your cover with elephant.co.uk

Dear customer

Thanks for insuring your car with us. This guide, 'your cover with elephant.co.uk', describes your contract of private car insurance. Please read it carefully, print out a copy, and keep it in a safe place with your Motor Proposal Confirmation, your current Policy Schedule and Certificate of Motor Insurance.

Your Policy Schedule shows which sections of our cover apply to you.

If you have chosen:

Comprehensive cover	All sections of this guide apply
Third Party, Fire & Theft only	Only sections 2, 3, 5 & 6 apply
Third Party only	Only sections 3, 5 & 6 apply

The sections are operative only if specifically mentioned in your current Policy Schedule and are subject otherwise to the terms, conditions, and exceptions of this policy.

If you want to make any changes to your policy, ask any questions, or let us know about anything that might affect your cover with us please email us at help@elephant.co.uk.

If you'd like to make any comments on our service we'd love to hear from you.

Our commitment to providing a fast, friendly and interactive service will hopefully keep you a happy customer for many years.

All the best

tanzie oliver

head elephant

INDEX

Definitions
Confirmation of your insurance at Lloyd's
Comments and Complaints
Keeping your policy up to date
Making a claim
Section 1 Damage to your car in an accident
Section 2 Fire and theft
Section 3 Liability to other people
Section 4 Windscreen damage
Section 5 Going Abroad
Section 6 Your No Claims Bonus
Section 7 Extra Cover
general exceptions to your cover
general conditions of your cover
extra conditions (endorsements)

Definitions

Whenever the following words appear in this booklet or in your current Policy Schedule, they will have the meaning given below:

We, Us and elephant
elephant.co.uk

You, The Insured
The person named as insured on your current Certificate of Motor Insurance.

Certificate of Motor Insurance
The document that is evidence that you have the insurance needed by law, which shows who can drive the car and for what purposes it can be used.

Excess
The amount you must pay towards any claim.

Indemnity
The legal principle which ensures that, after a loss, you are placed in the same financial position, as far as reasonably possible, as immediately prior to the loss.

Insured Car
The insured car as specified by its registration mark on your current Certificate of Motor Insurance.

Replacement Car
A car provided by an elephant.co.uk Approved Repairer or another company instructed by elephant.co.uk. This car is not intended to be on a like for like basis with your own car.

Period of Insurance
The length of time covered by this insurance, as shown on your current Certificate of Motor Insurance.

Market Value
The cost of replacing your car with one of a similar make, model, year, mileage and condition based on our assessment of the market prices at the time of the loss. Use of the term 'market' means the market in which you would normally shop for your car eg retail value will not apply if you buy your car privately or at an auction. Non-European manufactured cars will be based on European import values or the nearest British equivalent, at our discretion.

Policy Schedule
The document that shows the car we are insuring and the kind of cover you have with us.

Territorial Limits
Great Britain, Northern Ireland, the Isle of Man and the Channel Islands, including travel between any of these.

Total Loss
When we decide your car is uneconomical to repair following an accident, theft, or when your car is stolen and unrecovered.

Please Note
You cannot be covered under this policy if you are a permanent resident of the Channel Islands.

Confirmation of your insurance at Lloyd's

Your contract of insurance

Insurance has been effected between elephant.co.uk with certain insurers whose name will be supplied on application and appear on a written form of authority, and You. This document is evidence of that.

We have agreed to indemnify You, subject to the terms, conditions, limitations and exclusions contained in this document, against such liability loss, destruction or damage that may occur during any period of insurance directly sustained in connection with the insured car listed on your current Certificate of Motor Insurance.

The parties to this contract are You and Us. Nothing in this contract shall create any rights in third parties under the Contracts (Rights of Third Parties) Act 1999 and no variation to this contract, nor any supplemental or ancillary agreement shall create any such rights unless expressly so stated. This does not affect any right or remedy of a third party which exists or is available apart from this act.

Several liability notice

The subscribing insurers' obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing insurers are not responsible for the subscribing insurer who for any reason does not satisfy all or part of its obligations.

For and on behalf of Syndicate 2004 at Lloyd's, Hibernian Insurance Co Ltd and Great Lakes Reinsurance (UK) Plc

Our authority

In order that this document may be signed and issued as evidence of the Policy of Insurance, the Underwriters mentioned in your Policy Schedule have entered into an agreement.

