Wrisk Driveaway Insurance

Policy Wording

Version 2.0
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1 Jan 2023

Welcome to Wrisk Driveaway – it’s great to have you with us.

Your policy is made up of several parts which must be read together as they form part of your contract. Please take time to read all parts of the policy to make sure that they meet your needs and that you understand the terms, exclusions and conditions.

The quickest way to manage your policy, view & save your documents, make a claim or chat to a member of our team is via your insurance account at https://app.wrisk.co/sign-in.

You’ll also find lots of helpful articles here which may answer your questions. Alternatively you can contact us by emailing customercare@wrisk.co.

Need to make a claim?

Our claims specialists are available 24/7 to help you on 0330 165 9774 or email claims.driveaway@wrisk.co. Read our step-by-step claims guide what to do if you have an accident.

Table of contents

  1. An explanation of your policy wording
  2. How to make a claim
  3. Important information
  4. Privacy policy
  5. The meaning of words
  6. Your core cover
  7. General exclusions
  8. General conditions

An explanation of your policy wording

Wrisk Driveaway is arranged and administered by Wrisk Transfer Limited through KGM Motor working on behalf of the Insurer.

Please note that your cover is only valid for 5 days from the date of commencement as shown on your Schedule. During and after the expiry of your 5 day policy you have the option to take advantage of our Wrisk Car Insurance policy. If you wish to do this you will be required to pay a monthly premium.

We’ve used the answers you’ve given us to arrange your insurance cover, as shown in the Schedule & Statement of Fact and this document, together with your policy Schedule and Certificate of Motor Insurance, is a legally binding contract of insurance between you and us and does not provide anyone else with rights to enforce any part of this contract.

We have agreed to insure you subject to the terms, conditions and exclusions contained within this document for the period of insurance. Please take time to read all parts of the policy to make sure that they meet your needs and that you understand the terms, exclusions and conditions. If you wish to change anything or if there is anything that you do not understand, please let us know. If you would like your documents to be sent to you in the post then please contact us at customercare@wrisk.co or through our in-app chat and we would be happy to arrange this.

This policy includes:

  • This explanation, the General Exclusions and General Conditions, which apply to all sections of the policy unless otherwise stated;
  • Core cover: the sections of the policy that are always provided;
  • The Schedule & Statement of Fact: this document includes your details and specifies any limits and endorsements applying to the policy. It also sets out the options you have chosen under the policy; and
  • The Certificate of Motor Insurance.

Please tell us if there are any changes to your circumstances which could affect your insurance. There are some changes you should tell us about before they happen, for example, if you intend to change your car or if you wish to include other drivers. Please refer to General Condition 9 of this policy.

If your circumstances change and you do not tell us, you may find that you are not covered if you need to make a claim.

In return for the premium being paid, we will insure you under the conditions of the policy for any insured incident which takes place within the territorial limits, unless we specify otherwise.

Signed on behalf of Wrisk Transfer Limited

NB Signature
Niall Barton Chairman

How to make a claim

If you have an accident

Always stop and make sure you and your passengers are safe.

If anyone is injured or the accident is blocking the road, call the emergency services.

Call our claims specialists on 0330 165 9774 (lines are open 24 hours a day, 7 days a week) who will take details of your claim.

Do not accept blame or admit responsibility for the accident.

Provide our claims specialists with the following details as soon as you can:

  • The registration number of any other vehicle involved in the accident together with the name and address of the driver;
  • Name, address, contact number, email address and insurance details of any driver who you think is responsible for causing the accident. Under the terms of the Road Traffic Act 1988 you must also provide the same details to anyone who holds you responsible;
  • Obtain the names and addresses of anyone who witnessed the accident.

If and when safe to do so, and possible, take photographs of the accident scene and damage to the vehicle(s)/property involved.

In providing accident recovery assistance the claims specialist will use reasonable care and skill when providing the service. This will include liaising closely with local authorities and emergency services in adverse weather conditions to ensure the accident recovery service can be provided when it is safe to do so.

Important information

Financial Services Compensation Scheme

In the unlikely event that we cannot meet our obligations, you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS).

Further information about compensation scheme arrangements is available at https://fscs.org.uk, by emailing enquiries@fscs.org or by phoning the FSCS on 0800 678 1100 or 0207 741 4100.

How to make a complaint

Our aim is to get it right, first time, every time. If you believe that we have not delivered the service you expected, we want to hear from you so that we can address your complaint.

