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					4. Telling Us About a Change                                               The Customer Services Department can be contacted by telephone
                                                                                                                                                      For enquiries relating to your                                           Tailor-made Insurance
                                                                                                                                                      MotorCycle Direct Insurance
                                                                           on 0844 800 0966, by fax on 0844 800 0977 or by
You must tell us if you change your address or if there is any
                                                                           e-mail at info@europa-group.co.uk.
change in the information given to us that is relevant to this
insurance. If you do not, your insurance may not be valid or may           If you are not satisfied by our initial response, or if the initial
                                                                                                                                                      please call customer services
                                                                                                                                                      on 0844 800 0966 or visit
not cover you fully. If you are not sure whether any information           complaint is of a more serious nature, then you should write to:
is relevant, you should tell us anyway.
                                                                           The Compliance Manager, Europa Group Limited,
5. Cancellation                                                            Europa House,                                                              www.motorcycledirect.co.uk
Your right to change your mind                                             Midland Way,
                                                                           Thornbury                                                                  MotorCycle Direct Insurance is provided by Europa Group Limited who
You may cancel the insurance, without giving reason, by sending                                                                                       operate as an insurance intermediary authorised and regulated by the
us written notice and returning the insurance documents within 14          BS35 2JX.
                                                                                                                                                      Financial Services Authority. Registered Office: Europa House, Midland
days (cooling off period) of it starting or (if later) within 14 days of   The Compliance Manager is responsible for monitoring the quality of        Way, Thornbury, BS35 2JX. Registered in England and Wales No: 3279177
you receiving the insurance documents. We will refund any                  our service and will ensure that your complaint is dealt with correctly.
premium you have paid as long as a claim has not been or likely                                                                                       Europa Group Limited is entered in the Financial Services Authority’s
                                                                           We will acknowledge receipt of your complaint promptly and inform
to be made.                                                                                                                                           Register and the Register Number is 309794. For more
                                                                           you of who is dealing with your complaint. If our investigations take
                                                                                                                                                      information you may visit www.fsa.gov.uk/register/.
You may cancel this insurance by giving us written notice. No              longer than this we will provide a full written response within 20
premium will be refunded following expiry of the cooling off period.       business days, or explain the current position of your complaint and
                                                                           provide you with an indication as to when we expect to provide our
This insurance runs concurrently with your Motorcycle Insurance            final response.
Policy. In the event of cancellation/non-renewal of your
Motorcycle Insurance Policy, all cover under this insurance will           If you are not satisfied and if your complaint relates to the insurer
cease.                                                                     or the insurance policy then please send your complaint to :

We may cancel the insurance by sending you 14 days’ notice to              The Chief Executive of Equity Red Star at:
                                                                           Equity Red Star



                                                                                                                                                                                                                               Personal Accident
your last known address. No premium will be refunded.
                                                                           52 Leadenhall Street
                                                                                                                                                      In the event of a claim, please ring 0844 800 0988
6. Notification
                                                                           London



                                                                                                                                                                                                                               Cover
The police must be notified immediately following any event likely         EC3A 2BJ
to give rise to a claim under this insurance.
                                                                           If you are not satisfied by their response you may write, if your policy   Additional products
7. If you have agreed to pay your premium by instalments,                  is underwritten by a Lloyd’s Syndicate, to:
   the following will apply:                                                                                                                          Personal Accident cover is just one of the additional features you
                                                                           Policyholder and Market Assistance
If you do not pay an instalment when it is due, or if the instalment                                                                                  can choose with MCD tailor-made bike policies.
instruction has been cancelled for any reason, you must pay all            Lloyds Market Services, 1 Lime Street
the remaining instalments and any administration fee within 14             London EC3M 7HA                                                            MotorCycle Direct Insurance has been created to give you, the
days of receiving the written notice. If you do not pay the amount         If you have been given a final response and you are still dissatisfied
you owe within these 14 days, we will cancel the remaining cover                                                                                      motorcyclist, the ability to tailor-make your motorcycle insurance
                                                                           then, as all insurers used by Europa Group Limited, and Europa
under this insurance by sending you 14 days notice, as shown in            Group Limited itself are authorised and regulated by the Financial         so you get what you want – no more, no less.
General Condition 6. We will then send you confirmation of the             Services Authority, you may be entitled to refer your complaint to
cancellation.                                                              the Financial Ombudsman Service (FOS) who can be contacted at:             If you wish to add on any other benefits to your MotorCycle Direct
If any extra premium is needed during the period of insurance,             Financial Ombudsman Service,                                               Insurance policy then you can do so, as long as you give the MCD
it will be spread out over the remaining instalments due for that
                                                                           South Quay Plaza, 183 Marsh Wall,                                          Insurance team a call on 0844 800 0966 within 14 days of taking
period of insurance. If you have already paid all your
                                                                           London E14 9SR
instalments, you must immediately pay any extra premium when                                                                                          out your policy.
