insurance documents€¦ · *harley-davidson insurance services is a trading style of carole nash...

INSURANCE DOCUMENTS

USEFUL NUMBERS AND INFORMATIONCUSTOMER SERVICESIf you have any queries regarding this policy, please contact us:Phone: In the UK: 0800 093 5934 In the Republic of Ireland: 1800 818 788Email: [email protected]

MAKING A CLAIMYou simply call our claims hotline on 0800 093 9845 in the United Kingdom or 1800 818 766 in the Republic of Ireland and an experienced claims handler will take down details of your claim and immediately forward them to your insurer for action. As soon as you put the phone down your claim will start being processed.More information can be found on page 11.

BREAKDOWN ASSISTANCEShould you need to use the breakdown assistance under the terms of the policy, simply call the number below:In the UK: 0800 280 0066 In Ireland: 0906 451 973 In the rest of Europe: 0044 1737 826 113 More information can be found on page 23.

LEGAL EXPENSES COVER Should you require help to recover costs such as loss of earnings, a policy excess, hire of another vehicle or compensation for any injury you suffer as a result of an accident which was not your fault. This cover is included as part of your policy.24hr Legal Helpline Tel. No. In the UK: 0333 241 9567 In the Republic of Ireland: 0044 333 241 9567More information can be found on page 17.

TRAVELLING ABROAD Should you wish to travel to a country outside the EU which is not listed in your Policy Schedule, or if you wish to travel with your motorcycle overseas for longer than is stated in your Policy Schedule, please call us on the following numbers:In the UK: 0800 093 5934 In the Republic of Ireland: 1800 818 788More information can be found on page 7.

IMPORTANT INFORMATIONCHANGES IN YOUR CIRCUMSTANCES You must tell Harley Davidson Insurance Services* immediately about any changes to the information set out in the Statement Of Fact, Certificate Of Motor Insurance or on your Policy Schedule.More Information can be found on page 10.

DATA PROTECTIONPlease check your insurers’ privacy notice on the Statement of Fact for more information on how they use your information

WELCOMEThank you for arranging your motorcycle insurance through Harley-Davidson Insurance Services*, we hope you find this booklet useful in ensuring you get the most out of your insurance policy.Contained within this booklet is information about your policy cover. Please take time to read the policy wording and your Harley-Davidson Insurance Services* Terms of Business (enclosed within your policy document pack) as they contain vital information about your policy.If you have any queries regarding this policy, please contact us:Phone: In the UK: 0800 093 5934 In the Republic of Ireland: 1800 818 788E-mail:[email protected]

HARLEY-DAVIDSON INSURANCE SERVICES* PAGE 1

CONTENTSDefinitions 2Your Cover 3Introducing your HARLEY | RIDER INSURANCE™ policy 3

SECTION 1 Liability to Other People 4

SECTION 2 Loss of, or Damage to, Your Motorcycle 5

SECTION 3 Cover When Your Motorcycle is Being Serviced, Examined or Repaired 7

SECTION 4 Travelling Abroad 7

SECTION 5 No Claim Discount 8

SECTION 6 Lost or Stolen Keys and Replacing Locks 8

POLICY CONDITIONS 8Cancellation 9

GENERAL EXCEPTIONS 10HOW TO MAKE A CLAIM 11SECTION 7 Personal Accident Insurance 13

SECTION 8 Motorcyclists’ Helmet and Leathers Insurance 15

SECTION 9 Legal Expenses Cover 17

SECTION 10 United Kingdom, Republic of Ireland and European breakdown Recovery 23

COMPLAINTS PROCEDURE 28

HARLEY-DAVIDSON INSURANCE SERVICES*:

OUR COMMITMENT TO YOU1. We will respond to your feedback, ensuring that

our products and services meet the needs of motorcyclists.

2. We will ensure all information on our website and in our documents is free from jargon and easy to understand.

3. We will make it easy for you to contact us, so that we remain up to date with issues that are important to you.

4. Our knowledgeable and properly trained staff will deal with your business quickly and efficiently.

5. We accept responsibility for our actions and if we make a mistake, we are open and honest enough to apologise and put it right as quickly as possible.

6. We’ll make sure our documentation and communications are written in plain English.

HARLEY | RIDER INSURANCE™ is arranged and administered by Carole Nash Insurance Consultants Limited. * Harley-Davidson Insurance Services is a trading style of Carole Nash Insurance Consultants Limited and neither Harley-Davidson Europe Limited, its parent company Harley-Davidson Holding Co., Inc., nor any of their respective subsidiaries or affiliates underwrite, administer or have any other liability in respect of the insurance. *Harley-Davidson Insurance Services is a trading style of Carole Nash Insurance Consult-ants Ltd which is authorised and regulated by Financial Conduct Authority. Registered in England and Wales 2600841. ©H-D 2018. Harley, Harley-Davidson and the Bar & Shield logo are among the trademarks of H-D U.S.A., LLC.

PAGE 2 HARLEY-DAVIDSON INSURANCE SERVICES* HARLEY-DAVIDSON INSURANCE SERVICES*

DEFINITIONS The following words or phrases have the meanings given below whenever they appear in the main Motorcycle Insurance Policy wording. These will be shown in bold.

ACCESSORIES AND SPARE PARTSItems which are for your motorcycle only and are on or attached to your motorcycle, or in your private garage, at the time of the loss or damage.

ACTS OF TERRORISMAny act that the government of the United Kingdom considers to be an act of terrorism. The use of or threat of action, force or violence by any person or group of people acting alone or on behalf of any organisation or government for political, religious, ideological or similar beliefs. This includes trying to influence any government or intimidate the public.

AGREED VALUEThis is the amount shown in the Policy Schedule, which represents the value of your motorcycle. This is the most we will pay you if your motorcycle is lost, a total loss or where the cost of repairs is greater than the agreed value.You must send all photographs and valuations that Harley-Davidson Insurance Services* require as evidence of the value of your Harley-Davidson® motorcycle. If they have not received and accepted the photographs and valuations they require, any loss or damage to your Harley-Davidson® motorcycle will be based on the market value of your Harley-Davidson® motorcycle and not on the agreed value of your Harley-Davidson® motorcycle.

CERTIFICATE OF MOTOR INSURANCEEvidence that you have the motor insurance required by law. It shows who may ride your motorcycle and what it may be used for.

CONDITIONSThese describe your responsibilities and the procedures that you must follow. Failure to meet with policy conditions could mean that you do not have the full protection of your policy and that we may refuse to deal with your claim or reduce the amount of any claim payment.

ENDORSEMENTA change in the terms of the insurance which replaces the standard insurance wording, and is printed on, or issued with, the Policy Schedule.

EXCESSThe amount you must pay towards any claim.

HARLEY-DAVIDSON® MOTORCYCLEA motorcycle manufactured by Harley-Davidson or Buell only.

INSURER, WE, US, OURThe Insurer described in the Policy Schedule.

KEYAny key or alternative electronic or mechanical device designed to open the motorcycle’s locks or turn on the ignition (or both).

MARKET VALUEThe cost of replacing your motorcycle with another of the same make, specification (for example, the level of equipment found on your motorcycle), model, age, mileage and condition as your motorcycle was just before the loss or damage you are claiming for.

MOTORCYCLEAny mechanically propelled vehicle with or without a sidecar that has less than four wheels as specified on the Policy Schedule or described in the current Certificate of Motor Insurance.

PERIOD OF INSURANCEThe period of time covered by this insurance (as shown on the Certificate of Motor Insurance and your Policy Schedule).

POLICY SCHEDULEThis provides details of you, your motorcycle and the insurance protection provided to you.

RACETRACKAny track, field, circuit or road, including toll roads (with no maximum speed limit), which is being used at the time of the loss or damage for racing, rallies, pacemaking, speed trials or track days.

TERRITORIAL LIMITSEngland, Scotland, Wales, Northern Ireland, the Isle of Man, the Channel Islands, the Republic of Ireland, any other country that is a member of the European Union and any other country stated on the back of your Certificate of Motor Insurance.

UNITED KINGDOMEngland, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

YOU/YOUR/POLICYHOLDERThe person described as the policyholder on the current Certificate of Motor Insurance.

YOUNG RIDERA person riding a motorcycle who is under 25 at the time of an event which you or they may be entitled to claim for.

YOUR COVER• For comprehensive cover, sections 1, 2, 3, 4, 5,

6, 8, 9 and 10 apply. • For third party, fire and theft cover, sections

1, 2 (loss or damage caused by fire, theft or attempted theft only) 3, 4, 5, 6, 8, 9 and 10 apply.

• For third party only cover, sections 1, 3, 4, 5, 8, 9 and 10 apply.

Section 7 will only apply if you have paid an additional premium.

INTRODUCING YOUR HARLEY | RIDER INSURANCE™ POLICYThis policy booklet gives full details of your cover.If you have any questions please contact Harley-Davidson Insurance Services* who will assist you.Please keep all your insurance documents in a safe place as you may need to read them if you want to make a claim.

CONTRACT OF INSURANCEWe will provide insurance under the terms, exceptions, conditions and endorsements of this policy, during any period for which we have accepted your premium.You must read all the documents which include your Statement of Fact, Policy Schedule and Certificate of Motor Insurance.

THE LAW THAT APPLIES TO THE POLICYIf you are resident in the United Kingdom, English law will apply to this contract of insurance unless you and we agree otherwise.If you are resident in the Republic of Ireland, Irish law will apply to this contract of insurance unless you and we agree otherwise.Signed for and on behalf of the insurers.

Ian Donaldson Chief Executive Officer Harley-Davidson Insurance Services*.


SECTION 1 LIABILITY TO OTHER PEOPLE

WHAT WE WILL COVERA. COVER FOR YOUR LIABILITIESThis policy covers you for:• all your legal responsibilities as a result of death

of or injury to anybody caused by an incident involving your motorcycle; and

• damage to any property as a result of an incident involving your motorcycle. We will pay up to £20 million, or €30 million if you are resident in the Republic of Ireland, (including all costs, expenses and indirect losses, apart from those covered under the legal expenses part of your policy). This cover applies to any one event or any series of incidents resulting from one event.

B. STATIC DISPLAYWe will also provide the cover outlined in section 1A when your motorcycle is part of a static display.

C. RALLIESWe will also provide the cover outlined in section 1A when your motorcycle is being used in connection with club rallies, national or international rallies. This cover does not apply to any rally that includes any racing, pacemaking or being in any contest or speed trial.

D. COVER FOR OTHER PEOPLEWe will also provide the cover outlined in section 1A for:• anyone insured by this policy to ride your

motorcycle as long as they have your permission;

• anyone you allow to use (but not ride) your motorcycle for social, domestic and pleasure purposes (that is, not for business purposes);

• anyone who is travelling on or getting on or off your motorcycle; and

• your employer (as long as they have your permission to ride your motorcycle and are allowed to do so by your current Certificate of Motor Insurance).

E. COVER FOR LEGAL PERSONAL REPRESENTATIVESIf anyone insured under the policy dies, we will transfer the protection we provide under this policy to their estate.

F. EMERGENCY MEDICAL TREATMENTWe will pay for emergency medical treatment fees as set out in the Road Traffic Act.If this is the only payment we make under this section, it will not affect your no claim discount.

G. RIDING OTHER MOTORCYCLESIf your Certificate Of Motor Insurance says so, this policy provides the same cover as shown in section 1A when you are riding any motorcycle as long as: you do not own it; and it is not hired to you under a hire-purchase or leasing agreement.This cover only applies if:• there is no other insurance in force which covers

the same claim; • you have the owner’s permission to ride the

motorcycle; • the motorcycle is being ridden in the United

Kingdom or the Republic of Ireland; and • you still have your motorcycle and it has not

been declared a total loss.• the owner or keeper of the motorcycle you

are riding has arranged his/her own insurance separate to this policy.