If you have a complaint, please contact us at:

Wrisk Driveaway
CEME Suite 173
Marsh Way
Rainham RM13 8EU
customercare@wrisk.co

Once we have received a complaint we will acknowledge your complaint promptly and in writing and endeavour to resolve the problem within 3 working days. If we cannot do so we will let you know when an answer can be expected.

If we have not resolved the situation within 8 weeks we will provide you with our final response letter including details of the Financial Ombudsman Service.

You have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within 6 months of the date of our final response letter.

If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.

If you would like a free copy of our complaints handling procedure, please let us know.

Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
London E14 9SR
https://www.financial-ombudsman.org.uk
0800 023 4567 or 0300 123 9123
complaint.info@financial-ombudsman.org.uk

Using our complaints procedure or contacting the Financial Ombudsman Service does not affect your legal rights.

Privacy policy

A summary of how we use personal information

There are two parties who will each be a data controller for the personal data you provide, which means that they are each responsible for how they use your data and the purposes for which they use your data:

  • Wrisk Transfer Limited uses your data to manage and administer the insurance, including managing future communications between it and you and it will also use your data for marketing;
  • KGM Motor uses your data in order to underwrite the insurance.

Each party will comply with the statutory data processing requirements set out in the Data Protection Act 2018.

The information about you which each of the two parties will collect will include:

  • Basic information about you including your name and date of birth;
  • Contact details including your home address, telephone number and email address and;
  • Information about your vehicle.

For more information about how each of the parties will use your personal data, you can read their privacy policies which are available through the following links:

Your rights

You can opt out from receiving marketing communications by emailing customercare@wrisk.co.

The Data Protection Act 2018 provides you with a variety of rights concerning our use of your data. Details of those rights can be found in the three parties’ privacy policies.

Your responsibility

If you provide false or inaccurate information, and we identify that you’ve committed fraud, we may pass your details to relevant agencies to prevent fraud and money laundering.

The meaning of words

Any word or expression within the policy which has a specific meaning has the same meaning throughout the policy wherever it appears (as shown below) unless otherwise stated.

Assault
A sudden and unexpected attack by an unknown third party with deliberate intent to cause bodily injury at an identifiable time and place following a road accident within the territorial limits.
Authorised Centre
An Authorised Centre or Approved Bodyshop chosen by us in the United Kingdom.
Bodily injury
Any injury to any person which is caused by accidental means or following assault, and which within 52 weeks from the date of the road accident shall result in death, loss of limb(s) or loss of eye(s), loss of hearing, loss of speech, or permanent total disablement.
Car
A mechanically propelled vehicle, not being a motorcycle, which is intended for use on public highways, is constructed to carry no more than 8 people including the driver and is not constructed or adapted for carriage of goods.
Certificate of Motor Insurance
The document issued by us showing that the policy provides the cover you need to comply with the relevant laws in the United Kingdom, Isle of Man, Channel Islands, and mainland Europe. It shows who is entitled to drive your car and the purposes for which your car can be used.
Driver
Anyone named on the Certificate of Motor Insurance as being entitled to drive your car.
Endorsement
Changes to the terms and conditions of your policy which will be shown on your Schedule.
Excess(es)
The amount you will have to pay if you make a claim regardless of who was to blame. This will be shown on your Schedule.
Family member
Mother, father, sister, brother, wife, husband, civil partner, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child, legal guardian, common law partner (defined as living together at the same address and including same sex relationships).
Insured incident
An accident, fire, theft, attempted theft or act of vandalism which results in the immobilisation of your car.
Insured person(s)
The policyholder named on your Schedule and any other driver named in the Schedule or any passenger in your car who is not a hitch-hiker.
KGM Motor
Brand name for business written by KGM Underwriting Services Limited a managing general agent. Working on behalf of the Insurer. KGM Underwriting Services Limited is authorised and regulated by the Financial Conduct Authority, FCA Firm Reference Number 799643.
Loss of eye(s)
Permanent and total loss of sight which shall be considered as having occurred if the driver’s and/or passenger’s name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist.
Loss of hearing
Total, permanent and irrecoverable loss of hearing.
Loss of limb(s)
Permanent and complete loss of a limb or limbs by physical separation at or above the wrist or ankle or the permanent and complete loss of use of a limb or limbs.
Loss of speech
Total, permanent and irrecoverable loss of speech.
Market value
The cost of replacing your car at the time of the loss or damage taking into account its make, model, specification, age, mileage and condition. This will not exceed the estimate last supplied by you.
Medical expenses
Reasonable charges you are legally liable for in respect of first aid, dental, prosthetic devices, ambulance, hospital, rehabilitation, medical, surgery, x-ray and professional nursing service.
Modification
Any alteration to your car from the manufacturer’s standard specification. This includes cosmetic changes to bodywork such as body kits, spoilers and alloy wheels or performance changes to the suspension, brakes, exhaust or engine management system. Optional extras fitted at the point of manufacture and retailer fitted accessories are not considered modifications.
Passenger
Any person travelling in your car.
Period of insurance
The period you are covered for as shown on your Certificate of Motor Insurance.
Permanent total disablement
Disablement, caused other than by loss of limb(s), loss of eye(s), loss of hearing or loss of speech, which has lasted for 52 consecutive weeks and which will prevent the driver or passengers from engaging in gainful employment of any and every kind for the remainder of their life.
Prejudicial claim
Any claim made against your policy resulting in us making a payment which cannot be recovered in full, or an outstanding claim for which responsibility has not been decided.
Recommended repairer
A repairer authorised and chosen by us to make repairs to your car in the UK following a claim made under your policy.
Schedule
The document which includes your details and specifies any limits and endorsements that apply to your policy.
Territorial limits
The United Kingdom, the Channel Islands and the Isle of Man.
The insurer
Zurich Insurance Company Ltd is authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Firm reference number is 959113.
We, us, our
Wrisk Transfer Limited and where appropriate may include the insurer and any third party used on our behalf.
You, your
The policyholder named on the Schedule.
Your car
The car described by its registration number on your Certificate of Motor Insurance and your Schedule plus its accessories including children’s car seats, and permanently fitted audio, visual, multimedia, navigational, communication or personal computer equipment provided it is powered exclusively by your car’s electrical system.