This agreement empowers an authorised Underwriter at elephant.co.uk to sign and issue this document.

Signature

David Stevens, Active Underwriter Syndicate 2004.

elephant.co.uk is a trading name of Admiral Insurance Services Ltd, Capital Tower, Greyfriars Road, Cardiff, CF10 3AZ.

Your promise to us

Your policy is proof of the contract between you and us. It is based on the information given by, or for you, when you applied for this insurance. This information is shown on your Motor Proposal Confirmation Declaration. You promise, as far as you know, that the information you have given us is true.

Reading your policy

You must read your policy as a whole. The general exceptions and general conditions apply to all sections of your policy.

Governing law

Unless we have agreed otherwise with you, the Insurance Contract with elephant.co.uk shall be subject to the law of England and Wales and the exclusive jurisdiction of the courts.

Comments and complaints

We are dedicated to providing you with a high quality service and we want to ensure that we maintain this at all times. If you feel that we have not offered you a first class service, please email us at help@elephant.co.uk and we will do our best to solve the problem.

If you would like to take the matter further please email us at quality@elephant.co.uk

If we are unable to sort out the problem, you can take the matter to the Complaints Department at Lloyd's. Please write to :

Complaints Department
Lloyd's
One Lime Street
London
EC3M 7HA
Tel. 020 7327 6950

elephant.co.uk has undertaken to comply with Lloyd's rules and the ABI (Association of British Insurers) Code of Practice for selling insurance. Lloyd's are a member of The Insurance Ombudsman, an independent body concerned with the rights of the consumer.

Click on the following links if you would like to visit the web sites of these bodies:

Lloyd's of London -www.lloydsoflondon.com

The Insurance Ombudsman -www.theiob.org.uk

ABI - www.abi.org.uk/consumer2/consumer.htm

Keeping your policy up to date

It is very important that you tell us about any material changes in your circumstances as we may not be able to offer cover in every case.

Please email us at help@elephant.co.uk

1. immediately

· if you or your car are involved in any type of accident or loss, no matter how trivial, even if you do not wish to make a claim

· if you have been disqualified from driving or have had your licence revoked

· if you change your current occupation

·       if you change your home address

·       if you change your email address

2.    beforehand

· if you intend to modify your current car, even if the alteration is only cosmetic

· if you intend to change to a different car

· if you intend to change what you use your car for, (e.g. if you start using it for business travel when you were not covered for this before)

· if you would like to add another driver to your policy

3. when you renew your insurance

· of any convictions you had during the year, or any pending prosecutions

· of any other material factors which may influence our decision to insure you.

Important:

If you don't tell us about any of the changes above, it could mean you will be unable to make a claim under this policy of insurance. We may not be able to offer insurance cover on certain cars unless our specific age requirements are met.

Making a claim

If you or your car are involved in an incident covered by your policy with us please email us immediately at help@elephant.co.uk

If the damage to your car is covered under your policy, and your car cannot be driven, we will arrange for one of our Approved Repairers to:

· collect your car from you

· give you a replacement car while your car is being repaired, unless we decide your car is beyond economic repair

· clean your car inside and out following the repairs

· deliver it to your home or your place of work

If you do not wish to use our Approved Repairers, we cannot provide you with a replacement car. You will need to get two estimates from separate repairers and send them to us as a scanned email attachment, by fax, or by post using our freepost address at elephant.co.uk, FREEPOST SWC3635, Cardiff, CF10 3GZ. If we think that the repair estimate is unreasonable, we may arrange for the removal of your car to another repairer. We may also ask you to put your car in a safe place, specified by us, before it is either repaired or disposed of.

Important

We can't guarantee a replacement car if your car was originally produced for sale outside the EEC. Neither can we guarantee to provide a replacement car adapted for any individual's special needs or disability.

24 hour Glass Repair Helpline

If your policy includes glass cover, and either your windscreen or window is broken, please call our 24 hour Glass Repair Helpline on 087 0243 6436 so that we can arrange for repair work to be carried out.

