It is not a premium protection, this benefit does not guarantee that your premium will not increase at next renewal.

PROTECTED NO CLAIMS BONUS
If you are eligible and your insurance incorporates the Protected No Claims Bonus option, Endorsement E1M appears on the schedule, the following terms and conditions apply: Your No Claims Bonus will not be prejudiced by a single claim in any period of insurance or any two occurring claims in any three consecutive periods of insurance. Protecting your No Claims Bonus, protects your bonus level in accordance with the above. It is not a premium protection, this benefit does not guarantee that your premium will not increase at next renewal.
EXCEPTIONS TO SECTION 3
If your insurance incorporates the Protected No Claim Bonus option it does not cover the first £50 of each claim (excess) for Accidental Damage, Vandalism/Malicious damage, Fire and Theft. This clause operates in addition to any other excess applying.

GENERAL CONDITIONS
We will provide the cover described in this insurance provided the following conditions are met:
1) Condition Precedent
The Underwriters will only be liable to provide an indemnity or make payment under this contract of insurance if:
a) any person claiming indemnity or on whose behalf indemnity is claimed has complied with all the terms and conditions contained in the Document of Insurance and any Endorsements;
b) the declaration and information given on the proposal form is correct and complete to the best of the Document Holders knowledge and belief;
c) the Insured Vehicle is being ridden in accordance with the terms of the Certificate of Motor Insurance; and
d) the Insured Vehicle is being used in accordance with the Certificate of Motor Insurance.
2) Care of Your Motorcycle
You must ensure that your motorcycle is maintained in a safe and roadworthy condition in accordance with the manufacturers recommendations and take all reasonable precautions and protect your motorcycle from loss or damage. When your motorcycle is left unattended (regardless of whether it is still in your sight) you must remove all ignition keys, activate any security devices that may be fitted and take all other steps necessary for protecting it. You should keep your motorcycle in a locked garage if you have one or if any garaging requirements are imposed by endorsement shown on your Schedule. We require you to allow our duly authorised representative free access at all reasonable times to examine your motorcycle.
3) Claims and Proceedings
a) Full details of any incident which may result in a claim under this insurance shall be reported to the Underwriters in writing by way of a fully completed Accident Report Form as soon as reasonably possible;
b) Every claim form, writ, summons, legal process or other communication in connection with any such incident shall be forwarded to the Underwriters immediately upon receipt;
c) The Underwriters shall be given all information and assistance they may require in connection with any such incident or claim in respect thereof;
d) The Underwriters shall be advised immediately of the time and place of any impending prosecution or inquest or fatal inquiry;
e) No admission of liability or offer or promise of payment shall be made without the Underwriters written consent;
f) The Police shall be notified as soon as reasonably possible of loss or damage caused by theft or attempted theft or criminal damage;
g) In the event of damage to the Insured Vehicle which is covered by this insurance, the Underwriters or their appointed representative shall be contacted immediately and their prior approval obtained in respect of any repairs to be undertaken;
h) In the event of a claim being settled on a total loss basis,
i) Underwriters will require the current Ministry of Transport Test Certificate, Vehicle Registration Document and all ignition keys of the Insured vehicle, the Certificate of Motor Insurance and any other documents required by them.
ii) The remains of the Insured vehicle will become the property of Underwriters for disposal in accordance with the Motor Conference Code of Practice or any other regulation or legislation applying at the time of such damage.
i) The Underwriters shall be permitted to take over and deal with the defence or settlement of any claim in respect of any liability covered by this insurance in the name of the person against whom the claim is brought;
j) The Underwriters shall be permitted to take proceedings at their own cost to recover the amount of any payment made under this insurance in the name of the Document Holder or other insured person to whom payment has been made and shall be given their full co-operation in relation thereto.
4) Other Insurance
If any loss, damage or liability covered by this insurance is also covered by any other insurance, we will pay only our share of any claim.
5) Arbitration
Where a claim has been accepted but there is disagreement over the amount due, the matter will be referred to an arbitrator agreed by the parties in accordance with statutory provisions. If this occurs, an award must be made before any proceedings can be started against us.
6) Instalment Premiums
(a) Where the premium or any part thereof was paid with the benefit of a finance agreement and there remains sums outstanding (whether or not the date for payment of the said sums or any part thereof has fallen due) by the Document Holder to the provider of the finance (referred to hereafter as the Finance Company) the Underwriters may at their option deduct all or any part of the sums outstanding between the Document Holder and Finance Company from any claims settlement due in respect of a loss under this Document, provided the sum thereby deducted is paid directly by the Underwriters to the Finance Company.
(b) Where the Underwriters have agreed to the payment of premium(s) by instalments, if any instalment is not received by the Underwriters on or before its due date, then all unpaid instalments and service fees shall become immediately due. Should the full premium and service fee not be paid within 7 days of the Underwriters giving written notice of non payment this Document will be cancelled immediately upon the expiry of such notice.
