Wrisk Car Insurance

Policy Wording

Version 1.0
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1 May 2022

Welcome to Wrisk Car Insurance – 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 9749. 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. Optional add-ons
  8. General exclusions
  9. General conditions

An explanation of your policy wording

This is your monthly subscription Wrisk Car Insurance policy which is administered and managed by Wrisk Transfer Limited and underwritten by Highway Insurance Company Limited.

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;
  • Your core cover: the sections of the policy that are always provided;
  • Optional add-ons: the sections of the policy selected by you;
  • 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.

Signed on behalf of Wrisk Transfer Limited

NB Signature
Niall Barton

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 9749 (lines are open 24 hours a day, 7 days a week) who will take details of your claim. They will also put you in touch with our accident recovery service. If your car is not in a roadworthy condition or is immobile, they will arrange for you and your passengers to be taken home or to your original destination, and your car to be transported to the nearest Recommended Repair Service whatever the distance, or to a garage of your choice, provided that is within 10 miles of the accident or the address in the Schedule.

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.

Windscreen and glass claims

If your windscreen or other glass in your has been damaged, call our claims specialists on 0330 165 9749 (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.

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 Car Insurance
CEME Suite 205
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 three 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;

Highway Insurance Company Limited uses your data in order to underwrite the insurance; and

Wrisk Car Insurance uses your data for statistical and analytical purposes and for sending marketing to you.

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 three 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.
Anniversary
12 months from the start date of your policy and each twelve-month interval thereafter.
Billing date
The recurring monthly date when your insurance premium is payable to us.
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).
Glass
Any glass in the windscreen, windows, sunroof of your car.
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.
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, the Isle of Man, Andorra, Austria, Belgium, 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.
The insurer
Highway Insurance Company Limited.
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.

Your core cover

Section 1
Your liability to others

Claims under this section will affect your No Claims Bonus.

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;
  • 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. Emergency medical treatment

If there is an accident which is covered under this policy, we will pay for emergency medical treatment which is required under the relevant compulsory motor insurance legislation in force within the territorial limits of this policy.

5. Foreign travel

This section provides the minimum cover you need by law to use your car in the territorial limits. Please refer to Section 7: Foreign travel for full details of the enhanced cover included.

What’s not covered

We will not provide cover for the following:

  • 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.

Claims under this section will affect your No Claims Bonus.

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;
  • 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 locks

If the keys, transmitter, or immobiliser key for your car are lost or stolen, we will pay 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. We will pay up to £1,000.

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 50% 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 is being repaired by a recommended repairer they will provide you with a courtesy vehicle for the duration of the repair to your car. A courtesy vehicle provided under this section will usually be a class A (small hatchback) courtesy car. We will insure the courtesy vehicle under this insurance in exactly the same way as we insure the insured vehicle. You must return the courtesy vehicle when the owner or we ask you to.

You’ll pay for any fuel used as well as any tolls or fines you may incur. If your insurance expires you are no longer insured to drive the hire car.

You may keep any courtesy car provided under this section for a period of up to 14 days or until your car is returned to you (whichever is less).

What’s not covered

We will not provide cover for the following:

  • 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.
  • If your car is stolen or a total loss a courtesy car will not be provided.
  • 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.
  • In addition to the policy excess an age/experience excess is applicable as shown in your Schedule in the following circumstances. “Inexperienced” is defined as not having held a Full UK or EU license for at least 12 months prior to the start of your policy.
    Age Experienced Inexperienced
    17-24 £150 £150
    25+ Standard £50
  • 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.
  • Costs of fuel, oil and other items you use in the courtesy car during this period of hire.
  • The cost of any hire car, other than the courtesy car which is provided by the recommended repairer.

No Claims Bonus

For every complete twelve-month period either between the start date of your policy and its first anniversary, or between two anniversary dates of your policy during which there has been no prejudicial claim(s) made under such policy, we will give you a No Claims Bonus on your premium when you reach the next annual anniversary of your policy (as shown below).

The following will not affect your No Claims Bonus:

  • Payments made for glass repairs and for bodywork scratched as a direct result of a damaged window, windscreen or sunroof under Section 4: Windscreen cover.
  • Claims where you or a driver are not at fault, as long as we have recovered all payments from those who are responsible.