Section 1 Damage to your car

1. cover for your car and its accessories

We will cover:

· your car

· its standard accessories or spare parts while in or on your car

· your car phone, CD player, cassette player or any other audio equipment, as long as they are permanently fitted to your car

In the event of a claim the maximum we will pay against loss or damage to this audio equipment is 15% of your car's market value or Ł750 whichever is the less. If your car is written off we will add to the overall market value of the car the amount by which the equipment increases the value of the car.

2. what we will pay

We will decide how we will settle your claim. We will pay either:

· to repair your car or

· a cash sum to replace the lost or damaged car or item, not exceeding the market value of the car or item at the time of the damage occurring. (please note that we may reduce the amount we pay out for any face off or removable car stereo if they haven't been removed from your car)

If your car cannot be repaired economically, we will arrange for it to be moved to a place of free and safe storage as soon as possible. The salvage of the car will become our property after settlement.

If any lost or damaged parts are no longer available, we will only pay the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs.

If your car is three years old or more, we may decide to repair it with parts which have not been made by the car's manufacturer but are of a similar standard.

If you have bought the car by hire purchase, or are leasing it, any money owed to the company involved will be paid directly to the company first and the balance of the monies, if there is one, will be paid to you.

3. what you are not covered for

We will not pay:

· the first amount of any claim shown in your current Policy Schedule under Excess Details

· for loss or damage to your car or loss of money from selling your car to someone who deceives you

· for loss or damage to your car where the car is taken without the insured's consent by a family member, spouse, or partner

· for loss or damage to your car caused by it being driven after an accident, or other incident

· for loss of use (including the cost of hiring a car)

· for wear and tear

· for mechanical, electrical, electronic, computer failures, breakdowns or breakages

· for damage caused to your tyres by normal road use, braking, cuts, punctures or bursts

· for any loss to the market value of your car as a result of it being repaired

· for any modifications unless they form part of the manufacturer's standard specification for that car

You do not have to pay any excess if your car is damaged while with a member of the motoring trade for servicing or repair.

4. keeping your damaged car safe

If you want us to pay for damage to your car, its accessories and spare parts, then you must take steps to make sure it is kept safely until repaired. You can arrange to have your damaged car moved to the premises of the nearest competent repairer. We will pay reasonable charges for safeguarding your car and getting it to and from the repairers. It is important that you tell us immediately of the whereabouts of the car. Any charges incurred as a result of your failure to notify us are your responsibility.

Remember, you must send any writ, summons or letters to us received in connection with any claim, accident or loss as soon as you receive them.

Section 2 Fire and theft

1. cover for your car and its accessories

We will cover you for:

· the loss of or damage to your car, its standard accessories and spare parts while in or on your car

· the loss of or damage to your car phone, CD player, radio cassette player or any other audio equipment, as long as they are permanently fitted to your car

In the event of a claim the maximum we will pay against loss or damage to this audio equipment is 15% of your car's market value or Ł750 whichever is the less, where the loss is caused by:

· theft or attempted theft

· fire or lightning

If your car is written off we will add to the overall market value of the car the amount by which the equipment increases the value of the car.

2. what we will pay

We will decide how we settle your claim.

We will pay either:

· to repair your car or

· a cash sum to replace the lost or damaged car or item, not exceeding the market value of the car or item at the time of the damage occurring. We may reduce settlement for face off/removable audio equipment if you have not taken reasonable care to safeguard it

If your car is unrepairable, the salvage of the car will become our property after settlement.

If any lost or damaged parts are no longer available, we will only pay the cost shown in the manufacturer's latest price guide, together with reasonable fitting costs.

If your car is over 3 years old, we may decide to repair it with parts which have not been made by the car manufacturer, but they will be of a similar standard.

If you have bought the car by hire purchase, or you are leasing it, any money owed to the company involved will be paid directly to the company first and the balance of the monies, if there is one, will be paid to you.

