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					OPtima
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 Policy
Contents                                   What our terms mean

                                           Any word or expression which is          United Kingdom                        Comprehensive
Introducing your Groupama Optima           defined on this page is to have the     England, Scotland, Wales,              All parts of this policy apply.
Bike Policy                     1          same meaning wherever it appears        Northern Ireland, the Isle of Man
                                                                                                                          TPF&T
Our contract with you           1          in the policy documents irrespective    and the Channel Islands.
                                                                                                                          (Third party fire and theft)
Choice of law                   1          of its typeface or colour.
                                                                                   Great Britain                          All parts of this policy apply.
Cooling off period              1          You                                     England, Scotland and Wales.           Part A1 and Part B will only apply
                                           The policyholder whose name is                                                 for loss or damage resulting from
Our customer care policy              2    on the schedule or, in the event of     Excess                                 fire or theft or an attempted theft.
                                           your death, your legal personal         The first amount of any claim which
Loss or damage                        4                                            you will be responsible for if your    TPO
                                           representatives.
Loss of or damage to your motorcycle,                                              motorcycle is lost, stolen or          (Third party only)
its accessories or spare parts        4    We, Us, Groupama Insurances             damaged.                               All parts of this policy apply
                                           Groupama Insurance                                                             except for Part A1 and Part B.
Liability to others                   6    Company Limited.                        Young Rider
                                                                                   A person under 30 years old at the     F&T
Cover provided for you                6    Your Bike or Your Motorcycle                                                   (Fire and theft only)
                                                                                   time of an event which you or
Cover provided for other people       6    Any bike, motorbike or motorcycle       they may be entitled to claim for.     Part A1 of this policy applies but
Cover for legal personal                   for which you have a current                                                   only for loss or damage resulting
                                           certificate of motor insurance          Inexperienced Rider                    from fire or theft or an attempted
representatives                       7
                                           under this policy.                      A person who has a provisional         theft.
Hospital treatment                    7                                            licence or a person who has held a
                                           Certificate of Motor Insurance                                                 Accessories
Use abroad                            8                                            full licence for less than 12 months
                                           Evidence that you have motor                                                   Items which are permanently
                                                                                   at the time of an event which you
                                           insurance as required by law.                                                  attached to your motorcycle.
Additional benefits                  9                                             may be entitled to claim for.
                                                                                                                          Helmets, gloves and other items
No claim discount                    9     Pollution or Contamination
                                                                                   The Schedule                           you wear are not included.
                                           All pollution or contamination of
Cover when your motorcycle is being        buildings or other structures or of     The schedule attached to this          Acts of Terrorism
serviced, overhauled or repaired     9     water or land or the atmosphere.        policy. Please read the schedule       The use or threatened use of any
New motorcycle benefit              10                                             carefully as it sets out the cover     action, force or violence by any
                                           All injury loss or damage               we will give you under this policy.
Hotel or travel expenses            10                                                                                    person or group of people
                                           directly or indirectly caused by the
                                                                                   We will give you a replacement         whether acting alone or on behalf
General exceptions                   11    pollution or contamination.
                                                                                   schedule whenever you renew the        of any organisation or
                                           Market Value                            policy or if you make any changes      government committed for
Policy conditions                    12    The cost of replacing your motorcycle                                          political, religious, ideological or
                                                                                   to the policy during the period of
A guide to making a claim            14    with a motorcycle of the same make,     insurance.                             similar purposes including the
                                           model, specification, age, mileage                                             intention to influence any
What to do in the event of                 and condition as your motorcycle        The terms used in the schedule to      government or to intimidate
                                           was immediately before the loss or      define the cover have the              and/or put in fear the public or
an accident                   Back cover
                                           damage you are claiming for.            following meaning:                     any section of the public.
Introducing your Groupama Optima Bike policy

Our contract with you                                     The law which applies to                                  To cancel your policy, please contact the insurance
                                                                                                                    broker or intermediary who sold you your policy.
This policy is a contract solely between you and us. It   our contract
is not intended that the Contracts (Rights of Third       You and we can choose the law which will apply to         To get a refund, you must return this policy and any
Parties) Act 1999 should confer any additional rights     this contract. We have decided the law which will         certificate of motor insurance or cover note.
under this policy in favour of any third party.           apply will be the law of the country in which you live.
The proposal (or any statement of fact or statement       If you do not live in England, Wales, Scotland,
of insurance prepared from information you have           Northern Ireland, the Channel Islands or the Isle of
provided) and declaration you make are part of this       Man, the law which will apply is the law of England
contract. The schedule, any endorsements and the          and Wales.
certificate of motor insurance are all part of this
policy. You must read them all as one document. We
will insure you against legal liability, loss or damage   IMPORTANT
under the sections shown in the schedule during any       Please read this policy, schedule, any endorsements
period of insurance set out in the schedule. You          and certificate of insurance carefully and make sure
must keep to the conditions of this policy.               that they meet your needs. If you have any queries
                                                          please contact your broker or intermediary who will
The cover applies throughout Great Britain,               be glad to help you. Please keep this policy,
Northern Ireland, the Isle of Man, Channel Islands        schedule, any endorsements and certificate of
and any other country which is a member of the            insurance in a safe place. You may need to refer to
European Union except when we say otherwise.              them if you make a claim.
Your motorcycle is also covered when in transit within
these countries and between any of their ports.           Cooling off period
                                                          We hope that you will be happy with your insurance
On behalf of Groupama Insurance Company Limited.
                                                          policy. However, if this policy does not meet your
                                                          needs you have 14 days from the date you received
                                                          your policy documents to cancel the policy and get a
                                                          full refund. (We will not give you a refund if you
François-Xavier Boisseau                                  have claimed for the total loss of your motorcycle or
CHIEF EXECUTIVE OFFICER
                                                          an incident has happened where you could make a
                                                          claim for a total loss).
                                                                                                                                                                           1
Our customer care policy

