Certificate of Motor Insurance - Queen's University Belfast
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Certificate of Motor Insurance
Policy number 4199094
1. Description of vehicle(s)
Any motor vehicle the property of the policyholder or in their custody or control (including temporary hired vehicles)
and for which they are legally responsible.
2. Name of policyholder
The Queen's University of Belfast
3. Effective date and time of the commencement of insurance for the purpose of the relevant law
01 August 2021 00:01
4. Date of expiry of insurance
31 July 2022
5. Persons or classes of persons entitled to drive
Any person who is driving on the order or with the permission of the policyholder.
Providing that the person driving has a licence to drive the vehicle or has held and is not disqualified from or
prohibited by law from holding or obtaining such a licence.
6. Limitations as to use
Use for social, domestic and pleasure purposes and for the business of the policyholder
Unless specified under section 6 of this certificate of insurance, this policy does not cover: use for hiring, the letting
on hire, the carriage of passengers and goods for hire or reward, racing, pacemaking, use in any contest, reliability or
speed trial or the use for any purpose in connection with the motor trade.
I hereby certify that the policy to which this certificate of insurance relates satisfies the requirements of the relevant law
applicable in Great Britain, Northern Ireland, Isle of Man and the Islands of Guernsey, Jersey and Alderney.
For and on behalf of the Underwriter subscribing ERS, 21 Lombard Street, London, EC3V 9AH
Authorised Insurer
Martin Hall
Active Underwriter
Advice to third parties - Nothing contained in this certificate of insurance affects your rights as a third party to
make a claim.
Note: For full details of the insurance cover reference should be made to the policy document, which can be obtained
from your broker or via our website at www.ers.com
ERSCERT1215 Certificate of Insurance Page 1 of 2This page forms part of your certificate of insurance European cover This certificate of motor insurance is evidence that this insurance meets the compulsory motor insurance requirements of all member countries of the European Union and Andorra, Iceland, Norway, Serbia and Switzerland (including Liechtenstein). Ce certificat d'assurance automobile est une preuve que cette assurance est conforme aux exigences de l'assurance automobile obligatoire de tous les pays membres de l'Union européenne et l'Andorre, l'Islande, la Norvège, la Serbie et la Suisse (y compris le Liechtenstein). Dieses Zertifikat der Kfz-Versicherung ist ein Beweis, dass diese Versicherung die Kfz Haftpflichtversicherungs anforderungen von allen Mitgliedsländern der Europäischen Union und Andorra, Island, Norwegen, Serbien und der Schweiz (einschließlich Liechtenstein) erfüllt. Este certificado de seguro de automóviles es evidencia de que este seguro cumpla con los requisitos de seguro obligatorio de automóviles de todos los países miembros de la Unión Europea y Andorra, Islandia, Noruega, Serbia y Suiza (incluido Liechtenstein). Questo certificato di assicurazione auto è la prova che questa assicurazione soddisfa i requisiti di assicurazione obbligatoria degli autoveicoli di tutti i paesi membri dell'Unione europea e Andorra, Islanda, Norvegia, Serbia e Svizzera (compreso il Liechtenstein). ERSCERT1215 Certificate of Insurance Page 2 of 2
Farmers Plan
Renewal Invite
Policy number 4199094
Broker agency number 13414 Scheme 954
Broker Instructions
Please send your renewal instructions to agricultureuw@ers.com
Policy details
Policyholder The Queen's University of Belfast
Address University Road, Belfast, BT7 1NN
Commencement date and time 01 August 2021 00:01
Expiry date 31 July 2022
Premium
Premium (excluding IPT) £19,911.00
IPT £2,389.32
Total premium due £22,300.32
Vehicle details
Registration / Chassis Year of
Make & model Vehicle Type Numbers CC GVW Value Cover Class of use Annual rate per vehicle
number manufacture
(excl. IPT)
AGRICULTURAL VEHICLES Agricultural 6 ALL Comprehensive Education £302.00
COMMERCIAL VEHICLES NOT
LCV 23 ALL 3500 Comprehensive Education £433.00
EXCEEDING 3.5 TOMS GVW
MINIBUS Minibus 1 ALL Comprehensive Education £994.00
PRIVATE CAR Private Car 12 ALL Comprehensive Education £578.00
LEGAL EXPENSES Private Car 1 ALL Comprehensive Education £210.00
Permitted drivers
Registration / Chassis number Driver restrictions
ALL Any Driver
ALL Any Driver
ALL Any Driver
ALL Any Driver
ALL Any Driver
Vehicle excess details
An excess is the amount you must pay in the event of any claim, regardless of who is to blame for an incident. However, there may be additional excess terms
applied highlighted below in Additional excesses for young or inexperienced drivers, or shown in the attached Schedule of Endorsements.
Total excess Windscreen excess
Registration / Chassis
Repair by ERS approved Replacement by ERS Use of non-approved ERS
number Accidental damage Fire & theft Agricultural vehicles*
supplier approved supplier supplier
ALL £500 £500 £10 £75 £125 £50
ALL £500 £500 £10 £75 £125 £50
ALL £500 £500 £10 £75 £125 £50
ALL £500 £500 £10 £75 £125 £50
ERS Syndicate 218 at Lloyd’s is managed by ERS Syndicate Management Limited (company no. 00426475), which is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (firm reference no. 204851). ERS Syndicate Management Limited is registered in England and Wales with its registered
address at 21 Lombard Street, London, EC3V 9AH.
RNLINV1215 Renewal Invitation - Page 1 of 2ALL £500 £500 £10 £75 £125 £50
*regardless of which company carries out the repair or replacement
Additional excesses for young or inexperienced drivers
If your vehicle is damaged while a young or inexperienced person (including yourself) is driving, you will have to pay the first
amount of any claim as shown below. This is on top of any other excess that you may have to pay.
Drivers Amount
Under 21 £300
Aged 21 to 24 £200
25 or over who has a provisional driving licence or has not held, for 12 months £200
or more, a full driving licence issued by any country which is a member of the
European Union
These amounts do not apply if the loss or damage is caused by fire or theft.
Important notes
This renewal invitation is based on the information held at the time and date of issue. Any change to this information may affect
the premium and terms offered.
Any changes to your existing terms or a change to your cover and benefits will be shown on the Schedule of Endorsements and/or
Notice to Policyholder attached to this invitation. You can obtain a copy of the latest policy document from the documents section
on our website, www.ers.com.
You must tell us immediately about any changes to the information you have already provided. Please contact your broker if you
are not sure if the information is relevant. If you don’t tell us about relevant changes, your insurance may not cover you fully, or at
all. Here are some examples of the changes you should tell us about:
A change of vehicle (including extra vehicles and any temporary vehicles).
