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      1 | Trucks Insurance Policy




      trucks claims                                                  Legal Assistance

      Helplines                                                      Immediate and confidential access by phone to
                                                                     a team of legal consultants who will give you
      24 hour Claims Service                                         advice and guidance on any motor-related matter.

      Our claims service helpline is open 24 hours                   Breakdown Assistance
      a day, 365 days a year to provide you with a                   For those of you who have selected Breakdown
      dedicated service. As lines are open at your                   cover we have helplines to deal with various
      convenience, you can register your claim as soon               incidents from your motor vehicle breaking
      as it happens, enabling us to start the process of             down to accidentally locking your keys in your
      getting your business back on the road!                        motor vehicle.
      Windscreen Replacement                                         Trucks Helplines Card
      For those of you who have selected                             This is your Trucks Helplines Card. Please keep
      Comprehensive cover, you can take advantage                    it in a safe place.
      of our priority service. We will repair or replace
      your windscreen anywhere in the country                        How to use the Helpline Services
      without affecting your no claim discount.
                                                                     Telephone the relevant number shown on your
      For those of you with Third Party Fire & Theft                 card, 24 hours a day, 365 days a year.
      cover you can benefit from this service at a
      discounted rate.




                             Trucks Helplines Card

                            Policy
                            Number
                             24 Hour Claims Service                             0845 300 4006*
                             Windscreen Replacement                             0800 783 4695*
                             Legal Assistance Helpline                          01455 251500*
                             Breakdown Assistance (if covered)                  0800 0582801
                             European Assistance (if covered)                   +44 (0) 845 6782787
                             *For your protection, telephone calls may be recorded and monitored.




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                                                        Trucks Insurance Policy | 2




      contents
      Section                                Page No.
      Customer Information                         3
      What you should do in the event
      of an accident or theft                      4
      What our Claims Helpline and Priority
      Repairers have to offer                      5
      How to use the RSA windscreen repair/
      replacement service                          6
      How do you make your truck more secure 6
      What to do if you are taking your truck
      abroad                                       7
      What to do if...                             8
      Other useful points                          8
      Legal Assistance Plan                        9
      Have you thought about Breakdown cover? 9
      Definitions                                  13
      Section 1 Loss or Damage to the Motor
                Vehicle                            18
      Section 2 Liability to Third parties         22
      Section 3 Driving Abroad                     25
      Section 4 Other Clauses                      26
      Section 5 Conditions which apply to your
                whole Policy                       29
      Section 6 Exclusions which apply to your
                whole Policy                       32
      Section 7 No Claim Discount Protection       34
      Section 8 Legal Assistance Plan              35
      Section 9 Breakdown                          39
      Complaints Procedure                         46




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      customer Information                                 Motor Insurance Database

                                                           Information relating to motor insurance policies
      Data Protection Notice                               will be added to the Motor Insurance Database
                                                           (MID) managed by the Motor Insurers’ Bureau
      Please read the following carefully as it contains
                                                           (MIB). MID and the data stored on it may be
      important information relating to the details that
                                                           used by Insurers, the Police, DVLA/DVANI,
      you have given us.You should show this notice to
                                                           the Insurance Fraud Bureau or other bodies
      any other party related to this insurance.
                                                           permitted by law for purposes including, but not
      We are required to send you this information         limited to:
      to comply with current Data Protection
                                                           I.     Electronic Vehicle Licensing
      legislation. It explains how we may use your
      details and tells you about the systems we have      II.    Continuous Insurance Enforcement
      in place that allow us to detect and prevent
      fraudulent applications and claims. The savings      III.   Law enforcement (prevention, detection,
      that we make help us to keep premiums and                   apprehension and prosecution of offenders)
      products competitive.
                                                           IV.    Obtaining information if you are involved in
      Data Protection Act 1988                                    a road traffic accident (either in the UK, the
                                                                  EEA or certain other countries).
      All personal information supplied by you will
      be treated in confidence by the RSA Group of         Persons (including his or her appointed
      companies and will not be disclosed to any third     representatives) pursuing a claim in respect of a
      parties except where your consent has been           road traffic accident (including citizens of other
      received or where permitted by law. In order         countries) may also obtain relevant information
      to provide you with products and services this       which is held on the MID
      information will be held in the data systems of
      the RSA Group of companies or our agents or          It is vital that the MID holds your correct
      subcontractors.                                      registration number. If it is incorrectly shown
                                                           on the MID you are at risk of having your
      The RSA Group of companies may pass your             vehicle seized.
      personal information to other companies
      for processing on its behalf. Some of these          You can check that your correct registration
      companies may be based outside Europe in             number details are shown on the MID at
      countries that which may not have laws to            www.askmid.com
      protect your personal information, but in all
      cases the Group will ensure that it is kept          Fraud Prevention, Detection & Claims
      securely and only used for the purposes for          History
      which you provided it. Details of the companies
      and countries involved can be provided to you        •	 If false or inaccurate information is provided
      on request.                                             and fraud is identified, details will be passed
                                                              to fraud prevention agencies.

                                                           •	 Law enforcement agencies may access and
                                                              use this information.

                                                           •	 We and other organisations may also access
                                                              and use this information to prevent fraud
                                                              and money laundering, for example, when:



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                                                                                       Trucks Insurance Policy | 4




           –   Checking details on applications for           How to contact the Data Protection
               credit related or other facilities             liaison office

           –   Managing credit and credit related             On payment of a small fee you are entitled
               accounts or facilities                         to receive a copy of the information we hold
                                                              about you. If you have any questions, or you
           –   Recovering debt                                would like to find out more about this notice
                                                              you can write to
           –   Checking details on proposals and
               claims for all types of insurance              Data Protection Liaison Officer
                                                              Customer Relations Office
           –   Checking details of job applicants and         Royal & Sun Alliance Insurance plc
               employees                                      Bowling Mill
                                                              Dean Clough Industrial Estate
      •	 Please contact the Data Protection Liaison           Halifax
         Officer at the address below if you want             HX3 5WA
         to receive details of the relevant fraud
         prevention agencies

      •	 We and other organisations may access
         and use from the other countries the
         information recorded by fraud prevention
         agencies.                                            What you should do
      Claims History                                          in the event of an
      Insurers pass information to the Claims and             accident or theft
      Underwriting Exchange Register, run by Insurance
      Database Services Ltd (IDS Ltd) and the Motor           Naturally, we hope you don’t have an accident,
      Insurance Anti-Fraud and Theft Register, run by         but if you do, you may find the following advice
      the Association of British Insurers (ABI).              useful:

      The aim is to help us to check information              1) People are more important than property
      provided and also to prevent fraudulent claims.            and your first priority should be to check
      When we deal with a request for insurance, we              whether anybody is injured and attend to
      may search these registers.                                them, seeking medical help if necessary.

      Under the conditions of your policy, you must tell      2) Always stop if you are involved in an
      us about any incident (such as an accident, fire,          accident and exchange the following
      theft or malicious damage) which may or may                information:
      not give rise to a claim. When you tell us about
      an incident, we will pass information relating to it        –   Names and addresses (including those
      to the registers.                                               of any eye witnesses)

      We may search these databases when you apply                –   Insurance companies and addresses
      for insurance, in the event of any incident or claim,           (including policy numbers if known)
      or at time of renewal to validate your claims               –   Vehicle registration numbers.
      history or that of any other person or property
      likely to be involved in the policy or claim.




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      5 | Trucks Insurance Policy




      3) Do not admit you are to blame or offer
         any payment.                                    What our claims
      4) Draw a diagram of the accident scene.           Helpline and Priority
         This should include the position of the
         vehicles before, and after the accident, the
                                                         repairers have to offer
         road layout, any obstructions to your or        In an emergency...
         other road users’ vision, the position of any
         witnesses and anything else which could         If your truck is either stolen, or +immobilised/
         be relevant to the cause of the accident        unroadworthy due to an accident, fire, attempted
         e.g. speeds and distances involved, or the      theft or vandalism, within the UK, in order to
         weather conditions.                             provide practical help when you need it most we
                                                         have arranged the following services:
      5) IF ANYONE IS INJURED you must produce
         your Motor Insurance Certificate to the         •	 4hr Accident Recovery Service (UK)
         police or to anyone who has reasonable
         grounds for requiring it. If you can’t do       •	 48hr Replacement Vehicle*
         this at the scene of the accident you must
         produce it and report the accident to the       +By immobilised/unroadworthy we mean:
         police within 24 hours.                         Incapable of movement or illegal to use on a Public
                                                         Highway due to the vehicle’s damaged condition.
      6) In an Emergency, phone our 24 hour              *Our service provider will offer a choice of vans,
         Claims Service.                                 subject to availability.

      7) In other circumstances, phone our 24 hour       (N.B. A driver must be 18-80 years old with a
         Claims Service Helpline or your Broker/         full licence if you have COMPREHENSIVE cover,
         Insurance Adviser as soon as possible after     or 21-80 years old with a full licence if you have
         an accident.                                    THIRD PARTY FIRE & THEFT or THIRD PARTY
                                                         cover).
      8) If you receive any letters or documents
         about the accident, please send them            All you have to do is call the 24 hour Claims
         unanswered to us.                               Service Helpline on 0845 300 4006 to register
                                                         your claim.
      9) In the event of theft of your truck, you
         must report the incident to the Police and      Our service provider will be on hand to
         obtain a crime reference number as soon as      transport you and your passengers to your
         possible and phone ourselves, your Broker       home or intended single destination within
         or usual Insurance Adviser.                     the UK, up to a maximum distance of 50 miles
                                                         from the recovery location. If they are unable
                                                         to arrange transport, our Service Provider will
                                                         arrange overnight accommodation.

                                                         Our service provider usually arrives within an
                                                         hour of initial contact.

                                                         Providing your vehicle is repairable, our service
                                                         provider will then take your vehicle to your
                                                         nearest Priority Repairer to be assessed.




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                                                                                    Trucks Insurance Policy | 6




      To help keep your business on the road, they        Whether your windscreen is replaced or
      will also arrange for you to have a Replacement     repaired it will not affect your hard-earned
      Vehicle for 48 hours. This is not a courtesy        No Claim Discount.
      vehicle, e.g. will not be available where a
      roadworthy vehicle is in for repair.                Whether at the roadside or at our glass
                                                          replacement provider, please remember
      If your truck is still driveable...                 to produce your current Motor Insurance
                                                          Certificate.
      Our Claims Service Team will provide advice and
      assistance to help you get your truck back on the   The use of any other windscreen supplier
      road as quickly as possible and repaired to your    will not affect your right to claim.
      complete satisfaction.
                                                          If you have THIRD PARTY FIRE & THEFT or
      Our Motor Engineers will ensure that the repairs    THIRD PARTY cover, you can still use the 24
      to your truck will be completed to an acceptable    hour priority glass replacement service but
      standard and within pre-agreed costs.               you will have to pay the full cost of any glass
                                                          replacement. However, as an RSA customer you
      For your protection, telephone calls may be         will be entitled to discounted prices. Simply show
      recorded or monitored.                              your RSA Certificate to obtain your discount.