Core cover

Section 1
Your liability to others

What’s covered

1. Cover provided for you

We will pay all the amounts you legally have to pay as a result of driving or using your car and any trailer, caravan or vehicle being towed by it if you:

  • Cause the accidental death of or bodily injury to any person;
  • Cause accidental damage to anyone’s property.

In respect of accidental damage to property, we will not pay any more than £20 million including all costs (or any higher limit provided for by local legislation in territories outside the United Kingdom but within the territorial limits) for any one occurrence or series of occurrences arising from one cause.

2. Cover provided for other people

We will provide the same cover in Clause 1 ‘Cover provided for you’ of Section 1 above to the following people:

  • Any driver named on your Certificate of Motor Insurance who is driving or using your car at the time of the insured incident;
  • Any passenger or anyone travelling in, getting into or out of your car.
3. Legal fees and expenses

If there is an accident which is covered under this policy, we may at our discretion, subject to our written agreement, arrange and pay for a solicitor or barrister to represent any insured person under this policy at a coroner’s inquest or criminal court.

4. Foreign travel

We will provide the minimum cover which is required by law in:

  • Any country which is a member of the European Union; and
  • Any other country which the Commission of the European Union approves as meeting the requirements of Article (8) of EC Directive 2009/103/EC relating to civil liabilities arising from the use of a motor vehicle.

The following list shows which countries the above currently applies to:

Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, the Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City.

What’s not covered

  • Loss of or damage to your car unless covered by another section of this policy.
  • Property belonging to (or in the care of) any insured person(s), unless covered by another section of this policy.
  • Liability caused by using your car on any part of an aerodrome, airport, airfield, or military base where aircraft can go.
  • Loss, damage or legal liability shown in the General exclusions.
  • Loss or damage to any trailer, caravan or vehicle being towed by your car.
  • Liability arising from loading or unloading any livestock being carried in a trailer whether attached or detached.

Section 2
Loss of or damage to your car

For the purposes of this section only the territorial limits are defined as the United Kingdom, Channel Islands and the Isle of Man.

What’s covered

1. Damage to your car

In the event of loss or damage (including loss or damage due to fire or theft or attempted theft) to your car, we will:

  • Pay for the damage to be repaired, up to the market value of your car; or
  • Settle your claim by making full and final payment which will not exceed the market value of your car; or
  • Where your car is not or cannot be owned by you, we will settle the claim by paying the legal owner.
2. Hire-purchase, leasing and other agreements

If we know that your car is still being paid for under a finance agreement, we will settle any claim by paying the legal owner described under that agreement.