All changes you or anyone else make to your vehicle if these make your vehicle different from the manufacturer’s standard
specification (whether the changes are mechanical or cosmetic).
A change of address.
A change of job, including any part-time work by you or other drivers, a change in the type of business or having no work.
A change in the purpose which you use your vehicle for.
A new main user of your vehicle.
Details of any driver you have not told us about before, or who is excluded by the certificate of motor insurance or an
endorsement, but who you now want to drive.
Details of any motoring conviction, disqualification or fixed-penalty motoring offence of any person allowed to drive or of any
prosecution pending (where a case is being investigated but there is no conviction yet) for any motor offence.
Details of any non-motor conviction or prosecution pending (where a case is being investigated but there is no conviction yet) for
any person allowed to drive.
Details of any accident or loss (whether or not you make a claim) involving your vehicle or that happens while you are driving or
in charge of anyone else’s vehicle.
If any driver suffers from a disability or medical condition that must be revealed to the DVLA, whether the driving licence has
been restricted or not.
Policy wordings: Please go to the web page www.ers.com to view the policy wording by selecting documents from the menu.
RNLINV1215 Renewal Invitation - Page 2 of 2Notice To Policyholder ERS Policy Wording updates since the last renewal: The cyber coverage under your policy has been updated. Please refer to the “Liability to others” and “Loss of or damage to your vehicle” sections for details. Please check that the value of your vehicle(s) you have provided to us is correct for the forthcoming policy period. If in doubt, please seek appropriate advice. Also please refer to any endorsements that are applicable to your policy as they may have been revised. ERS Syndicate 218 at Lloyd’s is managed by ERS Syndicate Management Limited (company no. 00426475), which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no. 204851). ERS Syndicate Management Limited is registered in England and Wales with its registered address at 21 Lombard Street, London, EC3V 9AH. NTP 1020 (L) Notice to policy holders - Page 1 of 1
Farmers Plan
Schedule of Endorsements
Policy number 4199094
Effective date and time 01 August 2021 00:01
ENDORSEMENTS APPLICABLE
Where a value is shown below, this refers to information relevant to an endorsement such as, but not restricted to, an excess
amount, driver or security device.
ENDORSEMENTS APPLICABLE TO SPECIFIC VEHICLES
Registration / Endorsement
Vehicle type Description Value Specified driver(s)
Chassis number number
Damage, fire and theft
All vehicles 001 500
excess
Unauthorised movement of
All vehicles 253
third party vehicles
Corporate manslaughter
All vehicles 713
£5m
Trailer cover attached or
All vehicles D77
detached
Commercial scale bonus -
All vehicles Z41
subject to renewal
All vehicles Z75 Motor legal expense cover
ENDORSEMENT APPENDIX
001 - Damage, fire and theft excess
We will not pay the first amount shown in the schedule for any claim under section 2 of your policy document.
This endorsement will not apply to claims made for windscreen damage only, and the amount shown is on top of any other
amount which you may have to pay under this insurance.
253 - Unauthorised movement of third party vehicles
We will insure you under Section 1 - Liability to others - if a claim arises because an employee of yours, moves without
authority, a vehicle not belonging to you or to the employee, to allow parking, loading or unloading or free passage of vehicles
owned by, hired or loaned to you. We will insure the vehicle that is moved for accidental damage when it is moved for the above
reasons.
713 - Corporate manslaughter £5m
If we first agree in writing, we will pay under Section 1 - Liability to others costs for legal services, up to £5,000,000, to defend
anyone we insure against a prosecution for corporate manslaughter. We will only pay these legal fees if they arise from an
accident that is covered by this insurance.
D77 - Trailer cover attached or detached
Sections 1 and 2 of your policy document (Liability to others and Loss of or damage to your vehicle) are extended to apply to any
trailer which is attached to or detached from your vehicle, provided that the value of the trailer does not exceed £5,000.
If the trailer is detached from your vehicle, cover will only apply if,
the trailer is fitted with a security device which is in operation when the trailer is not in use; and
the trailer is securely parked with the brakes on.
ERS Syndicate 218 at Lloyd’s is managed by ERS Syndicate Management Limited (company no. 00426475), which is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (firm reference no. 204851). ERS Syndicate Management Limited is registered in England and Wales with its registered
address at 21 Lombard Street, London, EC3V 9AH.
MVS1215 Endorsement schedule - Page 1 of 2We are not liable for the loss of or damage to any contents in or on the trailer. Z41 - Commercial scale bonus - subject to renewal Subject to this insurance being renewed for a further period of 12 months the following bonus scale applies: If the total claims do not exceed 50% of the gross adjusted premium a 5% rebate will be made calculated on the nett premium paid for renewal of this insurance. Z75 - Motor legal expense cover This insurance has been extended to include Motor Legal Expense cover as provided in the additional Motor Legal Expenses policy booklet. MVS1215 Endorsement schedule - Page 2 of 2
Farmers Plan Statement of Fact Quote reference Broker agency number 13414 Scheme 954 Effective date 01 August 2021 These are the details supplied by you and form part of your contract of insurance. If the details are correct there is no need to take any further action. However, you should store this document in a safe place for future reference. If any details are incorrect or incomplete, please contact your broker and notify them of any errors. If the risk remains acceptable they will issue a further statement of fact showing the correct details. If you provide false or incorrect information, withhold information or fail to inform us of any errors, your policy could be cancelled or declared void or we may refuse to pay a claim. You, the proposer Name of proposer The Queen's University of Belfast Postal address University Road, Belfast Postcode BT7 1NN Telephone number Email address Business or trade University Nature of business Cover operative for 12 months from Time 00:01 Date 01 August 2021 Additional information Data protection notice Please read this notice carefully as it contains important information about the details you will give or have given us. You should show this notice to anyone covered by this insurance. ERS Syndicate Management Limited is the data controller in respect of your personal information. We will process the details you have given us in line with the UK’s Data Protection laws and any other laws that apply. We may work with partner organisations and service providers who are located in other countries, and as a result your information may be processed outside the European Economic Area. In all cases we will make sure that your information is adequately protected. The UK’s Data Protection laws classify information about your medical conditions and criminal convictions as ‘special category’ personal data. We will use this information to assess your request for insurance, to administer your insurance contract and to deal with any claims. We share information with other insurers, certain government organisations and other authorised organisations for the purpose of insurance underwriting, preventing or detecting fraud, managing claims and managing complaints. However, we will only share ‘special category’ personal data where it is essential for these purposes. You can find more information about how we use your personal information on our website: www.ers.com/policy-pages/privacy-policy If you have any questions please contact the Data Protection Officer at 21 Lombard Street, London, EC3V 9AH or at dpo@ers.com FPSOF1215R Statement of Facts - Page 1 of 2
Important notes
1.I/We declare that the answers given (on which the underwriters will rely when deciding whether to accept the risk and in fixing the premium) are true to the
best of my/our knowledge and belief and that no information has been withheld. I/We also agree that if another person has given any information on this
form, he or she acted as my/our agent for this purpose. I/We hereby consent to any information you may have about me/us being processed in accordance
with the data protection notice on this form.