                                                          rsA - freephone 0800 783 4695


      How to use the rsA
      windscreen repair/                                  How do you make
      replacement service                                 your truck more
      A shattered windscreen can be both
      inconvenient and expensive to replace.
                                                          secure
      Therefore we have negotiated a priority service     With vehicle crime escalating, even in more rural
      with a glass replacement provider for customers     areas, it has become increasingly important to
      who have chosen COMPREHENSIVE cover.                protect your vehicle.
      A glass replacement provider will repair or
      replace your windscreen anywhere in the             We have therefore compiled a list of simple
      country, 24 hours a day, 365 days a year.           measures which you can take to reduce the risk
                                                          of vehicle crime:
      In the event of an emergency simply call them on
      the FREEPHONE number below.                         •	 Always lock your truck doors and shut
                                                             the windows whenever you leave your
      Windscreen excesses are shown in your                  truck, even if it is on your own driveway or
      schedule.You will be responsible for the excess        in your garage. Don’t forget to lock your
      and and VAT (if you are registered), all other         garage as well. A few seconds is all it takes
      costs will be charged direct to us.                    for a thief to steal your truck.




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      7 | Trucks Insurance Policy




      •	 Always take care where you park. If you
         have a garage at home – use it. When you             What to do if you
         are away from home try to use secure car
         parks. If this isn’t possible, avoid leaving it in
                                                              are taking your truck
         back streets or quiet areas because these
         are ideal working conditions for a thief. If
                                                              abroad
         you have to leave your truck outside at              RSA provides free foreign cover which satisfies
         night always try and park it in a well lit and       the legal minimum requirement for liabilities
         busy area.                                           to Third Parties when visiting the following
                                                              destinations:
      •	 Don’t leave items in view when you
         leave your truck unattended. Always                  All EU countries and in Liechtenstein, Norway,
         keep them away out of sight e.g. in a                Croatia, Iceland, Switzerland and Andorra.
         glove compartment or under a seat.
         Even when you are in the truck consider              This free foreign cover does not include loss or
         these precautions as it has been known               damage to the truck. However for an additional
         for thieves to reach through passenger               charge you can upgrade cover to the same as
         windows to steal items when the truck                you have in the UK.
         is stationary. If you have a removable
         radio don’t forget to take it with you               While Green Cards are not required for the
         when you leave your vehicle. If the radio            above countries they are still internationally
         is permanently fixed consider getting it             recognised as evidence of vehicle insurance. We
         security coded.                                      will provide you with a Green Card on request.

      •	 Don’t forget to remove all keys from your            A charge will also be made if you take your
         vehicle. Never leave your key in the ignition        truck to any other countries not specified
         when the truck is unoccupied e.g. at a petrol        above - please contact ourselves, your Broker or
         station, even if it is only for a few seconds.       Insurance Adviser in these instances.

      •	 Many vehicles are stolen after the keys              If your journey only involves travel to the
         have been stolen. Avoid leaving your jacket          Republic of Ireland, your policy cover applies in
         or coat unattended with your keys in the             full and a Green Card is not needed.
         pocket, even for a few seconds. Avoid
         leaving your keys in your business premises          You should take with you your Certificate of
         or in the home where they could easily be            Insurance, copy of your Policy and current
         seen by an intruder or where they could be           Schedule. In addition, you should contact your
         stolen through your letterbox.                       insurance adviser to request a Guidance When
                                                              Driving Abroad leaflet and European Accident
      •	 Consider fitting even the most basic                 Statement.
         physical security measures e.g. a steering
         wheel or handbrake locking device will               If you have an accident while abroad you can
         deter thieves. Better still consider fitting an      contact RSA from outside the UK on 0870 600
         engine immobilisation system, alarm system           2900 (24Hours).
         or both.

      While the above won’t necessarily prevent theft,
      it will reduce the chance of it happening to you.




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                                                                                       Trucks Insurance Policy | 8




      What to do if...                                       other circumstances change

                                                             As a condition of the policy, you should notify us
      you change your truck                                  of any material changes which could influence
                                                             our assessment of risk. Examples of a material
      If you change your truck please notify ourselves,
                                                             change would be if you or any other named
      your Broker or usual Insurance Adviser and we’ll
                                                             driver have been convicted of a motoring
      advise of any change of premium and send an
                                                             offence, a change in the use of your truck, or any
      updated policy schedule. We’ll need to know the
                                                             modification to the truck itself that may affect
      make, model, engine type, value, gross vehicle
                                                             its performance. This is not an exhaustive list
      weight, registration number, age and cubic
                                                             and should you be in any doubt please contact
      capacity of your new truck, and also if you’ve
                                                             ourselves, your Broker or usual Insurance Adviser.
      registered the truck in another name.

      you want to change drivers

      Your policy and certificate detail who you have
      named to drive your truck. If you wish to change
      the names, please contact ourselves, your Broker
                                                             Other useful points
      or Insurance Adviser to enable us to make the          How does no claim discount work
      necessary alteration.
                                                             You earn No Claim Discount for each year of
      you change your business address                       claim free driving, increasing annually up to a
                                                             maximum of 5 or more years, which, with Trucks,
      Please contact ourselves, your Broker or               gives a maximum discount from your base
      Insurance Adviser with full details of your new        premium. A single at-fault claim during a one year
      address including the business postcode as soon        period of insurance (or not at-fault claim if you
      as you know them, together with any change             are unable to recover your uninsured losses)
      in your garaging arrangements. We will then be         reduces your maximum No Claim Discount to
      able to advise you of any change in premium and        3 years and 2 at-fault claims will reduce your
      update your policy.                                    discount to 1 year. See page 26 of this policy for
                                                             full details.
      your health changes
                                                             However, if you have chosen to take NO CLAIM
      To be eligible for this policy all drivers suffering   DISCOUNT PROTECTION which is available
      from any disability/infirmity requiring notification   for Comprehensive cover then your hard earned
      to the DVLA must notify the DVLA and be                discount (4 years or more) will not be affected
      granted a licence to drive.                            unless you have more than 2 at-fault claims in 5
                                                             years. Windscreen breakage claims do not count.

                                                             What to do if you want to lay up your truck

                                                             If you want to take your truck off the road e.g.
                                                             for repairs, then you should contact ourselves,
                                                             your Broker or Insurance Adviser who will
                                                             recommend what course of action to take.
                                                             It may be advisable to lay up your truck on a
                                                             temporary basis rather than cancel your policy.




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      9 | Trucks Insurance Policy




      Legal Assistance Plan                                Have you thought
      Even the most experienced driver can be              about Breakdown
      involved in an accident. Unfortunately accidents
      can be both costly and particularly frustrating      cover?
      if they are not your fault and even if you are
      blameless you could still be out of pocket for       Breakdown cover is an optional cover available
      costs such as:                                       for Trucks with a gross vehicle weight not
                                                           exceeding 7.5 tonnes. Because everyone’s driving
      •	 Your policy excess                                needs are different, we offer four different levels
                                                           of cover.
      •	 Cost of truck hire or alternative transport
                                                           Roadside Assistance
      •	 Loss of earnings
                                                           This is our entry level of service and is ideal if
      •	 Compensation for personal injury                  you just intend to drive locally.

      •	 Temporary loss of use of your truck and           •	 Whether you have run out of petrol, have a
         other inconvenience.                                 flat tyre or break down mid-journey we are
                                                              here to help – as long as you are over one
      As a further service to our customers, we               mile from your home address
      have arranged through our third party service
      provider with whom we have an agreement, a           •	 We will make every attempt to repair your
      service which will make all reasonable efforts          vehicle on the spot
      on your behalf to recover the above expenses
      following a motor accident which is not your         •	 If your vehicle cannot be repaired on the
      fault. The legal costs involved in pursuing such a      roadside, we will take your vehicle and all
      claim are covered up to the amount shown in             passengers to the nearest garage or one of
      your schedule.                                          our recommended repairers

      With Legal Assistance Plan, you also have            •	 If you lock yourself out or lose your keys
      immediate and confidential access by phone to           we will help you get back in.
      a team of legal consultants who will give you
      advice and guidance on any motor-related legal       Roadside Assistance and Homecall
      matter. Please call the Legal Assistance helpline
                                                           This gives you protection both on the road and
      on 01455 251500.
                                                           right outside your house and includes all the
      We have provided all our Truck customers with        benefits of Roadside Assistance plus emergency
      Legal Assistance Plan cover automatically.           assistance, if you break down at home or within
                                                           one mile of your home address.




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                                                                                   Trucks Insurance Policy | 10




      Roadside Assistance, Recovery and                    Ready to help you 24 hours a day
      European Assistance
                                                           Whatever the problem, whatever the question,
      •	 As well as the benefits of Roadside               we are here to help. For Your convenience, we
         Assistance, we will take your vehicle home,       have a number of helplines to deal with various
         to a garage or one of our recommended             incidents from your vehicle breaking down to
         repairers or to your destination                  accidentally locking Your keys in your vehicle.

      •	 If your vehicle needs to be garaged               Breakdown Assistance
         overnight, we will arrange for emergency          0800 0582801
         overnight accommodation for you and your
         passengers                                        Open 24 hours

      •	 All of the above benefits apply if you are        European Assistance
         driving abroad.                                   +44 (0) 845 6782787

      Roadside Assistance, Recovery,                       Open 24 hours
      Homecall and European Assistance

      This is our optimum level of cover which
      combines all of the above levels. This offers you
      complete worry-free protection wherever you
      are driving in the UK and abroad.

      If you have not already taken advantage of this
      valuable option, you may wish to include it at
      renewal time.

      Service Standards

      For Breakdown in the UK, our service provider
      usually arrives within an hour of initial contact.




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      11 | Trucks Insurance Policy




      Guide to the benefits of Breakdown cover

                                                                                                      roadside
                                                                                        roadside      Assistance,
                                                                                        Assistance,   recovery,
                                                                           roadside     recovery &    Homecall
                                                              roadside     Assistance   European      & European
        Benefits                                              Assistance   & Homecall   Assistance    Assistance

       Up to one hour’s assistance at the                     4            4            4             4
       roadside

       Recovery of your vehicle, driver and up to eight       4            4            4             4
       passengers to a local garage

       Assistance if you have a flat tyre or                  4            4            4             4
       flat battery, have run out of fuel or
       have accidentally put the wrong fuel in your vehicle

       Assistance if you break or lose your car keys, or      4            4            4             4
       accidentally lock them in your vehicle

       Assistance at or within one mile of your home          8            4            8             4
       address

       Recovery of your vehicle, driver and up to eight       8            8            4             4
       passengers to any garage, your destination or home
       address

       Emergency overnight accommodation                      8            8            4             4

       Recovery of your truck and passengers if the driver is 8            8            4             4
       declared medically unfit to drive during the journey

       Cost of a standard-class rail ticket to collect your   8            8            4             4
       truck following repair

       Emergency message forwarding to let friends or family 4             4            4             4
       know you’ve broken down

       Emergency Assistance in Europe (all benefits listed    8            8            4             4
       above apply in Europe)


      Please read Your Schedule for the limits of cover and benefits provided by Your Policy, and read this
      policy booklet for any Conditions and Exclusions that may apply.

      Important note:- Onward transportation of goods is not part of the Breakdown service provided.
      However, if you require our assistance we will try to help – but this will be at your own expense and
      over and above the premium you have paid for the Breakdown service.




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                                                                                         Trucks Insurance Policy | 12




       THIS PoLICy (AND THE SCHEDuLE WHICH FoRMS AN INTEGRAL PART oF
       THE PoLICy) IS A LEGAL CoNTRACT. PLEASE ExAMINE IT THoRouGHLy
       To ENSuRE IT MEETS youR REquIREMENTS. IF IT DoES NoT PLEASE
       ADvISE youR INSuRANCE ADvISER WITHouT uNDuE DELAy.

       WE WouLD REMIND you THAT you ARE REquIRED To INFoRM uS
       WITHouT uNDuE DELAy, oF ANy FACTS oR CHANGES WHICH WE WouLD
       TAkE INTo ACCouNT IN ouR ASSESSMENT oR ACCEPTANCE oF THIS
       INSuRANCE. FAILuRE To Do So MAy INvALIDATE youR PoLICy oR RESuLT
       IN CERTAIN CovERS NoT oPERATING FuLLy. IF you ARE IN ANy DouBT
       AS To WHETHER A FACT IS MATERIAL oR NoT, PLEASE CoNTACT youR
       INSuRANCE ADvISER.