You cannot make use of this section to release any motorcycle if it has been seized by, or on behalf of, any government or public authority.

H. LEGAL COSTSIf we give our permission in writing beforehand, we will pay the fee for a solicitor to:• represent anybody insured under this policy at

any coroner’s inquest or fatal accident inquiry; or • defend anybody insured under this policy in a

magistrates’ court, or a similar court in Scotland, Northern Ireland, the Isle of man, the Channel Islands and the Republic of Ireland, as long as the case relates to an event you may be able to claim for under parts 1A or 1B of this policy.

We will pay for legal services to defend anyone insured under this policy if legal action is taken against them for: • manslaughter; • causing death by dangerous driving; or • causing death after drinking alcohol or

taking drugs.

WHAT WE WILL NOT COVERThis applies to all claims made under parts 1A, 1B, 1C and 1D of the policy.• we will not cover loss of or damage to your

belongings or the belongings of anybody else insured.

• we will not cover anyone riding your

motorcycle who has never held a licence to ride it or who is disqualified from riding.

• we will not cover anyone who fails to keep to any of the terms, conditions and endorsements of this policy.

• we will not cover the liability of anyone insured under this policy for causing the death of, or injury to, any employee who was carrying out any activity associated with their work at the time of the accident, unless the Road Traffic Act says otherwise.

• we will not cover loss of or damage to the motorcycle being used or ridden at the time of the incident.

• we will not cover loss of or damage to any trailer or vehicle you tow.

SECTION 2 LOSS OF, OR DAMAGE TO, YOUR MOTORCYCLE

WHAT WE WILL COVERIf your motorcycle, its accessories and spare parts are lost, stolen or damaged, we will: • repair the damage ourselves; • replace what is lost or is damaged if this is more

cost-effective than repairing it; or • settle your claim by sending you a cheque for

the amount of the loss or damage.RIDING OTHER MOTORCYCLESThis section of the policy also provides the same cover when you are riding another Harley-Davidson® motorcycle as long as: • you do not own it; and • it is not hired to you under a hire-purchase or

leasing agreement.This cover only applies if:• there is no other insurance in force which covers

the same claim; • you have the owner’s permission to ride the

motorcycle; and • the motorcycle is being ridden in the United

Kingdom or the Republic of Ireland.THE MOST WE WILL PAY FOR YOUR MOTORCYCLEWe will not pay more than the market value of your motorcycle (including any accessories and spare parts) at the time of the loss or damage, less any excess that may apply, unless there is an agreed value for your motorcycle shown on your Policy Schedule.

HIRE-PURCHASE, LEASING AND OTHER AGREEMENTSIf your motorcycle is owned by someone else, we will settle any claim by paying the legal owner before paying anything left over to you.

PARTS THAT ARE NOT AVAILABLEIf a replacement for any damaged accessory or part of your motorcycle is not available, the most we will pay is its price (as specified by the manufacturer) at the time of the loss. We will not pay more than the cost of the accessory or part as shown in the manufacturer’s last price list in the United Kingdom, or the Republic of Ireland if you are resident there.We may decide to repair your motorcycle with parts which have not been made or supplied by your motorcycle’s manufacturer, but which are of a similar standard.We are not responsible for: • any extra costs of storing your motorcycle that

result from any accessory or part not being available; or

• the cost of importing any accessory or part into the United Kingdom, or the Republic of Ireland if you are resident there.

WHAT WE WILL NOT COVER• we will not cover the excesses shown in your

Policy Schedule. • we will not cover loss or damage caused by

wear and tear. • we will not cover any reduction in the market

value of your motorcycle (for example, reductions caused by the age of the motorcycle or the number of miles it has covered).

• we will not cover loss in the market value of your motorcycle resulting from any repair, whether or not this has happened as a result of any claim under this policy.

• we will not cover any mechanical, electrical or computer equipment breaking or failing to work properly.

• we will not cover damage to tyres caused by braking, punctures, cuts or bursts.

• we will not cover damage caused by pressure waves from an aircraft or other flying object travelling at or beyond the speed of sound.

• we will not cover loss of, or damage to, any trailer or anything inside, while being towed by or attached to your motorcycle.

• we will not cover loss or damage you or anybody insured under this policy has done deliberately.

• we will not cover you for loss of use or other indirect losses (such as travel costs or loss of earnings).


• we will not cover your motorcycle being stolen by someone who claims to be a buyer or a buying or selling agent.

• we will not cover loss of, or damage to, your motorcycle if, at the time of the incident, someone in your family or someone who is living with you was using it without your permission. This exception does not apply if you report the person using your motorcycle to the police, or Garda if you are resident in the Republic of Ireland, for taking your motorcycle without your permission.

• we will not cover loss or damage caused by any government, public or local authority legally taking, keeping or destroying your motorcycle.

• we will not cover loss of, or damage to, televisions, phones, games consoles, electronic-navigation or radar-detection equipment not permanently fitted to your motorcycle and which was not part of the manufacturer’s specification when your motorcycle was first registered.

• we will not cover loss of, or damage to, your motorcycle if it is left with the keys in or on it.

NEW MOTORCYCLE BENEFITWe will replace your motorcycle with one of the same make, model and specification if: • your motorcycle is less than 12 months old; • you are the first and only registered keeper

(or the second registered keeper if the first registered keeper is a company we recognise as a main agent of the motorcycle’s manufacturers); and

• your motorcycle has: - been stolen and not found; or - been damaged and the cost of repairing the motorcycle is more than 70% of the manufacturer’s United Kingdom, list price, or the Republic of Ireland list price if you are resident there, at the time of the damage (including tax and VAT) for a motorcycle that is exactly the same.

We will only replace your motorcycle if you and anyone else who has a financial interest in your motorcycle agrees.If a replacement motorcycle which is the same make, model and specification as your old motorcycle is not available, we will pay you the price of your motorcycle, fitted accessories and spare parts as shown in the manufacturer’s last United Kingdom price list, or the Republic of Ireland list price if you are resident there, less any excess that may apply.

If we settle a claim under this section of the policy, your lost or damaged motorcycle becomes our property and you must send us its registration document.

REMOVING AND DELIVERING YOUR MOTORCYCLEIf your motorcycle is in the United Kingdom, or the Republic of Ireland if you are resident there, and cannot be ridden as a result of loss or damage which is covered under this policy, we will pay the cost of protecting it and taking it to the nearest suitable repairer. We will also pay the cost of delivering your motorcycle to you at the address shown in your Policy Schedule after it has been repaired.

RADIO AND AUDIO EQUIPMENTThis policy covers loss or damage to any radio or audio equipment permanently fitted to your motorcycle.There is no limit on the level of cover for equipment on your motorcycle which was fitted by the manufacturer at the time the motorcycle was made.We cover equipment not fitted to the manufacturer’s specification up to the following limits: • if you have comprehensive insurance the most

we will pay is £500, or €500 if you are resident in the Republic of Ireland, after taking off the excess that applies to your claim.

• if you have third party, fire and theft insurance, the most we will pay is £250, or €250 if you are resident in the Republic of Ireland, after taking off any excess that applies to your claim.

EXAMPLES• you have comprehensive insurance with a

£100/€100 excess. Your motorcycle stereo, which was not fitted by the motorcycle manufacturer and is worth £700/€700, is stolen. You claim for the full cost of the stereo £700/€700. We take the £100/€100 excess from your claim, which leaves £600/€600. But we will pay £500/€500, which is the policy limit on comprehensive cover.

• You have third party fire and theft insurance with £100/€100 excess. Your motorcycle stereo, which was not fitted by the motorcycle manufacturer and is worth £200/€200, is stolen. You claim for the full cost of the stereo £200/€200. We take the £100/€100 excess from your claim, which leaves £100/€100. So we will pay you £100/€100.

We will also pay for loss or damage to any radio or other audio equipment which has been removed from your motorcycle if:

• the equipment is designed to be removed (or partly removed);

• the equipment cannot work without your motorcycle; and

• you have temporarily removed it from your motorcycle for security reasons.

YOUNG RIDERSIf your motorcycle or any of its accessories and spare parts are damaged while it is being ridden by a young rider, you will be responsible for the first part of the cost, on top of any compulsory and voluntary excesses set out in your Policy Schedule, as shown below. Age Young rider Young rider resident in resident in the United Kingdom Republic of Ireland 17 - 20 £150 €175 21- 24 £100 €125 25 - 29 £50 €75

SECTION 3 COVER WHEN YOUR MOTORCYCLE IS BEING SERVICED, EXAMINED OR REPAIRED

WHAT WE WILL COVERYour cover continues to apply to your motorcycle when it is being serviced, examined or repaired at premises involved in the motor trade.At these times the limits about riding and using your motorcycle set out in your Certificate of Motor Insurance will not apply, as long as it is only being ridden or worked on by a motor trader or their employees.If at the time a claim is made under this section any other policy exists that would cover the claim, we will pay only our share of the claim.

SECTION 4 TRAVELLING ABROAD

WHAT WE WILL COVEREUROPEAN UNION (EU) COMPULSORY COVERWe provide the minimum cover required by law to allow you to use your motorcycle in any of the following countries:• any country, which is a member of the European

Union.

• any country which the Commission of the European Communities is satisfied has made arrangements of Article (8) of EC Directive 2009/103/EC relating to civil liabilities arising from the use of a motor vehicle.

European Union (EU) compulsory cover does not apply when you are riding any motorcycle that you do not own or have hired under a hire purchase or leasing agreement.In addition we will also provide the cover shown in your Policy Schedule while you are using your motorcycle within the areas listed above.While you are visiting these countries, your insurance will be extended to cover the following:• your motorcycle being moved (including

loading and unloading) by sea, rail or air between the countries where you have cover.

• in the event of any incident which results in a claim under Section 2 - Loss of, or damage to, your motorcycle, or Section 3 - Cover when your motorcycle is being serviced, examined or repaired. - the cost of delivering your motorcycle to you or to your home in the United Kingdom or the Republic of Ireland after necessary repairs have been finished; or

- foreign customs duty you must pay because damage to your motorcycle prevents its return to the United Kingdom or the Republic of Ireland.

• General Average and Salvage charges if you are liable.

We will only provide this cover if your permanent home is in the United Kingdom/Republic of Ireland.Important: The length of time that we will give cover for under this section in any one period of insurance may be limited. The number of days that we will provide this cover for will be specified in the endorsements shown in your Policy Schedule.If you want to travel to a country that is not shown on the back of your Certificate of Motor Insurance, or if you wish to go for longer than the number of days shown in your endorsement, please contact our Customer Services team on 0800 093 5934. In the UK or 1800 818 788 in the Republic of Ireland.


SECTION 5 NO CLAIM DISCOUNTIf you do not make a claim, we will allow you a no claim discount.You cannot transfer your no claim discount to another person. You will not lose your no claim discount if:• the only claim you make is under section 1f of

this policy;• we can get back all the money we have paid

to settle your claim from somebody else (for example, if an accident is not your fault and the other person’s insurers admit full responsibility for it); or

• you have to make a claim because: - your motorcycle is hit by an identified driver or rider who is not insured; and

- the accident is completely their fault. (You will also not have to pay any excess in this circumstance.)

NO CLAIM DISCOUNT PROTECTIONIf your Policy Schedule indicates you have the cover, your no claim discount is protected as long as there are no more than two claims that will affect your no claim discount in any five years in a row that you are insured.

SECTION 6 LOST OR STOLEN KEYS AND REPLACING LOCKS

WHAT WE WILL COVERIf you lose your motorcycle’s keys or they are stolen, and we decide that it is necessary to replace the keys and locks to prevent your motorcycle from being stolen, we will pay for this as long as you did not leave them in or on your motorcycle when they were lost or stolen.The most we will pay for any one event is £400, or €450 if you are resident in the Republic of Ireland. Your excess does not apply to this part of the policy.

