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| 1 | +# Part A: Loss and damage |
| 2 | + |
| 3 | +## What is covered |
| 4 | + |
| 5 | +1. Loss of or damage to your car or spare parts |
| 6 | + |
| 7 | +If your car, accessories or spare parts are lost, stolen or damaged, we will: |
| 8 | + |
| 9 | +- repair the damage; |
| 10 | +- replace what is lost or damaged and is too expensive to repair; or |
| 11 | +- pay you the cost of the loss or damage. |
| 12 | + |
| 13 | +We can choose which of these actions we will take for any claim we agree to and the repairer can use parts that have not been produced by the vehicle manufacturer. |
| 14 | + |
| 15 | +If your car is damaged, we will use one of our recommended repairers to repair it. If you choose not to use them, we may not pay more than our recommended repairer would have charged and we may choose to settle the claim by a financial payment. Following damage to your car, we may move your car to a place of safe and free storage pending settlement of any claim. |
| 16 | + |
| 17 | +If you cannot use your car because of loss or damage that is insured under this policy, we will also pay the reasonable cost of protecting your car and taking it to our nearest recommended repairer. After the repair, we will pay the reasonable cost of delivering your car to your address in the UK. |
| 18 | + |
| 19 | +Where your car is not recovered following a theft or is beyond economical repair we will pay you the market value of your car, including accessories and spare parts at the time they are lost, stolen or damaged. |
| 20 | + |
| 21 | +If we settle a claim as a total loss, we will then take ownership of your car. |
| 22 | + |
| 23 | +Accessories and spare parts of your car, which are in your private garage at the time of their loss or damage, will also be covered. |
| 24 | + |
| 25 | +## New car replacement |
| 26 | + |
| 27 | +If during the period of one year after the first registration as new your car is: |
| 28 | + |
| 29 | +- stolen and not recovered; or |
| 30 | +- damaged so that repairs will cost more than 60% of the manufacturer's price list (including taxes and the cost of accessories) at the time of the loss or damage; |
| 31 | + |
| 32 | +and provided your car is owned by you then we will replace your car with a new one of the same make, model and specification. |
| 33 | + |
| 34 | +Provided that: |
| 35 | +- one is available |
| 36 | +- you and anyone else we know who has a financial interest in your car agree. |
| 37 | + |
| 38 | +If your car is recovered before a new replacement is ordered and the cost of repairs are less than 60% of the manufacturers list price, we will do one of the following: |
| 39 | + |
| 40 | +- repair the damage |
| 41 | +- replace what is lost or damaged beyond economical repair or |
| 42 | +- pay you cash for the amount of the loss or damage. |
| 43 | + |
| 44 | +## Courtesy car |
| 45 | + |
| 46 | +Following a claim under Part A – Loss and damage, you will be provided with the use of a courtesy car whilst your car is |
| 47 | +--- |
| 48 | +Part A: Loss and damage continued |
| 49 | + |
| 50 | +undergoing repair, subject to the repairer's terms and conditions. A courtesy car is not available in respect of: |
| 51 | + |
| 52 | +- claims where your car is identified as being beyond economical repair |
| 53 | +- claims where your car has been stolen and has not been recovered |
| 54 | +- claims where a recommended repairer has not been used |
| 55 | +- losses which occur outside of the UK. |
| 56 | + |
| 57 | +2 Glass damage |
| 58 | + |
| 59 | +We will pay for the repair or replacement of glass in windows or windscreens (including panoramic windscreens) in your car and scratching of the bodywork caused by the glass breaking. |
| 60 | + |
| 61 | +If this is the only damage you claim for, your no claim discount will not be affected. |
| 62 | + |
| 63 | +Our windscreen supplier can use parts that have not been produced by the vehicle manufacturer. |
| 64 | + |
| 65 | +If you choose not to use one of our approved repairers we will limit the amount we pay under this section to £175. |
| 66 | + |
| 67 | +3 Audio – visual equipment and in-car entertainment systems |
| 68 | + |
| 69 | +We will pay for loss or damage to your car's permanently fitted in-car navigational equipment, car phones, radios, CD players, cassette players, games consoles or any other audio or visual equipment. Removable equipment is covered if it can only be used whilst it is attached to your car and is designed to be totally or partially removed. |
| 70 | + |