2.At your request a copy of this completed form will be supplied to you, provided the request is made within a period of three months after its completion.
3.Underwriters liability does not operate until acceptance has been notified or a Cover Note delivered to the Insured. If the Proposal should disclose any special
features the Underwriters may quote special terms and they reserve the right to decline a proposal.
4.Details of full policy terms can be supplied on request.
5.Unless such person(s) have been declared to the Underwriters and given permission to drive under this policy, I/we undertake that the vehicle(s) will not be
driven by any person(s) who to my/our knowledge:
a) has been refused any motor vehicle insurance or continuance thereof.
b) suffers from any disability (including any physical or mental condition) that is notifiable to the DVLA.
c) has during the last 5 years been convicted of any of the following motor offences: vehicular manslaughter, causing death by dangerous driving, dangerous
driving, driving under the influence of drink or drugs, failing to stop after an accident, any offence or combination of offences which resulted in suspension
from driving.
d) has a non-motor conviction(s) or prosecution(s) pending (where a case is being investigated but there is no conviction yet) that must be legally declared.
Motor insurance database
Information about your insurance policy will be added to the Motor Insurance Database (MID) which is managed by the Motor Insurers’ Bureau (MIB). Certain
government or authorised organisations including the police, the DVLA, the DVLNI, the Insurance Fraud Bureau and other organisations allowed by law may use
the MID and the information stored on it for purposes including Continuous Insurance Enforcement (you can get information about this from the Department of
Transport), electronic vehicle licensing, law enforcement for the purposes of preventing, detecting, catching or prosecuting offenders and providing government
services or other services aimed at reducing the level of uninsured driving. If you are involved in a road-traffic accident (either in the UK, the EEA or certain other
territories), insurers or the MIB (or both) may search the MID to gather relevant information. Anyone making a claim for a road-traffic accident (including their
appointed representatives and citizens of other countries) may also gather relevant information which is held on the MID. It is vital that the MID holds your
correct registration number. If it is not shown correctly on the MID, you are at risk of having your vehicle seized by the police. You can check that your correct
registration number details are shown on the MID at www.askmid.com.
ERS Syndicate 218 at Lloyd’s is managed by ERS Syndicate Management Limited (company no. 00426475), which is authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no. 204851). ERS Syndicate Management
Limited is registered in England and Wales with its registered address at 21 Lombard Street, London, EC3V 9AH.
FPSOF1215R Statement of Facts - Page 2 of 2Farmers Vehicle Insurance
Insurance Product Information Document
This insurance is underwritten by ERS (Syndicate 218 at Lloyd’s) which is registered in the UK. ERS Syndicate
Management Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and Prudential Regulation Authority. Registered number: 204851.
This document provides a summary of the key information. It does not contain the full terms and conditions; these can be
found in your policy document. You can find your policy document at www.ers.com.
What is this type of insurance?
Comprehensive cover – You are covered for loss or damage caused by accidental damage, fire, theft and third party
liability cover.
What is insured? What is not insured?
Whilst driving your vehicle you will be covered for Your policy excesses as shown in policy
any one claim or claims arising out of one incident documentation.
following:
Property damage up to £20,000,000 for all vehicles; Compensation for not being able to use your
Property damage costs/expenses up to vehicle.
£5,000,000;
Legal costs up to £35,000; Loss or damage by theft or attempted theft if left
Prosecutions against Health & Safety up to unlocked, the keys left in or on your vehicle, left
£1,000,000. with the windows/roof panel open or reasonable
precautions not been taken to protect your vehicle.
Third Party Cover for driving other vehicles is Damage to your tyres unless caused by an
provided when shown on your motor certificate. accident to your vehicle.
Loss of or damage to your vehicle as shown in Any accessories not permanently attached to your
your schedule for accidental damage, fire and theft. vehicle.
We will either cover your costs to repair, pay a cash
amount to replace or replace the lost or damaged Loss or damage due to wear and tear, failures,
item. The most we will pay for the loss of or damage breakdowns or breakages of mechanical,
to your vehicle is up to the value shown on your electrical or computer equipment.
schedule.
Damage to your windscreen or windows is Loss or damage to your vehicle as a result of
provided. deception.
Medical expenses for you or anyone who is injured Loss or damage covered by another insurance
while they are in your vehicle as a result of an accident policy.
up to £500.
Personal Accident cover for the driver of any Loss of fuel.
insured vehicle, if involved in an accident and within
three months of that accident it is the only cause of Vehicle taken without consent by a member of
death or injury. The most we will pay for death, loss your immediate family or a person living in your
of one or more limbs or permanent loss of sight in home, unless that person is convicted of theft.
one or both eyes is £10,000.
Personal belongings lost or damaged in or on your N.B. Please refer to your policy wording for full
vehicle caused by an accident, fire, theft or attempted terms and conditions.
theft up to £500.
Loss of keys and replacing locks for your vehicle if
lost or stolen and have not been recovered up to
£1,000.
Unauthorised use of the vehicle or unlicensed driver(s).
ERS Syndicate 218 at Lloyd's is managed by ERS Syndicate Management Limited (company no.00426475), which is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no.204851). ERS Syndicate
Management Limited is registered in England and Wales with its registered address at 21 Lombard Street, London, EC3V 9AH.
Insurance Product Information Document - Page 1 of 2Are there any restrictions on cover?
! Endorsements may apply to your policy, these will be shown in your policy documents.
! If a claim is made which you or anyone acting on your behalf knows is false, fraudulent, exaggerated, or provides
false or stolen documents to support a claim we will not pay the claim and cover under this insurance will end.
! Where the driving other vehicles benefit applies, the vehicle you are driving must be insured in its own right.
Where am I covered?
We will provide the minimum insurance needed by the relevant law for up to 60 days while you are using your
commercial vehicles or private cars in the European Union, Andorra, Iceland, Norway, Serbia or Switzerland
(including Liechtenstein).
Your permanent home must be in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man and your
visit to these countries must be temporary.
We can provide full policy cover when you travel abroad or additional countries for which we have agreed to.
What are my obligations?
- Your premium is based on the information you gave at the start of the insurance and when it is renewed. If you
have failed to give us complete and accurate information, this could lead to us changing the terms of your policy,
refusing your claim or the insurance not being valid.
- In the event of a claim or possible claim:
You will need to pay the agreed excess as shown in your schedule.