If you do make a claim, your No Claims Bonus will be affected as shown in the table below unless you have purchased the No Claims Bonus protection option:

NCB at inception NCB at next annual anniversary
No claims 1 claim 2 claims 3+ claims
0 1 0 0 0
1 2 0 0 0
2 3 1 0 0
3 4 2 0 0
4 5 3 1 0
5 6 3 1 0
6 7 3 1 0
7 8 3 1 0
8 9 3 1 0
9+ 9+ 3 1 0

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 comprehensive assistance to you after an insured incident.

Claims under this section will affect your No Claims Bonus.

What’s covered

We will pay the cost of protecting and removing your car to the nearest or your local recommended repairer whatever the distance, or to a garage of your choice, provided that it is within 10 miles of the accident or the address in the Schedule, so long as your car is not in a roadworthy condition or is immobile. We will take your car, up to 6 insured persons and your domestic dogs and cats to your destination in the United Kingdom, Channel Islands and the Isle of Man after an insured incident.

We will also pay the cost of delivering your car back to you (at your home in the United Kingdom or the Isle of Man) after it has been repaired.

The insured person(s) must be with your car when the repair or recovery vehicle arrives, unless you have made other arrangements with us.

Emergency overnight accommodation and travel expenses

Following an insured incident where you are unable to use our accident recovery service to transport the insured persons or domestic dogs and cats being carried to the intended destination due to:

  • Hospitalisation of any insured person(s) in your car;
  • Your domestic dogs and cats needing veterinary care; or
  • Any insured person in your car required to help police with their enquiries.

We will pay up to £250 for:

  • Emergency overnight accommodation;
  • Travel expenses for any insured person or your domestic dogs and cats carried in your car.

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
Windscreen cover

What’s covered

If the windscreen or the glass of your car is damaged, we will pay for its replacement or repair. We will also pay for repairs to your car’s bodywork scratched by broken glass.

Providing there is no other damage and no claim is made under any other section of the policy, any claim for payment for glass replacement or repair under this section will not affect your No Claims Bonus.

What’s not covered

We will not provide cover for the following:

  • You will have to pay the windscreen excess as shown in your Schedule.
  • If you choose not to use an approved company, the most the insurer will pay is £150 (after we have deducted any excess).
  • Any damage to lights or reflectors and damage caused by their breakage.
  • Any damage deliberately caused by you or an insured person.
  • Any liability for inherent defects in the windscreen or glass.

Section 5
Car contents (including personal belongings)

Claims under this section will affect your No Claims Bonus.

What’s covered

Up to £250 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.

What’s not covered

We will not provide cover for the following:

  • 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 6
Child car seat

Claims under this section will affect your No Claims Bonus.

What’s covered

If you or any insured person has a child car seat in your car and your car is involved in an accident which involves impact damage, we will replace the child car seat with a new child car seat of equivalent quality.

We will replace the child car seat even if the child car seat itself is not damaged.

Section 7
Foreign travel

Claims under this section will affect your No Claims Bonus.

What’s covered

This section gives you and anyone included as a driver, the full cover shown in the Schedule in any country in the territorial limits for up to 90 days between the start date and the anniversary and for every year between 2 anniversaries.

You may need a green card if you want to travel within or between the territorial limits.

If you want cover outside the territorial limits, you must tell us. We may provide cover and you may need to pay an extra premium.

1. Returning your car to the United Kingdom or the Isle of Man after an insured incident

If your car is repaired before your scheduled return to the United Kingdom or the Isle of Man, then you will be responsible for returning your car to the United Kingdom or the Isle of Man at your own cost and for all associated costs.