3. what you are not covered for

We will not pay:

the first amount of any claim shown in your current Policy Schedule under Excess Details
for loss or damage to your car or loss of money from selling your car to someone who deceives you
where the car is taken without the insured's consent by a family member, spouse, or partner
for loss of use (including the cost of hiring a car)
for loss or damage caused by theft or attempted theft where you or any other person covered under this policy has left your car unlocked and unattended or has left the ignition keys in the car
for the replacement of your CD player, radio cassette player or any other audio equipment, if we pay you a cash sum to replace your car
for wear and tear
for any loss or damage caused by mechanical, electrical, electronic, computer failures, breakdowns or breakages
for damage caused to your tyres by normal road use, braking, cuts, punctures or bursts
for any loss to the market value of your car as a result of it being repaired
for any modifications unless they form part of the manufacturers standard specification for that car
if the incident is not reported to the police

4. keeping your damaged car safe

If you want us to pay for damage to your car, its accessories and spare parts, then you must take steps to make sure it is kept safely until repaired. You can arrange to have your damaged car moved to the premises of the nearest competent repairer. You should notify us immediately of the whereabouts of the car. Any charges incurred as a result of your failure to notify us are your responsibility. We will pay any reasonable charges for safeguarding your car and getting it to and from the repairers.

Remember, you must send any writ, summons or letters to us received in connection with any claim, accident or loss as soon as you receive them.

Section 3 Liability to other people

1a. driving your car

We will cover you for everything you are legally responsible for if you are driving your car and:

you kill or injure someone and/or

you damage their property

This cover also applies to any accident involving a trailer or broken down car you may be towing.

1b. driving other cars

If you qualify under this section, cover is limited to the policyholder and is restricted to Third Party Only. You are only covered when driving private motor cars within our territorial limits.

We will cover you for everything listed in clause 1a when you are driving any other car as long as:

your current Certificate of Motor Insurance says so and

the other car is not owned by you, a rental car, nor hired to you under a hire purchase or leasing agreement and

you have the owner's permission to drive the car and

you are not covered by any other insurance to drive it and

you still have the insured car, and it has not been damaged beyond repair, stolen or sold

2. other people using your car

We will also provide cover for:

· anyone covered by your current Certificate of Motor insurance as being insured to drive your car, as long as they are driving the car with your permission, and

they hold a valid driving licence and

they are not disqualified from driving and

they have not had their licence revoked

anyone you allow to use but not drive your car, for social or domestic purposes

anyone who is getting into or out of your car

the legal personal representative of anyone covered under this section if that person dies

3. cover for legal costs

If we agree in writing, we will pay the following legal costs and expenses from a claim caused by an accident:

solicitor's fees for representing anyone we insure at any coroner's inquest, fatal accident inquiry or court of summary jurisdiction

reasonable legal services which we will arrange for defending a charge of manslaughter or causing death by dangerous or reckless driving

any other legal costs and expenses if we agree beforehand

4. cover for emergency medical treatment

We will pay for:

emergency treatment fees as set out in the Road Traffic Act

5. what you are not covered for

We will not pay for:

anyone who has other insurance covering the same liability

death or injury to anyone while they are working with or for the driver of the car

damage to property belonging to or held in trust by or in the charge or control of a person claiming to be insured under this section

loss or damage to property in the care of the person claiming

Remember, you must send any writ, summons, or letters to us received in connection with any claim, accident or loss as soon as you receive them.

Section 4 Windscreen damage

Important:

Notice to Northern Ireland policyholders:

The maximum payment we will make under '1. cover for your windscreen', is Ł150.

1. cover for your windscreen

We will pay:

to repair or replace broken glass in your car's windscreen or windows, and any scratching to the bodywork caused by broken glass, as long as their has not been any other loss or damage

up to Ł100 for each incident, less any excess if the repair or replacement is not arranged via our 24 hour Glass Repair Helpline

Our 24-hour Glass Repair Helpline is: 087 0243 6436

Important

Notice to Northern Ireland policyholders :
the maximum payment we will make under "1 cover for you windscreen" is Ł150.

2. what you are not covered for

We will not pay:

any excess shown on your current Policy Schedule, unless the glass is repaired rather than replaced in which case no excess applies

to repair or replace sunroofs or any other glass forming part of your car
to repair any windscreens, windows, or sunroofs not made of glass i.e. perspex

The most we will pay:

we will not pay more than the market value of the car at the time of loss or the amount your car is insured for (less the excess), whichever is the less

Claims under this section will not affect your No Claims Bonus.