You must notify us as soon as possible of the incident happening.
- Windscreen excesses:
If your windscreen is replaced by our approved supplier, you must pay the first £75 of any claim.
If your windscreen is repaired by our approved supplier, you must pay the first £10 of any claim.
If your windscreen is repaired or replaced by any other company, you must pay the first £125 of any claim.
For agriculture vehicles, you must pay the first £50 of any claim.
- You must not admit to, negotiate on or refuse any claim unless you have our permission.
- You must tell us immediately about any changes to the information you have already provided. Please contact
your broker if you are not sure if information is relevant. If you don’t tell us about relevant changes, your
insurance may not cover you fully, or at all.
When and how do I pay?
- For full details of when and how you pay, you need to contact your broker directly.
When does the cover start and end?
- Your insurance is a 12 month contract which may be renewed each year. Renewal will be subject to the terms and
conditions that apply at the time of renewal.
- Your Insurance cover start and end dates will be shown on your policy schedule and certificate of motor insurance.
How do I cancel the contract?
- You may cancel the insurance at any time by informing your broker.
- If you change your mind about this insurance, you must advise us within 14 days of the start date. Provided your
vehicle has not been subject of a claim, we will make a charge equal to the period of cover you have had, but this
charge will be subject to a minimum amount of £25 plus Insurance Premium Tax.
Yes
ERS Syndicate 218 at Lloyd's is managed by ERS Syndicate Management Limited (company no.00426475), which is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference no.204851). ERS Syndicate
Management Limited is registered in England and Wales with its registered address at 21 Lombard Street, London, EC3V 9AH.
Insurance Product Information Document - Page 2 of 2Your policy document ¦ Ref er ence ACFE1020
Far mer s
[Type here]Your policy document Welcom e t o your ERS policy docum ent . To know exact ly what your insurance covers wit h us, please m ake sure t o read t his I f y ou have any quest ions about your cover, please cont act your broker direct ly. This insurance is writ t en in English and any com m unicat ions we send t o you about it will be in English. The law of England and Wales will apply t o t his cont ract unless: ▪ You and we agree ot herwise or ▪ At t he st art dat e of t he cont ract y ou are a resident of (or in t he case of a business, t he regist ered office or principal place of business is in) t he Channel I slands or t he I sle of Man, in which case t he law of t hat area of juri sdict ion will apply Our agr eement your insur ance The inform at ion you or your represent at ive have supplied has been relied upon by us in offering t he cont ract of insurance. This policy docum ent , cert ificate of m ot or insurance, schedule, any schedule of endorsem ent s form t he cont ract of insurance bet ween you (t he insured) and us (ERS). You should read all part s of t he cont ract as one docum ent . Please rem em ber t o read t he cont ract carefully, including all t erm s, condit ions and except ions t o ensure it m eet s your needs. The cont ract does not give, or int end t o give, right s t o any one else. No-one else has t he right t o enforce any part of t his Signed for and on t he behalf of ERS Mart in Hall Act ive Underwrit er About ERS Regulat ion Aut horit y and regulat ed by t he Financial Conduct Aut horit y and t he Prudent ial Regulat ion Aut horit y. (Regist ered num ber 204851). ERS Syndicat e Managem ent Lim it ed is regist ered in England and Wales num ber 426475. The regist ered office is: 21 Lom bard St reet , London, EC3V 9AH ERS POLICY DOCUMENT NUMBER ACFE 1020 2
Contents Def init ions 4 What t o do if you need t o mak e a claim 5 Cover 7 Sect ion 1 Liabilit y t o ot her s 8 Sect ion 2 Loss of or damage t o your vehicle 11 Sect ion 3 For eign use 16 Sect ion 4 Medical ex penses 16 Sect ion 5 Per sonal accident benef it s 16 Sect ion 6 Per sonal belongings 17 Sect ion 7 Loss of k eys and r eplacement lock s 17 Sect ion 8 Unaut hor ised use 17 Sect ion 9 Unlicensed dr iver s 17 Gener al t er ms 18 Gener al ex cept ions 19 Gener al condit ions 21 Complaint s 24 Impor t ant not ices and inf or mat ion 25 ERS POLICY DOCUMENT NUMBER ACFE 1020 3
Def initions
The key words and t erm s t hat we use in t his docum ent .
▪ Accessories - part s added t o your vehicle t hat do not affect it s perform ance
▪ Approved repairer - a m ot or vehicle repairer which is a m em ber of our approved repairer net work and is aut horised by us
t o repair t he insured vehicle aft er a valid claim under Sect ion 2 of t his insurance
▪ Certificate of motor insurance - a docum ent which is legal evidence of your insurance and which form s part of t his
docum ent , and which y ou m ust read wit h t his docum ent
▪ Courtesy car - a Group B (sm all st andard privat e car) or PV1 (sm all car-derived van or sim ilar) vehicle loaned t o you by our
approved repairer whilst t he insured vehicle is being repaired aft er a valid claim un der Sect ion 2 of t his insurance
Note: A courtesy car is intended to keep you mobile. It is not necessarily a like for like replacement of your vehicle. All
courtesy cars are subject to t he driver meeting t he terms and conditions of hire from t he approved repairer
▪ Endorsement - a change in t he t erm s of t he insurance which replaces t he st andard insurance wording, and is print ed on, or
issued wit h, t he current schedule and current schedule of endorsem ent s
▪ ERS - his cont ract . Each underwrit er is only legally
and t he share of t he risk each has t aken on
▪ Excess - a cont ribut ion by you t owards a claim under t his insurance
▪ Market value - t he cost of replacing your vehicle wit h anot her one of t he sam e m ake, m odel and specificat ion and of
sim ilar age, m ileage and condit ion at t he t im e of an accident or loss
▪ Period of insurance - t he period of t im e covered by t his insurance (as shown on t he schedule) and any furt her period f or
which we accept your prem ium
