Insurance Product Information Document

What is insured?

Loss of or damage to your car: Resulting from accidental damage, fire or theft.
Third party liability: Following an accident, we’ll cover your liability to other people for injury (unlimited) or damage to their property (up to £20 million).
Replacement locks and keys: Cover to the value of £1,000 if your car keys are lost or stolen.
Courtesy car: Covered for the full duration of repairs by an Authorised Centre or up to 14 days if your car is stolen or declared a total loss.
Windscreen cover: Glass repair or replacement is covered up to the market value of your car.
Car contents and personal belongings: Cover up to £250 for items in your car, roof box or luggage trailer.
Replacement child car seat: Cover in the event of an accident which involves impact damage.
Personal accident cover up to £2,500 per person up to a maximum of £7,500.
Medical expenses of up to £250.
Electric vehicles: Cover for your battery and charging cables.

Optional covers

None available.

What is not insured?

Any loss, damage or liability if you are not aged 17 to 85 and do not live permanently in the United Kingdom or the Isle of Man.
Any loss, damage or liability if your car is not taxed and registered in the United Kingdom or the Isle of Man.
Any travel outside the territorial limits.
Death or Bodily Injury caused by alcohol, drugs, racing, not wearing a seatbelt, or any event caused intentionally by an insured person.
Driving other cars.
All points under the General Exclusions section of the Policy Wording are not covered.
All points listed in the “What is not covered” column of each section of the Policy Wording are not covered.

Are there any restrictions on cover?

You are only covered in the United Kingdom, The Channel Islands and the Isle of Man in respect of loss of or damage to your car.
Theft or attempted theft of your car if your car is unoccupied at the time of the theft, unless your car is locked and the ignition key or other removable ignition device was not in, on or left unattended in the immediate proximity of your car.
Loss or damage to non-standard audio/visual and other non standard in-car entertainment.
Car contents and personal belongings are not covered in the event of theft if your car is unoccupied, unless locked away as per Section 5 in your policy wording.
If your car is fitted with a Thatcham approved tracking device you must ensure it has an active tracking subscription that is fully operational at all times.

Where am I covered?

As standard you are covered when driving your car in the United Kingdom and Isle of Man.

In addition you are provided the legal minimum cover required to drive in the territorial limits, in the following countries: Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, the Channel Islands, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, the Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland and the Vatican City.

What are my obligations?

At the start and throughout the term of this policy you must take reasonable care to answer all questions honestly, accurately and to the best of your knowledge.
Throughout the term of this policy, you must comply with the General Conditions set out in your policy wording, including informing us of any changes to your details that may affect your policy.
In order to make a claim under this policy, you must follow the procedures set out in your policy wording and you may have to pay the excess of any claim as shown in your Schedule.

BMW 5 Day DriveAway Car Insurance