Step 1                                              Phone: 0161 834 9888                              Calls to 0870 numbers will cost no more than
We are committed to treating our customers          Fax: 0161 839 9143                                call to 01 or 02 numbers in the UK. Calls from
fairly. However, we realise that there may be       Email: underwritingcustomerservice@               mobile phones may cost more.
times when things go wrong. If this happens,               groupama.co.uk
please use the most suitable contact from the                                                         Step 3
following list. Please tell us your name and your   Step 2                                            Financial Ombudsman Service
claim number or policy number and the reason        If you are not happy with our response            If you are still not happy with our final
for your complaint.                                 to your complaint, please write to our            decision, you may be able to pass your
                                                    Chief Executive at:                               complaint to the Financial Ombudsman
We may record phone calls.                          Groupama Insurances                               Service (FOS). The FOS is an independent
                                                    6th Floor                                         organisation and will review your case.
For complaints about claims, contact the            One America Square
Claims Centre Manager at:                           17 Crosswall                                      Their address is:
Groupama Insurances                                 London                                            The Financial Ombudsman Service
Personal Insurances Claims Centre                   EC3N 2LB                                          South Quay Plaza
1 Port Way                                          Phone: 0870 850 8510                              183 Marsh Wall
Port Solent                                         Fax: 020 7264 2860                                London
Portsmouth                                                                                            E14 9SR
Hampshire                                           We promise to:                                    Tel: 0845 080 1800
PO6 4TY                                             ■ acknowledge your complaint within five
Phone: 0870 240 1895                                  days of receiving it;                           You can visit the Financial Ombudsman
Fax: 023 9220 5495                                  ■ have your complaint reviewed by a senior        Service website at www.fos.org.uk
Email: claims.care@groupama.co.uk                     member of staff;
                                                                                                      The ombudsman’s service is available to
                                                    ■ tell you the name of the person managing
For complaints about policy                                                                           personal policyholders. Their service is also
                                                      your complaint; and
administration and documents, contact                                                                 open to charities, trustees and small
                                                    ■ respond in full to your complaint within 28
the Operations Manager at:                                                                            businesses with income or assets within
                                                      days. If this is not possible for any reason,
                                                                                                      defined limits. You can get more information
Groupama Insurances                                   we will write to you to explain why we
                                                                                                      from us or the ombudsman.
Groupama House                                        have not been able to settle the matter
60 Spring Gardens                                     quickly. We will also let you know when
Manchester                                            we will contact you again.
M60 1HU


2
If you take any of the action mentioned
above, it will not affect your right to take
legal action.

Financial Services Authority
Groupama Insurance Company Limited is
authorised and regulated by the Financial
Services Authority. You can check their
 website (www.fsa.gov.uk), which includes a
register of all firms they regulate. Or you
can phone them on 0845 606 1234.

Financial Services Compensation Scheme
We, Groupama Insurance Company Limited,
are covered by the Financial Services
Compensation Scheme (FSCS).

If we fail to carry out our responsibilities
under this policy, you may be entitled to
compensation from the Financial Services
Compensation Scheme. Information about
the scheme is available at www.fscs.org.uk
or by phone on 020 7892 7300.




