More Than Vans Insurance

Comprehensive

Section 3 - Driving Abroad
A Cover Under This Section
We provide cover to satisfy the legal minimum insurance requirements of the countries specified in section 2 - Liability to Third Parties Sub-Section 4 Cover in the European Union Only.
B Extension of Cover
We will cover loss or damage to the Motor Vehicle but only where:
(i) You have requested the cover in advance on leaving the UK
(ii) You have provided Us with details of the Motor Vehicle to be covered
(iii) You have provided Us with details of the countries to be visited
(iv) You have provided Us with details of the length of Your stay
(v) You have provided Us with details of who will drive
(vi) You have paid an additional premium
(vii) We have provided Our consent

All you have to do is Freecall 0500 32 22 32. Your details will automatically be fed through to our Claims Centre so you do not need to make another call.
Within the hour, our service provider will be on hand to transport you, and up to five passengers, to your home or intended single destination within the UK. They will then take your vehicle to a Recommended Repairer or, if you prefer, to your home/business address, or a garage of your choice.
To help keep your business on the road, they will also arrange for you to have a FREE Replacement Vehicle for 48 hours, and arrange a specially discounted rate thereafter. This is not a courtesy vehicle, e.g. will not be available where a roadworthy vehicle is in for repair.

Section 1 - Loss or Damage to the Motor Vehicle
A Comprehensive Cover
This cover only applies if Your Schedule shows that comprehensive cover is in force
What We Cover
We cover loss of or damage to:
A) the Motor Vehicle
B) a Trailer if specified in Your Schedule
C) the windscreen and/or windows of the Motor Vehicle
Maximum Amounts For Which We Provide Cover
In respect of the Motor Vehicle We provide cover up to the following maximum amounts:
A) the Market Value
B) £20,000 or any higher amount specified in Your Schedule
whichever is the lower of a or b shown above
In respect of Audio-Visual and Communication Equipment We provide cover up to the following maximum amounts:
A) the Market Value
B) £750 or any higher amount specified in Your Schedule
whichever is the lower of a or b shown above
Claim Settlement
Provided the loss or damage is covered under Your Policy, We will settle Your claim as explained below, subject to any Policy limits and any applicable Excess:
The Motor Vehicle
Following loss of or damage to the Motor Vehicle We will:
(i) authorise repair or pay for repair to the damage where repair can be economically made Where We have offered repair but You prefer a cash settlement, We will pay You an amount equal to the amount which We would have paid had the repair been made
(ii) where the Motor Vehicle is lost and not recovered or where repair cannot be economically made, We will pay the cost of replacing the Motor Vehicle with a van of the same Market Value
C Extension of Cover
While the Motor Vehicle is in the custody of a Defined Organisation the following Exceptions and Endorsements do not apply:
A) Exceptions 1 and 2 of this Section
B) Section 6 - Exceptions Which Apply to Your Whole Policy Part B use and driving which we do not cover , Paragraphs a and c
E Hiring and Other Agreements
If We know that the Motor Vehicle is the subject of a:
A) hire purchase agreement or
B) vehicle leasing agreement or
C) other agreement
We will pay:
(i) the person or
(ii) the organisation
requiring payment under the terms of the agreement and their receipt of the payment will be a discharge of any claim under this Section
Exception 6 General Exceptions
A) We do not cover:
(i) loss of value following repair
(ii) loss of use depreciation wear and tear or mechanical electrical electronic or computer failure breakdowns or breakages
(iii) damage to tyres caused by braking or by punctures, cuts or bursts
(iv) loss or damage due to the theft or attempted theft of the Motor Vehicle while it is unattended and unlocked with the ignition key in or on the vehicle
(v) loss or theft of portable satellite navigation systems when the motor vehicle is left unattended or unoccupied unless they are stored out of sight in a locked boot or locked glove compartment
(vi) mobile telephones or other communication equipment not permanently fitted in nor designed solely for use in the motor vehicle
B) We do not cover loss by deception