       Royal & Sun Alliance Insurance plc (herein called the Insurer) and the Policyholder agree that

       This Policy the Schedule (including any Schedule issued in substitution) the Statement of Fact and any
       Endorsement shall be considered one document and any word or expression to which is specific
       meaning has been attached shall bear such meaning wherever it appears

       The Statement of Fact or any information supplied by the Policyholder shall be incorporated in the
       contract

       The Insurer will provide the insurance described in this Policy within the Territorial Limits subject to the
       terms and conditions for the Period of Insurance shown in the Schedule and any subsequent period for
       which the Policyholder shall pay and the Insurer shall agree to accept the premium




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      13 | Trucks Insurance Policy




      trucks Policy                                         Definitions
      This is Your Trucks Policy.                           Audio,visual, Navigation and
                                                            Communication Equipment
      It is the evidence of the contract You have
      made with Us. We cover You during the Period          Permanently fitted in or designed solely for use
      of Insurance in the Territorial Limits in the         in the Motor Vehicle:
      terms set out in Your Trucks Policy, in return for
      payment of the premium.                               A) radio, cassette, compact disc or other
                                                               audio equipment
      Your Statement of Fact, this policy book,Your
      Schedule,Your Certificate of Insurance and any        B)   telephone or other communication
      Endorsements are all part of Your Policy and should        equipment
      be read together to avoid misunderstanding.
                                                            C) television or other visual entertainment
      They show which Trucks Sections are in force             equipment
      and contain the details of Your cover.
                                                            D) visual navigation equipment
      Your Statement of Fact is incorporated in and is
      part of this contract. You must tell Us as soon as    Accessories
      possible of any change to the information given
      on Your Statement of Fact as failure to do so         Additional supplementary parts of the
      may invalidate Your Policy. You should not wait       Motor Vehicle not related to its function as a
      until the next renewal date.                          vehicle including Audio, Visual, Navigation and
                                                            Communication Equipment
      No promotional literature or advice booklets
      form part of Your Policy.                             Breakdown

      Your Schedule shows which covers are in               The mechanical breakdown, breakage or failure
      force. You should read it carefully along with        of any part that is essential for Your Motor
      the relevant sections of Your policy book, Your       Vehicle to move
      Certificate of Insurance and any Endorsements.        British Isles
      You should also pay particular attention to the
      Conditions and Exclusions on pages 31 to 35 of        A) Great Britain
      this policy book.
                                                            B)   Northern Ireland
      These apply to every Trucks Section. If Your Policy
      is amended by any Endorsement, We will notify         C) the Isle of Man
      You in writing.
                                                            D) the Channel Islands
      Please make sure that Your Vans Policy meets
      Your requirements. If it does not, please tell Us     E)   transit by water, rail or air within or
      without undue delay.                                       between any of these territories, provided
                                                                 this transit is by a commercial carrier
      Cover will continue after the renewal date
      shown in Your Schedule only if We accept Your
      renewal premium.




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                                                                                    Trucks Insurance Policy | 14




      Cause of Action                                      Defined organisation

      The occurrence of an event during the Period         A) A motor garage or other similar motor
      of Insurance within the Territorial Limits and          trade business not belonging to You which
      which causes:                                           has custody of the Motor Vehicle for any of
                                                              the following purposes:
      A) accidental loss of or accidental damage to
         the Motor Vehicle or an attached Trailer               (i)   maintenance

      B)   accidental bodily injury to a Permitted User         (ii) repair
           while:
                                                                (iii) testing
           (i)   in the Motor Vehicle or
                                                                (iv) servicing
           (ii) getting into or out of the Motor Vehicle
                                                           B)   a hotel or restaurant or similar
      Where there is a series or continuance of                 establishment not belonging to You which
      events, the relevant date of the Cause of Action          has custody of the Motor Vehicle solely for
      will be that of the first event                           the purpose of parking

      Certificate of Insurance                             Emergency Assistance

      The document which provides evidence that an         Emergency assistance provided by our
      insurance contract is in force which satisfies the   appointed recovery agent
      requirements of the Road Traffic Acts
                                                           Emergency Treatment Fees
      Your Certificate of Insurance:
                                                           Payment for charges prescribed by the Road
      A) has the same number as Your Policy                Traffic Acts for emergency medical assistance
                                                           following a road traffic accident involving a
      B)   shows who may drive the Motor Vehicle           Motor Vehicle which We cover
      C) shows the uses to which the Motor Vehicle         Endorsement
         can be put
                                                           An amendment to Your Policy
      D) shows the uses to which the Motor Vehicle
         cannot be put                                     Excess

      Court of Summary Jurisdiction                        The amounts shown in Your Schedule which You
                                                           pay for any one incident resulting in a claim
      A Magistrates Court or a court of equivalent
      jurisdiction in the Territorial Limits               Immobilised

      Current List Price                                   Your Motor Vehicle cannot be driven, or is
                                                           regarded as unsafe or unfit to be used on a
      The cost (including taxes and delivery) of           public highway, as a result of the Breakdown
      replacing the Motor Vehicle with a new vehicle
      of the same make and model as advertised by
      the manufacturer




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      15 | Trucks Insurance Policy




      Legal Expenses                                     Market value

      A) Legal fees and                                  The cost of replacing the Audio, Visual,
                                                         Navigation and Communication Equipment with
      B)   other expenses                                Audio, Visual, Navigation and Communication
                                                         Equipment of the same:
      reasonably and properly incurred by a
      Permitted User in connection with Legal            A) make, model and
      Proceedings including:
                                                         B)   pre-loss or damage condition, specification
      (i) payments made by the Legal Personal                 and age
          Representative on the Permitted User’s
          behalf                                         The cost of replacing the Audio-Visual and
                                                         Communication Equipment with Audio-Visual
      (ii) costs which the Permitted User is required    and Communication Equipment of the same:
           to pay by the order of a court, tribunal,
           arbitrator or by agreement with our third     A) make, model and
           party service provider
                                                         B)   pre-loss or damage condition, specification
      Legal Personal Representative                           and age

      The solicitor or other appropriately qualified     Motor vehicle
      person or firm appointed to act for a
      Permitted User                                     The vehicles shown:

      Legal Proceedings                                  A) against Description of Vehicles in Your
                                                            Certificate of Insurance and
      A) Civil
                                                         B)   in Your Schedule
      B)   tribunal and
                                                         and in respect of which details have been
      C) arbitration                                     notified to and accepted by Us, and including
                                                         its spare parts, Accessories, windscreen and
      proceedings and any resulting appeals issued       windows, but excluding any Trailer not specified
      within the Territorial Limits arising out of a     in Your Schedule
      Cause of Action
                                                         Where We use the word ‘truck’ on its own We
      Licence Holder                                     refer to any truck or goods carrying vehicle
                                                         including the Motor Vehicle
      A person who:
                                                         No Claim Discount
      A) holds a licence to drive the Motor Vehicle
         or                                              A discount from Your premium in return for not
                                                         making or not having made a claim
      B)   has previously held a licence to drive
           the Motor Vehicle and is not presently        No Claim Discount Protection
           disqualified from obtaining another licence
                                                         Cover against loss of Your No Claim Discount




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                                                                                  Trucks Insurance Policy | 16




      Period of Insurance                                Replacement vehicle

      A) The duration of Your Policy, as shown on        Any motor vehicle supplied to You by Our
         Your Certificate of Insurance and               Replacement Vehicle Supplier following loss or
                                                         damage to the Motor Vehicle
      B)   any following period, but only if We accept
           Your renewal premium                          Replacement vehicle Supplier

      Permitted Driver                                   Any third party service provider with whom We
                                                         have an agreement to supply a Replacement
      Any person who:                                    Vehicle
      A) is shown on Your Certificate of Insurance       Road Traffic Act
         as being entitled to drive the Motor Vehicle
         and                                             Legislation which includes details of the
                                                         minimum cover for which motor insurance is
      B)   has Your permission to drive the Motor        required in the British Isles
           Vehicle
                                                         Schedule
      Permitted user
                                                         The document which describes:
      A) You
                                                         A) You
      B)   a Permitted Driver
                                                         B)   Permitted Drivers
      C) any passenger whom You or a Permitted
         Driver have authorised to be in the Motor       C) any details of Your Policy that are specific
         Vehicle                                            to You

      D) any person who is using but not driving the     Statement of Fact
         Motor Vehicle with Your permission
                                                         The document which provides details of:
      Policy
                                                         A) You
      The documents consisting of:
                                                         B)   other Permitted Drivers
      A) Statement of Fact
                                                         C) all material information relevant to the
      B)   this policy book                                 cover which You have requested

      C) Your Schedule                                   D) assumptions We have made about material
                                                            information. If these are incorrect You must
      D) Your Certificate of Insurance and                  inform Us.
      E)   any Endorsements




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      17 | Trucks Insurance Policy




      Territorial Limits                                  We, us, our, Insurer

      A) The British Isles                                Royal & Sun Alliance Insurance plc

      B)   The Republic of Ireland                        you,your, Policyholder, Insured

      C) transit by water, rail or air within or          Whoever is named as the Policyholder in:
         between any of these territories provided
         this transit is by a commercial carrier          A) Your Schedule and

      Terrorism                                           B)   Your Certificate of Insurance

      Acts of persons acting on behalf of or in
      connection with any organisation which carries
      out activities directed towards the overthrowing
      or influencing by force or violence of Her
      Majesty’s Government in the United Kingdom
      or any other government de jure or de facto

      Theft

      A) Theft

      B)   attempted theft

      C) the taking away of the Motor Vehicle
         without Your consent or the Owner’s
         consent

      Tools

      Hand tools belonging to You or Your employees
      or for which You are legally responsible and
      used in connection with Your business

      Trailer

      A trailer which is properly constructed to be
      towed by a Motor Vehicle, which is of a size
      appropriate for the capacity of the Motor
      Vehicle and which is used for the carriage of
      goods. Any plant permanently attached to a
      trailer shall be regarded as part of that trailer

      vehicle keys

      Any device used for starting Your Motor Vehicle
      or using its locks or immobiliser




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                                                                                    Trucks Insurance Policy | 18




      section 1 – Loss or                                     B)    the amount shown in Your Schedule
                                                                    for equipment not fitted by the
      Damage to the Motor                                           manufacturer as part of the
                                                                    vehicle’s original specification at first
      Vehicle                                                       registration

      A    Comprehensive Cover                                claim settlement

           This cover only applies if Your Schedule           Provided the loss or damage is covered
           shows that comprehensive cover is in force         under Your Policy, We will settle Your claim
                                                              as explained below, subject to any Policy
           What We cover                                      limits and any applicable Excess:

           We cover loss of or damage to:                     the Motor Vehicle

           A) the Motor Vehicle                               Following loss of or damage to the Motor
                                                              Vehicle We will:
           B)   a Trailer if specified in Your Schedule
                                                              (i)   authorise repair or pay for repair
           C) the windscreen including windows of                   to the damage where repair can be
              the Motor Vehicle                                     economically made
                                                                    Where We have offered repair but
           Maximum Amounts For Which We                             You prefer a cash settlement, We
           Provide cover                                            will pay You an amount equal to the
                                                                    amount which We would have paid
           In respect of the Motor Vehicle We provide               had the repair been made
           cover up to the following maximum
           amounts:                                           (ii) where the Motor Vehicle is lost and
                                                                   not recovered or where repair cannot
           A) the Market Value or                                  be economically made, We will pay
                                                                   the cost of replacing the Motor Vehicle
           B)   any amount specified in Your Schedule
                                                                   with a truck of the same Market Value
           whichever is the lower of A) or B) shown
                                                          B   Cover for fire and theft
           above
                                                              This cover applies if Your Schedule shows
           In respect of Audio, Visual, Navigation and
                                                              that third party fire & theft cover is in force
           Communication equipment We provide
           cover up to                                        What We cover
           A) the Market Value for equipment fitted           We cover loss or damage caused by fire,
              by the manufacturer as part of the              lightning, explosion and Theft to:
              vehicle’s original specification at first
              registration                                    A) the Motor Vehicle
                or                                            B)    a Trailer if specified in Your Schedule




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      19 | Trucks Insurance Policy




           C) the windscreen including windows of          E   Hiring and other Agreements
              the Motor Vehicle
                                                               If We know that the Motor Vehicle is the
           Maximum Amounts For Which We                        subject of a:
           Provide cover
                                                               A) hire purchase agreement or
           In respect of the Motor Vehicle We provide
           cover up to the following maximum amounts:          B)    vehicle leasing agreement or

           A) the Market Value or                              C) other agreement

           B)    any amount specified in Your Schedule         We will pay:

           whichever is the lower of A) or B) shown            (i)   the person or
           above
                                                               (ii) the organisation
           claim settlement
                                                               requiring payment under the terms of
           See ‘claim settlement’ under Part A                 the agreement and their receipt of the
           comprehensive cover of this Section                 payment will be a discharge of any claim
                                                               under this Section
      C    Extension of Cover
                                                           F   New Truck Cover
           While the Motor Vehicle is in the custody
           of a Defined Organisation the following             This cover only applies if Your Schedule
           Exclusions and Endorsements do not apply:           shows that comprehensive cover is in force

           A) Exclusions 1 and 2 of this Section               If the Motor Vehicle is less than one year
                                                               old from the date of the initial registration
           B)    Section 6 - ‘Exclusions Which Apply           at the time when it is:
                 to Your Whole Policy’ Part B Use and
                 Driving Which We Do Not Cover,                A) totally destroyed or
                 paragraphs A) and C)
                                                               B)    lost and not recovered or
      D    Recovery and Redelivery of the
           Motor vehicle                                       C) damaged and the cost of repair would
                                                                  exceed 60% of its Current List Price
           Provided the loss or damage is covered                 immediately before the accident
           under Your Policy, We will pay the
           reasonable cost of:                                 We will contribute towards the
                                                               replacement of the Motor Vehicle with a
           A) protection of the Motor Vehicle and              new truck of the same make and model
              removal of the Motor Vehicle, if it              provided that:
              cannot be driven, to the nearest
              repairer                                         (i)   the Motor Vehicle was purchased
                                                                     new by You and belongs to You or is
           B)    delivery of the Motor Vehicle after its             supplied to You under a hire purchase
                 repair or recovery to Your address in               agreement and
                 the British Isles




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                                                                                    Trucks Insurance Policy | 20




           (ii) a new truck of the same make and           C) 25 years of age or more but holds a
                model is currently available for sale in      provisional licence or has held a full
                the British Isles                             licence to drive a Motor Vehicle for less
                                                              than 12 months
           The total additional amount payable
           above the Motor Vehicle’s Market Value          These excesses will apply in addition to any
           immediately prior to the loss or damage         Excess shown in the Schedule
           will not exceed the limit shown in Your
           Schedule                                        This Exclusion does not apply to loss or
                                                           damage:
      G    Replacement Locks
                                                           i)   caused by fire, lightning, explosion or Theft
           If the the Vehicle Keys of Your Motor
           Vehicle are lost or stolen We will pay the      ii) to the windscreen including windows
           cost of                                              where this is the only damage to the
                                                                Motor Vehicle other than scratching of
           A) replacing the door locks including                bodywork resulting from the breakage
              boot lock
                                                           Exclusion 2 Accidental Damage Excess
           B)   replacing the ignition/steering lock
                                                           You must pay the Excess shown in Your
           C) replacing the lock transmitter and           Schedule in respect of any loss of or damage to
              central locking interface                    the Motor Vehicle under this section other than:

           D) re-coding or if necessary replacing the      A) loss or damage to the windscreen including
              alarm system                                    windows where this is the only damage to
                                                              the Motor Vehicle other than scratching of
           The maximum amount We will pay as a                bodywork resulting from the breakage
           result of the loss or theft of Vehicle Keys
           will not exceed the limit shown in Your         B)   loss or damage caused by fire, lightning,
           Schedule                                             explosion or Theft

      Exclusions to Section 1                              Exclusion 3 Windscreen and Windows Excess

      Exclusion 1 Young or Inexperienced                   You must pay the Excess shown in Your
      Driver Excess                                        Schedule in respect of:

      In respect of each and every occurrence:             A) any claim for the windscreen including
                                                              windows of the Motor Vehicle
      You must pay the Excess shown in Your
      Schedule in respect of any claim for loss or         B)   any claim for any repairs to the bodywork
      damage if the Motor Vehicle is being driven by            resulting from the breakage
      or is in the charge of a person who is:
                                                           If the registration number of a Motor Vehicle
      A) under 21 years of age                             is shown against this Excess, this Endorsement
                                                           only applies to that Motor Vehicle
      B)   under 25 years but not under 21 years
           of age




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      21 | Trucks Insurance Policy




      Exclusion 4 theft Excess                                   (iii) damage to tyres caused by braking or
                                                                       by punctures, cuts or bursts
      You must pay the Excess shown in Your
      Schedule in respect of any claim for loss or               (iv) loss or damage due to the theft or
      damage caused by Theft under this Section                       attempted theft of the Motor Vehicle
      other than:                                                     while it is unattended and unlocked
                                                                      with the Vehicle Keys in or on the
      A) loss or damage to the windscreen including                   Motor Vehicle
         windows where this is the only damage to
         the Motor Vehicle other than scratching of              (v) loss or theft of portable satellite
         bodywork resulting from the breakage                        navigation systems when the
                                                                     Motor Vehicle is left unattended or
      B)   loss or damage occurring within a locked                  unoccupied unless they are stored out
           garage or building                                        of sight in a locked boot or locked
                                                                     glove compartment
      C) loss or damage occurring as a result of the
         Motor Vehicle being taken from a locked                 (vi) mobile telephones or other
         garage or building                                           communication equipment not
                                                                      permanently fitted in nor designed
      If the registration number of a Motor Vehicle                   solely for use in the Motor Vehicle.
      is shown against this Excess, this Endorsement
      only applies to that Motor Vehicle                    B)   We do not cover loss by deception
      Exclusion 5 trailers

      We do not provide cover for loss or damage
      to Trailers unless the Trailer is specified in Your
      Schedule

      Exclusion 6 trailer theft Excess

      You must pay a £250 Excess in respect of any
      claim for loss or damage to a detached Trailer
      caused by Theft unless the loss or damage
      occurred as a result of the Trailer being taken
      from a locked garage or building

      Exclusion 7 General Exclusions

      A) We do not cover:

           (i)   loss of value following repair

           (ii) loss of use depreciation wear and
                tear or mechanical electrical
                electronic or computer failure
                breakdowns or breakages




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                                                                                    Trucks Insurance Policy | 22




      section 2 – Liability to                                        (ii) causing death by dangerous
                                                                           driving
      third Parties                                              C) other legal fees, costs and expenses
      Sub-Section 1A Cover if you are Driving                       incurred with Our written consent

      We cover You in respect of legal liabilities which    Sub-Section 2 Cover for other People
      You incur in respect of:                              We cover the following people for legal
      A) death of or bodily injury to any persons           liabilities to others in the same way that We
         (including passengers)                             cover You under Sub-Section 1A Cover if You
                                                            are Driving and Sub-Section 1B Cover for Legal
      B)   loss of or damage to material property           Fees, Costs and Expenses
           up to the limit of liability shown in Your
           Schedule any one claim or number of              A) any Permitted Driver
           claims arising out of one cause                  B)   any passenger in the Motor Vehicle
      C) stoppage of or interference with pedestrian        C) (i)    any Principal with whom You have an
         vehicular rail air or waterborne traffic or                  agreement
         escape or discharge of any substance or gas
         up to a limit of £1,000,000 any one claim or            (ii) any Hirer of the Motor Vehicle other
         number of claims arising out of one cause                    than under a hire purchase agreement
                                                                      provided that We shall not be liable
           in connection with the use of the Motor                    in respect of liability arising from the
           Vehicle (including loading and unloading)                  act default or neglect of the Principal/
           or an attached Trailer                                     Hirer his servant or agent
      D) a Replacement Vehicle which is being used          D) the Legal Personal Representatives of any
         or driven in the British Isles or Republic of         person entitled to indemnity under this
         Ireland but only where there is no other              Section in respect of liability incurred by
         insurance in place to cover the same liability        that person
      Sub-Section 1B Cover for Legal Fees,                  Sub-Section 3 Cover for Employees’
      Costs and Expenses                                    vehicles
      We cover You in respect of claims under               We will indemnify You and no other person
      Sub-Section 1A Cover if You are Driving for:          in the terms of Sub-Section 1A Cover if You
           A) solicitors’ fees for representation at any:   are Driving while any Motor Vehicle not the
                                                            property of or provided by You is being used in
                (i)   Coroner’s Inquest or                  connection with Your business by any person in
                                                            Your employ
                (ii) Fatal Inquiry or

                (iii) Court of Summary Jurisdiction

           B)   the costs of defence against a charge of:

                (i)   manslaughter or




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      23 | Trucks Insurance Policy




      We will not cover any liability                        Extensions to Section 2

      A) if there is any other insurance covering the        towing
         same liability
                                                             This Policy shall operate while the Motor Vehicle
      B)   for loss of or damage to the Motor Vehicle        is being used for the purpose of towing

      Sub-Section 4 Cover in the European                    A) one disabled mechanically-propelled vehicle
      union
                                                             B)   any Trailer
      We provide cover to satisfy the legal minimum
      insurance requirements of the following countries,     Provided always that the vehicle or Trailer being
      including legal fees, costs and expenses incurred      towed is not towed for reward
      with Our written consent, while the Motor Vehicle
      or an attached Trailer is in any of these countries:   We do not cover:

      A) any country which is a member of the                A) loss or damage to the towed vehicle or
         European Union                                         Trailer or property being conveyed by such
                                                                vehicle or Trailer
      B)   any country:
                                                             B)   the Motor Vehicle to which any Trailer is
           (i)   which agrees to meet European                    attached if it is drawing a greater number
                 Commission Directives on motor                   of trailers than is permitted by law
                 insurance and
                                                             Exclusions to Section 2
           (ii) of which the European Commission is
                satisfied that arrangements have been        We do not cover:
                made to meet the requirements of
                                                             A) the legal liability of any person who is driving
                these Directives
                                                                unless that person is a Licence Holder
      Sub-Section 5 our Right to Recover
                                                             B)   the legal liability of any person other than
      Payment
                                                                  the driver or attendant of the Motor
      If We make any payment under any part of                    Vehicle arising from loading or unloading
      Section 2:                                                  beyond the limits of any carriageway or
                                                                  thoroughfare
      A) solely because of the requirements of any
         law and                                             C) the legal liability of any person:

      B)   which We would not have paid under the                 (i)   who is not driving but
           terms of Your Policy if that law had not
                                                                  (ii) who is claiming cover
           required Us to make that payment
                                                                        if that person knows that the driver is
      You will be obliged to repay to Us any such
                                                                        not a Licence Holder
      payment
                                                             D) the legal liability of any person other than
                                                                You if that person is entitled to cover
                                                                under any other insurance policy




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                                                            Trucks Insurance Policy | 24




      E)   loss of or damage:

           (i)   to the Motor Vehicle including any
                 truck which is being driven under the
                 terms of Sub-Section 1A Cover if You
                 are Driving, paragraph B)

           (ii) to any property which is owned by or
                in the custody of the person who is
                making a claim under this Section

      F)   death of or bodily injury to any person
           arising out of that person’s employment
           except as required by any relevant road
           traffic legislation

      G) any legal liability, except as required by any
         road traffic legislation, which arises from
         the use of any vehicle which We cover
         under this Section while it is on any part
         of any commercial or military airport or
         airfield used for:

           (i)   the take-off, landing or movement of
                 aircraft on the ground

           (ii) aircraft parking, including any
                associated service roads, refuelling
                areas, ground equipment parking
                areas, aprons, maintenance areas and
                hangars

      H) liabilities arising out of Trailers detached
         from the Motor Vehicle unless the Trailer is
         specified in Your Schedule

      I)   liabilities arising out of an attached Trailer
           if the Motor Vehicle is drawing a greater
           number of Trailers than is permitted by law

      J)   for liabilities arising out of the use of
           an unspecified Trailer as a tool - except
           as required by any relevant road traffic
           legislation

      K)   any consequence of Terrorism except
           as required by any relevant road traffic
           legislation




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      25 | Trucks Insurance Policy




      section 3 – Driving                                    We will also cover You against general
                                                             average contribution salvage and sue
      Abroad                                                 and labour charges arising from the
                                                             transportation of Your Motor Vehicle by
      A    Cover under This Section                          sea between any countries to which this
                                                             insurance applies
           We provide cover to satisfy the legal
           minimum insurance requirements of the
           countries specified in Section 2 - Liability to
           Third Parties Sub-Section 4 Cover in the
           European Union only

      B    Extension of Cover

           Where You have:

           (i)   requested the cover in advance on
                 leaving the UK

           (ii) provided Us with details of the Motor
                Vehicle to be covered

           (iii) provided Us with details of the
                 countries to be visited

           (iv) provided Us with details of the length
                of Your stay

           (v) provided Us with details of who will
               drive

           (vi) paid an additional premium

           and We agree, We will cover loss or
           damage to the Motor Vehicle

      C    other Charges

           If Your cover has been extended under B
           Extension of Cover above We will pay the
           enforced payment of customs duty that
           You must pay as a direct result of loss or
           damage covered by Your Policy




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                                                                                       Trucks Insurance Policy | 26




      section 4 – Other                                       NcD At POLIcY                      NcD

      clauses                                                 stArt DAtE Or
                                                            PrEVIOus rENEWAL
                                                                                             FOLLOWING A
                                                                                            cLAIM-FrEE YEAr
      A    Rallies, Competitions and Trials                     5 or more years              5 or more years
                                                                     4 years                      5 years
           While any truck which We cover is used                    3 years                      4 years
           in any:                                                   2 years                      3 years
                                                                     1 year                       2 years
           A) rally or                                                 Nil                        1 year

           B)    competition or
                                                                Your No Claim Discount will be reduced
           C) motor trial                                       each year as shown below if an incident
                                                                occurs during the Period of Insurance
           We restrict cover to those legal liabilities         which results in a claim:
           for which insurance is compulsory under
           the Road Traffic Acts and We provide no
           other cover under Your Policy                       NcD At                 NcD FOLLOWING
                                                            POLIcY stArt             A cLAIM Or cLAIMs
           We do not apply this limitation in respect         DAtE Or                               Three
           of any event organised to encourage road           PrEVIOus            One       Two    or More
           safety or a treasure hunt in respect of            rENEWAL             Claim    Claims   Claims
           which:                                           5 or more years       3 years     1 year       Nil
                                                                 4 years          2 years      Nil         Nil
           (i)   the route does not exceed 100 miles             3 years          1 year       Nil         Nil
                 and                                             2 years            Nil        Nil         Nil
                                                                 1 year             Nil        Nil         Nil
           (ii) no merit is attached to the
                competitor’s performance while
                driving except in relation to good              Payment made for the following does not
                road behaviour and compliance with              affect Your No Claim Discount entitlement:
                the Highway Code and
                                                                A) Emergency Treatment Fees
           (iii) if the event includes driving tests then
                 the driving area must not exceed 100           B)   breakage of glass in the windscreen
                 metres square and tests must not be                 including windows where this is the
                 timed                                               only damage to the Motor Vehicle
                                                                     other than any scratching of bodywork
      B    No Claim Discount                                         resulting from the breakage
           Your No Claim Discount will be increased         C   More Than one Motor vehicle Insured
           each year as shown below provided no
           incident occurs during the Period of                 If We cover more than one Motor Vehicle
           Insurance which results in a claim:                  under Your Policy then Part B no claim
                                                                discount of this Section applies separately
                                                                to each Motor Vehicle




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      27 | Trucks Insurance Policy




      D    Emergency Treatment                             H   Personal Accident

           We cover any Permitted User for legal               If Your Schedule shows comprehensive
           liability for Emergency Treatment Fees              cover is in force We will pay the following
                                                               benefits to the driver of the Motor
      E    Cross Liabilities                                   Vehicle (or the driver’s Legal Personal
                                                               Representative) if the driver while in or
           If the Policyholder comprises more                  getting into or out of the Motor Vehicle
           than one party (which in the case of                sustains bodily injury by accidental
           a partnership includes each individual              external violent and visible means which
           partner) We will cover each party’s liability       independently of any other cause within
           against the other as if the other was not           three months of the accident result in
           included as a Policyholder
                                                               (i)   death
      F    Personal Effects
                                                               (ii) complete and permanent loss of sight
           If Your Schedule shows comprehensive                     of any eye
           cover is in force, if personal clothing or
           effects are lost or destroyed by fire, theft        (iii) loss by severance of a limb at or
           or accident while in or on the Motor                      above the wrist or ankle
           Vehicle We will pay You or if You so wish,
           the owner of the property in cash to the            The maximum amount We will pay in
           value of loss or damage up to the limit             respect of any one incident will not exceed
           shown in Your Schedule per incident                 the limit shown in Your Schedule

           We do not cover :                                   We do not cover:

           (i)   Money, stamps, tickets, documents or          A) any person seventy five years of age
                 securities                                       or over

           (ii) Business stock tools or equipment              B)    an accident in connection with which
                used for business purposes                           the driver sustaining the injury fatal or
                                                                     otherwise
           (iii) Theft of any property from a pickup
                 truck unless stolen from the cab of                 (i)   was convicted under Part 1 of
                 the Motor Vehicle                                         the Road Safety Act 1967 or
                                                                           under Section 6 of the Road
      G    Medical Expenses                                                Traffic Act 1960 or any similar
                                                                           drink and driving legislation in
           If Your Schedule shows comprehensive                            other territories or any amending
           cover is in force We will, at Your request,                     legislation
           pay medical expenses for each occupant
           of the Motor Vehicle who, as a direct result              (ii) was found by a post mortem
           of an insured incident sustains bodily injury                  examination to have a higher
           up to the limit shown in Your Schedule per                     level of alcohol in his blood than
           injured person                                                 is prescribed in the Road Safety
                                                                          Act 1967 or similar legislation in
                                                                          other territories or any amending
                                                                          legislation




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                                                            Trucks Insurance Policy | 28




      I    Tools in Transit

           If Your Schedule shows comprehensive
           cover is in force, if Tools are lost or
           damaged by fire, theft or accident while in
           or on the Motor Vehicle We will pay You or
           if You so wish, the owner of the property in
           cash to the value of loss or damage up to a
           limit of £500 per incident

           We do not cover :

           (i)   Theft of any property unless stolen from
                 the locked cab of the Motor Vehicle

           (ii) lap top palm top or similar portable
                computer equipment

           (iii) satellite navigation or similar
                 communication equipment

           (iv) mobile cellular WAP or other portable
                telephone equipment




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      29 | Trucks Insurance Policy




      section 5 – conditions                                 You must not:

      Which Apply to Your                                    A) admit

      Whole Policy                                           B)   deny

                                                             C) negotiate or
      A    Notification of a Claim
                                                             D) promise to pay
           You must notify any of the following to Us
           as soon as possible:                              any claim without Our written consent
           A) any incident which may give rise to a          We will not unreasonably withhold Our
              claim                                          consent
           B)    civil or criminal proceedings           C   Fraud
           If there has been a Theft You must tell the       If any claim is in any respect fraudulent
           Police as soon as possible                        or if any fraudulent means or devices are
                                                             used by You, any other Permitted User or
           We may request You to provide all details
                                                             anyone acting on Your or their behalf to
           in writing together with any supporting
                                                             obtain benefit under Your Policy, all benefits
           evidence which We may reasonably require
                                                             under Your Policy will be lost
           If any of the following documents are
                                                         D   Alteration in Risk
           served on You or any other person in
           connection with any incident then they            You must notify Us as soon as possible
           must be sent to Us as soon as possible:           of any alteration in risk which materially
                                                             affects Your Policy
           (i)   writs
                                                             Material information would include:
           (ii) summons
                                                             A) any special feature of the Motor
           (iii) other legal documents
                                                                Vehicle
           (iv) letters of claim
                                                             B)   any special use of the Motor Vehicle
           (v) other correspondence
                                                             C) the Motor Vehicle’s location
           You must not answer any correspondence
                                                             D) the history of any driver
           without Our written consent
                                                             E)   a health condition which affects any
           We will not unreasonably withhold Our
                                                                  driver
           consent
                                                             or any other relevant information which
      B    Conduct of the Claim
                                                             makes losses more likely to happen or
           You must give Us whatever information or          makes losses more serious if they do
           assistance We reasonably request                  happen




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                                                                                  Trucks Insurance Policy | 30




           We may re-assess Your Policy cover and             We may cancel Your Policy and if We do
           premium following notification of material         We will:
           information
                                                              A) write to You at Your last known
           Failure to disclose all material information          address (and in the case of Northern
           may result in:                                        Ireland to the Department of the
                                                                 Environment for Northern Ireland)
           (i)   the wrong terms being quoted                    confirming that all cover will cease 14
                                                                 days after the date of Our letter
           (ii) a claim being rejected or reduced
                                                              B)   give You a refund of premium for the
           (iii) Your Policy being invalid                         unexpired period of cover
      E    Looking after your Motor vehicle                   You must return Your current Certificate of
                                                              Insurance to Us if We cancel Your Policy
           You must take reasonable precautions to
           keep the Motor Vehicle in a roadworthy         G   Non Payment / Consumer Credit
           condition                                          Termination Clause
           You must ensure that reasonable                    We reserve the right to terminate the
           precautions are taken at all times to              policy in the event that there is a default in
           prevent injury and safeguard the Motor             instalment payments due under any linked
           Vehicle from loss or damage                        loan agreement
      F    Cancelling your Policy                             You must return Your current Certificate of
                                                              Insurance to Us if We cancel Your Policy
           You may cancel Your Policy by giving Us
           written instructions and returning Your        H   other Insurance
           current Certificate of Insurance to Us
                                                              Where a claim is covered under Your Policy,
           If You pay Your premium annually We                and this claim is covered by any other
           will give You a full refund of premium             insurance, We will only pay Our share of
           for any unexpired period of cover when             the claim
           We receive Your current Certificate of
           Insurance                                      I   Exercising your rights on your behalf
           If You pay Your premium by instalments             If We or our third party service provider
           We will give You a full refund of premium          ask, You or any other Permitted User
           for any unexpired period of cover when             making a claim must at any time:
           We receive Your current Certificate of
           Insurance. You should also instruct Your           A) take or
           Bank or Building Society to cancel Your
           instalment arrangement.                            B)   allow Us or our third party service
                                                                   provider to take in Your name or the
                                                                   name of the Permitted User