  • We will only pay you any remaining balance if ownership of your car is to be transferred to you at the end of the hire purchase or financing agreement;
  • If your car is on a leasing agreement, or any agreement where your car is not or cannot be owned by you, we will settle the claim by paying the legal owner.

If the outstanding amount of your finance exceeds any payment made under this policy you will still be responsible for paying this.

In that event, our payment will be full and final settlement of our liability under this section of your policy.

3. Electric cars – leased batteries

In the event of loss or damage insured under this section, we may be required to make payment to the owner of your car’s battery, or batteries, if the battery is leased or hired.

4. Replacement keys and locks

If the keys, transmitter, or immobiliser key for your car are lost or stolen, we will pay up to £750 towards the cost of changing the locks and providing you with replacement keys as long as you report the loss to the police within 24 hours of discovering it.

5. Replacement car

If your car is under a year old and is either stolen and not recovered or is damaged to the extent that the cost of repair is more than 60% of the manufacturer’s last United Kingdom list price (including VAT) of an identical new car at the time of loss or damage, we will, at your request, replace your car with a new car of the same make, model and specification.

We will only do this if all the following conditions are met:

  • You have owned the car since it was first registered as new;
  • We have your permission (or the hire purchase company’s permission) to replace your car; and
  • The model is still available from an authorised centre in the United Kingdom at the time of loss or damage.

If the above conditions are not met, we will settle your claim by paying you, or where relevant the owner under your lease hire or hire purchase agreement, the equivalent cost of replacing your car with one of the same make, model, specification, age and condition.

6. Unavailable parts

If any part or accessory is not available, the most we will pay is the cost shown in the manufacturer’s last United Kingdom list price (including VAT) plus a fitting cost.

If the part is not listed in the manufacturer’s last United Kingdom list price, we will pay the cost of an equivalent part listed plus a fitting cost.

7. Salvage

If we settle your claim by replacing your car or paying you, or where relevant the owner under your lease hire or hire purchase agreement, your car will become our property.

If your car has a personalised registration, you may retain this subject to DVLA (Driver and Vehicle Licensing Agency) rules and regulations.

8. Courtesy car

If your car can be repaired by an Authorised Centre we will arrange and pay for a courtesy vehicle whilst your car is being repaired. We will make all the delivery arrangements.

If you are involved in an accident where you are deemed to be at fault, subject to availability, you will be provided with a class A vehicle offered by our network.

If you are involved in an accident that is not your fault, and you have identified the third party at fault, have obtained full details and there is a reasonable prospect of recovery, you may be offered a like for like vehicle via credit hire subject to availability. If you have not identified the third party at fault or obtained their full details, you will be provided with a class A vehicle offered by our network subject to availability.

9. Windscreen and glass

If your windscreen or other glass in your car has been damaged, call our claims line on 0330 165 9774 (lines are open 24 hours a day, 7 days a week).

If your windscreen or glass is replaced you will have to pay the excess shown in the Windscreen cover section of your Schedule.

What is not covered

  • Loss or damage to your car following theft or attempted theft if it was unoccupied at the time of the loss or damage, unless your car was locked and the ignition key or other removable ignition device was not left unattended in, on, or in the immediate proximity of your car.
  • Loss or damage to your car resulting from fraud or deception (including as a result of or in connection with the use of counterfeit money or another form of payment which a bank or building society will not authorise).
  • Audio/visual, communication, navigational or in-car entertainment unless it is standard equipment for your car when built or fitted by a recommended repairer. Such equipment must be permanently fitted to your car and powered solely via your car’s electrical system.
  • You will have to pay the excess of any claim as shown in your Schedule. The excess will not apply if your claim is solely for the replacement of locks following the loss of your keys.
  • Any damage to leased batteries due to wear and tear.
  • Any loss or damage as a result of theft of or the unauthorised taking of your car by a family member or anyone who lives with you, unless you report them to the police for taking your car without your consent.
  • Wear and tear, mechanical, electrical, electronic, or computer failures, breakdowns or breakages.
  • Damage to tyres caused by braking, punctures, cuts or bursts.
  • Loss of value following repairs to your car.
  • Loss of use of your car or other indirect or consequential loss not explicitly covered under this policy.
  • A courtesy vehicle in the event of a total loss accident or if your vehicle is stolen and not recovered.
  • If you use a non-approved windscreen repairer the maximum we will pay will be £150.