If your van is either stolen, or + immobilised/unroadworthy due to an accident, fire, attempted theft or vandalism, within the UK, in order to provide practical help when you need it most we have arranged the following services:
- FREE 24hr Emergency Helpline - 0500 32 22 32
- FREE 24hr Accident Recovery Service (UK)
- FREE 48hr Replacement Vehicle (which can be enhanced with the 7 day Replacement Vehicle Extension*)
+ By immobilised/unroadworthy we mean:
Incapable of movement or illegal to use on a Public Highway due to the vehicle's damaged condition.
(N.B. A driver must be 23-70 years old with a minimum full licence for 12 months).
All you have to do is call 0845 300 4006 to register your claim. Alternatively, outside office hours, Freecall 0500 32 22 32 where your details will be fed through to our Claims Centre so you do not need to make another call.
Within the hour, our service provider will be on hand to transport you, and up to five passengers, to your home or intended single destination within the UK. They will then take your vehicle to a Priority Repairers or, if you prefer, to your home/business address.
To help keep your business on the road, they will also arrange for you to have a FREE Replacement Vehicle for 48 hours, and arrange a specially discounted rate thereafter.
This is not a courtesy vehicle, e.g. will not be available where a roadworthy vehicle is in for repair.
* Please note the Replacement Vehicle Extension can only be taken out at inception/renewal of the policy.
However, where this extension has been purchased any additional vehicles can be added on a pro-rata basis.

7 day Replacement Vehicle Extension is available.
Please note the Replacement Vehicle Extension can only be taken out at inception/renewal of the policy. However, where this extension has been purchased any additional vehicles can be added on a pro-rata basis.

Windscreen Replacement Service
For those of you who have selected Comprehensive cover, you can take advantage of our priority service. We will repair or replace your windscreen anywhere in the country without affecting your no claim discount.
For those of you with Third Party Fire & Theft cover you can benefit from this service at a discounted rate.
Windscreen Replacement Service 0800 783 4695

In respect of Audio-Visual and Communication Equipment We provide cover up to the following maximum amounts:
A) the Market Value
B) £750 or any higher amount specified in Your Schedule
whichever is the lower of a or b shown above

F Personal Effects
If Your Schedule shows comprehensive cover is in force, if personal clothing or effects are lost or destroyed by fire, theft or accident while in or on the Motor Vehicle We will pay You or if You so wish, the owner of the property in cash to the value of loss or damage up to a limit of £150 per incident
We do not cover :
(i) Money, stamps, tickets, documents or securities
(ii) Business stock or equipment used for business purposes
(iii)Theft of any property from a pickup truck unless stolen from the cab of the Motor Vehicle

G Replacement Locks
If the Vehicle Keys of Your Motor Vehicle are lost or stolen We will pay the cost of
A) replacing the door locks and/or boot lock
B) replacing the ignition/steering lock
C) replacing the lock transmitter and central locking interface
D) re-coding or if necessary replacing the alarm system
The total amount We will pay as a result of loss or theft of Vehicle Keys will be limited to a maximum of £1,000 any one incident

We cover loss of or damage to a Trailer if specified in Your Schedule.
Exception 4 Trailers
We do not provide cover for loss or damage to Trailers detached from the Motor Vehicle unless the Trailer is specified in Your Schedule