▪ Road - any place which is a road for t he purpose of any com pulsory m ot or insurance law t hat operat es in t he Unit ed
Kingdom
▪ Schedule - t he docum ent showing t he vehicle we are insuring and t he cover which applies
▪ United Kingdom - England, Scot land, Wales, Nort hern I reland, t he I sle of Man and t he Channel I slands
▪ We, us - ERS
▪ You -
renewal not ice applying t o t his insurance
▪ Your vehicle, the insured vehicle - any vehicle shown on t he schedule or described on t he current cert ificat e of m ot or
insurance (and under sect ion 1 only, an at t ached caravan or t railer)
− Agricultural vehicle - a vehicle (including quad bike and m echanically propelled special plant ) used solely for
agricult ural or forest ry purposes
− Art iculated vehicle - a com m ercial vehicle m ade up of a power uni t and one or m ore sem i-t railers
− Bus - a passenger carry ing vehicle wit h 17 or m ore passenger seat s
− Car - any privat e car, est at e car or ut ilit y car, but excluding t axi
− Coach - a passenger carry ing vehicle wit h 17 or m ore passenger seat s
− Commercial vehicle, HGV, (Heavy Goods Vehicle) LCV, (Light Goods Vehicle) Lorry - any m ot or vehicle ot her t han
a car, coach, m inibus or m ot orcy cle. agricult ural vehicle, art iculat ed vehicle, bus, m ot or caravan, t axi, t rade pl at e
− Mot or caravan a vehicle designed prim arily for leisure purposes t hat m eet t he requirem ent s of t he DVLA
classificat ion, which includes: a t able; and fixed: cupboard; sleeping accom m odat ion; wat er and cooking facilit ies
− Mot orcycle - any m ot orcycle, m ot orcy cle and sidecar or m oped
− Minibus - a vehicle wit h bet ween 9 and 16 passenger seat s in addit ion t o t he driver
− Taxi a car used prim arily as a t ool of t rade for t he purpose of t ransport ing fare pay ing passengers for reward
− Trade plate
roads by a regist ered Mot or Trader
ERS POLICY DOCUMENT NUMBER ACFE 1020 4− Trailer - a t railer, sem i-t railer or cont ainer used for carrying goods but which cannot be driven it self, and any
agricult ural m achine or t ool designed t o be at t ached t o an agricult ural vehicle. (This does not include a
m echanically driven vehicle)
What to do if you need to mak e a claim
Nobody likes having t o m ake a claim . But by following t hese t wo sim ple st eps y ou can m ake sure it goes sm oot hly:
▪ You m ust t ell us about any pot ent ial claim at t he earliest opport unit y. I f applicable, and it is safe t o do so, please call us
from t he scene of t he accident
▪ Take phot ographs of any dam age t o t he vehicles involved
Claims and windscreen helpline 0330 123 5991
▪ Call t his num ber if you need t o report an accident , fire, t heft or windscreen claim (if applicable)
▪
as soon as possible
▪ I f y our claim is due t o t heft , at t em pt ed t heft , m alicious dam age or vandalism , y ou should also not ify t he Police and obt ain
a crim e reference num ber
You can count on us for all this:
▪ A m arket -leading cust om er experience
▪ A specialist t eam t o handle y our claim
▪ A net work of approved suppliers t o get you back on t he road quickly
▪ Fraud prevent ion t o keep your prem ium s low
▪ Posit ive handling of t hird-part y claim s t o keep cost s down
▪ Sophist icat ed t ools t o help claim s go sm oot hly
Repairing your vehicle
I f y our insurance covers dam age t o your vehicle, we can t alk you t hrough t he opt ions for get t ing it repaired.
▪
▪
▪ Repairs will be carried out by a garage in our approved repairer
▪ An expert claim handler will m anage your claim for you
We want t o get you back on the road as soon as possible.
Keeping your vehicle safe
Please m ake sure your vehicle is locked and t he keys are in a saf e place.
unaut horised person if:
▪ I t was left unlocked or
▪ I t was left wit h t he keys (or any form of key less ent ry / ignit ion cont rol device), in or on it or
▪ I t was left wit h t he windows, roof panel or t he roof of convert ible vehicle open (if your vehicle has t hese) or
▪ Reasonable precaut ions were not t aken t o prot ect it
ERS POLICY DOCUMENT NUMBER ACFE 1020 5I f someone makes a claim against you There are a few sim ple st eps y ou can t ake t o t ry t o reduce t he am ount of any claim against you, and t o prot ect yourself against fraudulent claim s. ▪ Their nam e, address and cont act num ber ▪ The regist rat ion num ber and m ake and m odel of t heir vehicle ▪ Their i Take phot os of: ▪ Any dam age t o t heir vehicle ▪ Any dam age t o y our own vehicle ▪ The scene of t he accident so Make a note of: ▪ Any injuries t o anyone involved ▪ The num ber of passengers in t he ot her vehicle ▪ The nam e, address and cont act num ber of any wit nesses ▪ The nam e and num ber of any police officer who at t ends t he scene of t he accident ▪ Any unusual behaviour from t he ot her person and t he direct ion t hey t ake when t hey leave t he scene ERS POLICY DOCUMENT NUMBER ACFE 1020 6
Cover
The insurance cover you have
Your schedule shows you what cover you have. The different t ypes of cover are list ed below t oget her wit h t he sect ions of t he
policy t hat apply.
Accident al
Accident al
Dam age & Third part y Third Part y
Sect ion nam e Com prehensive Dam age Fire Fire & Theft
Third part y Fire & Theft Only
& Theft
Only
Sect ion 1 - Liabilit y t o ot hers
Sect ion 2 - Loss of or dam age t o
your vehicle
Accident al dam age -------------------
Malicious dam age ---------------------
Fire ---------------------------------------
Flood -------------------------------------
Theft -------------------------------------
Vandalism ------------------------------
Windscreen -----------------------------
Sect ion 3 - Foreign Use
Sect ion 4 - Medical expenses
Sect ion 5 - Personal accident
Sect ion 6 - Personal belongings
Sect ion 7 - Loss of keys and
replacing locks
Sect ion 8 - Unaut horised use
Sect ion 9 - Unlicensed drivers
Cert ain part s of t his docum ent only apply t o cert ain t ypes of vehicle. This will be clearly shown in t he t it le of t he sect ion or
sub-sect ion concerned.
The General Term s, Condit ions and Except ions apply t o all sect ions of t he policy .
I MPORTANT: You can only have Accident al Dam age Fire & Theft cover and Fire & Theft cover if your vehicle is declared SORN
(officially off t he road) wit h t he DVLA and is not being used.