                                               3
Loss or damage

Loss of or damage to your                         most we will pay is the manufacturer’s last        of delivering it to your address in the United
                                                  quoted list price in the United Kingdom for an     Kingdom.
motorcycle, its accessories
                                                  equivalent accessory or part. We may use           If your motorcycle is damaged by something
or spare parts (Part A1)                          accessories or parts, including recycled parts,    covered under this policy you must:
                                                  which are not made or supplied by the              ■   do whatever is necessary to protect your
What is insured:                                  manufacturer of your motorcycle but are of a           motorcycle and its accessories; and
If your motorcycle is lost, stolen, or            similar type and quality to the parts we are       ■   report the incident to us as soon as
damaged, we will either:                          replacing. We will not be responsible for              possible. Please refer to page 14 to 16 for
■   repair the damage;                            additional storage costs caused by the                 full information on the reporting of
■   replace what is lost or is damaged            unavailability of an accessory or spare part nor       claims.
    beyond economical repair; or                  the cost of importation of any accessory or
                                                  part into the United Kingdom.                      For details relating to audio and satellite
■   pay you cash for the amount of the loss
                                                                                                     navigation equipment, please read your
    or damage.
                                                  The most we will pay is the market value of        schedule.
We have the right to choose which action to       your motorcycle, accessories and spare parts
                                                  at the time of the loss or damage. In the          For details relating to loss of keys and
take in the case of any claim.
                                                  event we cannot determine the market               replacement of locks, please read your
Accessories and spare parts which are only        value, we will not pay more than the               schedule.
for your motorcycle, and are on your              amount for which you insured them. If your
motorcycle, at the time of the loss or            motorcycle is under a hire purchase or
damage, will be covered in the same way.          leasing agreement, we will pay any claim to
                                                  the legal owner.
If a replacement for any damaged accessory
or part of your motorcycle is not available       If your motorcycle cannot be ridden because
we will pay the value of the accessory or part    of the loss or damage covered under this
at the time of the loss. We will not pay more     policy we will pay the reasonable cost of
than the manufacturer’s last quoted list price    protecting your motorcycle and taking it to
in the United Kingdom for the accessory or        the nearest competent repairer. After it has
part. If such a list price is not available the   been repaired we will pay the reasonable cost


4
What is not insured:                             ■   loss of your motorcycle by deception by      Young riders & inexperienced riders: If
                                                     someone who claims to be a buyer or a        your motorcycle or any of its accessories and
This applies to all claims under Part A1
                                                     buying or selling agent;                     spare parts are damaged while it is being
of the policy.
                                                 ■   any further damage caused after an           ridden by a young rider or an inexperienced
We will not pay for any of the following:            accident due to your motorcycle being        rider, you will be responsible for the first
■ any excess shown in the schedule;                  used under its own power;                    part of the cost, on top of any compulsory
■ loss of use, loss of value, wear and tear;     ■   loss of or damage to any telephone           and voluntary excesses set out in your
■ mechanical, electrical, electronic or              communication, satellite navigation          schedule, as shown below.
  computer failures or breakdowns;                   equipment, radio, cassette, disc player or
■ damage to tyres from braking or by road            similar apparatus or accessories or parts    Young rider             Amount you pay
  punctures, cuts or bursts;                         of any such apparatus. This does not         Under 21 years          £150
■ loss, destruction or damage caused                 apply if there is an endorsement in the      21 - 24 years           £100
  directly by pressure waves caused by               schedule saying otherwise;                   25 - 29 years           £50
  aircraft and other aerial devices travelling   ■   loss of or damage to your motorcycle         Inexperienced rider     £50
  at or above the speed of sound;                    caused by any government or public or
■ any reduction in the market value of               local authority legally taking, keeping or   You will not have to pay the amount stated
  your motorcycle following any repair               destroying your motorcycle;                  if the damage is caused by fire, theft,
  whether or not as a result of any claim        ■   loss or damage resulting from the            attempted theft or malicious damage.
  under this policy;                                 repossession of the motorcycle or
■ loss of or damage to any trailer, sidecar          restitution to its rightful owner; or
  or caravan whether or not it is being          ■   loss or damage to your unattended
  towed by or attached to your motorcycle;           motorcycle if the keys (or any alternative
■ loss or damage as a result of a deliberate         electronic or mechanical device designed
  act by anybody insured by this policy;             to operate the ignition systems of the
                                                     motorcycle) are in or on your motorcycle.




                                                                                                                                              5
Liability to others

Cover provided for you                                motorcycle is acquired and details notified to   What is not insured:
                                                      us within seven days of the disposal of the
(Part A2)                                             originally insured motorcycle.
                                                                                                       This applies to all claims under Parts A2 and
                                                                                                       A3 of the policy.
What is insured:                                                                                       We will not pay for any of the following:
This policy covers you for:                           Cover provided for other
                                                                                                       ■ loss of or damage to property belonging
■  all you legally have to pay for the death of or    people (Part A3)                                   to, or in the custody or control of, any
   personal injury to any person as a result of an
                                                                                                         person insured under this part of the
   incident involving your motorcycle; and            What is insured:                                   policy;
■  damage to any property as a result of an           If you ask, we will provide the same cover to    ■ anyone riding your motorcycle who has
   incident involving your motorcycle, but the        the following people:                              never held a licence to ride it or who is
   indemnity against liability including all costs,   ■   anyone you allow to ride your motorcycle       disqualified from holding or applying for
   expenses and indirect losses other than those          if allowed by your certificate of motor        such a licence;
   covered under legal expenses (Part A5) for
                                                          insurance;                                   ■ anyone who fails to keep to any of the
   such damage is limited to £20,000,000 in
                                                      ■   anyone you allow to use your motorcycle        terms, exceptions, conditions and
   respect of any such incident or series of
                                                          for social domestic and pleasure purposes      endorsements of this policy;
   incidents arising out of one event.
                                                          (this does not include riding);              ■ anyone entitled to cover under any other
The same cover will apply if you are riding in        ■   anyone travelling on or getting on or off      policy;
the United Kingdom any other motorcycle                   your motorcycle; and                         ■ liability for the death of or injury to any
which the certificate of motor insurance              ■   your employer for any motorcycle you or        person arising out of their employment by
allows you to ride providing you have the                 they use and which is covered by this          any person insured under this policy
owner’s permission to ride and the vehicle                policy. Your employer must have your           except as required under the Road Traffic
insured under this policy has an engine size              permission and the rider and use must be       Acts; or
of 351cc or more.                                         allowed by your certificate of motor         ■ loss of or damage to any motorcycle being
                                                          insurance. Except for your motorcycle any      used or ridden under this part of the
You must inform us immediately of the                     such motorcycle must not belong to or be       policy.
disposal of your motorcycle as shown on your              hired to your employer.
certificate of motor insurance. All cover under
this policy will cease unless a replacement