it is due.                                                                 Tel: 0845 080 1800
If we owe you any return of premium, the amount we owe may                 Any decision made by the Financial Ombudsman Service is only               For full details of the products available, visit our website –
be taken off the instalments due for the remaining period of               binding on the insurers and Europa Group Limited.                          www.motorcycledirect.co.uk
insurance.                                                                 You remain free to take legal action in court. These arrangements
Complaints Procedure                                                       for the handling of complaints are entirely without prejudice to your          Breakdown Cover
                                                                           rights in English Law and you are free at any stage to seek legal
If You have a Complaint about Your Insurance                               advice and take legal action.                                                  Helmet and Leathers Cover
Our aim is to provide you with a first class standard of service at        Telephone Recording                                                            Insurance Whilst Abroad
all times. If you feel that we have not met your expectations, then
please contact our Customer Services Department straight away              For our joint protection telephone calls may be recorded and/or                Protected No Claims Bonus
and we will endeavour to resolve any issues immediately or if not,         monitored.
by the close of business the next day.                                                                                                                    Riding Other Bikes Cover
                                                                                                                                                      01/10
                                                                            Bodily Injury                                                                Equity Syndicate Management Ltd is Registered in England No.            3. War, riot, act of foreign enemy (whether war is declared or
                                                                                                                                                         426475. Registered Office: Library House, New Road, Brentwood,             not), civil war, revolution, power being seized unlawfully,
                                                                            A physical injury during the period of insurance, resulting solely and
                                                                                                                                                         Essex, CM14 4GD.                                                           terrorism, nuclear, chemical or biological materials being
                                                                            independently from an accident, which within 12 months from the date                                                                                    released or escaping, or any other similar event.
                                                                            of the accident results in the Insured Person’s death or disability          As we are members of the Financial Services Compensation Scheme
                                                                                                                                                         (FSCS), you may be entitled to compensation from the scheme if we          For the purposes of this exclusion, terrorism means an act, or
                                                                            Insured Person(s)                                                                                                                                       acts, of any person or group committed for political, religious
                                                                                                                                                         cannot pay out all valid claims under this insurance. This depends
                                                                            This is the person named in the motorcycle insurance policy.                 on the type of business and the circumstances of the claim. The            or similar purposes, with the aim of influencing any
                                                                                                                                                         scheme will cover 90% of the claim with no upper limit. For types of       government or putting the public, or any section of the public,
                                                                            Loss of Limb(s)                                                                                                                                         in fear. Terrorism can include, but is not limited to, using or
                                                                                                                                                         insurance you must have by law (such as third party insurance for
                                                                            The loss of a hand or foot by physical severance or total loss of use of                                                                                threatening to use force or violence.
                                                                                                                                                         motor claims), the scheme will cover the whole claim. You can get
                                                                            an entire hand or foot.                                                      more information about the scheme from the FSCS or you can visit           The people who carry out acts of terrorism can either be acting
                                                                            Loss of Sight                                                                their website at www.fscs.org.uk                                           alone, or can be acting on behalf of or in connection with any
                                                                                                                                                                                                                                    organisation or government. If any part of this exclusion is not
                                                                            The permanent and total loss of sight which we consider as having            You, your                                                                  valid, or we cannot enforce any part of it, the rest will still apply.
                                                                            happened:                                                                    The Policyholder only or in the event of death, your personal           4. Deliberate exposures to exceptional danger (except in an
                                                                            in both eyes, if an insured person’s name is added to the Register of        representative.                                                            attempt to save human life), or the insured person’s own
                                                                            Blind Persons on the authority of a fully qualified opthalmic specialist;    What is Covered                                                            criminal act, or being under influence of alcohol or drugs.
                                                                            or                                                                                                                                                   5. Provoked assault or fighting (except in bona fide self defence).
                                                                                                                                                         This insurance covers the Insured Person whilst riding on, mounting
Thank you for purchasing this insurance policy from MotorCycle              in one eye if, after correction, the degree of sight an insured person       onto or dismounting from or in charge of the insured vehicle named      6. Any matrimonial or family dispute.
Direct Insurance. Please check the wording in this document to make         has left in that eye is 3/60 or less on the Snellen Scale (meaning they      in the Insured Person’s motorcycle policy and which is being used
                                                                            can see at 3 feet what they should be able to see at 60 feet).               for social, domestic and pleasure purposes (including daily travel      Conditions
sure that this policy suits your requirements and should you have any
                                                                                                                                                         between your normal residence and your place of work)                   1. Notification of a Claim
questions relating to this policy, please call us on 0844 800 0966.         Loss of Use
                                                                                                                                                         Benefits                                                                Notice must be given to us as soon as reasonably practicable of
Alternatively, if you are not satisfied with the cover provided by this     The total and irrecoverable loss of use where the loss is continuous
                                                                                                                                                         Accidental Death £5,000                                                 any accident which causes or may cause disablement within the
insurance, please return this document to us within 14 days of              for 12 months and such loss of is deemed permanent and beyond
                                                                                                                                                                                                                                 meaning of this insurance, and the insured person must as early
receiving it. We will return any premium you have paid as long as we        possibility of improvement.                                                  Total and irrecoverable loss of sight in one or both eyes £5,000        as possible place himself under the care of a duly qualified
have not paid a claim.                                                      Period of insurance                                                                                                                                  medical practitioner. Notice must be given to insurers as soon as
                                                                                                                                                         Loss of One or Two Limbs £5,000
                                                                                                                                                                                                                                 reasonably practicable in the event of the death of the insured
    Full Policy Wording                                                     This insurance runs concurrently with the Insured persons motorcycle         Permanent Total Disablement (other than loss of sight or limb) £5,000   person resulting or alleged to result from an accident.