CONDITIONS THAT APPLY TO SECTIONS 1-61. GENERALYou must comply with the following conditions to have the full protection of your policy. If you do not

comply with them we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment.

2. YOUR DUTYAll the information given to us must be complete and correct to the best of your knowledge. You are responsible for making sure that information you provide relating to all riders the policy covers is complete and correct.

3. HOW TO CLAIM AND HOW TO TELL US ABOUT CLAIMS WHICH MAY BE MADE AGAINST USIn this condition only, you means you, your Legal Representative or anybody insured under this policy.You must give us, as soon as possible, full details of any event that could lead to a claim under this policy.You must not: • admit an accident is your fault; • negotiate to settle any claim; or• offer or promise anything without our permission

in writing.You must send us, unanswered, any documents you receive to do with the claim (or any accident or event which may lead to a claim).If you know about any possible legal action or inquiries that might be carried out, you must tell us immediately.We may, in your name, take over and deal with a claim and try to recover from others any money we have paid out under this policy. At all times you must give us whatever help we need.If the law of any country where you are covered by this policy says we must settle a claim which we would not otherwise have paid, we can ask you (or the person who caused the event) to pay us that amount.

4. OTHER INSURANCEIf you were covered by any other insurance for an incident which resulted in a valid claim under this policy, we will not pay any of the claim.

5. TAKING CARE OF YOUR MOTORCYCLE AND PROPERTYYou must make sure that:• your motorcycle is in a roadworthy condition

and is safe to ride; • you do all you can to keep your motorcycle

and its contents safe; • you do all you can to protect yourself against

bodily injury: and

• you do all you can to protect your motorcycle protective clothing and keep them in a good state of repair.

If your motorcycle is damaged by something covered under this policy, you must do whatever is necessary to protect your motorcycle and its accessories from further loss or damage.If we ask, you must let us examine your motorcycle at any reasonable time.Your motorcycle must have a current MOT certificate or European equivalent (if it applies).

6. COOLING OFF PERIODYou have the right to cancel your policy for a period of 14 days, either from the day of purchase/renewal of the contract or from the day you receive your policy documentation, whichever is the later. If you exercise this right you will be charged for the number of days cover that has been provided plus a cancellation fee. Please refer to the Harley-Davidson Insurance Services* Terms of Business for details. There will be no refund if a total loss has occurred. You may cancel your policy with immediate effect by notifying Harley-Davidson Insurance Services* by phone or by post.If you wish to cancel and the insurance cover has not yet commenced, you will be entitled to a full refund of the premium paid.

7. CANCELLATION BY YOUYour insurance policy has been arranged for a period of 12 months and you are required to pay the full premium.If you cancel the insurance other than in accordance with policy Condition 6 ‘Cooling Off Period’ and there has been no claim(s), you will be charged for the number of days cover that has been provided plus a cancellation fee, details of which can be found in the Harley-Davidson Insurance Services* Terms of Business.Your insurance premium will include a payment for your Legal Expenses and Breakdown cover which Harley-Davidson Insurance Services* have included as part of the Harley-Davidson Insurance Services* product.This payment is non-refundable upon cancellation of the policy other than if cancelled by you during your 14-day ‘cooling off’ period. Please refer to the Harley-Davidson Insurance Services* Terms of Business for details.

You may cancel your policy with immediate effect by notifying Harley-Davidson Insurance Services* by phone or by post. If a claim has has occured there there will be no refund.

8. OUR RIGHT TO CANCELIn the unlikely event that your existing insurer or Harley-Davidson Insurance Services* need to cancel your policy, you will be given seven days notice in writing. This will be sent to your last known address.Valid reasons for cancelling include but are not limited to:• if you do not pay your premium or instalment

payment by payment due date; • where we reasonably suspect fraud or

misrepresentation;• if you do not provide us with information or

documentation we reasonably require;• where you have not taken reasonable care to

provide complete and accurate answers; • where you or anyone else covered by the

insurance has not met the policy terms and conditions;

• where a change in your circumstances means we can no longer provide cover.

Harley-Davidson Insurance Services* will work out any refund (if applicable) for the unused part of your premium. Harley-Davidson Insurance Services* will also deduct a cancellation fee. Please refer to the Harley-Davidson Insurance Services* Terms of Business.Where we find evidence of fraud or deliberate misrepresentation we may void the policy back to the date when you first provided us with this information or the start of this polioy. Where fraud is identified we will:• not return any premium paid by you;• recover from you any costs we’ve incurred;• pass details to fraud prevention and law

enforcement agencies who may access and use this information. Other insurers may also access this information.

Please bear in mind that it is an offence under the Road Traffic Act to ride, or permit a motor vehicle to be on the public highway or other place, if you have not met the minimum insurance requirement.

9. ARBITRATION If we accept your claim under sections 2, 6, 7 or 8 of this policy but we and you cannot agree the amount we should pay, we may pass the matter to an arbitrator to decide. The arbitrator is an independent person who we and you will appoint


in line with the law in force at the time. You cannot take legal action against us before the arbitrator makes a decision.

10. PAYING YOUR PREMIUMIf you have not paid your premium, we will not provide cover from the date the premium was due.

11. CONTRACTS (RIGHTS OF THIRD PARTIES) ACTIf you are resident in the United Kingdom, under the Contracts (Rights of Third Parties) Act 1999 or any other relevant laws, only you and we may enforce any of the terms of this policy. This will not affect any rights other people or organisations have under other laws.

12. CHANGES IN YOUR CIRCUMSTANCESYou must tell Harley-Davidson Insurance Services* immediately about any changes to the information set out in the Statement of Fact, Certificate of Motor Insurance or on your Policy Schedule. You must also tell Harley Davidson Insurance Services* immediately if any of the following happens: • you or any rider receive any motoring

convictions or fixed penalty endorsements (pending or not) or any accidents, claims, thefts or losses occur including fault and non fault, whether claimed for or not on any motor vehicle policy;

• you or any other rider has been convicted of a criminal offence or have possible prosecutions outstanding;

• the main rider of your motorcycle changes; • the registered keeper of your motorcycle

changes; • you change your motorcycle for another one; • any modification to or alterations from the

manufacturers standard specification, including any manufacturer or dealer fitted option, whether or not performance is altered or any other changes which could improve value, appearance, performance or handling;

• the condition of your motorcycle changes (if your motorcycle is on an agreed value basis);

• you change the place where you usually keep your motorcycle;

• you or any rider develops a health condition which may affect their riding;

• the mileometer on your motorcycle fails (applicable only if you have submitted an annual mileage declaration);

• you change your occupation.;• you change your address.

This is not a full list. If you are not sure

whether to report any change, please speak to Harley-Davidson Insurance Services*. We may re-assess your cover and premium as a result of any important information you give and mid-term changes may be subject to additional fees, as detailed in our Terms of Business document. If the information provided by you is not complete and accurate: • we may cancel your policy and refuse to pay

any claim, or • we may not pay any claim in full, or• we may revise the premium and/or change the

compulsory excess, or • the extent of the cover may be affected.

13. AGREED VALUEYou must send all photographs and valuations that Harley-Davidson Insurance Services* require as evidence of the value of your Harley-Davidson® motorcycle. If they have not received and accepted the photographs and valuations they require, any loss or damage to your Harley-Davidson® motorcycle will be based on the market value of your Harley-Davidson® motorcycle and not on the agreed value of your Harley-Davidson® motorcycle.

14. FAILURE TO PAY A PREMIUM INSTALMENTIf you fail to pay an instalment you will be charged a missed payment fee and be given a notice of cancellation.If payment is not made within the period of this notice, the policy will be cancelled and you will be charged for the number of days cover that has been provided plus a cancellation fee will be made. Please refer to the Harley-Davidson Insurance Services* Terms of Business for details.

GENERAL EXCEPTIONS THAT APPLY TO SECTIONS 1-6MOTORCYCLE USERThis policy does not apply when any motorcycle it covers is:• being ridden or used by anybody who is not

allowed to do so under your Certificate of Motor Insurance;

• being ridden or used for purposes not shown on your Certificate of Motor Insurance;

• being ridden with your permission by anybody you know has never held a driving licence or is disqualified from holding or applying for a driving licence;

• being ridden or used by you if: - you are disqualified from holding or applying for a driving licence;

- you do not hold a current and valid driving licence; or

- you are not complying with the terms and conditions of your driving licence;

• towing a caravan, trailer or broken-down vehicle for payment; or

• towing more than one caravan, trailer or broken-down vehicle at any one time.

CONTRACTSThis policy does not cover any liability you have under an agreement or contract, unless you would have had that liability anyway.

WARThis policy does not cover any loss or damage caused by war, invasion (whether or not war is declared), civil war, rebellion, insurrection, revolution, military force, acts of terrorism or other hostile events, unless we must provide cover under the Road Traffic Acts.

RADIOACTIVITYThis policy does not cover any loss, damage or legal liability directly or indirectly caused by:• ionising radiation or radioactive contamination

from nuclear fuel or from burning nuclear fuel; or• radioactive, poisonous, explosive or other

dangerous properties of any explosive nuclear machinery or any part of it.

USING YOUR MOTORCYCLE ON AIRFIELDSWe will not pay any claim for events that happen while your motorcycle is parked or is being ridden or used in any area of an airport or airfield used for:• moving, taking off or landing aircraft;• parking aircraft or other ground equipment, and

for maintaining and refuelling; or• customs inspections at passenger terminals.

POLLUTIONUnless the law says otherwise, we are not liable for any loss, damage or liability caused by pollution or contamination unless the pollution or contamination is caused by a sudden, identifiable, unexpected and unintended event which happens at one time and place during the period of insurance. We will treat all pollution or contamination which results from one event as having happened at the same time the event took place.

FRAUDWe will not pay any claim and all cover under the policy will end from the date you (or anyone acting

for you):• make a false or exaggerated claim or support

your claim with forged or fraudulent documents or evidence; or

• deliberately cause the loss, damage or injury.RIOTApart from events covered under section 1, we will not cover any accident, injury, loss or damage that happens outside England, Scotland, Wales, the Isle of Man, Channel Islands and the Republic of Ireland that is caused by riot or civil commotion.

EARTHQUAKEApart from events covered under section 1, we will not cover any accident, injury, loss or damage caused by earthquakes.

USE ON A RACETRACKThis policy will not cover loss, damage, injury or liability arising while your motorcycle is being used on a racetrack or for completing pre-paid laps of circuits such as the Nurburgring. Provided your Harley-Davidson® motorcycle is not involved in any racing, pacemaking or is taking part in any contest or speed trial, this exclusion will not apply when your Harley-Davidson® motorcycle is being used in connection with any club rallies, national or international rallies.

MAKING A CLAIM UNDER SECTIONS 1 - 6IF YOUR MOTORCYCLE IS INVOLVED IN AN ACCIDENT OR HAS BEEN DAMAGED OR STOLEN, HERE’S WHAT TO DO.Suffering an accident or theft can be distressing and inconvenient.Harley-Davidson Insurance Services*, with our highly trained, in-house team is on hand to provide you with reassurance, practical advice and assistance - and ensure your claim is swiftly, sympathetically and professionally processed.Our in-house ‘Talking Claims’ removes much of the inconvenience and hassle to you.One call does it all. You simply call our claims hotline on 0800 093 9845 in the United Kingdom or 1800 818 766 in the Republic of Ireland and an experienced claims handler will take down details of your claim and immediately forward them to your insurer for action. As soon as you put the phone down your claim will start being processed.

ACCIDENT NOT YOUR FAULT?Because your Harley-Davidson Insurance Services*


benefits package includes Legal Expenses cover, we will help you recover your losses and may be able to provide you with a replacement vehicle.