Section 5 Going abroad

Your policy gives you the cover described in your current Policy Schedule for events occurring in:

· Great Britain, Northern Ireland, the Isle of Man and the Channel Islands

· any other country which is a member of the European Union

· the Czech Republic, Hungary, Norway, Croatia, Slovenia, Slovak Republic, Switzerland, Liechtenstein, and Iceland

The car is covered while it is being transported by air, sea or rail between those countries, up to a maximum of 65 hours transit time.

Using your car abroad

Your policy automatically includes a FREE International Motor Insurance Certificate (which you will find on the back of your Certificate in your welcome pack) for a maximum of 30 consecutive days in any one trip up to a maximum of 90 days in a year. The International Motor Insurance Certificate is only valid for the countries named above. There is no need to tell us you are taking your car abroad.

Your free International Motor Insurance Certificate DOES NOT cover you for travel in Malta, Romania, Poland or Andorra. As these countries require evidence of minimum insurance cover, you must take a Green Card along with this Certificate Of Motor Insurance when you travel.

If you want to make any changes to your policy or need a Green Card before taking your car abroad please email us at help@elephant.co.uk

Notice to Northern Ireland policyholders:

You are covered to travel to the Republic of Ireland if your journey is only for social, domestic or pleasure purposes. However, your policy does not cover commuting to or business use in the Republic of Ireland.

Section 6 Your No Claims Bonus

1. what happens to your bonus if you claim

If you make a claim, and you do not have Protected or Guaranteed No Claims Bonus, we will reduce your No Claims Bonus as follows:

No Claims Bonus at last renewal date (yrs)	No Claims Bonus at next renewal date (yrs)
	1 claim	2 claims	3 claims
1	Nil	Nil	Nil
2	Nil	Nil	Nil
3	1	Nil	Nil
4	2	Nil	Nil
5	3	1	Nil

This is a No Claims Bonus and not a no blame bonus. If a claim occurs which is not your fault and we have to make a payment, we will reduce your No Claims Bonus unless we can get back all that we have paid from those who are responsible.

If you have any questions about your No Claims Bonus please e-mail us at help@elephant.co.uk

2. claims that don't affect your bonus

payments made for windscreen damage

payments for emergency treatment fees

claims which aren't your fault where we have recovered all of our money

Do you have a second car?

elephant.co.uk may be able to match the same No Claims Bonus on the second car.

Email us at help@elephant.co.uk to find out more.

Section 7 Extra Cover

1. personal accident benefits

We will cover you and your spouse if you are accidentally injured in a car accident and within three months of the accident, if it directly causes:

death

permanent blindness in one or both eyes

total loss of one or more limbs

We will pay the injured person or their legal representative Ł5000. The most we will pay in any one period of insurance is Ł5000. If you or your spouse have more than one policy with us, we will only pay out under one policy.

However, there is no cover for:

any person over 71 at the time of the injury

any injury or death caused by suicide or attempted suicide

any deliberate injury

anyone who is driving while under the influence of drink or drugs at the time of the accident

2. medical expenses

We will pay medical expenses of up to Ł100 for each person injured if your car is involved in an accident.

3. personal belongings

We will pay up to Ł100 for personal belongings in your car if they are damaged or stolen. If you ask us to pay someone else we will have no further responsibility to you once we have done so.

You are not covered for:

money, stamps, tickets, documents or securities

trade goods or samples

theft of any property insured under any other policy

theft of any property from an open or convertible car unless the property was locked in the boot or glove compartment

any claim for theft or attempted theft where you or any other person covered under this policy left the car unattended and unlocked or left the ignition keys in the car

4. replacement cars

If you have an accident or make a claim and our Approved Repairers are authorised to do the work you will get a FREE replacement car within 24 hours while your car is being repaired. Unfortunately we cannot guarantee like for like. The replacement car will be insured by us under your policy of insurance on the same terms and conditions as your own car.

Important

Replacement cars are not provided if your car has been stolen and remains unrecovered, if it is beyond economic repair, if you do not use one of our approved repairers or if the insured car is a non-European import.

We cannot guarantee to provide a replacement car adapted for any individual's special needs or disability.

5. car keys

In the event that your car keys are stolen or lost from somewhere other than the insured car, we will pay up to a maximum of Ł100 for the cost of replacing the locks.

general exceptions to your cover

Important:

These general exceptions apply to all policies.

Please read them carefully, and if you have any questions please email us at help@elephant.co.uk.