6
Cover provided for legal                       Proceedings for manslaughter or                    Hospital treatment (Part A6)
                                               causing death by dangerous driving
personal representatives
                                               or causing death while under the
(Part A4)                                                                                         What is insured:
                                               influence of drink or drugs: We will pay
                                                                                                  We will pay hospital treatment fees as
                                               for legal services to defend anyone insured
What is insured:                               under this policy if proceedings are taken
                                                                                                  required under the Road Traffic Acts.
If anyone insured under the policy dies we     against them for manslaughter or causing
will transfer to their estate the protection   death by dangerous driving or causing death
we provide under this policy.                  while under the influence of drink or drugs.
                                               The following conditions apply to this cover:
Legal expenses (Part A5)                       ■  you must ask us to provide and we must
                                                  agree to provide the cover;
What is insured:                               ■  liability for the death(s) giving rise to the
General representation: If we give our            proceedings must be covered under this
prior written permission we will pay the fee      policy; and
for a solicitor to:                            ■  the event causing the death(s) must have
■  represent any person insured under this        happened in the United Kingdom.
   policy at any coroner’s inquest or fatal
   accident inquiry; and
■  defend any person insured under this
   policy in a court of summary jurisdiction
   in connection with any accident which
   you may be able to claim for under Parts
   A2 or A3 of the policy.




                                                                                                                                           7
Use abroad

Foreign use (Part A7)                              European Commission Directives; or          Directives on motor insurance.
                                               ■   any claim arising out of the use of your
                                                   motorcycle in any country outside the       For travel outside these countries a Green
What is insured:                                                                               Card will be issued showing the countries
                                                   European Union that does not meet the
This policy provides cover to use your                                                         and dates for which the wider policy cover is
                                                   European Commission Directives.
motorcycle in any country which is a                                                           being provided.
member of the European Union.
                                               Extended cover
This policy provides the minimum cover you     If we agree we will provide the wider cover     Customs duty/delivery
need by law in any other country which         shown in your schedule while your motorcycle    costs
agrees to meet European Commission             is being used outside the European Union or     If your motorcycle cannot be ridden because
Directives on motor insurance and satisfies    while your motorcycle is in transit between     of loss or damage covered by this policy and
the European Commission that it has made       the European Union and any other country        subject to prior agreement, we will pay the
arrangements to meet the requirements of       which we have agreed to provide cover for.      reasonable cost of delivering your
these Directives.                                                                              motorcycle to your address in the United
                                               For this wider cover to apply you must:         Kingdom and any customs duty you have to
We will automatically extend this cover to     ■  request us to provide the cover before       pay as a direct result of the loss or damage.
that shown in your policy schedule for these      your departure;
countries subject to your trip length not      ■  tell us which countries you are visiting;    Riding of other motorcycles
exceeding 90 days and being of a temporary     ■  tell us your date of departure and return;   Part A7 of the policy applies only to your
nature (such as a holiday).                       and                                          motorcycle. If your certificate allows you to
                                               ■  pay any required additional premium.         ride any other motorcycle, that cover does
What is not insured:                                                                           not apply outside the United Kingdom.
Unless we have agreed to extend full policy    International motor
cover for use of your motorcycle outside the   insurance certificate
European Union, we will not pay for any of
the following:
                                               (Green Card)
■  loss of or damage to your motorcycle or     A Green Card is no longer required for travel
   its accessories and spare parts;            within those countries which are members
■  any third party liability which is more     of the European Union or which meet the
   than the minimum cover required by the      requirements of the European Commission

8
Additional benefits – all policies

No claim discount                               Cover when your
1. If no claim is made you will qualify for a   motorcycle is being
   no claim discount. You cannot transfer       serviced, overhauled or
   your no claim discount to someone else.
                                                repaired
   We will allow the maximum no claim
                                                The level of cover specified on your
   discount if you do not claim for
                                                certificate of motor insurance continues to
   nine years.
                                                apply to your motorcycle when it is in the
2. If we pay emergency treatment fees           hands of a motor trader, carrying on a
   under the Road Traffic Acts it will not      business from a motor trade outlet or
   affect your no claim discount.               premises for service, overhaul or repair.