Section 2 - Liability to Third Parties
Sub-Section 1A Cover if You are Driving
We cover You in respect of legal liabilities which You incur in respect of:
A) death of or bodily injury to any persons (including passengers)
B) loss of or damage to material property up to a limit of £5,000,000 any one claim or number of claims arising out of one cause.
C) stoppage of or interference with pedestrian vehicular rail air or waterborne traffic or escape or discharge of any substance or gas up to a limit of £5,000,000 any one claim or number of claims arising out of one cause in connection with the use of the Motor Vehicle (including loading and unloading) or an attached Trailer.
D) a Replacement Vehicle which is being used or driven in the British Isles or Republic of Ireland but only where there is no other insurance in place to cover the same liability.
Sub-Section 2 Cover for Other People
We cover the following people for legal liabilities to others in the same way that We cover You under Sub-Section 1A Cover if you are driving
A) any Permitted Driver
B) any passenger in the Motor Vehicle
C) (i) any Principal with whom You have an agreement
(ii) any Hirer of the Motor Vehicle other than under a hire purchase agreement provided that We shall not be liable in respect of liability arising from the act default or neglect of the Principal/Hirer his servant or agent
D) the legal personal representatives of any person entitled to indemnity under this Section in respect of liability incurred by that person.
Extensions to Section 2
Towing
This Policy shall operate while the Motor Vehicle is being used for the purpose of towing
A) one disabled mechanically-propelled vehicle
B) any Trailer
Provided always that the Vehicle or Trailer being towed is not towed for reward
We do not cover:
A) loss or damage to the towed vehicle or Trailer or property being conveyed by such vehicle or Trailer
B) the Motor Vehicle to which any Trailer is attached if it is drawing a greater number of trailers than is permitted by law
Exceptions to Section 2
We do not cover:
A) the legal liability of any person who is driving unless that person is a Licence Holder
B) the legal liability of any person other than the driver or attendant of the Motor Vehicle arising from loading or unloading beyond the limits of any carriageway or thoroughfare
C) the legal liability of any person:
(i) who is not driving but
(ii) who is claiming cover
if that person knows that the driver is not a Licence Holder
D) the legal liability of any person other than You if that person is entitled to cover under any other insurance policy
E) loss of or damage:
(i) to the Motor Vehicle and/or any van which is being driven under the terms of Sub-Section 1A Cover if you are driving, Paragraph b
(ii) to any property which is owned by or in the custody of the person who is making a claim under this Section
F) death of or bodily injury to any person arising out of that person's employment except as required by any road traffic legislation
G) any legal liability, except as required by any road traffic legislation, which arises from the use of any van which We cover under this Section while it is on any part of any commercial or military airport or airfield used for:
(i) the take-off, landing or movement of aircraft on the ground
(ii) aircraft parking, including any associated service roads, refuelling areas, ground equipment parking areas, aprons, maintenance areas and hangars
H) liabilities arising out of Trailers detached from the Motor Vehicle unless the Trailer is specified in Your Schedule
I) liabilities arising out of an attached Trailer if the Motor Vehicle is drawing a greater number of Trailers than is permitted by law
J) for liabilities arising out of the use of an unspecified Trailer as a tool - except as required by Road Traffic Legislation

G Medical Expenses
If Your Schedule shows comprehensive cover is in force We will, at Your request, pay medical expenses for each occupant of the Motor Vehicle who, as a direct result of an insured incident sustains bodily injury up to a limit of £200 per injured person

H Personal Accident
If Your Schedule shows comprehensive cover is in force We will pay the following benefits to the driver of the Motor Vehicle (or the drivers Legal Personal Representative) if the driver while in or getting into or out of the Motor Vehicle sustains bodily injury by accidental external violent and visible means which independently of any other cause within three months of the accident result in
(i) death
(ii) complete and permanent loss of sight of any eye
(iii)loss by severance of a limb at or above the wrist or ankle
The maximum amount We will pay in respect of any one incident will not exceed £5,000
We do not cover:
A) any person seventy five years of age or over
B) an accident in connection with which the driver sustaining the injury fatal or otherwise
(i) was convicted under Part 1 of the Road Safety Act 1967 or under Section 6 of the Road
Traffic Act 1960 or any similar drink and driving legislation in other territories or any amending legislation
(ii) was found by a post mortem examination to have a higher level of alcohol in his blood than is prescribed in the Road Safety Act 1967 or similar legislation in other territories or any amending legislation

H Personal Accident
If Your Schedule shows comprehensive cover is in force We will pay the following benefits to the driver of the Motor Vehicle (or the drivers Legal Personal Representative) if the driver while in or getting into or out of the Motor Vehicle sustains bodily injury by accidental external violent and visible means which independently of any other cause within three months of the accident result in
(i) death
(ii) complete and permanent loss of sight of any eye
(iii)loss by severance of a limb at or above the wrist or ankle
The maximum amount We will pay in respect of any one incident will not exceed £5,000
We do not cover:
A) any person seventy five years of age or over
B) an accident in connection with which the driver sustaining the injury fatal or otherwise
(i) was convicted under Part 1 of the Road Safety Act 1967 or under Section 6 of the Road
Traffic Act 1960 or any similar drink and driving legislation in other territories or any amending legislation
(ii) was found by a post mortem examination to have a higher level of alcohol in his blood than is prescribed in the Road Safety Act 1967 or similar legislation in other territories or any amending legislation

