Motorcycle
insurance
Terms and conditions
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Please read our terms and conditions for our motorcycle insurance policies.
- General exclusions which apply to the whole policy
- Your duty to prevent loss or damage
- Claims - your duty
- Claims - our rights
- Fraud
- Other insurance
- Arbitration
- Your duty to keep to the policy conditions
1. General exclusions which apply to the whole policy
- Any accident, injury, loss or damage which happens in the following circumstances:
- While your motorcycle is being used for a purpose which is not shown under the 'Description of use' section of your certificate of motor insurance
- While your motorcycle is being ridden by any person not described in your certificate of motor insurance as entitled to ride. However, we do provide cover for loss, damage or injury
- While your motorcycle is with a member of the motor trade for servicing or repair
- If the injury, loss or damage was caused as a result of your motorcycle being stolen or taken without your permission
- If the person riding does not have a valid driving licence and you did not know this
- While your motorcycle is being ridden by
- You if you do not hold a licence to ride your motorcycle,
- Anyone else, with your permission, who you know does not have a licence to ride your motorcycle
- Any liability you have accepted under an agreement unless you would have had that liability if that agreement did not exist.
- Loss, damage or liability directly or indirectly caused by or arising from either:
- Ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste arising from burning nuclear fuel
- The radioactive, toxic explosive or other dangerous properties of any explosive nuclear explosive nuclear equipment or nuclear part of that equipment
- (i) We will not pay for loss, damage or injury which is the direct or indirect result of any of the following, whether or not contributed to by any other cause:
- War
- Invasion
- Activities of a foreign enemy
- Hostilities or warlike operations (whether war has been declared or not)
- Civil war
- Revolution, rebellion or insurrection(that is people rising up and changing the government by force or attempting to do so)
- Civil commotion which is of such severity or magnitude that it can be likened to a popular uprising
- Military power (even if properly authorised by the duly elected government);or
- Usurped power (that is, power taken by force by any person or group (including the armed forces) not being duly elected government)
(ii) Loss, damage or injury which is the direct or indirect result of any action taken in controlling, preventing, suppressing or in any other way relating to any of the causes listed in (i) above. However we will provide any cover required by the Road Traffic Acts.
- Any accident , injury loss or damage (except as described under 'Liability to third parties')arising during or as a result of:
- Earthquakes
- Riot or civil commotion happening somewhere other than in Great Britain, the Isle of Man, or the Channel Islands
unless you can prove that the accident, injury, loss or damage was not caused by that event.
2. Your duty to prevent loss or damage
- You must take all reasonable steps to prevent loss or damage
- You must maintain your motorcycle in good condition. We may inspect your motorcycle at any time
To get the full benefit of the policy you (or your legal personal representative after your death) must follow the steps below when making a claim:
- Tell the police immediately if any property is lost, stolen, or damaged
- Phone us and give all the information and help we may reasonably ask for. We will not accept responsibility for the cost of goods or services which we have not authorised
- Take all reasonable steps to get back lost or stolen property
- Phone us immediately if you receive any letter or other document about the incident. If you do not do this, it could harm your claim
- Never discuss your responsibility with anyone unless we agree first
- Immediately phone us if anyone insured under the policy is going to be prosecuted as a result of the incident or if there is going to be an inquest or fatal accident inquiry
- You must not leave any property with us for us to deal with
We can do the following:
- Take over and carry out (in your name or the name of the person claiming under the policy) the defence or settlement of any claim
- Try to get back in your name and for our own benefit, damages and costs covered under the policy
- We will have full control over any proceedings and settling any claim
If any claim is any way fraudulent of if you or anyone acting for you has used any fraudulent means, you will lose all benefit under the policy. This will also apply if you exaggerate a claim or if you send forged or false documents to us.
If any incident leading to a claim under the policy is covered under any other insurance policy, we will only pay our share of the claim.
This condition does not mean that we have to accept any liability under Liability to Third Parties which we would otherwise not include because any person insured does not keep to the terms, exceptions and conditions of the policy, or if they can claim under another policy.
It we have accepted a claim but you and we disagree over the amount to be paid, the dispute must be referred to an arbitrator we and you agree to. When this happens, the arbitrator must make a decision before you can take any legal action against us.
8. Your duty to keep to the policy conditions
We will only provide the cover described in the policy if you keep to all the terms, conditions and endorsements of the policy.
Motorcycle insurance from Norwich Union
Find out what our motorcycle insurance covers:
- Comprehensive policy details
- Third party fire and theft policy details
- Additional cover options
- Motorcycle insurance cover comparisons
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0800 092 9561†