(c) Following such cancellation, provided that there have been no claims in the current period of Insurance, the Document Holder will be entitled to a pro-rata return of premium upon receipt of this Document and Certificates of Motor Insurance.
(d) The Underwriters may at their own option deduct any outstanding premiums due from any claims settlement due in respect of a loss under this Document.
7) Replacement Motorcycle
You must notify us immediately if you acquire a replacement motorcycle, otherwise we reserve the right to refuse to make any payment against any claim under this insurance (except so far as is necessary to comply with compulsory motor insurance legislation).
YOU ARE REMINDED THAT; This insurance applies solely to the Insured vehicle detailed in the Schedule.
8) Cooling off Period
This section is applicable to retail customers (as advised by the insurance broker through whom you arranged this insurance) only; Once you have entered into the insurance contract with Ensign, you are entitled to a period of reflection during which you may decide whether to proceed with the purchase of the insurance contract. The duration of this period of reflection is 14 days and commences from either: The day of conclusion of the insurance contract; or The day on which you receive the full terms of the insurance contract detailing the terms, conditions and information about the contract, whichever is the later. You should serve notice of cancellation to the insurance broker through whom you arranged this insurance, at the brokers contact address. You must return the Policy Document, the Certificate(s) of Insurance and Insurance Disc(s), if applicable, and it is a criminal offence for which you can be prosecuted not to do so.
Charging
Cancellation within the 14 day cooling off period - £40 or a pro-rata charge based upon the time on risk, whichever is the greater.
9) Cancellation
You may cancel this insurance at any time by returning to us your Certificate of Motor Insurance. The cancellation will be effective from the date the Certificate is received by us and the appropriate refund of premium will be calculated in accordance with our published short period rates as shown below. Any refund will be subject to no claim having been made in the period since last renewal.
SHORT PERIOD RATES
Period not Exceeding  Proportion of Annual Premium Returned
1 Month     75%
2 Months    70%
3 Months     50%
4 Months     40%
6 Months     30%
8 Months     10%
Over 8 Months    Nil
Please note:- A minimum premium of £40.00 will apply.
We, or your authorised broker/intermediary, may cancel this insurance at any time by sending seven days notice by Recorded Delivery to the last known address on our records. A pro rata refund of premium for the remainder of the period of insurance will be allowed on receipt of the Certificate of Motor Insurance.
10) Personal Contract
This insurance is a personal contract with you and is not transferable for any reason.
11) English Law
Unless it has been specifically agreed to the contrary this insurance will be subject to English Law.
12) Administration Fees
Underwriters reserve the right to apply a fee for each mid-term amendment carried out on the Insurance in addition to any premium adjustment that results.
13) False Declaration
This Document will be void and of no effect if:
a) the proposal or declaration is untrue in any material respect.
b) the Document Holder makes a claim that is fraudulent or deliberately exaggerated.
c) the Document Holder has made a false declaration or statement in support of any such claim.
d) the circumstances in which the Document Holder entered into the Insurance are altered without the Underwriters consent.
14) Motor Insurance Database
You shall ensure that all vehicle and policy details are notified to the Underwriters within five business days of the effective date for entry on the Motor Insurance Database as required by the relevant Law applicable in Great Britain and Northern Ireland.
15) Motor Insurance Database
Your policy details will be added to the Motor Insurance Database (MID), Data Protection run by the Motor Insurers Information Centre (MIIC). MID data may be used by the DVLA and DVLNI for the purpose of Electronic Vehicle Licensing and by the Police for the purpose of establishing whether a drivers use of the vehicle is likely to be covered by a motor insurance policy and/or for preventing and detecting crime. If you are involved in an accident (in the UK or abroad), other UK insurers, the Motor Insurers Bureau and MIIC may search the MID to obtain relevant policy information. Persons pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on the MID. You can find out more about this from us, or at www.miic.org.uk.
16) Claims and Underwriting Exchange & Motor Insurance Anti Fraud and Theft Database Data Protection
Your details may be passed to the Claims and Underwriting Exchange Register (CUE), run by the Insurance Database Services Ltd ( IDSL) and the Motor Insurance Anti-Fraud and Theft Register (MIAFTR), run by the Association of British Insurers (ABI). We also exchange information with the Police and/or other insurers and other organisations through various other databases. The aim is to help us check information provided and also to prevent fraudulent claims. Under the conditions of your policy, you must tell us about any incident (such as an accident or theft) which may or may not give rise to claim. We will pass information relating to this incident to the registers.
17) Data Protection
Your information may be disclosed to agents and service providers appointed by us (such as claims handling agents, approved engineers, and investigative agents). Your information may also be transferred to any country including countries outside the European Economic Area for the purpose of administration.Your information may be shared with other members of QBE Insurance Group. Information held about you may, with some exceptions, be obtained through application to the appointed Data Controller.