H Personal Accident
If Your Schedule shows comprehensive cover is in force We will pay the following benefits to the driver of the Motor Vehicle (or the drivers Legal Personal Representative) if the driver while in or getting into or out of the Motor Vehicle sustains bodily injury by accidental external violent and visible means which independently of any other cause within three months of the accident result in
(i) death
(ii) complete and permanent loss of sight of any eye
(iii)loss by severance of a limb at or above the wrist or ankle
The maximum amount We will pay in respect of any one incident will not exceed £5,000
We do not cover:
A) any person seventy five years of age or over
B) an accident in connection with which the driver sustaining the injury fatal or otherwise
(i) was convicted under Part 1 of the Road Safety Act 1967 or under Section 6 of the Road
Traffic Act 1960 or any similar drink and driving legislation in other territories or any amending legislation
(ii) was found by a post mortem examination to have a higher level of alcohol in his blood than is prescribed in the Road Safety Act 1967 or similar legislation in other territories or any amending legislation

Section 3 - Driving Abroad
B Extension of Cover
We will cover loss or damage to the Motor Vehicle but only where:
(i) You have requested the cover in advance on leaving the UK
(ii) You have provided Us with details of the Motor Vehicle to be covered
(iii) You have provided Us with details of the countries to be visited
(iv) You have provided Us with details of the length of Your stay
(v) You have provided Us with details of who will drive
(vi) You have paid an additional premium
(vii) We have provided Our consent

We will indemnify You and no other person in the terms of Sub-Section 1A Cover if you are driving while any Motor Vehicle not the property of or provided by You is being used in connection with Your business by any person in Your employ
We will not cover any liability
A) if there is any other insurance covering the same liability
B) for loss of or damage to the Motor Vehicle

Section 4 - Other Clauses
B No Claim Discount
Your No Claim Discount will be increased each year to the percentages shown below provided no incident occurs during the Period of Insurance which results in a claim:
NCD % AT POLICY START DATE NCD % FOLLOWING A
OR PREVIOUS RENEWAL  CLAIM-FREE YEAR
 5 or more years    5 or more years
 4 years     5 years
 3 years     4 years
 2 years     3 years
 1 year     2 years
 Nil     1 year
Your No Claim Discount will be reduced each year to the percentages shown below if an incident occurs during the Period of Insurance which results in a claim:
NCD % AT POLICY START DATE NCD % FOLLOWING A
OR PREVIOUS RENEWAL  CLAIM OR CLAIMS
     One Two Three or
     Claim Claims More Claims
 5 or more years   3 years 1 year Nil
 4 years    2 years Nil Nil
 3 years    1 year Nil Nil
 2 years    Nil Nil Nil
 1 year    Nil Nil Nil
 Nil    Nil Nil Nil

Section 8 - No Claim Discount Protection
This Section is only applicable if Your Schedule shows that it is in force.
Section 4 -'Other Clauses', Part B No Claim Discount and Part C more than one vehicle insured are replaced by the following:
A No Claim Discount Protection
If You have selected No Claim Discount Protection then Your No Claim Discount will remain at maximum following up to two at fault claims in five consecutive Periods of Insurance
Your No Claim Discount will be reduced to the percentages shown below following three or more claims in five consecutive Periods of Insurance
PROTECTED NCD % AT POLICY NCD % AFTER 3 OR MORE CLAIMS
START DATE OR PREVIOUS  IN 5 CONSECUTIVE PERIODS
RENEWAL    OF INSURANCE
      Three Claims Four Claims  More Than Four Claims
5 or more years    3 years  1 year  Nil

While We may review Your Policy cover and premium following a claim this will not affect Your No Claim Discount Protection unless there have been three or more claims in five consecutive Periods of Insurance.
Payment made for the following does not affect Your No Claim Discount Protection:
A) Emergency Treatment Fees
B) breakage of glass in:
(i) the windscreen and/or
(ii) windows where this is the only damage to the Motor Vehicle other than any scratching of bodywork resulting from the breakage
B More Than One Motor Vehicle Insured
If We cover more than one Motor Vehicle under Your Policy then Part A no claim discount protection of this Section applies separately to each Motor Vehicle