                                                                            insurance policy. In the event of cancellation / non renewal of the
                                                                                                                                                         Express Conditions                                                      If the insured person dies, we will be entitled to ask for, at our
Personal Accident Insurance Policy                                          Insured person’s motorcycle insurance policy, all cover under this
                                                                            insurance will cease.                                                        The following express conditions apply to this insurance.               expense, a post-mortem examination.
This document sets out what is and what is not covered, together with
                                                                            Permanent Total Disablement                                                  1. The Insured Person has not attained 70 years of age                  You or anyone acting on your behalf, in the even of your death,
the sum insured and any special terms that may apply.
                                                                                                                                                                                                                                 must give us (at your or their own expense) any documents,
Contract of Insurance                                                       A disablement which entirely prevents the Insured Person from                2. The Insured Person is normally resident in the United Kingdom        information and evidence we need.
                                                                            attending to any remunerative occupation and which after a period of         3. The insurance excludes all claims arising from physical or mental
This document forms a legally binding contract of insurance between                                                                                                                                                              If a claim occurs you must report it as soon as possible and in any
                                                                            12 months from the date of disablement, is in the opinion of a medical          conditions or disabilities of a recurring or chronic nature from
you and us. The contract does not give, or intend to give, rights to                                                                                                                                                             event within 31 days of any occurrence which may give rise to a
                                                                            referee, beyond possibility of improvement.                                     which the Insured Person suffered and was known to suffer, prior     claim under this certificate. Please phone us on 0844 800 0988.
anyone else. No one else has the right to enforce any part of this
                                                                                                                                                            to the inception of this insurance                                   The incident must also be reported to your motorcycle insurers.
contract. We may cancel or change any part of the contract without          Territorial Limits
getting anyone else’s permission.                                                                                                                        General Exclusions                                                      2. Fraudulent Claims
                                                                            Great Britain (England, Scotland andWales), Northern Ireland, the Isle
The contract is based on the information you provided in your proposal      of Man and the Channel Islands.                                              The following exclusions apply to this insurance.                       If a claim is made which you, or anyone acting on your behalf,
for insurance. The insurance provided by this document covers death         We, us, our                                                                  This insurance does not cover death or disablement directly or          know is false, fraudulent or exaggerated, we will not pay the
or disability that occurs during any period of insurance for which you                                                                                   indirectly arising out of or consequent upon or contributed to by:      claim and cover under this insurance will end without us re turning
have paid, or agreed to pay the premium. The insurance is provided          Equity Red Star, 52 Leadenhall Street, London, EC3A 2BJ, which is                                                                                    your premium.
                                                                            made up of the Lloyd’s underwriters who have insured you under this          1. Use of a Motorcycle for:
under the terms and conditions contained in this document.                                                                                                                                                                       3. Aggravated Physical Disability
                                                                            insurance. Each underwriter is only liable for their own share of the risk      a) Hire or reward.
This insurance is written in English and all communications about it will   and not for any other’s share. You can ask us for the names of the                                                                                   If the consequence of an injury is aggravated by a physical
be in English. Unless we have agreed otherwise with you, this contract                                                                                      b) Racing competition, rallies, trials, speed testing or for any     disability or condition of you which existed before the accident
                                                                            underwriters and the share of the risk each has taken on.
is governed by English law.                                                                                                                                    purpose in connection with the motor trade.                       occurred, the amount of any benefit payable under this insurance
                                                                            Our regulatory status:                                                                                                                               in respect of the consequences of the accident shall be the
Definitions                                                                                                                                                 c) The insured person’s business or in connection with the
                                                                            Equity Red Star is managed by Equity Syndicate Management Ltd                      insured person’s employment,other than daily travel between       amount which is reasonably considered would have been payable
The following words or phrases have the same meaning whenever they          which is authorised and regulated by the Financial Services Authority.             the insured person’s normal residence and place of work           if such consequences had not been so aggravated.
appear in this document and schedule.                                       Our register number is 204851. The Financial Services Authority                 d) Courier and/or messenger services
Accident                                                                    website includes a register of all regulated firms (www.fsa.gov.uk/
                                                                            register) or you can contact the Financial Services Authority on             2. The insured person committing or attempting to commit suicide
Any bodily injury, which is caused by a sudden, unexpected event            0845 606 1234.                                                                  or intentionally inflicting self injury, while sane or insane.
occurring at a time and place following a road incident within the UK

				
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