| 71 | +- If the equipment was fitted by the manufacturer of your car and was part of the standard specification of your car when it was first registered then we will provide unlimited cover for the loss or damage of the equipment. |
| 72 | +- If the equipment was not fitted by the manufacturer of your car or the equipment was not part of the standard specification of your car when it was first registered then the maximum we will pay for the loss or damage of the equipment is £500. |
| 73 | + |
| 74 | +4 Replacement locks |
| 75 | + |
| 76 | +If the keys, lock transmitter or entry card for the keyless entry system of your car are lost or stolen, we will pay up to £1,000 towards the cost of replacing: |
| 77 | + |
| 78 | +- The door and boot locks |
| 79 | +- The ignition and steering locks |
| 80 | +- The lock transmitter; and |
| 81 | +- The entry card |
| 82 | +- Any other device designed and made by the manufacturer to access and start your car |
| 83 | + |
| 84 | +Providing you report the loss to the police within 24 hours of discovering the loss. |
| 85 | + |
| 86 | +5 Medical expenses |
| 87 | + |
| 88 | +If you, your driver or any of your passengers are injured in an accident involving your car, we will pay medical expenses, which can include physiotherapy if you ask us to and we agree to provide the treatment, of up to £250 for each injured person. |
| 89 | + |
| 90 | +6 Hotel expenses and alternative transport |
| 91 | + |
| 92 | +In the event that your car is not road worthy following an accident and you have reported a claim under Part A – Loss and damage (subsection 1), we will pay up to a maximum of £250 in the event |
| 93 | + |
| 94 | +15 |
| 95 | +--- |
| 96 | +# Part A: Loss and damage continued |
| 97 | + |
| 98 | +that you can not complete your planned journey to cover: |
| 99 | + |
| 100 | +- overnight accommodation, including the cost of meals and drinks, for the driver and passengers of your car; or |
| 101 | +- public transport for the driver and the passengers of your car to return to your home or your original planned destination. |
| 102 | + |
| 103 | +- Recovery of your car, the driver and up to 6 passengers to the nearest repairer to drain and flush the fuel tank. |
| 104 | +- Replenishing the fuel tank with 10 litres of the correct fuel. |
| 105 | +- Damage to your car engine caused solely and directly by misfuelling. |
| 106 | + |
| 107 | +For damage to the engine, the excess shown in your schedule under accidental damage will apply. |
| 108 | + |
| 109 | +## 7 Child car seats |
| 110 | + |
| 111 | +If your car is fitted with any child car seats, we will pay up to £300 for their replacement with the same or similar model following an accident covered by this policy. We will pay for the replacement whether or not visible damage has been caused to the child car seat. |
| 112 | + |
| 113 | +You should purchase the replacement seat and we will reimburse you on presentation of the receipt. |
| 114 | + |
| 115 | +A £75 excess applies in respect of claims for draining and flushing the fuel tank. |
| 116 | + |
| 117 | +Claims for misfuelling should be supported by original receipts and a written report from the specialist who drained or recovered your car. |
| 118 | + |
| 119 | +## 8 Misfuelling |
| 120 | + |
| 121 | +If you or any named driver accidentally fill your car with the wrong fuel please do not start the engine. Please call us on our claims line as soon as possible. If your car is subject to misfuelling during the period of insurance we will pay up to a maximum of £250 per claim for: |
| 122 | + |
| 123 | +- Drainage and flushing of the fuel tank on site using a specialist roadside vehicle. Or |
| 124 | + |
| 125 | +### Driver excesses |
| 126 | + |
| 127 | +If your car or any of its accessories or spare parts are damaged while your car is being driven by a driver as shown in the table below, you will have to pay this additional amount, on top of any other excess shown in your schedule, towards any claim. |
| 128 | + |
| 129 | +An inexperienced driver is someone who holds a provisional driving licence, or has held a full driving licence for less than 12 months. |
| 130 | + |
| 131 | +If we pay the inexperienced driver excess, you will have to repay that amount to us as soon as possible. |
| 132 | + |
| 133 | +| Age of driver | Level of experience | Excess | |
| 134 | +| ------------------------------ | ------------------- | ------ | |
| 135 | +| 25 years and over | Inexperienced | £100 | |
| 136 | +| 21 years to 24 years inclusive | Experienced | £150 | |
| 137 | +| 21 years to 24 years inclusive | Inexperienced | £200 | |
| 138 | +| 17 years to 20 years inclusive | All drivers | £500 | |
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