ERS POLICY DOCUMENT NUMBER ACFE 1020 7Section 1 Liability to other s Driving your vehicle We will provide insurance for any accident y ou have while you are driving, using or in charge of your vehicle or while you are loading or unloading it . We will insure you for all am ount s you m ay legally have t o pay for causing deat h or injury t o ot her people. The m ost we will pay for propert y dam age is £20,000,000 for any claim or claim s arising out of one incident . We will pay up t o £5,000,000 for any cost s and expenses arising out of a claim or claim s arising from one incident . I f t here is a propert y dam age claim m ade against m ore t han one person covered by t his insurance, we will first deal wit h any claim m ade against you. Driving other cars We will also provide t he cover shown above (if t his is shown in your cert ificat e of m ot or insurance), t o drive any p rivat e car t hat you do not own and have not hired under a hire- perm ission t o drive t he privat e car. You are not insured against : ▪ Any loss or dam age t o t he vehicle you are driving ▪ Any event which happens out side of t he Unit ed Kingdom ▪ Any legal responsibilit y if you no longer have t he insured vehicle ▪ Any event which happens when t his insurance is not in t he nam e of an individual person ▪ Any legal responsibilit y unless t he vehicle is insured against t hird part y road risks, in it s own right or ▪ Securing t he release of a vehicle t hat has been seized by or on behalf of t he police or any public or local aut horit y Other people driving or using your vehicle I n t he sam e way you are insured, we will also cover t he following people: ▪ Any person you allow t o drive or use your vehicle, as long as t his is allowed by your current cert ificat e of m ot or insurance and has not been excluded by an endorsem ent , except ion or condit ion ▪ Any passenger who has an accident while t ravelling in or get t ing int o or out of t he insured vehicle, as long as you ask us t o cover t he passenger Legal personal represent atives Aft er t he deat h of anyone who is covered by t his insurance, we w long as t he claim is covered by t his insurance. Business use (private cars only) I f y our cert ificat e of m ot or insurance allows business use, we will insure your em ployer or business part ner ag ainst t he vehicle provided by t he em ployer or part ner unless t hat vehicle is shown in your schedule. Cover for principals As far as is necessary t o m eet t he requirem ent s of any agreem ent or cont ract ent ered int o by you for t he perform ance of work, we will insure t he principal at your request - provided t he principal com plies wit h t he t erm s and condit ions of t his insurance in so far as t hey can apply. ERS POLICY DOCUMENT NUMBER ACFE 1020 8
Cont ingent liability
We will insure you while an em ployee of yours uses, on y our business, a vehicle you do not own or have supplied as long as:
▪ You have given express perm ission for t he vehicle t o be used on your business
▪ You have
giving you cover for such use and
▪ There is no cover provided by any ot her insurance
We will not be liable:
▪ For any loss or dam age t o such vehicle or
▪ To cover any person driving such vehicle
Joint liabilit y
I f t his docum ent is in t he nam e of m ore t han one person, we will cover each person as if we had sent an individual docum ent
t o each. We will cover each against t he liabilit y of t he ot her, as long as t he liabilit y, loss or dam age is not covered by any
ot her insurance.
Unauthorised movement
We will insure you in respect of any accident caused by, t hrough or in connect ion wit h t he m ovem ent of any m ot or vehicle
not belonging t o you and not in your cust ody or cont rol, as long as t he vehicle is prevent ing your vehicle from passing and:
▪ I s being m oved by an em ployee of yours
▪ I s being m oved in connect ion wit h y our business
▪ I s not t he propert y of t he em ployee m oving it and
▪ I s not covered by any ot her insurance covering such accident , dam age or loss
Legal cost s
I n respect of any event which is covered under t his Sect ion, if we first agree in writ ing, we will arrange and pay:
▪ Up t o £35,000 t owards your legal fees and expenses for defending legal proceedings, including appeals, and
▪ Up t o £1,000,000 t owards t he cost of any prosecut ion awarded against you arising from any healt h -and-safet y enquiry or
crim inal proceedings for breaking t he:
• Healt h and Safet y at Work Act 1974
• Healt h and Safet y at Work (Nort hern I reland) Order 1978 or
• Corporat e Manslaught er and Corporat e Hom icide Act 2007
We will not provide t his cover:
▪ Unless t he proceedings relat e t o an act ual or alleged act , failure t o act or accident t hat happens during t he period of
insurance wit hin t he Unit ed Kingdom and in connect ion wit h y our business
▪ Unless t he proceedings relat e t o an act ual or alleged act , failure t o act or accident arising from you, or a person on y our
behalf using, or you having or owning, a m ot or vehicle or t railer where com pulsory insurance or securit y is required by t he
Road Traffic Act
▪ For any proceedings which result from your deli berat e act or failure t o act or
▪ Where cover is provided by any ot her policy
Emergency medical treatment
Where we m ust provide cover under t he Road Traffic Act , we will pay for em ergency m edical t reat m ent t hat is needed aft er
an accident involving any vehicle which t his insurance covers.
This cover only applies in t he Unit ed Kingdom and where we m ust provide it under t he Road Traffic Act s.
ERS POLICY DOCUMENT NUMBER ACFE 1020 9Towing
Under t his sect ion we will insure you while any vehicle covered by t his insurance is t owing a caravan, t railer or a broken -down
vehicle (as allowed by law).
We will only provide t his cover if:
▪ The caravan, t railer or broken-down vehicle is properly secured t o your vehicle by t owing equipm ent m ade for t he purpose
and
▪ The m et hod of t owing t he caravan, t railer or broken-
lim it s and any ot her relevant law
We will not pay any claim arising from :
▪ Loss of or dam age t o t he t owed caravan, t railer or broken-down vehicle
▪ Loss of or dam age t o any propert y being carried in or on t he t owed caravan, t railer or broken -down vehicle
▪ A caravan, t railer or broken-down vehicle being t owed for reward
▪ Towing m ore t railers t han t he num ber allowed by law or
▪ I f m ore t han one caravan or broken-down vehicle is being t owed at any one t im e
Cyber Liabilit y Cover
We will pay any am ount s you m ay legally have t o pay subject t o t he lim it s st at ed under Sect ion 1 for causing deat h or bodily
injury t o ot her people, or propert y dam age, due t o:
1. The use of, or failure of, any applicat ion, soft ware or program m e in connect ion wit h y our vehicle (including any driver
assist ance, safet y or securit y syst em s);
2. Any com put er virus, ransom ware, code or soft ware affect ing any elect ronic sy st em s fit t ed t o your vehicle by t he original
vehicle m anufact urer;
3. Any t hreat , decept ion or hoax relat ing t o 1 and/or 2 above;
subject t o t he t erm s, condit ions, lim it at ions and exclusions of t his policy .
Ex ceptions to Section 1
This sect ion of your insurance does not cover t he following:
1. Anyone who can claim for t he sam e loss from any ot her insurance
2. Loss of or dam age t o propert y belonging t o (or in t he care of) anyone we insure and who is m aking a claim u nder t his part
of t he insurance
3. Deat h of or bodily injury t o any person arising out of and in t he course of t heir em ploy m ent by t he p olicyholder or by any
ot her person claim ing under t his insurance. This does not apply if we need t o provide cover due t o t h e requirem ent s of
relevant laws
4. Any legal responsibilit y, unless we need t o provide t he m inim um insurance required by t he Road Traffi c Act , for claim s for
deat h, injury , illness, loss or dam age t o propert y arising direct ly or indirect ly from pollut ion or cont am inat ion unless
caused by a sudden ident ifiable unint ended and unexpect ed event
This except ion:
▪ Relat es t o cont am inat ion or pollut ion caused direct ly or indirect ly by any subst ance, liquid, vapour or gas leaking or being
released and
▪ I ncludes cont am inat ion or pollut ion of any building or ot her st ruct ure, wat er, land or t he air
We will not pay for claim s arising direct ly or indirect ly from cont am inat ion or pollut ion if it is caused by any subst ance, liquid,
vapour or gas being deliberat ely released or leaks caused by t he failure t o m aint ain or repair your vehicle, or any part of i t .