We will not cover you for any of the following:

1. who uses your car

Any accident, injury loss, theft or damage which takes place while your car is being:

driven by any person or used for any purpose not shown on your current Certificate of Motor Insurance or

driven by you unless you hold a valid Driving Licence or

driven with your general consent by someone who does not hold a valid Driving Licence or is breaking the conditions of their Driving Licence or

taken without the insured's consent by a family member, spouse, or partner

2. contracts

Any liability you have under an agreement unless you would have had the liability even if the agreement did not exist.

3. radioactivity

Any loss of or damage to any property expense or liability caused directly or indirectly by:

ionising radiation, or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning nuclear fuel or

the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear material or any part of it

4. war

Any loss of or damage caused by war, riot, revolution or any similar event unless we have to provide cover under the Road Traffic Acts.

5. earthquake and riot

Any accident injury loss or damage (except under Section 3- Liability to other people) caused by:

earthquake

riot or civil commotion outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands

6. use on airfields

Any accident, injury, loss or damage when your car is in an area or premises where aircraft are usually to be found taking off, landing, manoeuvring or parked.

general conditions of your cover

Important:

These general conditions apply to all policies.

Please read them carefully, and if you have any questions please email us at help@elephant.co.uk.

1. your duty to us

We will only provide you with the cover set out in this policy if:

you or anyone else claiming cover under this policy has kept to all the terms and conditions of the policy and

the information you gave on your Motor Proposal Confirmation and Declaration, or Claim Form is true and complete.

2. claims procedure

If you or your car are involved in any type of claim, accident or loss, you must tell us about the incident within 48-hours. If your claim is for glass damage only, call our 24 hour Glass Repair Helpline on 087 0243 6436.

You must:

report any claim, accident, theft or loss to us within 48 hours regardless of fault. Failure to do so could result in us refusing to indemnify you. This could mean you will be responsible for the cost of the claim

send any writ, summons or letters to us received in connection with any claim, accident or loss as soon as you receive them. Failure to do so could result in us refusing to indemnify you. This could mean you would be responsible for the cost of the claim

tell us at once if you receive any notice of prosecution, inquest or fatal enquiry

give us all the information about the claim that we need, and email us a completed Claim Form

report any claim for theft or when your car has been taken without your consent immediately to the police and obtain a crime reference number within 24 hours.

You must not:

admit that the accident was your fault

attempt to negotiate the settlement of the claim unless we have given you our written permission by letter or email

We are entitled to:

conduct the defence or settlement of any claim on your behalf

take legal action over any claim in your name or the name of any person insured on the policy for our own benefit

admit negligence for any accident or claim on your behalf

3. care of your car

You or any other person covered by this insurance must:

protect your car from loss or damage and

make sure your car is roadworthy and

allow us to inspect the car at any reasonable time if we ask you

4. cancelling your policy

We can cancel this policy by sending seven days notice in writing to your last known address.

You can cancel your policy by returning your current Certificate of Motor Insurance to us.

The full premium is due to us if a claim is made on your policy. This applies in all circumstances regardless of payment method.

If any refund of your premium is due, this will be calculated from the date we receive your Certificate of Motor Insurance. We will calculate any refund on a pro-rata basis less an administration charge. If there is any outstanding premium due to us, we will inform you.

We will not issue any refund:

if anyone has claimed during the Period of Insurance and/or

until we have received the current Certificate of Motor Insurance

5. credit /debit card payments

If you pay for any part of your premium by credit/debit card and the payment is rejected, we can cancel your policy. We will give you seven days notice before we do this.

If we pay for a total loss claim, we will deduct all outstanding premiums from your claim settlement.

To ensure that there is no interruption in your cover, shortly after the renewal date of the policy we will automatically apply for payment of the premium due from the card details we hold on record. If you did not wish to renew and we have applied for payment we will make a full refund on receipt of proof of alternative insurance and the return of your Certificate of Motor Insurance.

6. settling disagreements

If we have agreed to a claim, but there is a disagreement on the amount to be paid, the problem must be referred to an arbitrator.

You cannot take any legal action against us until the arbitrator has made a decision.

7. dual insurance

If you have other insurance which covers the same liability, loss or damage we will only pay our share of the claim. This does not apply to personal accident benefits.

