Common use of Accidental Damage Cover Clause in Contracts

Accidental Damage Cover. What is Covered If your motor vehicle is damaged, we will either pay (subject to the deduction of any excess): • for the repair of the damage; • the current market value of your motor vehicle (the damaged vehicle will then belong to us); the cash value of any lost or stolen part; • no more than the last list price of parts no longer available as new. In addition, we will pay the reasonable cost of: • protecting your motor vehicle if it becomes unusable due to accidental damage; • returning your motor vehicle to your home address in the United Kingdom after repair. This is subject to our written consent. The payment will be made to: • you; or • the legal owner of the motor vehicle if owned by someone else or is subject to a hire purchase agreement, unless the owner specifically agrees otherwise. Parts We or the repairer may use parts which have not been supplied by the manufacturer. Repair Guarantee We will provide a guarantee on repair quality carried out on your motor vehicle by our approved repairer for as long as your motor vehicle is continuously insured with us by you and maintained in a roadworthy condition. If a valid contract of insurance is no longer held with us, we will continue to guarantee the repair quality carried out on your motor vehicle by our approved repairer for a period of three years from the date of completion of the repairs or for the remainder of the original manufacturer’s warranty for your vehicle if greater than three years, subject to you continuing to own the vehicle. All parts fitted to your motor vehicle by our approved repairer will be covered for the duration of the guarantee provided by the part manufacturer/supplier. Not Covered by Section 3 For exclusions refer to EXCLUSIONS FOR SECTION 2 & 3 and GENERAL EXCLUSIONS EXCLUSIONS FOR SECTIONS 2 & 3 We will not pay for: • more than the market value at the time of accident or loss if your motor vehicle or accessories or spare parts are damaged beyond economical repair. • more than the last list price of parts no longer available. • loss or damage caused by theft or attempted theft whilst the vehicle is left unattended, unless all the doors, windows and other openings are closed or locked, and the motor vehicle’s keys and any door or ignition unlocking devices are removed and the vehicle’s electronic or mechanical devices are set. • loss of or damage to your motor vehicle, if at the time of the incident, it was taken without your consent being driven by or used by someone in your family or someone who is living with you (this exclusion does not apply if the person driving is reported to the police for taking your motor vehicle without your permission). • any loss or damage up to the amount which appears on your schedule as an excess. • Loss or damage arising as a result of “road rage” or a deliberate act by you or any person driving the insured motor vehicle with your permission; • Loss of or damage to your motor vehicle if you or anyone named on the certificate of motor insurance was driving under the influence of drink or drugs or is convicted of an offence involving drink or drugs as a result of the incident; • Loss of or damage to the contents of the insured motor vehicle, including but not limited to, personal belongings, telephones, television equipment, two way radio transmitters or receivers or money, or goods, tools or samples carried in connection with any trade or business; • Loss of or damage to your motor vehicle through deception, fraud or repossession, or due to any government, public or local authority legally taking, keeping or destroying your motor vehicle; • Loss of or damage to your motor vehicle caused by an inappropriate type of fuel being used; • Loss of or damage to any trailer, caravan or vehicle, or their contents, whilst being towed by your motor vehicle; • Depreciation, wear and tear, or loss of value due to repair; • Mechanical, electrical, electronic or computer faults, failures, breakdowns, breakages or malfunctions; • Damage to tyres caused by braking, punctures, cuts or bursts; • Loss of use, earnings or any other indirect loss. • We will not pay under the Repair Guarantee for damage arising from deterioration, wear and tear or parts and/or component failures. • Any loss, damage or liability when your motor vehicle is taken outside the United Kingdom for any reason other than a visit of no more than 30 days in any one trip and 60 days in total in any one period of insurance.