5. Deat h, bodily injury or dam age arising as a result of loading or unloading your vehicle som ewhere ot her t han on t he road
by anyone apart from t he driver or at t endant
6. Deat h, bodily injury or dam age arising out of crop spraying
ERS POLICY DOCUMENT NUMBER ACFE 1020 10Section 2 Loss of or damage to your vehicle This cover only applies to your vehicle We will insure your vehicle against loss or dam age (less any excess t hat applies) caused by: ▪ Accident al or m alicious dam age, flood dam age or vandalism ▪ Fire, light ning, self-ignit ion and explosion or ▪ Theft or at t em pt ed t heft , or t aking your vehicle away wit hout your perm ission For a claim under this section we will, at our absolute discret ion, either: ▪ Pay for t he dam age t o be repaired ▪ Pay an am ount of cash t o replace t he lost or dam aged it em or ▪ Replace t he lost or dam aged it em The most we will pay will be either: ▪ The UK m ainland m arket value of your vehicle as det erm ined by us, im m ediat ely before t he loss; up t o t he value shown on your schedule or ▪ The am ount it would cost us t o repair your vehicle at an ERS approved repai rer or as ot herwise agreed by our appoint ed engineer whichever is less. We will not pay t he cost of any repair or replacem ent which im proves your vehicle or accessories t o a bet t er condit ion t han t hey were in before t he loss or dam age. I f t his happens, y ou m ust m ake a cont ribut ion t owards t he cost of repair or replacem ent . We will not pay t he VAT elem ent of any claim if you are regist ered for VAT. Excesses I f an excess is shown on y our schedule, y ou have agreed t o pay t hat am ount for each incident of loss or dam age. I f m ore t han one vehicle is insured on your policy and t hey are involved in t he sam e incident , t he excess shown on your schedule will apply t o each vehicle separat ely. Windscreen damage (comprehensive cover only) You m ay t he window or windscreen. The helpline num ber is 0330 123 5991 This benefit does not apply t o dam aged sun roofs, roof panels, light s or reflect ors whet her glass or plast ic. The following excesses apply t o a windscreen claim but t here is no lim it on t he cost of t he windscreen: ▪ I f y our windscreen is replaced by our approved supplier, y ou m ust pay t he first £75 of any claim ▪ I f y our windscreen is repaired by our approved supplier, y ou m ust pay t he first £10 of any claim ▪ I f y our windscreen is repaired or replaced by any ot her com pany, y ou m ust pay t he first £125 of any claim ▪ indows, including bodywork scrat ched by t he breakage, it will not affect your no claim bonus Agricultural vehicles ▪ You m ust pay t he first £50 of any claim regardless of which com pany carries out t he repair or replacem ent ERS POLICY DOCUMENT NUMBER ACFE 1020 11
Extra excesses for young or inexperienced drivers
I f y our vehicle is dam aged while a y oung or inexperienced driver (including yourself) is driving, y ou will have t o pay t he fi rst
am ount of any claim as shown below. This is on t op of any ot her excess t hat you m ay have t o pay .
Drivers Amount
Under 21 years of age £300
Aged 21 t o 24 years £200
Aged 25 years or over who has a provisional driving licence or has not held, for 12 £200
m ont hs or m ore, a full driving licence issued by any count ry which is a m em ber of
t he European Union.
These am ount s do not apply if t he loss or dam age is caused by fire or t heft or where t he insured vehicle is an agricult ural
vehicle.
Recovery and redelivery
Aft er any claim under t his sect ion we will pay t he cost of m oving your vehicle from t he place where t he dam age happened t o
t he prem ises of t he nearest com pet ent repairer. We will also pay t he cost of delivering your vehicle back t o y ou in t he Unit ed
Kingdom aft er repair.
Do not t ry t o m ove your vehicle yourself i f t his could increase t he dam age. I f unnecessary dam age is caused as a result of
your at t em pt s t o m ove your vehicle, we will not pay any ext ra cost arising from t hat dam age.
All arrangem ent s for st orage of a dam aged vehicle m ust be agreed by us. I f you arrange st orage wit hout our prior knowledge
and consent we will not pay any ext ra cost arising from t hat arrangem ent where t his is great er t han t he cost we negot iat e
wit h our approved supplier.
Repairs
I f y our vehicle is dam aged in any way which is covered by t his insurance, y ou should cont act us im m ediat ely . We can, if you
wish, organise for our approved repairers t o repair your vehicle.
Where using our approved repairer for t he repair of your vehicle, and your vehicle does not exceed 3.5 t onne gross veh icle
weight our approved repairer will:
▪ Guarant ee t he repairs for 5 y ears
▪ Endeavour t o use original equipm ent m anufact urer part s/equipm ent where feasible
▪ Supply you wit h a court esy car for t he durat ion of t he vehicle repair or unt il your policy expires, whichever is t he
sooner (where t he vehicle involves is covered com prehensively)
I f y our vehicle cannot be driven safely, y ou should allow us t he opport unit y of m oving it t o t he prem ises of an approved
repairer or repairer of your choice if previously agreed by us.
I f repairs are com plet ed wit hout our prior knowledge and consent t his m ay affect t he am ount we pay in final set t lem ent of
your claim . I n all circum st ances, anyone conduct ing repairs t o an insured vehicle should ret ain t he following for our
inspect ion:
▪ A fully cost ed est im at e
▪ All dam aged part s and
▪ I m ages of t he dam aged areas of t he insured vehicle
I f y ou fail t o provide all request ed inform at ion, docum ent at ion and evidence of claim dam age, we reserve t he right not t o
pay for dam ages under t his Sect ion.
I f y ou choose t o not use our approved repairer, we will not :
▪ Be responsible for any delays incurred by t he repairer
▪ Guarant ee t he provision of a court esy car
▪ Guarant ee t he repairs
▪ Guarant ee t he use of original equipm ent m anufact urer paint/part s
We m ay arrange for your vehicle t o go t o a repairer of our choice if we cannot reach an agreem ent wit h y our chosen repairer
over cost s.
I t is not our policy t o use recycled or non-original part s and equipm ent when repairing your vehicle, alt hough on occasion i t
m ay be necessary.
