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Contents                                                                    2
                                                                               2
      Welcome                                                                  2
      Our guarantee                                                            3
      What you must tell us
      Some of your other important obligations                                 6
                                                                               6
      Section 1: Loss to your Vehicle                                          6
      What you are covered for                                                 6
      What your vehicle will be used for                                       6
      User of the Vehicle                                                      6
      What special benefits you are covered for                                6
                                                                               6
         Choice of repairer                                                    7
         Completion of journey                                                 7
         Fatal injury                                                          7
         Hire vehicle                                                          7
         Medical expenses                                                      7
         Natural disaster damage                                               7
         No claims and no blame bonus                                          7
         Repair guarantee                                                      7
         Replacement vehicle                                                   8
         Road clearing costs
         Salvage and storage costs                                             8
         Stolen keys                                                           8
                                                                               8
      Section 2: Liability Protection                                          8
      What special benefits you are covered for under liability protection     9
                                                                               9
         Bodily injury                                                         9
         Legal expenses                                                        10
         Marine ‘general average’                                              11
      What you are not insured for                                             11
         General exclusions                                                    11
         Terrorism                                                             11
      How to make a claim                                                      12
      How we will look after your claim                                        12
      How we will settle your claim                                            12
      The Insurance Claims Register                                            12
      Modifications to your vehicle                                            12
      Accessories                                                              13
      Replacement parts                                                        13
      Cancelling this policy                                                   13
      Making changes to this policy                                            13
      Other insurance                                                          13
      Automatic reinstatement                                                  15
      Jurisdiction
      Currency and taxes                                                    Page 5
      Meanings of words

A TIHf yIoRuDhavPeAa RcoTncYernFIRE & THEFT INSURANCE POLICY BY
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