WHAT YOU WILL NEED TO TELL USYou will need to tell us:• your policy number or the number shown on

your Certificate of Motor Insurance;• your personal details; • the rider’s personal details, if you were not riding

your motorcycle; and• full details of what happened, including the

details of any other people or vehicles involved and any witnesses’ names and addresses.

Your insurer may arrange for one of their representatives to visit you to help investigate your claim.

GETTING YOUR MOTORCYCLE REPAIREDIf your motorcycle needs to be repaired, we have a network of partnership repairers across the United Kingdom and the Republic of Ireland who can arrange to start work on your damaged motorcycle as soon as possible. You do not need to get estimates for the repair because your insurer already has agreements in place with their repairers.We can arrange to collect your motorcycle from your home and return it to you once it has been repaired. When your motorcycle has been repaired, you will need to pay the repairer the excess and any contribution that may apply.We have chosen repairers carefully to make sure you receive the highest standard of repairs and service. All repairs carried out by repairers we approve are backed by a three-year warranty.If you want, you can arrange for a repairer you choose to carry out the repairs. If you want to do this, you must send us a detailed repair estimate and full details of the accident before your repairer starts any work.

YOUR MOTORCYCLE IS A TOTAL LOSSIf:• your motorcycle cannot be repaired; • the cost of the repair is more than the market

value of the motorcycle and its accessories; or

• your motorcycle is stolen and not found.If your Policy Schedule shows that your motorcycle is insured on an agreed value basis, in the event of a total loss you may be given the option to purchase any remaining salvage at the amount your motorcycle will attract on the open

market in its damaged condition.If your motorcycle is insured on a market value basis, in the event of a total loss the motorcycle will become our property. You must send us its registration document.

DOCUMENTS YOU MUST SEND US TO CLAIM FOR A TOTAL LOSSBefore we can deal with your claim, you must send us:• the motorcycle registration document;• the MOT test certificate or European equivalent

(if applies);• all sets of motorcycle keys;• details of any money you still owe for the

motorcycle; and• any other documents you may want us to take

into account when valuing your motorcycle (such as the motorcycle’s service history).

If possible, please also send us the receipt for your motorcycle. This will help us deal with your claim faster.Please send the documents to us direct so we can pay your claim as soon as possible.We will contact you to agree the market value of your motorcycle. From this value we will take off the amount of:• any excess; • any money you owe; and • any premium you have not yet paid. You must

still pay the full yearly premium because we have met all our responsibilities to you under the policy.

IF YOUR MOTORCYCLE IS STOLENIf your motorcycle is stolen and is found, but it has been damaged, we will either repair it or treat it as a total loss as described above.If the motorcycle is not found we will treat it as a total loss.We place all claims for a total loss on a register shared by a range of insurance companies. This is to protect us against fraud.

PERSONALISED NUMBER PLATESIf you are resident in the United Kingdom and your motorcycle is stolen and not found, or declared a total loss, you should contact the Driver and Vehicle Licensing Authority (DVLA) as soon as possible to transfer your number plate to a replacement motorcycle.If you fail to do this, we may not be able to pay your claim as quickly as we normally would.

CLAIMING FOR ‘UNINSURED LOSSES’When you make a claim, any costs which are not included under your policy (such as your policy excess) are known as ‘uninsured losses’.If you have an accident and it is not your fault, you may be able to claim these costs back from the other driver or rider. Before you contact the other driver, rider or their insurers direct, you must tell us that this is what you plan to do.

SECTION 7 PERSONAL ACCIDENT INSURANCEThis section provides cover in relation to accidents arising from the use of your motorcycle if your Policy Schedule shows that you have personal accident cover and you have paid the additional premium for it.

DEFINITIONSThe following words or phrases have the meanings given below whenever they appear in the Personal Accident Policy wording. These will be shown in bold.

ASSOCIATED MOTORCYCLE POLICYThe motorcycle policy in effect at the same time as this contract.

BODILY INJURYPhysical injury caused solely and directly by a sudden external unforeseen and identifiable accident event or assault.

BURNSFull thickness burn or burns (2nd or 3rd degree) to an area greater than 10% of your total body skin surface as confirmed by a medical practitioner or expert medical specialist.

COUNSELLINGRecognised talking therapy treatments undertaken by a registered counsellor in the United Kingdom or the Republic of Ireland.

DENTAL INJURYDamage as confirmed by a practicing dentist to your sound and natural teeth and supporting structures including damage to your denture whilst being worn.

DENTAL TREATMENTTreatment carried out in accordance with an accepted and established dental practice in the

UK or the Republic of Ireland to restore the state of your sound and natural teeth or denture on a like for like basis.

DENTUREA full or partial set of artificial teeth fixed to a removable dental plate.

DISLOCATIONAn abnormal separation where two or more bones meet your hip, knee, wrist, elbow, ankle, shoulder blade, collar bone, finger or toe joint or joints which requires reduction under anaesthetic as confirmed by a medical practitioner or expect medical specialist.

EXPERT MEDICAL SPECIALISTA person other than you or a member of your immediate family or an employee of yours who is qualified as a consultant in the branch of medicine to which the bodily injury relates.

FACIAL SCARRINGPermanent facial disfigurement causing scar tissue in the area from the hairline to and including the lower jaw and ears.

FRACTUREA break of a bone in the body identified through an X-Ray, computerised tomography (CT) scan or magnetic resonance imaging (MRI) scan and confirmed by a medical practitioner or expert medical specialist.

HOSPITALISATION OR HOSPITALISEDBeing admitted to a hospital as an inpatient in England, Scotland, Wales, Northern Ireland, Republic of Ireland, the Isle of Man or the Channel Islands for medical, surgical or other remedial attention, treatment or diagnosis by a medical practitioner, or in a continuous unconscious state.

LOSS OF HEARINGTotal loss of hearing in one or both ears to the extent that the hearing loss in one or both ears is greater than 95 decibels across all frequencies using a pure tone audiogram that has lasted 52 consecutive weeks and that in the opinion of an expert medical practitioner will not be recovered.

LOSS OF LIMB OR LIMBSThe complete loss of a limb or limbs by physical separation of:• an arm at or above the wrist or• leg at or above the ankle

or the total loss of use of an arm or leg which in the opinion of an expert medical specialist will not


be recovered.

LOSS OF SIGHTThe permanent and total loss of sight that will be considered as having occurred:• in both eyes if your name is added to the

Register of Blind Persons; or• in one eye if the degree of sight remaining after

correction is 3/60 or less on the Snellen Scale (meaning that you see at 3 feet what you should see at 60 feet).

LOSS OF SPEECHThe complete loss of speech that has lasted for 52 consecutive weeks and which in the opinion of an expert medical specialist will not be recovered.

MEDICAL PRACTITIONERA person other than you or a member of your family or an employee of yours who is qualified and licensed to practice medicine.

PARAPLEGIAThe total and permanent paralysis of two lower limbs, bladder and rectum which in the opinion of an expert medical specialist will not be recovered.

PERIOD OF INSURANCEThe period shown in the Policy Schedule.

PERMANENT PARTIAL DISABILITYThe permanent and total loss of use of a shoulder, elbow, hip, knee, ankle or wrist or the physical separation or total loss of use of a finger or fingers or toe or toes which has lasted 52 consecutive weeks and which in the opinion of an expert medical specialist will not be recovered.

PERMANENT TOTAL DISABLEMENTDisablement which has lasted for 52 consecutive weeks and which in the opinion of an expert medical specialist will prevent you from engaging in gainful employment of any and every kind for the remainder of your life.

PHYSIOTHERAPYThe recognised treatments performed by a registered physiotherapist in the United Kingdom or the Republic of Ireland to improve functional movement.

QUADRIPLEGIAThe total and permanent paralysis of all four limbs which in the opinion of an expert medical specialist will not be recovered.

SOUND AND NATURAL TEETH

Non restored teeth that show no sign of being pathologically compromised, or adequately and permanently restored teeth with healthy supporting structures or other permanently fixed prostheses.

TERRORISMAn act including but not limited to the use of force or violence and/or the threat (or perceived threat) thereof of any person or groups of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public or any section of the public in fear.

WE, US, OURAgeas Insurance Limited.

YOU, YOURThe person named as Policyholder in the Policy Schedule.

WHAT WE WILL COVERIf you suffer bodily injury as a result of an accident whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to the motorcycle insured under your associated motorcycle policy during the period of insurance and which within 104 weeks of the date of the incident solely and independently of any other cause results in your:• death• permanent total disablement• loss of sight• loss of limb or limbs• loss of speech• loss of hearing• permanent partial disability• paraplegia• quadriplegia• hospitalisation• a fracture or fractures• a dislocation or dislocations• facial scarring• burns

We will pay you the applicable benefit as specified in the Table of Benefits shown in the Policy Schedule.

WE WILL ALSO PAY YOU THE FOLLOWING:• if you suffer a dental injury as a direct result

of an accident whilst legally riding or mounting or dismounting or while undertaking emergency roadside repairs to the motorcycle insured under your associated motorcycle policy during

the period of insurance we will pay you for dental treatment up to an overall maximum of £250

• if you require physiotherapy as recommended by a medical practitioner or expert medical specialist for treatment and recovery following a valid claim under this policy for any of the benefits of permanent total disablement, loss of limb or limbs, permanent partial disablement, , quadriplegia, fracture, dislocation or burns we will pay you up to £100 for each physiotherapy appointment subject to an overall maximum of £500.

• if you require counselling as recommended by a medical practitioner or expert medical specialist for treatment and recovery following a valid claim under this policy for any of the benefits of permanent total disablement, loss of sight, loss of limb or limbs, loss of speech, loss of hearing, permanent partial disablement, paraplegia, quadriplegia, facial scarring or burns we will pay you up to £100 for each counselling appointment subject to an overall maximum of £250.

If more than one benefit is payable for injuries you sustain in a single incident that gives rise to a claim the maximum total amount we will pay for all benefits is as shown in the Special Condition in the Policy Schedule.

WHAT WE WILL NOT COVERWe will not pay benefit for bodily injury directly or indirectly caused by or contributed to or arising from:• war, invasion, acts of foreign enemies, hostilities

or warlike operations (whether war be declared or not), civil war, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

• any act of terrorism of any kind including but not limited to the use of force or violence and/or the threat there of, of any person or group(s) of person’s whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.

• your use of a motorcycle for any business trade commercial or professional purposes including but not limited to use as a courier, despatch rider, fast food delivery rider.

• you committing or attempting to commit suicide or intentional self injury.

• any sickness illness or disease.

• pregnancy or childbirth.• you committing a criminal or unlawful act.• you being under the influence of or

being affected by alcohol or drugs other than drugs taken under the direction of a medical practitioner.

• deliberate exposure to danger except in an attempt to save human life.

• your use of a motorcycle not in a roadworthy condition.

• participation in any racing rallies competitions speed test time trials, track days or off road activity of any description or while you are serving a ban from holding a motorcycle licence.

• muscular or skeletal condition or injury unless caused directly by external sudden violent and visible means during the period of insurance and which is not aggravated by any previous muscular or skeletal condition or injury.

• your participation in active service in any armed forces the Territorial Army and other reserve services whether war be declared or not.

• ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly.

• we will not pay benefit for any fracture of a bone due to Osteoporosis (thinning of the bone which is out of proportion to the insured persons age) or bone disease diagnosed prior to the period of insurance.

We will not pay benefit arising from bodily injury you sustain on or after your 85th birthday.

SECTION 8 MOTORCYCLISTS’ HELMET AND LEATHERS INSURANCE

DEFINITION WHICH APPLIES TO THIS PART OF THE POLICY ONLYASSOCIATED MOTORCYCLE POLICYThe motorcycle policy in effect at the same time as this contract.