If your car cannot be repaired before your scheduled return to the United Kingdom or the Isle of Man or your car is stolen outside the United Kingdom or the Isle of Man and not recovered before your scheduled return to the United Kingdom or the Isle of Man, we will pay for the following:

  • The costs of taking up to 6 insured persons and your luggage to your home in the United Kingdom or the Isle of Man by a route and method of our choice. We will also pay for your car to be taken to your home or to a suitable repairer near your home.
  • If you had to leave your car abroad, we will pay the costs of one standard class single ticket for you or a driver of your choice to collect your car.
  • We will also pay any necessary expenses on the outward journey for 1 person collecting your car if you or a driver are unable to drive, including accommodation. We will pay up to a maximum of £600.
  • The maximum we will pay to repatriate your car will be its current market value in the United Kingdom or the Isle of Man.
  • Any unused travel tickets must be used for the repatriation of your car before we will provide any alternatives.
2. Loss of use of your car

If, at any time during your trip, you cannot use your car due to an insured incident within the territorial limits and your car will be out of use for more than 8 hours; or

If your car is stolen within the territorial limits and not recovered within 8 hours, we will organise and pay for one of the following:

  • Taking up to 6 insured persons and your luggage to your original destination within the territorial limits, and returning you to your car after it has been repaired;
  • Accommodation including 1 daily meal (excluding alcoholic beverages) for up to 6 insured persons while your car is being repaired. We will pay a maximum of £45 per person, per day for up to 5 days;
  • Up to £750 towards the costs of hiring another vehicle while your car remains unserviceable.
3. Storage

If your car has to be stored whilst you are waiting for it to be repaired, we will pay up to £500 for the cost of storing your car.

What’s not covered

We will not provide cover for the following:

  • 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).
  • The excess shown in your Schedule. The excess will not apply if your claim is solely for replacement of locks following loss of your keys.
  • 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.
  • Any damage caused deliberately by any insured person.
  • We will not pay for special travel arrangements for any of the 6 insured persons requiring specially adapted transport.

Section 8
Driving other cars (third party liability only)

Please refer to your Certificate of Motor Insurance.

The cover provided is for the vehicle policyholder while driving any other car and is for Third Party only and does not cover loss or damage to the car being driven.

Claims under this section will affect your No Claims Bonus.

This section of your cover only applies if:

  • You don’t own the car or it is being hired under a hire purchase agreement or lease hire agreement;
  • You have the owner’s permission to drive the car;
  • You are 25 years of age or over;
  • Your car has not been sold, disposed of, damaged beyond economic repair or declared a total loss;
  • You are not a company, firm or more than 1 person;
  • The car being used has valid cover in force under another insurance policy.

What’s covered

1. Cover we provide for you

We will provide indemnity in respect of all amounts you legally have to pay as a result of driving or using a car that is not owned by or hired to you under a hire purchase agreement if you:

  • Cause the accidental death of or bodily injury to any person; or
  • 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.

2. Cover we provide for other people

We will provide the same insurance as in Section 1 above to anyone travelling in, getting into or out of the car.

3. Emergency medical treatment

If an accident occurs which is insured by this policy, we will pay for emergency medical treatment which must be provided under the Road Traffic Act.

What’s not covered

We will not provide cover for the following:

  • Loss of or damage to the car being driven, or any trailer or caravan being towed by it.
  • Liability for loss of or damage to property which belongs to or is held in trust by you or is in your care, custody or control.
  • Any loss, damage or liability arising from an accident outside the United Kingdom, the Channel Islands or the Isle of Man.
  • Liability incurred by anyone who is covered under any other policy.
  • Liability caused by using a car on any part of an aerodrome, airport, airfield, or military base where aircraft can go.
  • Loss, damage or liability if the car is being used for a purpose not shown or excluded on your Certificate of Motor Insurance.

Section 9
Personal accident

For the purposes of this Section 9 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.

Claims under this section will affect your No Claims Bonus.

What’s covered

We will pay £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.

What’s not covered

We will not provide cover for the following:

  • 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 10
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 total of £250.

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.

Section 11
Uninsured driver promise

What’s covered

If you have an accident that is not your fault and the driver of the other vehicle is not insured, your No Claims Bonus will not be affected and we will cover your policy excess providing you can supply the following information, if possible:

  • The vehicle registration number and the make and model of the other vehicle; and
  • The other vehicle’s driver’s details.

When you claim, you may have to pay your excess. If your claim is not settled by your annual anniversary, your No Claims Bonus may be reduced and you may be required to pay an increased premium. However, once we confirm that the accident was the fault of the uninsured driver we will reinstate your No Claims Bonus, reimburse your excess and refund any extra premium you have been asked to pay as a result of your No Claims Bonus being reduced.