8. car sharing

We will not indemnify you for any loss arising out of the use of your car for carrying passengers for hire or reward. However, you can accept money for fuel if you carry passengers for social or similar purposes as part of a car sharing arrangement as long as:

your car is not made or adapted to carry more than eight passengers and

you are not carrying the passengers as customers of a passenger carrying business and

you do not make a profit from carrying the passengers

9. fraud

We will not pay a claim which is fraudulent, false or exaggerated or where we have been given false or stolen documents, or misleading information about a claim. All cover under this insurance will be cancelled immediately.

10. total loss of your car

Total Loss:

This is when we decide your car is uneconomical to repair following an accident, theft, or when your car is stolen and unrecovered.

If your car is a total loss, we will deduct any outstanding premium owed to us from any payment to you. We will have met all our responsibilities under the policy and the car will become our property. All cover will then cease unless we specifically agree otherwise.

We will not pay a claim if there has been a non- disclosure of material information that would have influenced our assessment and acceptance of the policy and/or claim.

11. drink and drugs clause

If an accident happens when you or any other person is driving whilst under the influence of drink or drugs at the time of an accident, cover is restricted to section 3 liability to other people.

12. suspension of cover

Useful tip:

We can suspend your policy if you are replacing your car, providing you haven't made any claims. For more information, please email us at help@elephant.co.uk

If you sell your car and you are thinking of replacing it before your policy expires, and providing that no claims have been made, you can suspend your policy until you buy your next car.

Once we receive your current Certificate of Motor Insurance we will suspend your policy. When you buy your next car you must email us beforehand at help@elephant.co.uk If possible, and subject to our underwriting criteria, we will reinstate your cover and adjust your outstanding balance.

If you have not replaced your car by the time your policy is due to renew, your policy will be cancelled from the date we receive your current Certificate of Motor Insurance.

extra conditions (endorsements)

Important:

See your current Policy Schedule for details of the endorsements that apply to your policy.

Remember:

Not all of them will apply to your policy.

These extra conditions (endorsements) only apply if shown on your current Policy Schedule. Please read your current Policy Schedule to see which of these endorsements apply to your particular policy:

1. provisional licence holder

We will not provide any cover if your car is being driven by, or is in the possession of, a provisional driving licence holder who is not keeping to the terms and limitations of that licence.

2. excluding drivers under 25

We will not provide any cover if your car is being driven by, or is in the charge of any person specifically excluded in the Policy Schedule.

3. excluding foreign use

We will not provide a Green Card for driving your car abroad. Your cover is limited to the minimum legal requirement of the country you are driving in.

4. not applicable

5. protected No Claims Bonus

If you have Protected No Claims Bonus and:

you make two claims within three consecutive insurance terms we will remove the protection at renewal.

if more than two claims are made within three consecutive insurance terms we will reduce your No Claims Bonus.

6. guaranteed No Claims Bonus

Your No Claims Bonus will not be affected at renewal if you make any claim on this policy.

7. excluding drivers under 25 (other than specified person/s)

We will not provide cover if your car is being driven by or is in the charge of anyone under 25, unless that person is named next to this endorsement in your current Policy Schedule.

8. county council interest (loan agreement)

Any company or organisation named against this endorsement number in your current Policy Schedule has a loan agreement with you in connection with your car.

9. noting owner's interest

Your car is owned by the person or organisation named against this endorsement.

10. excluding driver/s

We will not provide cover when your car is being driven by, or is in the charge of, the person named in your current Policy Schedule.

11. standard parts replacement

If you make a claim for loss or damage to your car, we will only pay the cost of replacing parts needed for the car to meet the manufacturer's standard specification.

12. trailer cover

Any trailer attached to your car will have cover under Section 3 of this policy if:

you have given us full details of the trailer and

you own the trailer or it is hired to you under a hire purchase agreement.

13. audio equipment limit

The most we will pay under Sections 1 and 2 for fitted radios, cassette players, car phones and any other audio equipment is the amount shown next to this endorsement in your current Policy Schedule.

14. no suspension of cover

We will not suspend any cover on this policy.

15. drink and drugs clause

This clause applies.

16. suspension of cover

All cover under this policy is suspended.