MOTORCYCLE HELMET CAMERAA micro video camera or bullet camera mounted to a motorcycle helmet


MOTORCYCLE PROTECTIVE CLOTHINGSpecialist motorcycle leathers, jackets, trousers, helmets, gloves and boots that you own or are legally responsible for.

PERIOD OF INSURANCEThe period shown in the Schedule.

TERRORISMAn act including but not limited to the use of force or violence and/or the threat (or perceived threat) thereof of any person or groups of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s) committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public or any section of the public in fear.

WE, US, OURAgeas Insurance Limited.

YOU, YOURThe person named as Policyholder in the Policy Schedule.

WHAT WE WILL COVERWe will pay up to the limit shown in the Schedule for loss or damage to motorcycle protective clothing and motorcycle helmet camera that is damaged beyond economical repair following a motorcycle accident that occurs whilst you are legally riding, mounting or dismounting or undertaking emergency roadside repairs to the motorcycle insured under your associated motorcycle policy during the period of insurance.

WHAT WE WILL NOT COVER• the first £50, or €75 if you are resident of the

Republic of Ireland, of any claim.• theft of motorcycle protective clothing.• loss or damage caused by deterioration or wear

and tear.• loss or damage unless caused as a result of a

motorcycle accident.• loss or damage caused whilst participating in

any racing, rallies, competitions, speed tests, time trials or the like or while you are serving a ban from holding a motorcycle licence.

• loss or damage to the motorcycle helmet camera if it is not mounted to a helmet.

MAKING A CLAIM UNDER SECTIONS 7 & 8CLAIMS PROCEDURE

PERSONAL ACCIDENT AND HELMET & LEATHERSWhen you become aware of an incident that could lead to a claim you must notify Harley-Davidson Insurance Services as soon as reasonably possible in writing or by telephone and request a claim form.In writing:Claims Department Harley-Davidson Insurance Services Trafalgar House 110 Manchester Road Altrincham Cheshire WA14 1NUBy phone: In the United Kingdom: 0800 093 9845In the Republic of Ireland: 1800 818 766You should then complete the claim form, sign it and return it to Ageas Insurance Limited as quickly as possible.

CLAIMS CONDITIONSPERSONAL ACCIDENT• you must place yourself under the care of a

medical practitioner and follow their advice.• you must, at your expense, provide us with

any reports,• certificates information and evidence that we

ask for and do so in the manner we request.• if we request it you must undergo medical

examination at our expense.• you must notify the Police immediately following

an incident likely to give rise to a claim under this policy.

• no amount payable will bear interest.

CLAIMS SETTLEMENTHELMET AND LEATHERS• in the event of loss or damage to separate

jackets or trousers forming part of a set, we will not pay more than the value of the individual article that is damaged.

• we will decide whether to pay the cost of repairing motorcycle protective clothing or replace as new (if damaged beyond economical repair).

• you must be able to provide proof of purchase in respect of any item which is subject of a claim against this policy.

• you must at your own expense provide us with any reports, certificates, information and evidence that we ask for and do so in the manner we request.

PERSONAL ACCIDENT AND HELMET AND LEATHERS POLICY CONDITIONSARBITRATIONIf any dispute arises between you and us over the amount payable it will be referred to an arbitrator jointly appointed by you and us in line with law at the time. The decision of the arbitrator will be final and binding on both you and us and judgement of the award made by the arbitrator may be entered in any court that has jurisdiction. Whoever loses the arbitration will pay the costs of arbitration. If the decision is not totally in favour of either you or us, the arbitrator will decide who will pay the costs.

ASSIGNMENTUnless we agree to do so we will not be bound to accept or be affected by any trust, charge, lien, assignment or other dealing with or relating to this Policy.

AUTOMATIC TERMINATION OF COVERAll cover provided by this policy will cease immediately and on the same day as the associated motorcycle policy is lapsed or it is cancelled or voidable in accordance with the terms of the associated motorcycle policy for whatever reason and no refund of premium will be made. This condition does not apply if an immediate replacement motorcycle policy is issued by Harley-Davidson Insurance Services*.

CANCELLATIONWe reserve the right to cancel this Policy by giving you 30 days notice in writing at your last known address. Valid reasons may include but are not limited to:• where we suspect fraud on this or any other

related policy.• where a misrepresentation has been made that

means we longer wish to provide cover.You may cancel this Policy by giving us notice in writing.We will cancel the Policy from the date we receive your notice or any later date you request. No additional fees will be charged in the event of cancellation, however no refund of premium will be made.

COMPANY’S RIGHTS AFTER A CLAIMWe or our representatives will be entitled to take possession of any damaged motorcycle protective clothing and deal with any salvage, but no items can be abandoned to us. We may conduct, in your

name and on your behalf, the defence or settlement of any legal action and take proceedings at our expense and for our own benefit, but in your name, to recover any compensation from any third party in respect of anything covered by this policy.

COOLING OFF PERIODThere is a 14 day cooling off period from the date this Policy is issued. During this period, you may return the Policy to the intermediary who sold you this insurance if it does not meet your requirements and we will refund you the premium you have paid, provided you have not made a claim or intend making a claim in the future.

FRAUDWe will not pay any claim if it is in any respect dishonest or fraudulent.

JURISDICTIONThis contract will be governed by English Law, and you and we agree to submit to the non-exclusive jurisdiction of the courts of England and Wales (unless you live in Jersey in which case the law of Jersey will apply and the Jersey courts will have exclusive jurisdiction).

LANGUAGEUnless agreed otherwise, the contractual terms and conditions and other information relating to this contract will be in the English Language.

OBSERVANCEOur liability is conditional on your observance of the terms and conditions of this policy.

MISREPRESENTATION OR MISDESCRIPTIONThis Policy may be voidable in the event of misrepresentation or misdescription of answers you give to any questions we ask.

YOUR DUTY TO PREVENT LOSS OR DAMAGEYou must take all reasonable steps to protect the motorcycle protective clothing and keep them in a good state of repair.

SECTION 9 LEGAL EXPENSES POLICYThis insurance is arranged by Motorplus Limited t/a Coplus and underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ.


Motorplus Limited t/a Coplus and UK General Insurance Limited are authorised and regulated by the Financial Conduct Authority. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about the extent of their regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from https://register.fca.org.uk/

DEFINITIONSThe following words or phrases have the meanings given below whenever they appear in the Legal Expenses policy wording. These will be shown in bold.

ADVERSE COSTSAny legal costs (including profit costs, disbursements, VAT and interest) which the insured person pays the opponent by order of the court or with our prior written agreement. These may include, for example, the opponent’s solicitor’s fees, barrister’s fees and/or expert’s fees.

APPROVAL, APPROVE(D), APPROVINGThe act of us agreeing in writing to provide indemnity in accordance with the terms of this policy.

CONSENTOur written agreement to a particular course of action (such as settling a claim).

COSTSUnder this policy we will pay the following:a. the professional fees and expenses

reasonably and properly charged by the Legal Representative, up to the standard rates set by the courts.

b. your opponents costs which you are ordered to pay by a court, the most we will pay for all claims arising out of one event is £100,000 / €100,000.

COVER PERIODThe period shown in your current Certificate of Motor Insurance.

DAMAGESAny sum that a court says your opponent must pay or money your opponent agrees to pay to settle your claim.

DISBURSEMENTSAny sum spent by the Legal Representative on behalf of the insured person in respect of services supplied by a third party, providing that:a. the insured person received the services;b. the insured person was responsible for paying

the third party for the services;c. the insured person knew that the services were

being provided by a third party;d. the services were in addition to and distinct

from the services supplied by the Legal Representative to the insured person on their own account; and

e. we have agreed the amount to be paid in advance of the third party being instructed.

Disbursements may include, for example, barrister’s fees (provided that the barrister is not acting under a Conditional Fee Agreement) or expert’s report fees.

FEES AND EXPENSESAny professional fees reasonably incurred by the Legal Representative in pursuit of the claim together with any disbursements that they incur or pay, including, where appropriate, value added tax. For the purposes of this definition, “reasonably incurred” shall mean costs that are deemed by a court to be reasonable.

INSURERGreat Lakes Insurance SE.

LEGAL REPRESENTATIVEAny appropriately qualified person (or company or firm) who has been approved by us to represent an insured person in pursuit of a claim against an opponent. “The Legal Representative” is a reference to the specific Legal Representative who acts in a particular claim.

MOTOR INSURANCE POLICYThe policy of motor insurance for your vehicle which has been issued in accordance with the requirements of the Road Traffic Act 1988.

OPPONENT(S)The third party responsible for the accident or collision which has given rise to an insured event under this policy and against whom the insured person wishes to bring a claim. Proceedings may not be issued against us, the Insurer or your insurance broker or agent, nor may proceedings be issued against an employer where you are the employer and the driver is your employee.

PART 36 OFFERAny offer made by an opponent to settle a claim which may or may not offer any admission of liability, which may be made by either party at any time during the duration of the claim and if it is to be accepted, must be agreed within 21 days of the offer being made. Such an offer has the potential to cause the insured person to pay part of their opponent’s costs should the insured person reject an offer, continue with the legal proceedings and subsequently fail to obtain more than they were offered by the opponent, or should they accept outside the 21 day period. This includes offers made under Part 36 of the Civil Procedure Rules 1998.

POLICYThis before-the-event legal expenses policy providing cover for adverse costs and fees and expenses, together with the Policy Schedule and any endorsement which attaches to it.

PROPORTIONATE MANNERIn determining whether a claim can be pursued in a ‘proportionate manner’. The factors we will take into account in assessing whether those costs are reasonable include but are not limited to: • the prospects of success and the likely costs of

pursuing the claim;• the amount claimed and the amount that is likely

to be recovered;• the amount of adverse costs that we would

be likely to pay if the claim was unsuccessful;• the prospects of enforcing a judgment or

agreement; and• the circumstances of the insured incident,

including the conduct of the insured person.REASONABLE PROSPECTS‘Reasonable prospects’ means we deem there is a 51% or greater chance that you will be successful in your pursuit of legal proceedings. This means that you have a greater chance of winning than losing.

SMALL CLAIMS TRACK LIMITIf you are resident in England or Wales, the most you can claim in the small claims track of the County Court in England and Wales, small claims track limit being any claims under £10,000 or where you are pursuing a claim for personal injury any claim under £1,000.

TERRITORIAL LIMITS (UNINSURED LOSS RECOVER AND MOTOR PROSECUTION DEFENCE)The European Economic Area (the European Union plus Iceland, Liechtenstein and Norway) and in addition the Isle of Man, Jersey, Guernsey, Albania, Andorra, Bosnia Herzegovina, Croatia, FYR Macedonia, Monaco, Montenegro, San Marino, Serbia, Switzerland and the European part of Turkey.

TERRITORIAL LIMITS (MOTOR CONTRACT COVER)The territorial limit is Great Britain, Northern Ireland, Republic of Ireland, The Channel Islands and the Isle of Man.

TERRORISMAny direct or indirect consequence of terrorism as defined by the Terrorism Act 2000 and any amending or substituting legislation.

UNINSURED LOSS(ES)Any loss directly arising from the insured incident in question that is not covered by any other insurance policy.

VEHICLEThe vehicle specified in the motor insurance policy, which was being driven or ridden by a person entitled to drive or ride under the motor insurance policy, together with any caravan or trailer attached to such vehicle at the time of the insured incident.

WE, OUR, USMotorPlus Limited t/a Coplus an insurance intermediary who is authorised to manage claims on behalf of the insurer.

YOU, YOUR, YOURSELF, INSURED PERSONThe named holder of this policy who lives in the United Kingdom or Republic of Ireland together with any other person who is entitled to drive or ride the vehicle under the motor insurance policy (including any other person who is a passenger/pillion in the vehicle).