3. You can ask us for information on how        On such occasions we will ignore the
   your no claim discount may be affected       limitations about riding and use described in
   by a claim.                                  your certificate of motor insurance.




                                                                                                9
Additional benefits – comprehensive policies only

New motorcycle benefit                            Hotel or travel expenses
(Part B4)                                         (Part B6)

What is insured:                                  What is insured:
If your motorcycle is stolen and not recovered    If your motorcycle cannot be ridden after an
or is damaged and the cost involved in the        accident or loss covered by this policy, we
repair will be more than 70% of the purchase      will pay:
price (including motorcycle tax and VAT) at       ■   up to £50 for the first rider of the
the time of the loss or damage we will                motorcycle to stay in a hotel for one night
replace your motorcycle with a new                    if you cannot continue your journey until
motorcycle of the same make and model.                the next day; or
                                                  ■   travel expenses of up to £100 in total for
We will only do this if your motorcycle is less       the first rider and any pillion who was
than six months old from the date of first            travelling on the motorcycle.
registration as new in your name and a
replacement motorcycle is available.              The most we will pay for any one event is
                                                  £100.
We will only replace your motorcycle if you
and any other known interested parties
agree. The motorcycle being replaced will
become our property.

If we cannot obtain a replacement
motorcycle of the same make and model we
will pay you the purchase value of your
motorcycle and its fitted accessories and
spare parts at the time of the loss or damage.




10
General exceptions – applicable to all of the policy

1. This policy does not apply when any            3. Except as required under the Road Traffic      ■   aircraft parking areas and associated
   motorcycle covered by it:                         Acts, this policy does not cover any loss or       roads, and ground equipment parking,
■  is being ridden by or is in the charge of         damage caused by war, invasion, act of             maintenance and refuelling areas; or
   any person not allowed to do so under             foreign enemy hostilities (whether or not      ■   customs examination areas of passenger
   your certificate of motor insurance;              war is declared), civil war, rebellion,            terminals.
■  is being used other than for the purposes         revolution, insurrection, military or
   shown in your certificate of motor                usurped power or acts of terrorism.            7. We will not be liable for death of or bodily
   insurance;                                                                                          injury to any person or damage to property
■  is being ridden with your permission by        4. This policy does not provide cover except         directly or indirectly caused by pollution or
   any person who you know has never held            under Parts A2, A3, A4, A5, A6 for any            contamination unless the pollution or
   a licence or is disqualified from holding or      accident, injury, loss or damage caused by:       contamination is directly caused by a
   applying for one;                              ■  earthquake; or                                    sudden, identifiable, unintended and
■  is being ridden by, or in the charge of, a     ■  riot or civil commotion if it happens             unexpected event which happens in its
   person who is not complying with the              outside Great Britain, the Isle of Man or         entirety at a specific time and place during
   conditions or limitations of their driving        the Channel Islands.                              the period of insurance. We will treat all
   licence, unless we must provide cover                                                               pollution or contamination which arises out
                                                  5. This policy does not cover any loss,              of one event as having happened at the
   under the Road Traffic Acts;                      damage or legal liability directly or
■  is towing for reward a trailer or disabled                                                          time the event took place.
                                                     indirectly caused by:
   mechanically propelled vehicle;                ■  ionising radiations or contamination by            This exception will not apply in
■  is towing more than one trailer or                radioactivity from irradiated nuclear fuel         circumstances where we have to meet any
   disabled mechanically propelled vehicle at        or from any nuclear waste from the                 compulsory motor insurance laws.
   any one time; or                                  combustion of nuclear fuel; or
■  is being ridden by you, if you do not hold     ■  the radioactive, toxic, explosive or other     8. We will not pay the claim and all cover
   a licence to ride that type of motorcycle         hazardous properties of any explosive             under the policy is forfeited if you or
   or you are disqualified from holding or           nuclear assembly or nuclear component of it.      anyone acting for you makes a claim
   getting a licence.                                                                                  under the policy knowing the claim to be
                                                  6. We will not pay for any liability, injury,        false, fraudulently inflated or supported
2. This policy does not cover any liability          damage or accident while the motorcycle           by fraudulent documents or if loss,
   incurred as a result of an agreement or           is parked or is being ridden in any part of       damage or injury is caused by your wilful
   contract unless that liability would have         an airport or airfield set aside for:             act or with your connivance.
   existed otherwise.                             ■  moving, taking off or landing of aircraft;

