Summary of Cover

The Norwich Union Short Term Insurance policy protects your car, comprising pay as you go Comprehensive cover for any 24 hour period from 1 to 28 days as detailed in your policy schedule.

Significant features and benefits

Cover	Comprehensive
Legal liability for death or injury to any other person
Legal liability for damage to other people's property
Loss or damage by fire, theft or vandalism
Damage to the insured vehicle in the event of an accident
New Car Replacement
Accident recovery and Norwich Union approved repair service

The following optional cover is also available:
European cover

If you have selected this option, it will be itemised on your schedule and the cover details will be clarified in your policy booklet.

Significant and unusual exclusions or limitations

Your policy excludes some situations. Please refer to your policy document for full details but the most significant or unusual exclusions are outlined below. Your policy excludes or limits the following:

• The first part of any claim - this is known as the "excess" (see Section 1). These are detailed below:

Standard excess	As shown on your schedule
Additional young driver excess for damage claims are in addition to the standard excess: Aged 21 to 24	£250

• The excess applies to claims for windscreen replacement or repair (see Section 1)
• Loss or damage arising from theft while the ignition keys of your car have been left in or on your car (see Section 1)
• Loss of use, reduction in value, wear and tear, or mechanical, electrical or computer breakdowns, failures or breakages (see Section 1)
• Loss of value following a repair (see Section 1)
• Confiscation or requisition or destruction by or under order of any government or public or local authority (see Section 1)
• Damage to tyres by braking or by punctures, cuts or bursts (see Section 1)
• Loss or damage directly caused by pressure waves caused by aircraft or other flying devices travelling at, or above, the speed of sound (see Section 1)

Exclusions

Inappropriate use (see General exceptions)

We will not pay for any accident, injury, loss or damage that occurs while your car is being used for a purpose not shown under the "Description of use" section of your certificate of insurance or while it is being driven by any person not described in your certificate of insurance as entitled to drive.

Conditions

Other insurance (see General Conditions)

The policy excludes liability if any incident leading to a claim is covered under any other insurance policy.

For full details of our cover, download the full policy wording:

Eligibility:

The customer and any other person who will drive must:

• be resident in Great Britain, Northern Ireland or the Isle of Man.
• be aged over 21 (over 25 in respect of group 18-20 cars).
• hold a current, valid, full UK driving licence and have done so for at least 12 months.
• have no more than 8 penalty points in the last 3 years, and have no prosecution or police enquiry pending.
• not have had more than 2 fault claims in any three year period.
• not have been disqualified from driving in the past 3 years.
• only use the car for social, domestic and pleasure purposes or business use by the policyholder excluding the passengers or goods for hire or reward.

Vehicle Criteria:

To qualify for short term insurance, the vehicle must:

• be registered in Great Britain, Northern Ireland or the Isle of Man.
• have a current market value of less than £40,000.
• have no more than 8 seats (including the driver’s.
• not have been imported.
• not be used for the carriage of goods or passengers for hire or reward.
• not be used to carry hazardous goods (other than the carriage of less than 10kg of bottled gass, or 10 litres of flammable solvents in one container.
• not be used or driven at any hazardous location.

Modifications to Vehicles

• Vehicles fitted with manufacturer specified optional extras, fitted at the time of manufacture, are acceptable.
• Vehicles modified to cater for a disabled driver or passenger are acceptable.
• Vehicles that have undergone any post manufacturer ‘after market fit’ modification (cosmetic or performance related) are NOT ACCEPTABLE.