Section 3
UK accident recovery

This section of your policy explains your cover, terms and conditions and the procedures you must follow should you require assistance after an insured incident. It does not provide any cover in respect of breakdown of your car. Our accident recovery service is designed to provide assistance to you after an insured incident.

What’s covered

We will pay for the reasonable cost of transporting your vehicle to a repairer near to its location if it is damaged following an accident and cannot be driven provided that the damage is covered by this policy. In addition to moving your vehicle, we can also arrange transport for you and your passengers from the scene of the accident to your home or planned destination (within the territorial limits), or reimbursement of such transport costs subject to production of receipts up to a maximum limit of £250. Alternatively, we will pay for overnight accommodation (excluding meals and drinks) for you and your passengers up to a maximum limit of £250 if you are unable to complete your journey.

What’s not covered

We will not provide cover for the following:

  • Accommodation following an accident that occurs within 50 miles of your home or the final destination;
  • Accommodation in a hospital;
  • Accommodation of your domestic dogs and cats in a veterinary hospital or similar establishment;
  • Any fees charged for veterinary treatment.

Section 4
Electric vehicles

This section will provide you with additional information when insuring your electric vehicle which is not referenced elsewhere in your policy.

All sections within your policy apply to you and your car when insuring an electric vehicle.

1. Battery cover

Cover is provided as set out in this section whether you own the battery or lease it.

If you lease the battery, then you need to know exactly what your responsibilities are. Please ensure you read all documentation you receive from the manufacturer, so you fully understand your responsibilities.

2. Charging cables and charging points

It is your responsibility to ensure that the charging cable is safeguarded against any trips or falls and/or bodily injury to any persons or property, including malicious damage.

What’s covered

Theft of, or accidental damage to the battery, as per Section 2. When your car is being charged on your driveway or in your garage, we will cover:

  • Liability to others, as per Section 1;

When your car is being charged away from your driveway or garage, we will cover:

  • Liabilities to others, as per Section 1;

What’s not covered

Battery cover (in addition to Section 2):

  • Misuse of the battery, including but not limited to, overcharging/ undercharging and self-repair/replace; or
  • Cost to repair/replace a non-functional battery.

When your car is being charged on your driveway or in your garage (in addition to Sections 1 and 2):

  • Loss or damage to charging cables due to misuse of the charging cables, including but not limited to, overcharging/undercharging, deliberate acts and self-repair/replace;
  • Theft of, fire, or accidental damage to your charging cable and home charging point;
  • Loss or damage to your car as a direct result of a charging point or cable;
  • Cost to repair/replace faulty charging cables; or
  • Cost to repair/replace faulty charging points.

When your car is being charged away from your driveway or garage (in addition to Sections 1 and 2):

  • Loss or damage to charging cables due to misuse of the charging cables, including but not limited to, overcharging/undercharging, deliberate acts and self-repair/replace;
  • Theft of, fire, or accidental damage to your charging cable and home charging point;
  • Loss or damage to your car as a direct result of a charging point or cable;
  • Cost to repair/replace faulty charging cables;
  • Any theft, fire, accidental or malicious damage to any charging point;
  • Cost to repair/replace faulty charging points.

Section 5
Personal Accident

For the purposes of this Section 5 the words below have the following meaning, when they appear as shown below.

Accident– a sudden and unforeseen event involving your car, which occurs during the period of insurance, resulting in bodily injury.

What’s covered

  • We will pay up to a maximum of £2,500 to the driver and/or any passengers, limited to a maximum of £7,500 in aggregate, who have an accident whilst travelling in, getting into or out of your car, or undertaking emergency roadside repairs to your car while it is being used by a driver which results in death or bodily injury within 52 weeks.
  • We will only pay one benefit for bodily injury to each driver and/or any passenger for any one bodily injury.
  • Any disability which existed prior to a driver and/or any passenger sustaining bodily injury shall be taken into account when calculating the benefit payable.
  • Death or bodily injury resulting from suicide or attempted suicide. Any bodily injury caused intentionally by the driver and/or any passenger.
  • Bodily injury to the driver and/or any passenger arising out of racing, rallying, speed testing, speed trials, or whilst driving on a motor sport circuit or Nürburgring Nordschleife. Any driver being under the influence of alcohol or drugs to a level which would be a driving offence in the country where the accident happens.
  • Bodily injury caused by failure to wear a seatbelt unless exempt on medical grounds.

Section 6
Car contents including personal belongings

What’s covered

  • Up to £150 for personal belongings while in your locked car or any attached trailer or locked roof box if they are lost or damaged by an accident, fire, theft, or attempted theft.
  • Up to £100 for a child seat following an accident, fire, or theft.