                                                              all the steps needed to enforce Your rights
                                                              or those of the Permitted User against




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      31 | Trucks Insurance Policy




           any other person, including the defence or        b)    building or
           settlement of any claim or the pursuit of a
           claim in any person’s name                        c)    secure compound or

           We will pay any reasonable costs and              d)    secure car park
           expenses involved
                                                             We will only provide cover for loss of or
      J    Access to the Motor vehicle                       damage to Your Motor Vehicle caused by
                                                             Theft or malicious damage between the
           We will have free access to examine the           hours of 22.00 and 06.00 and arising at the
           Motor Vehicle at all reasonable times             overnight postcode if at the time of such
                                                             loss or damage
      k    Law Applicable
                                                             i)    the Motor Vehicle was kept in the
           Under the laws of the United Kingdom                    overnight location shown in Your
           (England, Scotland, Wales and Northern                  Schedule and
           Ireland) both You and We may choose the
           law which applies to this contract to the         ii)   the overnight location was locked and
           extent permitted by those laws. Unless                  secured at the time of such loss or
           You and We agree otherwise in writing We                damage
           have agreed with You that the law which
           applies to this contract is the law which     M   Application of limits
           applies to the part of the United Kingdom
           in which You are based or if You are based        The maximum amount We will pay
           in the Channel Islands or the Isle of Man         irrespective of the number of parties
           the law of whichever of those two places          covered by Your Policy having a claim under
           in which You are based.                           Your Policy shall not exceed in whole any
                                                             limits shown in Your Policy or Your Schedule
           We and You have agreed that any legal
           proceedings between You and Us in                 For the purposes of any limits shown
           connection with this contract will only           in Your Policy or Your Schedule all
           take place in the courts of the part of the       parties included in the definition of the
           United Kingdom in which You are based             Policyholder and covered under Your
           or if You are based in either the Channel         Policy will be treated as one Policyholder
           Islands or the Isle of Man the courts of          and there will be only one contract of
           whichever of those two places in which            insurance between the Policyholder and Us
           You are based.
                                                         N   Compliance with Policy Terms
           Please add the following new sections as
                                                             It is a condition of Your Policy that You comply
           below:
                                                             with the terms and conditions of Your Policy
      L    overnight Garaging                                and that any other person covered by Your
                                                             Policy as though they were You with the
           If Your Schedule shows that the overnight         terms and conditions of Your Policy
           location of Your Motor Vehicle is a

           a)    private garage or




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                                                                                       Trucks Insurance Policy | 32




      section 6 – Exclusions                                         (ii) who You know is not a Licence
                                                                          Holder
      Which Apply to Your                                      D) driven by or in the charge of any
      Whole Policy                                                person under 25 years of age unless
                                                                  that person is named in Your Schedule
      A    Changes or additions to the vehicles
           to be Insured                                       Paragraphs A) and C) above of this
                                                               Exclusion do not apply in respect of claims
           The Insurers will not indemnify the                 under Section 1 – ‘Loss or Damage to the
           Policyholder in respect of any vehicle unless       Motor Vehicle’ when the Motor Vehicle is in
                                                               the custody of a Defined Organisation
           A) the Insurers already have details of this
              vehicle or                                   C   Liability Which Results From An
                                                               Agreement
           B)   details of any changes or additions to
                the vehicle(s) to be insured are given         We do not cover any liability which results
                to the Insurers immediately and the            solely from an agreement
                Insurers accept them and
                                                           D   Radioactive Contamination
           C) C) the Insurers have issued a
              certificate of motor insurance                   We do not cover any:

           The policyholder must return any obsolete           A) loss of or damage to any property
           certificate of motor insurance to the
                                                               B)    legal liability
           Insurers.
                                                               C) expense
      B    use and Driving Which We Do Not
           Cover                                               D) bodily injury
           We do not cover any claim under any                 E)    any other loss
           Section of Your Policy occurring while a
           truck which We cover is being:                      which is directly or indirectly caused by or
                                                               arising from or contributed to by:
           A) used with Your permission but is
              being driven or used outside the                 (i)   ionising radiations or contamination
              circumstances defined in Your                          by radioactivity from any nuclear fuel
              Certificate of Insurance                               or from any nuclear waste from the
                                                                     combustion of any nuclear fuel
           B)   driven by You unless You are a Licence
                Holder                                         (ii) the radioactive, toxic, explosive or
                                                                    other hazardous properties of any
           C) driven with Your permission by any                    explosive nuclear assembly or nuclear
              person:                                               component of it
                (i)   who is not permitted to drive in
                      Your Certificate of Insurance or




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      33 | Trucks Insurance Policy




      E    War Risks                                        H   Pollution

           We do not cover any:                                 We do not cover:

           A) loss of or damage to any property                 A) death of any person

           B)    legal liability                                B)   bodily injury to any person or

           C) expense                                           C) damage to any property which
                                                                   is directly or indirectly caused by
           D) bodily injury                                        pollution or contamination unless this
                                                                   pollution or contamination is directly
           E)    any other loss                                    caused by an incident which occurs in
                                                                   its entirety at a specific time and place
           which is directly or indirectly caused by or            during the Period of Insurance and is:
           arising from or contributed to by:
                                                                     (i)   sudden
           (i)   war, invasion, act of foreign enemy or
                 hostilities (whether war is declared                (ii) identifiable
                 or not)
                                                                     (iii) unintended and
           (ii) civil war, rebellion, revolution,
                insurrection or military or usurped                  (iv) unexpected
                power
                                                                All pollution which arises out of one
           except so far as is necessary to meet the            incident will be considered to have
           requirements of any relevant road traffic            occurred at the time when this incident
           legislation                                          takes place
      F    Riot and Civil Commotion                             We will not apply this Exclusion in
                                                                circumstances where it is necessary to
           We do not cover any consequence of riot              meet the requirements of any relevant
           or civil commotion occurring in Northern             road traffic legislation
           Ireland

           We do not apply this Exclusion to Section
           2 - ‘Liability to Third Parties’

      G    Sonic Bangs

           We do not provide cover under Section
           1 - ‘Loss or Damage to the Motor Vehicle’
           of Your Policy in respect of loss or damage
           which is caused by pressure waves from
           aircraft or other aerial devices travelling at
           sonic or supersonic speed




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                                                                                   Trucks Insurance Policy | 34




      section 7 – No claim                                  B   More Than one Motor vehicle Insured

      Discount Protection                                       If We cover more than one Motor Vehicle
                                                                under Your Policy then Part A No Claim
      This Section is only applicable if Your Schedule          Discount Protection of this Section applies
      shows that it is in force                                 separately to each Motor Vehicle

      Section 4 - Other Clauses, B No Claim
      Discount and C More Than One Vehicle Insured
      are replaced by the following:

      A    No Claims Discount Protection

           If You have selected No Claim Discount
           Protection then Your No Claim Discount
           will remain at 4 or more years following up
           to two at fault claims in five consecutive
           Periods of Insurance

           Your No Claim Discount will be reduced
           as below following three or more claims in
           five consecutive Periods of Insurance

         PrOtEctED          NcD AFtEr 3 Or MOrE
           NcD At         cLAIMs IN 5 cONsEcutIVE
        POLIcY stArt       PErIODs OF INsurANcE
          DAtE Or                            More
          PrEVIOus         Three     Four  than Four
          rENEWAL         Claims    Claims   Claims
             4 years      2 years     Nil         Nil
        5 or more years   3 years    1 year       Nil


           While We may review Your Policy cover and
           premium following a claim this will not affect
           Your No Claim Discount Protection unless
           there have been three or more claims in
           five consecutive Periods of Insurance

           B) breakage of glass in the windscreen
           including windows where this is the only
           damage to the Motor Vehicle other than
           any scratching of bodywork resulting from
           the breakage




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      35 | Trucks Insurance Policy




      section 8 – Legal                                   D) We do not cover actions taken
                                                             in constitutional, international or
      Assistance Plan                                        supranational courts or tribunals

      This Section is only applicable if Your Schedule    E)   We will not pay Legal Expenses
      shows that Legal Assistance Plan is in force             for Legal Proceedings commenced
                                                               by a Permitted User before the
      A    Cover Which We Provide under                        appointment of the Legal Personal
           Section 8 - Legal Assistance Plan                   Representative by our third party
                                                               service provider
           A) Our third party service provider will
              use reasonable endeavours to recover        F)   We do not cover amounts incurred
              uninsured losses for a Permitted User            before We or our third party service
              arising from a Cause of Action                   provider accept the claim in writing
                                                               unless otherwise agreed by Us or our
           B)    We cover a Permitted User following           third party service provider
                 a Cause of Action for Legal Expenses
                 incurred by the Permitted User and       G) We do not cover any Legal Expenses
                 the Legal Personal Representative           incurred as a result of delays by a
                 in respect of the pursuit of Legal          Permitted User which in our third
                 Proceedings                                 party service provider’s reasonable
                                                             opinion are prejudicial to the case
      B    Claim Settlement
                                                          H) We do not cover Legal Expenses
           We will pay up to the amount shown                which become payable as a result
           in Your Schedule in respect of any one            of the withdrawal from Legal
           incident regardless of the number of              Proceedings by a Permitted User
           Permitted Users involved in the incident          without Our or our third party service
                                                             provider’s consent
      C    What We Do Not Cover under
           Section 8 - Legal Assistance Plan                   We or our third party service provider
                                                               will be entitled to recover from the
           A) Our third party service provider will            Permitted User any sums paid during
              not attempt recovery of uninsured                the course of the Legal Proceedings as
              losses notified to Us or our third               a result of this withdrawal
              party service provider more than 180
              days after the Cause of Action arose        I)   We do not cover expenses of an
                                                               expert witness unless our third party
           B)    We do not cover Legal Expenses                service provider has given written
                 in respect of Legal Proceedings               approval before the appointment of
                 where We or our third party service           such witness
                 provider are notified of a claim under
                 this Section more than 180 days after    J)   We do not cover any claim in respect
                 the Cause of Action arose                     of any Legal Expenses relating to
                                                               any other party bringing a claim or
           C) We do not cover Legal Expenses                   counter claim against a Permitted User
              where the Cause of Action arose
              prior to the commencement of cover
              provided by this Section




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                                                                                  Trucks Insurance Policy | 36