Our Incident Control Unit will provide advice and assistance to help you get your van back on the road as quickly as possible and repaired to your complete satisfaction where you have chosen COMPREHENSIVE cover. To ensure this happens we have a network of carefully chosen Priority Repairers spread throughout the country.
Our network of Priority Repairers are authorised to start work on your van as soon as they receive it. Our Motor Engineers regularly visit them to ensure that they continue to meet the required performance levels within pre-agreed costs.
The benefits of the Priority Repairer Scheme are:
- In the event of a claim you simply call our Incident Control Unit
- No need to obtain estimates
- You will be contacted by the Priority Repairer to arrange an appointment for your van to be repaired
- Your van can be collected/delivered to your home/business address free of charge
- The repairs will be completed quickly and to a high standard which includes a 3 year guarantee for all body/paintwork with the reapplication of anti-corrosion material in line with the manufacturers specification and warranty
- Your van will be returned to you in a clean and tidy condition.
In the event of a claim, please call 0845 300 4006 or outside office hours Freecall 0500 32 22 32 to access our Priority Repairers.

Section 5 - Conditions Which Apply to Your Whole Policy
A Notification of a Claim
You must notify any of the following to Us as soon as possible:
A) any incident which may give rise to a claim
B) civil or criminal proceedings
If there has been a Theft You must tell the Police as soon as possible.
We may request You to provide all details in writing together with any supporting evidence which We may reasonably require.
If any of the following documents are served on You or any other person in connection with any incident then they must be sent to Us as soon as possible:
(i) writs
(ii) summons
(iii) other legal documents
(iv) letters of claim
(v) other correspondence
You must not answer any correspondence without Our written consent We will not unreasonably withhold Our consent.
B Conduct of the Claim
You must give Us whatever information or assistance We reasonably request
You must not:
A) admit
B) deny
C) negotiate or
D) promise to pay any claim without Our written consent.
We will not unreasonably withhold Our consent.
C Fraud
If any claim is in any respect fraudulent or if any fraudulent means or devices are used by You, any other Permitted User or anyone acting on Your or their behalf to obtain benefit under Your Policy, all benefits under Your Policy will be lost.
D Alteration in Risk
You must notify Us as soon as possible of any alteration in risk which materially affects Your Policy.
Material information would include:
A) any special feature of the Motor Vehicle
B) any special use of the Motor Vehicle
C) the Motor Vehicle's location 0) the history of any driver
D) a health condition which affects any driver
or any other information which makes losses more likely to happen or makes losses more serious if they do happen.
We may re-assess Your Policy cover and premium following notification of material information.
Failure to disclose all material information may result in:
(i) the wrong terms being quoted
(ii) a claim being rejected or reduced
(iii) Your Policy being invalid
E Looking After the Motor Vehicle
You must take all reasonable precautions to keep the Motor Vehicle in a roadworthy condition. You must ensure that reasonable precautions are taken at all times to safeguard the Motor Vehicle from loss or damage.
F Annual Premium Cancellation
You may cancel Your Policy by giving Us written instructions and returning Your current Certificate of Insurance to Us.
If You cancel Your Policy We will give You a full refund of premium for any unexpired period of cover when We receive Your current Certificate of Insurance.
We may cancel Your Policy and if We do We will:
A) write to You at Your last known address (and in the case of Northern Ireland to the Department of the Environment for Northern Ireland) confirming that all cover will cease 14 days after the date of Our letter
B) give You a full refund of premium for the unexpired period of cover.
You must return Your current Certificate of Insurance to Us if We cancel Your Policy.
G Monthly Premium Cancellation
Your policy has an insurance period of twelve months and your legal contract with us is for this period.
We may have agreed to you paying your premium by monthly instalments.
If you miss a monthly premium we will send you a notice to your last known address, asking you to pay the premium you have missed. If you do not pay the premium you have missed by the date given in the notice, we will cancel all cover under your policy.
If you want to cancel the credit agreement, but not your policy, you must write to us. We will then send you a reply telling you how much you will have to pay for the rest of the insurance period. If this amount is not paid by the date given in our reply to you, then we will cancel all cover under your policy.
If you want to cancel the monthly premium instalment agreement, you should also tell your bank, building society or Girobank to cancel your direct debit arrangement.
H Other Insurance
Where a claim is covered under Your Policy, and this claim is covered by any other insurance, We will only pay Our rateable proportion.
I Subrogation
Before or after We pay a claim under Your Policy, You or any other Permitted User making a claim must, if We or our third party service provider ask:
A) take or
B) allow Us or our third party service provider to take in Your name or the name of the Permitted User
all the steps needed to enforce Your rights or those of the Permitted User against any other person, including the defence or settlement of any claim or the pursuit of a claim in any person's name. We will pay any reasonable costs and expenses involved.
J Access to the Motor vehicle
We will have free access to examine the Motor Vehicle at all reasonable times.
K Law Applicable
Unless the parties have agreed otherwise in writing any dispute concerning the interpretation of the Policy shall be governed and construed in accordance with English law and shall be resolved within the non-exclusive jurisdiction of the courts of England and Wales.