Accidental Damage Cover. What is Covered If your motor vehicle is damaged, we will either pay (subject to the deduction of any excess): • for the repair of the damage; • the current market value of your motor vehicle (the damaged vehicle will then belong to us); the cash value of any lost or stolen part; • no more than the last list price of parts no longer available as new. In addition, we will pay the reasonable cost of: • protecting your motor vehicle if it becomes unusable due to accidental damage; • returning your motor vehicle to your home address in the United Kingdom after repair. This is subject to our written consent. The payment will be made to: • you; or • the legal owner of the motor vehicle if owned by someone else or is subject to a hire purchase agreement, unless the owner specifically agrees otherwise. Parts We or the repairer may use parts which have not been supplied by the manufacturer. Repair Guarantee We will provide a guarantee on repair quality carried out on your motor vehicle by our approved repairer for as long as your motor vehicle is continuously insured with us by you and maintained in a roadworthy condition. If a valid contract of insurance is no longer held with us, we will continue to guarantee the repair quality carried out on your motor vehicle by our approved repairer for a period of three years from the date of completion of the repairs or for the remainder of the original manufacturer’s warranty for your vehicle if greater than three years, subject to you continuing to own the vehicle. All parts fitted fitted to your motor vehicle by our approved repairer will be covered for the duration of the guarantee provided by the part manufacturer/supplier. Not Covered by Section 3 For exclusions refer to EXCLUSIONS FOR SECTION 2 & 3 and GENERAL EXCLUSIONS EXCLUSIONS FOR SECTIONS 2 & 3 We will not pay for: • more than the market value at the time of accident or loss if your motor vehicle or accessories or spare parts are damaged beyond economical repair. • more than the last list price of parts no longer available. • loss or damage caused by theft or attempted theft whilst the vehicle is left unattended, unless all the doors, windows and other openings are closed or locked, and the motor vehicle’s keys and any door or ignition unlocking devices are removed and the vehicle’s vehicles electronic or mechanical devices are set. • loss of or damage to your motor vehicle, if at the time of the incident, it was taken without your consent being driven by or used by someone in your family or someone who is living with you (this exclusion does not apply if the person driving is reported to the police for taking your motor vehicle without your permission). • any loss or damage up to the amount which appears on your schedule as an excess. • Loss or damage arising as a result of “road rage” or a deliberate act by you or any person driving the insured motor vehicle with your permission; • Loss of or damage to your motor vehicle if you or anyone named on the certificate of motor insurance was driving under the influence of drink or drugs or is convicted of an offence involving drink or drugs as a result of the incident; • Loss of or damage to the contents of the insured motor vehicle, including but not limited to, personal belongings, telephones, television equipment, two way radio transmitters or receivers or money, or goods, tools or samples carried in connection with any trade or business; • Loss of or damage to your motor vehicle through deception, fraud or repossession, or due to any government, public or local authority legally taking, keeping or destroying your motor vehicle; • Loss of or damage to your motor vehicle caused by an inappropriate type of fuel being used; • Loss of or damage to any trailer, caravan or vehicle, or their contents, whilst being towed by your motor vehicle; • Depreciation, wear and tear, or loss of value due to repair; • Mechanical, electrical, electronic or computer faults, failures, breakdowns, breakages or malfunctions; • Damage to tyres caused by braking, punctures, cuts or bursts; • Loss of use, earnings or any other indirect loss. • We will not pay under the Repair Guarantee for damage arising from deterioration, wear and tear or parts and/or component failures. • Any loss, damage or liability when your motor vehicle is taken outside the United Kingdom for any reason other than a visit of no more than 30 days in any one trip and 60 days in total in any one period of insurance.

Accidental Damage Cover. What is Covered If your motor vehicle is damaged, we will either pay (subject to the deduction of any excess): •  for the repair of the damage; •  the current market value of your motor vehicle (the damaged vehicle will then belong to us); the cash value of any lost or stolen part; •  no more than the last list price of parts no longer available as new. In addition, we will pay the reasonable cost of: •  protecting your motor vehicle if it becomes unusable due to accidental damage; •  returning your motor vehicle to your home address in the United Kingdom after repair. This is subject to our written consent. The payment will be made to: •  you; or •  the legal owner of the motor vehicle if owned by someone else or is subject to a hire purchase agreement, unless the owner specifically agrees otherwise. Parts We or the repairer may use parts which have not been supplied by the manufacturer. Repair Guarantee We will provide a guarantee on repair quality carried out on your motor vehicle by our approved repairer for as long as your motor vehicle is continuously insured with us by you and maintained in a roadworthy condition. If a valid contract of insurance is no longer held with us, we will continue to guarantee the repair quality carried out on your motor vehicle by our approved repairer for a period of three years from the date of completion of the repairs or for the remainder of the original manufacturer’s warranty for your vehicle if greater than three years, subject to you continuing to own the vehicle. All parts fitted to your motor vehicle by our approved repairer will be covered for the duration of the guarantee provided by the part manufacturer/supplier. Not Covered by Section 3 For exclusions refer to EXCLUSIONS FOR SECTION 2 & 3 and GENERAL EXCLUSIONS EXCLUSIONS FOR SECTIONS 2 & 3 We will not pay for: •  more than the market value at the time of accident or loss if your motor vehicle or accessories or spare parts are damaged beyond economical repair. •  more than the last list price of parts no longer available. •  loss or damage caused by theft or attempted theft whilst the vehicle is left unattended, unless all the doors, windows and other openings are closed or locked, and the motor vehicle’s keys and any door or ignition unlocking devices are removed and the vehicle’s electronic or mechanical devices are set. •  loss of or damage to your motor vehicle, if at the time of the incident, it was taken without your consent being driven by or used by someone in your family or someone who is living with you (this exclusion does not apply if the person driving is reported to the police for taking your motor vehicle without your permission). •  any loss or damage up to the amount which appears on your schedule as an excess. •  Loss or damage arising as a result of “road rage” or a deliberate act by you or any person driving the insured motor vehicle with your permission; •  Loss of or damage to your motor vehicle if you or anyone named on the certificate of motor insurance was driving under the influence of drink or drugs or is convicted of an offence involving drink or drugs as a result of the incident; •  Loss of or damage to the contents of the insured motor vehicle, including but not limited to, personal belongings, telephones, television equipment, two way radio transmitters or receivers or money, or goods, tools or samples carried in connection with any trade or business; •  Loss of or damage to your motor vehicle through deception, fraud or repossession, or due to any government, public or local authority legally taking, keeping or destroying your motor vehicle; •  Loss of or damage to your motor vehicle caused by an inappropriate type of fuel being used; •  Loss of or damage to any trailer, caravan or vehicle, or their contents, whilst being towed by your motor vehicle; •  Depreciation, wear and tear, or loss of value due to repair; •  Mechanical, electrical, electronic or computer faults, failures, breakdowns, breakages or malfunctions; •  Damage to tyres caused by braking, punctures, cuts or bursts; •  Loss of use, earnings or any other indirect loss. •  We will not pay under the Repair Guarantee for damage arising from deterioration, wear and tear or parts and/or component failures. •  Any loss, damage or liability when your motor vehicle is taken outside the United Kingdom for any reason other than a visit of no more than 30 days in any one trip and 60 days in total in any one period of insurance.