                                                                                                                                                11
Policy conditions – applicable to all of the policy

1.   You or your legal personal                   5.   You must do all you can to protect your          Up to three months cover - 50%
     representatives must give us in writing as        motorcycle and keep your motorcycle in           Up to four months cover - 37.5%
     soon as possible full details of any event        a road worthy condition.                         Up to six months cover - 25%
     which could lead to a claim under this                                                             Up to eight months cover - 12.5%
     policy. You must also send us unanswered          If we ask you must let us examine your           Over eight months cover - no refund
     any letters, notices, writs or summonses          motorcycle at any reasonable time.
     you receive to do with the claim. If you                                                           The policy will only be deemed to have
                                                  6.   Your motorcycle must have a current              been cancelled from the date we receive
     know of any possible prosecutions,
                                                       MOT certificate if applicable.                   the certificate of motor insurance. We or
     inquests or fatal accident inquiries you
     must tell us immediately in writing.         7.   The insurance cover this policy provides         our authorised agent may cancel this
                                                       depends on the terms, exceptions,                policy by giving you seven days’ notice
2.   You must not admit responsibility or                                                               by letter. We will send this notice to
                                                       conditions and endorsements in this
     offer or promise anything without our                                                              your last known address (and in the
                                                       policy document and the schedule
     written permission.                                                                                case of Northern Ireland to the DVLNI).
                                                       which must be read as one document.
                                                       Everyone claiming cover must do                  We will refund part of your premium on
3.   If we wish we may take over and deal                                                               a pro rata basis. You must send us your
     with your claim in your name. We may              everything the policy requires for it to
                                                       stay in force.                                   certificate of motor insurance for us to
     also pursue any claim to recover for our                                                           proceed with the cancellation.
     benefit any money we have paid out
                                                  8.   In the first year of your policy, you can
     under this policy. Anyone claiming cover                                                      9.   If we accept a claim under Part A1 of
                                                       cancel this policy at any time by writing
     under this policy must give us whatever                                                            this policy but cannot agree the amount
                                                       to us and at the same time sending to us
     information and help we need.                                                                      to be paid we will pass the matter to an
                                                       your certificate of motor insurance. As
                                                       long as you have not made a claim under          arbitrator.
4.   If at the time a claim is made under this
     policy any other policy exists that would         the policy or an incident has not                The arbitrator will be appointed in
     cover the claim, we will pay only our             occurred which may give rise to a claim,         accordance with the law in force at the
     share of the claim unless it says                 we will refund part of your premium on           time. The arbitrator must have made a
     differently in this policy.                       the following basis:                             decision before you can take legal
                                                       Up to one months cover - 75%                     action against us.
                                                       Up to two months cover - 62.5%
12
10. If the law of any country in which you       13. If your motorcycle is damaged and is         ■   you get a new job (full or part-time)
    are covered by this policy says we must          uneconomical to repair (written off)             or take on a second job;
    settle a claim which we would not                and we agree to settle your claim on         ■   you make changes to your
    otherwise have paid we can ask you or            that basis you will still owe us the full        motorcycle (including fitting security
    the person who incurred the liability to         annual premium as we will have met all           devices); or
    pay us that amount.                              our responsibilities to you under this       ■   you develop any physical or mental
                                                                                                      problem that affects your ability to
                                                     policy. All cover will cease and you must
11. If you do not pay a premium we will                                                               ride.
                                                     send us any documentation that we
    not provide cover from the date the              require.
    premium was due.                                                                              This is not a full list. If you are not sure
                                                 14. During the period of your policy, you        whether you need to tell us about a
12. Under Part A2 of your policy, in respect                                                      change in circumstances, tell us anyway.
                                                     must tell us about any changes which
    of a claim(s) arising out of damage to           may affect your cover. If you fail to do     When you renew your policy you must
    property caused by or in connection with         so, your policy may not be valid and we      tell us about:
    your motorcycle, we may at any time:             may not pay your claim. For example:         ■   any of the changes above;
    ■ pay to you the amount of indemnity
                                                     ■  any event that could lead to a claim      ■   if you or any rider has received any
      provided by this policy to a maximum              under this policy (whether claimed            motoring conviction, including fixed
      of £20 million (after deduction of                for or not);                                  penalties; and
      payments already made); or                     ■   you want to change the riders            ■   if you or any rider has received any
    ■ pay any less amount for such claim(s)              insured under this policy;                   criminal convictions, cautions or
      to be settled.                                 ■   you move house or change the place           fines.
                                                         you keep your motorcycle;
    From the date of such payment we shall           ■  you expect to do fewer or more            You or any rider do not need to
    relinquish control of the negotiations and          miles each year;                          disclose any conviction regarded as
    legal proceedings in connection with such        ■   your name changes (for example, by       spent under the Rehabilitation of
    claim(s) and we shall be under no further            marriage);                               Offenders Act.
    liability except for costs and expenses          ■   you change your motorcycle or the
    incurred with our written consent prior              owner of your motorcycle changes;
    to the date of such payment.                     ■   you change what you use your
                                                         motorcycle for (for example, you
                                                         start using it for business purposes);
                                                                                                                                           13
A guide to making a claim