SECTION 2 LOSS OR DAMAGE TO YOUR VEHICLE
If the Insured Vehicle is damaged or stolen and provided all reasonable precautions are taken, we will, at our option:
a) pay the reasonable cost of repairing any damage to the Insured Vehicle within its market value OR
b) pay an amount in cash equivalent to the value of any loss or damage to the Insured Vehicle OR
c) pay the cost of replacing the Insured Vehicle or any part thereof which has been lost or damaged, with one of a similar type and in similar condition, the replaced item then becoming the Underwriters property;
We will pay the reasonable cost of taking the Insured Vehicle to the nearest suitable repairer and, after repair, to your address as shown in the Schedule. If your motorcycle is over three years old we may, at our option, decide to fit replacement parts which have not been made by the motorcycles manufacturer but which are of a similar standard. If the Insured Vehicle is damaged beyond economical repair the maximum amount payable will not exceed the market value, purchase price or your estimate of the value shown in the schedule whichever is the lower. If settlement is made for the market value of the Insured vehicle the remains of the Insured vehicle will become the property of the Underwriters for disposal in accordance with the Motor Conference code of practice or any other regulation or legislation applying at the time of
such loss. If settlement is made for the total loss of the Insured Vehicle the policy will cease to be operative and no refund of premium will be given. A substitution of vehicle may be allowed at the discretion of the Underwriter but no return of premium will be given following the adjustment. If the Insured Vehicle belongs to someone else or is the subject of a hire purchase or leasing agreement, payment for the total loss or destruction of the Insured Vehicle will normally be made to the Insured Vehicles legal owners. If the keys or lock transmitter which operate the Insured Vehicle are lost or stolen we will pay up to £500 towards the cost of replacing the ignition or steering lock, the lock transmitter and central locking interface subject to
a) the Insured Vehicle being covered for Comprehensive benefits
b) the policy excess
c) the loss having been reported to the police.
If you have a cherished or personal number plate you wish to retain you must follow the procedure laid down by the Driver and Vehicle Licensing Agency (DVLA). This will include completion of the DVLA retention and transfer application forms and you will be responsible for the appropriate fee. If you intend to apply to retain the number plate we must be notified immediately and we will require the replacement vehicle registration mark as soon as it is provided to you. If we are not notified IMMEDIATELY of the intention to retain the number plate we will proceed with the disposal of the vehicle salvage including the vehicle number plate (vehicle registration mark).
EXCEPTIONS TO SECTION 2
The insurance does not cover:
1) wear, tear and depreciation or that part of the cost of repair which improves your motorcycle beyond its condition before the loss or damage occurred.
2) any perceived loss in value of your motorcycle.
3) loss of use, mechanical, electrical, electronic, computer failures or breakdowns or breakages.
4) damage to tyres unless this results from an accident to your motorcycle.
5) more than the manufacturers latest list price of any part or standard accessory.
6) any amount in respect of any part of the Insured Vehicle in excess of the price shown for the same in the manufacturers last price list at the time of the loss or damage where that part or accessory is unobtainable or obsolete in pattern.
7) any other consequential loss.
8) money, credit/charge cards, stamps, tickets, jewellery, portable audio &/or TV equipment, compact discs, cassettes, cameras, digital video disks (DVDs), MP3 player, documents or securities.
9) mobile telephones, office &/or business equipment, trade goods or samples.
10) computers &/or their components &/or their attachments and portable electronic equipment.
11) property insured under any other Insurance.
12) loss or damage to the Insured vehicle arising from it being impounded as a result of a road traffic accident or vehicle licence offence or Customs & Excise offence or for any penalties imposed because of the incorrect disposal of the Insured vehicle deemed to be an End of Life Vehicle (ELV) following settlement on a total loss basis and where Underwriters did not retain the salvage for disposal.
13) loss or damage to the Insured Vehicle arising from the Insured Vehicle being taken or ridden by a person who is not an insured rider but is a member of your family or household.
14) loss or damage arising to a sidecar or accessories unless they are properly attached to the motorcycle by equipment manufactured for this purpose.
15) personal belongings including helmets, leathers, gloves, clothing or footwear.
16) damage caused by frost or freezing.
17) loss or damage arising from the Insured vehicle being filled with the wrong fuel.
18) any loss suffered through the obtaining of property by deception.
19) loss or damage to the Insured Vehicle whilst the keys or other device which unlocks the Insured Vehicle have been left in or on the Insured Vehicle or not removed to a safe and secure place.
20) any storage charges unless you tell us about them and we agree in writing to pay for them.
21) any additional damage resulting from the Insured Vehicle being moved by you after an accident, fire or theft.
Any payment will be limited to the cost of repairs or, if stolen or beyond repair, to the value at the time of the loss or accident.
IN ADDITION TO THE ABOVE EXCEPTIONS THIS INSURANCE DOES NOT COVER THE FIRST PART OF EACH CLAIM (EXCESS) IN RESPECT OF ACCIDENTAL DAMAGE, VANDALISM/MALICIOUS DAMAGE, FIRE OR THEFT. THE AMOUNT OF ANY SUCH EXCESS IS SPECIFIED IN YOUR SCHEDULE.