What’s not covered

  • Money including cash, cheque books, credit, debit, cheque, and loyalty cards.
  • Securities (financial certificates such as shares and bonds).
  • Goods samples or equipment which you or any insured person carry in connection with any trade or business which is owned by any business.
  • Theft of jewellery including watches, laptops, MP3 players and other unfixed audio, visual, navigation or communication equipment (including mobile phones) if your car is unoccupied, unless placed in the locked boot, locked glove compartment or locked roof box, and the keys are removed from your car.

Section 7
Medical expenses

What’s covered

  • We will pay medical expenses which are incurred by you or any insured person as a result of an accident, up to a maximum total of £100.
  • We will only cover medical expenses that arise out of bodily injury to you or any insured person while in occupation of your car. This cover also applies if you or any insured person are struck by another motor vehicle.
  • If an insured person is a victim of assault as a result of your car being in an accident we will pay up to the medical expenses limit to the injured person or their legal representative.

What’s not covered

We will not pay when the assault:

  • Is caused by a relative or a person known to an insured person.
  • Is not reported to the police as soon as possible.
  • Happens outside the United Kingdom, Channel Islands or the Isle of Man; or
  • Is caused or contributed to, by anything said or done by an insured person, after the accident.

General exclusions

These exclusions apply to each and every section of this policy.

This policy does not cover the following unless a particular exclusion is not permitted under motor insurance legislation in force within a particular territory listed in the territorial limits of this policy, in which case such exclusion shall, in respect of such territory, apply only to the extent permitted by such legislation.

1. Age and geographical limits

Any loss, damage or liability if you and any driver are not aged 21 to 79 and do not live permanently in, and your car is not taxed and registered in the United Kingdom, the Channel Islands or the Isle of Man.

2. Earthquake, underground fire, war

We will not cover loss, damage, injury or liability as a result of:

  • Earthquake;
  • Underground fire; or
  • War, invasion, revolution or any similar event.

However, we will provide the cover you need to meet the requirements of any compulsory motor insurance legislation in force within the territorial limits of this policy.

3. Terrorism

Loss, damage, cost or expense of whatever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.

For the purpose of this exclusion an “act of terrorism” means:

  • The use, or threatened use, of biological, chemical and/or nuclear force by any person or group of people whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear; or
  • Any act deemed by the United Kingdom government to be an act of terrorism.

4. Riot

Loss, damage or liability caused by riot or civil commotion outside England, Scotland, Wales, the Channel Islands or the Isle of Man.

5. Competition and performance driving

Loss, damage, or liability arising in preparation for or while your car is being used for racing, rallying, speed testing, speed trials, whilst driven on a motor sport circuit or Nürburgring Nordschleife.

6. Alcohol and drugs

We will not pay more than our legal liability under compulsory motor insurance legislation for any claim, if the driver of your car, at the time of the accident:

  • Is found to be over the permitted limit for alcohol;
  • Is unfit to drive through drink or drugs, whether prescribed or otherwise; or
  • Fails to provide a sample of breath, blood or urine when required to do so, without lawful reason.

If we are obliged to make a payment in such circumstances, we reserve the right to seek to recover any such amounts from you or the driver of your car.

7. Pollution or contamination

We will not cover any loss, damage or liability directly or indirectly caused by pollution or contamination unless the pollution or contamination is directly caused by a sudden, individual, unintentional and unexpected incident which entirely takes place at a specific time and location during the period of insurance. All pollution or contamination which results out of one incident shall be considered to have occurred at the time the incident took place.

8. Radioactive contamination

Loss, damage, liability, death or injury caused directly or indirectly by:

  • Ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning nuclear fuel; or
  • The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear machinery or any part of it.

9. Contracts

Loss, damage or liability as a result of any agreement or contract that you have entered into.

10. Drivers and use of your car

We will not cover any claim or damage arising while your car is being:

  • Driven by anyone who is not mentioned in the “Person or classes of persons entitled to drive” section noted in your Certificate of Motor Insurance;
  • Used for a purpose which is not permitted by your Certificate of Motor Insurance; or
  • Used for hiring of the vehicle, the carriage of passengers or goods for payment, or hire and reward but not limited to taxiing and chauffeuring whether licensed or unlicensed, or the carriage of goods or property which does not belong to you, use as a courier, or merchandise delivery or peer to peer hire schemes, or for takeaway food or fast-food delivery.