SECTION 1 UNINSURED LOSS RECOVERYWe will pay the costs for adverse costs and fees and expenses for you to take legal action as a result of any road traffic accident being the fault of the opponent occurring within the territorial limits and during the cover period which covers the following:• damage to the insured vehicle; or• damage to any personal belongings within or on

the insured vehicle; or


• your death or bodily injury while you are travelling in or on, or getting into or out of or on or off the insured vehicle; or

• any other uninsured losses that you sustain; We will provide this cover as long as:• your claim has reasonable prospects of

success;• the claim can be pursued in a proportionate

manner; • the accident happened within the territorial

limit and within the period of insurance;• the incident was the fault of the opponent.• you do not deliberately mislead us or the Legal

Representative or exaggerate the claim or bring any false or contrived claims;

• we have given written approval to pursuing a claim prior to you commencing any legal proceedings or making an appeal;

• you follow our or the Legal Representative’s advice and provide any information they ask for;

• your Legal Representative follows the requirements set out in the your Legal Representative must do the following’ section below.

We will not cover:• adverse costs and fees and expenses you

have paid directly to the Legal Representative or any other person without our prior written approval;

• any claim resulting from a road traffic accident not covered by the motor insurance policy;

• any legal action brought against you; • any claim where you intend to represent

yourself (known as a litigant-in-person) unless; - we have given prior written approval; - the claim is allocated to the Small Claims Track where the incident occurs within England and Wales and has been accepted by us.

• any claim which you settle or discontinue without our consent;

• any costs, fees or expenses incurred after you have rejected our or the Legal Representative’s advice to settle or discontinue a claim;

• any fines, penalties or damages you are ordered to pay by a court or similar authority;

• disputes arising from parking offences;• any claim where the opponent cannot be

traced or identified, or is not insured for the risks of a claim;

• any claims where you have instructed the Legal Representative to stop acting on your behalf or where the Legal Representative has refused to continue to represent you;

• any costs, fees or expenses following you breaching the terms of this policy (see ‘You must do the following’ below);

• any costs awarded by the court as a result of your unreasonable behaviour or that of your Legal Representative;

• where you have disregarded our advice to accept a Part 36 Offer to settle a claim

• where we have advised the insured person that their claim would be best settled by other means than the issue of legal proceedings in a court of law within the United Kingdom.

You must do the following, failure to do so will result in cover being withdrawn for adverse cost and fees and expenses:• provide promptly any other supporting

information we or the Legal Representative ask for;

• keep us and the Legal Representative informed of any matters that might affect the chances of success in the claim, the amount of damages that are likely to be recovered, or the amount of the costs of the claim;

• keep us informed (or ask the Legal Representative to keep us informed), particularly if any offers have been made;

• get our written consent before any Part 36 Offer or other offer of settlement is accepted or rejected;

• get our written consent before any claim is discontinued;

• take reasonable steps to keep all costs, fees and expenses as low as possible;

• attend court or go to any expert examination when asked to do so;

• act upon any order for costs promptly; • not do anything to impede any negotiations

about costs or any assessment of costs;• provide us with access to your Legal

Representative and authorise them to keep us informed of the progress of the claim and any other relevant matters;

• allow us to have any legal bill audited or assessed.

SETTLING CLAIMS IN PARTICULAR CIRCUMSTANCESWe have the right to: • settle a claim by paying the amount in dispute;• settle the costs covered by this policy if there is

no other way of getting these costs back.

SECTION 2 MOTOR PROSECUTION DEFENCEWe will pay the costs of defending your legal rights (including making an appeal against your conviction or sentence) after any event which results in criminal proceeding being brought against you for an offence relating to your ownership or use of the insured vehicle.Pleas in mitigation are covered where there is reasonable prospects of such a plea materially affecting the likely outcome.We will provide cover as long as:• the proceedings arise from an event that

occurred within the territorial limits and within the cover period;

• the proceedings will be decided by a court within the territorial limits.

We will not provide cover for the following;• parking offences for which you do not receive

penalty points against your licence;• driving or riding while under the influence of

alcohol or drugs;• driving or riding without valid motor insurance;• any offence which would be covered under

motor legal expenses, Section 1: Uninsured Loss Recovery;

• where you qualify for legal aid;• fines, penalties, or compensation orders; or

applications for judicial review.

SECTION 3 MOTOR CONTRACT COVERWe will pay the costs of you taking or defending legal action as a result of any action arising from a contract you have to:• buy, hire or sell the insured vehicle or its spare

parts or accessories; or• service, repair or test the insured vehicle.

We will provide cover as long as;• you entered into the contract within the

territorial limits;• the dispute first arose within the cover period;• any legal action is brought within the territorial

limits; and• after taking into account the view of your Legal

Representative, in our opinion you are more likely to succeed than not recovering damages, defending the legal action or settling the dispute in another way.

We will not provide cover for the following;• the first £100 / €150 of every claim under this

section:

• any event which occurs within the first three months of this policy, unless the claim is for new goods or services bought after the start of this policy:

• any contract where the amount in dispute is less than:

• £1000 / €1500 for buying, selling or hiring the insured vehicle; or

• £250 / €375 for servicing, repairing or testing the insured vehicle;

• a dispute over the amount of money or other compensation due under an insurance policy;

• a dispute which arises following your deliberate breach of a contract.

EXCLUSIONS THAT APPLY TO ALL OF THE LEGAL EXPENSES POLICYFRAUDULENT CLAIMSYou must not act in a fraudulent way. If you or anyone acting for you:• fails to reveal or hides a fact likely to influence

whether we accept your proposal, your renewal, or any adjustment to your policy;

• fails to reveal or hides a fact likely to influence the cover we provide;

• makes a statement to us or anyone acting on our behalf, knowing the statement to be false;

• sends us or anyone acting on our behalf a document, knowing the document to be forged or false;

• makes a claim under the policy, knowing the claim to be false or fraudulent in any way; or

• makes a claim for any loss or damage you caused deliberately or with your knowledge.

If your claim is in any way dishonest or exaggerated then we will not pay any benefit under this policy or return any premium to you and we may cancel your policy immediately and backdate the cancellation to the date of the fraudulent claim. We may also take legal action against you and inform the appropriate authorities.• any claim arising out of an insured person’s

alleged dishonesty or violent conduct.• any claim arising out of an insured person’s

alleged use of drugs or alcohol.• disputes arising, from or relating to:

- criminal prosecutions or family proceedings, the exclusion for cover in respect of criminal prosecutions shall not apply if you are making a claim for motor criminal prosecutions, under section 2 Motor Prosecution Defence of this policy;

- judicial review or applications for judicial review;


- enforcement proceedings; - the terms and conditions of this policy, including alleged rights of a person other than you to enforce the terms of this policy. For the avoidance of doubt no person other than those defined under the definition of insured person above shall be entitle to claim against this policy;

• any adverse costs or fees and expenses in any claim where those costs are covered by another insurance policy or similar scheme including cover arising by virtue of an insured person’s trade union membership. - Any direct or indirect consequence of: - Irradiation, or contamination by nuclear material; or

- The radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter; or

- Any device or weapon which employs atomic or nuclear fission or fusion or other comparable reaction or radioactive force or matter.

- Loss or damage caused by war, invasion, foreign enemy hostilities (whether war is declared or not), civil war, terrorism, rebellion, revolution, military force or coup, or confiscation, nationalisation,

- requisition, destruction of or damage to property by or under the order of any government, local or public authority.

• any damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds;

• claims in respect of damage or losses arising from races, rallies or competitions, or claims where the vehicle has not been maintained in accordance with the manufacturer’s recommendations and/or instructions – including servicing and vehicle faults;

• claims in excess of the limit of indemnity of £100,000/€100,000 for any one claim.

CONDITIONS THAT APPLY TO ALL OF THE LEGAL EXPENSES POLICYLEGAL REPRESENTATIVEBefore legal proceedings are issued, an legal representative from our panel will be appointed to act for you to pursue, defend or settle any claim we have accepted in accordance with the terms and conditions of this policy;• Should legal proceedings need to be issued

or have been issued against you, or where there is a conflict of interest, you can choose a solicitor of your choosing. You must inform

us in writing of the full name and address of the representative you want to act for you.

• If there is any dispute over your choice of representative you will be asked to nominate an alternative. If, after having done so, we are still not able to agree, you may escalate the matter in accordance with the Arbitration Condition. Until the complaint has been resolved, or until such time as an arbitrator has reached a decision, we shall be entitled to appoint a legal representative from our panel in order to protect your interests in any legal proceedings.

• If you do select to appoint your own legal representative, this insurance will not cover expenses over and above the costs that our panel would charge in equivalent circumstances. For your information, this means that we would take into account the seriousness of the claim and the location and class of legal representative that you choose. The hourly rate is currently set at £125 + VAT. We reserve the right to assess each case on its merits, and may agree to pay additional fees if we feel the situation warrants it. This will remain entirely at our discretion;

• The legal representative will have direct contact with us and must fully cooperate with us at all times, and you must cooperate with your representative, providing all necessary information and assistance to them as required;

• Any legal representative-that you appoint must sign our standard terms of appointment and adhere to all of its terms. You agree to us having access to the legal representative’s file relating to your claim. You will be considered to have provided express consent to us or our appointed agent to access the file for auditing, quality and cost control purposes.

ARBITRATION• In the event of any dispute or difference

whatsoever arising out of this product or any claim made, the matter shall be referred to an arbitrator, who shall be either a solicitor or a barrister who you and we agree on in writing. If the insured person is not the policyholder, by claiming under this policy he or she agrees to be a party to any Arbitration under this clause whether jointly with you or otherwise and whether as claimant or defendant.

• If an arbitrator cannot be agreed then we shall ask the President of the Chartered Institute of Arbitrators to choose one (or the President of the Law Society of Ireland or a similar legal professional body in the Republic of Ireland). The decision of the arbitration shall be final and

binding on both parties and he or she will decide who should pay the costs of the arbitration. If costs are awarded against you, they are not covered under this policy. This arbitration condition does not affect your rights to take separate legal action.

STATUTORY REGULATIONS• In all matters relating to the performance of this

insurance contract, it is the responsibility of both you and us that we both respectively comply with all Acts of Parliament and with all orders, regulations and bylaws made with statutory authority by Government Departments or by local or other authorities. The cost of meeting

• the requirements of this clause will be payable by you and us in our own rights respectively.

PROPORTIONALITY• Where an award of damages is the only legal

remedy to a dispute and the cost of pursuing civil proceedings is likely to exceed the value of any such award of damages, the most the insurer will pay in respect of legal costs is the value of the likely award of damages.

SEVERABILITY• If any term of this contract of insurance is

to any extent invalid, illegal or incapable of being enforced, such term will be excluded to the extent of such invalidity, illegality or unenforceability; all other terms will remain in full force and effect.

ACTS OF PARLIAMENT• All references to Acts of Parliament in this policy

shall include the equivalent laws in Scotland, Northern Ireland, the Isle of Man, and the Channel Islands (and in the Republic of Ireland, Irish law) and shall include any subsequent amendments, re-enactments or regulations.

CHOICE OF LAW AND JURISDICTION• Unless otherwise agreed in writing, the law of

England and Wales will apply to the contract or if at the date of contract you are a resident of Scotland, Northern Ireland, Channel Islands or the Isle of Man, in which case the law for that country will apply. When this policy is sold in the Republic of Ireland, Irish law will apply.

• Unless otherwise agreed in writing, the courts of England and Wales, or the country in which your main residence is situated will have jurisdiction for hearing and determining any litigation arising out of or in connection with any dispute regarding the interpretation of this policy.

CANCELLATION RIGHTPlease refer to the main cancellation section on page 9 for details.