Section 12
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:

  • Theft of, fire, or accidental damage to your charging cable and home charging point, as per Section 2;
  • Liability to others, as per Section 1;
  • Loss or damage to your car as a direct result of a charging point or cable, as per Section 2.

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

  • Theft of, fire or accidental damage to the charging cable, as per Section 2;
  • Liabilities to others, as per Section 1;
  • Loss or damage to your car as a direct result of a charging point or cable, as per Section 2.

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;
  • 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;
  • 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.

Optional add-ons

No Claims Bonus protection

For every complete twelve-month period either between the start date of your policy and its first anniversary, or between two anniversary dates of your policy during which there has been no prejudicial claim(s) made under such policy, we will give you a No Claims Bonus on your premium when you reach the next annual anniversary of your policy.

If you have selected No Claims Bonus protection, your level of NCB will be adjusted as shown below:

NCB at inception NCB at next annual anniversary with NCB Protection
No claims 1 claim 2 claims 3 claims 4 or more claims
0 1 n/a n/a n/a n/a
1 2 n/a n/a n/a n/a
2 3 n/a n/a n/a n/a
3 4 n/a n/a n/a n/a
4 5 4 2 0 0
5 6 5 3 1 0
6 7 6 3 1 0
7 8 7 3 1 0
8 9 8 3 1 0
9+ 9+ 9+ 3 1 0

You will not be able to protect your NCB if you have earned less than 4 years’ NCB at the start date of your policy.

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 17 to 85 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

If any loss, damage or liability covered by this insurance is also covered by any other insurance, we will only pay our share. This condition does not apply to Section 9: Personal accident.

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

Premium is payable on demand. In the event that it is not paid in full, we will cancel the policy in line with General Condition 8 of this policy.

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 and we will retain all premiums you have paid for this policy. 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, fraud and financial crime

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, gain a cheaper premium 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.

If you cancel the policy, we will refund the amount you have paid for the unused period of insurance except where an incident has occurred which has or may give rise to a prejudicial claim, in which case the full premium paid will be retained by us.

8. Our right to cancel

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

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

  • Failure to pay your premium on your billing date;
  • 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 at each anniversary of your policy 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 48 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 premium and terms of your policy. You will be informed of any revisions to the premium or 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:

  • The language of the policy and all communications relating to it will be in English;
  • All aspects of this policy including negotiation and performance are subject to English law and, subject to General Condition 6, the jurisdiction of English courts.

12. No Claims Bonus proof

Proof of no claims: If you have declared to us that you are entitled to a No Claims Bonus in respect of the car covered under this policy, you will be required to provide proof of this No Claims Bonus to us no more than 14 days after the inception date of this policy if requested by us.

We will require proof of this No Claims Bonus in writing in the event of a claim, unless we otherwise agree. If you do not provide this proof your policy may be invalid or we may change the terms or premium. Your period of no claims must have been earned on a private car policy in the United Kingdom which expired no more than 2 years before the start of this policy.

13. Changes to terms from your next billing date

Regardless of your claims history, your No Claims Bonus or whether you have paid for No Claims Bonus protection, we have the right to amend your policy terms and conditions.

This includes:

  • Imposing terms such as the application of excess or endorsements;
  • Increasing your premium;
  • Excluding cover;
  • Amending the policy wording;
  • Changing your payment type;
  • Declining to renew your policy.

We will notify you in writing of any such action at least 14 days prior to your next billing date.

14. 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.

15. Tax and registration

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

16. 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.

17. 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.

18. 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

This insurance is arranged and administered 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.

This insurance is underwritten by Highway Insurance Company Limited. LV= and Liverpool Victoria are registered trademarks of Liverpool Victoria Financial Services Limited and LV= and LV= Liverpool Victoria are trading styles of the Liverpool Victoria General Insurance Group of companies. Highway Insurance Company Limited, registered in England and Wales number 3730662 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202972. Registered address: 57 Ladymead, Guildford GU1 1DB. Tel. 0330 1239970