However, this exclusion does not apply to claims under Section 2 (Loss of or damage to your car); when your car is being used with your authority or by a motor trader for servicing and repair.

11. Deliberate acts

We will not provide indemnity for your liability for the death of or injury to any person or the loss of or damage to any property caused as a result of the deliberate use of your vehicle:

  • To cause damage to other vehicles or property; and/or
  • To cause injury to any person and/or to put any person(s) in fear of injury

12. Public authorities

Loss or damage arising from confiscation, requisition, or destruction of your car by or under order of any government, public or local authority.

13. Other insurance

We will not pay a claim if any loss, damage or liability covered under this policy is also covered under any other insurance.

14. Tracking device with active subscription service

If you disclose your car is fitted with a Thatcham approved tracking device we will not cover loss, damage or liability arising from theft or attempted theft of your car unless the device has an active tracking subscription and is fully operational at all times when your car is parked and/or left unattended.

15. Criminal acts

We will not provide indemnity for any loss, damage or liability (directly or indirectly) caused whilst your vehicle is being used by you or any person entitled to drive your vehicle:

  • In the course or furtherance of a crime; or
  • As a means to escape from, or avoidance of, lawful apprehension.

General conditions

These conditions apply to each and every section of this policy.

1. Premium

There is no charge for the 5 day driveaway cover this policy provides.

2. Taking care of your car

You must do all you reasonably can to protect your car from damage or theft and keep it in a good and roadworthy condition. Where required by law, your car must have a current Department Of Transport test certificate (MOT). If we ask, you must allow us, or our representative, to inspect your car at any reasonable time.

3. Keeping to the terms of this policy

We will only give you the cover described in this policy if:

  • You or any person claiming has met all the conditions as far as they apply;
  • Any declarations made, and information given to us verbally, electronically or in writing and in the personal details section of this policy are complete and correct to the best of your knowledge and belief or the knowledge and belief of the person claiming; or
  • Your car is being driven and used in accordance with the terms of the Certificate of Motor Insurance.

4. Fraudulent claim(s)

If you or anyone acting on your behalf makes a claim which is in any way false or fraudulent or supports a claim by false or fraudulent statement, device or documents, including inflating or exaggerating a claim you will lose all benefit under this policy from the date of the fraudulent claims. We may also recover any sums that we have already paid for the fraudulent claim and pass details to fraud prevention and law enforcement agencies who may access and use this information. Other insurers may also access this information.

5. Misrepresentation

If you or anyone acting on your behalf:

  • Provides us with misleading or incorrect information to any of the questions asked when applying for, amending or renewing this insurance;
  • Deliberately misleads us to obtain cover or more favourable terms; or
  • Provides us with false documents, makes a fraudulent payment by bank account and/or card.

We may agree to amend your policy to record the correct information, apply any relevant policy terms and conditions and collect any additional premium due; reject a claim or reduce the amount of payment we make; cancel or void your policy (treat it as if it never existed), including all other policies which you have with us.

Where fraud is identified we will also:

  • Not return any premium paid by you;
  • Recover from you any costs we have incurred; and
  • Pass details to fraud prevention and law enforcement agencies who may also access and use this information. Other insurers may also access this information.

6. Claim adjudication

If we accept your claim but you do not agree with the amount we will pay you, you may refer the matter to the Financial Ombudsman Service.

Any other dispute in relation to this policy is subject to the jurisdiction of the English courts pursuant to General Condition 11.

7. Your right to cancel

You may cancel the policy at any time before and during the period of insurance.

If you wish to do this, please cancel your policy within your account. Your policy will be cancelled from the date you request, or the date your request is received, whichever is the later.

In view of the nature of short period insurance, we do not provide a cooling off period.

8. Our right to cancel

We may cancel your policy by giving you 7 days’ notice in writing to your last known email address.

This policy will be immediately cancelled in the event that you arrange any other insurance which provides cover in respect of the insured vehicle.

We may cancel your policy where there are serious grounds to do so. This includes:

  • Failure to meet the terms and conditions of your policy;
  • Where you are required in accordance with the terms of your policy to cooperate with us, or send us information or documentation and you fail to do so in a way that materially affects our ability to process a claim, or our ability to defend our interests;
  • Failure when requested to supply us with other relevant documentation or information that we need;
  • Where we reasonably suspect fraud or misrepresentation;
  • Changes to your policy details or circumstances that mean we can no longer cover you under this policy; or
  • Use of threatening or abusive behaviour or language, intimidation or harassment of our staff or suppliers.