      Conditions Applicable to Section 8 -                    The solicitor, person or firm will be
      Legal Assistance Plan                                   appointed by our third party service
                                                              provider in the name of and on behalf of
      A    Actions Against Another Permitted                  the Permitted User
           user
                                                              In nominating the solicitor, person or firm to
           If You are pursuing Legal Proceedings              act as a Legal Personal Representative the
           against another Permitted User, We will pay        Permitted User will be subject to the duty
           Your Legal Expenses and not those of the           to mitigate the amount of Legal Expenses
           other Permitted User
                                                              Any dispute arising from the Permitted
           If Your Policy is in joint names, We will          User’s choice of the solicitor, person or firm
           regard the person whose name appears               to act as a Legal Personal Representative
           first in Your Schedule as You for the              may be referred to Arbitration in
           purpose of this Section                            accordance with Condition I of Section 9
      B    Information About the Claim                    D   Conflict of Interest
           You must complete a claim form and                 If at any time during the conduct of the
           forward it to Us at the address shown in           claim We or our third party service
           Your Schedule as soon as You are aware of          provider become aware of a potential
           any claim                                          conflict of interest, the Permitted User:
           The Permitted User must keep us or our             A) will be informed in writing and
           third party service provider informed of all
           developments connected with the claim              B)   has the right to nominate a solicitor or
           including any offer or payment into court               other appropriately qualified person
           to settle the dispute                                   or firm to act as a Legal Personal
                                                                   Representative to take over the
           Our third party service provider will have              conduct of any action
           access to all information, documentation or
           evidence whether or not legally privileged         The solicitor, person or firm will be
                                                              appointed by our third party service
      C    Representation                                     provider in the name of and on behalf of
                                                              the Permitted User
           Having received notification from You of a
           claim, our third party service provider may:   E   Control of the Claim
           A) make an investigation into the dispute          Our third party service provider will have
              and                                             control of the claim, in consultation with
                                                              the Legal Personal Representative and
           B)   attempt to achieve a fair settlement,         the Permitted User must follow their
                using an external representative              reasonable advice
                where they consider it necessary
                                                              The Permitted User must not commence
           The Permitted User has the right to                Legal Proceedings without our third party
           nominate a solicitor or other appropriately        service provider’s written consent
           qualified person or firm to act as a Legal
           Personal Representative in any Legal               Our third party service provider will not
           Proceedings                                        unreasonably withhold their consent



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      37 | Trucks Insurance Policy




           The Permitted User will give proper                the claim or Legal Proceedings do not have
           assistance as soon as possible and co-             such prospects, our third party service
           operate fully with:                                provider will advise the Permitted User
                                                              in writing and notify the Permitted User
           A) Us                                              that Our liability to pay any further Legal
                                                              Expenses will cease 14 days after the
           B)    Our third party service provider             Permitted User receives the notice
           C) the Legal Personal Representative and           No Legal Expenses may be incurred after
                                                              the Permitted User receives the notice
           D) any counsel which has been appointed            unless our third party service provider
              by the Legal Personal Representative            have given written consent
           The Permitted User must keep our                   Our third party service provider will not
           third party service provider or the Legal          unreasonably withhold their consent where
           Personal Representative informed of all            to do so is likely to prejudice the claim or
           developments as soon as possible after             Legal Proceedings
           these developments arise
                                                          G   option to Reimburse
           If in any Legal Proceedings the Permitted
           User’s claim is not successful and he or she       Where in the reasonable opinion of our
           intends to appeal then the Permitted User          third party service provider the Permitted
           must notify our third party service provider       User would suffer no detriment, our third
           or the Legal Personal Representative in            party service provider may elect to pay
           writing not later than either:                     the Permitted User for the value of goods
                                                              or services or the claim for damages or
           (i)   14 days before the time for making an        uninsured losses
                 appeal expires or
                                                          H   Early Settlement
           (ii) as soon as possible where the period
                of appeal is 14 days or less                  The Permitted User must inform our third
                                                              party service provider as soon as possible of
           The Legal Expenses of the appeal are               any offer or payment into court which has
           covered if our third party service provider        been made with a view to settling the claim
           and the Legal Personal Representative
           agree that there are reasonable prospects          The Permitted User must not make or
           of such an appeal succeeding                       authorise any offer to settle the claim
                                                              which would result in the payment of Legal
      F    Reasonable Prospects                               Expenses without our third party service
           We will pay a Permitted User’s Legal               provider’s consent
           Expenses provided there are reasonable             Our third party service provider will not
           prospects that the claim or Legal                  unreasonably withhold their consent
           Proceedings will achieve the remedy or
           result sought by the Permitted User                If any offer or payment into court is:
           If at any time our third party service             A) not accepted by the Permitted User
           provider or the Legal Personal                        and
           Representative reasonably consider that




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                                                                                Trucks Insurance Policy | 38




           B)   if the amount of this offer or payment        The Arbitration procedure does not
                is equal to or greater than the total         prevent You from referring the matter to
                damages which the Permitted User is           the courts
                eventually awarded
                                                          J   Accounts and Level of Expenses
           We will have no liability in respect of
           Legal Expenses which were incurred                 The Permitted User or the Legal Personal
           after the date of such offer or payment            Representative must submit to our third
           into court, unless our third party service         party service provider all accounts for
           provider agreed to the continuation of the         Legal Expenses as soon as possible after
           proceedings                                        their receipt

      I    Arbitration                                        Our third party service provider may
                                                              require the Legal Personal Representative
           The Permitted User has the right to refer          to have the Legal Expenses taxed, assessed
           any dispute with our third party service           or audited
           provider in respect of this Section to
           Arbitration

           Our third party service provider also
           has the right to refer any dispute with a
           Permitted User to Arbitration

           The single Arbitrator will be either a
           solicitor or barrister agreed upon by
           both parties, or failing agreement, one
           who is nominated by the President of the
           appropriate Law Society or by the Bar
           Council within the British Isles

           The unsuccessful party in the Arbitration
           will be responsible for all costs and
           expenses incurred

           If a decision is made in our third party
           service provider’s favour, the Permitted
           User’s costs of arbitration are not
           recoverable under Your Policy

           Our third party service provider will give
           written notification to the Permitted User
           of this right if any such dispute develops
           and the Permitted User must inform our
           third party service provider in writing that
           he or she wishes to exercise this option




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      39 | Trucks Insurance Policy




      section 9 – Breakdown                                           When We provide Emergency
                                                                      Assistance for this service, We will ask
                                                                      You to provide suitable identification
      This cover only applies if Your Schedule shows
      that Breakdown is in force and shows the level            B     After a Breakdown, if You ask, We will
      of Breakdown cover which applies.                               try to get a message to a person of
                                                                      Your choice as long as We can contact
      A    Roadside Assistance
                                                                      that person by phone or fax
           The cover under this sub-section is limited
                                                           Exclusions to A Roadside Assistance
           to any Breakdown which happens within
           Great Britain, Northern Ireland, the            We do not cover
           Republic of Ireland, the Isle of Man and the
           Channel Islands                                 A) Emergency Assistance at or within one
                                                              mile of Your home address, or where Your
           What We cover                                      Motor Vehicle is normally kept, except if C
                                                              - Homecall also applies
           A     If Your Motor Vehicle breaks down, we
                 will provide Emergency Assistance,        B)   The cost of transporting Your Motor
                                                                Vehicle to a repairer more than 10 miles
                 (i)   for up to one hour, to make it
                                                                from the scene of the Breakdown, except
                       roadworthy or
                                                                if B - Recovery also applies We will charge
                 (ii) If Your Motor Vehicle cannot              you for mileage that is more than 10 miles
                      be made roadworthy, We will
                                                           C) Onward transportation of goods
                      arrange for it, the driver and up
                      to eight passengers to be taken      D) Recovery or onward transportation of Your
                      to a repairer of Your choice            Motor Vehicle :
                      within 10 miles of the scene of
                      the Breakdown                             (i)   which cannot be recovered by normal
                                                                      breakdown recovery vehicles OR
                 (iii) replacement fuel if the Breakdown
                       has been caused by Your Motor            (ii) which is carrying hazardous goods OR
                       Vehicle running out of fuel
                                                                (iii) which is carrying livestock (except
                 (iv) if Your Motor Vehicle is                        at the discretion of the recovery
                      Immobilised as a result of a flat               operative)
                      battery or flat tyre, or incorrect
                      fuel being accidentally put in the   B    Recovery
                      Motor Vehicle
                                                                The cover under this sub-section is limited
                 (v) if You accidentally lock Your              to any Breakdown which happens within
                     Vehicle Keys in Your Motor                 Great Britain, Northern Ireland, the
                     Vehicle or if Your Motor Vehicle           Republic of Ireland, the Isle of Man and the
                     is Immobilised due to loss of or           Channel Islands
                     damage to Your Vehicle Keys




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                                                                                     Trucks Insurance Policy | 40




      What We cover                                                   can drive it, We will recover the Motor
                                                                      Vehicle, the driver and up to eight
           A    If Your Motor Vehicle cannot be made                  passengers to
                roadworthy within one hour at the
                scene of the Breakdown, we will                       (i)   Your destination or
                arrange for it to be taken to
                                                                      (ii) Your home address or
                (i)   repairer of Your choice or
                                                                      (iii) where Your Motor Vehicle is
                (ii) Your destination or                                    normally kept

                (iii) Your home address or                            You will need to produce some form
                                                                      of medical certificate confirming that
                (iv) where Your Motor Vehicle is                      You are medically unfit to drive
                     normally kept
                                                           Exclusions to B Recovery
           We will pay the costs (no more than the
           cost of a standard class rail ticket) for one   We do not cover
           person to collect Your Motor Vehicle after
           repairs have been completed                     A) Emergency Assistance at or within one
                                                              mile of Your home address or where Your
           B    We will also pay the cost of continuing       Motor Vehicle is normally kept, except if
                the journey to Your destination, or the       C – Homecall also applies.
                repairer, or returning to Your home
                address or where Your Motor Vehicle        B)   Any costs for Motor Vehicle hire if the
                is normally kept, for the driver and up         hire of a replacement Motor Vehicle has
                to eight passengers by providing:               been refused by the hirer on its standard
                                                                conditions
                (i)   an alternative form of transport
                      of our choice or                     C) Onward transportation of goods

                (ii) emergency accommodation for           D) Recovery or onward transportation of Your
                     one night for you and up to eight        Motor Vehicle :
                     passengers while waiting for
                     repairs to be completed This will          (i)   which cannot be recovered by normal
                     include bed and breakfast but no                 breakdown recovery vehicles OR
                     other meals or expenses
                                                                (ii) which is carrying hazardous goods OR
                      The maximum amount
                                                                (iii) which is carrying livestock (except
                      We will pay for emergency
                                                                      at the discretion of the recovery
                      accommodation will be no more
                                                                      operative)
                      than £40 per person per night up
                      to a total amount of £450

           C    If You are declared medically unfit to
                drive Your Motor Vehicle during the
                journey and none of the passengers




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      41 | Trucks Insurance Policy




      C    Homecall                                           Luxembourg, F.Y.R.O.M., Malta, Morocco,
                                                              Netherlands, Norway, Poland, Portugal,
      What We cover                                           Romania, Slovak Republic, Slovenia, Spain,
                                                              Sweden, Switzerland and Tunisia
      A    We will provide Emergency Assistance if:-
                                                              What We cover
           (i)   Your Motor Vehicle breaks down at or
                 within one mile of Your home address,        A   If Your Motor Vehicle is Immobilised
                 or where it is normally kept, for up to          as a result of fire, theft, accidental
                 one hour to make Your Motor Vehicle              damage or Breakdown, We will
                 roadworthy                                       provide Emergency Assistance at the
                                                                  scene of the immobilising incident
           (ii) Your Motor Vehicle cannot be made
                roadworthy, We will arrange for it to             (i)   for up to one hour to make Your
                be taken to a repairer of Your Choice                   Motor Vehicle roadworthy or
      Exclusions to C Homecall                                    (ii) If Your Motor Vehicle cannot
                                                                       be made roadworthy, We will
      We do not cover                                                  arrange for it to be taken to
                                                                       a suitable repairer or Your
      A) The cost of transporting Your Motor                           destination
         Vehicle to a repairer more than 10 miles
         from the scene of the Breakdown, except                  We will pay the costs for one person
         if B - Recovery also applies We will charge              to collect Your Motor Vehicle after
         you for mileage that is more than 10 miles               repairs have been completed The
                                                                  maximum amount We will pay will be
      B)   Onward transportation of goods                         the cost of a standard-class ticket
      C) Recovery or onward transportation of Your            B   We will also pay the cost of continuing
         Motor Vehicle :                                          the journey to Your destination or to
           (i)   which cannot be recovered by normal              the repairer, for the driver and up to
                 breakdown recovery vehicles OR                   eight passengers by providing:

           (ii) which is carrying hazardous goods OR              (i)   an alternative form of transport
                                                                        of our choice or
           (iii) which is carrying livestock (except
                 at the discretion of the recovery                (ii) We will pay emergency
                 operative)                                            accommodation for one night for
                                                                       you and up to eight passengers
      D    European Assistance                                         while waiting for repairs to be
                                                                       completed This will include bed
           The cover provided under this sub-section                   and breakfast but no other meals
           is limited to incidents which happen within                 or expenses
           Albania, Andorra, Austria, Belgium, Bulgaria,
           Croatia, Cyprus (Greek), Czech Republic,                     The maximum amount
           Denmark, Estonia, Finland, France, Germany,                  We will pay for emergency
           Gibraltar, Greece, Holland, Hungary, Iceland,                accommodation will be no more
           Israel, Italy, Latvia, Liechtenstein, Lithuania,             than £100 per person per night
                                                                        up to a total amount of £500




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                                                                                      Trucks Insurance Policy | 42




           C    If Your Motor Vehicle cannot be made                         Your Motor Vehicle is Immobilised
                roadworthy by the intended date of                           due to loss of or damage to Your
                Your return to the United Kingdom,                           Vehicle Keys When We provide
                We will pay for the following:                               this service, We will ask You to
                                                                             provide suitable identification
                (i)   the cost of transporting Your
                      Motor Vehicle to Your home                  E    After an Immobilising incident, if You
                      address or where Your Motor                      ask, We will try to get a message to a
                      Vehicle is normally kept This cost               person of Your choice as long as We
                      may include storage costs and                    can contact them by phone or fax
                      transport and delivery costs The
                      maximum amount We will pay is               F    If You are declared medically unfit to
                      the current market value of Your                 drive Your Motor Vehicle during the
                      Motor Vehicle in the UK, or                      journey and none of the passengers
                                                                       can drive it, We will provide a suitably
                (ii) the cost for one person to collect                qualified driver to drive Your Motor
                     Your Motor Vehicle after repairs                  Vehicle to
                     have been completed and drive
                     it direct to Your home address                    (i)   Your destination, or
                     or where Your Motor Vehicle
                     is normally kept The maximum                      (ii) Your home address or
                     amount We will pay will be the
                                                                       (iii) where Your Motor Vehicle is
                     cost of a standard-class ticket
                                                                             normally kept
                If essential replacement parts are not
                                                                       We will try to supply a driver at a
                available locally, We will arrange to
                                                                       time that is convenient to You but
                get the parts from somewhere else
                                                                       We cannot guarantee to provide this
                We will pay all the charges involved
                                                                       service within any specific timescale
                in delivering the parts to Your Motor
                Vehicle                                                You will need to produce some form
                                                                       of medical certificate confirming that
           D    We will provide Emergency Assistance:
                                                                       You are medically unfit to drive
                (i)   for replacement fuel if the
                                                              Exclusions to D Europe Assistance
                      Breakdown has been caused by
                      Your Motor Vehicle running out          We do not cover
                      of fuel, or
                                                                  A) Any costs for Motor Vehicle hire if the
                (ii) if Your Motor Vehicle is                        hire of a replacement Motor Vehicle
                     Immobilised as a result of a flat               has been refused by the hirer on its
                     battery or flat tyre, or incorrect              standard conditions
                     fuel being accidentally put in Your
                     Motor Vehicle or                             B)   Onward transportation of goods
                (iii) if You accidentally lock Your Vehicle       C) Recovery or onward transportation of
                      Keys in Your Motor Vehicle or if               Your Motor Vehicle :




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      43 | Trucks Insurance Policy




                 (i)   which cannot be recovered by       I)   Breakdown resulting from Your Motor
                       normal breakdown recovery               Vehicle carrying more passengers, or
                       vehicles OR                             towing a greater weight, than intended,
                                                               or driving on unsuitable ground
                 (ii) which is carrying hazardous
                      goods OR                            J)   Breakdown of any Trailer

                 (iii) which is carrying livestock        K)   Any liability or any other loss that
                       (except at the discretion of the        arises directly or indirectly from
                       recovery operative)                     providing Emergency Assistance

      E    Exclusions to Section 9 - Breakdown            L)   Any extra hire vehicle charges, other
                                                               than the rental charge, if We provide a
           We do not cover                                     hire vehicle
           A) Any extra labour charges, the cost of       M) Requests for Emergency Assistance
              spare parts and the cost of replacing          resulting from not being able to get
              fuel or Vehicle Keys                           fuel or other supplies that are essential
                                                             for Your Motor Vehicle to move, due
           B)    The costs associated with draining          to fuel or other supplies being scarce
                 or removing an inappropriate fuel           in the country in which You are driving
                 or other fluid having been put in the
                 Motor Vehicle                            N) If the Motor Vehicle is used for racing
                                                             competitions, rallies or trials or in
           C) Damage as a direct result of getting           connection with the motor trade
              into Your Motor Vehicle after You have
              asked for Emergency Assistance              O) Loss of or damage to the contents of
                                                             Your Motor Vehicle
           D) Cover for an incident if You are
              entitled to claim for the same incident     P)   Any costs You have to pay for sea or
              under another policy                             river transit, unless claimed under the
                                                               European Assistance Section
           E)    Any expenses which would have arisen
                 in the normal course of the journey      Q) Any costs that We have not agreed to
                                                             pay beforehand
           F)    If Your Motor Vehicle has been partly
                 or completely buried in mud, snow,       R) Any loss or damage caused by riot or
                 sand or water                               civil commotion that happens outside
                                                             England, Scotland, Wales, the Isle of
           G) Breakdown resulting from poor repair           Man or the Channel Islands
              or attempted repair that was carried
              out during the journey without our          S)   Recovering Your Motor Vehicle if it is
              agreement                                        considered to be dangerous or illegal
                                                               to load or transport
           H) Any Breakdown which is the result
              of a deliberate act by You or any           T) Any storage charges You have to pay
              passenger                                      while Your Motor Vehicle is being
                                                             repaired at a garage




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                                                                            Trucks Insurance Policy | 44




           U) Requests for Emergency Assistance               C) You must carry a serviceable
              from anyone who is driving Your Motor              spare wheel for Your Motor
              Vehicle with Your permission who:                  Vehicle (including any Caravan or
                                                                 Trailer) at all times
                i)    does not hold a current and valid
                      UK driving licence, or                  D) Your Motor Vehicle must
                                                                 be covered by a valid MOT
                ii)   not keeping to the conditions of           certificate
                      their driving licence
                                                          B   requests for Emergency Assistance
           V) Any incident which results in Your
              Motor Vehicle being Immobilised                 A) If You need Emergency Assistance,
              which happened before the cover                    You must contact Us by phone.
              under this Section started                         We must authorise any Emergency
                                                                 Assistance, otherwise You will have
           W) Breakdown due to the failure to                    to pay any costs
              replace faulty parts, including the
              battery, within 28 days of a previous           B)   You must quote the Policy
              Breakdown of the same or similar                     Number when calling for
              cause                                                Emergency Assistance so We can
                                                                   confirm that cover applies
           X) More than five Breakdowns within
              one Period of Insurance                         C) The driver must be there when
                                                                 the recovery agent is providing
      F    Conditions Applicable to Section 9 –                  Emergency Assistance
           Breakdown
                                                              D) You must provide receipts
           A    condition of Your Vehicle                        for any expenses We have
                                                                 authorised that You have to pay in
                A) You must replace any part of                  connection with any Emergency
                   Your Motor Vehicle which is                   Assistance We provide
                   not working properly, including
                   the battery, within 28 days of             E)   If a request for Emergency
                   discovering the fault If a part                 Assistance is in any way
                   is not replaced and a further                   fraudulent, You will lose all
                   Breakdown of the same or similar                benefits under this sub-section
                   cause recurs within 28 days,
                   We reserve the right to refuse             F)   We will always aim to provide
                   assistance or to charge a fee that              Emergency Assistance where
                   is the same as the normal call-out              possible but we reserve the right
                   charge of our recovery agent                    to refuse to provide assistance
                                                                   if we believe Your demands are
                B)    You must maintain Your                       unreasonable or excessive
                      Motor Vehicle in line with the
                      manufacturer’s recommendations
                      and only use it in a roadworthy
                      condition




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      45 | Trucks Insurance Policy




           c     selecting the Appropriate Assistance       G   collecting the Vehicle Following a
                 service                                        repair

                 Depending on the incident, We will             You are responsible for collecting Your
                 decide what is the most suitable form          Motor Vehicle from the garage after
                 of Emergency Assistance If You do not          repairs have been completed
                 accept this decision, We will not pay
                 more than the cost of the Emergency
                 Assistance We recommend

           D     safety of contents

                 A) You are responsible for the safety
                    of the contents of Your Motor
                    Vehicle

                 B)   If Your Motor Vehicle is recovered,
                      We will decide whether to
                      transport any animal We will
                      not be liable for injury to or
                      death of the animal If We decide
                      not to transport any animal, it
                      is Your responsibility to make
                      alternative arrangements for its
                      transportation

           E     responsibility for the repairer’s Acts
                 or Neglect

                 Once Your Motor Vehicle has been
                 taken to a repairer, We will not be
                 responsible for any repair work
                 they do while they are following
                 Your instructions We do not accept
                 responsibility for any loss or damage
                 as a result of the repairer’s action or
                 neglect

           F     Emergency Assistance which is no
                 Longer Needed

                 After asking for Emergency Assistance,
                 if You or one of the passengers repairs
                 Your Motor Vehicle and You do not tell
                 Us about this, We may charge a fee of
                 at least £30 for Emergency Assistance
                 which is no longer needed




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                                                                                       Trucks Insurance Policy | 46




      complaints Procedure
      We aim to provide you with a first class service. If we have not delivered the service that you
      expect or you are concerned with the service provided, we would like the opportunity to put
      things right.

      our complaints process

      Initially please raise Your concerns with Your usual business contact. Once we have reviewed Your
      complaint We will issue our business decision in writing. If upon receipt of this you remain dissatisfied,
      you can escalate Your complaint to our Customer Relations Office who will conduct a separate
      investigation. This will be concluded with the issue of the company’s final decision in writing.

      Customer Relations Contact Details

      Customer Relations Office
      Royal & Sun Alliance Insurance plc
      Bowling Mill
      Dean Clough Industrial Estate
      Halifax
      HX3 5WA

      What to do if you are still not satisfied

      If you are still not satisfied Royal & Sun Alliance Insurance plc is regulated by the Financial Services
      Authority whose arbitration service is the Financial Ombudsman Service, and you may be able to
      refer your complaint to them.

      Insurance Division
      The Financial Ombudsman Service
      South Quay Plaza
      183 Marsh Wall
      London
      E14 9SR

      your rights

      Your rights as a customer to take legal action remain unaffected by the existence or use of any
      complaints procedures referred to above. However the Financial Ombudsman Service will not
      adjudicate on any cases where litigation has commenced.




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     Royal & Sun Alliance Insurance plc (No. 93792).
     Registered in England and Wales at St Mark’s Court,
     Chart Way, Horsham, West Sussex RH12 1XL.
     Authorised and regulated by the Financial Services Authority.

     UKC02332A AIS                                                   October 2010




2400317_UKC02332A_POL.indd 47                                            14/10/10 14:26:55

				
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