Section 6 - Exceptions Which Apply to Your Whole Policy
A Notification of a Change of Motor vehicle
If the Description of Vehicles in Your Certificate of Insurance refers to:
'Any Goods Carrying Vehicle the property of the Policyholder or supplied to him or her under a hire purchase agreement, a vehicle leasing agreement'
We do not cover a van unless:
A) We already have details of this van or
B) details are given to Us within 7 days of the date of acquiring the Motor Vehicle and We accept them
B Use and Driving Which We Do Not Cover
We do not cover any claim under any Section of Your Policy occurring while a van which We cover is being:
A) used with Your permission but is being driven or used outside the circumstances defined in Your Certificate of Insurance
B) driven by You unless You are a Licence Holder
C) driven with Your permission by any person:
(i) who is not permitted to drive in Your Certificate of Insurance or
(ii) who You know is not a Licence Holder
D) driven by or in the charge of any person under 25 years of age unless that person is named in Your Schedule.
Paragraphs a and c above of this Exception do not apply in respect of claims under Section 1 'Loss or Damage to the Motor Vehicle' when the Motor Vehicle is in the custody of a Defined Organisation.
C Liability Which Results From An Agreement
We do not cover any liability which results solely from an agreement
D Radioactive Contamination
We do not cover any:
A) loss of or damage to any property
B) legal liability
C) expense
D) consequential loss or
E) bodily injury
which is directly or indirectly caused by or arising from or contributed to by:
(i) ionising radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of any nuclear fuel
(ii) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of it
E War Risks
We do not cover any:
A) loss of or damage to any property
B) legal liability
C) expense
D) consequential loss or
E) bodily injury
which is directly or indirectly caused by or arising from or contributed to by:
(i) war, invasion, act of foreign enemy or hostilities (whether war is declared or not)
(ii) civil war rebellion, revolution, insurrection or military or usurped power
except as required by any relevant road traffic legislation
F Riot and Civil Commotion
We do not cover any consequence of riot or civil commotion occurring in Northern Ireland. We do not apply this Exception to Section 2 - 'Liability to Third Parties'
G Sonic Bangs
We do not provide cover under Section 1 - 'Loss or Damage to the Motor Vehicle' of Your Policy in respect of loss or damage which is caused by pressure waves from aircraft or other aerial devices travelling at sonic or supersonic speed.
H Pollution
We do not cover:
A) death of any person
B) bodily injury to any person or
C) damage to any property which is directly or indirectly caused by pollution or contamination unless this pollution or contamination is directly caused by an incident which occurs in its entirety at a specific time and place during the Period of Insurance and is:
(i) sudden
(ii) identifiable
(iii) unintended and
(iv) unexpected
All pollution which arises out of one incident will be considered to have occurred at the time when this incident takes place. We will not apply this Exception in circumstances where it is necessary to meet the requirements of any relevant road traffic legislation