ERS POLICY DOCUMENT NUMBER ACFE 1020 12Total loss When deciding whet her your vehicle is a t ot al loss, we use t he Associat ion of Brit ish I nsurers (ABI ) Code of Pract ice for t he Disposal of Mot or Vehicle Salvage. We alone will det erm ine: ▪ When an insured vehicle is deem ed a t otal loss ▪ The m arket value of t he insured vehicle; and where applicable ▪ Any salvage value of t hat insured vehicle I n t he event t hat we deem your vehicle a t ot al loss, due t o it being uneconom ical t o repair or subject t o an unrecovered t heft , we will, unless y ou qualify for a new van replacem ent benefit , offer an am ount in set t lem ent of t he claim . The insurance cover for t hat insured vehicle will end when you accept t hat offer. You will not receive a refund of prem ium if your insurance ends due t o t he t ot al loss of your vehicle. I f y our insurance covers m ore t han one vehicle, cover will rem ain in force for any vehicles t hat have not been declared a t ot al loss. I f t he insured vehicle is owned by som eone else, we will discuss t he valuat ion and pay m ent s direct ly wit h t he vehicle owner rat her t han wit h y ou. recom m ended ret ail price received at t he point of purchase. Our offer will not exceed t he am ount shown on schedule. Once we have m ade a paym ent , t he insured vehicle becom es our propert y unless we agree ot herwise. Vehicles subject t o a finance agreement I f t he m arket value we place upon t he insured vehicle is equal t o or great er t han t he am ount owed t o t he finance com pany: We will pay t he finance com pany first and t hen set t le t he balance wit h t he legal owner of t he insured vehicle. I f t he m arket value placed upon t he insured vehicle is less t han t he am ount owed t o t he finance com pany: We will pay t he finance com pany t he m arket value of t he insured vehicle. You m ay be required by t he finance com pany t o pay t hem t he balance, subject t o t he t erm s of your agreem ent wit h t hem . Vehicles subject t o a lease / hire agreement No legal right to title I f t he m arket value we place upon t he insured vehicle is great er t han t he am ount owed t o t he lease / hire com pany, we will pay t hem only t he am ount of t he out st anding finance, which will set t le t he claim in full. I f t he m arket value we place upon t he insured vehicle is less t han t he am ount owed, t he am ount we pay t o t he lease / hire com pany will set t le t he claim , and you m ay be required by t he lease / hire com pany t o pay t hem t he balance, subject t o t he t erm s of your agreem ent wit h t hem . Vehicles subject t o a lease / hire agreement Legal right to title or proceeds of sale We will pay t he lease / hire com pany t he m arket value of t he vehicle, which will set t le t he claim in full. Any t ransfer of legal t it le or dist ribut ion of t he proceeds of t he vehicle should be t aken up direct ly wit h t he lease / hire com pany in line wit h t he specific t erm s of your agreem ent . Salvage Where applicable, y our vehicle will have a salvage category placed upon it , in line wit h t he ABI Code of Pract ice. Only vehicles deem ed eligible t o go back on t he road can be considered for ret ent ion. I f ret ent ion is grant ed, t he value of t he salvage, as det erm ined by us, will be deduct ed from t he set t lem ent . At t he point of pay m ent t he vehicle will becom e our propert y unless we agree ot herwise. I f y our vehicle has been subject t o an insurance writ e off (t ot al loss), y ou m ust be able t o evidence t he vehicle has been rest ored t o a roadwort hy condit ion. ERS POLICY DOCUMENT NUMBER ACFE 1020 13
I n t he event of t he insured vehicle being subject t o anot her claim , we will require docum ent ary evidence of repairs and ot her docum ent at ion as we m ay require, t o evidence, and t o sat isfy us, t hat t he insured vehicle has been m aint ained in a roadwort hy condit ion, ot herwise t he valuat ion will be affect ed. I f we ask, you m ust send us your vehicle regist rat ion docum ent (V5c), MOT cert ificate (if applicable), t he purchase receipt for t he vehicle, all keys and any ot her relevant docum ent at ion before we agree t o set t le t he claim . New vehicle replacement (commercial vehicles and cars only) I f y our vehicle is a privat e car or a com m ercial vehicle wit h a gross vehicle weight of 3.5 t onnes or less, we will replace i t wit h a new one of t he sam e m ake, m odel and specificat ion (if one is available) if it is less t han one year old from t he dat e of you buying it new and: ▪T ret ail price (including t axes) or ▪ I t is lost by t heft or is st olen and not recovered I f a vehicle is not available, we will pay an am ount equal t o t hat which was paid when y ou bought your vehicle or t he current t o us. We will only provide t his benefit if you ask for i t and anyone who has a financial int erest in t he vehicle agrees. Audio, visual, communicat ion, guidance or t racking equipment The cover provided by t his policy includes loss of, or dam age t o, perm anent ly fit t ed audio, visual, com m unicat ion, guidance or t racking equipm ent t hat form ed part of your vehicle when it was originally m ade. We will pay up t o £500 for any perm anent ly fit t ed equipm ent t hat was not part of your vehicle when it was originally m ade. We will also provide cover up t o £20,000 for accessories and spare part s (including GPS navigat ion syst em s) which relat e direct ly t o t he funct ion of your Agricult ural Vehicle. This includes cover whilst t hey are t em porarily rem oved from t he vehicle. The value of t his equipm ent m ust be included wit hin t he value of t he vehicle as declared in t he schedule. When your vehicle is being serviced The cover provided under t his sect ion will st ill apply when your vehicle is being serviced or repaired. While your vehicle is in t he hands of t he m ot or t rade for a servi ce or repair, we ignore any rest rict ions on driving or use (as shown on your cert ificate of m ot or insurance). Art iculated vehicles I f y our vehicle is art iculat ed, we will also insure any sem i -t railer against loss or dam age while it is at t ached or det ached from your vehicle, during t he course of a journey. I f t he com bined value of t he power unit and sem i -t railer is great er t han t he last t ot al value of your vehicle you t old us about (and we accept ed) we will only pay t he value shown in y our schedule. Agricultural t railers Where your vehicle is eit her: an agricult ural vehicle, a car or com m ercial vehicle, we will provide cover for any t railer whi ch is used only for agricult ural or forest ry purposes, and which is owned or cont rolled by you or for which you are legally responsible, against loss or dam age, while it is eit her at t ached t o, or det ached from , your vehicle. We will not pay any claim arising from t he following: ▪ Loss of or dam age t o any propert y bei ng carried in or on t he t railer ▪ Loss of or dam age t o any propert y being loaded on t o or unloaded from t he t railer ▪ Loss of or dam age t o any caravan or t railer carry ing liquid fuel, unless we agree ot herwise We will only provide t his cover if t he way you are t owing t he t railer keeps t o t he m a law. ERS POLICY DOCUMENT NUMBER ACFE 1020 14
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