If you are involved in an                        Getting your motorcycle                           to you, you will need to pay the repairer any
                                                                                                   policy excess or contribution which may be
accident or your motorcycle                      repaired                                          applicable.
is stolen                                        If your motorcycle needs to be repaired we
Call Claimline on 0870 240 1895* as soon as      have a nationwide network of partnership
possible after the incident has occurred.        repairers who can arrange to start work on        If your motorcycle is a total
Assistance is available on this number           your damaged motorcycle with minimum              loss
24 hours a day.                                  delay. Simply call Claimline and we will          If your motorcycle cannot be repaired or the
                                                 contact the nearest partnership repairer for      repair costs exceed the market value of the
                                                 you. Collection and redelivery to your home       motorcycle it will be declared a total loss.
The information you will                         can be arranged if required. Under our
need to provide to us:                           partnership repairer scheme there is no need      Once this is determined, we will immediately
■   your policy/certificate number;              for you to obtain repair estimates.               move your motorcycle to a place of free
■   your personal details and those of the                                                         storage so please make sure that, wherever
    rider; and                                   Partnership repairers have been specially         possible, all your personal effects are
■   full details of the incident and any other   chosen by us to ensure a high standard of         removed from your motorcycle.
    parties involved.                            service and provide high quality repair work,
                                                 with a three year warranty. Their quality is      You should be aware all total loss claims are
                                                 constantly under review by our own team           placed on an industry-wide register to protect
The claim form                                   of engineers.                                     against fraud, and this information is shared
This will be completed over the telephone                                                          between insurance companies.
when you call Claimline. If necessary the        When repairs are complete
claim form will be sent to you for checking                                                        Before a settlement can be made you will
                                                 The repairer will let you know when your          need to provide us with the following
and signing.
                                                 motorcycle repairs are complete. When you         documents:
                                                 collect your motorcycle or when it is delivered   ■  your certificate of motor insurance;
                                                                                                   ■  the vehicle registration document (V5);
                                                                                                   ■  the MOT test certificate (if applicable);


Claimline 0870 240 1895*
                                                                                                   *Calls to 0870 numbers cost no more than calls to 01 or 02
                                                                                                   national numbers. Calls made from mobile phones may
(0044 23 9220 5450 if outside United Kingdom)                                                      cost more.


14
■   all sets of keys;                              Please note that for reasons of safety and to     involved in the accident. Forward any third
■   the motorcycle purchase receipt;               prevent fraud, we actively discourage the         party correspondence to ourselves
■   details of any outstanding finance             retention of motorcycles declared a total loss,   unanswered. Do not attempt to deal with
    relating to the motorcycle; and                by policyholders. We are therefore unable to      any claim yourself unless agreed by us.
■   any other documentation that you may           offer any further cover on such motorcycles
    wish us to take into account when valuing      and all such requests will be declined.           General information
    your motorcycle such as the motorcycle’s
    servicing history.
                                                   If your motorcycle is stolen                      Cherished or personalised
Sending the documents to us direct                 If your motorcycle is stolen and recovered with   number plates
will avoid any unnecessary delay in issuing        damage, it will either be repaired or a total     If your motorcycle is stolen and not recovered
your settlement cheque.                            loss payment made in the manner already           or rendered a total loss you should contact
                                                   described. If the motorcycle is not recovered     the DVLA at the earliest opportunity to make
An engineer will contact you to agree a            this will also be treated as a total loss.        the necessary arrangements to transfer the
valuation of your motorcycle subject to the                                                          plate to a replacement motorcycle. Failure to
deduction of any applicable policy excess, any     We may arrange for a Groupama Insurances          do so could delay your claim.
outstanding finance and any premium yet to         representative to visit you to help us with
be paid. Please note that in such circumstances,   our investigation of theft claims.
you still owe us the full annual premium as we
                                                                                                     Uninsured loss recovery
                                                                                                     When making a claim any costs incurred
have met all our responsibilities to you under     If a third party is involved                      which are not included under your policy,
the policy.                                        DO NOT ADMIT LIABILITY. Obtain names,             such as the excess, are known as ‘uninsured
                                                   addresses and telephone numbers of those          losses’. If you are not at fault then you may
Once you have accepted this amount and
                                                   involved (eg. drivers, passengers, pedestrians    be entitled to recover these from the known
subject to all information and documentation
                                                   and witnesses). Please also obtain insurance      third party. You may have separate cover
being in order, we will issue you with a
                                                   details for any vehicle(s) involved and offer     to assist in this recovery. Check your
cheque within seven working days.
                                                   your insurance details to anyone                  documentation or contact the third party or
                                                                                                     their insurers directly for reimbursement.


Claimline 0870 240 1895*
                                                                                                     *Calls to 0870 numbers cost no more than calls to 01 or 02
                                                                                                     national numbers. Calls made from mobile phones may
(0044 23 9220 5450 if outside United Kingdom)                                                        cost more.