Accidental Damage Cover. What is Covered If your motor vehicle is damaged, we will either pay (subject to the deduction of any excess): • for the repair of the damage; • the current market value of your motor vehicle (the damaged vehicle will then belong to us); the cash value of any lost or stolen part; • no more than the last list price of parts no longer available as new. In addition, we will pay the reasonable cost of: • protecting your motor vehicle if it becomes unusable due to accidental damage; • returning your motor vehicle to your home address in the United Kingdom after repair. This is subject to our written consent. The payment will be made to: • you; or • the legal owner of the motor vehicle if owned by someone else or is subject to a hire purchase agreement, unless the owner specifically agrees otherwise. Parts We or the repairer may use parts which have not been supplied by the manufacturer. Repair Guarantee We will provide a guarantee on repair quality carried out on your motor vehicle by our approved repairer for as long as your motor vehicle is continuously insured with us by you and maintained in a roadworthy condition. If a valid contract of insurance is no longer held with us, we will continue to guarantee the repair quality carried out on your motor vehicle by our approved repairer for a period of three years from the date of completion of the repairs or for the remainder of the original manufacturer’s warranty for your vehicle if greater than three years, subject to you continuing to own the vehicle. All parts fitted fitted to your motor vehicle by our approved repairer will be covered for the duration of the guarantee provided by the part manufacturer/supplier. Not Covered by Section 3 For exclusions refer to EXCLUSIONS FOR SECTION 2 & 3 and GENERAL EXCLUSIONS EXCLUSIONS FOR SECTIONS 2 & 3 We will not pay for: • more than the market value at the time of accident or loss if your motor vehicle or accessories or spare parts are damaged beyond economical repair. • more than the last list price of parts no longer available. • loss or damage caused by theft or attempted theft whilst the vehicle is left unattended, unless all the doors, windows and other openings are closed or locked, and the motor vehicle’s keys and any door or ignition unlocking devices are removed and the vehicle’s electronic or mechanical devices are set. • loss of or damage to your motor vehicle, if at the time of the incident, it was taken without your consent being driven by or used by someone in your family or someone who is living with you (this exclusion does not apply if the person driving is reported to the police for taking your motor vehicle without your permission). • any loss or damage up to the amount which appears on your schedule as an excess. • Loss or damage arising as a result of “road rage” or a deliberate act by you or any person driving the insured motor vehicle with your permission; • Loss of or damage to your motor vehicle if you or anyone named on the certificate of motor insurance was driving under the influence of drink or drugs or is convicted of an offence involving drink or drugs as a result of the incident; • Loss of or damage to the contents of the insured motor vehicle, including but not limited to, personal belongings, telephones, television equipment, two way radio transmitters or receivers or money, or goods, tools or samples carried in connection with any trade or business; • Loss of or damage to your motor vehicle through deception, fraud or repossession, or due to any government, public or local authority legally taking, keeping or destroying your motor vehicle; • Loss of or damage to your motor vehicle caused by an inappropriate type of fuel being used; • Loss of or damage to any trailer, caravan or vehicle, or their contents, whilst being towed by your motor vehicle; • Depreciation, wear and tear, or loss of value due to repair; • Mechanical, electrical, electronic or computer faults, failures, breakdowns, breakages or malfunctions; • Damage to tyres caused by braking, punctures, cuts or bursts; • Loss of use, earnings or any other indirect loss. • We will not pay under the Repair Guarantee for damage arising from deterioration, wear and tear or parts and/or component failures. • Any loss, damage or liability when your motor vehicle is taken outside the United Kingdom for any reason other than a visit of no more than 30 days in any one trip and 60 days in total in any one period of insurance.3