MAKING A CLAIMThe claims procedure outlined below is administered by Motorplus Limited. If you need to make a claim under section 2 or 3 please call:In the United Kingdom; 0333 241 9567 In the Republic of Ireland: 0044 333 241 9567If you need to make a claim under section 1 please contact Harley-Davidson Insurance Services* on:In the United Kingdom: 0800 093 9845 In the Republic of Ireland: 1800 818 766

LEGAL HELPLINEHarley-Davidson Legal Expenses includes access to Legal Helpline to give advice, 24 hours a day, 365 days a yearon any personal legal matter. We may record the calls to protect you. Please call:In the United Kingdon: 0333 241 9567 In the Rebublic of Ireland: 0044 241 9567We agree to cover you under the terms and conditions of this policy.

PRIVACY POLICYFor full details of how we protect your privacy and process your data please read the Privacy Statement that accompanies this policy. The Privacy Statement can also be viewed online by visiting www.coplus.co.uk/data-privacy-notice.

SECTION 10 UNITED KINGDOM, REPUBLIC OF IRELAND AND EUROPEAN BREAKDOWN RECOVERYUK, Republic of Ireland and European, roadside assistance and vehicle recovery is underwritten by Inter Partner Assistance (IPA) UK Branch which is fully owned by the AXA Assistance Group. Inter Partner Assistance is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. Details about the extent of its regulation by the Financial Conduct Authority are available from us by request. Inter Partner Assistance SA UK Branch firm register number is 202664. You can check this on the Financial Services Register by visiting the website www.fca.org.uk/register.Axa Assistance (UK) Limited operates the 24-hour motoring assistance helpline.


DEFINITIONS WHICH APPLY TO THIS PART OF THE POLICY ONLYThe following words or phrases have the meanings given below whenever they appear in the Breakdown Assistance Policy wording. These will be shown in bold.

BREAKDOWNWhere the insured motorcycle cannot be ridden due to an electrical or mechanical fault, the theft or loss of keys, a flat tyre, or running out of fuel.

MOTORCYCLEThe insured vehicle shown in the Policy Schedule or described in the current Certificate of Motor Insurance.The motorcycle must be no more than:• 3.5 tonnes when fully loaded;• 5.5 metres (18 feet) long; or• 2.3 metres (7 feet 6 inches) wide.

This also includes any trailer attached to your motorcycle (as long as it is no longer than 7.6 metres (25 feet) long, including the towbar).

PERIOD OF INSURANCEThe period shown in your current Certificate of Motor Insurance.

TERRITORIAL LIMITThe territorial limit for United Kingdom and Republic of Ireland assistance is Great Britain, Northern Ireland, the Channel Islands, the Isle of Man and the Republic of Ireland.The territorial limit for European Assistance is Andorra, Austria, Belgium, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland and Turkey.

WE, US, OURInter Partner Assistance SA UK Branch and AXA Assistance (UK) Ltd both of The Quadrangle, 106-118 Station Road, Redhill, Surrey RH1 1PR, UK.

YOU, YOURThe person named in your current Certificate of Motor Insurance and any person authorised to ride or be a passenger on the motorcycle.

UNITED KINGDOM AND REPUBLIC OF IRELAND ASSISTANCE

WHAT WE WILL COVER1. HOME AND ROADSIDE ASSISTANCEWe will come out to the insured motorcycle if you cannot ride it after a breakdown, accident, or an act of vandalism involving the motorcycle within the territorial limit and within the period of insurance.We will try to repair the motorcycle at the roadside. The repair work will be free of charge, for up to one hour, but you must pay the cost of any parts, fuel or other supplies used to repair the motorcycle.If we have to make a forced entry to the insured motorcycle because you are locked out or have lost your keys, you must sign a declaration, saying that you will be responsible for the damage.If we cannot repair the motorcycle at the roadside and it cannot be repaired the same day at a local garage after being recovered by us, we will arrange and pay for one of the following:

1A. ONWARD TRAVELWe will arrange and pay for the insured motorcycle, you or your pillion passenger to continue with your journey to your destination, or to return home; or

1B. HOTEL ACCOMMODATIONIf you are more than 50 miles from your home address, we will pay for the cost of bed and breakfast for you and your pillion passenger for one night. The most we will pay is £50 a person, or €75 a person if you are resident in the Republic of Ireland. You must pay for any extra hotel costs; or

1C. CAR HIREWe will arrange and pay for a hire car, up to 1600cc, for up to 24 hours. You must have a valid driving licence with you, and pay a deposit to the hire-car company by debit or credit card, to cover the cost of the fuel you use, insurance and any extra days’ hire. We will provide car hire as long as you are between 25 and 65 years old. We will try to arrange something for you if you are under 25 or over 65, but we cannot guarantee that we will be able to help. You might not be able to get a hire car if you have endorsements on your driving licence.

Where we arrange vehicle hire for you, you must comply with the hire company’s terms and conditions.We will choose the most appropriate solution from the options above.

2. STORAGEIf the motorcycle has to be stored after we have recovered it, we will pay for the cost of storing the motorcycle. The most we will pay is £50, or €75 if you are resident in the Republic of Ireland.

3. MEDICAL ASSISTANCEIf you have to go into hospital after an accident involving the motorcycle, within the territorial limit and within the period of insurance and are more than 20 miles from your home, we will pay for one night’s bed and breakfast in a hotel we choose, for your passenger(s). The most we will pay is £100 a person, or €150 a person if you are resident in the Republic of Ireland. You must pay for any extra hotel costs. We will also arrange for an ambulance to take you to a hospital near your home if medically necessary, but the maximum that we will pay is a total of £300, or €450 if you are resident in the Republic of Ireland. A doctor must give permission before we do this.

4. REPLACEMENT RIDERIf following an accident or a breakdown involving the insured motorcycle you can’t ride it because you are ill or injured within the territorial limit and within the period of insurance, we can arrange and pay for a replacement rider to take you, the motorcycle and your passenger(s) to your home address within the territorial limit.

5. MESSAGE SERVICEWe can get a message to a person you have chosen, if your journey has been delayed as a result of a breakdown, an accident or an act of vandalism involving the insured motorcycle within the territorial limit and within the period of insurance.

6. BROKEN GLASSWe can arrange for an approved supplier to come out to you to replace any broken glass, but you will have to pay for the work they do.

7. ACCIDENTSWe will come out to the insured motorcycle if you can’t ride it after an accident. We will pay the recovery charges on your behalf but will be entitled to ask you for all reasonable help to take action in your name to get our costs refunded from another organisation.

8. CLAIMSWe will cover you for up to six claims in any 12 month period.Once the maximum number of claims has been reached, a referral service will be offered to assist. All costs will be charged to you.

EUROPEAN ASSISTANCEWe will provide cover under this section as long as you are not travelling outside the United Kingdom or the Republic of Ireland for more than 91 days at a time.The most we will pay for all claims arising out of one event under this European assistance Section is £2,500, or €3,750 if you are resident in the Republic of Ireland, subject to the terms and conditions of this policy.

WHAT WE WILL COVER1. ROADSIDE ASSISTANCE AND RECOVERYWe will come out to the motorcycle if you cannot ride it after a breakdown, or an act of vandalism involving the motorcycle within the territorial limit and within the period of insurance.We will arrange and pay for it to be taken to the nearest repairer for it to be repaired at your cost.If you have a problem involving the motorcycle on a motorway outside the United Kingdom or the Republic of Ireland, you will have to use a roadside telephone. You will be connected to the authorised motorway service, not our control centre. You may have to pay for the cost of labour and towing the motorcycle on the spot, but you can claim these costs back from us when you get home by calling us on 0800 280 0066 if you are in the United Kingdom or 0906 451 973 if you are in the Republic of Ireland.

2. VEHICLE REPATRIATIONIf the motorcycle cannot be repaired within the territorial limits of this section, or by the time you have to get home, we will arrange and pay for it to be taken to the nearest garage or to your home address in the United Kingdom, or the Republic of Ireland if you are resident there.You must give us a signed list of any items which are left in, or on, the motorcycle before we arrange to have it taken to the nearest garage or to your home address. We will not be responsible for the loss of, or damage to, any items which are not on this list.


We will only repatriate your motorcycle to the United Kingdom, or the Republic of Ireland if you are resident there, if we believe the cost of doing so would be less than the market value of the motorcycle in the United Kingdom, or the Republic of Ireland if you are resident there, following the loss or damage.

3. STORAGEIf the motorcycle has to be stored whilst you are waiting for it to be recovered or taken back by us to the United Kingdom, or the Republic of Ireland if you are resident there, we will pay for the cost of storing the motorcycle. The most we will pay is £100, or €150 if you are resident in the Republic of Ireland.

4. ONWARD TRAVEL AND ACCOMMODATIONIf the motorcycle cannot be repaired the same day as being recovered by us, we will arrange and pay for one of the following:

4A. HOTEL ACCOMMODATION Up to three nights bed and breakfast accommodation for you and your pillion passenger. The most we will pay is £50 a night, or €150 a night if you are resident in the Republic of Ireland, for each person, provided your original accommodation has been pre-paid and you cannot get your money back. You must pay for any extra hotel costs;

4B. CAR HIRE A hire car, up to 1600cc, for up to 14 days, so you can carry on with your journey, as long as the motorcycle has been recovered by us. You must have a valid driving licence, and pay a deposit to the car-hire company by debit or credit card, to pay for the fuel you use, insurance and any extra days’ hire. We cannot guarantee that a vehicle with accessories like roof racks and tow bars will be available. You might not be able to get a hire car if you have endorsements on your driving licence. We will provide this cover as long as you are between 25 and 65 years old. We will try to arrange something for you if you are under 25 or over 65, but we cannot guarantee that we will be able to help, or

4C. RAIL A standard-class rail ticket for you and your pillion passenger, so you can carry on with your journey, or to get you home.We will choose the most appropriate action from the options above.

5. REPLACEMENT RIDERIf following an accident or a breakdown involving the insured motorcycle you can’t ride it because you are ill or injured within the territorial limit and within the period of insurance, we can arrange and pay for a replacement rider to take you, the motorcycle and your passenger(s) to your home address within the territorial limit.

6.MESSAGE SERVICE We can get a message to a person you have chosen, if your journey has been delayed as a result of a breakdown, or an act of vandalism involving the motorcycle within the territorial limit and within the period of insurance.

7. PARTS DELIVERYIf the parts needed to repair the motorcycle are not available locally, we will arrange and pay for these parts to be delivered.

8. ACCIDENTSWe will come out to the insured motorcycle if you can’t ride it after an accident. We will pay the recovery charges on your behalf but will be entitled to ask you for all reasonable help to take action in your name to get our costs refunded from another organisation.

9. CLAIMSWe shall not be responsible for more than six claims under this section of the policy during any 12 month period. Once the maximum number of claims has been reached, a referral service will be offered to assist. All costs will be charged to you.

WHAT WE WILL NOT COVERWe will not provide cover under the UK and Republic of Ireland Assistance or European Assistance sections of this policy for the following:• any costs we have not agreed to.• any costs you would normally have to pay, such

as petrol and toll charges.• any motorcycle which is not kept in a good

mechanical and roadworthy condition, or serviced according to the manufacturer’s recommendations.

• where the motorcycle which is involved in a breakdown, accident or act of vandalism has no current MOT certificate or European equivalent (if one is needed).

• where the motorcycle which is involved in a breakdown, accident or act of vandalism was being used for any criminal act.

• where the motorcycle which is involved in a breakdown, accident or act of vandalism was

being ridden whilst under the influence of or was in any other way being used in connection with alcohol, drugs or solvent abuse.

• where you call us out following a breakdown or accident for a problem which you have called us about before, but which you have not, in our opinion, tried to get fixed since the last time you called us out.