                                                                                                                                                            15
Data Protection Notice                              Persons with a valid claim in respect of a road   We can supply on request further details of
                                                    traffic accident (including citizens of other     the databases we access or contribute to.
Please take a few minutes to read the
                                                    countries) may also obtain relevant
following paragraphs carefully as they
                                                    information which is held on the MID.             Claims history
contain important information relating to the
details that you have given us. You should          You can find out more about this from us,         Under the conditions of the policy you must
show this notice to any other party related to      or at www.miic.co.uk.                             advise us about any insurance related
this insurance.                                                                                       incidents whether or not they give rise to a
                                                                                                      claim.
We are required to send you this information        Fraud prevention, detection
to comply with current data protection              and claims history                                When you advise us about an incident the
legislation. It explains how we may use your        In order to protect the interests of our          information will be passed to appropriate
details and tells you about the systems we          policyholders and to prevent and detect           databases including the Claims Underwriting
have in place that allows us to detect and          fraud we may at any time:                         Exchange register.
prevent fraudulent applications and claims.         ■  share information about you with other
The savings that we make help us to keep                                                              We may search the register and other
                                                       organisations and public bodies including
premiums and products competitive.                                                                    databases when:
                                                       the Police;
                                                                                                      ■  you apply for insurance;
                                                    ■  check and/or file your details with fraud
                                                                                                      ■  in the event of any accident or claim; or
Motor Insurance Database                               prevention agencies and databases; and
                                                                                                      ■  at time of renewal;
Your policy details will be added to the Motor      ■  undertake credit searches and additional
                                                                                                      to validate your claims history or that of any
Insurance Database (MID), run by the Motor             fraud searches.
                                                                                                      person or property likely to be involved in
Insurers Information Centre (MIIC). MID data                                                          the policy or claim.
may be used by the DVLA and DVLNI for the           If you provide false or inaccurate information
purpose of Electronic Motorcycle Licensing and      and fraud is identified, details will be passed
by the Police for the purpose of establishing       to fraud prevention agencies and databases
whether a rider’s use of the motorcycle is likely   to prevent fraud and money laundering.
to be covered by a motor insurance policy
and/or preventing and detecting crime. If you       Please refer to our website
are involved in an accident (in the UK or           www.groupama.co.uk for further details
abroad), other UK insurers, the Motor Insurers’     explaining how the information held by
Bureau and MIIC may search the MID to obtain        fraud prevention agencies may be used.
relevant policy information.

16
What to do in the event of an accident

If you are involved in an accident or    4. DO NOT admit blame or offer            7. Theft
your motorcycle is stolen call              any payment                               If your motorcycle is stolen, you
Claimline on 0870 240 1895* –               Accidents are stressful, but it is        should report the matter to the
assistance is available on this number      essential that you do not admit           police as soon as possible.
24 hours a day.                             blame, or make any offer of
                                            payment. This is due to the fact       8. Note
The following guidelines will help
                                            that it could make it more                It will help speed up your claim if
us to help you with your claim.
                                            difficult for us to manage your           you have all your documents to
1. STOP                                     claim and may also affect your            hand, such as:
                                            rights.                                   ■ certificate of motor insurance;
   If you have an accident with:
                                                                                      ■ driving licence;
   ■ another vehicle;

   ■ a pedestrian;
                                         5. Record all the facts                      ■ registration document; and

   ■ an animal (livestock);
                                            Record all the facts of the accident      ■ MOT certificate (if applicable).

   ■ a dog; or
                                            as soon as possible, regardless of        We will then guide you through
   ■ another person’s property.
                                            how trivial the incident may seem         the claims process.
   You must STOP at once.                   at the time – they may help prove
                                            your case.                             What happens next is
2. Exchange all details                     ■ A rough sketch of the scene          on page 14 – entitled:
   Important information is:                   showing all the positions of          A guide to making a claim
   ■ the names and addresses of all            the vehicles involved, the road
     those involved (including those           signs, markings, width, skid
     of any witnesses);                        marks, obstructions, where the
   ■ insurance company details                 incident happened and the road          CLAIMLINE
     (including policy numbers if              names can help.
     known); and                            ■ A note of the weather                  0870 240 1895*
   ■ registration numbers of the               conditions, visibility and            NOTE : It is important that you only use these
     vehicles involved.                        conditions of the road is also            numbers in connection with a claim.
                                               useful.
3. Show your certificate of motor           ■ If you have a camera handy, all                If phoning from outside
   insurance                                   the better – take a photograph                    United Kingdom
   ■ If someone is injured in the              of the accident scene and any
     accident, you must show our
     certificate of motor insurance
                                               damage.                               0044 23 9220 5450
     to anyone who has a good            6. Letters and documents
     reason for asking to see it.           All letters and documents you          *Calls to 0870 numbers cost no
   ■ You must also report the               receive to do with the incident        more than calls to 01 or 02 national
     matter to the police within 24         should be forwarded to us              numbers. Calls made from mobile
     hours of the incident, and also        unanswered.                            phones may cost more.
     show them your certificate of
     motor insurance.
                                            CLaimLiNe: 0870 240 1895*
                                            NOte: It is important that you only use these numbers in
                                            connection with a claim.

                                            * Calls to 0870 numbers cost no more than calls to 01 or 02
                                            national numbers. Calls made from mobile phones may cost more.




                                                                                                                                           GR242 04/11
Groupama Insurance Company Limited. Authorised and regulated by the Financial Services Authority.
Registered in England Number 995253 Registered Office: 6th Floor, One America Square, 17 Crosswall, London, EC3N 2LB. www.groupama.co.uk

				
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