General Conditions and Exclusions:
This insurance does not cover, and We will not make any payment for, any of the following:
1. Any liability for death or bodily injury or damage to any people, property or any loss of use or other consequential loss or damage
whatsoever
2. Any contribution that You more specifically insure elsewhere
3. Any of Your installments that are in arrears or any interest on arrears, or any deficit due to non-payment or erratic payment of any
amounts that You should have paid under the terms of Your Agreement or any outstanding financed amount transferred from any
previous finance agreement including âCash Backâ to Your current Agreement
4. If You or anybody acting on Your behalf has failed to disclose any material information to Us or to Your Motor Insurance Policy
insurer, then any amount paid under the insurance in the event of a claim will be reduced accordingly. What constitutes material
information is at the discretion of the Underwriter.
5. If You or anybody acting on Your behalf has given false information to assist You with an attempt to claim benefit under this
insurance or Your Motor Insurance Policy. If this should happen, this insurance as a whole shall be void as from the date of inception
and all premiums paid will be forfeit
6. If the event causing the Total Loss is occasioned by Your wilful act or with Your consent. If this should happen, this insurance as a
whole shall be void as from the date of inception and all premiums paid will be forfeit
7. If You have another similar insurance with Us or with any other insurer, in respect of the same Motor Vehicle then We reserve the
right to reduce any benefit We may pay
8. If the claim or loss is directly or indirectly caused by Your direct or indirect participation in a crime, drink driving offence or Your
being under the influence of drugs
9. The amount of any excess on Your Motor Insurance Policy exceeding £250
10. Your Motor Insurance Policy insurer replacing Your Motor Vehicle or offers You a replacement Motor Vehicle in settlement which
you decline
11. Your Motor Insurance Policy insurer offers to repair your Motor Vehicle but You have instead requested the claim to be dealt with
on a Total Loss basis