9. Changing your details

You must update your account details with any changes that may affect your policy cover and you must review the information you have provided to us by checking the information contained within your Schedule and Statement of Fact and ensuring it is still accurate. If we are not informed of any changes or corrections this may affect your ability to claim under your policy.

Changes you must update within your account before continuing to use your car:

  • If you change your car;
  • If you make any modifications to your car;
  • If you use your car for a purpose not permitted in your Certificate of Motor Insurance, e.g. changing from social, domestic and pleasure to commuting or business use; or
  • If you wish to add a new driver.

Changes you must update within your account no later than 24 hours after becoming aware of any of the following:

  • If you sell your car or update your car registration;
  • If you change your address, or where you normally keep your car;
  • If you, or any other driver, are convicted of a criminal or motoring offence including fixed penalty notices;
  • If you, or any driver, become unemployed or change occupation, including any part-time work;
  • If you, or any driver have changes made to the status of your or their driving licence;
  • If you, or any driver, develop any notifiable medical condition that the DVLA are not aware of, or are told by a doctor not to drive;
  • If your stated annual mileage estimate is likely to be exceeded; or
  • If you, or any driver, change their name due to marriage or via Deed Poll.

When you make a change of details in your account, we may reassess the terms of your policy. You will be informed of any revisions to the terms and asked to agree before any change is made.

In some circumstances, we may not be able to continue your policy following the changes. Where this happens, you will be told and the policy will be cancelled in line with General Condition 8 – Our right to cancel.

10. Rights of parties

A person who is not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy. This does not affect any right or remedy of a third party which exists or is available apart from that Act.

11. Choice of law and jurisdiction

Unless we agree otherwise:

  • This contract is governed, in relation to each vehicle insured under this contract, by the law of the place within the territorial limits where you reside or if there is any disagreement about which law applies, the law of the place where your vehicle is registered.
  • You agree to submit to the exclusive jurisdiction of the courts in that place.
  • This contract is written in English and all communications about it will be conducted in English.

12. Car sharing

Your policy also covers your car when you are paid for carrying passengers for social reasons, as long as:

  • Your car is not built or adapted to carry more than 8 passengers (including the driver);
  • The passengers are not being carried as part of a business of carrying passengers; and
  • You do not profit from the total amount of money you are paid for the journey. If you have any doubts as to whether or not any car sharing you have arranged is covered by this policy, please contact us.

13. Tax and registration

Your car must be taxed and registered in the United Kingdom, the Channel Islands or the Isle of Man.

14. Sanctions

We shall not be deemed to provide cover and shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover or payment of such claim or provision of such benefit would expose us to any sanction, prohibition or restriction under United Nations regulations or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

15. Compulsory insurance laws

If under the law of any country we must make a payment which we would not otherwise have to make, you must repay that amount to us.

16. Right of recovery

If we are obliged to settle a claim which we would not have settled had it not been for the provisions of the Road Traffic Act in the United Kingdom or corresponding legislation elsewhere or by reason of our participation in the Motor Insurers Bureau arrangements we will require that you, or the person who made the claim, repay all such monies to us.

Company information

Insurance provider

This insurance is arranged by Wrisk Transfer Limited, a Company registered in England under Company number 10657213 and is a wholly owned subsidiary of Wrisk Limited. Registered address: 45 Gresham Street, London, EC2V 7BG, United Kingdom. The company is registered in England under company number 09721622. Wrisk Transfer Limited is authorised and regulated by the Financial Conduct Authority under the Financial Services Register number 788062.

Underwriter

This insurance is insured through KGM Underwriting Services Limited. KGM Underwriting Services Limited is authorised and regulated by the Financial Conduct Authority, FCA Firm Reference Number 799643 and this insurance is underwritten by Zurich Insurance Company Ltd. A public limited company incorporated in Switzerland. Registered in the Canton of Zurich, No. CHE-105.833.114, registered offices at Mythenquai 2, 8002 Zurich. UK Branch registered in England and Wales no BR000105. UK Branch Head Office: The Zurich Centre, 3000 Parkway, Whiteley, Fareham, Hampshire PO15 7JZ.

Zurich Insurance Company Ltd is authorised and regulated in Switzerland by the Swiss Financial Market Supervisory Authority FINMA. Authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.

Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Our firm reference number is 959113.