• any motorcycle we cannot recover because of bad weather conditions, like floods, snow or high winds, or because the motorcycle is stuck in sand or mud. If specialist equipment is needed to recover the motorcycle, you will have to pay the extra cost.

• any release fees you have to pay if the motorcycle is stolen and recovered by the police or Garda.

• any loss or damage to the motorcycle and its accessories which is the result of the breakdown, accident or act of vandalism.

• mobile phone and telephone call costs – mobile phones are convenient but expensive. Even if you ask someone to call you back on your mobile, you may still have to pay for the call. These costs are not covered under your policy in any circumstances.

• the cost of repairs to the motorcycle when your motorcycle is repaired in any garage to which it is taken. We cannot give any guarantee or warranty in respect of the quality of the repairs carried out to the motorcycle. If you have any concerns about the quality of the repairs you must take them up directly with the garage responsible.

• the cost of the recovery or repair vehicle coming out to you if, after requesting assistance to which you are entitled, the motorcycle is moved, recovered or repaired by any other means.

• the insured motorycle being used for road-racing, rallying, pace-making, speed testing or any other competitive event.

• any claim or any benefit if doing so would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or United Kingdom.

• claims directly or indirectly caused by, contributed to or arising from: - ionising radiation or radioactive contamination from

- nuclear fuel or from any nuclear waste arising from burning nuclear fuel; or

- the radioactive, toxic, explosive or other dangerous properties of any nuclear equipment or nuclear part of that equipment.

• claims arising from war, invasion, riot, revolution or a similar event.

MAKING A CLAIM UNDER SECTION 10WHAT TO DO IF YOU HAVE AN ACCIDENT OR A BREAKDOWN• in the United Kingdom, call us on

0800 280 0066.• in the Republic of Ireland, call us on

0906 451 973.• outside the United Kingdom and Republic of

Ireland, call us on 0044 1737 826 113.• our operator will ask you for the following:

- where you are. - your motorcycle registration number. - the make and colour of the motorcycle. - a telephone number we can contact you on. - details of what has happened.

• do not make your own arrangements.• you and any passenger(s) must be with the

motorcycle when the repair or recovery vehicle arrives, unless you have made other arrangements with us.

• if you have a problem on a motorway outside the United Kingdom or the Republic of Ireland, you will have to use a roadside telephone. You will be connected to the authorised motorway service, not our control centre. Once you reach a place of safety, you must call our control centre on 0044 1737 826 113. You may have to pay for the cost of labour and towing the motorcycle on the spot, but subject to the limits applicable to this section you can claim these costs back from us when you get home by calling us on 0800 280 0066 in the United Kingdom or 0906 451 973 in the Republic of Ireland.

BREAKDOWN RECOVERY POLICY CONDITIONSAUTHORISATIONShould you be unwilling to accept our decision or that of our agents, on the most suitable form of assistance to be provided, we will pay no more than £100, or €150 if you are resident in the Republic of Ireland, for any one breakdown towards your preferred form of assistance.

DATA PROTECTIONDetails of you, your insurance cover under this policy and claims will be held by us (acting as data controllers)for underwriting, policy administration, claims handling, complaints handling, sanctions checking and fraud prevention, subject to the provisions of applicable data


protection law and in accordance with the assurances contained in our website privacy notice (see below). We collect and process these details as necessary for performance of our contract of insurance with you or complying with our legal obligations, or otherwise in our legitimate interests in managing our business and providing our products and services. These activities may include:a. use of sensitive information about the health or

vulnerability of you or others involved in your insurance claim, in order to evaluate your claim and

b. provide other services as described in this policy, disclosure of information about you and your insurance cover to companies within the AXA group of companies, to our service providers and agents in order to administer and service your insurance cover, to provide you with a breakdown assistance claims service, for fraud prevention, to collect payments,and otherwise as required or permitted by applicable law;

c. monitoring and/or recording of your telephone calls in relation to cover for the purposes of recordkeeping, training and quality control;

d. obtaining and storing any relevant and appropriate evidence of the condition of the property subject of the breakdown claim, which you have provided for the purpose of validating your claim; and

e. sending you feedback requests or surveys relating to our services, and other customer care communications. We will separately seek your consent before using or disclosing your personal data to another party for the purpose of contacting you about other products or services (direct marketing). Marketing activities may include matching your data with information from public sources, in order to send you relevant communications. You may withdraw your consent to marketing at any time, or opt-out of feedback requests, by contacting the Data Protection Officer (see contact details below).

We carry out these activities within the UK and the European Economic Area (the European Union plus Norway, Liechtenstein and Iceland) and Switzerland, across which the data protection laws provide a similar level of protection. By purchasing this policy and using our services, you acknowledge that we may use yourpersonal data, and consent to our use of sensitive information, as described above. If you provide us with details of other individuals, you agree to inform them of our use oftheir data as described here and in our website privacy

notice (see below). You are entitled on request to a copy of the information we hold about you, and you have other rights in relation to how we use your data (as set out in our website privacy notice - see below). Please let us know if you think any information we hold about you is inaccurate, so that we can correct it.If you want to know what information is held about you by Inter Partner Assistance UK Branch or AXA Assistance, or have other requests or concerns relating to our use of your data, please write to us at:Data Protection Officer The Quadrangle 106-118 Station Road Redhill RH1 1PREmail: [email protected] full data privacy notice is available at: www. axaassistance.co.uk. Alternatively, a hard copy is available from us on request.

COMPLAINTS PROCEDUREWhilst we will make every effort to maintain the highest standards, we recognise that there may be some occasions when we fail to satisfy the particular requirements of our customers. We therefore have procedures in place to investigate and remedy any area of concern.

IF YOUR COMPLAINT IS IN RELATION TO HARLEY-DAVIDSON INSURANCE SERVICES* If you wish to complain about the services provided by Harley-Davidson Insurance Services*, such as the way your policy was sold to you, please contact Harley-Davidson Insurance Services*: By phone:In the United Kingdom: 0800 093 5934 In the Republic of Ireland: 1800 818 766In writing:Compliance and Risk Team Harley-Davidson Insurance Services* Insurance Consultants Ltd Trafalgar House 110 Manchester Road Altrincham Cheshire WA14 1NU UKE-mail:[email protected]

IF YOUR COMPLAINT IS IN RELATION TO THE INSURER:For complaints about policy administration and documents, contact the Personal Lines Service Manager at:Ageas Insurance Limited 60 Spring Gardens Manchester M60 1HUPhone:In the United Kingdom: 0161 834 9888 In the Republic of Ireland: 0044 161 834 9888 Email: [email protected]

FOR COMPLAINTS ABOUT CLAIMS CONTACT:Ageas Insurance Limited, Personal Insurance Claims Centre 1 Port Way Port Solent Portsmouth Hampshire PO6 4TYPhone:In the United Kingdom: 0800 161 5195 In the Republic of Ireland: 0044 800 161 5195 Email: [email protected] promise to:• acknowledge your complaint within five days of

receiving it;• have your complaint reviewed by a senior

member of staff;• tell you the name of the person managing your

complaint; and• respond in full to your complaint within 28 days.

If this is not possible for any reason, we will write to you to explain why we have not been able to settle the matter quickly. We will also let you know when we will contact you again.

IF YOUR COMPLAINT IS IN RELATION TO BREAKDOWN ASSISTANCE, PLEASE WRITE TO:Customer Relations Inter Partner Assistance SA The Quadrangle 106-108 Station Road Redhill Surrey RH1 1PR UKE-mail: [email protected]: In the UK: 01737 815 215 In the Republic of Ireland: 0044 333 241 9580

IF YOUR COMPLAINT IS IN RELATION TO LEGAL EXPENSES POLICY PLEASE WRITE TO:Quality Assurance Team Coplus Floor 2 Norfolk Tower 48-52 Surrey Street Norwich NR1 3PAPhone: 0333 241 9580 Fax: 01603 420 010

FINANCIAL SERVICES OMBUDSMAN SERVICEIf you are still unhappy following receipt of the final response, you can refer the dispute to the Financial Ombudsman Service within 6 months who will review your case on an independent basis.The address is:The Financial Ombudsman Service Exchange Tower London E14 9SRPhone: 0800 023 4567 or 0300 123 9123Email: [email protected]: www.financial-ombudsman.org.ukPlease note that the Financial Ombudsman Service will only deal with your complaint if you have already given the insurer the opportunity to resolve it. Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure does not affect your right to take legal action.Details on how to take your complaint to the Financial Ombudsman Service can also be found on the Online Dispute Resolution (ODR) platform: http://ec.europa.eu/consumers/odr, which has been set up by the EU Commission.

FINANCIAL SERVICES OMBUDSMAN BUREAUIf you are in the Republic of Ireland, and you are still unhappy following receipt of the final response in relation to your Legal Expenses policy, you can contact the Financial Services Ombudsman Bureau at:The Financial Services Ombudsman Bureau, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2.


By phone: 1890 88 2090 or alternatively by phone: +353 1 6620899and/orInsurance Information Service Insurance Ireland 39 Molesworth Street, Dublin 2.By phone: 16761914 Fax: +353 1 761943,Email: [email protected]: www.iif.ie

FINANCIAL CONDUCT AUTHORITYIn the UK, Carole Nash Insurance Consultants Ltd, trading as Harley-Davidson Insurance Services*, is authorised and regulated by the Financial Conduct Authority. In the Republic of Ireland, Carole Nash Insurance Consultants Ltd, trading as Harley-Davidson Insurance Services, is authorised and regulated by the Financial Conduct Authority and is regulated by the Central Bank of Ireland for Conduct of Business rules.

FINANCIAL SERVICES COMPENSATION SCHEMEWe, Harley-Davidson Insurance Services* and in relation to the Legal Expenses policy Great Lakes Insurance SE are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme in the event that either party cannot meet its obligations. This depends on the type of business and the circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can obtain further information about compensation scheme arrangements from the FSCS by visiting www.fscs.org.uk

IN THE EVENT OF A BREAKDOWN OR ACCIDENT, PLEASE CALL ONE OF THE FOLLOWING:In the UK call 0800 280 0066In Ireland call 0906 451 973In the rest of Europe call 0044 1737 826 113

HARLEY | RIDER INSURANCE™ is arranged and administered by Harley-Davidson Insurance Services.* Harley-Davidson Insurance Services is a trading style of Carole Nash Insurance Consultants Ltd who are au-

thorised and regulated by the Financial Conduct Authority. In Ireland, it is subject to the Central Bank of Ireland’s conduct of business rules.Registered in England and Wales 2600841. © H-D 2018. Harley, Harley-Davidson and the Bar & Shield logo are among the trademarks of H-D U.S.A., LLC.

COMBINED UK & EUROPEAN BREAKDOWN RECOVERY CARD

COMBINED UK & EUROPEAN BREAKDOWN RECOVERY CARD

Harley-Davidson Insurance Services*, Trafalgar House, 110 Manchester Road, Altrincham, Cheshire WA14 1NUHarley-Davidson Insurance Services*, 1 Grants Row, Lr. Mount Street, Dublin 2This policy and other associated documentation are also available in large print, audio and Braille. If you require these formats please contact Harley-davidson insurance services*.

HARLEY | RIDER INSURANCE™ is arranged and administered by Harley-Davidson Insurance Services. *Harley-Davidson Insurance Services is a trading style of Carole Nash Insurance Consultants Ltd who are authorised and regulated by the Financial Conduct Authority. In the Republic of Ireland, Carole Nash Insurance Consultants Ltd, trading as Harley-Davidson Insurance Services, is authorised and regulated by the Financial Conduct Authority and is regulated by the Central Bank of Ireland for Conduct of Business rules. Registered in England and Wales 2600841. © H-D 2018. Harley, Harley-Davidson and the Bar & Shield logo are among the trademarks of H-D U.S.A., LLC.

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